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）

Liberty International Insurance Limited

Add to compare

Your premium

HK$4,452 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$500,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$100,000／per policy year, 20% coinsurance

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	$1,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$18,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$5,000 per Policy Year
(e) Intensive care (e) 深切治療	$3,800 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$7,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$15,000
Surgeon's fee — Major 外科醫生費 — 大型	$30,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$60,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$90,000 per Policy Year
(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	$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) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 加床費用	$450 per day
Cash Benefits
Day surgery cash benefit 於「網絡供應者」接受「特定日間手術」	Subject to the Annual Benefit Limit
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$1,000 per Confinement
Day surgery cash benefit 於「網絡供應者」接受「特定日間手術」現金津貼	$500 per day

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$18,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$5,000 per Policy Year
(e) Intensive care
(e) 深切治療
$3,800 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$7,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$15,000
Surgeon's fee — Major
外科醫生費 — 大型
$30,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$60,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$90,000 per Policy Year
(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
$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) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
加床費用
$450 per day

Cash Benefits

Day surgery cash benefit
於「網絡供應者」接受「特定日間手術」
Subject to the Annual Benefit Limit
Second-claim cash allowanceAfter other pays
第二索償現金津貼
$1,000 per Confinement
Day surgery cash benefit
於「網絡供應者」接受「特定日間手術」現金津貼
$500 per day

Premium Schedule

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

Age	Premium
0	HK$4,675
1	HK$4,675
2	HK$4,675
3	HK$4,675
4	HK$4,675
5	HK$4,675
6	HK$4,675
7	HK$4,675
8	HK$4,675
9	HK$4,675
10	HK$4,675
11	HK$4,675
12	HK$4,675
13	HK$4,675
14	HK$4,675
15	HK$4,675
16	HK$4,675
17	HK$4,675
18	HK$3,116
19	HK$3,210
20	HK$3,306
21	HK$3,406
22	HK$3,508
23	HK$3,612
24	HK$3,722
25	HK$3,833
26	HK$3,947
27	HK$4,066
28	HK$4,188
29	HK$4,314
30	HK$4,452
31	HK$4,555
32	HK$4,668
33	HK$4,785
34	HK$4,905
35	HK$5,028
36	HK$5,178
37	HK$5,333
38	HK$5,493
39	HK$5,658
40	HK$5,828
41	HK$6,031
42	HK$6,243
43	HK$6,462
44	HK$6,688
45	HK$6,922
46	HK$7,198
47	HK$7,487
48	HK$7,786
49	HK$8,097
50	HK$8,422
51	HK$8,758
52	HK$9,109
53	HK$9,473
54	HK$9,852
55	HK$10,246
56	HK$10,707
57	HK$11,188
58	HK$11,692
59	HK$12,219
60	HK$12,768
61	HK$13,407
62	HK$14,077
63	HK$14,781
64	HK$15,519
65	HK$16,295
66	HK$17,192
67	HK$18,138
68	HK$19,135
69	HK$20,188
70	HK$21,298
71	HK$22,097
72	HK$22,925
73	HK$23,784
74	HK$24,677
75	HK$25,602
76	HK$26,561
77	HK$27,558
78	HK$28,591
79	HK$29,664
80	HK$30,776
81	HK$31,930
82	HK$33,127
83	HK$34,369
84	HK$35,658
85	HK$36,996
86	HK$38,384
87	HK$39,822
88	HK$41,316
89	HK$42,865
90	HK$44,472
91	HK$46,141
92	HK$47,871
93	HK$49,665
94	HK$51,529
95	HK$53,460
96	HK$55,466
97	HK$57,545
98	HK$59,703
99	HK$61,942

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

)

View details →

with SMM)

Current page

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

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.