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Healthy Life Medical Insurance Plan
健康常伴醫療保險計劃
China Life Insurance (Overseas) Company Limited · F00024-01-000 · 3 versions · Flexi plan · Avg. annual increase +2.16%
Gender-axis change · pricing structure shifted
This series' pricing structure shifted from unisex to gendered (affecting 100 age band(s)). The increase percentages reflect the average impact of the structural change; the actual impact for one specific gender can deviate significantly — refer to the source PDF to confirm.
Male
| Age | F00024-01-000-01 2019-04-01 | F00024-01-000-02 2021-04-01 | F00024-01-000-03 2026-06-01 | Avg. annual increase |
|---|---|---|---|---|
| 0 | HK$4,500 | HK$4,500 | HK$5,130 (+14.0%) | +1.34% |
| 5 | HK$4,500 | HK$4,500 | HK$5,130 (+14.0%) | +1.34% |
| 10 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.82% |
| 15 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.82% |
| 20 | HK$1,987 | HK$1,987 | HK$2,265 (+14.0%) | +3.46% |
| 25 | HK$2,497 | HK$2,497 | HK$2,847 (+14.0%) | +3.55% |
| 30 | HK$2,826 | HK$2,826 | HK$3,222 (+14.0%) | +3.70% |
| 35 | HK$3,234 | HK$3,234 | HK$3,687 (+14.0%) | +3.89% |
| 40 | HK$3,584 | HK$3,584 | HK$4,086 (+14.0%) | +4.01% |
| 45 | HK$4,268 | HK$4,268 | HK$4,866 (+14.0%) | +3.99% |
| 50 | HK$5,296 | HK$5,296 | HK$6,037 (+14.0%) | +3.59% |
| 55 | HK$7,274 | HK$7,274 | HK$8,292 (+14.0%) | +2.05% |
| 60 | HK$9,593 | HK$9,593 | HK$10,936 (+14.0%) | +1.23% |
| 65 | HK$12,800 | HK$12,800 | HK$14,592 (+14.0%) | +0.60% |
| 70 | HK$16,333 | HK$16,333 | HK$18,620 (+14.0%) | +0.46% |
| 75 | HK$18,260 | HK$18,260 | HK$20,816 (+14.0%) | +1.18% |
| 80 | HK$22,700 | HK$22,700 | HK$25,878 (+14.0%) | +1.17% |
| 85 | HK$25,548 | HK$25,548 | HK$29,125 (+14.0%) | +1.27% |
| 90 | HK$27,590 | HK$27,590 | HK$31,453 (+14.0%) | +1.41% |
| 95 | HK$29,336 | HK$29,336 | HK$33,443 (+14.0%) | +1.41% |
| 99 | HK$30,611 | HK$30,611 | HK$34,897 (+14.0%) | +1.50% |
| All ages average | — | 0.0% | +14.0% | — |
0 y/oHK$4,500
5 y/oHK$4,500
10 y/oHK$1,850
15 y/oHK$1,850
20 y/oHK$1,987
25 y/oHK$2,497
30 y/oHK$2,826
35 y/oHK$3,234
40 y/oHK$3,584
45 y/oHK$4,268
50 y/oHK$5,296
55 y/oHK$7,274
60 y/oHK$9,593
65 y/oHK$12,800
70 y/oHK$16,333
75 y/oHK$18,260
80 y/oHK$22,700
85 y/oHK$25,548
90 y/oHK$27,590
95 y/oHK$29,336
99 y/oHK$30,611
0.0%
All-ages avg
0 y/oHK$4,500
5 y/oHK$4,500
10 y/oHK$1,850
15 y/oHK$1,850
20 y/oHK$1,987
25 y/oHK$2,497
30 y/oHK$2,826
35 y/oHK$3,234
40 y/oHK$3,584
45 y/oHK$4,268
50 y/oHK$5,296
55 y/oHK$7,274
60 y/oHK$9,593
65 y/oHK$12,800
70 y/oHK$16,333
75 y/oHK$18,260
80 y/oHK$22,700
85 y/oHK$25,548
90 y/oHK$27,590
95 y/oHK$29,336
99 y/oHK$30,611
+14.0%
All-ages avg
0 y/oHK$5,130 (+14.0%)
5 y/oHK$5,130 (+14.0%)
10 y/oHK$2,109 (+14.0%)
15 y/oHK$2,109 (+14.0%)
20 y/oHK$2,265 (+14.0%)
25 y/oHK$2,847 (+14.0%)
30 y/oHK$3,222 (+14.0%)
35 y/oHK$3,687 (+14.0%)
40 y/oHK$4,086 (+14.0%)
45 y/oHK$4,866 (+14.0%)
50 y/oHK$6,037 (+14.0%)
55 y/oHK$8,292 (+14.0%)
60 y/oHK$10,936 (+14.0%)
65 y/oHK$14,592 (+14.0%)
70 y/oHK$18,620 (+14.0%)
75 y/oHK$20,816 (+14.0%)
80 y/oHK$25,878 (+14.0%)
85 y/oHK$29,125 (+14.0%)
90 y/oHK$31,453 (+14.0%)
95 y/oHK$33,443 (+14.0%)
99 y/oHK$34,897 (+14.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-07-02
0 y/o+1.34%
5 y/o+1.34%
10 y/o+1.82%
15 y/o+1.82%
20 y/o+3.46%
25 y/o+3.55%
30 y/o+3.70%
35 y/o+3.89%
40 y/o+4.01%
45 y/o+3.99%
50 y/o+3.59%
55 y/o+2.05%
60 y/o+1.23%
65 y/o+0.60%
70 y/o+0.46%
75 y/o+1.18%
80 y/o+1.17%
85 y/o+1.27%
90 y/o+1.41%
95 y/o+1.41%
99 y/o+1.50%
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 2026-07-02
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.
Female
| Age | F00024-01-000-01 2019-04-01 | F00024-01-000-02 2021-04-01 | F00024-01-000-03 2026-06-01 | Avg. annual increase |
|---|---|---|---|---|
| 0 | HK$4,500 | HK$4,500 | HK$4,788 (+6.4%) | +1.34% |
| 5 | HK$4,500 | HK$4,500 | HK$4,788 (+6.4%) | +1.34% |
| 10 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.82% |
| 15 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.82% |
| 20 | HK$1,987 | HK$1,987 | HK$2,850 (+43.4%) | +3.46% |
| 25 | HK$2,497 | HK$2,497 | HK$3,624 (+45.1%) | +3.55% |
| 30 | HK$2,826 | HK$2,826 | HK$4,188 (+48.2%) | +3.70% |
| 35 | HK$3,234 | HK$3,234 | HK$4,921 (+52.2%) | +3.89% |
| 40 | HK$3,584 | HK$3,584 | HK$5,540 (+54.6%) | +4.01% |
| 45 | HK$4,268 | HK$4,268 | HK$6,585 (+54.3%) | +3.99% |
| 50 | HK$5,296 | HK$5,296 | HK$7,730 (+46.0%) | +3.59% |
| 55 | HK$7,274 | HK$7,274 | HK$8,566 (+17.8%) | +2.05% |
| 60 | HK$9,593 | HK$9,593 | HK$10,049 (+4.8%) | +1.23% |
| 65 | HK$12,800 | HK$12,800 | HK$12,238 (-4.4%) | +0.60% |
| 70 | HK$16,333 | HK$16,333 | HK$15,282 (-6.4%) | +0.46% |
| 75 | HK$18,260 | HK$18,260 | HK$18,987 (+4.0%) | +1.18% |
| 80 | HK$22,700 | HK$22,700 | HK$23,570 (+3.8%) | +1.17% |
| 85 | HK$25,548 | HK$25,548 | HK$26,921 (+5.4%) | +1.27% |
| 90 | HK$27,590 | HK$27,590 | HK$29,656 (+7.5%) | +1.41% |
| 95 | HK$29,336 | HK$29,336 | HK$31,506 (+7.4%) | +1.41% |
| 99 | HK$30,611 | HK$30,611 | HK$33,310 (+8.8%) | +1.50% |
| All ages average | — | 0.0% | +20.6% | — |
0 y/oHK$4,500
5 y/oHK$4,500
10 y/oHK$1,850
15 y/oHK$1,850
20 y/oHK$1,987
25 y/oHK$2,497
30 y/oHK$2,826
35 y/oHK$3,234
40 y/oHK$3,584
45 y/oHK$4,268
50 y/oHK$5,296
55 y/oHK$7,274
60 y/oHK$9,593
65 y/oHK$12,800
70 y/oHK$16,333
75 y/oHK$18,260
80 y/oHK$22,700
85 y/oHK$25,548
90 y/oHK$27,590
95 y/oHK$29,336
99 y/oHK$30,611
0.0%
All-ages avg
0 y/oHK$4,500
5 y/oHK$4,500
10 y/oHK$1,850
15 y/oHK$1,850
20 y/oHK$1,987
25 y/oHK$2,497
30 y/oHK$2,826
35 y/oHK$3,234
40 y/oHK$3,584
45 y/oHK$4,268
50 y/oHK$5,296
55 y/oHK$7,274
60 y/oHK$9,593
65 y/oHK$12,800
70 y/oHK$16,333
75 y/oHK$18,260
80 y/oHK$22,700
85 y/oHK$25,548
90 y/oHK$27,590
95 y/oHK$29,336
99 y/oHK$30,611
+20.6%
All-ages avg
0 y/oHK$4,788 (+6.4%)
5 y/oHK$4,788 (+6.4%)
10 y/oHK$2,109 (+14.0%)
15 y/oHK$2,109 (+14.0%)
20 y/oHK$2,850 (+43.4%)
25 y/oHK$3,624 (+45.1%)
30 y/oHK$4,188 (+48.2%)
35 y/oHK$4,921 (+52.2%)
40 y/oHK$5,540 (+54.6%)
45 y/oHK$6,585 (+54.3%)
50 y/oHK$7,730 (+46.0%)
55 y/oHK$8,566 (+17.8%)
60 y/oHK$10,049 (+4.8%)
65 y/oHK$12,238 (-4.4%)
70 y/oHK$15,282 (-6.4%)
75 y/oHK$18,987 (+4.0%)
80 y/oHK$23,570 (+3.8%)
85 y/oHK$26,921 (+5.4%)
90 y/oHK$29,656 (+7.5%)
95 y/oHK$31,506 (+7.4%)
99 y/oHK$33,310 (+8.8%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-07-02
0 y/o+1.34%
5 y/o+1.34%
10 y/o+1.82%
15 y/o+1.82%
20 y/o+3.46%
25 y/o+3.55%
30 y/o+3.70%
35 y/o+3.89%
40 y/o+4.01%
45 y/o+3.99%
50 y/o+3.59%
55 y/o+2.05%
60 y/o+1.23%
65 y/o+0.60%
70 y/o+0.46%
75 y/o+1.18%
80 y/o+1.17%
85 y/o+1.27%
90 y/o+1.41%
95 y/o+1.41%
99 y/o+1.50%
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 2026-07-02
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.