TaxVantage Plus Medical Plan - Plan 2

「稅」安心醫療計劃 - 計劃 2

YF Life Insurance International Limited

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Your premium

HK$6,881 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$850,000

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	$1,800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$18,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,800 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$8,700 per Policy Year
(e) Intensive care (e) 深切治療	$7,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$10,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$26,250
Surgeon's fee — Major 外科醫生費 — 大型	$52,500
Surgeon's fee — Complex 外科醫生費 — 複雜	$87,500
(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	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$96,000 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	$900, per visit, $4,950 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	$45,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 家中看護津貼	$620 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis 洗腎保障	$60,250 per 10-year period
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$500 per day, maximum 180 days per Policy Year
Event Benefits
Accidental Death benefit 意外的額外津貼	$18,000 per Policy Year
Compassionate death benefit 身故保障	$10,000
Medical accident and incident extension benefit 醫療意外事故保障	$200,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$18,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,800 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$8,700 per Policy Year
(e) Intensive care
(e) 深切治療
$7,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$10,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$26,250
Surgeon's fee — Major
外科醫生費 — 大型
$52,500
Surgeon's fee — Complex
外科醫生費 — 複雜
$87,500
(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
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$96,000 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
$900, per visit, $4,950 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
$45,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
家中看護津貼
$620 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis
洗腎保障
$60,250 per 10-year period

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$500 per day, maximum 180 days per Policy Year

Event Benefits

Accidental Death benefit
意外的額外津貼
$18,000 per Policy Year
Compassionate death benefit
身故保障
$10,000
Medical accident and incident extension benefit
醫療意外事故保障
$200,000

Premium Schedule

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

Age	Male	Female
0	HK$5,714	HK$6,092
1	HK$5,714	HK$6,092
2	HK$5,714	HK$6,092
3	HK$5,714	HK$6,092
4	HK$5,714	HK$6,092
5	HK$5,714	HK$6,092
6	HK$5,714	HK$6,092
7	HK$5,714	HK$6,092
8	HK$5,714	HK$6,092
9	HK$5,714	HK$6,092
10	HK$5,714	HK$6,092
11	HK$5,714	HK$6,092
12	HK$5,714	HK$6,092
13	HK$5,714	HK$6,092
14	HK$5,714	HK$6,092
15	HK$5,714	HK$6,092
16	HK$5,714	HK$6,092
17	HK$5,714	HK$6,092
18	HK$5,773	HK$7,094
19	HK$5,842	HK$7,394
20	HK$5,916	HK$7,545
21	HK$5,992	HK$8,038
22	HK$6,079	HK$8,447
23	HK$6,165	HK$8,772
24	HK$6,253	HK$9,185
25	HK$6,340	HK$9,555
26	HK$6,430	HK$9,833
27	HK$6,526	HK$10,203
28	HK$6,624	HK$10,572
29	HK$6,741	HK$10,941
30	HK$6,881	HK$11,309
31	HK$7,085	HK$11,679
32	HK$7,271	HK$12,049
33	HK$7,461	HK$12,455
34	HK$7,639	HK$12,887
35	HK$7,843	HK$13,341
36	HK$7,886	HK$13,810
37	HK$8,103	HK$14,304
38	HK$8,402	HK$14,875
39	HK$8,802	HK$15,494
40	HK$9,228	HK$16,131
41	HK$9,944	HK$16,742
42	HK$10,555	HK$17,436
43	HK$11,215	HK$18,151
44	HK$11,940	HK$19,108
45	HK$12,344	HK$20,072
46	HK$13,200	HK$21,083
47	HK$13,981	HK$22,007
48	HK$14,761	HK$22,927
49	HK$15,547	HK$23,848
50	HK$16,177	HK$24,767
51	HK$17,172	HK$25,627
52	HK$18,017	HK$26,480
53	HK$18,867	HK$27,328
54	HK$19,722	HK$28,172
55	HK$20,585	HK$29,011
56	HK$21,481	HK$29,858
57	HK$22,404	HK$30,706
58	HK$23,243	HK$31,596
59	HK$24,258	HK$32,473
60	HK$25,321	HK$33,353
61	HK$26,562	HK$34,171
62	HK$27,668	HK$34,920
63	HK$28,807	HK$35,950
64	HK$29,958	HK$37,551
65	HK$31,109	HK$39,674
66	HK$31,975	HK$41,841
67	HK$33,032	HK$44,019
68	HK$34,114	HK$46,233
69	HK$35,853	HK$48,536
70	HK$37,681	HK$50,851
71	HK$38,739	HK$52,643
72	HK$39,726	HK$52,889
73	HK$40,175	HK$53,047
74	HK$40,584	HK$53,049
75	HK$41,289	HK$53,072
76	HK$41,558	HK$53,091
77	HK$42,200	HK$53,118
78	HK$42,883	HK$53,152
79	HK$43,995	HK$53,195
80	HK$44,108	HK$53,217
81	HK$45,418	HK$53,246
82	HK$46,273	HK$53,268
83	HK$47,115	HK$53,293
84	HK$47,952	HK$53,318
85	HK$48,367	HK$53,343
86	HK$48,561	HK$53,369
87	HK$48,705	HK$53,392
88	HK$48,847	HK$53,418
89	HK$48,989	HK$53,441
90	HK$49,129	HK$53,467
91	HK$49,270	HK$53,493
92	HK$49,503	HK$53,517
93	HK$49,734	HK$53,538
94	HK$49,962	HK$53,565
95	HK$50,195	HK$53,590
96	HK$50,428	HK$53,616
97	HK$50,660	HK$53,640
98	HK$50,892	HK$53,664
99	HK$51,124	HK$53,691

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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.