YF Life TaxVantage Plus Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00020-05-001-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,869 |
| 45 | HK$12,266 |
| 60 | HK$20,037 |
| 75 | HK$31,689 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$550,000 |
| Lifetime limit | None |
| Room and board | HK$900 |
| Hospital charges | HK$14,500 |
| Doctor's visits | HK$900 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$4,500 |
| Surgeon's fee | HK$65,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$22,500 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$3,000 |
| Psychiatric treatment | HK$30,000 |
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 claim; cancellation after cooling-off with 14 days notice if no claim in policy year p.5 |
| Room class | not restricted p.19 |
| Geographical cover | worldwide, with exceptions for psychiatric treatment and renal dialysis as a Day Patient p.19 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | covered worldwide, subject to general benefit limits p.19 |
| Full cover on core benefits | no p.37 |
| Annual limit | 550000 p.38 |
| Lifetime limit | none p.19 |
| Deductible options | none |
| How the deductible applies | per policy year p.27 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to $3,000 per Policy Year p.37 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/completion of Day Case Procedure, up to $3,000 per Policy Year p.37 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.37 |
| Diagnostic imaging coinsurance | 30% p.37 |
| Non-surgical cancer treatment | 80000 p.37 |
| Kidney dialysis | HKD 25,000 per 10-year period, covered as inpatient (excess of miscellaneous charges) or as day patient in Hong Kong p.35 |
| Day case procedures | covered as inpatient, subject to specific benefit limits p.20 |
| Home nursing | HKD 380 per day, maximum 60 days per Policy Year, for services by Qualified Nurse at residence within 60 days of discharge after surgical procedure p.35 |
| Hospice care | none p.28 |
| Chinese medicine | none p.25 |
| Physiotherapy | covered during confinement and for follow-up outpatient visits post-discharge, subject to limits of relevant benefit items 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 300 per day, maximum 180 days per Policy Year, for one extra bed for a companion during confinement p.35 |
| Direct billing and pre-authorisation | none p.2 |
| No-claim discount | 5% for 3 consecutive claim-free years, 10% for 4 years, 15% for 5+ years p.40 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances for home use; traditional Chinese medicine treatment and other alternative treatments p.24 |
At a constant age of 45, YF Life has filed 4 schedule changes on this plan since 2021, an average of +7.5% a year, taking the premium from HK$9,347 to HK$12,266.
| Year | Change |
|---|---|
| 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.