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VHIS FlexiF00046-01-000-02

Liberty Insurance VHIS Series - Flexi Plan (Premium)

利寶國際自願醫保系列 – 靈活計劃(尊尚)

Liberty Insurance VHIS Series - Flexi Plan (Premium) is a VHIS Flexi plan offered by Liberty International Insurance Limited, with ward class Semi-Private Room, Asia (excluding Australia/New Zealand) coverage and HK$2,000,000 annual benefit limit. Latest plan-document version: Jul 1, 2021.

01 · Plan at a glance

Quote a premium by age, gender and smoking status

Your premium

HK$10,600 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia (excluding Australia/New Zealand)

Deductible

—

Annual benefit limit

HK$2,000,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

—

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	No monetary cap, maximum 180 days per Policy YearR&C
(b) Miscellaneous charges (b) 雜項開支	No monetary capR&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	No monetary cap, maximum 180 days per Policy YearR&C
(d) Specialist's fee (d) 專科醫生費	No monetary capR&C
(e) Intensive care (e) 深切治療	No monetary cap, maximum 25 days per Policy YearR&C
Surgeon's fee — Minor 外科醫生費 — 小型	No monetary capR&C
Surgeon's fee — Intermediate 外科醫生費 — 中型	No monetary capR&C
Surgeon's fee — Major 外科醫生費 — 大型	No monetary capR&C
Surgeon's fee — Complex 外科醫生費 — 複雜	No monetary capR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	No monetary capR&C
(h) Operating theatre charges (h) 手術室費	No monetary capR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	No monetary cap. Coinsurance: 0%R&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	No monetary capR&C
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (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 daysR&C
(l) Psychiatric treatments (l) 精神科治療	$40,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 加床費用	No monetary capR&C
Private nursing fee (during Confinement) 私家看護	$10,000 per Policy Year
Outpatient kidney dialysis 門診腎透析	No monetary capR&C
Cash Benefits
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$2,000 per Confinement
Day surgery cash benefit 於「網絡供應者」接受「特定日間手術」現金津貼	$800 per day

Basic Benefits

(a) Room and board
(a) 病房及膳食
No monetary cap, maximum 180 days per Policy YearR&C
(b) Miscellaneous charges
(b) 雜項開支
No monetary capR&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
No monetary cap, maximum 180 days per Policy YearR&C
(d) Specialist's fee
(d) 專科醫生費
No monetary capR&C
(e) Intensive care
(e) 深切治療
No monetary cap, maximum 25 days per Policy YearR&C
Surgeon's fee — Minor
外科醫生費 — 小型
No monetary capR&C
Surgeon's fee — Intermediate
外科醫生費 — 中型
No monetary capR&C
Surgeon's fee — Major
外科醫生費 — 大型
No monetary capR&C
Surgeon's fee — Complex
外科醫生費 — 複雜
No monetary capR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
No monetary capR&C
(h) Operating theatre charges
(h) 手術室費
No monetary capR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
No monetary cap. Coinsurance: 0%R&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
No monetary capR&C
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(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 daysR&C
(l) Psychiatric treatments
(l) 精神科治療
$40,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
加床費用
No monetary capR&C
Private nursing fee (during Confinement)
私家看護
$10,000 per Policy Year
Outpatient kidney dialysis
門診腎透析
No monetary capR&C

Cash Benefits

Second-claim cash allowanceAfter other pays
第二索償現金津貼
$2,000 per Confinement
Day surgery cash benefit
於「網絡供應者」接受「特定日間手術」現金津貼
$800 per day

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$11,130
1	HK$11,130
2	HK$11,130
3	HK$11,130
4	HK$11,130
5	HK$11,130
6	HK$11,130
7	HK$11,130
8	HK$11,130
9	HK$11,130
10	HK$11,130
11	HK$11,130
12	HK$11,130
13	HK$11,130
14	HK$11,130
15	HK$11,130
16	HK$11,130
17	HK$11,130
18	HK$7,420
19	HK$7,643
20	HK$7,872
21	HK$8,108
22	HK$8,352
23	HK$8,602
24	HK$8,859
25	HK$9,126
26	HK$9,399
27	HK$9,681
28	HK$9,971
29	HK$10,271
30	HK$10,600
31	HK$10,844
32	HK$11,115
33	HK$11,393
34	HK$11,677
35	HK$11,970
36	HK$12,329
37	HK$12,698
38	HK$13,079
39	HK$13,472
40	HK$13,875
41	HK$14,361
42	HK$14,864
43	HK$15,384
44	HK$15,922
45	HK$16,480
46	HK$17,139
47	HK$17,825
48	HK$18,537
49	HK$19,279
50	HK$20,051
51	HK$20,852
52	HK$21,687
53	HK$22,554
54	HK$23,457
55	HK$24,395
56	HK$25,492
57	HK$26,639
58	HK$27,838
59	HK$29,091
60	HK$30,400
61	HK$31,920
62	HK$33,516
63	HK$35,192
64	HK$36,952
65	HK$38,799
66	HK$40,933
67	HK$43,184
68	HK$45,559
69	HK$48,065
70	HK$50,708
71	HK$52,610
72	HK$54,583
73	HK$56,629
74	HK$58,754
75	HK$60,956
76	HK$63,243
77	HK$65,614
78	HK$68,074
79	HK$70,628
80	HK$73,276
81	HK$76,024
82	HK$78,875
83	HK$81,833
84	HK$84,902
85	HK$88,085
86	HK$91,388
87	HK$94,816
88	HK$98,371
89	HK$102,060
90	HK$105,888
91	HK$109,858
92	HK$113,978
93	HK$118,251
94	HK$122,687
95	HK$127,287
96	HK$132,060
97	HK$137,012
98	HK$142,150
99	HK$147,481

How to apply for this plan

This plan is offered by Liberty International Insurance Limited. To apply, contact Liberty International Insurance Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jul 1, 2021
Plan data updated: 2026-04-25

Liberty Insurance VHIS Series - Flexi Plan (Premium)

01 · Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款