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Manulife Supreme Lite VHIS Supplementary Benefit - Advance (HKD0 Deductible)

宏利晉逸自願醫保附加保障 - 精選（0 港元自付費）

Manulife Supreme Lite VHIS Supplementary Benefit - 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.

VHIS FlexiF00071-01-000-03

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 or Emergency consultation 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 120 days after discharge from Hospital following 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 or Emergency consultation 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 120 days after discharge from Hospital following 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$7,818
1	HK$7,818
2	HK$7,818
3	HK$7,818
4	HK$7,818
5	HK$7,818
6	HK$7,818
7	HK$7,818
8	HK$7,818
9	HK$7,818
10	HK$7,818
11	HK$7,818
12	HK$7,818
13	HK$7,818
14	HK$7,818
15	HK$7,818
16	HK$7,818
17	HK$7,818
18	HK$7,818
19	HK$8,296
20	HK$8,776
21	HK$9,074
22	HK$9,381
23	HK$9,700
24	HK$10,029
25	HK$10,374
26	HK$11,113
27	HK$11,863
28	HK$12,531
29	HK$13,024
30	HK$13,340
31	HK$13,847
32	HK$14,171
33	HK$14,691
34	HK$15,121
35	HK$15,247
36	HK$15,846
37	HK$16,445
38	HK$16,522
39	HK$16,598
40	HK$16,675
41	HK$17,262
42	HK$17,849
43	HK$18,474
44	HK$19,119
45	HK$19,789
46	HK$21,212
47	HK$22,635
48	HK$23,189
49	HK$23,755
50	HK$24,335
51	HK$25,675
52	HK$27,014
53	HK$28,020
54	HK$28,482
55	HK$28,944
56	HK$31,125
57	HK$33,469
58	HK$35,990
59	HK$37,874
60	HK$39,756
61	HK$43,335
62	HK$47,235
63	HK$51,486
64	HK$56,121
65	HK$61,172
66	HK$66,677
67	HK$72,677
68	HK$74,593
69	HK$77,221
70	HK$79,556
71	HK$86,716
72	HK$93,333
73	HK$98,413
74	HK$102,745
75	HK$104,894
76	HK$111,535
77	HK$119,286
78	HK$122,599
79	HK$126,474
80	HK$128,477
81	HK$131,046
82	HK$133,667
83	HK$136,340
84	HK$139,067
85	HK$141,848
86	HK$144,685
87	HK$147,579
88	HK$150,530
89	HK$153,541
90	HK$156,612
91	HK$159,745
92	HK$162,939
93	HK$166,198
94	HK$169,522
95	HK$172,912
96	HK$176,371
97	HK$179,899
98	HK$183,496
99	HK$187,166
100	HK$187,166
101	HK$187,166
102	HK$187,166
103	HK$187,166
104	HK$187,166
105	HK$187,166
106	HK$187,166
107	HK$187,166
108	HK$187,166
109	HK$187,166
110	HK$187,166
111	HK$187,166
112	HK$187,166
113	HK$187,166
114	HK$187,166
115	HK$187,166
116	HK$187,166
117	HK$187,166
118	HK$187,166
119	HK$187,166
120	HK$187,166
121	HK$187,166

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 Premium table PDF

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

Other deductible options in this series

24 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: 2026-04-20

Manulife Supreme Lite VHIS Supplementary Benefit - Advance (HKD0 Deductible)

Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款