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Manulife First VHIS Flexi Plan - Ward with SMM
宏利全護航自願醫保靈活計劃 - 普通房+高額醫療保障
Manulife (International) Limited · F00019-01-001 · 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$4,367 | HK$4,630 (+6.0%) | HK$4,908 (+6.0%) | HK$5,104 (+4.0%) | HK$5,563 (+9.0%) | HK$5,952 (+7.0%) | +4.24% |
| 5 y/o | HK$3,182 | HK$3,373 (+6.0%) | HK$3,575 (+6.0%) | HK$3,718 (+4.0%) | HK$4,053 (+9.0%) | HK$4,337 (+7.0%) | +4.24% |
| 10 y/o | HK$2,398 | HK$2,542 (+6.0%) | HK$2,695 (+6.0%) | HK$2,803 (+4.0%) | HK$2,971 (+6.0%) | HK$3,179 (+7.0%) | +3.85% |
| 15 y/o | HK$2,257 | HK$2,392 (+6.0%) | HK$2,536 (+6.0%) | HK$2,637 (+4.0%) | HK$2,795 (+6.0%) | HK$2,991 (+7.0%) | +3.85% |
| 20 y/o | HK$2,971 | HK$3,149 (+6.0%) | HK$3,338 (+6.0%) | HK$3,472 (+4.0%) | HK$3,680 (+6.0%) | HK$3,938 (+7.0%) | +3.85% |
| 25 y/o | HK$3,578 | HK$3,793 (+6.0%) | HK$4,021 (+6.0%) | HK$4,182 (+4.0%) | HK$4,433 (+6.0%) | HK$4,743 (+7.0%) | +3.85% |
| 30 y/o | HK$3,860 | HK$4,091 (+6.0%) | HK$4,336 (+6.0%) | HK$4,509 (+4.0%) | HK$4,780 (+6.0%) | HK$5,115 (+7.0%) | +3.85% |
| 35 y/o | HK$4,377 | HK$4,639 (+6.0%) | HK$4,917 (+6.0%) | HK$5,114 (+4.0%) | HK$5,421 (+6.0%) | HK$5,800 (+7.0%) | +3.85% |
| 40 y/o | HK$5,075 | HK$5,379 (+6.0%) | HK$5,702 (+6.0%) | HK$5,930 (+4.0%) | HK$6,286 (+6.0%) | HK$6,726 (+7.0%) | +3.85% |
| 45 y/o | HK$6,111 | HK$6,477 (+6.0%) | HK$6,866 (+6.0%) | HK$7,141 (+4.0%) | HK$7,569 (+6.0%) | HK$8,099 (+7.0%) | +3.85% |
| 50 y/o | HK$7,789 | HK$8,256 (+6.0%) | HK$8,751 (+6.0%) | HK$9,101 (+4.0%) | HK$9,693 (+6.5%) | HK$10,372 (+7.0%) | +3.92% |
| 55 y/o | HK$10,068 | HK$10,722 (+6.5%) | HK$11,365 (+6.0%) | HK$11,820 (+4.0%) | HK$12,884 (+9.0%) | HK$13,786 (+7.0%) | +4.31% |
| 60 y/o | HK$12,592 | HK$13,348 (+6.0%) | HK$14,149 (+6.0%) | HK$14,715 (+4.0%) | HK$16,039 (+9.0%) | HK$17,162 (+7.0%) | +4.24% |
| 65 y/o | HK$17,220 | HK$18,254 (+6.0%) | HK$19,349 (+6.0%) | HK$20,123 (+4.0%) | HK$21,934 (+9.0%) | HK$23,469 (+7.0%) | +4.24% |
| 70 y/o | HK$21,321 | HK$22,601 (+6.0%) | HK$23,957 (+6.0%) | HK$24,915 (+4.0%) | HK$27,157 (+9.0%) | HK$29,058 (+7.0%) | +4.24% |
| 75 y/o | HK$25,827 | HK$27,485 (+6.4%) | HK$29,134 (+6.0%) | HK$30,299 (+4.0%) | HK$33,026 (+9.0%) | HK$35,338 (+7.0%) | +4.30% |
| 80 y/o | HK$31,485 | HK$33,531 (+6.5%) | HK$35,543 (+6.0%) | HK$36,965 (+4.0%) | HK$40,292 (+9.0%) | HK$43,112 (+7.0%) | +4.31% |
| 85 y/o | HK$35,168 | HK$37,454 (+6.5%) | HK$39,701 (+6.0%) | HK$41,289 (+4.0%) | HK$45,005 (+9.0%) | HK$48,155 (+7.0%) | +4.31% |
| 90 y/o | HK$37,518 | HK$39,956 (+6.5%) | HK$42,353 (+6.0%) | HK$44,047 (+4.0%) | HK$48,011 (+9.0%) | HK$51,372 (+7.0%) | +4.31% |
| 95 y/o | HK$39,997 | HK$42,597 (+6.5%) | HK$45,153 (+6.0%) | HK$46,959 (+4.0%) | HK$51,185 (+9.0%) | HK$54,768 (+7.0%) | +4.31% |
| 99 y/o | HK$42,086 | HK$44,821 (+6.5%) | HK$47,510 (+6.0%) | HK$49,410 (+4.0%) | HK$53,857 (+9.0%) | HK$57,627 (+7.0%) | +4.31% |
| All ages average | — | +6.2% | +6.0% | +4.0% | +7.7% | +7.0% | — |
0 y/oHK$4,367
5 y/oHK$3,182
10 y/oHK$2,398
15 y/oHK$2,257
20 y/oHK$2,971
25 y/oHK$3,578
30 y/oHK$3,860
35 y/oHK$4,377
40 y/oHK$5,075
45 y/oHK$6,111
50 y/oHK$7,789
55 y/oHK$10,068
60 y/oHK$12,592
65 y/oHK$17,220
70 y/oHK$21,321
75 y/oHK$25,827
80 y/oHK$31,485
85 y/oHK$35,168
90 y/oHK$37,518
95 y/oHK$39,997
99 y/oHK$42,086
+6.2%
All-ages avg
0 y/oHK$4,630 (+6.0%)
5 y/oHK$3,373 (+6.0%)
10 y/oHK$2,542 (+6.0%)
15 y/oHK$2,392 (+6.0%)
20 y/oHK$3,149 (+6.0%)
25 y/oHK$3,793 (+6.0%)
30 y/oHK$4,091 (+6.0%)
35 y/oHK$4,639 (+6.0%)
40 y/oHK$5,379 (+6.0%)
45 y/oHK$6,477 (+6.0%)
50 y/oHK$8,256 (+6.0%)
55 y/oHK$10,722 (+6.5%)
60 y/oHK$13,348 (+6.0%)
65 y/oHK$18,254 (+6.0%)
70 y/oHK$22,601 (+6.0%)
75 y/oHK$27,485 (+6.4%)
80 y/oHK$33,531 (+6.5%)
85 y/oHK$37,454 (+6.5%)
90 y/oHK$39,956 (+6.5%)
95 y/oHK$42,597 (+6.5%)
99 y/oHK$44,821 (+6.5%)
+6.0%
All-ages avg
0 y/oHK$4,908 (+6.0%)
5 y/oHK$3,575 (+6.0%)
10 y/oHK$2,695 (+6.0%)
15 y/oHK$2,536 (+6.0%)
20 y/oHK$3,338 (+6.0%)
25 y/oHK$4,021 (+6.0%)
30 y/oHK$4,336 (+6.0%)
35 y/oHK$4,917 (+6.0%)
40 y/oHK$5,702 (+6.0%)
45 y/oHK$6,866 (+6.0%)
50 y/oHK$8,751 (+6.0%)
55 y/oHK$11,365 (+6.0%)
60 y/oHK$14,149 (+6.0%)
65 y/oHK$19,349 (+6.0%)
70 y/oHK$23,957 (+6.0%)
75 y/oHK$29,134 (+6.0%)
80 y/oHK$35,543 (+6.0%)
85 y/oHK$39,701 (+6.0%)
90 y/oHK$42,353 (+6.0%)
95 y/oHK$45,153 (+6.0%)
99 y/oHK$47,510 (+6.0%)
+4.0%
All-ages avg
0 y/oHK$5,104 (+4.0%)
5 y/oHK$3,718 (+4.0%)
10 y/oHK$2,803 (+4.0%)
15 y/oHK$2,637 (+4.0%)
20 y/oHK$3,472 (+4.0%)
25 y/oHK$4,182 (+4.0%)
30 y/oHK$4,509 (+4.0%)
35 y/oHK$5,114 (+4.0%)
40 y/oHK$5,930 (+4.0%)
45 y/oHK$7,141 (+4.0%)
50 y/oHK$9,101 (+4.0%)
55 y/oHK$11,820 (+4.0%)
60 y/oHK$14,715 (+4.0%)
65 y/oHK$20,123 (+4.0%)
70 y/oHK$24,915 (+4.0%)
75 y/oHK$30,299 (+4.0%)
80 y/oHK$36,965 (+4.0%)
85 y/oHK$41,289 (+4.0%)
90 y/oHK$44,047 (+4.0%)
95 y/oHK$46,959 (+4.0%)
99 y/oHK$49,410 (+4.0%)
+7.7%
All-ages avg
0 y/oHK$5,563 (+9.0%)
5 y/oHK$4,053 (+9.0%)
10 y/oHK$2,971 (+6.0%)
15 y/oHK$2,795 (+6.0%)
20 y/oHK$3,680 (+6.0%)
25 y/oHK$4,433 (+6.0%)
30 y/oHK$4,780 (+6.0%)
35 y/oHK$5,421 (+6.0%)
40 y/oHK$6,286 (+6.0%)
45 y/oHK$7,569 (+6.0%)
50 y/oHK$9,693 (+6.5%)
55 y/oHK$12,884 (+9.0%)
60 y/oHK$16,039 (+9.0%)
65 y/oHK$21,934 (+9.0%)
70 y/oHK$27,157 (+9.0%)
75 y/oHK$33,026 (+9.0%)
80 y/oHK$40,292 (+9.0%)
85 y/oHK$45,005 (+9.0%)
90 y/oHK$48,011 (+9.0%)
95 y/oHK$51,185 (+9.0%)
99 y/oHK$53,857 (+9.0%)
+7.0%
All-ages avg
0 y/oHK$5,952 (+7.0%)
5 y/oHK$4,337 (+7.0%)
10 y/oHK$3,179 (+7.0%)
15 y/oHK$2,991 (+7.0%)
20 y/oHK$3,938 (+7.0%)
25 y/oHK$4,743 (+7.0%)
30 y/oHK$5,115 (+7.0%)
35 y/oHK$5,800 (+7.0%)
40 y/oHK$6,726 (+7.0%)
45 y/oHK$8,099 (+7.0%)
50 y/oHK$10,372 (+7.0%)
55 y/oHK$13,786 (+7.0%)
60 y/oHK$17,162 (+7.0%)
65 y/oHK$23,469 (+7.0%)
70 y/oHK$29,058 (+7.0%)
75 y/oHK$35,338 (+7.0%)
80 y/oHK$43,112 (+7.0%)
85 y/oHK$48,155 (+7.0%)
90 y/oHK$51,372 (+7.0%)
95 y/oHK$54,768 (+7.0%)
99 y/oHK$57,627 (+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.