Manulife Shelter VHIS Standard Plan

宏利愛守護自願醫保標準計劃

Manulife Shelter VHIS Standard Plan is a VHIS Standard plan offered by Manulife (International) Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Jun 29, 2026.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$2,019 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(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	$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Cash Benefits
Second-claim cash allowanceAfter other pays 特別獎賞	$150 per day of Confinement, maximum 180 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000 per policy
Accidental Death benefit 意外身故賠償	$10,000 per policy
Medical accident and incident extension benefit 醫療事故身故賠償	$100,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(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
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Cash Benefits

Second-claim cash allowanceAfter other pays
特別獎賞
$150 per day of Confinement, maximum 180 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000 per policy
Accidental Death benefit
意外身故賠償
$10,000 per policy
Medical accident and incident extension benefit
醫療事故身故賠償
$100,000 per policy

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$2,284	HK$2,372
1	HK$2,152	HK$2,242
2	HK$2,009	HK$2,103
3	HK$1,889	HK$1,989
4	HK$1,778	HK$1,881
5	HK$1,665	HK$1,773
6	HK$1,556	HK$1,669
7	HK$1,466	HK$1,569
8	HK$1,378	HK$1,467
9	HK$1,293	HK$1,362
10	HK$1,254	HK$1,324
11	HK$1,232	HK$1,297
12	HK$1,206	HK$1,271
13	HK$1,180	HK$1,248
14	HK$1,158	HK$1,359
15	HK$1,180	HK$1,388
16	HK$1,206	HK$1,417
17	HK$1,232	HK$1,443
18	HK$1,335	HK$1,542
19	HK$1,442	HK$1,639
20	HK$1,554	HK$1,742
21	HK$1,665	HK$1,844
22	HK$1,762	HK$1,950
23	HK$1,828	HK$2,023
24	HK$1,853	HK$2,098
25	HK$1,873	HK$2,174
26	HK$1,916	HK$2,230
27	HK$1,951	HK$2,269
28	HK$1,978	HK$2,332
29	HK$2,004	HK$2,416
30	HK$2,019	HK$2,527
31	HK$2,050	HK$2,660
32	HK$2,080	HK$2,779
33	HK$2,183	HK$2,891
34	HK$2,231	HK$3,023
35	HK$2,290	HK$3,130
36	HK$2,354	HK$3,250
37	HK$2,427	HK$3,364
38	HK$2,501	HK$3,484
39	HK$2,578	HK$3,608
40	HK$2,655	HK$3,749
41	HK$2,745	HK$3,868
42	HK$2,834	HK$4,000
43	HK$2,925	HK$4,147
44	HK$3,016	HK$4,305
45	HK$3,197	HK$4,492
46	HK$3,372	HK$4,648
47	HK$3,544	HK$4,789
48	HK$3,719	HK$4,907
49	HK$3,895	HK$5,005
50	HK$4,076	HK$5,084
51	HK$4,249	HK$5,145
52	HK$4,538	HK$5,186
53	HK$4,803	HK$5,240
54	HK$5,040	HK$5,302
55	HK$5,267	HK$5,433
56	HK$5,474	HK$5,552
57	HK$5,682	HK$5,716
58	HK$5,929	HK$5,912
59	HK$6,228	HK$6,143
60	HK$6,588	HK$6,418
61	HK$7,140	HK$6,837
62	HK$7,563	HK$7,283
63	HK$7,998	HK$7,728
64	HK$8,458	HK$8,175
65	HK$9,009	HK$8,639
66	HK$9,416	HK$8,900
67	HK$9,830	HK$9,252
68	HK$10,254	HK$9,644
69	HK$10,698	HK$10,073
70	HK$11,156	HK$10,543
71	HK$11,642	HK$11,026
72	HK$12,155	HK$11,527
73	HK$12,685	HK$12,092
74	HK$13,117	HK$12,545
75	HK$13,513	HK$13,003
76	HK$14,080	HK$13,629
77	HK$14,655	HK$14,259
78	HK$15,234	HK$14,893
79	HK$15,812	HK$15,535
80	HK$16,472	HK$16,254
81	HK$16,969	HK$16,810
82	HK$17,419	HK$17,317
83	HK$17,795	HK$17,750
84	HK$18,162	HK$18,177
85	HK$18,400	HK$18,415
86	HK$18,639	HK$18,654
87	HK$18,883	HK$18,898
88	HK$19,129	HK$19,143
89	HK$19,377	HK$19,394
90	HK$19,628	HK$19,644
91	HK$19,883	HK$19,900
92	HK$20,140	HK$20,156
93	HK$20,398	HK$20,415
94	HK$20,662	HK$20,677
95	HK$20,926	HK$20,942
96	HK$21,195	HK$21,211
97	HK$21,465	HK$21,481
98	HK$21,740	HK$21,754
99	HK$22,018	HK$22,033
100	HK$22,301	HK$22,315

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jun 29, 2026
Last verified: 2026-06-30