Important Notice

Manulife (International) Limited would like to alert the public to be vigilant about any suspicious phone calls, emails, websites, apps, etc. allegedly related to Manulife. If you have any doubt, please contact us at (852) 2108 1188 or by email at for assistance.

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Important Notice

Manulife (International) Limited would like to alert the public to be vigilant about any suspicious phone calls, emails, websites, apps, etc. allegedly related to Manulife. If you have any doubt, please contact us at (852) 2108 1188 or by email at for assistance.

View more
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Voluntary Health Insurance Scheme (VHIS)

McDull Manulife VHIS Voluntary Health Insurance Scheme

With demand for public medical services constantly on the rise, the waiting lists for surgery and hospital admission are getting longer and longer. Manulife VHIS gives you the option of getting treatment at a private hospital, where you can choose your doctor and don’t have to wait. So you can get more medical options much sooner, and get well soon.

As a registered provider of Voluntary Health Insurance Scheme (VHIS) certified Standard Plan and Flexi Plan (Company Registration Number: 00034, with Registration Effective Date: February 28, 2019), Manulife brings you VHIS certified plans to help take care of the protection needs for yourself and your family.

The content of this website does not contain the full terms of the policy(ies), and the full terms can be found in the policy document(s).

Limited Offer

Apply for designated plan to enjoy 20% premium discount for the first policy year!

Limited Offer


Coverage for unknown pre-existing conditions

Reimburse the eligible medical expenses arising from unknown pre-existing conditions1

Tax Saving

Tax deduction of up to HKD8,000 per insured person per year, with no limits on the number of insured persons!

Guaranteed renewal

Once the policy becomes effective, renewal will be guaranteed to age 100 for our standard plan and lifetime for our flexi plans, regardless of any change in health condition

Why Manulife's VHIS?

Health discount

Enjoy a health discount of up to 16% 3,4 if you make no claim for at least 2 consecutive years

Join ManulifeMOVE2 for free, enjoy premium discount

Achieve specified average daily step target, and you will enjoy a premium discount of up to 10% upon policy renewal for the next membership year.

9 advantages after migrating to a Manulife's VHIS policy

Tax savings calculator

Premiums paid for you and your dependents can be applied for tax deduction up to HKD8,000 per insured person per year. There is no upper limit on the number of dependents eligible for tax deduction. 

Estimate now

More on tax-deductible products

Already a Manulife customer?

Existing Medical Insurance customers can enjoy the offer upon migration to a VHIS certified plan.

Learn more about the offer

Login to my Manulife account

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    Standard plan VS Flexi plan?

    Choose a Manulife VHIS plan suitable for you

    Protection needs vary from person to person. Manulife provides you with the flexibility to choose the coverage that best meets needs of you and your loved one.

    The list of Manulife VHIS certified plans and respective certification number is available on Question 8 under 'Learn more about VHIS'.

    Contacts Manulife (852) 2510 3941

    1. Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is the earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where - (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. The Company may impose case-based exclusion(s) to the pre-existing condition(s) notified to the Company in the application for the plan and any subsequent information or document submitted to the Company for the purpose of the application.
      Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Please refer to the policy provisions for the full terms and conditions.
    2. ManulifeMOVE is not part of the VHIS certified plan.
    3. In the event that any benefit under the policy for a policy year that falls in the no claim period becomes payable after the health discount has been applied to the premium, the health discount shall be recalculated for all policy years subsequent to such benefit. The policy holder shall repay to the Company the difference between the health discount actually provided by the Company and the recalculated health discount to be entitled immediately upon the Company's demand. The aforesaid description and the health discount table are for general information only. You should read the policy provisions for exactly how the health discount is calculated and given.
    4. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any).