Liberty Insurance VHIS Series - Flexi Plan (Plus) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00048-01-001-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,742 |
| 45 | HK$10,481 |
| 60 | HK$19,334 |
| 75 | HK$38,768 |
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.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 if no benefit paid. After cooling-off, cancellation with 30 days notice if no benefit paid, but no premium refund. p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting; switching to a plan with downgraded benefits is at the Company's discretion. p.16 |
| Room class | not restricted p.21 |
| If a higher room is used | If Confined in a higher ward class than Semi-Private Room or Standard Ward, an adjustment factor is applied to the supplementary major medical benefit: 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.24 |
| Emergency treatment abroad | covered worldwide p.20 |
| Full cover on core benefits | no p.1 |
| Annual limit | 1,000,000 p.2 |
| Lifetime limit | none p.21 |
| How the deductible applies | per Policy Year p.29 |
| Coinsurance | none |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure, HKD 680 per visit, up to HKD 4,000 per Policy Year p.1 |
| Post-discharge outpatient | 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge, HKD 680 per visit, up to HKD 4,000 per Policy Year p.1 |
| General outpatient | none |
| Psychiatric treatment | HKD 35,000 per Policy Year p.1 |
| Diagnostic imaging coinsurance | 30% p.1 |
| Non-surgical cancer treatment | HKD 100,000 per Policy Year p.1 |
| Kidney dialysis | HKD 80,000 per Policy Year for peritoneal dialysis and/or regular haemodialysis in an outpatient setting p.41 |
| Day case procedures | covered as Day Patient procedures, with specific benefits for various services and a dedicated benefit for Specific Day Case Procedure at Network Provider p.29 |
| Home nursing | none |
| Hospice care | none |
| Chinese medicine | none p.28 |
| Physiotherapy | covered during Confinement under miscellaneous charges, and for 3 follow-up outpatient visits post-discharge under pre- and post-confinement outpatient care p.23 |
| Congenital conditions | covered from age 8 p.28 |
| Pregnancy complications | none p.28 |
| Emergency dental | covered for Emergency Treatment and surgery during Confinement arising from an Accident p.28 |
| Hospital cash | HKD 2,000 per Confinement for second claim; HKD 600 per day for Specific Day Case Procedure at Network Provider p.2 |
| Companion bed | HKD 550 per day for one parent or Guardian if Insured Person is below age 18 p.41 |
| Direct billing and pre-authorisation | Cashless access available for pre-approved Specific Day Case Procedures at Network Providers p.40 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment and other alternative treatments p.27 |
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$9,888 to HK$10,481.
| 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.