TaxVantage Prestige Medical Plan

Benefit term: To age 100Public source · Checked: 13 Oct 2026

Recorded features: VHIS medical plan: annual limit HKD 12,000,000 and lifetime limit HKD 60,000,000 for specified benefits.Public source · Checked: 13 Oct 2026

The brochure identifies the plan type as a basic plan.Public source · Checked: 13 Oct 2026

The annual benefit limit is HKD12m and lifetime benefit limit HKD60m, subject to scheduled benefit limits.Public source · Checked: 13 Oct 2026

Premium payment terms: To age 100Public source · Checked: 13 Oct 2026

Premiums are non-guaranteed and renewal premiums depend on attained age and the prevailing rate for the same benefit level; annual, semi-annual, quarterly and monthly payment modes are listed.Public source · Checked: 13 Oct 2026

Renewal premiums are adjusted based on attained age and the premium rate in effect for the same benefit level; qualifying no-claim premium discounts are conditional.Public source · Checked: 13 Oct 2026

Renewal is guaranteed to age 100; the renewal premium is not guaranteed.Public source · Checked: 13 Oct 2026

Accidental injury and disease cover are immediate; pregnancy-complications benefit waits 300 days and the designated-critical-illness deductible waiver sixty days.Public source · Checked: 13 Oct 2026

Exclusions include congenital conditions manifested or diagnosed before age eight, non-medically-necessary expenses, self-injury, drug/alcohol-related treatment and war, subject to benefit-specific exceptions.Public source · Checked: 13 Oct 2026

Surrender requires the prescribed written form, valid identification and permanent-address proof where applicable.Public source · Checked: 13 Oct 2026

Cancellation notice must reach the insurer within 21 calendar days after delivery of the policy or its availability/cooling-off notice, whichever is earlier; follow the brochure’s written-notice requirements. For basic cover only; rider cancellation follows the attached policy.Public source · Checked: 13 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Log in to YFLink, choose policy and claim type, enter details, upload evidence, review and submit.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Hospital Benefit C02: claimant statement, doctor’s Part II, identity / address evidence as required for due diligence.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: YFLink app or WeChat Mini Program; the form library links hospital claims to eClaims.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026

Annual deductible options are HKD0, 15,000, 30,000 and 100,000; changes to a lower deductible at listed age milestones have stated conditions.Public source · Checked: 13 Oct 2026