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YF Life — same-insurer plan comparison

YF Life Insurance International Limited · 20 plan series · 23 variants

YF Life Insurance International Limited offers 23 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 22 Flexi), covering Worldwide and Asia incl. AU/NZ, across Ward, Semi-Private Room, Standard Private Room and N/A (capped) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.

Data version: Jan 1, 2026

Display optionsMerge deductible variants

項目

TaxVantage Medical Plan

TaxVantage Plus Medical Plan - Plan X

TaxVantage Plus Medical Plan - Plan XM

TaxVantage Plus Medical Plan - Plan 1

TaxVantage Plus Medical Plan - Plan 1M

TaxVantage Plus Medical Plan - Plan 2

TaxVantage Plus Medical Plan - Plan 2M

TaxVantage Plus Medical Plan - Plan 3

TaxVantage Plus Medical Plan - Plan 3M

TaxVantage Plus Medical Plan - Plan 4

TaxVantage Plus Medical Plan - Plan 4M

TaxVantage PrimeChoice Medical Plan - Plan 1

TaxVantage PrimeChoice Medical Plan - Plan 1M

TaxVantage PrimeChoice Medical Plan - Plan 1+

TaxVantage PrimeChoice Medical Plan - Plan 1M+

TaxVantage PrimeChoice Medical Plan - Plan 2

TaxVantage PrimeChoice Medical Plan - Plan 2M

TaxVantage PrimeChoice Medical Plan - Plan 3

TaxVantage PrimeChoice Medical Plan - Plan 3M

TaxVantage Prestige Medical Plan - HKD0 Deductible

Highlights

VHIS cert no.

S00025-01-000-02Benefits PDFPremiums PDF

F00020-05-000-01Benefits PDFPremiums PDF

F00020-05-001-01Benefits PDFPremiums PDF

F00020-01-000-03Benefits PDFPremiums PDF

F00020-01-001-03Benefits PDFPremiums PDF

F00020-02-000-03Benefits PDFPremiums PDF

F00020-02-001-03Benefits PDFPremiums PDF

F00020-03-000-03Benefits PDFPremiums PDF

F00020-03-001-03Benefits PDFPremiums PDF

F00020-04-000-03Benefits PDFPremiums PDF

F00020-04-001-03Benefits PDFPremiums PDF

F00080-01-000-01Benefits PDFPremiums PDF

F00080-01-001-01Benefits PDFPremiums PDF

F00080-02-000-01Benefits PDFPremiums PDF

F00080-02-001-01Benefits PDFPremiums PDF

F00080-03-000-01Benefits PDFPremiums PDF

F00080-03-001-01Benefits PDFPremiums PDF

F00080-04-000-01Benefits PDFPremiums PDF

F00080-04-001-01Benefits PDFPremiums PDF

F00065-01-000-02Benefits PDFPremiums PDF

F00065-02-000-02Benefits PDFPremiums PDF

F00065-03-000-02Benefits PDFPremiums PDF

F00065-04-000-02Benefits PDFPremiums PDF

Plan type

Standard

Flexi

Coverage region

Worldwide

Asia incl. AU/NZ

Ward

N/A (capped)

Ward

Semi-Private Room

Standard Private Room

Ward

Semi-Private Room

Standard Private Room

Semi-Private Room（HK / AU & NZ / outside Asia emergencies） Standard Private Room（Rest of Asia / AU & NZ）

Lifetime limit

—

Annual limit

Per illness

—

SMM top-up

—

No-Claim Bonus

—

5% × 3 yrs 10% × 4 yrs 15% × 5 yrs+

Deductible

—

Deductible reduction at specified ages

Not applicable

Zero deductible selected

Version

Jan 1, 2026

Basic Benefits Basic

(a) Room and board

HK$750 per day, maximum 180 days per Policy Year

HK$900 per day, maximum 180 days per Policy Year

HK$1,000 per day, maximum 180 days per Policy Year

HK$1,800 per day, maximum 180 days per Policy Year

HK$3,000 per day, maximum 180 days per Policy Year

HK$5,050 per day, maximum 180 days per Policy Year

HK$1,000 per day, maximum 180 days per Policy Year

HK$1,200 per day, maximum 180 days per Policy Year

HK$2,200 per day, maximum 180 days per Policy Year

HK$4,000 per day, maximum 180 days per Policy Year

Full reimbursementR&C

(b) Miscellaneous charges

HK$14,000 per Policy Year

HK$14,500 per Policy Year

HK$15,000 per Policy Year

HK$18,000 per Policy Year

HK$23,000 per Policy Year

HK$35,000 per Policy Year

HK$14,500 per Policy Year

HK$16,000 per Policy Year

HK$21,000 per Policy Year

HK$35,000 per Policy Year

Full reimbursementR&C

HK$750 per day, maximum 180 days per Policy Year

HK$900 per day, maximum 180 days per Policy Year

HK$1,000 per day, maximum 180 days per Policy Year

HK$1,800 per day, maximum 180 days per Policy Year

HK$3,000 per day, maximum 180 days per Policy Year

HK$5,050 per day, maximum 180 days per Policy Year

HK$900 per day, maximum 180 days per Policy Year

HK$1,000 per day, maximum 180 days per Policy Year

HK$1,800 per day, maximum 180 days per Policy Year

HK$3,700 per day, maximum 180 days per Policy Year

Full reimbursementR&C

(d) Specialist's fee

HK$4,300 per Policy Year

HK$6,000 per Policy Year

HK$8,000 per Policy Year

HK$8,700 per Policy Year

HK$9,500 per Policy Year

HK$13,800 per Policy Year

HK$6,000 per Policy Year

HK$8,000 per Policy Year

HK$8,700 per Policy Year

HK$10,000 per Policy Year

Full reimbursementR&C

(e) Intensive care

HK$3,500 per day, maximum 25 days per Policy Year

HK$4,500 per day, maximum 25 days per Policy Year

HK$5,000 per day, maximum 25 days per Policy Year

HK$7,000 per day, maximum 25 days per Policy Year

HK$8,600 per day, maximum 25 days per Policy Year

HK$11,200 per day, maximum 25 days per Policy Year

HK$4,500 per day, maximum 90 days per Policy Year

HK$5,000 per day, maximum 90 days per Policy Year

HK$7,000 per day, maximum 90 days per Policy Year

HK$11,000 per day, maximum 120 days per Policy Year

Full reimbursementR&C

(f) Surgeon's fee

—

Full reimbursementR&C

Surgeon's fee — Minor

HK$5,000

HK$6,000

HK$ 8,400

HK$10,500

HK$13,500

HK$17,700

HK$ 6,000

HK$ 7,000

HK$ 8,500

HK$ 12,000

—

Surgeon's fee — Intermediate

HK$12,500

HK$15,500

HK$21,000

HK$26,250

HK$33,750

HK$44,250

HK$15,000

HK$17,500

HK$21,250

HK$ 30,000

—

Surgeon's fee — Major

HK$25,000

HK$30,000

HK$42,000

HK$52,500

HK$67,500

HK$88,500

HK$30,000

HK$35,000

HK$42,500

HK$ 60,000

—

Surgeon's fee — Complex

HK$50,000

HK$65,000

HK$70,000

HK$87,500

HK$112,500

HK$147,500

HK$60,000

HK$70,000

HK$85,000

HK$120,000

—

(g) Anaesthetist's fee

35% of Surgeon's fee payable

40% of Surgeon's fee payable

35% of Surgeon's fee payable

Full reimbursementR&C

(h) Operating theatre charges

35% of Surgeon's fee payable

40% of Surgeon's fee payable

35% of Surgeon's fee payable

Full reimbursementR&C

(i) Prescribed Diagnostic Imaging Tests

HK$20,000 per Policy YearSubject to 30% Coinsurance.

HK$22,500 per Policy YearSubject to 30% Coinsurance.

HK$25,000 per Policy YearSubject to 30% Coinsurance.

HK$30,000 per Policy YearSubject to 30% Coinsurance.

HK$35,000 per Policy YearSubject to 30% Coinsurance.

HK$40,000 per Policy YearSubject to 30% Coinsurance.

HK$22,500 per Policy YearSubject to 30% Coinsurance.

HK$25,000 per Policy YearSubject to 30% Coinsurance.

HK$30,000 per Policy YearSubject to 30% Coinsurance.

HK$35,000 per Policy YearSubject to 30% Coinsurance.

Full reimbursementCoinsurance: 0%R&C

(j) Prescribed Non-surgical Cancer Treatments

HK$80,000 per Policy Year

HK$82,000 per Policy Year

HK$96,000 per Policy Year

HK$110,000 per Policy Year

HK$124,000 per Policy Year

HK$80,000 per Policy Year

HK$82,000 per Policy Year

HK$96,000 per Policy Year

HK$124,000 per Policy Year

Full reimbursementR&C

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

HK$580, per visit, HK$3,000 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

HK$600, per visit, HK$3,300 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

HK$900, per visit, HK$4,950 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

HK$1,400, per visit, HK$7,700 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

HK$2,100, per visit, HK$11,550 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

HK$580, per visit, HK$3,000 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

HK$600, per visit, HK$3,300 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

HK$900, per visit, HK$4,950 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

HK$1,400, per visit, HK$7,700 per Policy YearUp 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 reimbursementUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C

(l) Psychiatric treatments

HK$30,000 per Policy Year

HK$34,000 per Policy Year

HK$45,000 per Policy Year

HK$60,000 per Policy Year

HK$80,000 per Policy Year

HK$30,000 per Policy Year

HK$34,000 per Policy Year

HK$45,000 per Policy Year

HK$60,000 per Policy Year

HK$40,000 per Policy Year

Extra Benefits Extra

Accident-related

Emergency dental benefit (Accident only)

—

Full reimbursementof Eligible Expenses within 2 weeks of the AccidentR&C

Emergency outpatient treatment for Accident

—

Full reimbursementof Eligible Expenses within 24 hours of the AccidentR&C

Inpatient-related

Medical implants / prosthetic devices

—

Full reimbursementother medical devices: HK$100,000 per Policy YearR&C

Organ transplant donor benefit

—

30% of the total organ transplant surgery cost

Complications of pregnancy

—

Full reimbursementR&C

Hospital companion bed fee reimbursement

—

Full reimbursementR&C

Private nursing fee (during Confinement)

—

Full reimbursementof Eligible Expenses, maximum 60 days per Policy YearR&C

Outpatient-related

Rehabilitation benefit

—

HK$80,000 per Policy Year, maximum 60 days per Policy Year

Outpatient kidney dialysis

—

HK$25,000 per 10-year period

HK$30,300 per 10-year period

HK$60,250 per 10-year period

HK$90,400 per 10-year period

HK$120,480 per 10-year period

HK$25,000 per 10-year period

HK$30,000 per 10-year period

HK$60,000 per 10-year period

HK$90,000 per 10-year period

Full reimbursementR&C

Hospice and palliative care benefit

—

HK$80,000 per Policy Year

Home nursing

—

HK$380 per day, maximum 60 days per Policy Year

HK$475 per day, maximum 60 days per Policy Year

HK$620 per day, maximum 60 days per Policy Year

HK$935 per day, maximum 60 days per Policy Year

HK$1,365 per day, maximum 60 days per Policy Year

HK$400 per day, maximum 60 days per Policy Year

HK$600 per day, maximum 60 days per Policy Year

HK$900 per day, maximum 60 days per Policy Year

HK$1,800 per day, maximum 60 days per Policy Year

Full reimbursementof Eligible Expenses, maximum 60 days per Policy YearR&C

Post-Confinement / Day Case Procedure auxiliary therapy

—

HK$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 Procedure- HK$1,000 per day- Maximum 30 days per Policy Year- HK$600 per day- Maximum 15 days per Policy Year

Cancer-related

Reconstructive surgery for specified conditions

—

Per Accident / per mastectomy: HK$200,000

Cash Benefits Cash

Hospital companion bed cash benefit

—

HK$300 per day, maximum 180 days per Policy Year

HK$400 per day, maximum 180 days per Policy Year

HK$500 per day, maximum 180 days per Policy Year

HK$630 per day, maximum 180 days per Policy Year

HK$800 per day, maximum 180 days per Policy Year

HK$400 per day, maximum 180 days per Policy Year

HK$600 per day, maximum 180 days per Policy Year

HK$800 per day, maximum 180 days per Policy Year

HK$1,000 per day, maximum 180 days per Policy Year

—

Second-claim cash allowance

—

HK$300 per day, maximum 90 days per Policy Year

HK$600 per day, maximum 90 days per Policy Year

HK$1,200 per day, maximum 90 days per Policy Year

—

Day surgery cash benefit

—

HK$1,600 per surgery, maximum 1 surgeries per Policy Year

Lower ward class cash benefit

—

HK$1,000 per day, maximum 60 days per Policy Year

Event Benefits Event

Medical accident and incident extension benefit

HK$150,000

HK$175,000

HK$200,000

HK$250,000

HK$300,000

HK$150,000

HK$175,000

HK$200,000

HK$250,000

—

Accidental Death benefit

—

HK$8,500 per Policy Year

HK$12,000 per Policy Year

HK$18,000 per Policy Year

HK$22,000 per Policy Year

HK$34,000 per Policy Year

—

Compassionate death benefit

—

HK$5,000

HK$10,000

HK$15,000

HK$20,000

HK$5,000

HK$10,000

HK$15,000

HK$80,000

Plan name

TaxVantage Medical Plan

「稅」優惠醫療計劃

Standard Plan

Ver. Jan 1, 2026

VHIS cert no.

S00025-01-000-02Benefits PDFPremiums PDF

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

—

No-Claim Bonus

—

Deductible Options

—

Deductible reduction at specified ages

Not applicable

Basic Benefits Basic

(a) Room and board

HK$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

HK$14,000 per Policy Year

HK$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

HK$4,300 per Policy Year

(e) Intensive care

HK$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee

—

Surgeon's fee — Minor

HK$5,000

Surgeon's fee — Intermediate

HK$12,500

Surgeon's fee — Major

HK$25,000

Surgeon's fee — Complex

HK$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

HK$20,000 per Policy YearSubject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

HK$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

HK$580, per visit, HK$3,000 per Policy YearUp 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

HK$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

Rehabilitation benefit

—

Outpatient kidney dialysis

—

Hospice and palliative care benefit

—

Home nursing

—

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

HK$150,000

Accidental Death benefit

—

Compassionate death benefit

—

Plan name

TaxVantage Medical Plan

「稅」優惠醫療計劃

Standard Plan

Ver. Jan 1, 2026

Plan 1 / 20

「稅」優惠醫療計劃

TaxVantage Medical Plan

Standard PlanVer. 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: HK$750 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$14,000 per Policy Year
(c) 主診醫生巡房費: HK$750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$4,300 per Policy Year
(e) 深切治療: HK$3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$5,000
　　外科醫生費 — 中型: HK$12,500
　　外科醫生費 — 大型: HK$25,000
　　外科醫生費 — 複雜: HK$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: HK$20,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$580, per visit, HK$3,000 per Policy Year 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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$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

Itemised LimitsVer. 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: HK$900 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$14,500 per Policy Year
(c) 主診醫生巡房費: HK$900 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$6,000 per Policy Year
(e) 深切治療: HK$4,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$6,000
　　外科醫生費 — 中型: HK$15,500
　　外科醫生費 — 大型: HK$30,000
　　外科醫生費 — 複雜: HK$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: HK$22,500 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$580, per visit, HK$3,000 per Policy Year 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: HK$30,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$150,000
意外身故賠償: HK$8,500 per Policy Year
恩恤身故賠償: HK$5,000

Plan 3 / 20

「稅」安心醫療計劃 - 計劃 XM

TaxVantage Plus Medical Plan - Plan XM

Itemised LimitsVer. 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／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$900 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$14,500 per Policy Year
(c) 主診醫生巡房費: HK$900 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$6,000 per Policy Year
(e) 深切治療: HK$4,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$6,000
　　外科醫生費 — 中型: HK$15,500
　　外科醫生費 — 大型: HK$30,000
　　外科醫生費 — 複雜: HK$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: HK$22,500 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$580, per visit, HK$3,000 per Policy Year 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: HK$30,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$150,000
意外身故賠償: HK$8,500 per Policy Year
恩恤身故賠償: HK$5,000

Plan 4 / 20

「稅」安心醫療計劃 - 計劃 1

TaxVantage Plus Medical Plan - Plan 1

Itemised LimitsVer. 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: HK$1,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$15,000 per Policy Year
(c) 主診醫生巡房費: HK$1,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$8,000 per Policy Year
(e) 深切治療: HK$5,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$ 8,400
　　外科醫生費 — 中型: HK$21,000
　　外科醫生費 — 大型: HK$42,000
　　外科醫生費 — 複雜: HK$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: HK$25,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$82,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$600, per visit, HK$3,300 per Policy Year 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: HK$34,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$175,000
意外身故賠償: HK$12,000 per Policy Year
恩恤身故賠償: HK$5,000

Plan 5 / 20

「稅」安心醫療計劃 - 計劃 1M

TaxVantage Plus Medical Plan - Plan 1M

Itemised LimitsVer. 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／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$1,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$15,000 per Policy Year
(c) 主診醫生巡房費: HK$1,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$8,000 per Policy Year
(e) 深切治療: HK$5,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$ 8,400
　　外科醫生費 — 中型: HK$21,000
　　外科醫生費 — 大型: HK$42,000
　　外科醫生費 — 複雜: HK$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: HK$25,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$82,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$600, per visit, HK$3,300 per Policy Year 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: HK$34,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$175,000
意外身故賠償: HK$12,000 per Policy Year
恩恤身故賠償: HK$5,000

Plan 6 / 20

「稅」安心醫療計劃 - 計劃 2

TaxVantage Plus Medical Plan - Plan 2

Itemised LimitsVer. 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: HK$1,800 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$18,000 per Policy Year
(c) 主診醫生巡房費: HK$1,800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$8,700 per Policy Year
(e) 深切治療: HK$7,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$10,500
　　外科醫生費 — 中型: HK$26,250
　　外科醫生費 — 大型: HK$52,500
　　外科醫生費 — 複雜: HK$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: HK$30,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$96,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$900, per visit, HK$4,950 per Policy Year 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: HK$45,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$200,000
意外身故賠償: HK$18,000 per Policy Year
恩恤身故賠償: HK$10,000

Plan 7 / 20

「稅」安心醫療計劃 - 計劃 2M

TaxVantage Plus Medical Plan - Plan 2M

Itemised LimitsVer. 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／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$1,800 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$18,000 per Policy Year
(c) 主診醫生巡房費: HK$1,800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$8,700 per Policy Year
(e) 深切治療: HK$7,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$10,500
　　外科醫生費 — 中型: HK$26,250
　　外科醫生費 — 大型: HK$52,500
　　外科醫生費 — 複雜: HK$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: HK$30,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$96,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$900, per visit, HK$4,950 per Policy Year 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: HK$45,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$200,000
意外身故賠償: HK$18,000 per Policy Year
恩恤身故賠償: HK$10,000

Plan 8 / 20

「稅」安心醫療計劃 - 計劃 3

TaxVantage Plus Medical Plan - Plan 3

Itemised LimitsVer. 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: HK$3,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$23,000 per Policy Year
(c) 主診醫生巡房費: HK$3,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$9,500 per Policy Year
(e) 深切治療: HK$8,600 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$13,500
　　外科醫生費 — 中型: HK$33,750
　　外科醫生費 — 大型: HK$67,500
　　外科醫生費 — 複雜: HK$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: HK$35,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$110,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$1,400, per visit, HK$7,700 per Policy Year 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: HK$60,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$250,000
意外身故賠償: HK$22,000 per Policy Year
恩恤身故賠償: HK$15,000

Plan 9 / 20

「稅」安心醫療計劃 - 計劃 3M

TaxVantage Plus Medical Plan - Plan 3M

Itemised LimitsVer. 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／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$3,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$23,000 per Policy Year
(c) 主診醫生巡房費: HK$3,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$9,500 per Policy Year
(e) 深切治療: HK$8,600 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$13,500
　　外科醫生費 — 中型: HK$33,750
　　外科醫生費 — 大型: HK$67,500
　　外科醫生費 — 複雜: HK$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: HK$35,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$110,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$1,400, per visit, HK$7,700 per Policy Year 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: HK$60,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$250,000
意外身故賠償: HK$22,000 per Policy Year
恩恤身故賠償: HK$15,000

Plan 10 / 20

「稅」安心醫療計劃 - 計劃 4

TaxVantage Plus Medical Plan - Plan 4

Itemised LimitsVer. 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: HK$5,050 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$35,000 per Policy Year
(c) 主診醫生巡房費: HK$5,050 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$13,800 per Policy Year
(e) 深切治療: HK$11,200 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$17,700
　　外科醫生費 — 中型: HK$44,250
　　外科醫生費 — 大型: HK$88,500
　　外科醫生費 — 複雜: HK$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: HK$40,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$124,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$2,100, per visit, HK$11,550 per Policy Year 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: HK$80,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$300,000
意外身故賠償: HK$34,000 per Policy Year
恩恤身故賠償: HK$20,000

Plan 11 / 20

「稅」安心醫療計劃 - 計劃 4M

TaxVantage Plus Medical Plan - Plan 4M

Itemised LimitsVer. 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／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$5,050 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$35,000 per Policy Year
(c) 主診醫生巡房費: HK$5,050 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$13,800 per Policy Year
(e) 深切治療: HK$11,200 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$17,700
　　外科醫生費 — 中型: HK$44,250
　　外科醫生費 — 大型: HK$88,500
　　外科醫生費 — 複雜: HK$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: HK$40,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$124,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$2,100, per visit, HK$11,550 per Policy Year 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: HK$80,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$300,000
意外身故賠償: HK$34,000 per Policy Year
恩恤身故賠償: HK$20,000

Plan 12 / 20

「稅」優選醫療計劃 - 計劃 1

TaxVantage PrimeChoice Medical Plan - Plan 1

Itemised LimitsVer. 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: HK$1,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$14,500 per Policy Year
(c) 主診醫生巡房費: HK$900 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$6,000 per Policy Year
(e) 深切治療: HK$4,500 per day, maximum 90 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$ 6,000
　　外科醫生費 — 中型: HK$15,000
　　外科醫生費 — 大型: HK$30,000
　　外科醫生費 — 複雜: HK$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: HK$22,500 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$580, per visit, HK$3,000 per Policy Year 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: HK$30,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$150,000
意外身故賠償: —
恩恤身故賠償: HK$5,000

Plan 13 / 20

「稅」優選醫療計劃 - 計劃 1M

TaxVantage PrimeChoice Medical Plan - Plan 1M

Itemised LimitsVer. 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／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$1,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$14,500 per Policy Year
(c) 主診醫生巡房費: HK$900 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$6,000 per Policy Year
(e) 深切治療: HK$4,500 per day, maximum 90 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$ 6,000
　　外科醫生費 — 中型: HK$15,000
　　外科醫生費 — 大型: HK$30,000
　　外科醫生費 — 複雜: HK$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: HK$22,500 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$580, per visit, HK$3,000 per Policy Year 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: HK$30,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$150,000
意外身故賠償: —
恩恤身故賠償: HK$5,000

Plan 14 / 20

「稅」優選醫療計劃 - 計劃 1+

TaxVantage PrimeChoice Medical Plan - Plan 1+

Itemised LimitsVer. 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: HK$1,200 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$16,000 per Policy Year
(c) 主診醫生巡房費: HK$1,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$8,000 per Policy Year
(e) 深切治療: HK$5,000 per day, maximum 90 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$ 7,000
　　外科醫生費 — 中型: HK$17,500
　　外科醫生費 — 大型: HK$35,000
　　外科醫生費 — 複雜: HK$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: HK$25,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$82,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$600, per visit, HK$3,300 per Policy Year 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: HK$34,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$175,000
意外身故賠償: —
恩恤身故賠償: HK$5,000

Plan 15 / 20

「稅」優選醫療計劃 - 計劃 1M+

TaxVantage PrimeChoice Medical Plan - Plan 1M+

Itemised LimitsVer. 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／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$1,200 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$16,000 per Policy Year
(c) 主診醫生巡房費: HK$1,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$8,000 per Policy Year
(e) 深切治療: HK$5,000 per day, maximum 90 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$ 7,000
　　外科醫生費 — 中型: HK$17,500
　　外科醫生費 — 大型: HK$35,000
　　外科醫生費 — 複雜: HK$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: HK$25,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$82,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$600, per visit, HK$3,300 per Policy Year 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: HK$34,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$175,000
意外身故賠償: —
恩恤身故賠償: HK$5,000

Plan 16 / 20

「稅」優選醫療計劃 - 計劃 2

TaxVantage PrimeChoice Medical Plan - Plan 2

Itemised LimitsVer. 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: HK$2,200 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$21,000 per Policy Year
(c) 主診醫生巡房費: HK$1,800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$8,700 per Policy Year
(e) 深切治療: HK$7,000 per day, maximum 90 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$ 8,500
　　外科醫生費 — 中型: HK$21,250
　　外科醫生費 — 大型: HK$42,500
　　外科醫生費 — 複雜: HK$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: HK$30,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$96,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$900, per visit, HK$4,950 per Policy Year 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: HK$45,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$200,000
意外身故賠償: —
恩恤身故賠償: HK$10,000

Plan 17 / 20

「稅」優選醫療計劃 - 計劃 2M

TaxVantage PrimeChoice Medical Plan - Plan 2M

Itemised LimitsVer. 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／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$2,200 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$21,000 per Policy Year
(c) 主診醫生巡房費: HK$1,800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$8,700 per Policy Year
(e) 深切治療: HK$7,000 per day, maximum 90 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$ 8,500
　　外科醫生費 — 中型: HK$21,250
　　外科醫生費 — 大型: HK$42,500
　　外科醫生費 — 複雜: HK$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: HK$30,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$96,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$900, per visit, HK$4,950 per Policy Year 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: HK$45,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$200,000
意外身故賠償: —
恩恤身故賠償: HK$10,000

Plan 18 / 20

「稅」優選醫療計劃 - 計劃 3

TaxVantage PrimeChoice Medical Plan - Plan 3

Itemised LimitsVer. 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: HK$4,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$35,000 per Policy Year
(c) 主診醫生巡房費: HK$3,700 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$10,000 per Policy Year
(e) 深切治療: HK$11,000 per day, maximum 120 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$ 12,000
　　外科醫生費 — 中型: HK$ 30,000
　　外科醫生費 — 大型: HK$ 60,000
　　外科醫生費 — 複雜: HK$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: HK$35,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$124,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$1,400, per visit, HK$7,700 per Policy Year 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: HK$60,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$250,000
意外身故賠償: —
恩恤身故賠償: HK$15,000

Plan 19 / 20

「稅」優選醫療計劃 - 計劃 3M

TaxVantage PrimeChoice Medical Plan - Plan 3M

Itemised LimitsVer. 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／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$4,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: HK$35,000 per Policy Year
(c) 主診醫生巡房費: HK$3,700 per day, maximum 180 days per Policy Year
(d) 專科醫生費: HK$10,000 per Policy Year
(e) 深切治療: HK$11,000 per day, maximum 120 days per Policy Year
(f) 外科醫生費: —
　　外科醫生費 — 小型: HK$ 12,000
　　外科醫生費 — 中型: HK$ 30,000
　　外科醫生費 — 大型: HK$ 60,000
　　外科醫生費 — 複雜: HK$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: HK$35,000 per Policy YearSubject to 30% Coinsurance.
(j) 訂明非手術癌症治療: HK$124,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: HK$1,400, per visit, HK$7,700 per Policy Year 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: HK$60,000 per Policy Year

Extra Benefits Extra

指定重建手術保障: —
復康保障: —
門診洗腎: HK$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: HK$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: —
較低級別病房現金保障: —

Event Benefits Event

醫療意外事故保障: HK$250,000
意外身故賠償: —
恩恤身故賠償: HK$15,000

Plan 20 / 20

「稅」卓越醫療計劃

TaxVantage Prestige Medical Plan

High-limitVer. 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
(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
　　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 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: HK$80,000 per Policy Year, maximum 60 days per Policy Year
門診洗腎: Full reimbursement
醫療植入裝置: Full reimbursementother medical devices: HK$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 reimbursementof Eligible Expenses within 2 weeks of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses within 24 hours of the Accident
住院陪床: Full reimbursement
私家看護費 (住院期間): Full reimbursementof Eligible Expenses, maximum 60 days per Policy Year
善終服務: $80,000
家中看護: Full reimbursementof 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: HK$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 Procedure- HK$1,000 per day- Maximum 30 days per Policy Year- HK$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
較低級別病房現金保障: $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