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AXA WiseGuard Pro Medical Insurance Plan - Enhance (HKD0 Deductible)
AXA安盛智尊守慧醫療保障 - 卓越（0 港元自付費）
AXA China Region Insurance Company (Bermuda) Limited · F00034-04-000 · 9 versions · Flexi plan · Avg. annual increase +4.67%
Same premium for both sexesHKD
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| Age | 2019-07-25 | 2021-03-22 | 2022-05-23 | 2023-05-10 | 2023-07-31 | 2024-09-09 | 2025-09-09 | 2026-01-26 | Latest 2026-09-09 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|---|---|
| 0 y/o | HK$7,545 | HK$7,545 | HK$7,545 | HK$7,696 (+2.0%) | HK$7,696 | HK$8,428 (+9.5%) | HK$9,482 (+12.5%) | HK$9,482 | HK$10,383 (+9.5%) | +4.57% |
| 5 y/o | HK$7,487 | HK$7,487 | HK$7,487 | HK$7,637 (+2.0%) | HK$7,637 | HK$8,363 (+9.5%) | HK$9,409 (+12.5%) | HK$9,409 | HK$10,303 (+9.5%) | +4.57% |
| 10 y/o | HK$7,391 | HK$7,391 | HK$7,391 | HK$7,539 (+2.0%) | HK$7,539 | HK$8,218 (+9.0%) | HK$9,246 (+12.5%) | HK$9,246 | HK$10,125 (+9.5%) | +4.51% |
| 15 y/o | HK$7,296 | HK$7,296 | HK$7,296 | HK$7,442 (+2.0%) | HK$7,442 | HK$7,926 (+6.5%) | HK$8,917 (+12.5%) | HK$8,917 | HK$9,765 (+9.5%) | +4.17% |
| 20 y/o | HK$7,447 | HK$7,447 | HK$7,447 | HK$7,596 (+2.0%) | HK$7,596 | HK$8,128 (+7.0%) | HK$9,144 (+12.5%) | HK$9,144 | HK$10,013 (+9.5%) | +4.23% |
| 25 y/o | HK$9,057 | HK$9,057 | HK$9,057 | HK$9,239 (+2.0%) | HK$9,239 | HK$9,886 (+7.0%) | HK$11,122 (+12.5%) | HK$11,122 | HK$12,179 (+9.5%) | +4.24% |
| 30 y/o | HK$11,069 | HK$11,069 | HK$11,069 | HK$11,291 (+2.0%) | HK$11,291 | HK$12,251 (+8.5%) | HK$13,783 (+12.5%) | HK$13,783 | HK$15,093 (+9.5%) | +4.44% |
| 35 y/o | HK$12,275 | HK$12,275 | HK$12,275 | HK$12,705 (+3.5%) | HK$12,705 | HK$13,785 (+8.5%) | HK$15,509 (+12.5%) | HK$15,509 | HK$16,983 (+9.5%) | +4.65% |
| 40 y/o | HK$13,300 | HK$13,300 | HK$13,300 | HK$14,098 (+6.0%) | HK$14,098 | HK$15,367 (+9.0%) | HK$17,288 (+12.5%) | HK$17,288 | HK$18,931 (+9.5%) | +5.07% |
| 45 y/o | HK$15,845 | HK$15,845 | HK$15,845 | HK$16,875 (+6.5%) | HK$16,875 | HK$18,394 (+9.0%) | HK$20,694 (+12.5%) | HK$20,694 | HK$22,660 (+9.5%) | +5.14% |
| 50 y/o | HK$19,166 | HK$19,166 | HK$19,166 | HK$20,316 (+6.0%) | HK$20,316 | HK$22,043 (+8.5%) | HK$24,799 (+12.5%) | HK$24,799 | HK$27,155 (+9.5%) | +5.00% |
| 55 y/o | HK$23,568 | HK$23,568 | HK$23,568 | HK$24,629 (+4.5%) | HK$24,629 | HK$26,723 (+8.5%) | HK$30,064 (+12.5%) | HK$30,064 | HK$32,921 (+9.5%) | +4.79% |
| 60 y/o | HK$31,621 | HK$31,621 | HK$31,621 | HK$33,677 (+6.5%) | HK$33,677 | HK$36,708 (+9.0%) | HK$41,297 (+12.5%) | HK$41,297 | HK$45,221 (+9.5%) | +5.14% |
| 65 y/o | HK$47,697 | HK$47,697 | HK$47,697 | HK$50,798 (+6.5%) | HK$50,798 | HK$55,370 (+9.0%) | HK$62,292 (+12.5%) | HK$62,292 | HK$68,210 (+9.5%) | +5.14% |
| 70 y/o | HK$61,638 | HK$61,638 | HK$61,638 | HK$65,029 (+5.5%) | HK$65,029 | HK$71,207 (+9.5%) | HK$80,108 (+12.5%) | HK$80,108 | HK$87,719 (+9.5%) | +5.07% |
| 75 y/o | HK$78,254 | HK$78,254 | HK$78,254 | HK$80,602 (+3.0%) | HK$80,602 | HK$88,260 (+9.5%) | HK$99,293 (+12.5%) | HK$99,293 | HK$108,726 (+9.5%) | +4.71% |
| 80 y/o | HK$95,371 | HK$95,371 | HK$95,371 | HK$97,279 (+2.0%) | HK$97,279 | HK$106,521 (+9.5%) | HK$119,837 (+12.5%) | HK$119,837 | HK$131,222 (+9.5%) | +4.57% |
| 85 y/o | HK$107,317 | HK$107,317 | HK$107,317 | HK$109,464 (+2.0%) | HK$109,464 | HK$119,864 (+9.5%) | HK$134,847 (+12.5%) | HK$134,847 | HK$147,658 (+9.5%) | +4.57% |
| 90 y/o | HK$119,715 | HK$119,715 | HK$119,715 | HK$122,110 (+2.0%) | HK$122,110 | HK$133,711 (+9.5%) | HK$150,425 (+12.5%) | HK$150,425 | HK$164,716 (+9.5%) | +4.57% |
| 95 y/o | HK$127,404 | HK$127,404 | HK$127,404 | HK$129,953 (+2.0%) | HK$129,953 | HK$142,299 (+9.5%) | HK$160,087 (+12.5%) | HK$160,087 | HK$175,296 (+9.5%) | +4.57% |
| 99 y/o | HK$135,149 | HK$135,149 | HK$135,149 | HK$137,852 (+2.0%) | HK$137,852 | HK$150,948 (+9.5%) | HK$169,817 (+12.5%) | HK$169,817 | HK$185,950 (+9.5%) | +4.57% |
| All ages average | — | 0.0% | 0.0% | +3.4% | 0.0% | +8.8% | +12.5% | 0.0% | +9.5% | — |
0 y/oHK$7,545
5 y/oHK$7,487
10 y/oHK$7,391
15 y/oHK$7,296
20 y/oHK$7,447
25 y/oHK$9,057
30 y/oHK$11,069
35 y/oHK$12,275
40 y/oHK$13,300
45 y/oHK$15,845
50 y/oHK$19,166
55 y/oHK$23,568
60 y/oHK$31,621
65 y/oHK$47,697
70 y/oHK$61,638
75 y/oHK$78,254
80 y/oHK$95,371
85 y/oHK$107,317
90 y/oHK$119,715
95 y/oHK$127,404
99 y/oHK$135,149
0.0%
All-ages avg
0 y/oHK$7,545
5 y/oHK$7,487
10 y/oHK$7,391
15 y/oHK$7,296
20 y/oHK$7,447
25 y/oHK$9,057
30 y/oHK$11,069
35 y/oHK$12,275
40 y/oHK$13,300
45 y/oHK$15,845
50 y/oHK$19,166
55 y/oHK$23,568
60 y/oHK$31,621
65 y/oHK$47,697
70 y/oHK$61,638
75 y/oHK$78,254
80 y/oHK$95,371
85 y/oHK$107,317
90 y/oHK$119,715
95 y/oHK$127,404
99 y/oHK$135,149
0.0%
All-ages avg
0 y/oHK$7,545
5 y/oHK$7,487
10 y/oHK$7,391
15 y/oHK$7,296
20 y/oHK$7,447
25 y/oHK$9,057
30 y/oHK$11,069
35 y/oHK$12,275
40 y/oHK$13,300
45 y/oHK$15,845
50 y/oHK$19,166
55 y/oHK$23,568
60 y/oHK$31,621
65 y/oHK$47,697
70 y/oHK$61,638
75 y/oHK$78,254
80 y/oHK$95,371
85 y/oHK$107,317
90 y/oHK$119,715
95 y/oHK$127,404
99 y/oHK$135,149
+3.4%
All-ages avg
0 y/oHK$7,696 (+2.0%)
5 y/oHK$7,637 (+2.0%)
10 y/oHK$7,539 (+2.0%)
15 y/oHK$7,442 (+2.0%)
20 y/oHK$7,596 (+2.0%)
25 y/oHK$9,239 (+2.0%)
30 y/oHK$11,291 (+2.0%)
35 y/oHK$12,705 (+3.5%)
40 y/oHK$14,098 (+6.0%)
45 y/oHK$16,875 (+6.5%)
50 y/oHK$20,316 (+6.0%)
55 y/oHK$24,629 (+4.5%)
60 y/oHK$33,677 (+6.5%)
65 y/oHK$50,798 (+6.5%)
70 y/oHK$65,029 (+5.5%)
75 y/oHK$80,602 (+3.0%)
80 y/oHK$97,279 (+2.0%)
85 y/oHK$109,464 (+2.0%)
90 y/oHK$122,110 (+2.0%)
95 y/oHK$129,953 (+2.0%)
99 y/oHK$137,852 (+2.0%)
0.0%
All-ages avg
0 y/oHK$7,696
5 y/oHK$7,637
10 y/oHK$7,539
15 y/oHK$7,442
20 y/oHK$7,596
25 y/oHK$9,239
30 y/oHK$11,291
35 y/oHK$12,705
40 y/oHK$14,098
45 y/oHK$16,875
50 y/oHK$20,316
55 y/oHK$24,629
60 y/oHK$33,677
65 y/oHK$50,798
70 y/oHK$65,029
75 y/oHK$80,602
80 y/oHK$97,279
85 y/oHK$109,464
90 y/oHK$122,110
95 y/oHK$129,953
99 y/oHK$137,852
+8.8%
All-ages avg
0 y/oHK$8,428 (+9.5%)
5 y/oHK$8,363 (+9.5%)
10 y/oHK$8,218 (+9.0%)
15 y/oHK$7,926 (+6.5%)
20 y/oHK$8,128 (+7.0%)
25 y/oHK$9,886 (+7.0%)
30 y/oHK$12,251 (+8.5%)
35 y/oHK$13,785 (+8.5%)
40 y/oHK$15,367 (+9.0%)
45 y/oHK$18,394 (+9.0%)
50 y/oHK$22,043 (+8.5%)
55 y/oHK$26,723 (+8.5%)
60 y/oHK$36,708 (+9.0%)
65 y/oHK$55,370 (+9.0%)
70 y/oHK$71,207 (+9.5%)
75 y/oHK$88,260 (+9.5%)
80 y/oHK$106,521 (+9.5%)
85 y/oHK$119,864 (+9.5%)
90 y/oHK$133,711 (+9.5%)
95 y/oHK$142,299 (+9.5%)
99 y/oHK$150,948 (+9.5%)
+12.5%
All-ages avg
0 y/oHK$9,482 (+12.5%)
5 y/oHK$9,409 (+12.5%)
10 y/oHK$9,246 (+12.5%)
15 y/oHK$8,917 (+12.5%)
20 y/oHK$9,144 (+12.5%)
25 y/oHK$11,122 (+12.5%)
30 y/oHK$13,783 (+12.5%)
35 y/oHK$15,509 (+12.5%)
40 y/oHK$17,288 (+12.5%)
45 y/oHK$20,694 (+12.5%)
50 y/oHK$24,799 (+12.5%)
55 y/oHK$30,064 (+12.5%)
60 y/oHK$41,297 (+12.5%)
65 y/oHK$62,292 (+12.5%)
70 y/oHK$80,108 (+12.5%)
75 y/oHK$99,293 (+12.5%)
80 y/oHK$119,837 (+12.5%)
85 y/oHK$134,847 (+12.5%)
90 y/oHK$150,425 (+12.5%)
95 y/oHK$160,087 (+12.5%)
99 y/oHK$169,817 (+12.5%)
0.0%
All-ages avg
0 y/oHK$9,482
5 y/oHK$9,409
10 y/oHK$9,246
15 y/oHK$8,917
20 y/oHK$9,144
25 y/oHK$11,122
30 y/oHK$13,783
35 y/oHK$15,509
40 y/oHK$17,288
45 y/oHK$20,694
50 y/oHK$24,799
55 y/oHK$30,064
60 y/oHK$41,297
65 y/oHK$62,292
70 y/oHK$80,108
75 y/oHK$99,293
80 y/oHK$119,837
85 y/oHK$134,847
90 y/oHK$150,425
95 y/oHK$160,087
99 y/oHK$169,817
+9.5%
All-ages avg
0 y/oHK$10,383 (+9.5%)
5 y/oHK$10,303 (+9.5%)
10 y/oHK$10,125 (+9.5%)
15 y/oHK$9,765 (+9.5%)
20 y/oHK$10,013 (+9.5%)
25 y/oHK$12,179 (+9.5%)
30 y/oHK$15,093 (+9.5%)
35 y/oHK$16,983 (+9.5%)
40 y/oHK$18,931 (+9.5%)
45 y/oHK$22,660 (+9.5%)
50 y/oHK$27,155 (+9.5%)
55 y/oHK$32,921 (+9.5%)
60 y/oHK$45,221 (+9.5%)
65 y/oHK$68,210 (+9.5%)
70 y/oHK$87,719 (+9.5%)
75 y/oHK$108,726 (+9.5%)
80 y/oHK$131,222 (+9.5%)
85 y/oHK$147,658 (+9.5%)
90 y/oHK$164,716 (+9.5%)
95 y/oHK$175,296 (+9.5%)
99 y/oHK$185,950 (+9.5%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+4.57%
5 y/o+4.57%
10 y/o+4.51%
15 y/o+4.17%
20 y/o+4.23%
25 y/o+4.24%
30 y/o+4.44%
35 y/o+4.65%
40 y/o+5.07%
45 y/o+5.14%
50 y/o+5.00%
55 y/o+4.79%
60 y/o+5.14%
65 y/o+5.14%
70 y/o+5.07%
75 y/o+4.71%
80 y/o+4.57%
85 y/o+4.57%
90 y/o+4.57%
95 y/o+4.57%
99 y/o+4.57%
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.· 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.