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VHIS Flexi · F00019-01-000-07

Manulife First VHIS Flexi Plan - Ward

宏利全護航自願醫保靈活計劃 - 普通房

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

Your premium

HK$3,005 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

—

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	$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$15,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$900 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$4,200 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,250
Surgeon's fee — Intermediate 外科醫生費 — 中型	$13,125
Surgeon's fee — Major 外科醫生費 — 大型	$26,250
Surgeon's fee — Complex 外科醫生費 — 複雜	$52,500
(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	$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$100,000 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	$1,100, per visit, $16,000 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	$30,000 per Policy Year
Extra Benefits
Isolation ward charges benefit 隔離病房	$1,100 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	$90,000 per Policy Year
Daily post-surgery home nursing benefit 出院後私家看護	$660 per visit, up to $13,000 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	$6,600 per Policy Year, within 24 hours of the Accident
Cash Benefits
Second-claim cash allowanceAfter other pays 特別獎賞	$300 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
$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$15,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$900 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$4,200 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,250
Surgeon's fee — Intermediate
外科醫生費 — 中型
$13,125
Surgeon's fee — Major
外科醫生費 — 大型
$26,250
Surgeon's fee — Complex
外科醫生費 — 複雜
$52,500
(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
$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$100,000 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
$1,100, per visit, $16,000 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
$30,000 per Policy Year

Extra Benefits

Isolation ward charges benefit
隔離病房
$1,100 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
$90,000 per Policy Year
Daily post-surgery home nursing benefit
出院後私家看護
$660 per visit, up to $13,000 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
$6,600 per Policy Year, within 24 hours of the Accident

Cash Benefits

Second-claim cash allowanceAfter other pays
特別獎賞
$300 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$3,497	HK$3,631
1	HK$3,292	HK$3,431
2	HK$3,073	HK$3,217
3	HK$2,891	HK$3,043
4	HK$2,722	HK$2,879
5	HK$2,549	HK$2,716
6	HK$2,383	HK$2,554
7	HK$2,243	HK$2,399
8	HK$2,109	HK$2,244
9	HK$1,978	HK$2,084
10	HK$1,867	HK$1,971
11	HK$1,832	HK$1,930
12	HK$1,794	HK$1,892
13	HK$1,757	HK$1,856
14	HK$1,722	HK$2,023
15	HK$1,757	HK$2,065
16	HK$1,794	HK$2,106
17	HK$1,832	HK$2,149
18	HK$1,987	HK$2,293
19	HK$2,147	HK$2,440
20	HK$2,312	HK$2,592
21	HK$2,478	HK$2,743
22	HK$2,624	HK$2,900
23	HK$2,720	HK$3,012
24	HK$2,758	HK$3,123
25	HK$2,785	HK$3,237
26	HK$2,854	HK$3,316
27	HK$2,903	HK$3,378
28	HK$2,945	HK$3,472
29	HK$2,982	HK$3,596
30	HK$3,005	HK$3,761
31	HK$3,050	HK$3,959
32	HK$3,097	HK$4,134
33	HK$3,250	HK$4,302
34	HK$3,319	HK$4,499
35	HK$3,408	HK$4,659
36	HK$3,503	HK$4,837
37	HK$3,610	HK$5,007
38	HK$3,721	HK$5,185
39	HK$3,837	HK$5,370
40	HK$3,952	HK$5,580
41	HK$4,083	HK$5,758
42	HK$4,218	HK$5,953
43	HK$4,354	HK$6,171
44	HK$4,488	HK$6,406
45	HK$4,757	HK$6,685
46	HK$5,017	HK$6,916
47	HK$5,275	HK$7,128
48	HK$5,537	HK$7,302
49	HK$5,796	HK$7,449
50	HK$6,094	HK$7,602
51	HK$6,381	HK$7,729
52	HK$6,829	HK$7,828
53	HK$7,282	HK$7,944
54	HK$7,715	HK$8,077
55	HK$8,099	HK$8,315
56	HK$8,419	HK$8,498
57	HK$8,735	HK$8,746
58	HK$9,117	HK$9,047
59	HK$9,577	HK$9,403
60	HK$10,084	HK$9,822
61	HK$10,747	HK$10,290
62	HK$11,465	HK$11,041
63	HK$12,183	HK$11,771
64	HK$12,946	HK$12,510
65	HK$13,788	HK$13,222
66	HK$14,412	HK$13,622
67	HK$15,044	HK$14,159
68	HK$15,692	HK$14,760
69	HK$16,372	HK$15,417
70	HK$17,072	HK$16,135
71	HK$17,830	HK$16,888
72	HK$18,631	HK$17,670
73	HK$19,460	HK$18,552
74	HK$20,137	HK$19,261
75	HK$20,762	HK$19,979
76	HK$21,651	HK$20,957
77	HK$22,534	HK$21,925
78	HK$23,421	HK$22,902
79	HK$24,316	HK$23,888
80	HK$25,329	HK$24,993
81	HK$26,092	HK$25,846
82	HK$26,784	HK$26,628
83	HK$27,362	HK$27,294
84	HK$27,928	HK$27,951
85	HK$28,291	HK$28,315
86	HK$28,662	HK$28,683
87	HK$29,037	HK$29,058
88	HK$29,414	HK$29,438
89	HK$29,795	HK$29,820
90	HK$30,180	HK$30,206
91	HK$30,573	HK$30,598
92	HK$30,968	HK$30,990
93	HK$31,366	HK$31,390
94	HK$31,773	HK$31,793
95	HK$32,177	HK$32,202
96	HK$32,590	HK$32,616
97	HK$33,006	HK$33,030
98	HK$33,427	HK$33,450
99	HK$33,858	HK$33,879
100	HK$34,290	HK$34,314
101	HK$34,730	HK$34,754
102	HK$34,903	HK$34,927
103	HK$35,079	HK$35,102
104	HK$35,253	HK$35,277
105	HK$35,429	HK$35,454
106	HK$35,607	HK$35,631
107	HK$35,785	HK$35,809
108	HK$35,964	HK$35,987
109	HK$36,145	HK$36,168
110	HK$36,325	HK$36,349
111	HK$36,507	HK$36,531
112	HK$36,689	HK$36,713
113	HK$36,873	HK$36,897
114	HK$37,057	HK$37,080
115	HK$37,242	HK$37,267
116	HK$37,428	HK$37,453
117	HK$37,615	HK$37,640
118	HK$37,803	HK$37,828
119	HK$37,992	HK$38,018
120	HK$38,182	HK$38,206
121	HK$38,373	HK$38,398

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

Ward

Current page

Ward with SMM

View details →

Ward with SMM Plus

View details →

Semi-private Room

View details →

Semi-private Room with SMM

View details →

Semi-private Room with SMM Plus

View details →

Private Room

View details →

Private Room with SMM

View details →

Private Room with SMM Plus

View details →

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