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Bowtie VHIS Flexi - Plus
保泰自願醫保 - 靈活計劃 - 升級計劃
Bowtie Life Insurance Company Limited · F00031-02-000 · 11 versions · Flexi plan · Avg. annual increase +2.64%
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$7,032 | HK$6,960 (-1.0%) | HK$6,960 | HK$6,960 | HK$6,960 | HK$7,596 (+9.1%) | HK$7,596 | HK$8,208 (+8.1%) | HK$8,208 | HK$8,868 (+8.0%) | HK$8,868 | +3.28% |
| 5 y/o | HK$5,244 | HK$5,196 (-0.9%) | HK$5,196 | HK$5,196 | HK$5,196 | HK$5,664 (+9.0%) | HK$5,664 | HK$6,120 (+8.1%) | HK$6,120 | HK$6,576 (+7.5%) | HK$6,576 | +3.20% |
| 10 y/o | HK$3,348 | HK$3,312 (-1.1%) | HK$3,312 | HK$3,312 | HK$3,312 | HK$3,612 (+9.1%) | HK$3,612 | HK$3,912 (+8.3%) | HK$3,912 | HK$4,200 (+7.4%) | HK$4,200 | +3.20% |
| 15 y/o | HK$2,964 | HK$2,940 (-0.8%) | HK$2,940 | HK$2,940 | HK$2,940 | HK$3,216 (+9.4%) | HK$3,216 | HK$3,480 (+8.2%) | HK$3,480 | HK$3,744 (+7.6%) | HK$3,744 | +3.30% |
| 20 y/o | HK$3,264 | HK$3,228 (-1.1%) | HK$3,228 | HK$3,228 | HK$3,228 | HK$3,528 (+9.3%) | HK$3,528 | HK$3,816 (+8.2%) | HK$3,816 | HK$4,104 (+7.5%) | HK$4,104 | +3.24% |
| 25 y/o | HK$3,912 | HK$3,876 (-0.9%) | HK$3,876 | HK$3,876 | HK$3,876 | HK$4,236 (+9.3%) | HK$4,236 | HK$4,584 (+8.2%) | HK$4,584 | HK$4,932 (+7.6%) | HK$4,932 | +3.28% |
| 30 y/o | HK$4,320 | HK$4,272 (-1.1%) | HK$4,272 | HK$4,272 | HK$4,272 | HK$4,668 (+9.3%) | HK$4,668 | HK$5,052 (+8.2%) | HK$5,052 | HK$5,436 (+7.6%) | HK$5,436 | +3.25% |
| 35 y/o | HK$5,100 | HK$5,052 (-0.9%) | HK$5,052 | HK$5,052 | HK$5,052 | HK$5,508 (+9.0%) | HK$5,508 | HK$5,952 (+8.1%) | HK$5,952 | HK$6,396 (+7.5%) | HK$6,396 | +3.20% |
| 40 y/o | HK$6,192 | HK$6,132 (-1.0%) | HK$6,132 | HK$6,132 | HK$6,132 | HK$6,684 (+9.0%) | HK$6,684 | HK$7,224 (+8.1%) | HK$7,224 | HK$7,764 (+7.5%) | HK$7,764 | +3.20% |
| 45 y/o | HK$7,596 | HK$7,524 (-0.9%) | HK$7,524 | HK$7,524 | HK$7,524 | HK$8,208 (+9.1%) | HK$8,208 | HK$8,868 (+8.0%) | HK$8,868 | HK$9,528 (+7.4%) | HK$9,528 | +3.20% |
| 50 y/o | HK$9,864 | HK$9,768 (-1.0%) | HK$9,768 | HK$9,768 | HK$9,768 | HK$10,608 (+8.6%) | HK$10,608 | HK$11,460 (+8.0%) | HK$11,460 | HK$12,324 (+7.5%) | HK$12,324 | +3.15% |
| 55 y/o | HK$12,960 | HK$12,828 (-1.0%) | HK$12,828 | HK$12,828 | HK$12,828 | HK$13,608 (+6.1%) | HK$13,608 | HK$14,364 (+5.6%) | HK$14,364 | HK$15,084 (+5.0%) | HK$15,084 | +2.13% |
| 60 y/o | HK$17,688 | HK$17,508 (-1.0%) | HK$17,508 | HK$17,508 | HK$17,508 | HK$18,564 (+6.0%) | HK$18,564 | HK$19,596 (+5.6%) | HK$19,596 | HK$20,580 (+5.0%) | HK$20,580 | +2.13% |
| 65 y/o | HK$23,028 | HK$22,800 (-1.0%) | HK$22,800 | HK$22,800 | HK$22,800 | HK$24,168 (+6.0%) | HK$24,168 | HK$25,500 (+5.5%) | HK$25,500 | HK$26,772 (+5.0%) | HK$26,772 | +2.12% |
| 70 y/o | HK$28,152 | HK$27,876 (-1.0%) | HK$27,876 | HK$27,876 | HK$27,876 | HK$29,556 (+6.0%) | HK$29,556 | HK$31,188 (+5.5%) | HK$31,188 | HK$32,748 (+5.0%) | HK$32,748 | +2.13% |
| 75 y/o | HK$34,356 | HK$34,008 (-1.0%) | HK$34,008 | HK$34,008 | HK$34,008 | HK$36,060 (+6.0%) | HK$36,060 | HK$38,052 (+5.5%) | HK$38,052 | HK$39,960 (+5.0%) | HK$39,960 | +2.12% |
| 80 y/o | HK$40,500 | HK$40,092 (-1.0%) | HK$40,092 | HK$40,092 | HK$40,092 | HK$42,504 (+6.0%) | HK$42,504 | HK$44,844 (+5.5%) | HK$44,844 | HK$47,088 (+5.0%) | HK$47,088 | +2.12% |
| 85 y/o | HK$46,848 | HK$50,328 (+7.4%) | HK$50,328 | HK$50,328 | HK$50,328 | HK$53,352 (+6.0%) | HK$53,352 | HK$56,292 (+5.5%) | HK$56,292 | HK$59,112 (+5.0%) | HK$59,112 | +3.29% |
| 90 y/o | HK$51,576 | HK$50,328 (-2.4%) | HK$50,328 | HK$50,328 | HK$50,328 | HK$53,352 (+6.0%) | HK$53,352 | HK$56,292 (+5.5%) | HK$56,292 | HK$59,112 (+5.0%) | HK$59,112 | +1.92% |
| 95 y/o | HK$54,504 | HK$50,328 (-7.7%) | HK$50,328 | HK$50,328 | HK$50,328 | HK$53,352 (+6.0%) | HK$53,352 | HK$56,292 (+5.5%) | HK$56,292 | HK$59,112 (+5.0%) | HK$59,112 | +1.14% |
| 99 y/o | HK$57,072 | HK$50,328 (-11.8%) | HK$50,328 | HK$50,328 | HK$50,328 | HK$53,352 (+6.0%) | HK$53,352 | HK$56,292 (+5.5%) | HK$56,292 | HK$59,112 (+5.0%) | HK$59,112 | +0.49% |
| All ages average | — | -1.5% | 0.0% | 0.0% | 0.0% | +7.6% | 0.0% | +6.9% | 0.0% | +6.3% | 0.0% | — |
0 y/oHK$7,032
5 y/oHK$5,244
10 y/oHK$3,348
15 y/oHK$2,964
20 y/oHK$3,264
25 y/oHK$3,912
30 y/oHK$4,320
35 y/oHK$5,100
40 y/oHK$6,192
45 y/oHK$7,596
50 y/oHK$9,864
55 y/oHK$12,960
60 y/oHK$17,688
65 y/oHK$23,028
70 y/oHK$28,152
75 y/oHK$34,356
80 y/oHK$40,500
85 y/oHK$46,848
90 y/oHK$51,576
95 y/oHK$54,504
99 y/oHK$57,072
-1.5%
All-ages avg
0 y/oHK$6,960 (-1.0%)
5 y/oHK$5,196 (-0.9%)
10 y/oHK$3,312 (-1.1%)
15 y/oHK$2,940 (-0.8%)
20 y/oHK$3,228 (-1.1%)
25 y/oHK$3,876 (-0.9%)
30 y/oHK$4,272 (-1.1%)
35 y/oHK$5,052 (-0.9%)
40 y/oHK$6,132 (-1.0%)
45 y/oHK$7,524 (-0.9%)
50 y/oHK$9,768 (-1.0%)
55 y/oHK$12,828 (-1.0%)
60 y/oHK$17,508 (-1.0%)
65 y/oHK$22,800 (-1.0%)
70 y/oHK$27,876 (-1.0%)
75 y/oHK$34,008 (-1.0%)
80 y/oHK$40,092 (-1.0%)
85 y/oHK$50,328 (+7.4%)
90 y/oHK$50,328 (-2.4%)
95 y/oHK$50,328 (-7.7%)
99 y/oHK$50,328 (-11.8%)
0.0%
All-ages avg
0 y/oHK$6,960
5 y/oHK$5,196
10 y/oHK$3,312
15 y/oHK$2,940
20 y/oHK$3,228
25 y/oHK$3,876
30 y/oHK$4,272
35 y/oHK$5,052
40 y/oHK$6,132
45 y/oHK$7,524
50 y/oHK$9,768
55 y/oHK$12,828
60 y/oHK$17,508
65 y/oHK$22,800
70 y/oHK$27,876
75 y/oHK$34,008
80 y/oHK$40,092
85 y/oHK$50,328
90 y/oHK$50,328
95 y/oHK$50,328
99 y/oHK$50,328
0.0%
All-ages avg
0 y/oHK$6,960
5 y/oHK$5,196
10 y/oHK$3,312
15 y/oHK$2,940
20 y/oHK$3,228
25 y/oHK$3,876
30 y/oHK$4,272
35 y/oHK$5,052
40 y/oHK$6,132
45 y/oHK$7,524
50 y/oHK$9,768
55 y/oHK$12,828
60 y/oHK$17,508
65 y/oHK$22,800
70 y/oHK$27,876
75 y/oHK$34,008
80 y/oHK$40,092
85 y/oHK$50,328
90 y/oHK$50,328
95 y/oHK$50,328
99 y/oHK$50,328
0.0%
All-ages avg
0 y/oHK$6,960
5 y/oHK$5,196
10 y/oHK$3,312
15 y/oHK$2,940
20 y/oHK$3,228
25 y/oHK$3,876
30 y/oHK$4,272
35 y/oHK$5,052
40 y/oHK$6,132
45 y/oHK$7,524
50 y/oHK$9,768
55 y/oHK$12,828
60 y/oHK$17,508
65 y/oHK$22,800
70 y/oHK$27,876
75 y/oHK$34,008
80 y/oHK$40,092
85 y/oHK$50,328
90 y/oHK$50,328
95 y/oHK$50,328
99 y/oHK$50,328
+7.6%
All-ages avg
0 y/oHK$7,596 (+9.1%)
5 y/oHK$5,664 (+9.0%)
10 y/oHK$3,612 (+9.1%)
15 y/oHK$3,216 (+9.4%)
20 y/oHK$3,528 (+9.3%)
25 y/oHK$4,236 (+9.3%)
30 y/oHK$4,668 (+9.3%)
35 y/oHK$5,508 (+9.0%)
40 y/oHK$6,684 (+9.0%)
45 y/oHK$8,208 (+9.1%)
50 y/oHK$10,608 (+8.6%)
55 y/oHK$13,608 (+6.1%)
60 y/oHK$18,564 (+6.0%)
65 y/oHK$24,168 (+6.0%)
70 y/oHK$29,556 (+6.0%)
75 y/oHK$36,060 (+6.0%)
80 y/oHK$42,504 (+6.0%)
85 y/oHK$53,352 (+6.0%)
90 y/oHK$53,352 (+6.0%)
95 y/oHK$53,352 (+6.0%)
99 y/oHK$53,352 (+6.0%)
0.0%
All-ages avg
0 y/oHK$7,596
5 y/oHK$5,664
10 y/oHK$3,612
15 y/oHK$3,216
20 y/oHK$3,528
25 y/oHK$4,236
30 y/oHK$4,668
35 y/oHK$5,508
40 y/oHK$6,684
45 y/oHK$8,208
50 y/oHK$10,608
55 y/oHK$13,608
60 y/oHK$18,564
65 y/oHK$24,168
70 y/oHK$29,556
75 y/oHK$36,060
80 y/oHK$42,504
85 y/oHK$53,352
90 y/oHK$53,352
95 y/oHK$53,352
99 y/oHK$53,352
+6.9%
All-ages avg
0 y/oHK$8,208 (+8.1%)
5 y/oHK$6,120 (+8.1%)
10 y/oHK$3,912 (+8.3%)
15 y/oHK$3,480 (+8.2%)
20 y/oHK$3,816 (+8.2%)
25 y/oHK$4,584 (+8.2%)
30 y/oHK$5,052 (+8.2%)
35 y/oHK$5,952 (+8.1%)
40 y/oHK$7,224 (+8.1%)
45 y/oHK$8,868 (+8.0%)
50 y/oHK$11,460 (+8.0%)
55 y/oHK$14,364 (+5.6%)
60 y/oHK$19,596 (+5.6%)
65 y/oHK$25,500 (+5.5%)
70 y/oHK$31,188 (+5.5%)
75 y/oHK$38,052 (+5.5%)
80 y/oHK$44,844 (+5.5%)
85 y/oHK$56,292 (+5.5%)
90 y/oHK$56,292 (+5.5%)
95 y/oHK$56,292 (+5.5%)
99 y/oHK$56,292 (+5.5%)
0.0%
All-ages avg
0 y/oHK$8,208
5 y/oHK$6,120
10 y/oHK$3,912
15 y/oHK$3,480
20 y/oHK$3,816
25 y/oHK$4,584
30 y/oHK$5,052
35 y/oHK$5,952
40 y/oHK$7,224
45 y/oHK$8,868
50 y/oHK$11,460
55 y/oHK$14,364
60 y/oHK$19,596
65 y/oHK$25,500
70 y/oHK$31,188
75 y/oHK$38,052
80 y/oHK$44,844
85 y/oHK$56,292
90 y/oHK$56,292
95 y/oHK$56,292
99 y/oHK$56,292
+6.3%
All-ages avg
0 y/oHK$8,868 (+8.0%)
5 y/oHK$6,576 (+7.5%)
10 y/oHK$4,200 (+7.4%)
15 y/oHK$3,744 (+7.6%)
20 y/oHK$4,104 (+7.5%)
25 y/oHK$4,932 (+7.6%)
30 y/oHK$5,436 (+7.6%)
35 y/oHK$6,396 (+7.5%)
40 y/oHK$7,764 (+7.5%)
45 y/oHK$9,528 (+7.4%)
50 y/oHK$12,324 (+7.5%)
55 y/oHK$15,084 (+5.0%)
60 y/oHK$20,580 (+5.0%)
65 y/oHK$26,772 (+5.0%)
70 y/oHK$32,748 (+5.0%)
75 y/oHK$39,960 (+5.0%)
80 y/oHK$47,088 (+5.0%)
85 y/oHK$59,112 (+5.0%)
90 y/oHK$59,112 (+5.0%)
95 y/oHK$59,112 (+5.0%)
99 y/oHK$59,112 (+5.0%)
0.0%
All-ages avg
0 y/oHK$8,868
5 y/oHK$6,576
10 y/oHK$4,200
15 y/oHK$3,744
20 y/oHK$4,104
25 y/oHK$4,932
30 y/oHK$5,436
35 y/oHK$6,396
40 y/oHK$7,764
45 y/oHK$9,528
50 y/oHK$12,324
55 y/oHK$15,084
60 y/oHK$20,580
65 y/oHK$26,772
70 y/oHK$32,748
75 y/oHK$39,960
80 y/oHK$47,088
85 y/oHK$59,112
90 y/oHK$59,112
95 y/oHK$59,112
99 y/oHK$59,112
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+3.28%
5 y/o+3.20%
10 y/o+3.20%
15 y/o+3.30%
20 y/o+3.24%
25 y/o+3.28%
30 y/o+3.25%
35 y/o+3.20%
40 y/o+3.20%
45 y/o+3.20%
50 y/o+3.15%
55 y/o+2.13%
60 y/o+2.13%
65 y/o+2.12%
70 y/o+2.13%
75 y/o+2.12%
80 y/o+2.12%
85 y/o+3.29%
90 y/o+1.92%
95 y/o+1.14%
99 y/o+0.49%
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.