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$600,000 annual benefit limit. Latest plan-document version: Jan 1, 2026.

Data version: Jan 1, 2026

Your premium

HK$5,214 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$600,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$120,000／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	$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$16,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$8,000 per Policy Year
(e) Intensive care (e) 深切治療	$5,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 7,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$17,500
Surgeon's fee — Major 外科醫生費 — 大型	$35,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$70,000
(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	$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$82,000 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	$600, per visit, $3,300 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	$34,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 家中看護津貼	$600 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis 洗腎保障	$30,000 per 10-year period
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$600 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	$175,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$16,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$8,000 per Policy Year
(e) Intensive care
(e) 深切治療
$5,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 7,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$17,500
Surgeon's fee — Major
外科醫生費 — 大型
$35,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$70,000
(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
$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$82,000 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
$600, per visit, $3,300 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
$34,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
家中看護津貼
$600 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis
洗腎保障
$30,000 per 10-year period

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$600 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
$175,000

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$6,656	HK$5,619
1	HK$6,392	HK$5,464
2	HK$6,127	HK$5,309
3	HK$5,862	HK$5,155
4	HK$5,600	HK$4,999
5	HK$5,335	HK$4,845
6	HK$5,107	HK$4,687
7	HK$4,882	HK$4,531
8	HK$4,656	HK$4,376
9	HK$4,429	HK$4,218
10	HK$4,203	HK$4,063
11	HK$4,196	HK$4,037
12	HK$4,190	HK$4,013
13	HK$4,182	HK$3,988
14	HK$4,175	HK$3,964
15	HK$4,168	HK$3,938
16	HK$4,226	HK$4,169
17	HK$4,283	HK$4,401
18	HK$4,387	HK$4,631
19	HK$4,497	HK$4,803
20	HK$4,611	HK$4,928
21	HK$4,702	HK$5,200
22	HK$4,798	HK$5,408
23	HK$4,896	HK$5,560
24	HK$4,998	HK$5,762
25	HK$5,099	HK$5,924
26	HK$5,117	HK$6,039
27	HK$5,131	HK$6,201
28	HK$5,147	HK$6,357
29	HK$5,175	HK$6,508
30	HK$5,214	HK$6,654
31	HK$5,405	HK$6,897
32	HK$5,592	HK$7,144
33	HK$5,790	HK$7,414
34	HK$5,959	HK$7,708
35	HK$6,169	HK$8,025
36	HK$6,179	HK$8,313
37	HK$6,293	HK$8,627
38	HK$6,482	HK$9,020
39	HK$6,716	HK$9,384
40	HK$7,018	HK$9,756
41	HK$7,361	HK$9,995
42	HK$7,725	HK$10,317
43	HK$8,120	HK$10,645
44	HK$8,479	HK$11,095
45	HK$8,667	HK$11,545
46	HK$9,176	HK$11,950
47	HK$9,705	HK$12,230
48	HK$10,194	HK$12,482
49	HK$10,661	HK$12,728
50	HK$10,969	HK$12,952
51	HK$11,664	HK$13,225
52	HK$12,257	HK$13,480
53	HK$12,850	HK$13,726
54	HK$13,455	HK$13,960
55	HK$14,069	HK$14,183
56	HK$14,861	HK$14,638
57	HK$15,704	HK$15,103
58	HK$16,594	HK$15,615
59	HK$17,523	HK$16,127
60	HK$18,497	HK$16,640
61	HK$19,609	HK$17,351
62	HK$20,748	HK$18,093
63	HK$21,950	HK$18,877
64	HK$23,182	HK$20,065
65	HK$24,449	HK$21,376
66	HK$25,535	HK$22,610
67	HK$26,671	HK$23,890
68	HK$27,834	HK$25,237
69	HK$29,641	HK$26,730
70	HK$31,615	HK$28,262
71	HK$32,344	HK$28,414
72	HK$33,107	HK$28,574
73	HK$33,897	HK$28,749
74	HK$34,641	HK$28,911
75	HK$35,200	HK$29,041
76	HK$35,762	HK$29,168
77	HK$36,321	HK$29,299
78	HK$36,891	HK$29,432
79	HK$37,465	HK$29,566
80	HK$38,241	HK$29,701
81	HK$38,901	HK$29,851
82	HK$39,539	HK$29,993
83	HK$40,145	HK$30,130
84	HK$40,762	HK$30,270
85	HK$41,294	HK$30,384
86	HK$41,528	HK$30,433
87	HK$41,766	HK$30,480
88	HK$41,995	HK$30,531
89	HK$42,235	HK$30,581
90	HK$42,480	HK$30,631
91	HK$42,722	HK$30,684
92	HK$42,974	HK$30,735
93	HK$43,219	HK$30,787
94	HK$43,470	HK$30,839
95	HK$43,733	HK$30,893
96	HK$43,985	HK$30,947
97	HK$44,251	HK$31,000
98	HK$44,512	HK$31,055
99	HK$44,785	HK$31,110

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

View details →

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.