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Healthy Life Premier Medical Insurance Plan - Private with SMM

Axis change

健康常伴優越醫療保險計劃 - 私家病房連附加保障

China Life Insurance (Overseas) Company Limited · F00030-02-001 · 3 versions · Flexi plan · Avg. annual increase +2.20%

Data notes (1)
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.
HKD
F00030-02-001-01
2019-06-03
First version (baseline)
0 y/oHK$12,200
5 y/oHK$12,200
10 y/oHK$4,600
15 y/oHK$4,600
20 y/oHK$4,340
25 y/oHK$5,702
30 y/oHK$6,717
35 y/oHK$7,616
40 y/oHK$8,496
45 y/oHK$10,129
50 y/oHK$12,674
55 y/oHK$17,609
60 y/oHK$23,359
65 y/oHK$30,940
70 y/oHK$39,211
75 y/oHK$44,244
80 y/oHK$55,873
85 y/oHK$63,023
90 y/oHK$67,997
95 y/oHK$70,532
99 y/oHK$72,142
F00030-02-001-02
2021-04-01
0.0%
All-ages avg
0 y/oHK$12,200
5 y/oHK$12,200
10 y/oHK$4,600
15 y/oHK$4,600
20 y/oHK$4,340
25 y/oHK$5,702
30 y/oHK$6,717
35 y/oHK$7,616
40 y/oHK$8,496
45 y/oHK$10,129
50 y/oHK$12,674
55 y/oHK$17,609
60 y/oHK$23,359
65 y/oHK$30,940
70 y/oHK$39,211
75 y/oHK$44,244
80 y/oHK$55,873
85 y/oHK$63,023
90 y/oHK$67,997
95 y/oHK$70,532
99 y/oHK$72,142
F00030-02-001-03
2026-06-01
+14.0%
All-ages avg
0 y/oHK$13,908 (+14.0%)
5 y/oHK$13,908 (+14.0%)
10 y/oHK$5,244 (+14.0%)
15 y/oHK$5,244 (+14.0%)
20 y/oHK$4,948 (+14.0%)
25 y/oHK$6,500 (+14.0%)
30 y/oHK$7,657 (+14.0%)
35 y/oHK$8,682 (+14.0%)
40 y/oHK$9,685 (+14.0%)
45 y/oHK$11,547 (+14.0%)
50 y/oHK$14,448 (+14.0%)
55 y/oHK$20,074 (+14.0%)
60 y/oHK$26,629 (+14.0%)
65 y/oHK$35,272 (+14.0%)
70 y/oHK$44,701 (+14.0%)
75 y/oHK$50,438 (+14.0%)
80 y/oHK$63,695 (+14.0%)
85 y/oHK$71,846 (+14.0%)
90 y/oHK$77,517 (+14.0%)
95 y/oHK$80,406 (+14.0%)
99 y/oHK$82,242 (+14.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+1.82%
5 y/o+1.82%
10 y/o+1.82%
15 y/o+1.82%
20 y/o+1.82%
25 y/o+1.81%
30 y/o+1.81%
35 y/o+1.82%
40 y/o+1.81%
45 y/o+1.82%
50 y/o+1.82%
55 y/o+1.82%
60 y/o+1.82%
65 y/o+1.82%
70 y/o+1.82%
75 y/o+1.82%
80 y/o+1.82%
85 y/o+1.82%
90 y/o+1.82%
95 y/o+1.82%
99 y/o+1.82%
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.