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''TopCare'' Medical Insurance Plan - Benefit Level 3 with SMM (HKD)
「摯康保」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 · F00037-03-000 · 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$9,019 | HK$9,019 | HK$9,740 (+8.0%) | HK$10,520 (+8.0%) | HK$10,520 | HK$11,573 (+10.0%) | HK$12,151 (+5.0%) | +4.32% |
| 5 y/o | HK$5,299 | HK$5,299 | HK$5,723 (+8.0%) | HK$6,181 (+8.0%) | HK$6,181 | HK$6,799 (+10.0%) | HK$7,139 (+5.0%) | +4.32% |
| 10 y/o | HK$4,764 | HK$4,764 | HK$5,145 (+8.0%) | HK$5,557 (+8.0%) | HK$5,557 | HK$6,113 (+10.0%) | HK$6,419 (+5.0%) | +4.33% |
| 15 y/o | HK$4,873 | HK$4,873 | HK$5,262 (+8.0%) | HK$5,683 (+8.0%) | HK$5,683 | HK$6,251 (+10.0%) | HK$6,564 (+5.0%) | +4.32% |
| 20 y/o | HK$5,576 | HK$5,576 | HK$6,023 (+8.0%) | HK$6,505 (+8.0%) | HK$6,505 | HK$7,155 (+10.0%) | HK$7,513 (+5.0%) | +4.33% |
| 25 y/o | HK$6,225 | HK$6,225 | HK$6,723 (+8.0%) | HK$7,261 (+8.0%) | HK$7,261 | HK$7,987 (+10.0%) | HK$8,187 (+2.5%) | +3.97% |
| 30 y/o | HK$7,136 | HK$7,136 | HK$7,707 (+8.0%) | HK$8,324 (+8.0%) | HK$8,324 | HK$9,156 (+10.0%) | HK$9,156 | +3.60% |
| 35 y/o | HK$7,901 | HK$7,901 | HK$8,533 (+8.0%) | HK$9,215 (+8.0%) | HK$9,215 | HK$10,137 (+10.0%) | HK$10,188 (+0.5%) | +3.68% |
| 40 y/o | HK$8,968 | HK$8,968 | HK$9,686 (+8.0%) | HK$10,461 (+8.0%) | HK$10,461 | HK$11,507 (+10.0%) | HK$11,623 (+1.0%) | +3.75% |
| 45 y/o | HK$10,956 | HK$10,956 | HK$11,832 (+8.0%) | HK$12,779 (+8.0%) | HK$12,779 | HK$14,056 (+10.0%) | HK$14,162 (+0.8%) | +3.71% |
| 50 y/o | HK$14,181 | HK$14,181 | HK$15,315 (+8.0%) | HK$16,540 (+8.0%) | HK$16,540 | HK$18,194 (+10.0%) | HK$18,285 (+0.5%) | +3.68% |
| 55 y/o | HK$17,818 | HK$17,818 | HK$19,243 (+8.0%) | HK$20,782 (+8.0%) | HK$20,782 | HK$22,861 (+10.0%) | HK$23,032 (+0.7%) | +3.71% |
| 60 y/o | HK$23,970 | HK$23,970 | HK$25,888 (+8.0%) | HK$27,960 (+8.0%) | HK$27,960 | HK$30,756 (+10.0%) | HK$31,063 (+1.0%) | +3.75% |
| 65 y/o | HK$31,551 | HK$31,551 | HK$34,075 (+8.0%) | HK$36,801 (+8.0%) | HK$36,801 | HK$40,481 (+10.0%) | HK$41,695 (+3.0%) | +4.04% |
| 70 y/o | HK$39,380 | HK$39,380 | HK$42,530 (+8.0%) | HK$45,932 (+8.0%) | HK$45,932 | HK$50,525 (+10.0%) | HK$53,051 (+5.0%) | +4.32% |
| 75 y/o | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.32% |
| 80 y/o | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.32% |
| 85 y/o | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.32% |
| 90 y/o | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.32% |
| 95 y/o | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.32% |
| 99 y/o | HK$41,511 | HK$41,511 | HK$44,832 (+8.0%) | HK$48,419 (+8.0%) | HK$48,419 | HK$53,261 (+10.0%) | HK$55,924 (+5.0%) | +4.32% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$9,019
5 y/oHK$5,299
10 y/oHK$4,764
15 y/oHK$4,873
20 y/oHK$5,576
25 y/oHK$6,225
30 y/oHK$7,136
35 y/oHK$7,901
40 y/oHK$8,968
45 y/oHK$10,956
50 y/oHK$14,181
55 y/oHK$17,818
60 y/oHK$23,970
65 y/oHK$31,551
70 y/oHK$39,380
75 y/oHK$41,511
80 y/oHK$41,511
85 y/oHK$41,511
90 y/oHK$41,511
95 y/oHK$41,511
99 y/oHK$41,511
0.0%
All-ages avg
0 y/oHK$9,019
5 y/oHK$5,299
10 y/oHK$4,764
15 y/oHK$4,873
20 y/oHK$5,576
25 y/oHK$6,225
30 y/oHK$7,136
35 y/oHK$7,901
40 y/oHK$8,968
45 y/oHK$10,956
50 y/oHK$14,181
55 y/oHK$17,818
60 y/oHK$23,970
65 y/oHK$31,551
70 y/oHK$39,380
75 y/oHK$41,511
80 y/oHK$41,511
85 y/oHK$41,511
90 y/oHK$41,511
95 y/oHK$41,511
99 y/oHK$41,511
+8.0%
All-ages avg
0 y/oHK$9,740 (+8.0%)
5 y/oHK$5,723 (+8.0%)
10 y/oHK$5,145 (+8.0%)
15 y/oHK$5,262 (+8.0%)
20 y/oHK$6,023 (+8.0%)
25 y/oHK$6,723 (+8.0%)
30 y/oHK$7,707 (+8.0%)
35 y/oHK$8,533 (+8.0%)
40 y/oHK$9,686 (+8.0%)
45 y/oHK$11,832 (+8.0%)
50 y/oHK$15,315 (+8.0%)
55 y/oHK$19,243 (+8.0%)
60 y/oHK$25,888 (+8.0%)
65 y/oHK$34,075 (+8.0%)
70 y/oHK$42,530 (+8.0%)
75 y/oHK$44,832 (+8.0%)
80 y/oHK$44,832 (+8.0%)
85 y/oHK$44,832 (+8.0%)
90 y/oHK$44,832 (+8.0%)
95 y/oHK$44,832 (+8.0%)
99 y/oHK$44,832 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$10,520 (+8.0%)
5 y/oHK$6,181 (+8.0%)
10 y/oHK$5,557 (+8.0%)
15 y/oHK$5,683 (+8.0%)
20 y/oHK$6,505 (+8.0%)
25 y/oHK$7,261 (+8.0%)
30 y/oHK$8,324 (+8.0%)
35 y/oHK$9,215 (+8.0%)
40 y/oHK$10,461 (+8.0%)
45 y/oHK$12,779 (+8.0%)
50 y/oHK$16,540 (+8.0%)
55 y/oHK$20,782 (+8.0%)
60 y/oHK$27,960 (+8.0%)
65 y/oHK$36,801 (+8.0%)
70 y/oHK$45,932 (+8.0%)
75 y/oHK$48,419 (+8.0%)
80 y/oHK$48,419 (+8.0%)
85 y/oHK$48,419 (+8.0%)
90 y/oHK$48,419 (+8.0%)
95 y/oHK$48,419 (+8.0%)
99 y/oHK$48,419 (+8.0%)
0.0%
All-ages avg
0 y/oHK$10,520
5 y/oHK$6,181
10 y/oHK$5,557
15 y/oHK$5,683
20 y/oHK$6,505
25 y/oHK$7,261
30 y/oHK$8,324
35 y/oHK$9,215
40 y/oHK$10,461
45 y/oHK$12,779
50 y/oHK$16,540
55 y/oHK$20,782
60 y/oHK$27,960
65 y/oHK$36,801
70 y/oHK$45,932
75 y/oHK$48,419
80 y/oHK$48,419
85 y/oHK$48,419
90 y/oHK$48,419
95 y/oHK$48,419
99 y/oHK$48,419
+10.0%
All-ages avg
0 y/oHK$11,573 (+10.0%)
5 y/oHK$6,799 (+10.0%)
10 y/oHK$6,113 (+10.0%)
15 y/oHK$6,251 (+10.0%)
20 y/oHK$7,155 (+10.0%)
25 y/oHK$7,987 (+10.0%)
30 y/oHK$9,156 (+10.0%)
35 y/oHK$10,137 (+10.0%)
40 y/oHK$11,507 (+10.0%)
45 y/oHK$14,056 (+10.0%)
50 y/oHK$18,194 (+10.0%)
55 y/oHK$22,861 (+10.0%)
60 y/oHK$30,756 (+10.0%)
65 y/oHK$40,481 (+10.0%)
70 y/oHK$50,525 (+10.0%)
75 y/oHK$53,261 (+10.0%)
80 y/oHK$53,261 (+10.0%)
85 y/oHK$53,261 (+10.0%)
90 y/oHK$53,261 (+10.0%)
95 y/oHK$53,261 (+10.0%)
99 y/oHK$53,261 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$12,151 (+5.0%)
5 y/oHK$7,139 (+5.0%)
10 y/oHK$6,419 (+5.0%)
15 y/oHK$6,564 (+5.0%)
20 y/oHK$7,513 (+5.0%)
25 y/oHK$8,187 (+2.5%)
30 y/oHK$9,156
35 y/oHK$10,188 (+0.5%)
40 y/oHK$11,623 (+1.0%)
45 y/oHK$14,162 (+0.8%)
50 y/oHK$18,285 (+0.5%)
55 y/oHK$23,032 (+0.7%)
60 y/oHK$31,063 (+1.0%)
65 y/oHK$41,695 (+3.0%)
70 y/oHK$53,051 (+5.0%)
75 y/oHK$55,924 (+5.0%)
80 y/oHK$55,924 (+5.0%)
85 y/oHK$55,924 (+5.0%)
90 y/oHK$55,924 (+5.0%)
95 y/oHK$55,924 (+5.0%)
99 y/oHK$55,924 (+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+4.33%
15 y/o+4.32%
20 y/o+4.33%
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.