Important Notice

Manulife (International) Limited would like to alert customers to stay vigilant about suspicious phone calls, emails, websites, apps, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife MPF, first and foremost is to authenticate the caller’s identity (e.g. full name of advisor and his/her MPF Registration No.). If the caller refuses to disclose such information, please do not continue with the conversation. If you are in doubt, please contact us at (852) 2108 1188 or by email at service_hk@manulife.com for assistance.

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Important Notice

Manulife (International) Limited would like to alert customers to stay vigilant about suspicious phone calls, emails, websites, apps, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife MPF, first and foremost is to authenticate the caller’s identity (e.g. full name of advisor and his/her MPF Registration No.). If the caller refuses to disclose such information, please do not continue with the conversation. If you are in doubt, please contact us at (852) 2108 1188 or by email at service_hk@manulife.com for assistance.

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Migrate to a VHIS plan

Migrate from your Manulife’s medical policyto 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 paid1

*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 content of this website does not contain the full terms of the policy(ies), and the full terms can be found in the policy document(s).

9 advantages after migrating to a Manulife’s VHIS policy

Eligible for tax deduction1

MOVE discount of up to 10%3

Health discount of up to 16%2

No health re-underwriting for migration to Manulife VHIS plan(s) with comparable coverage4,5

Annual benefit limit is reset every year

Each surgery entitles to a single surgical benefit limit6 regardless of same or different disabilities

Specified outpatient diagnostic imaging tests are covered7

Prescribed non-surgical cancer treatments are covered8

Reimbursement of up to 100% of the supplementary medical benefits after obtaining a preliminary assessment9

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

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

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.

Learn more on Manulife Tax-Deductible Solutions!

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 year1. There is no upper limit on the number of dependents eligible for tax deduction

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    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. 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.
    7. It includes computed tomography (‘CT’ scan), magnetic resonance imaging (‘MRI’ scan), positron emission tomography (‘PET’ scan), PET-CT combined and PET-MRI combined.
    8. It includes radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
    9. 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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