YF Life TaxVantage Prestige Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00065-04-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,833 |
| 45 | HK$7,536 |
| 60 | HK$15,545 |
| 75 | HK$30,585 |
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 is possible if no benefit paid in current policy year. Pro-rata refund for certain terminations. p.5 |
| Switching from another plan | Switching to another plan with upgrade/addition of benefits is subject to re-underwriting for the new benefits. Switching to a plan with downgrade/reduction of benefits is at company's discretion without re-underwriting. p.15 |
| Room class | Standard Semi-private Room in Hong Kong, Australia, New Zealand or for emergency overseas; Standard Private Room in other Asia p.1 |
| If a higher room is used | If higher room class is used, benefits are reduced by a room level adjustment factor: 50% for Standard Private Room (from Semi-private), 25% for above Standard Private Room (from Semi-private), 25% for above Standard Private Room (from Private) p.1 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam) p.1 |
| Psychiatric treatment area | Hong Kong only p.1 |
| Emergency treatment abroad | Worldwide, full cover if stay in location for no more than 60 days in past 365 days. If stay is more than 60 days, benefits are limited to Standard Plan limits for basic benefits, and no cover for most enhanced benefits. p.1 |
| Full cover on core benefits | yes p.2 |
| Annual limit | 12000000 p.1 |
| Lifetime limit | 60000000 p.1 |
| Deductible options | 0, 100000 p.1 |
| How the deductible applies | Per Policy Year, waived for designated critical illnesses p.1 |
| Coinsurance | none p.25 |
| Pre-admission outpatient | 1 visit prior to Confinement/Day Case Procedure p.1 |
| Post-discharge outpatient | 3 visits within 90 days after discharge from Hospital or completion of Day Case Procedure p.2 |
| 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, plus $1,600 cash benefit per procedure, max 1 procedure per policy 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 | Up to $30,000 per Policy Year, with sub-limit of $600 per day for max 15 days per Policy Year p.2 |
| Physiotherapy | Up to $30,000 per Policy Year, with sub-limit of $1,000 per day for 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 | $1,000 per day, max 60 days per Policy Year, for using a room class lower than covered level in a private hospital in Hong Kong p.2 |
| Companion bed | Full Cover p.2 |
| No-claim discount | Yes, 5% for 3 consecutive claim-free years, 10% for 4 years, 15% for 5+ years p.1 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$5,557 to HK$7,536.
| 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.