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VHIS Flexi · F00019-01-000-06

Manulife First VHIS Flexi Plan - Ward

宏利全護航自願醫保靈活計劃 - 普通房

Manulife (International) Limited

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Your premium

HK$2,808 /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$3,268	HK$3,393
1	HK$3,077	HK$3,207
2	HK$2,872	HK$3,007
3	HK$2,702	HK$2,844
4	HK$2,544	HK$2,691
5	HK$2,382	HK$2,538
6	HK$2,227	HK$2,387
7	HK$2,096	HK$2,242
8	HK$1,971	HK$2,097
9	HK$1,849	HK$1,948
10	HK$1,745	HK$1,842
11	HK$1,712	HK$1,804
12	HK$1,677	HK$1,768
13	HK$1,642	HK$1,735
14	HK$1,609	HK$1,891
15	HK$1,642	HK$1,930
16	HK$1,677	HK$1,968
17	HK$1,712	HK$2,008
18	HK$1,857	HK$2,143
19	HK$2,007	HK$2,280
20	HK$2,161	HK$2,422
21	HK$2,316	HK$2,564
22	HK$2,452	HK$2,710
23	HK$2,542	HK$2,815
24	HK$2,578	HK$2,919
25	HK$2,603	HK$3,025
26	HK$2,667	HK$3,099
27	HK$2,713	HK$3,157
28	HK$2,752	HK$3,245
29	HK$2,787	HK$3,361
30	HK$2,808	HK$3,515
31	HK$2,850	HK$3,700
32	HK$2,894	HK$3,864
33	HK$3,037	HK$4,021
34	HK$3,102	HK$4,205
35	HK$3,185	HK$4,354
36	HK$3,274	HK$4,521
37	HK$3,374	HK$4,679
38	HK$3,478	HK$4,846
39	HK$3,586	HK$5,019
40	HK$3,693	HK$5,215
41	HK$3,816	HK$5,381
42	HK$3,942	HK$5,564
43	HK$4,069	HK$5,767
44	HK$4,194	HK$5,987
45	HK$4,446	HK$6,248
46	HK$4,689	HK$6,464
47	HK$4,930	HK$6,662
48	HK$5,175	HK$6,824
49	HK$5,417	HK$6,962
50	HK$5,695	HK$7,105
51	HK$5,964	HK$7,223
52	HK$6,382	HK$7,316
53	HK$6,806	HK$7,424
54	HK$7,210	HK$7,549
55	HK$7,569	HK$7,771
56	HK$7,868	HK$7,942
57	HK$8,164	HK$8,174
58	HK$8,521	HK$8,455
59	HK$8,950	HK$8,788
60	HK$9,424	HK$9,179
61	HK$10,044	HK$9,617
62	HK$10,715	HK$10,319
63	HK$11,386	HK$11,001
64	HK$12,099	HK$11,692
65	HK$12,886	HK$12,357
66	HK$13,469	HK$12,731
67	HK$14,060	HK$13,233
68	HK$14,665	HK$13,794
69	HK$15,301	HK$14,408
70	HK$15,955	HK$15,079
71	HK$16,664	HK$15,783
72	HK$17,412	HK$16,514
73	HK$18,187	HK$17,338
74	HK$18,820	HK$18,001
75	HK$19,404	HK$18,672
76	HK$20,235	HK$19,586
77	HK$21,060	HK$20,491
78	HK$21,889	HK$21,404
79	HK$22,725	HK$22,325
80	HK$23,672	HK$23,358
81	HK$24,385	HK$24,155
82	HK$25,032	HK$24,886
83	HK$25,572	HK$25,508
84	HK$26,101	HK$26,122
85	HK$26,440	HK$26,463
86	HK$26,787	HK$26,807
87	HK$27,137	HK$27,157
88	HK$27,490	HK$27,512
89	HK$27,846	HK$27,869
90	HK$28,206	HK$28,230
91	HK$28,573	HK$28,596
92	HK$28,942	HK$28,963
93	HK$29,314	HK$29,336
94	HK$29,694	HK$29,713
95	HK$30,072	HK$30,095
96	HK$30,458	HK$30,482
97	HK$30,847	HK$30,869
98	HK$31,240	HK$31,262
99	HK$31,643	HK$31,663
100	HK$32,047	HK$32,069
101	HK$32,458	HK$32,480
102	HK$32,620	HK$32,642
103	HK$32,784	HK$32,806
104	HK$32,947	HK$32,969
105	HK$33,111	HK$33,135
106	HK$33,278	HK$33,300
107	HK$33,444	HK$33,466
108	HK$33,611	HK$33,633
109	HK$33,780	HK$33,802
110	HK$33,949	HK$33,971
111	HK$34,119	HK$34,141
112	HK$34,289	HK$34,311
113	HK$34,461	HK$34,483
114	HK$34,633	HK$34,654
115	HK$34,806	HK$34,829
116	HK$34,979	HK$35,003
117	HK$35,154	HK$35,178
118	HK$35,330	HK$35,353
119	HK$35,507	HK$35,531
120	HK$35,684	HK$35,707
121	HK$35,863	HK$35,886

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

Ward

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Ward with SMM

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Ward with SMM Plus

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Semi-private Room

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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.