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Migrate to a VHIS plan

Migrate from your Manulife’s medical policy*,1 to designated Voluntary Health Insurance Scheme (VHIS) plans now to enjoy comprehensive medical coverage and apply for tax deduction of up to HK$8,000 per insured person per year for the premiums you paid2

*Please click here to learn more about product eligibility and arrangement of VHIS migration for existing customers. For Manulife Shelter VHIS Standard Plan/Manulife First VHIS Flexi Plan migration, the policies entitled to migration must be issued before April 1, 2019. For Manulife Supreme VHIS Flexi Plan migration, the policies entitled to migration must be issued before February 17, 2020.

The 10 Advantages of Manulife’s VHIS Migration Program

More on Manulife's VHIS

Remarks
  1. For the terms and conditions of the 10% premium discount for the first policy year under the Migration Program, please visit www.manulife.com.hk/link/vhis-m-offer or www.manulife.com.hk/link/vhis-supreme-offer and refer to the related promotional leaflets. We also provide hardcopies on request. 
  2. If you are migrating (1) from ManuGuard Medical Plan/Benefit to Manulife Shelter VHIS Standard Plan or Manulife First VHIS Flexi Plan, or (2) from ManuMaster Healthcare Series/Benefit or ManuShine Healthcare Series/Benefit to Manulife Supreme VHIS Flexi Plan, the relevant period used to calculate the health bonus under the original policy will be transferred to the new VHIS policy, and used to calculate the health discount under the new policy.
  3. ManulifeMOVE is not a part of the VHIS plan. If the policy holder is a ManulifeMOVE member, the eligible VHIS policy must remain in force for at least 12 months in order to qualify for the ManulifeMOVE premium discount (if any). For details, please visit www.ManulifeMOVE.hk
  4. The actual  tax savings vary according to each insured person’s personal tax assessment and individual circumstances. For details, please consult independent tax and accounting consultants.
  5. (i) “Same-level migration” refers to migrating to an eligible VHIS plan with comparable original coverage. If the migration involves no benefit upgrades (such as lowering deductibles, advancing to a higher protection level or adding a Major Medical/Major Medical Plus), the proposed insured is not required to submit a health evidence. To avoid confusion, the residency underwriting still applies to the new VHIS policy. (ii) Any exclusions and/or extra premium applicable to the original coverage will be carried forward to the new policy after migration.
  6. These treatments include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy only.
  7. It is applicable to the supplementary medical benefits of Manulife First VHIS Flexi Plan with Major Medical / Major Medical Plus and medical treatments and services received in Hong Kong only, subject to the applicable benefit limits. Please refer to the policy provisions for details.
  8. Renewal will be guaranteed up to age 100 for Manulife Shelter VHIS Standard Plan, and for the insured person’s lifetime for Manulife First VHIS Flexi Plan and Manulife Supreme VHIS Flexi Plan. 

Amendment

▪ Advantage 7 - Each surgery entitles to a single surgical benefit limit^ regardless of same or different disabilities

^Surgical benefit limit confines to Surgeon’s fee, Anaesthetist’s fee and Operating theatre charges. Please refer to the policy provisions for the full terms and conditions.

▪ Advantage 8 – Specified outpatient diagnostic imaging tests# are covered

#It includes computed tomography (‘CT’ scan), magnetic resonance imaging (‘MRI’ scan), positron emission tomography (‘PET’ scan), PET-CT combined and PET-MRI combined.

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Learn more about key differences in the coverage of your policy entitled to migration and Manulife’s VHIS plan with comparable coverage#

#Benefit comparison is available to ManuGuard Medical Plan / Benefit, Hospital Protector / Benefit, I'mWell, Golden Lifestyle Hospital Benefit and Premier Life Hospital Benefit only. For products not mentioned here, please contact your financial advisor for details.

10 advantages after migrating to a Manulife’s VHIS policy

10% first-year premium discount1

Health discount of up to 16%3

MOVE discount of up to 10%4

Eligible for tax deduction2

No health re-underwriting for migration to Manulife VHIS plan(s) with comparable coverage5,6

Annual benefit limit is reset every year

Each surgery entitles to a single surgical benefit limit7 regardless of same or different disabilities

Specified outpatient diagnostic imaging tests are covered8

Prescribed non-surgical cancer treatments are covered9

Reimbursement of up to 100% of the supplementary medical benefits after obtaining a preliminary assessment10 

(applicable to Manulife First VHIS Flexi Plan with supplementary medical benefits)

To arrange for migration to a VHIS policy, contact your financial advisor now!

Manulife Shelter VHIS Standard Plan, Manulife First VHIS Flexi Plan and Manulife Supreme VHIS Flexi Plan are the indemnity hospital insurance plans provided and underwritten by Manulife. The above provides only general information on the products. 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 the products. To view the policy provisions, please visit our website www.manulife.com.hk. You can ask us for a copy.


Tax savings calculator

Premiums paid for VHIS policies for you and your dependents can be applied for tax deduction up to HKD8,000 per insured person per year2. There is no upper limit on the number of dependents eligible for tax deduction

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    1. For the terms and conditions of the premium discount of 10% for the first year following migration, please click here (for migration to Manulife Shelter VHIS Standard Plan/Manulife First VHIS Flexi Plan) or here (for migration to Manulife Supreme VHIS Flexi Plan) for the relevant leaflets. You can ask us for a copy.
    2. The actual tax savings vary according to each insured person’s personal tax assessment and individual circumstances. For details, please consult independent tax and accounting consultants.
    3. If you make no claim for at least 2 consecutive policy years, you will enjoy a health discount of up to 16% on the premiums in the following policy year after the no claim period as no claim reward. If your original coverage is ManuGuard Medical Plan/Benefit, the health bonus (if any) can be carried forward from your original coverage to the Manulife Shelter VHIS Standard Plan or Manulife First VHIS Flexi Plan policy.  If your Original Coverage is ManuMaster/ManuShine Healthcare Series or ManuMaster/ManuShine Healthcare Benefit, the no claim period under the original coverage (if any) can be carried forward  to calculate the health discount under Manulife Supreme VHIS Flexi Plan.
    4. ManulifeMOVE is not part of the VHIS plan. You can enjoy ManulifeMOVE membership for free and up to 10% premium discount for the next policy year by achieving the required daily step average. If the policyowner is a ManulifeMOVE member, ManulifeMOVE premium discount (if any) is applicable only if the VHIS policy remains in force for at least 12 months. For details, please refer to www.ManulifeMOVE.hk.
    5. For Hospital Benefit / Hospital Protector / I’mWell / Golden Lifestyle Hospital Benefit / Premier Life Hospital Benefit with Major Medical Benefit or Major Medical Plus Benefit, your application for migration must be received by us before the policy anniversary date of the Original Coverage on which the insured person’s age nearest birthday reaches 75, in order to enjoy the migration to the designated VHIS plan (with Major Medical Benefit / Major Medical Plus Benefit) without health underwriting. Otherwise, migrating to the designated VHIS plan with no health underwriting will be without Major Medical Benefit / Major Medical Plus Benefit. You can choose to migrate to our other VHIS plans other than the designated VHIS plan, which may be subject to normal underwriting.
    6. No health underwriting will be required if you choose to migrate your original coverage to a VHIS policy with comparable coverage. If you choose to migrate to a VHIS policy without health underwriting, any exclusions and/or extra premium applicable to the original coverage will be carried forward to the VHIS policy after migration. You can choose to migrate to designated VHIS plans, but may be subject to normal underwriting.
    7. Surgical benefit limit confines to Surgeon's fee, Anaesthetist's fee and Operating theatre charges. Please refer to the policy provisions for the full terms and conditions.
    8. It includes computed tomography (‘CT’ scan), magnetic resonance imaging (‘MRI’ scan), positron emission tomography (‘PET’ scan), PET-CT combined and PET-MRI combined.
    9. It includes radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
    10. It is applicable to the supplementary medical benefits of Manulife First VHIS Flexi Plan with Major Medical / Major Medical Plus and medical treatments and services received in Hong Kong only, subject to the applicable benefit limits. Please refer to the policy provisions for details.
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    Effective from July 21, 2020 (Tuesday), our Service Hotlines and Service Centres will operate from 10am to 5pm, Monday to Friday, until further notice. We apologize for any inconvenience caused.

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