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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 +5.62%

Male

F00021-02-000-01
2019-04-01
First version (baseline)
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
F00021-02-000-02
2021-04-01
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
F00021-02-000-02
2022-11-01
+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%)
F00021-02-000-02
2023-11-23
+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%)
F00021-02-000-03
2024-07-22
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
F00021-02-000-03
2024-11-23
+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%)
F00021-02-000-03
2025-11-23
+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 2026-07-02
0 y/o+5.63%
5 y/o+5.62%
10 y/o+5.62%
15 y/o+5.62%
20 y/o+5.63%
25 y/o+5.62%
30 y/o+5.62%
35 y/o+5.63%
40 y/o+5.63%
45 y/o+5.63%
50 y/o+5.62%
55 y/o+5.63%
60 y/o+5.63%
65 y/o+5.62%
70 y/o+5.62%
75 y/o+5.62%
80 y/o+5.62%
85 y/o+5.62%
90 y/o+5.62%
95 y/o+5.62%
99 y/o+5.62%
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 2026-07-02

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

F00021-02-000-01
2019-04-01
First version (baseline)
0 y/oHK$6,211
5 y/oHK$4,030
10 y/oHK$3,865
15 y/oHK$3,948
20 y/oHK$4,981
25 y/oHK$6,329
30 y/oHK$7,849
35 y/oHK$9,420
40 y/oHK$10,826
45 y/oHK$12,356
50 y/oHK$14,551
55 y/oHK$15,752
60 y/oHK$17,929
65 y/oHK$23,701
70 y/oHK$30,144
75 y/oHK$30,898
80 y/oHK$30,898
85 y/oHK$30,898
90 y/oHK$30,898
95 y/oHK$30,898
99 y/oHK$30,898
F00021-02-000-02
2021-04-01
0.0%
All-ages avg
0 y/oHK$6,211
5 y/oHK$4,030
10 y/oHK$3,865
15 y/oHK$3,948
20 y/oHK$4,981
25 y/oHK$6,329
30 y/oHK$7,849
35 y/oHK$9,420
40 y/oHK$10,826
45 y/oHK$12,356
50 y/oHK$14,551
55 y/oHK$15,752
60 y/oHK$17,929
65 y/oHK$23,701
70 y/oHK$30,144
75 y/oHK$30,898
80 y/oHK$30,898
85 y/oHK$30,898
90 y/oHK$30,898
95 y/oHK$30,898
99 y/oHK$30,898
F00021-02-000-02
2022-11-01
+10.0%
All-ages avg
0 y/oHK$6,832 (+10.0%)
5 y/oHK$4,433 (+10.0%)
10 y/oHK$4,252 (+10.0%)
15 y/oHK$4,343 (+10.0%)
20 y/oHK$5,479 (+10.0%)
25 y/oHK$6,962 (+10.0%)
30 y/oHK$8,633 (+10.0%)
35 y/oHK$10,362 (+10.0%)
40 y/oHK$11,908 (+10.0%)
45 y/oHK$13,592 (+10.0%)
50 y/oHK$16,006 (+10.0%)
55 y/oHK$17,327 (+10.0%)
60 y/oHK$19,721 (+10.0%)
65 y/oHK$26,071 (+10.0%)
70 y/oHK$33,158 (+10.0%)
75 y/oHK$33,987 (+10.0%)
80 y/oHK$33,987 (+10.0%)
85 y/oHK$33,987 (+10.0%)
90 y/oHK$33,987 (+10.0%)
95 y/oHK$33,987 (+10.0%)
99 y/oHK$33,987 (+10.0%)
F00021-02-000-02
2023-11-23
+10.0%
All-ages avg
0 y/oHK$7,515 (+10.0%)
5 y/oHK$4,876 (+10.0%)
10 y/oHK$4,677 (+10.0%)
15 y/oHK$4,777 (+10.0%)
20 y/oHK$6,026 (+10.0%)
25 y/oHK$7,658 (+10.0%)
30 y/oHK$9,496 (+10.0%)
35 y/oHK$11,398 (+10.0%)
40 y/oHK$13,099 (+10.0%)
45 y/oHK$14,951 (+10.0%)
50 y/oHK$17,607 (+10.0%)
55 y/oHK$19,061 (+10.0%)
60 y/oHK$21,694 (+10.0%)
65 y/oHK$28,679 (+10.0%)
70 y/oHK$36,474 (+10.0%)
75 y/oHK$37,386 (+10.0%)
80 y/oHK$37,386 (+10.0%)
85 y/oHK$37,386 (+10.0%)
90 y/oHK$37,386 (+10.0%)
95 y/oHK$37,386 (+10.0%)
99 y/oHK$37,386 (+10.0%)
F00021-02-000-03
2024-07-22
0.0%
All-ages avg
0 y/oHK$7,515
5 y/oHK$4,876
10 y/oHK$4,677
15 y/oHK$4,777
20 y/oHK$6,026
25 y/oHK$7,658
30 y/oHK$9,496
35 y/oHK$11,398
40 y/oHK$13,099
45 y/oHK$14,951
50 y/oHK$17,607
55 y/oHK$19,061
60 y/oHK$21,694
65 y/oHK$28,679
70 y/oHK$36,474
75 y/oHK$37,386
80 y/oHK$37,386
85 y/oHK$37,386
90 y/oHK$37,386
95 y/oHK$37,386
99 y/oHK$37,386
F00021-02-000-03
2024-11-23
+10.0%
All-ages avg
0 y/oHK$8,267 (+10.0%)
5 y/oHK$5,364 (+10.0%)
10 y/oHK$5,145 (+10.0%)
15 y/oHK$5,255 (+10.0%)
20 y/oHK$6,629 (+10.0%)
25 y/oHK$8,424 (+10.0%)
30 y/oHK$10,446 (+10.0%)
35 y/oHK$12,537 (+10.0%)
40 y/oHK$14,408 (+10.0%)
45 y/oHK$16,446 (+10.0%)
50 y/oHK$19,368 (+10.0%)
55 y/oHK$20,967 (+10.0%)
60 y/oHK$23,863 (+10.0%)
65 y/oHK$31,546 (+10.0%)
70 y/oHK$40,121 (+10.0%)
75 y/oHK$41,124 (+10.0%)
80 y/oHK$41,124 (+10.0%)
85 y/oHK$41,124 (+10.0%)
90 y/oHK$41,124 (+10.0%)
95 y/oHK$41,124 (+10.0%)
99 y/oHK$41,124 (+10.0%)
F00021-02-000-03
2025-11-23
+12.0%
All-ages avg
0 y/oHK$9,258 (+12.0%)
5 y/oHK$6,008 (+12.0%)
10 y/oHK$5,763 (+12.0%)
15 y/oHK$5,886 (+12.0%)
20 y/oHK$7,424 (+12.0%)
25 y/oHK$9,435 (+12.0%)
30 y/oHK$11,700 (+12.0%)
35 y/oHK$14,042 (+12.0%)
40 y/oHK$16,137 (+12.0%)
45 y/oHK$18,420 (+12.0%)
50 y/oHK$21,692 (+12.0%)
55 y/oHK$23,482 (+12.0%)
60 y/oHK$26,726 (+12.0%)
65 y/oHK$35,332 (+12.0%)
70 y/oHK$44,936 (+12.0%)
75 y/oHK$46,058 (+12.0%)
80 y/oHK$46,058 (+12.0%)
85 y/oHK$46,058 (+12.0%)
90 y/oHK$46,058 (+12.0%)
95 y/oHK$46,058 (+12.0%)
99 y/oHK$46,058 (+12.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-07-02
0 y/o+5.62%
5 y/o+5.63%
10 y/o+5.63%
15 y/o+5.63%
20 y/o+5.62%
25 y/o+5.62%
30 y/o+5.62%
35 y/o+5.62%
40 y/o+5.62%
45 y/o+5.63%
50 y/o+5.62%
55 y/o+5.62%
60 y/o+5.62%
65 y/o+5.62%
70 y/o+5.62%
75 y/o+5.62%
80 y/o+5.62%
85 y/o+5.62%
90 y/o+5.62%
95 y/o+5.62%
99 y/o+5.62%
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 2026-07-02

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.