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Manulife First VHIS Flexi Plan - Ward
宏利全護航自願醫保靈活計劃 - 普通房
Manulife (International) Limited · F00019-01-000 · 6 versions · Flexi plan · Avg. annual increase +3.31%
Male
| Age | F00019-01-000-01 2019-04-01 | F00019-01-000-02 2021-01-01 | F00019-01-000-03 2022-10-01 | F00019-01-000-03 2024-06-29 | F00019-01-000-04 2025-06-29 | F00019-01-000-06 2025-12-05 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$2,566 | HK$2,720 (+6.0%) | HK$2,883 (+6.0%) | HK$2,998 (+4.0%) | HK$3,268 (+9.0%) | HK$3,268 | +3.46% |
| 5 | HK$1,870 | HK$1,982 (+6.0%) | HK$2,101 (+6.0%) | HK$2,185 (+4.0%) | HK$2,382 (+9.0%) | HK$2,382 | +3.46% |
| 10 | HK$1,409 | HK$1,493 (+6.0%) | HK$1,583 (+6.0%) | HK$1,646 (+4.0%) | HK$1,745 (+6.0%) | HK$1,745 | +3.05% |
| 15 | HK$1,326 | HK$1,405 (+6.0%) | HK$1,489 (+6.0%) | HK$1,549 (+4.0%) | HK$1,642 (+6.0%) | HK$1,642 | +3.05% |
| 20 | HK$1,745 | HK$1,850 (+6.0%) | HK$1,961 (+6.0%) | HK$2,039 (+4.0%) | HK$2,161 (+6.0%) | HK$2,161 | +3.05% |
| 25 | HK$2,102 | HK$2,228 (+6.0%) | HK$2,362 (+6.0%) | HK$2,456 (+4.0%) | HK$2,603 (+6.0%) | HK$2,603 | +3.05% |
| 30 | HK$2,268 | HK$2,403 (+6.0%) | HK$2,547 (+6.0%) | HK$2,649 (+4.0%) | HK$2,808 (+6.0%) | HK$2,808 | +3.05% |
| 35 | HK$2,571 | HK$2,725 (+6.0%) | HK$2,889 (+6.0%) | HK$3,005 (+4.0%) | HK$3,185 (+6.0%) | HK$3,185 | +3.06% |
| 40 | HK$2,982 | HK$3,160 (+6.0%) | HK$3,350 (+6.0%) | HK$3,484 (+4.0%) | HK$3,693 (+6.0%) | HK$3,693 | +3.05% |
| 45 | HK$3,590 | HK$3,805 (+6.0%) | HK$4,033 (+6.0%) | HK$4,194 (+4.0%) | HK$4,446 (+6.0%) | HK$4,446 | +3.05% |
| 50 | HK$4,576 | HK$4,850 (+6.0%) | HK$5,141 (+6.0%) | HK$5,347 (+4.0%) | HK$5,695 (+6.5%) | HK$5,695 | +3.12% |
| 55 | HK$5,915 | HK$6,299 (+6.5%) | HK$6,677 (+6.0%) | HK$6,944 (+4.0%) | HK$7,569 (+9.0%) | HK$7,569 | +3.53% |
| 60 | HK$7,398 | HK$7,842 (+6.0%) | HK$8,313 (+6.0%) | HK$8,646 (+4.0%) | HK$9,424 (+9.0%) | HK$9,424 | +3.46% |
| 65 | HK$10,117 | HK$10,724 (+6.0%) | HK$11,367 (+6.0%) | HK$11,822 (+4.0%) | HK$12,886 (+9.0%) | HK$12,886 | +3.46% |
| 70 | HK$12,526 | HK$13,278 (+6.0%) | HK$14,075 (+6.0%) | HK$14,638 (+4.0%) | HK$15,955 (+9.0%) | HK$15,955 | +3.46% |
| 75 | HK$15,174 | HK$16,148 (+6.4%) | HK$17,117 (+6.0%) | HK$17,802 (+4.0%) | HK$19,404 (+9.0%) | HK$19,404 | +3.52% |
| 80 | HK$18,498 | HK$19,700 (+6.5%) | HK$20,882 (+6.0%) | HK$21,717 (+4.0%) | HK$23,672 (+9.0%) | HK$23,672 | +3.53% |
| 85 | HK$20,662 | HK$22,004 (+6.5%) | HK$23,324 (+6.0%) | HK$24,257 (+4.0%) | HK$26,440 (+9.0%) | HK$26,440 | +3.53% |
| 90 | HK$22,042 | HK$23,474 (+6.5%) | HK$24,882 (+6.0%) | HK$25,877 (+4.0%) | HK$28,206 (+9.0%) | HK$28,206 | +3.53% |
| 95 | HK$23,499 | HK$25,026 (+6.5%) | HK$26,528 (+6.0%) | HK$27,589 (+4.0%) | HK$30,072 (+9.0%) | HK$30,072 | +3.53% |
| 99 | HK$24,726 | HK$26,333 (+6.5%) | HK$27,913 (+6.0%) | HK$29,030 (+4.0%) | HK$31,643 (+9.0%) | HK$31,643 | +3.53% |
| All ages average | — | +6.2% | +6.0% | +4.0% | +7.7% | 0.0% | — |
0 y/oHK$2,566
5 y/oHK$1,870
10 y/oHK$1,409
15 y/oHK$1,326
20 y/oHK$1,745
25 y/oHK$2,102
30 y/oHK$2,268
35 y/oHK$2,571
40 y/oHK$2,982
45 y/oHK$3,590
50 y/oHK$4,576
55 y/oHK$5,915
60 y/oHK$7,398
65 y/oHK$10,117
70 y/oHK$12,526
75 y/oHK$15,174
80 y/oHK$18,498
85 y/oHK$20,662
90 y/oHK$22,042
95 y/oHK$23,499
99 y/oHK$24,726
+6.2%
All-ages avg
0 y/oHK$2,720 (+6.0%)
5 y/oHK$1,982 (+6.0%)
10 y/oHK$1,493 (+6.0%)
15 y/oHK$1,405 (+6.0%)
20 y/oHK$1,850 (+6.0%)
25 y/oHK$2,228 (+6.0%)
30 y/oHK$2,403 (+6.0%)
35 y/oHK$2,725 (+6.0%)
40 y/oHK$3,160 (+6.0%)
45 y/oHK$3,805 (+6.0%)
50 y/oHK$4,850 (+6.0%)
55 y/oHK$6,299 (+6.5%)
60 y/oHK$7,842 (+6.0%)
65 y/oHK$10,724 (+6.0%)
70 y/oHK$13,278 (+6.0%)
75 y/oHK$16,148 (+6.4%)
80 y/oHK$19,700 (+6.5%)
85 y/oHK$22,004 (+6.5%)
90 y/oHK$23,474 (+6.5%)
95 y/oHK$25,026 (+6.5%)
99 y/oHK$26,333 (+6.5%)
+6.0%
All-ages avg
0 y/oHK$2,883 (+6.0%)
5 y/oHK$2,101 (+6.0%)
10 y/oHK$1,583 (+6.0%)
15 y/oHK$1,489 (+6.0%)
20 y/oHK$1,961 (+6.0%)
25 y/oHK$2,362 (+6.0%)
30 y/oHK$2,547 (+6.0%)
35 y/oHK$2,889 (+6.0%)
40 y/oHK$3,350 (+6.0%)
45 y/oHK$4,033 (+6.0%)
50 y/oHK$5,141 (+6.0%)
55 y/oHK$6,677 (+6.0%)
60 y/oHK$8,313 (+6.0%)
65 y/oHK$11,367 (+6.0%)
70 y/oHK$14,075 (+6.0%)
75 y/oHK$17,117 (+6.0%)
80 y/oHK$20,882 (+6.0%)
85 y/oHK$23,324 (+6.0%)
90 y/oHK$24,882 (+6.0%)
95 y/oHK$26,528 (+6.0%)
99 y/oHK$27,913 (+6.0%)
+4.0%
All-ages avg
0 y/oHK$2,998 (+4.0%)
5 y/oHK$2,185 (+4.0%)
10 y/oHK$1,646 (+4.0%)
15 y/oHK$1,549 (+4.0%)
20 y/oHK$2,039 (+4.0%)
25 y/oHK$2,456 (+4.0%)
30 y/oHK$2,649 (+4.0%)
35 y/oHK$3,005 (+4.0%)
40 y/oHK$3,484 (+4.0%)
45 y/oHK$4,194 (+4.0%)
50 y/oHK$5,347 (+4.0%)
55 y/oHK$6,944 (+4.0%)
60 y/oHK$8,646 (+4.0%)
65 y/oHK$11,822 (+4.0%)
70 y/oHK$14,638 (+4.0%)
75 y/oHK$17,802 (+4.0%)
80 y/oHK$21,717 (+4.0%)
85 y/oHK$24,257 (+4.0%)
90 y/oHK$25,877 (+4.0%)
95 y/oHK$27,589 (+4.0%)
99 y/oHK$29,030 (+4.0%)
+7.7%
All-ages avg
0 y/oHK$3,268 (+9.0%)
5 y/oHK$2,382 (+9.0%)
10 y/oHK$1,745 (+6.0%)
15 y/oHK$1,642 (+6.0%)
20 y/oHK$2,161 (+6.0%)
25 y/oHK$2,603 (+6.0%)
30 y/oHK$2,808 (+6.0%)
35 y/oHK$3,185 (+6.0%)
40 y/oHK$3,693 (+6.0%)
45 y/oHK$4,446 (+6.0%)
50 y/oHK$5,695 (+6.5%)
55 y/oHK$7,569 (+9.0%)
60 y/oHK$9,424 (+9.0%)
65 y/oHK$12,886 (+9.0%)
70 y/oHK$15,955 (+9.0%)
75 y/oHK$19,404 (+9.0%)
80 y/oHK$23,672 (+9.0%)
85 y/oHK$26,440 (+9.0%)
90 y/oHK$28,206 (+9.0%)
95 y/oHK$30,072 (+9.0%)
99 y/oHK$31,643 (+9.0%)
0.0%
All-ages avg
0 y/oHK$3,268
5 y/oHK$2,382
10 y/oHK$1,745
15 y/oHK$1,642
20 y/oHK$2,161
25 y/oHK$2,603
30 y/oHK$2,808
35 y/oHK$3,185
40 y/oHK$3,693
45 y/oHK$4,446
50 y/oHK$5,695
55 y/oHK$7,569
60 y/oHK$9,424
65 y/oHK$12,886
70 y/oHK$15,955
75 y/oHK$19,404
80 y/oHK$23,672
85 y/oHK$26,440
90 y/oHK$28,206
95 y/oHK$30,072
99 y/oHK$31,643
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+3.46%
5 y/o+3.46%
10 y/o+3.05%
15 y/o+3.05%
20 y/o+3.05%
25 y/o+3.05%
30 y/o+3.05%
35 y/o+3.06%
40 y/o+3.05%
45 y/o+3.05%
50 y/o+3.12%
55 y/o+3.53%
60 y/o+3.46%
65 y/o+3.46%
70 y/o+3.46%
75 y/o+3.52%
80 y/o+3.53%
85 y/o+3.53%
90 y/o+3.53%
95 y/o+3.53%
99 y/o+3.53%
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 | F00019-01-000-01 2019-04-01 | F00019-01-000-02 2021-01-01 | F00019-01-000-03 2022-10-01 | F00019-01-000-03 2024-06-29 | F00019-01-000-04 2025-06-29 | F00019-01-000-06 2025-12-05 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$2,664 | HK$2,824 (+6.0%) | HK$2,993 (+6.0%) | HK$3,113 (+4.0%) | HK$3,393 (+9.0%) | HK$3,393 | +3.46% |
| 5 | HK$1,991 | HK$2,111 (+6.0%) | HK$2,238 (+6.0%) | HK$2,328 (+4.0%) | HK$2,538 (+9.0%) | HK$2,538 | +3.47% |
| 10 | HK$1,486 | HK$1,576 (+6.1%) | HK$1,671 (+6.0%) | HK$1,738 (+4.0%) | HK$1,842 (+6.0%) | HK$1,842 | +3.07% |
| 15 | HK$1,558 | HK$1,652 (+6.0%) | HK$1,751 (+6.0%) | HK$1,821 (+4.0%) | HK$1,930 (+6.0%) | HK$1,930 | +3.06% |
| 20 | HK$1,956 | HK$2,073 (+6.0%) | HK$2,197 (+6.0%) | HK$2,285 (+4.0%) | HK$2,422 (+6.0%) | HK$2,422 | +3.05% |
| 25 | HK$2,442 | HK$2,589 (+6.0%) | HK$2,744 (+6.0%) | HK$2,854 (+4.0%) | HK$3,025 (+6.0%) | HK$3,025 | +3.06% |
| 30 | HK$2,837 | HK$3,008 (+6.0%) | HK$3,188 (+6.0%) | HK$3,316 (+4.0%) | HK$3,515 (+6.0%) | HK$3,515 | +3.06% |
| 35 | HK$3,515 | HK$3,726 (+6.0%) | HK$3,950 (+6.0%) | HK$4,108 (+4.0%) | HK$4,354 (+6.0%) | HK$4,354 | +3.06% |
| 40 | HK$4,210 | HK$4,463 (+6.0%) | HK$4,731 (+6.0%) | HK$4,920 (+4.0%) | HK$5,215 (+6.0%) | HK$5,215 | +3.06% |
| 45 | HK$5,044 | HK$5,346 (+6.0%) | HK$5,667 (+6.0%) | HK$5,894 (+4.0%) | HK$6,248 (+6.0%) | HK$6,248 | +3.06% |
| 50 | HK$5,709 | HK$6,051 (+6.0%) | HK$6,414 (+6.0%) | HK$6,671 (+4.0%) | HK$7,105 (+6.5%) | HK$7,105 | +3.12% |
| 55 | HK$6,101 | HK$6,467 (+6.0%) | HK$6,855 (+6.0%) | HK$7,129 (+4.0%) | HK$7,771 (+9.0%) | HK$7,771 | +3.46% |
| 60 | HK$7,207 | HK$7,639 (+6.0%) | HK$8,097 (+6.0%) | HK$8,421 (+4.0%) | HK$9,179 (+9.0%) | HK$9,179 | +3.46% |
| 65 | HK$9,702 | HK$10,284 (+6.0%) | HK$10,901 (+6.0%) | HK$11,337 (+4.0%) | HK$12,357 (+9.0%) | HK$12,357 | +3.46% |
| 70 | HK$11,838 | HK$12,549 (+6.0%) | HK$13,302 (+6.0%) | HK$13,834 (+4.0%) | HK$15,079 (+9.0%) | HK$15,079 | +3.46% |
| 75 | HK$14,602 | HK$15,539 (+6.4%) | HK$16,471 (+6.0%) | HK$17,130 (+4.0%) | HK$18,672 (+9.0%) | HK$18,672 | +3.52% |
| 80 | HK$18,253 | HK$19,439 (+6.5%) | HK$20,605 (+6.0%) | HK$21,429 (+4.0%) | HK$23,358 (+9.0%) | HK$23,358 | +3.53% |
| 85 | HK$20,679 | HK$22,023 (+6.5%) | HK$23,344 (+6.0%) | HK$24,278 (+4.0%) | HK$26,463 (+9.0%) | HK$26,463 | +3.53% |
| 90 | HK$22,059 | HK$23,493 (+6.5%) | HK$24,903 (+6.0%) | HK$25,899 (+4.0%) | HK$28,230 (+9.0%) | HK$28,230 | +3.53% |
| 95 | HK$23,517 | HK$25,045 (+6.5%) | HK$26,548 (+6.0%) | HK$27,610 (+4.0%) | HK$30,095 (+9.0%) | HK$30,095 | +3.53% |
| 99 | HK$24,742 | HK$26,351 (+6.5%) | HK$27,932 (+6.0%) | HK$29,049 (+4.0%) | HK$31,663 (+9.0%) | HK$31,663 | +3.53% |
| All ages average | — | +6.1% | +6.0% | +4.0% | +7.7% | 0.0% | — |
0 y/oHK$2,664
5 y/oHK$1,991
10 y/oHK$1,486
15 y/oHK$1,558
20 y/oHK$1,956
25 y/oHK$2,442
30 y/oHK$2,837
35 y/oHK$3,515
40 y/oHK$4,210
45 y/oHK$5,044
50 y/oHK$5,709
55 y/oHK$6,101
60 y/oHK$7,207
65 y/oHK$9,702
70 y/oHK$11,838
75 y/oHK$14,602
80 y/oHK$18,253
85 y/oHK$20,679
90 y/oHK$22,059
95 y/oHK$23,517
99 y/oHK$24,742
+6.1%
All-ages avg
0 y/oHK$2,824 (+6.0%)
5 y/oHK$2,111 (+6.0%)
10 y/oHK$1,576 (+6.1%)
15 y/oHK$1,652 (+6.0%)
20 y/oHK$2,073 (+6.0%)
25 y/oHK$2,589 (+6.0%)
30 y/oHK$3,008 (+6.0%)
35 y/oHK$3,726 (+6.0%)
40 y/oHK$4,463 (+6.0%)
45 y/oHK$5,346 (+6.0%)
50 y/oHK$6,051 (+6.0%)
55 y/oHK$6,467 (+6.0%)
60 y/oHK$7,639 (+6.0%)
65 y/oHK$10,284 (+6.0%)
70 y/oHK$12,549 (+6.0%)
75 y/oHK$15,539 (+6.4%)
80 y/oHK$19,439 (+6.5%)
85 y/oHK$22,023 (+6.5%)
90 y/oHK$23,493 (+6.5%)
95 y/oHK$25,045 (+6.5%)
99 y/oHK$26,351 (+6.5%)
+6.0%
All-ages avg
0 y/oHK$2,993 (+6.0%)
5 y/oHK$2,238 (+6.0%)
10 y/oHK$1,671 (+6.0%)
15 y/oHK$1,751 (+6.0%)
20 y/oHK$2,197 (+6.0%)
25 y/oHK$2,744 (+6.0%)
30 y/oHK$3,188 (+6.0%)
35 y/oHK$3,950 (+6.0%)
40 y/oHK$4,731 (+6.0%)
45 y/oHK$5,667 (+6.0%)
50 y/oHK$6,414 (+6.0%)
55 y/oHK$6,855 (+6.0%)
60 y/oHK$8,097 (+6.0%)
65 y/oHK$10,901 (+6.0%)
70 y/oHK$13,302 (+6.0%)
75 y/oHK$16,471 (+6.0%)
80 y/oHK$20,605 (+6.0%)
85 y/oHK$23,344 (+6.0%)
90 y/oHK$24,903 (+6.0%)
95 y/oHK$26,548 (+6.0%)
99 y/oHK$27,932 (+6.0%)
+4.0%
All-ages avg
0 y/oHK$3,113 (+4.0%)
5 y/oHK$2,328 (+4.0%)
10 y/oHK$1,738 (+4.0%)
15 y/oHK$1,821 (+4.0%)
20 y/oHK$2,285 (+4.0%)
25 y/oHK$2,854 (+4.0%)
30 y/oHK$3,316 (+4.0%)
35 y/oHK$4,108 (+4.0%)
40 y/oHK$4,920 (+4.0%)
45 y/oHK$5,894 (+4.0%)
50 y/oHK$6,671 (+4.0%)
55 y/oHK$7,129 (+4.0%)
60 y/oHK$8,421 (+4.0%)
65 y/oHK$11,337 (+4.0%)
70 y/oHK$13,834 (+4.0%)
75 y/oHK$17,130 (+4.0%)
80 y/oHK$21,429 (+4.0%)
85 y/oHK$24,278 (+4.0%)
90 y/oHK$25,899 (+4.0%)
95 y/oHK$27,610 (+4.0%)
99 y/oHK$29,049 (+4.0%)
+7.7%
All-ages avg
0 y/oHK$3,393 (+9.0%)
5 y/oHK$2,538 (+9.0%)
10 y/oHK$1,842 (+6.0%)
15 y/oHK$1,930 (+6.0%)
20 y/oHK$2,422 (+6.0%)
25 y/oHK$3,025 (+6.0%)
30 y/oHK$3,515 (+6.0%)
35 y/oHK$4,354 (+6.0%)
40 y/oHK$5,215 (+6.0%)
45 y/oHK$6,248 (+6.0%)
50 y/oHK$7,105 (+6.5%)
55 y/oHK$7,771 (+9.0%)
60 y/oHK$9,179 (+9.0%)
65 y/oHK$12,357 (+9.0%)
70 y/oHK$15,079 (+9.0%)
75 y/oHK$18,672 (+9.0%)
80 y/oHK$23,358 (+9.0%)
85 y/oHK$26,463 (+9.0%)
90 y/oHK$28,230 (+9.0%)
95 y/oHK$30,095 (+9.0%)
99 y/oHK$31,663 (+9.0%)
0.0%
All-ages avg
0 y/oHK$3,393
5 y/oHK$2,538
10 y/oHK$1,842
15 y/oHK$1,930
20 y/oHK$2,422
25 y/oHK$3,025
30 y/oHK$3,515
35 y/oHK$4,354
40 y/oHK$5,215
45 y/oHK$6,248
50 y/oHK$7,105
55 y/oHK$7,771
60 y/oHK$9,179
65 y/oHK$12,357
70 y/oHK$15,079
75 y/oHK$18,672
80 y/oHK$23,358
85 y/oHK$26,463
90 y/oHK$28,230
95 y/oHK$30,095
99 y/oHK$31,663
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+3.46%
5 y/o+3.47%
10 y/o+3.07%
15 y/o+3.06%
20 y/o+3.05%
25 y/o+3.06%
30 y/o+3.06%
35 y/o+3.06%
40 y/o+3.06%
45 y/o+3.06%
50 y/o+3.12%
55 y/o+3.46%
60 y/o+3.46%
65 y/o+3.46%
70 y/o+3.46%
75 y/o+3.52%
80 y/o+3.53%
85 y/o+3.53%
90 y/o+3.53%
95 y/o+3.53%
99 y/o+3.53%
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.