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VHIS Flexi · F00019-03-002-07

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 First VHIS Flexi Plan - Private Room with SMM Plus 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$19,326 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

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$22,494	HK$20,622
1	HK$21,172	HK$19,491
2	HK$19,773	HK$18,281
3	HK$18,597	HK$17,290
4	HK$17,508	HK$16,356
5	HK$16,387	HK$15,413
6	HK$15,321	HK$14,516
7	HK$14,424	HK$13,632
8	HK$13,559	HK$12,748
9	HK$12,729	HK$11,838
10	HK$12,009	HK$11,192
11	HK$11,777	HK$10,965
12	HK$11,542	HK$10,743
13	HK$11,300	HK$10,549
14	HK$11,075	HK$11,490
15	HK$11,300	HK$11,736
16	HK$11,542	HK$11,967
17	HK$11,777	HK$12,204
18	HK$12,785	HK$13,029
19	HK$13,810	HK$13,857
20	HK$14,876	HK$14,726
21	HK$15,936	HK$15,587
22	HK$16,872	HK$16,479
23	HK$17,489	HK$17,107
24	HK$17,740	HK$17,746
25	HK$17,920	HK$18,388
26	HK$18,351	HK$18,845
27	HK$18,672	HK$19,181
28	HK$18,940	HK$19,719
29	HK$19,175	HK$20,428
30	HK$19,326	HK$21,363
31	HK$19,621	HK$22,492
32	HK$19,908	HK$23,491
33	HK$20,896	HK$24,444
34	HK$21,344	HK$25,555
35	HK$21,916	HK$26,465
36	HK$22,534	HK$27,483
37	HK$23,226	HK$28,442
38	HK$23,935	HK$29,457
39	HK$24,675	HK$30,506
40	HK$25,414	HK$31,701
41	HK$26,263	HK$32,708
42	HK$27,132	HK$33,818
43	HK$28,002	HK$35,060
44	HK$28,870	HK$36,397
45	HK$30,600	HK$37,975
46	HK$32,272	HK$39,287
47	HK$33,931	HK$40,493
48	HK$35,610	HK$41,481
49	HK$37,276	HK$42,317
50	HK$39,189	HK$43,180
51	HK$41,052	HK$43,903
52	HK$43,922	HK$44,472
53	HK$46,841	HK$45,132
54	HK$49,612	HK$45,882
55	HK$52,090	HK$47,235
56	HK$54,133	HK$48,271
57	HK$56,180	HK$49,689
58	HK$58,637	HK$51,394
59	HK$61,591	HK$53,409
60	HK$64,845	HK$55,796
61	HK$69,121	HK$58,462
62	HK$73,732	HK$62,722
63	HK$78,348	HK$66,872
64	HK$83,264	HK$71,065
65	HK$88,679	HK$75,111
66	HK$92,688	HK$77,380
67	HK$96,755	HK$80,431
68	HK$100,927	HK$83,837
69	HK$105,294	HK$87,577
70	HK$109,799	HK$91,653
71	HK$114,675	HK$95,938
72	HK$119,830	HK$100,369
73	HK$125,156	HK$105,378
74	HK$129,513	HK$109,414
75	HK$133,525	HK$113,492
76	HK$139,248	HK$119,049
77	HK$144,922	HK$124,551
78	HK$150,642	HK$130,099
79	HK$156,384	HK$135,696
80	HK$162,898	HK$141,979
81	HK$167,815	HK$146,828
82	HK$172,265	HK$151,262
83	HK$175,986	HK$155,042
84	HK$179,619	HK$158,773
85	HK$181,956	HK$160,851
86	HK$184,336	HK$162,942
87	HK$186,742	HK$165,074
88	HK$189,176	HK$167,216
89	HK$191,623	HK$169,398
90	HK$194,111	HK$171,584
91	HK$196,627	HK$173,814
92	HK$199,168	HK$176,049
93	HK$201,734	HK$178,317
94	HK$204,338	HK$180,606
95	HK$206,941	HK$182,923
96	HK$209,595	HK$185,275
97	HK$212,279	HK$187,631
98	HK$214,992	HK$190,027
99	HK$217,746	HK$192,460
100	HK$220,540	HK$194,923
101	HK$223,368	HK$197,419
102	HK$224,485	HK$198,406
103	HK$225,606	HK$199,402
104	HK$226,733	HK$200,398
105	HK$227,866	HK$201,398
106	HK$229,008	HK$202,404
107	HK$230,150	HK$203,419
108	HK$231,301	HK$204,435
109	HK$232,456	HK$205,455
110	HK$233,622	HK$206,485
111	HK$234,789	HK$207,515
112	HK$235,966	HK$208,555
113	HK$237,145	HK$209,599
114	HK$238,331	HK$210,643
115	HK$239,520	HK$211,697
116	HK$240,715	HK$212,758
117	HK$241,920	HK$213,820
118	HK$243,131	HK$214,888
119	HK$244,344	HK$215,962
120	HK$245,569	HK$217,040
121	HK$246,798	HK$218,125

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

View details →

View details →

View details →

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

Current page

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