Manulife ManuMedic Plus

Manulife's ManuMedic Plus VHIS Flexi plan provides HK$15M annual benefit with sub-limits of HK$75,000 for surgery and HK$120,000 for ICU per day — comprehensive enough for major events at private hospitals. The plan's competitive advantage is its hospital network: direct billing is available at all major HK private hospitals (Matilda, Hong Kong Sanatorium, St Teresa's, Gleneagles) without requiring pre-authorization for most procedures. Cancer treatment riders can be added for an additional HK$2,000-4,000/year depending on age and risk profile.