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VHIS Flexi · F00019-03-000-06

Manulife First VHIS Flexi Plan - Private Room

宏利全護航自願醫保靈活計劃 - 私家房

Manulife (International) Limited

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Your premium

HK$11,168 /yr

age

Ward class

Standard Private Room

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	$4,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$35,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$3,900 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$12,000 per Policy Year
(e) Intensive care (e) 深切治療	$10,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$10,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$26,250
Surgeon's fee — Major 外科醫生費 — 大型	$52,500
Surgeon's fee — Complex 外科醫生費 — 複雜	$105,000
(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	$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$225,000 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	$2,000, per visit, $29,000 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	$40,000 per Policy Year
Extra Benefits
Isolation ward charges benefit 隔離病房	$4,000 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	$200,000 per Policy Year
Daily post-surgery home nursing benefit 出院後私家看護	$1,760 per visit, up to $35,000 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	$15,000 per Policy Year, within 24 hours of the Accident
Cash Benefits
Second-claim cash allowanceAfter other pays 特別獎賞	$1,200 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
$4,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$35,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$3,900 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$12,000 per Policy Year
(e) Intensive care
(e) 深切治療
$10,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$10,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$26,250
Surgeon's fee — Major
外科醫生費 — 大型
$52,500
Surgeon's fee — Complex
外科醫生費 — 複雜
$105,000
(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
$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$225,000 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
$2,000, per visit, $29,000 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
$40,000 per Policy Year

Extra Benefits

Isolation ward charges benefit
隔離病房
$4,000 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
$200,000 per Policy Year
Daily post-surgery home nursing benefit
出院後私家看護
$1,760 per visit, up to $35,000 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
$15,000 per Policy Year, within 24 hours of the Accident

Cash Benefits

Second-claim cash allowanceAfter other pays
特別獎賞
$1,200 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$12,998	HK$11,918
1	HK$12,235	HK$11,263
2	HK$11,426	HK$10,565
3	HK$10,747	HK$9,992
4	HK$10,117	HK$9,454
5	HK$9,470	HK$8,907
6	HK$8,854	HK$8,389
7	HK$8,335	HK$7,877
8	HK$7,835	HK$7,367
9	HK$7,355	HK$6,842
10	HK$6,940	HK$6,468
11	HK$6,807	HK$6,337
12	HK$6,670	HK$6,208
13	HK$6,531	HK$6,096
14	HK$6,399	HK$6,640
15	HK$6,531	HK$6,782
16	HK$6,670	HK$6,915
17	HK$6,807	HK$7,052
18	HK$7,387	HK$7,530
19	HK$7,981	HK$8,008
20	HK$8,597	HK$8,510
21	HK$9,209	HK$9,007
22	HK$9,750	HK$9,523
23	HK$10,107	HK$9,887
24	HK$10,251	HK$10,254
25	HK$10,356	HK$10,627
26	HK$10,603	HK$10,890
27	HK$10,789	HK$11,084
28	HK$10,945	HK$11,395
29	HK$11,081	HK$11,804
30	HK$11,168	HK$12,346
31	HK$11,338	HK$12,998
32	HK$11,504	HK$13,574
33	HK$12,076	HK$14,126
34	HK$12,335	HK$14,767
35	HK$12,665	HK$15,294
36	HK$13,023	HK$15,881
37	HK$13,422	HK$16,435
38	HK$13,831	HK$17,023
39	HK$14,259	HK$17,629
40	HK$14,685	HK$18,320
41	HK$15,177	HK$18,902
42	HK$15,680	HK$19,542
43	HK$16,182	HK$20,260
44	HK$16,684	HK$21,033
45	HK$17,684	HK$21,945
46	HK$18,651	HK$22,704
47	HK$19,608	HK$23,401
48	HK$20,578	HK$23,971
49	HK$21,541	HK$24,454
50	HK$22,646	HK$24,953
51	HK$23,723	HK$25,372
52	HK$25,381	HK$25,699
53	HK$27,068	HK$26,081
54	HK$28,669	HK$26,514
55	HK$30,101	HK$27,297
56	HK$31,283	HK$27,894
57	HK$32,466	HK$28,714
58	HK$33,886	HK$29,699
59	HK$35,592	HK$30,864
60	HK$37,473	HK$32,243
61	HK$39,944	HK$33,785
62	HK$42,608	HK$36,247
63	HK$45,276	HK$38,645
64	HK$48,117	HK$41,067
65	HK$51,246	HK$43,406
66	HK$53,564	HK$44,717
67	HK$55,913	HK$46,480
68	HK$58,324	HK$48,448
69	HK$60,847	HK$50,610
70	HK$63,450	HK$52,965
71	HK$66,269	HK$55,441
72	HK$69,248	HK$58,001
73	HK$72,325	HK$60,896
74	HK$74,843	HK$63,229
75	HK$77,162	HK$65,584
76	HK$80,468	HK$68,796
77	HK$83,748	HK$71,977
78	HK$87,053	HK$75,183
79	HK$90,371	HK$78,417
80	HK$94,136	HK$82,046
81	HK$96,976	HK$84,849
82	HK$99,549	HK$87,411
83	HK$101,699	HK$89,596
84	HK$103,800	HK$91,752
85	HK$105,148	HK$92,953
86	HK$106,525	HK$94,162
87	HK$107,914	HK$95,392
88	HK$109,320	HK$96,632
89	HK$110,735	HK$97,892
90	HK$112,173	HK$99,155
91	HK$113,627	HK$100,444
92	HK$115,095	HK$101,735
93	HK$116,579	HK$103,045
94	HK$118,083	HK$104,369
95	HK$119,587	HK$105,707
96	HK$121,121	HK$107,066
97	HK$122,673	HK$108,428
98	HK$124,240	HK$109,812
99	HK$125,831	HK$111,218
100	HK$127,446	HK$112,643
101	HK$129,080	HK$114,086
102	HK$129,725	HK$114,655
103	HK$130,374	HK$115,230
104	HK$131,025	HK$115,806
105	HK$131,679	HK$116,384
106	HK$132,339	HK$116,965
107	HK$132,999	HK$117,552
108	HK$133,663	HK$118,140
109	HK$134,333	HK$118,727
110	HK$135,006	HK$119,323
111	HK$135,680	HK$119,919
112	HK$136,360	HK$120,520
113	HK$137,041	HK$121,123
114	HK$137,727	HK$121,727
115	HK$138,414	HK$122,337
116	HK$139,105	HK$122,948
117	HK$139,801	HK$123,563
118	HK$140,501	HK$124,182
119	HK$141,202	HK$124,802
120	HK$141,909	HK$125,425
121	HK$142,619	HK$126,052

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

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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.