Learn more about Manulife VHIS

As the rider is not regarded as part of VHIS certified plan, such premium paid on the rider is not eligible for tax deduction.

The insurance companies offering VHIS will set the premiums according to the coverage provided by their plans. The premium can also differ by age and gender etc., and the overall premium rates may be adjusted by the insurance company from time to time due to factors like medical inflation and benefit limit revision etc.

Citizens may apply for tax deduction on the qualifying premiums paid by a citizen for himself/herself and his/her specified dependent(s) for VHIS certified plans on or after April 1, 2019. The deduction ceiling is set at HK$8,000 per insured person per year. There is no cap on the number of dependent(s) that are eligible for tax deduction. For example, if you purchase 3 VHIS plans for 3 dependents, you can apply for tax deduction for the premiums paid up to HK$24,000 (HK$8,000 x 3) per year. For details, please refer to the website of the Inland Revenue Department.

As a registered provider of VHIS certified Standard and Flexi plans, Manulife offers the following certified products.

• Manulife Shelter VHIS Standard Plan (certification no.: S00034-01-000-03)
• Manulife First VHIS Flexi Plan (Ward) (certification no.: F00019-01-000-06)
• Manulife First VHIS Flexi Plan (Ward) with Major Medical (certification no.: F00019-01-001-06)
• Manulife First VHIS Flexi Plan (Ward) with Major Medical Plus (certification no.: F00019-01-002-06)
• Manulife First VHIS Flexi Plan (Semi-private Room) (certification no.: F00019-02-000-06)
• Manulife First VHIS Flexi Plan (Semi-private Room) with Major Medical (certification no.: F00019-02-001-06)
• Manulife First VHIS Flexi Plan (Semi-private Room) with Major Medical Plus (certification no.: F00019-02-002-06)
• Manulife First VHIS Flexi Plan (Private Room) (certification no.: F00019-03-000-06)
• Manulife First VHIS Flexi Plan (Private Room) with Major Medical (certification no.: F00019-03-001-06)
• Manulife First VHIS Flexi Plan (Private Room) with Major Medical Plus (certification no.: F00019-03-002-06)
• Manulife Supreme VHIS Flexi Plan – Smart (Deductible HK$0) (certification no.: F00041-06-000-02)
• Manulife Supreme VHIS Flexi Plan – Smart (Deductible HK$22,800) (certification no.: F00041-07-000-02)
• Manulife Supreme VHIS Flexi Plan – Smart (Deductible HK$45,000) (certification no.: F00041-08-000-02)
• Manulife Supreme VHIS Flexi Plan – Smart (Deductible HK$100,000) (certification no.: F00041-09-000-02)
• Manulife Supreme VHIS Flexi Plan – Advance (Deductible HK$0) (certification no.: F00041-01-000-05)
• Manulife Supreme VHIS Flexi Plan – Advance (Deductible HK$8,000) (certification no.: F00041-02-000-05)
• Manulife Supreme VHIS Flexi Plan – Advance (Deductible HK$22,800) (certification no.: F00041-03-000-05)
• Manulife Supreme VHIS Flexi Plan – Advance (Deductible HK$45,000) (certification no.: F00041-04-000-03)
• Manulife Supreme VHIS Flexi Plan – Advance (Deductible HK$100,000) (certification no.: F00041-05-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Smart (Deductible HK$0) (certification no.: F00071-09-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Smart (Deductible HK$25,000) (certification no.: F00071-10-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Smart (Deductible HK$50,000) (certification no.: F00071-11-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Smart (Deductible HK$100,000) (certification no.: F00071-12-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Smart (Deductible US$0) (certification no.: F00071-13-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Smart (Deductible US$3,125) (certification no.: F00071-14-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Smart (Deductible US$6,250) (certification no.: F00071-15-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Smart (Deductible US$12,500) (certification no.: F00071-16-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Advance (Deductible HK$0) (certification no.: F00071-01-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Advance (Deductible HK$25,000) (certification no.: F00071-02-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Advance (Deductible HK$50,000) (certification no.: F00071-03-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Advance (Deductible HK$100,000) (certification no.: F00071-04-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Advance (Deductible US$0) (certification no.: F00071-05-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Advance (Deductible US$3,125) (certification no.: F00071-06-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Advance (Deductible US$6,250) (certification no.: F00071-07-000-02)
• Manulife Supreme Lite VHIS Supplementary Benefit – Advance (Deductible US$12,500) (certification no.: F00071-08-000-02)