TaxVantage Prestige Medical Plan - HKD15,000 Deductible

「稅」卓越醫療計劃 - 15,000 港元自付費

YF Life Insurance International Limited

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Your premium

HK$8,662 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$15,000

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 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$8,435
1	HK$8,287
2	HK$8,144
3	HK$7,936
4	HK$7,729
5	HK$7,523
6	HK$7,316
7	HK$7,107
8	HK$7,054
9	HK$6,996
10	HK$6,943
11	HK$6,879
12	HK$6,815
13	HK$6,750
14	HK$6,686
15	HK$6,621
16	HK$6,513
17	HK$6,399
18	HK$6,267
19	HK$6,181
20	HK$6,122
21	HK$6,018
22	HK$5,918
23	HK$6,296
24	HK$6,673
25	HK$7,051
26	HK$7,431
27	HK$7,810
28	HK$8,188
29	HK$8,438
30	HK$8,662
31	HK$8,913
32	HK$9,166
33	HK$9,419
34	HK$9,501
35	HK$9,589
36	HK$9,670
37	HK$9,756
38	HK$9,839
39	HK$10,336
40	HK$10,823
41	HK$11,337
42	HK$11,853
43	HK$12,369
44	HK$12,939
45	HK$13,511
46	HK$14,084
47	HK$14,661
48	HK$15,242
49	HK$15,972
50	HK$16,766
51	HK$17,476
52	HK$18,171
53	HK$18,871
54	HK$19,942
55	HK$21,010
56	HK$22,085
57	HK$23,153
58	HK$24,227
59	HK$25,991
60	HK$27,778
61	HK$29,568
62	HK$31,361
63	HK$33,159
64	HK$35,264
65	HK$37,397
66	HK$39,508
67	HK$41,648
68	HK$43,765
69	HK$45,312
70	HK$46,444
71	HK$48,138
72	HK$49,833
73	HK$51,520
74	HK$53,500
75	HK$55,491
76	HK$57,490
77	HK$59,512
78	HK$61,539
79	HK$63,915
80	HK$64,808
81	HK$66,442
82	HK$68,420
83	HK$70,386
84	HK$72,743
85	HK$75,067
86	HK$77,384
87	HK$79,695
88	HK$81,998
89	HK$84,721
90	HK$85,846
91	HK$88,326
92	HK$91,101
93	HK$93,874
94	HK$96,341
95	HK$98,804
96	HK$101,268
97	HK$103,755
98	HK$106,218
99	HK$106,218

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4 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: 2026-04-17

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.