mediTop

mediTop is a top-up medical plan paying after other in-force insurance or indemnity sources, covering eligible hospital services, oncology treatment, advanced diagnostic scanning and surgical appliances, subject to deductibles and limits.Public source · Checked: 15 Oct 2026

The annual overall limit is HK$1.5 million for mediTop and HK$5 million for Super mediTop. Annual deductible options are HK$50,000, HK$80,000 or HK$130,000. Choosing a room one or two levels above the insured level reduces eligible hospital-service reimbursement by 50% or 75%, respectively.Public source · Checked: 15 Oct 2026

The brochure provides annual premium tables including levy, by age last birthday, room level and annual deductible. The stated rates are valid from 1 Oct 2026; they are not a personal quotation.Public source · Checked: 15 Oct 2026

Premium rates are not guaranteed. Renewal pricing considers attained age, medical trends and inflation, benefit changes, and the plan pool’s claims and expenses; the brochure also identifies health condition and chosen coverage as premium factors.Public source · Checked: 15 Oct 2026

This is an annual contract. While the plan remains available, renewal is guaranteed subject to the renewal terms and premium payment; Liberty may revise benefits and terms on written notice. Cover terminates on the first premium due date after the insured’s 100th birthday or earlier specified events.Public source · Checked: 15 Oct 2026

Targeted therapy, gamma knife, cyberknife, immunotherapy, hormonal therapy and proton therapy have an initial one-year waiting period from the original policy inception date. This statement does not establish the waiting period for every benefit.Public source · Checked: 15 Oct 2026

The brochure lists pre-existing conditions, non-medically necessary or experimental treatment, cosmetic and dental treatment, pregnancy/fertility-related services, self-inflicted injury, and organ donor costs among major exclusions. Consult the policy for the complete list.Public source · Checked: 15 Oct 2026

The policyholder may cancel with 30 days’ written notice provided no claims have been paid or remain outstanding. The quoted termination clause does not specify a premium refund amount.Public source · Checked: 15 Oct 2026

Insurer claims guide

Submit the completed claim form and required original supporting documents within 90 days after the clinical visit, clinical operation, day case or hospital discharge. Late submission may prevent processing and lead to rejection.Public source · Checked: 15 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026