Key Benefits

1

Four different basic plan options with wide range of coverage

2

Three area of coverage selections including Worldwide, excluding USA and Asia1

3

Extended plan benefits-24-hour Overseas Emergency Services2 and Greater China Assistance Program

4

Cashless hospital arrangement with direct billing3

5

Guaranteed life time renewal with pool rating and coverage4

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We've got your needs covered

Compare our plans in details, you'll definitely find something that suits you

Territorial Scope of Policy Coverage Area
Area of Coverage Area 1 - Worldwide
Area 2 - Worldwide excluding USA
Area 3 - Asia5
Outside Area of Coverage Emergency treatment only

 cases within Hong Kong & Macau restricted to semi-private room for Plan A & B only 

Basic Coverage (US$)

Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Annual Deductible Options NIL NIL NIL / US$5,000 / US$8,000 NIL / US$5,000 / US$8,000
Overall Annual Limits US$180,000 US$380,000 US$2,500,000 US$5,000,000
Hospital Charges
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Hospital Charges Fully covered Fully covered Fully covered Fully covered
Room and Board
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Room and Board US$200 per day US$500 per day Fully covered
Up to Standard Private Room Level Charge
Fully covered
Up to Standard Private Room Level Charge
Intensive Care Unit
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Intensive Care Unit US$750 per day US$1,100 per day Fully covered Fully covered
Companion Bed
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Companion Bed
Accompanied dependent child below age 20
Fully covered Fully covered Fully covered Fully covered
Oncology Treatment
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Oncology Treatment  Fully covered Fully covered Fully covered Fully covered
Day Case Treatment
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Day Case Treatment
Maximum per policy year
US$6,000 Fully covered Fully covered Fully covered
Renal Dialysis
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Renal Dialysis
Maximum per policy year
US$10,000 US$20,000 Fully covered Fully covered
Local Ambulance Services
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Local Ambulance Services Fully covered Fully covered Fully covered Fully covered
Local Transport
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Local Transport
On the day of discharge from confinement
Single trip following confinement of 7 days or more
Fully covered Fully covered Fully covered Fully covered
Organ Transplant
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Organ Transplant
Maximum per policy year
Excluding donor costs if chargeable to the Insured Member
US$75,000 US$100,000 Fully covered Fully covered
Pre & Post-hospitalisation Treatment
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Pre & Post-hospitalisation Treatment
Outpatient expenses incurred within 30 days before admission and 90 days following hospital discharge
Fully covered Fully covered Fully covered Fully covered
Advanced Diagnostic Scanning
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Advanced Diagnostic Scanning Fully covered Fully covered Fully covered Fully covered
Emergency Ward Treatment
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Emergency Ward Treatment Fully covered Fully covered Fully covered Fully covered
Nursing at Home
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Nursing at Home
Incurred start date within 30 days from discharge up to 182 days per year
N.A. US$100 per day Fully covered Fully covered
Emergency Dental Treatment
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Emergency Dental Treatment
Maximum per policy year
US$10,000 US$20,000 Fully covered Fully covered
Psychiatric Treatment
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Psychiatric Treatment
Maximum per policy year
N.A. US$2,000 US$7,500 US$7,500
Surgical Appliances7
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Specified Items
Maximum per policy year
  1. Pace maker
  2. Artificial cardiac valve
  3. Metallic or artificial joint for joint replacement
  4. Prosthetic ligaments for replacement or implantation between bones and 
  5. Prosthetic intervertebral disc
N.A. US$2,500 for both specified and non-specified items sharing the same limit Fully covered Fully covered
Non-specified Items
Maximum per policy year
N.A. US$2,500 for both specified and non-specified items sharing the same limit US$5,000 US$5,000
Hospital Cash
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Hospital Cash
Maximum 120 days per policy year

Hospital cash will be payable for the following:
  1. Resident patient in the general ward of government hospital (Hong Kong & Macau only)
  2. Outpatient endoscopic procedures and
  3. Co-ordination of benefits
US$100 per day US$100 per day US$150 per day US$250 per day
Complications of Pregnancy
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Complications of Pregnancy
Maximum per policy year
N.A. N.A. Fully covered Fully covered
Private Nursing
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Private Nursing
Maximum 45 days per policy year
N.A. N.A. Fully covered Fully covered
Rehabilitation Benefit
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Rehabilitation Benefit
Maximum per policy year
Covers expenses in a rehabilitation centre within 90 days after discharge from hospital
N.A. N.A. US$20,000 US$40,000
Hospice or Palliative Care Benefit
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Hospice or Palliative Care Benefit
Covers confinement in a registered hospice for care and nursing service following a diagnosis of terminal illness confirmed
N.A. N.A. US$50,000
Lifetime benefit limit
US$100,000
Lifetime benefit limit
HIV/AIDS Treatment
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
HIV/AIDS Treatment
Waiting period of 3 years prior to the first positive HIV treatment for HIV/AIDS (or following possible exposure to the virus), whichever is later
N.A. N.A. US$75,000
Lifetime benefit limit
US$150,000
Lifetime benefit limit
Congenital Conditions
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Congenital Conditions N.A. N.A. US$25,000
Lifetime benefit limit
US$50,000
Lifetime benefit limit
Final Tribute Cost
Basic Cover - Hospital Services Plan A Plan B Plan C Plan D6
Final Tribute Cost
Maximum per Insured Member
US$2,000 US$2,000 US$5,000 US$5,000

Must be taken in conjunction with outpatient benefits 
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
For Insured Members aged below 18
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
Increase by 50% Increase by 50% Increase by 50% 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
Increase by 100% Increase by 100% Increase by 100% 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
US$500 US$500 US$1,000 US$2,000
Vaccination
Maximum per policy year
US$150 US$150 US$150 US$150
For Overseas Emergency Services
Extended Benefits Plan A Plan B Plan C Plan D6
Includes Emergency Medical Evacuation & Repatriation, Emergency Medical Repatriation, Repatriation of Mortal Remains, Compassionate Visit and Return of Dependent Child/Children 

Not available for Insured Members aged 70 or above 

Fully covered Fully covered Fully covered Fully covered

 

Optional Coverage (US$)

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 US$5,000 US$10,000 Subject to Hospital Services
Overall Annual Limit
General Physician Services
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
General Physician Services Fully covered Fully covered Fully covered
Specialist Services
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
Specialist Services Fully covered Fully covered Fully covered
Chinese Herbalist, Bonesetter & Acupuncture
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
Chinese Herbalist, Bonesetter & Acupuncture
Maximum per policy year
US$500 US$800 US$1,000
Physiotherapy & Chiropractic Treatment8
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
Physiotherapy & Chiropractic Treatment8
Maximum per policy year
US$1,500 US$2,500 US$3,000
Laboratory & X-ray Services8
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
Laboratory & X-ray Services8 Fully covered Fully covered Fully covered
Prescribed Drugs8
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
Prescribed Drugs8 Fully covered Fully covered Fully covered
Hormone Replacement Therapy8
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
Hormone Replacement Therapy8
Maximum per policy year
US$1,000 US$2,000 US$2,000
Medical Appliances
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
Medical Appliances Fully covered Fully covered Fully covered
Hearing Aids
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
Hearing Aids
Maximum per policy year
US$750 US$750 US$750
Wellness & Optical Services
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
Wellness & Optical Services
Maximum per policy year
Routine medical check-up
Vaccination
Hearing Test
Eye exam & corrective vision aids
US$500 US$750 US$750

Must be taken in conjunction with outpatient benefits
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 Optional Outpatient
Services Applicant Only
Overall Annual Limit US$1,200 US$2,000
Oral Examination
Dental Care
(Eligible for Optional Outpatient Services applicant only)
Eligible for Plan A or Plan B
Hospital Services applicant
Eligible for Optional Outpatient
Services Applicant Only
Oral examination, scaling or polishing
Twice per policy year
Fully covered Fully covered
Dental Treatment (within 6 months waiting period)
Dental Care
(Eligible for Optional Outpatient Services applicant only)
Eligible for Plan A or Plan B
Hospital Services applicant
Eligible for Optional Outpatient
Services Applicant Only
Dental Treatment (within 6 months waiting period)
  1. Intra oral x-ray
  2. Impaction
  3. Emergency treatment to relief dental pain (palliative)
  4. Fillings
  5. Medication/Drugs
  6. Root canal treatment
  7. Extraction (including wisdom tooth)
  8. Periodontal treatment
Fully covered Fully covered
Major Restorative Dental Treatment (within 12 months waiting period)
Dental Care
(Eligible for Optional Outpatient Services applicant only)
Eligible for Plan A or Plan B
Hospital Services applicant
Eligible for Optional Outpatient
Services Applicant Only
Major Restorative Dental Treatment (within 12 months waiting period)
  1. Dentures, crowns & bridges
  2. Inlays
  3. Implants (surgical implant placement/implant abutments)
80% reimbursement Fully covered
Orthodontic Treatment (12 months waiting period)
Dental Care
(Eligible for Optional Outpatient Services applicant only)
Eligible for Plan A or Plan B
Hospital Services applicant
Eligible for Optional Outpatient
​​​​​​​Services Applicant Only
Orthodontic Treatment (12 months waiting period)
For dependent child aged below 18
50% reimbursement 50% reimbursement
Maternity Care
​​​​​​​(Eligible for Plan C or Plan D6 Hospital Services applicant)
 
First year overall annual limit N.A.
Second year overall annual limit US$5,000
Third year & thereafter overall annual limit US$10,000

The above annual benefit will be counted from the Commencement Date of Maternity Date

Notes

Major Exclusions

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 
  • 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 
  • 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. 

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 & 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

Not available for Insured members aged 70 & above

Insured member needs to follow the required procedures to enjoy the cashless hospitalisation arrangement. Please refer to the plan rules 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

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 plan 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.