YF Life TaxVantage Prestige Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00065-03-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,711 |
| 45 | HK$10,453 |
| 60 | HK$21,596 |
| 75 | HK$43,695 |
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 if no claim; after cooling-off, 14 days written notice required if no claim in policy year p.5 |
| Switching from another plan | Possible to switch to another plan, re-underwriting limited to upgraded/additional benefits p.15 |
| Room class | Standard Semi-private Room (HK, AU, NZ, overseas emergency); Standard Private Room (Asia ex-HK, AU, NZ) p.1 |
| If a higher room is used | If Standard Semi-private Room is covered: 50% if Standard Private Room used, 25% if above Standard Private Room used p.1 |
| Geographical cover | Asia for non-Emergency Treatment p.1 |
| Psychiatric treatment area | Hong Kong only p.1 |
| Emergency treatment abroad | Worldwide, subject to duration of stay in the place where emergency treatment is received p.1 |
| Full cover on core benefits | yes p.3 |
| Annual limit | 12000000 p.1 |
| Lifetime limit | 60000000 p.1 |
| Deductible options | 0, 30000 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 p.1 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/Day Case Procedure p.1 |
| General outpatient | none |
| Psychiatric treatment | 40000 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 for many benefits; cash benefit of HKD 1,600 per procedure, max 1 per year p.2 |
| Home nursing | Full Cover, max 60 days per Policy Year p.2 |
| Hospice care | 80000 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, max 60 days per Policy Year for downgrading room in Hong Kong private hospital p.2 |
| Companion bed | Full Cover p.2 |
| No-claim discount | 5% for 3 consecutive years, 10% for 4, 15% for 5 or more p.1 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments p.25 |
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$7,708 to HK$10,453.
| 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.