YF Life TaxVantage Prestige Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00065-01-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$15,307 |
| 45 | HK$23,993 |
| 60 | HK$49,737 |
| 75 | HK$98,211 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$12,000,000 |
| Lifetime limit | HK$60,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | HK$40,000 |
Also includes outpatient general, dental, maternity, chinese medicine, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, 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 | 300 days for pregnancy complications; 60 days for waiver of deductible for designated critical illnesses p.2 |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 14 days notice if no benefits paid in policy year. p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits may require re-underwriting for the upgraded benefits. Switching to a plan with downgraded benefits is at company's discretion without re-underwriting. p.15 |
| Room class | Standard Semi-private Room (HK, AU, NZ, overseas emergency); Standard Private Room (rest of Asia) p.1 |
| If a higher room is used | Room level adjustment factor applied: 50% for Standard Private Room if covered is Standard Semi-private; 25% for Above Standard Private Room if covered is Standard Semi-private; 25% for Above Standard Private Room if covered is Standard Private. p.1 |
| Geographical cover | Asia for non-emergency treatment p.1 |
| Psychiatric treatment area | Hong Kong only p.1 |
| Emergency treatment abroad | Worldwide for emergency treatment. If stay outside Asia is more than 60 days in past 365 days, benefits are limited to Standard Plan limits for basic benefits, and no cover for most enhanced/other benefits. p.1 |
| Full cover on core benefits | yes p.1 |
| Annual limit | 12,000,000 p.1 |
| Lifetime limit | 60,000,000 p.1 |
| Deductible options | 0 p.1 |
| How the deductible applies | Per Policy Year. Can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85. p.1 |
| Coinsurance | none p.1 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, full cover p.1 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure, full cover p.1 |
| General outpatient | none |
| Psychiatric treatment | 40,000 p.2 |
| Diagnostic imaging coinsurance | 0% p.1 |
| Non-surgical cancer treatment | full cover p.1 |
| Kidney dialysis | full cover p.2 |
| Day case procedures | Covered as in-patient. Cash benefit of HKD 1,600 per procedure, max 1 per policy year. p.2 |
| Home nursing | Full cover, max 60 days per policy year p.2 |
| Hospice care | 80,000 per policy year p.2 |
| Chinese medicine | HKD 30,000 per policy year, max HKD 600 per day, max 15 days per policy year p.2 |
| Physiotherapy | HKD 30,000 per policy year, max HKD 1,000 per day, max 30 days per policy year p.2 |
| Congenital conditions | Covered from age 8 p.27 |
| Pregnancy complications | full cover p.2 |
| Emergency dental | full cover p.2 |
| Hospital cash | HKD 1,000 per day for downgrading room in Hong Kong, max 60 days per policy year p.2 |
| Companion bed | full cover p.2 |
| No-claim discount | 5% for 3 consecutive claim-free years, 10% for 4, 15% for 5 or more p.1 |
| Exclusions beyond the VHIS standard list | prophylactic treatment or preventive care (e.g. HMA, immunisation, health supplements); purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments (e.g. hypnotism, qigong, massage, aromatherapy, naturopathy, hydropathy, homeotherapy) p.26 |
At a constant age of 45, YF Life has filed 4 schedule changes on this plan since 2021, an average of +6.8% a year, taking the premium from HK$17,696 to HK$23,993.
| Year | Change |
|---|---|
| 2023 | +3.0% |
| 2024 | +4.0% |
| 2025 | +12.5% |
| 2026 | +12.5% |
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.