{"attribution":{"compiledBy":"Hong Kong Insurance Connect","compiledByZh":"港險通","legalName":"Pineapple bun bun Limited","url":"https://buyhongkonginsurance.com","license":"© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.","cite":"Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link."},"group":{"slug":"insurer-manulife-international-limited-medical-vhis","kind":"insurer","type":"medical-vhis"},"summary":{"en":"This page compares 3 products. Compare recorded product facts and their public sources. Payment options, age conditions and currencies remain separate facts. Shared labels do not confirm eligibility. Check each option's conditions.","zh-hant":"本頁比較 3 款產品。 比較已記錄的產品事實及公開來源。繳費選項、年齡條件及貨幣分別列示。 相同標籤不代表符合投保資格；請核對各選項條件。","zh-hans":"本页比较 3 款产品。 比较已记录的产品事实及公开来源。缴费选项、年龄条件及货币分别列示。 相同标签不代表符合投保资格；请核对各选项条件。"},"ratioCaveat":{"en":"Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.","zh-hant":"過往分紅實現率並非未來表現的指標。非保證利益可能 改變。此處僅提供一般資訊，沒有排名或產品推薦。","zh-hans":"过往分红实现率并非未来表现的指标。非保证利益可能 改变。此处仅提供一般信息，没有排名或产品推荐。"},"comparableFields":["type","currencies","premiumTerms","benefitTerm","keyFeatures","vhisPlanType","annualLimit","lifetimeLimit","renewal","keyExclusions"],"products":[{"slug":"manulife-first-vhis","names":{"en":"Manulife First VHIS Flexi Plan","zh-hant":"宏利全護航自願醫保靈活計劃","zh-hans":"宏利全护航自愿医保灵活计划"},"nameBasis":"insurer-published","insurerSlug":"manulife-international-limited","productPaths":["/insurers/manulife-international-limited/manulife-first-vhis/","/zh-hant/insurers/manulife-international-limited/manulife-first-vhis/","/zh-hans/insurers/manulife-international-limited/manulife-first-vhis/"],"insurerPaths":["/insurers/manulife-international-limited/","/zh-hant/insurers/manulife-international-limited/","/zh-hans/insurers/manulife-international-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay each policy year throughout life; premiums are not guaranteed.","zh-hant":"終身每保單年度繳費；保費並非保證。","zh-hans":"终身每保单年度缴费；保费并非保证。"}}],"display":{"en":["Renewable / Pay each policy year throughout life; premiums are not guaranteed."],"zh-hant":["可續保 / 終身每保單年度繳費；保費並非保證。"],"zh-hans":["可续保 / 终身每保单年度缴费；保费并非保证。"]},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html","page":null,"title":"Manulife First VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證終身續保；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证终身续保；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證終身續保；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证终身续保；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00019/F00019-01-000-07-PlanDoc-e.pdf","page":13,"title":"Health Bureau — Manulife First VHIS Flexi Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。"},{"en":"Example certified option: Ward (HKD). Other options have separate terms.","zh-hant":"認可選項例子：普通房（HKD）。其他選項另有條款。","zh-hans":"认可选项例子：普通房（HKD）。其他选项另有条款。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","Example certified option: Ward (HKD). Other options have separate terms."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","認可選項例子：普通房（HKD）。其他選項另有條款。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。","认可选项例子：普通房（HKD）。其他选项另有条款。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"Ward: no aggregate annual cap for the schedule's specified benefits; item limits still apply.","zh-hant":"普通房：表列指定保障不設每年總限額；個別項目限額仍適用。","zh-hans":"普通房：表列指定保障不设每年总限额；个别项目限额仍适用。"}],"display":{"en":["Ward: no aggregate annual cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["普通房：表列指定保障不設每年總限額；個別項目限額仍適用。"],"zh-hans":["普通房：表列指定保障不设每年总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00019/F00019-01-000-07-PlanDoc-e.pdf","page":64,"title":"Health Bureau — Manulife First VHIS Flexi Plan — Ward benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"Ward: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"普通房：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"普通房：表列指定保障不设终身总限额；个别项目限额仍适用。"}],"display":{"en":["Ward: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["普通房：表列指定保障不設終身總限額；個別項目限額仍適用。"],"zh-hans":["普通房：表列指定保障不设终身总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00019/F00019-01-000-07-PlanDoc-e.pdf","page":64,"title":"Health Bureau — Manulife First VHIS Flexi Plan — Ward benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證終身續保；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证终身续保；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證終身續保；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证终身续保；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00019/F00019-01-000-07-PlanDoc-e.pdf","page":13,"title":"Health Bureau — Manulife First VHIS Flexi Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Treatment, tests and services that are not medically necessary are excluded.","zh-hant":"非醫療必需的治療、檢查及服務不受保。","zh-hans":"非医疗必需的治疗、检查及服务不受保。"},{"en":"Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","zh-hant":"美容服務不受保，保單所列意外及增強保障例外除外。","zh-hans":"美容服务不受保，保单所列意外及增强保障例外除外。"},{"en":"Selected exclusions only; consult the full policy and any case-based exclusions.","zh-hant":"僅列部分不保事項；須參閱完整保單及個別不保事項。","zh-hans":"仅列部分不保事项；须参阅完整保单及个别不保事项。"}],"display":{"en":["Treatment, tests and services that are not medically necessary are excluded.","Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","Selected exclusions only; consult the full policy and any case-based exclusions."],"zh-hant":["非醫療必需的治療、檢查及服務不受保。","美容服務不受保，保單所列意外及增強保障例外除外。","僅列部分不保事項；須參閱完整保單及個別不保事項。"],"zh-hans":["非医疗必需的治疗、检查及服务不受保。","美容服务不受保，保单所列意外及增强保障例外除外。","仅列部分不保事项；须参阅完整保单及个别不保事项。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00019/F00019-01-000-07-PlanDoc-e.pdf","page":25,"title":"Health Bureau — Manulife First VHIS Flexi Plan general exclusions","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"manulife-shelter-vhis","names":{"en":"Manulife Shelter VHIS Standard Plan","zh-hant":"宏利愛守護自願醫保標準計劃","zh-hans":"宏利爱守护自愿医保标准计划"},"nameBasis":"insurer-published","insurerSlug":"manulife-international-limited","productPaths":["/insurers/manulife-international-limited/manulife-shelter-vhis/","/zh-hant/insurers/manulife-international-limited/manulife-shelter-vhis/","/zh-hans/insurers/manulife-international-limited/manulife-shelter-vhis/"],"insurerPaths":["/insurers/manulife-international-limited/","/zh-hant/insurers/manulife-international-limited/","/zh-hans/insurers/manulife-international-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html","page":null,"title":"Manulife Shelter VHIS Standard Plan — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay each policy year up to age 100; premiums are not guaranteed.","zh-hant":"每保單年度繳費至100歲；保費並非保證。","zh-hans":"每保单年度缴费至100岁；保费并非保证。"}}],"display":{"en":["Renewable / Pay each policy year up to age 100; premiums are not guaranteed."],"zh-hant":["可續保 / 每保單年度繳費至100歲；保費並非保證。"],"zh-hans":["可续保 / 每保单年度缴费至100岁；保费并非保证。"]},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00034/S00034-01-000-03-PlanDoc-e.pdf","page":13,"title":"Health Bureau — Manulife Shelter VHIS Standard Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Certified VHIS Standard Plan; annual benefit limit HKD420,000.","zh-hant":"認可自願醫保標準計劃；每年保障限額420,000港元。","zh-hans":"认可自愿医保标准计划；每年保障限额420,000港元。"},{"en":"Room and board: HKD750 per day, up to 180 days per policy year; benefit limits and exclusions apply.","zh-hant":"病房及膳食每日750港元，每保單年度最多180日；受保障限額及不保事項約束。","zh-hans":"病房及膳食每日750港元，每保单年度最多180日；受保障限额及不保事项约束。"}],"display":{"en":["Certified VHIS Standard Plan; annual benefit limit HKD420,000.","Room and board: HKD750 per day, up to 180 days per policy year; benefit limits and exclusions apply."],"zh-hant":["認可自願醫保標準計劃；每年保障限額420,000港元。","病房及膳食每日750港元，每保單年度最多180日；受保障限額及不保事項約束。"],"zh-hans":["认可自愿医保标准计划；每年保障限额420,000港元。","病房及膳食每日750港元，每保单年度最多180日；受保障限额及不保事项约束。"]},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html","page":null,"title":"Manulife Shelter VHIS Standard Plan — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Standard Plan","zh-hant":"標準計劃","zh-hans":"标准计划"}],"display":{"en":["Standard Plan"],"zh-hant":["標準計劃"],"zh-hans":["标准计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — current certified standard plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"標準計劃：表列指定保障每保單年度限額 HKD 420,000；另設個別保障限額。","zh-hans":"标准计划：表列指定保障每保单年度限额 HKD 420,000；另设个别保障限额。"}],"display":{"en":["Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["標準計劃：表列指定保障每保單年度限額 HKD 420,000；另設個別保障限額。"],"zh-hans":["标准计划：表列指定保障每保单年度限额 HKD 420,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00034/S00034-01-000-03-PlanDoc-e.pdf","page":42,"title":"Health Bureau — Manulife Shelter VHIS Standard Plan — Standard Plan benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"標準計劃：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"标准计划：表列指定保障不设终身总限额；个别项目限额仍适用。"}],"display":{"en":["Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["標準計劃：表列指定保障不設終身總限額；個別項目限額仍適用。"],"zh-hans":["标准计划：表列指定保障不设终身总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00034/S00034-01-000-03-PlanDoc-e.pdf","page":42,"title":"Health Bureau — Manulife Shelter VHIS Standard Plan — Standard Plan benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00034/S00034-01-000-03-PlanDoc-e.pdf","page":13,"title":"Health Bureau — Manulife Shelter VHIS Standard Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Treatment, tests and services that are not medically necessary are excluded.","zh-hant":"非醫療必需的治療、檢查及服務不受保。","zh-hans":"非医疗必需的治疗、检查及服务不受保。"},{"en":"Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","zh-hant":"美容服務不受保，保單所列意外及增強保障例外除外。","zh-hans":"美容服务不受保，保单所列意外及增强保障例外除外。"},{"en":"Selected exclusions only; consult the full policy and any case-based exclusions.","zh-hant":"僅列部分不保事項；須參閱完整保單及個別不保事項。","zh-hans":"仅列部分不保事项；须参阅完整保单及个别不保事项。"}],"display":{"en":["Treatment, tests and services that are not medically necessary are excluded.","Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","Selected exclusions only; consult the full policy and any case-based exclusions."],"zh-hant":["非醫療必需的治療、檢查及服務不受保。","美容服務不受保，保單所列意外及增強保障例外除外。","僅列部分不保事項；須參閱完整保單及個別不保事項。"],"zh-hans":["非医疗必需的治疗、检查及服务不受保。","美容服务不受保，保单所列意外及增强保障例外除外。","仅列部分不保事项；须参阅完整保单及个别不保事项。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00034/S00034-01-000-03-PlanDoc-e.pdf","page":24,"title":"Health Bureau — Manulife Shelter VHIS Standard Plan general exclusions","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"manulife-supreme-vhis","names":{"en":"Manulife Supreme VHIS Flexi Plan","zh-hant":"宏利晉悅自願醫保靈活計劃","zh-hans":"宏利晋悦自愿医保灵活计划"},"nameBasis":"insurer-published","insurerSlug":"manulife-international-limited","productPaths":["/insurers/manulife-international-limited/manulife-supreme-vhis/","/zh-hant/insurers/manulife-international-limited/manulife-supreme-vhis/","/zh-hans/insurers/manulife-international-limited/manulife-supreme-vhis/"],"insurerPaths":["/insurers/manulife-international-limited/","/zh-hant/insurers/manulife-international-limited/","/zh-hans/insurers/manulife-international-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay each policy year throughout life; premiums are not guaranteed.","zh-hant":"終身每保單年度繳費；保費並非保證。","zh-hans":"终身每保单年度缴费；保费并非保证。"}}],"display":{"en":["Renewable / Pay each policy year throughout life; premiums are not guaranteed."],"zh-hant":["可續保 / 終身每保單年度繳費；保費並非保證。"],"zh-hans":["可续保 / 终身每保单年度缴费；保费并非保证。"]},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html","page":null,"title":"Manulife Supreme VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證終身續保；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证终身续保；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證終身續保；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证终身续保；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00041/F00041-01-000-06-PlanDoc-e.pdf","page":13,"title":"Health Bureau — Manulife Supreme VHIS Flexi Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。"},{"en":"Example certified option: Advance (HKD0 Deductible) (HKD). Other options have separate terms.","zh-hant":"認可選項例子：精選（0 港元自付費）（HKD）。其他選項另有條款。","zh-hans":"认可选项例子：精选（0 港元自付费）（HKD）。其他选项另有条款。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","Example certified option: Advance (HKD0 Deductible) (HKD). Other options have separate terms."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","認可選項例子：精選（0 港元自付費）（HKD）。其他選項另有條款。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。","认可选项例子：精选（0 港元自付费）（HKD）。其他选项另有条款。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"Advance (HKD0 Deductible): HKD 12,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"精選（0 港元自付費）：表列指定保障每保單年度限額 HKD 12,000,000；另設個別保障限額。","zh-hans":"精选（0 港元自付费）：表列指定保障每保单年度限额 HKD 12,000,000；另设个别保障限额。"},{"en":"Smart (HKD0 Deductible): HKD 5,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"智選（0 港元自付費）：表列指定保障每保單年度限額 HKD 5,000,000；另設個別保障限額。","zh-hans":"智选（0 港元自付费）：表列指定保障每保单年度限额 HKD 5,000,000；另设个别保障限额。"},{"en":"Deluxe (HKD0 Deductible): HKD 30,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"優選 (0 港元自付費)：表列指定保障每保單年度限額 HKD 30,000,000；另設個別保障限額。","zh-hans":"优选 (0 港元自付费)：表列指定保障每保单年度限额 HKD 30,000,000；另设个别保障限额。"}],"display":{"en":["Advance (HKD0 Deductible): HKD 12,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","Smart (HKD0 Deductible): HKD 5,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","Deluxe (HKD0 Deductible): HKD 30,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["精選（0 港元自付費）：表列指定保障每保單年度限額 HKD 12,000,000；另設個別保障限額。","智選（0 港元自付費）：表列指定保障每保單年度限額 HKD 5,000,000；另設個別保障限額。","優選 (0 港元自付費)：表列指定保障每保單年度限額 HKD 30,000,000；另設個別保障限額。"],"zh-hans":["精选（0 港元自付费）：表列指定保障每保单年度限额 HKD 12,000,000；另设个别保障限额。","智选（0 港元自付费）：表列指定保障每保单年度限额 HKD 5,000,000；另设个别保障限额。","优选 (0 港元自付费)：表列指定保障每保单年度限额 HKD 30,000,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00041/F00041-01-000-06-PlanDoc-e.pdf","page":67,"title":"Health Bureau — Manulife Supreme VHIS Flexi Plan — Advance (HKD0 Deductible) benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00041/F00041-06-000-03-PlanDoc-e.pdf","page":66,"title":"Health Bureau — Manulife Supreme VHIS Flexi Plan — Smart (HKD0 Deductible) benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00041/F00041-10-000-01-PlanDoc-e.pdf","page":66,"title":"Health Bureau — Manulife Supreme VHIS Flexi Plan — Deluxe (HKD0 Deductible) benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"Advance (HKD0 Deductible): HKD 60,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"精選（0 港元自付費）：表列指定保障終身限額 HKD 60,000,000；另設個別保障限額。","zh-hans":"精选（0 港元自付费）：表列指定保障终身限额 HKD 60,000,000；另设个别保障限额。"},{"en":"Smart (HKD0 Deductible): HKD 20,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"智選（0 港元自付費）：表列指定保障終身限額 HKD 20,000,000；另設個別保障限額。","zh-hans":"智选（0 港元自付费）：表列指定保障终身限额 HKD 20,000,000；另设个别保障限额。"},{"en":"Deluxe (HKD0 Deductible): HKD 120,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"優選 (0 港元自付費)：表列指定保障終身限額 HKD 120,000,000；另設個別保障限額。","zh-hans":"优选 (0 港元自付费)：表列指定保障终身限额 HKD 120,000,000；另设个别保障限额。"}],"display":{"en":["Advance (HKD0 Deductible): HKD 60,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","Smart (HKD0 Deductible): HKD 20,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","Deluxe (HKD0 Deductible): HKD 120,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["精選（0 港元自付費）：表列指定保障終身限額 HKD 60,000,000；另設個別保障限額。","智選（0 港元自付費）：表列指定保障終身限額 HKD 20,000,000；另設個別保障限額。","優選 (0 港元自付費)：表列指定保障終身限額 HKD 120,000,000；另設個別保障限額。"],"zh-hans":["精选（0 港元自付费）：表列指定保障终身限额 HKD 60,000,000；另设个别保障限额。","智选（0 港元自付费）：表列指定保障终身限额 HKD 20,000,000；另设个别保障限额。","优选 (0 港元自付费)：表列指定保障终身限额 HKD 120,000,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00041/F00041-01-000-06-PlanDoc-e.pdf","page":67,"title":"Health Bureau — Manulife Supreme VHIS Flexi Plan — Advance (HKD0 Deductible) benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00041/F00041-10-000-01-PlanDoc-e.pdf","page":66,"title":"Health Bureau — Manulife Supreme VHIS Flexi Plan — Deluxe (HKD0 Deductible) benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00041/F00041-06-000-03-PlanDoc-e.pdf","page":67,"title":"Health Bureau — Manulife Supreme VHIS Flexi Plan — Smart (HKD0 Deductible) benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證終身續保；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证终身续保；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證終身續保；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证终身续保；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00041/F00041-01-000-06-PlanDoc-e.pdf","page":13,"title":"Health Bureau — Manulife Supreme VHIS Flexi Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Treatment, tests and services that are not medically necessary are excluded.","zh-hant":"非醫療必需的治療、檢查及服務不受保。","zh-hans":"非医疗必需的治疗、检查及服务不受保。"},{"en":"Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","zh-hant":"美容服務不受保，保單所列意外及增強保障例外除外。","zh-hans":"美容服务不受保，保单所列意外及增强保障例外除外。"},{"en":"Selected exclusions only; consult the full policy and any case-based exclusions.","zh-hant":"僅列部分不保事項；須參閱完整保單及個別不保事項。","zh-hans":"仅列部分不保事项；须参阅完整保单及个别不保事项。"}],"display":{"en":["Treatment, tests and services that are not medically necessary are excluded.","Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","Selected exclusions only; consult the full policy and any case-based exclusions."],"zh-hant":["非醫療必需的治療、檢查及服務不受保。","美容服務不受保，保單所列意外及增強保障例外除外。","僅列部分不保事項；須參閱完整保單及個別不保事項。"],"zh-hans":["非医疗必需的治疗、检查及服务不受保。","美容服务不受保，保单所列意外及增强保障例外除外。","仅列部分不保事项；须参阅完整保单及个别不保事项。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00041/F00041-01-000-06-PlanDoc-e.pdf","page":24,"title":"Health Bureau — Manulife Supreme VHIS Flexi Plan general exclusions","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]}]}