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VHIS Flexi · F00019-02-001-06

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 (International) Limited

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Your premium

HK$8,024 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

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$9,337	HK$8,562
1	HK$8,790	HK$8,092
2	HK$8,209	HK$7,590
3	HK$7,720	HK$7,177
4	HK$7,268	HK$6,791
5	HK$6,803	HK$6,399
6	HK$6,361	HK$6,027
7	HK$5,987	HK$5,659
8	HK$5,630	HK$5,292
9	HK$5,284	HK$4,914
10	HK$4,986	HK$4,647
11	HK$4,889	HK$4,552
12	HK$4,792	HK$4,460
13	HK$4,692	HK$4,380
14	HK$4,597	HK$4,770
15	HK$4,692	HK$4,872
16	HK$4,792	HK$4,967
17	HK$4,889	HK$5,066
18	HK$5,308	HK$5,409
19	HK$5,732	HK$5,753
20	HK$6,177	HK$6,113
21	HK$6,615	HK$6,470
22	HK$7,004	HK$6,840
23	HK$7,261	HK$7,102
24	HK$7,365	HK$7,366
25	HK$7,439	HK$7,633
26	HK$7,617	HK$7,824
27	HK$7,751	HK$7,963
28	HK$7,863	HK$8,185
29	HK$7,962	HK$8,480
30	HK$8,024	HK$8,868
31	HK$8,146	HK$9,338
32	HK$8,265	HK$9,752
33	HK$8,675	HK$10,147
34	HK$8,862	HK$10,608
35	HK$9,098	HK$10,987
36	HK$9,355	HK$11,409
37	HK$9,642	HK$11,806
38	HK$9,936	HK$12,229
39	HK$10,245	HK$12,663
40	HK$10,551	HK$13,161
41	HK$10,904	HK$13,578
42	HK$11,264	HK$14,039
43	HK$11,625	HK$14,554
44	HK$11,985	HK$15,109
45	HK$12,703	HK$15,764
46	HK$13,398	HK$16,309
47	HK$14,086	HK$16,809
48	HK$14,783	HK$17,220
49	HK$15,476	HK$17,566
50	HK$16,269	HK$17,925
51	HK$17,043	HK$18,225
52	HK$18,234	HK$18,462
53	HK$19,446	HK$18,735
54	HK$20,595	HK$19,046
55	HK$21,626	HK$19,609
56	HK$22,474	HK$20,039
57	HK$23,324	HK$20,627
58	HK$24,344	HK$21,335
59	HK$25,570	HK$22,172
60	HK$26,921	HK$23,163
61	HK$28,696	HK$24,269
62	HK$30,609	HK$26,038
63	HK$32,527	HK$27,760
64	HK$34,567	HK$29,501
65	HK$36,816	HK$31,181
66	HK$38,480	HK$32,122
67	HK$40,168	HK$33,389
68	HK$41,900	HK$34,803
69	HK$43,713	HK$36,356
70	HK$45,583	HK$38,049
71	HK$47,608	HK$39,826
72	HK$49,748	HK$41,666
73	HK$51,958	HK$43,745
74	HK$53,768	HK$45,421
75	HK$55,434	HK$47,112
76	HK$57,810	HK$49,421
77	HK$60,166	HK$51,705
78	HK$62,540	HK$54,008
79	HK$64,924	HK$56,332
80	HK$67,628	HK$58,940
81	HK$69,668	HK$60,953
82	HK$71,517	HK$62,793
83	HK$73,062	HK$64,362
84	HK$74,569	HK$65,911
85	HK$75,541	HK$66,773
86	HK$76,528	HK$67,642
87	HK$77,527	HK$68,527
88	HK$78,538	HK$69,416
89	HK$79,554	HK$70,320
90	HK$80,587	HK$71,229
91	HK$81,631	HK$72,155
92	HK$82,686	HK$73,082
93	HK$83,751	HK$74,024
94	HK$84,831	HK$74,975
95	HK$85,914	HK$75,936
96	HK$87,014	HK$76,911
97	HK$88,131	HK$77,889
98	HK$89,255	HK$78,885
99	HK$90,399	HK$79,895
100	HK$91,559	HK$80,916
101	HK$92,732	HK$81,954
102	HK$93,197	HK$82,364
103	HK$93,663	HK$82,777
104	HK$94,129	HK$83,190
105	HK$94,600	HK$83,606
106	HK$95,074	HK$84,024
107	HK$95,547	HK$84,446
108	HK$96,026	HK$84,867
109	HK$96,505	HK$85,290
110	HK$96,989	HK$85,718
111	HK$97,473	HK$86,145
112	HK$97,963	HK$86,577
113	HK$98,452	HK$87,010
114	HK$98,945	HK$87,444
115	HK$99,439	HK$87,881
116	HK$99,934	HK$88,321
117	HK$100,435	HK$88,762
118	HK$100,937	HK$89,206
119	HK$101,440	HK$89,651
120	HK$101,949	HK$90,099
121	HK$102,459	HK$90,550

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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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Dec 5, 2025
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.