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Manulife First VHIS Flexi Plan - Private Room with SMM Plus
宏利全護航自願醫保靈活計劃 - 私家房+特級高額醫療保障
Manulife (International) Limited · F00019-03-002 · 6 versions · Flexi plan · Avg. annual increase +3.37%
Male
| Age | F00019-03-002-01 2019-04-01 | F00019-03-002-02 2021-01-01 | F00019-03-002-03 2022-10-01 | F00019-03-002-03 2024-06-29 | F00019-03-002-04 2025-06-29 | F00019-03-002-06 2025-12-05 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$16,426 | HK$17,494 (+6.5%) | HK$18,544 (+6.0%) | HK$19,286 (+4.0%) | HK$21,022 (+9.0%) | HK$21,022 | +3.53% |
| 5 | HK$11,968 | HK$12,745 (+6.5%) | HK$13,510 (+6.0%) | HK$14,050 (+4.0%) | HK$15,315 (+9.0%) | HK$15,315 | +3.53% |
| 10 | HK$9,019 | HK$9,605 (+6.5%) | HK$10,181 (+6.0%) | HK$10,588 (+4.0%) | HK$11,223 (+6.0%) | HK$11,223 | +3.12% |
| 15 | HK$8,489 | HK$9,038 (+6.5%) | HK$9,580 (+6.0%) | HK$9,963 (+4.0%) | HK$10,561 (+6.0%) | HK$10,561 | +3.12% |
| 20 | HK$11,172 | HK$11,898 (+6.5%) | HK$12,612 (+6.0%) | HK$13,116 (+4.0%) | HK$13,903 (+6.0%) | HK$13,903 | +3.12% |
| 25 | HK$13,458 | HK$14,332 (+6.5%) | HK$15,192 (+6.0%) | HK$15,800 (+4.0%) | HK$16,748 (+6.0%) | HK$16,748 | +3.12% |
| 30 | HK$14,516 | HK$15,458 (+6.5%) | HK$16,385 (+6.0%) | HK$17,040 (+4.0%) | HK$18,062 (+6.0%) | HK$18,062 | +3.12% |
| 35 | HK$16,460 | HK$17,528 (+6.5%) | HK$18,580 (+6.0%) | HK$19,323 (+4.0%) | HK$20,482 (+6.0%) | HK$20,482 | +3.12% |
| 40 | HK$19,087 | HK$20,325 (+6.5%) | HK$21,545 (+6.0%) | HK$22,407 (+4.0%) | HK$23,751 (+6.0%) | HK$23,751 | +3.12% |
| 45 | HK$22,982 | HK$24,473 (+6.5%) | HK$25,941 (+6.0%) | HK$26,979 (+4.0%) | HK$28,598 (+6.0%) | HK$28,598 | +3.12% |
| 50 | HK$29,294 | HK$31,195 (+6.5%) | HK$33,067 (+6.0%) | HK$34,390 (+4.0%) | HK$36,625 (+6.5%) | HK$36,625 | +3.19% |
| 55 | HK$37,866 | HK$40,513 (+7.0%) | HK$42,944 (+6.0%) | HK$44,662 (+4.0%) | HK$48,682 (+9.0%) | HK$48,682 | +3.60% |
| 60 | HK$47,360 | HK$50,435 (+6.5%) | HK$53,461 (+6.0%) | HK$55,599 (+4.0%) | HK$60,603 (+9.0%) | HK$60,603 | +3.53% |
| 65 | HK$64,765 | HK$68,973 (+6.5%) | HK$73,111 (+6.0%) | HK$76,035 (+4.0%) | HK$82,878 (+9.0%) | HK$82,878 | +3.53% |
| 70 | HK$80,189 | HK$85,398 (+6.5%) | HK$90,522 (+6.0%) | HK$94,143 (+4.0%) | HK$102,616 (+9.0%) | HK$102,616 | +3.53% |
| 75 | HK$97,136 | HK$103,852 (+6.9%) | HK$110,083 (+6.0%) | HK$114,486 (+4.0%) | HK$124,790 (+9.0%) | HK$124,790 | +3.59% |
| 80 | HK$118,413 | HK$126,697 (+7.0%) | HK$134,299 (+6.0%) | HK$139,671 (+4.0%) | HK$152,241 (+9.0%) | HK$152,241 | +3.60% |
| 85 | HK$132,266 | HK$141,520 (+7.0%) | HK$150,011 (+6.0%) | HK$156,011 (+4.0%) | HK$170,052 (+9.0%) | HK$170,052 | +3.60% |
| 90 | HK$141,102 | HK$150,974 (+7.0%) | HK$160,032 (+6.0%) | HK$166,433 (+4.0%) | HK$181,412 (+9.0%) | HK$181,412 | +3.60% |
| 95 | HK$150,428 | HK$160,953 (+7.0%) | HK$170,610 (+6.0%) | HK$177,434 (+4.0%) | HK$193,403 (+9.0%) | HK$193,403 | +3.60% |
| 99 | HK$158,283 | HK$169,356 (+7.0%) | HK$179,517 (+6.0%) | HK$186,698 (+4.0%) | HK$203,501 (+9.0%) | HK$203,501 | +3.60% |
| All ages average | — | +6.7% | +6.0% | +4.0% | +7.7% | 0.0% | — |
0 y/oHK$16,426
5 y/oHK$11,968
10 y/oHK$9,019
15 y/oHK$8,489
20 y/oHK$11,172
25 y/oHK$13,458
30 y/oHK$14,516
35 y/oHK$16,460
40 y/oHK$19,087
45 y/oHK$22,982
50 y/oHK$29,294
55 y/oHK$37,866
60 y/oHK$47,360
65 y/oHK$64,765
70 y/oHK$80,189
75 y/oHK$97,136
80 y/oHK$118,413
85 y/oHK$132,266
90 y/oHK$141,102
95 y/oHK$150,428
99 y/oHK$158,283
+6.7%
All-ages avg
0 y/oHK$17,494 (+6.5%)
5 y/oHK$12,745 (+6.5%)
10 y/oHK$9,605 (+6.5%)
15 y/oHK$9,038 (+6.5%)
20 y/oHK$11,898 (+6.5%)
25 y/oHK$14,332 (+6.5%)
30 y/oHK$15,458 (+6.5%)
35 y/oHK$17,528 (+6.5%)
40 y/oHK$20,325 (+6.5%)
45 y/oHK$24,473 (+6.5%)
50 y/oHK$31,195 (+6.5%)
55 y/oHK$40,513 (+7.0%)
60 y/oHK$50,435 (+6.5%)
65 y/oHK$68,973 (+6.5%)
70 y/oHK$85,398 (+6.5%)
75 y/oHK$103,852 (+6.9%)
80 y/oHK$126,697 (+7.0%)
85 y/oHK$141,520 (+7.0%)
90 y/oHK$150,974 (+7.0%)
95 y/oHK$160,953 (+7.0%)
99 y/oHK$169,356 (+7.0%)
+6.0%
All-ages avg
0 y/oHK$18,544 (+6.0%)
5 y/oHK$13,510 (+6.0%)
10 y/oHK$10,181 (+6.0%)
15 y/oHK$9,580 (+6.0%)
20 y/oHK$12,612 (+6.0%)
25 y/oHK$15,192 (+6.0%)
30 y/oHK$16,385 (+6.0%)
35 y/oHK$18,580 (+6.0%)
40 y/oHK$21,545 (+6.0%)
45 y/oHK$25,941 (+6.0%)
50 y/oHK$33,067 (+6.0%)
55 y/oHK$42,944 (+6.0%)
60 y/oHK$53,461 (+6.0%)
65 y/oHK$73,111 (+6.0%)
70 y/oHK$90,522 (+6.0%)
75 y/oHK$110,083 (+6.0%)
80 y/oHK$134,299 (+6.0%)
85 y/oHK$150,011 (+6.0%)
90 y/oHK$160,032 (+6.0%)
95 y/oHK$170,610 (+6.0%)
99 y/oHK$179,517 (+6.0%)
+4.0%
All-ages avg
0 y/oHK$19,286 (+4.0%)
5 y/oHK$14,050 (+4.0%)
10 y/oHK$10,588 (+4.0%)
15 y/oHK$9,963 (+4.0%)
20 y/oHK$13,116 (+4.0%)
25 y/oHK$15,800 (+4.0%)
30 y/oHK$17,040 (+4.0%)
35 y/oHK$19,323 (+4.0%)
40 y/oHK$22,407 (+4.0%)
45 y/oHK$26,979 (+4.0%)
50 y/oHK$34,390 (+4.0%)
55 y/oHK$44,662 (+4.0%)
60 y/oHK$55,599 (+4.0%)
65 y/oHK$76,035 (+4.0%)
70 y/oHK$94,143 (+4.0%)
75 y/oHK$114,486 (+4.0%)
80 y/oHK$139,671 (+4.0%)
85 y/oHK$156,011 (+4.0%)
90 y/oHK$166,433 (+4.0%)
95 y/oHK$177,434 (+4.0%)
99 y/oHK$186,698 (+4.0%)
+7.7%
All-ages avg
0 y/oHK$21,022 (+9.0%)
5 y/oHK$15,315 (+9.0%)
10 y/oHK$11,223 (+6.0%)
15 y/oHK$10,561 (+6.0%)
20 y/oHK$13,903 (+6.0%)
25 y/oHK$16,748 (+6.0%)
30 y/oHK$18,062 (+6.0%)
35 y/oHK$20,482 (+6.0%)
40 y/oHK$23,751 (+6.0%)
45 y/oHK$28,598 (+6.0%)
50 y/oHK$36,625 (+6.5%)
55 y/oHK$48,682 (+9.0%)
60 y/oHK$60,603 (+9.0%)
65 y/oHK$82,878 (+9.0%)
70 y/oHK$102,616 (+9.0%)
75 y/oHK$124,790 (+9.0%)
80 y/oHK$152,241 (+9.0%)
85 y/oHK$170,052 (+9.0%)
90 y/oHK$181,412 (+9.0%)
95 y/oHK$193,403 (+9.0%)
99 y/oHK$203,501 (+9.0%)
0.0%
All-ages avg
0 y/oHK$21,022
5 y/oHK$15,315
10 y/oHK$11,223
15 y/oHK$10,561
20 y/oHK$13,903
25 y/oHK$16,748
30 y/oHK$18,062
35 y/oHK$20,482
40 y/oHK$23,751
45 y/oHK$28,598
50 y/oHK$36,625
55 y/oHK$48,682
60 y/oHK$60,603
65 y/oHK$82,878
70 y/oHK$102,616
75 y/oHK$124,790
80 y/oHK$152,241
85 y/oHK$170,052
90 y/oHK$181,412
95 y/oHK$193,403
99 y/oHK$203,501
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+3.53%
5 y/o+3.53%
10 y/o+3.12%
15 y/o+3.12%
20 y/o+3.12%
25 y/o+3.12%
30 y/o+3.12%
35 y/o+3.12%
40 y/o+3.12%
45 y/o+3.12%
50 y/o+3.19%
55 y/o+3.60%
60 y/o+3.53%
65 y/o+3.53%
70 y/o+3.53%
75 y/o+3.59%
80 y/o+3.60%
85 y/o+3.60%
90 y/o+3.60%
95 y/o+3.60%
99 y/o+3.60%
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 | F00019-03-002-01 2019-04-01 | F00019-03-002-02 2021-01-01 | F00019-03-002-03 2022-10-01 | F00019-03-002-03 2024-06-29 | F00019-03-002-04 2025-06-29 | F00019-03-002-06 2025-12-05 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$15,062 | HK$16,040 (+6.5%) | HK$17,002 (+6.0%) | HK$17,682 (+4.0%) | HK$19,273 (+9.0%) | HK$19,273 | +3.53% |
| 5 | HK$11,259 | HK$11,989 (+6.5%) | HK$12,708 (+6.0%) | HK$13,216 (+4.0%) | HK$14,405 (+9.0%) | HK$14,405 | +3.53% |
| 10 | HK$8,405 | HK$8,951 (+6.5%) | HK$9,488 (+6.0%) | HK$9,868 (+4.0%) | HK$10,460 (+6.0%) | HK$10,460 | +3.12% |
| 15 | HK$8,812 | HK$9,386 (+6.5%) | HK$9,949 (+6.0%) | HK$10,347 (+4.0%) | HK$10,968 (+6.0%) | HK$10,968 | +3.13% |
| 20 | HK$11,061 | HK$11,778 (+6.5%) | HK$12,485 (+6.0%) | HK$12,984 (+4.0%) | HK$13,763 (+6.0%) | HK$13,763 | +3.12% |
| 25 | HK$13,809 | HK$14,706 (+6.5%) | HK$15,588 (+6.0%) | HK$16,212 (+4.0%) | HK$17,185 (+6.0%) | HK$17,185 | +3.12% |
| 30 | HK$16,043 | HK$17,086 (+6.5%) | HK$18,111 (+6.0%) | HK$18,835 (+4.0%) | HK$19,965 (+6.0%) | HK$19,965 | +3.12% |
| 35 | HK$19,875 | HK$21,167 (+6.5%) | HK$22,437 (+6.0%) | HK$23,334 (+4.0%) | HK$24,734 (+6.0%) | HK$24,734 | +3.12% |
| 40 | HK$23,806 | HK$25,354 (+6.5%) | HK$26,875 (+6.0%) | HK$27,950 (+4.0%) | HK$29,627 (+6.0%) | HK$29,627 | +3.12% |
| 45 | HK$28,519 | HK$30,372 (+6.5%) | HK$32,194 (+6.0%) | HK$33,482 (+4.0%) | HK$35,491 (+6.0%) | HK$35,491 | +3.12% |
| 50 | HK$32,279 | HK$34,373 (+6.5%) | HK$36,435 (+6.0%) | HK$37,892 (+4.0%) | HK$40,355 (+6.5%) | HK$40,355 | +3.19% |
| 55 | HK$34,499 | HK$36,738 (+6.5%) | HK$38,942 (+6.0%) | HK$40,500 (+4.0%) | HK$44,145 (+9.0%) | HK$44,145 | +3.53% |
| 60 | HK$40,751 | HK$43,396 (+6.5%) | HK$46,000 (+6.0%) | HK$47,840 (+4.0%) | HK$52,146 (+9.0%) | HK$52,146 | +3.53% |
| 65 | HK$54,858 | HK$58,419 (+6.5%) | HK$61,924 (+6.0%) | HK$64,401 (+4.0%) | HK$70,197 (+9.0%) | HK$70,197 | +3.53% |
| 70 | HK$66,937 | HK$71,285 (+6.5%) | HK$75,562 (+6.0%) | HK$78,584 (+4.0%) | HK$85,657 (+9.0%) | HK$85,657 | +3.53% |
| 75 | HK$82,562 | HK$88,270 (+6.9%) | HK$93,566 (+6.0%) | HK$97,309 (+4.0%) | HK$106,067 (+9.0%) | HK$106,067 | +3.59% |
| 80 | HK$103,207 | HK$110,427 (+7.0%) | HK$117,053 (+6.0%) | HK$121,735 (+4.0%) | HK$132,691 (+9.0%) | HK$132,691 | +3.60% |
| 85 | HK$116,924 | HK$125,106 (+7.0%) | HK$132,612 (+6.0%) | HK$137,916 (+4.0%) | HK$150,328 (+9.0%) | HK$150,328 | +3.60% |
| 90 | HK$124,727 | HK$133,453 (+7.0%) | HK$141,460 (+6.0%) | HK$147,118 (+4.0%) | HK$160,359 (+9.0%) | HK$160,359 | +3.60% |
| 95 | HK$132,970 | HK$142,272 (+7.0%) | HK$150,808 (+6.0%) | HK$156,840 (+4.0%) | HK$170,956 (+9.0%) | HK$170,956 | +3.60% |
| 99 | HK$139,900 | HK$149,689 (+7.0%) | HK$158,670 (+6.0%) | HK$165,017 (+4.0%) | HK$179,869 (+9.0%) | HK$179,869 | +3.60% |
| All ages average | — | +6.6% | +6.0% | +4.0% | +7.7% | 0.0% | — |
0 y/oHK$15,062
5 y/oHK$11,259
10 y/oHK$8,405
15 y/oHK$8,812
20 y/oHK$11,061
25 y/oHK$13,809
30 y/oHK$16,043
35 y/oHK$19,875
40 y/oHK$23,806
45 y/oHK$28,519
50 y/oHK$32,279
55 y/oHK$34,499
60 y/oHK$40,751
65 y/oHK$54,858
70 y/oHK$66,937
75 y/oHK$82,562
80 y/oHK$103,207
85 y/oHK$116,924
90 y/oHK$124,727
95 y/oHK$132,970
99 y/oHK$139,900
+6.6%
All-ages avg
0 y/oHK$16,040 (+6.5%)
5 y/oHK$11,989 (+6.5%)
10 y/oHK$8,951 (+6.5%)
15 y/oHK$9,386 (+6.5%)
20 y/oHK$11,778 (+6.5%)
25 y/oHK$14,706 (+6.5%)
30 y/oHK$17,086 (+6.5%)
35 y/oHK$21,167 (+6.5%)
40 y/oHK$25,354 (+6.5%)
45 y/oHK$30,372 (+6.5%)
50 y/oHK$34,373 (+6.5%)
55 y/oHK$36,738 (+6.5%)
60 y/oHK$43,396 (+6.5%)
65 y/oHK$58,419 (+6.5%)
70 y/oHK$71,285 (+6.5%)
75 y/oHK$88,270 (+6.9%)
80 y/oHK$110,427 (+7.0%)
85 y/oHK$125,106 (+7.0%)
90 y/oHK$133,453 (+7.0%)
95 y/oHK$142,272 (+7.0%)
99 y/oHK$149,689 (+7.0%)
+6.0%
All-ages avg
0 y/oHK$17,002 (+6.0%)
5 y/oHK$12,708 (+6.0%)
10 y/oHK$9,488 (+6.0%)
15 y/oHK$9,949 (+6.0%)
20 y/oHK$12,485 (+6.0%)
25 y/oHK$15,588 (+6.0%)
30 y/oHK$18,111 (+6.0%)
35 y/oHK$22,437 (+6.0%)
40 y/oHK$26,875 (+6.0%)
45 y/oHK$32,194 (+6.0%)
50 y/oHK$36,435 (+6.0%)
55 y/oHK$38,942 (+6.0%)
60 y/oHK$46,000 (+6.0%)
65 y/oHK$61,924 (+6.0%)
70 y/oHK$75,562 (+6.0%)
75 y/oHK$93,566 (+6.0%)
80 y/oHK$117,053 (+6.0%)
85 y/oHK$132,612 (+6.0%)
90 y/oHK$141,460 (+6.0%)
95 y/oHK$150,808 (+6.0%)
99 y/oHK$158,670 (+6.0%)
+4.0%
All-ages avg
0 y/oHK$17,682 (+4.0%)
5 y/oHK$13,216 (+4.0%)
10 y/oHK$9,868 (+4.0%)
15 y/oHK$10,347 (+4.0%)
20 y/oHK$12,984 (+4.0%)
25 y/oHK$16,212 (+4.0%)
30 y/oHK$18,835 (+4.0%)
35 y/oHK$23,334 (+4.0%)
40 y/oHK$27,950 (+4.0%)
45 y/oHK$33,482 (+4.0%)
50 y/oHK$37,892 (+4.0%)
55 y/oHK$40,500 (+4.0%)
60 y/oHK$47,840 (+4.0%)
65 y/oHK$64,401 (+4.0%)
70 y/oHK$78,584 (+4.0%)
75 y/oHK$97,309 (+4.0%)
80 y/oHK$121,735 (+4.0%)
85 y/oHK$137,916 (+4.0%)
90 y/oHK$147,118 (+4.0%)
95 y/oHK$156,840 (+4.0%)
99 y/oHK$165,017 (+4.0%)
+7.7%
All-ages avg
0 y/oHK$19,273 (+9.0%)
5 y/oHK$14,405 (+9.0%)
10 y/oHK$10,460 (+6.0%)
15 y/oHK$10,968 (+6.0%)
20 y/oHK$13,763 (+6.0%)
25 y/oHK$17,185 (+6.0%)
30 y/oHK$19,965 (+6.0%)
35 y/oHK$24,734 (+6.0%)
40 y/oHK$29,627 (+6.0%)
45 y/oHK$35,491 (+6.0%)
50 y/oHK$40,355 (+6.5%)
55 y/oHK$44,145 (+9.0%)
60 y/oHK$52,146 (+9.0%)
65 y/oHK$70,197 (+9.0%)
70 y/oHK$85,657 (+9.0%)
75 y/oHK$106,067 (+9.0%)
80 y/oHK$132,691 (+9.0%)
85 y/oHK$150,328 (+9.0%)
90 y/oHK$160,359 (+9.0%)
95 y/oHK$170,956 (+9.0%)
99 y/oHK$179,869 (+9.0%)
0.0%
All-ages avg
0 y/oHK$19,273
5 y/oHK$14,405
10 y/oHK$10,460
15 y/oHK$10,968
20 y/oHK$13,763
25 y/oHK$17,185
30 y/oHK$19,965
35 y/oHK$24,734
40 y/oHK$29,627
45 y/oHK$35,491
50 y/oHK$40,355
55 y/oHK$44,145
60 y/oHK$52,146
65 y/oHK$70,197
70 y/oHK$85,657
75 y/oHK$106,067
80 y/oHK$132,691
85 y/oHK$150,328
90 y/oHK$160,359
95 y/oHK$170,956
99 y/oHK$179,869
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+3.53%
5 y/o+3.53%
10 y/o+3.12%
15 y/o+3.13%
20 y/o+3.12%
25 y/o+3.12%
30 y/o+3.12%
35 y/o+3.12%
40 y/o+3.12%
45 y/o+3.12%
50 y/o+3.19%
55 y/o+3.53%
60 y/o+3.53%
65 y/o+3.53%
70 y/o+3.53%
75 y/o+3.59%
80 y/o+3.60%
85 y/o+3.60%
90 y/o+3.60%
95 y/o+3.60%
99 y/o+3.60%
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.