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VHIS Flexi · F00019-01-002-07

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 First VHIS Flexi Plan - Ward with SMM Plus 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$6,044 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

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$7,034	HK$6,450
1	HK$6,620	HK$6,094
2	HK$6,184	HK$5,717
3	HK$5,815	HK$5,406
4	HK$5,474	HK$5,116
5	HK$5,123	HK$4,820
6	HK$4,793	HK$4,539
7	HK$4,510	HK$4,263
8	HK$4,240	HK$3,986
9	HK$3,980	HK$3,702
10	HK$3,756	HK$3,500
11	HK$3,684	HK$3,428
12	HK$3,609	HK$3,360
13	HK$3,534	HK$3,298
14	HK$3,463	HK$3,593
15	HK$3,534	HK$3,669
16	HK$3,609	HK$3,743
17	HK$3,684	HK$3,816
18	HK$3,999	HK$4,076
19	HK$4,317	HK$4,334
20	HK$4,652	HK$4,605
21	HK$4,983	HK$4,874
22	HK$5,275	HK$5,153
23	HK$5,468	HK$5,349
24	HK$5,547	HK$5,549
25	HK$5,604	HK$5,750
26	HK$5,738	HK$5,894
27	HK$5,839	HK$5,997
28	HK$5,922	HK$6,166
29	HK$5,996	HK$6,389
30	HK$6,044	HK$6,681
31	HK$6,135	HK$7,034
32	HK$6,225	HK$7,347
33	HK$6,536	HK$7,643
34	HK$6,674	HK$7,991
35	HK$6,853	HK$8,276
36	HK$7,047	HK$8,593
37	HK$7,263	HK$8,895
38	HK$7,485	HK$9,211
39	HK$7,716	HK$9,539
40	HK$7,946	HK$9,912
41	HK$8,211	HK$10,228
42	HK$8,485	HK$10,575
43	HK$8,756	HK$10,963
44	HK$9,028	HK$11,382
45	HK$9,568	HK$11,875
46	HK$10,091	HK$12,287
47	HK$10,610	HK$12,662
48	HK$11,134	HK$12,971
49	HK$11,656	HK$13,233
50	HK$12,255	HK$13,503
51	HK$12,837	HK$13,728
52	HK$13,735	HK$13,907
53	HK$14,648	HK$14,113
54	HK$15,514	HK$14,349
55	HK$16,289	HK$14,770
56	HK$16,927	HK$15,094
57	HK$17,568	HK$15,537
58	HK$18,337	HK$16,071
59	HK$19,260	HK$16,702
60	HK$20,278	HK$17,446
61	HK$21,615	HK$18,282
62	HK$23,055	HK$19,614
63	HK$24,500	HK$20,912
64	HK$26,037	HK$22,223
65	HK$27,730	HK$23,489
66	HK$28,985	HK$24,197
67	HK$30,256	HK$25,151
68	HK$31,561	HK$26,216
69	HK$32,927	HK$27,386
70	HK$34,333	HK$28,660
71	HK$35,860	HK$30,000
72	HK$37,472	HK$31,386
73	HK$39,136	HK$32,953
74	HK$40,500	HK$34,214
75	HK$41,755	HK$35,489
76	HK$43,544	HK$37,227
77	HK$45,318	HK$38,949
78	HK$47,106	HK$40,684
79	HK$48,902	HK$42,432
80	HK$50,939	HK$44,398
81	HK$52,476	HK$45,914
82	HK$53,868	HK$47,300
83	HK$55,032	HK$48,482
84	HK$56,168	HK$49,649
85	HK$56,898	HK$50,299
86	HK$57,643	HK$50,952
87	HK$58,395	HK$51,619
88	HK$59,157	HK$52,289
89	HK$59,921	HK$52,972
90	HK$60,700	HK$53,654
91	HK$61,486	HK$54,352
92	HK$62,280	HK$55,050
93	HK$63,083	HK$55,761
94	HK$63,897	HK$56,476
95	HK$64,713	HK$57,200
96	HK$65,542	HK$57,937
97	HK$66,381	HK$58,673
98	HK$67,229	HK$59,424
99	HK$68,088	HK$60,182
100	HK$68,964	HK$60,954
101	HK$69,849	HK$61,735
102	HK$70,197	HK$62,043
103	HK$70,547	HK$62,354
104	HK$70,900	HK$62,666
105	HK$71,256	HK$62,979
106	HK$71,612	HK$63,293
107	HK$71,969	HK$63,610
108	HK$72,328	HK$63,927
109	HK$72,689	HK$64,247
110	HK$73,054	HK$64,569
111	HK$73,419	HK$64,890
112	HK$73,786	HK$65,217
113	HK$74,155	HK$65,543
114	HK$74,528	HK$65,869
115	HK$74,899	HK$66,198
116	HK$75,273	HK$66,530
117	HK$75,650	HK$66,863
118	HK$76,028	HK$67,197
119	HK$76,408	HK$67,533
120	HK$76,791	HK$67,869
121	HK$77,174	HK$68,208

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

Ward

View details →

Ward with SMM

View details →

Ward with SMM Plus

Current page

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