Manulife Supreme VHIS Flexi Plan
Manulife Supreme VHIS Flexi Plan (‘Manulife Supreme’, or the ‘Plan’) is a certified plan under the Voluntary Health Insurance Scheme (‘VHIS’) designed to give you the peace of mind that comes with full coverage on major medical expenses with no sub-limits1, up to HK$30,000,000 per policy year. To suit your preferences and priorities, you get a choice of 3 plan levels with different ward classes and up to 5 annual deductible options. You may also enjoy premium discounts as a reward for staying healthy and living a healthy lifestyle.
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.
Manulife Supreme VHIS Flexi Plan
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Why Manulife's VHIS?
Download policy provisions
| Plans | For new application effective or renewed policy from January 1, 2026 |
For effective date or renewal from January 1, 2025 to December 31, 2025 |
| Smart - HK$0 deductible | ||
| Smart - HK$22,800 deductible | ||
| Smart - HK$45,000 deductible | ||
| Smart - HK$100,000 deductible | ||
| Advance - HK$0 deductible | ||
| Advance - HK$8,000 deductible | ||
| Advance - HK$22,800 deductible | ||
| Advance - HK$45,000 deductible | ||
| Advance - HK$100,000 deductible | ||
| Deluxe - HK$0 deductible | Not applicable | |
| Deluxe - HK$8,000 deductible | ||
| Deluxe - HK$22,800 deductible | ||
| Deluxe - HK$45,000 deductible | ||
| Deluxe - HK$100,000 deductible |
Important note
Hospitals offer various accommodation options with different facilities, and the categorisation used by the hospitals may be different from the definitions in the relevant policy/benefit provisions. If you are unsure of whether a particular accommodation option meets the relevant ward class definitions under these policy/benefit provisions, please contact Manulife before confinement.
Manulife Supreme 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. Before making a purchase, you should read the policy provisions for the exact terms and conditions that apply to this product. To view the policy provisions, please visit above ‘Download policy provisions’ section. You can ask us for a copy.
Inclusion of value-added taxes and goods and services taxes as Eligible Expenses under VHIS Certified Plans
With respect of any Eligible Expenses under the VHIS Certified Plans incurred on or after 1 March 2022, Eligible Expenses shall include value-added taxes and goods and services taxes (“VAT and GST”) (if any) charged or imposed on the relevant medical expenses incurred, subject to the Terms and Benefits applicable in the relevant Certified Plans. The relevant Supplement will be sent to all policy holders concerned upon policy renewal.
Inclusion of public hospitals and private hospitals in Hong Kong in the definition of Hospital under VHIS policy terms & conditions
With effect from 1 April, 2023, the definition of "Hospital" in Part 8 "Definition" of your VHIS policy terms and conditions shall be refined to make clear that it shall include public hospitals as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) and hospitals for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong), subject to other conditions of (b), (c) and (d) in the definition. The relevant Supplement will be sent to all policy holders concerned on or before the respective policy renewals from 1 April 2023.
For any queries, please contact the customer service at 2108 1333.
Remarks
- Full cover / Full coverage shall mean no itemised benefit sub-limits, and the benefit payable shall be subject to the remaining deductible (if applicable), annual benefit limit, lifetime benefit limit and other limitations. Full cover / Full coverage applies to designated benefit items only, while other benefit items are not fully reimbursable and subject to respective benefit item’s limits. Please refer to Benefit Schedule and the policy provisions for details.
- For non-emergency treatment received outside Asia (applicable to Smart and Advance Plans) and in the United States (applicable to Deluxe Plan), the benefits shall be payable in accordance with the VHIS Standard Plan Terms and Benefits. The benefits are subject to the geographical limitation, the limitation on choice of hospitals and the limitation on choice of ward class. Please refer to the ‘Limitations of benefits’ section of the product leaflet for details. For avoidance of doubt, the geographical coverage for non-conventional treatment for covered cancer and treatment for late stage cancer is worldwide and subject to the limits as stated in Benefit Schedule.
- You may apply to lower the annual deductible of this plan to HK$0 or any other options available at that time at age 50, 55, 60, 65, 70, 75, 80 or 85 of the insured person within 31 days before the relevant policy anniversary without providing further evidence of good health. You can only apply this once at policy renewal during the lifetime of the insured person. Upon reduction of the annual deductible, the premium payable shall include the standard premium according to the prevailing standard premium schedule adopted by the Company for such annual deductible option, and any premium loading the policy holder has agreed for the Plan. For the avoidance of doubt, the policy holder still has the right to request the Company to increase the annual deductible at any policy renewal, without providing further evidence of good health on the insured person.
- 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. - The benefits actually paid are subject to your policy terms and conditions, including but not limited to the case-based exclusion(s).
- 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.
- 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).
- ManulifeMOVE is not part of the VHIS certified plan.
- International medical assistance (for Hong Kong or Macau residents) / worldwide emergency assistance (for non-Hong Kong or non-Macau residents) and second medical opinion do not form part of this VHIS certified plan. These are provided by third party service providers which are independent contractors and are not our agents. We shall make no representation, warranty or undertaking as to the availability of any medical opinions given by the medical service providers including hospitals 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 providers. These services may be subject to service charges payable to and determined by the third party service providers from time to time. The Company will not be liable for any transactions therein or any default in the services offered by the third party service providers. The services may change from time to time. Please visit our company website (www.manulife.com.hk) for the latest medical referral services provision and emergency assistance benefits provisions (for Hong Kong or Macau residents) / PRC and worldwide emergency assistance benefits provisions (for non-Hong Kong or non-Macau residents) for the terms and conditions of these services. For the avoidance of doubt, for international medical assistance and worldwide emergency assistance, the insured person’s place of permanent residence is based on his/her information when the request to use the services is made.
- Non-conventional treatment, covered cancer and late stage cancer are subject to respective definitions.
- Benefit limit reset is applicable to designated benefit limits. During the lifetime of the insured person, each policy shall be entitled for this benefit once only.
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