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''BetterCare'' Medical Insurance Plan - Benefit Level 1 with SMM (HKD)
只供現有保單續保「樂康保」醫療保障計劃 - 保障級別 1+超額醫療保障 (港元)
Chow Tai Fook Life Insurance Co Ltd · F00021-01-000 · 7 versions · Flexi plan · Avg. annual increase +5.82%
HKD
Male
| Age | F00021-01-000-01 2019-04-01 | F00021-01-000-02 2021-04-01 | F00021-01-000-02 2022-11-01 | F00021-01-000-02 2023-11-23 | F00021-01-000-03 2024-07-22 | F00021-01-000-03 2024-11-23 | F00021-01-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$4,605 | HK$4,605 | HK$5,065 (+10.0%) | HK$5,573 (+10.0%) | HK$5,573 | HK$6,130 (+10.0%) | HK$6,865 (+12.0%) | +5.82% |
| 5 | HK$2,836 | HK$2,836 | HK$3,119 (+10.0%) | HK$3,431 (+10.0%) | HK$3,431 | HK$3,774 (+10.0%) | HK$4,226 (+12.0%) | +5.81% |
| 10 | HK$2,552 | HK$2,552 | HK$2,807 (+10.0%) | HK$3,088 (+10.0%) | HK$3,088 | HK$3,396 (+10.0%) | HK$3,804 (+12.0%) | +5.81% |
| 15 | HK$2,617 | HK$2,617 | HK$2,879 (+10.0%) | HK$3,167 (+10.0%) | HK$3,167 | HK$3,483 (+10.0%) | HK$3,901 (+12.0%) | +5.81% |
| 20 | HK$2,889 | HK$2,889 | HK$3,179 (+10.0%) | HK$3,496 (+10.0%) | HK$3,496 | HK$3,846 (+10.0%) | HK$4,308 (+12.0%) | +5.82% |
| 25 | HK$3,274 | HK$3,274 | HK$3,601 (+10.0%) | HK$3,962 (+10.0%) | HK$3,962 | HK$4,358 (+10.0%) | HK$4,881 (+12.0%) | +5.82% |
| 30 | HK$3,773 | HK$3,773 | HK$4,150 (+10.0%) | HK$4,565 (+10.0%) | HK$4,565 | HK$5,023 (+10.0%) | HK$5,625 (+12.0%) | +5.82% |
| 35 | HK$4,124 | HK$4,124 | HK$4,536 (+10.0%) | HK$4,989 (+10.0%) | HK$4,989 | HK$5,488 (+10.0%) | HK$6,146 (+12.0%) | +5.81% |
| 40 | HK$4,702 | HK$4,702 | HK$5,173 (+10.0%) | HK$5,690 (+10.0%) | HK$5,690 | HK$6,260 (+10.0%) | HK$7,011 (+12.0%) | +5.82% |
| 45 | HK$5,605 | HK$5,605 | HK$6,165 (+10.0%) | HK$6,782 (+10.0%) | HK$6,782 | HK$7,461 (+10.0%) | HK$8,356 (+12.0%) | +5.82% |
| 50 | HK$6,771 | HK$6,771 | HK$7,449 (+10.0%) | HK$8,194 (+10.0%) | HK$8,194 | HK$9,013 (+10.0%) | HK$10,095 (+12.0%) | +5.82% |
| 55 | HK$8,501 | HK$8,501 | HK$9,351 (+10.0%) | HK$10,287 (+10.0%) | HK$10,287 | HK$11,315 (+10.0%) | HK$12,674 (+12.0%) | +5.82% |
| 60 | HK$10,982 | HK$10,982 | HK$12,081 (+10.0%) | HK$13,289 (+10.0%) | HK$13,289 | HK$14,618 (+10.0%) | HK$16,371 (+12.0%) | +5.82% |
| 65 | HK$16,158 | HK$16,158 | HK$17,774 (+10.0%) | HK$19,551 (+10.0%) | HK$19,551 | HK$21,506 (+10.0%) | HK$24,087 (+12.0%) | +5.82% |
| 70 | HK$19,701 | HK$19,701 | HK$21,671 (+10.0%) | HK$23,838 (+10.0%) | HK$23,838 | HK$26,221 (+10.0%) | HK$29,368 (+12.0%) | +5.81% |
| 75 | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.82% |
| 80 | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.82% |
| 85 | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.82% |
| 90 | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.82% |
| 95 | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.82% |
| 99 | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.82% |
| All ages average | — | 0.0% | +10.0% | +10.0% | 0.0% | +10.0% | +12.0% | — |
0 y/oHK$4,605
5 y/oHK$2,836
10 y/oHK$2,552
15 y/oHK$2,617
20 y/oHK$2,889
25 y/oHK$3,274
30 y/oHK$3,773
35 y/oHK$4,124
40 y/oHK$4,702
45 y/oHK$5,605
50 y/oHK$6,771
55 y/oHK$8,501
60 y/oHK$10,982
65 y/oHK$16,158
70 y/oHK$19,701
75 y/oHK$20,194
80 y/oHK$20,194
85 y/oHK$20,194
90 y/oHK$20,194
95 y/oHK$20,194
99 y/oHK$20,194
0.0%
All-ages avg
0 y/oHK$4,605
5 y/oHK$2,836
10 y/oHK$2,552
15 y/oHK$2,617
20 y/oHK$2,889
25 y/oHK$3,274
30 y/oHK$3,773
35 y/oHK$4,124
40 y/oHK$4,702
45 y/oHK$5,605
50 y/oHK$6,771
55 y/oHK$8,501
60 y/oHK$10,982
65 y/oHK$16,158
70 y/oHK$19,701
75 y/oHK$20,194
80 y/oHK$20,194
85 y/oHK$20,194
90 y/oHK$20,194
95 y/oHK$20,194
99 y/oHK$20,194
+10.0%
All-ages avg
0 y/oHK$5,065 (+10.0%)
5 y/oHK$3,119 (+10.0%)
10 y/oHK$2,807 (+10.0%)
15 y/oHK$2,879 (+10.0%)
20 y/oHK$3,179 (+10.0%)
25 y/oHK$3,601 (+10.0%)
30 y/oHK$4,150 (+10.0%)
35 y/oHK$4,536 (+10.0%)
40 y/oHK$5,173 (+10.0%)
45 y/oHK$6,165 (+10.0%)
50 y/oHK$7,449 (+10.0%)
55 y/oHK$9,351 (+10.0%)
60 y/oHK$12,081 (+10.0%)
65 y/oHK$17,774 (+10.0%)
70 y/oHK$21,671 (+10.0%)
75 y/oHK$22,213 (+10.0%)
80 y/oHK$22,213 (+10.0%)
85 y/oHK$22,213 (+10.0%)
90 y/oHK$22,213 (+10.0%)
95 y/oHK$22,213 (+10.0%)
99 y/oHK$22,213 (+10.0%)
+10.0%
All-ages avg
0 y/oHK$5,573 (+10.0%)
5 y/oHK$3,431 (+10.0%)
10 y/oHK$3,088 (+10.0%)
15 y/oHK$3,167 (+10.0%)
20 y/oHK$3,496 (+10.0%)
25 y/oHK$3,962 (+10.0%)
30 y/oHK$4,565 (+10.0%)
35 y/oHK$4,989 (+10.0%)
40 y/oHK$5,690 (+10.0%)
45 y/oHK$6,782 (+10.0%)
50 y/oHK$8,194 (+10.0%)
55 y/oHK$10,287 (+10.0%)
60 y/oHK$13,289 (+10.0%)
65 y/oHK$19,551 (+10.0%)
70 y/oHK$23,838 (+10.0%)
75 y/oHK$24,435 (+10.0%)
80 y/oHK$24,435 (+10.0%)
85 y/oHK$24,435 (+10.0%)
90 y/oHK$24,435 (+10.0%)
95 y/oHK$24,435 (+10.0%)
99 y/oHK$24,435 (+10.0%)
0.0%
All-ages avg
0 y/oHK$5,573
5 y/oHK$3,431
10 y/oHK$3,088
15 y/oHK$3,167
20 y/oHK$3,496
25 y/oHK$3,962
30 y/oHK$4,565
35 y/oHK$4,989
40 y/oHK$5,690
45 y/oHK$6,782
50 y/oHK$8,194
55 y/oHK$10,287
60 y/oHK$13,289
65 y/oHK$19,551
70 y/oHK$23,838
75 y/oHK$24,435
80 y/oHK$24,435
85 y/oHK$24,435
90 y/oHK$24,435
95 y/oHK$24,435
99 y/oHK$24,435
+10.0%
All-ages avg
0 y/oHK$6,130 (+10.0%)
5 y/oHK$3,774 (+10.0%)
10 y/oHK$3,396 (+10.0%)
15 y/oHK$3,483 (+10.0%)
20 y/oHK$3,846 (+10.0%)
25 y/oHK$4,358 (+10.0%)
30 y/oHK$5,023 (+10.0%)
35 y/oHK$5,488 (+10.0%)
40 y/oHK$6,260 (+10.0%)
45 y/oHK$7,461 (+10.0%)
50 y/oHK$9,013 (+10.0%)
55 y/oHK$11,315 (+10.0%)
60 y/oHK$14,618 (+10.0%)
65 y/oHK$21,506 (+10.0%)
70 y/oHK$26,221 (+10.0%)
75 y/oHK$26,879 (+10.0%)
80 y/oHK$26,879 (+10.0%)
85 y/oHK$26,879 (+10.0%)
90 y/oHK$26,879 (+10.0%)
95 y/oHK$26,879 (+10.0%)
99 y/oHK$26,879 (+10.0%)
+12.0%
All-ages avg
0 y/oHK$6,865 (+12.0%)
5 y/oHK$4,226 (+12.0%)
10 y/oHK$3,804 (+12.0%)
15 y/oHK$3,901 (+12.0%)
20 y/oHK$4,308 (+12.0%)
25 y/oHK$4,881 (+12.0%)
30 y/oHK$5,625 (+12.0%)
35 y/oHK$6,146 (+12.0%)
40 y/oHK$7,011 (+12.0%)
45 y/oHK$8,356 (+12.0%)
50 y/oHK$10,095 (+12.0%)
55 y/oHK$12,674 (+12.0%)
60 y/oHK$16,371 (+12.0%)
65 y/oHK$24,087 (+12.0%)
70 y/oHK$29,368 (+12.0%)
75 y/oHK$30,104 (+12.0%)
80 y/oHK$30,104 (+12.0%)
85 y/oHK$30,104 (+12.0%)
90 y/oHK$30,104 (+12.0%)
95 y/oHK$30,104 (+12.0%)
99 y/oHK$30,104 (+12.0%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-04-27
0 y/o+5.82%
5 y/o+5.81%
10 y/o+5.81%
15 y/o+5.81%
20 y/o+5.82%
25 y/o+5.82%
30 y/o+5.82%
35 y/o+5.81%
40 y/o+5.82%
45 y/o+5.82%
50 y/o+5.82%
55 y/o+5.82%
60 y/o+5.82%
65 y/o+5.82%
70 y/o+5.81%
75 y/o+5.82%
80 y/o+5.82%
85 y/o+5.82%
90 y/o+5.82%
95 y/o+5.82%
99 y/o+5.82%
格仔顯示保費金額，括號內為相對上一個版本嘅百分比變化。首個版本只顯示基準保費。年均加幅使用複息公式（最新/最早 ^ (1/years) − 1），年期＝今日減最早版本日期。計算至 2026-04-27 · as of 2026-04-27
Female
| Age | F00021-01-000-01 2019-04-01 | F00021-01-000-02 2021-04-01 | F00021-01-000-02 2022-11-01 | F00021-01-000-02 2023-11-23 | F00021-01-000-03 2024-07-22 | F00021-01-000-03 2024-11-23 | F00021-01-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$3,608 | HK$3,608 | HK$3,969 (+10.0%) | HK$4,365 (+10.0%) | HK$4,365 | HK$4,802 (+10.0%) | HK$5,379 (+12.0%) | +5.82% |
| 5 | HK$2,626 | HK$2,626 | HK$2,889 (+10.0%) | HK$3,179 (+10.0%) | HK$3,179 | HK$3,496 (+10.0%) | HK$3,915 (+12.0%) | +5.82% |
| 10 | HK$2,518 | HK$2,518 | HK$2,770 (+10.0%) | HK$3,048 (+10.0%) | HK$3,048 | HK$3,352 (+10.0%) | HK$3,755 (+12.0%) | +5.82% |
| 15 | HK$2,574 | HK$2,574 | HK$2,831 (+10.0%) | HK$3,114 (+10.0%) | HK$3,114 | HK$3,426 (+10.0%) | HK$3,837 (+12.0%) | +5.81% |
| 20 | HK$3,220 | HK$3,220 | HK$3,543 (+10.0%) | HK$3,898 (+10.0%) | HK$3,898 | HK$4,287 (+10.0%) | HK$4,801 (+12.0%) | +5.82% |
| 25 | HK$3,860 | HK$3,860 | HK$4,245 (+10.0%) | HK$4,670 (+10.0%) | HK$4,670 | HK$5,137 (+10.0%) | HK$5,754 (+12.0%) | +5.81% |
| 30 | HK$4,711 | HK$4,711 | HK$5,182 (+10.0%) | HK$5,700 (+10.0%) | HK$5,700 | HK$6,270 (+10.0%) | HK$7,023 (+12.0%) | +5.82% |
| 35 | HK$5,379 | HK$5,379 | HK$5,917 (+10.0%) | HK$6,508 (+10.0%) | HK$6,508 | HK$7,160 (+10.0%) | HK$8,019 (+12.0%) | +5.82% |
| 40 | HK$6,411 | HK$6,411 | HK$7,052 (+10.0%) | HK$7,757 (+10.0%) | HK$7,757 | HK$8,533 (+10.0%) | HK$9,557 (+12.0%) | +5.82% |
| 45 | HK$7,407 | HK$7,407 | HK$8,148 (+10.0%) | HK$8,962 (+10.0%) | HK$8,962 | HK$9,858 (+10.0%) | HK$11,042 (+12.0%) | +5.82% |
| 50 | HK$8,505 | HK$8,505 | HK$9,355 (+10.0%) | HK$10,290 (+10.0%) | HK$10,290 | HK$11,319 (+10.0%) | HK$12,677 (+12.0%) | +5.81% |
| 55 | HK$9,844 | HK$9,844 | HK$10,829 (+10.0%) | HK$11,912 (+10.0%) | HK$11,912 | HK$13,104 (+10.0%) | HK$14,676 (+12.0%) | +5.82% |
| 60 | HK$11,311 | HK$11,311 | HK$12,442 (+10.0%) | HK$13,686 (+10.0%) | HK$13,686 | HK$15,055 (+10.0%) | HK$16,862 (+12.0%) | +5.82% |
| 65 | HK$14,727 | HK$14,727 | HK$16,200 (+10.0%) | HK$17,820 (+10.0%) | HK$17,820 | HK$19,602 (+10.0%) | HK$21,955 (+12.0%) | +5.82% |
| 70 | HK$17,542 | HK$17,542 | HK$19,296 (+10.0%) | HK$21,226 (+10.0%) | HK$21,226 | HK$23,349 (+10.0%) | HK$26,151 (+12.0%) | +5.82% |
| 75 | HK$17,980 | HK$17,980 | HK$19,777 (+10.0%) | HK$21,755 (+10.0%) | HK$21,755 | HK$23,930 (+10.0%) | HK$26,801 (+12.0%) | +5.81% |
| 80 | HK$17,980 | HK$17,980 | HK$19,777 (+10.0%) | HK$21,755 (+10.0%) | HK$21,755 | HK$23,930 (+10.0%) | HK$26,801 (+12.0%) | +5.81% |
| 85 | HK$17,980 | HK$17,980 | HK$19,777 (+10.0%) | HK$21,755 (+10.0%) | HK$21,755 | HK$23,930 (+10.0%) | HK$26,801 (+12.0%) | +5.81% |
| 90 | HK$17,980 | HK$17,980 | HK$19,777 (+10.0%) | HK$21,755 (+10.0%) | HK$21,755 | HK$23,930 (+10.0%) | HK$26,801 (+12.0%) | +5.81% |
| 95 | HK$17,980 | HK$17,980 | HK$19,777 (+10.0%) | HK$21,755 (+10.0%) | HK$21,755 | HK$23,930 (+10.0%) | HK$26,801 (+12.0%) | +5.81% |
| 99 | HK$17,980 | HK$17,980 | HK$19,777 (+10.0%) | HK$21,755 (+10.0%) | HK$21,755 | HK$23,930 (+10.0%) | HK$26,801 (+12.0%) | +5.81% |
| All ages average | — | 0.0% | +10.0% | +10.0% | 0.0% | +10.0% | +12.0% | — |
0 y/oHK$3,608
5 y/oHK$2,626
10 y/oHK$2,518
15 y/oHK$2,574
20 y/oHK$3,220
25 y/oHK$3,860
30 y/oHK$4,711
35 y/oHK$5,379
40 y/oHK$6,411
45 y/oHK$7,407
50 y/oHK$8,505
55 y/oHK$9,844
60 y/oHK$11,311
65 y/oHK$14,727
70 y/oHK$17,542
75 y/oHK$17,980
80 y/oHK$17,980
85 y/oHK$17,980
90 y/oHK$17,980
95 y/oHK$17,980
99 y/oHK$17,980
0.0%
All-ages avg
0 y/oHK$3,608
5 y/oHK$2,626
10 y/oHK$2,518
15 y/oHK$2,574
20 y/oHK$3,220
25 y/oHK$3,860
30 y/oHK$4,711
35 y/oHK$5,379
40 y/oHK$6,411
45 y/oHK$7,407
50 y/oHK$8,505
55 y/oHK$9,844
60 y/oHK$11,311
65 y/oHK$14,727
70 y/oHK$17,542
75 y/oHK$17,980
80 y/oHK$17,980
85 y/oHK$17,980
90 y/oHK$17,980
95 y/oHK$17,980
99 y/oHK$17,980
+10.0%
All-ages avg
0 y/oHK$3,969 (+10.0%)
5 y/oHK$2,889 (+10.0%)
10 y/oHK$2,770 (+10.0%)
15 y/oHK$2,831 (+10.0%)
20 y/oHK$3,543 (+10.0%)
25 y/oHK$4,245 (+10.0%)
30 y/oHK$5,182 (+10.0%)
35 y/oHK$5,917 (+10.0%)
40 y/oHK$7,052 (+10.0%)
45 y/oHK$8,148 (+10.0%)
50 y/oHK$9,355 (+10.0%)
55 y/oHK$10,829 (+10.0%)
60 y/oHK$12,442 (+10.0%)
65 y/oHK$16,200 (+10.0%)
70 y/oHK$19,296 (+10.0%)
75 y/oHK$19,777 (+10.0%)
80 y/oHK$19,777 (+10.0%)
85 y/oHK$19,777 (+10.0%)
90 y/oHK$19,777 (+10.0%)
95 y/oHK$19,777 (+10.0%)
99 y/oHK$19,777 (+10.0%)
+10.0%
All-ages avg
0 y/oHK$4,365 (+10.0%)
5 y/oHK$3,179 (+10.0%)
10 y/oHK$3,048 (+10.0%)
15 y/oHK$3,114 (+10.0%)
20 y/oHK$3,898 (+10.0%)
25 y/oHK$4,670 (+10.0%)
30 y/oHK$5,700 (+10.0%)
35 y/oHK$6,508 (+10.0%)
40 y/oHK$7,757 (+10.0%)
45 y/oHK$8,962 (+10.0%)
50 y/oHK$10,290 (+10.0%)
55 y/oHK$11,912 (+10.0%)
60 y/oHK$13,686 (+10.0%)
65 y/oHK$17,820 (+10.0%)
70 y/oHK$21,226 (+10.0%)
75 y/oHK$21,755 (+10.0%)
80 y/oHK$21,755 (+10.0%)
85 y/oHK$21,755 (+10.0%)
90 y/oHK$21,755 (+10.0%)
95 y/oHK$21,755 (+10.0%)
99 y/oHK$21,755 (+10.0%)
0.0%
All-ages avg
0 y/oHK$4,365
5 y/oHK$3,179
10 y/oHK$3,048
15 y/oHK$3,114
20 y/oHK$3,898
25 y/oHK$4,670
30 y/oHK$5,700
35 y/oHK$6,508
40 y/oHK$7,757
45 y/oHK$8,962
50 y/oHK$10,290
55 y/oHK$11,912
60 y/oHK$13,686
65 y/oHK$17,820
70 y/oHK$21,226
75 y/oHK$21,755
80 y/oHK$21,755
85 y/oHK$21,755
90 y/oHK$21,755
95 y/oHK$21,755
99 y/oHK$21,755
+10.0%
All-ages avg
0 y/oHK$4,802 (+10.0%)
5 y/oHK$3,496 (+10.0%)
10 y/oHK$3,352 (+10.0%)
15 y/oHK$3,426 (+10.0%)
20 y/oHK$4,287 (+10.0%)
25 y/oHK$5,137 (+10.0%)
30 y/oHK$6,270 (+10.0%)
35 y/oHK$7,160 (+10.0%)
40 y/oHK$8,533 (+10.0%)
45 y/oHK$9,858 (+10.0%)
50 y/oHK$11,319 (+10.0%)
55 y/oHK$13,104 (+10.0%)
60 y/oHK$15,055 (+10.0%)
65 y/oHK$19,602 (+10.0%)
70 y/oHK$23,349 (+10.0%)
75 y/oHK$23,930 (+10.0%)
80 y/oHK$23,930 (+10.0%)
85 y/oHK$23,930 (+10.0%)
90 y/oHK$23,930 (+10.0%)
95 y/oHK$23,930 (+10.0%)
99 y/oHK$23,930 (+10.0%)
+12.0%
All-ages avg
0 y/oHK$5,379 (+12.0%)
5 y/oHK$3,915 (+12.0%)
10 y/oHK$3,755 (+12.0%)
15 y/oHK$3,837 (+12.0%)
20 y/oHK$4,801 (+12.0%)
25 y/oHK$5,754 (+12.0%)
30 y/oHK$7,023 (+12.0%)
35 y/oHK$8,019 (+12.0%)
40 y/oHK$9,557 (+12.0%)
45 y/oHK$11,042 (+12.0%)
50 y/oHK$12,677 (+12.0%)
55 y/oHK$14,676 (+12.0%)
60 y/oHK$16,862 (+12.0%)
65 y/oHK$21,955 (+12.0%)
70 y/oHK$26,151 (+12.0%)
75 y/oHK$26,801 (+12.0%)
80 y/oHK$26,801 (+12.0%)
85 y/oHK$26,801 (+12.0%)
90 y/oHK$26,801 (+12.0%)
95 y/oHK$26,801 (+12.0%)
99 y/oHK$26,801 (+12.0%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-04-27
0 y/o+5.82%
5 y/o+5.82%
10 y/o+5.82%
15 y/o+5.81%
20 y/o+5.82%
25 y/o+5.81%
30 y/o+5.82%
35 y/o+5.82%
40 y/o+5.82%
45 y/o+5.82%
50 y/o+5.81%
55 y/o+5.82%
60 y/o+5.82%
65 y/o+5.82%
70 y/o+5.82%
75 y/o+5.81%
80 y/o+5.81%
85 y/o+5.81%
90 y/o+5.81%
95 y/o+5.81%
99 y/o+5.81%
格仔顯示保費金額，括號內為相對上一個版本嘅百分比變化。首個版本只顯示基準保費。年均加幅使用複息公式（最新/最早 ^ (1/years) − 1），年期＝今日減最早版本日期。計算至 2026-04-27 · as of 2026-04-27
USD
Male
| Age | F00021-04-000-01 2019-04-01 | F00021-04-000-02 2021-04-01 | F00021-04-000-02 2022-11-01 | F00021-04-000-02 2023-11-23 | F00021-04-000-03 2024-07-22 | F00021-04-000-03 2024-11-23 | F00021-04-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | US$595 | US$595 | US$654 (+9.9%) | US$719 (+9.9%) | US$719 | US$790 (+9.9%) | US$886 (+12.2%) | +5.80% |
| 5 | US$365 | US$365 | US$402 (+10.1%) | US$443 (+10.2%) | US$443 | US$487 (+9.9%) | US$545 (+11.9%) | +5.84% |
| 10 | US$330 | US$330 | US$362 (+9.7%) | US$399 (+10.2%) | US$399 | US$438 (+9.8%) | US$490 (+11.9%) | +5.76% |
| 15 | US$338 | US$338 | US$371 (+9.8%) | US$408 (+10.0%) | US$408 | US$450 (+10.3%) | US$504 (+12.0%) | +5.82% |
| 20 | US$373 | US$373 | US$411 (+10.2%) | US$451 (+9.7%) | US$451 | US$496 (+10.0%) | US$556 (+12.1%) | +5.81% |
| 25 | US$421 | US$421 | US$464 (+10.2%) | US$511 (+10.1%) | US$511 | US$562 (+10.0%) | US$630 (+12.1%) | +5.87% |
| 30 | US$487 | US$487 | US$536 (+10.1%) | US$589 (+9.9%) | US$589 | US$648 (+10.0%) | US$726 (+12.0%) | +5.82% |
| 35 | US$532 | US$532 | US$586 (+10.2%) | US$644 (+9.9%) | US$644 | US$708 (+9.9%) | US$793 (+12.0%) | +5.81% |
| 40 | US$607 | US$607 | US$668 (+10.0%) | US$735 (+10.0%) | US$735 | US$807 (+9.8%) | US$905 (+12.1%) | +5.82% |
| 45 | US$724 | US$724 | US$795 (+9.8%) | US$875 (+10.1%) | US$875 | US$963 (+10.1%) | US$1,079 (+12.0%) | +5.81% |
| 50 | US$874 | US$874 | US$961 (+10.0%) | US$1,057 (+10.0%) | US$1,057 | US$1,163 (+10.0%) | US$1,302 (+12.0%) | +5.80% |
| 55 | US$1,096 | US$1,096 | US$1,207 (+10.1%) | US$1,327 (+9.9%) | US$1,327 | US$1,460 (+10.0%) | US$1,636 (+12.1%) | +5.83% |
| 60 | US$1,418 | US$1,418 | US$1,558 (+9.9%) | US$1,714 (+10.0%) | US$1,714 | US$1,886 (+10.0%) | US$2,112 (+12.0%) | +5.80% |
| 65 | US$2,085 | US$2,085 | US$2,293 (+10.0%) | US$2,523 (+10.0%) | US$2,523 | US$2,775 (+10.0%) | US$3,108 (+12.0%) | +5.81% |
| 70 | US$2,543 | US$2,543 | US$2,796 (+9.9%) | US$3,076 (+10.0%) | US$3,076 | US$3,383 (+10.0%) | US$3,789 (+12.0%) | +5.81% |
| 75 | US$2,606 | US$2,606 | US$2,867 (+10.0%) | US$3,152 (+9.9%) | US$3,152 | US$3,468 (+10.0%) | US$3,885 (+12.0%) | +5.82% |
| 80 | US$2,606 | US$2,606 | US$2,867 (+10.0%) | US$3,152 (+9.9%) | US$3,152 | US$3,468 (+10.0%) | US$3,885 (+12.0%) | +5.82% |
| 85 | US$2,606 | US$2,606 | US$2,867 (+10.0%) | US$3,152 (+9.9%) | US$3,152 | US$3,468 (+10.0%) | US$3,885 (+12.0%) | +5.82% |
| 90 | US$2,606 | US$2,606 | US$2,867 (+10.0%) | US$3,152 (+9.9%) | US$3,152 | US$3,468 (+10.0%) | US$3,885 (+12.0%) | +5.82% |
| 95 | US$2,606 | US$2,606 | US$2,867 (+10.0%) | US$3,152 (+9.9%) | US$3,152 | US$3,468 (+10.0%) | US$3,885 (+12.0%) | +5.82% |
| 99 | US$2,606 | US$2,606 | US$2,867 (+10.0%) | US$3,152 (+9.9%) | US$3,152 | US$3,468 (+10.0%) | US$3,885 (+12.0%) | +5.82% |
| All ages average | — | 0.0% | +10.0% | +10.0% | 0.0% | +10.0% | +12.0% | — |
0 y/oUS$595
5 y/oUS$365
10 y/oUS$330
15 y/oUS$338
20 y/oUS$373
25 y/oUS$421
30 y/oUS$487
35 y/oUS$532
40 y/oUS$607
45 y/oUS$724
50 y/oUS$874
55 y/oUS$1,096
60 y/oUS$1,418
65 y/oUS$2,085
70 y/oUS$2,543
75 y/oUS$2,606
80 y/oUS$2,606
85 y/oUS$2,606
90 y/oUS$2,606
95 y/oUS$2,606
99 y/oUS$2,606
0.0%
All-ages avg
0 y/oUS$595
5 y/oUS$365
10 y/oUS$330
15 y/oUS$338
20 y/oUS$373
25 y/oUS$421
30 y/oUS$487
35 y/oUS$532
40 y/oUS$607
45 y/oUS$724
50 y/oUS$874
55 y/oUS$1,096
60 y/oUS$1,418
65 y/oUS$2,085
70 y/oUS$2,543
75 y/oUS$2,606
80 y/oUS$2,606
85 y/oUS$2,606
90 y/oUS$2,606
95 y/oUS$2,606
99 y/oUS$2,606
+10.0%
All-ages avg
0 y/oUS$654 (+9.9%)
5 y/oUS$402 (+10.1%)
10 y/oUS$362 (+9.7%)
15 y/oUS$371 (+9.8%)
20 y/oUS$411 (+10.2%)
25 y/oUS$464 (+10.2%)
30 y/oUS$536 (+10.1%)
35 y/oUS$586 (+10.2%)
40 y/oUS$668 (+10.0%)
45 y/oUS$795 (+9.8%)
50 y/oUS$961 (+10.0%)
55 y/oUS$1,207 (+10.1%)
60 y/oUS$1,558 (+9.9%)
65 y/oUS$2,293 (+10.0%)
70 y/oUS$2,796 (+9.9%)
75 y/oUS$2,867 (+10.0%)
80 y/oUS$2,867 (+10.0%)
85 y/oUS$2,867 (+10.0%)
90 y/oUS$2,867 (+10.0%)
95 y/oUS$2,867 (+10.0%)
99 y/oUS$2,867 (+10.0%)
+10.0%
All-ages avg
0 y/oUS$719 (+9.9%)
5 y/oUS$443 (+10.2%)
10 y/oUS$399 (+10.2%)
15 y/oUS$408 (+10.0%)
20 y/oUS$451 (+9.7%)
25 y/oUS$511 (+10.1%)
30 y/oUS$589 (+9.9%)
35 y/oUS$644 (+9.9%)
40 y/oUS$735 (+10.0%)
45 y/oUS$875 (+10.1%)
50 y/oUS$1,057 (+10.0%)
55 y/oUS$1,327 (+9.9%)
60 y/oUS$1,714 (+10.0%)
65 y/oUS$2,523 (+10.0%)
70 y/oUS$3,076 (+10.0%)
75 y/oUS$3,152 (+9.9%)
80 y/oUS$3,152 (+9.9%)
85 y/oUS$3,152 (+9.9%)
90 y/oUS$3,152 (+9.9%)
95 y/oUS$3,152 (+9.9%)
99 y/oUS$3,152 (+9.9%)
0.0%
All-ages avg
0 y/oUS$719
5 y/oUS$443
10 y/oUS$399
15 y/oUS$408
20 y/oUS$451
25 y/oUS$511
30 y/oUS$589
35 y/oUS$644
40 y/oUS$735
45 y/oUS$875
50 y/oUS$1,057
55 y/oUS$1,327
60 y/oUS$1,714
65 y/oUS$2,523
70 y/oUS$3,076
75 y/oUS$3,152
80 y/oUS$3,152
85 y/oUS$3,152
90 y/oUS$3,152
95 y/oUS$3,152
99 y/oUS$3,152
+10.0%
All-ages avg
0 y/oUS$790 (+9.9%)
5 y/oUS$487 (+9.9%)
10 y/oUS$438 (+9.8%)
15 y/oUS$450 (+10.3%)
20 y/oUS$496 (+10.0%)
25 y/oUS$562 (+10.0%)
30 y/oUS$648 (+10.0%)
35 y/oUS$708 (+9.9%)
40 y/oUS$807 (+9.8%)
45 y/oUS$963 (+10.1%)
50 y/oUS$1,163 (+10.0%)
55 y/oUS$1,460 (+10.0%)
60 y/oUS$1,886 (+10.0%)
65 y/oUS$2,775 (+10.0%)
70 y/oUS$3,383 (+10.0%)
75 y/oUS$3,468 (+10.0%)
80 y/oUS$3,468 (+10.0%)
85 y/oUS$3,468 (+10.0%)
90 y/oUS$3,468 (+10.0%)
95 y/oUS$3,468 (+10.0%)
99 y/oUS$3,468 (+10.0%)
+12.0%
All-ages avg
0 y/oUS$886 (+12.2%)
5 y/oUS$545 (+11.9%)
10 y/oUS$490 (+11.9%)
15 y/oUS$504 (+12.0%)
20 y/oUS$556 (+12.1%)
25 y/oUS$630 (+12.1%)
30 y/oUS$726 (+12.0%)
35 y/oUS$793 (+12.0%)
40 y/oUS$905 (+12.1%)
45 y/oUS$1,079 (+12.0%)
50 y/oUS$1,302 (+12.0%)
55 y/oUS$1,636 (+12.1%)
60 y/oUS$2,112 (+12.0%)
65 y/oUS$3,108 (+12.0%)
70 y/oUS$3,789 (+12.0%)
75 y/oUS$3,885 (+12.0%)
80 y/oUS$3,885 (+12.0%)
85 y/oUS$3,885 (+12.0%)
90 y/oUS$3,885 (+12.0%)
95 y/oUS$3,885 (+12.0%)
99 y/oUS$3,885 (+12.0%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-04-27
0 y/o+5.80%
5 y/o+5.84%
10 y/o+5.76%
15 y/o+5.82%
20 y/o+5.81%
25 y/o+5.87%
30 y/o+5.82%
35 y/o+5.81%
40 y/o+5.82%
45 y/o+5.81%
50 y/o+5.80%
55 y/o+5.83%
60 y/o+5.80%
65 y/o+5.81%
70 y/o+5.81%
75 y/o+5.82%
80 y/o+5.82%
85 y/o+5.82%
90 y/o+5.82%
95 y/o+5.82%
99 y/o+5.82%
格仔顯示保費金額，括號內為相對上一個版本嘅百分比變化。首個版本只顯示基準保費。年均加幅使用複息公式（最新/最早 ^ (1/years) − 1），年期＝今日減最早版本日期。計算至 2026-04-27 · as of 2026-04-27
Female
| Age | F00021-04-000-01 2019-04-01 | F00021-04-000-02 2021-04-01 | F00021-04-000-02 2022-11-01 | F00021-04-000-02 2023-11-23 | F00021-04-000-03 2024-07-22 | F00021-04-000-03 2024-11-23 | F00021-04-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | US$465 | US$465 | US$512 (+10.1%) | US$563 (+10.0%) | US$563 | US$620 (+10.1%) | US$694 (+11.9%) | +5.83% |
| 5 | US$338 | US$338 | US$373 (+10.4%) | US$411 (+10.2%) | US$411 | US$451 (+9.7%) | US$505 (+12.0%) | +5.85% |
| 10 | US$325 | US$325 | US$357 (+9.8%) | US$393 (+10.1%) | US$393 | US$432 (+9.9%) | US$485 (+12.3%) | +5.83% |
| 15 | US$331 | US$331 | US$365 (+10.3%) | US$402 (+10.1%) | US$402 | US$442 (+10.0%) | US$495 (+12.0%) | +5.86% |
| 20 | US$415 | US$415 | US$457 (+10.1%) | US$502 (+9.8%) | US$502 | US$554 (+10.4%) | US$619 (+11.7%) | +5.82% |
| 25 | US$499 | US$499 | US$548 (+9.8%) | US$602 (+9.9%) | US$602 | US$663 (+10.1%) | US$743 (+12.1%) | +5.80% |
| 30 | US$608 | US$608 | US$669 (+10.0%) | US$736 (+10.0%) | US$736 | US$810 (+10.1%) | US$906 (+11.9%) | +5.81% |
| 35 | US$694 | US$694 | US$763 (+9.9%) | US$839 (+10.0%) | US$839 | US$924 (+10.1%) | US$1,035 (+12.0%) | +5.82% |
| 40 | US$827 | US$827 | US$910 (+10.0%) | US$1,001 (+10.0%) | US$1,001 | US$1,101 (+10.0%) | US$1,233 (+12.0%) | +5.82% |
| 45 | US$956 | US$956 | US$1,051 (+9.9%) | US$1,156 (+10.0%) | US$1,156 | US$1,273 (+10.1%) | US$1,425 (+11.9%) | +5.81% |
| 50 | US$1,096 | US$1,096 | US$1,207 (+10.1%) | US$1,327 (+9.9%) | US$1,327 | US$1,461 (+10.1%) | US$1,636 (+12.0%) | +5.83% |
| 55 | US$1,270 | US$1,270 | US$1,398 (+10.1%) | US$1,537 (+9.9%) | US$1,537 | US$1,690 (+10.0%) | US$1,894 (+12.1%) | +5.82% |
| 60 | US$1,460 | US$1,460 | US$1,606 (+10.0%) | US$1,765 (+9.9%) | US$1,765 | US$1,943 (+10.1%) | US$2,176 (+12.0%) | +5.81% |
| 65 | US$1,900 | US$1,900 | US$2,090 (+10.0%) | US$2,299 (+10.0%) | US$2,299 | US$2,530 (+10.0%) | US$2,833 (+12.0%) | +5.82% |
| 70 | US$2,264 | US$2,264 | US$2,489 (+9.9%) | US$2,739 (+10.0%) | US$2,739 | US$3,013 (+10.0%) | US$3,374 (+12.0%) | +5.81% |
| 75 | US$2,320 | US$2,320 | US$2,552 (+10.0%) | US$2,807 (+10.0%) | US$2,807 | US$3,088 (+10.0%) | US$3,458 (+12.0%) | +5.81% |
| 80 | US$2,320 | US$2,320 | US$2,552 (+10.0%) | US$2,807 (+10.0%) | US$2,807 | US$3,088 (+10.0%) | US$3,458 (+12.0%) | +5.81% |
| 85 | US$2,320 | US$2,320 | US$2,552 (+10.0%) | US$2,807 (+10.0%) | US$2,807 | US$3,088 (+10.0%) | US$3,458 (+12.0%) | +5.81% |
| 90 | US$2,320 | US$2,320 | US$2,552 (+10.0%) | US$2,807 (+10.0%) | US$2,807 | US$3,088 (+10.0%) | US$3,458 (+12.0%) | +5.81% |
| 95 | US$2,320 | US$2,320 | US$2,552 (+10.0%) | US$2,807 (+10.0%) | US$2,807 | US$3,088 (+10.0%) | US$3,458 (+12.0%) | +5.81% |
| 99 | US$2,320 | US$2,320 | US$2,552 (+10.0%) | US$2,807 (+10.0%) | US$2,807 | US$3,088 (+10.0%) | US$3,458 (+12.0%) | +5.81% |
| All ages average | — | 0.0% | +10.0% | +10.0% | 0.0% | +10.0% | +12.0% | — |
0 y/oUS$465
5 y/oUS$338
10 y/oUS$325
15 y/oUS$331
20 y/oUS$415
25 y/oUS$499
30 y/oUS$608
35 y/oUS$694
40 y/oUS$827
45 y/oUS$956
50 y/oUS$1,096
55 y/oUS$1,270
60 y/oUS$1,460
65 y/oUS$1,900
70 y/oUS$2,264
75 y/oUS$2,320
80 y/oUS$2,320
85 y/oUS$2,320
90 y/oUS$2,320
95 y/oUS$2,320
99 y/oUS$2,320
0.0%
All-ages avg
0 y/oUS$465
5 y/oUS$338
10 y/oUS$325
15 y/oUS$331
20 y/oUS$415
25 y/oUS$499
30 y/oUS$608
35 y/oUS$694
40 y/oUS$827
45 y/oUS$956
50 y/oUS$1,096
55 y/oUS$1,270
60 y/oUS$1,460
65 y/oUS$1,900
70 y/oUS$2,264
75 y/oUS$2,320
80 y/oUS$2,320
85 y/oUS$2,320
90 y/oUS$2,320
95 y/oUS$2,320
99 y/oUS$2,320
+10.0%
All-ages avg
0 y/oUS$512 (+10.1%)
5 y/oUS$373 (+10.4%)
10 y/oUS$357 (+9.8%)
15 y/oUS$365 (+10.3%)
20 y/oUS$457 (+10.1%)
25 y/oUS$548 (+9.8%)
30 y/oUS$669 (+10.0%)
35 y/oUS$763 (+9.9%)
40 y/oUS$910 (+10.0%)
45 y/oUS$1,051 (+9.9%)
50 y/oUS$1,207 (+10.1%)
55 y/oUS$1,398 (+10.1%)
60 y/oUS$1,606 (+10.0%)
65 y/oUS$2,090 (+10.0%)
70 y/oUS$2,489 (+9.9%)
75 y/oUS$2,552 (+10.0%)
80 y/oUS$2,552 (+10.0%)
85 y/oUS$2,552 (+10.0%)
90 y/oUS$2,552 (+10.0%)
95 y/oUS$2,552 (+10.0%)
99 y/oUS$2,552 (+10.0%)
+10.0%
All-ages avg
0 y/oUS$563 (+10.0%)
5 y/oUS$411 (+10.2%)
10 y/oUS$393 (+10.1%)
15 y/oUS$402 (+10.1%)
20 y/oUS$502 (+9.8%)
25 y/oUS$602 (+9.9%)
30 y/oUS$736 (+10.0%)
35 y/oUS$839 (+10.0%)
40 y/oUS$1,001 (+10.0%)
45 y/oUS$1,156 (+10.0%)
50 y/oUS$1,327 (+9.9%)
55 y/oUS$1,537 (+9.9%)
60 y/oUS$1,765 (+9.9%)
65 y/oUS$2,299 (+10.0%)
70 y/oUS$2,739 (+10.0%)
75 y/oUS$2,807 (+10.0%)
80 y/oUS$2,807 (+10.0%)
85 y/oUS$2,807 (+10.0%)
90 y/oUS$2,807 (+10.0%)
95 y/oUS$2,807 (+10.0%)
99 y/oUS$2,807 (+10.0%)
0.0%
All-ages avg
0 y/oUS$563
5 y/oUS$411
10 y/oUS$393
15 y/oUS$402
20 y/oUS$502
25 y/oUS$602
30 y/oUS$736
35 y/oUS$839
40 y/oUS$1,001
45 y/oUS$1,156
50 y/oUS$1,327
55 y/oUS$1,537
60 y/oUS$1,765
65 y/oUS$2,299
70 y/oUS$2,739
75 y/oUS$2,807
80 y/oUS$2,807
85 y/oUS$2,807
90 y/oUS$2,807
95 y/oUS$2,807
99 y/oUS$2,807
+10.0%
All-ages avg
0 y/oUS$620 (+10.1%)
5 y/oUS$451 (+9.7%)
10 y/oUS$432 (+9.9%)
15 y/oUS$442 (+10.0%)
20 y/oUS$554 (+10.4%)
25 y/oUS$663 (+10.1%)
30 y/oUS$810 (+10.1%)
35 y/oUS$924 (+10.1%)
40 y/oUS$1,101 (+10.0%)
45 y/oUS$1,273 (+10.1%)
50 y/oUS$1,461 (+10.1%)
55 y/oUS$1,690 (+10.0%)
60 y/oUS$1,943 (+10.1%)
65 y/oUS$2,530 (+10.0%)
70 y/oUS$3,013 (+10.0%)
75 y/oUS$3,088 (+10.0%)
80 y/oUS$3,088 (+10.0%)
85 y/oUS$3,088 (+10.0%)
90 y/oUS$3,088 (+10.0%)
95 y/oUS$3,088 (+10.0%)
99 y/oUS$3,088 (+10.0%)
+12.0%
All-ages avg
0 y/oUS$694 (+11.9%)
5 y/oUS$505 (+12.0%)
10 y/oUS$485 (+12.3%)
15 y/oUS$495 (+12.0%)
20 y/oUS$619 (+11.7%)
25 y/oUS$743 (+12.1%)
30 y/oUS$906 (+11.9%)
35 y/oUS$1,035 (+12.0%)
40 y/oUS$1,233 (+12.0%)
45 y/oUS$1,425 (+11.9%)
50 y/oUS$1,636 (+12.0%)
55 y/oUS$1,894 (+12.1%)
60 y/oUS$2,176 (+12.0%)
65 y/oUS$2,833 (+12.0%)
70 y/oUS$3,374 (+12.0%)
75 y/oUS$3,458 (+12.0%)
80 y/oUS$3,458 (+12.0%)
85 y/oUS$3,458 (+12.0%)
90 y/oUS$3,458 (+12.0%)
95 y/oUS$3,458 (+12.0%)
99 y/oUS$3,458 (+12.0%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-04-27
0 y/o+5.83%
5 y/o+5.85%
10 y/o+5.83%
15 y/o+5.86%
20 y/o+5.82%
25 y/o+5.80%
30 y/o+5.81%
35 y/o+5.82%
40 y/o+5.82%
45 y/o+5.81%
50 y/o+5.83%
55 y/o+5.82%
60 y/o+5.81%
65 y/o+5.82%
70 y/o+5.81%
75 y/o+5.81%
80 y/o+5.81%
85 y/o+5.81%
90 y/o+5.81%
95 y/o+5.81%
99 y/o+5.81%
格仔顯示保費金額，括號內為相對上一個版本嘅百分比變化。首個版本只顯示基準保費。年均加幅使用複息公式（最新/最早 ^ (1/years) − 1），年期＝今日減最早版本日期。計算至 2026-04-27 · as of 2026-04-27