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VHIS Plan

Manulife Supreme Lite VHIS Supplementary Benefit

宏利晉逸自願醫保附加保障

Manulife (International) Limited·24 plan options

VHIS Flexi

Manulife Supreme Lite VHIS Supplementary Benefit 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

24 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$13,340 /yr

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Plan option

Advance (USD0 Deductible)

Deductible USD 0 deductible

Entry premium (Age 30 any gender)

US$1,668/yr

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Plan option

Smart (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$9,804 /yr

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Plan option

Smart (USD0 Deductible)

Deductible USD 0 deductible

Entry premium (Age 30 any gender)

US$1,226/yr

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Plan option

Deluxe (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$26,591 /yr

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Plan option

Deluxe (USD0 Deductible)

Deductible USD 0 deductible

Entry premium (Age 30 any gender)

US$3,324/yr

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Plan option

Advance (USD3,125 Deductible)

Deductible 3,125 USD deductible

Entry premium (Age 30 any gender)

US$656/yr

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Plan option

Smart (USD3,125 Deductible)

Deductible 3,125 USD deductible

Entry premium (Age 30 any gender)

US$542/yr

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Plan option

Deluxe (USD3,125 Deductible)

Deductible 3,125 USD deductible

Entry premium (Age 30 any gender)

US$1,466/yr

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Plan option

Advance (HKD25,000 Deductible)

Deductible 25,000 HKD deductible

Entry premium (Age 30 any gender)

HK$5,251 /yr

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Plan option

Smart (HKD25,000 Deductible)

Deductible 25,000 HKD deductible

Entry premium (Age 30 any gender)

HK$4,332 /yr

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Plan option

Deluxe (HKD25,000 Deductible)

Deductible 25,000 HKD deductible

Entry premium (Age 30 any gender)

HK$11,725 /yr

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Plan option

Advance (USD6,250 Deductible)

Deductible 6,250 USD deductible

Entry premium (Age 30 any gender)

US$544/yr

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Plan option

Smart (USD6,250 Deductible)

Deductible 6,250 USD deductible

Entry premium (Age 30 any gender)

US$343/yr

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Plan option

Deluxe (USD6,250 Deductible)

Deductible 6,250 USD deductible

Entry premium (Age 30 any gender)

US$1,102/yr

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Plan option

Advance (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$4,349 /yr

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Plan option

Smart (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,740 /yr

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Plan option

Deluxe (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$8,812 /yr

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Plan option

Advance (USD12,500 Deductible)

Deductible 12,500 USD deductible

Entry premium (Age 30 any gender)

US$417/yr

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Plan option

Smart (USD12,500 Deductible)

Deductible 12,500 USD deductible

Entry premium (Age 30 any gender)

US$281/yr

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Plan option

Deluxe (USD12,500 Deductible)

Deductible 12,500 USD deductible

Entry premium (Age 30 any gender)

US$877/yr

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Plan option

Advance (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$3,332 /yr

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Plan option

Smart (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,249 /yr

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Plan option

Deluxe (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$7,017 /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$7,818	HK$7,818	HK$8,776	HK$13,340	HK$16,675	HK$24,335	HK$39,756	HK$79,556	HK$128,477
Advance (USD0 Deductible)Deductible USD 0 deductible	US$977	US$977	US$1,097	US$1,668	US$2,084	US$3,042	US$4,970	US$9,945	US$16,060
Smart (HKD0 Deductible)Deductible HKD 0 deductible	HK$6,253	HK$6,253	HK$6,801	HK$9,804	HK$11,672	HK$17,277	HK$28,824	HK$55,688	HK$96,356
Smart (USD0 Deductible)Deductible USD 0 deductible	US$782	US$782	US$850	US$1,226	US$1,459	US$2,160	US$3,603	US$6,961	US$12,045
Deluxe (HKD0 Deductible)Deductible HKD 0 deductible	HK$20,371	HK$20,371	HK$21,412	HK$26,591	HK$33,357	HK$49,142	HK$87,569	HK$146,762	HK$232,355
Deluxe (USD0 Deductible)Deductible USD 0 deductible	US$2,546	US$2,546	US$2,677	US$3,324	US$4,170	US$6,143	US$10,946	US$18,345	US$29,044
Advance (USD3,125 Deductible)Deductible 3,125 USD deductible	US$411	US$411	US$425	US$656	US$848	US$1,254	US$2,109	US$4,245	US$7,013
Smart (USD3,125 Deductible)Deductible 3,125 USD deductible	US$370	US$370	US$382	US$542	US$687	US$1,016	US$1,708	US$3,438	US$5,611
Deluxe (USD3,125 Deductible)Deductible 3,125 USD deductible	US$1,061	US$1,061	US$1,140	US$1,466	US$1,938	US$2,780	US$4,901	US$8,994	US$12,903
Advance (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$3,286	HK$3,286	HK$3,399	HK$5,251	HK$6,785	HK$10,032	HK$16,869	HK$33,958	HK$56,107
Smart (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$2,957	HK$2,957	HK$3,059	HK$4,332	HK$5,494	HK$8,125	HK$13,662	HK$27,505	HK$44,884
Deluxe (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$8,489	HK$8,489	HK$9,120	HK$11,725	HK$15,500	HK$22,240	HK$39,208	HK$71,955	HK$103,223
Advance (USD6,250 Deductible)Deductible 6,250 USD deductible	US$346	US$346	US$375	US$544	US$657	US$1,057	US$1,737	US$3,188	US$5,165
Smart (USD6,250 Deductible)Deductible 6,250 USD deductible	US$260	US$260	US$281	US$343	US$411	US$687	US$1,129	US$2,417	US$4,132
Deluxe (USD6,250 Deductible)Deductible 6,250 USD deductible	US$862	US$862	US$888	US$1,102	US$1,579	US$2,266	US$4,146	US$6,966	US$10,952
Advance (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,770	HK$2,770	HK$2,998	HK$4,349	HK$5,258	HK$8,456	HK$13,892	HK$25,500	HK$41,316
Smart (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,077	HK$2,077	HK$2,248	HK$2,740	HK$3,285	HK$5,495	HK$9,029	HK$19,337	HK$33,052
Deluxe (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$6,892	HK$6,892	HK$7,106	HK$8,812	HK$12,631	HK$18,129	HK$33,170	HK$55,728	HK$87,612
Advance (USD12,500 Deductible)Deductible 12,500 USD deductible	US$299	US$299	US$309	US$417	US$518	US$875	US$1,399	US$2,509	US$4,145
Smart (USD12,500 Deductible)Deductible 12,500 USD deductible	US$233	US$233	US$236	US$281	US$349	US$590	US$924	US$2,045	US$3,378
Deluxe (USD12,500 Deductible)Deductible 12,500 USD deductible	US$664	US$664	US$687	US$877	US$1,141	US$1,804	US$3,136	US$5,486	US$9,551
Advance (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,388	HK$2,388	HK$2,469	HK$3,332	HK$4,141	HK$6,999	HK$11,195	HK$20,070	HK$33,162
Smart (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$1,862	HK$1,862	HK$1,889	HK$2,249	HK$2,794	HK$4,722	HK$7,388	HK$16,356	HK$27,025
Deluxe (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$5,310	HK$5,310	HK$5,499	HK$7,017	HK$9,130	HK$14,432	HK$25,088	HK$43,890	HK$76,406

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$7,818	HK$7,818	HK$8,776	HK$13,340	HK$16,675	HK$24,335	HK$39,756	HK$79,556	HK$128,477
Advance (USD0 Deductible)Deductible USD 0 deductible	US$977	US$977	US$1,097	US$1,668	US$2,084	US$3,042	US$4,970	US$9,945	US$16,060
Smart (HKD0 Deductible)Deductible HKD 0 deductible	HK$6,253	HK$6,253	HK$6,801	HK$9,804	HK$11,672	HK$17,277	HK$28,824	HK$55,688	HK$96,356
Smart (USD0 Deductible)Deductible USD 0 deductible	US$782	US$782	US$850	US$1,226	US$1,459	US$2,160	US$3,603	US$6,961	US$12,045
Deluxe (HKD0 Deductible)Deductible HKD 0 deductible	HK$20,371	HK$20,371	HK$21,412	HK$26,591	HK$33,357	HK$49,142	HK$87,569	HK$146,762	HK$232,355
Deluxe (USD0 Deductible)Deductible USD 0 deductible	US$2,546	US$2,546	US$2,677	US$3,324	US$4,170	US$6,143	US$10,946	US$18,345	US$29,044
Advance (USD3,125 Deductible)Deductible 3,125 USD deductible	US$411	US$411	US$425	US$656	US$848	US$1,254	US$2,109	US$4,245	US$7,013
Smart (USD3,125 Deductible)Deductible 3,125 USD deductible	US$370	US$370	US$382	US$542	US$687	US$1,016	US$1,708	US$3,438	US$5,611
Deluxe (USD3,125 Deductible)Deductible 3,125 USD deductible	US$1,061	US$1,061	US$1,140	US$1,466	US$1,938	US$2,780	US$4,901	US$8,994	US$12,903
Advance (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$3,286	HK$3,286	HK$3,399	HK$5,251	HK$6,785	HK$10,032	HK$16,869	HK$33,958	HK$56,107
Smart (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$2,957	HK$2,957	HK$3,059	HK$4,332	HK$5,494	HK$8,125	HK$13,662	HK$27,505	HK$44,884
Deluxe (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$8,489	HK$8,489	HK$9,120	HK$11,725	HK$15,500	HK$22,240	HK$39,208	HK$71,955	HK$103,223
Advance (USD6,250 Deductible)Deductible 6,250 USD deductible	US$346	US$346	US$375	US$544	US$657	US$1,057	US$1,737	US$3,188	US$5,165
Smart (USD6,250 Deductible)Deductible 6,250 USD deductible	US$260	US$260	US$281	US$343	US$411	US$687	US$1,129	US$2,417	US$4,132
Deluxe (USD6,250 Deductible)Deductible 6,250 USD deductible	US$862	US$862	US$888	US$1,102	US$1,579	US$2,266	US$4,146	US$6,966	US$10,952
Advance (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,770	HK$2,770	HK$2,998	HK$4,349	HK$5,258	HK$8,456	HK$13,892	HK$25,500	HK$41,316
Smart (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,077	HK$2,077	HK$2,248	HK$2,740	HK$3,285	HK$5,495	HK$9,029	HK$19,337	HK$33,052
Deluxe (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$6,892	HK$6,892	HK$7,106	HK$8,812	HK$12,631	HK$18,129	HK$33,170	HK$55,728	HK$87,612
Advance (USD12,500 Deductible)Deductible 12,500 USD deductible	US$299	US$299	US$309	US$417	US$518	US$875	US$1,399	US$2,509	US$4,145
Smart (USD12,500 Deductible)Deductible 12,500 USD deductible	US$233	US$233	US$236	US$281	US$349	US$590	US$924	US$2,045	US$3,378
Deluxe (USD12,500 Deductible)Deductible 12,500 USD deductible	US$664	US$664	US$687	US$877	US$1,141	US$1,804	US$3,136	US$5,486	US$9,551
Advance (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,388	HK$2,388	HK$2,469	HK$3,332	HK$4,141	HK$6,999	HK$11,195	HK$20,070	HK$33,162
Smart (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$1,862	HK$1,862	HK$1,889	HK$2,249	HK$2,794	HK$4,722	HK$7,388	HK$16,356	HK$27,025
Deluxe (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$5,310	HK$5,310	HK$5,499	HK$7,017	HK$9,130	HK$14,432	HK$25,088	HK$43,890	HK$76,406

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