TaxVantage PrimeChoice Medical Plan - Plan 3M

「稅」優選醫療計劃 - 計劃 3M

TaxVantage PrimeChoice Medical Plan - Plan 3M 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$14,490 /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

HK$400,000／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	$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$18,498	HK$15,614
1	HK$17,763	HK$15,185
2	HK$17,027	HK$14,754
3	HK$16,293	HK$14,325
4	HK$15,561	HK$13,892
5	HK$14,825	HK$13,462
6	HK$14,194	HK$13,026
7	HK$13,566	HK$12,592
8	HK$12,938	HK$12,159
9	HK$12,310	HK$11,723
10	HK$11,679	HK$11,289
11	HK$11,659	HK$11,219
12	HK$11,642	HK$11,151
13	HK$11,622	HK$11,081
14	HK$11,601	HK$11,014
15	HK$11,582	HK$10,943
16	HK$11,742	HK$11,585
17	HK$11,904	HK$12,230
18	HK$12,193	HK$12,871
19	HK$12,499	HK$13,348
20	HK$12,814	HK$13,693
21	HK$13,069	HK$14,449
22	HK$13,334	HK$15,030
23	HK$13,607	HK$15,454
24	HK$13,888	HK$16,014
25	HK$14,170	HK$16,464
26	HK$14,218	HK$16,782
27	HK$14,258	HK$17,232
28	HK$14,305	HK$17,666
29	HK$14,382	HK$18,085
30	HK$14,490	HK$18,492
31	HK$15,020	HK$19,167
32	HK$15,540	HK$19,852
33	HK$16,091	HK$20,604
34	HK$16,561	HK$21,420
35	HK$17,146	HK$22,303
36	HK$17,173	HK$23,102
37	HK$17,488	HK$23,975
38	HK$18,015	HK$25,067
39	HK$18,663	HK$26,077
40	HK$19,503	HK$27,111
41	HK$20,456	HK$27,777
42	HK$21,470	HK$28,673
43	HK$22,565	HK$29,583
44	HK$23,566	HK$30,831
45	HK$24,086	HK$32,084
46	HK$25,499	HK$33,209
47	HK$26,970	HK$33,988
48	HK$28,331	HK$34,690
49	HK$29,626	HK$35,372
50	HK$30,482	HK$35,993
51	HK$32,417	HK$36,752
52	HK$34,066	HK$37,464
53	HK$35,711	HK$38,146
54	HK$37,393	HK$38,796
55	HK$39,098	HK$39,414
56	HK$41,301	HK$40,680
57	HK$43,642	HK$41,973
58	HK$46,117	HK$43,396
59	HK$48,699	HK$44,820
60	HK$51,405	HK$46,244
61	HK$54,495	HK$48,219
62	HK$57,661	HK$50,284
63	HK$61,001	HK$52,463
64	HK$64,423	HK$55,764
65	HK$67,945	HK$59,407
66	HK$70,964	HK$62,835
67	HK$74,124	HK$66,394
68	HK$77,355	HK$70,135
69	HK$82,374	HK$74,285
70	HK$87,864	HK$78,543
71	HK$89,886	HK$78,965
72	HK$92,007	HK$79,409
73	HK$94,203	HK$79,896
74	HK$96,272	HK$80,346
75	HK$97,824	HK$80,708
76	HK$99,388	HK$81,061
77	HK$100,943	HK$81,424
78	HK$102,525	HK$81,793
79	HK$104,119	HK$82,166
80	HK$106,278	HK$82,542
81	HK$108,108	HK$82,959
82	HK$109,885	HK$83,354
83	HK$111,567	HK$83,734
84	HK$113,283	HK$84,124
85	HK$114,763	HK$84,442
86	HK$115,411	HK$84,577
87	HK$116,073	HK$84,708
88	HK$116,708	HK$84,849
89	HK$117,376	HK$84,990
90	HK$118,057	HK$85,128
91	HK$118,729	HK$85,275
92	HK$119,431	HK$85,416
93	HK$120,112	HK$85,561
94	HK$120,807	HK$85,705
95	HK$121,539	HK$85,856
96	HK$122,238	HK$86,003
97	HK$122,980	HK$86,155
98	HK$123,706	HK$86,306
99	HK$124,464	HK$86,457

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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1M+

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Current page

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.