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Basic access to medical services

The TaxVantage Medical Plan* (Standard Plan) delivers basic medical insurance covering a range of surgeries, therapies and hospitalization benefits. The medical plan is a Certified Standard Plan under the Voluntary Health Insurance Scheme (VHIS). Coverage provided by TaxVantage Medical Plan is applicable worldwide, with guaranteed renewals for life. It also gives you free choice of healthcare service providers and ward class.

Guaranteed renewals for life
No lifetime benefit limit
Freedom to choose
Extensive coverage
Coverage of unknown pre-existing conditions
Tax deductible
Free quote before you commit
  • You are guaranteed the right to renew your plan even if you experience changes to your health. For extra peace of mind, your coverage will last up to the age of 100
  • The plan offers annual benefit limit up to HK$420,000, which will be refreshed annually with no Lifetime Benefit Limit
  • All benefits are applicable worldwide (except for psychiatric treatment1)
  • Free choice of healthcare services providers2
  • Free choice of ward class

1Only covers the psychiatric treatment recommended by a Specialist during Confinement in Hong Kong.
2Refers to a registered Hospital or medical practitioner of western medicine under the relevant territory.

  • The plan covers the following medical benefit items:

- hospitalization and surgery fees

- day case procedure3

- outpatient care for pre- and post- Confinement / Day case procedure

- prescribed diagnostic imaging tests4, including CT, MRI, PET, PET-CT and PET-MRI

- non-surgical cancer treatments, including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy

- psychiatric treatment1

- lump sum benefit against medical negligence5

3 Day Case Procedure refers to a Medically Necessary surgical procedure for investigation or treatment performed in a medical clinic, or day case procedure centre or Hospital with facilities for recovery.
Subject to 30% Coinsurance, Policy Holder is required to pay 30% of the actual medical expenses.
If the Insured Person dies or suffers from Total and Permanent Disability directly as a consequence of any negligent action or failure to observe reasonable and customary standards by a healthcare professional of the relevant Hospital, the medical negligence benefit as stated in the Benefit Schedule shall be payable. The benefit shall be made once only for each incident.

For your total peace of mind, the plan covers pre-existing conditions that the Policy Holder and/or Insured Person was not aware of and would not reasonably have been aware of at the time of taking up the plan, subject to the following policy year and reimbursement arrangement:

Policy Year

Reimbursement arrangement

(% of eligible medical expenses incurred)









  • You’re entitled to receive a free estimate of the claimable amount6 for any potential treatment or procedure before committing to it.

6The Policy Holder shall provide the Company with the estimated fees to be incurred as furnished by the Hospital and/or attending Registered Medical Practitioner. The estimate is for reference only, and the actual amount claimable shall be subject to the final expenses as evidenced.

* YF Life Insurance International Limited is registered as a provider for the Voluntary Health Insurance Scheme (VHIS), implemented by the government of the HKSAR (registration number 00025, effective on March 6, 2019).

Issue Age (At Last Birthday)
Issue Age (At Last Birthday)

Age 0-80

Benefit Term
Benefit Term
To Age 100
Premium Payment Term
Premium Payment Term
To Age 100

What is the Voluntary Health Insurance Scheme (VHIS)?

VHIS is an initiative backed by the government of the HKSAR. It is a medical insurance plan that sets standardized policy terms and basic benefit coverage for surgeries, therapies and hospitalization benefits that are applicable worldwide. The plan covers unknown pre-existing conditions, guarantees renewal up to the age of 100, and provides you with a free choice of healthcare service providers and ward class. Qualifying premiums paid for VHIS are tax deductible, at up to HK$8,000 per insured person per year.

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