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Smart Medicare - Regular with SMM (HKD)
真智安心醫療保障 - 標準+額外醫療附加保障 (港元)
AXA China Region Insurance Company Limited · F00018-01-001 · 7 versions · Flexi plan · Avg. annual increase +2.41%
HKD
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| Age | 2019-04-01 | 2020-04-01 | 2021-03-22 | 2023-07-31 | 2024-07-02 | 2025-07-02 | Latest 2026-07-02 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 y/o | HK$4,031 | HK$4,149 (+2.9%) | HK$4,149 | HK$4,149 | HK$4,332 (+4.4%) | HK$4,523 (+4.4%) | HK$4,745 (+4.9%) | +2.21% |
| 5 y/o | HK$2,769 | HK$2,850 (+2.9%) | HK$2,850 | HK$2,850 | HK$2,974 (+4.4%) | HK$3,104 (+4.4%) | HK$3,255 (+4.9%) | +2.19% |
| 10 y/o | HK$2,718 | HK$2,797 (+2.9%) | HK$2,797 | HK$2,797 | HK$2,919 (+4.4%) | HK$3,046 (+4.4%) | HK$3,194 (+4.9%) | +2.19% |
| 15 y/o | HK$2,722 | HK$2,801 (+2.9%) | HK$2,801 | HK$2,801 | HK$2,923 (+4.4%) | HK$3,051 (+4.4%) | HK$3,199 (+4.9%) | +2.19% |
| 20 y/o | HK$2,861 | HK$2,944 (+2.9%) | HK$2,944 | HK$2,944 | HK$3,101 (+5.3%) | HK$3,237 (+4.4%) | HK$3,394 (+4.9%) | +2.32% |
| 25 y/o | HK$3,140 | HK$3,232 (+2.9%) | HK$3,232 | HK$3,232 | HK$3,405 (+5.4%) | HK$3,554 (+4.4%) | HK$3,727 (+4.9%) | +2.33% |
| 30 y/o | HK$3,568 | HK$3,673 (+2.9%) | HK$3,673 | HK$3,673 | HK$3,888 (+5.9%) | HK$4,059 (+4.4%) | HK$4,257 (+4.9%) | +2.40% |
| 35 y/o | HK$3,955 | HK$4,071 (+2.9%) | HK$4,071 | HK$4,071 | HK$4,310 (+5.9%) | HK$4,500 (+4.4%) | HK$4,720 (+4.9%) | +2.40% |
| 40 y/o | HK$4,675 | HK$4,813 (+3.0%) | HK$4,813 | HK$4,813 | HK$5,096 (+5.9%) | HK$5,321 (+4.4%) | HK$5,583 (+4.9%) | +2.41% |
| 45 y/o | HK$5,655 | HK$5,822 (+3.0%) | HK$5,822 | HK$5,822 | HK$6,166 (+5.9%) | HK$6,439 (+4.4%) | HK$6,756 (+4.9%) | +2.41% |
| 50 y/o | HK$7,005 | HK$7,213 (+3.0%) | HK$7,213 | HK$7,213 | HK$7,747 (+7.4%) | HK$8,092 (+4.5%) | HK$8,492 (+4.9%) | +2.62% |
| 55 y/o | HK$8,878 | HK$9,142 (+3.0%) | HK$9,142 | HK$9,142 | HK$9,821 (+7.4%) | HK$10,259 (+4.5%) | HK$10,767 (+5.0%) | +2.62% |
| 60 y/o | HK$11,326 | HK$11,663 (+3.0%) | HK$11,663 | HK$11,663 | HK$12,531 (+7.4%) | HK$13,091 (+4.5%) | HK$13,741 (+5.0%) | +2.63% |
| 65 y/o | HK$14,782 | HK$15,223 (+3.0%) | HK$15,223 | HK$15,223 | HK$16,358 (+7.5%) | HK$17,090 (+4.5%) | HK$17,940 (+5.0%) | +2.63% |
| 70 y/o | HK$18,900 | HK$19,464 (+3.0%) | HK$19,464 | HK$19,464 | HK$20,626 (+6.0%) | HK$21,550 (+4.5%) | HK$22,623 (+5.0%) | +2.44% |
| 75 y/o | HK$22,493 | HK$23,165 (+3.0%) | HK$23,165 | HK$23,165 | HK$24,549 (+6.0%) | HK$25,650 (+4.5%) | HK$26,928 (+5.0%) | +2.44% |
| 80 y/o | HK$22,763 | HK$23,443 (+3.0%) | HK$23,443 | HK$23,443 | HK$24,844 (+6.0%) | HK$25,958 (+4.5%) | HK$27,251 (+5.0%) | +2.44% |
| 85 y/o | HK$23,217 | HK$23,911 (+3.0%) | HK$23,911 | HK$23,911 | HK$25,340 (+6.0%) | HK$26,476 (+4.5%) | HK$27,795 (+5.0%) | +2.44% |
| 90 y/o | HK$23,707 | HK$24,416 (+3.0%) | HK$24,416 | HK$24,416 | HK$25,875 (+6.0%) | HK$27,035 (+4.5%) | HK$28,382 (+5.0%) | +2.44% |
| 95 y/o | HK$24,300 | HK$25,026 (+3.0%) | HK$25,026 | HK$25,026 | HK$26,522 (+6.0%) | HK$27,711 (+4.5%) | HK$29,092 (+5.0%) | +2.44% |
| 99 y/o | HK$24,785 | HK$25,526 (+3.0%) | HK$25,526 | HK$25,526 | HK$27,052 (+6.0%) | HK$28,265 (+4.5%) | HK$29,674 (+5.0%) | +2.44% |
| All ages average | — | +3.0% | 0.0% | 0.0% | +5.9% | +4.4% | +4.9% | — |
0 y/oHK$4,031
5 y/oHK$2,769
10 y/oHK$2,718
15 y/oHK$2,722
20 y/oHK$2,861
25 y/oHK$3,140
30 y/oHK$3,568
35 y/oHK$3,955
40 y/oHK$4,675
45 y/oHK$5,655
50 y/oHK$7,005
55 y/oHK$8,878
60 y/oHK$11,326
65 y/oHK$14,782
70 y/oHK$18,900
75 y/oHK$22,493
80 y/oHK$22,763
85 y/oHK$23,217
90 y/oHK$23,707
95 y/oHK$24,300
99 y/oHK$24,785
+3.0%
All-ages avg
0 y/oHK$4,149 (+2.9%)
5 y/oHK$2,850 (+2.9%)
10 y/oHK$2,797 (+2.9%)
15 y/oHK$2,801 (+2.9%)
20 y/oHK$2,944 (+2.9%)
25 y/oHK$3,232 (+2.9%)
30 y/oHK$3,673 (+2.9%)
35 y/oHK$4,071 (+2.9%)
40 y/oHK$4,813 (+3.0%)
45 y/oHK$5,822 (+3.0%)
50 y/oHK$7,213 (+3.0%)
55 y/oHK$9,142 (+3.0%)
60 y/oHK$11,663 (+3.0%)
65 y/oHK$15,223 (+3.0%)
70 y/oHK$19,464 (+3.0%)
75 y/oHK$23,165 (+3.0%)
80 y/oHK$23,443 (+3.0%)
85 y/oHK$23,911 (+3.0%)
90 y/oHK$24,416 (+3.0%)
95 y/oHK$25,026 (+3.0%)
99 y/oHK$25,526 (+3.0%)
0.0%
All-ages avg
0 y/oHK$4,149
5 y/oHK$2,850
10 y/oHK$2,797
15 y/oHK$2,801
20 y/oHK$2,944
25 y/oHK$3,232
30 y/oHK$3,673
35 y/oHK$4,071
40 y/oHK$4,813
45 y/oHK$5,822
50 y/oHK$7,213
55 y/oHK$9,142
60 y/oHK$11,663
65 y/oHK$15,223
70 y/oHK$19,464
75 y/oHK$23,165
80 y/oHK$23,443
85 y/oHK$23,911
90 y/oHK$24,416
95 y/oHK$25,026
99 y/oHK$25,526
0.0%
All-ages avg
0 y/oHK$4,149
5 y/oHK$2,850
10 y/oHK$2,797
15 y/oHK$2,801
20 y/oHK$2,944
25 y/oHK$3,232
30 y/oHK$3,673
35 y/oHK$4,071
40 y/oHK$4,813
45 y/oHK$5,822
50 y/oHK$7,213
55 y/oHK$9,142
60 y/oHK$11,663
65 y/oHK$15,223
70 y/oHK$19,464
75 y/oHK$23,165
80 y/oHK$23,443
85 y/oHK$23,911
90 y/oHK$24,416
95 y/oHK$25,026
99 y/oHK$25,526
+5.9%
All-ages avg
0 y/oHK$4,332 (+4.4%)
5 y/oHK$2,974 (+4.4%)
10 y/oHK$2,919 (+4.4%)
15 y/oHK$2,923 (+4.4%)
20 y/oHK$3,101 (+5.3%)
25 y/oHK$3,405 (+5.4%)
30 y/oHK$3,888 (+5.9%)
35 y/oHK$4,310 (+5.9%)
40 y/oHK$5,096 (+5.9%)
45 y/oHK$6,166 (+5.9%)
50 y/oHK$7,747 (+7.4%)
55 y/oHK$9,821 (+7.4%)
60 y/oHK$12,531 (+7.4%)
65 y/oHK$16,358 (+7.5%)
70 y/oHK$20,626 (+6.0%)
75 y/oHK$24,549 (+6.0%)
80 y/oHK$24,844 (+6.0%)
85 y/oHK$25,340 (+6.0%)
90 y/oHK$25,875 (+6.0%)
95 y/oHK$26,522 (+6.0%)
99 y/oHK$27,052 (+6.0%)
+4.4%
All-ages avg
0 y/oHK$4,523 (+4.4%)
5 y/oHK$3,104 (+4.4%)
10 y/oHK$3,046 (+4.4%)
15 y/oHK$3,051 (+4.4%)
20 y/oHK$3,237 (+4.4%)
25 y/oHK$3,554 (+4.4%)
30 y/oHK$4,059 (+4.4%)
35 y/oHK$4,500 (+4.4%)
40 y/oHK$5,321 (+4.4%)
45 y/oHK$6,439 (+4.4%)
50 y/oHK$8,092 (+4.5%)
55 y/oHK$10,259 (+4.5%)
60 y/oHK$13,091 (+4.5%)
65 y/oHK$17,090 (+4.5%)
70 y/oHK$21,550 (+4.5%)
75 y/oHK$25,650 (+4.5%)
80 y/oHK$25,958 (+4.5%)
85 y/oHK$26,476 (+4.5%)
90 y/oHK$27,035 (+4.5%)
95 y/oHK$27,711 (+4.5%)
99 y/oHK$28,265 (+4.5%)
+4.9%
All-ages avg
0 y/oHK$4,745 (+4.9%)
5 y/oHK$3,255 (+4.9%)
10 y/oHK$3,194 (+4.9%)
15 y/oHK$3,199 (+4.9%)
20 y/oHK$3,394 (+4.9%)
25 y/oHK$3,727 (+4.9%)
30 y/oHK$4,257 (+4.9%)
35 y/oHK$4,720 (+4.9%)
40 y/oHK$5,583 (+4.9%)
45 y/oHK$6,756 (+4.9%)
50 y/oHK$8,492 (+4.9%)
55 y/oHK$10,767 (+5.0%)
60 y/oHK$13,741 (+5.0%)
65 y/oHK$17,940 (+5.0%)
70 y/oHK$22,623 (+5.0%)
75 y/oHK$26,928 (+5.0%)
80 y/oHK$27,251 (+5.0%)
85 y/oHK$27,795 (+5.0%)
90 y/oHK$28,382 (+5.0%)
95 y/oHK$29,092 (+5.0%)
99 y/oHK$29,674 (+5.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+2.21%
5 y/o+2.19%
10 y/o+2.19%
15 y/o+2.19%
20 y/o+2.32%
25 y/o+2.33%
30 y/o+2.40%
35 y/o+2.40%
40 y/o+2.41%
45 y/o+2.41%
50 y/o+2.62%
55 y/o+2.62%
60 y/o+2.63%
65 y/o+2.63%
70 y/o+2.44%
75 y/o+2.44%
80 y/o+2.44%
85 y/o+2.44%
90 y/o+2.44%
95 y/o+2.44%
99 y/o+2.44%
Notes & sources
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.The male and female matrices each show that gender's own annualized rate; the plan-overview figure is the average of both genders.· as of 2026-09-15
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.