Manulife VHIS plans

Your health is your greatest assetVoluntary Health Insurance Scheme (“VHIS”) initiated by the Hong Kong SAR Government aims to standardise and improve the level of protection from medical insurance products in the market. VHIS certified plans give you the care and security needed with affordable plan choices.To apply for Manulife's VHIS plans through the platform below, the applicant must be a DBS credit cardholder and, as the proposed insured person, a permanent HKID cardholder.

By clicking the “Get a quote” button, you will be leaving our website to access Manulife’s website, over which we do not hold any responsibilities. When on Manulife’s website, their terms of use and privacy policies will apply to you. Before purchasing any Manulife products, please ensure that you understand the product features and terms and conditions.

You may have different insurance needs. Please read the product information carefully to understand more to see if the above products meet your needs and circumstances. The content on this website is provided for general information purposes only and does not take account of your individual needs and circumstances. It should not be construed as an insurance advice and does not constitute any offer or any solicitation to offer or a recommendation of any insurance product. Such general information 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 these products and the relating product information available on Manulife’s website to understand the product's nature, features, risks and exclusions before proceeding with the application.

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Why choose Manulife Shelter VHIS Standard PlanManulife Shelter VHIS Standard Plan’s core benefits cover expenses incurred from diagnostic tests to post-treatment care. Featured benefits include:

Extensive and worldwide¹ coverage

Cover unknown pre-existing conditions², day case procedures including endoscopy, inpatient psychiatric treatments etc.

Upfront claimable amount estimate

Easy budgeting by sending Manulife your estimated charges from your medical provider if the insured person needs to undergo a non-emergency surgical procedure. Manulife will then give you an upfront claimable amount estimate with reference to your coverage under the plan.

Guaranteed renewal up to age 100

Enjoy long term protection as your policy will be renewed annually despite your health conditions.

No “lifetime benefit limit” & annual limit will be reset annually

Annual limit of your benefits will be reset on an annual basis, which will help fight against prolonged illnesses.

Health discount³

Enjoy up to 16% premium discount if no claim has been made for at least 2 consecutive policy years. Please refer to the policy provisions on exactly how the health discount is calculated and given.

Tax benefits

The relevant premiums paid by the policy holder for the coverage for each insured person can be applied for tax deduction up to a ceiling of HK$8,000 per insured person per year. There is no upper limit on the number of dependents that are eligible for tax deduction.

ManulifeMOVE⁴

Achieve specific activity goals and enjoy premium discount of up to 10% for the next policy year.

Key benefits

Manulife Shelter VHIS Standard Plan

Annual benefit limit	HK$420,000 per policy year
Room and board	HK$750 per day (Maximum 180 days per policy year)
Miscellaneous charges	HK$14,000 per policy year
Surgeon's fee	Per surgery, subject to surgical category for the surgery/ procedure in the Schedule of Surgical Procedures Complex: HK$50,000 Major: HK$25,000 Intermediate: HK$12,500 Minor: HK$5,000
Prescribed non-surgical cancer treatments	HK$80,000 per policy year

You may have different insurance needs. Please read the product information carefully to understand more to see if these products meet your needs and circumstances. The content on this website is provided for general information purposes only and does not take account of your individual needs and circumstances. It should not be construed as an insurance advice and does not constitute any offer or any solicitation to offer or a recommendation of any insurance product. Such general information 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 these products and the relating product information available on Manulife’s website to understand the product's nature, features, risks and exclusions before proceeding with the application.

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Why choose Manulife First VHIS Flexi PlanManulife First VHIS Flexi Plan’s core benefits cover expenses incurred from diagnostic tests to post-treatment care. Featured benefits include:

Flexibility to suit your needs

Choose from Ward, Semi-private room and Private room for different level of coverage.

Extensive and worldwide¹ coverage

Covers unknown pre-existing conditions², day case procedures including endoscopy, inpatient psychiatric treatments etc.

Enhanced benefit items

Include isolation room, hospital companion bed, outpatient kidney dialysis, post-confinement home nursing, emergency outpatient care and optional supplementary medical benefit etc.

Up to 100% reimbursement coverage with preliminary assessment

If you have a Manulife First VHIS Flexi Plan with supplementary medical benefits and have obtained a preliminary assessment before receiving medical services if the medical services are received in Hong Kong, you may be reimbursed up to 100% of eligible excess expenses where the 20% supplementary medical coinsurance will be waived.

Upfront claimable amount estimate

Guaranteed renewal throughout the lifetime of insured person

Enjoy long term protection as your policy will be renewed annually despite your health conditions.

No “lifetime benefit limit” & no “annual benefit limit”

For basic benefit items⁵ in the Benefit Schedule, no overall annual benefit limit other than their itemized benefit limits

Health discount³

Enjoy up to 16% premium discount if no claim has been made for at least 2 consecutive policy years. Please refer to the policy provisions on exactly how the health discount is calculated and given.

Tax benefits

ManulifeMOVE⁴

Achieve specific activity goals and enjoy premium discount of up to 10% for the next policy year.

Key benefits

Manulife First VHIS Flexi Plan

	Ward	Semi-Private Room	Private Room
Room and board	HK$1,100 per day (Maximum 180 days per policy year)	HK$2,300 per day (Maximum 180 days per policy year)	HK$4,000 per day (Maximum 180 days per policy year)
Miscellaneous charges	HK$15,000 per policy year	HK$21,000 per policy year	HK$35,000 per policy year
Surgeon’s fee	Per surgery, subject to surgical category for the surgery/ procedure in the Schedule of Surgical Procedures Complex: HK$52,500 Major: HK$26,250 Intermediate: HK$13,125 Minor: HK$5,250	Per surgery, subject to surgical category for the surgery/ procedure in the Schedule of Surgical Procedures Complex: HK$73,500 Major: HK$36,750 Intermediate: HK$18,375 Minor: HK$7,350	Per surgery, subject to surgical category for the surgery/ procedure in the Schedule of Surgical Procedures Complex: HK$105,000 Major: HK$52,500 Intermediate: HK$26,250 Minor: HK$10,500
Prescribed non-surgical cancer treatments	HK$80,000 per policy year	HK$120,000 per policy year	HK$180,000 per policy year
Supplementary medical benefit (optional)	Up to HK$183,750 per disability⁶ per policy year. Subject to 20% supplementary medical coinsurance⁷.	Up to HK$320,250 per disability⁶ per policy year. Subject to 20% supplementary medical coinsurance⁷.	Up to HK$551,250 per disability⁶ per policy year. Subject to 20% supplementary medical coinsurance⁷.

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Quick Facts about HK Hospital Services

In 2019, the waiting time for new case bookings for Specialist clinics could take as long as 186 weeks⁸

In 2017, the median expenditure of staying in a private hospital is HK$45,000⁹ – close to 3 times¹⁰ of median personal income in Hong Kong

Median fees for surgical operations have increased by 33%¹¹ between 2014 - 2018

In 2016, on average only 66%-76%¹² of hospitalization expenses are covered by group medical insurance

Do you have enough savings to cover your medical expenses?Explore our VHIS certified plans to ensure coverages for your unforeseen medical needs! For enquiry, please call Manulife Insurance Service Hotline at (852) 2510 3383 (Office Hours: Mondays to Fridays, from 9:00am to 6:00pm, closed on Saturday, Sunday & Public Holidays)

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*For details, please refer to Manulife's website and the terms & conditions set out on the promotional leaflet.Remarks:

Except for the psychiatric treatment offered, all benefits described in these Terms and Benefits shall be applicable worldwide.

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.

Health discount is applied to the premium due and payable in the following policy year after no claim period.

ManulifeMOVE does not form part of the VHIS certified plan. Manulife reserves the right to change, terminate or cancel the premium discount without prior notice. Please refer to www.ManulifeMOVE.hk for the terms and conditions and the latest updates.

Basic benefit items include room and board, miscellaneous charges, attending doctor’s visit fee, specialist’s fee, intensive care, surgeon’s fee, anaesthetist’s fee, operating theatre charges, prescribed diagnostic imaging tests, prescribed non-surgical cancer treatments, pre- and post-confinement/day case procedure outpatient care and psychiatric treatments. For details, please refer to Manulife’s website and the Benefit Schedule.

Any medical service involving more than 1 disability within the same policy year shall be subject to 1 benefit limit for supplementary medical benefit. The benefit limit shall be counted anew for each medical service concerning the same disability in the same policy year provided that the relevant medical service performed on the insured person does not occur within 90 consecutive days following the last date of the previous medical service in relation to the same disability. For details, please refer to ‘Benefit limits for supplementary medical benefit’ section in the Supplement for Enhanced Benefits.

No supplementary medical coinsurance shall be applied if the medical services are received in Hong Kong and preliminary assessment is issued by Manulife.

Source - Hospital Authority: Waiting Time for New Case Bookings at Specialist Out-patient Clinics (1 October 2018 – 30 September 2019). The waiting time for stable new case bookings for Orthopaedics & Traumatology in the Hong Kong West could be as long as 186 weeks.

Source – 2017 survey conducted by the Life Underwriters Association of Hong Kong (LUAHK), published in Insurance & Financial Planning Bimonthly E-Magazine of LUAHK (November & December 2017 Edition) (Chinese version only)

Source - Census and Statistics Department: Women and Men in Hong Kong - Key Statistics (2018 Edition). The median monthly employment earnings were HK$15,500 in 2017

Source – Comparison of fees between 2014 and 2018 for ultra-major, major and intermediate surgical operations/procedures, published in Hong Kong Medical Association Doctors' Fees Survey 2018

Source - The Hong Kong Federation of Insurers, Medical Claims Statistics 2016

Important Notes:

Manulife Shelter VHIS Standard Plan/ Manulife First VHIS Flexi Plan is an indemnity hospital insurance product underwritten by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (“Manulife”). DBS Bank is acting as a licensed insurance agency of Manulife.

The below is provided to you in the Bank’s capacity as an authorized institution regulated by the Hong Kong Monetary Authority.

Manulife Shelter VHIS Standard Plan/ Manulife First VHIS Flexi Plan is a medical insurance plan without a savings element. There is no cash value for the product. The product is aimed at customers who want a medical insurance product and can pay the premium as long as they want medical protection. As a result, you are advised to save enough money to cover the premiums in the future. The premium pays for the insurance and related costs.
Credit Risk – Any premiums paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife's financial strength may affect Manulife’s ability to meet the ongoing obligations under the insurance policy.

This webpage is only for use in Hong Kong Special Administrative Region.

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