TaxVantage Plus Medical Plan - Plan 4M

「稅」安心醫療計劃 - 計劃 4M

YF Life Insurance International Limited

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Your premium

HK$20,366 /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

No cap

SMM Supplemental Major Medical

HK$600,000

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	$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$17,494	HK$17,792
1	HK$17,494	HK$17,792
2	HK$17,494	HK$17,792
3	HK$17,494	HK$17,792
4	HK$17,494	HK$17,792
5	HK$17,494	HK$17,792
6	HK$17,494	HK$17,792
7	HK$17,494	HK$17,792
8	HK$17,494	HK$17,792
9	HK$17,494	HK$17,792
10	HK$17,494	HK$17,792
11	HK$17,494	HK$17,792
12	HK$17,494	HK$17,792
13	HK$17,494	HK$17,792
14	HK$17,494	HK$17,792
15	HK$17,494	HK$17,792
16	HK$17,494	HK$17,792
17	HK$17,494	HK$17,792
18	HK$17,617	HK$18,896
19	HK$17,766	HK$20,056
20	HK$17,907	HK$21,031
21	HK$18,072	HK$22,215
22	HK$18,238	HK$23,191
23	HK$18,447	HK$23,934
24	HK$18,669	HK$24,905
25	HK$18,891	HK$25,856
26	HK$19,116	HK$26,534
27	HK$19,361	HK$27,479
28	HK$19,639	HK$28,425
29	HK$19,977	HK$29,361
30	HK$20,366	HK$30,304
31	HK$20,896	HK$31,244
32	HK$21,367	HK$32,186
33	HK$21,955	HK$33,317
34	HK$22,352	HK$34,563
35	HK$22,794	HK$35,827
36	HK$23,362	HK$37,110
37	HK$23,560	HK$38,403
38	HK$24,188	HK$39,748
39	HK$25,684	HK$41,233
40	HK$27,202	HK$42,817
41	HK$29,392	HK$44,478
42	HK$31,022	HK$46,196
43	HK$33,090	HK$48,040
44	HK$35,342	HK$50,673
45	HK$36,381	HK$53,303
46	HK$38,547	HK$55,934
47	HK$41,061	HK$58,562
48	HK$43,313	HK$61,193
49	HK$45,633	HK$63,819
50	HK$47,577	HK$66,453
51	HK$50,162	HK$68,908
52	HK$52,862	HK$71,357
53	HK$55,693	HK$73,787
54	HK$58,670	HK$76,205
55	HK$61,809	HK$78,605
56	HK$64,419	HK$81,003
57	HK$67,723	HK$83,379
58	HK$70,405	HK$85,747
59	HK$73,869	HK$88,101
60	HK$77,387	HK$90,441
61	HK$81,502	HK$91,901
62	HK$85,387	HK$94,389
63	HK$89,343	HK$96,583
64	HK$93,435	HK$100,485
65	HK$97,588	HK$106,386
66	HK$101,947	HK$113,488
67	HK$106,443	HK$120,621
68	HK$111,192	HK$127,148
69	HK$116,091	HK$133,643
70	HK$121,263	HK$140,094
71	HK$124,998	HK$143,831
72	HK$128,213	HK$143,948
73	HK$129,912	HK$144,047
74	HK$131,596	HK$145,568
75	HK$133,829	HK$148,689
76	HK$135,013	HK$150,662
77	HK$136,982	HK$152,764
78	HK$139,059	HK$155,223
79	HK$142,548	HK$155,861
80	HK$142,731	HK$156,314
81	HK$147,540	HK$156,770
82	HK$149,435	HK$157,223
83	HK$152,047	HK$157,679
84	HK$154,621	HK$158,129
85	HK$155,516	HK$158,586
86	HK$156,363	HK$159,038
87	HK$156,712	HK$159,488
88	HK$157,053	HK$159,946
89	HK$157,395	HK$160,403
90	HK$157,738	HK$160,858
91	HK$158,071	HK$161,307
92	HK$158,703	HK$161,767
93	HK$159,335	HK$162,223
94	HK$159,965	HK$162,673
95	HK$160,591	HK$163,127
96	HK$161,224	HK$163,586
97	HK$161,851	HK$164,035
98	HK$162,483	HK$164,491
99	HK$163,113	HK$164,948

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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.