TaxVantage Medical Plan

「稅」優惠醫療計劃

TaxVantage Medical Plan is a VHIS Standard plan offered by YF Life Insurance International Limited, with no ward-class restriction, Worldwide (including United States) coverage and HK$420,000 annual benefit limit. Latest plan-document version: Jan 1, 2026.

VHIS StandardS00025-01-000-02

Plan at a glance

Ward class: No ward-class restriction
Coverage region: Worldwide (including United States)
Deductible: N/A
Annual benefit limit: HK$420,000
Per-illness annual limit: —
Lifetime benefit limit: —
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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 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	$580, per visit, $3,000 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	$30,000 per Policy Year
Event Benefits
Medical accident and incident extension benefit 醫療意外事故保障	$150,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 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
$580, per visit, $3,000 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
$30,000 per Policy Year

Event Benefits

Medical accident and incident extension benefit
醫療意外事故保障
$150,000

Premium Schedule

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

Age	Male	Female
0	HK$1,706	HK$1,811
1	HK$1,706	HK$1,811
2	HK$1,706	HK$1,811
3	HK$1,706	HK$1,811
4	HK$1,706	HK$1,811
5	HK$1,706	HK$1,811
6	HK$1,706	HK$1,811
7	HK$1,706	HK$1,811
8	HK$1,706	HK$1,811
9	HK$1,706	HK$1,811
10	HK$1,706	HK$1,811
11	HK$1,706	HK$1,811
12	HK$1,706	HK$1,811
13	HK$1,706	HK$1,811
14	HK$1,706	HK$1,811
15	HK$1,706	HK$1,811
16	HK$1,706	HK$1,811
17	HK$1,706	HK$1,811
18	HK$1,726	HK$2,122
19	HK$1,746	HK$2,197
20	HK$1,767	HK$2,252
21	HK$1,787	HK$2,398
22	HK$1,809	HK$2,521
23	HK$1,834	HK$2,617
24	HK$1,857	HK$2,741
25	HK$1,879	HK$2,848
26	HK$1,902	HK$2,930
27	HK$1,929	HK$3,038
28	HK$1,955	HK$3,146
29	HK$1,985	HK$3,253
30	HK$2,020	HK$3,360
31	HK$2,080	HK$3,467
32	HK$2,139	HK$3,576
33	HK$2,201	HK$3,696
34	HK$2,252	HK$3,828
35	HK$2,318	HK$3,968
36	HK$2,339	HK$4,115
37	HK$2,398	HK$4,276
38	HK$2,492	HK$4,477
39	HK$2,601	HK$4,662
40	HK$2,740	HK$4,855
41	HK$2,916	HK$5,016
42	HK$3,109	HK$5,224
43	HK$3,321	HK$5,436
44	HK$3,523	HK$5,716
45	HK$3,660	HK$6,000
46	HK$3,905	HK$6,316
47	HK$4,162	HK$6,575
48	HK$4,407	HK$6,831
49	HK$4,643	HK$7,089
50	HK$4,814	HK$7,344
51	HK$5,110	HK$7,584
52	HK$5,359	HK$7,821
53	HK$5,609	HK$8,057
54	HK$5,862	HK$8,292
55	HK$6,119	HK$8,525
56	HK$6,383	HK$8,764
57	HK$6,662	HK$9,006
58	HK$6,954	HK$9,273
59	HK$7,256	HK$9,537
60	HK$7,567	HK$9,803
61	HK$7,885	HK$10,072
62	HK$8,204	HK$10,351
63	HK$8,535	HK$10,647
64	HK$8,869	HK$11,156
65	HK$9,206	HK$11,719
66	HK$9,461	HK$12,295
67	HK$9,728	HK$12,882
68	HK$9,994	HK$13,498
69	HK$10,483	HK$14,178
70	HK$11,014	HK$14,872
71	HK$11,387	HK$15,329
72	HK$11,657	HK$15,777
73	HK$11,775	HK$15,998
74	HK$11,889	HK$16,160
75	HK$12,095	HK$16,191
76	HK$12,206	HK$16,239
77	HK$12,392	HK$16,285
78	HK$12,589	HK$16,326
79	HK$12,914	HK$16,349
80	HK$13,240	HK$16,358
81	HK$13,630	HK$16,368
82	HK$13,889	HK$16,376
83	HK$14,140	HK$16,384
84	HK$14,389	HK$16,394
85	HK$14,622	HK$16,402
86	HK$14,705	HK$16,410
87	HK$14,786	HK$16,420
88	HK$14,865	HK$16,428
89	HK$14,945	HK$16,435
90	HK$15,024	HK$16,445
91	HK$15,106	HK$16,454
92	HK$15,188	HK$16,463
93	HK$15,266	HK$16,471
94	HK$15,347	HK$16,480
95	HK$15,427	HK$16,489
96	HK$15,507	HK$16,497
97	HK$15,589	HK$16,506
98	HK$15,669	HK$16,514
99	HK$15,750	HK$16,523

How to apply for this plan

This plan is offered by YF Life Insurance International Limited. To apply, contact YF Life Insurance International Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jan 1, 2026
Plan data updated: 2026-04-17

TaxVantage Medical Plan

Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款