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VHIS Flexi · F00019-02-001-07

Manulife First VHIS Flexi Plan - Semi-private Room with SMM

宏利全護航自願醫保靈活計劃 - 半私家房+高額醫療保障

Manulife First VHIS Flexi Plan - Semi-private Room with SMM is a VHIS Flexi plan offered by Manulife (International) Limited, with ward class Semi-Private Room, Worldwide coverage and full coverage (no annual benefit limit). Latest plan-document version: Jun 29, 2026.

Your premium

HK$8,586 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$160,000／per policy year / per disability, 20% coinsurance

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

Age-tiered cap

SMM per-disability cap
- Age 76 or above: HK$168,000

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$2,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$21,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,900 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$5,600 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$7,350
Surgeon's fee — Intermediate 外科醫生費 — 中型	$18,375
Surgeon's fee — Major 外科醫生費 — 大型	$36,750
Surgeon's fee — Complex 外科醫生費 — 複雜	$73,500
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$150,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (k) 入院前或出院後／日間手術前後的門診護理	$1,400, per visit, $20,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$35,000 per Policy Year
Extra Benefits
Isolation ward charges benefit 隔離病房	$2,300 per day, maximum 180 days per Policy Year
Hospital companion bed fee reimbursement 住院陪床費	Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy YearR&C
Outpatient kidney dialysis 門診腎臟透析	$135,000 per Policy Year
Daily post-surgery home nursing benefit 出院後私家看護	$960 per visit, up to $19,000 per Policy Year• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
Emergency outpatient treatment for Accident 急症門診護理	$11,000 per Policy Year, within 24 hours of the Accident
Cash Benefits
Second-claim cash allowanceAfter other pays 特別獎賞	$600 per day of Confinement, maximum 180 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000
Accidental Death benefit 意外身故賠償	$10,000
Medical accident and incident extension benefit 醫療事故身故賠償	$100,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$21,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,900 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$5,600 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$7,350
Surgeon's fee — Intermediate
外科醫生費 — 中型
$18,375
Surgeon's fee — Major
外科醫生費 — 大型
$36,750
Surgeon's fee — Complex
外科醫生費 — 複雜
$73,500
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$150,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(k) 入院前或出院後／日間手術前後的門診護理
$1,400, per visit, $20,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$35,000 per Policy Year

Extra Benefits

Isolation ward charges benefit
隔離病房
$2,300 per day, maximum 180 days per Policy Year
Hospital companion bed fee reimbursement
住院陪床費
Full reimbursement of Eligible Expenses per day, maximum 180 days per Policy YearR&C
Outpatient kidney dialysis
門診腎臟透析
$135,000 per Policy Year
Daily post-surgery home nursing benefit
出院後私家看護
$960 per visit, up to $19,000 per Policy Year• 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
Emergency outpatient treatment for Accident
急症門診護理
$11,000 per Policy Year, within 24 hours of the Accident

Cash Benefits

Second-claim cash allowanceAfter other pays
特別獎賞
$600 per day of Confinement, maximum 180 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000
Accidental Death benefit
意外身故賠償
$10,000
Medical accident and incident extension benefit
醫療事故身故賠償
$100,000

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$9,991	HK$9,161
1	HK$9,405	HK$8,658
2	HK$8,784	HK$8,121
3	HK$8,260	HK$7,679
4	HK$7,777	HK$7,266
5	HK$7,279	HK$6,847
6	HK$6,806	HK$6,449
7	HK$6,406	HK$6,055
8	HK$6,024	HK$5,662
9	HK$5,654	HK$5,258
10	HK$5,335	HK$4,972
11	HK$5,231	HK$4,871
12	HK$5,127	HK$4,772
13	HK$5,020	HK$4,687
14	HK$4,919	HK$5,104
15	HK$5,020	HK$5,213
16	HK$5,127	HK$5,315
17	HK$5,231	HK$5,421
18	HK$5,680	HK$5,788
19	HK$6,133	HK$6,156
20	HK$6,609	HK$6,541
21	HK$7,078	HK$6,923
22	HK$7,494	HK$7,319
23	HK$7,769	HK$7,599
24	HK$7,881	HK$7,882
25	HK$7,960	HK$8,167
26	HK$8,150	HK$8,372
27	HK$8,294	HK$8,520
28	HK$8,413	HK$8,758
29	HK$8,519	HK$9,074
30	HK$8,586	HK$9,489
31	HK$8,716	HK$9,992
32	HK$8,844	HK$10,435
33	HK$9,282	HK$10,857
34	HK$9,482	HK$11,351
35	HK$9,735	HK$11,756
36	HK$10,010	HK$12,208
37	HK$10,317	HK$12,632
38	HK$10,632	HK$13,085
39	HK$10,962	HK$13,549
40	HK$11,290	HK$14,082
41	HK$11,667	HK$14,528
42	HK$12,052	HK$15,022
43	HK$12,439	HK$15,573
44	HK$12,824	HK$16,167
45	HK$13,592	HK$16,867
46	HK$14,336	HK$17,451
47	HK$15,072	HK$17,986
48	HK$15,818	HK$18,425
49	HK$16,559	HK$18,796
50	HK$17,408	HK$19,180
51	HK$18,236	HK$19,501
52	HK$19,510	HK$19,754
53	HK$20,807	HK$20,046
54	HK$22,037	HK$20,379
55	HK$23,140	HK$20,982
56	HK$24,047	HK$21,442
57	HK$24,957	HK$22,071
58	HK$26,048	HK$22,828
59	HK$27,360	HK$23,724
60	HK$28,805	HK$24,784
61	HK$30,705	HK$25,968
62	HK$32,752	HK$27,861
63	HK$34,804	HK$29,703
64	HK$36,987	HK$31,566
65	HK$39,393	HK$33,364
66	HK$41,174	HK$34,371
67	HK$42,980	HK$35,726
68	HK$44,833	HK$37,239
69	HK$46,773	HK$38,901
70	HK$48,774	HK$40,712
71	HK$50,941	HK$42,614
72	HK$53,230	HK$44,583
73	HK$55,595	HK$46,807
74	HK$57,532	HK$48,600
75	HK$59,314	HK$50,410
76	HK$61,857	HK$52,880
77	HK$64,378	HK$55,324
78	HK$66,918	HK$57,789
79	HK$69,469	HK$60,275
80	HK$72,362	HK$63,066
81	HK$74,545	HK$65,220
82	HK$76,523	HK$67,189
83	HK$78,176	HK$68,867
84	HK$79,789	HK$70,525
85	HK$80,829	HK$71,447
86	HK$81,885	HK$72,377
87	HK$82,954	HK$73,324
88	HK$84,036	HK$74,275
89	HK$85,123	HK$75,242
90	HK$86,228	HK$76,215
91	HK$87,345	HK$77,206
92	HK$88,474	HK$78,198
93	HK$89,614	HK$79,206
94	HK$90,769	HK$80,223
95	HK$91,928	HK$81,252
96	HK$93,105	HK$82,295
97	HK$94,300	HK$83,341
98	HK$95,503	HK$84,407
99	HK$96,727	HK$85,488
100	HK$97,968	HK$86,580
101	HK$99,223	HK$87,691
102	HK$99,721	HK$88,129
103	HK$100,219	HK$88,571
104	HK$100,718	HK$89,013
105	HK$101,222	HK$89,458
106	HK$101,729	HK$89,906
107	HK$102,235	HK$90,357
108	HK$102,748	HK$90,808
109	HK$103,260	HK$91,260
110	HK$103,778	HK$91,718
111	HK$104,296	HK$92,175
112	HK$104,820	HK$92,637
113	HK$105,344	HK$93,101
114	HK$105,871	HK$93,565
115	HK$106,400	HK$94,033
116	HK$106,929	HK$94,503
117	HK$107,465	HK$94,975
118	HK$108,003	HK$95,450
119	HK$108,541	HK$95,927
120	HK$109,085	HK$96,406
121	HK$109,631	HK$96,889

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

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Semi-private Room with SMM

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Semi-private Room with SMM Plus

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Private Room

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Private Room with SMM

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Private Room with SMM Plus

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Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jun 29, 2026
Last verified: 2026-06-30