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''TopCare'' Medical Insurance Plan - Benefit Level 2 with SMM (HKD)
「摯康保」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 · F00037-02-000 · 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$6,274 | HK$6,274 | HK$6,776 (+8.0%) | HK$7,318 (+8.0%) | HK$7,318 | HK$8,050 (+10.0%) | HK$8,452 (+5.0%) | +4.32% |
| 5 y/o | HK$3,883 | HK$3,883 | HK$4,194 (+8.0%) | HK$4,530 (+8.0%) | HK$4,530 | HK$4,983 (+10.0%) | HK$5,232 (+5.0%) | +4.33% |
| 10 y/o | HK$3,444 | HK$3,444 | HK$3,719 (+8.0%) | HK$4,017 (+8.0%) | HK$4,017 | HK$4,418 (+10.0%) | HK$4,639 (+5.0%) | +4.32% |
| 15 y/o | HK$3,521 | HK$3,521 | HK$3,804 (+8.0%) | HK$4,108 (+8.0%) | HK$4,108 | HK$4,519 (+10.0%) | HK$4,745 (+5.0%) | +4.33% |
| 20 y/o | HK$3,994 | HK$3,994 | HK$4,313 (+8.0%) | HK$4,658 (+8.0%) | HK$4,658 | HK$5,124 (+10.0%) | HK$5,380 (+5.0%) | +4.32% |
| 25 y/o | HK$4,295 | HK$4,295 | HK$4,639 (+8.0%) | HK$5,011 (+8.0%) | HK$5,011 | HK$5,512 (+10.0%) | HK$5,650 (+2.5%) | +3.97% |
| 30 y/o | HK$4,999 | HK$4,999 | HK$5,399 (+8.0%) | HK$5,831 (+8.0%) | HK$5,831 | HK$6,414 (+10.0%) | HK$6,414 | +3.60% |
| 35 y/o | HK$5,577 | HK$5,577 | HK$6,024 (+8.0%) | HK$6,506 (+8.0%) | HK$6,506 | HK$7,157 (+10.0%) | HK$7,193 (+0.5%) | +3.68% |
| 40 y/o | HK$6,242 | HK$6,242 | HK$6,740 (+8.0%) | HK$7,280 (+8.0%) | HK$7,280 | HK$8,008 (+10.0%) | HK$8,088 (+1.0%) | +3.75% |
| 45 y/o | HK$7,596 | HK$7,596 | HK$8,204 (+8.0%) | HK$8,860 (+8.0%) | HK$8,860 | HK$9,745 (+10.0%) | HK$9,818 (+0.7%) | +3.71% |
| 50 y/o | HK$9,744 | HK$9,744 | HK$10,524 (+8.0%) | HK$11,365 (+8.0%) | HK$11,365 | HK$12,502 (+10.0%) | HK$12,565 (+0.5%) | +3.68% |
| 55 y/o | HK$12,638 | HK$12,638 | HK$13,649 (+8.0%) | HK$14,740 (+8.0%) | HK$14,740 | HK$16,214 (+10.0%) | HK$16,336 (+0.8%) | +3.71% |
| 60 y/o | HK$16,813 | HK$16,813 | HK$18,158 (+8.0%) | HK$19,611 (+8.0%) | HK$19,611 | HK$21,571 (+10.0%) | HK$21,787 (+1.0%) | +3.75% |
| 65 y/o | HK$22,915 | HK$22,915 | HK$24,749 (+8.0%) | HK$26,729 (+8.0%) | HK$26,729 | HK$29,401 (+10.0%) | HK$30,283 (+3.0%) | +4.04% |
| 70 y/o | HK$29,811 | HK$29,811 | HK$32,195 (+8.0%) | HK$34,771 (+8.0%) | HK$34,771 | HK$38,249 (+10.0%) | HK$40,161 (+5.0%) | +4.32% |
| 75 y/o | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.32% |
| 80 y/o | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.32% |
| 85 y/o | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.32% |
| 90 y/o | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.32% |
| 95 y/o | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.32% |
| 99 y/o | HK$31,208 | HK$31,208 | HK$33,705 (+8.0%) | HK$36,401 (+8.0%) | HK$36,401 | HK$40,042 (+10.0%) | HK$42,044 (+5.0%) | +4.32% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$6,274
5 y/oHK$3,883
10 y/oHK$3,444
15 y/oHK$3,521
20 y/oHK$3,994
25 y/oHK$4,295
30 y/oHK$4,999
35 y/oHK$5,577
40 y/oHK$6,242
45 y/oHK$7,596
50 y/oHK$9,744
55 y/oHK$12,638
60 y/oHK$16,813
65 y/oHK$22,915
70 y/oHK$29,811
75 y/oHK$31,208
80 y/oHK$31,208
85 y/oHK$31,208
90 y/oHK$31,208
95 y/oHK$31,208
99 y/oHK$31,208
0.0%
All-ages avg
0 y/oHK$6,274
5 y/oHK$3,883
10 y/oHK$3,444
15 y/oHK$3,521
20 y/oHK$3,994
25 y/oHK$4,295
30 y/oHK$4,999
35 y/oHK$5,577
40 y/oHK$6,242
45 y/oHK$7,596
50 y/oHK$9,744
55 y/oHK$12,638
60 y/oHK$16,813
65 y/oHK$22,915
70 y/oHK$29,811
75 y/oHK$31,208
80 y/oHK$31,208
85 y/oHK$31,208
90 y/oHK$31,208
95 y/oHK$31,208
99 y/oHK$31,208
+8.0%
All-ages avg
0 y/oHK$6,776 (+8.0%)
5 y/oHK$4,194 (+8.0%)
10 y/oHK$3,719 (+8.0%)
15 y/oHK$3,804 (+8.0%)
20 y/oHK$4,313 (+8.0%)
25 y/oHK$4,639 (+8.0%)
30 y/oHK$5,399 (+8.0%)
35 y/oHK$6,024 (+8.0%)
40 y/oHK$6,740 (+8.0%)
45 y/oHK$8,204 (+8.0%)
50 y/oHK$10,524 (+8.0%)
55 y/oHK$13,649 (+8.0%)
60 y/oHK$18,158 (+8.0%)
65 y/oHK$24,749 (+8.0%)
70 y/oHK$32,195 (+8.0%)
75 y/oHK$33,705 (+8.0%)
80 y/oHK$33,705 (+8.0%)
85 y/oHK$33,705 (+8.0%)
90 y/oHK$33,705 (+8.0%)
95 y/oHK$33,705 (+8.0%)
99 y/oHK$33,705 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$7,318 (+8.0%)
5 y/oHK$4,530 (+8.0%)
10 y/oHK$4,017 (+8.0%)
15 y/oHK$4,108 (+8.0%)
20 y/oHK$4,658 (+8.0%)
25 y/oHK$5,011 (+8.0%)
30 y/oHK$5,831 (+8.0%)
35 y/oHK$6,506 (+8.0%)
40 y/oHK$7,280 (+8.0%)
45 y/oHK$8,860 (+8.0%)
50 y/oHK$11,365 (+8.0%)
55 y/oHK$14,740 (+8.0%)
60 y/oHK$19,611 (+8.0%)
65 y/oHK$26,729 (+8.0%)
70 y/oHK$34,771 (+8.0%)
75 y/oHK$36,401 (+8.0%)
80 y/oHK$36,401 (+8.0%)
85 y/oHK$36,401 (+8.0%)
90 y/oHK$36,401 (+8.0%)
95 y/oHK$36,401 (+8.0%)
99 y/oHK$36,401 (+8.0%)
0.0%
All-ages avg
0 y/oHK$7,318
5 y/oHK$4,530
10 y/oHK$4,017
15 y/oHK$4,108
20 y/oHK$4,658
25 y/oHK$5,011
30 y/oHK$5,831
35 y/oHK$6,506
40 y/oHK$7,280
45 y/oHK$8,860
50 y/oHK$11,365
55 y/oHK$14,740
60 y/oHK$19,611
65 y/oHK$26,729
70 y/oHK$34,771
75 y/oHK$36,401
80 y/oHK$36,401
85 y/oHK$36,401
90 y/oHK$36,401
95 y/oHK$36,401
99 y/oHK$36,401
+10.0%
All-ages avg
0 y/oHK$8,050 (+10.0%)
5 y/oHK$4,983 (+10.0%)
10 y/oHK$4,418 (+10.0%)
15 y/oHK$4,519 (+10.0%)
20 y/oHK$5,124 (+10.0%)
25 y/oHK$5,512 (+10.0%)
30 y/oHK$6,414 (+10.0%)
35 y/oHK$7,157 (+10.0%)
40 y/oHK$8,008 (+10.0%)
45 y/oHK$9,745 (+10.0%)
50 y/oHK$12,502 (+10.0%)
55 y/oHK$16,214 (+10.0%)
60 y/oHK$21,571 (+10.0%)
65 y/oHK$29,401 (+10.0%)
70 y/oHK$38,249 (+10.0%)
75 y/oHK$40,042 (+10.0%)
80 y/oHK$40,042 (+10.0%)
85 y/oHK$40,042 (+10.0%)
90 y/oHK$40,042 (+10.0%)
95 y/oHK$40,042 (+10.0%)
99 y/oHK$40,042 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$8,452 (+5.0%)
5 y/oHK$5,232 (+5.0%)
10 y/oHK$4,639 (+5.0%)
15 y/oHK$4,745 (+5.0%)
20 y/oHK$5,380 (+5.0%)
25 y/oHK$5,650 (+2.5%)
30 y/oHK$6,414
35 y/oHK$7,193 (+0.5%)
40 y/oHK$8,088 (+1.0%)
45 y/oHK$9,818 (+0.7%)
50 y/oHK$12,565 (+0.5%)
55 y/oHK$16,336 (+0.8%)
60 y/oHK$21,787 (+1.0%)
65 y/oHK$30,283 (+3.0%)
70 y/oHK$40,161 (+5.0%)
75 y/oHK$42,044 (+5.0%)
80 y/oHK$42,044 (+5.0%)
85 y/oHK$42,044 (+5.0%)
90 y/oHK$42,044 (+5.0%)
95 y/oHK$42,044 (+5.0%)
99 y/oHK$42,044 (+5.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+4.32%
5 y/o+4.33%
10 y/o+4.32%
15 y/o+4.33%
20 y/o+4.32%
25 y/o+3.97%
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.