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''TopCare'' Medical Insurance Plan - Benefit Level 1 with SMM (HKD)
「摯康保」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 · F00037-01-000 · 7 versions · Flexi plan · Avg. annual increase +4.07%
HKD
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| Age | 2019-08-30 | 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$5,075 | HK$5,075 | HK$5,481 (+8.0%) | HK$5,919 (+8.0%) | HK$5,919 | HK$6,511 (+10.0%) | HK$6,836 (+5.0%) | +4.32% |
| 5 y/o | HK$2,963 | HK$2,963 | HK$3,200 (+8.0%) | HK$3,456 (+8.0%) | HK$3,456 | HK$3,801 (+10.0%) | HK$3,992 (+5.0%) | +4.32% |
| 10 y/o | HK$2,869 | HK$2,869 | HK$3,099 (+8.0%) | HK$3,346 (+8.0%) | HK$3,346 | HK$3,681 (+10.0%) | HK$3,865 (+5.0%) | +4.32% |
| 15 y/o | HK$2,933 | HK$2,933 | HK$3,168 (+8.0%) | HK$3,421 (+8.0%) | HK$3,421 | HK$3,763 (+10.0%) | HK$3,951 (+5.0%) | +4.32% |
| 20 y/o | HK$3,329 | HK$3,329 | HK$3,595 (+8.0%) | HK$3,883 (+8.0%) | HK$3,883 | HK$4,271 (+10.0%) | HK$4,485 (+5.0%) | +4.32% |
| 25 y/o | HK$3,667 | HK$3,667 | HK$3,960 (+8.0%) | HK$4,276 (+8.0%) | HK$4,276 | HK$4,704 (+10.0%) | HK$4,821 (+2.5%) | +3.96% |
| 30 y/o | HK$4,049 | HK$4,049 | HK$4,373 (+8.0%) | HK$4,723 (+8.0%) | HK$4,723 | HK$5,195 (+10.0%) | HK$5,195 | +3.60% |
| 35 y/o | HK$4,614 | HK$4,614 | HK$4,983 (+8.0%) | HK$5,382 (+8.0%) | HK$5,382 | HK$5,920 (+10.0%) | HK$5,950 (+0.5%) | +3.68% |
| 40 y/o | HK$5,225 | HK$5,225 | HK$5,643 (+8.0%) | HK$6,094 (+8.0%) | HK$6,094 | HK$6,704 (+10.0%) | HK$6,770 (+1.0%) | +3.75% |
| 45 y/o | HK$6,417 | HK$6,417 | HK$6,930 (+8.0%) | HK$7,485 (+8.0%) | HK$7,485 | HK$8,233 (+10.0%) | HK$8,295 (+0.8%) | +3.71% |
| 50 y/o | HK$8,044 | HK$8,044 | HK$8,688 (+8.0%) | HK$9,383 (+8.0%) | HK$9,383 | HK$10,321 (+10.0%) | HK$10,373 (+0.5%) | +3.68% |
| 55 y/o | HK$10,290 | HK$10,290 | HK$11,114 (+8.0%) | HK$12,004 (+8.0%) | HK$12,004 | HK$13,204 (+10.0%) | HK$13,302 (+0.7%) | +3.71% |
| 60 y/o | HK$13,274 | HK$13,274 | HK$14,336 (+8.0%) | HK$15,482 (+8.0%) | HK$15,482 | HK$17,031 (+10.0%) | HK$17,201 (+1.0%) | +3.75% |
| 65 y/o | HK$17,857 | HK$17,857 | HK$19,286 (+8.0%) | HK$20,829 (+8.0%) | HK$20,829 | HK$22,912 (+10.0%) | HK$23,599 (+3.0%) | +4.04% |
| 70 y/o | HK$24,083 | HK$24,083 | HK$26,010 (+8.0%) | HK$28,090 (+8.0%) | HK$28,090 | HK$30,900 (+10.0%) | HK$32,445 (+5.0%) | +4.32% |
| 75 y/o | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.32% |
| 80 y/o | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.32% |
| 85 y/o | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.32% |
| 90 y/o | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.32% |
| 95 y/o | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.32% |
| 99 y/o | HK$25,202 | HK$25,202 | HK$27,219 (+8.0%) | HK$29,396 (+8.0%) | HK$29,396 | HK$32,336 (+10.0%) | HK$33,952 (+5.0%) | +4.32% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$5,075
5 y/oHK$2,963
10 y/oHK$2,869
15 y/oHK$2,933
20 y/oHK$3,329
25 y/oHK$3,667
30 y/oHK$4,049
35 y/oHK$4,614
40 y/oHK$5,225
45 y/oHK$6,417
50 y/oHK$8,044
55 y/oHK$10,290
60 y/oHK$13,274
65 y/oHK$17,857
70 y/oHK$24,083
75 y/oHK$25,202
80 y/oHK$25,202
85 y/oHK$25,202
90 y/oHK$25,202
95 y/oHK$25,202
99 y/oHK$25,202
0.0%
All-ages avg
0 y/oHK$5,075
5 y/oHK$2,963
10 y/oHK$2,869
15 y/oHK$2,933
20 y/oHK$3,329
25 y/oHK$3,667
30 y/oHK$4,049
35 y/oHK$4,614
40 y/oHK$5,225
45 y/oHK$6,417
50 y/oHK$8,044
55 y/oHK$10,290
60 y/oHK$13,274
65 y/oHK$17,857
70 y/oHK$24,083
75 y/oHK$25,202
80 y/oHK$25,202
85 y/oHK$25,202
90 y/oHK$25,202
95 y/oHK$25,202
99 y/oHK$25,202
+8.0%
All-ages avg
0 y/oHK$5,481 (+8.0%)
5 y/oHK$3,200 (+8.0%)
10 y/oHK$3,099 (+8.0%)
15 y/oHK$3,168 (+8.0%)
20 y/oHK$3,595 (+8.0%)
25 y/oHK$3,960 (+8.0%)
30 y/oHK$4,373 (+8.0%)
35 y/oHK$4,983 (+8.0%)
40 y/oHK$5,643 (+8.0%)
45 y/oHK$6,930 (+8.0%)
50 y/oHK$8,688 (+8.0%)
55 y/oHK$11,114 (+8.0%)
60 y/oHK$14,336 (+8.0%)
65 y/oHK$19,286 (+8.0%)
70 y/oHK$26,010 (+8.0%)
75 y/oHK$27,219 (+8.0%)
80 y/oHK$27,219 (+8.0%)
85 y/oHK$27,219 (+8.0%)
90 y/oHK$27,219 (+8.0%)
95 y/oHK$27,219 (+8.0%)
99 y/oHK$27,219 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$5,919 (+8.0%)
5 y/oHK$3,456 (+8.0%)
10 y/oHK$3,346 (+8.0%)
15 y/oHK$3,421 (+8.0%)
20 y/oHK$3,883 (+8.0%)
25 y/oHK$4,276 (+8.0%)
30 y/oHK$4,723 (+8.0%)
35 y/oHK$5,382 (+8.0%)
40 y/oHK$6,094 (+8.0%)
45 y/oHK$7,485 (+8.0%)
50 y/oHK$9,383 (+8.0%)
55 y/oHK$12,004 (+8.0%)
60 y/oHK$15,482 (+8.0%)
65 y/oHK$20,829 (+8.0%)
70 y/oHK$28,090 (+8.0%)
75 y/oHK$29,396 (+8.0%)
80 y/oHK$29,396 (+8.0%)
85 y/oHK$29,396 (+8.0%)
90 y/oHK$29,396 (+8.0%)
95 y/oHK$29,396 (+8.0%)
99 y/oHK$29,396 (+8.0%)
0.0%
All-ages avg
0 y/oHK$5,919
5 y/oHK$3,456
10 y/oHK$3,346
15 y/oHK$3,421
20 y/oHK$3,883
25 y/oHK$4,276
30 y/oHK$4,723
35 y/oHK$5,382
40 y/oHK$6,094
45 y/oHK$7,485
50 y/oHK$9,383
55 y/oHK$12,004
60 y/oHK$15,482
65 y/oHK$20,829
70 y/oHK$28,090
75 y/oHK$29,396
80 y/oHK$29,396
85 y/oHK$29,396
90 y/oHK$29,396
95 y/oHK$29,396
99 y/oHK$29,396
+10.0%
All-ages avg
0 y/oHK$6,511 (+10.0%)
5 y/oHK$3,801 (+10.0%)
10 y/oHK$3,681 (+10.0%)
15 y/oHK$3,763 (+10.0%)
20 y/oHK$4,271 (+10.0%)
25 y/oHK$4,704 (+10.0%)
30 y/oHK$5,195 (+10.0%)
35 y/oHK$5,920 (+10.0%)
40 y/oHK$6,704 (+10.0%)
45 y/oHK$8,233 (+10.0%)
50 y/oHK$10,321 (+10.0%)
55 y/oHK$13,204 (+10.0%)
60 y/oHK$17,031 (+10.0%)
65 y/oHK$22,912 (+10.0%)
70 y/oHK$30,900 (+10.0%)
75 y/oHK$32,336 (+10.0%)
80 y/oHK$32,336 (+10.0%)
85 y/oHK$32,336 (+10.0%)
90 y/oHK$32,336 (+10.0%)
95 y/oHK$32,336 (+10.0%)
99 y/oHK$32,336 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$6,836 (+5.0%)
5 y/oHK$3,992 (+5.0%)
10 y/oHK$3,865 (+5.0%)
15 y/oHK$3,951 (+5.0%)
20 y/oHK$4,485 (+5.0%)
25 y/oHK$4,821 (+2.5%)
30 y/oHK$5,195
35 y/oHK$5,950 (+0.5%)
40 y/oHK$6,770 (+1.0%)
45 y/oHK$8,295 (+0.8%)
50 y/oHK$10,373 (+0.5%)
55 y/oHK$13,302 (+0.7%)
60 y/oHK$17,201 (+1.0%)
65 y/oHK$23,599 (+3.0%)
70 y/oHK$32,445 (+5.0%)
75 y/oHK$33,952 (+5.0%)
80 y/oHK$33,952 (+5.0%)
85 y/oHK$33,952 (+5.0%)
90 y/oHK$33,952 (+5.0%)
95 y/oHK$33,952 (+5.0%)
99 y/oHK$33,952 (+5.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+4.32%
5 y/o+4.32%
10 y/o+4.32%
15 y/o+4.32%
20 y/o+4.32%
25 y/o+3.96%
30 y/o+3.60%
35 y/o+3.68%
40 y/o+3.75%
45 y/o+3.71%
50 y/o+3.68%
55 y/o+3.71%
60 y/o+3.75%
65 y/o+4.04%
70 y/o+4.32%
75 y/o+4.32%
80 y/o+4.32%
85 y/o+4.32%
90 y/o+4.32%
95 y/o+4.32%
99 y/o+4.32%
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.