YF Life TaxVantage PrimeChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00080-04-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$12,020 |
| 45 | HK$20,855 |
| 60 | HK$30,059 |
| 75 | HK$52,460 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$2,000,000 |
| Lifetime limit | None |
| Room and board | HK$4,000 |
| Hospital charges | HK$35,000 |
| Doctor's visits | HK$3,700 |
| Specialist fees | HK$10,000 |
| Intensive care | HK$11,000 |
| Surgeon's fee | HK$120,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$35,000 |
| Non-surgical cancer treatment | HK$124,000 |
| Outpatient before and after | HK$7,700 |
| Psychiatric treatment | HK$60,000 |
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 within 21-day cooling-off period if no benefits paid; after cooling-off, cancellation with 14 days notice if no benefits paid in current policy year p.5 |
| Switching from another plan | possible to switch to another plan with upgrade/addition of benefits, subject to re-underwriting for the upgraded/additional benefits p.15 |
| Room class | not restricted p.19 |
| If a higher room is used | Room level adjustment factor applied to benefits payable under the optional supplementary major medical benefit (e.g., 50% for Semi-Private if covered Ward, 25% for Standard Private or above if covered Ward) p.36 |
| Geographical cover | worldwide, except for psychiatric treatment and renal dialysis performed as a Day Patient p.19 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | covered worldwide p.19 |
| Full cover on core benefits | no p.47 |
| Annual limit | 2,000,000 p.48 |
| Lifetime limit | none p.48 |
| Deductible options | none p.47 |
| How the deductible applies | none |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit or emergency consultation per confinement/day case procedure, $1,400 per visit, up to $7,700 per Policy Year p.47 |
| Post-discharge outpatient | 3 follow-up visits within 90 days after discharge/day case procedure, $1,400 per visit, up to $7,700 per Policy Year p.47 |
| General outpatient | none |
| Psychiatric treatment | 60,000 p.47 |
| Diagnostic imaging coinsurance | 30% p.47 |
| Non-surgical cancer treatment | 124,000 p.47 |
| Kidney dialysis | 90,000 per 10-year period p.47 |
| Day case procedures | covered as in-patient under various benefits, subject to limits p.20 |
| Home nursing | 1,800 per day, maximum 60 days per Policy Year p.47 |
| Hospice care | none p.29 |
| Chinese medicine | none p.27 |
| Physiotherapy | covered during confinement and as follow-up outpatient care post-discharge/day case procedure, subject to limits p.21 |
| Congenital conditions | covered if manifested or diagnosed 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 | 1,200 per day, maximum 90 days per Policy Year (if benefits partly paid by another insurer) p.47 |
| Companion bed | 1,000 per day, maximum 180 days per Policy Year p.47 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | yes, 5% for 3 consecutive claim-free years, 10% for 4, 15% for 5 or more p.42 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances 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$20,247 to HK$20,855.
| 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.