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VHIS Flexi · F00065-03-000-02

TaxVantage Prestige Medical Plan - HKD30,000 Deductible

「稅」卓越醫療計劃 - 30,000 港元自付費

TaxVantage Prestige Medical Plan - HKD30,000 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$30,000 deductible. Latest plan-document version: Jan 1, 2026.

Data version: Jan 1, 2026

Your premium

HK$6,711 /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$30,000

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$6,668
1	HK$6,541
2	HK$6,417
3	HK$6,250
4	HK$6,080
5	HK$5,908
6	HK$5,739
7	HK$5,573
8	HK$5,521
9	HK$5,466
10	HK$5,416
11	HK$5,367
12	HK$5,321
13	HK$5,272
14	HK$5,225
15	HK$5,179
16	HK$5,096
17	HK$5,012
18	HK$4,929
19	HK$4,849
20	HK$4,812
21	HK$4,728
22	HK$4,648
23	HK$4,936
24	HK$5,222
25	HK$5,507
26	HK$5,792
27	HK$6,079
28	HK$6,363
29	HK$6,551
30	HK$6,711
31	HK$6,908
32	HK$7,104
33	HK$7,298
34	HK$7,366
35	HK$7,434
36	HK$7,506
37	HK$7,574
38	HK$7,643
39	HK$8,023
40	HK$8,402
41	HK$8,796
42	HK$9,187
43	HK$9,584
44	HK$10,016
45	HK$10,453
46	HK$10,887
47	HK$11,329
48	HK$11,768
49	HK$12,326
50	HK$12,942
51	HK$13,490
52	HK$14,044
53	HK$14,597
54	HK$15,434
55	HK$16,277
56	HK$17,117
57	HK$17,961
58	HK$18,806
59	HK$20,190
60	HK$21,596
61	HK$22,989
62	HK$24,387
63	HK$25,784
64	HK$27,426
65	HK$29,086
66	HK$30,738
67	HK$32,404
68	HK$34,059
69	HK$35,274
70	HK$36,124
71	HK$37,534
72	HK$38,955
73	HK$40,374
74	HK$42,028
75	HK$43,695
76	HK$45,383
77	HK$47,088
78	HK$48,812
79	HK$50,812
80	HK$51,645
81	HK$52,936
82	HK$54,508
83	HK$56,071
84	HK$57,939
85	HK$59,787
86	HK$61,625
87	HK$63,460
88	HK$65,289
89	HK$67,449
90	HK$68,338
91	HK$70,307
92	HK$72,514
93	HK$74,715
94	HK$76,673
95	HK$78,636
96	HK$80,589
97	HK$82,565
98	HK$84,525
99	HK$84,525

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

Current page

HK$100K

View details →

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.