ByCompany

Liberty International Insurance Limited — same-insurer plan comparison

Liberty International Insurance Limited · 6 plan series (6 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

6/6

Liberty Insurance Standard VHIS Plan

利寶國際自願醫保標準計劃

Ver. Jul 1, 2021

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00017-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Liberty Insurance VHIS Series - Flexi Plan (Classic) - Flexi Plan (Classic)

利寶國際自願醫保系列 – 靈活計劃(基本) - 靈活計劃（基本）

Ver. Jul 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00047-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: 所規限
Per-illness limit: —
SMM Supplemental Major Medical: —

Liberty Insurance VHIS Series - Flexi Plan (Classic) - Flexi Plan (Classic with SMM)

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）

Ver. Jul 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00047-01-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: 所規限
Per-illness limit: —
SMM Supplemental Major Medical: $100,000 · 20% co-insurance

Liberty Insurance VHIS Series - Flexi Plan (Plus) - Flexi Plan (Plus)

利寶國際自願醫保系列 – 靈活計劃(升級) - 靈活計劃（升級）

Ver. Jul 1, 2021

Score74/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00048-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: 所規限
Per-illness limit: —
SMM Supplemental Major Medical: —

Liberty Insurance VHIS Series - Flexi Plan (Plus) - Flexi Plan (Plus with SMM)

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）

Ver. Jul 1, 2021

Score74/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00048-01-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: 所規限
Per-illness limit: —
SMM Supplemental Major Medical: $200,000 · 20% co-insurance

Liberty Insurance VHIS Series - Flexi Plan (Premium) - Flexi Plan (Premium)

利寶國際自願醫保系列 – 靈活計劃(尊尚) - 靈活計劃（尊尚）

Ver. Jul 1, 2021

Score88/100

FlexiCat 2Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00046-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$2,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

計劃名稱

Liberty Insurance Standard VHIS Plan

利寶國際自願醫保標準計劃

Cat 1

Ver. Jul 1, 2021

VHIS Cert. No.

S00017-01-000-02Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

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

—

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

$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

(f) Surgeon's fee — Minor

$5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) 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

Outpatient kidney dialysis

—

Daily post-surgery home nursing benefit

—

Hospital companion bed fee reimbursement

—

Cash Benefits Cash

Day surgery cash benefit

—

Second-claim cash allowance

—

Event Benefits Event

Compassionate death benefit

$8,800

計劃名稱

Liberty Insurance Standard VHIS Plan

利寶國際自願醫保標準計劃

Cat 1

Ver. Jul 1, 2021

計劃 1 / 6

利寶國際自願醫保標準計劃

Liberty Insurance Standard VHIS Plan

標準Cat 1Ver. Jul 1, 2021保障評分 59/100

VHIS 認可編號: S00017-01-000-02
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 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
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 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

額外保障 Extra

門診洗腎: —
家中看護: —
住院陪床: —

現金保障 Cash

日間手術現金惠益: —
第二索償現金津貼: —

事件保障 Event

恩恤身故賠償: $8,800

計劃 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)

靈活Cat 1Ver. Jul 1, 2021保障評分 65/100

VHIS 認可編號: F00047-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: 所規限
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 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
(f) 外科醫生費 — 小型: $7,500
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $30,000
(f) 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

額外保障 Extra

門診洗腎: —
家中看護: —
住院陪床: $450 per day

現金保障 Cash

日間手術現金惠益: $500
第二索償現金津貼: $1,000

事件保障 Event

恩恤身故賠償: —

計劃 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)

靈活Cat 1Ver. Jul 1, 2021保障評分 65/100

VHIS 認可編號: F00047-01-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: 所規限
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $100,000 · 20% co-insurance
自付費選項: —

基本保障 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
(f) 外科醫生費 — 小型: $7,500
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $30,000
(f) 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

額外保障 Extra

門診洗腎: —
家中看護: —
住院陪床: $450 per day

現金保障 Cash

日間手術現金惠益: $500
第二索償現金津貼: $1,000

事件保障 Event

恩恤身故賠償: —

計劃 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)

靈活Cat 1Ver. Jul 1, 2021保障評分 74/100

VHIS 認可編號: F00048-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: 所規限
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 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
(f) 外科醫生費 — 小型: $10,000
(f) 外科醫生費 — 中型: $18,000
(f) 外科醫生費 — 大型: $35,000
(f) 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

額外保障 Extra

門診洗腎: $80,000 per Policy Year
家中看護: —
住院陪床: $550 per day

現金保障 Cash

日間手術現金惠益: $600
第二索償現金津貼: $2,000

事件保障 Event

恩恤身故賠償: —

計劃 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)

靈活Cat 1Ver. Jul 1, 2021保障評分 74/100

VHIS 認可編號: F00048-01-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: 所規限
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $200,000 · 20% co-insurance
自付費選項: —

基本保障 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
(f) 外科醫生費 — 小型: $10,000
(f) 外科醫生費 — 中型: $18,000
(f) 外科醫生費 — 大型: $35,000
(f) 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

額外保障 Extra

門診洗腎: $80,000 per Policy Year
家中看護: —
住院陪床: $550 per day

現金保障 Cash

日間手術現金惠益: $600
第二索償現金津貼: $2,000

事件保障 Event

恩恤身故賠償: —

計劃 6 / 6

利寶國際自願醫保系列 – 靈活計劃(尊尚) - 靈活計劃（尊尚）

Liberty Insurance VHIS Series - Flexi Plan (Premium) - Flexi Plan (Premium)

靈活Cat 2Ver. Jul 1, 2021保障評分 88/100

VHIS 認可編號: F00046-01-000-02
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$2,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 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
(f) 外科醫生費 — 小型: No monetary cap
(f) 外科醫生費 — 中型: No monetary cap
(f) 外科醫生費 — 大型: No monetary cap
(f) 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
(l) 精神科治療: $40,000 per Policy Year

額外保障 Extra

門診洗腎: No monetary cap
家中看護: $10,000 per Policy Year
住院陪床: No monetary cap

現金保障 Cash

日間手術現金惠益: $800
第二索償現金津貼: $2,000

事件保障 Event

恩恤身故賠償: —