TaxVantage Plus Medical Plan - Plan 3M

「稅」安心醫療計劃 - 計劃 3M

YF Life Insurance International Limited

Add to compare

Your premium

HK$13,557 /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

No cap

SMM Supplemental Major Medical

HK$400,000

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	$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$11,159	HK$11,283
1	HK$11,159	HK$11,283
2	HK$11,159	HK$11,283
3	HK$11,159	HK$11,283
4	HK$11,159	HK$11,283
5	HK$11,159	HK$11,283
6	HK$11,159	HK$11,283
7	HK$11,159	HK$11,283
8	HK$11,159	HK$11,283
9	HK$11,159	HK$11,283
10	HK$11,159	HK$11,283
11	HK$11,159	HK$11,283
12	HK$11,159	HK$11,283
13	HK$11,159	HK$11,283
14	HK$11,159	HK$11,283
15	HK$11,159	HK$11,283
16	HK$11,159	HK$11,283
17	HK$11,159	HK$11,283
18	HK$11,304	HK$13,063
19	HK$11,460	HK$13,791
20	HK$11,619	HK$13,958
21	HK$11,776	HK$14,860
22	HK$11,934	HK$15,624
23	HK$12,095	HK$16,219
24	HK$12,261	HK$16,971
25	HK$12,423	HK$17,655
26	HK$12,593	HK$18,152
27	HK$12,781	HK$18,817
28	HK$13,004	HK$19,492
29	HK$13,261	HK$20,165
30	HK$13,557	HK$20,839
31	HK$13,947	HK$21,514
32	HK$14,289	HK$22,179
33	HK$14,707	HK$22,887
34	HK$15,003	HK$23,654
35	HK$15,392	HK$24,448
36	HK$15,433	HK$25,299
37	HK$15,643	HK$26,198
38	HK$16,136	HK$27,170
39	HK$17,014	HK$28,204
40	HK$18,095	HK$29,263
41	HK$19,571	HK$30,365
42	HK$20,690	HK$31,492
43	HK$22,069	HK$32,767
44	HK$23,567	HK$34,577
45	HK$24,293	HK$36,395
46	HK$25,758	HK$38,213
47	HK$27,407	HK$40,027
48	HK$28,832	HK$41,841
49	HK$30,381	HK$43,669
50	HK$31,681	HK$45,489
51	HK$33,654	HK$47,190
52	HK$35,337	HK$48,886
53	HK$37,014	HK$50,566
54	HK$38,703	HK$52,245
55	HK$40,399	HK$53,912
56	HK$42,133	HK$55,572
57	HK$43,883	HK$57,221
58	HK$45,236	HK$58,858
59	HK$47,294	HK$60,490
60	HK$49,517	HK$62,109
61	HK$52,028	HK$63,226
62	HK$54,318	HK$65,036
63	HK$56,670	HK$66,585
64	HK$59,341	HK$69,174
65	HK$62,120	HK$72,898
66	HK$64,969	HK$77,818
67	HK$67,840	HK$82,771
68	HK$70,743	HK$87,304
69	HK$73,843	HK$91,815
70	HK$77,057	HK$96,300
71	HK$79,262	HK$98,907
72	HK$80,964	HK$99,030
73	HK$81,663	HK$99,137
74	HK$82,713	HK$99,984
75	HK$84,105	HK$101,936
76	HK$84,845	HK$103,165
77	HK$86,073	HK$104,487
78	HK$87,372	HK$105,799
79	HK$89,563	HK$106,443
80	HK$89,671	HK$106,477
81	HK$92,682	HK$106,517
82	HK$93,863	HK$106,544
83	HK$95,502	HK$106,577
84	HK$97,113	HK$106,612
85	HK$97,670	HK$106,644
86	HK$98,282	HK$106,677
87	HK$98,577	HK$106,709
88	HK$98,873	HK$106,748
89	HK$99,162	HK$106,775
90	HK$99,453	HK$106,810
91	HK$99,738	HK$106,837
92	HK$100,214	HK$106,877
93	HK$100,687	HK$106,915
94	HK$101,155	HK$106,942
95	HK$101,632	HK$106,980
96	HK$102,100	HK$107,009
97	HK$102,579	HK$107,040
98	HK$103,050	HK$107,075
99	HK$103,521	HK$107,112

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

View details →

Current page

View details →

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.