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Manulife Supreme VHIS Flexi Plan - Advance (HKD0 Deductible)
宏利晉悅自願醫保靈活計劃 - 精選（0 港元自付費）
Manulife (International) Limited
Manulife Supreme VHIS Flexi Plan - Advance (HKD0 Deductible) is a VHIS Flexi plan offered by Manulife (International) Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage, HK$12,000,000 annual benefit limit and no deductible (HK$0). Latest plan-document version: Dec 29, 2025.
Your premium
HK$16,437 /yr
age
HK$Plan at a glance
- Ward class
- Semi-Private Room
- Coverage region
- Asia incl. AU/NZ
- Deductible
- $0
- Annual benefit limit
- HK$12,000,000
- Per-illness annual limit
- —
- Lifetime benefit limit
- HK$60,000,000
- 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 Procedure• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure• All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure)Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy:• Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)R&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 30 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 |
Home nursing 出院後私家看護 | Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 30 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 | $1,000 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 | $600 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 | $200,000 per specified cancer surgery |
Rehabilitation benefit 復康治療 | $50,000 per Policy Year |
Organ transplant donor benefit 在生器官捐贈者手術費用 | $640,000 per living organ donor surgery |
Hospice and palliative care benefit 善終服務 | $80,000 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 | $800,000 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 | $1,000 per day |
Lower ward class cash benefit 入住私家醫院較低病房級別現金保障 | $1,000 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 Procedure• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure• All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure)Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy:• Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)R&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 30 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
- Home nursing出院後私家看護Full reimbursement of Eligible Expenses• Up to 2 visits per day, maximum 30 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$1,000 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$600 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$200,000 per specified cancer surgery
- Rehabilitation benefit復康治療$50,000 per Policy Year
- Organ transplant donor benefit在生器官捐贈者手術費用$640,000 per living organ donor surgery
- Hospice and palliative care benefit善終服務$80,000 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$800,000 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$1,000 per day
- Lower ward class cash benefit入住私家醫院較低病房級別現金保障$1,000 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$12,099 |
| 5 | HK$12,099 |
| 10 | HK$12,099 |
| 15 | HK$12,099 |
| 20 | HK$13,398 |
| 25 | HK$14,842 |
| 30 | HK$16,437 |
| 35 | HK$18,207 |
| 40 | HK$20,328 |
| 45 | HK$24,729 |
| 50 | HK$29,940 |
| 55 | HK$40,442 |
| 60 | HK$54,626 |
| 65 | HK$73,790 |
| 70 | HK$93,080 |
| 75 | HK$119,056 |
| 80 | HK$145,629 |
| 85 | HK$165,842 |
| 90 | HK$191,675 |
| 95 | HK$220,922 |
| 100 | HK$248,191 |
| 105 | HK$254,458 |
| 110 | HK$260,884 |
| 115 | HK$267,471 |
| 120 | HK$274,226 |
| 121 | HK$274,226 |
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)
This site's licensed insurance agent can only arrange FWD plans.
Other deductible options in this series
14 deductibles — same benefit schedule, premium scales with deductible
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
- Dec 29, 2025
- Plan data updated
- 2026-04-25