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）

Liberty International Insurance Limited

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Your premium

HK$6,742 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$1,000,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$200,000／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	$1,350 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$23,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,350 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$4,300 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$10,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$18,000
Surgeon's fee — Major 外科醫生費 — 大型	$35,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$70,000
(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	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$100,000 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	$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) Psychiatric treatments (l) 精神科治療	$35,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 加床費用	$550 per day
Outpatient kidney dialysis 門診腎透析	$80,000 per Policy Year
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	$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	$600 per day

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,350 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$23,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,350 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$4,300 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$10,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$18,000
Surgeon's fee — Major
外科醫生費 — 大型
$35,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$70,000
(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
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$100,000 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
$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) Psychiatric treatments
(l) 精神科治療
$35,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
加床費用
$550 per day
Outpatient kidney dialysis
門診腎透析
$80,000 per Policy Year

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
$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
$600 per day

Premium Schedule

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

Age	Premium
0	HK$7,079
1	HK$7,079
2	HK$7,079
3	HK$7,079
4	HK$7,079
5	HK$7,079
6	HK$7,079
7	HK$7,079
8	HK$7,079
9	HK$7,079
10	HK$7,079
11	HK$7,079
12	HK$7,079
13	HK$7,079
14	HK$7,079
15	HK$7,079
16	HK$7,079
17	HK$7,079
18	HK$4,719
19	HK$4,861
20	HK$5,006
21	HK$5,157
22	HK$5,312
23	HK$5,471
24	HK$5,635
25	HK$5,804
26	HK$5,978
27	HK$6,158
28	HK$6,342
29	HK$6,533
30	HK$6,742
31	HK$6,896
32	HK$7,069
33	HK$7,246
34	HK$7,426
35	HK$7,613
36	HK$7,841
37	HK$8,076
38	HK$8,319
39	HK$8,568
40	HK$8,825
41	HK$9,134
42	HK$9,453
43	HK$9,785
44	HK$10,127
45	HK$10,481
46	HK$10,901
47	HK$11,337
48	HK$11,790
49	HK$12,262
50	HK$12,752
51	HK$13,262
52	HK$13,793
53	HK$14,344
54	HK$14,918
55	HK$15,515
56	HK$16,213
57	HK$16,943
58	HK$17,705
59	HK$18,502
60	HK$19,334
61	HK$20,301
62	HK$21,317
63	HK$22,382
64	HK$23,501
65	HK$24,676
66	HK$26,034
67	HK$27,465
68	HK$28,976
69	HK$30,569
70	HK$32,251
71	HK$33,460
72	HK$34,715
73	HK$36,017
74	HK$37,367
75	HK$38,768
76	HK$40,223
77	HK$41,731
78	HK$43,296
79	HK$44,920
80	HK$46,604
81	HK$48,351
82	HK$50,165
83	HK$52,046
84	HK$53,997
85	HK$56,022
86	HK$58,123
87	HK$60,302
88	HK$62,564
89	HK$64,910
90	HK$67,344
91	HK$69,870
92	HK$72,490
93	HK$75,208
94	HK$78,029
95	HK$80,954
96	HK$83,990
97	HK$87,140
98	HK$90,407
99	HK$93,798

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

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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.