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''TopCare'' Medical Insurance Plan - Benefit Level 4 with SMM (HKD)
「摯康保」醫療保障計劃 - 保障級別 4+超額醫療保障 (港元)
Chow Tai Fook Life Insurance Co Ltd · F00037-04-000 · 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$15,200 | HK$15,200 | HK$16,415 (+8.0%) | HK$17,729 (+8.0%) | HK$17,729 | HK$19,501 (+10.0%) | HK$20,476 (+5.0%) | +4.32% |
| 5 y/o | HK$9,467 | HK$9,467 | HK$10,224 (+8.0%) | HK$11,042 (+8.0%) | HK$11,042 | HK$12,146 (+10.0%) | HK$12,754 (+5.0%) | +4.32% |
| 10 y/o | HK$8,510 | HK$8,510 | HK$9,190 (+8.0%) | HK$9,926 (+8.0%) | HK$9,926 | HK$10,919 (+10.0%) | HK$11,465 (+5.0%) | +4.32% |
| 15 y/o | HK$8,704 | HK$8,704 | HK$9,400 (+8.0%) | HK$10,152 (+8.0%) | HK$10,152 | HK$11,168 (+10.0%) | HK$11,726 (+5.0%) | +4.32% |
| 20 y/o | HK$10,401 | HK$10,401 | HK$11,233 (+8.0%) | HK$12,132 (+8.0%) | HK$12,132 | HK$13,345 (+10.0%) | HK$14,013 (+5.0%) | +4.32% |
| 25 y/o | HK$11,352 | HK$11,352 | HK$12,261 (+8.0%) | HK$13,242 (+8.0%) | HK$13,242 | HK$14,565 (+10.0%) | HK$14,930 (+2.5%) | +3.97% |
| 30 y/o | HK$13,026 | HK$13,026 | HK$14,068 (+8.0%) | HK$15,193 (+8.0%) | HK$15,193 | HK$16,712 (+10.0%) | HK$16,712 | +3.60% |
| 35 y/o | HK$14,287 | HK$14,287 | HK$15,430 (+8.0%) | HK$16,664 (+8.0%) | HK$16,664 | HK$18,331 (+10.0%) | HK$18,423 (+0.5%) | +3.68% |
| 40 y/o | HK$16,593 | HK$16,593 | HK$17,920 (+8.0%) | HK$19,354 (+8.0%) | HK$19,354 | HK$21,289 (+10.0%) | HK$21,502 (+1.0%) | +3.75% |
| 45 y/o | HK$20,688 | HK$20,688 | HK$22,343 (+8.0%) | HK$24,130 (+8.0%) | HK$24,130 | HK$26,543 (+10.0%) | HK$26,742 (+0.7%) | +3.71% |
| 50 y/o | HK$26,889 | HK$26,889 | HK$29,040 (+8.0%) | HK$31,364 (+8.0%) | HK$31,364 | HK$34,501 (+10.0%) | HK$34,674 (+0.5%) | +3.68% |
| 55 y/o | HK$33,289 | HK$33,289 | HK$35,952 (+8.0%) | HK$38,829 (+8.0%) | HK$38,829 | HK$42,712 (+10.0%) | HK$43,032 (+0.7%) | +3.71% |
| 60 y/o | HK$44,707 | HK$44,707 | HK$48,283 (+8.0%) | HK$52,146 (+8.0%) | HK$52,146 | HK$57,361 (+10.0%) | HK$57,935 (+1.0%) | +3.75% |
| 65 y/o | HK$61,825 | HK$61,825 | HK$66,771 (+8.0%) | HK$72,113 (+8.0%) | HK$72,113 | HK$79,325 (+10.0%) | HK$81,705 (+3.0%) | +4.04% |
| 70 y/o | HK$80,512 | HK$80,512 | HK$86,952 (+8.0%) | HK$93,908 (+8.0%) | HK$93,908 | HK$103,299 (+10.0%) | HK$108,464 (+5.0%) | +4.32% |
| 75 y/o | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.32% |
| 80 y/o | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.32% |
| 85 y/o | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.32% |
| 90 y/o | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.32% |
| 95 y/o | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.32% |
| 99 y/o | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.32% |
| All ages average | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0 y/oHK$15,200
5 y/oHK$9,467
10 y/oHK$8,510
15 y/oHK$8,704
20 y/oHK$10,401
25 y/oHK$11,352
30 y/oHK$13,026
35 y/oHK$14,287
40 y/oHK$16,593
45 y/oHK$20,688
50 y/oHK$26,889
55 y/oHK$33,289
60 y/oHK$44,707
65 y/oHK$61,825
70 y/oHK$80,512
75 y/oHK$85,045
80 y/oHK$85,045
85 y/oHK$85,045
90 y/oHK$85,045
95 y/oHK$85,045
99 y/oHK$85,045
0.0%
All-ages avg
0 y/oHK$15,200
5 y/oHK$9,467
10 y/oHK$8,510
15 y/oHK$8,704
20 y/oHK$10,401
25 y/oHK$11,352
30 y/oHK$13,026
35 y/oHK$14,287
40 y/oHK$16,593
45 y/oHK$20,688
50 y/oHK$26,889
55 y/oHK$33,289
60 y/oHK$44,707
65 y/oHK$61,825
70 y/oHK$80,512
75 y/oHK$85,045
80 y/oHK$85,045
85 y/oHK$85,045
90 y/oHK$85,045
95 y/oHK$85,045
99 y/oHK$85,045
+8.0%
All-ages avg
0 y/oHK$16,415 (+8.0%)
5 y/oHK$10,224 (+8.0%)
10 y/oHK$9,190 (+8.0%)
15 y/oHK$9,400 (+8.0%)
20 y/oHK$11,233 (+8.0%)
25 y/oHK$12,261 (+8.0%)
30 y/oHK$14,068 (+8.0%)
35 y/oHK$15,430 (+8.0%)
40 y/oHK$17,920 (+8.0%)
45 y/oHK$22,343 (+8.0%)
50 y/oHK$29,040 (+8.0%)
55 y/oHK$35,952 (+8.0%)
60 y/oHK$48,283 (+8.0%)
65 y/oHK$66,771 (+8.0%)
70 y/oHK$86,952 (+8.0%)
75 y/oHK$91,849 (+8.0%)
80 y/oHK$91,849 (+8.0%)
85 y/oHK$91,849 (+8.0%)
90 y/oHK$91,849 (+8.0%)
95 y/oHK$91,849 (+8.0%)
99 y/oHK$91,849 (+8.0%)
+8.0%
All-ages avg
0 y/oHK$17,729 (+8.0%)
5 y/oHK$11,042 (+8.0%)
10 y/oHK$9,926 (+8.0%)
15 y/oHK$10,152 (+8.0%)
20 y/oHK$12,132 (+8.0%)
25 y/oHK$13,242 (+8.0%)
30 y/oHK$15,193 (+8.0%)
35 y/oHK$16,664 (+8.0%)
40 y/oHK$19,354 (+8.0%)
45 y/oHK$24,130 (+8.0%)
50 y/oHK$31,364 (+8.0%)
55 y/oHK$38,829 (+8.0%)
60 y/oHK$52,146 (+8.0%)
65 y/oHK$72,113 (+8.0%)
70 y/oHK$93,908 (+8.0%)
75 y/oHK$99,196 (+8.0%)
80 y/oHK$99,196 (+8.0%)
85 y/oHK$99,196 (+8.0%)
90 y/oHK$99,196 (+8.0%)
95 y/oHK$99,196 (+8.0%)
99 y/oHK$99,196 (+8.0%)
0.0%
All-ages avg
0 y/oHK$17,729
5 y/oHK$11,042
10 y/oHK$9,926
15 y/oHK$10,152
20 y/oHK$12,132
25 y/oHK$13,242
30 y/oHK$15,193
35 y/oHK$16,664
40 y/oHK$19,354
45 y/oHK$24,130
50 y/oHK$31,364
55 y/oHK$38,829
60 y/oHK$52,146
65 y/oHK$72,113
70 y/oHK$93,908
75 y/oHK$99,196
80 y/oHK$99,196
85 y/oHK$99,196
90 y/oHK$99,196
95 y/oHK$99,196
99 y/oHK$99,196
+10.0%
All-ages avg
0 y/oHK$19,501 (+10.0%)
5 y/oHK$12,146 (+10.0%)
10 y/oHK$10,919 (+10.0%)
15 y/oHK$11,168 (+10.0%)
20 y/oHK$13,345 (+10.0%)
25 y/oHK$14,565 (+10.0%)
30 y/oHK$16,712 (+10.0%)
35 y/oHK$18,331 (+10.0%)
40 y/oHK$21,289 (+10.0%)
45 y/oHK$26,543 (+10.0%)
50 y/oHK$34,501 (+10.0%)
55 y/oHK$42,712 (+10.0%)
60 y/oHK$57,361 (+10.0%)
65 y/oHK$79,325 (+10.0%)
70 y/oHK$103,299 (+10.0%)
75 y/oHK$109,117 (+10.0%)
80 y/oHK$109,117 (+10.0%)
85 y/oHK$109,117 (+10.0%)
90 y/oHK$109,117 (+10.0%)
95 y/oHK$109,117 (+10.0%)
99 y/oHK$109,117 (+10.0%)
+3.3%
All-ages avg
0 y/oHK$20,476 (+5.0%)
5 y/oHK$12,754 (+5.0%)
10 y/oHK$11,465 (+5.0%)
15 y/oHK$11,726 (+5.0%)
20 y/oHK$14,013 (+5.0%)
25 y/oHK$14,930 (+2.5%)
30 y/oHK$16,712
35 y/oHK$18,423 (+0.5%)
40 y/oHK$21,502 (+1.0%)
45 y/oHK$26,742 (+0.7%)
50 y/oHK$34,674 (+0.5%)
55 y/oHK$43,032 (+0.7%)
60 y/oHK$57,935 (+1.0%)
65 y/oHK$81,705 (+3.0%)
70 y/oHK$108,464 (+5.0%)
75 y/oHK$114,573 (+5.0%)
80 y/oHK$114,573 (+5.0%)
85 y/oHK$114,573 (+5.0%)
90 y/oHK$114,573 (+5.0%)
95 y/oHK$114,573 (+5.0%)
99 y/oHK$114,573 (+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+3.97%
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.