BY COMPANY
Liberty — same-insurer plan comparison
Liberty International Insurance Limited · 6 plan series · 6 variants
Liberty International Insurance Limited offers 6 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 5 Flexi), covering Asia (excluding Australia/New Zealand) and Worldwide (including United States), across Semi-Private Room, Ward and No ward-class restriction (item limits apply) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Jul 1, 2021
利寶國際自願醫保標準計劃
- VHIS cert no.
- S00017-01-000-02
- Plan Type
- Standard
- Main coverage region
- Worldwide (including United States)
- Ward class
- No ward-class restriction (item limits apply)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$50,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$3,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits
- 門診洗腎
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
Cash Benefits
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
$750 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$30,000 per Policy Year
利寶國際自願醫保系列 – 靈活計劃(基本) - 靈活計劃（基本）
- VHIS cert no.
- F00047-01-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- HK$500,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$5,000 per Policy Year
- (e) 深切治療
- HK$3,800 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$7,500
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$30,000
- 外科醫生費 — 複雜
- HK$60,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$90,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$4,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits
- 門診洗腎
- —
- 住院陪床
- HK$450 per day
- 私家看護費 (住院期間)
- —
Cash Benefits
- 日間手術現金惠益
- $500
- 第二索償現金津貼
- $1,000
$1,000 per day, maximum 180 days per Policy Year
$18,000 per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$5,000 per Policy Year
$3,800 per day, maximum 25 days per Policy Year
$7,500
$15,000
$30,000
$60,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$90,000 per Policy Year
$580 per visit, $4,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$30,000 per Policy Year
Subject to the Annual Benefit Limit $500 per day
$450 per day
$1,000 per Confinement
利寶國際自願醫保系列 – 靈活計劃(基本) - 靈活計劃（基本+附加醫療保障）
- VHIS cert no.
- F00047-01-001-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- HK$500,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$100,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$5,000 per Policy Year
- (e) 深切治療
- HK$3,800 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$7,500
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$30,000
- 外科醫生費 — 複雜
- HK$60,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$90,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$4,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits
- 門診洗腎
- —
- 住院陪床
- HK$450 per day
- 私家看護費 (住院期間)
- —
Cash Benefits
- 日間手術現金惠益
- $500
- 第二索償現金津貼
- $1,000
HK$100,000／per policy year, 20% coinsurance
$1,000 per day, maximum 180 days per Policy Year
$18,000 per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$5,000 per Policy Year
$3,800 per day, maximum 25 days per Policy Year
$7,500
$15,000
$30,000
$60,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$90,000 per Policy Year
$580 per visit, $4,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$30,000 per Policy Year
Subject to the Annual Benefit Limit $500 per day
$450 per day
$1,000 per Confinement
利寶國際自願醫保系列 – 靈活計劃(升級) - 靈活計劃（升級）
- VHIS cert no.
- F00048-01-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,350 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$23,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,350 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$4,300 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$10,000
- 外科醫生費 — 中型
- HK$18,000
- 外科醫生費 — 大型
- HK$35,000
- 外科醫生費 — 複雜
- HK$70,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$680 per visit, HK$4,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$35,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$80,000 per Policy Year
- 住院陪床
- HK$550 per day
- 私家看護費 (住院期間)
- —
Cash Benefits
- 日間手術現金惠益
- $600
- 第二索償現金津貼
- $2,000
$1,350 per day, maximum 180 days per Policy Year
$23,000 per Policy Year
$1,350 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$4,300 per day, maximum 25 days per Policy Year
$10,000
$18,000
$35,000
$70,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$680 per visit, $4,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$35,000 per Policy Year
$80,000 per Policy Year
Subject to the Annual Benefit Limit $600 per day
$550 per day
$2,000 per Confinement
利寶國際自願醫保系列 – 靈活計劃(升級) - 靈活計劃（升級+附加醫療保障）
- VHIS cert no.
- F00048-01-001-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$200,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,350 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$23,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,350 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$4,300 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$10,000
- 外科醫生費 — 中型
- HK$18,000
- 外科醫生費 — 大型
- HK$35,000
- 外科醫生費 — 複雜
- HK$70,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$680 per visit, HK$4,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$35,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$80,000 per Policy Year
- 住院陪床
- HK$550 per day
- 私家看護費 (住院期間)
- —
Cash Benefits
- 日間手術現金惠益
- $600
- 第二索償現金津貼
- $2,000
HK$200,000／per policy year, 20% coinsurance
$1,350 per day, maximum 180 days per Policy Year
$23,000 per Policy Year
$1,350 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$4,300 per day, maximum 25 days per Policy Year
$10,000
$18,000
$35,000
$70,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$680 per visit, $4,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$35,000 per Policy Year
$80,000 per Policy Year
Subject to the Annual Benefit Limit $600 per day
$550 per day
$2,000 per Confinement
利寶國際自願醫保系列 – 靈活計劃(尊尚)
- VHIS cert no.
- F00046-01-000-02
- Plan Type
- Flexi
- Main coverage region
- Asia (excluding Australia/New Zealand)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$2,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- Full reimbursementNo monetary cap, maximum 180 days per Policy Year
- (b) 雜項開支
- Full reimbursementNo monetary cap
- (c) 主診醫生巡房費
- Full reimbursementNo monetary cap, maximum 180 days per Policy Year
- (d) 專科醫生費
- Full reimbursementNo monetary cap
- (e) 深切治療
- Full reimbursementNo monetary cap, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- Full reimbursementNo monetary cap
- 外科醫生費 — 中型
- Full reimbursementNo monetary cap
- 外科醫生費 — 大型
- Full reimbursementNo monetary cap
- 外科醫生費 — 複雜
- Full reimbursementNo monetary cap
- (g) 麻醉科醫生費
- Full reimbursementNo monetary cap
- (h) 手術室費
- Full reimbursementNo monetary cap
- (i) 訂明診斷成像檢測
- Full reimbursementNo monetary capCoinsurance: 0%
- (j) 訂明非手術癌症治療
- Full reimbursementNo monetary cap
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement No monetary cap per visit up to 1 pre-admission visit up to 3 post-discharge follow-up visits within 90 days
- (l) 精神科治療
- HK$40,000 per Policy Year
Extra Benefits
- 門診洗腎
- Full reimbursementNo monetary cap
- 住院陪床
- Full reimbursementNo monetary cap
- 私家看護費 (住院期間)
- HK$10,000 per Policy Year
Cash Benefits
- 日間手術現金惠益
- $800
- 第二索償現金津貼
- $2,000
No monetary cap, maximum 180 days per Policy Year
No monetary cap
No monetary cap, maximum 180 days per Policy Year
No monetary cap
No monetary cap, maximum 25 days per Policy Year
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap. Coinsurance: 0%
No monetary cap
No monetary cap per visit; up to 1 pre-admission visit; up to 3 post-discharge follow-up visits within 90 days
$40,000 per Policy Year
No monetary cap
$10,000 per Policy Year
$800 per day
No monetary cap
$2,000 per Confinement
“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.