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VHIS Flexi · F00019-03-001-06

Manulife First VHIS Flexi Plan - Private Room with SMM

宏利全護航自願醫保靈活計劃 - 私家房+高額醫療保障

Manulife (International) Limited

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Your premium

HK$15,047 /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$250,000／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$262,500

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$17,511	HK$16,056
1	HK$16,483	HK$15,174
2	HK$15,393	HK$14,232
3	HK$14,478	HK$13,460
4	HK$13,632	HK$12,734
5	HK$12,757	HK$12,000
6	HK$11,929	HK$11,301
7	HK$11,229	HK$10,612
8	HK$10,556	HK$9,924
9	HK$9,909	HK$9,216
10	HK$9,349	HK$8,712
11	HK$9,170	HK$8,536
12	HK$8,985	HK$8,362
13	HK$8,798	HK$8,213
14	HK$8,622	HK$8,945
15	HK$8,798	HK$9,135
16	HK$8,985	HK$9,316
17	HK$9,170	HK$9,501
18	HK$9,952	HK$10,144
19	HK$10,751	HK$10,788
20	HK$11,582	HK$11,465
21	HK$12,406	HK$12,134
22	HK$13,134	HK$12,828
23	HK$13,616	HK$13,318
24	HK$13,811	HK$13,814
25	HK$13,950	HK$14,314
26	HK$14,286	HK$14,670
27	HK$14,535	HK$14,933
28	HK$14,745	HK$15,352
29	HK$14,930	HK$15,904
30	HK$15,047	HK$16,631
31	HK$15,275	HK$17,510
32	HK$15,499	HK$18,287
33	HK$16,267	HK$19,029
34	HK$16,617	HK$19,895
35	HK$17,062	HK$20,604
36	HK$17,545	HK$21,395
37	HK$18,080	HK$22,141
38	HK$18,633	HK$22,933
39	HK$19,209	HK$23,748
40	HK$19,784	HK$24,679
41	HK$20,446	HK$25,462
42	HK$21,123	HK$26,327
43	HK$21,799	HK$27,294
44	HK$22,476	HK$28,335
45	HK$23,821	HK$29,564
46	HK$25,125	HK$30,587
47	HK$26,414	HK$31,524
48	HK$27,721	HK$32,293
49	HK$29,020	HK$32,944
50	HK$30,509	HK$33,617
51	HK$31,960	HK$34,180
52	HK$34,193	HK$34,623
53	HK$36,466	HK$35,136
54	HK$38,622	HK$35,719
55	HK$40,551	HK$36,773
56	HK$42,144	HK$37,579
57	HK$43,736	HK$38,684
58	HK$45,649	HK$40,011
59	HK$47,949	HK$41,580
60	HK$50,483	HK$43,438
61	HK$53,812	HK$45,514
62	HK$57,400	HK$48,830
63	HK$60,994	HK$52,061
64	HK$64,821	HK$55,325
65	HK$69,037	HK$58,474
66	HK$72,158	HK$60,241
67	HK$75,324	HK$62,616
68	HK$78,572	HK$65,267
69	HK$81,972	HK$68,180
70	HK$85,479	HK$71,354
71	HK$89,276	HK$74,688
72	HK$93,289	HK$78,138
73	HK$97,434	HK$82,037
74	HK$100,827	HK$85,180
75	HK$103,951	HK$88,354
76	HK$108,406	HK$92,679
77	HK$112,824	HK$96,966
78	HK$117,275	HK$101,284
79	HK$121,745	HK$105,642
80	HK$126,817	HK$110,531
81	HK$130,644	HK$114,306
82	HK$134,108	HK$117,759
83	HK$137,005	HK$120,701
84	HK$139,835	HK$123,607
85	HK$141,653	HK$125,226
86	HK$143,508	HK$126,851
87	HK$145,380	HK$128,512
88	HK$147,275	HK$130,179
89	HK$149,181	HK$131,877
90	HK$151,118	HK$133,580
91	HK$153,076	HK$135,316
92	HK$155,054	HK$137,056
93	HK$157,052	HK$138,821
94	HK$159,078	HK$140,602
95	HK$161,105	HK$142,407
96	HK$163,172	HK$144,238
97	HK$165,261	HK$146,072
98	HK$167,372	HK$147,936
99	HK$169,517	HK$149,830
100	HK$171,691	HK$151,749
101	HK$173,893	HK$153,692
102	HK$174,763	HK$154,461
103	HK$175,636	HK$155,236
104	HK$176,514	HK$156,011
105	HK$177,395	HK$156,790
106	HK$178,284	HK$157,573
107	HK$179,173	HK$158,364
108	HK$180,069	HK$159,154
109	HK$180,969	HK$159,949
110	HK$181,877	HK$160,750
111	HK$182,785	HK$161,551
112	HK$183,700	HK$162,361
113	HK$184,619	HK$163,175
114	HK$185,542	HK$163,986
115	HK$186,468	HK$164,807
116	HK$187,397	HK$165,634
117	HK$188,337	HK$166,462
118	HK$189,279	HK$167,292
119	HK$190,224	HK$168,129
120	HK$191,177	HK$168,969
121	HK$192,133	HK$169,813

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

Current page

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.