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

宏利晉逸自願醫保附加保障 - 優選 (0 港元自付費)

Manulife (International) Limited

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Your premium

HK$26,591 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

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, 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 performed during ConfinementR&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, 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 performed during ConfinementR&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$20,371
1	HK$20,371
2	HK$20,371
3	HK$20,371
4	HK$20,371
5	HK$20,371
6	HK$20,371
7	HK$20,371
8	HK$20,371
9	HK$20,371
10	HK$20,371
11	HK$20,371
12	HK$20,371
13	HK$20,371
14	HK$20,371
15	HK$20,371
16	HK$20,371
17	HK$20,371
18	HK$20,371
19	HK$20,891
20	HK$21,412
21	HK$21,933
22	HK$22,453
23	HK$22,974
24	HK$23,494
25	HK$24,015
26	HK$24,371
27	HK$24,727
28	HK$25,348
29	HK$25,969
30	HK$26,591
31	HK$27,212
32	HK$27,832
33	HK$28,452
34	HK$29,071
35	HK$29,691
36	HK$30,194
37	HK$30,896
38	HK$31,598
39	HK$32,478
40	HK$33,357
41	HK$34,237
42	HK$35,302
43	HK$36,738
44	HK$38,409
45	HK$40,637
46	HK$42,852
47	HK$44,424
48	HK$45,997
49	HK$47,569
50	HK$49,142
51	HK$51,171
52	HK$54,341
53	HK$57,711
54	HK$61,285
55	HK$65,738
56	HK$69,363
57	HK$73,525
58	HK$77,936
59	HK$82,612
60	HK$87,569
61	HK$92,823
62	HK$97,928
63	HK$103,314
64	HK$108,997
65	HK$114,992
66	HK$120,741
67	HK$126,778
68	HK$133,117
69	HK$139,773
70	HK$146,762
71	HK$153,381
72	HK$161,173
73	HK$168,951
74	HK$176,675
75	HK$184,746
76	HK$193,528
77	HK$202,717
78	HK$212,332
79	HK$222,391
80	HK$232,355
81	HK$242,170
82	HK$252,386
83	HK$261,751
84	HK$271,450
85	HK$280,599
86	HK$289,846
87	HK$297,628
88	HK$303,580
89	HK$309,652
90	HK$315,846
91	HK$322,164
92	HK$328,606
93	HK$335,178
94	HK$341,883
95	HK$348,718
96	HK$355,694
97	HK$362,808
98	HK$370,063
99	HK$377,466
100	HK$377,466
101	HK$377,466
102	HK$377,466
103	HK$377,466
104	HK$377,466
105	HK$377,466
106	HK$377,466
107	HK$377,466
108	HK$377,466
109	HK$377,466
110	HK$377,466
111	HK$377,466
112	HK$377,466
113	HK$377,466
114	HK$377,466
115	HK$377,466
116	HK$377,466
117	HK$377,466
118	HK$377,466
119	HK$377,466
120	HK$377,466
121	HK$377,466

Other deductible options in this series

24 deductibles — same benefit schedule, premium scales with deductible

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.