TaxVantage Prestige Medical Plan

| VHIS| TVPR|

| VHIS| TVPR|

TaxVantage Prestige Medical Plan

Overview

Featured benefits

FAQ

Similar products

Get in touch

Product Features

Lifetime Medical Protection up to HK$40,000,000

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$40,000,000 with an annual benefit limit as much as HK$10,000,000

No Waiting Period for Unknown Pre-existing Conditions

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

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

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

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

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

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.

Own your future — with gilt-edged protections

TaxVantage Prestige Medical Plan^*, a comprehensive medical insurance solution second to none, provides full reimbursement of the actual expenses incurred before, during, and after your in-hospital treatment throughout Asia^{^}, giving you peace-of-mind protection with no itemized benefit sublimit. You are also entitled to hospital stays in a standard semi-private room or standard private room (depending on confinement location), full cover for non-surgical cancer treatment and extended benefits during hospitalization and beyond.

Best of all, your qualifying premiums paid are tax deductible.

NOTES

^*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).

^{^}Unless otherwise specified, benefits for non-Emergency Treatment shall be applicable in Asia, and benefits for Emergency Treatment shall be applicable worldwide.

Awards