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''TopCare'' Medical Insurance Plan - Benefit Level 4 with SMM (HKD)
「摯康保」醫療保障計劃 - 保障級別 4+超額醫療保障 (港元)
Chow Tai Fook Life Insurance Co Ltd · F00037-04-000 · 7 versions · Flexi plan · Avg. annual increase +4.33%
HKD
Male
| Age | F00037-04-000-01 2019-08-30 | F00037-04-000-02 2021-04-01 | F00037-04-000-02 2022-11-01 | F00037-04-000-02 2023-11-23 | F00037-04-000-03 2024-07-22 | F00037-04-000-03 2024-11-23 | F00037-04-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$15,200 | HK$15,200 | HK$16,415 (+8.0%) | HK$17,729 (+8.0%) | HK$17,729 | HK$19,501 (+10.0%) | HK$20,476 (+5.0%) | +4.58% |
| 5 | HK$9,467 | HK$9,467 | HK$10,224 (+8.0%) | HK$11,042 (+8.0%) | HK$11,042 | HK$12,146 (+10.0%) | HK$12,754 (+5.0%) | +4.58% |
| 10 | HK$8,510 | HK$8,510 | HK$9,190 (+8.0%) | HK$9,926 (+8.0%) | HK$9,926 | HK$10,919 (+10.0%) | HK$11,465 (+5.0%) | +4.58% |
| 15 | HK$8,704 | HK$8,704 | HK$9,400 (+8.0%) | HK$10,152 (+8.0%) | HK$10,152 | HK$11,168 (+10.0%) | HK$11,726 (+5.0%) | +4.58% |
| 20 | HK$10,401 | HK$10,401 | HK$11,233 (+8.0%) | HK$12,132 (+8.0%) | HK$12,132 | HK$13,345 (+10.0%) | HK$14,013 (+5.0%) | +4.58% |
| 25 | HK$11,352 | HK$11,352 | HK$12,261 (+8.0%) | HK$13,242 (+8.0%) | HK$13,242 | HK$14,565 (+10.0%) | HK$14,930 (+2.5%) | +4.21% |
| 30 | HK$13,026 | HK$13,026 | HK$14,068 (+8.0%) | HK$15,193 (+8.0%) | HK$15,193 | HK$16,712 (+10.0%) | HK$16,712 | +3.82% |
| 35 | HK$14,287 | HK$14,287 | HK$15,430 (+8.0%) | HK$16,664 (+8.0%) | HK$16,664 | HK$18,331 (+10.0%) | HK$18,423 (+0.5%) | +3.90% |
| 40 | HK$16,593 | HK$16,593 | HK$17,920 (+8.0%) | HK$19,354 (+8.0%) | HK$19,354 | HK$21,289 (+10.0%) | HK$21,502 (+1.0%) | +3.97% |
| 45 | HK$20,688 | HK$20,688 | HK$22,343 (+8.0%) | HK$24,130 (+8.0%) | HK$24,130 | HK$26,543 (+10.0%) | HK$26,742 (+0.7%) | +3.94% |
| 50 | HK$26,889 | HK$26,889 | HK$29,040 (+8.0%) | HK$31,364 (+8.0%) | HK$31,364 | HK$34,501 (+10.0%) | HK$34,674 (+0.5%) | +3.90% |
| 55 | HK$33,289 | HK$33,289 | HK$35,952 (+8.0%) | HK$38,829 (+8.0%) | HK$38,829 | HK$42,712 (+10.0%) | HK$43,032 (+0.7%) | +3.94% |
| 60 | HK$44,707 | HK$44,707 | HK$48,283 (+8.0%) | HK$52,146 (+8.0%) | HK$52,146 | HK$57,361 (+10.0%) | HK$57,935 (+1.0%) | +3.97% |
| 65 | HK$61,825 | HK$61,825 | HK$66,771 (+8.0%) | HK$72,113 (+8.0%) | HK$72,113 | HK$79,325 (+10.0%) | HK$81,705 (+3.0%) | +4.28% |
| 70 | HK$80,512 | HK$80,512 | HK$86,952 (+8.0%) | HK$93,908 (+8.0%) | HK$93,908 | HK$103,299 (+10.0%) | HK$108,464 (+5.0%) | +4.58% |
| 75 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.58% |
| 80 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.58% |
| 85 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.58% |
| 90 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.58% |
| 95 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.58% |
| 99 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$15,200
5 y/oHK$9,467
10 y/oHK$8,510
15 y/oHK$8,704
20 y/oHK$10,401
25 y/oHK$11,352
30 y/oHK$13,026
35 y/oHK$14,287
40 y/oHK$16,593
45 y/oHK$20,688
50 y/oHK$26,889
55 y/oHK$33,289
60 y/oHK$44,707
65 y/oHK$61,825
70 y/oHK$80,512
75 y/oHK$85,045
80 y/oHK$85,045
85 y/oHK$85,045
90 y/oHK$85,045
95 y/oHK$85,045
99 y/oHK$85,045
0.0%
All-ages avg
0 y/oHK$15,200
5 y/oHK$9,467
10 y/oHK$8,510
15 y/oHK$8,704
20 y/oHK$10,401
25 y/oHK$11,352
30 y/oHK$13,026
35 y/oHK$14,287
40 y/oHK$16,593
45 y/oHK$20,688
50 y/oHK$26,889
55 y/oHK$33,289
60 y/oHK$44,707
65 y/oHK$61,825
70 y/oHK$80,512
75 y/oHK$85,045
80 y/oHK$85,045
85 y/oHK$85,045
90 y/oHK$85,045
95 y/oHK$85,045
99 y/oHK$85,045
+8.0%
All-ages avg
0 y/oHK$16,415 (+8.0%)
5 y/oHK$10,224 (+8.0%)
10 y/oHK$9,190 (+8.0%)
15 y/oHK$9,400 (+8.0%)
20 y/oHK$11,233 (+8.0%)
25 y/oHK$12,261 (+8.0%)
30 y/oHK$14,068 (+8.0%)
35 y/oHK$15,430 (+8.0%)
40 y/oHK$17,920 (+8.0%)
45 y/oHK$22,343 (+8.0%)
50 y/oHK$29,040 (+8.0%)
55 y/oHK$35,952 (+8.0%)
60 y/oHK$48,283 (+8.0%)
65 y/oHK$66,771 (+8.0%)
70 y/oHK$86,952 (+8.0%)
75 y/oHK$91,849 (+8.0%)
80 y/oHK$91,849 (+8.0%)
85 y/oHK$91,849 (+8.0%)
90 y/oHK$91,849 (+8.0%)
95 y/oHK$91,849 (+8.0%)
99 y/oHK$91,849 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$17,729 (+8.0%)
5 y/oHK$11,042 (+8.0%)
10 y/oHK$9,926 (+8.0%)
15 y/oHK$10,152 (+8.0%)
20 y/oHK$12,132 (+8.0%)
25 y/oHK$13,242 (+8.0%)
30 y/oHK$15,193 (+8.0%)
35 y/oHK$16,664 (+8.0%)
40 y/oHK$19,354 (+8.0%)
45 y/oHK$24,130 (+8.0%)
50 y/oHK$31,364 (+8.0%)
55 y/oHK$38,829 (+8.0%)
60 y/oHK$52,146 (+8.0%)
65 y/oHK$72,113 (+8.0%)
70 y/oHK$93,908 (+8.0%)
75 y/oHK$99,196 (+8.0%)
80 y/oHK$99,196 (+8.0%)
85 y/oHK$99,196 (+8.0%)
90 y/oHK$99,196 (+8.0%)
95 y/oHK$99,196 (+8.0%)
99 y/oHK$99,196 (+8.0%)
0.0%
All-ages avg
0 y/oHK$17,729
5 y/oHK$11,042
10 y/oHK$9,926
15 y/oHK$10,152
20 y/oHK$12,132
25 y/oHK$13,242
30 y/oHK$15,193
35 y/oHK$16,664
40 y/oHK$19,354
45 y/oHK$24,130
50 y/oHK$31,364
55 y/oHK$38,829
60 y/oHK$52,146
65 y/oHK$72,113
70 y/oHK$93,908
75 y/oHK$99,196
80 y/oHK$99,196
85 y/oHK$99,196
90 y/oHK$99,196
95 y/oHK$99,196
99 y/oHK$99,196
+10.0%
All-ages avg
0 y/oHK$19,501 (+10.0%)
5 y/oHK$12,146 (+10.0%)
10 y/oHK$10,919 (+10.0%)
15 y/oHK$11,168 (+10.0%)
20 y/oHK$13,345 (+10.0%)
25 y/oHK$14,565 (+10.0%)
30 y/oHK$16,712 (+10.0%)
35 y/oHK$18,331 (+10.0%)
40 y/oHK$21,289 (+10.0%)
45 y/oHK$26,543 (+10.0%)
50 y/oHK$34,501 (+10.0%)
55 y/oHK$42,712 (+10.0%)
60 y/oHK$57,361 (+10.0%)
65 y/oHK$79,325 (+10.0%)
70 y/oHK$103,299 (+10.0%)
75 y/oHK$109,117 (+10.0%)
80 y/oHK$109,117 (+10.0%)
85 y/oHK$109,117 (+10.0%)
90 y/oHK$109,117 (+10.0%)
95 y/oHK$109,117 (+10.0%)
99 y/oHK$109,117 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$20,476 (+5.0%)
5 y/oHK$12,754 (+5.0%)
10 y/oHK$11,465 (+5.0%)
15 y/oHK$11,726 (+5.0%)
20 y/oHK$14,013 (+5.0%)
25 y/oHK$14,930 (+2.5%)
30 y/oHK$16,712
35 y/oHK$18,423 (+0.5%)
40 y/oHK$21,502 (+1.0%)
45 y/oHK$26,742 (+0.7%)
50 y/oHK$34,674 (+0.5%)
55 y/oHK$43,032 (+0.7%)
60 y/oHK$57,935 (+1.0%)
65 y/oHK$81,705 (+3.0%)
70 y/oHK$108,464 (+5.0%)
75 y/oHK$114,573 (+5.0%)
80 y/oHK$114,573 (+5.0%)
85 y/oHK$114,573 (+5.0%)
90 y/oHK$114,573 (+5.0%)
95 y/oHK$114,573 (+5.0%)
99 y/oHK$114,573 (+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+3.97%
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 | F00037-04-000-01 2019-08-30 | F00037-04-000-02 2021-04-01 | F00037-04-000-02 2022-11-01 | F00037-04-000-02 2023-11-23 | F00037-04-000-03 2024-07-22 | F00037-04-000-03 2024-11-23 | F00037-04-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$11,101 | HK$11,101 | HK$11,989 (+8.0%) | HK$12,949 (+8.0%) | HK$12,949 | HK$14,244 (+10.0%) | HK$14,956 (+5.0%) | +4.58% |
| 5 | HK$8,940 | HK$8,940 | HK$9,656 (+8.0%) | HK$10,429 (+8.0%) | HK$10,429 | HK$11,471 (+10.0%) | HK$12,045 (+5.0%) | +4.58% |
| 10 | HK$7,729 | HK$7,729 | HK$8,346 (+8.0%) | HK$9,014 (+8.0%) | HK$9,014 | HK$9,915 (+10.0%) | HK$10,411 (+5.0%) | +4.58% |
| 15 | HK$8,032 | HK$8,032 | HK$8,675 (+8.0%) | HK$9,369 (+8.0%) | HK$9,369 | HK$10,306 (+10.0%) | HK$10,821 (+5.0%) | +4.58% |
| 20 | HK$11,107 | HK$11,107 | HK$11,995 (+8.0%) | HK$12,955 (+8.0%) | HK$12,955 | HK$14,250 (+10.0%) | HK$14,963 (+5.0%) | +4.58% |
| 25 | HK$12,982 | HK$12,982 | HK$14,020 (+8.0%) | HK$15,142 (+8.0%) | HK$15,142 | HK$16,656 (+10.0%) | HK$17,073 (+2.5%) | +4.21% |
| 30 | HK$15,762 | HK$15,762 | HK$17,023 (+8.0%) | HK$18,385 (+8.0%) | HK$18,385 | HK$20,223 (+10.0%) | HK$20,223 | +3.82% |
| 35 | HK$18,342 | HK$18,342 | HK$19,810 (+8.0%) | HK$21,394 (+8.0%) | HK$21,394 | HK$23,533 (+10.0%) | HK$23,651 (+0.5%) | +3.90% |
| 40 | HK$21,648 | HK$21,648 | HK$23,380 (+8.0%) | HK$25,250 (+8.0%) | HK$25,250 | HK$27,775 (+10.0%) | HK$28,052 (+1.0%) | +3.97% |
| 45 | HK$25,261 | HK$25,261 | HK$27,282 (+8.0%) | HK$29,464 (+8.0%) | HK$29,464 | HK$32,411 (+10.0%) | HK$32,654 (+0.7%) | +3.94% |
| 50 | HK$30,279 | HK$30,279 | HK$32,701 (+8.0%) | HK$35,318 (+8.0%) | HK$35,318 | HK$38,850 (+10.0%) | HK$39,044 (+0.5%) | +3.90% |
| 55 | HK$35,329 | HK$35,329 | HK$38,155 (+8.0%) | HK$41,207 (+8.0%) | HK$41,207 | HK$45,327 (+10.0%) | HK$45,668 (+0.8%) | +3.94% |
| 60 | HK$42,781 | HK$42,781 | HK$46,204 (+8.0%) | HK$49,900 (+8.0%) | HK$49,900 | HK$54,890 (+10.0%) | HK$55,439 (+1.0%) | +3.97% |
| 65 | HK$58,071 | HK$58,071 | HK$62,717 (+8.0%) | HK$67,735 (+8.0%) | HK$67,735 | HK$74,508 (+10.0%) | HK$76,744 (+3.0%) | +4.28% |
| 70 | HK$75,761 | HK$75,761 | HK$81,821 (+8.0%) | HK$88,367 (+8.0%) | HK$88,367 | HK$97,204 (+10.0%) | HK$102,064 (+5.0%) | +4.58% |
| 75 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.58% |
| 80 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.58% |
| 85 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.58% |
| 90 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.58% |
| 95 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.58% |
| 99 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$11,101
5 y/oHK$8,940
10 y/oHK$7,729
15 y/oHK$8,032
20 y/oHK$11,107
25 y/oHK$12,982
30 y/oHK$15,762
35 y/oHK$18,342
40 y/oHK$21,648
45 y/oHK$25,261
50 y/oHK$30,279
55 y/oHK$35,329
60 y/oHK$42,781
65 y/oHK$58,071
70 y/oHK$75,761
75 y/oHK$80,643
80 y/oHK$80,643
85 y/oHK$80,643
90 y/oHK$80,643
95 y/oHK$80,643
99 y/oHK$80,643
0.0%
All-ages avg
0 y/oHK$11,101
5 y/oHK$8,940
10 y/oHK$7,729
15 y/oHK$8,032
20 y/oHK$11,107
25 y/oHK$12,982
30 y/oHK$15,762
35 y/oHK$18,342
40 y/oHK$21,648
45 y/oHK$25,261
50 y/oHK$30,279
55 y/oHK$35,329
60 y/oHK$42,781
65 y/oHK$58,071
70 y/oHK$75,761
75 y/oHK$80,643
80 y/oHK$80,643
85 y/oHK$80,643
90 y/oHK$80,643
95 y/oHK$80,643
99 y/oHK$80,643
+8.0%
All-ages avg
0 y/oHK$11,989 (+8.0%)
5 y/oHK$9,656 (+8.0%)
10 y/oHK$8,346 (+8.0%)
15 y/oHK$8,675 (+8.0%)
20 y/oHK$11,995 (+8.0%)
25 y/oHK$14,020 (+8.0%)
30 y/oHK$17,023 (+8.0%)
35 y/oHK$19,810 (+8.0%)
40 y/oHK$23,380 (+8.0%)
45 y/oHK$27,282 (+8.0%)
50 y/oHK$32,701 (+8.0%)
55 y/oHK$38,155 (+8.0%)
60 y/oHK$46,204 (+8.0%)
65 y/oHK$62,717 (+8.0%)
70 y/oHK$81,821 (+8.0%)
75 y/oHK$87,094 (+8.0%)
80 y/oHK$87,094 (+8.0%)
85 y/oHK$87,094 (+8.0%)
90 y/oHK$87,094 (+8.0%)
95 y/oHK$87,094 (+8.0%)
99 y/oHK$87,094 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$12,949 (+8.0%)
5 y/oHK$10,429 (+8.0%)
10 y/oHK$9,014 (+8.0%)
15 y/oHK$9,369 (+8.0%)
20 y/oHK$12,955 (+8.0%)
25 y/oHK$15,142 (+8.0%)
30 y/oHK$18,385 (+8.0%)
35 y/oHK$21,394 (+8.0%)
40 y/oHK$25,250 (+8.0%)
45 y/oHK$29,464 (+8.0%)
50 y/oHK$35,318 (+8.0%)
55 y/oHK$41,207 (+8.0%)
60 y/oHK$49,900 (+8.0%)
65 y/oHK$67,735 (+8.0%)
70 y/oHK$88,367 (+8.0%)
75 y/oHK$94,062 (+8.0%)
80 y/oHK$94,062 (+8.0%)
85 y/oHK$94,062 (+8.0%)
90 y/oHK$94,062 (+8.0%)
95 y/oHK$94,062 (+8.0%)
99 y/oHK$94,062 (+8.0%)
0.0%
All-ages avg
0 y/oHK$12,949
5 y/oHK$10,429
10 y/oHK$9,014
15 y/oHK$9,369
20 y/oHK$12,955
25 y/oHK$15,142
30 y/oHK$18,385
35 y/oHK$21,394
40 y/oHK$25,250
45 y/oHK$29,464
50 y/oHK$35,318
55 y/oHK$41,207
60 y/oHK$49,900
65 y/oHK$67,735
70 y/oHK$88,367
75 y/oHK$94,062
80 y/oHK$94,062
85 y/oHK$94,062
90 y/oHK$94,062
95 y/oHK$94,062
99 y/oHK$94,062
+10.0%
All-ages avg
0 y/oHK$14,244 (+10.0%)
5 y/oHK$11,471 (+10.0%)
10 y/oHK$9,915 (+10.0%)
15 y/oHK$10,306 (+10.0%)
20 y/oHK$14,250 (+10.0%)
25 y/oHK$16,656 (+10.0%)
30 y/oHK$20,223 (+10.0%)
35 y/oHK$23,533 (+10.0%)
40 y/oHK$27,775 (+10.0%)
45 y/oHK$32,411 (+10.0%)
50 y/oHK$38,850 (+10.0%)
55 y/oHK$45,327 (+10.0%)
60 y/oHK$54,890 (+10.0%)
65 y/oHK$74,508 (+10.0%)
70 y/oHK$97,204 (+10.0%)
75 y/oHK$103,468 (+10.0%)
80 y/oHK$103,468 (+10.0%)
85 y/oHK$103,468 (+10.0%)
90 y/oHK$103,468 (+10.0%)
95 y/oHK$103,468 (+10.0%)
99 y/oHK$103,468 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$14,956 (+5.0%)
5 y/oHK$12,045 (+5.0%)
10 y/oHK$10,411 (+5.0%)
15 y/oHK$10,821 (+5.0%)
20 y/oHK$14,963 (+5.0%)
25 y/oHK$17,073 (+2.5%)
30 y/oHK$20,223
35 y/oHK$23,651 (+0.5%)
40 y/oHK$28,052 (+1.0%)
45 y/oHK$32,654 (+0.7%)
50 y/oHK$39,044 (+0.5%)
55 y/oHK$45,668 (+0.8%)
60 y/oHK$55,439 (+1.0%)
65 y/oHK$76,744 (+3.0%)
70 y/oHK$102,064 (+5.0%)
75 y/oHK$108,642 (+5.0%)
80 y/oHK$108,642 (+5.0%)
85 y/oHK$108,642 (+5.0%)
90 y/oHK$108,642 (+5.0%)
95 y/oHK$108,642 (+5.0%)
99 y/oHK$108,642 (+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+3.97%
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 | F00037-08-000-01 2019-08-30 | F00037-08-000-02 2021-04-01 | F00037-08-000-02 2022-11-01 | F00037-08-000-02 2023-11-23 | F00037-08-000-03 2024-07-22 | F00037-08-000-03 2024-11-23 | F00037-08-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | US$1,961 | US$1,961 | US$2,118 (+8.0%) | US$2,288 (+8.0%) | US$2,288 | US$2,517 (+10.0%) | US$2,642 (+5.0%) | +4.58% |
| 5 | US$1,221 | US$1,221 | US$1,319 (+8.0%) | US$1,425 (+8.0%) | US$1,425 | US$1,568 (+10.0%) | US$1,645 (+4.9%) | +4.58% |
| 10 | US$1,098 | US$1,098 | US$1,186 (+8.0%) | US$1,281 (+8.0%) | US$1,281 | US$1,408 (+9.9%) | US$1,480 (+5.1%) | +4.59% |
| 15 | US$1,123 | US$1,123 | US$1,213 (+8.0%) | US$1,310 (+8.0%) | US$1,310 | US$1,440 (+9.9%) | US$1,513 (+5.1%) | +4.58% |
| 20 | US$1,342 | US$1,342 | US$1,450 (+8.0%) | US$1,565 (+7.9%) | US$1,565 | US$1,721 (+10.0%) | US$1,808 (+5.1%) | +4.58% |
| 25 | US$1,464 | US$1,464 | US$1,582 (+8.1%) | US$1,708 (+8.0%) | US$1,708 | US$1,880 (+10.1%) | US$1,926 (+2.4%) | +4.21% |
| 30 | US$1,681 | US$1,681 | US$1,815 (+8.0%) | US$1,961 (+8.0%) | US$1,961 | US$2,156 (+9.9%) | US$2,156 | +3.81% |
| 35 | US$1,844 | US$1,844 | US$1,990 (+7.9%) | US$2,150 (+8.0%) | US$2,150 | US$2,365 (+10.0%) | US$2,377 (+0.5%) | +3.89% |
| 40 | US$2,140 | US$2,140 | US$2,312 (+8.0%) | US$2,498 (+8.0%) | US$2,498 | US$2,746 (+9.9%) | US$2,775 (+1.1%) | +3.98% |
| 45 | US$2,669 | US$2,669 | US$2,883 (+8.0%) | US$3,113 (+8.0%) | US$3,113 | US$3,425 (+10.0%) | US$3,450 (+0.7%) | +3.94% |
| 50 | US$3,469 | US$3,469 | US$3,748 (+8.0%) | US$4,046 (+8.0%) | US$4,046 | US$4,451 (+10.0%) | US$4,474 (+0.5%) | +3.90% |
| 55 | US$4,295 | US$4,295 | US$4,639 (+8.0%) | US$5,011 (+8.0%) | US$5,011 | US$5,511 (+10.0%) | US$5,552 (+0.7%) | +3.94% |
| 60 | US$5,769 | US$5,769 | US$6,230 (+8.0%) | US$6,729 (+8.0%) | US$6,729 | US$7,401 (+10.0%) | US$7,475 (+1.0%) | +3.97% |
| 65 | US$7,977 | US$7,977 | US$8,615 (+8.0%) | US$9,305 (+8.0%) | US$9,305 | US$10,236 (+10.0%) | US$10,543 (+3.0%) | +4.28% |
| 70 | US$10,388 | US$10,388 | US$11,220 (+8.0%) | US$12,117 (+8.0%) | US$12,117 | US$13,329 (+10.0%) | US$13,995 (+5.0%) | +4.58% |
| 75 | US$10,974 | US$10,974 | US$11,851 (+8.0%) | US$12,800 (+8.0%) | US$12,800 | US$14,080 (+10.0%) | US$14,783 (+5.0%) | +4.58% |
| 80 | US$10,974 | US$10,974 | US$11,851 (+8.0%) | US$12,800 (+8.0%) | US$12,800 | US$14,080 (+10.0%) | US$14,783 (+5.0%) | +4.58% |
| 85 | US$10,974 | US$10,974 | US$11,851 (+8.0%) | US$12,800 (+8.0%) | US$12,800 | US$14,080 (+10.0%) | US$14,783 (+5.0%) | +4.58% |
| 90 | US$10,974 | US$10,974 | US$11,851 (+8.0%) | US$12,800 (+8.0%) | US$12,800 | US$14,080 (+10.0%) | US$14,783 (+5.0%) | +4.58% |
| 95 | US$10,974 | US$10,974 | US$11,851 (+8.0%) | US$12,800 (+8.0%) | US$12,800 | US$14,080 (+10.0%) | US$14,783 (+5.0%) | +4.58% |
| 99 | US$10,974 | US$10,974 | US$11,851 (+8.0%) | US$12,800 (+8.0%) | US$12,800 | US$14,080 (+10.0%) | US$14,783 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oUS$1,961
5 y/oUS$1,221
10 y/oUS$1,098
15 y/oUS$1,123
20 y/oUS$1,342
25 y/oUS$1,464
30 y/oUS$1,681
35 y/oUS$1,844
40 y/oUS$2,140
45 y/oUS$2,669
50 y/oUS$3,469
55 y/oUS$4,295
60 y/oUS$5,769
65 y/oUS$7,977
70 y/oUS$10,388
75 y/oUS$10,974
80 y/oUS$10,974
85 y/oUS$10,974
90 y/oUS$10,974
95 y/oUS$10,974
99 y/oUS$10,974
0.0%
All-ages avg
0 y/oUS$1,961
5 y/oUS$1,221
10 y/oUS$1,098
15 y/oUS$1,123
20 y/oUS$1,342
25 y/oUS$1,464
30 y/oUS$1,681
35 y/oUS$1,844
40 y/oUS$2,140
45 y/oUS$2,669
50 y/oUS$3,469
55 y/oUS$4,295
60 y/oUS$5,769
65 y/oUS$7,977
70 y/oUS$10,388
75 y/oUS$10,974
80 y/oUS$10,974
85 y/oUS$10,974
90 y/oUS$10,974
95 y/oUS$10,974
99 y/oUS$10,974
+8.0%
All-ages avg
0 y/oUS$2,118 (+8.0%)
5 y/oUS$1,319 (+8.0%)
10 y/oUS$1,186 (+8.0%)
15 y/oUS$1,213 (+8.0%)
20 y/oUS$1,450 (+8.0%)
25 y/oUS$1,582 (+8.1%)
30 y/oUS$1,815 (+8.0%)
35 y/oUS$1,990 (+7.9%)
40 y/oUS$2,312 (+8.0%)
45 y/oUS$2,883 (+8.0%)
50 y/oUS$3,748 (+8.0%)
55 y/oUS$4,639 (+8.0%)
60 y/oUS$6,230 (+8.0%)
65 y/oUS$8,615 (+8.0%)
70 y/oUS$11,220 (+8.0%)
75 y/oUS$11,851 (+8.0%)
80 y/oUS$11,851 (+8.0%)
85 y/oUS$11,851 (+8.0%)
90 y/oUS$11,851 (+8.0%)
95 y/oUS$11,851 (+8.0%)
99 y/oUS$11,851 (+8.0%)
+8.0%
All-ages avg
0 y/oUS$2,288 (+8.0%)
5 y/oUS$1,425 (+8.0%)
10 y/oUS$1,281 (+8.0%)
15 y/oUS$1,310 (+8.0%)
20 y/oUS$1,565 (+7.9%)
25 y/oUS$1,708 (+8.0%)
30 y/oUS$1,961 (+8.0%)
35 y/oUS$2,150 (+8.0%)
40 y/oUS$2,498 (+8.0%)
45 y/oUS$3,113 (+8.0%)
50 y/oUS$4,046 (+8.0%)
55 y/oUS$5,011 (+8.0%)
60 y/oUS$6,729 (+8.0%)
65 y/oUS$9,305 (+8.0%)
70 y/oUS$12,117 (+8.0%)
75 y/oUS$12,800 (+8.0%)
80 y/oUS$12,800 (+8.0%)
85 y/oUS$12,800 (+8.0%)
90 y/oUS$12,800 (+8.0%)
95 y/oUS$12,800 (+8.0%)
99 y/oUS$12,800 (+8.0%)
0.0%
All-ages avg
0 y/oUS$2,288
5 y/oUS$1,425
10 y/oUS$1,281
15 y/oUS$1,310
20 y/oUS$1,565
25 y/oUS$1,708
30 y/oUS$1,961
35 y/oUS$2,150
40 y/oUS$2,498
45 y/oUS$3,113
50 y/oUS$4,046
55 y/oUS$5,011
60 y/oUS$6,729
65 y/oUS$9,305
70 y/oUS$12,117
75 y/oUS$12,800
80 y/oUS$12,800
85 y/oUS$12,800
90 y/oUS$12,800
95 y/oUS$12,800
99 y/oUS$12,800
+10.0%
All-ages avg
0 y/oUS$2,517 (+10.0%)
5 y/oUS$1,568 (+10.0%)
10 y/oUS$1,408 (+9.9%)
15 y/oUS$1,440 (+9.9%)
20 y/oUS$1,721 (+10.0%)
25 y/oUS$1,880 (+10.1%)
30 y/oUS$2,156 (+9.9%)
35 y/oUS$2,365 (+10.0%)
40 y/oUS$2,746 (+9.9%)
45 y/oUS$3,425 (+10.0%)
50 y/oUS$4,451 (+10.0%)
55 y/oUS$5,511 (+10.0%)
60 y/oUS$7,401 (+10.0%)
65 y/oUS$10,236 (+10.0%)
70 y/oUS$13,329 (+10.0%)
75 y/oUS$14,080 (+10.0%)
80 y/oUS$14,080 (+10.0%)
85 y/oUS$14,080 (+10.0%)
90 y/oUS$14,080 (+10.0%)
95 y/oUS$14,080 (+10.0%)
99 y/oUS$14,080 (+10.0%)
+3.3%
All-ages avg
0 y/oUS$2,642 (+5.0%)
5 y/oUS$1,645 (+4.9%)
10 y/oUS$1,480 (+5.1%)
15 y/oUS$1,513 (+5.1%)
20 y/oUS$1,808 (+5.1%)
25 y/oUS$1,926 (+2.4%)
30 y/oUS$2,156
35 y/oUS$2,377 (+0.5%)
40 y/oUS$2,775 (+1.1%)
45 y/oUS$3,450 (+0.7%)
50 y/oUS$4,474 (+0.5%)
55 y/oUS$5,552 (+0.7%)
60 y/oUS$7,475 (+1.0%)
65 y/oUS$10,543 (+3.0%)
70 y/oUS$13,995 (+5.0%)
75 y/oUS$14,783 (+5.0%)
80 y/oUS$14,783 (+5.0%)
85 y/oUS$14,783 (+5.0%)
90 y/oUS$14,783 (+5.0%)
95 y/oUS$14,783 (+5.0%)
99 y/oUS$14,783 (+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+4.58%
25 y/o+4.21%
30 y/o+3.81%
35 y/o+3.89%
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 | F00037-08-000-01 2019-08-30 | F00037-08-000-02 2021-04-01 | F00037-08-000-02 2022-11-01 | F00037-08-000-02 2023-11-23 | F00037-08-000-03 2024-07-22 | F00037-08-000-03 2024-11-23 | F00037-08-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | US$1,432 | US$1,432 | US$1,546 (+8.0%) | US$1,670 (+8.0%) | US$1,670 | US$1,838 (+10.1%) | US$1,930 (+5.0%) | +4.59% |
| 5 | US$1,154 | US$1,154 | US$1,246 (+8.0%) | US$1,345 (+7.9%) | US$1,345 | US$1,480 (+10.0%) | US$1,555 (+5.1%) | +4.59% |
| 10 | US$998 | US$998 | US$1,077 (+7.9%) | US$1,163 (+8.0%) | US$1,163 | US$1,280 (+10.1%) | US$1,343 (+4.9%) | +4.57% |
| 15 | US$1,037 | US$1,037 | US$1,119 (+7.9%) | US$1,208 (+8.0%) | US$1,208 | US$1,330 (+10.1%) | US$1,396 (+5.0%) | +4.57% |
| 20 | US$1,433 | US$1,433 | US$1,548 (+8.0%) | US$1,671 (+7.9%) | US$1,671 | US$1,839 (+10.1%) | US$1,931 (+5.0%) | +4.59% |
| 25 | US$1,675 | US$1,675 | US$1,810 (+8.1%) | US$1,954 (+8.0%) | US$1,954 | US$2,149 (+10.0%) | US$2,202 (+2.5%) | +4.20% |
| 30 | US$2,033 | US$2,033 | US$2,196 (+8.0%) | US$2,373 (+8.1%) | US$2,373 | US$2,610 (+10.0%) | US$2,610 | +3.83% |
| 35 | US$2,367 | US$2,367 | US$2,556 (+8.0%) | US$2,761 (+8.0%) | US$2,761 | US$3,037 (+10.0%) | US$3,051 (+0.5%) | +3.89% |
| 40 | US$2,793 | US$2,793 | US$3,017 (+8.0%) | US$3,258 (+8.0%) | US$3,258 | US$3,583 (+10.0%) | US$3,620 (+1.0%) | +3.98% |
| 45 | US$3,260 | US$3,260 | US$3,520 (+8.0%) | US$3,802 (+8.0%) | US$3,802 | US$4,182 (+10.0%) | US$4,213 (+0.7%) | +3.93% |
| 50 | US$3,907 | US$3,907 | US$4,219 (+8.0%) | US$4,557 (+8.0%) | US$4,557 | US$5,013 (+10.0%) | US$5,038 (+0.5%) | +3.90% |
| 55 | US$4,558 | US$4,558 | US$4,923 (+8.0%) | US$5,317 (+8.0%) | US$5,317 | US$5,849 (+10.0%) | US$5,893 (+0.8%) | +3.94% |
| 60 | US$5,520 | US$5,520 | US$5,962 (+8.0%) | US$6,439 (+8.0%) | US$6,439 | US$7,082 (+10.0%) | US$7,154 (+1.0%) | +3.98% |
| 65 | US$7,493 | US$7,493 | US$8,093 (+8.0%) | US$8,740 (+8.0%) | US$8,740 | US$9,614 (+10.0%) | US$9,902 (+3.0%) | +4.28% |
| 70 | US$9,775 | US$9,775 | US$10,557 (+8.0%) | US$11,402 (+8.0%) | US$11,402 | US$12,543 (+10.0%) | US$13,169 (+5.0%) | +4.58% |
| 75 | US$10,406 | US$10,406 | US$11,238 (+8.0%) | US$12,137 (+8.0%) | US$12,137 | US$13,351 (+10.0%) | US$14,018 (+5.0%) | +4.58% |
| 80 | US$10,406 | US$10,406 | US$11,238 (+8.0%) | US$12,137 (+8.0%) | US$12,137 | US$13,351 (+10.0%) | US$14,018 (+5.0%) | +4.58% |
| 85 | US$10,406 | US$10,406 | US$11,238 (+8.0%) | US$12,137 (+8.0%) | US$12,137 | US$13,351 (+10.0%) | US$14,018 (+5.0%) | +4.58% |
| 90 | US$10,406 | US$10,406 | US$11,238 (+8.0%) | US$12,137 (+8.0%) | US$12,137 | US$13,351 (+10.0%) | US$14,018 (+5.0%) | +4.58% |
| 95 | US$10,406 | US$10,406 | US$11,238 (+8.0%) | US$12,137 (+8.0%) | US$12,137 | US$13,351 (+10.0%) | US$14,018 (+5.0%) | +4.58% |
| 99 | US$10,406 | US$10,406 | US$11,238 (+8.0%) | US$12,137 (+8.0%) | US$12,137 | US$13,351 (+10.0%) | US$14,018 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oUS$1,432
5 y/oUS$1,154
10 y/oUS$998
15 y/oUS$1,037
20 y/oUS$1,433
25 y/oUS$1,675
30 y/oUS$2,033
35 y/oUS$2,367
40 y/oUS$2,793
45 y/oUS$3,260
50 y/oUS$3,907
55 y/oUS$4,558
60 y/oUS$5,520
65 y/oUS$7,493
70 y/oUS$9,775
75 y/oUS$10,406
80 y/oUS$10,406
85 y/oUS$10,406
90 y/oUS$10,406
95 y/oUS$10,406
99 y/oUS$10,406
0.0%
All-ages avg
0 y/oUS$1,432
5 y/oUS$1,154
10 y/oUS$998
15 y/oUS$1,037
20 y/oUS$1,433
25 y/oUS$1,675
30 y/oUS$2,033
35 y/oUS$2,367
40 y/oUS$2,793
45 y/oUS$3,260
50 y/oUS$3,907
55 y/oUS$4,558
60 y/oUS$5,520
65 y/oUS$7,493
70 y/oUS$9,775
75 y/oUS$10,406
80 y/oUS$10,406
85 y/oUS$10,406
90 y/oUS$10,406
95 y/oUS$10,406
99 y/oUS$10,406
+8.0%
All-ages avg
0 y/oUS$1,546 (+8.0%)
5 y/oUS$1,246 (+8.0%)
10 y/oUS$1,077 (+7.9%)
15 y/oUS$1,119 (+7.9%)
20 y/oUS$1,548 (+8.0%)
25 y/oUS$1,810 (+8.1%)
30 y/oUS$2,196 (+8.0%)
35 y/oUS$2,556 (+8.0%)
40 y/oUS$3,017 (+8.0%)
45 y/oUS$3,520 (+8.0%)
50 y/oUS$4,219 (+8.0%)
55 y/oUS$4,923 (+8.0%)
60 y/oUS$5,962 (+8.0%)
65 y/oUS$8,093 (+8.0%)
70 y/oUS$10,557 (+8.0%)
75 y/oUS$11,238 (+8.0%)
80 y/oUS$11,238 (+8.0%)
85 y/oUS$11,238 (+8.0%)
90 y/oUS$11,238 (+8.0%)
95 y/oUS$11,238 (+8.0%)
99 y/oUS$11,238 (+8.0%)
+8.0%
All-ages avg
0 y/oUS$1,670 (+8.0%)
5 y/oUS$1,345 (+7.9%)
10 y/oUS$1,163 (+8.0%)
15 y/oUS$1,208 (+8.0%)
20 y/oUS$1,671 (+7.9%)
25 y/oUS$1,954 (+8.0%)
30 y/oUS$2,373 (+8.1%)
35 y/oUS$2,761 (+8.0%)
40 y/oUS$3,258 (+8.0%)
45 y/oUS$3,802 (+8.0%)
50 y/oUS$4,557 (+8.0%)
55 y/oUS$5,317 (+8.0%)
60 y/oUS$6,439 (+8.0%)
65 y/oUS$8,740 (+8.0%)
70 y/oUS$11,402 (+8.0%)
75 y/oUS$12,137 (+8.0%)
80 y/oUS$12,137 (+8.0%)
85 y/oUS$12,137 (+8.0%)
90 y/oUS$12,137 (+8.0%)
95 y/oUS$12,137 (+8.0%)
99 y/oUS$12,137 (+8.0%)
0.0%
All-ages avg
0 y/oUS$1,670
5 y/oUS$1,345
10 y/oUS$1,163
15 y/oUS$1,208
20 y/oUS$1,671
25 y/oUS$1,954
30 y/oUS$2,373
35 y/oUS$2,761
40 y/oUS$3,258
45 y/oUS$3,802
50 y/oUS$4,557
55 y/oUS$5,317
60 y/oUS$6,439
65 y/oUS$8,740
70 y/oUS$11,402
75 y/oUS$12,137
80 y/oUS$12,137
85 y/oUS$12,137
90 y/oUS$12,137
95 y/oUS$12,137
99 y/oUS$12,137
+10.0%
All-ages avg
0 y/oUS$1,838 (+10.1%)
5 y/oUS$1,480 (+10.0%)
10 y/oUS$1,280 (+10.1%)
15 y/oUS$1,330 (+10.1%)
20 y/oUS$1,839 (+10.1%)
25 y/oUS$2,149 (+10.0%)
30 y/oUS$2,610 (+10.0%)
35 y/oUS$3,037 (+10.0%)
40 y/oUS$3,583 (+10.0%)
45 y/oUS$4,182 (+10.0%)
50 y/oUS$5,013 (+10.0%)
55 y/oUS$5,849 (+10.0%)
60 y/oUS$7,082 (+10.0%)
65 y/oUS$9,614 (+10.0%)
70 y/oUS$12,543 (+10.0%)
75 y/oUS$13,351 (+10.0%)
80 y/oUS$13,351 (+10.0%)
85 y/oUS$13,351 (+10.0%)
90 y/oUS$13,351 (+10.0%)
95 y/oUS$13,351 (+10.0%)
99 y/oUS$13,351 (+10.0%)
+3.3%
All-ages avg
0 y/oUS$1,930 (+5.0%)
5 y/oUS$1,555 (+5.1%)
10 y/oUS$1,343 (+4.9%)
15 y/oUS$1,396 (+5.0%)
20 y/oUS$1,931 (+5.0%)
25 y/oUS$2,202 (+2.5%)
30 y/oUS$2,610
35 y/oUS$3,051 (+0.5%)
40 y/oUS$3,620 (+1.0%)
45 y/oUS$4,213 (+0.7%)
50 y/oUS$5,038 (+0.5%)
55 y/oUS$5,893 (+0.8%)
60 y/oUS$7,154 (+1.0%)
65 y/oUS$9,902 (+3.0%)
70 y/oUS$13,169 (+5.0%)
75 y/oUS$14,018 (+5.0%)
80 y/oUS$14,018 (+5.0%)
85 y/oUS$14,018 (+5.0%)
90 y/oUS$14,018 (+5.0%)
95 y/oUS$14,018 (+5.0%)
99 y/oUS$14,018 (+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+4.59%
5 y/o+4.59%
10 y/o+4.57%
15 y/o+4.57%
20 y/o+4.59%
25 y/o+4.20%
30 y/o+3.83%
35 y/o+3.89%
40 y/o+3.98%
45 y/o+3.93%
50 y/o+3.90%
55 y/o+3.94%
60 y/o+3.98%
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