YF Life TaxVantage Prestige Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00065-02-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,662 |
| 45 | HK$13,511 |
| 60 | HK$27,778 |
| 75 | HK$55,491 |
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.23 |
| Waiting period | 300 days for pregnancy complications; 60 days for waiver of deductible for designated critical illnesses p.2 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. No refund if benefits paid. p.5 |
| Switching from another plan | Switching to another plan with upgraded/added benefits may involve re-underwriting for the new benefits. Switching to a plan with downgraded/reduced benefits does not involve re-underwriting, but is subject to company discretion. p.15 |
| Room class | Standard Semi-private Room in Hong Kong, Australia, New Zealand or for Emergency Treatment outside Asia; Standard Private Room in Asia (excluding Hong Kong, Australia, New Zealand) p.1 |
| If a higher room is used | If Standard Semi-private Room is covered: 50% if using Standard Private Room, 25% if using above Standard Private Room. If Standard Private Room is covered: 25% if using above Standard Private Room. p.1 |
| Geographical cover | Asia for non-Emergency Treatment p.1 |
| Psychiatric treatment area | Hong Kong only p.1 |
| Emergency treatment abroad | Worldwide. Full cover if stay outside Asia is no more than 60 days in past 365 days. If stay outside Asia is more than 60 days, benefits are limited to Standard Plan limits, and some enhanced benefits are not covered. p.1 |
| Full cover on core benefits | yes p.2 |
| Annual limit | HKD 12,000,000 p.1 |
| Lifetime limit | HKD 60,000,000 p.1 |
| Deductible options | 0, 15000 p.1 |
| How the deductible applies | Per Policy Year. Can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 without new underwriting. 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 | HKD 40,000 per Policy Year p.2 |
| Diagnostic imaging coinsurance | 0% p.1 |
| Non-surgical cancer treatment | Full Cover p.1 |
| Kidney dialysis | Full Cover for Eligible Expenses charged for renal dialysis as a Day Patient due to Kidney Failure p.1 |
| Day case procedures | Covered as in-patient. Cash benefit of HKD 1,600 per procedure, max 1 per Policy Year. p.44 |
| Home nursing | Full Cover, maximum 60 days per Policy Year p.1 |
| Hospice care | HKD 80,000 per Policy Year for stay in registered hospice for Terminal Illness p.4 |
| Chinese medicine | HKD 600 per day, max 15 days per Policy Year, within overall Ancillary service limit of HKD 30,000 per Policy Year p.4 |
| Physiotherapy | HKD 1,000 per day, max 30 days per Policy Year, within overall Ancillary service limit of HKD 30,000 per Policy Year p.4 |
| Congenital conditions | Covered from age 8 p.27 |
| Pregnancy complications | Full Cover for Covered Pregnancy Complications, subject to 300-day waiting period p.2 |
| Emergency dental | Full Cover for Emergency Treatment within 2 weeks of Accident to sound natural tooth/teeth p.5 |
| Hospital cash | HKD 1,000 per day for using a room class lower than covered in a private Hospital in Hong Kong, max 60 days per Policy Year p.44 |
| Companion bed | Full Cover p.1 |
| 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 | purchase of durable medical equipment or appliances 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$9,964 to HK$13,511.
| 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.