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''TopCare'' Medical Insurance Plan - Benefit Level 1 with SMM (USD)
「摯康保」醫療保障計劃 - 保障級別 1+超額醫療保障 (美元)
Chow Tai Fook Life Insurance Co Ltd · F00037-05-000 · 7 versions · Flexi plan · Avg. annual increase +4.33%
HKD
Male
| Age | F00037-01-000-01 2019-08-30 | F00037-01-000-02 2021-04-01 | F00037-01-000-02 2022-11-01 | F00037-01-000-02 2023-11-23 | F00037-01-000-03 2024-07-22 | F00037-01-000-03 2024-11-23 | F00037-01-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$5,075 | HK$5,075 | HK$5,481 (+8.0%) | HK$5,919 (+8.0%) | HK$5,919 | HK$6,511 (+10.0%) | HK$6,836 (+5.0%) | +4.58% |
| 5 | HK$2,963 | HK$2,963 | HK$3,200 (+8.0%) | HK$3,456 (+8.0%) | HK$3,456 | HK$3,801 (+10.0%) | HK$3,992 (+5.0%) | +4.58% |
| 10 | HK$2,869 | HK$2,869 | HK$3,099 (+8.0%) | HK$3,346 (+8.0%) | HK$3,346 | HK$3,681 (+10.0%) | HK$3,865 (+5.0%) | +4.58% |
| 15 | HK$2,933 | HK$2,933 | HK$3,168 (+8.0%) | HK$3,421 (+8.0%) | HK$3,421 | HK$3,763 (+10.0%) | HK$3,951 (+5.0%) | +4.58% |
| 20 | HK$3,329 | HK$3,329 | HK$3,595 (+8.0%) | HK$3,883 (+8.0%) | HK$3,883 | HK$4,271 (+10.0%) | HK$4,485 (+5.0%) | +4.58% |
| 25 | HK$3,667 | HK$3,667 | HK$3,960 (+8.0%) | HK$4,276 (+8.0%) | HK$4,276 | HK$4,704 (+10.0%) | HK$4,821 (+2.5%) | +4.20% |
| 30 | HK$4,049 | HK$4,049 | HK$4,373 (+8.0%) | HK$4,723 (+8.0%) | HK$4,723 | HK$5,195 (+10.0%) | HK$5,195 | +3.82% |
| 35 | HK$4,614 | HK$4,614 | HK$4,983 (+8.0%) | HK$5,382 (+8.0%) | HK$5,382 | HK$5,920 (+10.0%) | HK$5,950 (+0.5%) | +3.90% |
| 40 | HK$5,225 | HK$5,225 | HK$5,643 (+8.0%) | HK$6,094 (+8.0%) | HK$6,094 | HK$6,704 (+10.0%) | HK$6,770 (+1.0%) | +3.97% |
| 45 | HK$6,417 | HK$6,417 | HK$6,930 (+8.0%) | HK$7,485 (+8.0%) | HK$7,485 | HK$8,233 (+10.0%) | HK$8,295 (+0.8%) | +3.94% |
| 50 | HK$8,044 | HK$8,044 | HK$8,688 (+8.0%) | HK$9,383 (+8.0%) | HK$9,383 | HK$10,321 (+10.0%) | HK$10,373 (+0.5%) | +3.90% |
| 55 | HK$10,290 | HK$10,290 | HK$11,114 (+8.0%) | HK$12,004 (+8.0%) | HK$12,004 | HK$13,204 (+10.0%) | HK$13,302 (+0.7%) | +3.94% |
| 60 | HK$13,274 | HK$13,274 | HK$14,336 (+8.0%) | HK$15,482 (+8.0%) | HK$15,482 | HK$17,031 (+10.0%) | HK$17,201 (+1.0%) | +3.97% |
| 65 | HK$17,857 | HK$17,857 | HK$19,286 (+8.0%) | HK$20,829 (+8.0%) | HK$20,829 | HK$22,912 (+10.0%) | HK$23,599 (+3.0%) | +4.28% |
| 70 | HK$24,083 | HK$24,083 | HK$26,010 (+8.0%) | HK$28,090 (+8.0%) | HK$28,090 | HK$30,900 (+10.0%) | HK$32,445 (+5.0%) | +4.58% |
| 75 | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.58% |
| 80 | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.58% |
| 85 | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.58% |
| 90 | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.58% |
| 95 | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.58% |
| 99 | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$5,075
5 y/oHK$2,963
10 y/oHK$2,869
15 y/oHK$2,933
20 y/oHK$3,329
25 y/oHK$3,667
30 y/oHK$4,049
35 y/oHK$4,614
40 y/oHK$5,225
45 y/oHK$6,417
50 y/oHK$8,044
55 y/oHK$10,290
60 y/oHK$13,274
65 y/oHK$17,857
70 y/oHK$24,083
75 y/oHK$25,202
80 y/oHK$25,202
85 y/oHK$25,202
90 y/oHK$25,202
95 y/oHK$25,202
99 y/oHK$25,202
0.0%
All-ages avg
0 y/oHK$5,075
5 y/oHK$2,963
10 y/oHK$2,869
15 y/oHK$2,933
20 y/oHK$3,329
25 y/oHK$3,667
30 y/oHK$4,049
35 y/oHK$4,614
40 y/oHK$5,225
45 y/oHK$6,417
50 y/oHK$8,044
55 y/oHK$10,290
60 y/oHK$13,274
65 y/oHK$17,857
70 y/oHK$24,083
75 y/oHK$25,202
80 y/oHK$25,202
85 y/oHK$25,202
90 y/oHK$25,202
95 y/oHK$25,202
99 y/oHK$25,202
+8.0%
All-ages avg
0 y/oHK$5,481 (+8.0%)
5 y/oHK$3,200 (+8.0%)
10 y/oHK$3,099 (+8.0%)
15 y/oHK$3,168 (+8.0%)
20 y/oHK$3,595 (+8.0%)
25 y/oHK$3,960 (+8.0%)
30 y/oHK$4,373 (+8.0%)
35 y/oHK$4,983 (+8.0%)
40 y/oHK$5,643 (+8.0%)
45 y/oHK$6,930 (+8.0%)
50 y/oHK$8,688 (+8.0%)
55 y/oHK$11,114 (+8.0%)
60 y/oHK$14,336 (+8.0%)
65 y/oHK$19,286 (+8.0%)
70 y/oHK$26,010 (+8.0%)
75 y/oHK$27,219 (+8.0%)
80 y/oHK$27,219 (+8.0%)
85 y/oHK$27,219 (+8.0%)
90 y/oHK$27,219 (+8.0%)
95 y/oHK$27,219 (+8.0%)
99 y/oHK$27,219 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$5,919 (+8.0%)
5 y/oHK$3,456 (+8.0%)
10 y/oHK$3,346 (+8.0%)
15 y/oHK$3,421 (+8.0%)
20 y/oHK$3,883 (+8.0%)
25 y/oHK$4,276 (+8.0%)
30 y/oHK$4,723 (+8.0%)
35 y/oHK$5,382 (+8.0%)
40 y/oHK$6,094 (+8.0%)
45 y/oHK$7,485 (+8.0%)
50 y/oHK$9,383 (+8.0%)
55 y/oHK$12,004 (+8.0%)
60 y/oHK$15,482 (+8.0%)
65 y/oHK$20,829 (+8.0%)
70 y/oHK$28,090 (+8.0%)
75 y/oHK$29,396 (+8.0%)
80 y/oHK$29,396 (+8.0%)
85 y/oHK$29,396 (+8.0%)
90 y/oHK$29,396 (+8.0%)
95 y/oHK$29,396 (+8.0%)
99 y/oHK$29,396 (+8.0%)
0.0%
All-ages avg
0 y/oHK$5,919
5 y/oHK$3,456
10 y/oHK$3,346
15 y/oHK$3,421
20 y/oHK$3,883
25 y/oHK$4,276
30 y/oHK$4,723
35 y/oHK$5,382
40 y/oHK$6,094
45 y/oHK$7,485
50 y/oHK$9,383
55 y/oHK$12,004
60 y/oHK$15,482
65 y/oHK$20,829
70 y/oHK$28,090
75 y/oHK$29,396
80 y/oHK$29,396
85 y/oHK$29,396
90 y/oHK$29,396
95 y/oHK$29,396
99 y/oHK$29,396
+10.0%
All-ages avg
0 y/oHK$6,511 (+10.0%)
5 y/oHK$3,801 (+10.0%)
10 y/oHK$3,681 (+10.0%)
15 y/oHK$3,763 (+10.0%)
20 y/oHK$4,271 (+10.0%)
25 y/oHK$4,704 (+10.0%)
30 y/oHK$5,195 (+10.0%)
35 y/oHK$5,920 (+10.0%)
40 y/oHK$6,704 (+10.0%)
45 y/oHK$8,233 (+10.0%)
50 y/oHK$10,321 (+10.0%)
55 y/oHK$13,204 (+10.0%)
60 y/oHK$17,031 (+10.0%)
65 y/oHK$22,912 (+10.0%)
70 y/oHK$30,900 (+10.0%)
75 y/oHK$32,336 (+10.0%)
80 y/oHK$32,336 (+10.0%)
85 y/oHK$32,336 (+10.0%)
90 y/oHK$32,336 (+10.0%)
95 y/oHK$32,336 (+10.0%)
99 y/oHK$32,336 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$6,836 (+5.0%)
5 y/oHK$3,992 (+5.0%)
10 y/oHK$3,865 (+5.0%)
15 y/oHK$3,951 (+5.0%)
20 y/oHK$4,485 (+5.0%)
25 y/oHK$4,821 (+2.5%)
30 y/oHK$5,195
35 y/oHK$5,950 (+0.5%)
40 y/oHK$6,770 (+1.0%)
45 y/oHK$8,295 (+0.8%)
50 y/oHK$10,373 (+0.5%)
55 y/oHK$13,302 (+0.7%)
60 y/oHK$17,201 (+1.0%)
65 y/oHK$23,599 (+3.0%)
70 y/oHK$32,445 (+5.0%)
75 y/oHK$33,952 (+5.0%)
80 y/oHK$33,952 (+5.0%)
85 y/oHK$33,952 (+5.0%)
90 y/oHK$33,952 (+5.0%)
95 y/oHK$33,952 (+5.0%)
99 y/oHK$33,952 (+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+4.20%
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 | F00037-01-000-01 2019-08-30 | F00037-01-000-02 2021-04-01 | F00037-01-000-02 2022-11-01 | F00037-01-000-02 2023-11-23 | F00037-01-000-03 2024-07-22 | F00037-01-000-03 2024-11-23 | F00037-01-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$3,874 | HK$3,874 | HK$4,183 (+8.0%) | HK$4,518 (+8.0%) | HK$4,518 | HK$4,970 (+10.0%) | HK$5,219 (+5.0%) | +4.58% |
| 5 | HK$3,113 | HK$3,113 | HK$3,362 (+8.0%) | HK$3,631 (+8.0%) | HK$3,631 | HK$3,994 (+10.0%) | HK$4,194 (+5.0%) | +4.58% |
| 10 | HK$2,751 | HK$2,751 | HK$2,971 (+8.0%) | HK$3,210 (+8.0%) | HK$3,210 | HK$3,531 (+10.0%) | HK$3,707 (+5.0%) | +4.59% |
| 15 | HK$2,863 | HK$2,863 | HK$3,092 (+8.0%) | HK$3,339 (+8.0%) | HK$3,339 | HK$3,674 (+10.0%) | HK$3,857 (+5.0%) | +4.58% |
| 20 | HK$3,655 | HK$3,655 | HK$3,948 (+8.0%) | HK$4,263 (+8.0%) | HK$4,263 | HK$4,689 (+10.0%) | HK$4,924 (+5.0%) | +4.58% |
| 25 | HK$4,482 | HK$4,482 | HK$4,840 (+8.0%) | HK$5,227 (+8.0%) | HK$5,227 | HK$5,750 (+10.0%) | HK$5,894 (+2.5%) | +4.20% |
| 30 | HK$5,563 | HK$5,563 | HK$6,008 (+8.0%) | HK$6,489 (+8.0%) | HK$6,489 | HK$7,138 (+10.0%) | HK$7,138 | +3.82% |
| 35 | HK$6,673 | HK$6,673 | HK$7,206 (+8.0%) | HK$7,782 (+8.0%) | HK$7,782 | HK$8,561 (+10.0%) | HK$8,604 (+0.5%) | +3.90% |
| 40 | HK$7,806 | HK$7,806 | HK$8,431 (+8.0%) | HK$9,106 (+8.0%) | HK$9,106 | HK$10,017 (+10.0%) | HK$10,117 (+1.0%) | +3.98% |
| 45 | HK$8,919 | HK$8,919 | HK$9,632 (+8.0%) | HK$10,402 (+8.0%) | HK$10,402 | HK$11,443 (+10.0%) | HK$11,529 (+0.8%) | +3.94% |
| 50 | HK$9,879 | HK$9,879 | HK$10,669 (+8.0%) | HK$11,523 (+8.0%) | HK$11,523 | HK$12,675 (+10.0%) | HK$12,738 (+0.5%) | +3.90% |
| 55 | HK$11,279 | HK$11,279 | HK$12,181 (+8.0%) | HK$13,156 (+8.0%) | HK$13,156 | HK$14,471 (+10.0%) | HK$14,580 (+0.8%) | +3.94% |
| 60 | HK$12,714 | HK$12,714 | HK$13,731 (+8.0%) | HK$14,830 (+8.0%) | HK$14,830 | HK$16,313 (+10.0%) | HK$16,476 (+1.0%) | +3.97% |
| 65 | HK$16,719 | HK$16,719 | HK$18,057 (+8.0%) | HK$19,501 (+8.0%) | HK$19,501 | HK$21,451 (+10.0%) | HK$22,095 (+3.0%) | +4.28% |
| 70 | HK$22,554 | HK$22,554 | HK$24,358 (+8.0%) | HK$26,307 (+8.0%) | HK$26,307 | HK$28,938 (+10.0%) | HK$30,385 (+5.0%) | +4.58% |
| 75 | HK$23,596 | HK$23,596 | HK$25,485 (+8.0%) | HK$27,524 (+8.0%) | HK$27,524 | HK$30,276 (+10.0%) | HK$31,790 (+5.0%) | +4.58% |
| 80 | HK$23,596 | HK$23,596 | HK$25,485 (+8.0%) | HK$27,524 (+8.0%) | HK$27,524 | HK$30,276 (+10.0%) | HK$31,790 (+5.0%) | +4.58% |
| 85 | HK$23,596 | HK$23,596 | HK$25,485 (+8.0%) | HK$27,524 (+8.0%) | HK$27,524 | HK$30,276 (+10.0%) | HK$31,790 (+5.0%) | +4.58% |
| 90 | HK$23,596 | HK$23,596 | HK$25,485 (+8.0%) | HK$27,524 (+8.0%) | HK$27,524 | HK$30,276 (+10.0%) | HK$31,790 (+5.0%) | +4.58% |
| 95 | HK$23,596 | HK$23,596 | HK$25,485 (+8.0%) | HK$27,524 (+8.0%) | HK$27,524 | HK$30,276 (+10.0%) | HK$31,790 (+5.0%) | +4.58% |
| 99 | HK$23,596 | HK$23,596 | HK$25,485 (+8.0%) | HK$27,524 (+8.0%) | HK$27,524 | HK$30,276 (+10.0%) | HK$31,790 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$3,874
5 y/oHK$3,113
10 y/oHK$2,751
15 y/oHK$2,863
20 y/oHK$3,655
25 y/oHK$4,482
30 y/oHK$5,563
35 y/oHK$6,673
40 y/oHK$7,806
45 y/oHK$8,919
50 y/oHK$9,879
55 y/oHK$11,279
60 y/oHK$12,714
65 y/oHK$16,719
70 y/oHK$22,554
75 y/oHK$23,596
80 y/oHK$23,596
85 y/oHK$23,596
90 y/oHK$23,596
95 y/oHK$23,596
99 y/oHK$23,596
0.0%
All-ages avg
0 y/oHK$3,874
5 y/oHK$3,113
10 y/oHK$2,751
15 y/oHK$2,863
20 y/oHK$3,655
25 y/oHK$4,482
30 y/oHK$5,563
35 y/oHK$6,673
40 y/oHK$7,806
45 y/oHK$8,919
50 y/oHK$9,879
55 y/oHK$11,279
60 y/oHK$12,714
65 y/oHK$16,719
70 y/oHK$22,554
75 y/oHK$23,596
80 y/oHK$23,596
85 y/oHK$23,596
90 y/oHK$23,596
95 y/oHK$23,596
99 y/oHK$23,596
+8.0%
All-ages avg
0 y/oHK$4,183 (+8.0%)
5 y/oHK$3,362 (+8.0%)
10 y/oHK$2,971 (+8.0%)
15 y/oHK$3,092 (+8.0%)
20 y/oHK$3,948 (+8.0%)
25 y/oHK$4,840 (+8.0%)
30 y/oHK$6,008 (+8.0%)
35 y/oHK$7,206 (+8.0%)
40 y/oHK$8,431 (+8.0%)
45 y/oHK$9,632 (+8.0%)
50 y/oHK$10,669 (+8.0%)
55 y/oHK$12,181 (+8.0%)
60 y/oHK$13,731 (+8.0%)
65 y/oHK$18,057 (+8.0%)
70 y/oHK$24,358 (+8.0%)
75 y/oHK$25,485 (+8.0%)
80 y/oHK$25,485 (+8.0%)
85 y/oHK$25,485 (+8.0%)
90 y/oHK$25,485 (+8.0%)
95 y/oHK$25,485 (+8.0%)
99 y/oHK$25,485 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$4,518 (+8.0%)
5 y/oHK$3,631 (+8.0%)
10 y/oHK$3,210 (+8.0%)
15 y/oHK$3,339 (+8.0%)
20 y/oHK$4,263 (+8.0%)
25 y/oHK$5,227 (+8.0%)
30 y/oHK$6,489 (+8.0%)
35 y/oHK$7,782 (+8.0%)
40 y/oHK$9,106 (+8.0%)
45 y/oHK$10,402 (+8.0%)
50 y/oHK$11,523 (+8.0%)
55 y/oHK$13,156 (+8.0%)
60 y/oHK$14,830 (+8.0%)
65 y/oHK$19,501 (+8.0%)
70 y/oHK$26,307 (+8.0%)
75 y/oHK$27,524 (+8.0%)
80 y/oHK$27,524 (+8.0%)
85 y/oHK$27,524 (+8.0%)
90 y/oHK$27,524 (+8.0%)
95 y/oHK$27,524 (+8.0%)
99 y/oHK$27,524 (+8.0%)
0.0%
All-ages avg
0 y/oHK$4,518
5 y/oHK$3,631
10 y/oHK$3,210
15 y/oHK$3,339
20 y/oHK$4,263
25 y/oHK$5,227
30 y/oHK$6,489
35 y/oHK$7,782
40 y/oHK$9,106
45 y/oHK$10,402
50 y/oHK$11,523
55 y/oHK$13,156
60 y/oHK$14,830
65 y/oHK$19,501
70 y/oHK$26,307
75 y/oHK$27,524
80 y/oHK$27,524
85 y/oHK$27,524
90 y/oHK$27,524
95 y/oHK$27,524
99 y/oHK$27,524
+10.0%
All-ages avg
0 y/oHK$4,970 (+10.0%)
5 y/oHK$3,994 (+10.0%)
10 y/oHK$3,531 (+10.0%)
15 y/oHK$3,674 (+10.0%)
20 y/oHK$4,689 (+10.0%)
25 y/oHK$5,750 (+10.0%)
30 y/oHK$7,138 (+10.0%)
35 y/oHK$8,561 (+10.0%)
40 y/oHK$10,017 (+10.0%)
45 y/oHK$11,443 (+10.0%)
50 y/oHK$12,675 (+10.0%)
55 y/oHK$14,471 (+10.0%)
60 y/oHK$16,313 (+10.0%)
65 y/oHK$21,451 (+10.0%)
70 y/oHK$28,938 (+10.0%)
75 y/oHK$30,276 (+10.0%)
80 y/oHK$30,276 (+10.0%)
85 y/oHK$30,276 (+10.0%)
90 y/oHK$30,276 (+10.0%)
95 y/oHK$30,276 (+10.0%)
99 y/oHK$30,276 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$5,219 (+5.0%)
5 y/oHK$4,194 (+5.0%)
10 y/oHK$3,707 (+5.0%)
15 y/oHK$3,857 (+5.0%)
20 y/oHK$4,924 (+5.0%)
25 y/oHK$5,894 (+2.5%)
30 y/oHK$7,138
35 y/oHK$8,604 (+0.5%)
40 y/oHK$10,117 (+1.0%)
45 y/oHK$11,529 (+0.8%)
50 y/oHK$12,738 (+0.5%)
55 y/oHK$14,580 (+0.8%)
60 y/oHK$16,476 (+1.0%)
65 y/oHK$22,095 (+3.0%)
70 y/oHK$30,385 (+5.0%)
75 y/oHK$31,790 (+5.0%)
80 y/oHK$31,790 (+5.0%)
85 y/oHK$31,790 (+5.0%)
90 y/oHK$31,790 (+5.0%)
95 y/oHK$31,790 (+5.0%)
99 y/oHK$31,790 (+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+4.20%
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 | F00037-05-000-01 2019-08-30 | F00037-05-000-02 2021-04-01 | F00037-05-000-02 2022-11-01 | F00037-05-000-02 2023-11-23 | F00037-05-000-03 2024-07-22 | F00037-05-000-03 2024-11-23 | F00037-05-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | US$655 | US$655 | US$707 (+7.9%) | US$764 (+8.1%) | US$764 | US$840 (+9.9%) | US$882 (+5.0%) | +4.58% |
| 5 | US$382 | US$382 | US$413 (+8.1%) | US$446 (+8.0%) | US$446 | US$490 (+9.9%) | US$515 (+5.1%) | +4.59% |
| 10 | US$370 | US$370 | US$400 (+8.1%) | US$432 (+8.0%) | US$432 | US$475 (+10.0%) | US$499 (+5.1%) | +4.60% |
| 15 | US$379 | US$379 | US$408 (+7.7%) | US$442 (+8.3%) | US$442 | US$486 (+10.0%) | US$510 (+4.9%) | +4.57% |
| 20 | US$430 | US$430 | US$464 (+7.9%) | US$501 (+8.0%) | US$501 | US$551 (+10.0%) | US$579 (+5.1%) | +4.58% |
| 25 | US$473 | US$473 | US$511 (+8.0%) | US$551 (+7.8%) | US$551 | US$607 (+10.2%) | US$623 (+2.6%) | +4.23% |
| 30 | US$523 | US$523 | US$564 (+7.8%) | US$610 (+8.2%) | US$610 | US$670 (+9.8%) | US$670 | +3.79% |
| 35 | US$595 | US$595 | US$643 (+8.1%) | US$694 (+7.9%) | US$694 | US$764 (+10.1%) | US$768 (+0.5%) | +3.91% |
| 40 | US$674 | US$674 | US$729 (+8.2%) | US$787 (+8.0%) | US$787 | US$865 (+9.9%) | US$874 (+1.0%) | +3.98% |
| 45 | US$827 | US$827 | US$894 (+8.1%) | US$965 (+7.9%) | US$965 | US$1,062 (+10.1%) | US$1,070 (+0.8%) | +3.95% |
| 50 | US$1,038 | US$1,038 | US$1,121 (+8.0%) | US$1,211 (+8.0%) | US$1,211 | US$1,332 (+10.0%) | US$1,338 (+0.5%) | +3.89% |
| 55 | US$1,327 | US$1,327 | US$1,435 (+8.1%) | US$1,549 (+7.9%) | US$1,549 | US$1,704 (+10.0%) | US$1,717 (+0.8%) | +3.95% |
| 60 | US$1,713 | US$1,713 | US$1,850 (+8.0%) | US$1,998 (+8.0%) | US$1,998 | US$2,198 (+10.0%) | US$2,219 (+1.0%) | +3.97% |
| 65 | US$2,304 | US$2,304 | US$2,488 (+8.0%) | US$2,688 (+8.0%) | US$2,688 | US$2,956 (+10.0%) | US$3,045 (+3.0%) | +4.28% |
| 70 | US$3,107 | US$3,107 | US$3,356 (+8.0%) | US$3,625 (+8.0%) | US$3,625 | US$3,987 (+10.0%) | US$4,187 (+5.0%) | +4.59% |
| 75 | US$3,252 | US$3,252 | US$3,512 (+8.0%) | US$3,793 (+8.0%) | US$3,793 | US$4,173 (+10.0%) | US$4,381 (+5.0%) | +4.58% |
| 80 | US$3,252 | US$3,252 | US$3,512 (+8.0%) | US$3,793 (+8.0%) | US$3,793 | US$4,173 (+10.0%) | US$4,381 (+5.0%) | +4.58% |
| 85 | US$3,252 | US$3,252 | US$3,512 (+8.0%) | US$3,793 (+8.0%) | US$3,793 | US$4,173 (+10.0%) | US$4,381 (+5.0%) | +4.58% |
| 90 | US$3,252 | US$3,252 | US$3,512 (+8.0%) | US$3,793 (+8.0%) | US$3,793 | US$4,173 (+10.0%) | US$4,381 (+5.0%) | +4.58% |
| 95 | US$3,252 | US$3,252 | US$3,512 (+8.0%) | US$3,793 (+8.0%) | US$3,793 | US$4,173 (+10.0%) | US$4,381 (+5.0%) | +4.58% |
| 99 | US$3,252 | US$3,252 | US$3,512 (+8.0%) | US$3,793 (+8.0%) | US$3,793 | US$4,173 (+10.0%) | US$4,381 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oUS$655
5 y/oUS$382
10 y/oUS$370
15 y/oUS$379
20 y/oUS$430
25 y/oUS$473
30 y/oUS$523
35 y/oUS$595
40 y/oUS$674
45 y/oUS$827
50 y/oUS$1,038
55 y/oUS$1,327
60 y/oUS$1,713
65 y/oUS$2,304
70 y/oUS$3,107
75 y/oUS$3,252
80 y/oUS$3,252
85 y/oUS$3,252
90 y/oUS$3,252
95 y/oUS$3,252
99 y/oUS$3,252
0.0%
All-ages avg
0 y/oUS$655
5 y/oUS$382
10 y/oUS$370
15 y/oUS$379
20 y/oUS$430
25 y/oUS$473
30 y/oUS$523
35 y/oUS$595
40 y/oUS$674
45 y/oUS$827
50 y/oUS$1,038
55 y/oUS$1,327
60 y/oUS$1,713
65 y/oUS$2,304
70 y/oUS$3,107
75 y/oUS$3,252
80 y/oUS$3,252
85 y/oUS$3,252
90 y/oUS$3,252
95 y/oUS$3,252
99 y/oUS$3,252
+8.0%
All-ages avg
0 y/oUS$707 (+7.9%)
5 y/oUS$413 (+8.1%)
10 y/oUS$400 (+8.1%)
15 y/oUS$408 (+7.7%)
20 y/oUS$464 (+7.9%)
25 y/oUS$511 (+8.0%)
30 y/oUS$564 (+7.8%)
35 y/oUS$643 (+8.1%)
40 y/oUS$729 (+8.2%)
45 y/oUS$894 (+8.1%)
50 y/oUS$1,121 (+8.0%)
55 y/oUS$1,435 (+8.1%)
60 y/oUS$1,850 (+8.0%)
65 y/oUS$2,488 (+8.0%)
70 y/oUS$3,356 (+8.0%)
75 y/oUS$3,512 (+8.0%)
80 y/oUS$3,512 (+8.0%)
85 y/oUS$3,512 (+8.0%)
90 y/oUS$3,512 (+8.0%)
95 y/oUS$3,512 (+8.0%)
99 y/oUS$3,512 (+8.0%)
+8.0%
All-ages avg
0 y/oUS$764 (+8.1%)
5 y/oUS$446 (+8.0%)
10 y/oUS$432 (+8.0%)
15 y/oUS$442 (+8.3%)
20 y/oUS$501 (+8.0%)
25 y/oUS$551 (+7.8%)
30 y/oUS$610 (+8.2%)
35 y/oUS$694 (+7.9%)
40 y/oUS$787 (+8.0%)
45 y/oUS$965 (+7.9%)
50 y/oUS$1,211 (+8.0%)
55 y/oUS$1,549 (+7.9%)
60 y/oUS$1,998 (+8.0%)
65 y/oUS$2,688 (+8.0%)
70 y/oUS$3,625 (+8.0%)
75 y/oUS$3,793 (+8.0%)
80 y/oUS$3,793 (+8.0%)
85 y/oUS$3,793 (+8.0%)
90 y/oUS$3,793 (+8.0%)
95 y/oUS$3,793 (+8.0%)
99 y/oUS$3,793 (+8.0%)
0.0%
All-ages avg
0 y/oUS$764
5 y/oUS$446
10 y/oUS$432
15 y/oUS$442
20 y/oUS$501
25 y/oUS$551
30 y/oUS$610
35 y/oUS$694
40 y/oUS$787
45 y/oUS$965
50 y/oUS$1,211
55 y/oUS$1,549
60 y/oUS$1,998
65 y/oUS$2,688
70 y/oUS$3,625
75 y/oUS$3,793
80 y/oUS$3,793
85 y/oUS$3,793
90 y/oUS$3,793
95 y/oUS$3,793
99 y/oUS$3,793
+10.0%
All-ages avg
0 y/oUS$840 (+9.9%)
5 y/oUS$490 (+9.9%)
10 y/oUS$475 (+10.0%)
15 y/oUS$486 (+10.0%)
20 y/oUS$551 (+10.0%)
25 y/oUS$607 (+10.2%)
30 y/oUS$670 (+9.8%)
35 y/oUS$764 (+10.1%)
40 y/oUS$865 (+9.9%)
45 y/oUS$1,062 (+10.1%)
50 y/oUS$1,332 (+10.0%)
55 y/oUS$1,704 (+10.0%)
60 y/oUS$2,198 (+10.0%)
65 y/oUS$2,956 (+10.0%)
70 y/oUS$3,987 (+10.0%)
75 y/oUS$4,173 (+10.0%)
80 y/oUS$4,173 (+10.0%)
85 y/oUS$4,173 (+10.0%)
90 y/oUS$4,173 (+10.0%)
95 y/oUS$4,173 (+10.0%)
99 y/oUS$4,173 (+10.0%)
+3.3%
All-ages avg
0 y/oUS$882 (+5.0%)
5 y/oUS$515 (+5.1%)
10 y/oUS$499 (+5.1%)
15 y/oUS$510 (+4.9%)
20 y/oUS$579 (+5.1%)
25 y/oUS$623 (+2.6%)
30 y/oUS$670
35 y/oUS$768 (+0.5%)
40 y/oUS$874 (+1.0%)
45 y/oUS$1,070 (+0.8%)
50 y/oUS$1,338 (+0.5%)
55 y/oUS$1,717 (+0.8%)
60 y/oUS$2,219 (+1.0%)
65 y/oUS$3,045 (+3.0%)
70 y/oUS$4,187 (+5.0%)
75 y/oUS$4,381 (+5.0%)
80 y/oUS$4,381 (+5.0%)
85 y/oUS$4,381 (+5.0%)
90 y/oUS$4,381 (+5.0%)
95 y/oUS$4,381 (+5.0%)
99 y/oUS$4,381 (+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+4.59%
10 y/o+4.60%
15 y/o+4.57%
20 y/o+4.58%
25 y/o+4.23%
30 y/o+3.79%
35 y/o+3.91%
40 y/o+3.98%
45 y/o+3.95%
50 y/o+3.89%
55 y/o+3.95%
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
Female
| Age | F00037-05-000-01 2019-08-30 | F00037-05-000-02 2021-04-01 | F00037-05-000-02 2022-11-01 | F00037-05-000-02 2023-11-23 | F00037-05-000-03 2024-07-22 | F00037-05-000-03 2024-11-23 | F00037-05-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | US$500 | US$500 | US$539 (+7.8%) | US$583 (+8.2%) | US$583 | US$642 (+10.1%) | US$674 (+5.0%) | +4.59% |
| 5 | US$401 | US$401 | US$433 (+8.0%) | US$469 (+8.3%) | US$469 | US$515 (+9.8%) | US$542 (+5.2%) | +4.63% |
| 10 | US$355 | US$355 | US$383 (+7.9%) | US$414 (+8.1%) | US$414 | US$456 (+10.1%) | US$479 (+5.0%) | +4.61% |
| 15 | US$369 | US$369 | US$399 (+8.1%) | US$431 (+8.0%) | US$431 | US$474 (+10.0%) | US$498 (+5.1%) | +4.61% |
| 20 | US$471 | US$471 | US$510 (+8.3%) | US$550 (+7.8%) | US$550 | US$605 (+10.0%) | US$636 (+5.1%) | +4.62% |
| 25 | US$579 | US$579 | US$625 (+7.9%) | US$675 (+8.0%) | US$675 | US$742 (+9.9%) | US$761 (+2.6%) | +4.20% |
| 30 | US$718 | US$718 | US$775 (+7.9%) | US$837 (+8.0%) | US$837 | US$921 (+10.0%) | US$921 | +3.82% |
| 35 | US$861 | US$861 | US$930 (+8.0%) | US$1,004 (+8.0%) | US$1,004 | US$1,105 (+10.1%) | US$1,111 (+0.5%) | +3.91% |
| 40 | US$1,007 | US$1,007 | US$1,088 (+8.0%) | US$1,175 (+8.0%) | US$1,175 | US$1,293 (+10.0%) | US$1,306 (+1.0%) | +3.99% |
| 45 | US$1,151 | US$1,151 | US$1,243 (+8.0%) | US$1,342 (+8.0%) | US$1,342 | US$1,476 (+10.0%) | US$1,488 (+0.8%) | +3.94% |
| 50 | US$1,275 | US$1,275 | US$1,376 (+7.9%) | US$1,487 (+8.1%) | US$1,487 | US$1,636 (+10.0%) | US$1,644 (+0.5%) | +3.90% |
| 55 | US$1,455 | US$1,455 | US$1,571 (+8.0%) | US$1,698 (+8.1%) | US$1,698 | US$1,868 (+10.0%) | US$1,881 (+0.7%) | +3.94% |
| 60 | US$1,640 | US$1,640 | US$1,771 (+8.0%) | US$1,913 (+8.0%) | US$1,913 | US$2,105 (+10.0%) | US$2,126 (+1.0%) | +3.98% |
| 65 | US$2,157 | US$2,157 | US$2,330 (+8.0%) | US$2,517 (+8.0%) | US$2,517 | US$2,768 (+10.0%) | US$2,851 (+3.0%) | +4.28% |
| 70 | US$2,911 | US$2,911 | US$3,143 (+8.0%) | US$3,394 (+8.0%) | US$3,394 | US$3,735 (+10.0%) | US$3,920 (+5.0%) | +4.58% |
| 75 | US$3,045 | US$3,045 | US$3,288 (+8.0%) | US$3,551 (+8.0%) | US$3,551 | US$3,907 (+10.0%) | US$4,102 (+5.0%) | +4.58% |
| 80 | US$3,045 | US$3,045 | US$3,288 (+8.0%) | US$3,551 (+8.0%) | US$3,551 | US$3,907 (+10.0%) | US$4,102 (+5.0%) | +4.58% |
| 85 | US$3,045 | US$3,045 | US$3,288 (+8.0%) | US$3,551 (+8.0%) | US$3,551 | US$3,907 (+10.0%) | US$4,102 (+5.0%) | +4.58% |
| 90 | US$3,045 | US$3,045 | US$3,288 (+8.0%) | US$3,551 (+8.0%) | US$3,551 | US$3,907 (+10.0%) | US$4,102 (+5.0%) | +4.58% |
| 95 | US$3,045 | US$3,045 | US$3,288 (+8.0%) | US$3,551 (+8.0%) | US$3,551 | US$3,907 (+10.0%) | US$4,102 (+5.0%) | +4.58% |
| 99 | US$3,045 | US$3,045 | US$3,288 (+8.0%) | US$3,551 (+8.0%) | US$3,551 | US$3,907 (+10.0%) | US$4,102 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.4% | — |
0 y/oUS$500
5 y/oUS$401
10 y/oUS$355
15 y/oUS$369
20 y/oUS$471
25 y/oUS$579
30 y/oUS$718
35 y/oUS$861
40 y/oUS$1,007
45 y/oUS$1,151
50 y/oUS$1,275
55 y/oUS$1,455
60 y/oUS$1,640
65 y/oUS$2,157
70 y/oUS$2,911
75 y/oUS$3,045
80 y/oUS$3,045
85 y/oUS$3,045
90 y/oUS$3,045
95 y/oUS$3,045
99 y/oUS$3,045
0.0%
All-ages avg
0 y/oUS$500
5 y/oUS$401
10 y/oUS$355
15 y/oUS$369
20 y/oUS$471
25 y/oUS$579
30 y/oUS$718
35 y/oUS$861
40 y/oUS$1,007
45 y/oUS$1,151
50 y/oUS$1,275
55 y/oUS$1,455
60 y/oUS$1,640
65 y/oUS$2,157
70 y/oUS$2,911
75 y/oUS$3,045
80 y/oUS$3,045
85 y/oUS$3,045
90 y/oUS$3,045
95 y/oUS$3,045
99 y/oUS$3,045
+8.0%
All-ages avg
0 y/oUS$539 (+7.8%)
5 y/oUS$433 (+8.0%)
10 y/oUS$383 (+7.9%)
15 y/oUS$399 (+8.1%)
20 y/oUS$510 (+8.3%)
25 y/oUS$625 (+7.9%)
30 y/oUS$775 (+7.9%)
35 y/oUS$930 (+8.0%)
40 y/oUS$1,088 (+8.0%)
45 y/oUS$1,243 (+8.0%)
50 y/oUS$1,376 (+7.9%)
55 y/oUS$1,571 (+8.0%)
60 y/oUS$1,771 (+8.0%)
65 y/oUS$2,330 (+8.0%)
70 y/oUS$3,143 (+8.0%)
75 y/oUS$3,288 (+8.0%)
80 y/oUS$3,288 (+8.0%)
85 y/oUS$3,288 (+8.0%)
90 y/oUS$3,288 (+8.0%)
95 y/oUS$3,288 (+8.0%)
99 y/oUS$3,288 (+8.0%)
+8.0%
All-ages avg
0 y/oUS$583 (+8.2%)
5 y/oUS$469 (+8.3%)
10 y/oUS$414 (+8.1%)
15 y/oUS$431 (+8.0%)
20 y/oUS$550 (+7.8%)
25 y/oUS$675 (+8.0%)
30 y/oUS$837 (+8.0%)
35 y/oUS$1,004 (+8.0%)
40 y/oUS$1,175 (+8.0%)
45 y/oUS$1,342 (+8.0%)
50 y/oUS$1,487 (+8.1%)
55 y/oUS$1,698 (+8.1%)
60 y/oUS$1,913 (+8.0%)
65 y/oUS$2,517 (+8.0%)
70 y/oUS$3,394 (+8.0%)
75 y/oUS$3,551 (+8.0%)
80 y/oUS$3,551 (+8.0%)
85 y/oUS$3,551 (+8.0%)
90 y/oUS$3,551 (+8.0%)
95 y/oUS$3,551 (+8.0%)
99 y/oUS$3,551 (+8.0%)
0.0%
All-ages avg
0 y/oUS$583
5 y/oUS$469
10 y/oUS$414
15 y/oUS$431
20 y/oUS$550
25 y/oUS$675
30 y/oUS$837
35 y/oUS$1,004
40 y/oUS$1,175
45 y/oUS$1,342
50 y/oUS$1,487
55 y/oUS$1,698
60 y/oUS$1,913
65 y/oUS$2,517
70 y/oUS$3,394
75 y/oUS$3,551
80 y/oUS$3,551
85 y/oUS$3,551
90 y/oUS$3,551
95 y/oUS$3,551
99 y/oUS$3,551
+10.0%
All-ages avg
0 y/oUS$642 (+10.1%)
5 y/oUS$515 (+9.8%)
10 y/oUS$456 (+10.1%)
15 y/oUS$474 (+10.0%)
20 y/oUS$605 (+10.0%)
25 y/oUS$742 (+9.9%)
30 y/oUS$921 (+10.0%)
35 y/oUS$1,105 (+10.1%)
40 y/oUS$1,293 (+10.0%)
45 y/oUS$1,476 (+10.0%)
50 y/oUS$1,636 (+10.0%)
55 y/oUS$1,868 (+10.0%)
60 y/oUS$2,105 (+10.0%)
65 y/oUS$2,768 (+10.0%)
70 y/oUS$3,735 (+10.0%)
75 y/oUS$3,907 (+10.0%)
80 y/oUS$3,907 (+10.0%)
85 y/oUS$3,907 (+10.0%)
90 y/oUS$3,907 (+10.0%)
95 y/oUS$3,907 (+10.0%)
99 y/oUS$3,907 (+10.0%)
+3.4%
All-ages avg
0 y/oUS$674 (+5.0%)
5 y/oUS$542 (+5.2%)
10 y/oUS$479 (+5.0%)
15 y/oUS$498 (+5.1%)
20 y/oUS$636 (+5.1%)
25 y/oUS$761 (+2.6%)
30 y/oUS$921
35 y/oUS$1,111 (+0.5%)
40 y/oUS$1,306 (+1.0%)
45 y/oUS$1,488 (+0.8%)
50 y/oUS$1,644 (+0.5%)
55 y/oUS$1,881 (+0.7%)
60 y/oUS$2,126 (+1.0%)
65 y/oUS$2,851 (+3.0%)
70 y/oUS$3,920 (+5.0%)
75 y/oUS$4,102 (+5.0%)
80 y/oUS$4,102 (+5.0%)
85 y/oUS$4,102 (+5.0%)
90 y/oUS$4,102 (+5.0%)
95 y/oUS$4,102 (+5.0%)
99 y/oUS$4,102 (+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+4.63%
10 y/o+4.61%
15 y/o+4.61%
20 y/o+4.62%
25 y/o+4.20%
30 y/o+3.82%
35 y/o+3.91%
40 y/o+3.99%
45 y/o+3.94%
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