TaxVantage Plus Medical Plan - Plan 3

「稅」安心醫療計劃 - 計劃 3

YF Life Insurance International Limited

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Your premium

HK$11,545 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$1,350,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

—

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	$3,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$23,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$3,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$9,500 per Policy Year
(e) Intensive care (e) 深切治療	$8,600 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$13,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$33,750
Surgeon's fee — Major 外科醫生費 — 大型	$67,500
Surgeon's fee — Complex 外科醫生費 — 複雜	$112,500
(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	$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$110,000 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	$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
(l) Psychiatric treatments (l) 精神科治療	$60,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 家中看護津貼	$935 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis 洗腎保障	$90,400 per 10-year period
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$630 per day, maximum 180 days per Policy Year
Event Benefits
Accidental Death benefit 意外的額外津貼	$22,000 per Policy Year
Compassionate death benefit 身故保障	$15,000
Medical accident and incident extension benefit 醫療意外事故保障	$250,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$3,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$23,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$3,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$9,500 per Policy Year
(e) Intensive care
(e) 深切治療
$8,600 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$13,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$33,750
Surgeon's fee — Major
外科醫生費 — 大型
$67,500
Surgeon's fee — Complex
外科醫生費 — 複雜
$112,500
(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
$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$110,000 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
$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
(l) Psychiatric treatments
(l) 精神科治療
$60,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
家中看護津貼
$935 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis
洗腎保障
$90,400 per 10-year period

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$630 per day, maximum 180 days per Policy Year

Event Benefits

Accidental Death benefit
意外的額外津貼
$22,000 per Policy Year
Compassionate death benefit
身故保障
$15,000
Medical accident and incident extension benefit
醫療意外事故保障
$250,000

Premium Schedule

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

Age	Male	Female
0	HK$9,501	HK$9,609
1	HK$9,501	HK$9,609
2	HK$9,501	HK$9,609
3	HK$9,501	HK$9,609
4	HK$9,501	HK$9,609
5	HK$9,501	HK$9,609
6	HK$9,501	HK$9,609
7	HK$9,501	HK$9,609
8	HK$9,501	HK$9,609
9	HK$9,501	HK$9,609
10	HK$9,501	HK$9,609
11	HK$9,501	HK$9,609
12	HK$9,501	HK$9,609
13	HK$9,501	HK$9,609
14	HK$9,501	HK$9,609
15	HK$9,501	HK$9,609
16	HK$9,501	HK$9,609
17	HK$9,501	HK$9,609
18	HK$9,627	HK$11,126
19	HK$9,759	HK$11,745
20	HK$9,893	HK$11,886
21	HK$10,027	HK$12,655
22	HK$10,164	HK$13,302
23	HK$10,299	HK$13,812
24	HK$10,440	HK$14,453
25	HK$10,579	HK$15,034
26	HK$10,724	HK$15,457
27	HK$10,884	HK$16,029
28	HK$11,077	HK$16,599
29	HK$11,295	HK$17,171
30	HK$11,545	HK$17,746
31	HK$11,878	HK$18,322
32	HK$12,166	HK$18,891
33	HK$12,524	HK$19,491
34	HK$12,777	HK$20,140
35	HK$13,108	HK$20,823
36	HK$13,144	HK$21,545
37	HK$13,319	HK$22,313
38	HK$13,742	HK$23,139
39	HK$14,489	HK$24,021
40	HK$15,409	HK$24,919
41	HK$16,668	HK$25,861
42	HK$17,620	HK$26,822
43	HK$18,794	HK$27,907
44	HK$20,071	HK$29,450
45	HK$20,691	HK$31,000
46	HK$21,936	HK$32,546
47	HK$23,338	HK$34,092
48	HK$24,555	HK$35,637
49	HK$25,875	HK$37,191
50	HK$26,980	HK$38,738
51	HK$28,665	HK$40,193
52	HK$30,097	HK$41,633
53	HK$31,526	HK$43,067
54	HK$32,965	HK$44,495
55	HK$34,409	HK$45,917
56	HK$35,882	HK$47,331
57	HK$37,376	HK$48,734
58	HK$38,525	HK$50,127
59	HK$40,279	HK$51,519
60	HK$42,174	HK$52,897
61	HK$44,313	HK$53,847
62	HK$46,262	HK$55,389
63	HK$48,266	HK$56,710
64	HK$50,542	HK$58,917
65	HK$52,910	HK$62,088
66	HK$55,334	HK$66,279
67	HK$57,779	HK$70,495
68	HK$60,252	HK$74,361
69	HK$62,893	HK$78,198
70	HK$65,633	HK$82,018
71	HK$67,710	HK$84,495
72	HK$69,424	HK$84,918
73	HK$70,163	HK$85,174
74	HK$71,076	HK$85,917
75	HK$72,286	HK$87,612
76	HK$72,929	HK$88,675
77	HK$73,989	HK$89,819
78	HK$75,107	HK$90,946
79	HK$76,987	HK$91,500
80	HK$77,083	HK$91,529
81	HK$79,672	HK$91,561
82	HK$80,685	HK$91,587
83	HK$82,096	HK$91,617
84	HK$83,478	HK$91,643
85	HK$83,958	HK$91,673
86	HK$84,482	HK$91,704
87	HK$84,738	HK$91,729
88	HK$84,990	HK$91,758
89	HK$85,238	HK$91,786
90	HK$85,490	HK$91,816
91	HK$85,737	HK$91,839
92	HK$86,143	HK$91,873
93	HK$86,550	HK$91,904
94	HK$86,956	HK$91,929
95	HK$87,362	HK$91,960
96	HK$87,767	HK$91,985
97	HK$88,178	HK$92,016
98	HK$88,584	HK$92,042
99	HK$88,988	HK$92,076

Other deductible options in this series

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.