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Bowtie VHIS Flexi - Regular
保泰自願醫保 - 靈活計劃 - 基本計劃
Bowtie Life Insurance Company Limited · F00031-01-000 · 11 versions · Flexi plan · Avg. annual increase +2.63%
HKD
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| Age | 2019-07-08 | 2020-04-01 | 2021-04-01 | 2022-04-30 | 2023-04-30 | 2023-12-07 | 2024-08-30 | 2024-12-19 | 2025-04-11 | 2025-12-29 | Latest 2026-03-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 y/o | HK$3,708 | HK$3,672 (-1.0%) | HK$3,672 | HK$3,672 | HK$3,672 | HK$4,008 (+9.2%) | HK$4,008 | HK$4,332 (+8.1%) | HK$4,332 | HK$4,656 (+7.5%) | HK$4,656 | +3.22% |
| 5 y/o | HK$2,772 | HK$2,748 (-0.9%) | HK$2,748 | HK$2,748 | HK$2,748 | HK$3,000 (+9.2%) | HK$3,000 | HK$3,240 (+8.0%) | HK$3,240 | HK$3,480 (+7.4%) | HK$3,480 | +3.22% |
| 10 y/o | HK$1,860 | HK$1,836 (-1.3%) | HK$1,836 | HK$1,836 | HK$1,836 | HK$2,004 (+9.2%) | HK$2,004 | HK$2,172 (+8.4%) | HK$2,172 | HK$2,340 (+7.7%) | HK$2,340 | +3.25% |
| 15 y/o | HK$1,728 | HK$1,716 (-0.7%) | HK$1,716 | HK$1,716 | HK$1,716 | HK$1,872 (+9.1%) | HK$1,872 | HK$2,028 (+8.3%) | HK$2,028 | HK$2,232 (+10.1%) | HK$2,232 | +3.63% |
| 20 y/o | HK$1,944 | HK$1,920 (-1.2%) | HK$1,920 | HK$1,920 | HK$1,920 | HK$2,100 (+9.4%) | HK$2,100 | HK$2,268 (+8.0%) | HK$2,268 | HK$2,436 (+7.4%) | HK$2,436 | +3.19% |
| 25 y/o | HK$2,196 | HK$2,172 (-1.1%) | HK$2,172 | HK$2,172 | HK$2,172 | HK$2,376 (+9.4%) | HK$2,376 | HK$2,568 (+8.1%) | HK$2,568 | HK$2,760 (+7.5%) | HK$2,760 | +3.23% |
| 30 y/o | HK$2,424 | HK$2,400 (-1.0%) | HK$2,400 | HK$2,400 | HK$2,400 | HK$2,616 (+9.0%) | HK$2,616 | HK$2,832 (+8.3%) | HK$2,832 | HK$3,048 (+7.6%) | HK$3,048 | +3.24% |
| 35 y/o | HK$2,844 | HK$2,820 (-0.8%) | HK$2,820 | HK$2,820 | HK$2,820 | HK$3,084 (+9.4%) | HK$3,084 | HK$3,336 (+8.2%) | HK$3,336 | HK$3,588 (+7.6%) | HK$3,588 | +3.29% |
| 40 y/o | HK$3,408 | HK$3,372 (-1.1%) | HK$3,372 | HK$3,372 | HK$3,372 | HK$3,684 (+9.3%) | HK$3,684 | HK$3,984 (+8.1%) | HK$3,984 | HK$4,284 (+7.5%) | HK$4,284 | +3.23% |
| 45 y/o | HK$4,164 | HK$4,116 (-1.2%) | HK$4,116 | HK$4,116 | HK$4,116 | HK$4,488 (+9.0%) | HK$4,488 | HK$4,848 (+8.0%) | HK$4,848 | HK$5,208 (+7.4%) | HK$5,208 | +3.16% |
| 50 y/o | HK$5,232 | HK$5,184 (-0.9%) | HK$5,184 | HK$5,184 | HK$5,184 | HK$5,640 (+8.8%) | HK$5,640 | HK$6,096 (+8.1%) | HK$6,096 | HK$6,552 (+7.5%) | HK$6,552 | +3.18% |
| 55 y/o | HK$7,056 | HK$6,984 (-1.0%) | HK$6,984 | HK$6,984 | HK$6,984 | HK$7,404 (+6.0%) | HK$7,404 | HK$7,812 (+5.5%) | HK$7,812 | HK$8,208 (+5.1%) | HK$8,208 | +2.13% |
| 60 y/o | HK$9,564 | HK$9,468 (-1.0%) | HK$9,468 | HK$9,468 | HK$9,468 | HK$10,044 (+6.1%) | HK$10,044 | HK$10,608 (+5.6%) | HK$10,608 | HK$11,136 (+5.0%) | HK$11,136 | +2.14% |
| 65 y/o | HK$13,212 | HK$13,080 (-1.0%) | HK$13,080 | HK$13,080 | HK$13,080 | HK$13,872 (+6.1%) | HK$13,872 | HK$14,640 (+5.5%) | HK$14,640 | HK$15,372 (+5.0%) | HK$15,372 | +2.13% |
| 70 y/o | HK$17,796 | HK$17,616 (-1.0%) | HK$17,616 | HK$17,616 | HK$17,616 | HK$18,684 (+6.1%) | HK$18,684 | HK$19,716 (+5.5%) | HK$19,716 | HK$20,700 (+5.0%) | HK$20,700 | +2.13% |
| 75 y/o | HK$22,368 | HK$22,140 (-1.0%) | HK$22,140 | HK$22,140 | HK$22,140 | HK$23,472 (+6.0%) | HK$23,472 | HK$24,768 (+5.5%) | HK$24,768 | HK$26,004 (+5.0%) | HK$26,004 | +2.12% |
| 80 y/o | HK$26,208 | HK$25,944 (-1.0%) | HK$25,944 | HK$25,944 | HK$25,944 | HK$27,504 (+6.0%) | HK$27,504 | HK$29,028 (+5.5%) | HK$29,028 | HK$30,480 (+5.0%) | HK$30,480 | +2.12% |
| 85 y/o | HK$29,520 | HK$32,052 (+8.6%) | HK$32,052 | HK$32,052 | HK$32,052 | HK$33,984 (+6.0%) | HK$33,984 | HK$35,856 (+5.5%) | HK$35,856 | HK$37,644 (+5.0%) | HK$37,644 | +3.44% |
| 90 y/o | HK$32,772 | HK$32,052 (-2.2%) | HK$32,052 | HK$32,052 | HK$32,052 | HK$33,984 (+6.0%) | HK$33,984 | HK$35,856 (+5.5%) | HK$35,856 | HK$37,644 (+5.0%) | HK$37,644 | +1.95% |
| 95 y/o | HK$35,928 | HK$32,052 (-10.8%) | HK$32,052 | HK$32,052 | HK$32,052 | HK$33,984 (+6.0%) | HK$33,984 | HK$35,856 (+5.5%) | HK$35,856 | HK$37,644 (+5.0%) | HK$37,644 | +0.65% |
| 99 y/o | HK$38,580 | HK$32,052 (-16.9%) | HK$32,052 | HK$32,052 | HK$32,052 | HK$33,984 (+6.0%) | HK$33,984 | HK$35,856 (+5.5%) | HK$35,856 | HK$37,644 (+5.0%) | HK$37,644 | -0.34% |
| All ages average | — | -1.8% | 0.0% | 0.0% | 0.0% | +7.7% | 0.0% | +6.9% | 0.0% | +6.4% | 0.0% | — |
0 y/oHK$3,708
5 y/oHK$2,772
10 y/oHK$1,860
15 y/oHK$1,728
20 y/oHK$1,944
25 y/oHK$2,196
30 y/oHK$2,424
35 y/oHK$2,844
40 y/oHK$3,408
45 y/oHK$4,164
50 y/oHK$5,232
55 y/oHK$7,056
60 y/oHK$9,564
65 y/oHK$13,212
70 y/oHK$17,796
75 y/oHK$22,368
80 y/oHK$26,208
85 y/oHK$29,520
90 y/oHK$32,772
95 y/oHK$35,928
99 y/oHK$38,580
-1.8%
All-ages avg
0 y/oHK$3,672 (-1.0%)
5 y/oHK$2,748 (-0.9%)
10 y/oHK$1,836 (-1.3%)
15 y/oHK$1,716 (-0.7%)
20 y/oHK$1,920 (-1.2%)
25 y/oHK$2,172 (-1.1%)
30 y/oHK$2,400 (-1.0%)
35 y/oHK$2,820 (-0.8%)
40 y/oHK$3,372 (-1.1%)
45 y/oHK$4,116 (-1.2%)
50 y/oHK$5,184 (-0.9%)
55 y/oHK$6,984 (-1.0%)
60 y/oHK$9,468 (-1.0%)
65 y/oHK$13,080 (-1.0%)
70 y/oHK$17,616 (-1.0%)
75 y/oHK$22,140 (-1.0%)
80 y/oHK$25,944 (-1.0%)
85 y/oHK$32,052 (+8.6%)
90 y/oHK$32,052 (-2.2%)
95 y/oHK$32,052 (-10.8%)
99 y/oHK$32,052 (-16.9%)
0.0%
All-ages avg
0 y/oHK$3,672
5 y/oHK$2,748
10 y/oHK$1,836
15 y/oHK$1,716
20 y/oHK$1,920
25 y/oHK$2,172
30 y/oHK$2,400
35 y/oHK$2,820
40 y/oHK$3,372
45 y/oHK$4,116
50 y/oHK$5,184
55 y/oHK$6,984
60 y/oHK$9,468
65 y/oHK$13,080
70 y/oHK$17,616
75 y/oHK$22,140
80 y/oHK$25,944
85 y/oHK$32,052
90 y/oHK$32,052
95 y/oHK$32,052
99 y/oHK$32,052
0.0%
All-ages avg
0 y/oHK$3,672
5 y/oHK$2,748
10 y/oHK$1,836
15 y/oHK$1,716
20 y/oHK$1,920
25 y/oHK$2,172
30 y/oHK$2,400
35 y/oHK$2,820
40 y/oHK$3,372
45 y/oHK$4,116
50 y/oHK$5,184
55 y/oHK$6,984
60 y/oHK$9,468
65 y/oHK$13,080
70 y/oHK$17,616
75 y/oHK$22,140
80 y/oHK$25,944
85 y/oHK$32,052
90 y/oHK$32,052
95 y/oHK$32,052
99 y/oHK$32,052
0.0%
All-ages avg
0 y/oHK$3,672
5 y/oHK$2,748
10 y/oHK$1,836
15 y/oHK$1,716
20 y/oHK$1,920
25 y/oHK$2,172
30 y/oHK$2,400
35 y/oHK$2,820
40 y/oHK$3,372
45 y/oHK$4,116
50 y/oHK$5,184
55 y/oHK$6,984
60 y/oHK$9,468
65 y/oHK$13,080
70 y/oHK$17,616
75 y/oHK$22,140
80 y/oHK$25,944
85 y/oHK$32,052
90 y/oHK$32,052
95 y/oHK$32,052
99 y/oHK$32,052
+7.7%
All-ages avg
0 y/oHK$4,008 (+9.2%)
5 y/oHK$3,000 (+9.2%)
10 y/oHK$2,004 (+9.2%)
15 y/oHK$1,872 (+9.1%)
20 y/oHK$2,100 (+9.4%)
25 y/oHK$2,376 (+9.4%)
30 y/oHK$2,616 (+9.0%)
35 y/oHK$3,084 (+9.4%)
40 y/oHK$3,684 (+9.3%)
45 y/oHK$4,488 (+9.0%)
50 y/oHK$5,640 (+8.8%)
55 y/oHK$7,404 (+6.0%)
60 y/oHK$10,044 (+6.1%)
65 y/oHK$13,872 (+6.1%)
70 y/oHK$18,684 (+6.1%)
75 y/oHK$23,472 (+6.0%)
80 y/oHK$27,504 (+6.0%)
85 y/oHK$33,984 (+6.0%)
90 y/oHK$33,984 (+6.0%)
95 y/oHK$33,984 (+6.0%)
99 y/oHK$33,984 (+6.0%)
0.0%
All-ages avg
0 y/oHK$4,008
5 y/oHK$3,000
10 y/oHK$2,004
15 y/oHK$1,872
20 y/oHK$2,100
25 y/oHK$2,376
30 y/oHK$2,616
35 y/oHK$3,084
40 y/oHK$3,684
45 y/oHK$4,488
50 y/oHK$5,640
55 y/oHK$7,404
60 y/oHK$10,044
65 y/oHK$13,872
70 y/oHK$18,684
75 y/oHK$23,472
80 y/oHK$27,504
85 y/oHK$33,984
90 y/oHK$33,984
95 y/oHK$33,984
99 y/oHK$33,984
+6.9%
All-ages avg
0 y/oHK$4,332 (+8.1%)
5 y/oHK$3,240 (+8.0%)
10 y/oHK$2,172 (+8.4%)
15 y/oHK$2,028 (+8.3%)
20 y/oHK$2,268 (+8.0%)
25 y/oHK$2,568 (+8.1%)
30 y/oHK$2,832 (+8.3%)
35 y/oHK$3,336 (+8.2%)
40 y/oHK$3,984 (+8.1%)
45 y/oHK$4,848 (+8.0%)
50 y/oHK$6,096 (+8.1%)
55 y/oHK$7,812 (+5.5%)
60 y/oHK$10,608 (+5.6%)
65 y/oHK$14,640 (+5.5%)
70 y/oHK$19,716 (+5.5%)
75 y/oHK$24,768 (+5.5%)
80 y/oHK$29,028 (+5.5%)
85 y/oHK$35,856 (+5.5%)
90 y/oHK$35,856 (+5.5%)
95 y/oHK$35,856 (+5.5%)
99 y/oHK$35,856 (+5.5%)
0.0%
All-ages avg
0 y/oHK$4,332
5 y/oHK$3,240
10 y/oHK$2,172
15 y/oHK$2,028
20 y/oHK$2,268
25 y/oHK$2,568
30 y/oHK$2,832
35 y/oHK$3,336
40 y/oHK$3,984
45 y/oHK$4,848
50 y/oHK$6,096
55 y/oHK$7,812
60 y/oHK$10,608
65 y/oHK$14,640
70 y/oHK$19,716
75 y/oHK$24,768
80 y/oHK$29,028
85 y/oHK$35,856
90 y/oHK$35,856
95 y/oHK$35,856
99 y/oHK$35,856
+6.4%
All-ages avg
0 y/oHK$4,656 (+7.5%)
5 y/oHK$3,480 (+7.4%)
10 y/oHK$2,340 (+7.7%)
15 y/oHK$2,232 (+10.1%)
20 y/oHK$2,436 (+7.4%)
25 y/oHK$2,760 (+7.5%)
30 y/oHK$3,048 (+7.6%)
35 y/oHK$3,588 (+7.6%)
40 y/oHK$4,284 (+7.5%)
45 y/oHK$5,208 (+7.4%)
50 y/oHK$6,552 (+7.5%)
55 y/oHK$8,208 (+5.1%)
60 y/oHK$11,136 (+5.0%)
65 y/oHK$15,372 (+5.0%)
70 y/oHK$20,700 (+5.0%)
75 y/oHK$26,004 (+5.0%)
80 y/oHK$30,480 (+5.0%)
85 y/oHK$37,644 (+5.0%)
90 y/oHK$37,644 (+5.0%)
95 y/oHK$37,644 (+5.0%)
99 y/oHK$37,644 (+5.0%)
0.0%
All-ages avg
0 y/oHK$4,656
5 y/oHK$3,480
10 y/oHK$2,340
15 y/oHK$2,232
20 y/oHK$2,436
25 y/oHK$2,760
30 y/oHK$3,048
35 y/oHK$3,588
40 y/oHK$4,284
45 y/oHK$5,208
50 y/oHK$6,552
55 y/oHK$8,208
60 y/oHK$11,136
65 y/oHK$15,372
70 y/oHK$20,700
75 y/oHK$26,004
80 y/oHK$30,480
85 y/oHK$37,644
90 y/oHK$37,644
95 y/oHK$37,644
99 y/oHK$37,644
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+3.22%
5 y/o+3.22%
10 y/o+3.25%
15 y/o+3.63%
20 y/o+3.19%
25 y/o+3.23%
30 y/o+3.24%
35 y/o+3.29%
40 y/o+3.23%
45 y/o+3.16%
50 y/o+3.18%
55 y/o+2.13%
60 y/o+2.14%
65 y/o+2.13%
70 y/o+2.13%
75 y/o+2.12%
80 y/o+2.12%
85 y/o+3.44%
90 y/o+1.95%
95 y/o+0.65%
99 y/o-0.34%
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.