Liberty Insurance VHIS Series - Flexi Plan (Classic) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00047-01-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,710 |
| 45 | HK$5,769 |
| 60 | HK$10,640 |
| 75 | HK$21,335 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$500,000 |
| Lifetime limit | None |
| Room and board | HK$1,000 |
| Hospital charges | HK$18,000 |
| Doctor's visits | HK$1,000 |
| Specialist fees | HK$5,000 |
| Intensive care | HK$3,800 |
| Surgeon's fee | HK$60,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$90,000 |
| Outpatient before and after | HK$4,000 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, a companion bed.
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.25 |
| Waiting period | none |
| Cancellation and refund | full refund within 21-day cooling-off period; no refund after cooling-off if benefits paid p.5 |
| Switching from another plan | possible to switch to another plan; re-underwriting for upgrades, company discretion for downgrades p.16 |
| Room class | not restricted p.21 |
| If a higher room is used | For supplementary major medical benefit, if confined in a higher ward class than restricted, an adjustment factor is applied: Semi-Private Room 50%, VIP/Deluxe Room 12.5%, Room with amenities upgraded beyond 6.25% p.42 |
| Geographical cover | worldwide, with exceptions for psychiatric treatment and specific day case procedures at network providers p.20 |
| Psychiatric treatment area | Hong Kong only p.24 |
| Emergency treatment abroad | covered worldwide, no specific limit stated p.20 |
| Full cover on core benefits | no p.45 |
| Annual limit | 500000 p.46 |
| Lifetime limit | none p.46 |
| How the deductible applies | per Policy Year p.29 |
| Coinsurance | none, except 30% for Prescribed Diagnostic Imaging Tests p.45 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, HKD 580 per visit, up to HKD 4,000 per Policy Year p.45 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure, HKD 580 per visit, up to HKD 4,000 per Policy Year p.45 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.45 |
| Diagnostic imaging coinsurance | 30% p.45 |
| Non-surgical cancer treatment | HKD 90,000 per Policy Year p.45 |
| Kidney dialysis | not stated |
| Day case procedures | covered as in-patient, subject to annual limit of HKD 500,000 (combined with other benefits) p.22 |
| Home nursing | none |
| Hospice care | none p.31 |
| Chinese medicine | none p.27 |
| Physiotherapy | covered during confinement and for 3 post-discharge outpatient visits within 90 days, subject to limits p.22 |
| Congenital conditions | covered from age 8 p.28 |
| Pregnancy complications | none p.27 |
| Emergency dental | covered for emergency treatment and surgery during confinement arising from an accident p.27 |
| Hospital cash | HKD 1,000 per confinement (second claim), HKD 500 per day for specific day case procedure at network provider p.46 |
| Companion bed | HKD 450 per day for parent/guardian if insured is below age 18 p.3 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | cashless access for pre-approved specific day case procedures at network providers p.2 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted diseases; Hair Mineral Analysis (HMA) and health supplements; sex reassignment, sexual dysfunction 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$5,442 to HK$5,769.
| 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.