proMedicoYour high-end plan
Uniquely designed medical plan for youproMedico is a high-end medical plan that is uniquely designed to meet the needs of our customers. We
will be there for you in sickness and in health to give you the peace of mind you deserve with our comprehensive medical insurance. Our premier proMedico product offers four different benefit plans,
and each of our plans allows you to elect your desired option for geographic area of coverage.
Benefits at a glance
Four different basic plan options with wide range of
coverage
Extended plan benefits-24-hour
Overseas Emergency Services2 and Greater
China Assistance Program
Three area of coverage selections including Worldwide, excluding
USA and Asia1
Cashless hospital arrangement with
direct billing3
Guaranteed life time renewal with pool
rating and coverage4
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 area of coverage, Asia
under 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 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 includes 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 plan policy.
Local TransportOn the day of discharge from confinementSingle trip following confinement of 7 days or more
Fully covered Fully covered Fully covered Fully covered
Local Ambulance Services Fully covered Fully covered Fully covered Fully covered
Renal DialysisMaximum per policy year
US$10,000 US$20,000 Fully covered Fully covered
Oncology Treatment Fully covered Fully covered Fully covered Fully covered
Companion BedAccompanied dependent child below age 20
Fully covered Fully covered Fully covered Fully covered
Intensive Care Unit US$750per day
US$1,100per day
Fully covered Fully covered
Room and Board US$200per day
US$500per day
Fully coveredUp to
StandardPrivate RoomLevel Charge
Fully coveredUp to
StandardPrivate RoomLevel Charge
HK$2,700 HK$1,760 HK$1,150 HK$730Hospital Charges Fully covered Fully covered Fully covered Fully covered
Day Case TreatmentMaximum per policy year
US$6,000 Fully covered Fully covered Fully covered
Outside Area of Coverage Emergency treatment only
Area of Coverage Area 1 - WorldwideArea 2 - Worldwide excluding USAArea 3 - Asia5
Territorial Scope of Policy Coverage
5 cases within Hong Kong and Macau restricted to semi-private room for Plan A and B only
Summary of Benefits
Plan A Plan B Plan C Plan D6Hospitalisation Benefits
Annual Deductibles Options
Overall Annual Limit
Nil NilNil/
US$5,000/US$8,000
Nil/US$5,000/US$8,000
US$180,000 US$380,000 US$2,500,000 US$5,000,000
Organ TransplantMaximum per policy yearExcluding donor costs if chargeable to the InsuredMember
US$75,000 US$100,000 Fully covered Fully covered
Complications of PregnancyMaximum per policy year
N.A. N.A. Fully covered Fully covered
Hospital CashMaximum 120 days per policy yearHospital cash will be payable for the following:a) Resident patient in the general ward of government hospital (Hong Kong & Macau only)
b) Outpatient endoscopic procedures
c) Co-ordination of benefits
Surgical Appliances7
Maximum per policy year
Specified items:a) Pace maker
b) Artificial cardiac valve
c) Metallic or artificial joint for joint replacement
d) Prosthetic ligaments for replacement or implantation between bones; and
e) Prosthetic intervertebral disc
Non-specified items
N.A. US$2,500for both
specified andnon-specifieditems sharingthe same limit
Fully covered Fully covered
Emergency Dental TreatmentMaximum per policy year
US$10,000 US$20,000 Fully covered Fully covered
Nursing at HomeIncurred start date within 30 days from discharge up to 182 days per year
N.A. US$100per day
Fully covered Fully covered
Emergency Ward Treatment Fully covered Fully covered Fully covered Fully covered
Advanced Diagnostic Scanning Fully covered Fully covered Fully covered Fully covered
Pre & Post-hospitalisation TreatmentOutpatient expenses incurred within 30 daysbefore admission and 90 days following hospitaldischarge
Fully covered Fully covered Fully covered Fully covered
Summary of Benefits
Plan A Plan B Plan C Plan D6Hospitalisation Benefits
Psychiatric TreatmentMaximum per policy year
N.A. US$2,000 US$7,500 US$7,500
US$5,000 US$5,000
US$100per day
US$100per day
US$150per day
US$250per day
N.A. N.A.
Increased Benefit LimitEmergency Dental Treatment under HospitalServices, where an Accident took place on schoolpremises where the Insured Member is a full-timestudent
Increaseby 100%
Increaseby 100%
Increaseby 100%
Increaseby 100%
Final Tribute CostMaximum per Insured Member
US$2,000 US$2,000 US$5,000 US$5,000
Congenital Conditions N.A. N.A. US$25,000Lifetime
benefit limit
US$50,000Lifetime
benefit limit
HIV/AIDS TreatmentWaiting period of 3 years prior to the first positiveHIV treatment for HIV/AIDS (or following possibleexposure to the virus), whichever is later
N.A. N.A. US$75,000Lifetime
benefit limit
US$150,000Lifetime
benefit limit
Hospice or Palliative Care BenefitCovers confinement in a registered hospice for careand nursing service following a diagnosis ofterminal illness confirmed
N.A. N.A. US$50,000Lifetime
benefit limit
US$100,000Lifetime
benefit limit
Private NursingMaximum 45 days per policy year
N.A. N.A. Fully covered Fully covered
Rehabilitation BenefitMaximum per policy yearCovers expenses in a rehabilitation centre within 90days after discharge from hospital
N.A. N.A. US$20,000 US$40,000
6 Must be taken in conjunction with outpatient benefits7 For the appliances of stents for percutaneous transluminal coronary angioplasty and intraocular lens for cataract surgery, such cost of applianceswill be paid under Hospital charges
Increased Overall Annual LimitUnder Hospital Services, if Insured Member is diagnosed with one of the following diseases which is not a Pre-existing Condition or Congenital Condition: Bacterial Meningitis, Kawasaki Disease or Cancer
Increaseby 50%
Increaseby 50%
Increaseby 50%
Increaseby 50%
Extended Plan Benefits
Plan A Plan B Plan C Plan D6
For Insured Members aged below 18
Plan A Plan B Plan C Plan D6Hospitalisation Benefits
Summary of Benefits
Hormone Replacement Therapy8
Maximum per policy yearUS$1,000 US$2,000 US$2,000
Prescribed Drugs8 Fully covered Fully covered Fully covered
Laboratory & X-ray Services8 Fully covered Fully covered Fully covered
Physiotherapy & Chiropractic Treatment8
Maximum per policy yearUS$1,500 US$2,500 US$3,000
Chinese Herbalist, Bonesetter & AcupunctureMaximum per policy year
US$500 US$800 US$1,000
Specialist Services Fully covered Fully covered Fully covered
General Physician Services Fully covered Fully covered Fully covered
Includes Emergency Medical Evacuation &Repatriation, Emergency Medical Repatriation,Repatriation of Mortal Remains, CompassionateVisit and Return of Dependent Child/ChildrenNot available for Insured Members aged 70 orabove
Fully covered Fully covered Fully covered Fully covered
VaccinationMaximum per policy year
US$150 US$150 US$150 US$150
For Overseas Emergency Services
Optional Coverage (US$)
Option 1(Eligible for
Plan A or Plan BHospital
Services applicant)
Option 2(Eligible for
Plan A or Plan BHospital
Services applicant)
Eligible forPlan C or Plan D6
HospitalServices applicant
Outpatient Services
Overall Annual Limit US$5,000 US$10,000 Subject to HospitalServices Overall
Annual Limit
Overseas Learning ProgramMaximum per policy yearExpenses incurred for applicable treatments underOutpatient Services, during the time the Insured Member is engaged as a participant in an overseaslearning program arranged by the school
US$500 US$500 US$1,000 US$2,000
Extended Plan Benefits
Plan A Plan B Plan C Plan D6
For Insured Members aged below 18
Dental Treatment (within 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
g) Extraction (including wisdom tooth)
h) Periodontal treatment
Fully covered Fully covered
Wellness and Optical ServicesMaximum per policy yearRoutine medical check-upVaccinationHearing testEye exam & corrective vision aids
US$500 US$750 US$750
Medical Appliances Fully covered Fully covered Fully covered
Hearing AidsMaximum per policy year
US$750 US$750 US$750
8 Referred by General Physician/Specialist in writing is required
Eligible for Plan Aor Plan BHospital
Services applicant
Eligible for OptionalOutpatient Services
applicant only
Dental Care (Eligible for OptionalOutpatient Services applicant only)
Overall Annual Limit US$1,200 US$2,000
Oral examination, scaling & polishingTwice per policy year
Fully covered Fully covered
Optional Coverage (US$)
Option 1(Eligible for
Plan A or Plan BHospital
Services applicant)
Option 2(Eligible for
Plan A or Plan BHospital
Services applicant)
Eligible forPlan C or Plan D6
HospitalServices applicant
Outpatient Services
Major Restorative Dental Treatment(within 12 months waiting period)a) Dentures, crowns and bridges
b) Inlays
c) Implants (surgical implant placement/implant abutments)
80% reimbursement Fully covered
Orthodontic Treatment (12 months waiting period)For dependent child aged below 18
50% reimbursement 50% reimbursement
First year overall annual limit N.A.
Second year overall annual limit US$5,000
Third year and thereafter overall annual limit US$10,000
Maternity Care (Eligible for Plan C or Plan D6 Hospital Services applicant)
The above annual benefit will be counted from the Commencement Date of Maternity Date
Eligible for Plan Aor Plan BHospital
Services applicant
Eligible for OptionalOutpatient Services
applicant only
Dental Care (Eligible for OptionalOutpatient Services applicant only)
Optional Coverage (US$)
Annual Premiums including Premium Levy (US$)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
Basic Coverage - Hospital Services On Top of Basic Coverage Premium
Age9 Plan B - $380,000Coverage
Optional OutpatientServices -
$5,000 Limit
Optional OutpatientServices -
$10,000 Limit
Plan A - $180,000Coverage
Area 1 Area 2 Area 35
1,367
1,367
1,367
1,367
1,367
1,327
1,322
1,317
1,312
1,307
1,302
1,307
1,312
1,317
1,322
1,327
1,332
1,337
1,342
1,346
1,351
1,403
1,454
1,506
1,557
1,609
1,639
1,668
1,698
1,728
1,757
1,796
1,835
911
911
911
911
911
884
881
878
874
871
868
871
874
878
881
884
888
891
894
898
901
935
970
1,004
1,038
1,073
1,092
1,112
1,132
1,152
1,172
1,198
1,224
683
683
683
683
683
663
661
658
656
653
651
653
656
658
661
663
666
668
671
673
676
701
727
753
779
804
819
834
849
864
879
898
918
Area 1 Area 2 Area 35
1,822
1,822
1,822
1,822
1,822
1,769
1,762
1,756
1,749
1,742
1,736
1,742
1,749
1,756
1,762
1,769
1,775
1,782
1,789
1,795
1,802
1,871
1,939
2,008
2,077
2,145
2,185
2,224
2,264
2,304
2,343
2,395
2,447
1,215
1,215
1,215
1,215
1,215
1,179
1,175
1,170
1,166
1,162
1,157
1,162
1,166
1,170
1,175
1,179
1,184
1,188
1,192
1,197
1,201
1,247
1,293
1,339
1,384
1,430
1,457
1,483
1,509
1,536
1,562
1,597
1,631
911
911
911
911
911
884
881
878
874
871
868
871
874
878
881
884
888
891
894
898
901
935
970
1,004
1,038
1,073
1,092
1,112
1,132
1,152
1,172
1,198
1,224
Area 1 Area 2 Area 35
2,255
2,255
2,255
2,255
2,255
2,066
2,028
1,990
1,953
1,915
1,877
1,859
1,840
1,822
1,803
1,785
1,727
1,670
1,613
1,556
1,499
1,473
1,447
1,422
1,396
1,370
1,408
1,446
1,484
1,522
1,561
1,607
1,654
1,503
1,503
1,503
1,503
1,503
1,377
1,352
1,327
1,302
1,277
1,251
1,239
1,227
1,214
1,202
1,190
1,152
1,114
1,075
1,037
999
982
965
948
931
913
939
964
990
1,015
1,040
1,072
1,103
1,278
1,278
1,278
1,278
1,278
1,171
1,149
1,128
1,106
1,085
1,064
1,053
1,043
1,032
1,022
1,011
979
947
914
882
849
835
820
806
791
776
798
820
841
863
884
911
937
Area 1 Area 2 Area 35
3,382
3,382
3,382
3,382
3,382
3,099
3,042
2,986
2,929
2,872
2,815
2,788
2,760
2,732
2,705
2,677
2,591
2,506
2,420
2,334
2,249
2,210
2,171
2,132
2,094
2,055
2,112
2,169
2,227
2,284
2,341
2,411
2,481
2,255
2,255
2,255
2,255
2,255
2,066
2,028
1,990
1,953
1,915
1,877
1,859
1,840
1,822
1,803
1,785
1,727
1,670
1,613
1,556
1,499
1,473
1,447
1,422
1,396
1,370
1,408
1,446
1,484
1,522
1,561
1,607
1,654
1,917
1,917
1,917
1,917
1,917
1,756
1,724
1,692
1,660
1,628
1,595
1,580
1,564
1,548
1,533
1,517
1,468
1,420
1,371
1,323
1,274
1,252
1,230
1,208
1,186
1,165
1,197
1,229
1,262
1,294
1,326
1,366
1,406
33 1,874 1,250 937 2,499 1,666 1,250 1,701 1,134 964 2,551 1,701 1,446
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
1,914
1,953
2,017
2,082
2,147
2,212
2,277
2,368
2,459
2,551
2,642
2,734
2,890
3,046
3,202
3,358
3,515
3,728
3,941
4,154
4,368
4,581
4,919
5,257
5,594
5,932
6,270
6,760
7,249
7,739
8,229
8,718
1,276
1,302
1,345
1,388
1,431
1,475
1,518
1,579
1,640
1,701
1,761
1,822
1,927
2,031
2,135
2,239
2,343
2,485
2,627
2,770
2,912
3,054
3,279
3,504
3,730
3,955
4,180
4,507
4,833
5,159
5,486
5,812
957
976
1,009
1,041
1,074
1,106
1,138
1,184
1,230
1,275
1,321
1,367
1,445
1,523
1,601
1,679
1,757
1,864
1,971
2,077
2,184
2,290
2,459
2,628
2,797
2,966
3,135
3,380
3,625
3,870
4,114
4,359
2,551
2,603
2,690
2,776
2,863
2,949
3,036
3,157
3,279
3,401
3,523
3,645
3,853
4,061
4,270
4,478
4,686
4,970
5,255
5,539
5,823
6,108
6,558
7,009
7,459
7,910
8,360
9,013
9,666
10,319
10,972
11,624
1,701
1,736
1,793
1,851
1,908
1,966
2,024
2,105
2,186
2,267
2,349
2,430
2,569
2,708
2,846
2,985
3,124
3,314
3,503
3,693
3,882
4,072
4,372
4,673
4,973
5,273
5,574
6,009
6,444
6,879
7,314
7,750
1,276
1,302
1,345
1,388
1,431
1,475
1,518
1,579
1,640
1,701
1,761
1,822
1,927
2,031
2,135
2,239
2,343
2,485
2,627
2,770
2,912
3,054
3,279
3,504
3,730
3,955
4,180
4,507
4,833
5,159
5,486
5,812
1,748
1,795
1,848
1,902
1,956
2,010
2,064
2,126
2,188
2,250
2,311
2,373
2,445
2,516
2,587
2,658
2,729
2,811
2,893
2,975
3,057
3,139
3,233
3,327
3,421
3,515
3,610
3,718
3,826
3,934
4,043
4,151
1,165
1,196
1,232
1,268
1,304
1,340
1,376
1,417
1,458
1,500
1,541
1,582
1,630
1,677
1,725
1,772
1,820
1,874
1,929
1,983
2,038
2,093
2,155
2,218
2,281
2,344
2,406
2,479
2,551
2,623
2,695
2,767
990
1,017
1,047
1,078
1,108
1,139
1,169
1,205
1,240
1,275
1,310
1,345
1,385
1,426
1,466
1,506
1,547
1,593
1,639
1,686
1,732
1,779
1,832
1,885
1,939
1,992
2,045
2,107
2,168
2,230
2,291
2,352
2,622
2,692
2,773
2,853
2,934
3,015
3,096
3,189
3,281
3,374
3,467
3,560
3,667
3,774
3,880
3,987
4,094
4,217
4,340
4,463
4,585
4,708
4,849
4,991
5,132
5,273
5,414
5,577
5,739
5,902
6,064
6,227
1,748
1,795
1,848
1,902
1,956
2,010
2,064
2,126
2,188
2,250
2,311
2,373
2,445
2,516
2,587
2,658
2,729
2,811
2,893
2,975
3,057
3,139
3,233
3,327
3,421
3,515
3,610
3,718
3,826
3,934
4,043
4,151
1,486
1,525
1,571
1,617
1,663
1,708
1,754
1,807
1,859
1,912
1,965
2,017
2,078
2,138
2,199
2,259
2,320
2,390
2,459
2,529
2,598
2,668
2,748
2,828
2,908
2,988
3,068
3,160
3,252
3,344
3,436
3,528
66 9,112 6,074 4,556 12,149 8,099 6,074 4,276 2,850 2,423 6,413 4,276 3,634
Annual Premiums including Premium Levy (US$)
Basic Coverage - Hospital Services On Top of Basic Coverage Premium
Age9 Plan B - $380,000Coverage
Optional OutpatientServices -
$5,000 Limit
Optional OutpatientServices -
$10,000 Limit
Plan A - $180,000Coverage
Area 1 Area 2 Area 1 Area 2 Area 1 Area 2 Area 1 Area 2Area 35 Area 35 Area 35 Area 35
Annual Premiums including Premium Levy (US$)
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
9,505
9,898
10,291
10,685
11,112
11,556
12,019
12,499
12,999
13,519
14,060
14,623
15,207
15,816
16,448
17,106
17,791
18,502
19,242
20,012
20,812
21,645
22,511
23,411
24,348
25,321
26,334
27,388
28,483
29,623
30,807
32,040
33,321
6,337
6,599
6,861
7,123
7,408
7,704
8,012
8,333
8,666
9,013
9,373
9,748
10,138
10,544
10,966
11,404
11,860
12,335
12,828
13,341
13,875
14,430
15,007
15,607
16,232
16,881
17,556
18,258
18,989
19,748
20,538
21,360
22,214
4,752
4,949
5,146
5,342
5,556
5,778
6,009
6,250
6,500
6,760
7,030
7,311
7,604
7,908
8,224
8,553
8,895
9,251
9,621
10,006
10,406
10,822
11,255
11,706
12,174
12,661
13,167
13,694
14,242
14,811
15,404
16,020
16,661
12,673
13,197
13,722
14,246
14,816
15,409
16,025
16,666
17,332
18,026
18,747
19,497
20,277
21,088
21,931
22,808
23,721
24,670
25,656
26,683
27,750
28,860
30,014
31,215
32,463
33,762
35,112
36,517
37,978
39,497
41,077
42,720
44,428
8,449
8,798
9,148
9,497
9,877
10,272
10,683
11,111
11,555
12,017
12,498
12,998
13,518
14,058
14,621
15,206
15,814
16,446
17,104
17,788
18,500
19,240
20,009
20,810
21,642
22,508
23,408
24,345
25,318
26,331
27,384
28,480
29,619
6,337
6,599
6,861
7,123
7,408
7,704
8,012
8,333
8,666
9,013
9,373
9,748
10,138
10,544
10,966
11,404
11,860
12,335
12,828
13,341
13,875
14,430
15,007
15,607
16,232
16,881
17,556
18,258
18,989
19,748
20,538
21,360
22,214
4,400
4,525
4,649
4,774
4,917
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
2,933
3,016
3,099
3,182
3,278
3,376
3,478
3,582
3,689
3,800
3,914
4,031
4,152
4,277
4,405
4,537
4,674
4,814
4,958
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
2,493
2,564
2,635
2,705
2,786
2,870
2,956
3,045
3,136
3,230
3,327
3,427
3,530
3,635
3,744
3,857
3,973
4,092
4,214
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
6,600
6,787
6,974
7,161
7,375
7,597
7,824
8,059
8,301
8,550
8,807
9,071
9,343
9,623
9,912
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
4,400
4,525
4,649
4,774
4,917
5,064
5,216
5,373
5,534
5,700
5,871
6,047
6,229
6,415
6,608
6,806
7,010
7,221
7,437
7,660
7,890
8,127
8,371
8,622
8,880
9,147
9,421
9,704
9,995
10,000
10,000
10,000
10,000
3,740
3,846
3,952
4,058
4,179
4,305
4,434
4,567
4,704
4,845
4,990
5,140
5,294
5,453
5,617
5,785
5,959
6,138
6,322
6,511
6,707
6,908
7,115
7,329
7,548
7,775
8,008
8,248
8,496
8,500
8,500
8,500
8,500
9 Refer to last birthday
Basic Coverage - Hospital Services On Top of Basic Coverage Premium
Age9 Plan B - $380,000Coverage
Optional OutpatientServices -
$5,000 Limit
Optional OutpatientServices -
$10,000 Limit
Plan A - $180,000Coverage
Area 1 Area 2 Area 1 Area 2 Area 1 Area 2 Area 1 Area 2Area 35 Area 35 Area 35 Area 35
Annual Premiums including Premium Levy (US$)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
3,037
3,037
3,037
3,037
3,037
2,948
2,937
2,926
2,915
2,904
2,893
2,904
2,915
2,926
2,937
2,948
2,959
2,970
2,981
2,992
3,003
3,118
3,232
3,347
3,461
3,575
3,641
3,707
3,773
3,839
3,905
3,992
4,079
1,822
1,822
1,822
1,822
1,822
1,769
1,762
1,756
1,749
1,742
1,736
1,742
1,749
1,756
1,762
1,769
1,775
1,782
1,789
1,795
1,802
1,871
1,939
2,008
2,077
2,145
2,185
2,224
2,264
2,304
2,343
2,395
2,447
1,519
1,519
1,519
1,519
1,519
1,474
1,468
1,463
1,457
1,452
1,446
1,452
1,457
1,463
1,468
1,474
1,480
1,485
1,491
1,496
1,502
1,559
1,616
1,673
1,730
1,788
1,821
1,854
1,887
1,920
1,953
1,996
2,039
2,025
2,025
2,025
2,025
2,025
1,965
1,958
1,951
1,943
1,936
1,928
1,936
1,943
1,951
1,958
1,965
1,973
1,980
1,987
1,995
2,002
2,078
2,155
2,231
2,307
2,384
2,428
2,472
2,516
2,559
2,603
2,661
2,719
1,215
1,215
1,215
1,215
1,215
1,179
1,175
1,170
1,166
1,162
1,157
1,162
1,166
1,170
1,175
1,179
1,184
1,188
1,192
1,197
1,201
1,247
1,293
1,339
1,384
1,430
1,457
1,483
1,509
1,536
1,562
1,597
1,631
1,012
1,012
1,012
1,012
1,012
983
979
975
972
968
964
968
972
975
979
983
986
990
994
997
1,001
1,039
1,077
1,116
1,154
1,192
1,214
1,236
1,258
1,280
1,302
1,331
1,360
1,519
1,519
1,519
1,519
1,519
1,474
1,468
1,463
1,457
1,452
1,446
1,452
1,457
1,463
1,468
1,474
1,480
1,485
1,491
1,496
1,502
1,559
1,616
1,673
1,730
1,788
1,821
1,854
1,887
1,920
1,953
1,996
2,039
911
911
911
911
911
884
881
878
874
871
868
871
874
878
881
884
888
891
894
898
901
935
970
1,004
1,038
1,073
1,092
1,112
1,132
1,152
1,172
1,198
1,224
759
759
759
759
759
737
734
731
729
726
723
726
729
731
734
737
740
743
745
748
751
779
808
837
865
894
910
927
943
960
976
998
1,020
4,510
4,510
4,510
4,510
4,510
4,132
4,056
3,981
3,905
3,830
3,754
3,717
3,680
3,643
3,606
3,569
3,455
3,341
3,226
3,112
2,998
2,946
2,895
2,843
2,792
2,740
2,816
2,892
2,969
3,045
3,121
3,261
3,402
3,007
3,007
3,007
3,007
3,007
2,755
2,704
2,654
2,603
2,553
2,503
2,478
2,453
2,429
2,404
2,379
2,303
2,227
2,151
2,075
1,999
1,964
1,930
1,896
1,861
1,827
1,878
1,928
1,979
2,030
2,081
2,174
2,268
2,556
2,556
2,556
2,556
2,556
2,341
2,299
2,256
2,213
2,170
2,127
2,106
2,085
2,064
2,043
2,023
1,958
1,893
1,828
1,764
1,699
1,670
1,640
1,611
1,582
1,553
1,596
1,639
1,682
1,725
1,769
1,848
1,928
Plan C - $2,500,000 CoverageBasic Coverage - Hospital Services
Optional OutpatientServices
Age9
Area 2 - Worldwideexcluding USA
Area 3 - Asia5 On top of BasicCoverage premiumArea 1 - Worldwide
Deductible OptionNil $5,000 $8,000 Nil $5,000 $8,000 Nil $5,000 $8,000 Area 1 Area 2 Area 35
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
4,166
4,252
4,339
4,483
4,627
4,771
4,915
5,059
5,262
5,465
5,669
5,872
6,075
6,422
6,769
7,116
7,463
7,810
8,284
8,758
9,232
9,706
10,179
10,930
11,681
12,432
13,183
13,934
15,022
16,110
17,198
18,286
19,374
2,499
2,551
2,603
2,690
2,776
2,863
2,949
3,036
3,157
3,279
3,401
3,523
3,645
3,853
4,061
4,270
4,478
4,686
4,970
5,255
5,539
5,823
6,108
6,558
7,009
7,459
7,910
8,360
9,013
9,666
10,319
10,972
11,624
2,083
2,126
2,170
2,242
2,314
2,386
2,458
2,530
2,631
2,733
2,834
2,936
3,037
3,211
3,384
3,558
3,732
3,905
4,142
4,379
4,616
4,853
5,090
5,465
5,841
6,216
6,592
6,967
7,511
8,055
8,599
9,143
9,687
2,777
2,835
2,893
2,989
3,085
3,181
3,277
3,373
3,508
3,644
3,779
3,914
4,050
4,281
4,513
4,744
4,975
5,207
5,523
5,839
6,155
6,470
6,786
7,287
7,788
8,288
8,789
9,289
10,015
10,740
11,465
12,191
12,916
1,666
1,701
1,736
1,793
1,851
1,908
1,966
2,024
2,105
2,186
2,267
2,349
2,430
2,569
2,708
2,846
2,985
3,124
3,314
3,503
3,693
3,882
4,072
4,372
4,673
4,973
5,273
5,574
6,009
6,444
6,879
7,314
7,750
1,389
1,417
1,446
1,494
1,542
1,590
1,638
1,686
1,754
1,822
1,890
1,957
2,025
2,141
2,256
2,372
2,488
2,603
2,761
2,919
3,077
3,235
3,393
3,643
3,894
4,144
4,394
4,645
5,007
5,370
5,733
6,095
6,458
2,083
2,126
2,170
2,242
2,314
2,386
2,458
2,530
2,631
2,733
2,834
2,936
3,037
3,211
3,384
3,558
3,732
3,905
4,142
4,379
4,616
4,853
5,090
5,465
5,841
6,216
6,592
6,967
7,511
8,055
8,599
9,143
9,687
1,250
1,276
1,302
1,345
1,388
1,431
1,475
1,518
1,579
1,640
1,701
1,761
1,822
1,927
2,031
2,135
2,239
2,343
2,485
2,627
2,770
2,912
3,054
3,279
3,504
3,730
3,955
4,180
4,507
4,833
5,159
5,486
5,812
1,041
1,063
1,085
1,121
1,157
1,193
1,229
1,265
1,316
1,366
1,417
1,468
1,519
1,605
1,692
1,779
1,866
1,953
2,071
2,189
2,308
2,426
2,545
2,733
2,920
3,108
3,296
3,484
3,755
4,027
4,299
4,571
4,843
3,542
3,683
3,823
4,014
4,206
4,397
4,588
4,779
5,018
5,257
5,496
5,735
5,974
6,238
6,502
6,766
7,030
7,294
7,659
8,024
8,388
8,753
9,118
9,574
10,029
10,485
10,941
11,397
11,967
12,537
13,107
13,676
14,246
2,362
2,455
2,549
2,676
2,804
2,931
3,059
3,186
3,345
3,505
3,664
3,823
3,983
4,159
4,335
4,511
4,687
4,863
5,106
5,349
5,592
5,835
6,078
6,382
6,686
6,990
7,294
7,598
7,978
8,358
8,738
9,118
9,498
2,007
2,087
2,167
2,275
2,383
2,492
2,600
2,708
2,844
2,979
3,114
3,250
3,385
3,535
3,684
3,834
3,984
4,133
4,340
4,547
4,753
4,960
5,167
5,425
5,683
5,942
6,200
6,458
6,781
7,104
7,427
7,750
8,073
Annual Premiums including Premium Levy (US$)
Optional OutpatientServices
Area 2 - Worldwideexcluding USA
On top of BasicCoverage premiumArea 1 - Worldwide
Deductible Option$5,000 $8,000 $5,000 $8,000 $5,000 $8,000 Area 1 Area 2
Plan C - $2,500,000 CoverageBasic Coverage - Hospital Services
Age9Area 3 - Asia5
Area 35Nil Nil Nil
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
20,248
21,122
21,996
22,869
23,743
24,693
25,681
26,708
27,776
28,887
30,043
31,245
32,494
33,794
35,146
36,552
38,014
39,534
41,116
42,760
44,471
46,250
48,100
50,024
52,025
54,106
56,270
58,521
60,862
63,296
65,828
68,461
71,199
74,047
12,149
12,673
13,197
13,722
14,246
14,816
15,409
16,025
16,666
17,332
18,026
18,747
19,497
20,277
21,088
21,931
22,808
23,721
24,670
25,656
26,683
27,750
28,860
30,014
31,215
32,463
33,762
35,112
36,517
37,978
39,497
41,077
42,720
44,428
10,124
10,561
10,998
11,435
11,872
12,347
12,840
13,354
13,888
14,444
15,021
15,622
16,247
16,897
17,573
18,276
19,007
19,767
20,558
21,380
22,235
23,125
24,050
25,012
26,012
27,053
28,135
29,260
30,431
31,648
32,914
34,230
35,600
37,024
13,499
14,081
14,664
15,246
15,829
16,462
17,121
17,805
18,518
19,258
20,029
20,830
21,663
22,529
23,431
24,368
25,343
26,356
27,411
28,507
29,647
30,833
32,066
33,349
34,683
36,070
37,513
39,014
40,574
42,197
43,885
45,641
47,466
49,365
8,099
8,449
8,798
9,148
9,497
9,877
10,272
10,683
11,111
11,555
12,017
12,498
12,998
13,518
14,058
14,621
15,206
15,814
16,446
17,104
17,788
18,500
19,240
20,009
20,810
21,642
22,508
23,408
24,345
25,318
26,331
27,384
28,480
29,619
6,749
7,041
7,332
7,623
7,914
8,231
8,560
8,903
9,259
9,629
10,014
10,415
10,831
11,265
11,715
12,184
12,671
13,178
13,705
14,253
14,824
15,417
16,033
16,675
17,342
18,035
18,757
19,507
20,287
21,099
21,943
22,820
23,733
24,682
10,124
10,561
10,998
11,435
11,872
12,347
12,840
13,354
13,888
14,444
15,021
15,622
16,247
16,897
17,573
18,276
19,007
19,767
20,558
21,380
22,235
23,125
24,050
25,012
26,012
27,053
28,135
29,260
30,431
31,648
32,914
34,230
35,600
37,024
6,074
6,337
6,599
6,861
7,123
7,408
7,704
8,012
8,333
8,666
9,013
9,373
9,748
10,138
10,544
10,966
11,404
11,860
12,335
12,828
13,341
13,875
14,430
15,007
15,607
16,232
16,881
17,556
18,258
18,989
19,748
20,538
21,360
22,214
5,062
5,280
5,499
5,717
5,936
6,173
6,420
6,677
6,944
7,222
7,511
7,811
8,124
8,449
8,787
9,138
9,503
9,884
10,279
10,690
11,118
11,562
12,025
12,506
13,006
13,526
14,067
14,630
15,215
15,824
16,457
17,115
17,800
18,512
15,301
16,355
17,409
18,463
19,517
20,298
21,110
21,954
22,833
23,746
24,696
25,684
26,711
27,779
28,891
30,046
31,248
32,498
33,798
35,150
36,556
38,018
39,539
41,120
42,765
44,476
46,255
48,105
50,029
52,030
54,111
56,276
58,527
60,868
10,200
10,903
11,606
12,309
13,012
13,532
14,073
14,636
15,222
15,831
16,464
17,122
17,807
18,520
19,260
20,031
20,832
21,665
22,532
23,433
24,371
25,345
26,359
27,414
28,510
29,650
30,836
32,070
33,353
34,687
36,074
37,517
39,018
40,579
8,670
9,268
9,865
10,462
11,060
11,502
11,962
12,441
12,938
13,456
13,994
14,554
15,136
15,742
16,371
17,026
17,707
18,416
19,152
19,918
20,715
21,544
22,405
23,301
24,234
25,203
26,211
27,259
28,350
29,484
30,663
31,890
33,165
34,492
Annual Premiums including Premium Levy (US$)
Optional OutpatientServices
Area 2 - Worldwideexcluding USA
On top of BasicCoverage premiumArea 1 - Worldwide
Deductible Option$5,000 $8,000 $5,000 $8,000 $5,000 $8,000 Area 1 Area 2 Area 35
Plan C - $2,500,000 CoverageBasic Coverage - Hospital Services
Age9Area 3 - Asia5
Nil Nil Nil
Annual Premiums including Premium Levy (US$)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
8,307
8,307
8,307
8,307
8,307
7,817
7,728
7,638
7,549
7,459
7,370
7,347
7,324
7,300
7,277
7,254
7,154
7,053
6,953
6,853
6,752
6,844
6,935
7,026
7,118
7,209
7,368
7,527
7,685
7,844
8,002
8,251
8,500
8,749
6,788
6,788
6,788
6,788
6,788
6,343
6,259
6,175
6,091
6,007
5,924
5,895
5,866
5,838
5,809
5,780
5,674
5,568
5,462
5,356
5,250
5,285
5,319
5,353
5,387
5,422
5,547
5,673
5,799
5,924
6,050
6,255
6,461
6,667
6,408
6,408
6,408
6,408
6,408
5,974
5,892
5,809
5,727
5,644
5,562
5,532
5,502
5,472
5,442
5,412
5,304
5,197
5,090
4,982
4,875
4,895
4,915
4,935
4,955
4,975
5,092
5,210
5,327
5,444
5,562
5,756
5,951
6,146
5,538
5,538
5,538
5,538
5,538
5,211
5,152
5,092
5,032
4,973
4,913
4,898
4,882
4,867
4,852
4,836
4,769
4,702
4,635
4,568
4,501
4,562
4,623
4,684
4,745
4,806
4,912
5,018
5,123
5,229
5,335
5,501
5,667
5,833
4,525
4,525
4,525
4,525
4,525
4,229
4,173
4,117
4,061
4,005
3,949
3,930
3,911
3,892
3,873
3,853
3,783
3,712
3,642
3,571
3,500
3,523
3,546
3,569
3,592
3,614
3,698
3,782
3,866
3,950
4,033
4,170
4,307
4,444
4,272
4,272
4,272
4,272
4,272
3,983
3,928
3,873
3,818
3,763
3,708
3,688
3,668
3,648
3,628
3,608
3,536
3,465
3,393
3,322
3,250
3,263
3,277
3,290
3,303
3,316
3,395
3,473
3,551
3,630
3,708
3,838
3,967
4,097
4,454
4,454
4,454
4,454
4,454
4,184
4,134
4,084
4,035
3,985
3,935
3,921
3,907
3,893
3,879
3,865
3,807
3,749
3,692
3,634
3,576
3,618
3,660
3,703
3,745
3,787
3,872
3,956
4,041
4,125
4,209
4,343
4,477
4,611
3,695
3,695
3,695
3,695
3,695
3,447
3,400
3,353
3,306
3,259
3,212
3,195
3,178
3,162
3,145
3,128
3,067
3,007
2,946
2,886
2,825
2,839
2,852
2,866
2,880
2,894
2,961
3,029
3,097
3,165
3,233
3,345
3,457
3,569
3,505
3,505
3,505
3,505
3,505
3,263
3,216
3,170
3,124
3,078
3,031
3,014
2,996
2,979
2,961
2,944
2,883
2,821
2,760
2,699
2,637
2,644
2,650
2,657
2,664
2,670
2,734
2,798
2,861
2,925
2,989
3,096
3,202
3,309
Deductible Option$5,000 $8,000 $5,000 $8,000 $5,000 $8,000
Area 2 - Worldwideexcluding USAArea 1 - Worldwide
Plan D6 - $5,000,000 CoverageBasic Coverage - Hospital Services
Age9
Nil Nil Nil
Area 3 - Asia5
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
8,998
9,247
9,618
9,990
10,361
10,732
11,103
11,596
12,089
12,582
13,074
13,567
14,265
14,963
15,661
16,359
17,057
18,014
18,971
19,928
20,885
21,842
23,236
24,631
26,026
27,420
28,815
30,744
32,674
34,604
36,534
38,464
40,610
42,757
6,872
7,078
7,377
7,676
7,975
8,274
8,574
8,965
9,356
9,747
10,139
10,530
11,054
11,579
12,103
12,627
13,152
13,872
14,592
15,312
16,032
16,752
17,771
18,790
19,809
20,828
21,848
23,233
24,619
26,005
27,391
28,777
30,486
32,196
6,341
6,535
6,816
7,098
7,379
7,660
7,941
8,307
8,673
9,039
9,405
9,771
10,252
10,733
11,214
11,695
12,176
12,836
13,497
14,158
14,819
15,480
16,405
17,330
18,255
19,181
20,106
21,356
22,605
23,855
25,105
26,355
27,955
29,556
5,999
6,165
6,412
6,660
6,907
7,155
7,402
7,731
8,059
8,388
8,716
9,045
9,510
9,975
10,441
10,906
11,371
12,009
12,647
13,285
13,923
14,561
15,491
16,421
17,350
18,280
19,210
20,496
21,783
23,069
24,356
25,642
27,074
28,505
4,581
4,718
4,918
5,117
5,317
5,516
5,716
5,977
6,237
6,498
6,759
7,020
7,370
7,719
8,069
8,418
8,768
9,248
9,728
10,208
10,688
11,168
11,848
12,527
13,206
13,886
14,565
15,489
16,413
17,337
18,261
19,184
20,324
21,464
4,227
4,357
4,544
4,732
4,919
5,107
5,294
5,538
5,782
6,026
6,270
6,514
6,834
7,155
7,476
7,796
8,117
8,558
8,998
9,439
9,879
10,320
10,937
11,553
12,170
12,787
13,404
14,237
15,070
15,904
16,737
17,570
18,637
19,704
4,745
4,878
5,077
5,275
5,474
5,672
5,870
6,133
6,395
6,657
6,920
7,182
7,548
7,915
8,282
8,648
9,015
9,518
10,020
10,523
11,026
11,529
12,256
12,984
13,712
14,439
15,167
16,170
17,173
18,176
19,179
20,182
21,325
22,469
3,682
3,794
3,956
4,118
4,281
4,443
4,605
4,817
5,029
5,240
5,452
5,663
5,943
6,223
6,503
6,782
7,062
7,447
7,831
8,215
8,600
8,984
9,524
10,064
10,604
11,144
11,684
12,414
13,145
13,876
14,607
15,338
16,263
17,188
3,416
3,522
3,676
3,829
3,983
4,136
4,289
4,488
4,687
4,886
5,085
5,284
5,542
5,800
6,058
6,316
6,574
6,929
7,284
7,638
7,993
8,348
8,841
9,334
9,827
10,320
10,813
11,476
12,139
12,801
13,464
14,127
14,998
15,868
Annual Premiums including Premium Levy (US$)
Plan D6 - $5,000,000 CoverageBasic Coverage - Hospital Services
Age9
Deductible Option$5,000 $8,000 $5,000 $8,000 $5,000 $8,000
Area 2 - Worldwideexcluding USA
Area 3 - Asia5Area 1 - Worldwide
Nil Nil Nil
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
44,903
47,050
49,197
51,165
53,211
55,340
57,553
59,855
62,249
64,739
67,329
70,022
72,823
75,736
78,765
81,916
85,193
88,600
92,144
95,830
99,663
103,650
107,796
112,108
116,592
121,256
126,106
131,150
136,396
141,852
147,526
153,427
33,906
35,615
37,325
38,818
40,371
41,986
43,665
45,412
47,228
49,117
51,082
53,125
55,250
57,460
59,758
62,149
64,635
67,220
69,909
72,705
75,614
78,638
81,784
85,055
88,457
91,995
95,675
99,502
103,482
107,622
111,926
116,404
31,156
32,757
34,357
35,731
37,161
38,647
40,193
41,801
43,473
45,212
47,020
48,901
50,857
52,891
55,007
57,207
59,495
61,875
64,350
66,924
69,601
72,385
75,280
78,292
81,423
84,680
88,068
91,590
95,254
99,064
103,027
107,148
29,936
31,367
32,798
34,110
35,474
36,893
38,369
39,903
41,500
43,160
44,886
46,681
48,549
50,491
52,510
54,611
56,795
59,067
61,430
63,887
66,442
69,100
71,864
74,738
77,728
80,837
84,071
87,433
90,931
94,568
98,351
102,285
22,604
23,744
24,883
25,879
26,914
27,990
29,110
30,274
31,485
32,745
34,055
35,417
36,833
38,307
39,839
41,433
43,090
44,813
46,606
48,470
50,409
52,425
54,522
56,703
58,971
61,330
63,783
66,335
68,988
71,748
74,618
77,602
20,771
21,838
22,905
23,821
24,774
25,765
26,795
27,867
28,982
30,141
31,347
32,601
33,905
35,261
36,671
38,138
39,664
41,250
42,900
44,616
46,401
48,257
50,187
52,194
54,282
56,454
58,712
61,060
63,503
66,043
68,684
71,432
23,612
24,756
25,899
26,935
28,013
29,133
30,299
31,511
32,771
34,082
35,445
36,863
38,338
39,871
41,466
43,125
44,850
46,644
48,509
50,450
52,468
54,566
56,749
59,019
61,380
63,835
66,388
69,044
71,806
74,678
77,665
80,771
18,113
19,039
19,964
20,762
21,593
22,456
23,355
24,289
25,260
26,271
27,322
28,414
29,551
30,733
31,962
33,241
34,571
35,953
37,392
38,887
40,443
42,060
43,743
45,493
47,312
49,205
51,173
53,220
55,349
57,563
59,865
62,260
16,739
17,609
18,480
19,219
19,988
20,787
21,619
22,483
23,383
24,318
25,291
26,302
27,354
28,449
29,587
30,770
32,001
33,281
34,612
35,997
37,436
38,934
40,491
42,111
43,795
45,547
47,369
49,264
51,234
53,284
55,415
57,632
Annual Premiums including Premium Levy (US$)
Deductible Option$5,000 $8,000 $5,000 $8,000 $5,000 $8,000
Area 2 - Worldwideexcluding USAArea 1 - Worldwide
Plan D6 - $5,000,000 CoverageBasic Coverage - Hospital Services
Age9Area 3 - Asia5
Nil Nil Nil
Remarks• Area of Coverage: Area 1: Worldwide Area 2: Worldwide excluding USA 5 Area 3: Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam only
• For plans with Asia as area of coverage restricted to semi-private room when admitted to a Hospital in Hong Kong or Macau, benefits may be reduced by at least fifty percent (50%) if the Insured Member elects to stay in a standard private room
• Currency: The base currency for this policy is US$. Exchange rate of 1 US$ to HK$ is 7.8
• The premium tables with levy are subject to revision by Liberty Insurance from time to time
• Please refer to Renewal Invitation for renewal premium
• 5% discount will be offered if there are 3 or more family members insured together
• To be eligible for cover and continued coverage under the policy, an Insured Member must be age 15 after date of birth or discharge from hospital where birth took place (whichever is later) to age sixty-nine (69) (inclusive) on the date of first application for coverage under the policy
Annual Premiums including Premium Levy (US$)
For Plan A and B
For Plan C and D
Optional Dental Care
For Plan C and D
Optional Maternity Care
US$641
US$705
US$2,564
The following treatments, conditions, activities, items and their related expenses are excluded from the plan and the insurer shall not be liable for the itemslisted below:• Pre-existing conditions (refer to the General Provisions and 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, cordyceps 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 aromatherapy and 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.
Major Exclusions
This page is left blank intentionally.
APR 2020
Underwritten by Liberty International Insurance Limited 13/F, Berkshire House, 25 Westlands Road, Quarry Bay, Hong Kong
(852) 2892 3882 | www.libertyinsurance.com.hk |
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.
高端醫療保障計劃
proMedico
為您設計的醫療保障計劃proMedico 為高品質定位的醫療保障計劃,按我們客戶需要作獨特設計。當您不幸遇上疾病來襲時,我們的醫療保險計劃給您全面的健康保障,使您安心無憂。 proMedico 提供四款不同的保障額計劃,每個計劃
亦可按您所需選擇最適切保障地域,為您提供最切合您所需的卓越保障計劃。
保障特點
四款不同的保障額計劃均提供廣泛的保障範圍
延伸計劃保障 - 二十四小時國際緊急服務2及大中華
支援計劃
三個保障地域選擇包括全球、全
球(美國除外)及亞洲1
住院免繳費服務,直接為您支付住院帳單3
保證終身續保,以計劃整體作保障項目及保費
調整4
1 若受保人在美國停留超過185天並在此期間發生並申請醫療索賠,根據本保險單約束,在美國發生的所有應付保險索賠將至少減少40%。有關的賠償金額必須跟據保單條款及細則釐定,有關索賠費用均不得超過福利表中所列的上限。保障地域選項
:亞洲-請參閱保單涵蓋地區範圍部分中「亞洲」的涵蓋地區定義。
2 不適用於70歲或以上受保人。
3 受保人需跟據指定程序以享用住院免繳費服務。服務要求及安排詳情請參閱保單及公司網頁。受保人需要補償利寶其墊底費(如有揀選墊底費計劃)以及任何差額,包括不符合索賠條件的醫療費用。
4 一旦成功投保,不論您的健康狀況或索償紀錄,我們保證您的保單可續保至100歲。此計劃保證每年續保,產品之整體保障內容及保費或會被修訂。續保時需因應當時情況作調整,如保費付款方式、產品供應狀況及已投保計劃內的選項。詳情請向
您的保險顧問查詢或參閱保單條款。
Remarks• Area of Coverage: Area 1: Worldwide Area 2: Worldwide excluding USA 5 Area 3: Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam only
• For plans with Asia as area of coverage restricted to semi-private room when admitted to a Hospital in Hong Kong or Macau, benefits may be reduced by at least fifty percent (50%) if the Insured Member elects to stay in a standard private room
• Currency: The base currency for this policy is US$. Exchange rate of 1 US$ to HK$ is 7.8
• The premium tables with levy are subject to revision by Liberty Insurance from time to time
• Please refer to Renewal Invitation for renewal premium
• 5% discount will be offered if there are 3 or more family members insured together
• To be eligible for cover and continued coverage under the policy, an Insured Member must be age 15 after date of birth or discharge from hospital where birth took place (whichever is later) to age sixty-nine (69) (inclusive) on the date of first application for coverage under the policy
本地出院交通費用只限出院當天住院7天或以上的單程費用
全數賠償 全數賠償 全數賠償 全數賠償
本地救護車服務 全數賠償 全數賠償 全數賠償 全數賠償
腎透析治療每保單年度計
10,000美元 20,000美元 全數賠償 全數賠償
腫瘤治療 全數賠償 全數賠償 全數賠償 全數賠償
日間手術每保單年度計
6,000美元 全數賠償 全數賠償 全數賠償
器官移植每保單年度計不包括捐助方的費用
75,000 美元 100,000 美元 全數賠償 全數賠償
陪床費父母照顧20歲以下子女之陪床費
全數賠償 全數賠償 全數賠償 全數賠償
深切治療 每日750美元 每日1,100美元 全數賠償 全數賠償
住宿及膳食費 每日200美元 每日500美元 全數賠償涵蓋至標準
私人病房費用
全數賠償涵蓋至標準
私人病房費用
HK$2,700 HK$1,760 HK$1,150 HK$730醫院費用 全數賠償 全數賠償 全數賠償 全數賠償
涵蓋地區以外 僅限緊急治療
涵蓋地區 地區1 - 全球地區2 - 全球(美國除外)地區3 - 亞洲5
保單涵蓋地區範圍
5 計劃A及B - 於香港及澳門發生的個案僅限半私家房級別
保障福利表
計劃A 計劃B 計劃C 計劃D6住院福利
每年墊底費選擇
年度總限額
無墊底費 無墊底費無墊底費/
5,000美元/8,000美元
無墊底費/5,000美元/8,000美元
180,000美元 380,000美元 2,500,000美元 5,000,000美元
妊娠併發症每保單年度計
不適用 不適用 全數賠償 全數賠償
住院現金每保單年度最多120日住院現金適用於以下情況:a) 政府醫院普通病房的住院(限於香港及澳門)
b) 門診內窺鏡檢查程序;及
c) 共付賠償協調
每日100美元 每日100美元 每日150美元 每日250美元
計劃A 計劃B 計劃C 計劃D6
手術植入儀器7
每保單年度計
指定項目:a) 心臟起搏器
b) 人工心臟瓣膜
c) 金屬或人工關節,用於人工膝關節置換術
d) 用於在骨頭之間進行置換或植入的人工韌 帶;及
e) 人工椎間盤
非指定項目
不適用 2,500美元指定及非指
定項目共享限額
全數賠償 全數賠償
緊急牙齒護理每保單年度計
10,000美元 20,000美元 全數賠償 全數賠償
家中護士服務出院後30天內開始使用服務;每保單年度最多182日
不適用 每日100美元 全數賠償 全數賠償
急症病房治療 全數賠償 全數賠償 全數賠償 全數賠償
先進診斷掃描 全數賠償 全數賠償 全數賠償 全數賠償
住院前後之門診治療入院前30天及出院後90天內與該次住院有關之門診開支
全數賠償 全數賠償 全數賠償 全數賠償
保障福利表
住院福利
精神科治療每保單年度計
不適用 2,000美元 7,500美元 7,500美元
5,000美元 5,000美元不適用 不適用
提升保障項目最高賠償額若受保人為全日制學生,於校內發生意外並屬於住院福利緊急牙齒護理項目之中
增加一倍 增加一倍 增加一倍 增加一倍
恩恤金每受保成員的最高限額
2,000美元 2,000美元 5,000美元 5,000美元
先天性疾病 不適用 不適用 25,000美元終身保障額
50,000美元終身保障額
人類免疫力缺乏病毒/愛滋病治療由保障開始日起首3年內,因感染人體免疫力缺乏病毒所引致的治療或可能接觸到病毒,以發生時間後者為準
不適用 不適用 75,000美元終身保障額
150,000美元終身保障額
臨終關懷/安寧照護保障提供一旦確診為末期疾病時,在註冊的臨終安老院的護理服務
不適用 不適用 50,000美元終身保障額
50,000美元終身保障額
私家看護服務每保單年度最多45日
不適用 不適用 全數賠償 全數賠償
康復保障每保單年度計出院後90 天內在康復中心報銷費用
不適用 不適用 20,000美元 40,000美元
保障福利表
6 需同時投保門診治療7 經皮冠狀動脈介入治療的支架及白內障手術的人工晶狀體的器械的費用將在醫院費用項目中償付
提升年度總限額住院福利保障下,如受保人被確診以下其中一項疾病,及非既存疾病或先天性疾病:細菌性腦膜炎、川崎病和癌症
增加百分之五十
增加百分之五十
增加百分之五十
增加百分之五十
延伸計劃保障
18歲以下受保人額外醫療保障
計劃A 計劃B 計劃C 計劃D6住院福利
計劃A 計劃B 計劃C 計劃D6
激素治療8
每保單年度計1,000美元 2,000美元 2,000美元
處方藥物8 全數賠償 全數賠償 全數賠償
化驗及X光費8 全數賠償 全數賠償 全數賠償
物理治療及脊骨治8
每保單年度計1,500美元 2,500美元 3,000美元
中醫、跌打、針灸每保單年度計
500美元 800美元 1,000美元
專科醫生服務 全數賠償 全數賠償 全數賠償
普通科醫生服務 全數賠償 全數賠償 全數賠償
包括:緊急醫療撤離、緊急醫療運送、遺體運送服務、家屬探望及將小童送回原居地不適用於70歲或以上受保人
全數賠償 全數賠償 全數賠償 全數賠償
預防疫苗每保單年度計
150美元 150美元 150美元 150美元
海外遊學團每保單年度計受保人參加由學校安排的海外遊學團引致門診治療項目下的相關治療費用
500美元 500美元 1,000美元 2,000美元
國際緊急服務
附加保障(美元)
選項1(只適用於計劃A或B住院福
利投保人)
選項2(只適用於計
劃A或B住院福利投保人)
只適用於計劃C或D6
住院福利投保人
門診治療
年度總限額 5,000美元 1,000美元 以住院福利年度總限額為上限
延伸計劃保障
18歲以下受保人額外醫療保障
計劃A 計劃B 計劃C 計劃D6
牙科治療(6個月等待期)a) 口腔X光
b) 牙齒阻生
c) 緊急牙科治療以減輕牙痛(緩和)
d) 補牙
e) 藥物
f) 牙髓治療
g) 脫牙(包括智慧齒)
h) 牙周病治療
全數賠償 全數賠償
保健及視光組合每保單年度計年度體檢疫苗接種聽力測試視力檢查診斷和視力輔助工具
500美元 750美元 750美元
醫療器材 全數賠償 全數賠償 全數賠償
助聽器每保單年度計
750美元 750美元 750美元
8 必須由普通科醫生/專科醫生轉介
只適用於計劃A或B住院福利投保人
只適用於計劃C 或D6住院福利投保人牙齒護理保障(必須與門診福利同時投保)
年度總限額 1,200美元 2,000美元
例行牙科檢查及洗牙每保單年度兩次
全數賠償 全數賠償
附加保障(美元)
選項1(只適用於計劃A或B住院福
利投保人)
選項2(只適用於計
劃A或B住院福利投保人)
只適用於計劃C或D6
住院福利投保人
門診治療
附加保障(美元)
重大牙齒修復(等待期12個月)a) 假牙,牙冠和牙橋
b) 嵌體
c) 植入物(手術植入物/植入物基台)
索償額的80% 全數賠償
齒顎矯正(等待期12個月)18歲以下的受養子女
索償額的50% 索償額的50%
首年總限額 不適用
次年總限額 5,000美元
第三年及其後每年總限額 10,000美元
分娩保障(只適用於計劃C或D6住院福利投保人)
以上年度計算均以分娩保障生效日期起計
只適用於計劃A或B住院福利投保人
只適用於計劃C或D6 住院福利投保人牙齒護理保障 (必須與門診福利同時投保)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
基本保障 - 住院福利 基本保障保費外另付
年齡9 計劃B - $380,000美元保障額
附加門診保障 - $5,000美元限額
附加門診保障 - $10,000美元限額
計劃A - $180,000美元保障額
地區1 地區2 地區35
1,367
1,367
1,367
1,367
1,367
1,327
1,322
1,317
1,312
1,307
1,302
1,307
1,312
1,317
1,322
1,327
1,332
1,337
1,342
1,346
1,351
1,403
1,454
1,506
1,557
1,609
1,639
1,668
1,698
1,728
1,757
1,796
1,835
911
911
911
911
911
884
881
878
874
871
868
871
874
878
881
884
888
891
894
898
901
935
970
1,004
1,038
1,073
1,092
1,112
1,132
1,152
1,172
1,198
1,224
683
683
683
683
683
663
661
658
656
653
651
653
656
658
661
663
666
668
671
673
676
701
727
753
779
804
819
834
849
864
879
898
918
地區1 地區2 地區35
1,822
1,822
1,822
1,822
1,822
1,769
1,762
1,756
1,749
1,742
1,736
1,742
1,749
1,756
1,762
1,769
1,775
1,782
1,789
1,795
1,802
1,871
1,939
2,008
2,077
2,145
2,185
2,224
2,264
2,304
2,343
2,395
2,447
1,215
1,215
1,215
1,215
1,215
1,179
1,175
1,170
1,166
1,162
1,157
1,162
1,166
1,170
1,175
1,179
1,184
1,188
1,192
1,197
1,201
1,247
1,293
1,339
1,384
1,430
1,457
1,483
1,509
1,536
1,562
1,597
1,631
911
911
911
911
911
884
881
878
874
871
868
871
874
878
881
884
888
891
894
898
901
935
970
1,004
1,038
1,073
1,092
1,112
1,132
1,152
1,172
1,198
1,224
地區1 地區2 地區35
2,255
2,255
2,255
2,255
2,255
2,066
2,028
1,990
1,953
1,915
1,877
1,859
1,840
1,822
1,803
1,785
1,727
1,670
1,613
1,556
1,499
1,473
1,447
1,422
1,396
1,370
1,408
1,446
1,484
1,522
1,561
1,607
1,654
1,503
1,503
1,503
1,503
1,503
1,377
1,352
1,327
1,302
1,277
1,251
1,239
1,227
1,214
1,202
1,190
1,152
1,114
1,075
1,037
999
982
965
948
931
913
939
964
990
1,015
1,040
1,072
1,103
1,278
1,278
1,278
1,278
1,278
1,171
1,149
1,128
1,106
1,085
1,064
1,053
1,043
1,032
1,022
1,011
979
947
914
882
849
835
820
806
791
776
798
820
841
863
884
911
937
地區1 地區2 地區35
3,382
3,382
3,382
3,382
3,382
3,099
3,042
2,986
2,929
2,872
2,815
2,788
2,760
2,732
2,705
2,677
2,591
2,506
2,420
2,334
2,249
2,210
2,171
2,132
2,094
2,055
2,112
2,169
2,227
2,284
2,341
2,411
2,481
2,255
2,255
2,255
2,255
2,255
2,066
2,028
1,990
1,953
1,915
1,877
1,859
1,840
1,822
1,803
1,785
1,727
1,670
1,613
1,556
1,499
1,473
1,447
1,422
1,396
1,370
1,408
1,446
1,484
1,522
1,561
1,607
1,654
1,917
1,917
1,917
1,917
1,917
1,756
1,724
1,692
1,660
1,628
1,595
1,580
1,564
1,548
1,533
1,517
1,468
1,420
1,371
1,323
1,274
1,252
1,230
1,208
1,186
1,165
1,197
1,229
1,262
1,294
1,326
1,366
1,406
33 1,874 1,250 937 2,499 1,666 1,250 1,701 1,134 964 2,551 1,701 1,446
保費及保費徵費表(美元)
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
1,914
1,953
2,017
2,082
2,147
2,212
2,277
2,368
2,459
2,551
2,642
2,734
2,890
3,046
3,202
3,358
3,515
3,728
3,941
4,154
4,368
4,581
4,919
5,257
5,594
5,932
6,270
6,760
7,249
7,739
8,229
8,718
1,276
1,302
1,345
1,388
1,431
1,475
1,518
1,579
1,640
1,701
1,761
1,822
1,927
2,031
2,135
2,239
2,343
2,485
2,627
2,770
2,912
3,054
3,279
3,504
3,730
3,955
4,180
4,507
4,833
5,159
5,486
5,812
957
976
1,009
1,041
1,074
1,106
1,138
1,184
1,230
1,275
1,321
1,367
1,445
1,523
1,601
1,679
1,757
1,864
1,971
2,077
2,184
2,290
2,459
2,628
2,797
2,966
3,135
3,380
3,625
3,870
4,114
4,359
2,551
2,603
2,690
2,776
2,863
2,949
3,036
3,157
3,279
3,401
3,523
3,645
3,853
4,061
4,270
4,478
4,686
4,970
5,255
5,539
5,823
6,108
6,558
7,009
7,459
7,910
8,360
9,013
9,666
10,319
10,972
11,624
1,701
1,736
1,793
1,851
1,908
1,966
2,024
2,105
2,186
2,267
2,349
2,430
2,569
2,708
2,846
2,985
3,124
3,314
3,503
3,693
3,882
4,072
4,372
4,673
4,973
5,273
5,574
6,009
6,444
6,879
7,314
7,750
1,276
1,302
1,345
1,388
1,431
1,475
1,518
1,579
1,640
1,701
1,761
1,822
1,927
2,031
2,135
2,239
2,343
2,485
2,627
2,770
2,912
3,054
3,279
3,504
3,730
3,955
4,180
4,507
4,833
5,159
5,486
5,812
1,748
1,795
1,848
1,902
1,956
2,010
2,064
2,126
2,188
2,250
2,311
2,373
2,445
2,516
2,587
2,658
2,729
2,811
2,893
2,975
3,057
3,139
3,233
3,327
3,421
3,515
3,610
3,718
3,826
3,934
4,043
4,151
1,165
1,196
1,232
1,268
1,304
1,340
1,376
1,417
1,458
1,500
1,541
1,582
1,630
1,677
1,725
1,772
1,820
1,874
1,929
1,983
2,038
2,093
2,155
2,218
2,281
2,344
2,406
2,479
2,551
2,623
2,695
2,767
990
1,017
1,047
1,078
1,108
1,139
1,169
1,205
1,240
1,275
1,310
1,345
1,385
1,426
1,466
1,506
1,547
1,593
1,639
1,686
1,732
1,779
1,832
1,885
1,939
1,992
2,045
2,107
2,168
2,230
2,291
2,352
2,622
2,692
2,773
2,853
2,934
3,015
3,096
3,189
3,281
3,374
3,467
3,560
3,667
3,774
3,880
3,987
4,094
4,217
4,340
4,463
4,585
4,708
4,849
4,991
5,132
5,273
5,414
5,577
5,739
5,902
6,064
6,227
1,748
1,795
1,848
1,902
1,956
2,010
2,064
2,126
2,188
2,250
2,311
2,373
2,445
2,516
2,587
2,658
2,729
2,811
2,893
2,975
3,057
3,139
3,233
3,327
3,421
3,515
3,610
3,718
3,826
3,934
4,043
4,151
1,486
1,525
1,571
1,617
1,663
1,708
1,754
1,807
1,859
1,912
1,965
2,017
2,078
2,138
2,199
2,259
2,320
2,390
2,459
2,529
2,598
2,668
2,748
2,828
2,908
2,988
3,068
3,160
3,252
3,344
3,436
3,528
基本保障保費外另付
年齡9
66 9,112 6,074 4,556 12,149 8,099 6,074 4,276 2,850 2,423 6,413 4,276 3,634
基本保障 - 住院福利
計劃B - $380,000美元保障額
附加門診保障 - $5,000美元限額
附加門診保障 - $10,000美元限額
地區1 地區2 地區1 地區2 地區1 地區2 地區1 地區2地區35 地區35 地區35 地區35
計劃A - $180,000美元保障額
保費及保費徵費表(美元)
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
9,505
9,898
10,291
10,685
11,112
11,556
12,019
12,499
12,999
13,519
14,060
14,623
15,207
15,816
16,448
17,106
17,791
18,502
19,242
20,012
20,812
21,645
22,511
23,411
24,348
25,321
26,334
27,388
28,483
29,623
30,807
32,040
33,321
6,337
6,599
6,861
7,123
7,408
7,704
8,012
8,333
8,666
9,013
9,373
9,748
10,138
10,544
10,966
11,404
11,860
12,335
12,828
13,341
13,875
14,430
15,007
15,607
16,232
16,881
17,556
18,258
18,989
19,748
20,538
21,360
22,214
4,752
4,949
5,146
5,342
5,556
5,778
6,009
6,250
6,500
6,760
7,030
7,311
7,604
7,908
8,224
8,553
8,895
9,251
9,621
10,006
10,406
10,822
11,255
11,706
12,174
12,661
13,167
13,694
14,242
14,811
15,404
16,020
16,661
12,673
13,197
13,722
14,246
14,816
15,409
16,025
16,666
17,332
18,026
18,747
19,497
20,277
21,088
21,931
22,808
23,721
24,670
25,656
26,683
27,750
28,860
30,014
31,215
32,463
33,762
35,112
36,517
37,978
39,497
41,077
42,720
44,428
8,449
8,798
9,148
9,497
9,877
10,272
10,683
11,111
11,555
12,017
12,498
12,998
13,518
14,058
14,621
15,206
15,814
16,446
17,104
17,788
18,500
19,240
20,009
20,810
21,642
22,508
23,408
24,345
25,318
26,331
27,384
28,480
29,619
6,337
6,599
6,861
7,123
7,408
7,704
8,012
8,333
8,666
9,013
9,373
9,748
10,138
10,544
10,966
11,404
11,860
12,335
12,828
13,341
13,875
14,430
15,007
15,607
16,232
16,881
17,556
18,258
18,989
19,748
20,538
21,360
22,214
4,400
4,525
4,649
4,774
4,917
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
2,933
3,016
3,099
3,182
3,278
3,376
3,478
3,582
3,689
3,800
3,914
4,031
4,152
4,277
4,405
4,537
4,674
4,814
4,958
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
2,493
2,564
2,635
2,705
2,786
2,870
2,956
3,045
3,136
3,230
3,327
3,427
3,530
3,635
3,744
3,857
3,973
4,092
4,214
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
4,250
6,600
6,787
6,974
7,161
7,375
7,597
7,824
8,059
8,301
8,550
8,807
9,071
9,343
9,623
9,912
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
4,400
4,525
4,649
4,774
4,917
5,064
5,216
5,373
5,534
5,700
5,871
6,047
6,229
6,415
6,608
6,806
7,010
7,221
7,437
7,660
7,890
8,127
8,371
8,622
8,880
9,147
9,421
9,704
9,995
10,000
10,000
10,000
10,000
3,740
3,846
3,952
4,058
4,179
4,305
4,434
4,567
4,704
4,845
4,990
5,140
5,294
5,453
5,617
5,785
5,959
6,138
6,322
6,511
6,707
6,908
7,115
7,329
7,548
7,775
8,008
8,248
8,496
8,500
8,500
8,500
8,500
9 Refer to last birthday
基本保障保費外另付
年齡9
基本保障 - 住院福利
計劃B - $380,000美元保障額
附加門診保障 - $5,000美元限額
附加門診保障 - $10,000美元限額
地區1 地區2 地區1 地區2 地區1 地區2 地區1 地區2地區35 地區35 地區35 地區35
計劃A - $180,000美元保障額
保費及保費徵費表(美元)
地區C - $2,500,000美元保障額基本保障 - 住院福利
年齡9地區2 - 全球(美國除外) 地區3 - 亞洲5 基本保障保費外另付地區1 - 全球
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
3,037
3,037
3,037
3,037
3,037
2,948
2,937
2,926
2,915
2,904
2,893
2,904
2,915
2,926
2,937
2,948
2,959
2,970
2,981
2,992
3,003
3,118
3,232
3,347
3,461
3,575
3,641
3,707
3,773
3,839
3,905
3,992
4,079
1,822
1,822
1,822
1,822
1,822
1,769
1,762
1,756
1,749
1,742
1,736
1,742
1,749
1,756
1,762
1,769
1,775
1,782
1,789
1,795
1,802
1,871
1,939
2,008
2,077
2,145
2,185
2,224
2,264
2,304
2,343
2,395
2,447
1,519
1,519
1,519
1,519
1,519
1,474
1,468
1,463
1,457
1,452
1,446
1,452
1,457
1,463
1,468
1,474
1,480
1,485
1,491
1,496
1,502
1,559
1,616
1,673
1,730
1,788
1,821
1,854
1,887
1,920
1,953
1,996
2,039
2,025
2,025
2,025
2,025
2,025
1,965
1,958
1,951
1,943
1,936
1,928
1,936
1,943
1,951
1,958
1,965
1,973
1,980
1,987
1,995
2,002
2,078
2,155
2,231
2,307
2,384
2,428
2,472
2,516
2,559
2,603
2,661
2,719
1,215
1,215
1,215
1,215
1,215
1,179
1,175
1,170
1,166
1,162
1,157
1,162
1,166
1,170
1,175
1,179
1,184
1,188
1,192
1,197
1,201
1,247
1,293
1,339
1,384
1,430
1,457
1,483
1,509
1,536
1,562
1,597
1,631
1,012
1,012
1,012
1,012
1,012
983
979
975
972
968
964
968
972
975
979
983
986
990
994
997
1,001
1,039
1,077
1,116
1,154
1,192
1,214
1,236
1,258
1,280
1,302
1,331
1,360
1,519
1,519
1,519
1,519
1,519
1,474
1,468
1,463
1,457
1,452
1,446
1,452
1,457
1,463
1,468
1,474
1,480
1,485
1,491
1,496
1,502
1,559
1,616
1,673
1,730
1,788
1,821
1,854
1,887
1,920
1,953
1,996
2,039
911
911
911
911
911
884
881
878
874
871
868
871
874
878
881
884
888
891
894
898
901
935
970
1,004
1,038
1,073
1,092
1,112
1,132
1,152
1,172
1,198
1,224
759
759
759
759
759
737
734
731
729
726
723
726
729
731
734
737
740
743
745
748
751
779
808
837
865
894
910
927
943
960
976
998
1,020
4,510
4,510
4,510
4,510
4,510
4,132
4,056
3,981
3,905
3,830
3,754
3,717
3,680
3,643
3,606
3,569
3,455
3,341
3,226
3,112
2,998
2,946
2,895
2,843
2,792
2,740
2,816
2,892
2,969
3,045
3,121
3,261
3,402
3,007
3,007
3,007
3,007
3,007
2,755
2,704
2,654
2,603
2,553
2,503
2,478
2,453
2,429
2,404
2,379
2,303
2,227
2,151
2,075
1,999
1,964
1,930
1,896
1,861
1,827
1,878
1,928
1,979
2,030
2,081
2,174
2,268
2,556
2,556
2,556
2,556
2,556
2,341
2,299
2,256
2,213
2,170
2,127
2,106
2,085
2,064
2,043
2,023
1,958
1,893
1,828
1,764
1,699
1,670
1,640
1,611
1,582
1,553
1,596
1,639
1,682
1,725
1,769
1,848
1,928
墊底費
無墊底費 $5,000 $8,000 無墊底費 $5,000 $8,000 無墊底費 $5,000 $8,000 地區1 地區2 地區35
附加門診保障
保費及保費徵費表(美元)
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
4,166
4,252
4,339
4,483
4,627
4,771
4,915
5,059
5,262
5,465
5,669
5,872
6,075
6,422
6,769
7,116
7,463
7,810
8,284
8,758
9,232
9,706
10,179
10,930
11,681
12,432
13,183
13,934
15,022
16,110
17,198
18,286
19,374
2,499
2,551
2,603
2,690
2,776
2,863
2,949
3,036
3,157
3,279
3,401
3,523
3,645
3,853
4,061
4,270
4,478
4,686
4,970
5,255
5,539
5,823
6,108
6,558
7,009
7,459
7,910
8,360
9,013
9,666
10,319
10,972
11,624
2,083
2,126
2,170
2,242
2,314
2,386
2,458
2,530
2,631
2,733
2,834
2,936
3,037
3,211
3,384
3,558
3,732
3,905
4,142
4,379
4,616
4,853
5,090
5,465
5,841
6,216
6,592
6,967
7,511
8,055
8,599
9,143
9,687
2,777
2,835
2,893
2,989
3,085
3,181
3,277
3,373
3,508
3,644
3,779
3,914
4,050
4,281
4,513
4,744
4,975
5,207
5,523
5,839
6,155
6,470
6,786
7,287
7,788
8,288
8,789
9,289
10,015
10,740
11,465
12,191
12,916
1,666
1,701
1,736
1,793
1,851
1,908
1,966
2,024
2,105
2,186
2,267
2,349
2,430
2,569
2,708
2,846
2,985
3,124
3,314
3,503
3,693
3,882
4,072
4,372
4,673
4,973
5,273
5,574
6,009
6,444
6,879
7,314
7,750
1,389
1,417
1,446
1,494
1,542
1,590
1,638
1,686
1,754
1,822
1,890
1,957
2,025
2,141
2,256
2,372
2,488
2,603
2,761
2,919
3,077
3,235
3,393
3,643
3,894
4,144
4,394
4,645
5,007
5,370
5,733
6,095
6,458
2,083
2,126
2,170
2,242
2,314
2,386
2,458
2,530
2,631
2,733
2,834
2,936
3,037
3,211
3,384
3,558
3,732
3,905
4,142
4,379
4,616
4,853
5,090
5,465
5,841
6,216
6,592
6,967
7,511
8,055
8,599
9,143
9,687
1,250
1,276
1,302
1,345
1,388
1,431
1,475
1,518
1,579
1,640
1,701
1,761
1,822
1,927
2,031
2,135
2,239
2,343
2,485
2,627
2,770
2,912
3,054
3,279
3,504
3,730
3,955
4,180
4,507
4,833
5,159
5,486
5,812
1,041
1,063
1,085
1,121
1,157
1,193
1,229
1,265
1,316
1,366
1,417
1,468
1,519
1,605
1,692
1,779
1,866
1,953
2,071
2,189
2,308
2,426
2,545
2,733
2,920
3,108
3,296
3,484
3,755
4,027
4,299
4,571
4,843
3,542
3,683
3,823
4,014
4,206
4,397
4,588
4,779
5,018
5,257
5,496
5,735
5,974
6,238
6,502
6,766
7,030
7,294
7,659
8,024
8,388
8,753
9,118
9,574
10,029
10,485
10,941
11,397
11,967
12,537
13,107
13,676
14,246
2,362
2,455
2,549
2,676
2,804
2,931
3,059
3,186
3,345
3,505
3,664
3,823
3,983
4,159
4,335
4,511
4,687
4,863
5,106
5,349
5,592
5,835
6,078
6,382
6,686
6,990
7,294
7,598
7,978
8,358
8,738
9,118
9,498
2,007
2,087
2,167
2,275
2,383
2,492
2,600
2,708
2,844
2,979
3,114
3,250
3,385
3,535
3,684
3,834
3,984
4,133
4,340
4,547
4,753
4,960
5,167
5,425
5,683
5,942
6,200
6,458
6,781
7,104
7,427
7,750
8,073
附加門診保障
年齡9基本保障保費外另付
墊底費
$5,000 $8,000 $5,000 $8,000 $5,000 $8,000 地區1 地區2
地區C - $2,500,000美元保障額基本保障 - 住院福利
地區1 - 全球 地區2 - 全球(美國除外) 地區3 - 亞洲5
地區35
保費及保費徵費表(美元)
無墊底費 無墊底費 無墊底費
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
20,248
21,122
21,996
22,869
23,743
24,693
25,681
26,708
27,776
28,887
30,043
31,245
32,494
33,794
35,146
36,552
38,014
39,534
41,116
42,760
44,471
46,250
48,100
50,024
52,025
54,106
56,270
58,521
60,862
63,296
65,828
68,461
71,199
74,047
12,149
12,673
13,197
13,722
14,246
14,816
15,409
16,025
16,666
17,332
18,026
18,747
19,497
20,277
21,088
21,931
22,808
23,721
24,670
25,656
26,683
27,750
28,860
30,014
31,215
32,463
33,762
35,112
36,517
37,978
39,497
41,077
42,720
44,428
10,124
10,561
10,998
11,435
11,872
12,347
12,840
13,354
13,888
14,444
15,021
15,622
16,247
16,897
17,573
18,276
19,007
19,767
20,558
21,380
22,235
23,125
24,050
25,012
26,012
27,053
28,135
29,260
30,431
31,648
32,914
34,230
35,600
37,024
13,499
14,081
14,664
15,246
15,829
16,462
17,121
17,805
18,518
19,258
20,029
20,830
21,663
22,529
23,431
24,368
25,343
26,356
27,411
28,507
29,647
30,833
32,066
33,349
34,683
36,070
37,513
39,014
40,574
42,197
43,885
45,641
47,466
49,365
8,099
8,449
8,798
9,148
9,497
9,877
10,272
10,683
11,111
11,555
12,017
12,498
12,998
13,518
14,058
14,621
15,206
15,814
16,446
17,104
17,788
18,500
19,240
20,009
20,810
21,642
22,508
23,408
24,345
25,318
26,331
27,384
28,480
29,619
6,749
7,041
7,332
7,623
7,914
8,231
8,560
8,903
9,259
9,629
10,014
10,415
10,831
11,265
11,715
12,184
12,671
13,178
13,705
14,253
14,824
15,417
16,033
16,675
17,342
18,035
18,757
19,507
20,287
21,099
21,943
22,820
23,733
24,682
10,124
10,561
10,998
11,435
11,872
12,347
12,840
13,354
13,888
14,444
15,021
15,622
16,247
16,897
17,573
18,276
19,007
19,767
20,558
21,380
22,235
23,125
24,050
25,012
26,012
27,053
28,135
29,260
30,431
31,648
32,914
34,230
35,600
37,024
6,074
6,337
6,599
6,861
7,123
7,408
7,704
8,012
8,333
8,666
9,013
9,373
9,748
10,138
10,544
10,966
11,404
11,860
12,335
12,828
13,341
13,875
14,430
15,007
15,607
16,232
16,881
17,556
18,258
18,989
19,748
20,538
21,360
22,214
5,062
5,280
5,499
5,717
5,936
6,173
6,420
6,677
6,944
7,222
7,511
7,811
8,124
8,449
8,787
9,138
9,503
9,884
10,279
10,690
11,118
11,562
12,025
12,506
13,006
13,526
14,067
14,630
15,215
15,824
16,457
17,115
17,800
18,512
15,301
16,355
17,409
18,463
19,517
20,298
21,110
21,954
22,833
23,746
24,696
25,684
26,711
27,779
28,891
30,046
31,248
32,498
33,798
35,150
36,556
38,018
39,539
41,120
42,765
44,476
46,255
48,105
50,029
52,030
54,111
56,276
58,527
60,868
10,200
10,903
11,606
12,309
13,012
13,532
14,073
14,636
15,222
15,831
16,464
17,122
17,807
18,520
19,260
20,031
20,832
21,665
22,532
23,433
24,371
25,345
26,359
27,414
28,510
29,650
30,836
32,070
33,353
34,687
36,074
37,517
39,018
40,579
8,670
9,268
9,865
10,462
11,060
11,502
11,962
12,441
12,938
13,456
13,994
14,554
15,136
15,742
16,371
17,026
17,707
18,416
19,152
19,918
20,715
21,544
22,405
23,301
24,234
25,203
26,211
27,259
28,350
29,484
30,663
31,890
33,165
34,492
附加門診保障
年齡9基本保障保費外另付
墊底費
$5,000 $8,000 $5,000 $8,000 $5,000 $8,000 地區1 地區2
地區C - $2,500,000美元保障額基本保障 - 住院福利
地區1 - 全球 地區2 - 全球(美國除外) 地區3 - 亞洲5
地區35
保費及保費徵費表(美元)
無墊底費 無墊底費 無墊底費
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
8,307
8,307
8,307
8,307
8,307
7,817
7,728
7,638
7,549
7,459
7,370
7,347
7,324
7,300
7,277
7,254
7,154
7,053
6,953
6,853
6,752
6,844
6,935
7,026
7,118
7,209
7,368
7,527
7,685
7,844
8,002
8,251
8,500
8,749
6,788
6,788
6,788
6,788
6,788
6,343
6,259
6,175
6,091
6,007
5,924
5,895
5,866
5,838
5,809
5,780
5,674
5,568
5,462
5,356
5,250
5,285
5,319
5,353
5,387
5,422
5,547
5,673
5,799
5,924
6,050
6,255
6,461
6,667
6,408
6,408
6,408
6,408
6,408
5,974
5,892
5,809
5,727
5,644
5,562
5,532
5,502
5,472
5,442
5,412
5,304
5,197
5,090
4,982
4,875
4,895
4,915
4,935
4,955
4,975
5,092
5,210
5,327
5,444
5,562
5,756
5,951
6,146
5,538
5,538
5,538
5,538
5,538
5,211
5,152
5,092
5,032
4,973
4,913
4,898
4,882
4,867
4,852
4,836
4,769
4,702
4,635
4,568
4,501
4,562
4,623
4,684
4,745
4,806
4,912
5,018
5,123
5,229
5,335
5,501
5,667
5,833
4,525
4,525
4,525
4,525
4,525
4,229
4,173
4,117
4,061
4,005
3,949
3,930
3,911
3,892
3,873
3,853
3,783
3,712
3,642
3,571
3,500
3,523
3,546
3,569
3,592
3,614
3,698
3,782
3,866
3,950
4,033
4,170
4,307
4,444
4,272
4,272
4,272
4,272
4,272
3,983
3,928
3,873
3,818
3,763
3,708
3,688
3,668
3,648
3,628
3,608
3,536
3,465
3,393
3,322
3,250
3,263
3,277
3,290
3,303
3,316
3,395
3,473
3,551
3,630
3,708
3,838
3,967
4,097
4,454
4,454
4,454
4,454
4,454
4,184
4,134
4,084
4,035
3,985
3,935
3,921
3,907
3,893
3,879
3,865
3,807
3,749
3,692
3,634
3,576
3,618
3,660
3,703
3,745
3,787
3,872
3,956
4,041
4,125
4,209
4,343
4,477
4,611
3,695
3,695
3,695
3,695
3,695
3,447
3,400
3,353
3,306
3,259
3,212
3,195
3,178
3,162
3,145
3,128
3,067
3,007
2,946
2,886
2,825
2,839
2,852
2,866
2,880
2,894
2,961
3,029
3,097
3,165
3,233
3,345
3,457
3,569
3,505
3,505
3,505
3,505
3,505
3,263
3,216
3,170
3,124
3,078
3,031
3,014
2,996
2,979
2,961
2,944
2,883
2,821
2,760
2,699
2,637
2,644
2,650
2,657
2,664
2,670
2,734
2,798
2,861
2,925
2,989
3,096
3,202
3,309
年齡9
墊底費
無墊底費 $5,000 $8,000 無墊底費 $5,000 $8,000 無墊底費 $5,000 $8,000
地區2 - 全球(美國除外) 地區3 - 亞洲5地區1 - 全球
地區D6 - $5,000,000美元保障額基本保障 - 住院福利
保費及保費徵費表(美元)
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
8,998
9,247
9,618
9,990
10,361
10,732
11,103
11,596
12,089
12,582
13,074
13,567
14,265
14,963
15,661
16,359
17,057
18,014
18,971
19,928
20,885
21,842
23,236
24,631
26,026
27,420
28,815
30,744
32,674
34,604
36,534
38,464
40,610
42,757
6,872
7,078
7,377
7,676
7,975
8,274
8,574
8,965
9,356
9,747
10,139
10,530
11,054
11,579
12,103
12,627
13,152
13,872
14,592
15,312
16,032
16,752
17,771
18,790
19,809
20,828
21,848
23,233
24,619
26,005
27,391
28,777
30,486
32,196
6,341
6,535
6,816
7,098
7,379
7,660
7,941
8,307
8,673
9,039
9,405
9,771
10,252
10,733
11,214
11,695
12,176
12,836
13,497
14,158
14,819
15,480
16,405
17,330
18,255
19,181
20,106
21,356
22,605
23,855
25,105
26,355
27,955
29,556
5,999
6,165
6,412
6,660
6,907
7,155
7,402
7,731
8,059
8,388
8,716
9,045
9,510
9,975
10,441
10,906
11,371
12,009
12,647
13,285
13,923
14,561
15,491
16,421
17,350
18,280
19,210
20,496
21,783
23,069
24,356
25,642
27,074
28,505
4,581
4,718
4,918
5,117
5,317
5,516
5,716
5,977
6,237
6,498
6,759
7,020
7,370
7,719
8,069
8,418
8,768
9,248
9,728
10,208
10,688
11,168
11,848
12,527
13,206
13,886
14,565
15,489
16,413
17,337
18,261
19,184
20,324
21,464
4,227
4,357
4,544
4,732
4,919
5,107
5,294
5,538
5,782
6,026
6,270
6,514
6,834
7,155
7,476
7,796
8,117
8,558
8,998
9,439
9,879
10,320
10,937
11,553
12,170
12,787
13,404
14,237
15,070
15,904
16,737
17,570
18,637
19,704
4,745
4,878
5,077
5,275
5,474
5,672
5,870
6,133
6,395
6,657
6,920
7,182
7,548
7,915
8,282
8,648
9,015
9,518
10,020
10,523
11,026
11,529
12,256
12,984
13,712
14,439
15,167
16,170
17,173
18,176
19,179
20,182
21,325
22,469
3,682
3,794
3,956
4,118
4,281
4,443
4,605
4,817
5,029
5,240
5,452
5,663
5,943
6,223
6,503
6,782
7,062
7,447
7,831
8,215
8,600
8,984
9,524
10,064
10,604
11,144
11,684
12,414
13,145
13,876
14,607
15,338
16,263
17,188
3,416
3,522
3,676
3,829
3,983
4,136
4,289
4,488
4,687
4,886
5,085
5,284
5,542
5,800
6,058
6,316
6,574
6,929
7,284
7,638
7,993
8,348
8,841
9,334
9,827
10,320
10,813
11,476
12,139
12,801
13,464
14,127
14,998
15,868
年齡9
墊底費
$5,000 $8,000 $5,000 $8,000 $5,000 $8,000
地區1 - 全球 地區2 - 全球(美國除外) 地區3 - 亞洲5
地區D6 - $5,000,000美元保障額基本保障 - 住院福利
保費及保費徵費表(美元)
無墊底費 無墊底費 無墊底費
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
44,903
47,050
49,197
51,165
53,211
55,340
57,553
59,855
62,249
64,739
67,329
70,022
72,823
75,736
78,765
81,916
85,193
88,600
92,144
95,830
99,663
103,650
107,796
112,108
116,592
121,256
126,106
131,150
136,396
141,852
147,526
153,427
33,906
35,615
37,325
38,818
40,371
41,986
43,665
45,412
47,228
49,117
51,082
53,125
55,250
57,460
59,758
62,149
64,635
67,220
69,909
72,705
75,614
78,638
81,784
85,055
88,457
91,995
95,675
99,502
103,482
107,622
111,926
116,404
31,156
32,757
34,357
35,731
37,161
38,647
40,193
41,801
43,473
45,212
47,020
48,901
50,857
52,891
55,007
57,207
59,495
61,875
64,350
66,924
69,601
72,385
75,280
78,292
81,423
84,680
88,068
91,590
95,254
99,064
103,027
107,148
29,936
31,367
32,798
34,110
35,474
36,893
38,369
39,903
41,500
43,160
44,886
46,681
48,549
50,491
52,510
54,611
56,795
59,067
61,430
63,887
66,442
69,100
71,864
74,738
77,728
80,837
84,071
87,433
90,931
94,568
98,351
102,285
22,604
23,744
24,883
25,879
26,914
27,990
29,110
30,274
31,485
32,745
34,055
35,417
36,833
38,307
39,839
41,433
43,090
44,813
46,606
48,470
50,409
52,425
54,522
56,703
58,971
61,330
63,783
66,335
68,988
71,748
74,618
77,602
20,771
21,838
22,905
23,821
24,774
25,765
26,795
27,867
28,982
30,141
31,347
32,601
33,905
35,261
36,671
38,138
39,664
41,250
42,900
44,616
46,401
48,257
50,187
52,194
54,282
56,454
58,712
61,060
63,503
66,043
68,684
71,432
23,612
24,756
25,899
26,935
28,013
29,133
30,299
31,511
32,771
34,082
35,445
36,863
38,338
39,871
41,466
43,125
44,850
46,644
48,509
50,450
52,468
54,566
56,749
59,019
61,380
63,835
66,388
69,044
71,806
74,678
77,665
80,771
18,113
19,039
19,964
20,762
21,593
22,456
23,355
24,289
25,260
26,271
27,322
28,414
29,551
30,733
31,962
33,241
34,571
35,953
37,392
38,887
40,443
42,060
43,743
45,493
47,312
49,205
51,173
53,220
55,349
57,563
59,865
62,260
16,739
17,609
18,480
19,219
19,988
20,787
21,619
22,483
23,383
24,318
25,291
26,302
27,354
28,449
29,587
30,770
32,001
33,281
34,612
35,997
37,436
38,934
40,491
42,111
43,795
45,547
47,369
49,264
51,234
53,284
55,415
57,632
年齡9
墊底費
$5,000 $8,000 $5,000 $8,000 $5,000 $8,000
地區1 - 全球 地區2 - 全球(美國除外) 地區3 - 亞洲5
地區D6 - $5,000,000美元保障額基本保障 - 住院福利
保費及保費徵費表(美元)
無墊底費 無墊底費 無墊底費
備註• 涵蓋地區: 地區1 - 全球;或 地區2 - 全球(美國除外);或 10 地區3 - 亞洲: 阿富汗、澳洲、孟加拉、不丹、汶萊、柬埔寨、中國內地、香港、印度、印尼、日本、哈薩克斯坦、吉爾 吉斯坦、老撾、澳門、馬來西亞、馬爾代夫、蒙古、緬甸、新加坡、韓國、斯里蘭卡、台灣、塔吉克斯坦、泰國、東帝 汶、土庫曼斯坦、烏茲別克及越南
• 亞洲涵蓋地區計劃於香港或澳門病房的預設病房級別為半私家病房,若受保人選擇的病房類型為標準私人病房,調整因素 50%將可能應用於保障下的應付索賠金額
• 此保單的投保貨幣是美金,1美元兌港元的匯率為7.8
• 利寶保險保留不時對保費及保費徵費表作出修訂的權利
• 續保保費請參閱續保通知書
保費及保費徵費表(美元)
適用於計劃A及B
適用於計劃C及D
附加保障 - 牙齒護理保障
適用於計劃C及D
附加保障 - 分娩保障
641美元
705美元
2,564美元
本計劃不涵蓋以下治療、狀況、活動、項目及其相關費用,恕本公司不會對下列項目承擔責任:• 受保前已存在的傷病(請參閱一般規定和細則)
• 先天性缺陷,除有明確提供並已被認可及註明於受保條款內
• 不育、避孕或絕育或引產
• 未經醫生允諾或建議的治療
• 中草藥及/或補品,例如但不限於燕窩、靈芝、人參、冬蟲夏草、松茸、鹿茸等
• 未經醫生處方購買的藥物
• 上癮的狀態或疾病,例如濫用毒品或酒精
• 因自己蓄意引起之損傷、自殺
• 非醫學上必要治療或非強制性治療
• 選擇性美容手術
• 因戰爭、侵略、外國敵意入侵、敵對行動或軍事行動、內戰、叛亂、革命、暴動、內亂或參與任何非法行為(包括監禁)而造 成的受傷
• 步行以外的任何競賽以及所有專業運動
• 性傳播疾病的治療
• 另類療法,例如香薰療法及自然醫學
• 擔任警察或軍隊成員時發生的人身傷害或疾病治療
請參閱保單條款及細則以了解所有不保事項。
主要不保事項
由利寶國際保險有限公司承保 香港鰂魚涌華蘭路25號柏克大廈13樓
(852) 2892 3882 | www.libertyinsurance.com.hk | APR 2020
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此計劃受相關保單合約的條款、細則及不保事項所約束。利寶保險保留接受任何申請的最終權利。本產品說明書僅提供一般資料,僅供參考。有關詳細條款、細則及不保事項,請參閱有關產品保單內容。如英文版本與翻譯版本之間存在任何歧義或不相符之處,則以英文版本為準。