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Health Essential Medical Plan - Standard
「摯健樂」醫療計劃 – 基本
Hong Kong Life Insurance Limited · S00037-01-000 · 4 versions · Standard plan · Avg. annual increase +2.80%
Male
| Age | S00037-01-000-01 2019-07-17 | S00037-01-000-02 2020-10-12 | S00037-01-000-02 2024-08-26 | S00037-01-000-02 2025-09-29 | Avg. annual increase |
|---|---|---|---|---|---|
| 0 | HK$3,546 | HK$3,546 | HK$4,078 (+15.0%) | HK$4,282 (+5.0%) | +2.81% |
| 5 | HK$2,078 | HK$2,078 | HK$2,390 (+15.0%) | HK$2,510 (+5.0%) | +2.81% |
| 10 | HK$1,505 | HK$1,505 | HK$1,731 (+15.0%) | HK$1,818 (+5.0%) | +2.81% |
| 15 | HK$1,402 | HK$1,402 | HK$1,612 (+15.0%) | HK$1,693 (+5.0%) | +2.81% |
| 20 | HK$1,530 | HK$1,530 | HK$1,760 (+15.0%) | HK$1,848 (+5.0%) | +2.81% |
| 25 | HK$1,799 | HK$1,799 | HK$2,069 (+15.0%) | HK$2,172 (+5.0%) | +2.80% |
| 30 | HK$2,127 | HK$2,127 | HK$2,446 (+15.0%) | HK$2,568 (+5.0%) | +2.80% |
| 35 | HK$2,428 | HK$2,428 | HK$2,792 (+15.0%) | HK$2,932 (+5.0%) | +2.81% |
| 40 | HK$2,824 | HK$2,824 | HK$3,248 (+15.0%) | HK$3,410 (+5.0%) | +2.80% |
| 45 | HK$3,440 | HK$3,440 | HK$3,956 (+15.0%) | HK$4,154 (+5.0%) | +2.81% |
| 50 | HK$4,434 | HK$4,434 | HK$5,099 (+15.0%) | HK$5,354 (+5.0%) | +2.80% |
| 55 | HK$5,974 | HK$5,974 | HK$6,870 (+15.0%) | HK$7,214 (+5.0%) | +2.81% |
| 60 | HK$7,696 | HK$7,696 | HK$8,850 (+15.0%) | HK$9,293 (+5.0%) | +2.80% |
| 65 | HK$9,806 | HK$9,806 | HK$11,277 (+15.0%) | HK$11,841 (+5.0%) | +2.80% |
| 70 | HK$12,175 | HK$12,175 | HK$14,001 (+15.0%) | HK$14,701 (+5.0%) | +2.80% |
| 75 | HK$14,387 | HK$14,387 | HK$16,545 (+15.0%) | HK$17,372 (+5.0%) | +2.80% |
| 80 | HK$16,852 | HK$16,852 | HK$19,380 (+15.0%) | HK$20,349 (+5.0%) | +2.80% |
| 85 | HK$19,546 | HK$19,546 | HK$22,478 (+15.0%) | HK$23,602 (+5.0%) | +2.80% |
| 90 | HK$21,112 | HK$21,112 | HK$24,279 (+15.0%) | HK$25,493 (+5.0%) | +2.80% |
| 95 | HK$23,502 | HK$23,502 | HK$27,027 (+15.0%) | HK$28,378 (+5.0%) | +2.80% |
| 99 | HK$25,646 | HK$25,646 | HK$29,493 (+15.0%) | HK$30,968 (+5.0%) | +2.80% |
| All ages average | — | 0.0% | +15.0% | +5.0% | — |
0 y/oHK$3,546
5 y/oHK$2,078
10 y/oHK$1,505
15 y/oHK$1,402
20 y/oHK$1,530
25 y/oHK$1,799
30 y/oHK$2,127
35 y/oHK$2,428
40 y/oHK$2,824
45 y/oHK$3,440
50 y/oHK$4,434
55 y/oHK$5,974
60 y/oHK$7,696
65 y/oHK$9,806
70 y/oHK$12,175
75 y/oHK$14,387
80 y/oHK$16,852
85 y/oHK$19,546
90 y/oHK$21,112
95 y/oHK$23,502
99 y/oHK$25,646
0.0%
All-ages avg
0 y/oHK$3,546
5 y/oHK$2,078
10 y/oHK$1,505
15 y/oHK$1,402
20 y/oHK$1,530
25 y/oHK$1,799
30 y/oHK$2,127
35 y/oHK$2,428
40 y/oHK$2,824
45 y/oHK$3,440
50 y/oHK$4,434
55 y/oHK$5,974
60 y/oHK$7,696
65 y/oHK$9,806
70 y/oHK$12,175
75 y/oHK$14,387
80 y/oHK$16,852
85 y/oHK$19,546
90 y/oHK$21,112
95 y/oHK$23,502
99 y/oHK$25,646
+15.0%
All-ages avg
0 y/oHK$4,078 (+15.0%)
5 y/oHK$2,390 (+15.0%)
10 y/oHK$1,731 (+15.0%)
15 y/oHK$1,612 (+15.0%)
20 y/oHK$1,760 (+15.0%)
25 y/oHK$2,069 (+15.0%)
30 y/oHK$2,446 (+15.0%)
35 y/oHK$2,792 (+15.0%)
40 y/oHK$3,248 (+15.0%)
45 y/oHK$3,956 (+15.0%)
50 y/oHK$5,099 (+15.0%)
55 y/oHK$6,870 (+15.0%)
60 y/oHK$8,850 (+15.0%)
65 y/oHK$11,277 (+15.0%)
70 y/oHK$14,001 (+15.0%)
75 y/oHK$16,545 (+15.0%)
80 y/oHK$19,380 (+15.0%)
85 y/oHK$22,478 (+15.0%)
90 y/oHK$24,279 (+15.0%)
95 y/oHK$27,027 (+15.0%)
99 y/oHK$29,493 (+15.0%)
+5.0%
All-ages avg
0 y/oHK$4,282 (+5.0%)
5 y/oHK$2,510 (+5.0%)
10 y/oHK$1,818 (+5.0%)
15 y/oHK$1,693 (+5.0%)
20 y/oHK$1,848 (+5.0%)
25 y/oHK$2,172 (+5.0%)
30 y/oHK$2,568 (+5.0%)
35 y/oHK$2,932 (+5.0%)
40 y/oHK$3,410 (+5.0%)
45 y/oHK$4,154 (+5.0%)
50 y/oHK$5,354 (+5.0%)
55 y/oHK$7,214 (+5.0%)
60 y/oHK$9,293 (+5.0%)
65 y/oHK$11,841 (+5.0%)
70 y/oHK$14,701 (+5.0%)
75 y/oHK$17,372 (+5.0%)
80 y/oHK$20,349 (+5.0%)
85 y/oHK$23,602 (+5.0%)
90 y/oHK$25,493 (+5.0%)
95 y/oHK$28,378 (+5.0%)
99 y/oHK$30,968 (+5.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+2.81%
5 y/o+2.81%
10 y/o+2.81%
15 y/o+2.81%
20 y/o+2.81%
25 y/o+2.80%
30 y/o+2.80%
35 y/o+2.81%
40 y/o+2.80%
45 y/o+2.81%
50 y/o+2.80%
55 y/o+2.81%
60 y/o+2.80%
65 y/o+2.80%
70 y/o+2.80%
75 y/o+2.80%
80 y/o+2.80%
85 y/o+2.80%
90 y/o+2.80%
95 y/o+2.80%
99 y/o+2.80%
Each cell shows the premium amount, with the change vs. previous version in parentheses. The first version shows only the baseline premium. The average annual increase is a compound rate (latest / earliest)^(1/years) − 1, with years = today − earliest version date.· as of 2026-06-11
Default view shows 21 anchor ages (one every 5 years, plus 0 and 99) for a quick read of the inflation curve. The Avg. annual increase column on the right is always computed across all 100 ages regardless of toggle state.
Female
| Age | S00037-01-000-01 2019-07-17 | S00037-01-000-02 2020-10-12 | S00037-01-000-02 2024-08-26 | S00037-01-000-02 2025-09-29 | Avg. annual increase |
|---|---|---|---|---|---|
| 0 | HK$2,834 | HK$2,834 | HK$3,259 (+15.0%) | HK$3,422 (+5.0%) | +2.80% |
| 5 | HK$1,735 | HK$1,735 | HK$1,995 (+15.0%) | HK$2,095 (+5.0%) | +2.80% |
| 10 | HK$1,354 | HK$1,354 | HK$1,557 (+15.0%) | HK$1,635 (+5.0%) | +2.80% |
| 15 | HK$1,523 | HK$1,523 | HK$1,751 (+15.0%) | HK$1,839 (+5.0%) | +2.80% |
| 20 | HK$1,779 | HK$1,779 | HK$2,046 (+15.0%) | HK$2,148 (+5.0%) | +2.80% |
| 25 | HK$2,288 | HK$2,288 | HK$2,631 (+15.0%) | HK$2,763 (+5.0%) | +2.81% |
| 30 | HK$2,794 | HK$2,794 | HK$3,213 (+15.0%) | HK$3,374 (+5.0%) | +2.81% |
| 35 | HK$3,291 | HK$3,291 | HK$3,785 (+15.0%) | HK$3,974 (+5.0%) | +2.80% |
| 40 | HK$3,963 | HK$3,963 | HK$4,557 (+15.0%) | HK$4,785 (+5.0%) | +2.80% |
| 45 | HK$4,684 | HK$4,684 | HK$5,387 (+15.0%) | HK$5,656 (+5.0%) | +2.80% |
| 50 | HK$5,404 | HK$5,404 | HK$6,215 (+15.0%) | HK$6,526 (+5.0%) | +2.81% |
| 55 | HK$6,324 | HK$6,324 | HK$7,273 (+15.0%) | HK$7,637 (+5.0%) | +2.81% |
| 60 | HK$7,374 | HK$7,374 | HK$8,480 (+15.0%) | HK$8,904 (+5.0%) | +2.80% |
| 65 | HK$8,672 | HK$8,672 | HK$9,973 (+15.0%) | HK$10,472 (+5.0%) | +2.81% |
| 70 | HK$10,798 | HK$10,798 | HK$12,418 (+15.0%) | HK$13,039 (+5.0%) | +2.80% |
| 75 | HK$13,239 | HK$13,239 | HK$15,225 (+15.0%) | HK$15,986 (+5.0%) | +2.80% |
| 80 | HK$16,430 | HK$16,430 | HK$18,895 (+15.0%) | HK$19,840 (+5.0%) | +2.81% |
| 85 | HK$19,254 | HK$19,254 | HK$22,142 (+15.0%) | HK$23,249 (+5.0%) | +2.80% |
| 90 | HK$21,099 | HK$21,099 | HK$24,264 (+15.0%) | HK$25,477 (+5.0%) | +2.80% |
| 95 | HK$23,002 | HK$23,002 | HK$26,452 (+15.0%) | HK$27,775 (+5.0%) | +2.80% |
| 99 | HK$24,443 | HK$24,443 | HK$28,109 (+15.0%) | HK$29,514 (+5.0%) | +2.80% |
| All ages average | — | 0.0% | +15.0% | +5.0% | — |
0 y/oHK$2,834
5 y/oHK$1,735
10 y/oHK$1,354
15 y/oHK$1,523
20 y/oHK$1,779
25 y/oHK$2,288
30 y/oHK$2,794
35 y/oHK$3,291
40 y/oHK$3,963
45 y/oHK$4,684
50 y/oHK$5,404
55 y/oHK$6,324
60 y/oHK$7,374
65 y/oHK$8,672
70 y/oHK$10,798
75 y/oHK$13,239
80 y/oHK$16,430
85 y/oHK$19,254
90 y/oHK$21,099
95 y/oHK$23,002
99 y/oHK$24,443
0.0%
All-ages avg
0 y/oHK$2,834
5 y/oHK$1,735
10 y/oHK$1,354
15 y/oHK$1,523
20 y/oHK$1,779
25 y/oHK$2,288
30 y/oHK$2,794
35 y/oHK$3,291
40 y/oHK$3,963
45 y/oHK$4,684
50 y/oHK$5,404
55 y/oHK$6,324
60 y/oHK$7,374
65 y/oHK$8,672
70 y/oHK$10,798
75 y/oHK$13,239
80 y/oHK$16,430
85 y/oHK$19,254
90 y/oHK$21,099
95 y/oHK$23,002
99 y/oHK$24,443
+15.0%
All-ages avg
0 y/oHK$3,259 (+15.0%)
5 y/oHK$1,995 (+15.0%)
10 y/oHK$1,557 (+15.0%)
15 y/oHK$1,751 (+15.0%)
20 y/oHK$2,046 (+15.0%)
25 y/oHK$2,631 (+15.0%)
30 y/oHK$3,213 (+15.0%)
35 y/oHK$3,785 (+15.0%)
40 y/oHK$4,557 (+15.0%)
45 y/oHK$5,387 (+15.0%)
50 y/oHK$6,215 (+15.0%)
55 y/oHK$7,273 (+15.0%)
60 y/oHK$8,480 (+15.0%)
65 y/oHK$9,973 (+15.0%)
70 y/oHK$12,418 (+15.0%)
75 y/oHK$15,225 (+15.0%)
80 y/oHK$18,895 (+15.0%)
85 y/oHK$22,142 (+15.0%)
90 y/oHK$24,264 (+15.0%)
95 y/oHK$26,452 (+15.0%)
99 y/oHK$28,109 (+15.0%)
+5.0%
All-ages avg
0 y/oHK$3,422 (+5.0%)
5 y/oHK$2,095 (+5.0%)
10 y/oHK$1,635 (+5.0%)
15 y/oHK$1,839 (+5.0%)
20 y/oHK$2,148 (+5.0%)
25 y/oHK$2,763 (+5.0%)
30 y/oHK$3,374 (+5.0%)
35 y/oHK$3,974 (+5.0%)
40 y/oHK$4,785 (+5.0%)
45 y/oHK$5,656 (+5.0%)
50 y/oHK$6,526 (+5.0%)
55 y/oHK$7,637 (+5.0%)
60 y/oHK$8,904 (+5.0%)
65 y/oHK$10,472 (+5.0%)
70 y/oHK$13,039 (+5.0%)
75 y/oHK$15,986 (+5.0%)
80 y/oHK$19,840 (+5.0%)
85 y/oHK$23,249 (+5.0%)
90 y/oHK$25,477 (+5.0%)
95 y/oHK$27,775 (+5.0%)
99 y/oHK$29,514 (+5.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+2.80%
5 y/o+2.80%
10 y/o+2.80%
15 y/o+2.80%
20 y/o+2.80%
25 y/o+2.81%
30 y/o+2.81%
35 y/o+2.80%
40 y/o+2.80%
45 y/o+2.80%
50 y/o+2.81%
55 y/o+2.81%
60 y/o+2.80%
65 y/o+2.81%
70 y/o+2.80%
75 y/o+2.80%
80 y/o+2.81%
85 y/o+2.80%
90 y/o+2.80%
95 y/o+2.80%
99 y/o+2.80%
Each cell shows the premium amount, with the change vs. previous version in parentheses. The first version shows only the baseline premium. The average annual increase is a compound rate (latest / earliest)^(1/years) − 1, with years = today − earliest version date.· as of 2026-06-11
Default view shows 21 anchor ages (one every 5 years, plus 0 and 99) for a quick read of the inflation curve. The Avg. annual increase column on the right is always computed across all 100 ages regardless of toggle state.