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- 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.
4 Subject to 30% Coinsurance, Policy Holder is required to pay 30% of the actual medical expenses.
5 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.
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.
* 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).
FAQ 
Important Information 
Other Product Brochures 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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Standard Premium Schedule