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VHIS Flexi · F00019-03-000-07

Manulife First VHIS Flexi Plan - Private Room

宏利全護航自願醫保靈活計劃 - 私家房

Manulife First VHIS Flexi Plan - Private Room is a VHIS Flexi plan offered by Manulife (International) Limited, with ward class Standard Private Room, Worldwide coverage and full coverage (no annual benefit limit). Latest plan-document version: Jun 29, 2026.

Your premium

HK$11,950 /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$13,908	HK$12,752
1	HK$13,091	HK$12,051
2	HK$12,226	HK$11,305
3	HK$11,499	HK$10,691
4	HK$10,825	HK$10,116
5	HK$10,133	HK$9,530
6	HK$9,474	HK$8,976
7	HK$8,918	HK$8,428
8	HK$8,383	HK$7,883
9	HK$7,870	HK$7,321
10	HK$7,426	HK$6,921
11	HK$7,283	HK$6,781
12	HK$7,137	HK$6,643
13	HK$6,988	HK$6,523
14	HK$6,847	HK$7,105
15	HK$6,988	HK$7,257
16	HK$7,137	HK$7,399
17	HK$7,283	HK$7,546
18	HK$7,904	HK$8,057
19	HK$8,540	HK$8,569
20	HK$9,199	HK$9,106
21	HK$9,854	HK$9,637
22	HK$10,433	HK$10,190
23	HK$10,814	HK$10,579
24	HK$10,969	HK$10,972
25	HK$11,081	HK$11,371
26	HK$11,345	HK$11,652
27	HK$11,544	HK$11,860
28	HK$11,711	HK$12,193
29	HK$11,857	HK$12,630
30	HK$11,950	HK$13,210
31	HK$12,132	HK$13,908
32	HK$12,309	HK$14,524
33	HK$12,921	HK$15,115
34	HK$13,198	HK$15,801
35	HK$13,552	HK$16,365
36	HK$13,935	HK$16,993
37	HK$14,362	HK$17,585
38	HK$14,799	HK$18,215
39	HK$15,257	HK$18,863
40	HK$15,713	HK$19,602
41	HK$16,239	HK$20,225
42	HK$16,778	HK$20,910
43	HK$17,315	HK$21,678
44	HK$17,852	HK$22,505
45	HK$18,922	HK$23,481
46	HK$19,957	HK$24,293
47	HK$20,981	HK$25,039
48	HK$22,018	HK$25,649
49	HK$23,049	HK$26,166
50	HK$24,231	HK$26,700
51	HK$25,384	HK$27,148
52	HK$27,158	HK$27,498
53	HK$28,963	HK$27,907
54	HK$30,676	HK$28,370
55	HK$32,208	HK$29,208
56	HK$33,473	HK$29,847
57	HK$34,739	HK$30,724
58	HK$36,258	HK$31,778
59	HK$38,083	HK$33,024
60	HK$40,096	HK$34,500
61	HK$42,740	HK$36,150
62	HK$45,591	HK$38,784
63	HK$48,445	HK$41,350
64	HK$51,485	HK$43,942
65	HK$54,833	HK$46,444
66	HK$57,313	HK$47,847
67	HK$59,827	HK$49,734
68	HK$62,407	HK$51,839
69	HK$65,106	HK$54,153
70	HK$67,892	HK$56,673
71	HK$70,908	HK$59,322
72	HK$74,095	HK$62,061
73	HK$77,388	HK$65,159
74	HK$80,082	HK$67,655
75	HK$82,563	HK$70,175
76	HK$86,101	HK$73,612
77	HK$89,610	HK$77,015
78	HK$93,147	HK$80,446
79	HK$96,697	HK$83,906
80	HK$100,726	HK$87,789
81	HK$103,764	HK$90,788
82	HK$106,517	HK$93,530
83	HK$108,818	HK$95,868
84	HK$111,066	HK$98,175
85	HK$112,508	HK$99,460
86	HK$113,982	HK$100,753
87	HK$115,468	HK$102,069
88	HK$116,972	HK$103,396
89	HK$118,486	HK$104,744
90	HK$120,025	HK$106,096
91	HK$121,581	HK$107,475
92	HK$123,152	HK$108,856
93	HK$124,740	HK$110,258
94	HK$126,349	HK$111,675
95	HK$127,958	HK$113,106
96	HK$129,599	HK$114,561
97	HK$131,260	HK$116,018
98	HK$132,937	HK$117,499
99	HK$134,639	HK$119,003
100	HK$136,367	HK$120,528
101	HK$138,116	HK$122,072
102	HK$138,806	HK$122,681
103	HK$139,500	HK$123,296
104	HK$140,197	HK$123,912
105	HK$140,897	HK$124,531
106	HK$141,603	HK$125,153
107	HK$142,309	HK$125,781
108	HK$143,019	HK$126,410
109	HK$143,736	HK$127,038
110	HK$144,456	HK$127,676
111	HK$145,178	HK$128,313
112	HK$145,905	HK$128,956
113	HK$146,634	HK$129,602
114	HK$147,368	HK$130,248
115	HK$148,103	HK$130,901
116	HK$148,842	HK$131,554
117	HK$149,587	HK$132,212
118	HK$150,336	HK$132,875
119	HK$151,086	HK$133,538
120	HK$151,843	HK$134,205
121	HK$152,602	HK$134,876

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

View details →

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View details →

Semi-private Room with SMM

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Semi-private Room with SMM Plus

View details →

Private Room

Current page

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