TaxVantage Plus Medical Plan - Plan 1

「稅」安心醫療計劃 - 計劃 1

YF Life Insurance International Limited

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Your premium

HK$4,320 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$600,000

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	$1,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$15,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$8,000 per Policy Year
(e) Intensive care (e) 深切治療	$5,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 8,400
Surgeon's fee — Intermediate 外科醫生費 — 中型	$21,000
Surgeon's fee — Major 外科醫生費 — 大型	$42,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$70,000
(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	$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$82,000 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	$600, per visit, $3,300 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	$34,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 家中看護津貼	$475 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis 洗腎保障	$30,300 per 10-year period
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$400 per day, maximum 180 days per Policy Year
Event Benefits
Accidental Death benefit 意外的額外津貼	$12,000 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	$175,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$15,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$8,000 per Policy Year
(e) Intensive care
(e) 深切治療
$5,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 8,400
Surgeon's fee — Intermediate
外科醫生費 — 中型
$21,000
Surgeon's fee — Major
外科醫生費 — 大型
$42,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$70,000
(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
$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$82,000 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
$600, per visit, $3,300 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
$34,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
家中看護津貼
$475 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis
洗腎保障
$30,300 per 10-year period

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$400 per day, maximum 180 days per Policy Year

Event Benefits

Accidental Death benefit
意外的額外津貼
$12,000 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
$175,000

Premium Schedule

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

Age	Male	Female
0	HK$3,650	HK$3,876
1	HK$3,650	HK$3,876
2	HK$3,650	HK$3,876
3	HK$3,650	HK$3,876
4	HK$3,650	HK$3,876
5	HK$3,650	HK$3,876
6	HK$3,650	HK$3,876
7	HK$3,650	HK$3,876
8	HK$3,650	HK$3,876
9	HK$3,650	HK$3,876
10	HK$3,650	HK$3,876
11	HK$3,650	HK$3,876
12	HK$3,650	HK$3,876
13	HK$3,650	HK$3,876
14	HK$3,650	HK$3,876
15	HK$3,650	HK$3,876
16	HK$3,650	HK$3,876
17	HK$3,650	HK$3,876
18	HK$3,693	HK$4,536
19	HK$3,733	HK$4,701
20	HK$3,778	HK$4,814
21	HK$3,819	HK$5,130
22	HK$3,868	HK$5,391
23	HK$3,923	HK$5,597
24	HK$3,973	HK$5,861
25	HK$4,019	HK$6,091
26	HK$4,069	HK$6,264
27	HK$4,125	HK$6,497
28	HK$4,180	HK$6,726
29	HK$4,246	HK$6,955
30	HK$4,320	HK$7,184
31	HK$4,448	HK$7,413
32	HK$4,574	HK$7,645
33	HK$4,705	HK$7,902
34	HK$4,814	HK$8,188
35	HK$4,954	HK$8,484
36	HK$5,001	HK$8,800
37	HK$5,130	HK$9,145
38	HK$5,327	HK$9,573
39	HK$5,559	HK$9,968
40	HK$5,859	HK$10,379
41	HK$6,237	HK$10,724
42	HK$6,649	HK$11,167
43	HK$7,100	HK$11,622
44	HK$7,533	HK$12,221
45	HK$7,824	HK$12,830
46	HK$8,349	HK$13,507
47	HK$8,898	HK$14,060
48	HK$9,423	HK$14,605
49	HK$9,928	HK$15,157
50	HK$10,292	HK$15,704
51	HK$10,928	HK$16,217
52	HK$11,458	HK$16,723
53	HK$11,994	HK$17,229
54	HK$12,535	HK$17,728
55	HK$13,083	HK$18,228
56	HK$13,647	HK$18,737
57	HK$14,245	HK$19,254
58	HK$14,868	HK$19,826
59	HK$15,513	HK$20,393
60	HK$16,180	HK$20,957
61	HK$16,859	HK$21,534
62	HK$17,541	HK$22,132
63	HK$18,250	HK$22,761
64	HK$18,962	HK$23,853
65	HK$19,681	HK$25,056
66	HK$20,228	HK$26,286
67	HK$20,799	HK$27,543
68	HK$21,369	HK$28,859
69	HK$22,413	HK$30,315
70	HK$23,549	HK$31,795
71	HK$24,346	HK$32,776
72	HK$24,926	HK$32,983
73	HK$25,175	HK$33,142
74	HK$25,420	HK$33,307
75	HK$25,860	HK$33,357
76	HK$26,095	HK$33,395
77	HK$26,496	HK$33,458
78	HK$26,915	HK$33,510
79	HK$27,611	HK$33,556
80	HK$27,678	HK$33,577
81	HK$28,494	HK$33,597
82	HK$29,034	HK$33,613
83	HK$29,563	HK$33,627
84	HK$30,080	HK$33,649
85	HK$30,405	HK$33,665
86	HK$30,463	HK$33,682
87	HK$30,574	HK$33,703
88	HK$30,681	HK$33,720
89	HK$30,792	HK$33,734
90	HK$30,894	HK$33,755
91	HK$31,007	HK$33,773
92	HK$31,171	HK$33,789
93	HK$31,335	HK$33,808
94	HK$31,502	HK$33,828
95	HK$31,663	HK$33,844
96	HK$31,831	HK$33,862
97	HK$31,995	HK$33,880
98	HK$32,162	HK$33,897
99	HK$32,328	HK$33,914

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.