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VHIS Flexi · F00019-03-001-07

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 First VHIS Flexi Plan - Private Room with SMM 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$16,100 /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$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$18,737	HK$17,180
1	HK$17,637	HK$16,236
2	HK$16,471	HK$15,228
3	HK$15,491	HK$14,402
4	HK$14,586	HK$13,625
5	HK$13,650	HK$12,840
6	HK$12,764	HK$12,092
7	HK$12,015	HK$11,355
8	HK$11,295	HK$10,619
9	HK$10,603	HK$9,861
10	HK$10,003	HK$9,322
11	HK$9,812	HK$9,134
12	HK$9,614	HK$8,947
13	HK$9,414	HK$8,788
14	HK$9,226	HK$9,571
15	HK$9,414	HK$9,774
16	HK$9,614	HK$9,968
17	HK$9,812	HK$10,166
18	HK$10,649	HK$10,854
19	HK$11,504	HK$11,543
20	HK$12,393	HK$12,268
21	HK$13,274	HK$12,983
22	HK$14,053	HK$13,726
23	HK$14,569	HK$14,250
24	HK$14,778	HK$14,781
25	HK$14,927	HK$15,316
26	HK$15,286	HK$15,697
27	HK$15,552	HK$15,978
28	HK$15,777	HK$16,427
29	HK$15,975	HK$17,017
30	HK$16,100	HK$17,795
31	HK$16,344	HK$18,736
32	HK$16,584	HK$19,567
33	HK$17,406	HK$20,361
34	HK$17,780	HK$21,288
35	HK$18,256	HK$22,046
36	HK$18,773	HK$22,893
37	HK$19,346	HK$23,691
38	HK$19,937	HK$24,538
39	HK$20,554	HK$25,410
40	HK$21,169	HK$26,407
41	HK$21,877	HK$27,244
42	HK$22,602	HK$28,170
43	HK$23,325	HK$29,205
44	HK$24,049	HK$30,318
45	HK$25,488	HK$31,633
46	HK$26,884	HK$32,728
47	HK$28,263	HK$33,731
48	HK$29,661	HK$34,554
49	HK$31,051	HK$35,250
50	HK$32,645	HK$35,970
51	HK$34,197	HK$36,573
52	HK$36,587	HK$37,047
53	HK$39,019	HK$37,596
54	HK$41,326	HK$38,219
55	HK$43,390	HK$39,347
56	HK$45,094	HK$40,210
57	HK$46,798	HK$41,392
58	HK$48,844	HK$42,812
59	HK$51,305	HK$44,491
60	HK$54,017	HK$46,479
61	HK$57,579	HK$48,700
62	HK$61,418	HK$52,248
63	HK$65,264	HK$55,705
64	HK$69,358	HK$59,198
65	HK$73,870	HK$62,567
66	HK$77,209	HK$64,458
67	HK$80,597	HK$66,999
68	HK$84,072	HK$69,836
69	HK$87,710	HK$72,953
70	HK$91,463	HK$76,349
71	HK$95,525	HK$79,916
72	HK$99,819	HK$83,608
73	HK$104,254	HK$87,780
74	HK$107,885	HK$91,143
75	HK$111,228	HK$94,539
76	HK$115,994	HK$99,167
77	HK$120,722	HK$103,754
78	HK$125,484	HK$108,374
79	HK$130,267	HK$113,037
80	HK$135,694	HK$118,268
81	HK$139,789	HK$122,307
82	HK$143,496	HK$126,002
83	HK$146,595	HK$129,150
84	HK$149,623	HK$132,259
85	HK$151,569	HK$133,992
86	HK$153,554	HK$135,731
87	HK$155,557	HK$137,508
88	HK$157,584	HK$139,292
89	HK$159,624	HK$141,108
90	HK$161,696	HK$142,931
91	HK$163,791	HK$144,788
92	HK$165,908	HK$146,650
93	HK$168,046	HK$148,538
94	HK$170,213	HK$150,444
95	HK$172,382	HK$152,375
96	HK$174,594	HK$154,335
97	HK$176,829	HK$156,297
98	HK$179,088	HK$158,292
99	HK$181,383	HK$160,318
100	HK$183,709	HK$162,371
101	HK$186,066	HK$164,450
102	HK$186,996	HK$165,273
103	HK$187,931	HK$166,103
104	HK$188,870	HK$166,932
105	HK$189,813	HK$167,765
106	HK$190,764	HK$168,603
107	HK$191,715	HK$169,449
108	HK$192,674	HK$170,295
109	HK$193,637	HK$171,145
110	HK$194,608	HK$172,003
111	HK$195,580	HK$172,860
112	HK$196,559	HK$173,726
113	HK$197,542	HK$174,597
114	HK$198,530	HK$175,465
115	HK$199,521	HK$176,343
116	HK$200,515	HK$177,228
117	HK$201,521	HK$178,114
118	HK$202,529	HK$179,002
119	HK$203,540	HK$179,898
120	HK$204,559	HK$180,797
121	HK$205,582	HK$181,700

Other deductible options in this series

9 deductibles — same benefit schedule, premium scales with deductible

View details →

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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

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