TaxVantage Prestige Medical Plan - HKD0 Deductible

「稅」卓越醫療計劃 - 0 港元自付費

YF Life Insurance International Limited

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Your premium

HK$15,307 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

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 ExpensesUp to 1 prior outpatient visits or Emergency consultations per Confinement/Day Case ProcedureUp 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 ProcedureConsultations and/or treatments by physiotherapist/chiropractor/speech therapist/occupational therapist: - $1,000 per day - Maximum 30 days per Policy YearConsultations 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 ExpensesUp to 1 prior outpatient visits or Emergency consultations per Confinement/Day Case ProcedureUp 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 ProcedureConsultations and/or treatments by physiotherapist/chiropractor/speech therapist/occupational therapist: - $1,000 per day - Maximum 30 days per Policy YearConsultations 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

Premium Schedule

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

Age	Premium
0	HK$14,674
1	HK$14,394
2	HK$14,125
3	HK$13,745
4	HK$13,363
5	HK$12,984
6	HK$12,603
7	HK$12,228
8	HK$12,117
9	HK$12,005
10	HK$11,902
11	HK$11,792
12	HK$11,687
13	HK$11,580
14	HK$11,474
15	HK$11,366
16	HK$11,181
17	HK$10,992
18	HK$10,804
19	HK$10,616
20	HK$10,502
21	HK$10,340
22	HK$10,179
23	HK$10,871
24	HK$11,570
25	HK$12,269
26	HK$12,975
27	HK$13,682
28	HK$14,391
29	HK$14,871
30	HK$15,307
31	HK$15,761
32	HK$16,216
33	HK$16,674
34	HK$16,826
35	HK$16,976
36	HK$17,131
37	HK$17,282
38	HK$17,432
39	HK$18,324
40	HK$19,212
41	HK$20,128
42	HK$21,044
43	HK$21,965
44	HK$22,977
45	HK$23,993
46	HK$25,009
47	HK$26,035
48	HK$27,057
49	HK$28,349
50	HK$29,748
51	HK$31,022
52	HK$32,298
53	HK$33,574
54	HK$35,516
55	HK$37,461
56	HK$39,405
57	HK$41,354
58	HK$43,302
59	HK$46,510
60	HK$49,737
61	HK$52,958
62	HK$56,189
63	HK$59,422
64	HK$63,211
65	HK$67,047
66	HK$70,845
67	HK$74,689
68	HK$78,498
69	HK$81,277
70	HK$83,372
71	HK$86,162
72	HK$88,951
73	HK$91,700
74	HK$94,958
75	HK$98,211
76	HK$101,469
77	HK$104,739
78	HK$108,013
79	HK$111,869
80	HK$113,125
81	HK$115,966
82	HK$119,415
83	HK$122,840
84	HK$127,799
85	HK$130,992
86	HK$135,026
87	HK$139,049
88	HK$143,053
89	HK$147,797
90	HK$149,750
91	HK$154,087
92	HK$158,935
93	HK$163,787
94	HK$168,097
95	HK$172,411
96	HK$176,709
97	HK$181,060
98	HK$185,373
99	HK$185,373

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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: 2026-04-17

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.