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''TopCare'' Medical Insurance Plan - Benefit Level 2 with SMM (USD)
「摯康保」醫療保障計劃 - 保障級別 2+超額醫療保障 (美元)
Chow Tai Fook Life Insurance Co Ltd · F00037-06-000 · 7 versions · Flexi plan · Avg. annual increase +4.33%
HKD
Male
| Age | F00037-02-000-01 2019-08-30 | F00037-02-000-02 2021-04-01 | F00037-02-000-02 2022-11-01 | F00037-02-000-02 2023-11-23 | F00037-02-000-03 2024-07-22 | F00037-02-000-03 2024-11-23 | F00037-02-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$6,274 | HK$6,274 | HK$6,776 (+8.0%) | HK$7,318 (+8.0%) | HK$7,318 | HK$8,050 (+10.0%) | HK$8,452 (+5.0%) | +4.58% |
| 5 | HK$3,883 | HK$3,883 | HK$4,194 (+8.0%) | HK$4,530 (+8.0%) | HK$4,530 | HK$4,983 (+10.0%) | HK$5,232 (+5.0%) | +4.59% |
| 10 | HK$3,444 | HK$3,444 | HK$3,719 (+8.0%) | HK$4,017 (+8.0%) | HK$4,017 | HK$4,418 (+10.0%) | HK$4,639 (+5.0%) | +4.58% |
| 15 | HK$3,521 | HK$3,521 | HK$3,804 (+8.0%) | HK$4,108 (+8.0%) | HK$4,108 | HK$4,519 (+10.0%) | HK$4,745 (+5.0%) | +4.59% |
| 20 | HK$3,994 | HK$3,994 | HK$4,313 (+8.0%) | HK$4,658 (+8.0%) | HK$4,658 | HK$5,124 (+10.0%) | HK$5,380 (+5.0%) | +4.58% |
| 25 | HK$4,295 | HK$4,295 | HK$4,639 (+8.0%) | HK$5,011 (+8.0%) | HK$5,011 | HK$5,512 (+10.0%) | HK$5,650 (+2.5%) | +4.21% |
| 30 | HK$4,999 | HK$4,999 | HK$5,399 (+8.0%) | HK$5,831 (+8.0%) | HK$5,831 | HK$6,414 (+10.0%) | HK$6,414 | +3.82% |
| 35 | HK$5,577 | HK$5,577 | HK$6,024 (+8.0%) | HK$6,506 (+8.0%) | HK$6,506 | HK$7,157 (+10.0%) | HK$7,193 (+0.5%) | +3.90% |
| 40 | HK$6,242 | HK$6,242 | HK$6,740 (+8.0%) | HK$7,280 (+8.0%) | HK$7,280 | HK$8,008 (+10.0%) | HK$8,088 (+1.0%) | +3.97% |
| 45 | HK$7,596 | HK$7,596 | HK$8,204 (+8.0%) | HK$8,860 (+8.0%) | HK$8,860 | HK$9,745 (+10.0%) | HK$9,818 (+0.7%) | +3.93% |
| 50 | HK$9,744 | HK$9,744 | HK$10,524 (+8.0%) | HK$11,365 (+8.0%) | HK$11,365 | HK$12,502 (+10.0%) | HK$12,565 (+0.5%) | +3.90% |
| 55 | HK$12,638 | HK$12,638 | HK$13,649 (+8.0%) | HK$14,740 (+8.0%) | HK$14,740 | HK$16,214 (+10.0%) | HK$16,336 (+0.8%) | +3.93% |
| 60 | HK$16,813 | HK$16,813 | HK$18,158 (+8.0%) | HK$19,611 (+8.0%) | HK$19,611 | HK$21,571 (+10.0%) | HK$21,787 (+1.0%) | +3.97% |
| 65 | HK$22,915 | HK$22,915 | HK$24,749 (+8.0%) | HK$26,729 (+8.0%) | HK$26,729 | HK$29,401 (+10.0%) | HK$30,283 (+3.0%) | +4.28% |
| 70 | HK$29,811 | HK$29,811 | HK$32,195 (+8.0%) | HK$34,771 (+8.0%) | HK$34,771 | HK$38,249 (+10.0%) | HK$40,161 (+5.0%) | +4.58% |
| 75 | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.58% |
| 80 | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.58% |
| 85 | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.58% |
| 90 | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.58% |
| 95 | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.58% |
| 99 | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$6,274
5 y/oHK$3,883
10 y/oHK$3,444
15 y/oHK$3,521
20 y/oHK$3,994
25 y/oHK$4,295
30 y/oHK$4,999
35 y/oHK$5,577
40 y/oHK$6,242
45 y/oHK$7,596
50 y/oHK$9,744
55 y/oHK$12,638
60 y/oHK$16,813
65 y/oHK$22,915
70 y/oHK$29,811
75 y/oHK$31,208
80 y/oHK$31,208
85 y/oHK$31,208
90 y/oHK$31,208
95 y/oHK$31,208
99 y/oHK$31,208
0.0%
All-ages avg
0 y/oHK$6,274
5 y/oHK$3,883
10 y/oHK$3,444
15 y/oHK$3,521
20 y/oHK$3,994
25 y/oHK$4,295
30 y/oHK$4,999
35 y/oHK$5,577
40 y/oHK$6,242
45 y/oHK$7,596
50 y/oHK$9,744
55 y/oHK$12,638
60 y/oHK$16,813
65 y/oHK$22,915
70 y/oHK$29,811
75 y/oHK$31,208
80 y/oHK$31,208
85 y/oHK$31,208
90 y/oHK$31,208
95 y/oHK$31,208
99 y/oHK$31,208
+8.0%
All-ages avg
0 y/oHK$6,776 (+8.0%)
5 y/oHK$4,194 (+8.0%)
10 y/oHK$3,719 (+8.0%)
15 y/oHK$3,804 (+8.0%)
20 y/oHK$4,313 (+8.0%)
25 y/oHK$4,639 (+8.0%)
30 y/oHK$5,399 (+8.0%)
35 y/oHK$6,024 (+8.0%)
40 y/oHK$6,740 (+8.0%)
45 y/oHK$8,204 (+8.0%)
50 y/oHK$10,524 (+8.0%)
55 y/oHK$13,649 (+8.0%)
60 y/oHK$18,158 (+8.0%)
65 y/oHK$24,749 (+8.0%)
70 y/oHK$32,195 (+8.0%)
75 y/oHK$33,705 (+8.0%)
80 y/oHK$33,705 (+8.0%)
85 y/oHK$33,705 (+8.0%)
90 y/oHK$33,705 (+8.0%)
95 y/oHK$33,705 (+8.0%)
99 y/oHK$33,705 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$7,318 (+8.0%)
5 y/oHK$4,530 (+8.0%)
10 y/oHK$4,017 (+8.0%)
15 y/oHK$4,108 (+8.0%)
20 y/oHK$4,658 (+8.0%)
25 y/oHK$5,011 (+8.0%)
30 y/oHK$5,831 (+8.0%)
35 y/oHK$6,506 (+8.0%)
40 y/oHK$7,280 (+8.0%)
45 y/oHK$8,860 (+8.0%)
50 y/oHK$11,365 (+8.0%)
55 y/oHK$14,740 (+8.0%)
60 y/oHK$19,611 (+8.0%)
65 y/oHK$26,729 (+8.0%)
70 y/oHK$34,771 (+8.0%)
75 y/oHK$36,401 (+8.0%)
80 y/oHK$36,401 (+8.0%)
85 y/oHK$36,401 (+8.0%)
90 y/oHK$36,401 (+8.0%)
95 y/oHK$36,401 (+8.0%)
99 y/oHK$36,401 (+8.0%)
0.0%
All-ages avg
0 y/oHK$7,318
5 y/oHK$4,530
10 y/oHK$4,017
15 y/oHK$4,108
20 y/oHK$4,658
25 y/oHK$5,011
30 y/oHK$5,831
35 y/oHK$6,506
40 y/oHK$7,280
45 y/oHK$8,860
50 y/oHK$11,365
55 y/oHK$14,740
60 y/oHK$19,611
65 y/oHK$26,729
70 y/oHK$34,771
75 y/oHK$36,401
80 y/oHK$36,401
85 y/oHK$36,401
90 y/oHK$36,401
95 y/oHK$36,401
99 y/oHK$36,401
+10.0%
All-ages avg
0 y/oHK$8,050 (+10.0%)
5 y/oHK$4,983 (+10.0%)
10 y/oHK$4,418 (+10.0%)
15 y/oHK$4,519 (+10.0%)
20 y/oHK$5,124 (+10.0%)
25 y/oHK$5,512 (+10.0%)
30 y/oHK$6,414 (+10.0%)
35 y/oHK$7,157 (+10.0%)
40 y/oHK$8,008 (+10.0%)
45 y/oHK$9,745 (+10.0%)
50 y/oHK$12,502 (+10.0%)
55 y/oHK$16,214 (+10.0%)
60 y/oHK$21,571 (+10.0%)
65 y/oHK$29,401 (+10.0%)
70 y/oHK$38,249 (+10.0%)
75 y/oHK$40,042 (+10.0%)
80 y/oHK$40,042 (+10.0%)
85 y/oHK$40,042 (+10.0%)
90 y/oHK$40,042 (+10.0%)
95 y/oHK$40,042 (+10.0%)
99 y/oHK$40,042 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$8,452 (+5.0%)
5 y/oHK$5,232 (+5.0%)
10 y/oHK$4,639 (+5.0%)
15 y/oHK$4,745 (+5.0%)
20 y/oHK$5,380 (+5.0%)
25 y/oHK$5,650 (+2.5%)
30 y/oHK$6,414
35 y/oHK$7,193 (+0.5%)
40 y/oHK$8,088 (+1.0%)
45 y/oHK$9,818 (+0.7%)
50 y/oHK$12,565 (+0.5%)
55 y/oHK$16,336 (+0.8%)
60 y/oHK$21,787 (+1.0%)
65 y/oHK$30,283 (+3.0%)
70 y/oHK$40,161 (+5.0%)
75 y/oHK$42,044 (+5.0%)
80 y/oHK$42,044 (+5.0%)
85 y/oHK$42,044 (+5.0%)
90 y/oHK$42,044 (+5.0%)
95 y/oHK$42,044 (+5.0%)
99 y/oHK$42,044 (+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+4.58%
15 y/o+4.59%
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+3.93%
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 | F00037-02-000-01 2019-08-30 | F00037-02-000-02 2021-04-01 | F00037-02-000-02 2022-11-01 | F00037-02-000-02 2023-11-23 | F00037-02-000-03 2024-07-22 | F00037-02-000-03 2024-11-23 | F00037-02-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$4,815 | HK$4,815 | HK$5,201 (+8.0%) | HK$5,618 (+8.0%) | HK$5,618 | HK$6,180 (+10.0%) | HK$6,489 (+5.0%) | +4.59% |
| 5 | HK$3,881 | HK$3,881 | HK$4,192 (+8.0%) | HK$4,527 (+8.0%) | HK$4,527 | HK$4,980 (+10.0%) | HK$5,229 (+5.0%) | +4.58% |
| 10 | HK$3,301 | HK$3,301 | HK$3,565 (+8.0%) | HK$3,851 (+8.0%) | HK$3,851 | HK$4,237 (+10.0%) | HK$4,449 (+5.0%) | +4.59% |
| 15 | HK$3,436 | HK$3,436 | HK$3,711 (+8.0%) | HK$4,007 (+8.0%) | HK$4,007 | HK$4,408 (+10.0%) | HK$4,629 (+5.0%) | +4.58% |
| 20 | HK$4,387 | HK$4,387 | HK$4,738 (+8.0%) | HK$5,117 (+8.0%) | HK$5,117 | HK$5,629 (+10.0%) | HK$5,910 (+5.0%) | +4.58% |
| 25 | HK$5,327 | HK$5,327 | HK$5,754 (+8.0%) | HK$6,214 (+8.0%) | HK$6,214 | HK$6,836 (+10.0%) | HK$7,007 (+2.5%) | +4.21% |
| 30 | HK$6,676 | HK$6,676 | HK$7,211 (+8.0%) | HK$7,788 (+8.0%) | HK$7,788 | HK$8,567 (+10.0%) | HK$8,567 | +3.82% |
| 35 | HK$7,971 | HK$7,971 | HK$8,610 (+8.0%) | HK$9,299 (+8.0%) | HK$9,299 | HK$10,229 (+10.0%) | HK$10,280 (+0.5%) | +3.90% |
| 40 | HK$9,408 | HK$9,408 | HK$10,161 (+8.0%) | HK$10,974 (+8.0%) | HK$10,974 | HK$12,071 (+10.0%) | HK$12,192 (+1.0%) | +3.97% |
| 45 | HK$10,655 | HK$10,655 | HK$11,507 (+8.0%) | HK$12,427 (+8.0%) | HK$12,427 | HK$13,670 (+10.0%) | HK$13,773 (+0.8%) | +3.94% |
| 50 | HK$11,965 | HK$11,965 | HK$12,923 (+8.0%) | HK$13,956 (+8.0%) | HK$13,956 | HK$15,351 (+10.0%) | HK$15,427 (+0.5%) | +3.90% |
| 55 | HK$13,535 | HK$13,535 | HK$14,618 (+8.0%) | HK$15,787 (+8.0%) | HK$15,787 | HK$17,365 (+10.0%) | HK$17,495 (+0.7%) | +3.93% |
| 60 | HK$15,740 | HK$15,740 | HK$17,000 (+8.0%) | HK$18,360 (+8.0%) | HK$18,360 | HK$20,195 (+10.0%) | HK$20,398 (+1.0%) | +3.98% |
| 65 | HK$21,144 | HK$21,144 | HK$22,836 (+8.0%) | HK$24,663 (+8.0%) | HK$24,663 | HK$27,130 (+10.0%) | HK$27,944 (+3.0%) | +4.28% |
| 70 | HK$27,912 | HK$27,912 | HK$30,145 (+8.0%) | HK$32,557 (+8.0%) | HK$32,557 | HK$35,813 (+10.0%) | HK$37,604 (+5.0%) | +4.58% |
| 75 | HK$29,218 | HK$29,218 | HK$31,555 (+8.0%) | HK$34,079 (+8.0%) | HK$34,079 | HK$37,487 (+10.0%) | HK$39,361 (+5.0%) | +4.58% |
| 80 | HK$29,218 | HK$29,218 | HK$31,555 (+8.0%) | HK$34,079 (+8.0%) | HK$34,079 | HK$37,487 (+10.0%) | HK$39,361 (+5.0%) | +4.58% |
| 85 | HK$29,218 | HK$29,218 | HK$31,555 (+8.0%) | HK$34,079 (+8.0%) | HK$34,079 | HK$37,487 (+10.0%) | HK$39,361 (+5.0%) | +4.58% |
| 90 | HK$29,218 | HK$29,218 | HK$31,555 (+8.0%) | HK$34,079 (+8.0%) | HK$34,079 | HK$37,487 (+10.0%) | HK$39,361 (+5.0%) | +4.58% |
| 95 | HK$29,218 | HK$29,218 | HK$31,555 (+8.0%) | HK$34,079 (+8.0%) | HK$34,079 | HK$37,487 (+10.0%) | HK$39,361 (+5.0%) | +4.58% |
| 99 | HK$29,218 | HK$29,218 | HK$31,555 (+8.0%) | HK$34,079 (+8.0%) | HK$34,079 | HK$37,487 (+10.0%) | HK$39,361 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$4,815
5 y/oHK$3,881
10 y/oHK$3,301
15 y/oHK$3,436
20 y/oHK$4,387
25 y/oHK$5,327
30 y/oHK$6,676
35 y/oHK$7,971
40 y/oHK$9,408
45 y/oHK$10,655
50 y/oHK$11,965
55 y/oHK$13,535
60 y/oHK$15,740
65 y/oHK$21,144
70 y/oHK$27,912
75 y/oHK$29,218
80 y/oHK$29,218
85 y/oHK$29,218
90 y/oHK$29,218
95 y/oHK$29,218
99 y/oHK$29,218
0.0%
All-ages avg
0 y/oHK$4,815
5 y/oHK$3,881
10 y/oHK$3,301
15 y/oHK$3,436
20 y/oHK$4,387
25 y/oHK$5,327
30 y/oHK$6,676
35 y/oHK$7,971
40 y/oHK$9,408
45 y/oHK$10,655
50 y/oHK$11,965
55 y/oHK$13,535
60 y/oHK$15,740
65 y/oHK$21,144
70 y/oHK$27,912
75 y/oHK$29,218
80 y/oHK$29,218
85 y/oHK$29,218
90 y/oHK$29,218
95 y/oHK$29,218
99 y/oHK$29,218
+8.0%
All-ages avg
0 y/oHK$5,201 (+8.0%)
5 y/oHK$4,192 (+8.0%)
10 y/oHK$3,565 (+8.0%)
15 y/oHK$3,711 (+8.0%)
20 y/oHK$4,738 (+8.0%)
25 y/oHK$5,754 (+8.0%)
30 y/oHK$7,211 (+8.0%)
35 y/oHK$8,610 (+8.0%)
40 y/oHK$10,161 (+8.0%)
45 y/oHK$11,507 (+8.0%)
50 y/oHK$12,923 (+8.0%)
55 y/oHK$14,618 (+8.0%)
60 y/oHK$17,000 (+8.0%)
65 y/oHK$22,836 (+8.0%)
70 y/oHK$30,145 (+8.0%)
75 y/oHK$31,555 (+8.0%)
80 y/oHK$31,555 (+8.0%)
85 y/oHK$31,555 (+8.0%)
90 y/oHK$31,555 (+8.0%)
95 y/oHK$31,555 (+8.0%)
99 y/oHK$31,555 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$5,618 (+8.0%)
5 y/oHK$4,527 (+8.0%)
10 y/oHK$3,851 (+8.0%)
15 y/oHK$4,007 (+8.0%)
20 y/oHK$5,117 (+8.0%)
25 y/oHK$6,214 (+8.0%)
30 y/oHK$7,788 (+8.0%)
35 y/oHK$9,299 (+8.0%)
40 y/oHK$10,974 (+8.0%)
45 y/oHK$12,427 (+8.0%)
50 y/oHK$13,956 (+8.0%)
55 y/oHK$15,787 (+8.0%)
60 y/oHK$18,360 (+8.0%)
65 y/oHK$24,663 (+8.0%)
70 y/oHK$32,557 (+8.0%)
75 y/oHK$34,079 (+8.0%)
80 y/oHK$34,079 (+8.0%)
85 y/oHK$34,079 (+8.0%)
90 y/oHK$34,079 (+8.0%)
95 y/oHK$34,079 (+8.0%)
99 y/oHK$34,079 (+8.0%)
0.0%
All-ages avg
0 y/oHK$5,618
5 y/oHK$4,527
10 y/oHK$3,851
15 y/oHK$4,007
20 y/oHK$5,117
25 y/oHK$6,214
30 y/oHK$7,788
35 y/oHK$9,299
40 y/oHK$10,974
45 y/oHK$12,427
50 y/oHK$13,956
55 y/oHK$15,787
60 y/oHK$18,360
65 y/oHK$24,663
70 y/oHK$32,557
75 y/oHK$34,079
80 y/oHK$34,079
85 y/oHK$34,079
90 y/oHK$34,079
95 y/oHK$34,079
99 y/oHK$34,079
+10.0%
All-ages avg
0 y/oHK$6,180 (+10.0%)
5 y/oHK$4,980 (+10.0%)
10 y/oHK$4,237 (+10.0%)
15 y/oHK$4,408 (+10.0%)
20 y/oHK$5,629 (+10.0%)
25 y/oHK$6,836 (+10.0%)
30 y/oHK$8,567 (+10.0%)
35 y/oHK$10,229 (+10.0%)
40 y/oHK$12,071 (+10.0%)
45 y/oHK$13,670 (+10.0%)
50 y/oHK$15,351 (+10.0%)
55 y/oHK$17,365 (+10.0%)
60 y/oHK$20,195 (+10.0%)
65 y/oHK$27,130 (+10.0%)
70 y/oHK$35,813 (+10.0%)
75 y/oHK$37,487 (+10.0%)
80 y/oHK$37,487 (+10.0%)
85 y/oHK$37,487 (+10.0%)
90 y/oHK$37,487 (+10.0%)
95 y/oHK$37,487 (+10.0%)
99 y/oHK$37,487 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$6,489 (+5.0%)
5 y/oHK$5,229 (+5.0%)
10 y/oHK$4,449 (+5.0%)
15 y/oHK$4,629 (+5.0%)
20 y/oHK$5,910 (+5.0%)
25 y/oHK$7,007 (+2.5%)
30 y/oHK$8,567
35 y/oHK$10,280 (+0.5%)
40 y/oHK$12,192 (+1.0%)
45 y/oHK$13,773 (+0.8%)
50 y/oHK$15,427 (+0.5%)
55 y/oHK$17,495 (+0.7%)
60 y/oHK$20,398 (+1.0%)
65 y/oHK$27,944 (+3.0%)
70 y/oHK$37,604 (+5.0%)
75 y/oHK$39,361 (+5.0%)
80 y/oHK$39,361 (+5.0%)
85 y/oHK$39,361 (+5.0%)
90 y/oHK$39,361 (+5.0%)
95 y/oHK$39,361 (+5.0%)
99 y/oHK$39,361 (+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+4.58%
10 y/o+4.59%
15 y/o+4.58%
20 y/o+4.58%
25 y/o+4.21%
30 y/o+3.82%
35 y/o+3.90%
40 y/o+3.97%
45 y/o+3.94%
50 y/o+3.90%
55 y/o+3.93%
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
USD
Male
| Age | F00037-06-000-01 2019-08-30 | F00037-06-000-02 2021-04-01 | F00037-06-000-02 2022-11-01 | F00037-06-000-02 2023-11-23 | F00037-06-000-03 2024-07-22 | F00037-06-000-03 2024-11-23 | F00037-06-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | US$810 | US$810 | US$874 (+7.9%) | US$944 (+8.0%) | US$944 | US$1,039 (+10.1%) | US$1,090 (+4.9%) | +4.57% |
| 5 | US$501 | US$501 | US$542 (+8.2%) | US$585 (+7.9%) | US$585 | US$643 (+9.9%) | US$675 (+5.0%) | +4.58% |
| 10 | US$444 | US$444 | US$480 (+8.1%) | US$518 (+7.9%) | US$518 | US$570 (+10.0%) | US$599 (+5.1%) | +4.61% |
| 15 | US$455 | US$455 | US$490 (+7.7%) | US$530 (+8.2%) | US$530 | US$583 (+10.0%) | US$612 (+5.0%) | +4.56% |
| 20 | US$515 | US$515 | US$556 (+8.0%) | US$601 (+8.1%) | US$601 | US$661 (+10.0%) | US$694 (+5.0%) | +4.59% |
| 25 | US$555 | US$555 | US$599 (+7.9%) | US$646 (+7.8%) | US$646 | US$711 (+10.1%) | US$729 (+2.5%) | +4.19% |
| 30 | US$645 | US$645 | US$696 (+7.9%) | US$752 (+8.0%) | US$752 | US$827 (+10.0%) | US$827 | +3.81% |
| 35 | US$720 | US$720 | US$777 (+7.9%) | US$839 (+8.0%) | US$839 | US$924 (+10.1%) | US$929 (+0.5%) | +3.91% |
| 40 | US$806 | US$806 | US$870 (+7.9%) | US$939 (+7.9%) | US$939 | US$1,033 (+10.0%) | US$1,044 (+1.1%) | +3.97% |
| 45 | US$980 | US$980 | US$1,058 (+8.0%) | US$1,143 (+8.0%) | US$1,143 | US$1,257 (+10.0%) | US$1,267 (+0.8%) | +3.94% |
| 50 | US$1,257 | US$1,257 | US$1,358 (+8.0%) | US$1,467 (+8.0%) | US$1,467 | US$1,613 (+10.0%) | US$1,621 (+0.5%) | +3.90% |
| 55 | US$1,631 | US$1,631 | US$1,761 (+8.0%) | US$1,902 (+8.0%) | US$1,902 | US$2,092 (+10.0%) | US$2,108 (+0.8%) | +3.93% |
| 60 | US$2,169 | US$2,169 | US$2,343 (+8.0%) | US$2,531 (+8.0%) | US$2,531 | US$2,783 (+10.0%) | US$2,811 (+1.0%) | +3.98% |
| 65 | US$2,957 | US$2,957 | US$3,193 (+8.0%) | US$3,449 (+8.0%) | US$3,449 | US$3,794 (+10.0%) | US$3,907 (+3.0%) | +4.28% |
| 70 | US$3,846 | US$3,846 | US$4,155 (+8.0%) | US$4,487 (+8.0%) | US$4,487 | US$4,936 (+10.0%) | US$5,182 (+5.0%) | +4.59% |
| 75 | US$4,027 | US$4,027 | US$4,349 (+8.0%) | US$4,696 (+8.0%) | US$4,696 | US$5,167 (+10.0%) | US$5,425 (+5.0%) | +4.58% |
| 80 | US$4,027 | US$4,027 | US$4,349 (+8.0%) | US$4,696 (+8.0%) | US$4,696 | US$5,167 (+10.0%) | US$5,425 (+5.0%) | +4.58% |
| 85 | US$4,027 | US$4,027 | US$4,349 (+8.0%) | US$4,696 (+8.0%) | US$4,696 | US$5,167 (+10.0%) | US$5,425 (+5.0%) | +4.58% |
| 90 | US$4,027 | US$4,027 | US$4,349 (+8.0%) | US$4,696 (+8.0%) | US$4,696 | US$5,167 (+10.0%) | US$5,425 (+5.0%) | +4.58% |
| 95 | US$4,027 | US$4,027 | US$4,349 (+8.0%) | US$4,696 (+8.0%) | US$4,696 | US$5,167 (+10.0%) | US$5,425 (+5.0%) | +4.58% |
| 99 | US$4,027 | US$4,027 | US$4,349 (+8.0%) | US$4,696 (+8.0%) | US$4,696 | US$5,167 (+10.0%) | US$5,425 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oUS$810
5 y/oUS$501
10 y/oUS$444
15 y/oUS$455
20 y/oUS$515
25 y/oUS$555
30 y/oUS$645
35 y/oUS$720
40 y/oUS$806
45 y/oUS$980
50 y/oUS$1,257
55 y/oUS$1,631
60 y/oUS$2,169
65 y/oUS$2,957
70 y/oUS$3,846
75 y/oUS$4,027
80 y/oUS$4,027
85 y/oUS$4,027
90 y/oUS$4,027
95 y/oUS$4,027
99 y/oUS$4,027
0.0%
All-ages avg
0 y/oUS$810
5 y/oUS$501
10 y/oUS$444
15 y/oUS$455
20 y/oUS$515
25 y/oUS$555
30 y/oUS$645
35 y/oUS$720
40 y/oUS$806
45 y/oUS$980
50 y/oUS$1,257
55 y/oUS$1,631
60 y/oUS$2,169
65 y/oUS$2,957
70 y/oUS$3,846
75 y/oUS$4,027
80 y/oUS$4,027
85 y/oUS$4,027
90 y/oUS$4,027
95 y/oUS$4,027
99 y/oUS$4,027
+8.0%
All-ages avg
0 y/oUS$874 (+7.9%)
5 y/oUS$542 (+8.2%)
10 y/oUS$480 (+8.1%)
15 y/oUS$490 (+7.7%)
20 y/oUS$556 (+8.0%)
25 y/oUS$599 (+7.9%)
30 y/oUS$696 (+7.9%)
35 y/oUS$777 (+7.9%)
40 y/oUS$870 (+7.9%)
45 y/oUS$1,058 (+8.0%)
50 y/oUS$1,358 (+8.0%)
55 y/oUS$1,761 (+8.0%)
60 y/oUS$2,343 (+8.0%)
65 y/oUS$3,193 (+8.0%)
70 y/oUS$4,155 (+8.0%)
75 y/oUS$4,349 (+8.0%)
80 y/oUS$4,349 (+8.0%)
85 y/oUS$4,349 (+8.0%)
90 y/oUS$4,349 (+8.0%)
95 y/oUS$4,349 (+8.0%)
99 y/oUS$4,349 (+8.0%)
+8.0%
All-ages avg
0 y/oUS$944 (+8.0%)
5 y/oUS$585 (+7.9%)
10 y/oUS$518 (+7.9%)
15 y/oUS$530 (+8.2%)
20 y/oUS$601 (+8.1%)
25 y/oUS$646 (+7.8%)
30 y/oUS$752 (+8.0%)
35 y/oUS$839 (+8.0%)
40 y/oUS$939 (+7.9%)
45 y/oUS$1,143 (+8.0%)
50 y/oUS$1,467 (+8.0%)
55 y/oUS$1,902 (+8.0%)
60 y/oUS$2,531 (+8.0%)
65 y/oUS$3,449 (+8.0%)
70 y/oUS$4,487 (+8.0%)
75 y/oUS$4,696 (+8.0%)
80 y/oUS$4,696 (+8.0%)
85 y/oUS$4,696 (+8.0%)
90 y/oUS$4,696 (+8.0%)
95 y/oUS$4,696 (+8.0%)
99 y/oUS$4,696 (+8.0%)
0.0%
All-ages avg
0 y/oUS$944
5 y/oUS$585
10 y/oUS$518
15 y/oUS$530
20 y/oUS$601
25 y/oUS$646
30 y/oUS$752
35 y/oUS$839
40 y/oUS$939
45 y/oUS$1,143
50 y/oUS$1,467
55 y/oUS$1,902
60 y/oUS$2,531
65 y/oUS$3,449
70 y/oUS$4,487
75 y/oUS$4,696
80 y/oUS$4,696
85 y/oUS$4,696
90 y/oUS$4,696
95 y/oUS$4,696
99 y/oUS$4,696
+10.0%
All-ages avg
0 y/oUS$1,039 (+10.1%)
5 y/oUS$643 (+9.9%)
10 y/oUS$570 (+10.0%)
15 y/oUS$583 (+10.0%)
20 y/oUS$661 (+10.0%)
25 y/oUS$711 (+10.1%)
30 y/oUS$827 (+10.0%)
35 y/oUS$924 (+10.1%)
40 y/oUS$1,033 (+10.0%)
45 y/oUS$1,257 (+10.0%)
50 y/oUS$1,613 (+10.0%)
55 y/oUS$2,092 (+10.0%)
60 y/oUS$2,783 (+10.0%)
65 y/oUS$3,794 (+10.0%)
70 y/oUS$4,936 (+10.0%)
75 y/oUS$5,167 (+10.0%)
80 y/oUS$5,167 (+10.0%)
85 y/oUS$5,167 (+10.0%)
90 y/oUS$5,167 (+10.0%)
95 y/oUS$5,167 (+10.0%)
99 y/oUS$5,167 (+10.0%)
+3.3%
All-ages avg
0 y/oUS$1,090 (+4.9%)
5 y/oUS$675 (+5.0%)
10 y/oUS$599 (+5.1%)
15 y/oUS$612 (+5.0%)
20 y/oUS$694 (+5.0%)
25 y/oUS$729 (+2.5%)
30 y/oUS$827
35 y/oUS$929 (+0.5%)
40 y/oUS$1,044 (+1.1%)
45 y/oUS$1,267 (+0.8%)
50 y/oUS$1,621 (+0.5%)
55 y/oUS$2,108 (+0.8%)
60 y/oUS$2,811 (+1.0%)
65 y/oUS$3,907 (+3.0%)
70 y/oUS$5,182 (+5.0%)
75 y/oUS$5,425 (+5.0%)
80 y/oUS$5,425 (+5.0%)
85 y/oUS$5,425 (+5.0%)
90 y/oUS$5,425 (+5.0%)
95 y/oUS$5,425 (+5.0%)
99 y/oUS$5,425 (+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+4.57%
5 y/o+4.58%
10 y/o+4.61%
15 y/o+4.56%
20 y/o+4.59%
25 y/o+4.19%
30 y/o+3.81%
35 y/o+3.91%
40 y/o+3.97%
45 y/o+3.94%
50 y/o+3.90%
55 y/o+3.93%
60 y/o+3.98%
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 | F00037-06-000-01 2019-08-30 | F00037-06-000-02 2021-04-01 | F00037-06-000-02 2022-11-01 | F00037-06-000-02 2023-11-23 | F00037-06-000-03 2024-07-22 | F00037-06-000-03 2024-11-23 | F00037-06-000-03 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | US$621 | US$621 | US$671 (+8.1%) | US$725 (+8.0%) | US$725 | US$798 (+10.1%) | US$837 (+4.9%) | +4.59% |
| 5 | US$501 | US$501 | US$540 (+7.8%) | US$585 (+8.3%) | US$585 | US$643 (+9.9%) | US$675 (+5.0%) | +4.58% |
| 10 | US$426 | US$426 | US$460 (+8.0%) | US$496 (+7.8%) | US$496 | US$546 (+10.1%) | US$574 (+5.1%) | +4.59% |
| 15 | US$443 | US$443 | US$479 (+8.1%) | US$517 (+7.9%) | US$517 | US$569 (+10.1%) | US$598 (+5.1%) | +4.61% |
| 20 | US$565 | US$565 | US$612 (+8.3%) | US$661 (+8.0%) | US$661 | US$726 (+9.8%) | US$763 (+5.1%) | +4.62% |
| 25 | US$687 | US$687 | US$743 (+8.2%) | US$802 (+7.9%) | US$802 | US$882 (+10.0%) | US$904 (+2.5%) | +4.21% |
| 30 | US$862 | US$862 | US$931 (+8.0%) | US$1,005 (+7.9%) | US$1,005 | US$1,106 (+10.0%) | US$1,106 | +3.82% |
| 35 | US$1,029 | US$1,029 | US$1,111 (+8.0%) | US$1,200 (+8.0%) | US$1,200 | US$1,320 (+10.0%) | US$1,326 (+0.5%) | +3.89% |
| 40 | US$1,214 | US$1,214 | US$1,311 (+8.0%) | US$1,415 (+7.9%) | US$1,415 | US$1,557 (+10.0%) | US$1,573 (+1.0%) | +3.97% |
| 45 | US$1,375 | US$1,375 | US$1,485 (+8.0%) | US$1,604 (+8.0%) | US$1,604 | US$1,764 (+10.0%) | US$1,777 (+0.7%) | +3.93% |
| 50 | US$1,544 | US$1,544 | US$1,668 (+8.0%) | US$1,801 (+8.0%) | US$1,801 | US$1,981 (+10.0%) | US$1,990 (+0.5%) | +3.89% |
| 55 | US$1,746 | US$1,746 | US$1,886 (+8.0%) | US$2,037 (+8.0%) | US$2,037 | US$2,240 (+10.0%) | US$2,257 (+0.8%) | +3.94% |
| 60 | US$2,031 | US$2,031 | US$2,194 (+8.0%) | US$2,369 (+8.0%) | US$2,369 | US$2,606 (+10.0%) | US$2,632 (+1.0%) | +3.97% |
| 65 | US$2,729 | US$2,729 | US$2,946 (+8.0%) | US$3,182 (+8.0%) | US$3,182 | US$3,501 (+10.0%) | US$3,606 (+3.0%) | +4.28% |
| 70 | US$3,601 | US$3,601 | US$3,889 (+8.0%) | US$4,201 (+8.0%) | US$4,201 | US$4,621 (+10.0%) | US$4,852 (+5.0%) | +4.59% |
| 75 | US$3,770 | US$3,770 | US$4,071 (+8.0%) | US$4,398 (+8.0%) | US$4,398 | US$4,837 (+10.0%) | US$5,079 (+5.0%) | +4.58% |
| 80 | US$3,770 | US$3,770 | US$4,071 (+8.0%) | US$4,398 (+8.0%) | US$4,398 | US$4,837 (+10.0%) | US$5,079 (+5.0%) | +4.58% |
| 85 | US$3,770 | US$3,770 | US$4,071 (+8.0%) | US$4,398 (+8.0%) | US$4,398 | US$4,837 (+10.0%) | US$5,079 (+5.0%) | +4.58% |
| 90 | US$3,770 | US$3,770 | US$4,071 (+8.0%) | US$4,398 (+8.0%) | US$4,398 | US$4,837 (+10.0%) | US$5,079 (+5.0%) | +4.58% |
| 95 | US$3,770 | US$3,770 | US$4,071 (+8.0%) | US$4,398 (+8.0%) | US$4,398 | US$4,837 (+10.0%) | US$5,079 (+5.0%) | +4.58% |
| 99 | US$3,770 | US$3,770 | US$4,071 (+8.0%) | US$4,398 (+8.0%) | US$4,398 | US$4,837 (+10.0%) | US$5,079 (+5.0%) | +4.58% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oUS$621
5 y/oUS$501
10 y/oUS$426
15 y/oUS$443
20 y/oUS$565
25 y/oUS$687
30 y/oUS$862
35 y/oUS$1,029
40 y/oUS$1,214
45 y/oUS$1,375
50 y/oUS$1,544
55 y/oUS$1,746
60 y/oUS$2,031
65 y/oUS$2,729
70 y/oUS$3,601
75 y/oUS$3,770
80 y/oUS$3,770
85 y/oUS$3,770
90 y/oUS$3,770
95 y/oUS$3,770
99 y/oUS$3,770
0.0%
All-ages avg
0 y/oUS$621
5 y/oUS$501
10 y/oUS$426
15 y/oUS$443
20 y/oUS$565
25 y/oUS$687
30 y/oUS$862
35 y/oUS$1,029
40 y/oUS$1,214
45 y/oUS$1,375
50 y/oUS$1,544
55 y/oUS$1,746
60 y/oUS$2,031
65 y/oUS$2,729
70 y/oUS$3,601
75 y/oUS$3,770
80 y/oUS$3,770
85 y/oUS$3,770
90 y/oUS$3,770
95 y/oUS$3,770
99 y/oUS$3,770
+8.0%
All-ages avg
0 y/oUS$671 (+8.1%)
5 y/oUS$540 (+7.8%)
10 y/oUS$460 (+8.0%)
15 y/oUS$479 (+8.1%)
20 y/oUS$612 (+8.3%)
25 y/oUS$743 (+8.2%)
30 y/oUS$931 (+8.0%)
35 y/oUS$1,111 (+8.0%)
40 y/oUS$1,311 (+8.0%)
45 y/oUS$1,485 (+8.0%)
50 y/oUS$1,668 (+8.0%)
55 y/oUS$1,886 (+8.0%)
60 y/oUS$2,194 (+8.0%)
65 y/oUS$2,946 (+8.0%)
70 y/oUS$3,889 (+8.0%)
75 y/oUS$4,071 (+8.0%)
80 y/oUS$4,071 (+8.0%)
85 y/oUS$4,071 (+8.0%)
90 y/oUS$4,071 (+8.0%)
95 y/oUS$4,071 (+8.0%)
99 y/oUS$4,071 (+8.0%)
+8.0%
All-ages avg
0 y/oUS$725 (+8.0%)
5 y/oUS$585 (+8.3%)
10 y/oUS$496 (+7.8%)
15 y/oUS$517 (+7.9%)
20 y/oUS$661 (+8.0%)
25 y/oUS$802 (+7.9%)
30 y/oUS$1,005 (+7.9%)
35 y/oUS$1,200 (+8.0%)
40 y/oUS$1,415 (+7.9%)
45 y/oUS$1,604 (+8.0%)
50 y/oUS$1,801 (+8.0%)
55 y/oUS$2,037 (+8.0%)
60 y/oUS$2,369 (+8.0%)
65 y/oUS$3,182 (+8.0%)
70 y/oUS$4,201 (+8.0%)
75 y/oUS$4,398 (+8.0%)
80 y/oUS$4,398 (+8.0%)
85 y/oUS$4,398 (+8.0%)
90 y/oUS$4,398 (+8.0%)
95 y/oUS$4,398 (+8.0%)
99 y/oUS$4,398 (+8.0%)
0.0%
All-ages avg
0 y/oUS$725
5 y/oUS$585
10 y/oUS$496
15 y/oUS$517
20 y/oUS$661
25 y/oUS$802
30 y/oUS$1,005
35 y/oUS$1,200
40 y/oUS$1,415
45 y/oUS$1,604
50 y/oUS$1,801
55 y/oUS$2,037
60 y/oUS$2,369
65 y/oUS$3,182
70 y/oUS$4,201
75 y/oUS$4,398
80 y/oUS$4,398
85 y/oUS$4,398
90 y/oUS$4,398
95 y/oUS$4,398
99 y/oUS$4,398
+10.0%
All-ages avg
0 y/oUS$798 (+10.1%)
5 y/oUS$643 (+9.9%)
10 y/oUS$546 (+10.1%)
15 y/oUS$569 (+10.1%)
20 y/oUS$726 (+9.8%)
25 y/oUS$882 (+10.0%)
30 y/oUS$1,106 (+10.0%)
35 y/oUS$1,320 (+10.0%)
40 y/oUS$1,557 (+10.0%)
45 y/oUS$1,764 (+10.0%)
50 y/oUS$1,981 (+10.0%)
55 y/oUS$2,240 (+10.0%)
60 y/oUS$2,606 (+10.0%)
65 y/oUS$3,501 (+10.0%)
70 y/oUS$4,621 (+10.0%)
75 y/oUS$4,837 (+10.0%)
80 y/oUS$4,837 (+10.0%)
85 y/oUS$4,837 (+10.0%)
90 y/oUS$4,837 (+10.0%)
95 y/oUS$4,837 (+10.0%)
99 y/oUS$4,837 (+10.0%)
+3.3%
All-ages avg
0 y/oUS$837 (+4.9%)
5 y/oUS$675 (+5.0%)
10 y/oUS$574 (+5.1%)
15 y/oUS$598 (+5.1%)
20 y/oUS$763 (+5.1%)
25 y/oUS$904 (+2.5%)
30 y/oUS$1,106
35 y/oUS$1,326 (+0.5%)
40 y/oUS$1,573 (+1.0%)
45 y/oUS$1,777 (+0.7%)
50 y/oUS$1,990 (+0.5%)
55 y/oUS$2,257 (+0.8%)
60 y/oUS$2,632 (+1.0%)
65 y/oUS$3,606 (+3.0%)
70 y/oUS$4,852 (+5.0%)
75 y/oUS$5,079 (+5.0%)
80 y/oUS$5,079 (+5.0%)
85 y/oUS$5,079 (+5.0%)
90 y/oUS$5,079 (+5.0%)
95 y/oUS$5,079 (+5.0%)
99 y/oUS$5,079 (+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+4.58%
10 y/o+4.59%
15 y/o+4.61%
20 y/o+4.62%
25 y/o+4.21%
30 y/o+3.82%
35 y/o+3.89%
40 y/o+3.97%
45 y/o+3.93%
50 y/o+3.89%
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