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）
Liberty International Insurance Limited
Liberty Insurance VHIS Series - Flexi Plan (Classic) - Flexi Plan (Classic) is a VHIS Flexi plan offered by Liberty International Insurance Limited, with no ward-class restriction, Worldwide (including United States) coverage and HK$500,000 annual benefit limit. Latest plan-document version: Jul 1, 2021.
Your premium
HK$3,710 /yr
Plan at a glance
- Ward class
- No ward-class restriction
- Coverage region
- Worldwide (including United States)
- Deductible
- —
- Annual benefit limit
- HK$500,000
- 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 | $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 |
- (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
- Hospital companion bed fee reimbursement加床費用$450 per day
- 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$3,896 |
| 5 | HK$3,896 |
| 10 | HK$3,896 |
| 15 | HK$3,896 |
| 20 | HK$2,755 |
| 25 | HK$3,194 |
| 30 | HK$3,710 |
| 35 | HK$4,189 |
| 40 | HK$4,857 |
| 45 | HK$5,769 |
| 50 | HK$7,017 |
| 55 | HK$8,538 |
| 60 | HK$10,640 |
| 65 | HK$13,580 |
| 70 | HK$17,748 |
| 75 | HK$21,335 |
| 80 | HK$25,647 |
| 85 | HK$30,830 |
| 90 | HK$37,061 |
| 95 | HK$44,551 |
| 99 | HK$51,619 |
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)
This site's licensed insurance agent can only arrange FWD plans.
Other deductible options in this series
2 deductibles — same benefit schedule, premium scales with deductible
Current page
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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