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YF Life Insurance International Limited — same-insurer plan comparison
YF Life Insurance International Limited · 20 plan series (23 variants, deductibles merged, sorted from basic to comprehensive)
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項目
Highlights
VHIS cert no.
S00025-01-000-02
F00020-05-000-01
F00020-05-001-01
F00020-01-000-03
F00020-01-001-03
F00020-02-000-03
F00020-02-001-03
F00020-03-000-03
F00020-03-001-03
F00020-04-000-03
F00020-04-001-03
F00080-01-000-01
F00080-01-001-01
F00080-02-000-01
F00080-02-001-01
F00080-03-000-01
F00080-03-001-01
F00080-04-000-01
F00080-04-001-01
F00065-01-000-02
F00065-02-000-02
F00065-03-000-02
F00065-04-000-02
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Asia incl. AU/NZ
Ward
N/A (capped)
Ward
Ward
Ward
Ward
Semi-Private Room
Semi-Private Room
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Ward
Ward
Ward
Ward
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Semi-Private Room
Lifetime limit
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Annual limit
Per illness
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
—
—
—
—
—
—
—
Deductible
—
—
—
—
—
—
—
—
—
—
—
—
—
—
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Version
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,800 per day, maximum 180 days per Policy Year
$1,800 per day, maximum 180 days per Policy Year
$3,000 per day, maximum 180 days per Policy Year
$3,000 per day, maximum 180 days per Policy Year
$5,050 per day, maximum 180 days per Policy Year
$5,050 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year
$2,200 per day, maximum 180 days per Policy Year
$2,200 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
(b) Miscellaneous charges
$14,000 per Policy Year
$14,500 per Policy Year
$14,500 per Policy Year
$15,000 per Policy Year
$15,000 per Policy Year
$18,000 per Policy Year
$18,000 per Policy Year
$23,000 per Policy Year
$23,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
$14,500 per Policy Year
$14,500 per Policy Year
$16,000 per Policy Year
$16,000 per Policy Year
$21,000 per Policy Year
$21,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II)(g) Medical Devices)
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,800 per day, maximum 180 days per Policy Year
$1,800 per day, maximum 180 days per Policy Year
$3,000 per day, maximum 180 days per Policy Year
$3,000 per day, maximum 180 days per Policy Year
$5,050 per day, maximum 180 days per Policy Year
$5,050 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,800 per day, maximum 180 days per Policy Year
$1,800 per day, maximum 180 days per Policy Year
$3,700 per day, maximum 180 days per Policy Year
$3,700 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
(d) Specialist's fee
$4,300 per Policy Year
$6,000 per Policy Year
$6,000 per Policy Year
$8,000 per Policy Year
$8,000 per Policy Year
$8,700 per Policy Year
$8,700 per Policy Year
$9,500 per Policy Year
$9,500 per Policy Year
$13,800 per Policy Year
$13,800 per Policy Year
$6,000 per Policy Year
$6,000 per Policy Year
$8,000 per Policy Year
$8,000 per Policy Year
$8,700 per Policy Year
$8,700 per Policy Year
$10,000 per Policy Year
$10,000 per Policy Year
Full reimbursement of Eligible Expenses
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$4,500 per day, maximum 25 days per Policy Year
$4,500 per day, maximum 25 days per Policy Year
$5,000 per day, maximum 25 days per Policy Year
$5,000 per day, maximum 25 days per Policy Year
$7,000 per day, maximum 25 days per Policy Year
$7,000 per day, maximum 25 days per Policy Year
$8,600 per day, maximum 25 days per Policy Year
$8,600 per day, maximum 25 days per Policy Year
$11,200 per day, maximum 25 days per Policy Year
$11,200 per day, maximum 25 days per Policy Year
$4,500 per day, maximum 90 days per Policy Year
$4,500 per day, maximum 90 days per Policy Year
$5,000 per day, maximum 90 days per Policy Year
$5,000 per day, maximum 90 days per Policy Year
$7,000 per day, maximum 90 days per Policy Year
$7,000 per day, maximum 90 days per Policy Year
$11,000 per day, maximum 120 days per Policy Year
$11,000 per day, maximum 120 days per Policy Year
Full reimbursement of Eligible Expenses
(f) Surgeon's fee
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses regardless of surgical category
Surgeon's fee — Minor
$5,000
$6,000
$6,000
$ 8,400
$ 8,400
$10,500
$10,500
$13,500
$13,500
$17,700
$17,700
$ 6,000
$ 6,000
$ 7,000
$ 7,000
$ 8,500
$ 8,500
$ 12,000
$ 12,000
—
Surgeon's fee — Intermediate
$12,500
$15,500
$15,500
$21,000
$21,000
$26,250
$26,250
$33,750
$33,750
$44,250
$44,250
$15,000
$15,000
$17,500
$17,500
$21,250
$21,250
$ 30,000
$ 30,000
—
Surgeon's fee — Major
$25,000
$30,000
$30,000
$42,000
$42,000
$52,500
$52,500
$67,500
$67,500
$88,500
$88,500
$30,000
$30,000
$35,000
$35,000
$42,500
$42,500
$ 60,000
$ 60,000
—
Surgeon's fee — Complex
$50,000
$65,000
$65,000
$70,000
$70,000
$87,500
$87,500
$112,500
$112,500
$147,500
$147,500
$60,000
$60,000
$70,000
$70,000
$85,000
$85,000
$120,000
$120,000
—
(g) Anaesthetist's fee
35% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
(h) Operating theatre charges
35% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$22,500 per Policy Year. Subject to 30% Coinsurance.
$22,500 per Policy Year. Subject to 30% Coinsurance.
$25,000 per Policy Year. Subject to 30% Coinsurance.
$25,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$35,000 per Policy Year. Subject to 30% Coinsurance.
$35,000 per Policy Year. Subject to 30% Coinsurance.
$40,000 per Policy Year. Subject to 30% Coinsurance.
$40,000 per Policy Year. Subject to 30% Coinsurance.
$22,500 per Policy Year. Subject to 30% Coinsurance.
$22,500 per Policy Year. Subject to 30% Coinsurance.
$25,000 per Policy Year. Subject to 30% Coinsurance.
$25,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$35,000 per Policy Year. Subject to 30% Coinsurance.
$35,000 per Policy Year. Subject to 30% Coinsurance.
Full reimbursement of Eligible Expenses; Coinsurance: 0%
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$82,000 per Policy Year
$82,000 per Policy Year
$96,000 per Policy Year
$96,000 per Policy Year
$110,000 per Policy Year
$110,000 per Policy Year
$124,000 per Policy Year
$124,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$82,000 per Policy Year
$82,000 per Policy Year
$96,000 per Policy Year
$96,000 per Policy Year
$124,000 per Policy Year
$124,000 per Policy Year
Full reimbursement of Eligible Expenses
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$600, per visit, $3,300 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$600, per visit, $3,300 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$900, per visit, $4,950 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$900, per visit, $4,950 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$1,400, per visit, $7,700 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$1,400, per visit, $7,700 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$2,100, per visit, $11,550 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$2,100, per visit, $11,550 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$600, per visit, $3,300 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$600, per visit, $3,300 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$900, per visit, $4,950 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$900, per visit, $4,950 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$1,400, per visit, $7,700 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$1,400, per visit, $7,700 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
Full reimbursement of Eligible ExpensesUp to 1 prior outpatient visits or Emergency consultations per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$34,000 per Policy Year
$34,000 per Policy Year
$45,000 per Policy Year
$45,000 per Policy Year
$60,000 per Policy Year
$60,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$34,000 per Policy Year
$34,000 per Policy Year
$45,000 per Policy Year
$45,000 per Policy Year
$60,000 per Policy Year
$60,000 per Policy Year
$40,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses within 2 weeks of the Accident
Emergency outpatient treatment for Accident
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Inpatient-related
Medical implants / prosthetic devices
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Specified medical devices: Full reimbursement of Eligible Expenses; other medical devices: $100,000 per Policy Year
Organ transplant donor benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
30% of the total organ transplant surgery cost
Complications of pregnancy
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses
Hospital companion bed fee reimbursement
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses
Private nursing fee (during Confinement)
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses, maximum 60 days per Policy Year
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
$80,000 per Policy Year, maximum 60 days per Policy Year
Outpatient kidney dialysis
—
$25,000 per 10-year period
$25,000 per 10-year period
$30,300 per 10-year period
$30,300 per 10-year period
$60,250 per 10-year period
$60,250 per 10-year period
$90,400 per 10-year period
$90,400 per 10-year period
$120,480 per 10-year period
$120,480 per 10-year period
$25,000 per 10-year period
$25,000 per 10-year period
$30,000 per 10-year period
$30,000 per 10-year period
$60,000 per 10-year period
$60,000 per 10-year period
$90,000 per 10-year period
$90,000 per 10-year period
Full reimbursement of Eligible Expenses
Hospice and palliative care benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
$80,000 per Policy Year
Daily post-surgery home nursing benefit
—
$380 per day, maximum 60 days per Policy Year
$380 per day, maximum 60 days per Policy Year
$475 per day, maximum 60 days per Policy Year
$475 per day, maximum 60 days per Policy Year
$620 per day, maximum 60 days per Policy Year
$620 per day, maximum 60 days per Policy Year
$935 per day, maximum 60 days per Policy Year
$935 per day, maximum 60 days per Policy Year
$1,365 per day, maximum 60 days per Policy Year
$1,365 per day, maximum 60 days per Policy Year
$400 per day, maximum 60 days per Policy Year
$400 per day, maximum 60 days per Policy Year
$600 per day, maximum 60 days per Policy Year
$600 per day, maximum 60 days per Policy Year
$900 per day, maximum 60 days per Policy Year
$900 per day, maximum 60 days per Policy Year
$1,800 per day, maximum 60 days per Policy Year
$1,800 per day, maximum 60 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 60 days per Policy Year
Post-Confinement / Day Case Procedure auxiliary therapy
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
$30,000 per Policy Year, up to 1 visit(s) per day combined within 90 days after discharge from Hospital or completion of Day Case ProcedureConsultations and/or treatments by physiotherapist/chiropractor/speech therapist/occupational therapist:
- $1,000 per day
- Maximum 30 days per Policy YearConsultations and treatments by Chinese medicine practitioner, and/or medications prescribed:
- $600 per day
- Maximum 15 days per Policy Year
Cancer-related
Reconstructive surgery for specified conditions
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Per Accident / per mastectomy: $200,000
Cash Benefits Cash
Hospital companion bed cash benefit
—
$300 per day, maximum 180 days per Policy Year
$300 per day, maximum 180 days per Policy Year
$400 per day, maximum 180 days per Policy Year
$400 per day, maximum 180 days per Policy Year
$500 per day, maximum 180 days per Policy Year
$500 per day, maximum 180 days per Policy Year
$630 per day, maximum 180 days per Policy Year
$630 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$400 per day, maximum 180 days per Policy Year
$400 per day, maximum 180 days per Policy Year
$600 per day, maximum 180 days per Policy Year
$600 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
—
Second-claim cash allowance
—
—
—
—
—
—
—
—
—
—
—
$300 per day, maximum 90 days per Policy Year
$300 per day, maximum 90 days per Policy Year
$300 per day, maximum 90 days per Policy Year
$300 per day, maximum 90 days per Policy Year
$600 per day, maximum 90 days per Policy Year
$600 per day, maximum 90 days per Policy Year
$1,200 per day, maximum 90 days per Policy Year
$1,200 per day, maximum 90 days per Policy Year
—
Day surgery cash benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
$1,600 per surgery, maximum 1 surgeries per Policy Year
Lower ward class cash benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
$1,000 per day, maximum 60 days per Policy Year
Event Benefits Event
Medical accident and incident extension benefit
$150,000
$150,000
$150,000
$175,000
$175,000
$200,000
$200,000
$250,000
$250,000
$300,000
$300,000
$150,000
$150,000
$175,000
$175,000
$200,000
$200,000
$250,000
$250,000
—
Accidental Death benefit
—
$8,500 per Policy Year
$8,500 per Policy Year
$12,000 per Policy Year
$12,000 per Policy Year
$18,000 per Policy Year
$18,000 per Policy Year
$22,000 per Policy Year
$22,000 per Policy Year
$34,000 per Policy Year
$34,000 per Policy Year
—
—
—
—
—
—
—
—
—
Compassionate death benefit
—
$5,000
$5,000
$5,000
$5,000
$10,000
$10,000
$15,000
$15,000
$20,000
$20,000
$5,000
$5,000
$5,000
$5,000
$10,000
$10,000
$15,000
$15,000
$80,000
VHIS cert no.
S00025-01-000-02
Coverage region
Worldwide
Ward class
N/A (capped)
Lifetime benefit limit
—
Annual benefit limit
HK$420,000
Per-illness benefit limit
—
SMM Supplemental Major Medical
—
Deductible Options
—
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
(f) Surgeon's fee
—
Surgeon's fee — Minor
$5,000
Surgeon's fee — Intermediate
$12,500
Surgeon's fee — Major
$25,000
Surgeon's fee — Complex
$50,000
(g) Anaesthetist's fee
35% of Surgeon's fee payable
(h) Operating theatre charges
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
$30,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
Emergency outpatient treatment for Accident
—
Inpatient-related
Medical implants / prosthetic devices
—
Organ transplant donor benefit
—
Complications of pregnancy
—
Hospital companion bed fee reimbursement
—
Private nursing fee (during Confinement)
—
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
Outpatient kidney dialysis
—
Hospice and palliative care benefit
—
Daily post-surgery home nursing benefit
—
Post-Confinement / Day Case Procedure auxiliary therapy
—
Cancer-related
Reconstructive surgery for specified conditions
—
Cash Benefits Cash
Hospital companion bed cash benefit
—
Second-claim cash allowanceAfter other pays
—
Day surgery cash benefit
—
Lower ward class cash benefit
—
Event Benefits Event
Medical accident and incident extension benefit
$150,000
Accidental Death benefit
—
Compassionate death benefit
—
Plan 1 / 20
「稅」優惠醫療計劃
TaxVantage Medical Plan
Entry-level PickVer. Jan 1, 2026
- VHIS cert no.
- S00025-01-000-02
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $14,000 per Policy Year
- (c) 主診醫生巡房費
- $750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $4,300 per Policy Year
- (e) 深切治療
- $3,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 外科醫生費 — 複雜
- $50,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- —
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $150,000
- 意外身故賠償
- —
- 恩恤身故賠償
- —
Plan 2 / 20
「稅」安心醫療計劃 - 計劃 X
TaxVantage Plus Medical Plan - Plan X
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00020-05-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$550,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $900 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $14,500 per Policy Year
- (c) 主診醫生巡房費
- $900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $6,000 per Policy Year
- (e) 深切治療
- $4,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $6,000
- 外科醫生費 — 中型
- $15,500
- 外科醫生費 — 大型
- $30,000
- 外科醫生費 — 複雜
- $65,000
- (g) 麻醉科醫生費
- 40% of Surgeon's fee payable
- (h) 手術室費
- 40% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $22,500 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $25,000 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $380 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $300
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $150,000
- 意外身故賠償
- $8,500 per Policy Year
- 恩恤身故賠償
- $5,000
Plan 3 / 20
「稅」安心醫療計劃 - 計劃 XM
TaxVantage Plus Medical Plan - Plan XM
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00020-05-001-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$550,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$100,000 · Annual shared · 20% co-insurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $900 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $14,500 per Policy Year
- (c) 主診醫生巡房費
- $900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $6,000 per Policy Year
- (e) 深切治療
- $4,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $6,000
- 外科醫生費 — 中型
- $15,500
- 外科醫生費 — 大型
- $30,000
- 外科醫生費 — 複雜
- $65,000
- (g) 麻醉科醫生費
- 40% of Surgeon's fee payable
- (h) 手術室費
- 40% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $22,500 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $25,000 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $380 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $300
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $150,000
- 意外身故賠償
- $8,500 per Policy Year
- 恩恤身故賠償
- $5,000
Plan 4 / 20
「稅」安心醫療計劃 - 計劃 1
TaxVantage Plus Medical Plan - Plan 1
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00020-01-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$600,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $15,000 per Policy Year
- (c) 主診醫生巡房費
- $1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $8,000 per Policy Year
- (e) 深切治療
- $5,000 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $ 8,400
- 外科醫生費 — 中型
- $21,000
- 外科醫生費 — 大型
- $42,000
- 外科醫生費 — 複雜
- $70,000
- (g) 麻醉科醫生費
- 40% of Surgeon's fee payable
- (h) 手術室費
- 40% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $25,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $82,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $600, per visit, $3,300 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $34,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $30,300 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $475 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $400
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $175,000
- 意外身故賠償
- $12,000 per Policy Year
- 恩恤身故賠償
- $5,000
Plan 5 / 20
「稅」安心醫療計劃 - 計劃 1M
TaxVantage Plus Medical Plan - Plan 1M
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00020-01-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$600,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$120,000 · Annual shared · 20% co-insurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $15,000 per Policy Year
- (c) 主診醫生巡房費
- $1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $8,000 per Policy Year
- (e) 深切治療
- $5,000 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $ 8,400
- 外科醫生費 — 中型
- $21,000
- 外科醫生費 — 大型
- $42,000
- 外科醫生費 — 複雜
- $70,000
- (g) 麻醉科醫生費
- 40% of Surgeon's fee payable
- (h) 手術室費
- 40% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $25,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $82,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $600, per visit, $3,300 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $34,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $30,300 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $475 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $400
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $175,000
- 意外身故賠償
- $12,000 per Policy Year
- 恩恤身故賠償
- $5,000
Plan 6 / 20
「稅」安心醫療計劃 - 計劃 2
TaxVantage Plus Medical Plan - Plan 2
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00020-02-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$850,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,800 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $18,000 per Policy Year
- (c) 主診醫生巡房費
- $1,800 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $8,700 per Policy Year
- (e) 深切治療
- $7,000 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $10,500
- 外科醫生費 — 中型
- $26,250
- 外科醫生費 — 大型
- $52,500
- 外科醫生費 — 複雜
- $87,500
- (g) 麻醉科醫生費
- 40% of Surgeon's fee payable
- (h) 手術室費
- 40% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $30,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $96,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $900, per visit, $4,950 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $45,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $60,250 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $620 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $500
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $200,000
- 意外身故賠償
- $18,000 per Policy Year
- 恩恤身故賠償
- $10,000
Plan 7 / 20
「稅」安心醫療計劃 - 計劃 2M
TaxVantage Plus Medical Plan - Plan 2M
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00020-02-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$850,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$200,000 · Annual shared · 20% co-insurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,800 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $18,000 per Policy Year
- (c) 主診醫生巡房費
- $1,800 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $8,700 per Policy Year
- (e) 深切治療
- $7,000 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $10,500
- 外科醫生費 — 中型
- $26,250
- 外科醫生費 — 大型
- $52,500
- 外科醫生費 — 複雜
- $87,500
- (g) 麻醉科醫生費
- 40% of Surgeon's fee payable
- (h) 手術室費
- 40% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $30,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $96,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $900, per visit, $4,950 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $45,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $60,250 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $620 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $500
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $200,000
- 意外身故賠償
- $18,000 per Policy Year
- 恩恤身故賠償
- $10,000
Plan 8 / 20
「稅」安心醫療計劃 - 計劃 3
TaxVantage Plus Medical Plan - Plan 3
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00020-03-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,350,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $3,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $23,000 per Policy Year
- (c) 主診醫生巡房費
- $3,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $9,500 per Policy Year
- (e) 深切治療
- $8,600 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $13,500
- 外科醫生費 — 中型
- $33,750
- 外科醫生費 — 大型
- $67,500
- 外科醫生費 — 複雜
- $112,500
- (g) 麻醉科醫生費
- 40% of Surgeon's fee payable
- (h) 手術室費
- 40% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $35,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $110,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,400, per visit, $7,700 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $60,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $90,400 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $935 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $630
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $250,000
- 意外身故賠償
- $22,000 per Policy Year
- 恩恤身故賠償
- $15,000
Plan 9 / 20
「稅」安心醫療計劃 - 計劃 3M
TaxVantage Plus Medical Plan - Plan 3M
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00020-03-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,350,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$400,000 · Annual shared · 20% co-insurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $3,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $23,000 per Policy Year
- (c) 主診醫生巡房費
- $3,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $9,500 per Policy Year
- (e) 深切治療
- $8,600 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $13,500
- 外科醫生費 — 中型
- $33,750
- 外科醫生費 — 大型
- $67,500
- 外科醫生費 — 複雜
- $112,500
- (g) 麻醉科醫生費
- 40% of Surgeon's fee payable
- (h) 手術室費
- 40% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $35,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $110,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,400, per visit, $7,700 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $60,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $90,400 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $935 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $630
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $250,000
- 意外身故賠償
- $22,000 per Policy Year
- 恩恤身故賠償
- $15,000
Plan 10 / 20
「稅」安心醫療計劃 - 計劃 4
TaxVantage Plus Medical Plan - Plan 4
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00020-04-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$2,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $5,050 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $35,000 per Policy Year
- (c) 主診醫生巡房費
- $5,050 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $13,800 per Policy Year
- (e) 深切治療
- $11,200 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $17,700
- 外科醫生費 — 中型
- $44,250
- 外科醫生費 — 大型
- $88,500
- 外科醫生費 — 複雜
- $147,500
- (g) 麻醉科醫生費
- 40% of Surgeon's fee payable
- (h) 手術室費
- 40% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $40,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $124,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $2,100, per visit, $11,550 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $80,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $120,480 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $1,365 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $800
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $300,000
- 意外身故賠償
- $34,000 per Policy Year
- 恩恤身故賠償
- $20,000
Plan 11 / 20
「稅」安心醫療計劃 - 計劃 4M
TaxVantage Plus Medical Plan - Plan 4M
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00020-04-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$2,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$600,000 · Annual shared · 20% co-insurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $5,050 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $35,000 per Policy Year
- (c) 主診醫生巡房費
- $5,050 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $13,800 per Policy Year
- (e) 深切治療
- $11,200 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $17,700
- 外科醫生費 — 中型
- $44,250
- 外科醫生費 — 大型
- $88,500
- 外科醫生費 — 複雜
- $147,500
- (g) 麻醉科醫生費
- 40% of Surgeon's fee payable
- (h) 手術室費
- 40% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $40,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $124,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $2,100, per visit, $11,550 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $80,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $120,480 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $1,365 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $800
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $300,000
- 意外身故賠償
- $34,000 per Policy Year
- 恩恤身故賠償
- $20,000
Plan 12 / 20
「稅」優選醫療計劃 - 計劃 1
TaxVantage PrimeChoice Medical Plan - Plan 1
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00080-01-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$550,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $14,500 per Policy Year
- (c) 主診醫生巡房費
- $900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $6,000 per Policy Year
- (e) 深切治療
- $4,500 per day, maximum 90 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $ 6,000
- 外科醫生費 — 中型
- $15,000
- 外科醫生費 — 大型
- $30,000
- 外科醫生費 — 複雜
- $60,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $22,500 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $25,000 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $400 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $400
- 第二索償現金津貼
- $300
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $150,000
- 意外身故賠償
- —
- 恩恤身故賠償
- $5,000
Plan 13 / 20
「稅」優選醫療計劃 - 計劃 1M
TaxVantage PrimeChoice Medical Plan - Plan 1M
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00080-01-001-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$550,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$100,000 · Annual shared · 20% co-insurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $14,500 per Policy Year
- (c) 主診醫生巡房費
- $900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $6,000 per Policy Year
- (e) 深切治療
- $4,500 per day, maximum 90 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $ 6,000
- 外科醫生費 — 中型
- $15,000
- 外科醫生費 — 大型
- $30,000
- 外科醫生費 — 複雜
- $60,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $22,500 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $25,000 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $400 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $400
- 第二索償現金津貼
- $300
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $150,000
- 意外身故賠償
- —
- 恩恤身故賠償
- $5,000
Plan 14 / 20
「稅」優選醫療計劃 - 計劃 1+
TaxVantage PrimeChoice Medical Plan - Plan 1+
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00080-02-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$600,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,200 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $16,000 per Policy Year
- (c) 主診醫生巡房費
- $1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $8,000 per Policy Year
- (e) 深切治療
- $5,000 per day, maximum 90 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $ 7,000
- 外科醫生費 — 中型
- $17,500
- 外科醫生費 — 大型
- $35,000
- 外科醫生費 — 複雜
- $70,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $25,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $82,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $600, per visit, $3,300 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $34,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $30,000 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $600 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $600
- 第二索償現金津貼
- $300
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $175,000
- 意外身故賠償
- —
- 恩恤身故賠償
- $5,000
Plan 15 / 20
「稅」優選醫療計劃 - 計劃 1M+
TaxVantage PrimeChoice Medical Plan - Plan 1M+
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00080-02-001-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$600,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$120,000 · Annual shared · 20% co-insurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,200 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $16,000 per Policy Year
- (c) 主診醫生巡房費
- $1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $8,000 per Policy Year
- (e) 深切治療
- $5,000 per day, maximum 90 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $ 7,000
- 外科醫生費 — 中型
- $17,500
- 外科醫生費 — 大型
- $35,000
- 外科醫生費 — 複雜
- $70,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $25,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $82,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $600, per visit, $3,300 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $34,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $30,000 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $600 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $600
- 第二索償現金津貼
- $300
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $175,000
- 意外身故賠償
- —
- 恩恤身故賠償
- $5,000
Plan 16 / 20
「稅」優選醫療計劃 - 計劃 2
TaxVantage PrimeChoice Medical Plan - Plan 2
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00080-03-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$850,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $2,200 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $21,000 per Policy Year
- (c) 主診醫生巡房費
- $1,800 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $8,700 per Policy Year
- (e) 深切治療
- $7,000 per day, maximum 90 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $ 8,500
- 外科醫生費 — 中型
- $21,250
- 外科醫生費 — 大型
- $42,500
- 外科醫生費 — 複雜
- $85,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $30,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $96,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $900, per visit, $4,950 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $45,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $60,000 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $900 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $800
- 第二索償現金津貼
- $600
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $200,000
- 意外身故賠償
- —
- 恩恤身故賠償
- $10,000
Plan 17 / 20
「稅」優選醫療計劃 - 計劃 2M
TaxVantage PrimeChoice Medical Plan - Plan 2M
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00080-03-001-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$850,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$200,000 · Annual shared · 20% co-insurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $2,200 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $21,000 per Policy Year
- (c) 主診醫生巡房費
- $1,800 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $8,700 per Policy Year
- (e) 深切治療
- $7,000 per day, maximum 90 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $ 8,500
- 外科醫生費 — 中型
- $21,250
- 外科醫生費 — 大型
- $42,500
- 外科醫生費 — 複雜
- $85,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $30,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $96,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $900, per visit, $4,950 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $45,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $60,000 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $900 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $800
- 第二索償現金津貼
- $600
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $200,000
- 意外身故賠償
- —
- 恩恤身故賠償
- $10,000
Plan 18 / 20
「稅」優選醫療計劃 - 計劃 3
TaxVantage PrimeChoice Medical Plan - Plan 3
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00080-04-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$2,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $35,000 per Policy Year
- (c) 主診醫生巡房費
- $3,700 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $10,000 per Policy Year
- (e) 深切治療
- $11,000 per day, maximum 120 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $ 12,000
- 外科醫生費 — 中型
- $ 30,000
- 外科醫生費 — 大型
- $ 60,000
- 外科醫生費 — 複雜
- $120,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $35,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $124,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,400, per visit, $7,700 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $60,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $90,000 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $1,800 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $1,000
- 第二索償現金津貼
- $1,200
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $250,000
- 意外身故賠償
- —
- 恩恤身故賠償
- $15,000
Plan 19 / 20
「稅」優選醫療計劃 - 計劃 3M
TaxVantage PrimeChoice Medical Plan - Plan 3M
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00080-04-001-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$2,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$400,000 · Annual shared · 20% co-insurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $35,000 per Policy Year
- (c) 主診醫生巡房費
- $3,700 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $10,000 per Policy Year
- (e) 深切治療
- $11,000 per day, maximum 120 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $ 12,000
- 外科醫生費 — 中型
- $ 30,000
- 外科醫生費 — 大型
- $ 60,000
- 外科醫生費 — 複雜
- $120,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $35,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $124,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,400, per visit, $7,700 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $60,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $90,000 per 10-year period
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $1,800 per day, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- $1,000
- 第二索償現金津貼
- $1,200
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 醫療意外事故保障
- $250,000
- 意外身故賠償
- —
- 恩恤身故賠償
- $15,000
Plan 20 / 20
「稅」卓越醫療計劃
TaxVantage Prestige Medical Plan
High-endVer. Jan 1, 2026
- VHIS cert no.
- F00065-01-000-02F00065-02-000-02F00065-03-000-02F00065-04-000-02
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$12,000,000
- Lifetime benefit limit
- HK$60,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $15K / $30K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II)(g) Medical Devices)
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement of Eligible Expenses regardless of surgical category
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • Up to 1 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $40,000
Extra Benefits Extra
- 指定重建手術保障
- $200,000
- 復康保障
- $80,000 per Policy Year, maximum 60 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified medical devices: Full reimbursement of Eligible Expenses; other medical devices: $100,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant surgery cost
- 懷孕併發症
- Full reimbursement
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 2 weeks of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 60 days per Policy Year
- 善終服務
- $80,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 60 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- $30,000 per Policy Year, up to 1 visit(s) per day combined within 90 days after discharge from Hospital or completion of Day Case ProcedureConsultations and/or treatments by physiotherapist/chiropractor/speech therapist/occupational therapist: - $1,000 per day - Maximum 30 days per Policy YearConsultations and treatments by Chinese medicine practitioner, and/or medications prescribed: - $600 per day - Maximum 15 days per Policy Year
Cash Benefits Cash
- 住院陪床
- —
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,600
- 次級病房級別現金惠益
- $1,000
Event Benefits Event
- 醫療意外事故保障
- —
- 意外身故賠償
- —
- 恩恤身故賠償
- $80,000