Liberty Insurance VHIS Series - Flexi Plan (Plus) - Flexi Plan (Plus)

利寶國際自願醫保系列 – 靈活計劃(升級) - 靈活計劃（升級）

Liberty International Insurance Limited

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Your premium

HK$5,618 /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

—

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$5,899
1	HK$5,899
2	HK$5,899
3	HK$5,899
4	HK$5,899
5	HK$5,899
6	HK$5,899
7	HK$5,899
8	HK$5,899
9	HK$5,899
10	HK$5,899
11	HK$5,899
12	HK$5,899
13	HK$5,899
14	HK$5,899
15	HK$5,899
16	HK$5,899
17	HK$5,899
18	HK$3,933
19	HK$4,050
20	HK$4,172
21	HK$4,297
22	HK$4,427
23	HK$4,559
24	HK$4,696
25	HK$4,837
26	HK$4,982
27	HK$5,131
28	HK$5,285
29	HK$5,444
30	HK$5,618
31	HK$5,747
32	HK$5,890
33	HK$6,038
34	HK$6,189
35	HK$6,344
36	HK$6,534
37	HK$6,730
38	HK$6,932
39	HK$7,140
40	HK$7,354
41	HK$7,612
42	HK$7,878
43	HK$8,154
44	HK$8,439
45	HK$8,734
46	HK$9,084
47	HK$9,447
48	HK$9,825
49	HK$10,218
50	HK$10,627
51	HK$11,052
52	HK$11,494
53	HK$11,954
54	HK$12,432
55	HK$12,929
56	HK$13,511
57	HK$14,119
58	HK$14,754
59	HK$15,418
60	HK$16,112
61	HK$16,918
62	HK$17,763
63	HK$18,652
64	HK$19,585
65	HK$20,563
66	HK$21,694
67	HK$22,888
68	HK$24,147
69	HK$25,475
70	HK$26,875
71	HK$27,883
72	HK$28,930
73	HK$30,014
74	HK$31,140
75	HK$32,307
76	HK$33,518
77	HK$34,775
78	HK$36,079
79	HK$37,433
80	HK$38,836
81	HK$40,293
82	HK$41,803
83	HK$43,371
84	HK$44,998
85	HK$46,686
86	HK$48,436
87	HK$50,252
88	HK$52,137
89	HK$54,092
90	HK$56,121
91	HK$58,225
92	HK$60,408
93	HK$62,674
94	HK$65,024
95	HK$67,463
96	HK$69,992
97	HK$72,616
98	HK$75,340
99	HK$78,165

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

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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.