Key Benefits
Flexible cross plan combination on hospitalisation, outpatient, dental and business travel benefits
Free Overseas Emergency Medical Evacuation
Free Extended Major Medical Benefit
24-hours worldwide cover
Free outpatient doctor panel card with e-claim payment advice and online claim enquiry
Compare our plans in details, you'll definitely find something that suits you
Basic Cover - Hospitalisation Benefits
Option 1
Option 2
Option 3
Option 4
Room & Board charges
(limit per day, maximum 91 days per disability)
Option 1
HK$2,700
Option 2
HK$1,760
Option 3
HK$1,150
Option 4
HK$730
Intensive Care Unit
(limit per day, maximum 10 days per disability)
Option 1
HK$4,000
Option 2
HK$2,700
Option 3
HK$1,750
Option 4
HK$940
Hospital Special Services
(per disability limit)
Option 1
HK$30,000
Option 2
HK$23,000
Option 3
HK$15,000
Option 4
HK$11,500
Complex operation
Option 1
HK$90,000
Option 2
HK$70,000
Option 3
HK$50,000
Option 4
HK$32,000
Major operation
Option 1
HK$45,000
Option 2
HK$35,000
Option 3
HK$25,000
Option 4
HK$16,000
Intermediate operation
Option 1
HK$22,500
Option 2
HK$17,500
Option 3
HK$12,500
Option 4
HK$8,000
Minor operation
Option 1
HK$11,250
Option 2
HK$8,750
Option 3
HK$6,250
Option 4
HK$4,000
Complex operation
Option 1
HK$27,000
Option 2
HK$21,000
Option 3
HK$15,000
Option 4
HK$9,600
Major operation
Option 1
HK$13,500
Option 2
HK$10,500
Option 3
HK$7,500
Option 4
HK$4,800
Intermediate operation
Option 1
HK$6,750
Option 2
HK$5,250
Option 3
HK$3,750
Option 4
HK$2,400
Minor operation
Option 1
HK$3,375
Option 2
HK$2,625
Option 3
HK$1,875
Option 4
HK$1,200
Complex operation
Option 1
HK$27,000
Option 2
HK$21,000
Option 3
HK$15,000
Option 4
HK$9,600
Major operation
Option 1
HK$13,500
Option 2
HK$10,500
Option 3
HK$7,500
Option 4
HK$4,800
Intermediate operation
Option 1
HK$6,750
Option 2
HK$5,250
Option 3
HK$3,750
Option 4
HK$2,400
Minor operation
Option 1
HK$3,375
Option 2
HK$2,625
Option 3
HK$1,875
Option 4
HK$1,200
In-hospital Doctor's Consultation
(limit per day, maximum 91 days per disability)
Option 1
HK$2,700
Option 2
HK$1,760
Option 3
HK$1,150
Option 4
HK$730
In-hospital Specialist's Consultation
(per disability limit, referred & recommended by attending physician in writing)
Option 1
HK$5,500
Option 2
HK$4,500
Option 3
HK$3,500
Option 4
HK$2,000
Cashless Gastroscopy/Colonoscopy at designated day surgery centre
(pre-admission assessment is required, per procedure limit)
Option 1
Full coverage
Option 2
Full coverage
Option 3
Full coverage
Option 4
Full coverage
Day surgery for Gastroscopy/Colonoscopy
(per procedure limit)
Option 1
HK$28,000
Option 2
HK$23,000
Option 3
HK$17,000
Option 4
HK$10,000
Pre & Post-hospitalisation Treatment
(per disability limit, including 1 pre-admission visit within 30 consecutive days before admission to hospital and all related post-hospitalisation treatment within 90 consecutive days after discharge from hospital)
Option 1
HK$4,500
Option 2
HK$3,000
Option 3
HK$1,200
Option 4
HK$1,000
Special Nursing
(limit per day, maximum of 30 days per disability)
Option 1
HK$800
Option 2
HK$600
Option 3
HK$400
Option 4
HK$200
Daily Cash Benefit
(limit per day, maximum of 91 days per disability) (in lieu of all benefits payable & applicable for ward room confinement in HA hospitals only)
Option 1
HK$1,000
Option 2
HK$650
Option 3
HK$450
Option 4
HK$275
Daily Cash for Co-ordinate Benefits
(limit per day, maximum of 91 days per disability)
Option 1
HK$1,000
Option 2
HK$650
Option 3
HK$450
Option 4
HK$275
Final Tribute Costs
(per case limit)
Option 1
HK$90,000
Option 2
HK$70,000
Option 3
HK$50,000
Option 4
HK$30,000
Deductible
Option 1
NIL
Option 2
NIL
Option 3
NIL
Option 4
NIL
Maximum limit per disability
Option 1
HK$150,000
Option 2
HK$100,000
Option 3
HK$50,000
Option 4
HK$30,000
Free Overseas Emergency Medical Evacuation
(applicable to member age below 70)
Option 1
HK$2,000,000
Option 2
HK$2,000,000
Option 3
HK$2,000,000
Option 4
HK$2,000,000
Greater China Card
(deposit-free admission)
Option 1
Free of charge
Option 2
Free of charge
Option 3
Free of charge
Option 4
Free of charge
100% Top-up Overseas Benefits for Hospitalisation benefits due to Accident, exclude China, Hong Kong & Macau
Option 1
Hospital benefits increase to 200%
Option 2
Hospital benefits increase to 200%
Option 3
Hospital benefits increase to 200%
Option 4
Hospital benefits increase to 200%
Psychiatric Treatment
(per policy year)
Option 1
HK$50,000
Option 2
HK$40,000
Option 3
HK$30,000
Option 4
HK$20,000
Optional Cover - Dental Benefits
Option 1
Option 2
Option 3
Option 4
Oral Examination, Scaling & Polishing
(once a year, limit per visit)
Option 1
HK$500
Option 2
HK$500
Option 3
HK$500
Option 4
HK$500
Dental X-ray & Medications
Option 1
HK$3,000
Option 2
HK$3,000
Option 3
HK$3,000
Option 4
HK$3,000
Filling & Simple Extractions
Option 1
HK$3,000
Option 2
HK$3,000
Option 3
HK$3,000
Option 4
HK$3,000
Emergency Treatment of Dental Pain (Palliative)
Option 1
HK$3,000
Option 2
HK$3,000
Option 3
HK$3,000
Option 4
HK$3,000
Impaction
Option 1
HK$3,000
Option 2
HK$3,000
Option 3
HK$3,000
Option 4
HK$3,000
Denture (due to accident only)
Option 1
HK$3,000
Option 2
HK$3,000
Option 3
HK$3,000
Option 4
HK$3,000
Overall maximum per policy year
Option 1
HK$3,000
Option 2
HK$3,000
Option 3
HK$3,000
Option 4
HK$3,000
Optional Cover - Outpatient Benefits
Option 1
Option 2
Option 3
Option 4
General Doctor's Consultation
(limit per visit per day, maximum 30 visits per policy year)
Option 1
HK$350
Option 2
HK$280
Option 3
HK$210
Option 4
HK$170
Physiotherapist/Chiropractic Treatment2
(limit per visit per day, maximum 10 visits per policy year)
Option 1
HK$670
Option 2
HK$520
Option 3
HK$400
Option 4
HK$320
Specialist Consultation
(limit per visit per day, maximum 10 visits per policy year)
Option 1
HK$670
Option 2
HK$520
Option 3
HK$400
Option 4
HK$320
Chinese Herbalist/Bonesetter/Acupuncture Treatment
(limit per visit per day, maximum 10 visits per policy year)
Option 1
HK$240
Option 2
HK$200
Option 3
HK$180
Option 4
HK$150
Diagnostic X-ray/Laboratory Test2
(maximum limit per policy year)
Option 1
HK$3,500
Option 2
HK$2,600
Option 3
HK$1,750
Option 4
HK$1,050
Items 1-4 under Outpatient benefits shall be subject to an overall maximum of 30 visits per policy year (for both non-panel network doctors and panel network doctors)
1 Notes:
For Outpatient medical option1, 2 & 3:
- Co-payment for panel doctor’s consultation:
- 80% reimbursement option - HK$20 for general doctor’s consultation and Chinese herbalist, HK$40 for physiotherapist and specialist’s consultation
- 100% reimbursement option - No co-payment for general doctor’s consultation, Chinese herbalist, physiotherapist and specialist’s consultation
For Outpatient medical option 4:
- Co-payment for panel doctor’s consultation:
- 80% and 100% reimbursement option - HK$20 for general doctor’s consultation and Chinese herbalist, HK$40 for physiotherapist and HK$130 for specialist’s consultation
- 80% and 100% reimbursement option - HK$20 for general doctor’s consultation and Chinese herbalist, HK$40 for physiotherapist and HK$130 for specialist’s consultation
2 To be referred and recommended by attending physician in writing – waive referral letter for all specialist consultation (for both non-panel and panel doctors)
Optional Cover – Business Travel Benefits
Option 1
Accidental Death & Permanent Disablement (Scale II)
Option 1
HK$1,200,000
- Additional Indemnity for Public Conveyance
Option 1
HK$1,200,000
- Major burns (second or third degree)
Option 1
HK$150,000
Accidental Death due to natural catastrophe
Option 1
HK$30,000
Medical Expenses
- Follow-up medical expenses incurred within 12 months after returned to Hong Kong and covered 100% of the unused portion
- Expenses incurred and payable to Chinese physician and chiropractor, up to HK$200 per visit per day and max. HK$4,000 in aggregate
Option 1
HK$1,000,000
Hospital Cash
(Daily cash HK$500)
Option 1
HK$7,500
Comatose State
(Weekly cash HK$500, a maximum of 50 weeks)
Option 1
HK$25,000
Worldwide Emergency Services
- 24/7 Emergency Assistance Hotline Services
Option 1
Covered
- Medical Evacuation & Repatriation
Option 1
Actual cost
- Repatriation of Remains
Option 1
Actual cost
- Hospital Guarantee Admission Services
Option 1
HK$40,000
- Compassionate Visit
Option 1
HK$20,000
- Dependent Child Care
Option 1
HK$20,000
- Greater China Card (optional, charge HK$50 per card)
Option 1
Loss of Deposit
Option 1
HK$20,000
Trip Curtailment or Disruption
Option 1
HK$20,000
Unexpected delay (HK$500 for every 6 hours)
- Travel misconnection (after 24 hours)
Option 1
HK$2,500
HK$10,000
Flight Overbooking
(HK$500 for every 6 hours)
Option 1
HK$1,500
Baggage Delay
(after 6 hours)
Option 1
HK$1,500
Personal Property
Option 1
HK$15,000
- Laptop
Option 1
HK$10,000
- Sports equipment
Option 1
HK$5,000
- Other items
Option 1
HK$3,000
Personal Money & Travel Document
Option 1
HK$10,000
- Cash limit
Option 1
HK$3,000
Personal Liability
Option 1
HK$1,500,000
Alternative Employee Expenses
Option 1
HK$20,000
Political or Natural Disaster Evacuation
Option 1
HK$15,000
Credit Card Protection
Option 1
HK$20,000
Education Fee Subsidy
Option 1
HK$25,000
Funeral Expenses & Repatriation of Remains
Option 1
HK$20,000
Home Modification
Option 1
HK$25,000
Rehabilitation Tuition Expenses
Option 1
HK$25,000
Scarring of Face
Option 1
HK$25,000
Spouse Retraining
Option 1
HK$20,000
Trauma Incident Counselling Benefit
(HK$1,500/day/visit, up to a maximum of)
Option 1
HK$15,000
Emergency Travel Services Assistance
Option 1
Free
Telephone Medical Advice
Option 1
Free
Inoculation information
Option 1
Free
Consulate & Embassy Information
Option 1
Free
Legal Referral Service
Option 1
Free
Optional Cover - Term Life, Accidental Death & Disablement Benefits
Option 1
Maximum Limit (HK$)
Option 2
Maximum Limit (HK$)
Option 3
Maximum Limit (HK$)
Option 4
Maximum Limit (HK$)
Term Life Benefit
Option 1
Maximum Limit (HK$)
HK$1,000,000
Option 2
Maximum Limit (HK$)
HK$750,000
Option 3
Maximum Limit (HK$)
HK$500,000
Option 4
Maximum Limit (HK$)
HK$250,000
Accidental Death & Disablement Benefit
Option 1
Maximum Limit (HK$)
HK$1,000,000
Option 2
Maximum Limit (HK$)
HK$750,000
Option 3
Maximum Limit (HK$)
HK$500,000
Option 4
Maximum Limit (HK$)
HK$250,000
Only applicable to an intermediary with relevant life insurance business license
Guarantee issue limit is up to maximum HK$500,000 for 6 employees or above
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
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Notes
- Flexible cross plan combination on Hospitalisation and Outpatient
- Provide free Outpatient doctor panel card
- Free extended major medical benefit
- Final Tribute Costs (to all insured members)
- Optional Dental benefits
- Optional Business East Smart Travel (B.E.S.T) Business Travel benefits
- Free overseas emergency medical evacuation
- 24-hours worldwide cover
- Provide e-claim payment advice and online claim enquiry
- Enjoy "Liberty Health Club" membership privileges
- 5% one-off Special Discount will be provided for Individual Product's application at the same time (including Life, Medical, Personal Accident and Travel)
- 15% discount on total premium offered for groups with more than 10 employees
- Hong Kong registered companies with at least 2 employees are applicable
- Health Declaration will be exempted for groups of 4 employees or above (for medical insurance) and 11 employees or above (for life insurance)
- Premium must be paid by the policyholder
- Policy renewal is subject to experience rating
- All eligible staff must be actively at work & participate mandatorily
- Dependent coverage must be the same benefit level as the employee
- Eligibility:
- Full-time employees & employees’ spouse aged 64 or below
- Unmarried child(ren) from 15 days to age 18, or age 19-23 with full-time education proof
- Available to Hong Kong residents & employment passport holders located in Hong Kong
- Age range from 18 to 75 years old (last birthday)
- Applicable to employees on business trips engaging in professional, administrative, managerial, clerical and non-manual work solely in offices or similar non-hazardous places
- Excluding manual work, work on board vessel or offshore activities
- There should be a minimum of 2 un-named Insured Employees under the group
- This insurance cover is only valid for trip originating from Hong Kong subject to maximum duration of each trip is 185 days
- Excluding pre-existing conditions
- Maximum aggregate limit: HK$24,000,000 per conveyance
- If the Insured has more than one travel insurance policy underwritten by us for the same trip, we will only be liable for the policy which provides the highest benefit level
- Pre-existing conditions Mental illness & psychiatric disorders (e.g. depression etc)
- Rest cures or sanitaria care
- Birth defects & congenital illnesses, contraception or sterilisation or cosmetic surgery
- Dental treatment or oral surgery (unless the benefit is available); eye refraction and ear examinations
- Injury or sickness arising directly or indirectly from war, strike, riot, revolution, or any warlike operation or participation in illegal acts
- Prostheses, corrective devices, special braces, appliances, wheelchairs, crutches or other equipment
- Routine medical examinations
- Self-inflicted injury, suicide, abuse of alcohol, drug addiction or abuse
- Vaccination & any preventive treatment
- Hospitalisation primarily for diagnosis, x-ray examinations or physical therapy, unless recommended by a legally qualified physician or surgeon
- Medical services not in accordance with the diagnosis and treatment of the condition for which the hospital confinement is required
- Non-approved medical transportation
- All other dental procedures not listed in the Dental Benefit section
- Wisdom tooth extraction
- Dental cosmetics
(All terms & conditions are subject to the policy)
- Engage in disciplinary forces, naval, military, air force or armed force, aviation or aerial activities as pilot or air crew
- Engage in mutual or hazardous work, any kind of race or extreme sports/activities
- Radioactivity, or the use, existence or escape of any nuclear fuel, nuclear material or nuclear waste
- Expenses arising from wilfully self-inflicted bodily injury, or wilfully self-inflicted sickness or accident, temporary insanity, alcoholism, drug or substance abuse or self-exposure to needless peril
(All terms & conditions are subject to the policy)
- War or war-like operations (whether war to be declared or not), civil war, civil commotion, strikes or riots and terrorism
- Suicide, self-inflicted injury, or any attempt threat
- The insured being in on or entering into or descending from any aircraft other than a fully licensed passenger carrying aircraft in which the Insured is travelling as a passenger other than as a member of the crew
- Professional sport, climbing or mountaineering necessitating the use of ropes or guides, international motor rallies, ice hockey, polo-playing, speleology, steeplechasing winter sports, racing of any kind other than on foot, underwater activities involving the use of underwater breathing apparatus
- Being affected by alcohol or drug
- Ionising radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel or nuclear weapon material
The information contained in this page is intended as a general summary. For more details, please refer to our brochure and policy.
The plan is subject to the terms, conditions, and exclusions of the relevant policy contract. Liberty reserves the final right to approve any application.