TaxVantage PrimeChoice Medical Plan - Plan 1M

「稅」優選醫療計劃 - 計劃 1M

TaxVantage PrimeChoice Medical Plan - Plan 1M 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$4,445 /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

HK$100,000／per policy year, 20% coinsurance

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$5,675	HK$4,790
1	HK$5,449	HK$4,658
2	HK$5,224	HK$4,526
3	HK$4,998	HK$4,394
4	HK$4,774	HK$4,262
5	HK$4,548	HK$4,130
6	HK$4,354	HK$3,996
7	HK$4,162	HK$3,863
8	HK$3,969	HK$3,730
9	HK$3,776	HK$3,596
10	HK$3,583	HK$3,463
11	HK$3,577	HK$3,442
12	HK$3,572	HK$3,421
13	HK$3,565	HK$3,399
14	HK$3,559	HK$3,379
15	HK$3,553	HK$3,357
16	HK$3,602	HK$3,554
17	HK$3,652	HK$3,752
18	HK$3,740	HK$3,948
19	HK$3,834	HK$4,095
20	HK$3,931	HK$4,201
21	HK$4,009	HK$4,433
22	HK$4,091	HK$4,611
23	HK$4,174	HK$4,741
24	HK$4,261	HK$4,913
25	HK$4,347	HK$5,051
26	HK$4,362	HK$5,148
27	HK$4,374	HK$5,286
28	HK$4,388	HK$5,419
29	HK$4,412	HK$5,548
30	HK$4,445	HK$5,673
31	HK$4,608	HK$5,880
32	HK$4,767	HK$6,090
33	HK$4,936	HK$6,321
34	HK$5,080	HK$6,571
35	HK$5,260	HK$6,842
36	HK$5,268	HK$7,087
37	HK$5,365	HK$7,355
38	HK$5,526	HK$7,689
39	HK$5,725	HK$7,999
40	HK$5,983	HK$8,317
41	HK$6,275	HK$8,521
42	HK$6,586	HK$8,796
43	HK$6,922	HK$9,075
44	HK$7,229	HK$9,458
45	HK$7,389	HK$9,842
46	HK$7,822	HK$10,187
47	HK$8,273	HK$10,426
48	HK$8,691	HK$10,641
49	HK$9,088	HK$10,851
50	HK$9,351	HK$11,041
51	HK$9,944	HK$11,274
52	HK$10,450	HK$11,492
53	HK$10,955	HK$11,701
54	HK$11,471	HK$11,901
55	HK$11,994	HK$12,091
56	HK$12,669	HK$12,479
57	HK$13,387	HK$12,875
58	HK$14,147	HK$13,312
59	HK$14,939	HK$13,749
60	HK$15,769	HK$14,186
61	HK$16,716	HK$14,791
62	HK$17,688	HK$15,425
63	HK$18,713	HK$16,093
64	HK$19,762	HK$17,106
65	HK$20,843	HK$18,223
66	HK$21,769	HK$19,275
67	HK$22,738	HK$20,367
68	HK$23,729	HK$21,514
69	HK$25,268	HK$22,787
70	HK$26,953	HK$24,093
71	HK$27,573	HK$24,223
72	HK$28,224	HK$24,359
73	HK$28,897	HK$24,508
74	HK$29,532	HK$24,646
75	HK$30,007	HK$24,758
76	HK$30,487	HK$24,866
77	HK$30,964	HK$24,977
78	HK$31,449	HK$25,090
79	HK$31,939	HK$25,205
80	HK$32,601	HK$25,320
81	HK$33,162	HK$25,448
82	HK$33,707	HK$25,569
83	HK$34,223	HK$25,686
84	HK$34,750	HK$25,805
85	HK$35,204	HK$25,903
86	HK$35,403	HK$25,944
87	HK$35,606	HK$25,984
88	HK$35,800	HK$26,028
89	HK$36,005	HK$26,071
90	HK$36,214	HK$26,113
91	HK$36,420	HK$26,158
92	HK$36,636	HK$26,202
93	HK$36,845	HK$26,246
94	HK$37,058	HK$26,290
95	HK$37,282	HK$26,337
96	HK$37,497	HK$26,382
97	HK$37,724	HK$26,428
98	HK$37,947	HK$26,475
99	HK$38,180	HK$26,521

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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1M+

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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.