TaxVantage PrimeChoice Medical Plan - Plan 3

「稅」優選醫療計劃 - 計劃 3

TaxVantage PrimeChoice Medical Plan - Plan 3 is a VHIS Flexi plan offered by YF Life Insurance International Limited, with ward class Standard Private Room, Worldwide coverage and HK$2,000,000 annual benefit limit. Latest plan-document version: Jan 1, 2026.

Data version: Jan 1, 2026

Your premium

HK$9,419 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$2,000,000

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	$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$35,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$3,700 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$10,000 per Policy Year
(e) Intensive care (e) 深切治療	$11,000 per day, maximum 120 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 12,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$ 30,000
Surgeon's fee — Major 外科醫生費 — 大型	$ 60,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$120,000
(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	$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$124,000 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	$1,400, per visit, $7,700 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	$60,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 家中看護津貼	$1,800 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis 洗腎保障	$90,000 per 10-year period
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$1,000 per day, maximum 180 days per Policy Year
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$1,200 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 身故保障	$15,000
Medical accident and incident extension benefit 醫療意外事故保障	$250,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$35,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$3,700 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$10,000 per Policy Year
(e) Intensive care
(e) 深切治療
$11,000 per day, maximum 120 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 12,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$ 30,000
Surgeon's fee — Major
外科醫生費 — 大型
$ 60,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$120,000
(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
$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$124,000 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
$1,400, per visit, $7,700 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
$60,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
家中看護津貼
$1,800 per day, maximum 60 days per Policy Year
Outpatient kidney dialysis
洗腎保障
$90,000 per 10-year period

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$1,000 per day, maximum 180 days per Policy Year
Second-claim cash allowanceAfter other pays
第二索償現金津貼
$1,200 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
身故保障
$15,000
Medical accident and incident extension benefit
醫療意外事故保障
$250,000

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$12,024	HK$10,149
1	HK$11,546	HK$9,870
2	HK$11,068	HK$9,591
3	HK$10,591	HK$9,312
4	HK$10,115	HK$9,031
5	HK$9,636	HK$8,750
6	HK$9,226	HK$8,467
7	HK$8,818	HK$8,185
8	HK$8,410	HK$7,904
9	HK$8,002	HK$7,620
10	HK$7,592	HK$7,338
11	HK$7,578	HK$7,293
12	HK$7,567	HK$7,249
13	HK$7,555	HK$7,203
14	HK$7,541	HK$7,159
15	HK$7,529	HK$7,114
16	HK$7,633	HK$7,531
17	HK$7,738	HK$7,949
18	HK$7,925	HK$8,366
19	HK$8,124	HK$8,676
20	HK$8,329	HK$8,901
21	HK$8,495	HK$9,392
22	HK$8,667	HK$9,770
23	HK$8,845	HK$10,045
24	HK$9,027	HK$10,410
25	HK$9,211	HK$10,702
26	HK$9,242	HK$10,908
27	HK$9,267	HK$11,202
28	HK$9,298	HK$11,483
29	HK$9,349	HK$11,756
30	HK$9,419	HK$12,020
31	HK$9,763	HK$12,458
32	HK$10,102	HK$12,903
33	HK$10,459	HK$13,393
34	HK$10,765	HK$13,923
35	HK$11,145	HK$14,497
36	HK$11,163	HK$15,017
37	HK$11,368	HK$15,583
38	HK$11,711	HK$16,293
39	HK$12,131	HK$16,950
40	HK$12,677	HK$17,623
41	HK$13,297	HK$18,055
42	HK$13,956	HK$18,637
43	HK$14,668	HK$19,230
44	HK$15,318	HK$20,040
45	HK$15,656	HK$20,855
46	HK$16,574	HK$21,586
47	HK$17,531	HK$22,093
48	HK$18,415	HK$22,548
49	HK$19,257	HK$22,992
50	HK$19,814	HK$23,396
51	HK$21,071	HK$23,889
52	HK$22,142	HK$24,352
53	HK$23,213	HK$24,795
54	HK$24,305	HK$25,218
55	HK$25,414	HK$25,620
56	HK$26,846	HK$26,443
57	HK$28,368	HK$27,283
58	HK$29,976	HK$28,208
59	HK$31,654	HK$29,133
60	HK$33,414	HK$30,059
61	HK$35,422	HK$31,342
62	HK$37,480	HK$32,684
63	HK$39,651	HK$34,101
64	HK$41,875	HK$36,246
65	HK$44,165	HK$38,614
66	HK$46,127	HK$40,843
67	HK$48,181	HK$43,156
68	HK$50,281	HK$45,588
69	HK$53,543	HK$48,286
70	HK$57,112	HK$51,053
71	HK$58,426	HK$51,327
72	HK$59,805	HK$51,616
73	HK$61,232	HK$51,932
74	HK$62,577	HK$52,225
75	HK$63,585	HK$52,460
76	HK$64,602	HK$52,690
77	HK$65,613	HK$52,926
78	HK$66,641	HK$53,166
79	HK$67,678	HK$53,408
80	HK$69,081	HK$53,652
81	HK$70,270	HK$53,923
82	HK$71,426	HK$54,181
83	HK$72,519	HK$54,428
84	HK$73,634	HK$54,680
85	HK$74,596	HK$54,887
86	HK$75,017	HK$54,975
87	HK$75,448	HK$55,060
88	HK$75,860	HK$55,152
89	HK$76,295	HK$55,244
90	HK$76,738	HK$55,333
91	HK$77,174	HK$55,429
92	HK$77,631	HK$55,521
93	HK$78,072	HK$55,614
94	HK$78,525	HK$55,708
95	HK$79,000	HK$55,807
96	HK$79,455	HK$55,903
97	HK$79,938	HK$56,001
98	HK$80,408	HK$56,099
99	HK$80,902	HK$56,197

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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.