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VHIS Flexi · F00041-14-000-01

Manulife Supreme VHIS Flexi Plan - Deluxe (HKD100,000 Deductible)

宏利晉悅自願醫保靈活計劃 - 優選 (100,000 港元自付費)

Manulife (International) Limited

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Your premium

HK$8,069 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$100,000

Annual benefit limit

HK$30,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$120,000,000

SMM Supplemental Major Medical

—

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	Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full reimbursement of Eligible Expenses; Coinsurance: 0%R&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible ExpensesR&C
(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	Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy):• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• 1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments (l) 精神科治療	Full reimbursement of Eligible ExpensesR&C
Extra Benefits
Medical implants / prosthetic devices 醫療裝置	Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
Private nursing fee (during Confinement) 私家看護費	Full reimbursement of Eligible Expenses, maximum 90 days per Policy Year, up to 2 visits per dayR&C
Hospital companion bed fee reimbursement 住院陪床費	Full reimbursement of Eligible ExpensesR&C
Outpatient kidney dialysis 門診腎臟透析	Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit 出院後私家看護	Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 90 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stayR&C
Post-Confinement / Day Case Procedure auxiliary therapy 出院後 / 日間手術後的額外門診輔助治療	$1,600 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
Chinese Medicine Practitioner outpatient care 手術後 / 日間手術後的中醫門診治療	$800 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Reconstructive surgery for specified conditions 指定癌症重建手術	$280,000 per specified cancer surgery
Cancer / cardiac / stroke rehabilitation benefit 復康治療	$88,000 per Policy Year
Organ transplant donor benefit 在生器官捐贈者手術費用	$880,000 per living organ donor surgery
Hospice and palliative care benefit 善終服務	$132,000 per Policy Year
Complications of pregnancy 妊娠併發症	Full reimbursement of Eligible ExpensesR&C
Emergency outpatient treatment for Accident 急症門診護理	Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only) 急症牙齒護理	Full reimbursement of Eligible Expenses within 14 days of the AccidentR&C
Covered cancer non-traditional treatment benefit 受保癌症 (2)非傳統治療	$1,200,000 per Policy Year
Annual benefit limit reset 保障限額重置	Once per policy maximum
Cash Benefits
Day surgery cash benefit 指定日間手術現金保障	$1,600 per day
Lower ward class cash benefit 入住私家醫院較低病房級別現金保障	$1,600 per continuous 24 hours
Event Benefits
Compassionate death benefit 恩恤身故賠償	$80,000
Accidental Death benefit 意外身故賠償	$80,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full reimbursement of Eligible Expenses; Coinsurance: 0%R&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible ExpensesR&C
(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
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy):• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• 1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments
(l) 精神科治療
Full reimbursement of Eligible ExpensesR&C

Extra Benefits

Medical implants / prosthetic devices
醫療裝置
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
Private nursing fee (during Confinement)
私家看護費
Full reimbursement of Eligible Expenses, maximum 90 days per Policy Year, up to 2 visits per dayR&C
Hospital companion bed fee reimbursement
住院陪床費
Full reimbursement of Eligible ExpensesR&C
Outpatient kidney dialysis
門診腎臟透析
Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit
出院後私家看護
Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 90 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stayR&C
Post-Confinement / Day Case Procedure auxiliary therapy
出院後 / 日間手術後的額外門診輔助治療
$1,600 per visit, up to 1 per day, maximum 30 visits per Policy Year• Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement• Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses• Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only• as recommended in writing by the attending Registered Medical Practitioner• Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
Chinese Medicine Practitioner outpatient care
手術後 / 日間手術後的中醫門診治療
$800 per visit• Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Reconstructive surgery for specified conditions
指定癌症重建手術
$280,000 per specified cancer surgery
Cancer / cardiac / stroke rehabilitation benefit
復康治療
$88,000 per Policy Year
Organ transplant donor benefit
在生器官捐贈者手術費用
$880,000 per living organ donor surgery
Hospice and palliative care benefit
善終服務
$132,000 per Policy Year
Complications of pregnancy
妊娠併發症
Full reimbursement of Eligible ExpensesR&C
Emergency outpatient treatment for Accident
急症門診護理
Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only)
急症牙齒護理
Full reimbursement of Eligible Expenses within 14 days of the AccidentR&C
Covered cancer non-traditional treatment benefit
受保癌症 (2)非傳統治療
$1,200,000 per Policy Year
Annual benefit limit reset
保障限額重置
Once per policy maximum

Cash Benefits

Day surgery cash benefit
指定日間手術現金保障
$1,600 per day
Lower ward class cash benefit
入住私家醫院較低病房級別現金保障
$1,600 per continuous 24 hours

Event Benefits

Compassionate death benefit
恩恤身故賠償
$80,000
Accidental Death benefit
意外身故賠償
$80,000

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$6,148
1	HK$6,148
2	HK$6,148
3	HK$6,148
4	HK$6,148
5	HK$6,148
6	HK$6,148
7	HK$6,148
8	HK$6,148
9	HK$6,148
10	HK$6,148
11	HK$6,148
12	HK$6,148
13	HK$6,148
14	HK$6,148
15	HK$6,148
16	HK$6,148
17	HK$6,148
18	HK$6,148
19	HK$6,434
20	HK$6,720
21	HK$7,006
22	HK$7,150
23	HK$7,267
24	HK$7,384
25	HK$7,469
26	HK$7,555
27	HK$7,640
28	HK$7,784
29	HK$7,928
30	HK$8,069
31	HK$8,210
32	HK$8,351
33	HK$8,491
34	HK$8,691
35	HK$8,880
36	HK$9,059
37	HK$9,239
38	HK$9,485
39	HK$9,731
40	HK$10,043
41	HK$10,325
42	HK$10,606
43	HK$11,109
44	HK$11,611
45	HK$12,286
46	HK$12,961
47	HK$13,551
48	HK$14,141
49	HK$14,755
50	HK$15,632
51	HK$16,396
52	HK$17,161
53	HK$17,988
54	HK$19,214
55	HK$20,439
56	HK$21,665
57	HK$22,891
58	HK$24,116
59	HK$25,949
60	HK$27,781
61	HK$29,614
62	HK$30,666
63	HK$31,719
64	HK$32,946
65	HK$34,682
66	HK$36,418
67	HK$38,643
68	HK$40,869
69	HK$43,535
70	HK$46,200
71	HK$49,076
72	HK$52,379
73	HK$55,682
74	HK$59,412
75	HK$63,142
76	HK$66,872
77	HK$70,602
78	HK$73,877
79	HK$77,152
80	HK$80,428
81	HK$83,703
82	HK$86,978
83	HK$90,542
84	HK$93,445
85	HK$96,347
86	HK$99,250
87	HK$102,152
88	HK$103,965
89	HK$105,778
90	HK$107,553
91	HK$109,388
92	HK$111,429
93	HK$113,567
94	HK$115,935
95	HK$118,515
96	HK$121,136
97	HK$123,405
98	HK$125,674
99	HK$127,943
100	HK$127,943
101	HK$127,943
102	HK$127,943
103	HK$127,943
104	HK$127,943
105	HK$127,943
106	HK$127,943
107	HK$127,943
108	HK$127,943
109	HK$127,943
110	HK$127,943
111	HK$127,943
112	HK$127,943
113	HK$127,943
114	HK$127,943
115	HK$127,943
116	HK$127,943
117	HK$127,943
118	HK$127,943
119	HK$127,943
120	HK$127,943
121	HK$127,943

Other deductible options in this series

14 deductibles — same benefit schedule, premium scales with deductible

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HK$100K

Current page

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Dec 29, 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.