Day Surgery Cashless Service

Notes

1. Subject to pre-approval and confirmation by Manulife.
2. The service is eligible for designated medical plans and is subject to terms and conditions. This service is a special administrative arrangement and is not part of the product features. Manulife also reserves the right to revise these terms and conditions of the service from time to time at our sole and absolute discretion.
3. Indicate that you are a Manulife customer and want to use Day Surgery Cashless Service when you make the appointment.
4. Health Card shall mean the digital Health Card issued by Manulife to the Insured Person.
5. The pre-approval result includes pre-approved amount, deductible, and out-of-pocket amount (if any)
6. The pre-approval result shall not be regarded as admission of liability on the part of Manulife (International) Limited (“Manulife”). The actual claimable amount will be based on the final claim decision that is subject to the insured’s eligibility and case-based exclusion(s), received claim documents/information, benefit limits, general exclusions, and other terms and conditions as stated in the policy provisions.
7. The cashless service is provided to facilitate the upfront payment process; however, customer may still be responsible for certain expenses subject to pre-approval and confirmation by Manulife.
8. For any enquiries regarding Healthcare Network Provider, you may also call our Customer Service Hotline at (852) 2510 3941 (Hong Kong) or (853) 8398 0383 (Macau) .
9. If your pre-approval application is declined, you will be required to pay the pre-operation consultation fee and all medical expenses at the day case surgery center.
   

Remarks

• The service is supportive in nature, we do not offer medical advice. 
• For the avoidance of doubt, the use of this service does not imply any expenses or diagnoses associated with these services are covered in any of your insurance policy(ies).

Terms and conditions

1. Day Surgery Cashless Service is only applicable to Manulife First VHIS Flexi Plan, Manulife Shelter VHIS Standard Plan, Manulife Supreme VHIS Flexi Plan, Manulife Supreme Lite VHIS Supplementary Benefit, Manulife Supreme Medical Plan, Manulife Supreme Lite Medical Supplementary Benefit, ManuGuard Medical Plan/Benefit, ManuMaster Healthcare Series/Benefit and ManuShine Healthcare Series/Benefit.
2. We will notify you via SMS of the pre-approval result within 3 working days after the Healthcare Network Provider submits the request and all the required information to Manulife. The result is valid for 30 days from the date you receive the SMS.
3. Day Surgery Cashless Service may not be applicable to full cost of pre/post-surgery consultations offered by certain Healthcare Network Providers. You may be required to pay full or partial of pre/post-consultation fees in advance. You can check with the Healthcare Network Providers prior to the appointment.
4. The Day Surgery Cashless Service is provided by third-party. Manulife makes no representation, warranty or undertaking as to the availability of and/or any service of the third-party. Manulife shall not be liable to the policy holder or the insured person in any respect of any loss, damage, expense, suit, action or proceedings suffered or incurred by the policy holder or the insured person, whether directly or indirectly, arising from or in connection with the services provided (including, but not limited to, the Day Surgery Cashless Service) or advice given by the third party and/or its agents, or the availability of such services. In case of any dispute, the policy holder or the insured person should settle it with the third party directly.
5. Medical service providers are independent contractors and are not employees, agents, or servants of Manulife. Manulife shall not be responsible and/or liable for any services, diagnosis, advice or treatment or other acts or omissions of medical service providers. Manulife shall not be liable for any acts or omission of any other service providers.
6. To enjoy cashless services or network benefit (applicable to Manulife First VHIS Flexi Plan with supplementary medical benefit and a policy effective date on or after July 1, 2026 only), 

• (a) the insured person must be confined, receive the day case procedure, outpatient cancer treatment (applicable to non-VHIS policies) or prescribed non-surgical cancer treatment (applicable to VHIS policies) at a healthcare network facility and such procedure and/or treatment must be provided by a healthcare network medical practitioner; and
  (b) the policy holder and/or insured person must obtain the pre-approval result before receiving the relevant medical services. 
• Network benefit is subject to terms and conditions, please refer to the policy provisions of Manulife First VHIS Flexi Plan for more details. 
• For full details and terms and conditions of the cashless services, please refer to the relevant service details.

In this service details page, ‘you’ and ‘your’ refer to the policyowner. ‘Manulife’, ‘the Company’, ‘we’, ‘us’ and ‘our’ refer to Manulife (International) Limited. 

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This service details page is for view in Hong Kong and Macau only, but not in the Chinese Mainland.

In case of any discrepancy between the English version and the Chinese version of these terms and conditions, the English version shall prevail. In case of dispute, the decision of Manulife shall be final and conclusive.