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Chubb VHIS - Standard Plan
安達自願醫保（標準）計劃
Chubb Life Insurance Hong Kong Limited · S00044-01-000 · 6 versions · Standard plan · Avg. annual increase +4.96%
Gender-axis change · pricing structure shifted
This series' pricing structure shifted from unisex to gendered (affecting 100 age band(s)). The increase percentages reflect the average impact of the structural change; the actual impact for one specific gender can deviate significantly — refer to the source PDF to confirm.
Male
| Age | S00044-01-000-01 2021-03-24 | S00044-01-000-01 2022-04-01 | S00044-01-000-02 2022-11-01 | S00044-01-000-03 2023-07-01 | S00044-01-000-03 2024-04-01 | S00044-01-000-03 2025-04-01 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$2,766 | HK$2,960 (+7.0%) | HK$2,960 | HK$3,132 (+5.8%) | HK$3,382 (+8.0%) | HK$3,787 (+12.0%) | +3.50% |
| 5 | HK$1,844 | HK$1,973 (+7.0%) | HK$1,973 | HK$2,677 (+35.7%) | HK$2,891 (+8.0%) | HK$3,237 (+12.0%) | +9.03% |
| 10 | HK$1,844 | HK$1,973 (+7.0%) | HK$1,973 | HK$2,069 (+4.9%) | HK$2,234 (+8.0%) | HK$2,502 (+12.0%) | +4.61% |
| 15 | HK$1,844 | HK$1,973 (+7.0%) | HK$1,973 | HK$2,069 (+4.9%) | HK$2,234 (+8.0%) | HK$2,502 (+12.0%) | +4.61% |
| 20 | HK$1,989 | HK$2,128 (+7.0%) | HK$2,128 | HK$2,133 (+0.2%) | HK$2,303 (+8.0%) | HK$2,579 (+12.0%) | +5.44% |
| 25 | HK$2,192 | HK$2,345 (+7.0%) | HK$2,345 | HK$2,297 (-2.0%) | HK$2,480 (+8.0%) | HK$2,777 (+12.0%) | +6.14% |
| 30 | HK$2,472 | HK$2,645 (+7.0%) | HK$2,645 | HK$2,534 (-4.2%) | HK$2,736 (+8.0%) | HK$3,064 (+12.0%) | +6.52% |
| 35 | HK$2,755 | HK$2,948 (+7.0%) | HK$2,948 | HK$2,818 (-4.4%) | HK$3,043 (+8.0%) | HK$3,408 (+12.0%) | +6.75% |
| 40 | HK$2,988 | HK$3,197 (+7.0%) | HK$3,197 | HK$3,005 (-6.0%) | HK$3,245 (+8.0%) | HK$3,634 (+12.0%) | +6.70% |
| 45 | HK$3,575 | HK$3,825 (+7.0%) | HK$3,825 | HK$3,771 (-1.4%) | HK$4,072 (+8.0%) | HK$4,560 (+12.0%) | +6.92% |
| 50 | HK$4,279 | HK$4,579 (+7.0%) | HK$4,579 | HK$4,781 (+4.4%) | HK$5,163 (+8.0%) | HK$5,782 (+12.0%) | +7.08% |
| 55 | HK$5,307 | HK$5,678 (+7.0%) | HK$5,678 | HK$6,015 (+5.9%) | HK$6,496 (+8.0%) | HK$7,275 (+12.0%) | +6.48% |
| 60 | HK$6,644 | HK$7,109 (+7.0%) | HK$7,109 | HK$7,285 (+2.5%) | HK$7,867 (+8.0%) | HK$8,811 (+12.0%) | +5.47% |
| 65 | HK$8,399 | HK$8,987 (+7.0%) | HK$8,987 | HK$8,751 (-2.6%) | HK$9,451 (+8.0%) | HK$10,585 (+12.0%) | +3.89% |
| 70 | HK$10,719 | HK$11,469 (+7.0%) | HK$11,469 | HK$10,690 (-6.8%) | HK$11,545 (+8.0%) | HK$12,930 (+12.0%) | +3.00% |
| 75 | HK$13,811 | HK$14,778 (+7.0%) | HK$14,778 | HK$13,141 (-11.1%) | HK$14,192 (+8.0%) | HK$15,895 (+12.0%) | +2.47% |
| 80 | HK$17,965 | HK$19,223 (+7.0%) | HK$19,223 | HK$15,642 (-18.6%) | HK$16,893 (+8.0%) | HK$18,920 (+12.0%) | +1.00% |
| 85 | HK$18,881 | HK$20,203 (+7.0%) | HK$20,203 | HK$18,056 (-10.6%) | HK$19,500 (+8.0%) | HK$21,840 (+12.0%) | +2.98% |
| 90 | HK$19,845 | HK$21,234 (+7.0%) | HK$21,234 | HK$20,514 (-3.4%) | HK$22,155 (+8.0%) | HK$24,813 (+12.0%) | +4.64% |
| 95 | HK$20,855 | HK$22,315 (+7.0%) | HK$22,315 | HK$22,965 (+2.9%) | HK$24,802 (+8.0%) | HK$27,778 (+12.0%) | +6.01% |
| 99 | HK$21,703 | HK$23,222 (+7.0%) | HK$23,222 | HK$24,970 (+7.5%) | HK$26,967 (+8.0%) | HK$30,203 (+12.0%) | +6.97% |
| All ages average | — | +7.0% | 0.0% | +0.2% | +8.0% | +12.0% | — |
0 y/oHK$2,766
5 y/oHK$1,844
10 y/oHK$1,844
15 y/oHK$1,844
20 y/oHK$1,989
25 y/oHK$2,192
30 y/oHK$2,472
35 y/oHK$2,755
40 y/oHK$2,988
45 y/oHK$3,575
50 y/oHK$4,279
55 y/oHK$5,307
60 y/oHK$6,644
65 y/oHK$8,399
70 y/oHK$10,719
75 y/oHK$13,811
80 y/oHK$17,965
85 y/oHK$18,881
90 y/oHK$19,845
95 y/oHK$20,855
99 y/oHK$21,703
+7.0%
All-ages avg
0 y/oHK$2,960 (+7.0%)
5 y/oHK$1,973 (+7.0%)
10 y/oHK$1,973 (+7.0%)
15 y/oHK$1,973 (+7.0%)
20 y/oHK$2,128 (+7.0%)
25 y/oHK$2,345 (+7.0%)
30 y/oHK$2,645 (+7.0%)
35 y/oHK$2,948 (+7.0%)
40 y/oHK$3,197 (+7.0%)
45 y/oHK$3,825 (+7.0%)
50 y/oHK$4,579 (+7.0%)
55 y/oHK$5,678 (+7.0%)
60 y/oHK$7,109 (+7.0%)
65 y/oHK$8,987 (+7.0%)
70 y/oHK$11,469 (+7.0%)
75 y/oHK$14,778 (+7.0%)
80 y/oHK$19,223 (+7.0%)
85 y/oHK$20,203 (+7.0%)
90 y/oHK$21,234 (+7.0%)
95 y/oHK$22,315 (+7.0%)
99 y/oHK$23,222 (+7.0%)
0.0%
All-ages avg
0 y/oHK$2,960
5 y/oHK$1,973
10 y/oHK$1,973
15 y/oHK$1,973
20 y/oHK$2,128
25 y/oHK$2,345
30 y/oHK$2,645
35 y/oHK$2,948
40 y/oHK$3,197
45 y/oHK$3,825
50 y/oHK$4,579
55 y/oHK$5,678
60 y/oHK$7,109
65 y/oHK$8,987
70 y/oHK$11,469
75 y/oHK$14,778
80 y/oHK$19,223
85 y/oHK$20,203
90 y/oHK$21,234
95 y/oHK$22,315
99 y/oHK$23,222
+0.2%
All-ages avg
0 y/oHK$3,132 (+5.8%)
5 y/oHK$2,677 (+35.7%)
10 y/oHK$2,069 (+4.9%)
15 y/oHK$2,069 (+4.9%)
20 y/oHK$2,133 (+0.2%)
25 y/oHK$2,297 (-2.0%)
30 y/oHK$2,534 (-4.2%)
35 y/oHK$2,818 (-4.4%)
40 y/oHK$3,005 (-6.0%)
45 y/oHK$3,771 (-1.4%)
50 y/oHK$4,781 (+4.4%)
55 y/oHK$6,015 (+5.9%)
60 y/oHK$7,285 (+2.5%)
65 y/oHK$8,751 (-2.6%)
70 y/oHK$10,690 (-6.8%)
75 y/oHK$13,141 (-11.1%)
80 y/oHK$15,642 (-18.6%)
85 y/oHK$18,056 (-10.6%)
90 y/oHK$20,514 (-3.4%)
95 y/oHK$22,965 (+2.9%)
99 y/oHK$24,970 (+7.5%)
+8.0%
All-ages avg
0 y/oHK$3,382 (+8.0%)
5 y/oHK$2,891 (+8.0%)
10 y/oHK$2,234 (+8.0%)
15 y/oHK$2,234 (+8.0%)
20 y/oHK$2,303 (+8.0%)
25 y/oHK$2,480 (+8.0%)
30 y/oHK$2,736 (+8.0%)
35 y/oHK$3,043 (+8.0%)
40 y/oHK$3,245 (+8.0%)
45 y/oHK$4,072 (+8.0%)
50 y/oHK$5,163 (+8.0%)
55 y/oHK$6,496 (+8.0%)
60 y/oHK$7,867 (+8.0%)
65 y/oHK$9,451 (+8.0%)
70 y/oHK$11,545 (+8.0%)
75 y/oHK$14,192 (+8.0%)
80 y/oHK$16,893 (+8.0%)
85 y/oHK$19,500 (+8.0%)
90 y/oHK$22,155 (+8.0%)
95 y/oHK$24,802 (+8.0%)
99 y/oHK$26,967 (+8.0%)
+12.0%
All-ages avg
0 y/oHK$3,787 (+12.0%)
5 y/oHK$3,237 (+12.0%)
10 y/oHK$2,502 (+12.0%)
15 y/oHK$2,502 (+12.0%)
20 y/oHK$2,579 (+12.0%)
25 y/oHK$2,777 (+12.0%)
30 y/oHK$3,064 (+12.0%)
35 y/oHK$3,408 (+12.0%)
40 y/oHK$3,634 (+12.0%)
45 y/oHK$4,560 (+12.0%)
50 y/oHK$5,782 (+12.0%)
55 y/oHK$7,275 (+12.0%)
60 y/oHK$8,811 (+12.0%)
65 y/oHK$10,585 (+12.0%)
70 y/oHK$12,930 (+12.0%)
75 y/oHK$15,895 (+12.0%)
80 y/oHK$18,920 (+12.0%)
85 y/oHK$21,840 (+12.0%)
90 y/oHK$24,813 (+12.0%)
95 y/oHK$27,778 (+12.0%)
99 y/oHK$30,203 (+12.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-07-02
0 y/o+3.50%
5 y/o+9.03%
10 y/o+4.61%
15 y/o+4.61%
20 y/o+5.44%
25 y/o+6.14%
30 y/o+6.52%
35 y/o+6.75%
40 y/o+6.70%
45 y/o+6.92%
50 y/o+7.08%
55 y/o+6.48%
60 y/o+5.47%
65 y/o+3.89%
70 y/o+3.00%
75 y/o+2.47%
80 y/o+1.00%
85 y/o+2.98%
90 y/o+4.64%
95 y/o+6.01%
99 y/o+6.97%
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.· as of 2026-07-02
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.
Female
| Age | S00044-01-000-01 2021-03-24 | S00044-01-000-01 2022-04-01 | S00044-01-000-02 2022-11-01 | S00044-01-000-03 2023-07-01 | S00044-01-000-03 2024-04-01 | S00044-01-000-03 2025-04-01 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$2,766 | HK$2,960 (+7.0%) | HK$2,960 | HK$2,394 (-19.1%) | HK$2,585 (+8.0%) | HK$2,895 (+12.0%) | +3.50% |
| 5 | HK$1,844 | HK$1,973 (+7.0%) | HK$1,973 | HK$2,157 (+9.3%) | HK$2,329 (+8.0%) | HK$2,608 (+12.0%) | +9.03% |
| 10 | HK$1,844 | HK$1,973 (+7.0%) | HK$1,973 | HK$1,807 (-8.4%) | HK$1,951 (+8.0%) | HK$2,185 (+12.0%) | +4.61% |
| 15 | HK$1,844 | HK$1,973 (+7.0%) | HK$1,973 | HK$1,807 (-8.4%) | HK$1,951 (+8.0%) | HK$2,185 (+12.0%) | +4.61% |
| 20 | HK$1,989 | HK$2,128 (+7.0%) | HK$2,128 | HK$2,219 (+4.3%) | HK$2,396 (+8.0%) | HK$2,683 (+12.0%) | +5.44% |
| 25 | HK$2,192 | HK$2,345 (+7.0%) | HK$2,345 | HK$2,679 (+14.2%) | HK$2,893 (+8.0%) | HK$3,240 (+12.0%) | +6.14% |
| 30 | HK$2,472 | HK$2,645 (+7.0%) | HK$2,645 | HK$3,201 (+21.0%) | HK$3,457 (+8.0%) | HK$3,871 (+12.0%) | +6.52% |
| 35 | HK$2,755 | HK$2,948 (+7.0%) | HK$2,948 | HK$3,656 (+24.0%) | HK$3,948 (+8.0%) | HK$4,421 (+12.0%) | +6.75% |
| 40 | HK$2,988 | HK$3,197 (+7.0%) | HK$3,197 | HK$4,011 (+25.5%) | HK$4,331 (+8.0%) | HK$4,850 (+12.0%) | +6.70% |
| 45 | HK$3,575 | HK$3,825 (+7.0%) | HK$3,825 | HK$4,682 (+22.4%) | HK$5,056 (+8.0%) | HK$5,662 (+12.0%) | +6.92% |
| 50 | HK$4,279 | HK$4,579 (+7.0%) | HK$4,579 | HK$5,382 (+17.5%) | HK$5,812 (+8.0%) | HK$6,509 (+12.0%) | +7.08% |
| 55 | HK$5,307 | HK$5,678 (+7.0%) | HK$5,678 | HK$6,208 (+9.3%) | HK$6,704 (+8.0%) | HK$7,508 (+12.0%) | +6.48% |
| 60 | HK$6,644 | HK$7,109 (+7.0%) | HK$7,109 | HK$7,261 (+2.1%) | HK$7,841 (+8.0%) | HK$8,781 (+12.0%) | +5.47% |
| 65 | HK$8,399 | HK$8,987 (+7.0%) | HK$8,987 | HK$8,236 (-8.4%) | HK$8,894 (+8.0%) | HK$9,961 (+12.0%) | +3.89% |
| 70 | HK$10,719 | HK$11,469 (+7.0%) | HK$11,469 | HK$10,034 (-12.5%) | HK$10,836 (+8.0%) | HK$12,136 (+12.0%) | +3.00% |
| 75 | HK$13,811 | HK$14,778 (+7.0%) | HK$14,778 | HK$12,829 (-13.2%) | HK$13,855 (+8.0%) | HK$15,517 (+12.0%) | +2.47% |
| 80 | HK$17,965 | HK$19,223 (+7.0%) | HK$19,223 | HK$15,671 (-18.5%) | HK$16,924 (+8.0%) | HK$18,954 (+12.0%) | +1.00% |
| 85 | HK$18,881 | HK$20,203 (+7.0%) | HK$20,203 | HK$18,390 (-9.0%) | HK$19,861 (+8.0%) | HK$22,244 (+12.0%) | +2.98% |
| 90 | HK$19,845 | HK$21,234 (+7.0%) | HK$21,234 | HK$21,163 (-0.3%) | HK$22,856 (+8.0%) | HK$25,598 (+12.0%) | +4.64% |
| 95 | HK$20,855 | HK$22,315 (+7.0%) | HK$22,315 | HK$23,944 (+7.3%) | HK$25,859 (+8.0%) | HK$28,962 (+12.0%) | +6.01% |
| 99 | HK$21,703 | HK$23,222 (+7.0%) | HK$23,222 | HK$26,226 (+12.9%) | HK$28,324 (+8.0%) | HK$31,722 (+12.0%) | +6.97% |
| All ages average | — | +7.0% | 0.0% | +3.4% | +8.0% | +12.0% | — |
0 y/oHK$2,766
5 y/oHK$1,844
10 y/oHK$1,844
15 y/oHK$1,844
20 y/oHK$1,989
25 y/oHK$2,192
30 y/oHK$2,472
35 y/oHK$2,755
40 y/oHK$2,988
45 y/oHK$3,575
50 y/oHK$4,279
55 y/oHK$5,307
60 y/oHK$6,644
65 y/oHK$8,399
70 y/oHK$10,719
75 y/oHK$13,811
80 y/oHK$17,965
85 y/oHK$18,881
90 y/oHK$19,845
95 y/oHK$20,855
99 y/oHK$21,703
+7.0%
All-ages avg
0 y/oHK$2,960 (+7.0%)
5 y/oHK$1,973 (+7.0%)
10 y/oHK$1,973 (+7.0%)
15 y/oHK$1,973 (+7.0%)
20 y/oHK$2,128 (+7.0%)
25 y/oHK$2,345 (+7.0%)
30 y/oHK$2,645 (+7.0%)
35 y/oHK$2,948 (+7.0%)
40 y/oHK$3,197 (+7.0%)
45 y/oHK$3,825 (+7.0%)
50 y/oHK$4,579 (+7.0%)
55 y/oHK$5,678 (+7.0%)
60 y/oHK$7,109 (+7.0%)
65 y/oHK$8,987 (+7.0%)
70 y/oHK$11,469 (+7.0%)
75 y/oHK$14,778 (+7.0%)
80 y/oHK$19,223 (+7.0%)
85 y/oHK$20,203 (+7.0%)
90 y/oHK$21,234 (+7.0%)
95 y/oHK$22,315 (+7.0%)
99 y/oHK$23,222 (+7.0%)
0.0%
All-ages avg
0 y/oHK$2,960
5 y/oHK$1,973
10 y/oHK$1,973
15 y/oHK$1,973
20 y/oHK$2,128
25 y/oHK$2,345
30 y/oHK$2,645
35 y/oHK$2,948
40 y/oHK$3,197
45 y/oHK$3,825
50 y/oHK$4,579
55 y/oHK$5,678
60 y/oHK$7,109
65 y/oHK$8,987
70 y/oHK$11,469
75 y/oHK$14,778
80 y/oHK$19,223
85 y/oHK$20,203
90 y/oHK$21,234
95 y/oHK$22,315
99 y/oHK$23,222
+3.4%
All-ages avg
0 y/oHK$2,394 (-19.1%)
5 y/oHK$2,157 (+9.3%)
10 y/oHK$1,807 (-8.4%)
15 y/oHK$1,807 (-8.4%)
20 y/oHK$2,219 (+4.3%)
25 y/oHK$2,679 (+14.2%)
30 y/oHK$3,201 (+21.0%)
35 y/oHK$3,656 (+24.0%)
40 y/oHK$4,011 (+25.5%)
45 y/oHK$4,682 (+22.4%)
50 y/oHK$5,382 (+17.5%)
55 y/oHK$6,208 (+9.3%)
60 y/oHK$7,261 (+2.1%)
65 y/oHK$8,236 (-8.4%)
70 y/oHK$10,034 (-12.5%)
75 y/oHK$12,829 (-13.2%)
80 y/oHK$15,671 (-18.5%)
85 y/oHK$18,390 (-9.0%)
90 y/oHK$21,163 (-0.3%)
95 y/oHK$23,944 (+7.3%)
99 y/oHK$26,226 (+12.9%)
+8.0%
All-ages avg
0 y/oHK$2,585 (+8.0%)
5 y/oHK$2,329 (+8.0%)
10 y/oHK$1,951 (+8.0%)
15 y/oHK$1,951 (+8.0%)
20 y/oHK$2,396 (+8.0%)
25 y/oHK$2,893 (+8.0%)
30 y/oHK$3,457 (+8.0%)
35 y/oHK$3,948 (+8.0%)
40 y/oHK$4,331 (+8.0%)
45 y/oHK$5,056 (+8.0%)
50 y/oHK$5,812 (+8.0%)
55 y/oHK$6,704 (+8.0%)
60 y/oHK$7,841 (+8.0%)
65 y/oHK$8,894 (+8.0%)
70 y/oHK$10,836 (+8.0%)
75 y/oHK$13,855 (+8.0%)
80 y/oHK$16,924 (+8.0%)
85 y/oHK$19,861 (+8.0%)
90 y/oHK$22,856 (+8.0%)
95 y/oHK$25,859 (+8.0%)
99 y/oHK$28,324 (+8.0%)
+12.0%
All-ages avg
0 y/oHK$2,895 (+12.0%)
5 y/oHK$2,608 (+12.0%)
10 y/oHK$2,185 (+12.0%)
15 y/oHK$2,185 (+12.0%)
20 y/oHK$2,683 (+12.0%)
25 y/oHK$3,240 (+12.0%)
30 y/oHK$3,871 (+12.0%)
35 y/oHK$4,421 (+12.0%)
40 y/oHK$4,850 (+12.0%)
45 y/oHK$5,662 (+12.0%)
50 y/oHK$6,509 (+12.0%)
55 y/oHK$7,508 (+12.0%)
60 y/oHK$8,781 (+12.0%)
65 y/oHK$9,961 (+12.0%)
70 y/oHK$12,136 (+12.0%)
75 y/oHK$15,517 (+12.0%)
80 y/oHK$18,954 (+12.0%)
85 y/oHK$22,244 (+12.0%)
90 y/oHK$25,598 (+12.0%)
95 y/oHK$28,962 (+12.0%)
99 y/oHK$31,722 (+12.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-07-02
0 y/o+3.50%
5 y/o+9.03%
10 y/o+4.61%
15 y/o+4.61%
20 y/o+5.44%
25 y/o+6.14%
30 y/o+6.52%
35 y/o+6.75%
40 y/o+6.70%
45 y/o+6.92%
50 y/o+7.08%
55 y/o+6.48%
60 y/o+5.47%
65 y/o+3.89%
70 y/o+3.00%
75 y/o+2.47%
80 y/o+1.00%
85 y/o+2.98%
90 y/o+4.64%
95 y/o+6.01%
99 y/o+6.97%
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.· as of 2026-07-02
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.