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VHIS Flexi · F00065-04-000-02

TaxVantage Prestige Medical Plan - HKD100,000 Deductible

「稅」卓越醫療計劃 - 100,000 港元自付費

TaxVantage Prestige Medical Plan - HKD100,000 Deductible is a VHIS Flexi plan offered by YF Life Insurance International Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage, HK$12,000,000 annual benefit limit and HK$100,000 deductible. Latest plan-document version: Jan 1, 2026.

Data version: Jan 1, 2026

Your premium

HK$4,833 /yr

age

Ward class

Hospitalisation in Hong Kong, Australia and New Zealand, or emergency treatment outside Asia：Semi-Private Room
Hospitalisation in Asia (excl. Hong Kong, Australia and New Zealand)：Standard Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$100,000

Annual benefit limit

HK$12,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$60,000,000

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	Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II)(g) Medical Devices)R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full reimbursement of Eligible Expenses; Coinsurance: 0%R&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible ExpensesR&C
(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	Full reimbursement of Eligible Expenses• Up to 1 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments (l) 精神科治療	$40,000 per Policy Year
Extra Benefits
Private nursing fee (during Confinement) 私家看護費	Full reimbursement of Eligible Expenses, maximum 60 days per Policy YearR&C
Daily post-surgery home nursing benefit 家中看護津貼	Full reimbursement of Eligible Expenses, maximum 60 days per Policy YearR&C
Hospital companion bed fee reimbursement 住院陪床	Full reimbursement of Eligible ExpensesR&C
Outpatient kidney dialysis 洗腎保障	Full reimbursement of Eligible ExpensesR&C
Reconstructive surgery for specified conditions 矯形手術保障	Per Accident / per mastectomy: $200,000
Complications of pregnancy 妊娠併發症保障	Full reimbursement of Eligible ExpensesR&C
Medical implants / prosthetic devices 醫療裝置	Specified medical devices: Full reimbursement of Eligible Expenses; other medical devices: $100,000 per Policy YearR&C
Organ transplant donor benefit 在生器官捐贈者之移植手術費用	30% of the total organ transplant surgery cost
Cancer / cardiac / stroke rehabilitation benefit 復康中心及其相關治療	$80,000 per Policy Year, maximum 60 days per Policy Year
Post-Confinement / Day Case Procedure auxiliary therapy 輔助服務	$30,000 per Policy Year, up to 1 visit(s) per day combined within 90 days after discharge from Hospital or completion of Day Case Procedure• Consultations and/or treatments by physiotherapist/chiropractor/speech therapist/occupational therapist:- $1,000 per day- Maximum 30 days per Policy Year• Consultations and treatments by Chinese medicine practitioner, and/or medications prescribed:- $600 per day- Maximum 15 days per Policy Year
Hospice and palliative care benefit 善終院舍護理服務	$80,000 per Policy Year
Emergency outpatient treatment for Accident 緊急意外門診治療保障	Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only) 緊急門診牙科治療保障	Full reimbursement of Eligible Expenses within 2 weeks of the AccidentR&C
Cash Benefits
Day surgery cash benefit 日間手術現金保障	$1,600 per surgery, maximum 1 surgeries per Policy Year
Lower ward class cash benefit 香港病房級別下調現金保障	$1,000 per day, maximum 60 days per Policy Year
Event Benefits
Compassionate death benefit 身故保障	$80,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II)(g) Medical Devices)R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full reimbursement of Eligible Expenses; Coinsurance: 0%R&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible ExpensesR&C
(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
Full reimbursement of Eligible Expenses• Up to 1 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments
(l) 精神科治療
$40,000 per Policy Year

Extra Benefits

Private nursing fee (during Confinement)
私家看護費
Full reimbursement of Eligible Expenses, maximum 60 days per Policy YearR&C
Daily post-surgery home nursing benefit
家中看護津貼
Full reimbursement of Eligible Expenses, maximum 60 days per Policy YearR&C
Hospital companion bed fee reimbursement
住院陪床
Full reimbursement of Eligible ExpensesR&C
Outpatient kidney dialysis
洗腎保障
Full reimbursement of Eligible ExpensesR&C
Reconstructive surgery for specified conditions
矯形手術保障
Per Accident / per mastectomy: $200,000
Complications of pregnancy
妊娠併發症保障
Full reimbursement of Eligible ExpensesR&C
Medical implants / prosthetic devices
醫療裝置
Specified medical devices: Full reimbursement of Eligible Expenses; other medical devices: $100,000 per Policy YearR&C
Organ transplant donor benefit
在生器官捐贈者之移植手術費用
30% of the total organ transplant surgery cost
Cancer / cardiac / stroke rehabilitation benefit
復康中心及其相關治療
$80,000 per Policy Year, maximum 60 days per Policy Year
Post-Confinement / Day Case Procedure auxiliary therapy
輔助服務
$30,000 per Policy Year, up to 1 visit(s) per day combined within 90 days after discharge from Hospital or completion of Day Case Procedure• Consultations and/or treatments by physiotherapist/chiropractor/speech therapist/occupational therapist:- $1,000 per day- Maximum 30 days per Policy Year• Consultations and treatments by Chinese medicine practitioner, and/or medications prescribed:- $600 per day- Maximum 15 days per Policy Year
Hospice and palliative care benefit
善終院舍護理服務
$80,000 per Policy Year
Emergency outpatient treatment for Accident
緊急意外門診治療保障
Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only)
緊急門診牙科治療保障
Full reimbursement of Eligible Expenses within 2 weeks of the AccidentR&C

Cash Benefits

Day surgery cash benefit
日間手術現金保障
$1,600 per surgery, maximum 1 surgeries per Policy Year
Lower ward class cash benefit
香港病房級別下調現金保障
$1,000 per day, maximum 60 days per Policy Year

Event Benefits

Compassionate death benefit
身故保障
$80,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
3 yrs	5%
4 yrs	10%
5 yrs	15%

Verbatim clause

無索償保費折扣補充文件此文件為條款及保障第三部分保費條文提供補充資料。 1. 無索償保費折扣按本條款及保障，在本條款及保障生效期間，如於緊接一個續保日前的一段連續時段符合下列所有條件 (「要求」)，於該續保日開始的保單年度就本條款及保障的所需保費可獲扣減無索償保費折扣： (a) 於緊接該續保日前的時段內，並沒有為受保人就本條款及保障支付賠償；及 (b) 本條款及保障於該段緊接續保日前的時段內維持生效。於本保單可否獲得無索償保費折扣會於每個續保日釐定，無索償保費折扣相等於無索償保費折扣率乘以該續保日前的保單年度就本條款及保障的所需每年保費。無索償保費折扣率將根據以下比率釐定：在已符合上述所有要求的時段無索償保費折扣率連續三個保單年度 5% 連續四個保單年度 10% 連續五個保單年度或以上 15% 當釐定無索償保費折扣後，在該續保日開始的保單年度本保單的所需保費將根據繳付保費的頻率按比例獲扣減無索償保費折扣。若本保單被終止，任何未給付之無索償保費折扣將會作廢。就釐定無索償保費折扣而言，本條款及保障之任何賠償會按以下計算所屬的保單年度： (a) 如受保人住院，以該次住院的入院日期計算；或 (b) 如受保人以日症病人身份接受醫療服務，以該次接受醫療服務的日期計算。在已給付無索償保費折扣後，如本公司就過往任何保單年度的索償而支付保障，所有已給付的無索償保費折扣將會被重新計算(有支付保障的保單年度將不會被計入無索償時段)，而任何重新計算之金額及保單持有人實際所得之無索償保費折扣金額的差額將根據要求立即全額償還給本公司。 2. 釋義本無索償保費折扣補充文件中使用的字詞及表述必須按照以下所述解釋 – 「每年保費」是指保單資料頁、補充文件及/或條款及保障第四部分第3節所指的續保通知內載明的「每年保費」。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00065/F00065-01-000-02-PlanDoc-c.pdf

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$4,621
1	HK$4,541
2	HK$4,463
3	HK$4,356
4	HK$4,246
5	HK$4,137
6	HK$4,029
7	HK$3,921
8	HK$3,887
9	HK$3,858
10	HK$3,830
11	HK$3,802
12	HK$3,771
13	HK$3,743
14	HK$3,715
15	HK$3,685
16	HK$3,635
17	HK$3,582
18	HK$3,532
19	HK$3,478
20	HK$3,462
21	HK$3,415
22	HK$3,368
23	HK$3,568
24	HK$3,769
25	HK$3,969
26	HK$4,175
27	HK$4,378
28	HK$4,583
29	HK$4,721
30	HK$4,833
31	HK$4,972
32	HK$5,112
33	HK$5,253
34	HK$5,304
35	HK$5,355
36	HK$5,409
37	HK$5,458
38	HK$5,512
39	HK$5,781
40	HK$6,050
41	HK$6,333
42	HK$6,618
43	HK$6,903
44	HK$7,217
45	HK$7,536
46	HK$7,853
47	HK$8,175
48	HK$8,500
49	HK$8,903
50	HK$9,360
51	HK$9,754
52	HK$10,149
53	HK$10,545
54	HK$11,141
55	HK$11,740
56	HK$12,341
57	HK$12,945
58	HK$13,547
59	HK$14,535
60	HK$15,545
61	HK$16,545
62	HK$17,552
63	HK$18,558
64	HK$19,740
65	HK$20,941
66	HK$22,130
67	HK$23,337
68	HK$24,537
69	HK$25,422
70	HK$26,027
71	HK$26,885
72	HK$27,741
73	HK$28,586
74	HK$29,588
75	HK$30,585
76	HK$31,585
77	HK$32,591
78	HK$33,593
79	HK$34,776
80	HK$35,153
81	HK$36,022
82	HK$37,080
83	HK$38,131
84	HK$39,652
85	HK$40,631
86	HK$41,870
87	HK$43,103
88	HK$44,332
89	HK$45,786
90	HK$46,378
91	HK$47,708
92	HK$49,197
93	HK$50,684
94	HK$52,006
95	HK$53,330
96	HK$54,650
97	HK$55,986
98	HK$57,307
99	HK$57,307

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

HK$0

View details →

HK$15K

View details →

HK$30K

View details →

HK$100K

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: 2026-04-17

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.