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Manulife First VHIS Flexi Plan - Ward
宏利全護航自願醫保靈活計劃 - 普通房
Manulife (International) Limited · F00019-01-000 · 6 versions · Flexi plan · Avg. annual increase +4.09%
HKD
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| Age | 2019-04-01 | 2021-01-01 | 2022-10-01 | 2024-06-29 | 2025-06-29 | Latest 2026-06-29 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 y/o | HK$2,566 | HK$2,720 (+6.0%) | HK$2,883 (+6.0%) | HK$2,998 (+4.0%) | HK$3,268 (+9.0%) | HK$3,497 (+7.0%) | +4.24% |
| 5 y/o | HK$1,870 | HK$1,982 (+6.0%) | HK$2,101 (+6.0%) | HK$2,185 (+4.0%) | HK$2,382 (+9.0%) | HK$2,549 (+7.0%) | +4.24% |
| 10 y/o | HK$1,409 | HK$1,493 (+6.0%) | HK$1,583 (+6.0%) | HK$1,646 (+4.0%) | HK$1,745 (+6.0%) | HK$1,867 (+7.0%) | +3.85% |
| 15 y/o | HK$1,326 | HK$1,405 (+6.0%) | HK$1,489 (+6.0%) | HK$1,549 (+4.0%) | HK$1,642 (+6.0%) | HK$1,757 (+7.0%) | +3.85% |
| 20 y/o | HK$1,745 | HK$1,850 (+6.0%) | HK$1,961 (+6.0%) | HK$2,039 (+4.0%) | HK$2,161 (+6.0%) | HK$2,312 (+7.0%) | +3.85% |
| 25 y/o | HK$2,102 | HK$2,228 (+6.0%) | HK$2,362 (+6.0%) | HK$2,456 (+4.0%) | HK$2,603 (+6.0%) | HK$2,785 (+7.0%) | +3.85% |
| 30 y/o | HK$2,268 | HK$2,403 (+6.0%) | HK$2,547 (+6.0%) | HK$2,649 (+4.0%) | HK$2,808 (+6.0%) | HK$3,005 (+7.0%) | +3.85% |
| 35 y/o | HK$2,571 | HK$2,725 (+6.0%) | HK$2,889 (+6.0%) | HK$3,005 (+4.0%) | HK$3,185 (+6.0%) | HK$3,408 (+7.0%) | +3.85% |
| 40 y/o | HK$2,982 | HK$3,160 (+6.0%) | HK$3,350 (+6.0%) | HK$3,484 (+4.0%) | HK$3,693 (+6.0%) | HK$3,952 (+7.0%) | +3.85% |
| 45 y/o | HK$3,590 | HK$3,805 (+6.0%) | HK$4,033 (+6.0%) | HK$4,194 (+4.0%) | HK$4,446 (+6.0%) | HK$4,757 (+7.0%) | +3.85% |
| 50 y/o | HK$4,576 | HK$4,850 (+6.0%) | HK$5,141 (+6.0%) | HK$5,347 (+4.0%) | HK$5,695 (+6.5%) | HK$6,094 (+7.0%) | +3.92% |
| 55 y/o | HK$5,915 | HK$6,299 (+6.5%) | HK$6,677 (+6.0%) | HK$6,944 (+4.0%) | HK$7,569 (+9.0%) | HK$8,099 (+7.0%) | +4.31% |
| 60 y/o | HK$7,398 | HK$7,842 (+6.0%) | HK$8,313 (+6.0%) | HK$8,646 (+4.0%) | HK$9,424 (+9.0%) | HK$10,084 (+7.0%) | +4.24% |
| 65 y/o | HK$10,117 | HK$10,724 (+6.0%) | HK$11,367 (+6.0%) | HK$11,822 (+4.0%) | HK$12,886 (+9.0%) | HK$13,788 (+7.0%) | +4.24% |
| 70 y/o | HK$12,526 | HK$13,278 (+6.0%) | HK$14,075 (+6.0%) | HK$14,638 (+4.0%) | HK$15,955 (+9.0%) | HK$17,072 (+7.0%) | +4.24% |
| 75 y/o | HK$15,174 | HK$16,148 (+6.4%) | HK$17,117 (+6.0%) | HK$17,802 (+4.0%) | HK$19,404 (+9.0%) | HK$20,762 (+7.0%) | +4.30% |
| 80 y/o | HK$18,498 | HK$19,700 (+6.5%) | HK$20,882 (+6.0%) | HK$21,717 (+4.0%) | HK$23,672 (+9.0%) | HK$25,329 (+7.0%) | +4.31% |
| 85 y/o | HK$20,662 | HK$22,004 (+6.5%) | HK$23,324 (+6.0%) | HK$24,257 (+4.0%) | HK$26,440 (+9.0%) | HK$28,291 (+7.0%) | +4.31% |
| 90 y/o | HK$22,042 | HK$23,474 (+6.5%) | HK$24,882 (+6.0%) | HK$25,877 (+4.0%) | HK$28,206 (+9.0%) | HK$30,180 (+7.0%) | +4.31% |
| 95 y/o | HK$23,499 | HK$25,026 (+6.5%) | HK$26,528 (+6.0%) | HK$27,589 (+4.0%) | HK$30,072 (+9.0%) | HK$32,177 (+7.0%) | +4.31% |
| 99 y/o | HK$24,726 | HK$26,333 (+6.5%) | HK$27,913 (+6.0%) | HK$29,030 (+4.0%) | HK$31,643 (+9.0%) | HK$33,858 (+7.0%) | +4.31% |
| All ages average | — | +6.2% | +6.0% | +4.0% | +7.7% | +7.0% | — |
0 y/oHK$2,566
5 y/oHK$1,870
10 y/oHK$1,409
15 y/oHK$1,326
20 y/oHK$1,745
25 y/oHK$2,102
30 y/oHK$2,268
35 y/oHK$2,571
40 y/oHK$2,982
45 y/oHK$3,590
50 y/oHK$4,576
55 y/oHK$5,915
60 y/oHK$7,398
65 y/oHK$10,117
70 y/oHK$12,526
75 y/oHK$15,174
80 y/oHK$18,498
85 y/oHK$20,662
90 y/oHK$22,042
95 y/oHK$23,499
99 y/oHK$24,726
+6.2%
All-ages avg
0 y/oHK$2,720 (+6.0%)
5 y/oHK$1,982 (+6.0%)
10 y/oHK$1,493 (+6.0%)
15 y/oHK$1,405 (+6.0%)
20 y/oHK$1,850 (+6.0%)
25 y/oHK$2,228 (+6.0%)
30 y/oHK$2,403 (+6.0%)
35 y/oHK$2,725 (+6.0%)
40 y/oHK$3,160 (+6.0%)
45 y/oHK$3,805 (+6.0%)
50 y/oHK$4,850 (+6.0%)
55 y/oHK$6,299 (+6.5%)
60 y/oHK$7,842 (+6.0%)
65 y/oHK$10,724 (+6.0%)
70 y/oHK$13,278 (+6.0%)
75 y/oHK$16,148 (+6.4%)
80 y/oHK$19,700 (+6.5%)
85 y/oHK$22,004 (+6.5%)
90 y/oHK$23,474 (+6.5%)
95 y/oHK$25,026 (+6.5%)
99 y/oHK$26,333 (+6.5%)
+6.0%
All-ages avg
0 y/oHK$2,883 (+6.0%)
5 y/oHK$2,101 (+6.0%)
10 y/oHK$1,583 (+6.0%)
15 y/oHK$1,489 (+6.0%)
20 y/oHK$1,961 (+6.0%)
25 y/oHK$2,362 (+6.0%)
30 y/oHK$2,547 (+6.0%)
35 y/oHK$2,889 (+6.0%)
40 y/oHK$3,350 (+6.0%)
45 y/oHK$4,033 (+6.0%)
50 y/oHK$5,141 (+6.0%)
55 y/oHK$6,677 (+6.0%)
60 y/oHK$8,313 (+6.0%)
65 y/oHK$11,367 (+6.0%)
70 y/oHK$14,075 (+6.0%)
75 y/oHK$17,117 (+6.0%)
80 y/oHK$20,882 (+6.0%)
85 y/oHK$23,324 (+6.0%)
90 y/oHK$24,882 (+6.0%)
95 y/oHK$26,528 (+6.0%)
99 y/oHK$27,913 (+6.0%)
+4.0%
All-ages avg
0 y/oHK$2,998 (+4.0%)
5 y/oHK$2,185 (+4.0%)
10 y/oHK$1,646 (+4.0%)
15 y/oHK$1,549 (+4.0%)
20 y/oHK$2,039 (+4.0%)
25 y/oHK$2,456 (+4.0%)
30 y/oHK$2,649 (+4.0%)
35 y/oHK$3,005 (+4.0%)
40 y/oHK$3,484 (+4.0%)
45 y/oHK$4,194 (+4.0%)
50 y/oHK$5,347 (+4.0%)
55 y/oHK$6,944 (+4.0%)
60 y/oHK$8,646 (+4.0%)
65 y/oHK$11,822 (+4.0%)
70 y/oHK$14,638 (+4.0%)
75 y/oHK$17,802 (+4.0%)
80 y/oHK$21,717 (+4.0%)
85 y/oHK$24,257 (+4.0%)
90 y/oHK$25,877 (+4.0%)
95 y/oHK$27,589 (+4.0%)
99 y/oHK$29,030 (+4.0%)
+7.7%
All-ages avg
0 y/oHK$3,268 (+9.0%)
5 y/oHK$2,382 (+9.0%)
10 y/oHK$1,745 (+6.0%)
15 y/oHK$1,642 (+6.0%)
20 y/oHK$2,161 (+6.0%)
25 y/oHK$2,603 (+6.0%)
30 y/oHK$2,808 (+6.0%)
35 y/oHK$3,185 (+6.0%)
40 y/oHK$3,693 (+6.0%)
45 y/oHK$4,446 (+6.0%)
50 y/oHK$5,695 (+6.5%)
55 y/oHK$7,569 (+9.0%)
60 y/oHK$9,424 (+9.0%)
65 y/oHK$12,886 (+9.0%)
70 y/oHK$15,955 (+9.0%)
75 y/oHK$19,404 (+9.0%)
80 y/oHK$23,672 (+9.0%)
85 y/oHK$26,440 (+9.0%)
90 y/oHK$28,206 (+9.0%)
95 y/oHK$30,072 (+9.0%)
99 y/oHK$31,643 (+9.0%)
+7.0%
All-ages avg
0 y/oHK$3,497 (+7.0%)
5 y/oHK$2,549 (+7.0%)
10 y/oHK$1,867 (+7.0%)
15 y/oHK$1,757 (+7.0%)
20 y/oHK$2,312 (+7.0%)
25 y/oHK$2,785 (+7.0%)
30 y/oHK$3,005 (+7.0%)
35 y/oHK$3,408 (+7.0%)
40 y/oHK$3,952 (+7.0%)
45 y/oHK$4,757 (+7.0%)
50 y/oHK$6,094 (+7.0%)
55 y/oHK$8,099 (+7.0%)
60 y/oHK$10,084 (+7.0%)
65 y/oHK$13,788 (+7.0%)
70 y/oHK$17,072 (+7.0%)
75 y/oHK$20,762 (+7.0%)
80 y/oHK$25,329 (+7.0%)
85 y/oHK$28,291 (+7.0%)
90 y/oHK$30,180 (+7.0%)
95 y/oHK$32,177 (+7.0%)
99 y/oHK$33,858 (+7.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+4.24%
5 y/o+4.24%
10 y/o+3.85%
15 y/o+3.85%
20 y/o+3.85%
25 y/o+3.85%
30 y/o+3.85%
35 y/o+3.85%
40 y/o+3.85%
45 y/o+3.85%
50 y/o+3.92%
55 y/o+4.31%
60 y/o+4.24%
65 y/o+4.24%
70 y/o+4.24%
75 y/o+4.30%
80 y/o+4.31%
85 y/o+4.31%
90 y/o+4.31%
95 y/o+4.31%
99 y/o+4.31%
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.