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''BetterCare'' Medical Insurance Plan - Benefit Level 1 with SMM (HKD)
Renewal only「樂康保」醫療保障計劃 - 保障級別 1+超額醫療保障 (港元)
Chow Tai Fook Life Insurance Co Ltd · F00021-01-000 · 7 versions · Flexi plan · Avg. annual increase +5.50%
HKD
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| Age | 2019-04-01 | 2021-04-01 | 2022-11-01 | 2023-11-23 | 2024-07-22 | 2024-11-23 | Latest 2025-11-23 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 y/o | HK$4,605 | HK$4,605 | HK$5,065 (+10.0%) | HK$5,573 (+10.0%) | HK$5,573 | HK$6,130 (+10.0%) | HK$6,865 (+12.0%) | +5.50% |
| 5 y/o | HK$2,836 | HK$2,836 | HK$3,119 (+10.0%) | HK$3,431 (+10.0%) | HK$3,431 | HK$3,774 (+10.0%) | HK$4,226 (+12.0%) | +5.50% |
| 10 y/o | HK$2,552 | HK$2,552 | HK$2,807 (+10.0%) | HK$3,088 (+10.0%) | HK$3,088 | HK$3,396 (+10.0%) | HK$3,804 (+12.0%) | +5.50% |
| 15 y/o | HK$2,617 | HK$2,617 | HK$2,879 (+10.0%) | HK$3,167 (+10.0%) | HK$3,167 | HK$3,483 (+10.0%) | HK$3,901 (+12.0%) | +5.50% |
| 20 y/o | HK$2,889 | HK$2,889 | HK$3,179 (+10.0%) | HK$3,496 (+10.0%) | HK$3,496 | HK$3,846 (+10.0%) | HK$4,308 (+12.0%) | +5.51% |
| 25 y/o | HK$3,274 | HK$3,274 | HK$3,601 (+10.0%) | HK$3,962 (+10.0%) | HK$3,962 | HK$4,358 (+10.0%) | HK$4,881 (+12.0%) | +5.50% |
| 30 y/o | HK$3,773 | HK$3,773 | HK$4,150 (+10.0%) | HK$4,565 (+10.0%) | HK$4,565 | HK$5,023 (+10.0%) | HK$5,625 (+12.0%) | +5.50% |
| 35 y/o | HK$4,124 | HK$4,124 | HK$4,536 (+10.0%) | HK$4,989 (+10.0%) | HK$4,989 | HK$5,488 (+10.0%) | HK$6,146 (+12.0%) | +5.50% |
| 40 y/o | HK$4,702 | HK$4,702 | HK$5,173 (+10.0%) | HK$5,690 (+10.0%) | HK$5,690 | HK$6,260 (+10.0%) | HK$7,011 (+12.0%) | +5.50% |
| 45 y/o | HK$5,605 | HK$5,605 | HK$6,165 (+10.0%) | HK$6,782 (+10.0%) | HK$6,782 | HK$7,461 (+10.0%) | HK$8,356 (+12.0%) | +5.50% |
| 50 y/o | HK$6,771 | HK$6,771 | HK$7,449 (+10.0%) | HK$8,194 (+10.0%) | HK$8,194 | HK$9,013 (+10.0%) | HK$10,095 (+12.0%) | +5.50% |
| 55 y/o | HK$8,501 | HK$8,501 | HK$9,351 (+10.0%) | HK$10,287 (+10.0%) | HK$10,287 | HK$11,315 (+10.0%) | HK$12,674 (+12.0%) | +5.50% |
| 60 y/o | HK$10,982 | HK$10,982 | HK$12,081 (+10.0%) | HK$13,289 (+10.0%) | HK$13,289 | HK$14,618 (+10.0%) | HK$16,371 (+12.0%) | +5.50% |
| 65 y/o | HK$16,158 | HK$16,158 | HK$17,774 (+10.0%) | HK$19,551 (+10.0%) | HK$19,551 | HK$21,506 (+10.0%) | HK$24,087 (+12.0%) | +5.50% |
| 70 y/o | HK$19,701 | HK$19,701 | HK$21,671 (+10.0%) | HK$23,838 (+10.0%) | HK$23,838 | HK$26,221 (+10.0%) | HK$29,368 (+12.0%) | +5.50% |
| 75 y/o | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.50% |
| 80 y/o | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.50% |
| 85 y/o | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.50% |
| 90 y/o | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.50% |
| 95 y/o | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.50% |
| 99 y/o | HK$20,194 | HK$20,194 | HK$22,213 (+10.0%) | HK$24,435 (+10.0%) | HK$24,435 | HK$26,879 (+10.0%) | HK$30,104 (+12.0%) | +5.50% |
| All ages average | — | 0.0% | +10.0% | +10.0% | 0.0% | +10.0% | +12.0% | — |
0 y/oHK$4,605
5 y/oHK$2,836
10 y/oHK$2,552
15 y/oHK$2,617
20 y/oHK$2,889
25 y/oHK$3,274
30 y/oHK$3,773
35 y/oHK$4,124
40 y/oHK$4,702
45 y/oHK$5,605
50 y/oHK$6,771
55 y/oHK$8,501
60 y/oHK$10,982
65 y/oHK$16,158
70 y/oHK$19,701
75 y/oHK$20,194
80 y/oHK$20,194
85 y/oHK$20,194
90 y/oHK$20,194
95 y/oHK$20,194
99 y/oHK$20,194
0.0%
All-ages avg
0 y/oHK$4,605
5 y/oHK$2,836
10 y/oHK$2,552
15 y/oHK$2,617
20 y/oHK$2,889
25 y/oHK$3,274
30 y/oHK$3,773
35 y/oHK$4,124
40 y/oHK$4,702
45 y/oHK$5,605
50 y/oHK$6,771
55 y/oHK$8,501
60 y/oHK$10,982
65 y/oHK$16,158
70 y/oHK$19,701
75 y/oHK$20,194
80 y/oHK$20,194
85 y/oHK$20,194
90 y/oHK$20,194
95 y/oHK$20,194
99 y/oHK$20,194
+10.0%
All-ages avg
0 y/oHK$5,065 (+10.0%)
5 y/oHK$3,119 (+10.0%)
10 y/oHK$2,807 (+10.0%)
15 y/oHK$2,879 (+10.0%)
20 y/oHK$3,179 (+10.0%)
25 y/oHK$3,601 (+10.0%)
30 y/oHK$4,150 (+10.0%)
35 y/oHK$4,536 (+10.0%)
40 y/oHK$5,173 (+10.0%)
45 y/oHK$6,165 (+10.0%)
50 y/oHK$7,449 (+10.0%)
55 y/oHK$9,351 (+10.0%)
60 y/oHK$12,081 (+10.0%)
65 y/oHK$17,774 (+10.0%)
70 y/oHK$21,671 (+10.0%)
75 y/oHK$22,213 (+10.0%)
80 y/oHK$22,213 (+10.0%)
85 y/oHK$22,213 (+10.0%)
90 y/oHK$22,213 (+10.0%)
95 y/oHK$22,213 (+10.0%)
99 y/oHK$22,213 (+10.0%)
+10.0%
All-ages avg
0 y/oHK$5,573 (+10.0%)
5 y/oHK$3,431 (+10.0%)
10 y/oHK$3,088 (+10.0%)
15 y/oHK$3,167 (+10.0%)
20 y/oHK$3,496 (+10.0%)
25 y/oHK$3,962 (+10.0%)
30 y/oHK$4,565 (+10.0%)
35 y/oHK$4,989 (+10.0%)
40 y/oHK$5,690 (+10.0%)
45 y/oHK$6,782 (+10.0%)
50 y/oHK$8,194 (+10.0%)
55 y/oHK$10,287 (+10.0%)
60 y/oHK$13,289 (+10.0%)
65 y/oHK$19,551 (+10.0%)
70 y/oHK$23,838 (+10.0%)
75 y/oHK$24,435 (+10.0%)
80 y/oHK$24,435 (+10.0%)
85 y/oHK$24,435 (+10.0%)
90 y/oHK$24,435 (+10.0%)
95 y/oHK$24,435 (+10.0%)
99 y/oHK$24,435 (+10.0%)
0.0%
All-ages avg
0 y/oHK$5,573
5 y/oHK$3,431
10 y/oHK$3,088
15 y/oHK$3,167
20 y/oHK$3,496
25 y/oHK$3,962
30 y/oHK$4,565
35 y/oHK$4,989
40 y/oHK$5,690
45 y/oHK$6,782
50 y/oHK$8,194
55 y/oHK$10,287
60 y/oHK$13,289
65 y/oHK$19,551
70 y/oHK$23,838
75 y/oHK$24,435
80 y/oHK$24,435
85 y/oHK$24,435
90 y/oHK$24,435
95 y/oHK$24,435
99 y/oHK$24,435
+10.0%
All-ages avg
0 y/oHK$6,130 (+10.0%)
5 y/oHK$3,774 (+10.0%)
10 y/oHK$3,396 (+10.0%)
15 y/oHK$3,483 (+10.0%)
20 y/oHK$3,846 (+10.0%)
25 y/oHK$4,358 (+10.0%)
30 y/oHK$5,023 (+10.0%)
35 y/oHK$5,488 (+10.0%)
40 y/oHK$6,260 (+10.0%)
45 y/oHK$7,461 (+10.0%)
50 y/oHK$9,013 (+10.0%)
55 y/oHK$11,315 (+10.0%)
60 y/oHK$14,618 (+10.0%)
65 y/oHK$21,506 (+10.0%)
70 y/oHK$26,221 (+10.0%)
75 y/oHK$26,879 (+10.0%)
80 y/oHK$26,879 (+10.0%)
85 y/oHK$26,879 (+10.0%)
90 y/oHK$26,879 (+10.0%)
95 y/oHK$26,879 (+10.0%)
99 y/oHK$26,879 (+10.0%)
+12.0%
All-ages avg
0 y/oHK$6,865 (+12.0%)
5 y/oHK$4,226 (+12.0%)
10 y/oHK$3,804 (+12.0%)
15 y/oHK$3,901 (+12.0%)
20 y/oHK$4,308 (+12.0%)
25 y/oHK$4,881 (+12.0%)
30 y/oHK$5,625 (+12.0%)
35 y/oHK$6,146 (+12.0%)
40 y/oHK$7,011 (+12.0%)
45 y/oHK$8,356 (+12.0%)
50 y/oHK$10,095 (+12.0%)
55 y/oHK$12,674 (+12.0%)
60 y/oHK$16,371 (+12.0%)
65 y/oHK$24,087 (+12.0%)
70 y/oHK$29,368 (+12.0%)
75 y/oHK$30,104 (+12.0%)
80 y/oHK$30,104 (+12.0%)
85 y/oHK$30,104 (+12.0%)
90 y/oHK$30,104 (+12.0%)
95 y/oHK$30,104 (+12.0%)
99 y/oHK$30,104 (+12.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+5.50%
5 y/o+5.50%
10 y/o+5.50%
15 y/o+5.50%
20 y/o+5.51%
25 y/o+5.50%
30 y/o+5.50%
35 y/o+5.50%
40 y/o+5.50%
45 y/o+5.50%
50 y/o+5.50%
55 y/o+5.50%
60 y/o+5.50%
65 y/o+5.50%
70 y/o+5.50%
75 y/o+5.50%
80 y/o+5.50%
85 y/o+5.50%
90 y/o+5.50%
95 y/o+5.50%
99 y/o+5.50%
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.