TaxVantage PrimeChoice Medical Plan - Plan 2M

「稅」優選醫療計劃 - 計劃 2M

TaxVantage PrimeChoice Medical Plan - Plan 2M 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$7,423 /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

HK$200,000／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	$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$9,476	HK$7,999
1	HK$9,100	HK$7,779
2	HK$8,724	HK$7,559
3	HK$8,347	HK$7,338
4	HK$7,972	HK$7,117
5	HK$7,595	HK$6,896
6	HK$7,271	HK$6,673
7	HK$6,950	HK$6,451
8	HK$6,629	HK$6,229
9	HK$6,306	HK$6,005
10	HK$5,983	HK$5,784
11	HK$5,972	HK$5,748
12	HK$5,964	HK$5,713
13	HK$5,954	HK$5,677
14	HK$5,944	HK$5,643
15	HK$5,933	HK$5,607
16	HK$6,016	HK$5,935
17	HK$6,098	HK$6,265
18	HK$6,246	HK$6,594
19	HK$6,403	HK$6,838
20	HK$6,565	HK$7,015
21	HK$6,695	HK$7,402
22	HK$6,831	HK$7,700
23	HK$6,971	HK$7,917
24	HK$7,115	HK$8,203
25	HK$7,260	HK$8,434
26	HK$7,284	HK$8,598
27	HK$7,304	HK$8,829
28	HK$7,328	HK$9,050
29	HK$7,368	HK$9,265
30	HK$7,423	HK$9,473
31	HK$7,695	HK$9,819
32	HK$7,961	HK$10,170
33	HK$8,244	HK$10,555
34	HK$8,485	HK$10,973
35	HK$8,783	HK$11,425
36	HK$8,798	HK$11,835
37	HK$8,959	HK$12,282
38	HK$9,229	HK$12,842
39	HK$9,561	HK$13,360
40	HK$9,991	HK$13,889
41	HK$10,480	HK$14,230
42	HK$10,999	HK$14,688
43	HK$11,560	HK$15,155
44	HK$12,072	HK$15,795
45	HK$12,339	HK$16,436
46	HK$13,063	HK$17,013
47	HK$13,817	HK$17,412
48	HK$14,513	HK$17,771
49	HK$15,178	HK$18,120
50	HK$15,616	HK$18,439
51	HK$16,607	HK$18,828
52	HK$17,452	HK$19,192
53	HK$18,294	HK$19,542
54	HK$19,156	HK$19,875
55	HK$20,030	HK$20,192
56	HK$21,158	HK$20,839
57	HK$22,357	HK$21,502
58	HK$23,625	HK$22,232
59	HK$24,948	HK$22,961
60	HK$26,335	HK$23,690
61	HK$27,917	HK$24,702
62	HK$29,539	HK$25,760
63	HK$31,251	HK$26,876
64	HK$33,003	HK$28,567
65	HK$34,807	HK$30,433
66	HK$36,354	HK$32,189
67	HK$37,972	HK$34,013
68	HK$39,628	HK$35,929
69	HK$42,199	HK$38,055
70	HK$45,011	HK$40,236
71	HK$46,047	HK$40,453
72	HK$47,134	HK$40,680
73	HK$48,259	HK$40,930
74	HK$49,319	HK$41,160
75	HK$50,113	HK$41,346
76	HK$50,914	HK$41,526
77	HK$51,712	HK$41,712
78	HK$52,521	HK$41,901
79	HK$53,339	HK$42,092
80	HK$54,444	HK$42,285
81	HK$55,383	HK$42,498
82	HK$56,292	HK$42,701
83	HK$57,154	HK$42,896
84	HK$58,033	HK$43,095
85	HK$58,792	HK$43,258
86	HK$59,124	HK$43,327
87	HK$59,462	HK$43,394
88	HK$59,787	HK$43,466
89	HK$60,130	HK$43,539
90	HK$60,479	HK$43,610
91	HK$60,823	HK$43,685
92	HK$61,182	HK$43,757
93	HK$61,532	HK$43,831
94	HK$61,888	HK$43,905
95	HK$62,263	HK$43,983
96	HK$62,620	HK$44,059
97	HK$63,000	HK$44,136
98	HK$63,372	HK$44,213
99	HK$63,761	HK$44,290

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.