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Liberty International Insurance Limited — same-insurer plan comparison
Liberty International Insurance Limited · 6 plan series (6 variants, sorted from basic to comprehensive)
項目
Highlights
VHIS cert no.
S00017-01-000-02Benefits PDFPremiums PDF
F00047-01-000-02Benefits PDFPremiums PDF
F00047-01-001-02Benefits PDFPremiums PDF
F00048-01-000-02Benefits PDFPremiums PDF
F00048-01-001-02Benefits PDFPremiums PDF
F00046-01-000-02Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Asia
Ward
N/A (capped)
Ward
Ward
Semi-Private Room
Semi-Private Room
Semi-Private Room
Lifetime limit
—
—
—
—
—
—
Annual limit
Per illness
—
—
—
—
—
—
SMM top-up
—
—
—
—
No-Claim Bonus
—
—
—
—
—
—
Deductible
—
—
—
—
—
—
Version
Jul 1, 2021
Jul 1, 2021
Jul 1, 2021
Jul 1, 2021
Jul 1, 2021
Jul 1, 2021
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,350 per day, maximum 180 days per Policy Year
$1,350 per day, maximum 180 days per Policy Year
No monetary cap, maximum 180 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
$18,000 per Policy Year
$18,000 per Policy Year
$23,000 per Policy Year
$23,000 per Policy Year
No monetary cap
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,350 per day, maximum 180 days per Policy Year
$1,350 per day, maximum 180 days per Policy Year
No monetary cap, maximum 180 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
$5,000 per Policy Year
$5,000 per Policy Year
$6,000 per Policy Year
$6,000 per Policy Year
No monetary cap
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$3,800 per day, maximum 25 days per Policy Year
$3,800 per day, maximum 25 days per Policy Year
$4,300 per day, maximum 25 days per Policy Year
$4,300 per day, maximum 25 days per Policy Year
No monetary cap, maximum 25 days per Policy Year
Surgeon's fee — Minor
$5,000
$7,500
$7,500
$10,000
$10,000
No monetary cap
Surgeon's fee — Intermediate
$12,500
$15,000
$15,000
$18,000
$18,000
No monetary cap
Surgeon's fee — Major
$25,000
$30,000
$30,000
$35,000
$35,000
No monetary cap
Surgeon's fee — Complex
$50,000
$60,000
$60,000
$70,000
$70,000
No monetary cap
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
No monetary cap
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
No monetary cap
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
No monetary cap. Coinsurance: 0%
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$90,000 per Policy Year
$90,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
No monetary cap
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$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
$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
$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
$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
$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
No monetary cap per visit; up to 1 pre-admission visit; up to 3 post-discharge follow-up visits within 90 days
(l) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
$40,000 per Policy Year
Extra Benefits Extra
Inpatient-related
Hospital companion bed fee reimbursement
—
$450 per day
$450 per day
$550 per day
$550 per day
No monetary cap
Private nursing fee (during Confinement)
—
—
—
—
—
$10,000 per Policy Year
Outpatient-related
Outpatient kidney dialysis
—
—
—
$80,000 per Policy Year
$80,000 per Policy Year
No monetary cap
Cash Benefits Cash
Day surgery cash benefit
—
Subject to the Annual Benefit Limit
Subject to the Annual Benefit Limit
Subject to the Annual Benefit Limit
Subject to the Annual Benefit Limit
$800 per day
Second-claim cash allowance
—
$1,000 per Confinement
$1,000 per Confinement
$2,000 per Confinement
$2,000 per Confinement
$2,000 per Confinement
VHIS cert no.
S00017-01-000-02Benefits PDFPremiums PDF
Coverage region
Worldwide
Ward class
N/A (capped)
Lifetime benefit limit
—
Annual benefit limit
HK$420,000
Per-illness benefit limit
—
SMM Supplemental Major Medical
—
No-Claim Bonus
—
Deductible Options
—
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
$5,000
Surgeon's fee — Intermediate
$12,500
Surgeon's fee — Major
$25,000
Surgeon's fee — Complex
$50,000
(g) Anaesthetist's fee
35% of Surgeon's fee payable
(h) Operating theatre charges
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$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
(l) Psychiatric treatments
$30,000 per Policy Year
Extra Benefits Extra
Inpatient-related
Hospital companion bed fee reimbursement
—
Private nursing fee (during Confinement)
—
Outpatient-related
Outpatient kidney dialysis
—
Cash Benefits Cash
Day surgery cash benefit
—
Second-claim cash allowanceAfter other pays
—
Plan 1 / 6
利寶國際自願醫保標準計劃
Liberty Insurance Standard VHIS Plan
Entry-level PickVer. Jul 1, 2021
- VHIS cert no.
- S00017-01-000-02
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $14,000 per Policy Year
- (c) 主診醫生巡房費
- $750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $4,300 per Policy Year
- (e) 深切治療
- $3,500 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 外科醫生費 — 複雜
- $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
- $20,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $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
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 門診洗腎
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
Plan 2 / 6
利寶國際自願醫保系列 – 靈活計劃(基本) - 靈活計劃（基本）
Liberty Insurance VHIS Series - Flexi Plan (Classic) - Flexi Plan (Classic)
Step UpVer. Jul 1, 2021
- VHIS cert no.
- F00047-01-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$500,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $18,000 per Policy Year
- (c) 主診醫生巡房費
- $1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $5,000 per Policy Year
- (e) 深切治療
- $3,800 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- $7,500
- 外科醫生費 — 中型
- $15,000
- 外科醫生費 — 大型
- $30,000
- 外科醫生費 — 複雜
- $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
- $20,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $90,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $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
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 門診洗腎
- —
- 住院陪床
- $450 per day
- 私家看護費 (住院期間)
- —
Cash Benefits Cash
- 日間手術現金惠益
- $500
- 第二索償現金津貼
- $1,000
Plan 3 / 6
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）
Liberty Insurance VHIS Series - Flexi Plan (Classic) - Flexi Plan (Classic with SMM)
Step UpVer. Jul 1, 2021
- VHIS cert no.
- F00047-01-001-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$500,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$100,000／per policy year, 20% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $18,000 per Policy Year
- (c) 主診醫生巡房費
- $1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $5,000 per Policy Year
- (e) 深切治療
- $3,800 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- $7,500
- 外科醫生費 — 中型
- $15,000
- 外科醫生費 — 大型
- $30,000
- 外科醫生費 — 複雜
- $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
- $20,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $90,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $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
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 門診洗腎
- —
- 住院陪床
- $450 per day
- 私家看護費 (住院期間)
- —
Cash Benefits Cash
- 日間手術現金惠益
- $500
- 第二索償現金津貼
- $1,000
Plan 4 / 6
利寶國際自願醫保系列 – 靈活計劃(升級) - 靈活計劃（升級）
Liberty Insurance VHIS Series - Flexi Plan (Plus) - Flexi Plan (Plus)
Step UpVer. Jul 1, 2021
- VHIS cert no.
- F00048-01-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,350 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $23,000 per Policy Year
- (c) 主診醫生巡房費
- $1,350 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $6,000 per Policy Year
- (e) 深切治療
- $4,300 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- $10,000
- 外科醫生費 — 中型
- $18,000
- 外科醫生費 — 大型
- $35,000
- 外科醫生費 — 複雜
- $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
- $30,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $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
- (l) 精神科治療
- $35,000 per Policy Year
Extra Benefits Extra
- 門診洗腎
- $80,000 per Policy Year
- 住院陪床
- $550 per day
- 私家看護費 (住院期間)
- —
Cash Benefits Cash
- 日間手術現金惠益
- $600
- 第二索償現金津貼
- $2,000
Plan 5 / 6
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）
Liberty Insurance VHIS Series - Flexi Plan (Plus) - Flexi Plan (Plus with SMM)
Step UpVer. Jul 1, 2021
- VHIS cert no.
- F00048-01-001-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$200,000／per policy year, 20% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,350 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $23,000 per Policy Year
- (c) 主診醫生巡房費
- $1,350 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $6,000 per Policy Year
- (e) 深切治療
- $4,300 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- $10,000
- 外科醫生費 — 中型
- $18,000
- 外科醫生費 — 大型
- $35,000
- 外科醫生費 — 複雜
- $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
- $30,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $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
- (l) 精神科治療
- $35,000 per Policy Year
Extra Benefits Extra
- 門診洗腎
- $80,000 per Policy Year
- 住院陪床
- $550 per day
- 私家看護費 (住院期間)
- —
Cash Benefits Cash
- 日間手術現金惠益
- $600
- 第二索償現金津貼
- $2,000
Plan 6 / 6
利寶國際自願醫保系列 – 靈活計劃(尊尚)
Liberty Insurance VHIS Series - Flexi Plan (Premium)
Best ValueVer. Jul 1, 2021
- VHIS cert no.
- F00046-01-000-02
- Plan Type
- Flexi
- Coverage region
- Asia
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$2,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- No monetary cap, maximum 180 days per Policy Year
- (b) 雜項開支
- No monetary cap
- (c) 主診醫生巡房費
- No monetary cap, maximum 180 days per Policy Year
- (d) 專科醫生費
- No monetary cap
- (e) 深切治療
- No monetary cap, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- No monetary cap
- 外科醫生費 — 中型
- No monetary cap
- 外科醫生費 — 大型
- No monetary cap
- 外科醫生費 — 複雜
- No monetary cap
- (g) 麻醉科醫生費
- No monetary cap
- (h) 手術室費
- No monetary cap
- (i) 訂明診斷成像檢測
- No monetary cap. Coinsurance: 0%
- (j) 訂明非手術癌症治療
- No monetary cap
- (k) 入院前或出院後／日間手術前後的門診護理
- 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
- $40,000 per Policy Year
Extra Benefits Extra
- 門診洗腎
- No monetary cap
- 住院陪床
- No monetary cap
- 私家看護費 (住院期間)
- $10,000 per Policy Year
Cash Benefits Cash
- 日間手術現金惠益
- $800
- 第二索償現金津貼
- $2,000