Your health is your greatest asset

Voluntary Health Insurance Scheme (“VHIS”) initiated by the Hong Kong SAR Government aims to standardise and improve the protection level of medical insurance products in the market. VHIS Certified Plans give you the care and protection needed with affordable plan choices.

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 should read the product leaflet, policy provisions, related product documents and understand the product's nature, features, risks and exclusions before proceeding with application on Manulife’s website.

 

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Why choose Manulife Shelter VHIS Standard Plan

VHIS’ core benefits cover expenses incurred from diagnostic tests to post-treatment care, featured benefits include:

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.

Upfront claimable amount estimate

Easy budgeting by sending Manulife your estimated charges from your medical provider. Manulife will then give you an upfront claimable amount estimate with reference to your coverage under the plan.

Extensive and worldwide1 coverage

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

Rewards

  • ManulifeMOVE3 – Achieve specific activity goals and enjoy premium discount of up to 10% for the next policy year.
  • Health discount4 – Enjoy up to 16% discount if no claim has been made for at least 2 consecutive policy years.
  • Tax benefits – Enjoy a maximum tax-deductible premium of HK$8,000 per insured person per year for premiums paid for a VHIS policy.

Key benefits

Annual benefit limitHK$420,000 per policy year
Room and boardHK$750 per day
Maximum 180 days per policy year
Miscellaneous chargesHK$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 treatmentsHK$80,000 per policy year

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 should read the product leaflet, policy provisions, related product documents and understand the product's nature, features, risks and exclusions before proceeding with application on Manulife’s website.


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Quick Facts about HK hospital services

In 2018, the waiting time for new case bookings for Specialist clinics could take as long as 118 weeks5

The median expenditure of staying in a private hospital is HK$45,0006 – close to 3 times7 of median personal income in Hong Kong

Median fees for surgical operations have increased by 33%8 over the past 4 years

In average only 66%-76%9 of hospitalization expenses are covered by group medical insurance

 

Do you have enough savings to cover your medical expenses?

Explore our Voluntary Health Insurance 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)

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 should read the product leaflet, policy provisions, related product documents and understand the product's nature, features, risks and exclusions before proceeding with application on Manulife’s website.

 

Get a quote
Remarks:
  1. Except for the psychiatric treatment offered , all benefits described in these Terms and Benefits shall be applicable worldwide.
  2. 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.
  3. 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.
  4. Health discount is applied to the premium due and payable in the following policy year after no claim period.
  5. Source - Hospital Authority: Waiting Time for New Case Bookings at Specialist Out-patient Clinics (January 1 – December 31, 2018). The waiting time for stable new case bookings in the New Territories West could be as long as 118 weeks.
  6. 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)
  7. 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
  8. 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
  9. Source - The Hong Kong Federation of Insurers, Medical Claims Statistics 2016

Important Notes:
  1. The above insurance plan is a life insurance plan underwritten by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (“Manulife”). DBS Bank is acting as a licensed insurance agency of Manulife.
  2. The below is provided to you in the Bank’s capacity as an authorized institution regulated by the Hong Kong Monetary Authority.
    • The product 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.
  3. This webpage is only a reference. You should not base solely on this website to make decision on applying for the product. The risks disclosed above are not exhaustive and you should refer to the product leaflet, proposal and policy provision for the risk disclosures and exact terms and conditions and if in doubt, seek independent professional advice.
  4. This webpage is only for use in Hong Kong Special Administrative Region.

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