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VHIS Flexi · F00019-03-002-06

Manulife First VHIS Flexi Plan - Private Room with SMM Plus

宏利全護航自願醫保靈活計劃 - 私家房+特級高額醫療保障

Manulife (International) Limited

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Your premium

HK$18,062 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$525,000／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$551,250

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$21,022	HK$19,273
1	HK$19,787	HK$18,216
2	HK$18,479	HK$17,085
3	HK$17,380	HK$16,159
4	HK$16,363	HK$15,286
5	HK$15,315	HK$14,405
6	HK$14,319	HK$13,566
7	HK$13,480	HK$12,740
8	HK$12,672	HK$11,914
9	HK$11,896	HK$11,064
10	HK$11,223	HK$10,460
11	HK$11,007	HK$10,248
12	HK$10,787	HK$10,040
13	HK$10,561	HK$9,859
14	HK$10,350	HK$10,738
15	HK$10,561	HK$10,968
16	HK$10,787	HK$11,184
17	HK$11,007	HK$11,406
18	HK$11,949	HK$12,177
19	HK$12,907	HK$12,950
20	HK$13,903	HK$13,763
21	HK$14,893	HK$14,567
22	HK$15,768	HK$15,401
23	HK$16,345	HK$15,988
24	HK$16,579	HK$16,585
25	HK$16,748	HK$17,185
26	HK$17,150	HK$17,612
27	HK$17,450	HK$17,926
28	HK$17,701	HK$18,429
29	HK$17,921	HK$19,092
30	HK$18,062	HK$19,965
31	HK$18,337	HK$21,021
32	HK$18,606	HK$21,954
33	HK$19,529	HK$22,845
34	HK$19,948	HK$23,883
35	HK$20,482	HK$24,734
36	HK$21,060	HK$25,685
37	HK$21,707	HK$26,581
38	HK$22,369	HK$27,530
39	HK$23,061	HK$28,510
40	HK$23,751	HK$29,627
41	HK$24,545	HK$30,568
42	HK$25,357	HK$31,606
43	HK$26,170	HK$32,766
44	HK$26,981	HK$34,016
45	HK$28,598	HK$35,491
46	HK$30,161	HK$36,717
47	HK$31,711	HK$37,844
48	HK$33,280	HK$38,767
49	HK$34,837	HK$39,549
50	HK$36,625	HK$40,355
51	HK$38,366	HK$41,031
52	HK$41,049	HK$41,563
53	HK$43,777	HK$42,179
54	HK$46,366	HK$42,880
55	HK$48,682	HK$44,145
56	HK$50,592	HK$45,113
57	HK$52,505	HK$46,438
58	HK$54,801	HK$48,032
59	HK$57,562	HK$49,915
60	HK$60,603	HK$52,146
61	HK$64,599	HK$54,637
62	HK$68,908	HK$58,619
63	HK$73,222	HK$62,497
64	HK$77,817	HK$66,416
65	HK$82,878	HK$70,197
66	HK$86,624	HK$72,318
67	HK$90,425	HK$75,169
68	HK$94,324	HK$78,352
69	HK$98,406	HK$81,848
70	HK$102,616	HK$85,657
71	HK$107,173	HK$89,662
72	HK$111,991	HK$93,803
73	HK$116,968	HK$98,484
74	HK$121,040	HK$102,256
75	HK$124,790	HK$106,067
76	HK$130,138	HK$111,261
77	HK$135,441	HK$116,403
78	HK$140,787	HK$121,588
79	HK$146,153	HK$126,819
80	HK$152,241	HK$132,691
81	HK$156,836	HK$137,222
82	HK$160,995	HK$141,366
83	HK$164,473	HK$144,899
84	HK$167,868	HK$148,386
85	HK$170,052	HK$150,328
86	HK$172,277	HK$152,282
87	HK$174,525	HK$154,275
88	HK$176,800	HK$156,277
89	HK$179,087	HK$158,316
90	HK$181,412	HK$160,359
91	HK$183,764	HK$162,443
92	HK$186,138	HK$164,532
93	HK$188,536	HK$166,651
94	HK$190,970	HK$168,791
95	HK$193,403	HK$170,956
96	HK$195,883	HK$173,154
97	HK$198,392	HK$175,356
98	HK$200,927	HK$177,595
99	HK$203,501	HK$179,869
100	HK$206,112	HK$182,171
101	HK$208,755	HK$184,504
102	HK$209,799	HK$185,426
103	HK$210,847	HK$186,357
104	HK$211,900	HK$187,288
105	HK$212,959	HK$188,222
106	HK$214,026	HK$189,163
107	HK$215,093	HK$190,111
108	HK$216,169	HK$191,061
109	HK$217,249	HK$192,014
110	HK$218,338	HK$192,977
111	HK$219,429	HK$193,939
112	HK$220,529	HK$194,911
113	HK$221,631	HK$195,887
114	HK$222,739	HK$196,863
115	HK$223,850	HK$197,848
116	HK$224,967	HK$198,839
117	HK$226,093	HK$199,832
118	HK$227,225	HK$200,830
119	HK$228,359	HK$201,834
120	HK$229,504	HK$202,841
121	HK$230,652	HK$203,855

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

View details →

Private Room with SMM Plus

Current page

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.