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''BetterCare'' Medical Insurance Plan - Benefit Level 3 with SMM (HKD)
Renewal only「樂康保」醫療保障計劃 - 保障級別 3+超額醫療保障 (港元)
Chow Tai Fook Life Insurance Co Ltd · F00021-03-000 · 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$14,085 | HK$14,085 | HK$15,493 (+10.0%) | HK$17,042 (+10.0%) | HK$17,042 | HK$18,746 (+10.0%) | HK$20,996 (+12.0%) | +5.47% |
| 5 y/o | HK$8,160 | HK$8,160 | HK$8,975 (+10.0%) | HK$9,873 (+10.0%) | HK$9,873 | HK$10,860 (+10.0%) | HK$12,163 (+12.0%) | +5.46% |
| 10 y/o | HK$7,342 | HK$7,342 | HK$8,076 (+10.0%) | HK$8,883 (+10.0%) | HK$8,883 | HK$9,771 (+10.0%) | HK$10,944 (+12.0%) | +5.47% |
| 15 y/o | HK$7,527 | HK$7,527 | HK$8,280 (+10.0%) | HK$9,108 (+10.0%) | HK$9,108 | HK$10,019 (+10.0%) | HK$11,221 (+12.0%) | +5.47% |
| 20 y/o | HK$8,755 | HK$8,755 | HK$9,630 (+10.0%) | HK$10,593 (+10.0%) | HK$10,593 | HK$11,652 (+10.0%) | HK$13,051 (+12.0%) | +5.47% |
| 25 y/o | HK$9,737 | HK$9,737 | HK$10,711 (+10.0%) | HK$11,782 (+10.0%) | HK$11,782 | HK$12,961 (+10.0%) | HK$14,515 (+12.0%) | +5.47% |
| 30 y/o | HK$11,439 | HK$11,439 | HK$12,583 (+10.0%) | HK$13,842 (+10.0%) | HK$13,842 | HK$15,226 (+10.0%) | HK$17,054 (+12.0%) | +5.47% |
| 35 y/o | HK$12,517 | HK$12,517 | HK$13,768 (+10.0%) | HK$15,145 (+10.0%) | HK$15,145 | HK$16,660 (+10.0%) | HK$18,658 (+12.0%) | +5.47% |
| 40 y/o | HK$14,538 | HK$14,538 | HK$15,992 (+10.0%) | HK$17,590 (+10.0%) | HK$17,590 | HK$19,350 (+10.0%) | HK$21,671 (+12.0%) | +5.47% |
| 45 y/o | HK$17,590 | HK$17,590 | HK$19,350 (+10.0%) | HK$21,285 (+10.0%) | HK$21,285 | HK$23,413 (+10.0%) | HK$26,223 (+12.0%) | +5.47% |
| 50 y/o | HK$21,227 | HK$21,227 | HK$23,350 (+10.0%) | HK$25,685 (+10.0%) | HK$25,685 | HK$28,254 (+10.0%) | HK$31,644 (+12.0%) | +5.47% |
| 55 y/o | HK$26,160 | HK$26,160 | HK$28,775 (+10.0%) | HK$31,652 (+10.0%) | HK$31,652 | HK$34,818 (+10.0%) | HK$38,996 (+12.0%) | +5.47% |
| 60 y/o | HK$33,760 | HK$33,760 | HK$37,136 (+10.0%) | HK$40,849 (+10.0%) | HK$40,849 | HK$44,933 (+10.0%) | HK$50,325 (+12.0%) | +5.47% |
| 65 y/o | HK$52,974 | HK$52,974 | HK$58,271 (+10.0%) | HK$64,099 (+10.0%) | HK$64,099 | HK$70,508 (+10.0%) | HK$78,969 (+12.0%) | +5.47% |
| 70 y/o | HK$70,056 | HK$70,056 | HK$77,062 (+10.0%) | HK$84,768 (+10.0%) | HK$84,768 | HK$93,245 (+10.0%) | HK$104,435 (+12.0%) | +5.47% |
| 75 y/o | HK$71,807 | HK$71,807 | HK$78,988 (+10.0%) | HK$86,887 (+10.0%) | HK$86,887 | HK$95,576 (+10.0%) | HK$107,045 (+12.0%) | +5.47% |
| 80 y/o | HK$71,807 | HK$71,807 | HK$78,988 (+10.0%) | HK$86,887 (+10.0%) | HK$86,887 | HK$95,576 (+10.0%) | HK$107,045 (+12.0%) | +5.47% |
| 85 y/o | HK$71,807 | HK$71,807 | HK$78,988 (+10.0%) | HK$86,887 (+10.0%) | HK$86,887 | HK$95,576 (+10.0%) | HK$107,045 (+12.0%) | +5.47% |
| 90 y/o | HK$71,807 | HK$71,807 | HK$78,988 (+10.0%) | HK$86,887 (+10.0%) | HK$86,887 | HK$95,576 (+10.0%) | HK$107,045 (+12.0%) | +5.47% |
| 95 y/o | HK$71,807 | HK$71,807 | HK$78,988 (+10.0%) | HK$86,887 (+10.0%) | HK$86,887 | HK$95,576 (+10.0%) | HK$107,045 (+12.0%) | +5.47% |
| 99 y/o | HK$71,807 | HK$71,807 | HK$78,988 (+10.0%) | HK$86,887 (+10.0%) | HK$86,887 | HK$95,576 (+10.0%) | HK$107,045 (+12.0%) | +5.47% |
| All ages average | — | 0.0% | +10.0% | +10.0% | 0.0% | +10.0% | +12.0% | — |
0 y/oHK$14,085
5 y/oHK$8,160
10 y/oHK$7,342
15 y/oHK$7,527
20 y/oHK$8,755
25 y/oHK$9,737
30 y/oHK$11,439
35 y/oHK$12,517
40 y/oHK$14,538
45 y/oHK$17,590
50 y/oHK$21,227
55 y/oHK$26,160
60 y/oHK$33,760
65 y/oHK$52,974
70 y/oHK$70,056
75 y/oHK$71,807
80 y/oHK$71,807
85 y/oHK$71,807
90 y/oHK$71,807
95 y/oHK$71,807
99 y/oHK$71,807
0.0%
All-ages avg
0 y/oHK$14,085
5 y/oHK$8,160
10 y/oHK$7,342
15 y/oHK$7,527
20 y/oHK$8,755
25 y/oHK$9,737
30 y/oHK$11,439
35 y/oHK$12,517
40 y/oHK$14,538
45 y/oHK$17,590
50 y/oHK$21,227
55 y/oHK$26,160
60 y/oHK$33,760
65 y/oHK$52,974
70 y/oHK$70,056
75 y/oHK$71,807
80 y/oHK$71,807
85 y/oHK$71,807
90 y/oHK$71,807
95 y/oHK$71,807
99 y/oHK$71,807
+10.0%
All-ages avg
0 y/oHK$15,493 (+10.0%)
5 y/oHK$8,975 (+10.0%)
10 y/oHK$8,076 (+10.0%)
15 y/oHK$8,280 (+10.0%)
20 y/oHK$9,630 (+10.0%)
25 y/oHK$10,711 (+10.0%)
30 y/oHK$12,583 (+10.0%)
35 y/oHK$13,768 (+10.0%)
40 y/oHK$15,992 (+10.0%)
45 y/oHK$19,350 (+10.0%)
50 y/oHK$23,350 (+10.0%)
55 y/oHK$28,775 (+10.0%)
60 y/oHK$37,136 (+10.0%)
65 y/oHK$58,271 (+10.0%)
70 y/oHK$77,062 (+10.0%)
75 y/oHK$78,988 (+10.0%)
80 y/oHK$78,988 (+10.0%)
85 y/oHK$78,988 (+10.0%)
90 y/oHK$78,988 (+10.0%)
95 y/oHK$78,988 (+10.0%)
99 y/oHK$78,988 (+10.0%)
+10.0%
All-ages avg
0 y/oHK$17,042 (+10.0%)
5 y/oHK$9,873 (+10.0%)
10 y/oHK$8,883 (+10.0%)
15 y/oHK$9,108 (+10.0%)
20 y/oHK$10,593 (+10.0%)
25 y/oHK$11,782 (+10.0%)
30 y/oHK$13,842 (+10.0%)
35 y/oHK$15,145 (+10.0%)
40 y/oHK$17,590 (+10.0%)
45 y/oHK$21,285 (+10.0%)
50 y/oHK$25,685 (+10.0%)
55 y/oHK$31,652 (+10.0%)
60 y/oHK$40,849 (+10.0%)
65 y/oHK$64,099 (+10.0%)
70 y/oHK$84,768 (+10.0%)
75 y/oHK$86,887 (+10.0%)
80 y/oHK$86,887 (+10.0%)
85 y/oHK$86,887 (+10.0%)
90 y/oHK$86,887 (+10.0%)
95 y/oHK$86,887 (+10.0%)
99 y/oHK$86,887 (+10.0%)
0.0%
All-ages avg
0 y/oHK$17,042
5 y/oHK$9,873
10 y/oHK$8,883
15 y/oHK$9,108
20 y/oHK$10,593
25 y/oHK$11,782
30 y/oHK$13,842
35 y/oHK$15,145
40 y/oHK$17,590
45 y/oHK$21,285
50 y/oHK$25,685
55 y/oHK$31,652
60 y/oHK$40,849
65 y/oHK$64,099
70 y/oHK$84,768
75 y/oHK$86,887
80 y/oHK$86,887
85 y/oHK$86,887
90 y/oHK$86,887
95 y/oHK$86,887
99 y/oHK$86,887
+10.0%
All-ages avg
0 y/oHK$18,746 (+10.0%)
5 y/oHK$10,860 (+10.0%)
10 y/oHK$9,771 (+10.0%)
15 y/oHK$10,019 (+10.0%)
20 y/oHK$11,652 (+10.0%)
25 y/oHK$12,961 (+10.0%)
30 y/oHK$15,226 (+10.0%)
35 y/oHK$16,660 (+10.0%)
40 y/oHK$19,350 (+10.0%)
45 y/oHK$23,413 (+10.0%)
50 y/oHK$28,254 (+10.0%)
55 y/oHK$34,818 (+10.0%)
60 y/oHK$44,933 (+10.0%)
65 y/oHK$70,508 (+10.0%)
70 y/oHK$93,245 (+10.0%)
75 y/oHK$95,576 (+10.0%)
80 y/oHK$95,576 (+10.0%)
85 y/oHK$95,576 (+10.0%)
90 y/oHK$95,576 (+10.0%)
95 y/oHK$95,576 (+10.0%)
99 y/oHK$95,576 (+10.0%)
+12.0%
All-ages avg
0 y/oHK$20,996 (+12.0%)
5 y/oHK$12,163 (+12.0%)
10 y/oHK$10,944 (+12.0%)
15 y/oHK$11,221 (+12.0%)
20 y/oHK$13,051 (+12.0%)
25 y/oHK$14,515 (+12.0%)
30 y/oHK$17,054 (+12.0%)
35 y/oHK$18,658 (+12.0%)
40 y/oHK$21,671 (+12.0%)
45 y/oHK$26,223 (+12.0%)
50 y/oHK$31,644 (+12.0%)
55 y/oHK$38,996 (+12.0%)
60 y/oHK$50,325 (+12.0%)
65 y/oHK$78,969 (+12.0%)
70 y/oHK$104,435 (+12.0%)
75 y/oHK$107,045 (+12.0%)
80 y/oHK$107,045 (+12.0%)
85 y/oHK$107,045 (+12.0%)
90 y/oHK$107,045 (+12.0%)
95 y/oHK$107,045 (+12.0%)
99 y/oHK$107,045 (+12.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-10-01
0 y/o+5.47%
5 y/o+5.46%
10 y/o+5.47%
15 y/o+5.47%
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.