TaxVantage Prestige Medical Plan

Product Features

Lifetime Medical Protection up to HK$60,000,000

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• Full reimbursement of the actual expenses incurred during your in-hospital treatment, due to sickness or accident
• Without any limit on individual benefit items for major medical expenses
• Offers a wide range of extra benefits as well as worldwide emergency treatment
• You can enjoy a lifetime benefit limit of up to HK$60,000,000 with an annual benefit limit as much as HK$12,000,000

No Waiting Period for Unknown Pre-existing Conditions

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• The plan covers unknown pre-existing conditions of the Insured Person at the time of taking up the plan
• Without any waiting period, which is much better than the minimum requirement of 3-year waiting period under the VHIS plans

Annual Deductible for Lower Premiums

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• 4 Options: HK$0 / 15,000 / 30,000 / 100,000
• The higher the deductible, the lower the premium
• May change to a lower Annual Deductible before the policy anniversaries on or after your 50th, 55th, 60th, 65th, 70th, 75th, 80th or 85th birthday¹ without having to submit any satisfactory proof of insurability

Notes:

^1. Request for reduction of the Deductible must be submitted in writing within 30 days before the policy anniversary on or immediately following the 50th, 55th, 60th, 65th, 70th, 75th, 80th or 85th birthday of the Insured Person. This right can be exercised once only and is irrevocable. Claims in respect of a Disability occurring after reduction of the Deductible shall be subject to the reduced Deductible.

No Claim Premium Discount

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• Up to 15% provided that the policy has been in force and no claims have been made for at least three consecutive policy years

Guaranteed Renewals for Life

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• You are guaranteed the right to renew your plan up to the age of 100, even if you experience changes to your health
• Your renewal premium² will not be individually raised for any claim you have made, or any changes in your health condition

Notes:

^2. A written notice will be given no less than 30 days prior to each policy anniversary date regarding the adjustment of benefit coverage or premium.

Tax Deductible

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• Qualifying premium paid for your TaxVantage Prestige Medical Plan are tax deductible. You may also include any premiums paid into your family members’ policies when claiming a tax deduction
• For details of the tax deduction arrangement, please refer to the VHIS website of the government of the HKSAR at www.vhis.gov.hk/en/consumer_corner/tax-deduction.html

Free Quote before You Commit

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• You’re entitled to receive a free estimate of the claimable amount³ for any potential treatment or procedure before committing to it

Notes:

^3. The 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.