TaxVantage Plus Medical Plan - Plan 2M

「稅」安心醫療計劃 - 計劃 2M

YF Life Insurance International Limited

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Your premium

HK$8,156 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$850,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$200,000

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	$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$6,777	HK$7,225
1	HK$6,777	HK$7,225
2	HK$6,777	HK$7,225
3	HK$6,777	HK$7,225
4	HK$6,777	HK$7,225
5	HK$6,777	HK$7,225
6	HK$6,777	HK$7,225
7	HK$6,777	HK$7,225
8	HK$6,777	HK$7,225
9	HK$6,777	HK$7,225
10	HK$6,777	HK$7,225
11	HK$6,777	HK$7,225
12	HK$6,777	HK$7,225
13	HK$6,777	HK$7,225
14	HK$6,777	HK$7,225
15	HK$6,777	HK$7,225
16	HK$6,777	HK$7,225
17	HK$6,777	HK$7,225
18	HK$6,850	HK$8,414
19	HK$6,930	HK$8,771
20	HK$7,016	HK$8,949
21	HK$7,108	HK$9,536
22	HK$7,206	HK$10,020
23	HK$7,312	HK$10,405
24	HK$7,414	HK$10,894
25	HK$7,518	HK$11,331
26	HK$7,623	HK$11,660
27	HK$7,737	HK$12,101
28	HK$7,853	HK$12,537
29	HK$7,992	HK$12,973
30	HK$8,156	HK$13,410
31	HK$8,399	HK$13,848
32	HK$8,620	HK$14,286
33	HK$8,846	HK$14,768
34	HK$9,055	HK$15,282
35	HK$9,297	HK$15,819
36	HK$9,348	HK$16,378
37	HK$9,607	HK$16,967
38	HK$9,961	HK$17,650
39	HK$10,437	HK$18,381
40	HK$10,941	HK$19,139
41	HK$11,785	HK$19,857
42	HK$12,512	HK$20,684
43	HK$13,297	HK$21,529
44	HK$14,156	HK$22,664
45	HK$14,637	HK$23,808
46	HK$15,648	HK$25,008
47	HK$16,581	HK$26,103
48	HK$17,509	HK$27,189
49	HK$18,441	HK$28,279
50	HK$19,182	HK$29,365
51	HK$20,367	HK$30,383
52	HK$21,365	HK$31,390
53	HK$22,372	HK$32,394
54	HK$23,387	HK$33,393
55	HK$24,412	HK$34,383
56	HK$25,472	HK$35,387
57	HK$26,565	HK$36,391
58	HK$27,571	HK$37,446
59	HK$28,776	HK$38,488
60	HK$30,032	HK$39,530
61	HK$31,492	HK$40,506
62	HK$32,802	HK$41,403
63	HK$34,155	HK$42,625
64	HK$35,515	HK$44,526
65	HK$36,881	HK$47,033
66	HK$37,906	HK$49,591
67	HK$39,152	HK$52,164
68	HK$40,426	HK$54,777
69	HK$42,482	HK$57,508
70	HK$44,648	HK$60,255
71	HK$45,842	HK$62,265
72	HK$46,912	HK$62,439
73	HK$47,391	HK$62,567
74	HK$47,867	HK$62,577
75	HK$48,693	HK$62,609
76	HK$49,015	HK$62,622
77	HK$49,771	HK$62,657
78	HK$50,576	HK$62,698
79	HK$51,888	HK$62,748
80	HK$52,018	HK$62,778
81	HK$53,565	HK$62,813
82	HK$54,573	HK$62,839
83	HK$55,568	HK$62,867
84	HK$56,551	HK$62,899
85	HK$57,046	HK$62,928
86	HK$57,269	HK$62,957
87	HK$57,439	HK$62,986
88	HK$57,612	HK$63,015
89	HK$57,779	HK$63,042
90	HK$57,947	HK$63,071
91	HK$58,115	HK$63,106
92	HK$58,392	HK$63,135
93	HK$58,667	HK$63,161
94	HK$58,938	HK$63,195
95	HK$59,213	HK$63,219
96	HK$59,486	HK$63,249
97	HK$59,763	HK$63,281
98	HK$60,039	HK$63,309
99	HK$60,315	HK$63,339

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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.