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Healthy Life Premier Medical Insurance Plan - Private
健康常伴優越醫療保險計劃 - 私家病房
China Life Insurance (Overseas) Company Limited · F00030-02-000 · 3 versions · Flexi plan · Avg. annual increase +2.28%
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 | F00030-02-000-01 2019-06-03 | F00030-02-000-02 2021-04-01 | F00030-02-000-03 2026-06-01 | Avg. annual increase |
|---|---|---|---|---|
| 0 | HK$8,900 | HK$8,900 | HK$10,146 (+14.0%) | +1.28% |
| 5 | HK$8,900 | HK$8,900 | HK$10,146 (+14.0%) | +1.28% |
| 10 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 15 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 20 | HK$3,242 | HK$3,242 | HK$3,696 (+14.0%) | +3.63% |
| 25 | HK$4,212 | HK$4,212 | HK$4,802 (+14.0%) | +3.78% |
| 30 | HK$4,913 | HK$4,913 | HK$5,601 (+14.0%) | +3.94% |
| 35 | HK$5,587 | HK$5,587 | HK$6,369 (+14.0%) | +4.15% |
| 40 | HK$6,288 | HK$6,288 | HK$7,168 (+14.0%) | +4.31% |
| 45 | HK$7,580 | HK$7,580 | HK$8,641 (+14.0%) | +4.28% |
| 50 | HK$9,561 | HK$9,561 | HK$10,900 (+14.0%) | +3.82% |
| 55 | HK$13,264 | HK$13,264 | HK$15,121 (+14.0%) | +2.22% |
| 60 | HK$17,568 | HK$17,568 | HK$20,028 (+14.0%) | +1.36% |
| 65 | HK$23,349 | HK$23,349 | HK$26,618 (+14.0%) | +0.66% |
| 70 | HK$29,703 | HK$29,703 | HK$33,861 (+14.0%) | +0.50% |
| 75 | HK$33,237 | HK$33,237 | HK$37,890 (+14.0%) | +1.22% |
| 80 | HK$41,516 | HK$41,516 | HK$47,328 (+14.0%) | +1.19% |
| 85 | HK$46,801 | HK$46,801 | HK$53,353 (+14.0%) | +1.32% |
| 90 | HK$50,416 | HK$50,416 | HK$57,474 (+14.0%) | +1.46% |
| 95 | HK$52,433 | HK$52,433 | HK$59,774 (+14.0%) | +1.57% |
| 99 | HK$53,778 | HK$53,778 | HK$61,307 (+14.0%) | +1.68% |
| All ages average | — | 0.0% | +14.0% | — |
0 y/oHK$8,900
5 y/oHK$8,900
10 y/oHK$3,400
15 y/oHK$3,400
20 y/oHK$3,242
25 y/oHK$4,212
30 y/oHK$4,913
35 y/oHK$5,587
40 y/oHK$6,288
45 y/oHK$7,580
50 y/oHK$9,561
55 y/oHK$13,264
60 y/oHK$17,568
65 y/oHK$23,349
70 y/oHK$29,703
75 y/oHK$33,237
80 y/oHK$41,516
85 y/oHK$46,801
90 y/oHK$50,416
95 y/oHK$52,433
99 y/oHK$53,778
0.0%
All-ages avg
0 y/oHK$8,900
5 y/oHK$8,900
10 y/oHK$3,400
15 y/oHK$3,400
20 y/oHK$3,242
25 y/oHK$4,212
30 y/oHK$4,913
35 y/oHK$5,587
40 y/oHK$6,288
45 y/oHK$7,580
50 y/oHK$9,561
55 y/oHK$13,264
60 y/oHK$17,568
65 y/oHK$23,349
70 y/oHK$29,703
75 y/oHK$33,237
80 y/oHK$41,516
85 y/oHK$46,801
90 y/oHK$50,416
95 y/oHK$52,433
99 y/oHK$53,778
+14.0%
All-ages avg
0 y/oHK$10,146 (+14.0%)
5 y/oHK$10,146 (+14.0%)
10 y/oHK$3,876 (+14.0%)
15 y/oHK$3,876 (+14.0%)
20 y/oHK$3,696 (+14.0%)
25 y/oHK$4,802 (+14.0%)
30 y/oHK$5,601 (+14.0%)
35 y/oHK$6,369 (+14.0%)
40 y/oHK$7,168 (+14.0%)
45 y/oHK$8,641 (+14.0%)
50 y/oHK$10,900 (+14.0%)
55 y/oHK$15,121 (+14.0%)
60 y/oHK$20,028 (+14.0%)
65 y/oHK$26,618 (+14.0%)
70 y/oHK$33,861 (+14.0%)
75 y/oHK$37,890 (+14.0%)
80 y/oHK$47,328 (+14.0%)
85 y/oHK$53,353 (+14.0%)
90 y/oHK$57,474 (+14.0%)
95 y/oHK$59,774 (+14.0%)
99 y/oHK$61,307 (+14.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-07-02
0 y/o+1.28%
5 y/o+1.28%
10 y/o+1.87%
15 y/o+1.87%
20 y/o+3.63%
25 y/o+3.78%
30 y/o+3.94%
35 y/o+4.15%
40 y/o+4.31%
45 y/o+4.28%
50 y/o+3.82%
55 y/o+2.22%
60 y/o+1.36%
65 y/o+0.66%
70 y/o+0.50%
75 y/o+1.22%
80 y/o+1.19%
85 y/o+1.32%
90 y/o+1.46%
95 y/o+1.57%
99 y/o+1.68%
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 | F00030-02-000-01 2019-06-03 | F00030-02-000-02 2021-04-01 | F00030-02-000-03 2026-06-01 | Avg. annual increase |
|---|---|---|---|---|
| 0 | HK$8,900 | HK$8,900 | HK$9,348 (+5.0%) | +1.28% |
| 5 | HK$8,900 | HK$8,900 | HK$9,348 (+5.0%) | +1.28% |
| 10 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 15 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 20 | HK$3,242 | HK$3,242 | HK$4,704 (+45.1%) | +3.63% |
| 25 | HK$4,212 | HK$4,212 | HK$6,234 (+48.0%) | +3.78% |
| 30 | HK$4,913 | HK$4,913 | HK$7,425 (+51.1%) | +3.94% |
| 35 | HK$5,587 | HK$5,587 | HK$8,688 (+55.5%) | +4.15% |
| 40 | HK$6,288 | HK$6,288 | HK$9,990 (+58.9%) | +4.31% |
| 45 | HK$7,580 | HK$7,580 | HK$11,991 (+58.2%) | +4.28% |
| 50 | HK$9,561 | HK$9,561 | HK$14,226 (+48.8%) | +3.82% |
| 55 | HK$13,264 | HK$13,264 | HK$15,881 (+19.7%) | +2.22% |
| 60 | HK$17,568 | HK$17,568 | HK$18,648 (+6.1%) | +1.36% |
| 65 | HK$23,349 | HK$23,349 | HK$22,458 (-3.8%) | +0.66% |
| 70 | HK$29,703 | HK$29,703 | HK$27,940 (-5.9%) | +0.50% |
| 75 | HK$33,237 | HK$33,237 | HK$34,615 (+4.1%) | +1.22% |
| 80 | HK$41,516 | HK$41,516 | HK$43,068 (+3.7%) | +1.19% |
| 85 | HK$46,801 | HK$46,801 | HK$49,442 (+5.6%) | +1.32% |
| 90 | HK$50,416 | HK$50,416 | HK$54,267 (+7.6%) | +1.46% |
| 95 | HK$52,433 | HK$52,433 | HK$57,311 (+9.3%) | +1.57% |
| 99 | HK$53,778 | HK$53,778 | HK$59,694 (+11.0%) | +1.68% |
| All ages average | — | 0.0% | +22.0% | — |
0 y/oHK$8,900
5 y/oHK$8,900
10 y/oHK$3,400
15 y/oHK$3,400
20 y/oHK$3,242
25 y/oHK$4,212
30 y/oHK$4,913
35 y/oHK$5,587
40 y/oHK$6,288
45 y/oHK$7,580
50 y/oHK$9,561
55 y/oHK$13,264
60 y/oHK$17,568
65 y/oHK$23,349
70 y/oHK$29,703
75 y/oHK$33,237
80 y/oHK$41,516
85 y/oHK$46,801
90 y/oHK$50,416
95 y/oHK$52,433
99 y/oHK$53,778
0.0%
All-ages avg
0 y/oHK$8,900
5 y/oHK$8,900
10 y/oHK$3,400
15 y/oHK$3,400
20 y/oHK$3,242
25 y/oHK$4,212
30 y/oHK$4,913
35 y/oHK$5,587
40 y/oHK$6,288
45 y/oHK$7,580
50 y/oHK$9,561
55 y/oHK$13,264
60 y/oHK$17,568
65 y/oHK$23,349
70 y/oHK$29,703
75 y/oHK$33,237
80 y/oHK$41,516
85 y/oHK$46,801
90 y/oHK$50,416
95 y/oHK$52,433
99 y/oHK$53,778
+22.0%
All-ages avg
0 y/oHK$9,348 (+5.0%)
5 y/oHK$9,348 (+5.0%)
10 y/oHK$3,876 (+14.0%)
15 y/oHK$3,876 (+14.0%)
20 y/oHK$4,704 (+45.1%)
25 y/oHK$6,234 (+48.0%)
30 y/oHK$7,425 (+51.1%)
35 y/oHK$8,688 (+55.5%)
40 y/oHK$9,990 (+58.9%)
45 y/oHK$11,991 (+58.2%)
50 y/oHK$14,226 (+48.8%)
55 y/oHK$15,881 (+19.7%)
60 y/oHK$18,648 (+6.1%)
65 y/oHK$22,458 (-3.8%)
70 y/oHK$27,940 (-5.9%)
75 y/oHK$34,615 (+4.1%)
80 y/oHK$43,068 (+3.7%)
85 y/oHK$49,442 (+5.6%)
90 y/oHK$54,267 (+7.6%)
95 y/oHK$57,311 (+9.3%)
99 y/oHK$59,694 (+11.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-07-02
0 y/o+1.28%
5 y/o+1.28%
10 y/o+1.87%
15 y/o+1.87%
20 y/o+3.63%
25 y/o+3.78%
30 y/o+3.94%
35 y/o+4.15%
40 y/o+4.31%
45 y/o+4.28%
50 y/o+3.82%
55 y/o+2.22%
60 y/o+1.36%
65 y/o+0.66%
70 y/o+0.50%
75 y/o+1.22%
80 y/o+1.19%
85 y/o+1.32%
90 y/o+1.46%
95 y/o+1.57%
99 y/o+1.68%
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.