TaxVantage PrimeChoice Medical Plan - Plan 1+

「稅」優選醫療計劃 - 計劃 1+

YF Life Insurance International Limited

Add to compare

Your premium

HK$3,389 /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

—

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 YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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 YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$4,326	HK$3,653
1	HK$4,154	HK$3,552
2	HK$3,982	HK$3,451
3	HK$3,810	HK$3,351
4	HK$3,639	HK$3,249
5	HK$3,467	HK$3,149
6	HK$3,320	HK$3,047
7	HK$3,173	HK$2,945
8	HK$3,027	HK$2,844
9	HK$2,879	HK$2,742
10	HK$2,732	HK$2,641
11	HK$2,727	HK$2,624
12	HK$2,724	HK$2,608
13	HK$2,719	HK$2,592
14	HK$2,714	HK$2,577
15	HK$2,709	HK$2,560
16	HK$2,746	HK$2,710
17	HK$2,785	HK$2,861
18	HK$2,852	HK$3,010
19	HK$2,924	HK$3,122
20	HK$2,997	HK$3,204
21	HK$3,057	HK$3,380
22	HK$3,119	HK$3,516
23	HK$3,182	HK$3,615
24	HK$3,249	HK$3,746
25	HK$3,315	HK$3,851
26	HK$3,326	HK$3,926
27	HK$3,336	HK$4,031
28	HK$3,346	HK$4,132
29	HK$3,364	HK$4,231
30	HK$3,389	HK$4,325
31	HK$3,514	HK$4,483
32	HK$3,635	HK$4,644
33	HK$3,764	HK$4,820
34	HK$3,873	HK$5,010
35	HK$4,010	HK$5,216
36	HK$4,016	HK$5,404
37	HK$4,091	HK$5,608
38	HK$4,213	HK$5,863
39	HK$4,366	HK$6,100
40	HK$4,561	HK$6,341
41	HK$4,785	HK$6,497
42	HK$5,022	HK$6,706
43	HK$5,278	HK$6,919
44	HK$5,512	HK$7,212
45	HK$5,634	HK$7,504
46	HK$5,964	HK$7,768
47	HK$6,308	HK$7,949
48	HK$6,626	HK$8,114
49	HK$6,930	HK$8,273
50	HK$7,130	HK$8,419
51	HK$7,582	HK$8,596
52	HK$7,968	HK$8,763
53	HK$8,353	HK$8,922
54	HK$8,746	HK$9,074
55	HK$9,145	HK$9,219
56	HK$9,660	HK$9,515
57	HK$10,208	HK$9,817
58	HK$10,787	HK$10,150
59	HK$11,390	HK$10,483
60	HK$12,024	HK$10,817
61	HK$12,746	HK$11,278
62	HK$13,486	HK$11,761
63	HK$14,268	HK$12,271
64	HK$15,068	HK$13,042
65	HK$15,891	HK$13,894
66	HK$16,598	HK$14,697
67	HK$17,336	HK$15,529
68	HK$18,092	HK$16,404
69	HK$19,267	HK$17,375
70	HK$20,550	HK$18,371
71	HK$21,024	HK$18,469
72	HK$21,519	HK$18,573
73	HK$22,033	HK$18,687
74	HK$22,517	HK$18,792
75	HK$22,880	HK$18,877
76	HK$23,246	HK$18,960
77	HK$23,609	HK$19,044
78	HK$23,979	HK$19,131
79	HK$24,352	HK$19,218
80	HK$24,857	HK$19,306
81	HK$25,286	HK$19,404
82	HK$25,701	HK$19,495
83	HK$26,095	HK$19,585
84	HK$26,495	HK$19,676
85	HK$26,841	HK$19,750
86	HK$26,994	HK$19,782
87	HK$27,148	HK$19,813
88	HK$27,297	HK$19,846
89	HK$27,453	HK$19,878
90	HK$27,612	HK$19,910
91	HK$27,769	HK$19,945
92	HK$27,933	HK$19,977
93	HK$28,093	HK$20,012
94	HK$28,255	HK$20,045
95	HK$28,426	HK$20,080
96	HK$28,590	HK$20,115
97	HK$28,763	HK$20,150
98	HK$28,933	HK$20,186
99	HK$29,110	HK$20,221

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

View details →

Current page

1M+

View details →

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.