mediTopTop up your medical plan, embark on your healthy-living journey

Protect yourself against unexpected medical expensesOn top of your employee benefits basic medical cover, you can protect yourself against unexpected

medical expenses with a top up medical plan. mediTop is an individual top up hospital plan to supplement your employer's group medical plan at affordable cost. With three Annual Deductible options

and three-Room Level options to choose from, you can budget according to your medical needs. By complementing your existing cover with mediTop, you and your family can enjoy the peace of mind from

the ever-rising medical expenses of chronic or critical illness.

Benefits at a glance

Guaranteed renewal up to age 100 and subject

to pool rating1

Top up ofHospitalisation Benefits

up to HK$1,500,000per year

Target therapeutic medications up to HK$1,500,000 per

lifetime

1 The benefits, terms and conditions and the premium rates may be revised at pool level upon policy renewal.Premium charged at renewal will also be based on your age. We guarantee to renew your policy as long as you

meet the requirements as stated in the renewal clauses on the Plan Rules. For details, please refer to yourInsurance Consultant and Plan Rules.

Extended to Cover Outpatient Oncology

Treatment

Premium as low as HK$2 per day

Hospitalisation & Surgical Benefits

Annual Deductible Options

Overall Annual Limit

Day Case: Gastroscopy & Colonoscopy Benefits3

Maximum limit per year

HK$12,500 HK$17,500 HK$22,500

Companion BedAccompanied dependent child below age 18

Special Nursing Care in Hospital3

Maximum limit per yearHK$10,000 HK$10,000 HK$10,000

Summary of Benefits

Pre and Post-Operation TreatmentMaximum limit per year Include 1 pre-operation consultation and post-operation follow-up visits within 30 days after hospital discharge

HK$10,000 HK$10,000 HK$10,000

Fully covered Fully covered Fully covered

Co-ordination of Benefit - This Plan will be paid after any other in-force insurance policy(ies) or indemnity source(s).

2 If the Insured Member confined the room level which is higher than the chosen level, an adjustment factor will be applied.3 Written referral from the attending registered physician is required.

Room Level Options2 Semi-PrivateWard Private

HK$1,500,000 HK$1,500,000 HK$1,500,000

HK$50,000/HK$80,000/HK$130,000

Fully covered Fully covered Fully covered

• Pre-existing conditions

• Any medical services associated with pregnancy/fertility/contraceptive technique/sterilisation

• Birth defects or congenital illness(es)

• Cosmetic surgery

• Treatment for Hepatitis B/C/D Virus and/or liver disorders while the Insured Member is a known Hepatitis B/C/D carrier prior to Policy inception date

• Dental treatment or oral surgery

• Routine medical/eye/ear examination (including the cost of spectacles, contact lenses and hearing aids, correction of eye visions)

• Treatment for injury or sickness resulting directly or indirectly from terrorism, war, riot, civil commotion or any warlike operation or participation in illegal acts

• Mental illness/psychiatric disorder (for e.g. depression, etc)

• Prostheses, corrective devices, special braces, implant appliances, pacemaker, wheel chair, crutches or other equipment

• Hospitalisation primarily for diagnosis or X-ray examination or physical therapy or routine medical examination unless recommended by a registered physician

• Self-inflicted injury, suicide, abuse of alcohol, drug addiction or abuse

• Sexually transmitted or venereal diseases, AIDS, ARC and their sequelae

• Long term care facility, spa, hydro-clinic, rest curse and sanatorium

• Any expenses for health supplements and all specialised 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

• Non-Hong Kong residents (unless otherwise agreed)

Major Exclusions

• Insured and Legal Spouse below 65 years old and children (unmarried and unemployed) between 15 days old and below 18 years old

• Proposal for children must include at least one parent and the choice of plan for child must be equal to that of the parent(s)

• Hong Kong Residents

Eligibility

0-9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

1,967 1,598 991

1,878 1,525 946

1,889 1,534 952

1,899 1,542 957

1,910 1,552 962

1,921 1,560 967

1,931 1,569 973

1,942 1,578 979

1,952 1,586 983

1,509 1,225 761

1,518 1,233 764

1,530 1,242 768

1,780 1,445 895

1,794 1,458 904

1,809 1,470 911

1,824 1,483 919

1,840 1,493 926

1,854 1,505 934

1,870 1,519 940

1,883 1,530 948

1,892 1,539 953

1,901 1,546 959

2,453 1,994 1,236

2,471 2,009 1,245

2,491 2,024 1,255

2,511 2,041 1,264

2,532 2,057 1,277

2,554 2,074 1,287

2,574 2,091 1,297

2,594 2,106 1,307

2,614 2,123 1,315

2,630 2,137 1,324

3,315 2,692 1,670

2,522 1,271

2,408 1,213

2,422 1,220

2,436 1,227

2,449 1,234

2,462 1,241

2,476 1,247

2,490 1,255

2,504 1,261

1,935 975

1,946 979

1,962 984

2,282 1,148

2,300 1,159

2,320 1,169

2,338 1,178

2,358 1,188

2,376 1,196

2,397 1,205

2,415 1,216

2,426 1,222

2,438 1,229

3,145 1,584

3,168 1,596

3,194 1,609

3,219 1,622

3,247 1,638

3,274 1,650

3,300 1,663

3,325 1,676

3,351 1,686

3,372 1,697

4,250

2,049

1,956

1,966

1,978

1,989

2,000

2,012

2,023

2,033

1,571

1,580

1,593

1,853

1,870

1,885

1,900

1,915

1,930

1,947

1,962

1,973

1,982

2,557

2,576

2,596

2,617

2,637

2,660

2,681

2,701

2,722

2,739

3,453 2,141

4,610 2,860

4,400 2,731

4,425 2,745

4,451 2,762

4,477 2,776

4,501 2,793

4,528 2,807

4,553 2,824

4,575 2,839

3,535 2,194

3,556 2,204

3,585 2,215

4,169 2,583

4,207 2,610

4,241 2,631

4,276 2,652

4,310 2,673

4,343 2,692

4,381 2,711

4,415 2,736

4,439 2,750

4,461 2,767

5,754 3,566

5,798 3,593

5,842 3,621

5,890 3,650

5,936 3,685

5,985 3,713

6,033 3,742

6,079 3,771

6,126 3,795

6,165 3,818

5,676

5,420

5,451

5,483

5,511

5,542

5,573

5,604

5,636

4,356

4,379

4,415

5,135

5,176

5,221

5,262

5,308

5,349

5,394

5,435

5,461

5,487

7,078

7,130

7,188

7,245

7,307

7,369

7,426

7,483

7,541

7,588

9,564 7,770 4,818

Premium Rate Table with Levy(Premium rates in HK$)

Age perLast Birthday

Ward Level

$50,000 $130,000

Private Room Level

$80,000 $130,000

Semi-private Room Level

$80,000 $50,000$50,000 $80,000 $130,000

Annual Deductible Option

32 2,471 2,009 1,245 3,168 1,5962,576 5,798 3,5937,130

Premium Rate Table with Levy(Premium rates in HK$)

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

Renewal Premium Rate for the Insured Member 65 years old or above 65

3,340

3,370

3,400

3,429

3,459

3,492

3,521

3,553

3,565

5,950

6,008

6,033

6,059

7,237

7,261

7,283

7,305

7,318

7,322

11,208

11,313

11,425

11,479

2,714

2,737

2,761

2,786

2,810

2,836

2,861

2,885

2,896

4,835

4,884

4,899

4,928

5,891

5,906

5,923

5,930

5,940

5,943

9,112

9,197

9,288

9,330

1,682

1,698

1,712

1,728

1,741

1,758

1,772

1,789

1,794

2,997

3,025

3,041

3,054

3,644

3,659

3,669

3,678

3,686

3,689

5,648

5,701

5,757

5,786

4,283

4,321

4,358

4,396

4,434

4,477

4,515

4,555

4,571

7,629

7,702

7,735

7,768

9,278

9,309

9,337

9,365

9,382

9,388

14,368

14,503

14,647

14,717

2,157

2,177

2,195

2,215

2,233

2,255

2,273

2,294

2,301

3,842

3,879

3,899

3,915

4,673

4,691

4,704

4,716

4,726

4,729

7,242

7,310

7,382

7,418

9,638

9,724

9,807

9,893

9,979

10,075

10,160

10,251

10,287

17,166

17,331

17,405

17,479

20,878

20,947

21,009

21,073

21,111

21,124

32,331

32,635

32,959

33,116

7,830

7,897

7,968

8,037

8,109

8,183

8,254

8,326

8,355

13,950

14,091

14,133

14,219

16,995

17,037

17,088

17,107

17,136

17,145

26,287

26,533

26,796

26,918

4,854

4,900

4,940

4,986

5,026

5,074

5,114

5,162

5,179

8,645

8,729

8,775

8,810

10,516

10,556

10,585

10,614

10,636

10,643

16,296

16,449

16,611

16,691

65

66

67

68

69

70

71

72

73

19,931

20,017

20,087

20,143

20,193

29,003

29,126

29,259

29,411

16,206

16,277

16,327

16,377

16,418

23,579

23,679

23,787

23,912

10,045

10,087

10,123

10,153

10,177

14,621

14,685

14,751

14,822

25,554

25,663

25,753

25,825

25,890

37,185

37,343

37,511

37,707

20,776

20,866

20,931

20,996

21,048

30,230

30,358

30,496

30,656

12,879

12,934

12,980

13,018

13,050

18,745

18,828

18,912

19,004

57,497

57,743

57,946

58,108

58,253

83,666

84,021

84,401

84,840

46,749

46,952

47,097

47,242

47,360

68,019

68,308

68,618

68,979

28,979

29,103

29,205

29,291

29,363

42,177

42,363

42,555

42,761

Age perLast Birthday

Ward Level

$50,000 $130,000

Private Room Level

$80,000 $130,000

Semi-private Room Level

$80,000 $50,000$50,000 $80,000 $130,000

Annual Deductible Option

3,479

3,509

3,541

3,571

3,603

3,636

3,668

3,700

3,712

6,200

6,262

6,281

6,319

7,552

7,571

7,594

7,602

7,615

7,619

11,683

11,792

11,909

11,963

Premium Rate Table with Levy(Premium rates in HK$)

74

75

76

77

78

79

80-100

29,554

40,718

40,838

40,979

41,131

41,262

57,325

24,028

33,103

33,186

33,303

33,444

33,575

46,645

14,892

20,522

20,585

20,656

20,731

20,796

28,893

37,890

52,202

52,356

52,538

52,732

52,900

73,494

30,805

42,440

42,546

42,696

42,876

43,046

59,802

19,094

26,310

26,392

26,482

26,580

26,664

37,042

85,253

117,456

117,805

118,213

118,649

119,028

165,363

69,313

95,491

95,730

96,066

96,472

96,854

134,556

42,963

59,201

59,386

59,588

59,805

59,993

83,346

The premium rates are valid from 1 August 2019

Age perLast Birthday

Ward Level

$50,000 $130,000

Private Room Level

$80,000 $130,000

Semi-private Room Level

$80,000 $50,000$50,000 $80,000 $130,000

Annual Deductible Option

This page is left blank intentionally.

APR 2020

Underwritten by Liberty International Insurance Limited13/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.

利加保完善您的醫療保障 邁向健康人生

保障突如其來的的醫療開支在您原有的個人或團體住院保險上，您可以完善自己的醫療保障以應付突如其來的的醫療開支。利加保個人醫療計劃以相宜的保費為您在原有的團體住院保險上，提供額外的保障。此計劃提供三種不同的墊底費選項及三款住房級別選擇，以配合您的預算及醫療需要。透過利加寶填補現時的醫療保障缺口，令您和家人可以

從容面對慢性病或重症疾病不斷攀升的醫療開支。

保障特點

保證終身續保及整體保費和保障調整1

每年住院福利保障高達150萬港元

標靶治療藥物終身保障額高達150萬港元

1 於續保時，此計劃之保障額、項目、條款及細則和保費或會被修訂。續保保費將根據續保時您的年齡而釐定。只要您符合保單條款中續保的要求，我們保證為您續保。詳情請向您的保險顧問查詢或參閱保單條款。

腫瘤治療保障延伸包括日間住院之治療

保費低至每日只需2港元

保障福利表

住院及手術福利

每年墊底費選擇

每年總限額

日間治療：胃鏡檢查和結腸鏡檢查3

每保單年度計12,500港元 17,500港元 22,500港元

子女入院加床費 陪伴18歲以下小孩

住院特別看護護理3

每保單年度計10,000港元 10,000港元 10,000港元

手術前及手術後出院之門診開支每保單年度計包括手術前門診開支1次及手術後出院30天內之跟進治療門診開支

10,000港元 10,000港元 10,000港元

全數賠償 全數賠償 全數賠償

共付賠償 - 當受保人擁有其他生效中的保單或可在其他途徑獲得賠償，本計劃將會成為最後賠償的保單。

2 如受保人入住之房間級別比原先選擇的為高，所有保障額將會有所調整。3 必須經由主診註冊醫生以書面轉介。

住房級別選擇2 半私家房大房 私家房

1,500,000港元 1,500,000港元 1,500,000港元

50,000港元/80,000港元/130,000港元

全數賠償 全數賠償 全數賠償

• 受保前已存在之疾病

• 所有與懷孕/生育/節育/絕育有關之治療或醫療服務

• 先天性缺陷或疾病

• 整容手術

• 如受保人在保單生效前已知悉是乙/丙/丁型肝炎帶菌者，在保單生效後之乙/丙/丁型肝炎治療及/或肝病治療之費用

• 牙科治療/口腔手術

• 例行身體/眼部/耳朵 檢查（包括：裝配眼鏡/隱形眼鏡/助聽裝置/視力矯正）

• 所有因恐怖襲擊活動/戰爭/暴亂/騷動/與戰爭類似的行動/參與非法行為而導致之損傷或疾病

• 精神/心理問題（例如：抑鬱等等）

• 安裝或使用輔助儀器或特殊矯正或植入儀器，例如：義肢/助聽器/輪椅/心臟起搏器/拐杖等儀器費用

• 非經由註冊西醫推薦及證實之入院治療/X 光檢查/物理治療/例行體格檢查

• 一切因自己蓄意引起之損傷/自殺/酗酒/吸毒/濫用藥物

• 性病/愛滋病/後天免疫力缺乏症及其併發症

• 長期康護用品/溫泉/水療/休養/療養之費用

• 任何健康補充劑或食品/特別的中草藥/滋補藥材等費用，例如但不限於下列之中草藥：燕窩/靈芝/人參/冬蟲夏草/姬松茸/梅花鹿茸等等

• 非香港居民（除非經特別同意）

主要不保事項

• 65歲以下的受保人及法定配偶，以及15天至18歲之間的子女（未婚和無業）

• 子女投保必須至少包括一名父母，子女的投保計劃亦必須與父母的選擇的投保計劃相同

• 香港居民

投保資格

0-9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

1,967 1,598 991

1,878 1,525 946

1,889 1,534 952

1,899 1,542 957

1,910 1,552 962

1,921 1,560 967

1,931 1,569 973

1,942 1,578 979

1,952 1,586 983

1,509 1,225 761

1,518 1,233 764

1,530 1,242 768

1,780 1,445 895

1,794 1,458 904

1,809 1,470 911

1,824 1,483 919

1,840 1,493 926

1,854 1,505 934

1,870 1,519 940

1,883 1,530 948

1,892 1,539 953

1,901 1,546 959

2,453 1,994 1,236

2,471 2,009 1,245

2,491 2,024 1,255

2,511 2,041 1,264

2,532 2,057 1,277

2,554 2,074 1,287

2,574 2,091 1,297

2,594 2,106 1,307

2,614 2,123 1,315

2,630 2,137 1,324

3,315 2,692 1,670

2,522 1,271

2,408 1,213

2,422 1,220

2,436 1,227

2,449 1,234

2,462 1,241

2,476 1,247

2,490 1,255

2,504 1,261

1,935 975

1,946 979

1,962 984

2,282 1,148

2,300 1,159

2,320 1,169

2,338 1,178

2,358 1,188

2,376 1,196

2,397 1,205

2,415 1,216

2,426 1,222

2,438 1,229

3,145 1,584

3,168 1,596

3,194 1,609

3,219 1,622

3,247 1,638

3,274 1,650

3,300 1,663

3,325 1,676

3,351 1,686

3,372 1,697

4,250

2,049

1,956

1,966

1,978

1,989

2,000

2,012

2,023

2,033

1,571

1,580

1,593

1,853

1,870

1,885

1,900

1,915

1,930

1,947

1,962

1,973

1,982

2,557

2,576

2,596

2,617

2,637

2,660

2,681

2,701

2,722

2,739

3,453 2,141

4,610 2,860

4,400 2,731

4,425 2,745

4,451 2,762

4,477 2,776

4,501 2,793

4,528 2,807

4,553 2,824

4,575 2,839

3,535 2,194

3,556 2,204

3,585 2,215

4,169 2,583

4,207 2,610

4,241 2,631

4,276 2,652

4,310 2,673

4,343 2,692

4,381 2,711

4,415 2,736

4,439 2,750

4,461 2,767

5,754 3,566

5,798 3,593

5,842 3,621

5,890 3,650

5,936 3,685

5,985 3,713

6,033 3,742

6,079 3,771

6,126 3,795

6,165 3,818

5,676

5,420

5,451

5,483

5,511

5,542

5,573

5,604

5,636

4,356

4,379

4,415

5,135

5,176

5,221

5,262

5,308

5,349

5,394

5,435

5,461

5,487

7,078

7,130

7,188

7,245

7,307

7,369

7,426

7,483

7,541

7,588

9,564 7,770 4,818

年齡 (足歲)大房級別

$50,000 $130,000

私家房級別

$80,000 $130,000

半私家房級別

$80,000 $50,000$50,000 $80,000 $130,000

每年墊底費選擇

保費及保費徵費表（保費以港元顯示）

32 2,471 2,009 1,245 3,168 1,5962,576 5,798 3,5937,130

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65歲或以上受保人之續保年費

3,340

3,370

3,400

3,429

3,459

3,492

3,521

3,553

3,565

5,950

6,008

6,033

6,059

7,237

7,261

7,283

7,305

7,318

7,322

11,208

11,313

11,425

11,479

2,714

2,737

2,761

2,786

2,810

2,836

2,861

2,885

2,896

4,835

4,884

4,899

4,928

5,891

5,906

5,923

5,930

5,940

5,943

9,112

9,197

9,288

9,330

1,682

1,698

1,712

1,728

1,741

1,758

1,772

1,789

1,794

2,997

3,025

3,041

3,054

3,644

3,659

3,669

3,678

3,686

3,689

5,648

5,701

5,757

5,786

4,283

4,321

4,358

4,396

4,434

4,477

4,515

4,555

4,571

7,629

7,702

7,735

7,768

9,278

9,309

9,337

9,365

9,382

9,388

14,368

14,503

14,647

14,717

2,157

2,177

2,195

2,215

2,233

2,255

2,273

2,294

2,301

3,842

3,879

3,899

3,915

4,673

4,691

4,704

4,716

4,726

4,729

7,242

7,310

7,382

7,418

9,638

9,724

9,807

9,893

9,979

10,075

10,160

10,251

10,287

17,166

17,331

17,405

17,479

20,878

20,947

21,009

21,073

21,111

21,124

32,331

32,635

32,959

33,116

7,830

7,897

7,968

8,037

8,109

8,183

8,254

8,326

8,355

13,950

14,091

14,133

14,219

16,995

17,037

17,088

17,107

17,136

17,145

26,287

26,533

26,796

26,918

4,854

4,900

4,940

4,986

5,026

5,074

5,114

5,162

5,179

8,645

8,729

8,775

8,810

10,516

10,556

10,585

10,614

10,636

10,643

16,296

16,449

16,611

16,691

65

66

67

68

69

70

71

72

73

19,931

20,017

20,087

20,143

20,193

29,003

29,126

29,259

29,411

16,206

16,277

16,327

16,377

16,418

23,579

23,679

23,787

23,912

10,045

10,087

10,123

10,153

10,177

14,621

14,685

14,751

14,822

25,554

25,663

25,753

25,825

25,890

37,185

37,343

37,511

37,707

20,776

20,866

20,931

20,996

21,048

30,230

30,358

30,496

30,656

12,879

12,934

12,980

13,018

13,050

18,745

18,828

18,912

19,004

57,497

57,743

57,946

58,108

58,253

83,666

84,021

84,401

84,840

46,749

46,952

47,097

47,242

47,360

68,019

68,308

68,618

68,979

28,979

29,103

29,205

29,291

29,363

42,177

42,363

42,555

42,761

3,479

3,509

3,541

3,571

3,603

3,636

3,668

3,700

3,712

6,200

6,262

6,281

6,319

7,552

7,571

7,594

7,602

7,615

7,619

11,683

11,792

11,909

11,963

年齡 (足歲)大房級別

$50,000 $130,000

私家房級別

$80,000 $130,000

半私家房級別

$80,000 $50,000$50,000 $80,000 $130,000

每年墊底費選擇

保費及保費徵費表（保費以港元顯示）

74

75

76

77

78

79

80-100

29,554

40,718

40,838

40,979

41,131

41,262

57,325

24,028

33,103

33,186

33,303

33,444

33,575

46,645

14,892

20,522

20,585

20,656

20,731

20,796

28,893

37,890

52,202

52,356

52,538

52,732

52,900

73,494

30,805

42,440

42,546

42,696

42,876

43,046

59,802

19,094

26,310

26,392

26,482

26,580

26,664

37,042

85,253

117,456

117,805

118,213

118,649

119,028

165,363

69,313

95,491

95,730

96,066

96,472

96,854

134,556

42,963

59,201

59,386

59,588

59,805

59,993

83,346

以上保費由2019年8月1日起生效

年齡 (足歲)大房級別

$50,000 $130,000

私家房級別

$80,000 $130,000

半私家房級別

$80,000 $50,000$50,000 $80,000 $130,000

每年墊底費選擇

保費及保費徵費表（保費以港元顯示）

This page is left blank intentionally.

APR 2020

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 |

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。