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

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Your premium

HK$3,710 /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

—

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$3,896
1	HK$3,896
2	HK$3,896
3	HK$3,896
4	HK$3,896
5	HK$3,896
6	HK$3,896
7	HK$3,896
8	HK$3,896
9	HK$3,896
10	HK$3,896
11	HK$3,896
12	HK$3,896
13	HK$3,896
14	HK$3,896
15	HK$3,896
16	HK$3,896
17	HK$3,896
18	HK$2,597
19	HK$2,675
20	HK$2,755
21	HK$2,838
22	HK$2,922
23	HK$3,010
24	HK$3,101
25	HK$3,194
26	HK$3,290
27	HK$3,389
28	HK$3,491
29	HK$3,594
30	HK$3,710
31	HK$3,795
32	HK$3,890
33	HK$3,988
34	HK$4,087
35	HK$4,189
36	HK$4,315
37	HK$4,445
38	HK$4,578
39	HK$4,715
40	HK$4,857
41	HK$5,027
42	HK$5,202
43	HK$5,385
44	HK$5,573
45	HK$5,769
46	HK$5,999
47	HK$6,239
48	HK$6,488
49	HK$6,748
50	HK$7,017
51	HK$7,298
52	HK$7,591
53	HK$7,894
54	HK$8,210
55	HK$8,538
56	HK$8,922
57	HK$9,324
58	HK$9,744
59	HK$10,181
60	HK$10,640
61	HK$11,172
62	HK$11,731
63	HK$12,317
64	HK$12,933
65	HK$13,580
66	HK$14,327
67	HK$15,115
68	HK$15,946
69	HK$16,823
70	HK$17,748
71	HK$18,413
72	HK$19,104
73	HK$19,821
74	HK$20,564
75	HK$21,335
76	HK$22,135
77	HK$22,965
78	HK$23,827
79	HK$24,719
80	HK$25,647
81	HK$26,608
82	HK$27,607
83	HK$28,641
84	HK$29,715
85	HK$30,830
86	HK$31,986
87	HK$33,185
88	HK$34,430
89	HK$35,721
90	HK$37,061
91	HK$38,450
92	HK$39,892
93	HK$41,388
94	HK$42,941
95	HK$44,551
96	HK$46,221
97	HK$47,954
98	HK$49,752
99	HK$51,619

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

)

Current page

with SMM)

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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.