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''BetterCare'' Medical Insurance Plan - Benefit Level 2 with SMM (HKD)
Renewal only「樂康保」醫療保障計劃 - 保障級別 2+超額醫療保障 (港元)
Chow Tai Fook Life Insurance Co Ltd · F00021-02-000 · 7 versions · Flexi plan · Avg. annual increase +5.47%
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$7,935 | HK$7,935 | HK$8,729 (+10.0%) | HK$9,601 (+10.0%) | HK$9,601 | HK$10,562 (+10.0%) | HK$11,830 (+12.0%) | +5.47% |
| 5 y/o | HK$4,567 | HK$4,567 | HK$5,024 (+10.0%) | HK$5,526 (+10.0%) | HK$5,526 | HK$6,079 (+10.0%) | HK$6,808 (+12.0%) | +5.47% |
| 10 y/o | HK$4,112 | HK$4,112 | HK$4,523 (+10.0%) | HK$4,975 (+10.0%) | HK$4,975 | HK$5,473 (+10.0%) | HK$6,130 (+12.0%) | +5.47% |
| 15 y/o | HK$4,214 | HK$4,214 | HK$4,636 (+10.0%) | HK$5,099 (+10.0%) | HK$5,099 | HK$5,608 (+10.0%) | HK$6,281 (+12.0%) | +5.46% |
| 20 y/o | HK$4,694 | HK$4,694 | HK$5,163 (+10.0%) | HK$5,680 (+10.0%) | HK$5,680 | HK$6,248 (+10.0%) | HK$6,998 (+12.0%) | +5.47% |
| 25 y/o | HK$5,338 | HK$5,338 | HK$5,871 (+10.0%) | HK$6,458 (+10.0%) | HK$6,458 | HK$7,105 (+10.0%) | HK$7,957 (+12.0%) | +5.47% |
| 30 y/o | HK$6,267 | HK$6,267 | HK$6,893 (+10.0%) | HK$7,582 (+10.0%) | HK$7,582 | HK$8,340 (+10.0%) | HK$9,342 (+12.0%) | +5.47% |
| 35 y/o | HK$6,921 | HK$6,921 | HK$7,613 (+10.0%) | HK$8,375 (+10.0%) | HK$8,375 | HK$9,213 (+10.0%) | HK$10,319 (+12.0%) | +5.47% |
| 40 y/o | HK$7,935 | HK$7,935 | HK$8,729 (+10.0%) | HK$9,601 (+10.0%) | HK$9,601 | HK$10,562 (+10.0%) | HK$11,830 (+12.0%) | +5.47% |
| 45 y/o | HK$9,315 | HK$9,315 | HK$10,248 (+10.0%) | HK$11,273 (+10.0%) | HK$11,273 | HK$12,400 (+10.0%) | HK$13,888 (+12.0%) | +5.47% |
| 50 y/o | HK$11,195 | HK$11,195 | HK$12,314 (+10.0%) | HK$13,545 (+10.0%) | HK$13,545 | HK$14,900 (+10.0%) | HK$16,688 (+12.0%) | +5.47% |
| 55 y/o | HK$14,002 | HK$14,002 | HK$15,402 (+10.0%) | HK$16,943 (+10.0%) | HK$16,943 | HK$18,637 (+10.0%) | HK$20,874 (+12.0%) | +5.47% |
| 60 y/o | HK$18,101 | HK$18,101 | HK$19,912 (+10.0%) | HK$21,904 (+10.0%) | HK$21,904 | HK$24,094 (+10.0%) | HK$26,986 (+12.0%) | +5.47% |
| 65 y/o | HK$26,610 | HK$26,610 | HK$29,270 (+10.0%) | HK$32,198 (+10.0%) | HK$32,198 | HK$35,418 (+10.0%) | HK$39,668 (+12.0%) | +5.47% |
| 70 y/o | HK$34,368 | HK$34,368 | HK$37,805 (+10.0%) | HK$41,586 (+10.0%) | HK$41,586 | HK$45,744 (+10.0%) | HK$51,233 (+12.0%) | +5.47% |
| 75 y/o | HK$35,226 | HK$35,226 | HK$38,749 (+10.0%) | HK$42,624 (+10.0%) | HK$42,624 | HK$46,886 (+10.0%) | HK$52,512 (+12.0%) | +5.47% |
| 80 y/o | HK$35,226 | HK$35,226 | HK$38,749 (+10.0%) | HK$42,624 (+10.0%) | HK$42,624 | HK$46,886 (+10.0%) | HK$52,512 (+12.0%) | +5.47% |
| 85 y/o | HK$35,226 | HK$35,226 | HK$38,749 (+10.0%) | HK$42,624 (+10.0%) | HK$42,624 | HK$46,886 (+10.0%) | HK$52,512 (+12.0%) | +5.47% |
| 90 y/o | HK$35,226 | HK$35,226 | HK$38,749 (+10.0%) | HK$42,624 (+10.0%) | HK$42,624 | HK$46,886 (+10.0%) | HK$52,512 (+12.0%) | +5.47% |
| 95 y/o | HK$35,226 | HK$35,226 | HK$38,749 (+10.0%) | HK$42,624 (+10.0%) | HK$42,624 | HK$46,886 (+10.0%) | HK$52,512 (+12.0%) | +5.47% |
| 99 y/o | HK$35,226 | HK$35,226 | HK$38,749 (+10.0%) | HK$42,624 (+10.0%) | HK$42,624 | HK$46,886 (+10.0%) | HK$52,512 (+12.0%) | +5.47% |
| All ages average | — | 0.0% | +10.0% | +10.0% | 0.0% | +10.0% | +12.0% | — |
0 y/oHK$7,935
5 y/oHK$4,567
10 y/oHK$4,112
15 y/oHK$4,214
20 y/oHK$4,694
25 y/oHK$5,338
30 y/oHK$6,267
35 y/oHK$6,921
40 y/oHK$7,935
45 y/oHK$9,315
50 y/oHK$11,195
55 y/oHK$14,002
60 y/oHK$18,101
65 y/oHK$26,610
70 y/oHK$34,368
75 y/oHK$35,226
80 y/oHK$35,226
85 y/oHK$35,226
90 y/oHK$35,226
95 y/oHK$35,226
99 y/oHK$35,226
0.0%
All-ages avg
0 y/oHK$7,935
5 y/oHK$4,567
10 y/oHK$4,112
15 y/oHK$4,214
20 y/oHK$4,694
25 y/oHK$5,338
30 y/oHK$6,267
35 y/oHK$6,921
40 y/oHK$7,935
45 y/oHK$9,315
50 y/oHK$11,195
55 y/oHK$14,002
60 y/oHK$18,101
65 y/oHK$26,610
70 y/oHK$34,368
75 y/oHK$35,226
80 y/oHK$35,226
85 y/oHK$35,226
90 y/oHK$35,226
95 y/oHK$35,226
99 y/oHK$35,226
+10.0%
All-ages avg
0 y/oHK$8,729 (+10.0%)
5 y/oHK$5,024 (+10.0%)
10 y/oHK$4,523 (+10.0%)
15 y/oHK$4,636 (+10.0%)
20 y/oHK$5,163 (+10.0%)
25 y/oHK$5,871 (+10.0%)
30 y/oHK$6,893 (+10.0%)
35 y/oHK$7,613 (+10.0%)
40 y/oHK$8,729 (+10.0%)
45 y/oHK$10,248 (+10.0%)
50 y/oHK$12,314 (+10.0%)
55 y/oHK$15,402 (+10.0%)
60 y/oHK$19,912 (+10.0%)
65 y/oHK$29,270 (+10.0%)
70 y/oHK$37,805 (+10.0%)
75 y/oHK$38,749 (+10.0%)
80 y/oHK$38,749 (+10.0%)
85 y/oHK$38,749 (+10.0%)
90 y/oHK$38,749 (+10.0%)
95 y/oHK$38,749 (+10.0%)
99 y/oHK$38,749 (+10.0%)
+10.0%
All-ages avg
0 y/oHK$9,601 (+10.0%)
5 y/oHK$5,526 (+10.0%)
10 y/oHK$4,975 (+10.0%)
15 y/oHK$5,099 (+10.0%)
20 y/oHK$5,680 (+10.0%)
25 y/oHK$6,458 (+10.0%)
30 y/oHK$7,582 (+10.0%)
35 y/oHK$8,375 (+10.0%)
40 y/oHK$9,601 (+10.0%)
45 y/oHK$11,273 (+10.0%)
50 y/oHK$13,545 (+10.0%)
55 y/oHK$16,943 (+10.0%)
60 y/oHK$21,904 (+10.0%)
65 y/oHK$32,198 (+10.0%)
70 y/oHK$41,586 (+10.0%)
75 y/oHK$42,624 (+10.0%)
80 y/oHK$42,624 (+10.0%)
85 y/oHK$42,624 (+10.0%)
90 y/oHK$42,624 (+10.0%)
95 y/oHK$42,624 (+10.0%)
99 y/oHK$42,624 (+10.0%)
0.0%
All-ages avg
0 y/oHK$9,601
5 y/oHK$5,526
10 y/oHK$4,975
15 y/oHK$5,099
20 y/oHK$5,680
25 y/oHK$6,458
30 y/oHK$7,582
35 y/oHK$8,375
40 y/oHK$9,601
45 y/oHK$11,273
50 y/oHK$13,545
55 y/oHK$16,943
60 y/oHK$21,904
65 y/oHK$32,198
70 y/oHK$41,586
75 y/oHK$42,624
80 y/oHK$42,624
85 y/oHK$42,624
90 y/oHK$42,624
95 y/oHK$42,624
99 y/oHK$42,624
+10.0%
All-ages avg
0 y/oHK$10,562 (+10.0%)
5 y/oHK$6,079 (+10.0%)
10 y/oHK$5,473 (+10.0%)
15 y/oHK$5,608 (+10.0%)
20 y/oHK$6,248 (+10.0%)
25 y/oHK$7,105 (+10.0%)
30 y/oHK$8,340 (+10.0%)
35 y/oHK$9,213 (+10.0%)
40 y/oHK$10,562 (+10.0%)
45 y/oHK$12,400 (+10.0%)
50 y/oHK$14,900 (+10.0%)
55 y/oHK$18,637 (+10.0%)
60 y/oHK$24,094 (+10.0%)
65 y/oHK$35,418 (+10.0%)
70 y/oHK$45,744 (+10.0%)
75 y/oHK$46,886 (+10.0%)
80 y/oHK$46,886 (+10.0%)
85 y/oHK$46,886 (+10.0%)
90 y/oHK$46,886 (+10.0%)
95 y/oHK$46,886 (+10.0%)
99 y/oHK$46,886 (+10.0%)
+12.0%
All-ages avg
0 y/oHK$11,830 (+12.0%)
5 y/oHK$6,808 (+12.0%)
10 y/oHK$6,130 (+12.0%)
15 y/oHK$6,281 (+12.0%)
20 y/oHK$6,998 (+12.0%)
25 y/oHK$7,957 (+12.0%)
30 y/oHK$9,342 (+12.0%)
35 y/oHK$10,319 (+12.0%)
40 y/oHK$11,830 (+12.0%)
45 y/oHK$13,888 (+12.0%)
50 y/oHK$16,688 (+12.0%)
55 y/oHK$20,874 (+12.0%)
60 y/oHK$26,986 (+12.0%)
65 y/oHK$39,668 (+12.0%)
70 y/oHK$51,233 (+12.0%)
75 y/oHK$52,512 (+12.0%)
80 y/oHK$52,512 (+12.0%)
85 y/oHK$52,512 (+12.0%)
90 y/oHK$52,512 (+12.0%)
95 y/oHK$52,512 (+12.0%)
99 y/oHK$52,512 (+12.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-10-01
0 y/o+5.47%
5 y/o+5.47%
10 y/o+5.47%
15 y/o+5.46%
20 y/o+5.47%
25 y/o+5.47%
30 y/o+5.47%
35 y/o+5.47%
40 y/o+5.47%
45 y/o+5.47%
50 y/o+5.47%
55 y/o+5.47%
60 y/o+5.47%
65 y/o+5.47%
70 y/o+5.47%
75 y/o+5.47%
80 y/o+5.47%
85 y/o+5.47%
90 y/o+5.47%
95 y/o+5.47%
99 y/o+5.47%
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 2026-10-01
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.