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。