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Important Notice

Manulife (International) Limited would like 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 service_hk@manulife.com for assistance.

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Manulife First VHIS Flexi Plan

Manulife First Flexi Plan for VHIS Health Insurance

Limited Offer

Successfully apply to enjoy 12% premium discount for the first policy year.

Limited Offer

In addition to Manulife Shelter VHIS Standard Plan, we offer Manulife First VHIS Flexi Plan with more extensive protection to bring you enhanced benefit. It is a VHIS Flexi Plan certified by the Food and Health Bureau of the Hong Kong Special Administrative Region with guaranteed lifetime renewal. On top of dedicated protection, the plan offers different plan levels with enhanced benefits such as isolation room, hospital companion bed, outpatient kidney dialysis, post-confinement home nursing and emergency outpatient care to give you the flexibility to choose the coverage that best suits your needs.

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





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    We will respond within two business days to forms submitted at or before 10:00am each business day. For example, if you submit this form at or before 10:00am on a Monday, we will respond by Tuesday. Forms submitted after 10:00am on a Monday will receive a response by Wednesday.

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    Manulife First VHIS Flexi Plan is an indemnity hospital insurance product provided and underwritten by Manulife. The above provides only general information on this product. It does not form part of the policy and does not contain full terms of the policy. You should read the policy provisions for the exact terms and conditions that apply to this product. To view the policy provisions, please visit our website www.manulife.com.hk. You can ask us for a copy.

    1. Any medical service involving more than 1 disability within the same policy year shall be subject to 1 benefit limit for supplementary medical benefit. The benefit limit shall be counted anew for each medical service concerning the same disability in the same policy year provided that the relevant medical service performed on the insured person does not occur within 90 consecutive days following the last date of the previous medical service in relation to the same disability. For details, please refer to ‘Benefit limits for supplementary medical benefit’ section in the Supplement for Enhanced Benefits.
    2. The Major Medical benefit of annual benefit limit up to HKD250,000 per disability per policy per year is applicable to the insured person aged below 76.
    3. Supplementary medical benefit covers the eligible excess expenses under Room and board, Miscellaneous charges, Attending doctor's visit fee, Specialist's fee, Intensive care, Surgeon's fee, Anaesthetist's fee and Operating theatre charges under Basic benefits; as well as the eligible excess expenses of Emergency outpatient care under Enhanced benefits. For Room and board, Attending doctor's visit fee and Intensive care under Basic benefits, this benefit shall be payable after exceeding the limit on the number of days as stated under respective benefit items of Basic benefits as stated in the Benefit Schedule, subject to the respective ‘per day’ limits of this benefit as stated in the Benefit Schedule. For Miscellaneous charges, Specialist's fee, Surgeon's fee, Anaesthetist's fee and Operation Theatre charges under Basic benefits and Emergency outpatient care under Enhanced benefits, this benefit shall be payable after exceeding the benefit limit as stated under respective benefit items of Basic benefits and Enhanced benefits as stated in the Benefit Schedule.
    4. The Major Medical Plus benefit of annual benefit limit up to HKD525,000 per disability per policy per year is applicable to the insured person aged below 76.
    5. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
    6. No supplementary medical coinsurance shall be applied if the medical services are received in Hong Kong and preliminary assessment is issued by the Company.
    7. International medical assistance does not form part of this VHIS certified plan. It is provided by a third party service provider which is an independent contractor and is not our agent. We shall make no representation, warranty or undertaking as to the availability of any medical opinions given by the medical service provider or any services given by the service providers. We shall not be liable for any fault, negligence and/or default in the services provided by the service provider. The services may change from time to time.
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