Voluntary Health Insurance Scheme (VHIS)
With demand for public medical services constantly on the rise, the waiting lists for surgery and hospital admission are getting longer and longer. Manulife VHIS gives you the option of getting treatment at a private hospital, where you can choose your doctor and don’t have to wait. So you can get more medical options much sooner, and get well soon.
As a registered provider of Voluntary Health Insurance Scheme (VHIS) certified Standard Plan and Flexi Plan (Company Registration Number: 00034, with Registration Effective Date: February 28, 2019), Manulife brings you VHIS certified plans to help take care of the protection needs for yourself and yo ur family.
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).
For complete product information of the VHIS products, please refer to the respective websites of VHIS products available below.
Learn More about these Manulife VHIS plans:
Why VHIS?
Why Manulife's VHIS?
Tax savings calculator
Premiums paid for you and your dependents can be applied for tax deduction up to HKD8,000 per insured person per year. There is no upper limit on the number of dependents eligible for tax deduction.
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Standard plan VS Flexi plan?
Choose a Manulife VHIS plan suitable for you
Protection needs vary from person to person. Manulife provides you with the flexibility to choose the coverage that best meets needs of you and your loved one.
The list of Manulife VHIS certified plans and respective certification number is available on Question 8 under 'Learn more about VHIS'.
Learn more about VHIS
General procedures
- Product Eligibility, Underwriting Arrangement and Important Note for Adding Manulife Supreme Lite VHIS Supplementary Benefit To Existing Policy
- Migration arrangement for existing customers
- Administrative rules and eligibility for tax deduction
- Complaint procedures
Important note
Inclusion of value-added taxes and goods and services taxes as Eligible Expenses under VHIS Certified Plans
With respect of any Eligible Expenses under the VHIS Certified Plans incurred on or after 1 March 2022, Eligible Expenses shall include value-added taxes and goods and services taxes (“VAT and GST”) (if any) charged or imposed on the relevant medical expenses incurred, subject to the Terms and Benefits applicable in the relevant Certified Plans. The relevant Supplement will be sent to all policy holders concerned upon policy renewal.
Inclusion of public hospitals and private hospitals in Hong Kong in the definition of Hospital under VHIS policy terms & conditions
With effect from 1 April, 2023, the definition of "Hospital" in Part 8 "Definition" of your VHIS policy terms and conditions shall be refined to make clear that it shall include public hospitals as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) and hospitals for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong), subject to other conditions of (b), (c) and (d) in the definition. The relevant Supplement will be sent to all policy holders concerned on or before the respective policy renewals from 1 April 2023.
For any queries, please contact the customer service at 2108 1333.
Remarks
- Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is the earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where - (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. The Company may impose case-based exclusion(s) to the pre-existing condition(s) notified to the Company in the application for the plan and any subsequent information or document submitted to the Company for the purpose of the application.
Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Please refer to the policy provisions for the full terms and conditions. - ManulifeMOVE is not part of the VHIS certified plan.
- In the event that any benefit under the policy for a policy year that falls in the no claim period becomes payable after the health discount has been applied to the premium, the health discount shall be recalculated for all policy years subsequent to such benefit. The policy holder shall repay to the Company the difference between the health discount actually provided by the Company and the recalculated health discount to be entitled immediately upon the Company's demand. The aforesaid description and the health discount table are for general information only. You should read the policy provisions for exactly how the health discount is calculated and given.
- Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any).
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