Key Benefits

1

Flexible cross plan combination on hospitalisation, outpatient, dental and business travel benefits

2

Free Overseas Emergency Medical Evacuation

3

Free Extended Major Medical Benefit

4

24-hours worldwide cover

5

Free outpatient doctor panel card with e-claim payment advice and online claim enquiry

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We've got your needs covered

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
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Room & Board charges
(limit per day, maximum 91 days per disability)		 HK$2,700 HK$1,760 HK$1,150 HK$730
Intensive Care Unit
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Intensive Care Unit
(limit per day, maximum 10 days per disability)		 HK$4,000 HK$2,700 HK$1,750 HK$940
Hospital Special Services
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Hospital Special Services
(per disability limit)		 HK$30,000 HK$23,000 HK$15,000 HK$11,500
Surgical Fees (per disability limit)
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Complex operation HK$90,000 HK$70,000 HK$50,000 HK$32,000
Major operation HK$45,000 HK$35,000 HK$25,000 HK$16,000
Intermediate operation HK$22,500 HK$17,500 HK$12,500 HK$8,000
Minor operation HK$11,250 HK$8,750 HK$6,250 HK$4,000
Anaesthetist's Fees (per disability limit)
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Complex operation HK$27,000 HK$21,000 HK$15,000 HK$9,600
Major operation HK$13,500 HK$10,500 HK$7,500 HK$4,800
Intermediate operation HK$6,750 HK$5,250 HK$3,750 HK$2,400
Minor operation HK$3,375 HK$2,625 HK$1,875 HK$1,200
Operating Theatre (per disability limit)
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Complex operation HK$27,000 HK$21,000 HK$15,000 HK$9,600
Major operation HK$13,500 HK$10,500 HK$7,500 HK$4,800
Intermediate operation HK$6,750 HK$5,250 HK$3,750 HK$2,400
Minor operation HK$3,375 HK$2,625 HK$1,875 HK$1,200
In-hospital Doctor's Consultation
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
In-hospital Doctor's Consultation
(limit per day, maximum 91 days per disability)		 HK$2,700 HK$1,760 HK$1,150 HK$730
In-hospital Specialist's Consultation
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
In-hospital Specialist's Consultation
(per disability limit, referred & recommended by attending physician in writing)		 HK$5,500 HK$4,500 HK$3,500 HK$2,000
Cashless Gastroscopy/Colonoscopy at designated day surgery centre
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Cashless Gastroscopy/Colonoscopy at designated day surgery centre
(pre-admission assessment is required, per procedure limit)		 Full coverage Full coverage Full coverage Full coverage
Day surgery for Gastroscopy/Colonoscopy
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Day surgery for Gastroscopy/Colonoscopy
(per procedure limit)		 HK$28,000 HK$23,000 HK$17,000 HK$10,000
Pre & Post-hospitalisation Treatment
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
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)		 HK$4,500 HK$3,000 HK$1,200 HK$1,000
Special Nursing
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Special Nursing
(limit per day, maximum of 30 days per disability)		 HK$800 HK$600 HK$400 HK$200
Daily Cash Benefit
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
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)		 HK$1,000 HK$650 HK$450 HK$275
Daily Cash for Co-ordinate Benefits
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Daily Cash for Co-ordinate Benefits
(limit per day, maximum of 91 days per disability)		 HK$1,000 HK$650 HK$450 HK$275
Final Tribute Costs
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Final Tribute Costs
(per case limit)		 HK$90,000 HK$70,000 HK$50,000 HK$30,000
Free Extended Major Medical (80% reimbursement, refer to the policy terms for coverage details)
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Deductible NIL NIL NIL NIL
Maximum limit per disability HK$150,000 HK$100,000 HK$50,000 HK$30,000
Free Overseas Emergency Medical Evacuation
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Free Overseas Emergency Medical Evacuation
(applicable to member age below 70)		 HK$2,000,000 HK$2,000,000 HK$2,000,000 HK$2,000,000
Greater China Card
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Greater China Card
(deposit-free admission)		 Free of charge Free of charge Free of charge Free of charge
100% Top-up Overseas Benefits for Hospitalisation benefits due to Accident, exclude China, Hong Kong & Macau
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
100% Top-up Overseas Benefits for Hospitalisation benefits due to Accident, exclude China, Hong Kong & Macau Hospital benefits increase to 200% Hospital benefits increase to 200% Hospital benefits increase to 200% Hospital benefits increase to 200%
Psychiatric Treatment
Basic Cover - Hospitalisation Benefits Option 1 Option 2 Option 3 Option 4
Psychiatric Treatment
(per policy year)		 HK$50,000 HK$40,000 HK$30,000 HK$20,000
Optional Cover - Dental Benefits Option 1 Option 2 Option 3 Option 4
Dental Benefits (80% Reimbursement)
Optional Cover - Dental Benefits Option 1 Option 2 Option 3 Option 4
Oral Examination, Scaling & Polishing
(once a year, limit per visit)		 HK$500 HK$500 HK$500 HK$500
Dental X-ray & Medications HK$3,000 HK$3,000 HK$3,000 HK$3,000
Filling & Simple Extractions HK$3,000 HK$3,000 HK$3,000 HK$3,000
Emergency Treatment of Dental Pain (Palliative) HK$3,000 HK$3,000 HK$3,000 HK$3,000
Impaction HK$3,000 HK$3,000 HK$3,000 HK$3,000
Denture (due to accident only) HK$3,000 HK$3,000 HK$3,000 HK$3,000
Overall maximum per policy year HK$3,000 HK$3,000 HK$3,000 HK$3,000
Optional Cover - Outpatient Benefits Option 1 Option 2 Option 3 Option 4
Outpatient Benefits (80% or 100%, with optional panel network doctors1)
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)		 HK$350 HK$280 HK$210 HK$170
Physiotherapist/Chiropractic Treatment2
(limit per visit per day, maximum 10 visits per policy year)		 HK$670 HK$520 HK$400 HK$320
Specialist Consultation
(limit per visit per day, maximum 10 visits per policy year)		 HK$670 HK$520 HK$400 HK$320
Chinese Herbalist/Bonesetter/Acupuncture Treatment
(limit per visit per day, maximum 10 visits per policy year)		 HK$240 HK$200 HK$180 HK$150
Diagnostic X-ray/Laboratory Test2
(maximum limit per policy year)		 HK$3,500 HK$2,600 HK$1,750 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

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
Personal Assistance
Optional Cover – Business Travel Benefits Option 1
Accidental Death & Permanent Disablement (Scale II) HK$1,200,000
  • Additional Indemnity for Public Conveyance
 HK$1,200,000
  • Major burns (second or third degree)
 HK$150,000
Accidental Death due to natural catastrophe HK$30,000
Medical Expenses and Assistance
Optional Cover – Business Travel Benefits Option 1
Medical Expenses
  1. Follow-up medical expenses incurred within 12 months after returned to Hong Kong and covered 100% of the unused portion 
  2. Expenses incurred and payable to Chinese physician and chiropractor, up to HK$200 per visit per day and max. HK$4,000 in aggregate
 HK$1,000,000
Hospital Cash
(Daily cash HK$500)		 HK$7,500
Comatose State
(Weekly cash HK$500, a maximum of 50 weeks)		 HK$25,000
Worldwide Emergency Services
  • 24/7 Emergency Assistance Hotline Services
Covered
  • Medical Evacuation & Repatriation
 Actual cost
  • Repatriation of Remains
 Actual cost
  • Hospital Guarantee Admission Services
 HK$40,000
  • Compassionate Visit
 HK$20,000
  • Dependent Child Care
 HK$20,000
  • Greater China Card (optional, charge HK$50 per card)
  
Travel Inconvenience Cover

Optional Cover – Business Travel Benefits

 Option 1
Loss of Deposit HK$20,000
Trip Curtailment or Disruption HK$20,000
Unexpected delay (HK$500 for every 6 hours) 
  • Travel misconnection (after 24 hours)
 HK$2,500
HK$10,000
Flight Overbooking
(HK$500 for every 6 hours)		 HK$1,500
Loss of Personal Effects Overseas

Optional Cover – Business Travel Benefits

 Option 1
Baggage Delay
(after 6 hours)		 HK$1,500
Personal Property HK$15,000
  • Laptop
 HK$10,000
  • Sports equipment
 HK$5,000
  • Other items
 HK$3,000
Personal Money & Travel Document HK$10,000
  • Cash limit
 HK$3,000
Liability Issue While Abroad

Optional Cover – Business Travel Benefits

 Option 1
Personal Liability HK$1,500,000
Extended Protection Towards the Employer

Optional Cover – Business Travel Benefits

 Option 1
Alternative Employee Expenses HK$20,000
Political or Natural Disaster Evacuation HK$15,000
Extended Well-being to the Employee

Optional Cover – Business Travel Benefits

 Option 1
Credit Card Protection HK$20,000
Education Fee Subsidy HK$25,000
Funeral Expenses & Repatriation of Remains HK$20,000
Home Modification HK$25,000
Rehabilitation Tuition Expenses HK$25,000
Scarring of Face HK$25,000
Spouse Retraining HK$20,000
Trauma Incident Counselling Benefit
(HK$1,500/day/visit, up to a maximum of)		 HK$15,000
Emergency Travel Services Assistance Free
Telephone Medical Advice Free
Inoculation information Free
Consulate & Embassy Information Free
Legal Referral Service Free
Optional Cover - Term Life, Accidental Death & Disablement Benefits Option 1
Maximum Limit (HK$)		 Option 2
Maximum Limit (HK$)		 Option 3
Maximum Limit (HK$)		 Option 4
Maximum Limit (HK$)
Optional Cover - Term Life, Accidental Death & Disablement Benefits
Optional Cover - Term Life, Accidental Death & Disablement Benefits Option 1
Maximum Limit (HK$)		 Option 2
Maximum Limit (HK$)		 Option 3
Maximum Limit (HK$)		 Option 4
Maximum Limit (HK$)
Term Life Benefit HK$1,000,000 HK$750,000 HK$500,000 HK$250,000
Accidental Death & Disablement Benefit HK$1,000,000 HK$750,000 HK$500,000 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

Notes

Special Plan Features
  • 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
Plan Rules - Medical & Dental Benefits
  • 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
Plan Rules - Travel Benefits
  • 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
Major Exclusions: Medical & Dental Benefits 
  • 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
Major Exclusions: Travel Benefits

(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
Major Exclusions: Accidental Death and Disability Benefits

(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 Insurance reserves the final right to approve any application.

 

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