TaxVantage Plus Medical Plan - Plan XM

「稅」安心醫療計劃 - 計劃 XM

YF Life Insurance International Limited

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Your premium

HK$4,355 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$550,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$100,000

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	$900 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,500 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$900 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$4,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$6,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$15,500
Surgeon's fee — Major 外科醫生費 — 大型	$30,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$65,000
(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	$22,500 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 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	$580, per visit, $3,000 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	$30,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 家中看護津貼	$380 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis 洗腎保障	$25,000 per 10-year period
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$300 per day, maximum 180 days per Policy Year
Event Benefits
Accidental Death benefit 意外的額外津貼	$8,500 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	$150,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$900 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,500 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$900 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$4,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$6,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$15,500
Surgeon's fee — Major
外科醫生費 — 大型
$30,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$65,000
(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
$22,500 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 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
$580, per visit, $3,000 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
$30,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
家中看護津貼
$380 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis
洗腎保障
$25,000 per 10-year period

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$300 per day, maximum 180 days per Policy Year

Event Benefits

Accidental Death benefit
意外的額外津貼
$8,500 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
$150,000

Premium Schedule

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

Age	Male	Female
0	HK$3,682	HK$3,704
1	HK$3,682	HK$3,704
2	HK$3,682	HK$3,704
3	HK$3,682	HK$3,704
4	HK$3,682	HK$3,704
5	HK$3,682	HK$3,704
6	HK$3,682	HK$3,704
7	HK$3,682	HK$3,704
8	HK$3,682	HK$3,704
9	HK$3,682	HK$3,704
10	HK$3,682	HK$3,704
11	HK$3,682	HK$3,704
12	HK$3,682	HK$3,704
13	HK$3,682	HK$3,704
14	HK$3,682	HK$3,704
15	HK$3,682	HK$3,704
16	HK$3,682	HK$3,704
17	HK$3,682	HK$3,704
18	HK$3,721	HK$4,340
19	HK$3,764	HK$4,494
20	HK$3,810	HK$4,605
21	HK$3,855	HK$4,907
22	HK$3,903	HK$5,155
23	HK$3,952	HK$5,354
24	HK$4,003	HK$5,605
25	HK$4,054	HK$5,822
26	HK$4,107	HK$5,992
27	HK$4,158	HK$6,214
28	HK$4,214	HK$6,433
29	HK$4,279	HK$6,651
30	HK$4,355	HK$6,869
31	HK$4,486	HK$7,091
32	HK$4,613	HK$7,312
33	HK$4,747	HK$7,557
34	HK$4,855	HK$7,824
35	HK$4,997	HK$8,112
36	HK$5,042	HK$8,414
37	HK$5,174	HK$8,743
38	HK$5,371	HK$9,152
39	HK$5,608	HK$9,533
40	HK$5,906	HK$9,924
41	HK$6,289	HK$10,254
42	HK$6,704	HK$10,677
43	HK$7,158	HK$11,113
44	HK$7,595	HK$11,684
45	HK$7,890	HK$12,266
46	HK$8,417	HK$12,912
47	HK$8,970	HK$13,442
48	HK$9,496	HK$13,962
49	HK$10,007	HK$14,491
50	HK$10,377	HK$15,014
51	HK$11,015	HK$15,504
52	HK$11,553	HK$15,987
53	HK$12,089	HK$16,468
54	HK$12,635	HK$16,947
55	HK$13,187	HK$17,423
56	HK$13,756	HK$17,909
57	HK$14,357	HK$18,405
58	HK$14,987	HK$18,952
59	HK$15,636	HK$19,497
60	HK$16,308	HK$20,037
61	HK$16,993	HK$20,584
62	HK$17,680	HK$21,156
63	HK$18,396	HK$21,758
64	HK$19,113	HK$22,803
65	HK$19,837	HK$23,955
66	HK$20,389	HK$25,126
67	HK$20,963	HK$26,330
68	HK$21,540	HK$27,585
69	HK$22,590	HK$28,979
70	HK$23,735	HK$30,393
71	HK$24,479	HK$31,257
72	HK$24,988	HK$31,362
73	HK$25,201	HK$31,463
74	HK$25,443	HK$31,616
75	HK$25,850	HK$31,689
76	HK$26,054	HK$31,756
77	HK$26,422	HK$31,845
78	HK$26,811	HK$31,924
79	HK$27,468	HK$31,997
80	HK$27,505	HK$32,047
81	HK$28,282	HK$32,099
82	HK$28,785	HK$32,143
83	HK$29,273	HK$32,189
84	HK$29,753	HK$32,244
85	HK$30,039	HK$32,287
86	HK$30,061	HK$32,334
87	HK$30,135	HK$32,384
88	HK$30,207	HK$32,433
89	HK$30,277	HK$32,478
90	HK$30,344	HK$32,526
91	HK$30,419	HK$32,575
92	HK$30,548	HK$32,623
93	HK$30,669	HK$32,672
94	HK$30,797	HK$32,721
95	HK$30,919	HK$32,767
96	HK$31,044	HK$32,815
97	HK$31,168	HK$32,866
98	HK$31,293	HK$32,913
99	HK$31,419	HK$32,960

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

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Current page

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.