TaxVantage PrimeChoice Medical Plan - Plan 2

「稅」優選醫療計劃 - 計劃 2

TaxVantage PrimeChoice Medical Plan - Plan 2 is a VHIS Flexi plan offered by YF Life Insurance International Limited, with ward class Semi-Private Room, Worldwide coverage and HK$850,000 annual benefit limit. Latest plan-document version: Jan 1, 2026.

Data version: Jan 1, 2026

Your premium

HK$4,825 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$850,000

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	$2,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$21,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,800 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$8,700 per Policy Year
(e) Intensive care (e) 深切治療	$7,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 8,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$21,250
Surgeon's fee — Major 外科醫生費 — 大型	$42,500
Surgeon's fee — Complex 外科醫生費 — 複雜	$85,000
(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	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$96,000 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	$900, per visit, $4,950 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	$45,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 家中看護津貼	$900 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis 洗腎保障	$60,000 per 10-year period
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$800 per day, maximum 180 days per Policy Year
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$600 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 身故保障	$10,000
Medical accident and incident extension benefit 醫療意外事故保障	$200,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$21,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,800 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$8,700 per Policy Year
(e) Intensive care
(e) 深切治療
$7,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 8,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$21,250
Surgeon's fee — Major
外科醫生費 — 大型
$42,500
Surgeon's fee — Complex
外科醫生費 — 複雜
$85,000
(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
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$96,000 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
$900, per visit, $4,950 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
$45,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
家中看護津貼
$900 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis
洗腎保障
$60,000 per 10-year period

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$800 per day, maximum 180 days per Policy Year
Second-claim cash allowanceAfter other pays
第二索償現金津貼
$600 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
身故保障
$10,000
Medical accident and incident extension benefit
醫療意外事故保障
$200,000

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$6,160	HK$5,200
1	HK$5,915	HK$5,057
2	HK$5,671	HK$4,914
3	HK$5,426	HK$4,770
4	HK$5,181	HK$4,626
5	HK$4,936	HK$4,483
6	HK$4,726	HK$4,338
7	HK$4,518	HK$4,194
8	HK$4,309	HK$4,049
9	HK$4,099	HK$3,904
10	HK$3,889	HK$3,760
11	HK$3,883	HK$3,736
12	HK$3,877	HK$3,714
13	HK$3,870	HK$3,690
14	HK$3,864	HK$3,668
15	HK$3,857	HK$3,645
16	HK$3,910	HK$3,858
17	HK$3,964	HK$4,072
18	HK$4,061	HK$4,286
19	HK$4,162	HK$4,445
20	HK$4,267	HK$4,560
21	HK$4,352	HK$4,812
22	HK$4,441	HK$5,005
23	HK$4,531	HK$5,146
24	HK$4,625	HK$5,333
25	HK$4,719	HK$5,482
26	HK$4,734	HK$5,589
27	HK$4,748	HK$5,739
28	HK$4,763	HK$5,883
29	HK$4,789	HK$6,023
30	HK$4,825	HK$6,158
31	HK$5,002	HK$6,382
32	HK$5,175	HK$6,610
33	HK$5,359	HK$6,861
34	HK$5,515	HK$7,132
35	HK$5,710	HK$7,427
36	HK$5,719	HK$7,694
37	HK$5,824	HK$7,984
38	HK$5,999	HK$8,348
39	HK$6,214	HK$8,684
40	HK$6,495	HK$9,028
41	HK$6,812	HK$9,250
42	HK$7,150	HK$9,548
43	HK$7,514	HK$9,850
44	HK$7,847	HK$10,267
45	HK$8,020	HK$10,684
46	HK$8,491	HK$11,059
47	HK$8,981	HK$11,318
48	HK$9,434	HK$11,551
49	HK$9,866	HK$11,779
50	HK$10,151	HK$11,986
51	HK$10,795	HK$12,238
52	HK$11,344	HK$12,475
53	HK$11,892	HK$12,702
54	HK$12,452	HK$12,919
55	HK$13,020	HK$13,125
56	HK$13,753	HK$13,546
57	HK$14,532	HK$13,977
58	HK$15,356	HK$14,451
59	HK$16,217	HK$14,925
60	HK$17,118	HK$15,399
61	HK$18,146	HK$16,056
62	HK$19,201	HK$16,744
63	HK$20,313	HK$17,469
64	HK$21,452	HK$18,568
65	HK$22,624	HK$19,782
66	HK$23,631	HK$20,923
67	HK$24,682	HK$22,108
68	HK$25,758	HK$23,354
69	HK$27,429	HK$24,736
70	HK$29,258	HK$26,154
71	HK$29,930	HK$26,294
72	HK$30,638	HK$26,443
73	HK$31,368	HK$26,604
74	HK$32,057	HK$26,755
75	HK$32,573	HK$26,875
76	HK$33,094	HK$26,992
77	HK$33,612	HK$27,113
78	HK$34,139	HK$27,236
79	HK$34,670	HK$27,360
80	HK$35,389	HK$27,485
81	HK$35,999	HK$27,624
82	HK$36,590	HK$27,756
83	HK$37,151	HK$27,883
84	HK$37,721	HK$28,011
85	HK$38,215	HK$28,118
86	HK$38,431	HK$28,163
87	HK$38,651	HK$28,207
88	HK$38,861	HK$28,253
89	HK$39,085	HK$28,301
90	HK$39,311	HK$28,346
91	HK$39,535	HK$28,396
92	HK$39,769	HK$28,442
93	HK$39,995	HK$28,490
94	HK$40,227	HK$28,539
95	HK$40,471	HK$28,589
96	HK$40,703	HK$28,639
97	HK$40,950	HK$28,689
98	HK$41,192	HK$28,739
99	HK$41,445	HK$28,789

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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.