Waiver of coinsurance for prescribed diagnostic imaging tests

Step 1: Diagnosis

• Visit your doctor and obtain a referral letter for the necessary prescribed diagnostic imaging tests (see note 5 under Terms and Conditions).

Step 2: Appointment booking

• Book an appointment at one of our Designated Network Imaging Centres.
• Inform the Designated Network Imaging Centre that you are a life insured of Manulife First VHIS Flexi Plan when scheduling your appointment.
  

Step 3: Proceed to prescribed diagnostic imaging tests

• Present your identification document (such as HKID card or passport) along with proof of your Manulife First VHIS Flexi Plan coverage. This proof can include the documents such as the policy schedule of your policy or a digital display on Manulife customer website showing you as the life insured. Additionally, a referral letter is required at the Designated Network Imaging Centre for an eligibility check.
• Settle the payment directly with the Designated Network Imaging Centre upon completion of the test and please keep your invoices and receipts. Please check whether the receipt indicates the use of the preferential rate, i.e., without coinsurance for the prescribed diagnostic imaging tests at the Designated Network Imaging Centres.
  

Step 4: Claim submission and assessment

• Submit your claim with the invoices and receipts. You can refer to the individual insurance claims procedures.
  

1. Under this service, no coinsurance for the benefit item of prescribed diagnostic imaging test shall be applied if all of the following conditions are fulfilled:
   a. The prescribed diagnostic imaging test is performed at a Designated Network Imaging Centre; and
   b. Below documents/information are presented at the Designated Network Imaging Centre upon registration:
       i. An identity card or passport of the insured person (or other valid identification document(s) reasonably required by the Designated Network Imaging Centre);
       ii. A referral letter issued by the attending registered medical practitioner; and
       iii. The Policy Schedule of the Manulife First VHIS Flexi Plan or a proof of being the insured person of the Manulife First VHIS Flexi Plan displayed at Manulife’s customer website.
2. The Designated Network Imaging Centres are not operated by Manulife or Manulife’s agents or employees. Manulife is not the agent of the Designated Network Imaging Centres and accepts no responsibility or liability for the quality and availability of the services, or for any advice provided through the services. Manulife shall not be liable or responsible for any acts or omissions of a Designated Network Imaging Centre in the provision of such services.
3. Manulife is not responsible for maintaining any medical information of the insured person in relation to services provided by the Designated Network Imaging Centres. Any information disclosed to the Designated Network Imaging Centres by the policyholder or insured person shall not constitute any actual, constructive, or deemed knowledge of Manulife of the same, and shall not affect Manulife’s right to contest any other policies Manulife issued/to be issued to the insured person, unless such information has actually been disclosed to Manulife or Manulife has actual knowledge of such information.
4. The list of Designated Network Imaging Centres is available on Manulife’s website. The list may be varied, updated and amended from time to time at Manulife discretion without prior notification. Any change shall be deemed as effective as of the effective date as stated on the list.
5. Prescribed diagnostic imaging tests include computed tomography (‘CT’ scan), magnetic resonance imaging (‘MRI’ scan), positron emission tomography (‘PET’ scan), PET-CT combined and PET-MRI combined.
6. In respect of Eligible Policies, Manulife reserves the right to change, terminate or cancel this service at any time without prior notice. Manulife’s decision shall be final and conclusive.

For policy enquiries, please contact your Manulife insurance advisor.