Liberty Insurance VHIS Series - Flexi Plan (Premium) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00046-01-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$10,600 |
| 45 | HK$16,480 |
| 60 | HK$30,400 |
| 75 | HK$60,956 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$2,000,000 |
| Lifetime limit | None |
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.14 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.24 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off if benefits paid; pro-rata refund if Company terminates due to death or loss of authorization p.5 |
| Switching from another plan | Possible to switch to another plan with re-underwriting for upgrades/additions, or at Company's discretion for downgrades/reductions p.16 |
| Room class | Semi-Private Room p.41 |
| If a higher room is used | Adjustment factor applied: 50% for Standard Private Room, 25% for VIP/Deluxe Room, 12.5% for Room with amenities upgraded beyond VIP/Deluxe Room p.39 |
| Geographical cover | Asia (Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam) p.37 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered outside Asia under Standard Plan Terms and Benefits p.37 |
| Full cover on core benefits | yes p.41 |
| Annual limit | 2000000 p.41 |
| Lifetime limit | none p.41 |
| How the deductible applies | per Policy Year p.28 |
| Coinsurance | none (except for imaging) p.25 |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure, no dollar limit p.41 |
| Post-discharge outpatient | 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge), no dollar limit p.41 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.41 |
| Diagnostic imaging coinsurance | 0% p.41 |
| Non-surgical cancer treatment | full cover p.41 |
| Kidney dialysis | full cover for outpatient kidney dialysis p.41 |
| Day case procedures | Covered as in-patient, no dollar limit p.20 |
| Home nursing | HKD 10,000 per Policy Year p.40 |
| Hospice care | none p.29 |
| Chinese medicine | none p.27 |
| Physiotherapy | Covered during confinement and for 3 follow-up outpatient visits post-discharge, no dollar limit p.21 |
| Congenital conditions | Covered from age 8 p.27 |
| Pregnancy complications | none p.27 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.27 |
| Hospital cash | HKD 2,000 per Confinement (second claim cash allowance); HKD 800 per day (cash allowance for Specific Day Case Procedure at Network Provider) p.41 |
| Companion bed | Full cover for Insured Person below age 18 p.40 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.26 |
At a constant age of 45, Liberty has filed 2 schedule changes on this plan since 2021, an average of +0.9% a year, taking the premium from HK$15,547 to HK$16,480.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.