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Healthy Life Premier Medical Insurance Plan - Private with SMM
健康常伴優越醫療保險計劃 - 私家病房連附加保障
China Life Insurance (Overseas) Company Limited · F00030-02-001 · 3 versions · Flexi plan · Avg. annual increase +2.29%
Male
| Age | F00030-02-001-01 2019-06-03 | F00030-02-001-02 2021-04-01 | F00030-02-001-03 2026-06-01 | Avg. annual increase |
|---|---|---|---|---|
| 0 | HK$12,200 | HK$12,200 | HK$13,908 (+14.0%) | +1.40% |
| 5 | HK$12,200 | HK$12,200 | HK$13,908 (+14.0%) | +1.40% |
| 10 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.89% |
| 15 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.89% |
| 20 | HK$4,340 | HK$4,340 | HK$4,948 (+14.0%) | +3.66% |
| 25 | HK$5,702 | HK$5,702 | HK$6,500 (+14.0%) | +3.77% |
| 30 | HK$6,717 | HK$6,717 | HK$7,657 (+14.0%) | +3.87% |
| 35 | HK$7,616 | HK$7,616 | HK$8,682 (+14.0%) | +4.06% |
| 40 | HK$8,496 | HK$8,496 | HK$9,685 (+14.0%) | +4.25% |
| 45 | HK$10,129 | HK$10,129 | HK$11,547 (+14.0%) | +4.23% |
| 50 | HK$12,674 | HK$12,674 | HK$14,448 (+14.0%) | +3.80% |
| 55 | HK$17,609 | HK$17,609 | HK$20,074 (+14.0%) | +2.19% |
| 60 | HK$23,359 | HK$23,359 | HK$26,629 (+14.0%) | +1.34% |
| 65 | HK$30,940 | HK$30,940 | HK$35,272 (+14.0%) | +0.66% |
| 70 | HK$39,211 | HK$39,211 | HK$44,701 (+14.0%) | +0.51% |
| 75 | HK$44,244 | HK$44,244 | HK$50,438 (+14.0%) | +1.25% |
| 80 | HK$55,873 | HK$55,873 | HK$63,695 (+14.0%) | +1.24% |
| 85 | HK$63,023 | HK$63,023 | HK$71,846 (+14.0%) | +1.37% |
| 90 | HK$67,997 | HK$67,997 | HK$77,517 (+14.0%) | +1.50% |
| 95 | HK$70,532 | HK$70,532 | HK$80,406 (+14.0%) | +1.62% |
| 99 | HK$72,142 | HK$72,142 | HK$82,242 (+14.0%) | +1.74% |
| All ages average | — | 0.0% | +14.0% | — |
0 y/oHK$12,200
5 y/oHK$12,200
10 y/oHK$4,600
15 y/oHK$4,600
20 y/oHK$4,340
25 y/oHK$5,702
30 y/oHK$6,717
35 y/oHK$7,616
40 y/oHK$8,496
45 y/oHK$10,129
50 y/oHK$12,674
55 y/oHK$17,609
60 y/oHK$23,359
65 y/oHK$30,940
70 y/oHK$39,211
75 y/oHK$44,244
80 y/oHK$55,873
85 y/oHK$63,023
90 y/oHK$67,997
95 y/oHK$70,532
99 y/oHK$72,142
0.0%
All-ages avg
0 y/oHK$12,200
5 y/oHK$12,200
10 y/oHK$4,600
15 y/oHK$4,600
20 y/oHK$4,340
25 y/oHK$5,702
30 y/oHK$6,717
35 y/oHK$7,616
40 y/oHK$8,496
45 y/oHK$10,129
50 y/oHK$12,674
55 y/oHK$17,609
60 y/oHK$23,359
65 y/oHK$30,940
70 y/oHK$39,211
75 y/oHK$44,244
80 y/oHK$55,873
85 y/oHK$63,023
90 y/oHK$67,997
95 y/oHK$70,532
99 y/oHK$72,142
+14.0%
All-ages avg
0 y/oHK$13,908 (+14.0%)
5 y/oHK$13,908 (+14.0%)
10 y/oHK$5,244 (+14.0%)
15 y/oHK$5,244 (+14.0%)
20 y/oHK$4,948 (+14.0%)
25 y/oHK$6,500 (+14.0%)
30 y/oHK$7,657 (+14.0%)
35 y/oHK$8,682 (+14.0%)
40 y/oHK$9,685 (+14.0%)
45 y/oHK$11,547 (+14.0%)
50 y/oHK$14,448 (+14.0%)
55 y/oHK$20,074 (+14.0%)
60 y/oHK$26,629 (+14.0%)
65 y/oHK$35,272 (+14.0%)
70 y/oHK$44,701 (+14.0%)
75 y/oHK$50,438 (+14.0%)
80 y/oHK$63,695 (+14.0%)
85 y/oHK$71,846 (+14.0%)
90 y/oHK$77,517 (+14.0%)
95 y/oHK$80,406 (+14.0%)
99 y/oHK$82,242 (+14.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+1.40%
5 y/o+1.40%
10 y/o+1.89%
15 y/o+1.89%
20 y/o+3.66%
25 y/o+3.77%
30 y/o+3.87%
35 y/o+4.06%
40 y/o+4.25%
45 y/o+4.23%
50 y/o+3.80%
55 y/o+2.19%
60 y/o+1.34%
65 y/o+0.66%
70 y/o+0.51%
75 y/o+1.25%
80 y/o+1.24%
85 y/o+1.37%
90 y/o+1.50%
95 y/o+1.62%
99 y/o+1.74%
Each cell shows the premium amount, with the change vs. previous version in parentheses. The first version shows only the baseline premium. The average annual increase is a compound rate (latest / earliest)^(1/years) − 1, with years = today − earliest version date.· as of 2026-06-11
Default view shows 21 anchor ages (one every 5 years, plus 0 and 99) for a quick read of the inflation curve. The Avg. annual increase column on the right is always computed across all 100 ages regardless of toggle state.
Female
| Age | F00030-02-001-01 2019-06-03 | F00030-02-001-02 2021-04-01 | F00030-02-001-03 2026-06-01 | Avg. annual increase |
|---|---|---|---|---|
| 0 | HK$12,200 | HK$12,200 | HK$12,996 (+6.5%) | +1.40% |
| 5 | HK$12,200 | HK$12,200 | HK$12,996 (+6.5%) | +1.40% |
| 10 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.89% |
| 15 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.89% |
| 20 | HK$4,340 | HK$4,340 | HK$6,284 (+44.8%) | +3.66% |
| 25 | HK$5,702 | HK$5,702 | HK$8,372 (+46.8%) | +3.77% |
| 30 | HK$6,717 | HK$6,717 | HK$9,994 (+48.8%) | +3.87% |
| 35 | HK$7,616 | HK$7,616 | HK$11,633 (+52.7%) | +4.06% |
| 40 | HK$8,496 | HK$8,496 | HK$13,302 (+56.6%) | +4.25% |
| 45 | HK$10,129 | HK$10,129 | HK$15,816 (+56.1%) | +4.23% |
| 50 | HK$12,674 | HK$12,674 | HK$18,686 (+47.4%) | +3.80% |
| 55 | HK$17,609 | HK$17,609 | HK$20,922 (+18.8%) | +2.19% |
| 60 | HK$23,359 | HK$23,359 | HK$24,676 (+5.6%) | +1.34% |
| 65 | HK$30,940 | HK$30,940 | HK$29,744 (-3.9%) | +0.66% |
| 70 | HK$39,211 | HK$39,211 | HK$36,897 (-5.9%) | +0.51% |
| 75 | HK$44,244 | HK$44,244 | HK$46,197 (+4.4%) | +1.25% |
| 80 | HK$55,873 | HK$55,873 | HK$58,213 (+4.2%) | +1.24% |
| 85 | HK$63,023 | HK$63,023 | HK$66,888 (+6.1%) | +1.37% |
| 90 | HK$67,997 | HK$67,997 | HK$73,446 (+8.0%) | +1.50% |
| 95 | HK$70,532 | HK$70,532 | HK$77,517 (+9.9%) | +1.62% |
| 99 | HK$72,142 | HK$72,142 | HK$80,525 (+11.6%) | +1.74% |
| All ages average | — | 0.0% | +21.6% | — |
0 y/oHK$12,200
5 y/oHK$12,200
10 y/oHK$4,600
15 y/oHK$4,600
20 y/oHK$4,340
25 y/oHK$5,702
30 y/oHK$6,717
35 y/oHK$7,616
40 y/oHK$8,496
45 y/oHK$10,129
50 y/oHK$12,674
55 y/oHK$17,609
60 y/oHK$23,359
65 y/oHK$30,940
70 y/oHK$39,211
75 y/oHK$44,244
80 y/oHK$55,873
85 y/oHK$63,023
90 y/oHK$67,997
95 y/oHK$70,532
99 y/oHK$72,142
0.0%
All-ages avg
0 y/oHK$12,200
5 y/oHK$12,200
10 y/oHK$4,600
15 y/oHK$4,600
20 y/oHK$4,340
25 y/oHK$5,702
30 y/oHK$6,717
35 y/oHK$7,616
40 y/oHK$8,496
45 y/oHK$10,129
50 y/oHK$12,674
55 y/oHK$17,609
60 y/oHK$23,359
65 y/oHK$30,940
70 y/oHK$39,211
75 y/oHK$44,244
80 y/oHK$55,873
85 y/oHK$63,023
90 y/oHK$67,997
95 y/oHK$70,532
99 y/oHK$72,142
+21.6%
All-ages avg
0 y/oHK$12,996 (+6.5%)
5 y/oHK$12,996 (+6.5%)
10 y/oHK$5,244 (+14.0%)
15 y/oHK$5,244 (+14.0%)
20 y/oHK$6,284 (+44.8%)
25 y/oHK$8,372 (+46.8%)
30 y/oHK$9,994 (+48.8%)
35 y/oHK$11,633 (+52.7%)
40 y/oHK$13,302 (+56.6%)
45 y/oHK$15,816 (+56.1%)
50 y/oHK$18,686 (+47.4%)
55 y/oHK$20,922 (+18.8%)
60 y/oHK$24,676 (+5.6%)
65 y/oHK$29,744 (-3.9%)
70 y/oHK$36,897 (-5.9%)
75 y/oHK$46,197 (+4.4%)
80 y/oHK$58,213 (+4.2%)
85 y/oHK$66,888 (+6.1%)
90 y/oHK$73,446 (+8.0%)
95 y/oHK$77,517 (+9.9%)
99 y/oHK$80,525 (+11.6%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+1.40%
5 y/o+1.40%
10 y/o+1.89%
15 y/o+1.89%
20 y/o+3.66%
25 y/o+3.77%
30 y/o+3.87%
35 y/o+4.06%
40 y/o+4.25%
45 y/o+4.23%
50 y/o+3.80%
55 y/o+2.19%
60 y/o+1.34%
65 y/o+0.66%
70 y/o+0.51%
75 y/o+1.25%
80 y/o+1.24%
85 y/o+1.37%
90 y/o+1.50%
95 y/o+1.62%
99 y/o+1.74%
Each cell shows the premium amount, with the change vs. previous version in parentheses. The first version shows only the baseline premium. The average annual increase is a compound rate (latest / earliest)^(1/years) − 1, with years = today − earliest version date.· as of 2026-06-11
Default view shows 21 anchor ages (one every 5 years, plus 0 and 99) for a quick read of the inflation curve. The Avg. annual increase column on the right is always computed across all 100 ages regardless of toggle state.