YF Life TaxVantage PrimeChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00080-01-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,688 |
| 45 | HK$6,398 |
| 60 | HK$9,221 |
| 75 | HK$16,092 |
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$1,000 |
| Hospital charges | HK$14,500 |
| Doctor's visits | HK$900 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$4,500 |
| Surgeon's fee | HK$60,000 |
| 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, hospital cash, 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 if cancelled within 21-day cooling-off period p.5 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits, re-underwriting limited to new benefits p.15 |
| Room class | not restricted p.19 |
| If a higher room is used | Room level adjustment factor (25% or 50%) applied to optional supplementary major medical benefit if a higher room class is chosen than the covered level p.36 |
| Geographical cover | worldwide, excluding psychiatric treatment and renal dialysis as a Day Patient p.19 |
| Psychiatric treatment area | Hong Kong only p.19 |
| Emergency treatment abroad | covered worldwide p.19 |
| Full cover on core benefits | no p.47 |
| Annual limit | HKD 550,000 p.48 |
| Lifetime limit | none p.48 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | none, except 30% for Prescribed Diagnostic Imaging Tests p.47 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to HKD 580 per visit, up to HKD 3,000 per Policy Year p.47 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/Day Case Procedure, up to HKD 580 per visit, up to HKD 3,000 per Policy Year p.47 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.47 |
| Diagnostic imaging coinsurance | 30% p.47 |
| Non-surgical cancer treatment | HKD 80,000 per Policy Year p.47 |
| Kidney dialysis | Covered as Inpatient (in excess of miscellaneous charges) or Day Patient in Hong Kong, up to HKD 25,000 per 10-year period p.36 |
| Day case procedures | Covered as inpatient equivalent for relevant benefits p.20 |
| Home nursing | HKD 400 per day, maximum 60 days per Policy Year, within 60 days of discharge p.36 |
| Hospice care | none p.30 |
| Chinese medicine | none p.27 |
| Physiotherapy | Covered during Confinement and as part of post-discharge outpatient care (up to HKD 580 per visit, up to HKD 3,000 per Policy Year) p.21 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.27 |
| Pregnancy complications | none p.27 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.27 |
| Hospital cash | HKD 300 per day, maximum 90 days per Policy Year, if partly reimbursed by another insurer p.39 |
| Companion bed | HKD 400 per day, maximum 180 days per Policy Year p.36 |
| Second medical opinion | not stated as a specific benefit |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Yes, 5% for 3 consecutive years, 10% for 4 consecutive years, 15% for 5+ consecutive years with no claims p.42 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments; Hair Mineral Analysis (HMA) p.26 |
At a constant age of 45, YF Life has filed 1 schedule change on this plan since 2021, an average of +2.4% a year, taking the premium from HK$6,211 to HK$6,398.
| Year | Change |
|---|---|
| 2026 | +3.0% |
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.