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VHIS Flexi · F00019-01-001-06

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 (International) Limited

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Your premium

HK$4,780 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

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$5,563	HK$5,101
1	HK$5,236	HK$4,821
2	HK$4,891	HK$4,522
3	HK$4,600	HK$4,277
4	HK$4,331	HK$4,046
5	HK$4,053	HK$3,813
6	HK$3,790	HK$3,590
7	HK$3,568	HK$3,371
8	HK$3,353	HK$3,152
9	HK$3,148	HK$2,928
10	HK$2,971	HK$2,768
11	HK$2,914	HK$2,711
12	HK$2,856	HK$2,656
13	HK$2,795	HK$2,610
14	HK$2,739	HK$2,842
15	HK$2,795	HK$2,902
16	HK$2,856	HK$2,960
17	HK$2,914	HK$3,019
18	HK$3,162	HK$3,222
19	HK$3,415	HK$3,427
20	HK$3,680	HK$3,642
21	HK$3,941	HK$3,855
22	HK$4,172	HK$4,076
23	HK$4,326	HK$4,232
24	HK$4,387	HK$4,388
25	HK$4,433	HK$4,548
26	HK$4,539	HK$4,661
27	HK$4,618	HK$4,745
28	HK$4,685	HK$4,877
29	HK$4,744	HK$5,052
30	HK$4,780	HK$5,284
31	HK$4,853	HK$5,564
32	HK$4,925	HK$5,810
33	HK$5,169	HK$6,045
34	HK$5,280	HK$6,321
35	HK$5,421	HK$6,547
36	HK$5,573	HK$6,798
37	HK$5,744	HK$7,034
38	HK$5,920	HK$7,285
39	HK$6,102	HK$7,545
40	HK$6,286	HK$7,842
41	HK$6,497	HK$8,090
42	HK$6,712	HK$8,363
43	HK$6,926	HK$8,672
44	HK$7,141	HK$9,003
45	HK$7,569	HK$9,393
46	HK$7,983	HK$9,718
47	HK$8,393	HK$10,015
48	HK$8,808	HK$10,260
49	HK$9,220	HK$10,466
50	HK$9,693	HK$10,681
51	HK$10,153	HK$10,858
52	HK$10,864	HK$11,000
53	HK$11,586	HK$11,164
54	HK$12,271	HK$11,348
55	HK$12,884	HK$11,683
56	HK$13,390	HK$11,939
57	HK$13,895	HK$12,291
58	HK$14,504	HK$12,713
59	HK$15,235	HK$13,211
60	HK$16,039	HK$13,800
61	HK$17,097	HK$14,460
62	HK$18,238	HK$15,514
63	HK$19,379	HK$16,541
64	HK$20,594	HK$17,577
65	HK$21,934	HK$18,579
66	HK$22,926	HK$19,139
67	HK$23,931	HK$19,894
68	HK$24,964	HK$20,736
69	HK$26,043	HK$21,662
70	HK$27,157	HK$22,670
71	HK$28,364	HK$23,729
72	HK$29,639	HK$24,826
73	HK$30,956	HK$26,064
74	HK$32,034	HK$27,063
75	HK$33,026	HK$28,072
76	HK$34,442	HK$29,445
77	HK$35,846	HK$30,807
78	HK$37,259	HK$32,179
79	HK$38,680	HK$33,563
80	HK$40,292	HK$35,118
81	HK$41,508	HK$36,316
82	HK$42,608	HK$37,413
83	HK$43,529	HK$38,348
84	HK$44,427	HK$39,272
85	HK$45,005	HK$39,786
86	HK$45,595	HK$40,302
87	HK$46,189	HK$40,830
88	HK$46,790	HK$41,359
89	HK$47,396	HK$41,899
90	HK$48,011	HK$42,440
91	HK$48,634	HK$42,992
92	HK$49,263	HK$43,543
93	HK$49,898	HK$44,105
94	HK$50,541	HK$44,671
95	HK$51,185	HK$45,244
96	HK$51,841	HK$45,826
97	HK$52,506	HK$46,409
98	HK$53,176	HK$47,001
99	HK$53,857	HK$47,604
100	HK$54,549	HK$48,212
101	HK$55,248	HK$48,830
102	HK$55,524	HK$49,074
103	HK$55,801	HK$49,320
104	HK$56,081	HK$49,567
105	HK$56,361	HK$49,814
106	HK$56,643	HK$50,064
107	HK$56,925	HK$50,313
108	HK$57,211	HK$50,565
109	HK$57,496	HK$50,817
110	HK$57,784	HK$51,072
111	HK$58,073	HK$51,327
112	HK$58,363	HK$51,584
113	HK$58,656	HK$51,843
114	HK$58,948	HK$52,101
115	HK$59,243	HK$52,363
116	HK$59,539	HK$52,624
117	HK$59,837	HK$52,887
118	HK$60,136	HK$53,151
119	HK$60,437	HK$53,417
120	HK$60,739	HK$53,684
121	HK$61,043	HK$53,952

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

Ward

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Ward with SMM

Current page

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.