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Voluntary Health Insurance Scheme (VHIS)

Manulife VHIS Health Insurance

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Amid persistant medical inflation, an overwhelmed public medical system, and insufficient group medical coverage, becoming ill could have serious financial consequences.

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.

Apply now to enjoy 10% premium discount for the first policy year.

Manulife Supreme VHIS Flexi Plan

Apply now to enjoy 10% premium discount for the first policy year.

Terms and conditions apply.

Apply now to enjoy 10% premium discount for the first policy year.

Manulife Shelter VHIS Standard Plan /  Manulife First VHIS Flexi Plan

Apply now to enjoy 10% premium discount for the first policy year.

Terms and conditions apply.

How much can a sickness cost?

$45,000¹

Staying in a hosptial may cost you

$12,000²

A CT scan may cost you

$350,000³

Stenting of heart artery may cost you

Why VHIS?

Coverage for unknown pre-existing conditions

Reimburse the eligible medical expenses arising from unknown pre-existing conditions⁴

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?

Join ManulifeMOVE⁵ for free, enjoy premium discount

Achieve specified activity goals and you will enjoy a premium discount of up to 10% in the next policy year when you renew your policy

Health discount

Enjoy a health discount of up to 16% 6,7 if you make no claim for at least 2 consecutive years


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. Act now to be in time for tax deductions for the 2019/20 assessment year! 

Deadline by end of March!  +

Estimate now

More on tax-deductible products

+ To apply for tax deductions for VHIS, the policies must be successfully approved and effective, with the premiums payable duly received by Manulife, on or before March 27, 2020. 


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'.

    More essential details about VHIS

    Learn more about VHIS

    Learn more

    General procedures
    • Product eligibility and underwriting arrangement
    • Migration arrangement for existing customers
    • Administrative rules and eligibility for tax deduction
    • Complaint procedures

    Learn more

    Contacts Manulife (852) 2510 3941

    1. Referencing 2017 survey conducted by the Life Underwriters Association of Hong Kong (LUAHK), published in Insurance & Financial Planning Bimonthly E-Magazine of LUAHK (November & December 2017 Edition) (Chinese version only) on the median expenditure of staying in a private hospital.
    2. According to data from 5 major private hospitals in 2018, abdominal scanning (with contrast injection) can cost up to HKD12,800.
    3. The costs reference to the median charges from 4 major private hospitals in 2017, assuming 1 stent was used in the operation.
    4. 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.
    5. ManulifeMOVE is not part of the VHIS certified plan.
    6. 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.
    7. 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).

    The VHIS Office recently discovered a translation error in the Chinese version of the Schedule of Surgical Procedures of the Certified Plan Policy Template. In the fracture/dislocation section of the Surgical Schedule, “clavicle” on the 8th and 12th items was mistranslated as “scapula” and “scapula” on the 13th item was mistranslated as “clavicle”. Manulife has reviewed and revised the relevant product information of Manulife’s VHIS certified plans upon the VHIS Office’s request, and has revised the Chinese version of the certified plans’ policy provisions accordingly. The English version of the policy provisions is not affected. For any enquiries, please contact Manulife’s service hotline at 2108 1188.

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    The VHIS Office recently discovered a translation error in the Chinese version of the Schedule of Surgical Procedures of the Certified Plan Policy Template. In the fracture/dislocation section of the Surgical Schedule, “clavicle” on the 8th and 12th items was mistranslated as “scapula” and “scapula” on the 13th item was mistranslated as “clavicle”. Manulife has reviewed and revised the relevant product information of Manulife’s VHIS certified plans upon the VHIS Office’s request, and has revised the Chinese version of the certified plans’ policy provisions accordingly. The English version of the policy provisions is not affected. For any enquiries, please contact Manulife’s service hotline at 2108 1188.

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