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CareForYou Super Flexi Plan for VHIS - Plan A with SMM (with 20% Coinsurance)
「只衛您」超卓靈活自願醫保計劃 - 計劃 A+額外醫療保障（設20%共同保險）
Blue Cross (Asia-Pacific) Insurance Limited · F00043-01-002 · 7 versions · Flexi plan · Avg. annual increase +7.48%
HKD
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| Age | 2020-02-28 | 2021-04-01 | 2022-01-01 | 2023-01-01 | 2024-01-01 | 2025-01-01 | Latest 2026-01-01 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 y/o | HK$10,759 | HK$10,759 | HK$11,297 (+5.0%) | HK$12,201 (+8.0%) | HK$13,788 (+13.0%) | HK$15,512 (+12.5%) | HK$16,909 (+9.0%) | +7.15% |
| 5 y/o | HK$10,302 | HK$10,302 | HK$10,818 (+5.0%) | HK$11,684 (+8.0%) | HK$13,203 (+13.0%) | HK$14,855 (+12.5%) | HK$16,193 (+9.0%) | +7.16% |
| 10 y/o | HK$9,745 | HK$9,745 | HK$10,233 (+5.0%) | HK$11,052 (+8.0%) | HK$12,489 (+13.0%) | HK$14,051 (+12.5%) | HK$15,317 (+9.0%) | +7.16% |
| 15 y/o | HK$9,745 | HK$9,745 | HK$10,233 (+5.0%) | HK$11,052 (+8.0%) | HK$12,489 (+13.0%) | HK$14,051 (+12.5%) | HK$15,317 (+9.0%) | +7.16% |
| 20 y/o | HK$11,538 | HK$11,538 | HK$12,115 (+5.0%) | HK$13,085 (+8.0%) | HK$14,787 (+13.0%) | HK$16,636 (+12.5%) | HK$18,134 (+9.0%) | +7.15% |
| 25 y/o | HK$11,538 | HK$11,538 | HK$12,115 (+5.0%) | HK$13,085 (+8.0%) | HK$14,787 (+13.0%) | HK$16,636 (+12.5%) | HK$18,134 (+9.0%) | +7.15% |
| 30 y/o | HK$12,315 | HK$12,315 | HK$12,931 (+5.0%) | HK$13,966 (+8.0%) | HK$15,782 (+13.0%) | HK$17,755 (+12.5%) | HK$19,354 (+9.0%) | +7.15% |
| 35 y/o | HK$16,276 | HK$16,276 | HK$17,090 (+5.0%) | HK$18,458 (+8.0%) | HK$20,858 (+13.0%) | HK$23,466 (+12.5%) | HK$25,579 (+9.0%) | +7.15% |
| 40 y/o | HK$17,738 | HK$17,738 | HK$18,625 (+5.0%) | HK$20,115 (+8.0%) | HK$22,730 (+13.0%) | HK$25,573 (+12.5%) | HK$27,876 (+9.0%) | +7.15% |
| 45 y/o | HK$21,036 | HK$21,036 | HK$22,088 (+5.0%) | HK$23,856 (+8.0%) | HK$26,958 (+13.0%) | HK$30,329 (+12.5%) | HK$33,060 (+9.0%) | +7.15% |
| 50 y/o | HK$26,697 | HK$26,697 | HK$28,032 (+5.0%) | HK$30,275 (+8.0%) | HK$34,211 (+13.0%) | HK$38,488 (+12.5%) | HK$41,953 (+9.0%) | +7.15% |
| 55 y/o | HK$33,934 | HK$33,934 | HK$35,631 (+5.0%) | HK$38,482 (+8.0%) | HK$43,485 (+13.0%) | HK$48,921 (+12.5%) | HK$53,325 (+9.0%) | +7.15% |
| 60 y/o | HK$45,984 | HK$45,984 | HK$48,284 (+5.0%) | HK$52,147 (+8.0%) | HK$58,927 (+13.0%) | HK$66,293 (+12.5%) | HK$72,261 (+9.0%) | +7.15% |
| 65 y/o | HK$53,157 | HK$53,157 | HK$55,815 (+5.0%) | HK$60,281 (+8.0%) | HK$68,118 (+13.0%) | HK$76,633 (+12.5%) | HK$83,531 (+9.0%) | +7.15% |
| 70 y/o | HK$69,457 | HK$69,457 | HK$72,930 (+5.0%) | HK$78,765 (+8.0%) | HK$89,005 (+13.0%) | HK$100,132 (+12.5%) | HK$109,145 (+9.0%) | +7.15% |
| 75 y/o | HK$86,921 | HK$86,921 | HK$91,268 (+5.0%) | HK$98,570 (+8.0%) | HK$111,385 (+13.0%) | HK$125,309 (+12.5%) | HK$136,588 (+9.0%) | +7.15% |
| 80 y/o | HK$100,607 | HK$100,607 | HK$105,638 (+5.0%) | HK$114,090 (+8.0%) | HK$128,922 (+13.0%) | HK$149,839 (+16.2%) | HK$163,325 (+9.0%) | +7.69% |
| 85 y/o | HK$113,267 | HK$113,267 | HK$118,931 (+5.0%) | HK$128,446 (+8.0%) | HK$145,144 (+13.0%) | HK$173,132 (+19.3%) | HK$188,715 (+9.0%) | +8.11% |
| 90 y/o | HK$121,412 | HK$121,412 | HK$127,483 (+5.0%) | HK$137,682 (+8.0%) | HK$155,581 (+13.0%) | HK$190,176 (+22.2%) | HK$207,292 (+9.0%) | +8.52% |
| 95 y/o | HK$125,723 | HK$125,723 | HK$132,010 (+5.0%) | HK$142,571 (+8.0%) | HK$161,106 (+13.0%) | HK$201,965 (+25.4%) | HK$220,143 (+9.0%) | +8.94% |
| 99 y/o | HK$128,897 | HK$128,897 | HK$135,342 (+5.0%) | HK$146,170 (+8.0%) | HK$165,173 (+13.0%) | HK$212,396 (+28.6%) | HK$236,625 (+11.4%) | +9.73% |
| All ages average | — | 0.0% | +5.0% | +8.0% | +13.0% | +14.8% | +9.1% | — |
0 y/oHK$10,759
5 y/oHK$10,302
10 y/oHK$9,745
15 y/oHK$9,745
20 y/oHK$11,538
25 y/oHK$11,538
30 y/oHK$12,315
35 y/oHK$16,276
40 y/oHK$17,738
45 y/oHK$21,036
50 y/oHK$26,697
55 y/oHK$33,934
60 y/oHK$45,984
65 y/oHK$53,157
70 y/oHK$69,457
75 y/oHK$86,921
80 y/oHK$100,607
85 y/oHK$113,267
90 y/oHK$121,412
95 y/oHK$125,723
99 y/oHK$128,897
0.0%
All-ages avg
0 y/oHK$10,759
5 y/oHK$10,302
10 y/oHK$9,745
15 y/oHK$9,745
20 y/oHK$11,538
25 y/oHK$11,538
30 y/oHK$12,315
35 y/oHK$16,276
40 y/oHK$17,738
45 y/oHK$21,036
50 y/oHK$26,697
55 y/oHK$33,934
60 y/oHK$45,984
65 y/oHK$53,157
70 y/oHK$69,457
75 y/oHK$86,921
80 y/oHK$100,607
85 y/oHK$113,267
90 y/oHK$121,412
95 y/oHK$125,723
99 y/oHK$128,897
+5.0%
All-ages avg
0 y/oHK$11,297 (+5.0%)
5 y/oHK$10,818 (+5.0%)
10 y/oHK$10,233 (+5.0%)
15 y/oHK$10,233 (+5.0%)
20 y/oHK$12,115 (+5.0%)
25 y/oHK$12,115 (+5.0%)
30 y/oHK$12,931 (+5.0%)
35 y/oHK$17,090 (+5.0%)
40 y/oHK$18,625 (+5.0%)
45 y/oHK$22,088 (+5.0%)
50 y/oHK$28,032 (+5.0%)
55 y/oHK$35,631 (+5.0%)
60 y/oHK$48,284 (+5.0%)
65 y/oHK$55,815 (+5.0%)
70 y/oHK$72,930 (+5.0%)
75 y/oHK$91,268 (+5.0%)
80 y/oHK$105,638 (+5.0%)
85 y/oHK$118,931 (+5.0%)
90 y/oHK$127,483 (+5.0%)
95 y/oHK$132,010 (+5.0%)
99 y/oHK$135,342 (+5.0%)
+8.0%
All-ages avg
0 y/oHK$12,201 (+8.0%)
5 y/oHK$11,684 (+8.0%)
10 y/oHK$11,052 (+8.0%)
15 y/oHK$11,052 (+8.0%)
20 y/oHK$13,085 (+8.0%)
25 y/oHK$13,085 (+8.0%)
30 y/oHK$13,966 (+8.0%)
35 y/oHK$18,458 (+8.0%)
40 y/oHK$20,115 (+8.0%)
45 y/oHK$23,856 (+8.0%)
50 y/oHK$30,275 (+8.0%)
55 y/oHK$38,482 (+8.0%)
60 y/oHK$52,147 (+8.0%)
65 y/oHK$60,281 (+8.0%)
70 y/oHK$78,765 (+8.0%)
75 y/oHK$98,570 (+8.0%)
80 y/oHK$114,090 (+8.0%)
85 y/oHK$128,446 (+8.0%)
90 y/oHK$137,682 (+8.0%)
95 y/oHK$142,571 (+8.0%)
99 y/oHK$146,170 (+8.0%)
+13.0%
All-ages avg
0 y/oHK$13,788 (+13.0%)
5 y/oHK$13,203 (+13.0%)
10 y/oHK$12,489 (+13.0%)
15 y/oHK$12,489 (+13.0%)
20 y/oHK$14,787 (+13.0%)
25 y/oHK$14,787 (+13.0%)
30 y/oHK$15,782 (+13.0%)
35 y/oHK$20,858 (+13.0%)
40 y/oHK$22,730 (+13.0%)
45 y/oHK$26,958 (+13.0%)
50 y/oHK$34,211 (+13.0%)
55 y/oHK$43,485 (+13.0%)
60 y/oHK$58,927 (+13.0%)
65 y/oHK$68,118 (+13.0%)
70 y/oHK$89,005 (+13.0%)
75 y/oHK$111,385 (+13.0%)
80 y/oHK$128,922 (+13.0%)
85 y/oHK$145,144 (+13.0%)
90 y/oHK$155,581 (+13.0%)
95 y/oHK$161,106 (+13.0%)
99 y/oHK$165,173 (+13.0%)
+14.8%
All-ages avg
0 y/oHK$15,512 (+12.5%)
5 y/oHK$14,855 (+12.5%)
10 y/oHK$14,051 (+12.5%)
15 y/oHK$14,051 (+12.5%)
20 y/oHK$16,636 (+12.5%)
25 y/oHK$16,636 (+12.5%)
30 y/oHK$17,755 (+12.5%)
35 y/oHK$23,466 (+12.5%)
40 y/oHK$25,573 (+12.5%)
45 y/oHK$30,329 (+12.5%)
50 y/oHK$38,488 (+12.5%)
55 y/oHK$48,921 (+12.5%)
60 y/oHK$66,293 (+12.5%)
65 y/oHK$76,633 (+12.5%)
70 y/oHK$100,132 (+12.5%)
75 y/oHK$125,309 (+12.5%)
80 y/oHK$149,839 (+16.2%)
85 y/oHK$173,132 (+19.3%)
90 y/oHK$190,176 (+22.2%)
95 y/oHK$201,965 (+25.4%)
99 y/oHK$212,396 (+28.6%)
+9.1%
All-ages avg
0 y/oHK$16,909 (+9.0%)
5 y/oHK$16,193 (+9.0%)
10 y/oHK$15,317 (+9.0%)
15 y/oHK$15,317 (+9.0%)
20 y/oHK$18,134 (+9.0%)
25 y/oHK$18,134 (+9.0%)
30 y/oHK$19,354 (+9.0%)
35 y/oHK$25,579 (+9.0%)
40 y/oHK$27,876 (+9.0%)
45 y/oHK$33,060 (+9.0%)
50 y/oHK$41,953 (+9.0%)
55 y/oHK$53,325 (+9.0%)
60 y/oHK$72,261 (+9.0%)
65 y/oHK$83,531 (+9.0%)
70 y/oHK$109,145 (+9.0%)
75 y/oHK$136,588 (+9.0%)
80 y/oHK$163,325 (+9.0%)
85 y/oHK$188,715 (+9.0%)
90 y/oHK$207,292 (+9.0%)
95 y/oHK$220,143 (+9.0%)
99 y/oHK$236,625 (+11.4%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+7.15%
5 y/o+7.16%
10 y/o+7.16%
15 y/o+7.16%
20 y/o+7.15%
25 y/o+7.15%
30 y/o+7.15%
35 y/o+7.15%
40 y/o+7.15%
45 y/o+7.15%
50 y/o+7.15%
55 y/o+7.15%
60 y/o+7.15%
65 y/o+7.15%
70 y/o+7.15%
75 y/o+7.15%
80 y/o+7.69%
85 y/o+8.11%
90 y/o+8.52%
95 y/o+8.94%
99 y/o+9.73%
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.