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VHIS Plan

Manulife Supreme VHIS Flexi Plan

宏利晉悅自願醫保靈活計劃

Manulife (International) Limited·14 plan options

VHIS Flexi

Manulife Supreme VHIS Flexi Plan is a VHIS Flexi plan offered by Manulife (International) Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage and HK$12,000,000 annual benefit limit. Latest plan-document version: Dec 29, 2025.

01 · Plan options

14 options — premiums differ; deductible, ward class or cover may also differ

Plan option

Advance (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$16,437 /yr

View details →

Plan option

Smart (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$10,980 /yr

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Plan option

Deluxe (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$27,990 /yr

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Plan option

Advance (HKD8,000 Deductible)

Deductible 8,000 HKD deductible

Entry premium (Age 30 any gender)

HK$11,370 /yr

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Plan option

Deluxe (HKD8,000 Deductible)

Deductible 8,000 HKD deductible

Entry premium (Age 30 any gender)

HK$16,754 /yr

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Plan option

Advance (HKD22,800 Deductible)

Deductible 22,800 HKD deductible

Entry premium (Age 30 any gender)

HK$6,569 /yr

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Plan option

Smart (HKD22,800 Deductible)

Deductible 22,800 HKD deductible

Entry premium (Age 30 any gender)

HK$4,937 /yr

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Plan option

Deluxe (HKD22,800 Deductible)

Deductible 22,800 HKD deductible

Entry premium (Age 30 any gender)

HK$12,460 /yr

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Plan option

Advance (HKD45,000 Deductible)

Deductible 45,000 HKD deductible

Entry premium (Age 30 any gender)

HK$5,729 /yr

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Plan option

Smart (HKD45,000 Deductible)

Deductible 45,000 HKD deductible

Entry premium (Age 30 any gender)

HK$3,286 /yr

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Plan option

Deluxe (HKD45,000 Deductible)

Deductible 45,000 HKD deductible

Entry premium (Age 30 any gender)

HK$9,693 /yr

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Plan option

Advance (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$3,899 /yr

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Plan option

Smart (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,698 /yr

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Plan option

Deluxe (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$8,069 /yr

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02 · Premiums by age

Yearly premium of every option by age and sex

Standard yearly premium for non-smokers, before the premium levy (Male)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
Advance (HKD0 Deductible)Deductible HKD 0 deductible	HK$12,099	HK$12,099	HK$13,398	HK$16,437	HK$20,328	HK$29,940	HK$54,626	HK$93,080	HK$145,629
Smart (HKD0 Deductible)Deductible HKD 0 deductible	HK$7,003	HK$7,003	HK$7,617	HK$10,980	HK$13,073	HK$19,349	HK$32,281	HK$62,371	HK$107,918
Deluxe (HKD0 Deductible)Deductible HKD 0 deductible	HK$21,443	HK$21,443	HK$22,539	HK$27,990	HK$35,113	HK$51,728	HK$91,265	HK$152,956	HK$242,163
Advance (HKD8,000 Deductible)Deductible 8,000 HKD deductible	HK$8,171	HK$8,171	HK$9,127	HK$11,370	HK$14,032	HK$20,867	HK$35,705	HK$64,314	HK$100,310
Deluxe (HKD8,000 Deductible)Deductible 8,000 HKD deductible	HK$12,815	HK$12,815	HK$13,646	HK$16,754	HK$20,757	HK$29,236	HK$55,566	HK$98,900	HK$163,817
Advance (HKD22,800 Deductible)Deductible 22,800 HKD deductible	HK$4,724	HK$4,724	HK$5,274	HK$6,569	HK$8,128	HK$12,060	HK$20,636	HK$40,024	HK$61,722
Smart (HKD22,800 Deductible)Deductible 22,800 HKD deductible	HK$3,401	HK$3,401	HK$3,518	HK$4,937	HK$6,318	HK$9,343	HK$15,712	HK$31,630	HK$51,616
Deluxe (HKD22,800 Deductible)Deductible 22,800 HKD deductible	HK$9,022	HK$9,022	HK$9,534	HK$12,460	HK$16,275	HK$23,865	HK$43,129	HK$80,155	HK$112,973
Advance (HKD45,000 Deductible)Deductible 45,000 HKD deductible	HK$4,119	HK$4,119	HK$4,598	HK$5,729	HK$7,088	HK$10,517	HK$17,995	HK$34,902	HK$53,824
Smart (HKD45,000 Deductible)Deductible 45,000 HKD deductible	HK$2,494	HK$2,494	HK$2,697	HK$3,286	HK$3,942	HK$6,595	HK$10,835	HK$23,203	HK$39,662
Deluxe (HKD45,000 Deductible)Deductible 45,000 HKD deductible	HK$7,926	HK$7,926	HK$8,135	HK$9,693	HK$13,773	HK$20,070	HK$35,804	HK$63,482	HK$102,802
Advance (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,794	HK$2,794	HK$2,890	HK$3,899	HK$4,845	HK$8,188	HK$13,098	HK$23,482	HK$38,799
Smart (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,234	HK$2,234	HK$2,266	HK$2,698	HK$3,353	HK$5,667	HK$8,865	HK$19,627	HK$32,431
Deluxe (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$6,148	HK$6,148	HK$6,720	HK$8,069	HK$10,043	HK$15,632	HK$27,781	HK$46,200	HK$80,428

Standard yearly premium for non-smokers, before the premium levy (Female)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
Advance (HKD0 Deductible)Deductible HKD 0 deductible	HK$12,099	HK$12,099	HK$13,398	HK$16,437	HK$20,328	HK$29,940	HK$54,626	HK$93,080	HK$145,629
Smart (HKD0 Deductible)Deductible HKD 0 deductible	HK$7,003	HK$7,003	HK$7,617	HK$10,980	HK$13,073	HK$19,349	HK$32,281	HK$62,371	HK$107,918
Deluxe (HKD0 Deductible)Deductible HKD 0 deductible	HK$21,443	HK$21,443	HK$22,539	HK$27,990	HK$35,113	HK$51,728	HK$91,265	HK$152,956	HK$242,163
Advance (HKD8,000 Deductible)Deductible 8,000 HKD deductible	HK$8,171	HK$8,171	HK$9,127	HK$11,370	HK$14,032	HK$20,867	HK$35,705	HK$64,314	HK$100,310
Deluxe (HKD8,000 Deductible)Deductible 8,000 HKD deductible	HK$12,815	HK$12,815	HK$13,646	HK$16,754	HK$20,757	HK$29,236	HK$55,566	HK$98,900	HK$163,817
Advance (HKD22,800 Deductible)Deductible 22,800 HKD deductible	HK$4,724	HK$4,724	HK$5,274	HK$6,569	HK$8,128	HK$12,060	HK$20,636	HK$40,024	HK$61,722
Smart (HKD22,800 Deductible)Deductible 22,800 HKD deductible	HK$3,401	HK$3,401	HK$3,518	HK$4,937	HK$6,318	HK$9,343	HK$15,712	HK$31,630	HK$51,616
Deluxe (HKD22,800 Deductible)Deductible 22,800 HKD deductible	HK$9,022	HK$9,022	HK$9,534	HK$12,460	HK$16,275	HK$23,865	HK$43,129	HK$80,155	HK$112,973
Advance (HKD45,000 Deductible)Deductible 45,000 HKD deductible	HK$4,119	HK$4,119	HK$4,598	HK$5,729	HK$7,088	HK$10,517	HK$17,995	HK$34,902	HK$53,824
Smart (HKD45,000 Deductible)Deductible 45,000 HKD deductible	HK$2,494	HK$2,494	HK$2,697	HK$3,286	HK$3,942	HK$6,595	HK$10,835	HK$23,203	HK$39,662
Deluxe (HKD45,000 Deductible)Deductible 45,000 HKD deductible	HK$7,926	HK$7,926	HK$8,135	HK$9,693	HK$13,773	HK$20,070	HK$35,804	HK$63,482	HK$102,802
Advance (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,794	HK$2,794	HK$2,890	HK$3,899	HK$4,845	HK$8,188	HK$13,098	HK$23,482	HK$38,799
Smart (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,234	HK$2,234	HK$2,266	HK$2,698	HK$3,353	HK$5,667	HK$8,865	HK$19,627	HK$32,431
Deluxe (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$6,148	HK$6,148	HK$6,720	HK$8,069	HK$10,043	HK$15,632	HK$27,781	HK$46,200	HK$80,428

Compare all plans by age →

Why so many deductible options?

The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.

Deductibles FAQ →

How to apply for this plan

This plan is offered by Manulife (International) Limited. To apply, contact Manulife (International) Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF

This site's licensed insurance agent can only arrange FWD plans.

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Schedule effective date: Dec 29, 2025
Plan data updated: 2026-04-25