YF Life TaxVantage Plus Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00020-04-001-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$30,304 |
| 45 | HK$53,303 |
| 60 | HK$90,441 |
| 75 | HK$148,689 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$2,000,000 |
| Lifetime limit | None |
| Room and board | HK$5,050 |
| Hospital charges | HK$35,000 |
| Doctor's visits | HK$5,050 |
| Specialist fees | HK$13,800 |
| Intensive care | HK$11,200 |
| Surgeon's fee | HK$147,500 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$40,000 |
| Non-surgical cancer treatment | HK$124,000 |
| Outpatient before and after | HK$11,550 |
| Psychiatric treatment | HK$80,000 |
Also includes home nursing, a companion bed, kidney dialysis, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.13 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.24 |
| Waiting period | none |
| Cancellation and refund | full refund within 21-day cooling-off period if no benefits paid; no refund after cooling-off period p.5 |
| Switching from another plan | possible to switch to another plan, re-underwriting may apply for upgrades, downgrades at company's discretion p.15 |
| Room class | not restricted p.19 |
| Geographical cover | worldwide, with exceptions for psychiatric treatment and day patient renal dialysis p.19 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | covered worldwide p.19 |
| Full cover on core benefits | no p.45 |
| Annual limit | 2000000 p.46 |
| Lifetime limit | none p.19 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Optional extra major medical benefit p.45 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to HKD 2,100 per visit and HKD 11,550 per policy year p.45 |
| Post-discharge outpatient | 3 visits per confinement/day case procedure within 90 days, up to HKD 2,100 per visit and HKD 11,550 per policy year p.45 |
| General outpatient | none |
| Psychiatric treatment | 80000 p.45 |
| Diagnostic imaging coinsurance | 30% p.45 |
| Non-surgical cancer treatment | 124000 p.45 |
| Kidney dialysis | HKD 120,480 per 10-year period p.45 |
| Day case procedures | covered as in-patient, subject to limits for specific items p.20 |
| Home nursing | HKD 1,365 per day, maximum 60 days per policy year p.45 |
| Hospice care | none p.29 |
| Chinese medicine | none p.25 |
| Physiotherapy | covered during confinement under miscellaneous charges (HKD 35,000 per policy year); covered for 3 follow-up outpatient visits within 90 days post-discharge (HKD 2,100 per visit, up to HKD 11,550 per policy year) p.21 |
| Congenital conditions | covered from age 8 p.26 |
| Pregnancy complications | none p.25 |
| Emergency dental | covered for emergency treatment and surgery during confinement arising from an accident p.25 |
| Hospital cash | none |
| Companion bed | HKD 800 per day, maximum 180 days per policy year p.45 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | yes, 5% for 3 consecutive claim-free years, 10% for 4, 15% for 5 or more p.38 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.24 |
At a constant age of 45, YF Life has filed 6 schedule changes on this plan since 2021, an average of +4.9% a year, taking the premium from HK$37,203 to HK$53,303.
| Year | Change |
|---|---|
| 2022 | +3.0% |
| 2023 | +6.0% |
| 2024 | +8.0% |
| 2025 | +12.5% |
| 2026 | +8.0% |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.