Liberty Insurance VHIS Series - Flexi Plan (Plus) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00048-01-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,618 |
| 45 | HK$8,734 |
| 60 | HK$16,112 |
| 75 | HK$32,307 |
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$1,000,000 |
| Lifetime limit | None |
| Room and board | HK$1,350 |
| Hospital charges | HK$23,000 |
| Doctor's visits | HK$1,350 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$4,300 |
| Surgeon's fee | HK$70,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$100,000 |
| Outpatient before and after | HK$4,000 |
| Psychiatric treatment | HK$35,000 |
Also includes outpatient general, a companion bed, kidney dialysis.
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.15 |
|---|---|
| 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. After cooling-off, cancellation with 30 days notice if no benefit payment. p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting; switching to a plan with downgraded benefits does not involve re-underwriting but is subject to company discretion. 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: Standard Private Room 50%, VIP/Deluxe Room 25%, Room with amenities upgraded beyond VIP/Deluxe Room 12.5% p.42 |
| Geographical cover | worldwide p.20 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | covered as part of worldwide cover p.20 |
| Full cover on core benefits | no p.45 |
| Annual limit | 1,000,000 HKD p.46 |
| Lifetime limit | none p.46 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests p.45 |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure, $680 per visit, up to $4,000 per Policy Year p.45 |
| Post-discharge outpatient | 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days, $680 per visit, up to $4,000 per Policy Year p.45 |
| General outpatient | none |
| Psychiatric treatment | 35,000 HKD per Policy Year p.45 |
| Diagnostic imaging coinsurance | 30% p.45 |
| Non-surgical cancer treatment | 100,000 HKD per Policy Year p.45 |
| Kidney dialysis | 80,000 HKD per Policy Year for peritoneal dialysis and/or regular haemodialysis in an outpatient setting p.40 |
| Day case procedures | Covered as in-patient or day patient procedure, with specific limits per item and an enhanced benefit for specific procedures at network providers. p.21 |
| Home nursing | none |
| Hospice care | none p.31 |
| Chinese medicine | none p.28 |
| Physiotherapy | Covered during confinement and for post-discharge follow-up visits (up to 3 visits within 90 days, $680 per visit, up to $4,000 per Policy Year). p.22 |
| Congenital conditions | Covered if manifested or diagnosed after 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 | Second claim cash allowance if reimbursed by other insurance; $600 per day cash allowance for Specific Day Case Procedure at Network Provider p.43 |
| Companion bed | 550 HKD per day for one parent or guardian if Insured Person is below age 18 p.40 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Cashless access to Network Provider for pre-approved Specific Day Case Procedure p.39 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; 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$8,240 to HK$8,734.
| 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.