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
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$16,437 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$10,980 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$27,990 /yr
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Deductible
8,000 HKD deductible
Entry premium (Age 30 any gender)
HK$11,370 /yr
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Deductible
8,000 HKD deductible
Entry premium (Age 30 any gender)
HK$16,754 /yr
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Deductible
22,800 HKD deductible
Entry premium (Age 30 any gender)
HK$6,569 /yr
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Deductible
22,800 HKD deductible
Entry premium (Age 30 any gender)
HK$4,937 /yr
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Deductible
22,800 HKD deductible
Entry premium (Age 30 any gender)
HK$12,460 /yr
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Deductible
45,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,729 /yr
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Deductible
45,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,286 /yr
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Deductible
45,000 HKD deductible
Entry premium (Age 30 any gender)
HK$9,693 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,899 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,698 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,069 /yr
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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 →- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Dec 29, 2025
- Last verified
- 2026-04-25