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Product Eligibility and Underwriting Arrangement

Product Eligibility

  • (Proposed) Insured person must be a HKID card holder (other document which showing the right of adobe in HK will also be accepted)
  • (Proposed) Insured person's age must be from age 0 (at least 15 days) to age 80 (based on attained age)
  • Only single policy holder per policy is acceptable
  • Policy holder may be the insured person or a different individual
  • Business applicant as policy holder is not acceptable

 

Underwriting Arrangement

Application for a VHIS policy is subject to underwriting. Manulife may offer standard rate, impose additional premium and/or apply case-based exclusion(s) or decline the application based on the following factors, material facts and information of the proposed insured person:

  • Occupation classes
  • Place(s) of residence
  • Medical history, conditions and evidences
  • Other information such as past insurance history

Migration Arrangement for existing customers

If you are the policy holder of any one of the medical protection insurance plans/benefits below, you can choose to migrate your existing plan/benefit ("Original Coverage") to our VHIS certified plans via the migration programs offered by us, through which you may migrate to a VHIS certified plan without re-underwriting. For further details regarding the migration arrangement, please contact your Financial Advisor or call our Customer Service Hotline at (852) 2510 3941.

Medical Protection Insurance Plan(s) / Benefit(s) entitled for migration ("Applicable Plan(s)")

  • ManuGuard Medical Plan / Benefit
  • Hospital Protector / Benefit
  • I'mWell
  • Golden Lifestyle Hospital Benefit
  • Premier Life Hospital Benefit
  • ManuMaster Healthcare Series / Benefit
  • ManuShine Healthcare Series / Benefit
  • Follow Me
  • ManuEnrich Medical Top-up Plan

Remarks:

  • The Original Coverage must be issued before 1 April 20191 and be inforce at the time of migration.
  • To participate in our migration programs, the proposed insured person’s Original Coverage must be a policy of an Applicable Plan and the application is subject to VHIS Product’s product eligibility and underwriting requirements.
  • The special arrangements of VHIS Migration Program for Manulife Shelter VHIS Standard Plan or Manulife First VHIS Flexi Plan are applicable to migration application that has been successfully submitted from April 1, 2019 to October 31, 2020 (both dates inclusive). The VHIS Policy must be successfully issued within 3 months following the submission date of the VHIS migration application.
  • The special arrangements of Manulife Supreme VHIS Migration Program for Manulife Supreme VHIS Flexi Plan are applicable to migration application2 that has been successfully submitted from February 17, 2020 to July 31, 2021 (both dates inclusive). The VHIS Policy must be successfully issued within 3 months following the submission date of the VHIS migration application.

1Except for ManuMaster Healthcare Series/Benefit and ManuShine Healthcare Series/Benefit policies issued before February 17, 2020, where policy holders can choose to migrate such Original Coverage to Manulife Supreme VHIS Flexi Plan through the Manulife Supreme VHIS Migration Program.

2Only applicable to ManuMaster Healthcare Series/Benefit and ManuShine Healthcare Series/Benefit policies issued before February 17, 2020.

Administrative rules and eligibility for tax deduction

Transfer of Policy Ownership

The policy holder may request for the Transfer of Policy Ownership after the VHIS policy is issued. Transfer of Policy Ownership can be applied once per year. The policy holder should contact us for the details of the terms and conditions and the applicable forms to be filled in.

Eligibility for Tax Deduction

In order to be qualify for claiming tax deduction, the following requirements shall be met:

  • The policy providing coverage should be a certified plan under VHIS;
  • The policy holder or his/her spouse is a personal income taxpayer;
  • The insured person is a Hong Kong resident*;
  • The insured person is the policy holder; or is qualified as the policy holder's specified relatives* as defined under the Inland Revenue Ordinance (Cap.112).

*For detailed definitions, please refer to Inland Revenue Ordinance Cap. 112.

The tax deduction becomes effective in the year of assessment commencing on 1 April 2019 and to all subsequent years of assessment. Policy issued under VHIS Certified Plan that are effective and with premium paid on or after 1 April 2019 are eligible for the tax deduction. An "Annual Premium Statement" (with premium payment date^ shown) will be provided by us for each year of assessment (i.e. from 1 April of the year to 31 March of the following year) as the supporting document for tax deduction.

^Premium payment date refers to the premium due date. In the event of premium overdue, the premium payment date refers to the date on which the overdue premium is received and applied to the policy.

Please visit the VHIS website or Inland Revenue Department website to know more about the details.

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