Liberty Insurance VHIS Series - Flexi Plan (Classic)

Recorded features: VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.Public source · Checked: 17 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Inpatient above HK$10,000: form parts I/II and posted originals. Outpatient below HK$10,000: upload receipts.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Inpatient: claimant I, physician II, final itemised bills/reports. Public hospital II may be waived with clear diagnosis evidence.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Individual inpatient: notify in 30 days of hospitalisation; proof in 90 days of treatment. Small outpatient: 90 days of consultation.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: Large inpatient: Medical Claims, 26/F, 1111 King’s Rd by post. Small outpatient: Libbie by Liberty or EasyClaim.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: Payment follows the selected method; the reviewed pages do not list its available options.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Large inpatient: receipt about 4 working days; processing about 14 after complete originals/evidence. Small outpatient: about 3–5.Public source · Checked: 13 Oct 2026Public source · Checked: 13 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

VHIS plan type: Flexi PlanPublic source · Checked: 17 Oct 2026