Key Benefits
Four different basic plan options with wide range of coverage
Three area of coverage selections including Worldwide, Worldwide excluding USA and Asia¹
Extended plan benefits-24-hour Overseas Emergency Services² and Greater China Assistance Program
Cashless hospital arrangement with direct billing³
Guaranteed life time renewal with pool rating and coverage⁴
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Territorial Scope of Policy Coverage
Area
Area of Coverage
Area
Area 1 - Worldwide
Area 2 - Worldwide excluding USA
Area 3 - Asia5
Outside Area of Coverage
Area
Emergency treatment only
5 cases within Hong Kong & Macau restricted to semi-private room for Plan A & B only
Basic Coverage
Basic Cover - Hospital Services
Plan A
Plan B
Plan C
Plan D6
Annual Deductible Options
Plan A
NIL
Plan B
NIL
Plan C
NIL / US$5,000 / US$8,000
Plan D6
NIL / US$5,000 / US$8,000
Overall Annual Limits
Plan A
US$180,000
Plan B
US$380,000
Plan C
US$2,500,000
Plan D6
US$5,000,000
Hospital Charges
Plan A
Fully covered
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Room and Board
Plan A
US$200 per day
Plan B
US$500 per day
Plan C
Fully covered
Up to Standard Private Room Level Charge
Plan D6
Fully covered
Up to Standard Private Room Level Charge
Intensive Care Unit
Plan A
US$750 per day
Plan B
US$1,100 per day
Plan C
Fully covered
Plan D6
Fully covered
Companion Bed
Accompanied dependent child below age 20
Plan A
Fully covered
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Oncology Treatment
Plan A
Fully covered
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Day Case Treatment
Maximum per policy year
Plan A
US$6,000
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Renal Dialysis
Maximum per policy year
Plan A
US$10,000
Plan B
US$20,000
Plan C
Fully covered
Plan D6
Fully covered
Local Ambulance Services
Plan A
Fully covered
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Local Transport
On the day of discharge from confinement
Single trip following confinement of 7 days or more
Plan A
Fully covered
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Organ Transplant
Maximum per policy year
Excluding donor costs if chargeable to the Insured Member
Plan A
US$75,000
Plan B
US$100,000
Plan C
Fully covered
Plan D6
Fully covered
Pre and Post-hospitalisation Treatment
Outpatient expenses incurred within 30 days before admission and 90 days following hospital discharge
Plan A
Fully covered
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Advanced Diagnostic Scanning
Plan A
Fully covered
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Emergency Ward Treatment
Plan A
Fully covered
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Nursing at Home
Incurred start date within 30 days from discharge up to 182 days per policy year
Plan A
N/A
Plan B
US$100 per day
Plan C
Fully covered
Plan D6
Fully covered
Emergency Dental Treatment
Maximum per policy year
Plan A
US$10,000
Plan B
US$20,000
Plan C
Fully covered
Plan D6
Fully covered
Psychiatric Treatment
Maximum per policy year
Plan A
N.A.
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Specified Items
Maximum per policy year
- Pace maker
- Artificial cardiac valve
- Metallic or artificial joint for joint replacement
- Prosthetic ligaments for replacement or implantation between bones and
- Prosthetic intervertebral disc
Plan A
N.A.
Plan B
US$2,500 for both specified and non-specified items sharing the same limit
Plan C
Fully covered
Plan D6
Fully covered
Non-specified Items
Maximum per policy year
Plan A
N.A.
Plan B
US$2,500 for both specified and non-specified items sharing the same limit
Plan C
US$5,000
Plan D6
US$5,000
Hospital Cash
Maximum 120 days per policy year
Hospital cash will be payable for the following:
- Resident patient in the general ward of government hospital (Hong Kong & Macau only)
- Outpatient endoscopic procedures and
- Co-ordination of benefits
Plan A
US$100 per day
Plan B
US$100 per day
Plan C
US$150 per day
Plan D6
US$250 per day
Complications of Pregnancy
Maximum per policy year
Plan A
N.A.
Plan B
N.A.
Plan C
Fully covered
Plan D6
Fully covered
Private Nursing
Maximum 45 days per policy year
Plan A
N.A.
Plan B
N.A.
Plan C
Fully covered
Plan D6
Fully covered
Rehabilitation Benefit
Maximum per policy year
Covers expenses in a rehabilitation centre within 90 days after discharge from hospital
Plan A
N.A.
Plan B
N.A.
Plan C
Fully covered
Plan D6
Fully covered
Hospice or Palliative Care Benefit
Covers confinement in a registered hospice for care and nursing service following a diagnosis of terminal illness confirmed
Plan A
N.A.
Plan B
N.A.
Plan C
US$50,000
Lifetime benefit limit
Plan D6
US$100,000
Lifetime benefit limit
HIV/AIDS Treatment (3 years waiting period)
Plan A
N.A.
Plan B
N.A.
Plan C
US$75,000
Lifetime benefit limit
Plan D6
US$150,000
Lifetime benefit limit
Congenital Conditions
Plan A
N.A.
Plan B
N.A.
Plan C
US$25,000
Lifetime benefit limit
Plan D6
US$50,000
Lifetime benefit limit
Final Tribute Cost
Maximum per Insured Member
Plan A
US$2,000
Plan B
US$2,000
Plan C
US$5,000
Plan D6
US$5,000
6 Must be taken in conjunction with outpatient benefits
7 For the appliances of stents for percutaneous transluminal coronary angioplasty and intraocular lens for cataract surgery, such cost of appliances will be paid under Hospital charges
Extended Plan Benefits
Extended Benefits
Plan A
Plan B
Plan C
Plan D6
Increased Overall Annual Limit
Under Hospital Services, if Insured Member was diagnosed with one of the following diseases which was not a Pre-existing Condition or Congenital Condition: Bacterial Meningitis, Kawasaki Disease or Cancer
Plan A
Increase by 50%
Plan B
Increase by 50%
Plan C
Increase by 50%
Plan D6
Increase by 50%
Increased Benefit Limit
Emergency Dental Treatment under Hospital Services, where an Accident took place on school premises where the Insured Member is a full-time student
Plan A
Increase by 100%
Plan B
Increase by 100%
Plan C
Increase by 100%
Plan D6
Increase by 100%
Overseas Learning Programme
Maximum per policy year
Expenses incurred for applicable treatments under Outpatient Services, during the time the Insured Member is engaged as a participant in an overseas learning program arranged by the school
Plan A
US$500
Plan B
US$500
Plan C
US$1,000
Plan D6
US$2,000
Vaccination
Maximum per policy year
Plan A
US$150
Plan B
US$150
Plan C
US$150
Plan D6
US$150
Includes Emergency Medical Evacuation and Repatriation, Repatriation of Mortal Remains, Compassionate Visit and Return of Dependent Child/Children
Not available for Insured Members aged 70 or above
Plan A
Fully covered
Plan B
Fully covered
Plan C
Fully covered
Plan D6
Fully covered
Optional Coverage
Optional Coverage - Outpatient Services
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
Eligible for Plan C or Plan D6
Hospital Services Applicant
Overall Annual Limits
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$5,000
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$10,000
Eligible for Plan C or Plan D6
Hospital Services Applicant
Subject to Hospital Services
Overall Annual Limit
General Physician Services
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
Fully covered
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
Fully covered
Eligible for Plan C or Plan D6
Hospital Services Applicant
Fully covered
Specialist Services
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
Fully covered
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
Fully covered
Eligible for Plan C or Plan D6
Hospital Services Applicant
Fully covered
Chinese Physician
Maximum per policy year
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$500
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$800
Eligible for Plan C or Plan D6
Hospital Services Applicant
US$1,000
Physiotherapy and Chiropractic Treatment8
Maximum per policy year
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$1,500
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$2,500
Eligible for Plan C or Plan D6
Hospital Services Applicant
US$3,000
Laboratory and X-ray Services8
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
Fully covered
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
Fully covered
Eligible for Plan C or Plan D6
Hospital Services Applicant
Fully covered
Prescribed Drugs8
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
Fully covered
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
Fully covered
Eligible for Plan C or Plan D6
Hospital Services Applicant
Fully covered
Hormone Replacement Therapy8
Maximum per policy year
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$1,000
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$2,000
Eligible for Plan C or Plan D6
Hospital Services Applicant
US$2,000
Medical Appliances
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
Fully covered
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
Fully covered
Eligible for Plan C or Plan D6
Hospital Services Applicant
Fully covered
Hearing Aids
Maximum per policy year
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$750
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$750
Eligible for Plan C or Plan D6
Hospital Services Applicant
US$750
Wellness and Optical Services
Maximum per policy year
Routine medical check-up
Vaccination
Hearing Test
Eye exam & corrective vision aids
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$500
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$750
Eligible for Plan C or Plan D6
Hospital Services Applicant
US$750
Complementary/Alternative Treatment
Maximum per policy year
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$1,000
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$1,000
Eligible for Plan C or Plan D6
Hospital Services Applicant
US$1,000
Psychiatric Treatment
Maximum per policy year
Option 1
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$2,500
Option 2
(Eligible for Plan A or Plan B
Hospital Services applicant)
US$2,500
Eligible for Plan C or Plan D6
Hospital Services Applicant
US$2,500
6 Must be taken in conjunction with outpatient benefits
8 Referred by General Physician/Specialist in writing is required
Dental Care
(Eligible for Optional Outpatient Services applicant only)
Eligible for Plan A or Plan B
Hospital Services applicant
Eligible for Plan C or Plan D6
Hospital Services Applicant
Overall Annual Limit
Eligible for Plan A or Plan B
Hospital Services applicant
US$1,200
Eligible for Plan C or Plan D6
Hospital Services Applicant
US$2,000
Oral examination, scaling and polishing
Twice per policy year
Eligible for Plan A or Plan B
Hospital Services applicant
Fully covered
Eligible for Plan C or Plan D6
Hospital Services Applicant
Fully covered
Dental Treatment (6 months waiting period)
a.Intra oral x-ray
b.Impaction
c.Emergency treatment to relief dental pain (palliative)
d.Fillings
e.Medication/Drugs
f.Root canal treatment
j.Extraction (including wisdom tooth)
h.Periodontal treatment
Eligible for Plan A or Plan B
Hospital Services applicant
Fully covered
Eligible for Plan C or Plan D6
Hospital Services Applicant
Fully covered
Major Restorative Dental Treatment (12 months waiting period)
a.Dentures, crowns and bridges
b.Inlays
c.Implants (surgical implant placement/implant abutments)
Eligible for Plan A or Plan B
Hospital Services applicant
80% reimbursement
Eligible for Plan C or Plan D6
Hospital Services Applicant
Fully covered
Orthodontic Treatment (12 months waiting period)
For dependent child aged below 18
Eligible for Plan A or Plan B
Hospital Services applicant
50% reimbursement
Eligible for Plan C or Plan D6
Hospital Services Applicant
50% reimbursement
Maternity Care
(Eligible for Plan C or Plan D6 Hospital Services applicant)
First policy year overall annual limit
NIL
Second policy year overall annual limit
US$5,000
Third policy year and thereafter overall annual limit
US$10,000
The above annual benefit will be counted from the Commencement Date of Maternity Date
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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
The following treatments, conditions, activities, items and their related expenses are excluded from the plan and the insurer shall not be liable for the items listed below:
- Pre-existing conditions (refer to the General Provisions & Conditions)
- Birth defect and congenital illnesses unless otherwise explicitly provided and endorsed in the Schedule
- Infertility, contraception or sterilisation or inducing pregnancy unless otherwise explicitly provided and endorsed in the Policy or Schedule
- Treatment not undertaken by or on the recommendation of a physician
- Chinese herbs and/or tonic medicine such as but not limited to bird’s nest, lingzhi, ginseng, cordceps sinensis, agaricus blazei murill, sika deer antler, etc
- Drug purchased without physician’s prescription
- Addictive conditions/disorders, like abuse of drug or alcohol
- Self-inflicted injury or suicide
- Treatment which is not medically necessary or treatment of an optional nature
- Elective cosmetic surgery
- Injuries resulting from war, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection, civil commotion, or participating in an illegal act including resultant imprisonment
- Racing of any form other than on foot, and all professional sports
- Treatment of sexually transmitted diseases
- Alternative treatment, such as aroma therapy & naturopathy unless otherwise explicitly provided and endorsed in the Schedule
- Treatment for bodily injury or sickness incurred while serving as a member of police or military forces
For the full list of exclusions, please refer to the policy terms and conditions.
1 If the Insured Member has remained in the USA for more than 185 days at the time of incurring the covered medical expenses, all benefits payable under the Policy which takes place in the USA shall be reduced by at least forty percent (40%) of relevant reimbursable charges, subject always to the Policy’s terms and conditions, but in no event shall such reimbursement exceed the limits stated in the Schedule. Area of coverage: Asia – please refer to the area of coverage, Asia under the territorial scope of policy coverage
2 Not available for Insured members aged 70 and above
3 Insured member needs to follow the required procedures to enjoy the cashless hospitalisation arrangement. Please refer to the Policy and our website for more details on the requirements and arrangements. Insured members need to reimburse Liberty for the deductible, if any, as well as the shortfall which included medical expenses that are not eligible for claims
4 Upon application approval, we will guarantee Policy is renewable up to age 100 irrespective of your health condition or claims record. Policy renewal at each anniversary is guaranteed at the pool level when the benefits and premium rates are revised, subject to the payment of premium and the availability of the product, and the chosen plan option at renewal. For details, please refer to the insurance consultant and the Policy
The plan is subject to the terms, conditions, and exclusions of the relevant policy contract. Liberty Insurance reserves the final right to approve any application. This product brochure contains general information only and the information shown is for information purposes only. Please refer to the Policy and Policy Schedule for details of coverage, terms, and conditions.
If there is any inconsistency or ambiguity between the English version and the translated version, the English version shall prevail.