TaxVantage Plus Medical Plan - Plan 4

「稅」安心醫療計劃 - 計劃 4

YF Life Insurance International Limited

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Your premium

HK$15,183 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$2,000,000

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	$5,050 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$35,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$5,050 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$13,800 per Policy Year
(e) Intensive care (e) 深切治療	$11,200 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$17,700
Surgeon's fee — Intermediate 外科醫生費 — 中型	$44,250
Surgeon's fee — Major 外科醫生費 — 大型	$88,500
Surgeon's fee — Complex 外科醫生費 — 複雜	$147,500
(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	$40,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$124,000 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	$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
(l) Psychiatric treatments (l) 精神科治療	$80,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 家中看護津貼	$1,365 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis 洗腎保障	$120,480 per 10-year period
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$800 per day, maximum 180 days per Policy Year
Event Benefits
Accidental Death benefit 意外的額外津貼	$34,000 per Policy Year
Compassionate death benefit 身故保障	$20,000
Medical accident and incident extension benefit 醫療意外事故保障	$300,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$5,050 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$35,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$5,050 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$13,800 per Policy Year
(e) Intensive care
(e) 深切治療
$11,200 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$17,700
Surgeon's fee — Intermediate
外科醫生費 — 中型
$44,250
Surgeon's fee — Major
外科醫生費 — 大型
$88,500
Surgeon's fee — Complex
外科醫生費 — 複雜
$147,500
(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
$40,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$124,000 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
$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
(l) Psychiatric treatments
(l) 精神科治療
$80,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
家中看護津貼
$1,365 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis
洗腎保障
$120,480 per 10-year period

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$800 per day, maximum 180 days per Policy Year

Event Benefits

Accidental Death benefit
意外的額外津貼
$34,000 per Policy Year
Compassionate death benefit
身故保障
$20,000
Medical accident and incident extension benefit
醫療意外事故保障
$300,000

Premium Schedule

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

Age	Male	Female
0	HK$13,044	HK$13,265
1	HK$13,044	HK$13,265
2	HK$13,044	HK$13,265
3	HK$13,044	HK$13,265
4	HK$13,044	HK$13,265
5	HK$13,044	HK$13,265
6	HK$13,044	HK$13,265
7	HK$13,044	HK$13,265
8	HK$13,044	HK$13,265
9	HK$13,044	HK$13,265
10	HK$13,044	HK$13,265
11	HK$13,044	HK$13,265
12	HK$13,044	HK$13,265
13	HK$13,044	HK$13,265
14	HK$13,044	HK$13,265
15	HK$13,044	HK$13,265
16	HK$13,044	HK$13,265
17	HK$13,044	HK$13,265
18	HK$13,138	HK$14,088
19	HK$13,246	HK$14,952
20	HK$13,351	HK$15,678
21	HK$13,476	HK$16,562
22	HK$13,598	HK$17,292
23	HK$13,753	HK$17,844
24	HK$13,920	HK$18,565
25	HK$14,083	HK$19,275
26	HK$14,252	HK$19,786
27	HK$14,433	HK$20,487
28	HK$14,641	HK$21,192
29	HK$14,894	HK$21,893
30	HK$15,183	HK$22,596
31	HK$15,584	HK$23,296
32	HK$15,932	HK$23,999
33	HK$16,371	HK$24,843
34	HK$16,665	HK$25,773
35	HK$16,993	HK$26,716
36	HK$17,418	HK$27,669
37	HK$17,562	HK$28,633
38	HK$18,034	HK$29,635
39	HK$19,148	HK$30,744
40	HK$20,280	HK$31,926
41	HK$21,915	HK$33,163
42	HK$23,131	HK$34,444
43	HK$24,670	HK$35,817
44	HK$26,351	HK$37,782
45	HK$27,127	HK$39,742
46	HK$28,741	HK$41,704
47	HK$30,616	HK$43,667
48	HK$32,296	HK$45,626
49	HK$34,025	HK$47,586
50	HK$35,473	HK$49,550
51	HK$37,402	HK$51,379
52	HK$39,414	HK$53,207
53	HK$41,523	HK$55,018
54	HK$43,744	HK$56,819
55	HK$46,083	HK$58,612
56	HK$48,031	HK$60,397
57	HK$50,498	HK$62,170
58	HK$52,495	HK$63,935
59	HK$55,076	HK$65,688
60	HK$57,702	HK$67,435
61	HK$60,769	HK$68,523
62	HK$63,669	HK$70,380
63	HK$66,617	HK$72,013
64	HK$69,667	HK$74,921
65	HK$72,764	HK$79,325
66	HK$76,014	HK$84,618
67	HK$79,368	HK$89,939
68	HK$82,909	HK$94,807
69	HK$86,561	HK$99,649
70	HK$90,418	HK$104,458
71	HK$93,484	HK$107,566
72	HK$96,248	HK$108,063
73	HK$97,715	HK$108,347
74	HK$98,995	HK$109,509
75	HK$100,694	HK$111,879
76	HK$101,598	HK$113,372
77	HK$103,086	HK$114,964
78	HK$104,649	HK$116,813
79	HK$107,276	HK$117,293
80	HK$107,414	HK$117,635
81	HK$111,034	HK$117,979
82	HK$112,459	HK$118,319
83	HK$114,423	HK$118,660
84	HK$116,360	HK$119,000
85	HK$117,036	HK$119,345
86	HK$117,672	HK$119,684
87	HK$117,934	HK$120,027
88	HK$118,191	HK$120,369
89	HK$118,449	HK$120,711
90	HK$118,704	HK$121,053
91	HK$118,960	HK$121,394
92	HK$119,433	HK$121,738
93	HK$119,906	HK$122,080
94	HK$120,384	HK$122,421
95	HK$120,857	HK$122,763
96	HK$121,330	HK$123,106
97	HK$121,802	HK$123,447
98	HK$122,278	HK$123,791
99	HK$122,751	HK$124,132

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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.