TaxVantage PrimeChoice Medical Plan - Plan 1

「稅」優選醫療計劃 - 計劃 1

TaxVantage PrimeChoice Medical Plan - Plan 1 is a VHIS Flexi plan offered by YF Life Insurance International Limited, with ward class Ward, Worldwide coverage and HK$550,000 annual benefit limit. Latest plan-document version: Jan 1, 2026.

Data version: Jan 1, 2026

Your premium

HK$2,890 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$550,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

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	$1,000 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 90 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	$15,000
Surgeon's fee — Major 外科醫生費 — 大型	$30,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$60,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% 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 Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up 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	$400 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	$400 per day, maximum 180 days per Policy Year
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$300 per day, maximum 90 days per Policy Year
Event Benefits
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
$1,000 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 90 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
$15,000
Surgeon's fee — Major
外科醫生費 — 大型
$30,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$60,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% 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 Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up 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
$400 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
$400 per day, maximum 180 days per Policy Year
Second-claim cash allowanceAfter other pays
第二索償現金津貼
$300 per day, maximum 90 days per Policy Year

Event Benefits

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

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) 受保人於本條款及保障內沒有屬於緊接該續保日前的該段時段的已支付賠償；及 (b) 本條款及保障於該段緊接續保日前的時段生效。受保人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的之前一年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期間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列明為「每年保費」的保費金額。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00080/F00080-01-000-01-PlanDoc-c.pdf

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$3,689	HK$3,114
1	HK$3,543	HK$3,028
2	HK$3,395	HK$2,942
3	HK$3,249	HK$2,857
4	HK$3,103	HK$2,770
5	HK$2,957	HK$2,685
6	HK$2,831	HK$2,597
7	HK$2,705	HK$2,512
8	HK$2,580	HK$2,425
9	HK$2,455	HK$2,338
10	HK$2,329	HK$2,251
11	HK$2,325	HK$2,238
12	HK$2,322	HK$2,224
13	HK$2,318	HK$2,210
14	HK$2,314	HK$2,196
15	HK$2,310	HK$2,182
16	HK$2,342	HK$2,311
17	HK$2,374	HK$2,439
18	HK$2,431	HK$2,566
19	HK$2,492	HK$2,662
20	HK$2,555	HK$2,731
21	HK$2,606	HK$2,881
22	HK$2,659	HK$2,997
23	HK$2,714	HK$3,081
24	HK$2,769	HK$3,193
25	HK$2,826	HK$3,283
26	HK$2,835	HK$3,347
27	HK$2,843	HK$3,437
28	HK$2,853	HK$3,523
29	HK$2,868	HK$3,607
30	HK$2,890	HK$3,688
31	HK$2,995	HK$3,822
32	HK$3,099	HK$3,959
33	HK$3,209	HK$4,108
34	HK$3,303	HK$4,271
35	HK$3,419	HK$4,447
36	HK$3,424	HK$4,607
37	HK$3,487	HK$4,781
38	HK$3,592	HK$4,998
39	HK$3,722	HK$5,200
40	HK$3,889	HK$5,406
41	HK$4,079	HK$5,539
42	HK$4,281	HK$5,717
43	HK$4,500	HK$5,899
44	HK$4,699	HK$6,148
45	HK$4,802	HK$6,398
46	HK$5,085	HK$6,622
47	HK$5,378	HK$6,777
48	HK$5,649	HK$6,917
49	HK$5,908	HK$7,053
50	HK$6,079	HK$7,177
51	HK$6,464	HK$7,328
52	HK$6,792	HK$7,470
53	HK$7,121	HK$7,606
54	HK$7,456	HK$7,736
55	HK$7,797	HK$7,859
56	HK$8,235	HK$8,112
57	HK$8,702	HK$8,369
58	HK$9,195	HK$8,654
59	HK$9,710	HK$8,937
60	HK$10,250	HK$9,221
61	HK$10,866	HK$9,615
62	HK$11,497	HK$10,027
63	HK$12,164	HK$10,461
64	HK$12,846	HK$11,119
65	HK$13,548	HK$11,845
66	HK$14,150	HK$12,528
67	HK$14,780	HK$13,238
68	HK$15,424	HK$13,985
69	HK$16,425	HK$14,812
70	HK$17,520	HK$15,661
71	HK$17,922	HK$15,745
72	HK$18,346	HK$15,834
73	HK$18,784	HK$15,930
74	HK$19,196	HK$16,020
75	HK$19,505	HK$16,092
76	HK$19,817	HK$16,163
77	HK$20,127	HK$16,235
78	HK$20,442	HK$16,308
79	HK$20,760	HK$16,384
80	HK$21,191	HK$16,458
81	HK$21,555	HK$16,541
82	HK$21,910	HK$16,621
83	HK$22,245	HK$16,696
84	HK$22,587	HK$16,773
85	HK$22,883	HK$16,837
86	HK$23,012	HK$16,864
87	HK$23,144	HK$16,890
88	HK$23,270	HK$16,918
89	HK$23,403	HK$16,946
90	HK$23,539	HK$16,974
91	HK$23,673	HK$17,003
92	HK$23,813	HK$17,032
93	HK$23,949	HK$17,060
94	HK$24,088	HK$17,089
95	HK$24,233	HK$17,119
96	HK$24,373	HK$17,148
97	HK$24,521	HK$17,179
98	HK$24,666	HK$17,209
99	HK$24,817	HK$17,239

Other deductible options in this series

8 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.