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VHIS Flexi · F00019-01-001-07

Manulife First VHIS Flexi Plan - Ward with SMM

宏利全護航自願醫保靈活計劃 - 普通房+高額醫療保障

Manulife First VHIS Flexi Plan - Ward with SMM 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$5,115 /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$100,000／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$105,000

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	$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$5,952	HK$5,458
1	HK$5,603	HK$5,158
2	HK$5,233	HK$4,839
3	HK$4,922	HK$4,576
4	HK$4,634	HK$4,329
5	HK$4,337	HK$4,080
6	HK$4,055	HK$3,841
7	HK$3,818	HK$3,607
8	HK$3,588	HK$3,373
9	HK$3,368	HK$3,133
10	HK$3,179	HK$2,962
11	HK$3,118	HK$2,901
12	HK$3,056	HK$2,842
13	HK$2,991	HK$2,793
14	HK$2,931	HK$3,041
15	HK$2,991	HK$3,105
16	HK$3,056	HK$3,167
17	HK$3,118	HK$3,230
18	HK$3,383	HK$3,448
19	HK$3,654	HK$3,667
20	HK$3,938	HK$3,897
21	HK$4,217	HK$4,125
22	HK$4,464	HK$4,361
23	HK$4,629	HK$4,528
24	HK$4,694	HK$4,695
25	HK$4,743	HK$4,866
26	HK$4,857	HK$4,987
27	HK$4,941	HK$5,077
28	HK$5,013	HK$5,218
29	HK$5,076	HK$5,406
30	HK$5,115	HK$5,654
31	HK$5,193	HK$5,953
32	HK$5,270	HK$6,217
33	HK$5,531	HK$6,468
34	HK$5,650	HK$6,763
35	HK$5,800	HK$7,005
36	HK$5,963	HK$7,274
37	HK$6,146	HK$7,526
38	HK$6,334	HK$7,795
39	HK$6,529	HK$8,073
40	HK$6,726	HK$8,391
41	HK$6,952	HK$8,656
42	HK$7,182	HK$8,948
43	HK$7,411	HK$9,279
44	HK$7,641	HK$9,633
45	HK$8,099	HK$10,051
46	HK$8,542	HK$10,398
47	HK$8,981	HK$10,716
48	HK$9,425	HK$10,978
49	HK$9,865	HK$11,199
50	HK$10,372	HK$11,429
51	HK$10,864	HK$11,618
52	HK$11,624	HK$11,770
53	HK$12,397	HK$11,945
54	HK$13,130	HK$12,142
55	HK$13,786	HK$12,501
56	HK$14,327	HK$12,775
57	HK$14,868	HK$13,151
58	HK$15,519	HK$13,603
59	HK$16,301	HK$14,136
60	HK$17,162	HK$14,766
61	HK$18,294	HK$15,472
62	HK$19,515	HK$16,600
63	HK$20,736	HK$17,699
64	HK$22,036	HK$18,807
65	HK$23,469	HK$19,880
66	HK$24,531	HK$20,479
67	HK$25,606	HK$21,287
68	HK$26,711	HK$22,188
69	HK$27,866	HK$23,178
70	HK$29,058	HK$24,257
71	HK$30,349	HK$25,390
72	HK$31,714	HK$26,564
73	HK$33,123	HK$27,888
74	HK$34,276	HK$28,957
75	HK$35,338	HK$30,037
76	HK$36,853	HK$31,506
77	HK$38,355	HK$32,963
78	HK$39,867	HK$34,432
79	HK$41,388	HK$35,912
80	HK$43,112	HK$37,576
81	HK$44,414	HK$38,858
82	HK$45,591	HK$40,032
83	HK$46,576	HK$41,032
84	HK$47,537	HK$42,021
85	HK$48,155	HK$42,571
86	HK$48,787	HK$43,123
87	HK$49,422	HK$43,688
88	HK$50,065	HK$44,254
89	HK$50,714	HK$44,832
90	HK$51,372	HK$45,411
91	HK$52,038	HK$46,001
92	HK$52,711	HK$46,591
93	HK$53,391	HK$47,192
94	HK$54,079	HK$47,798
95	HK$54,768	HK$48,411
96	HK$55,470	HK$49,034
97	HK$56,181	HK$49,658
98	HK$56,898	HK$50,291
99	HK$57,627	HK$50,936
100	HK$58,367	HK$51,587
101	HK$59,115	HK$52,248
102	HK$59,411	HK$52,509
103	HK$59,707	HK$52,772
104	HK$60,007	HK$53,037
105	HK$60,306	HK$53,301
106	HK$60,608	HK$53,568
107	HK$60,910	HK$53,835
108	HK$61,216	HK$54,105
109	HK$61,521	HK$54,374
110	HK$61,829	HK$54,647
111	HK$62,138	HK$54,920
112	HK$62,448	HK$55,195
113	HK$62,762	HK$55,472
114	HK$63,074	HK$55,748
115	HK$63,390	HK$56,028
116	HK$63,707	HK$56,308
117	HK$64,026	HK$56,589
118	HK$64,346	HK$56,872
119	HK$64,668	HK$57,156
120	HK$64,991	HK$57,442
121	HK$65,316	HK$57,729

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

Ward

View details →

Ward with SMM

Current page

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