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vCare Supreme Medical Plan
更衛您（優越版）醫療計劃
FWD Life Insurance Company (Bermuda) Limited · F00032-01-000 · 5 versions · Flexi plan · Avg. annual increase +2.88%
HKD
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| Age | 2019-07-22 | 2020-06-08 | 2021-03-22 | 2024-04-15 | Latest 2025-06-02 | Avg. annual increase |
|---|---|---|---|---|---|---|
| 0 y/o | HK$5,544 | HK$5,544 | HK$5,544 | HK$6,043 (+9.0%) | HK$6,587 (+9.0%) | +2.44% |
| 5 y/o | HK$2,485 | HK$2,485 | HK$2,485 | HK$2,709 (+9.0%) | HK$2,953 (+9.0%) | +2.44% |
| 10 y/o | HK$2,485 | HK$2,485 | HK$2,485 | HK$2,709 (+9.0%) | HK$2,953 (+9.0%) | +2.44% |
| 15 y/o | HK$2,555 | HK$2,555 | HK$2,555 | HK$2,785 (+9.0%) | HK$3,036 (+9.0%) | +2.44% |
| 20 y/o | HK$2,786 | HK$2,786 | HK$2,786 | HK$3,037 (+9.0%) | HK$3,310 (+9.0%) | +2.44% |
| 25 y/o | HK$3,101 | HK$3,101 | HK$3,101 | HK$3,380 (+9.0%) | HK$3,684 (+9.0%) | +2.44% |
| 30 y/o | HK$3,566 | HK$3,566 | HK$3,566 | HK$3,887 (+9.0%) | HK$4,276 (+10.0%) | +2.57% |
| 35 y/o | HK$4,104 | HK$4,104 | HK$4,104 | HK$4,473 (+9.0%) | HK$5,023 (+12.3%) | +2.87% |
| 40 y/o | HK$4,685 | HK$4,685 | HK$4,685 | HK$5,107 (+9.0%) | HK$5,817 (+13.9%) | +3.07% |
| 45 y/o | HK$5,796 | HK$5,796 | HK$5,796 | HK$6,318 (+9.0%) | HK$7,304 (+15.6%) | +3.29% |
| 50 y/o | HK$7,220 | HK$7,220 | HK$7,220 | HK$7,870 (+9.0%) | HK$9,129 (+16.0%) | +3.34% |
| 55 y/o | HK$9,462 | HK$9,462 | HK$9,462 | HK$10,314 (+9.0%) | HK$11,964 (+16.0%) | +3.34% |
| 60 y/o | HK$12,045 | HK$12,045 | HK$12,045 | HK$13,129 (+9.0%) | HK$15,230 (+16.0%) | +3.34% |
| 65 y/o | HK$15,820 | HK$15,820 | HK$15,820 | HK$17,244 (+9.0%) | HK$20,003 (+16.0%) | +3.34% |
| 70 y/o | HK$20,674 | HK$20,674 | HK$20,674 | HK$22,535 (+9.0%) | HK$26,073 (+15.7%) | +3.30% |
| 75 y/o | HK$25,402 | HK$25,402 | HK$25,402 | HK$27,688 (+9.0%) | HK$31,564 (+14.0%) | +3.08% |
| 80 y/o | HK$30,143 | HK$30,143 | HK$30,143 | HK$32,856 (+9.0%) | HK$36,799 (+12.0%) | +2.83% |
| 85 y/o | HK$35,581 | HK$35,581 | HK$35,581 | HK$38,783 (+9.0%) | HK$43,437 (+12.0%) | +2.83% |
| 90 y/o | HK$40,621 | HK$40,621 | HK$40,621 | HK$44,277 (+9.0%) | HK$49,590 (+12.0%) | +2.83% |
| 95 y/o | HK$43,536 | HK$43,536 | HK$43,536 | HK$47,454 (+9.0%) | HK$53,148 (+12.0%) | +2.83% |
| 99 y/o | HK$45,448 | HK$45,448 | HK$45,448 | HK$49,538 (+9.0%) | HK$55,483 (+12.0%) | +2.83% |
| All ages average | — | 0.0% | 0.0% | +9.0% | +12.4% | — |
0 y/oHK$5,544
5 y/oHK$2,485
10 y/oHK$2,485
15 y/oHK$2,555
20 y/oHK$2,786
25 y/oHK$3,101
30 y/oHK$3,566
35 y/oHK$4,104
40 y/oHK$4,685
45 y/oHK$5,796
50 y/oHK$7,220
55 y/oHK$9,462
60 y/oHK$12,045
65 y/oHK$15,820
70 y/oHK$20,674
75 y/oHK$25,402
80 y/oHK$30,143
85 y/oHK$35,581
90 y/oHK$40,621
95 y/oHK$43,536
99 y/oHK$45,448
0.0%
All-ages avg
0 y/oHK$5,544
5 y/oHK$2,485
10 y/oHK$2,485
15 y/oHK$2,555
20 y/oHK$2,786
25 y/oHK$3,101
30 y/oHK$3,566
35 y/oHK$4,104
40 y/oHK$4,685
45 y/oHK$5,796
50 y/oHK$7,220
55 y/oHK$9,462
60 y/oHK$12,045
65 y/oHK$15,820
70 y/oHK$20,674
75 y/oHK$25,402
80 y/oHK$30,143
85 y/oHK$35,581
90 y/oHK$40,621
95 y/oHK$43,536
99 y/oHK$45,448
0.0%
All-ages avg
0 y/oHK$5,544
5 y/oHK$2,485
10 y/oHK$2,485
15 y/oHK$2,555
20 y/oHK$2,786
25 y/oHK$3,101
30 y/oHK$3,566
35 y/oHK$4,104
40 y/oHK$4,685
45 y/oHK$5,796
50 y/oHK$7,220
55 y/oHK$9,462
60 y/oHK$12,045
65 y/oHK$15,820
70 y/oHK$20,674
75 y/oHK$25,402
80 y/oHK$30,143
85 y/oHK$35,581
90 y/oHK$40,621
95 y/oHK$43,536
99 y/oHK$45,448
+9.0%
All-ages avg
0 y/oHK$6,043 (+9.0%)
5 y/oHK$2,709 (+9.0%)
10 y/oHK$2,709 (+9.0%)
15 y/oHK$2,785 (+9.0%)
20 y/oHK$3,037 (+9.0%)
25 y/oHK$3,380 (+9.0%)
30 y/oHK$3,887 (+9.0%)
35 y/oHK$4,473 (+9.0%)
40 y/oHK$5,107 (+9.0%)
45 y/oHK$6,318 (+9.0%)
50 y/oHK$7,870 (+9.0%)
55 y/oHK$10,314 (+9.0%)
60 y/oHK$13,129 (+9.0%)
65 y/oHK$17,244 (+9.0%)
70 y/oHK$22,535 (+9.0%)
75 y/oHK$27,688 (+9.0%)
80 y/oHK$32,856 (+9.0%)
85 y/oHK$38,783 (+9.0%)
90 y/oHK$44,277 (+9.0%)
95 y/oHK$47,454 (+9.0%)
99 y/oHK$49,538 (+9.0%)
+12.4%
All-ages avg
0 y/oHK$6,587 (+9.0%)
5 y/oHK$2,953 (+9.0%)
10 y/oHK$2,953 (+9.0%)
15 y/oHK$3,036 (+9.0%)
20 y/oHK$3,310 (+9.0%)
25 y/oHK$3,684 (+9.0%)
30 y/oHK$4,276 (+10.0%)
35 y/oHK$5,023 (+12.3%)
40 y/oHK$5,817 (+13.9%)
45 y/oHK$7,304 (+15.6%)
50 y/oHK$9,129 (+16.0%)
55 y/oHK$11,964 (+16.0%)
60 y/oHK$15,230 (+16.0%)
65 y/oHK$20,003 (+16.0%)
70 y/oHK$26,073 (+15.7%)
75 y/oHK$31,564 (+14.0%)
80 y/oHK$36,799 (+12.0%)
85 y/oHK$43,437 (+12.0%)
90 y/oHK$49,590 (+12.0%)
95 y/oHK$53,148 (+12.0%)
99 y/oHK$55,483 (+12.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+2.44%
5 y/o+2.44%
10 y/o+2.44%
15 y/o+2.44%
20 y/o+2.44%
25 y/o+2.44%
30 y/o+2.57%
35 y/o+2.87%
40 y/o+3.07%
45 y/o+3.29%
50 y/o+3.34%
55 y/o+3.34%
60 y/o+3.34%
65 y/o+3.34%
70 y/o+3.30%
75 y/o+3.08%
80 y/o+2.83%
85 y/o+2.83%
90 y/o+2.83%
95 y/o+2.83%
99 y/o+2.83%
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.