Liberty Insurance VHIS Series - Flexi Plan (Classic) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00047-01-001-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,452 |
| 45 | HK$6,922 |
| 60 | HK$12,768 |
| 75 | HK$25,602 |
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 p.25 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.5 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, discretion to accept/reject) p.16 |
| Room class | not restricted p.21 |
| If a higher room is used | For Supplementary major medical benefit: Semi-Private Room 50% adjustment, Standard Private Room 25% adjustment, VIP/Deluxe Room 12.5% adjustment, Room with amenities upgraded beyond VIP/Deluxe Room 6.25% adjustment p.42 |
| Geographical cover | worldwide, except for psychiatric treatment and specific day case procedures at network provider 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 p.29 |
| Pre-admission outpatient | 1 visit, $580 per visit, up to $4,000 per Policy Year p.45 |
| Post-discharge outpatient | 3 visits within 90 days, $580 per visit, up to $4,000 per Policy Year p.45 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.45 |
| Diagnostic imaging coinsurance | 30% p.45 |
| Non-surgical cancer treatment | 90000 p.45 |
| Kidney dialysis | not stated |
| Day case procedures | Covered as in-patient, subject to individual benefit limits p.22 |
| Home nursing | none |
| Hospice care | none p.31 |
| Chinese medicine | none p.27 |
| Physiotherapy | Covered during confinement and as part of post-discharge outpatient care, subject to limits of respective benefits 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 Person is below age 18 p.46 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Cashless access for pre-approved Specific Day Case Procedure at Network Provider p.2 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances (e.g. dialysis machines, airway pressure machines, oxygen devices, air purifiers); Traditional Chinese medicine treatment and other alternative treatments 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$6,530 to HK$6,922.
| 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.