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Manulife First VHIS Flexi Plan - Ward with SMM
宏利全護航自願醫保靈活計劃 - 普通房+高額醫療保障
Manulife (International) Limited · F00019-01-001 · 6 versions · Flexi plan · Avg. annual increase +3.31%
Male
| Age | F00019-01-001-01 2019-04-01 | F00019-01-001-02 2021-01-01 | F00019-01-001-03 2022-10-01 | F00019-01-001-03 2024-06-29 | F00019-01-001-04 2025-06-29 | F00019-01-001-06 2025-12-05 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$4,367 | HK$4,630 (+6.0%) | HK$4,908 (+6.0%) | HK$5,104 (+4.0%) | HK$5,563 (+9.0%) | HK$5,563 | +3.46% |
| 5 | HK$3,182 | HK$3,373 (+6.0%) | HK$3,575 (+6.0%) | HK$3,718 (+4.0%) | HK$4,053 (+9.0%) | HK$4,053 | +3.46% |
| 10 | HK$2,398 | HK$2,542 (+6.0%) | HK$2,695 (+6.0%) | HK$2,803 (+4.0%) | HK$2,971 (+6.0%) | HK$2,971 | +3.06% |
| 15 | HK$2,257 | HK$2,392 (+6.0%) | HK$2,536 (+6.0%) | HK$2,637 (+4.0%) | HK$2,795 (+6.0%) | HK$2,795 | +3.05% |
| 20 | HK$2,971 | HK$3,149 (+6.0%) | HK$3,338 (+6.0%) | HK$3,472 (+4.0%) | HK$3,680 (+6.0%) | HK$3,680 | +3.06% |
| 25 | HK$3,578 | HK$3,793 (+6.0%) | HK$4,021 (+6.0%) | HK$4,182 (+4.0%) | HK$4,433 (+6.0%) | HK$4,433 | +3.06% |
| 30 | HK$3,860 | HK$4,091 (+6.0%) | HK$4,336 (+6.0%) | HK$4,509 (+4.0%) | HK$4,780 (+6.0%) | HK$4,780 | +3.05% |
| 35 | HK$4,377 | HK$4,639 (+6.0%) | HK$4,917 (+6.0%) | HK$5,114 (+4.0%) | HK$5,421 (+6.0%) | HK$5,421 | +3.05% |
| 40 | HK$5,075 | HK$5,379 (+6.0%) | HK$5,702 (+6.0%) | HK$5,930 (+4.0%) | HK$6,286 (+6.0%) | HK$6,286 | +3.06% |
| 45 | HK$6,111 | HK$6,477 (+6.0%) | HK$6,866 (+6.0%) | HK$7,141 (+4.0%) | HK$7,569 (+6.0%) | HK$7,569 | +3.06% |
| 50 | HK$7,789 | HK$8,256 (+6.0%) | HK$8,751 (+6.0%) | HK$9,101 (+4.0%) | HK$9,693 (+6.5%) | HK$9,693 | +3.12% |
| 55 | HK$10,068 | HK$10,722 (+6.5%) | HK$11,365 (+6.0%) | HK$11,820 (+4.0%) | HK$12,884 (+9.0%) | HK$12,884 | +3.53% |
| 60 | HK$12,592 | HK$13,348 (+6.0%) | HK$14,149 (+6.0%) | HK$14,715 (+4.0%) | HK$16,039 (+9.0%) | HK$16,039 | +3.46% |
| 65 | HK$17,220 | HK$18,254 (+6.0%) | HK$19,349 (+6.0%) | HK$20,123 (+4.0%) | HK$21,934 (+9.0%) | HK$21,934 | +3.46% |
| 70 | HK$21,321 | HK$22,601 (+6.0%) | HK$23,957 (+6.0%) | HK$24,915 (+4.0%) | HK$27,157 (+9.0%) | HK$27,157 | +3.46% |
| 75 | HK$25,827 | HK$27,485 (+6.4%) | HK$29,134 (+6.0%) | HK$30,299 (+4.0%) | HK$33,026 (+9.0%) | HK$33,026 | +3.52% |
| 80 | HK$31,485 | HK$33,531 (+6.5%) | HK$35,543 (+6.0%) | HK$36,965 (+4.0%) | HK$40,292 (+9.0%) | HK$40,292 | +3.53% |
| 85 | HK$35,168 | HK$37,454 (+6.5%) | HK$39,701 (+6.0%) | HK$41,289 (+4.0%) | HK$45,005 (+9.0%) | HK$45,005 | +3.53% |
| 90 | HK$37,518 | HK$39,956 (+6.5%) | HK$42,353 (+6.0%) | HK$44,047 (+4.0%) | HK$48,011 (+9.0%) | HK$48,011 | +3.53% |
| 95 | HK$39,997 | HK$42,597 (+6.5%) | HK$45,153 (+6.0%) | HK$46,959 (+4.0%) | HK$51,185 (+9.0%) | HK$51,185 | +3.53% |
| 99 | HK$42,086 | HK$44,821 (+6.5%) | HK$47,510 (+6.0%) | HK$49,410 (+4.0%) | HK$53,857 (+9.0%) | HK$53,857 | +3.53% |
| All ages average | — | +6.2% | +6.0% | +4.0% | +7.7% | 0.0% | — |
0 y/oHK$4,367
5 y/oHK$3,182
10 y/oHK$2,398
15 y/oHK$2,257
20 y/oHK$2,971
25 y/oHK$3,578
30 y/oHK$3,860
35 y/oHK$4,377
40 y/oHK$5,075
45 y/oHK$6,111
50 y/oHK$7,789
55 y/oHK$10,068
60 y/oHK$12,592
65 y/oHK$17,220
70 y/oHK$21,321
75 y/oHK$25,827
80 y/oHK$31,485
85 y/oHK$35,168
90 y/oHK$37,518
95 y/oHK$39,997
99 y/oHK$42,086
+6.2%
All-ages avg
0 y/oHK$4,630 (+6.0%)
5 y/oHK$3,373 (+6.0%)
10 y/oHK$2,542 (+6.0%)
15 y/oHK$2,392 (+6.0%)
20 y/oHK$3,149 (+6.0%)
25 y/oHK$3,793 (+6.0%)
30 y/oHK$4,091 (+6.0%)
35 y/oHK$4,639 (+6.0%)
40 y/oHK$5,379 (+6.0%)
45 y/oHK$6,477 (+6.0%)
50 y/oHK$8,256 (+6.0%)
55 y/oHK$10,722 (+6.5%)
60 y/oHK$13,348 (+6.0%)
65 y/oHK$18,254 (+6.0%)
70 y/oHK$22,601 (+6.0%)
75 y/oHK$27,485 (+6.4%)
80 y/oHK$33,531 (+6.5%)
85 y/oHK$37,454 (+6.5%)
90 y/oHK$39,956 (+6.5%)
95 y/oHK$42,597 (+6.5%)
99 y/oHK$44,821 (+6.5%)
+6.0%
All-ages avg
0 y/oHK$4,908 (+6.0%)
5 y/oHK$3,575 (+6.0%)
10 y/oHK$2,695 (+6.0%)
15 y/oHK$2,536 (+6.0%)
20 y/oHK$3,338 (+6.0%)
25 y/oHK$4,021 (+6.0%)
30 y/oHK$4,336 (+6.0%)
35 y/oHK$4,917 (+6.0%)
40 y/oHK$5,702 (+6.0%)
45 y/oHK$6,866 (+6.0%)
50 y/oHK$8,751 (+6.0%)
55 y/oHK$11,365 (+6.0%)
60 y/oHK$14,149 (+6.0%)
65 y/oHK$19,349 (+6.0%)
70 y/oHK$23,957 (+6.0%)
75 y/oHK$29,134 (+6.0%)
80 y/oHK$35,543 (+6.0%)
85 y/oHK$39,701 (+6.0%)
90 y/oHK$42,353 (+6.0%)
95 y/oHK$45,153 (+6.0%)
99 y/oHK$47,510 (+6.0%)
+4.0%
All-ages avg
0 y/oHK$5,104 (+4.0%)
5 y/oHK$3,718 (+4.0%)
10 y/oHK$2,803 (+4.0%)
15 y/oHK$2,637 (+4.0%)
20 y/oHK$3,472 (+4.0%)
25 y/oHK$4,182 (+4.0%)
30 y/oHK$4,509 (+4.0%)
35 y/oHK$5,114 (+4.0%)
40 y/oHK$5,930 (+4.0%)
45 y/oHK$7,141 (+4.0%)
50 y/oHK$9,101 (+4.0%)
55 y/oHK$11,820 (+4.0%)
60 y/oHK$14,715 (+4.0%)
65 y/oHK$20,123 (+4.0%)
70 y/oHK$24,915 (+4.0%)
75 y/oHK$30,299 (+4.0%)
80 y/oHK$36,965 (+4.0%)
85 y/oHK$41,289 (+4.0%)
90 y/oHK$44,047 (+4.0%)
95 y/oHK$46,959 (+4.0%)
99 y/oHK$49,410 (+4.0%)
+7.7%
All-ages avg
0 y/oHK$5,563 (+9.0%)
5 y/oHK$4,053 (+9.0%)
10 y/oHK$2,971 (+6.0%)
15 y/oHK$2,795 (+6.0%)
20 y/oHK$3,680 (+6.0%)
25 y/oHK$4,433 (+6.0%)
30 y/oHK$4,780 (+6.0%)
35 y/oHK$5,421 (+6.0%)
40 y/oHK$6,286 (+6.0%)
45 y/oHK$7,569 (+6.0%)
50 y/oHK$9,693 (+6.5%)
55 y/oHK$12,884 (+9.0%)
60 y/oHK$16,039 (+9.0%)
65 y/oHK$21,934 (+9.0%)
70 y/oHK$27,157 (+9.0%)
75 y/oHK$33,026 (+9.0%)
80 y/oHK$40,292 (+9.0%)
85 y/oHK$45,005 (+9.0%)
90 y/oHK$48,011 (+9.0%)
95 y/oHK$51,185 (+9.0%)
99 y/oHK$53,857 (+9.0%)
0.0%
All-ages avg
0 y/oHK$5,563
5 y/oHK$4,053
10 y/oHK$2,971
15 y/oHK$2,795
20 y/oHK$3,680
25 y/oHK$4,433
30 y/oHK$4,780
35 y/oHK$5,421
40 y/oHK$6,286
45 y/oHK$7,569
50 y/oHK$9,693
55 y/oHK$12,884
60 y/oHK$16,039
65 y/oHK$21,934
70 y/oHK$27,157
75 y/oHK$33,026
80 y/oHK$40,292
85 y/oHK$45,005
90 y/oHK$48,011
95 y/oHK$51,185
99 y/oHK$53,857
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+3.06%
15 y/o+3.05%
20 y/o+3.06%
25 y/o+3.06%
30 y/o+3.05%
35 y/o+3.05%
40 y/o+3.06%
45 y/o+3.06%
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 | F00019-01-001-01 2019-04-01 | F00019-01-001-02 2021-01-01 | F00019-01-001-03 2022-10-01 | F00019-01-001-03 2024-06-29 | F00019-01-001-04 2025-06-29 | F00019-01-001-06 2025-12-05 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$4,005 | HK$4,245 (+6.0%) | HK$4,500 (+6.0%) | HK$4,680 (+4.0%) | HK$5,101 (+9.0%) | HK$5,101 | +3.46% |
| 5 | HK$2,994 | HK$3,173 (+6.0%) | HK$3,363 (+6.0%) | HK$3,498 (+4.0%) | HK$3,813 (+9.0%) | HK$3,813 | +3.46% |
| 10 | HK$2,235 | HK$2,369 (+6.0%) | HK$2,511 (+6.0%) | HK$2,611 (+4.0%) | HK$2,768 (+6.0%) | HK$2,768 | +3.05% |
| 15 | HK$2,343 | HK$2,484 (+6.0%) | HK$2,633 (+6.0%) | HK$2,738 (+4.0%) | HK$2,902 (+6.0%) | HK$2,902 | +3.06% |
| 20 | HK$2,941 | HK$3,117 (+6.0%) | HK$3,304 (+6.0%) | HK$3,436 (+4.0%) | HK$3,642 (+6.0%) | HK$3,642 | +3.05% |
| 25 | HK$3,672 | HK$3,892 (+6.0%) | HK$4,126 (+6.0%) | HK$4,291 (+4.0%) | HK$4,548 (+6.0%) | HK$4,548 | +3.05% |
| 30 | HK$4,266 | HK$4,522 (+6.0%) | HK$4,793 (+6.0%) | HK$4,985 (+4.0%) | HK$5,284 (+6.0%) | HK$5,284 | +3.06% |
| 35 | HK$5,284 | HK$5,602 (+6.0%) | HK$5,938 (+6.0%) | HK$6,176 (+4.0%) | HK$6,547 (+6.0%) | HK$6,547 | +3.06% |
| 40 | HK$6,330 | HK$6,710 (+6.0%) | HK$7,113 (+6.0%) | HK$7,398 (+4.0%) | HK$7,842 (+6.0%) | HK$7,842 | +3.06% |
| 45 | HK$7,583 | HK$8,038 (+6.0%) | HK$8,520 (+6.0%) | HK$8,861 (+4.0%) | HK$9,393 (+6.0%) | HK$9,393 | +3.06% |
| 50 | HK$8,583 | HK$9,097 (+6.0%) | HK$9,643 (+6.0%) | HK$10,029 (+4.0%) | HK$10,681 (+6.5%) | HK$10,681 | +3.12% |
| 55 | HK$9,173 | HK$9,723 (+6.0%) | HK$10,306 (+6.0%) | HK$10,718 (+4.0%) | HK$11,683 (+9.0%) | HK$11,683 | +3.46% |
| 60 | HK$10,835 | HK$11,485 (+6.0%) | HK$12,174 (+6.0%) | HK$12,661 (+4.0%) | HK$13,800 (+9.0%) | HK$13,800 | +3.46% |
| 65 | HK$14,586 | HK$15,461 (+6.0%) | HK$16,389 (+6.0%) | HK$17,045 (+4.0%) | HK$18,579 (+9.0%) | HK$18,579 | +3.46% |
| 70 | HK$17,798 | HK$18,866 (+6.0%) | HK$19,998 (+6.0%) | HK$20,798 (+4.0%) | HK$22,670 (+9.0%) | HK$22,670 | +3.46% |
| 75 | HK$21,952 | HK$23,361 (+6.4%) | HK$24,763 (+6.0%) | HK$25,754 (+4.0%) | HK$28,072 (+9.0%) | HK$28,072 | +3.52% |
| 80 | HK$27,442 | HK$29,225 (+6.5%) | HK$30,979 (+6.0%) | HK$32,218 (+4.0%) | HK$35,118 (+9.0%) | HK$35,118 | +3.53% |
| 85 | HK$31,089 | HK$33,110 (+6.5%) | HK$35,097 (+6.0%) | HK$36,501 (+4.0%) | HK$39,786 (+9.0%) | HK$39,786 | +3.53% |
| 90 | HK$33,164 | HK$35,319 (+6.5%) | HK$37,438 (+6.0%) | HK$38,936 (+4.0%) | HK$42,440 (+9.0%) | HK$42,440 | +3.53% |
| 95 | HK$35,355 | HK$37,653 (+6.5%) | HK$39,912 (+6.0%) | HK$41,508 (+4.0%) | HK$45,244 (+9.0%) | HK$45,244 | +3.53% |
| 99 | HK$37,198 | HK$39,616 (+6.5%) | HK$41,993 (+6.0%) | HK$43,673 (+4.0%) | HK$47,604 (+9.0%) | HK$47,604 | +3.53% |
| All ages average | — | +6.1% | +6.0% | +4.0% | +7.7% | 0.0% | — |
0 y/oHK$4,005
5 y/oHK$2,994
10 y/oHK$2,235
15 y/oHK$2,343
20 y/oHK$2,941
25 y/oHK$3,672
30 y/oHK$4,266
35 y/oHK$5,284
40 y/oHK$6,330
45 y/oHK$7,583
50 y/oHK$8,583
55 y/oHK$9,173
60 y/oHK$10,835
65 y/oHK$14,586
70 y/oHK$17,798
75 y/oHK$21,952
80 y/oHK$27,442
85 y/oHK$31,089
90 y/oHK$33,164
95 y/oHK$35,355
99 y/oHK$37,198
+6.1%
All-ages avg
0 y/oHK$4,245 (+6.0%)
5 y/oHK$3,173 (+6.0%)
10 y/oHK$2,369 (+6.0%)
15 y/oHK$2,484 (+6.0%)
20 y/oHK$3,117 (+6.0%)
25 y/oHK$3,892 (+6.0%)
30 y/oHK$4,522 (+6.0%)
35 y/oHK$5,602 (+6.0%)
40 y/oHK$6,710 (+6.0%)
45 y/oHK$8,038 (+6.0%)
50 y/oHK$9,097 (+6.0%)
55 y/oHK$9,723 (+6.0%)
60 y/oHK$11,485 (+6.0%)
65 y/oHK$15,461 (+6.0%)
70 y/oHK$18,866 (+6.0%)
75 y/oHK$23,361 (+6.4%)
80 y/oHK$29,225 (+6.5%)
85 y/oHK$33,110 (+6.5%)
90 y/oHK$35,319 (+6.5%)
95 y/oHK$37,653 (+6.5%)
99 y/oHK$39,616 (+6.5%)
+6.0%
All-ages avg
0 y/oHK$4,500 (+6.0%)
5 y/oHK$3,363 (+6.0%)
10 y/oHK$2,511 (+6.0%)
15 y/oHK$2,633 (+6.0%)
20 y/oHK$3,304 (+6.0%)
25 y/oHK$4,126 (+6.0%)
30 y/oHK$4,793 (+6.0%)
35 y/oHK$5,938 (+6.0%)
40 y/oHK$7,113 (+6.0%)
45 y/oHK$8,520 (+6.0%)
50 y/oHK$9,643 (+6.0%)
55 y/oHK$10,306 (+6.0%)
60 y/oHK$12,174 (+6.0%)
65 y/oHK$16,389 (+6.0%)
70 y/oHK$19,998 (+6.0%)
75 y/oHK$24,763 (+6.0%)
80 y/oHK$30,979 (+6.0%)
85 y/oHK$35,097 (+6.0%)
90 y/oHK$37,438 (+6.0%)
95 y/oHK$39,912 (+6.0%)
99 y/oHK$41,993 (+6.0%)
+4.0%
All-ages avg
0 y/oHK$4,680 (+4.0%)
5 y/oHK$3,498 (+4.0%)
10 y/oHK$2,611 (+4.0%)
15 y/oHK$2,738 (+4.0%)
20 y/oHK$3,436 (+4.0%)
25 y/oHK$4,291 (+4.0%)
30 y/oHK$4,985 (+4.0%)
35 y/oHK$6,176 (+4.0%)
40 y/oHK$7,398 (+4.0%)
45 y/oHK$8,861 (+4.0%)
50 y/oHK$10,029 (+4.0%)
55 y/oHK$10,718 (+4.0%)
60 y/oHK$12,661 (+4.0%)
65 y/oHK$17,045 (+4.0%)
70 y/oHK$20,798 (+4.0%)
75 y/oHK$25,754 (+4.0%)
80 y/oHK$32,218 (+4.0%)
85 y/oHK$36,501 (+4.0%)
90 y/oHK$38,936 (+4.0%)
95 y/oHK$41,508 (+4.0%)
99 y/oHK$43,673 (+4.0%)
+7.7%
All-ages avg
0 y/oHK$5,101 (+9.0%)
5 y/oHK$3,813 (+9.0%)
10 y/oHK$2,768 (+6.0%)
15 y/oHK$2,902 (+6.0%)
20 y/oHK$3,642 (+6.0%)
25 y/oHK$4,548 (+6.0%)
30 y/oHK$5,284 (+6.0%)
35 y/oHK$6,547 (+6.0%)
40 y/oHK$7,842 (+6.0%)
45 y/oHK$9,393 (+6.0%)
50 y/oHK$10,681 (+6.5%)
55 y/oHK$11,683 (+9.0%)
60 y/oHK$13,800 (+9.0%)
65 y/oHK$18,579 (+9.0%)
70 y/oHK$22,670 (+9.0%)
75 y/oHK$28,072 (+9.0%)
80 y/oHK$35,118 (+9.0%)
85 y/oHK$39,786 (+9.0%)
90 y/oHK$42,440 (+9.0%)
95 y/oHK$45,244 (+9.0%)
99 y/oHK$47,604 (+9.0%)
0.0%
All-ages avg
0 y/oHK$5,101
5 y/oHK$3,813
10 y/oHK$2,768
15 y/oHK$2,902
20 y/oHK$3,642
25 y/oHK$4,548
30 y/oHK$5,284
35 y/oHK$6,547
40 y/oHK$7,842
45 y/oHK$9,393
50 y/oHK$10,681
55 y/oHK$11,683
60 y/oHK$13,800
65 y/oHK$18,579
70 y/oHK$22,670
75 y/oHK$28,072
80 y/oHK$35,118
85 y/oHK$39,786
90 y/oHK$42,440
95 y/oHK$45,244
99 y/oHK$47,604
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+3.06%
20 y/o+3.05%
25 y/o+3.05%
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.