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Manulife
Manulife Supreme VHIS Flexi Plan
Government-Authorised VHIS Flexi Medical Plan · HK$5M Annual Limit · Unlimited Lifetime Cover · Robust Cancer Protection · Resettable Benefit Limit
Latest Insurance Promotions
Find out the limited-time premium rebate & discount of this plan
Information shown is for reference. Actual premiums and promotions depend on individual status.
Key Figures
HK$5,000,000 Annual Benefit Limit, Unlimited Lifetime Benefit Limit and Resettable Benefit Limit. Enjoy comprehensive cancer medical coverage at affordable premiums.
Annual Benefit Limit
HK$5,000,000
Lifetime Benefit Limit
Unlimited
Entry Age
14 days – 80 years old
Renewable up to
100 years
全面保障項目
- 住院食宿、手術費、醫生費、深切治療部（ICU）、麻醉費：100% 賠償
- 末期癌症全額賠償（市場首創）
- 門診洗腎、康復治療、私家看護、住院陪床：全數額
- 中醫門診（術後）、醫療裝置：年度上限 80 萬港元
- 未知舊疾：投保後 30 天起 100% 賠付
- VHIS 稅務扣減：每人每年最高 8,000 港幣
- 癌症治療：化療、電療、標靶、免疫、荷爾蒙、質子；全球非傳統治療（含臨床試驗藥）
- 精神科住院：全數賠償（香港）
- 大型手術 / 指定危疾（癌 / 心臟 / 中風）出院後 365 天跟進門診
- 8 歲後先天性疾病納入保障
- 全球緊急醫療撤離 / 遣返（最高 100 萬美元）
- 保額重置：一生 1 次，同一保單年度內翻倍
- 保額重置：一生 1 次，同一保單年度內翻倍
Highlights
Product Benefits
From full payout for general ward stays to cancer treatment, it offers a cost-effective medical safety net.
Full hospitalisation coverage with four deductible tiers
Full reimbursement for core medical expenses including hospitalisation, surgery and ICU treatment. Four deductible tiers are available: HK$0, HK$22,800, HK$45,000 and HK$100,000. A one-time free downward adjustment of deductible is available after age 50 with no reassessment required.
Industry-leading cancer coverage
Covers chemotherapy, radiotherapy, targeted therapy, immunotherapy and other treatments. Support is available for non-conventional treatments worldwide (including investigational drugs used in clinical trials). It also features the market-first Full Benefit for Terminal Cancer, providing robust protection.
Favourable Cross-border Ward Class Benefit
Covers General Ward stays in HK, Australia & NZ; Semi-private Ward in Mainland China, Macau and other Asian regions (including Class 3A hospitals). Semi-private Ward benefit applies for emergencies outside Asia.
One-time Lifetime Benefit Reset and Extended Benefit
Within one policy year, the annual limit can be doubled from HK$5M to HK$10M for extreme risk scenarios. Protection also extends to 365 days of follow-up outpatient treatment post-discharge for specified serious illnesses, plus congenital diseases covered after age 8.
Global Emergency Assistance and Psychiatric Hospitalisation
It provides global medical evacuation and repatriation service up to USD 1,000,000, together with cashless direct settlement of hospitalisation expenses at designated hospitals. In addition, full reimbursement is available for psychiatric hospitalisation expenses incurred in Hong Kong.
Tax Deduction, Unknown Pre-existing Conditions and No-Claim Reward
Full coverage for unknown pre-existing conditions commences 30 days after policy issuance. As a VHIS-approved plan, each insured person may claim a maximum tax deduction of HK$8,000 per annum. It also offers no-claim renewal discount and complimentary health check reward.
Premium Reference
保費參考
以下為智選、2.28 萬自付額之參考保費，實際保費以核保結果為準。
40 歲男（智選，2.28 萬自付額）
約 HK$ 8,200 / 年
40 歲女（智選，2.28 萬自付額）
約 HK$ 9,000 / 年
兒童（0–18 歲）
約 HK$ 3,300 – 4,800 / 年
* 比安盛標準略平，比信諾優越平約 35%；自付額越高，保費越便宜。
Product Comparison
宏利晉悅（智選） VS 安盛智尊（標準） VS 信諾靈活（優越）
同屬 VHIS 認可頂級醫療險，根據病房需求、癌症保障與預算選擇最適合方案。
| 比較項目 | 宏利晉悅（智選） | 安盛智尊守慧（標準） | 信諾靈活計劃（優越） |
|---|---|---|---|
| 病房級別 | 港普通 / 內地半私家 | 港普通 / 內地普通 | 港半私家 / 內地半私家 |
| 年度額度 | 500 萬 | 500 萬 | 3,000 萬 |
| 終身額度 | 無上限 | 無上限 | 無上限 |
| 癌症保障 | 全球非傳統 + 末期全賠 | 標準治療全賠 | 標準治療全賠 |
| 未知舊疾 | 30 天後 100% 賠 | 首年按比例賠 | 首年 100% 賠 |
| 保額重置 | 一生 1 次翻倍 | 無 | 無 |
* 宏利晉悅：入門高性價、跨境半私家、癌症超強、可重置保額；安盛標準：入門平價、香港普通房；信諾優越：高端半私家、3000 萬額度。
Who It's For
Suitable and Unsuitable Client Profiles
Evaluate the suitability of this product against your financial plan and risk preference.
Highly Suitable Clients
- Seeking VHIS tax deduction, with a limited budget but requiring high-limit lifetime medical coverage
- Regular visits to Mainland Class 3A hospitals, needs semi-private ward cover
- Values full cancer protection, including clinical trials and terminal cancer care
- Seeks benefit reset to cater for extreme risks
- Already holds group insurance and seeks supplementary coverage for high-cost risks relating to hospitalisation, surgery and cancer
Not Recommended Clients
- Looking for a policy with both death benefit and savings features (this is a pure medical insurance plan)
- Only requires low-limit outpatient coverage (this plan mainly covers hospitalisation and surgery)
- Insured with known pre-existing conditions at the time of application (pre-existing conditions are not covered)
- Unwilling to pay the annual deductible before claims are payable
- Prefers semi-private or private ward accommodation in Hong Kong (upgrade to Select / Premier plan is required)