TaxVantage Plus Medical Plan - Plan X

「稅」安心醫療計劃 - 計劃 X

YF Life Insurance International Limited

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Your premium

HK$3,782 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$550,000

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	$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$3,194	HK$3,218
1	HK$3,194	HK$3,218
2	HK$3,194	HK$3,218
3	HK$3,194	HK$3,218
4	HK$3,194	HK$3,218
5	HK$3,194	HK$3,218
6	HK$3,194	HK$3,218
7	HK$3,194	HK$3,218
8	HK$3,194	HK$3,218
9	HK$3,194	HK$3,218
10	HK$3,194	HK$3,218
11	HK$3,194	HK$3,218
12	HK$3,194	HK$3,218
13	HK$3,194	HK$3,218
14	HK$3,194	HK$3,218
15	HK$3,194	HK$3,218
16	HK$3,194	HK$3,218
17	HK$3,194	HK$3,218
18	HK$3,232	HK$3,766
19	HK$3,269	HK$3,903
20	HK$3,307	HK$3,995
21	HK$3,343	HK$4,260
22	HK$3,387	HK$4,475
23	HK$3,434	HK$4,647
24	HK$3,477	HK$4,865
25	HK$3,518	HK$5,057
26	HK$3,562	HK$5,200
27	HK$3,610	HK$5,393
28	HK$3,661	HK$5,584
29	HK$3,718	HK$5,773
30	HK$3,782	HK$5,964
31	HK$3,893	HK$6,153
32	HK$4,003	HK$6,345
33	HK$4,120	HK$6,559
34	HK$4,214	HK$6,797
35	HK$4,338	HK$7,043
36	HK$4,378	HK$7,306
37	HK$4,490	HK$7,591
38	HK$4,664	HK$7,947
39	HK$4,867	HK$8,274
40	HK$5,128	HK$8,617
41	HK$5,459	HK$8,901
42	HK$5,820	HK$9,270
43	HK$6,215	HK$9,648
44	HK$6,594	HK$10,144
45	HK$6,849	HK$10,650
46	HK$7,308	HK$11,212
47	HK$7,786	HK$11,670
48	HK$8,247	HK$12,125
49	HK$8,688	HK$12,581
50	HK$9,008	HK$13,034
51	HK$9,563	HK$13,461
52	HK$10,028	HK$13,881
53	HK$10,496	HK$14,301
54	HK$10,970	HK$14,715
55	HK$11,450	HK$15,129
56	HK$11,945	HK$15,552
57	HK$12,466	HK$15,982
58	HK$13,012	HK$16,456
59	HK$13,576	HK$16,927
60	HK$14,160	HK$17,396
61	HK$14,754	HK$17,873
62	HK$15,352	HK$18,369
63	HK$15,973	HK$18,893
64	HK$16,596	HK$19,798
65	HK$17,226	HK$20,798
66	HK$17,704	HK$21,816
67	HK$18,203	HK$22,861
68	HK$18,702	HK$23,955
69	HK$19,614	HK$25,161
70	HK$20,610	HK$26,390
71	HK$21,306	HK$27,205
72	HK$21,814	HK$27,376
73	HK$22,034	HK$27,509
74	HK$22,247	HK$27,646
75	HK$22,606	HK$27,714
76	HK$22,786	HK$27,773
77	HK$23,108	HK$27,850
78	HK$23,448	HK$27,923
79	HK$24,025	HK$27,988
80	HK$24,055	HK$28,030
81	HK$24,737	HK$28,074
82	HK$25,176	HK$28,115
83	HK$25,605	HK$28,153
84	HK$26,023	HK$28,198
85	HK$26,274	HK$28,240
86	HK$26,294	HK$28,280
87	HK$26,358	HK$28,325
88	HK$26,419	HK$28,367
89	HK$26,484	HK$28,406
90	HK$26,540	HK$28,449
91	HK$26,606	HK$28,493
92	HK$26,716	HK$28,532
93	HK$26,824	HK$28,575
94	HK$26,936	HK$28,618
95	HK$27,042	HK$28,659
96	HK$27,154	HK$28,701
97	HK$27,262	HK$28,745
98	HK$27,372	HK$28,788
99	HK$27,480	HK$28,828

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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.