Liberty Insurance Standard VHIS Plan

利寶國際自願醫保標準計劃

Liberty Insurance Standard VHIS Plan is a VHIS Standard plan offered by Liberty International Insurance Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Jul 1, 2021.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$2,070 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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	$80,000 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, $3,000 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 per Confinement/Day Case Procedure 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

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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
$80,000 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, $3,000 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 per Confinement/Day Case Procedure 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

Premium Schedule

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

Age	Premium
0	HK$2,825
1	HK$2,825
2	HK$2,825
3	HK$2,825
4	HK$2,825
5	HK$1,598
6	HK$1,598
7	HK$1,598
8	HK$1,598
9	HK$1,598
10	HK$1,444
11	HK$1,448
12	HK$1,451
13	HK$1,455
14	HK$1,460
15	HK$1,463
16	HK$1,504
17	HK$1,545
18	HK$1,586
19	HK$1,627
20	HK$1,668
21	HK$1,703
22	HK$1,738
23	HK$1,773
24	HK$1,808
25	HK$1,843
26	HK$1,889
27	HK$1,935
28	HK$1,979
29	HK$2,025
30	HK$2,070
31	HK$2,123
32	HK$2,176
33	HK$2,229
34	HK$2,282
35	HK$2,335
36	HK$2,422
37	HK$2,508
38	HK$2,594
39	HK$2,680
40	HK$2,767
41	HK$2,914
42	HK$3,061
43	HK$3,209
44	HK$3,357
45	HK$3,504
46	HK$3,661
47	HK$3,819
48	HK$3,976
49	HK$4,134
50	HK$4,291
51	HK$4,559
52	HK$4,827
53	HK$5,094
54	HK$5,363
55	HK$5,630
56	HK$5,960
57	HK$6,290
58	HK$6,621
59	HK$6,951
60	HK$7,281
61	HK$7,741
62	HK$8,201
63	HK$8,661
64	HK$9,121
65	HK$9,581
66	HK$10,088
67	HK$10,595
68	HK$11,101
69	HK$11,607
70	HK$12,114
71	HK$12,706
72	HK$13,299
73	HK$13,891
74	HK$14,484
75	HK$15,076
76	HK$15,549
77	HK$16,021
78	HK$16,494
79	HK$16,965
80	HK$17,438
81	HK$17,871
82	HK$18,302
83	HK$18,734
84	HK$19,167
85	HK$19,599
86	HK$19,864
87	HK$20,130
88	HK$20,397
89	HK$20,662
90	HK$20,928
91	HK$21,186
92	HK$21,445
93	HK$21,705
94	HK$21,963
95	HK$22,222
96	HK$22,546
97	HK$22,871
98	HK$23,195
99	HK$23,519

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
Last verified: 2026-04-17