Manulife Supreme Lite VHIS Supplementary Benefit - Deluxe (HKD50,000 Deductible)

宏利晉逸自願醫保附加保障 - 優選 (50,000 港元自付費)

Manulife (International) Limited

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Your premium

HK$8,812 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$50,000

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$6,892
1	HK$6,892
2	HK$6,892
3	HK$6,892
4	HK$6,892
5	HK$6,892
6	HK$6,892
7	HK$6,892
8	HK$6,892
9	HK$6,892
10	HK$6,892
11	HK$6,892
12	HK$6,892
13	HK$6,892
14	HK$6,892
15	HK$6,892
16	HK$6,892
17	HK$6,892
18	HK$6,892
19	HK$6,999
20	HK$7,106
21	HK$7,213
22	HK$7,320
23	HK$7,539
24	HK$7,725
25	HK$7,941
26	HK$8,093
27	HK$8,245
28	HK$8,428
29	HK$8,611
30	HK$8,812
31	HK$8,988
32	HK$9,213
33	HK$9,490
34	HK$9,822
35	HK$10,215
36	HK$10,722
37	HK$11,230
38	HK$11,748
39	HK$12,289
40	HK$12,631
41	HK$12,973
42	HK$13,507
43	HK$14,040
44	HK$14,574
45	HK$15,108
46	HK$15,640
47	HK$16,187
48	HK$16,911
49	HK$17,579
50	HK$18,129
51	HK$18,973
52	HK$19,817
53	HK$20,661
54	HK$22,014
55	HK$23,733
56	HK$25,324
57	HK$27,080
58	HK$29,097
59	HK$31,324
60	HK$33,170
61	HK$35,030
62	HK$36,994
63	HK$38,899
64	HK$40,978
65	HK$43,185
66	HK$45,424
67	HK$47,828
68	HK$50,370
69	HK$52,999
70	HK$55,728
71	HK$58,603
72	HK$61,420
73	HK$64,211
74	HK$67,024
75	HK$69,886
76	HK$72,780
77	HK$76,488
78	HK$80,196
79	HK$83,904
80	HK$87,612
81	HK$91,153
82	HK$94,695
83	HK$98,236
84	HK$101,777
85	HK$104,439
86	HK$107,100
87	HK$108,882
88	HK$110,664
89	HK$112,446
90	HK$114,334
91	HK$116,284
92	HK$118,454
93	HK$120,726
94	HK$123,242
95	HK$125,985
96	HK$128,771
97	HK$131,184
98	HK$133,597
99	HK$136,010
100	HK$136,010
101	HK$136,010
102	HK$136,010
103	HK$136,010
104	HK$136,010
105	HK$136,010
106	HK$136,010
107	HK$136,010
108	HK$136,010
109	HK$136,010
110	HK$136,010
111	HK$136,010
112	HK$136,010
113	HK$136,010
114	HK$136,010
115	HK$136,010
116	HK$136,010
117	HK$136,010
118	HK$136,010
119	HK$136,010
120	HK$136,010
121	HK$136,010

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.