Manulife Supreme Lite VHIS Supplementary Benefit - Smart (HKD25,000 Deductible)

宏利晉逸自願醫保附加保障 - 智選（25,000 港元自付費）

Manulife (International) Limited

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Your premium

HK$4,332 /yr

age

Ward class

Ward

Coverage region

Asia incl. AU/NZ

Deductible

HK$25,000

Annual benefit limit

HK$5,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$20,000,000

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
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 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
Cancer / cardiac / stroke 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
Covered cancer non-traditional treatment benefit 受保癌症 (2)非傳統治療	$800,000 per Policy Year
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
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
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
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 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
Cancer / cardiac / stroke 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
Covered cancer non-traditional treatment benefit
受保癌症 (2)非傳統治療
$800,000 per Policy Year
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
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

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$2,957
1	HK$2,957
2	HK$2,957
3	HK$2,957
4	HK$2,957
5	HK$2,957
6	HK$2,957
7	HK$2,957
8	HK$2,957
9	HK$2,957
10	HK$2,957
11	HK$2,957
12	HK$2,957
13	HK$2,957
14	HK$2,957
15	HK$2,957
16	HK$2,957
17	HK$2,957
18	HK$2,957
19	HK$3,007
20	HK$3,059
21	HK$3,149
22	HK$3,243
23	HK$3,339
24	HK$3,438
25	HK$3,540
26	HK$3,707
27	HK$4,026
28	HK$4,195
29	HK$4,322
30	HK$4,332
31	HK$4,480
32	HK$4,679
33	HK$4,881
34	HK$5,001
35	HK$5,064
36	HK$5,203
37	HK$5,404
38	HK$5,434
39	HK$5,465
40	HK$5,494
41	HK$5,734
42	HK$5,972
43	HK$6,161
44	HK$6,356
45	HK$6,557
46	HK$7,147
47	HK$7,745
48	HK$7,870
49	HK$7,997
50	HK$8,125
51	HK$8,585
52	HK$9,044
53	HK$9,689
54	HK$9,774
55	HK$9,860
56	HK$10,654
57	HK$11,511
58	HK$12,437
59	HK$13,050
60	HK$13,662
61	HK$14,892
62	HK$16,232
63	HK$17,694
64	HK$19,285
65	HK$21,021
66	HK$22,913
67	HK$24,928
68	HK$25,646
69	HK$26,617
70	HK$27,505
71	HK$29,981
72	HK$31,875
73	HK$33,613
74	HK$35,224
75	HK$36,198
76	HK$38,065
77	HK$40,717
78	HK$41,509
79	HK$43,904
80	HK$44,884
81	HK$45,783
82	HK$46,698
83	HK$47,631
84	HK$48,585
85	HK$49,556
86	HK$50,549
87	HK$51,559
88	HK$52,590
89	HK$53,642
90	HK$54,714
91	HK$55,808
92	HK$56,926
93	HK$58,063
94	HK$59,225
95	HK$60,409
96	HK$61,618
97	HK$62,850
98	HK$64,107
99	HK$65,389
100	HK$65,389
101	HK$65,389
102	HK$65,389
103	HK$65,389
104	HK$65,389
105	HK$65,389
106	HK$65,389
107	HK$65,389
108	HK$65,389
109	HK$65,389
110	HK$65,389
111	HK$65,389
112	HK$65,389
113	HK$65,389
114	HK$65,389
115	HK$65,389
116	HK$65,389
117	HK$65,389
118	HK$65,389
119	HK$65,389
120	HK$65,389
121	HK$65,389

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: 2026-04-20

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.