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VHIS Flexi · F00019-01-002-06

Manulife First VHIS Flexi Plan - Ward with SMM Plus

宏利全護航自願醫保靈活計劃 - 普通房+特級高額醫療保障

Manulife (International) Limited

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Your premium

HK$5,649 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$175,000／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$183,750

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$6,574	HK$6,028
1	HK$6,187	HK$5,695
2	HK$5,779	HK$5,343
3	HK$5,435	HK$5,052
4	HK$5,116	HK$4,781
5	HK$4,788	HK$4,505
6	HK$4,479	HK$4,242
7	HK$4,215	HK$3,984
8	HK$3,963	HK$3,725
9	HK$3,720	HK$3,460
10	HK$3,510	HK$3,271
11	HK$3,443	HK$3,204
12	HK$3,373	HK$3,140
13	HK$3,303	HK$3,082
14	HK$3,236	HK$3,358
15	HK$3,303	HK$3,429
16	HK$3,373	HK$3,498
17	HK$3,443	HK$3,566
18	HK$3,737	HK$3,809
19	HK$4,035	HK$4,050
20	HK$4,348	HK$4,304
21	HK$4,657	HK$4,555
22	HK$4,930	HK$4,816
23	HK$5,110	HK$4,999
24	HK$5,184	HK$5,186
25	HK$5,237	HK$5,374
26	HK$5,363	HK$5,508
27	HK$5,457	HK$5,605
28	HK$5,535	HK$5,763
29	HK$5,604	HK$5,971
30	HK$5,649	HK$6,244
31	HK$5,734	HK$6,574
32	HK$5,818	HK$6,866
33	HK$6,108	HK$7,143
34	HK$6,237	HK$7,468
35	HK$6,405	HK$7,735
36	HK$6,586	HK$8,031
37	HK$6,788	HK$8,313
38	HK$6,995	HK$8,608
39	HK$7,211	HK$8,915
40	HK$7,426	HK$9,264
41	HK$7,674	HK$9,559
42	HK$7,930	HK$9,883
43	HK$8,183	HK$10,246
44	HK$8,437	HK$10,637
45	HK$8,942	HK$11,098
46	HK$9,431	HK$11,483
47	HK$9,916	HK$11,834
48	HK$10,406	HK$12,122
49	HK$10,893	HK$12,367
50	HK$11,453	HK$12,620
51	HK$11,997	HK$12,830
52	HK$12,836	HK$12,997
53	HK$13,690	HK$13,190
54	HK$14,499	HK$13,410
55	HK$15,223	HK$13,804
56	HK$15,820	HK$14,107
57	HK$16,419	HK$14,521
58	HK$17,137	HK$15,020
59	HK$18,000	HK$15,609
60	HK$18,951	HK$16,305
61	HK$20,201	HK$17,086
62	HK$21,547	HK$18,331
63	HK$22,897	HK$19,544
64	HK$24,334	HK$20,769
65	HK$25,916	HK$21,952
66	HK$27,089	HK$22,614
67	HK$28,277	HK$23,506
68	HK$29,496	HK$24,501
69	HK$30,773	HK$25,594
70	HK$32,087	HK$26,785
71	HK$33,514	HK$28,037
72	HK$35,021	HK$29,333
73	HK$36,576	HK$30,797
74	HK$37,850	HK$31,976
75	HK$39,023	HK$33,167
76	HK$40,695	HK$34,792
77	HK$42,353	HK$36,401
78	HK$44,024	HK$38,022
79	HK$45,703	HK$39,656
80	HK$47,607	HK$41,493
81	HK$49,043	HK$42,910
82	HK$50,344	HK$44,206
83	HK$51,432	HK$45,310
84	HK$52,493	HK$46,401
85	HK$53,176	HK$47,008
86	HK$53,872	HK$47,619
87	HK$54,575	HK$48,242
88	HK$55,287	HK$48,868
89	HK$56,001	HK$49,507
90	HK$56,729	HK$50,144
91	HK$57,464	HK$50,796
92	HK$58,206	HK$51,449
93	HK$58,956	HK$52,113
94	HK$59,717	HK$52,781
95	HK$60,479	HK$53,458
96	HK$61,254	HK$54,147
97	HK$62,038	HK$54,835
98	HK$62,831	HK$55,536
99	HK$63,634	HK$56,245
100	HK$64,452	HK$56,966
101	HK$65,279	HK$57,696
102	HK$65,605	HK$57,984
103	HK$65,932	HK$58,275
104	HK$66,262	HK$58,566
105	HK$66,594	HK$58,859
106	HK$66,927	HK$59,152
107	HK$67,261	HK$59,449
108	HK$67,596	HK$59,745
109	HK$67,934	HK$60,044
110	HK$68,275	HK$60,345
111	HK$68,616	HK$60,645
112	HK$68,959	HK$60,950
113	HK$69,304	HK$61,255
114	HK$69,652	HK$61,560
115	HK$69,999	HK$61,867
116	HK$70,349	HK$62,178
117	HK$70,701	HK$62,489
118	HK$71,054	HK$62,801
119	HK$71,409	HK$63,115
120	HK$71,767	HK$63,429
121	HK$72,125	HK$63,746

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.