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''TopCare'' Medical Insurance Plan - Benefit Level 3 with SMM (HKD)
「摯康保」醫療保障計劃 - 保障級別 3+超額醫療保障 (港元)
Chow Tai Fook Life Insurance Co Ltd · F00037-03-000 · 7 versions · Flexi plan · Avg. annual increase +4.33%
HKD
Male
| Age | F00037-03-000-01 2019-08-30 | F00037-03-000-02 2021-04-01 | F00037-03-000-02 2022-11-01 | F00037-03-000-02 2023-11-23 | F00037-03-000-03 2024-07-22 | F00037-03-000-03 2024-11-23 | F00037-03-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$9,019 | HK$9,019 | HK$9,740 (+8.0%) | HK$10,520 (+8.0%) | HK$10,520 | HK$11,573 (+10.0%) | HK$12,151 (+5.0%) | +4.58% |
| 5 | HK$5,299 | HK$5,299 | HK$5,723 (+8.0%) | HK$6,181 (+8.0%) | HK$6,181 | HK$6,799 (+10.0%) | HK$7,139 (+5.0%) | +4.58% |
| 10 | HK$4,764 | HK$4,764 | HK$5,145 (+8.0%) | HK$5,557 (+8.0%) | HK$5,557 | HK$6,113 (+10.0%) | HK$6,419 (+5.0%) | +4.59% |
| 15 | HK$4,873 | HK$4,873 | HK$5,262 (+8.0%) | HK$5,683 (+8.0%) | HK$5,683 | HK$6,251 (+10.0%) | HK$6,564 (+5.0%) | +4.58% |
| 20 | HK$5,576 | HK$5,576 | HK$6,023 (+8.0%) | HK$6,505 (+8.0%) | HK$6,505 | HK$7,155 (+10.0%) | HK$7,513 (+5.0%) | +4.59% |
| 25 | HK$6,225 | HK$6,225 | HK$6,723 (+8.0%) | HK$7,261 (+8.0%) | HK$7,261 | HK$7,987 (+10.0%) | HK$8,187 (+2.5%) | +4.21% |
| 30 | HK$7,136 | HK$7,136 | HK$7,707 (+8.0%) | HK$8,324 (+8.0%) | HK$8,324 | HK$9,156 (+10.0%) | HK$9,156 | +3.82% |
| 35 | HK$7,901 | HK$7,901 | HK$8,533 (+8.0%) | HK$9,215 (+8.0%) | HK$9,215 | HK$10,137 (+10.0%) | HK$10,188 (+0.5%) | +3.90% |
| 40 | HK$8,968 | HK$8,968 | HK$9,686 (+8.0%) | HK$10,461 (+8.0%) | HK$10,461 | HK$11,507 (+10.0%) | HK$11,623 (+1.0%) | +3.98% |
| 45 | HK$10,956 | HK$10,956 | HK$11,832 (+8.0%) | HK$12,779 (+8.0%) | HK$12,779 | HK$14,056 (+10.0%) | HK$14,162 (+0.8%) | +3.94% |
| 50 | HK$14,181 | HK$14,181 | HK$15,315 (+8.0%) | HK$16,540 (+8.0%) | HK$16,540 | HK$18,194 (+10.0%) | HK$18,285 (+0.5%) | +3.90% |
| 55 | HK$17,818 | HK$17,818 | HK$19,243 (+8.0%) | HK$20,782 (+8.0%) | HK$20,782 | HK$22,861 (+10.0%) | HK$23,032 (+0.7%) | +3.94% |
| 60 | HK$23,970 | HK$23,970 | HK$25,888 (+8.0%) | HK$27,960 (+8.0%) | HK$27,960 | HK$30,756 (+10.0%) | HK$31,063 (+1.0%) | +3.97% |
| 65 | HK$31,551 | HK$31,551 | HK$34,075 (+8.0%) | HK$36,801 (+8.0%) | HK$36,801 | HK$40,481 (+10.0%) | HK$41,695 (+3.0%) | +4.28% |
| 70 | HK$39,380 | HK$39,380 | HK$42,530 (+8.0%) | HK$45,932 (+8.0%) | HK$45,932 | HK$50,525 (+10.0%) | HK$53,051 (+5.0%) | +4.58% |
| 75 | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.58% |
| 80 | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.58% |
| 85 | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.58% |
| 90 | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.58% |
| 95 | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.58% |
| 99 | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$9,019
5 y/oHK$5,299
10 y/oHK$4,764
15 y/oHK$4,873
20 y/oHK$5,576
25 y/oHK$6,225
30 y/oHK$7,136
35 y/oHK$7,901
40 y/oHK$8,968
45 y/oHK$10,956
50 y/oHK$14,181
55 y/oHK$17,818
60 y/oHK$23,970
65 y/oHK$31,551
70 y/oHK$39,380
75 y/oHK$41,511
80 y/oHK$41,511
85 y/oHK$41,511
90 y/oHK$41,511
95 y/oHK$41,511
99 y/oHK$41,511
0.0%
All-ages avg
0 y/oHK$9,019
5 y/oHK$5,299
10 y/oHK$4,764
15 y/oHK$4,873
20 y/oHK$5,576
25 y/oHK$6,225
30 y/oHK$7,136
35 y/oHK$7,901
40 y/oHK$8,968
45 y/oHK$10,956
50 y/oHK$14,181
55 y/oHK$17,818
60 y/oHK$23,970
65 y/oHK$31,551
70 y/oHK$39,380
75 y/oHK$41,511
80 y/oHK$41,511
85 y/oHK$41,511
90 y/oHK$41,511
95 y/oHK$41,511
99 y/oHK$41,511
+8.0%
All-ages avg
0 y/oHK$9,740 (+8.0%)
5 y/oHK$5,723 (+8.0%)
10 y/oHK$5,145 (+8.0%)
15 y/oHK$5,262 (+8.0%)
20 y/oHK$6,023 (+8.0%)
25 y/oHK$6,723 (+8.0%)
30 y/oHK$7,707 (+8.0%)
35 y/oHK$8,533 (+8.0%)
40 y/oHK$9,686 (+8.0%)
45 y/oHK$11,832 (+8.0%)
50 y/oHK$15,315 (+8.0%)
55 y/oHK$19,243 (+8.0%)
60 y/oHK$25,888 (+8.0%)
65 y/oHK$34,075 (+8.0%)
70 y/oHK$42,530 (+8.0%)
75 y/oHK$44,832 (+8.0%)
80 y/oHK$44,832 (+8.0%)
85 y/oHK$44,832 (+8.0%)
90 y/oHK$44,832 (+8.0%)
95 y/oHK$44,832 (+8.0%)
99 y/oHK$44,832 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$10,520 (+8.0%)
5 y/oHK$6,181 (+8.0%)
10 y/oHK$5,557 (+8.0%)
15 y/oHK$5,683 (+8.0%)
20 y/oHK$6,505 (+8.0%)
25 y/oHK$7,261 (+8.0%)
30 y/oHK$8,324 (+8.0%)
35 y/oHK$9,215 (+8.0%)
40 y/oHK$10,461 (+8.0%)
45 y/oHK$12,779 (+8.0%)
50 y/oHK$16,540 (+8.0%)
55 y/oHK$20,782 (+8.0%)
60 y/oHK$27,960 (+8.0%)
65 y/oHK$36,801 (+8.0%)
70 y/oHK$45,932 (+8.0%)
75 y/oHK$48,419 (+8.0%)
80 y/oHK$48,419 (+8.0%)
85 y/oHK$48,419 (+8.0%)
90 y/oHK$48,419 (+8.0%)
95 y/oHK$48,419 (+8.0%)
99 y/oHK$48,419 (+8.0%)
0.0%
All-ages avg
0 y/oHK$10,520
5 y/oHK$6,181
10 y/oHK$5,557
15 y/oHK$5,683
20 y/oHK$6,505
25 y/oHK$7,261
30 y/oHK$8,324
35 y/oHK$9,215
40 y/oHK$10,461
45 y/oHK$12,779
50 y/oHK$16,540
55 y/oHK$20,782
60 y/oHK$27,960
65 y/oHK$36,801
70 y/oHK$45,932
75 y/oHK$48,419
80 y/oHK$48,419
85 y/oHK$48,419
90 y/oHK$48,419
95 y/oHK$48,419
99 y/oHK$48,419
+10.0%
All-ages avg
0 y/oHK$11,573 (+10.0%)
5 y/oHK$6,799 (+10.0%)
10 y/oHK$6,113 (+10.0%)
15 y/oHK$6,251 (+10.0%)
20 y/oHK$7,155 (+10.0%)
25 y/oHK$7,987 (+10.0%)
30 y/oHK$9,156 (+10.0%)
35 y/oHK$10,137 (+10.0%)
40 y/oHK$11,507 (+10.0%)
45 y/oHK$14,056 (+10.0%)
50 y/oHK$18,194 (+10.0%)
55 y/oHK$22,861 (+10.0%)
60 y/oHK$30,756 (+10.0%)
65 y/oHK$40,481 (+10.0%)
70 y/oHK$50,525 (+10.0%)
75 y/oHK$53,261 (+10.0%)
80 y/oHK$53,261 (+10.0%)
85 y/oHK$53,261 (+10.0%)
90 y/oHK$53,261 (+10.0%)
95 y/oHK$53,261 (+10.0%)
99 y/oHK$53,261 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$12,151 (+5.0%)
5 y/oHK$7,139 (+5.0%)
10 y/oHK$6,419 (+5.0%)
15 y/oHK$6,564 (+5.0%)
20 y/oHK$7,513 (+5.0%)
25 y/oHK$8,187 (+2.5%)
30 y/oHK$9,156
35 y/oHK$10,188 (+0.5%)
40 y/oHK$11,623 (+1.0%)
45 y/oHK$14,162 (+0.8%)
50 y/oHK$18,285 (+0.5%)
55 y/oHK$23,032 (+0.7%)
60 y/oHK$31,063 (+1.0%)
65 y/oHK$41,695 (+3.0%)
70 y/oHK$53,051 (+5.0%)
75 y/oHK$55,924 (+5.0%)
80 y/oHK$55,924 (+5.0%)
85 y/oHK$55,924 (+5.0%)
90 y/oHK$55,924 (+5.0%)
95 y/oHK$55,924 (+5.0%)
99 y/oHK$55,924 (+5.0%)
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+4.58%
5 y/o+4.58%
10 y/o+4.59%
15 y/o+4.58%
20 y/o+4.59%
25 y/o+4.21%
30 y/o+3.82%
35 y/o+3.90%
40 y/o+3.98%
45 y/o+3.94%
50 y/o+3.90%
55 y/o+3.94%
60 y/o+3.97%
65 y/o+4.28%
70 y/o+4.58%
75 y/o+4.58%
80 y/o+4.58%
85 y/o+4.58%
90 y/o+4.58%
95 y/o+4.58%
99 y/o+4.58%
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 | F00037-03-000-01 2019-08-30 | F00037-03-000-02 2021-04-01 | F00037-03-000-02 2022-11-01 | F00037-03-000-02 2023-11-23 | F00037-03-000-03 2024-07-22 | F00037-03-000-03 2024-11-23 | F00037-03-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$7,123 | HK$7,123 | HK$7,693 (+8.0%) | HK$8,308 (+8.0%) | HK$8,308 | HK$9,139 (+10.0%) | HK$9,596 (+5.0%) | +4.58% |
| 5 | HK$5,043 | HK$5,043 | HK$5,446 (+8.0%) | HK$5,882 (+8.0%) | HK$5,882 | HK$6,470 (+10.0%) | HK$6,794 (+5.0%) | +4.58% |
| 10 | HK$4,357 | HK$4,357 | HK$4,706 (+8.0%) | HK$5,082 (+8.0%) | HK$5,082 | HK$5,590 (+10.0%) | HK$5,870 (+5.0%) | +4.58% |
| 15 | HK$4,530 | HK$4,530 | HK$4,892 (+8.0%) | HK$5,283 (+8.0%) | HK$5,283 | HK$5,812 (+10.0%) | HK$6,102 (+5.0%) | +4.58% |
| 20 | HK$5,762 | HK$5,762 | HK$6,223 (+8.0%) | HK$6,720 (+8.0%) | HK$6,720 | HK$7,393 (+10.0%) | HK$7,763 (+5.0%) | +4.58% |
| 25 | HK$7,181 | HK$7,181 | HK$7,756 (+8.0%) | HK$8,376 (+8.0%) | HK$8,376 | HK$9,214 (+10.0%) | HK$9,445 (+2.5%) | +4.21% |
| 30 | HK$8,788 | HK$8,788 | HK$9,492 (+8.0%) | HK$10,251 (+8.0%) | HK$10,251 | HK$11,276 (+10.0%) | HK$11,276 | +3.82% |
| 35 | HK$10,187 | HK$10,187 | HK$11,002 (+8.0%) | HK$11,882 (+8.0%) | HK$11,882 | HK$13,070 (+10.0%) | HK$13,136 (+0.5%) | +3.90% |
| 40 | HK$12,019 | HK$12,019 | HK$12,981 (+8.0%) | HK$14,019 (+8.0%) | HK$14,019 | HK$15,421 (+10.0%) | HK$15,576 (+1.0%) | +3.98% |
| 45 | HK$13,458 | HK$13,458 | HK$14,535 (+8.0%) | HK$15,698 (+8.0%) | HK$15,698 | HK$17,268 (+10.0%) | HK$17,398 (+0.8%) | +3.94% |
| 50 | HK$15,767 | HK$15,767 | HK$17,029 (+8.0%) | HK$18,390 (+8.0%) | HK$18,390 | HK$20,230 (+10.0%) | HK$20,331 (+0.5%) | +3.90% |
| 55 | HK$17,826 | HK$17,826 | HK$19,252 (+8.0%) | HK$20,793 (+8.0%) | HK$20,793 | HK$22,873 (+10.0%) | HK$23,044 (+0.7%) | +3.94% |
| 60 | HK$21,968 | HK$21,968 | HK$23,725 (+8.0%) | HK$25,623 (+8.0%) | HK$25,623 | HK$28,185 (+10.0%) | HK$28,467 (+1.0%) | +3.97% |
| 65 | HK$28,276 | HK$28,276 | HK$30,538 (+8.0%) | HK$32,981 (+8.0%) | HK$32,981 | HK$36,279 (+10.0%) | HK$37,367 (+3.0%) | +4.28% |
| 70 | HK$36,055 | HK$36,055 | HK$38,939 (+8.0%) | HK$42,055 (+8.0%) | HK$42,055 | HK$46,261 (+10.0%) | HK$48,574 (+5.0%) | +4.58% |
| 75 | HK$38,261 | HK$38,261 | HK$41,321 (+8.0%) | HK$44,627 (+8.0%) | HK$44,627 | HK$49,090 (+10.0%) | HK$51,545 (+5.0%) | +4.58% |
| 80 | HK$38,261 | HK$38,261 | HK$41,321 (+8.0%) | HK$44,627 (+8.0%) | HK$44,627 | HK$49,090 (+10.0%) | HK$51,545 (+5.0%) | +4.58% |
| 85 | HK$38,261 | HK$38,261 | HK$41,321 (+8.0%) | HK$44,627 (+8.0%) | HK$44,627 | HK$49,090 (+10.0%) | HK$51,545 (+5.0%) | +4.58% |
| 90 | HK$38,261 | HK$38,261 | HK$41,321 (+8.0%) | HK$44,627 (+8.0%) | HK$44,627 | HK$49,090 (+10.0%) | HK$51,545 (+5.0%) | +4.58% |
| 95 | HK$38,261 | HK$38,261 | HK$41,321 (+8.0%) | HK$44,627 (+8.0%) | HK$44,627 | HK$49,090 (+10.0%) | HK$51,545 (+5.0%) | +4.58% |
| 99 | HK$38,261 | HK$38,261 | HK$41,321 (+8.0%) | HK$44,627 (+8.0%) | HK$44,627 | HK$49,090 (+10.0%) | HK$51,545 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$7,123
5 y/oHK$5,043
10 y/oHK$4,357
15 y/oHK$4,530
20 y/oHK$5,762
25 y/oHK$7,181
30 y/oHK$8,788
35 y/oHK$10,187
40 y/oHK$12,019
45 y/oHK$13,458
50 y/oHK$15,767
55 y/oHK$17,826
60 y/oHK$21,968
65 y/oHK$28,276
70 y/oHK$36,055
75 y/oHK$38,261
80 y/oHK$38,261
85 y/oHK$38,261
90 y/oHK$38,261
95 y/oHK$38,261
99 y/oHK$38,261
0.0%
All-ages avg
0 y/oHK$7,123
5 y/oHK$5,043
10 y/oHK$4,357
15 y/oHK$4,530
20 y/oHK$5,762
25 y/oHK$7,181
30 y/oHK$8,788
35 y/oHK$10,187
40 y/oHK$12,019
45 y/oHK$13,458
50 y/oHK$15,767
55 y/oHK$17,826
60 y/oHK$21,968
65 y/oHK$28,276
70 y/oHK$36,055
75 y/oHK$38,261
80 y/oHK$38,261
85 y/oHK$38,261
90 y/oHK$38,261
95 y/oHK$38,261
99 y/oHK$38,261
+8.0%
All-ages avg
0 y/oHK$7,693 (+8.0%)
5 y/oHK$5,446 (+8.0%)
10 y/oHK$4,706 (+8.0%)
15 y/oHK$4,892 (+8.0%)
20 y/oHK$6,223 (+8.0%)
25 y/oHK$7,756 (+8.0%)
30 y/oHK$9,492 (+8.0%)
35 y/oHK$11,002 (+8.0%)
40 y/oHK$12,981 (+8.0%)
45 y/oHK$14,535 (+8.0%)
50 y/oHK$17,029 (+8.0%)
55 y/oHK$19,252 (+8.0%)
60 y/oHK$23,725 (+8.0%)
65 y/oHK$30,538 (+8.0%)
70 y/oHK$38,939 (+8.0%)
75 y/oHK$41,321 (+8.0%)
80 y/oHK$41,321 (+8.0%)
85 y/oHK$41,321 (+8.0%)
90 y/oHK$41,321 (+8.0%)
95 y/oHK$41,321 (+8.0%)
99 y/oHK$41,321 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$8,308 (+8.0%)
5 y/oHK$5,882 (+8.0%)
10 y/oHK$5,082 (+8.0%)
15 y/oHK$5,283 (+8.0%)
20 y/oHK$6,720 (+8.0%)
25 y/oHK$8,376 (+8.0%)
30 y/oHK$10,251 (+8.0%)
35 y/oHK$11,882 (+8.0%)
40 y/oHK$14,019 (+8.0%)
45 y/oHK$15,698 (+8.0%)
50 y/oHK$18,390 (+8.0%)
55 y/oHK$20,793 (+8.0%)
60 y/oHK$25,623 (+8.0%)
65 y/oHK$32,981 (+8.0%)
70 y/oHK$42,055 (+8.0%)
75 y/oHK$44,627 (+8.0%)
80 y/oHK$44,627 (+8.0%)
85 y/oHK$44,627 (+8.0%)
90 y/oHK$44,627 (+8.0%)
95 y/oHK$44,627 (+8.0%)
99 y/oHK$44,627 (+8.0%)
0.0%
All-ages avg
0 y/oHK$8,308
5 y/oHK$5,882
10 y/oHK$5,082
15 y/oHK$5,283
20 y/oHK$6,720
25 y/oHK$8,376
30 y/oHK$10,251
35 y/oHK$11,882
40 y/oHK$14,019
45 y/oHK$15,698
50 y/oHK$18,390
55 y/oHK$20,793
60 y/oHK$25,623
65 y/oHK$32,981
70 y/oHK$42,055
75 y/oHK$44,627
80 y/oHK$44,627
85 y/oHK$44,627
90 y/oHK$44,627
95 y/oHK$44,627
99 y/oHK$44,627
+10.0%
All-ages avg
0 y/oHK$9,139 (+10.0%)
5 y/oHK$6,470 (+10.0%)
10 y/oHK$5,590 (+10.0%)
15 y/oHK$5,812 (+10.0%)
20 y/oHK$7,393 (+10.0%)
25 y/oHK$9,214 (+10.0%)
30 y/oHK$11,276 (+10.0%)
35 y/oHK$13,070 (+10.0%)
40 y/oHK$15,421 (+10.0%)
45 y/oHK$17,268 (+10.0%)
50 y/oHK$20,230 (+10.0%)
55 y/oHK$22,873 (+10.0%)
60 y/oHK$28,185 (+10.0%)
65 y/oHK$36,279 (+10.0%)
70 y/oHK$46,261 (+10.0%)
75 y/oHK$49,090 (+10.0%)
80 y/oHK$49,090 (+10.0%)
85 y/oHK$49,090 (+10.0%)
90 y/oHK$49,090 (+10.0%)
95 y/oHK$49,090 (+10.0%)
99 y/oHK$49,090 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$9,596 (+5.0%)
5 y/oHK$6,794 (+5.0%)
10 y/oHK$5,870 (+5.0%)
15 y/oHK$6,102 (+5.0%)
20 y/oHK$7,763 (+5.0%)
25 y/oHK$9,445 (+2.5%)
30 y/oHK$11,276
35 y/oHK$13,136 (+0.5%)
40 y/oHK$15,576 (+1.0%)
45 y/oHK$17,398 (+0.8%)
50 y/oHK$20,331 (+0.5%)
55 y/oHK$23,044 (+0.7%)
60 y/oHK$28,467 (+1.0%)
65 y/oHK$37,367 (+3.0%)
70 y/oHK$48,574 (+5.0%)
75 y/oHK$51,545 (+5.0%)
80 y/oHK$51,545 (+5.0%)
85 y/oHK$51,545 (+5.0%)
90 y/oHK$51,545 (+5.0%)
95 y/oHK$51,545 (+5.0%)
99 y/oHK$51,545 (+5.0%)
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+4.58%
5 y/o+4.58%
10 y/o+4.58%
15 y/o+4.58%
20 y/o+4.58%
25 y/o+4.21%
30 y/o+3.82%
35 y/o+3.90%
40 y/o+3.98%
45 y/o+3.94%
50 y/o+3.90%
55 y/o+3.94%
60 y/o+3.97%
65 y/o+4.28%
70 y/o+4.58%
75 y/o+4.58%
80 y/o+4.58%
85 y/o+4.58%
90 y/o+4.58%
95 y/o+4.58%
99 y/o+4.58%
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 | F00037-07-000-01 2019-08-30 | F00037-07-000-02 2021-04-01 | F00037-07-000-02 2022-11-01 | F00037-07-000-02 2023-11-23 | F00037-07-000-03 2024-07-22 | F00037-07-000-03 2024-11-23 | F00037-07-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | US$1,164 | US$1,164 | US$1,257 (+8.0%) | US$1,357 (+8.0%) | US$1,357 | US$1,493 (+10.0%) | US$1,568 (+5.0%) | +4.58% |
| 5 | US$683 | US$683 | US$738 (+8.1%) | US$798 (+8.1%) | US$798 | US$877 (+9.9%) | US$921 (+5.0%) | +4.60% |
| 10 | US$614 | US$614 | US$664 (+8.1%) | US$717 (+8.0%) | US$717 | US$789 (+10.0%) | US$829 (+5.1%) | +4.62% |
| 15 | US$629 | US$629 | US$679 (+7.9%) | US$733 (+8.0%) | US$733 | US$807 (+10.1%) | US$846 (+4.8%) | +4.56% |
| 20 | US$719 | US$719 | US$777 (+8.1%) | US$839 (+8.0%) | US$839 | US$923 (+10.0%) | US$969 (+5.0%) | +4.59% |
| 25 | US$804 | US$804 | US$868 (+8.0%) | US$937 (+7.9%) | US$937 | US$1,031 (+10.0%) | US$1,056 (+2.4%) | +4.18% |
| 30 | US$920 | US$920 | US$994 (+8.0%) | US$1,074 (+8.0%) | US$1,074 | US$1,181 (+10.0%) | US$1,181 | +3.83% |
| 35 | US$1,019 | US$1,019 | US$1,101 (+8.0%) | US$1,189 (+8.0%) | US$1,189 | US$1,308 (+10.0%) | US$1,314 (+0.5%) | +3.90% |
| 40 | US$1,157 | US$1,157 | US$1,250 (+8.0%) | US$1,350 (+8.0%) | US$1,350 | US$1,485 (+10.0%) | US$1,500 (+1.0%) | +3.98% |
| 45 | US$1,413 | US$1,413 | US$1,526 (+8.0%) | US$1,649 (+8.1%) | US$1,649 | US$1,813 (+9.9%) | US$1,827 (+0.8%) | +3.94% |
| 50 | US$1,830 | US$1,830 | US$1,976 (+8.0%) | US$2,135 (+8.0%) | US$2,135 | US$2,348 (+10.0%) | US$2,360 (+0.5%) | +3.90% |
| 55 | US$2,299 | US$2,299 | US$2,483 (+8.0%) | US$2,682 (+8.0%) | US$2,682 | US$2,950 (+10.0%) | US$2,971 (+0.7%) | +3.93% |
| 60 | US$3,093 | US$3,093 | US$3,340 (+8.0%) | US$3,607 (+8.0%) | US$3,607 | US$3,969 (+10.0%) | US$4,008 (+1.0%) | +3.97% |
| 65 | US$4,071 | US$4,071 | US$4,396 (+8.0%) | US$4,749 (+8.0%) | US$4,749 | US$5,224 (+10.0%) | US$5,380 (+3.0%) | +4.28% |
| 70 | US$5,081 | US$5,081 | US$5,488 (+8.0%) | US$5,926 (+8.0%) | US$5,926 | US$6,519 (+10.0%) | US$6,845 (+5.0%) | +4.58% |
| 75 | US$5,356 | US$5,356 | US$5,785 (+8.0%) | US$6,248 (+8.0%) | US$6,248 | US$6,873 (+10.0%) | US$7,215 (+5.0%) | +4.58% |
| 80 | US$5,356 | US$5,356 | US$5,785 (+8.0%) | US$6,248 (+8.0%) | US$6,248 | US$6,873 (+10.0%) | US$7,215 (+5.0%) | +4.58% |
| 85 | US$5,356 | US$5,356 | US$5,785 (+8.0%) | US$6,248 (+8.0%) | US$6,248 | US$6,873 (+10.0%) | US$7,215 (+5.0%) | +4.58% |
| 90 | US$5,356 | US$5,356 | US$5,785 (+8.0%) | US$6,248 (+8.0%) | US$6,248 | US$6,873 (+10.0%) | US$7,215 (+5.0%) | +4.58% |
| 95 | US$5,356 | US$5,356 | US$5,785 (+8.0%) | US$6,248 (+8.0%) | US$6,248 | US$6,873 (+10.0%) | US$7,215 (+5.0%) | +4.58% |
| 99 | US$5,356 | US$5,356 | US$5,785 (+8.0%) | US$6,248 (+8.0%) | US$6,248 | US$6,873 (+10.0%) | US$7,215 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oUS$1,164
5 y/oUS$683
10 y/oUS$614
15 y/oUS$629
20 y/oUS$719
25 y/oUS$804
30 y/oUS$920
35 y/oUS$1,019
40 y/oUS$1,157
45 y/oUS$1,413
50 y/oUS$1,830
55 y/oUS$2,299
60 y/oUS$3,093
65 y/oUS$4,071
70 y/oUS$5,081
75 y/oUS$5,356
80 y/oUS$5,356
85 y/oUS$5,356
90 y/oUS$5,356
95 y/oUS$5,356
99 y/oUS$5,356
0.0%
All-ages avg
0 y/oUS$1,164
5 y/oUS$683
10 y/oUS$614
15 y/oUS$629
20 y/oUS$719
25 y/oUS$804
30 y/oUS$920
35 y/oUS$1,019
40 y/oUS$1,157
45 y/oUS$1,413
50 y/oUS$1,830
55 y/oUS$2,299
60 y/oUS$3,093
65 y/oUS$4,071
70 y/oUS$5,081
75 y/oUS$5,356
80 y/oUS$5,356
85 y/oUS$5,356
90 y/oUS$5,356
95 y/oUS$5,356
99 y/oUS$5,356
+8.0%
All-ages avg
0 y/oUS$1,257 (+8.0%)
5 y/oUS$738 (+8.1%)
10 y/oUS$664 (+8.1%)
15 y/oUS$679 (+7.9%)
20 y/oUS$777 (+8.1%)
25 y/oUS$868 (+8.0%)
30 y/oUS$994 (+8.0%)
35 y/oUS$1,101 (+8.0%)
40 y/oUS$1,250 (+8.0%)
45 y/oUS$1,526 (+8.0%)
50 y/oUS$1,976 (+8.0%)
55 y/oUS$2,483 (+8.0%)
60 y/oUS$3,340 (+8.0%)
65 y/oUS$4,396 (+8.0%)
70 y/oUS$5,488 (+8.0%)
75 y/oUS$5,785 (+8.0%)
80 y/oUS$5,785 (+8.0%)
85 y/oUS$5,785 (+8.0%)
90 y/oUS$5,785 (+8.0%)
95 y/oUS$5,785 (+8.0%)
99 y/oUS$5,785 (+8.0%)
+8.0%
All-ages avg
0 y/oUS$1,357 (+8.0%)
5 y/oUS$798 (+8.1%)
10 y/oUS$717 (+8.0%)
15 y/oUS$733 (+8.0%)
20 y/oUS$839 (+8.0%)
25 y/oUS$937 (+7.9%)
30 y/oUS$1,074 (+8.0%)
35 y/oUS$1,189 (+8.0%)
40 y/oUS$1,350 (+8.0%)
45 y/oUS$1,649 (+8.1%)
50 y/oUS$2,135 (+8.0%)
55 y/oUS$2,682 (+8.0%)
60 y/oUS$3,607 (+8.0%)
65 y/oUS$4,749 (+8.0%)
70 y/oUS$5,926 (+8.0%)
75 y/oUS$6,248 (+8.0%)
80 y/oUS$6,248 (+8.0%)
85 y/oUS$6,248 (+8.0%)
90 y/oUS$6,248 (+8.0%)
95 y/oUS$6,248 (+8.0%)
99 y/oUS$6,248 (+8.0%)
0.0%
All-ages avg
0 y/oUS$1,357
5 y/oUS$798
10 y/oUS$717
15 y/oUS$733
20 y/oUS$839
25 y/oUS$937
30 y/oUS$1,074
35 y/oUS$1,189
40 y/oUS$1,350
45 y/oUS$1,649
50 y/oUS$2,135
55 y/oUS$2,682
60 y/oUS$3,607
65 y/oUS$4,749
70 y/oUS$5,926
75 y/oUS$6,248
80 y/oUS$6,248
85 y/oUS$6,248
90 y/oUS$6,248
95 y/oUS$6,248
99 y/oUS$6,248
+10.0%
All-ages avg
0 y/oUS$1,493 (+10.0%)
5 y/oUS$877 (+9.9%)
10 y/oUS$789 (+10.0%)
15 y/oUS$807 (+10.1%)
20 y/oUS$923 (+10.0%)
25 y/oUS$1,031 (+10.0%)
30 y/oUS$1,181 (+10.0%)
35 y/oUS$1,308 (+10.0%)
40 y/oUS$1,485 (+10.0%)
45 y/oUS$1,813 (+9.9%)
50 y/oUS$2,348 (+10.0%)
55 y/oUS$2,950 (+10.0%)
60 y/oUS$3,969 (+10.0%)
65 y/oUS$5,224 (+10.0%)
70 y/oUS$6,519 (+10.0%)
75 y/oUS$6,873 (+10.0%)
80 y/oUS$6,873 (+10.0%)
85 y/oUS$6,873 (+10.0%)
90 y/oUS$6,873 (+10.0%)
95 y/oUS$6,873 (+10.0%)
99 y/oUS$6,873 (+10.0%)
+3.3%
All-ages avg
0 y/oUS$1,568 (+5.0%)
5 y/oUS$921 (+5.0%)
10 y/oUS$829 (+5.1%)
15 y/oUS$846 (+4.8%)
20 y/oUS$969 (+5.0%)
25 y/oUS$1,056 (+2.4%)
30 y/oUS$1,181
35 y/oUS$1,314 (+0.5%)
40 y/oUS$1,500 (+1.0%)
45 y/oUS$1,827 (+0.8%)
50 y/oUS$2,360 (+0.5%)
55 y/oUS$2,971 (+0.7%)
60 y/oUS$4,008 (+1.0%)
65 y/oUS$5,380 (+3.0%)
70 y/oUS$6,845 (+5.0%)
75 y/oUS$7,215 (+5.0%)
80 y/oUS$7,215 (+5.0%)
85 y/oUS$7,215 (+5.0%)
90 y/oUS$7,215 (+5.0%)
95 y/oUS$7,215 (+5.0%)
99 y/oUS$7,215 (+5.0%)
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+4.58%
5 y/o+4.60%
10 y/o+4.62%
15 y/o+4.56%
20 y/o+4.59%
25 y/o+4.18%
30 y/o+3.83%
35 y/o+3.90%
40 y/o+3.98%
45 y/o+3.94%
50 y/o+3.90%
55 y/o+3.93%
60 y/o+3.97%
65 y/o+4.28%
70 y/o+4.58%
75 y/o+4.58%
80 y/o+4.58%
85 y/o+4.58%
90 y/o+4.58%
95 y/o+4.58%
99 y/o+4.58%
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 | F00037-07-000-01 2019-08-30 | F00037-07-000-02 2021-04-01 | F00037-07-000-02 2022-11-01 | F00037-07-000-02 2023-11-23 | F00037-07-000-03 2024-07-22 | F00037-07-000-03 2024-11-23 | F00037-07-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | US$919 | US$919 | US$993 (+8.1%) | US$1,073 (+8.1%) | US$1,073 | US$1,180 (+10.0%) | US$1,238 (+4.9%) | +4.58% |
| 5 | US$651 | US$651 | US$702 (+7.8%) | US$760 (+8.3%) | US$760 | US$835 (+9.9%) | US$876 (+4.9%) | +4.56% |
| 10 | US$562 | US$562 | US$607 (+8.0%) | US$656 (+8.1%) | US$656 | US$721 (+9.9%) | US$757 (+5.0%) | +4.58% |
| 15 | US$585 | US$585 | US$631 (+7.9%) | US$682 (+8.1%) | US$682 | US$750 (+10.0%) | US$787 (+4.9%) | +4.56% |
| 20 | US$744 | US$744 | US$802 (+7.8%) | US$867 (+8.1%) | US$867 | US$954 (+10.0%) | US$1,001 (+4.9%) | +4.56% |
| 25 | US$926 | US$926 | US$1,001 (+8.1%) | US$1,081 (+8.0%) | US$1,081 | US$1,189 (+10.0%) | US$1,219 (+2.5%) | +4.22% |
| 30 | US$1,135 | US$1,135 | US$1,225 (+7.9%) | US$1,323 (+8.0%) | US$1,323 | US$1,455 (+10.0%) | US$1,455 | +3.81% |
| 35 | US$1,314 | US$1,314 | US$1,420 (+8.1%) | US$1,533 (+8.0%) | US$1,533 | US$1,687 (+10.0%) | US$1,695 (+0.5%) | +3.90% |
| 40 | US$1,551 | US$1,551 | US$1,675 (+8.0%) | US$1,808 (+7.9%) | US$1,808 | US$1,989 (+10.0%) | US$2,010 (+1.1%) | +3.98% |
| 45 | US$1,737 | US$1,737 | US$1,875 (+7.9%) | US$2,025 (+8.0%) | US$2,025 | US$2,229 (+10.1%) | US$2,245 (+0.7%) | +3.93% |
| 50 | US$2,035 | US$2,035 | US$2,198 (+8.0%) | US$2,373 (+8.0%) | US$2,373 | US$2,611 (+10.0%) | US$2,624 (+0.5%) | +3.90% |
| 55 | US$2,300 | US$2,300 | US$2,485 (+8.0%) | US$2,683 (+8.0%) | US$2,683 | US$2,951 (+10.0%) | US$2,974 (+0.8%) | +3.94% |
| 60 | US$2,835 | US$2,835 | US$3,061 (+8.0%) | US$3,306 (+8.0%) | US$3,306 | US$3,637 (+10.0%) | US$3,673 (+1.0%) | +3.97% |
| 65 | US$3,649 | US$3,649 | US$3,940 (+8.0%) | US$4,256 (+8.0%) | US$4,256 | US$4,681 (+10.0%) | US$4,821 (+3.0%) | +4.28% |
| 70 | US$4,652 | US$4,652 | US$5,025 (+8.0%) | US$5,426 (+8.0%) | US$5,426 | US$5,969 (+10.0%) | US$6,268 (+5.0%) | +4.59% |
| 75 | US$4,937 | US$4,937 | US$5,332 (+8.0%) | US$5,758 (+8.0%) | US$5,758 | US$6,335 (+10.0%) | US$6,651 (+5.0%) | +4.58% |
| 80 | US$4,937 | US$4,937 | US$5,332 (+8.0%) | US$5,758 (+8.0%) | US$5,758 | US$6,335 (+10.0%) | US$6,651 (+5.0%) | +4.58% |
| 85 | US$4,937 | US$4,937 | US$5,332 (+8.0%) | US$5,758 (+8.0%) | US$5,758 | US$6,335 (+10.0%) | US$6,651 (+5.0%) | +4.58% |
| 90 | US$4,937 | US$4,937 | US$5,332 (+8.0%) | US$5,758 (+8.0%) | US$5,758 | US$6,335 (+10.0%) | US$6,651 (+5.0%) | +4.58% |
| 95 | US$4,937 | US$4,937 | US$5,332 (+8.0%) | US$5,758 (+8.0%) | US$5,758 | US$6,335 (+10.0%) | US$6,651 (+5.0%) | +4.58% |
| 99 | US$4,937 | US$4,937 | US$5,332 (+8.0%) | US$5,758 (+8.0%) | US$5,758 | US$6,335 (+10.0%) | US$6,651 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oUS$919
5 y/oUS$651
10 y/oUS$562
15 y/oUS$585
20 y/oUS$744
25 y/oUS$926
30 y/oUS$1,135
35 y/oUS$1,314
40 y/oUS$1,551
45 y/oUS$1,737
50 y/oUS$2,035
55 y/oUS$2,300
60 y/oUS$2,835
65 y/oUS$3,649
70 y/oUS$4,652
75 y/oUS$4,937
80 y/oUS$4,937
85 y/oUS$4,937
90 y/oUS$4,937
95 y/oUS$4,937
99 y/oUS$4,937
0.0%
All-ages avg
0 y/oUS$919
5 y/oUS$651
10 y/oUS$562
15 y/oUS$585
20 y/oUS$744
25 y/oUS$926
30 y/oUS$1,135
35 y/oUS$1,314
40 y/oUS$1,551
45 y/oUS$1,737
50 y/oUS$2,035
55 y/oUS$2,300
60 y/oUS$2,835
65 y/oUS$3,649
70 y/oUS$4,652
75 y/oUS$4,937
80 y/oUS$4,937
85 y/oUS$4,937
90 y/oUS$4,937
95 y/oUS$4,937
99 y/oUS$4,937
+8.0%
All-ages avg
0 y/oUS$993 (+8.1%)
5 y/oUS$702 (+7.8%)
10 y/oUS$607 (+8.0%)
15 y/oUS$631 (+7.9%)
20 y/oUS$802 (+7.8%)
25 y/oUS$1,001 (+8.1%)
30 y/oUS$1,225 (+7.9%)
35 y/oUS$1,420 (+8.1%)
40 y/oUS$1,675 (+8.0%)
45 y/oUS$1,875 (+7.9%)
50 y/oUS$2,198 (+8.0%)
55 y/oUS$2,485 (+8.0%)
60 y/oUS$3,061 (+8.0%)
65 y/oUS$3,940 (+8.0%)
70 y/oUS$5,025 (+8.0%)
75 y/oUS$5,332 (+8.0%)
80 y/oUS$5,332 (+8.0%)
85 y/oUS$5,332 (+8.0%)
90 y/oUS$5,332 (+8.0%)
95 y/oUS$5,332 (+8.0%)
99 y/oUS$5,332 (+8.0%)
+8.0%
All-ages avg
0 y/oUS$1,073 (+8.1%)
5 y/oUS$760 (+8.3%)
10 y/oUS$656 (+8.1%)
15 y/oUS$682 (+8.1%)
20 y/oUS$867 (+8.1%)
25 y/oUS$1,081 (+8.0%)
30 y/oUS$1,323 (+8.0%)
35 y/oUS$1,533 (+8.0%)
40 y/oUS$1,808 (+7.9%)
45 y/oUS$2,025 (+8.0%)
50 y/oUS$2,373 (+8.0%)
55 y/oUS$2,683 (+8.0%)
60 y/oUS$3,306 (+8.0%)
65 y/oUS$4,256 (+8.0%)
70 y/oUS$5,426 (+8.0%)
75 y/oUS$5,758 (+8.0%)
80 y/oUS$5,758 (+8.0%)
85 y/oUS$5,758 (+8.0%)
90 y/oUS$5,758 (+8.0%)
95 y/oUS$5,758 (+8.0%)
99 y/oUS$5,758 (+8.0%)
0.0%
All-ages avg
0 y/oUS$1,073
5 y/oUS$760
10 y/oUS$656
15 y/oUS$682
20 y/oUS$867
25 y/oUS$1,081
30 y/oUS$1,323
35 y/oUS$1,533
40 y/oUS$1,808
45 y/oUS$2,025
50 y/oUS$2,373
55 y/oUS$2,683
60 y/oUS$3,306
65 y/oUS$4,256
70 y/oUS$5,426
75 y/oUS$5,758
80 y/oUS$5,758
85 y/oUS$5,758
90 y/oUS$5,758
95 y/oUS$5,758
99 y/oUS$5,758
+10.0%
All-ages avg
0 y/oUS$1,180 (+10.0%)
5 y/oUS$835 (+9.9%)
10 y/oUS$721 (+9.9%)
15 y/oUS$750 (+10.0%)
20 y/oUS$954 (+10.0%)
25 y/oUS$1,189 (+10.0%)
30 y/oUS$1,455 (+10.0%)
35 y/oUS$1,687 (+10.0%)
40 y/oUS$1,989 (+10.0%)
45 y/oUS$2,229 (+10.1%)
50 y/oUS$2,611 (+10.0%)
55 y/oUS$2,951 (+10.0%)
60 y/oUS$3,637 (+10.0%)
65 y/oUS$4,681 (+10.0%)
70 y/oUS$5,969 (+10.0%)
75 y/oUS$6,335 (+10.0%)
80 y/oUS$6,335 (+10.0%)
85 y/oUS$6,335 (+10.0%)
90 y/oUS$6,335 (+10.0%)
95 y/oUS$6,335 (+10.0%)
99 y/oUS$6,335 (+10.0%)
+3.3%
All-ages avg
0 y/oUS$1,238 (+4.9%)
5 y/oUS$876 (+4.9%)
10 y/oUS$757 (+5.0%)
15 y/oUS$787 (+4.9%)
20 y/oUS$1,001 (+4.9%)
25 y/oUS$1,219 (+2.5%)
30 y/oUS$1,455
35 y/oUS$1,695 (+0.5%)
40 y/oUS$2,010 (+1.1%)
45 y/oUS$2,245 (+0.7%)
50 y/oUS$2,624 (+0.5%)
55 y/oUS$2,974 (+0.8%)
60 y/oUS$3,673 (+1.0%)
65 y/oUS$4,821 (+3.0%)
70 y/oUS$6,268 (+5.0%)
75 y/oUS$6,651 (+5.0%)
80 y/oUS$6,651 (+5.0%)
85 y/oUS$6,651 (+5.0%)
90 y/oUS$6,651 (+5.0%)
95 y/oUS$6,651 (+5.0%)
99 y/oUS$6,651 (+5.0%)
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+4.58%
5 y/o+4.56%
10 y/o+4.58%
15 y/o+4.56%
20 y/o+4.56%
25 y/o+4.22%
30 y/o+3.81%
35 y/o+3.90%
40 y/o+3.98%
45 y/o+3.93%
50 y/o+3.90%
55 y/o+3.94%
60 y/o+3.97%
65 y/o+4.28%
70 y/o+4.59%
75 y/o+4.58%
80 y/o+4.58%
85 y/o+4.58%
90 y/o+4.58%
95 y/o+4.58%
99 y/o+4.58%
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