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
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$13,340 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$1,668/yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$9,804 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$1,226/yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$26,591 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$3,324/yr
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Deductible
3,125 USD deductible
Entry premium (Age 30 any gender)
US$656/yr
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Deductible
3,125 USD deductible
Entry premium (Age 30 any gender)
US$542/yr
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Deductible
3,125 USD deductible
Entry premium (Age 30 any gender)
US$1,466/yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,251 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,332 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$11,725 /yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$544/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$343/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$1,102/yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,349 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,740 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,812 /yr
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Deductible
12,500 USD deductible
Entry premium (Age 30 any gender)
US$417/yr
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Deductible
12,500 USD deductible
Entry premium (Age 30 any gender)
US$281/yr
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Deductible
12,500 USD deductible
Entry premium (Age 30 any gender)
US$877/yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,332 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,249 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,017 /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