TaxVantage Plus Medical Plan - Plan 1M

「稅」安心醫療計劃 - 計劃 1M

YF Life Insurance International Limited

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Your premium

HK$4,976 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$600,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$120,000

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$1,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$15,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$8,000 per Policy Year
(e) Intensive care (e) 深切治療	$5,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 8,400
Surgeon's fee — Intermediate 外科醫生費 — 中型	$21,000
Surgeon's fee — Major 外科醫生費 — 大型	$42,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$70,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	40% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	40% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$82,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (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 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
(l) Psychiatric treatments (l) 精神科治療	$34,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 家中看護津貼	$475 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis 洗腎保障	$30,300 per 10-year period
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$400 per day, maximum 180 days per Policy Year
Event Benefits
Accidental Death benefit 意外的額外津貼	$12,000 per Policy Year
Compassionate death benefit 身故保障	$5,000
Medical accident and incident extension benefit 醫療意外事故保障	$175,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$15,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$8,000 per Policy Year
(e) Intensive care
(e) 深切治療
$5,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 8,400
Surgeon's fee — Intermediate
外科醫生費 — 中型
$21,000
Surgeon's fee — Major
外科醫生費 — 大型
$42,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$70,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
40% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
40% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$82,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(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 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
(l) Psychiatric treatments
(l) 精神科治療
$34,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
家中看護津貼
$475 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis
洗腎保障
$30,300 per 10-year period

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$400 per day, maximum 180 days per Policy Year

Event Benefits

Accidental Death benefit
意外的額外津貼
$12,000 per Policy Year
Compassionate death benefit
身故保障
$5,000
Medical accident and incident extension benefit
醫療意外事故保障
$175,000

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$4,207	HK$4,462
1	HK$4,207	HK$4,462
2	HK$4,207	HK$4,462
3	HK$4,207	HK$4,462
4	HK$4,207	HK$4,462
5	HK$4,207	HK$4,462
6	HK$4,207	HK$4,462
7	HK$4,207	HK$4,462
8	HK$4,207	HK$4,462
9	HK$4,207	HK$4,462
10	HK$4,207	HK$4,462
11	HK$4,207	HK$4,462
12	HK$4,207	HK$4,462
13	HK$4,207	HK$4,462
14	HK$4,207	HK$4,462
15	HK$4,207	HK$4,462
16	HK$4,207	HK$4,462
17	HK$4,207	HK$4,462
18	HK$4,252	HK$5,227
19	HK$4,301	HK$5,413
20	HK$4,352	HK$5,547
21	HK$4,404	HK$5,910
22	HK$4,459	HK$6,209
23	HK$4,516	HK$6,450
24	HK$4,574	HK$6,752
25	HK$4,632	HK$7,014
26	HK$4,691	HK$7,217
27	HK$4,750	HK$7,485
28	HK$4,815	HK$7,749
29	HK$4,889	HK$8,012
30	HK$4,976	HK$8,275
31	HK$5,125	HK$8,541
32	HK$5,271	HK$8,807
33	HK$5,422	HK$9,104
34	HK$5,547	HK$9,427
35	HK$5,709	HK$9,772
36	HK$5,760	HK$10,135
37	HK$5,910	HK$10,534
38	HK$6,136	HK$11,027
39	HK$6,408	HK$11,483
40	HK$6,748	HK$11,955
41	HK$7,186	HK$12,354
42	HK$7,659	HK$12,864
43	HK$8,178	HK$13,388
44	HK$8,677	HK$14,077
45	HK$9,015	HK$14,778
46	HK$9,618	HK$15,555
47	HK$10,250	HK$16,194
48	HK$10,851	HK$16,819
49	HK$11,433	HK$17,458
50	HK$11,857	HK$18,087
51	HK$12,586	HK$18,678
52	HK$13,199	HK$19,260
53	HK$13,815	HK$19,841
54	HK$14,438	HK$20,416
55	HK$15,069	HK$20,989
56	HK$15,718	HK$21,577
57	HK$16,404	HK$22,174
58	HK$17,124	HK$22,832
59	HK$17,865	HK$23,488
60	HK$18,633	HK$24,138
61	HK$19,417	HK$24,799
62	HK$20,203	HK$25,486
63	HK$21,021	HK$26,212
64	HK$21,838	HK$27,471
65	HK$22,665	HK$28,859
66	HK$23,297	HK$30,272
67	HK$23,955	HK$31,721
68	HK$24,612	HK$33,235
69	HK$25,812	HK$34,913
70	HK$27,121	HK$36,618
71	HK$27,970	HK$37,658
72	HK$28,552	HK$37,783
73	HK$28,797	HK$37,906
74	HK$29,072	HK$38,092
75	HK$29,572	HK$38,143
76	HK$29,840	HK$38,185
77	HK$30,294	HK$38,256
78	HK$30,777	HK$38,315
79	HK$31,568	HK$38,365
80	HK$31,647	HK$38,387
81	HK$32,580	HK$38,413
82	HK$33,196	HK$38,429
83	HK$33,798	HK$38,446
84	HK$34,392	HK$38,475
85	HK$34,762	HK$38,491
86	HK$34,829	HK$38,510
87	HK$34,956	HK$38,532
88	HK$35,081	HK$38,554
89	HK$35,203	HK$38,572
90	HK$35,321	HK$38,591
91	HK$35,450	HK$38,614
92	HK$35,643	HK$38,633
93	HK$35,827	HK$38,656
94	HK$36,017	HK$38,677
95	HK$36,204	HK$38,694
96	HK$36,390	HK$38,715
97	HK$36,581	HK$38,736
98	HK$36,770	HK$38,757
99	HK$36,963	HK$38,776

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10 deductibles — same benefit schedule, premium scales with deductible

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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jan 1, 2026
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.