Manulife Supreme Lite VHIS Supplementary Benefit - Advance (USD0 Deductible)

宏利晉逸自願醫保附加保障 - 精選（0 美元自付費）

Manulife (International) Limited

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Your premium

US$1,668 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

Annual benefit limit

US$1,500,000

Per-illness annual limit

—

Lifetime benefit limit

US$7,500,000

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: $100,000 per Policy Year; other items: $25,000 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	$125 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	$75 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	$25,000 per specified cancer surgery
Cancer / cardiac / stroke rehabilitation benefit 復康治療	$6,250 per Policy Year
Organ transplant donor benefit 在生器官捐贈者手術費用	$80,000 per living organ donor surgery
Hospice and palliative care benefit 善終服務	$10,000 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	$100,000 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	$125 per day
Lower ward class cash benefit 入住私家醫院較低病房級別現金保障	$125 per continuous 24 hours
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000
Accidental Death benefit 意外身故賠償	$10,000

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: $100,000 per Policy Year; other items: $25,000 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
$125 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
$75 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
$25,000 per specified cancer surgery
Cancer / cardiac / stroke rehabilitation benefit
復康治療
$6,250 per Policy Year
Organ transplant donor benefit
在生器官捐贈者手術費用
$80,000 per living organ donor surgery
Hospice and palliative care benefit
善終服務
$10,000 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
$100,000 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
$125 per day
Lower ward class cash benefit
入住私家醫院較低病房級別現金保障
$125 per continuous 24 hours

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000
Accidental Death benefit
意外身故賠償
$10,000

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · USD

Age	Premium
0	US$977
1	US$977
2	US$977
3	US$977
4	US$977
5	US$977
6	US$977
7	US$977
8	US$977
9	US$977
10	US$977
11	US$977
12	US$977
13	US$977
14	US$977
15	US$977
16	US$977
17	US$977
18	US$977
19	US$1,037
20	US$1,097
21	US$1,134
22	US$1,173
23	US$1,213
24	US$1,254
25	US$1,297
26	US$1,389
27	US$1,483
28	US$1,566
29	US$1,628
30	US$1,668
31	US$1,731
32	US$1,771
33	US$1,836
34	US$1,890
35	US$1,906
36	US$1,981
37	US$2,056
38	US$2,065
39	US$2,075
40	US$2,084
41	US$2,158
42	US$2,231
43	US$2,309
44	US$2,390
45	US$2,474
46	US$2,652
47	US$2,829
48	US$2,899
49	US$2,969
50	US$3,042
51	US$3,209
52	US$3,377
53	US$3,503
54	US$3,560
55	US$3,618
56	US$3,891
57	US$4,184
58	US$4,499
59	US$4,734
60	US$4,970
61	US$5,417
62	US$5,904
63	US$6,436
64	US$7,015
65	US$7,647
66	US$8,335
67	US$9,085
68	US$9,324
69	US$9,653
70	US$9,945
71	US$10,840
72	US$11,667
73	US$12,302
74	US$12,843
75	US$13,112
76	US$13,942
77	US$14,911
78	US$15,325
79	US$15,809
80	US$16,060
81	US$16,381
82	US$16,708
83	US$17,043
84	US$17,383
85	US$17,731
86	US$18,086
87	US$18,447
88	US$18,816
89	US$19,193
90	US$19,577
91	US$19,968
92	US$20,367
93	US$20,775
94	US$21,190
95	US$21,614
96	US$22,046
97	US$22,487
98	US$22,937
99	US$23,396
100	US$23,396
101	US$23,396
102	US$23,396
103	US$23,396
104	US$23,396
105	US$23,396
106	US$23,396
107	US$23,396
108	US$23,396
109	US$23,396
110	US$23,396
111	US$23,396
112	US$23,396
113	US$23,396
114	US$23,396
115	US$23,396
116	US$23,396
117	US$23,396
118	US$23,396
119	US$23,396
120	US$23,396
121	US$23,396

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.