Liberty VHIS Standard Plan

Like all things in life, getting sick is an inevitable part of life and that is when medical consultations are needed. Liberty Insurance Standard VHIS Plan is a government-certified medical insurance plan that offers you a broad scope of protection. It covers you for private health treatment with shorter waiting time and your choice of physicians. With guaranteed renewal up to the age of 100 and coverage of pre-existing conditions, your health is being covered extensively should the need arise.

Cooling-off period If you are not fully satisfied with the policy, you have the right to cancel it by giving Liberty International Insurance Limited ("Liberty") written request. Such written request must be signed by you and received directly by our Individual Medical Insurance Department at 13/F Berkshire House, 23 Westlands Street, Quarry Bay, Hong Kong within 21 days after the delivery of the policy or cooling-off notice to you or your representative, whichever is earlier. No premium and levy paid will be refunded if a claim payment under the policy has been made. Cooling-off rights are applicable to new contracts only.

Requirement to make full disclosure During the insurance application process, it’s important that you act with utmost good faith and disclose all material facts to Liberty. If you are uncertain as to whether a fact is material, then it should be disclosed. If you fail to disclose or misrepresent a material fact, this will raise questions about your entitlement to insurance benefits. Consequences may include, but not limited to, cancellation of your contract, premium adjustment based on correct information, rejection of claims application.

Pre-existing condition and switching between products Pre-existing condition in general are excluded unless there is a specific clause in the policy which provides cover for pre-existing condition. Please refer to the policy provisions for the definition of pre-existing conditions. Please be reminded that switching from one policy to another may affect what constitutes pre-existing condition under the new policy, for example the date used to determine whether a medical condition is the pre-existing condition.

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