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健康常伴醫療保險計劃
Healthy Life Medical Insurance Plan
中國人壽保險（海外）股份有限公司 · F00024-01-000 · 3 個版本 · 靈活計劃 · 年均加幅 +2.16%
性別軸轉家族 · 保費結構改變
此系列的保費結構由不分性別改為男女分開（涉及 100 個年齡層）。 加幅數字反映結構改變的平均影響，個別性別的實際影響可能大幅偏離均數 — 需參考原 PDF 確認。
男性 Male
| 年齡 | F00024-01-000-01 2019-04-01 | F00024-01-000-02 2021-04-01 | F00024-01-000-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$4,500 | HK$4,500 | HK$5,130 (+14.0%) | +1.34% |
| 5 | HK$4,500 | HK$4,500 | HK$5,130 (+14.0%) | +1.34% |
| 10 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.82% |
| 15 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.82% |
| 20 | HK$1,987 | HK$1,987 | HK$2,265 (+14.0%) | +3.46% |
| 25 | HK$2,497 | HK$2,497 | HK$2,847 (+14.0%) | +3.55% |
| 30 | HK$2,826 | HK$2,826 | HK$3,222 (+14.0%) | +3.70% |
| 35 | HK$3,234 | HK$3,234 | HK$3,687 (+14.0%) | +3.89% |
| 40 | HK$3,584 | HK$3,584 | HK$4,086 (+14.0%) | +4.01% |
| 45 | HK$4,268 | HK$4,268 | HK$4,866 (+14.0%) | +3.99% |
| 50 | HK$5,296 | HK$5,296 | HK$6,037 (+14.0%) | +3.59% |
| 55 | HK$7,274 | HK$7,274 | HK$8,292 (+14.0%) | +2.05% |
| 60 | HK$9,593 | HK$9,593 | HK$10,936 (+14.0%) | +1.23% |
| 65 | HK$12,800 | HK$12,800 | HK$14,592 (+14.0%) | +0.60% |
| 70 | HK$16,333 | HK$16,333 | HK$18,620 (+14.0%) | +0.46% |
| 75 | HK$18,260 | HK$18,260 | HK$20,816 (+14.0%) | +1.18% |
| 80 | HK$22,700 | HK$22,700 | HK$25,878 (+14.0%) | +1.17% |
| 85 | HK$25,548 | HK$25,548 | HK$29,125 (+14.0%) | +1.27% |
| 90 | HK$27,590 | HK$27,590 | HK$31,453 (+14.0%) | +1.41% |
| 95 | HK$29,336 | HK$29,336 | HK$33,443 (+14.0%) | +1.41% |
| 99 | HK$30,611 | HK$30,611 | HK$34,897 (+14.0%) | +1.50% |
| 所有年齡平均 | — | 0.0% | +14.0% | — |
0歲HK$4,500
5歲HK$4,500
10歲HK$1,850
15歲HK$1,850
20歲HK$1,987
25歲HK$2,497
30歲HK$2,826
35歲HK$3,234
40歲HK$3,584
45歲HK$4,268
50歲HK$5,296
55歲HK$7,274
60歲HK$9,593
65歲HK$12,800
70歲HK$16,333
75歲HK$18,260
80歲HK$22,700
85歲HK$25,548
90歲HK$27,590
95歲HK$29,336
99歲HK$30,611
0歲HK$4,500
5歲HK$4,500
10歲HK$1,850
15歲HK$1,850
20歲HK$1,987
25歲HK$2,497
30歲HK$2,826
35歲HK$3,234
40歲HK$3,584
45歲HK$4,268
50歲HK$5,296
55歲HK$7,274
60歲HK$9,593
65歲HK$12,800
70歲HK$16,333
75歲HK$18,260
80歲HK$22,700
85歲HK$25,548
90歲HK$27,590
95歲HK$29,336
99歲HK$30,611
0歲HK$5,130 (+14.0%)
5歲HK$5,130 (+14.0%)
10歲HK$2,109 (+14.0%)
15歲HK$2,109 (+14.0%)
20歲HK$2,265 (+14.0%)
25歲HK$2,847 (+14.0%)
30歲HK$3,222 (+14.0%)
35歲HK$3,687 (+14.0%)
40歲HK$4,086 (+14.0%)
45歲HK$4,866 (+14.0%)
50歲HK$6,037 (+14.0%)
55歲HK$8,292 (+14.0%)
60歲HK$10,936 (+14.0%)
65歲HK$14,592 (+14.0%)
70歲HK$18,620 (+14.0%)
75歲HK$20,816 (+14.0%)
80歲HK$25,878 (+14.0%)
85歲HK$29,125 (+14.0%)
90歲HK$31,453 (+14.0%)
95歲HK$33,443 (+14.0%)
99歲HK$34,897 (+14.0%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-07-01
0歲+1.34%
5歲+1.34%
10歲+1.82%
15歲+1.82%
20歲+3.46%
25歲+3.55%
30歲+3.70%
35歲+3.89%
40歲+4.01%
45歲+3.99%
50歲+3.59%
55歲+2.05%
60歲+1.23%
65歲+0.60%
70歲+0.46%
75歲+1.18%
80歲+1.17%
85歲+1.27%
90歲+1.41%
95歲+1.41%
99歲+1.50%
格仔顯示保費金額，括號內為相對上一個版本的百分比變化。首個版本只顯示基準保費。年均加幅使用複息公式（最新/最早 ^ (1/years) − 1），年期＝今日減最早版本日期。· 計算至 2026-07-01
預設顯示 21 個錨點年齡（每 5 歲一個，加上 0 與 99 兩端），方便快速掃讀整條走勢曲線。 右側「年均加幅」欄無論切換與否，皆基於全部 100 個年齡計算 — 不會因為顯示密度而改變。
女性 Female
| 年齡 | F00024-01-000-01 2019-04-01 | F00024-01-000-02 2021-04-01 | F00024-01-000-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$4,500 | HK$4,500 | HK$4,788 (+6.4%) | +1.34% |
| 5 | HK$4,500 | HK$4,500 | HK$4,788 (+6.4%) | +1.34% |
| 10 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.82% |
| 15 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.82% |
| 20 | HK$1,987 | HK$1,987 | HK$2,850 (+43.4%) | +3.46% |
| 25 | HK$2,497 | HK$2,497 | HK$3,624 (+45.1%) | +3.55% |
| 30 | HK$2,826 | HK$2,826 | HK$4,188 (+48.2%) | +3.70% |
| 35 | HK$3,234 | HK$3,234 | HK$4,921 (+52.2%) | +3.89% |
| 40 | HK$3,584 | HK$3,584 | HK$5,540 (+54.6%) | +4.01% |
| 45 | HK$4,268 | HK$4,268 | HK$6,585 (+54.3%) | +3.99% |
| 50 | HK$5,296 | HK$5,296 | HK$7,730 (+46.0%) | +3.59% |
| 55 | HK$7,274 | HK$7,274 | HK$8,566 (+17.8%) | +2.05% |
| 60 | HK$9,593 | HK$9,593 | HK$10,049 (+4.8%) | +1.23% |
| 65 | HK$12,800 | HK$12,800 | HK$12,238 (-4.4%) | +0.60% |
| 70 | HK$16,333 | HK$16,333 | HK$15,282 (-6.4%) | +0.46% |
| 75 | HK$18,260 | HK$18,260 | HK$18,987 (+4.0%) | +1.18% |
| 80 | HK$22,700 | HK$22,700 | HK$23,570 (+3.8%) | +1.17% |
| 85 | HK$25,548 | HK$25,548 | HK$26,921 (+5.4%) | +1.27% |
| 90 | HK$27,590 | HK$27,590 | HK$29,656 (+7.5%) | +1.41% |
| 95 | HK$29,336 | HK$29,336 | HK$31,506 (+7.4%) | +1.41% |
| 99 | HK$30,611 | HK$30,611 | HK$33,310 (+8.8%) | +1.50% |
| 所有年齡平均 | — | 0.0% | +20.6% | — |
0歲HK$4,500
5歲HK$4,500
10歲HK$1,850
15歲HK$1,850
20歲HK$1,987
25歲HK$2,497
30歲HK$2,826
35歲HK$3,234
40歲HK$3,584
45歲HK$4,268
50歲HK$5,296
55歲HK$7,274
60歲HK$9,593
65歲HK$12,800
70歲HK$16,333
75歲HK$18,260
80歲HK$22,700
85歲HK$25,548
90歲HK$27,590
95歲HK$29,336
99歲HK$30,611
0歲HK$4,500
5歲HK$4,500
10歲HK$1,850
15歲HK$1,850
20歲HK$1,987
25歲HK$2,497
30歲HK$2,826
35歲HK$3,234
40歲HK$3,584
45歲HK$4,268
50歲HK$5,296
55歲HK$7,274
60歲HK$9,593
65歲HK$12,800
70歲HK$16,333
75歲HK$18,260
80歲HK$22,700
85歲HK$25,548
90歲HK$27,590
95歲HK$29,336
99歲HK$30,611
0歲HK$4,788 (+6.4%)
5歲HK$4,788 (+6.4%)
10歲HK$2,109 (+14.0%)
15歲HK$2,109 (+14.0%)
20歲HK$2,850 (+43.4%)
25歲HK$3,624 (+45.1%)
30歲HK$4,188 (+48.2%)
35歲HK$4,921 (+52.2%)
40歲HK$5,540 (+54.6%)
45歲HK$6,585 (+54.3%)
50歲HK$7,730 (+46.0%)
55歲HK$8,566 (+17.8%)
60歲HK$10,049 (+4.8%)
65歲HK$12,238 (-4.4%)
70歲HK$15,282 (-6.4%)
75歲HK$18,987 (+4.0%)
80歲HK$23,570 (+3.8%)
85歲HK$26,921 (+5.4%)
90歲HK$29,656 (+7.5%)
95歲HK$31,506 (+7.4%)
99歲HK$33,310 (+8.8%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-07-01
0歲+1.34%
5歲+1.34%
10歲+1.82%
15歲+1.82%
20歲+3.46%
25歲+3.55%
30歲+3.70%
35歲+3.89%
40歲+4.01%
45歲+3.99%
50歲+3.59%
55歲+2.05%
60歲+1.23%
65歲+0.60%
70歲+0.46%
75歲+1.18%
80歲+1.17%
85歲+1.27%
90歲+1.41%
95歲+1.41%
99歲+1.50%
格仔顯示保費金額，括號內為相對上一個版本的百分比變化。首個版本只顯示基準保費。年均加幅使用複息公式（最新/最早 ^ (1/years) − 1），年期＝今日減最早版本日期。· 計算至 2026-07-01
預設顯示 21 個錨點年齡（每 5 歲一個，加上 0 與 99 兩端），方便快速掃讀整條走勢曲線。 右側「年均加幅」欄無論切換與否，皆基於全部 100 個年齡計算 — 不會因為顯示密度而改變。