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軸轉Healthy Life Premier Medical Insurance Plan - Semi-private with SMM
中國人壽保險（海外）股份有限公司 · F00030-01-001 · 3 個版本 · 靈活計劃 · 年均加幅 +2.23%
數據注意事項 (1)
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 | F00030-01-001-01 2019-06-03 | F00030-01-001-02 2021-04-01 | F00030-01-001-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$7,200 | HK$7,200 | HK$8,208 (+14.0%) | +1.86% |
| 5 | HK$7,200 | HK$7,200 | HK$8,208 (+14.0%) | +1.86% |
| 10 | HK$2,800 | HK$2,800 | HK$3,192 (+14.0%) | +1.86% |
| 15 | HK$2,800 | HK$2,800 | HK$3,192 (+14.0%) | +1.86% |
| 20 | HK$2,817 | HK$2,817 | HK$3,211 (+14.0%) | +1.85% |
| 25 | HK$3,589 | HK$3,589 | HK$4,091 (+14.0%) | +1.85% |
| 30 | HK$4,111 | HK$4,111 | HK$4,687 (+14.0%) | +1.86% |
| 35 | HK$4,688 | HK$4,688 | HK$5,344 (+14.0%) | +1.86% |
| 40 | HK$5,254 | HK$5,254 | HK$5,990 (+14.0%) | +1.86% |
| 45 | HK$6,304 | HK$6,304 | HK$7,187 (+14.0%) | +1.86% |
| 50 | HK$7,908 | HK$7,908 | HK$9,015 (+14.0%) | +1.86% |
| 55 | HK$10,910 | HK$10,910 | HK$12,437 (+14.0%) | +1.86% |
| 60 | HK$14,421 | HK$14,421 | HK$16,440 (+14.0%) | +1.86% |
| 65 | HK$19,149 | HK$19,149 | HK$21,830 (+14.0%) | +1.86% |
| 70 | HK$24,315 | HK$24,315 | HK$27,719 (+14.0%) | +1.86% |
| 75 | HK$27,108 | HK$27,108 | HK$30,903 (+14.0%) | +1.86% |
| 80 | HK$33,677 | HK$33,677 | HK$38,392 (+14.0%) | +1.86% |
| 85 | HK$37,910 | HK$37,910 | HK$43,217 (+14.0%) | +1.86% |
| 90 | HK$40,901 | HK$40,901 | HK$46,627 (+14.0%) | +1.86% |
| 95 | HK$42,978 | HK$42,978 | HK$48,995 (+14.0%) | +1.86% |
| 99 | HK$44,414 | HK$44,414 | HK$50,632 (+14.0%) | +1.86% |
| 所有年齡平均 | — | 0.0% | +14.0% | — |
0歲HK$7,200
5歲HK$7,200
10歲HK$2,800
15歲HK$2,800
20歲HK$2,817
25歲HK$3,589
30歲HK$4,111
35歲HK$4,688
40歲HK$5,254
45歲HK$6,304
50歲HK$7,908
55歲HK$10,910
60歲HK$14,421
65歲HK$19,149
70歲HK$24,315
75歲HK$27,108
80歲HK$33,677
85歲HK$37,910
90歲HK$40,901
95歲HK$42,978
99歲HK$44,414
0歲HK$7,200
5歲HK$7,200
10歲HK$2,800
15歲HK$2,800
20歲HK$2,817
25歲HK$3,589
30歲HK$4,111
35歲HK$4,688
40歲HK$5,254
45歲HK$6,304
50歲HK$7,908
55歲HK$10,910
60歲HK$14,421
65歲HK$19,149
70歲HK$24,315
75歲HK$27,108
80歲HK$33,677
85歲HK$37,910
90歲HK$40,901
95歲HK$42,978
99歲HK$44,414
0歲HK$8,208 (+14.0%)
5歲HK$8,208 (+14.0%)
10歲HK$3,192 (+14.0%)
15歲HK$3,192 (+14.0%)
20歲HK$3,211 (+14.0%)
25歲HK$4,091 (+14.0%)
30歲HK$4,687 (+14.0%)
35歲HK$5,344 (+14.0%)
40歲HK$5,990 (+14.0%)
45歲HK$7,187 (+14.0%)
50歲HK$9,015 (+14.0%)
55歲HK$12,437 (+14.0%)
60歲HK$16,440 (+14.0%)
65歲HK$21,830 (+14.0%)
70歲HK$27,719 (+14.0%)
75歲HK$30,903 (+14.0%)
80歲HK$38,392 (+14.0%)
85歲HK$43,217 (+14.0%)
90歲HK$46,627 (+14.0%)
95歲HK$48,995 (+14.0%)
99歲HK$50,632 (+14.0%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-07-18
0歲+1.86%
5歲+1.86%
10歲+1.86%
15歲+1.86%
20歲+1.85%
25歲+1.85%
30歲+1.86%
35歲+1.86%
40歲+1.86%
45歲+1.86%
50歲+1.86%
55歲+1.86%
60歲+1.86%
65歲+1.86%
70歲+1.86%
75歲+1.86%
80歲+1.86%
85歲+1.86%
90歲+1.86%
95歲+1.86%
99歲+1.86%
註・資料來源
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。男性／女性矩陣的年均加幅按該性別自身的保費軌跡計算；計劃總覽顯示的年均加幅則為男女兩者的平均值。· 計算至 2026-07-18
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 | F00030-01-001-01 2019-06-03 | F00030-01-001-02 2021-04-01 | F00030-01-001-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$7,200 | HK$7,200 | HK$7,581 (+5.3%) | +0.73% |
| 5 | HK$7,200 | HK$7,200 | HK$7,581 (+5.3%) | +0.73% |
| 10 | HK$2,800 | HK$2,800 | HK$3,192 (+14.0%) | +1.86% |
| 15 | HK$2,800 | HK$2,800 | HK$3,192 (+14.0%) | +1.86% |
| 20 | HK$2,817 | HK$2,817 | HK$3,936 (+39.7%) | +4.81% |
| 25 | HK$3,589 | HK$3,589 | HK$5,182 (+44.4%) | +5.29% |
| 30 | HK$4,111 | HK$4,111 | HK$6,163 (+49.9%) | +5.85% |
| 35 | HK$4,688 | HK$4,688 | HK$7,197 (+53.5%) | +6.20% |
| 40 | HK$5,254 | HK$5,254 | HK$8,197 (+56.0%) | +6.44% |
| 45 | HK$6,304 | HK$6,304 | HK$9,790 (+55.3%) | +6.37% |
| 50 | HK$7,908 | HK$7,908 | HK$11,603 (+46.7%) | +5.53% |
| 55 | HK$10,910 | HK$10,910 | HK$12,929 (+18.5%) | +2.41% |
| 60 | HK$14,421 | HK$14,421 | HK$15,235 (+5.6%) | +0.77% |
| 65 | HK$19,149 | HK$19,149 | HK$18,509 (-3.3%) | -0.48% |
| 70 | HK$24,315 | HK$24,315 | HK$23,043 (-5.2%) | -0.75% |
| 75 | HK$27,108 | HK$27,108 | HK$28,450 (+5.0%) | +0.68% |
| 80 | HK$33,677 | HK$33,677 | HK$35,160 (+4.4%) | +0.61% |
| 85 | HK$37,910 | HK$37,910 | HK$40,226 (+6.1%) | +0.84% |
| 90 | HK$40,901 | HK$40,901 | HK$44,218 (+8.1%) | +1.10% |
| 95 | HK$42,978 | HK$42,978 | HK$46,771 (+8.8%) | +1.19% |
| 99 | HK$44,414 | HK$44,414 | HK$49,003 (+10.3%) | +1.39% |
| 所有年齡平均 | — | 0.0% | +21.1% | — |
0歲HK$7,200
5歲HK$7,200
10歲HK$2,800
15歲HK$2,800
20歲HK$2,817
25歲HK$3,589
30歲HK$4,111
35歲HK$4,688
40歲HK$5,254
45歲HK$6,304
50歲HK$7,908
55歲HK$10,910
60歲HK$14,421
65歲HK$19,149
70歲HK$24,315
75歲HK$27,108
80歲HK$33,677
85歲HK$37,910
90歲HK$40,901
95歲HK$42,978
99歲HK$44,414
0歲HK$7,200
5歲HK$7,200
10歲HK$2,800
15歲HK$2,800
20歲HK$2,817
25歲HK$3,589
30歲HK$4,111
35歲HK$4,688
40歲HK$5,254
45歲HK$6,304
50歲HK$7,908
55歲HK$10,910
60歲HK$14,421
65歲HK$19,149
70歲HK$24,315
75歲HK$27,108
80歲HK$33,677
85歲HK$37,910
90歲HK$40,901
95歲HK$42,978
99歲HK$44,414
0歲HK$7,581 (+5.3%)
5歲HK$7,581 (+5.3%)
10歲HK$3,192 (+14.0%)
15歲HK$3,192 (+14.0%)
20歲HK$3,936 (+39.7%)
25歲HK$5,182 (+44.4%)
30歲HK$6,163 (+49.9%)
35歲HK$7,197 (+53.5%)
40歲HK$8,197 (+56.0%)
45歲HK$9,790 (+55.3%)
50歲HK$11,603 (+46.7%)
55歲HK$12,929 (+18.5%)
60歲HK$15,235 (+5.6%)
65歲HK$18,509 (-3.3%)
70歲HK$23,043 (-5.2%)
75歲HK$28,450 (+5.0%)
80歲HK$35,160 (+4.4%)
85歲HK$40,226 (+6.1%)
90歲HK$44,218 (+8.1%)
95歲HK$46,771 (+8.8%)
99歲HK$49,003 (+10.3%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-07-18
0歲+0.73%
5歲+0.73%
10歲+1.86%
15歲+1.86%
20歲+4.81%
25歲+5.29%
30歲+5.85%
35歲+6.20%
40歲+6.44%
45歲+6.37%
50歲+5.53%
55歲+2.41%
60歲+0.77%
65歲-0.48%
70歲-0.75%
75歲+0.68%
80歲+0.61%
85歲+0.84%
90歲+1.10%
95歲+1.19%
99歲+1.39%
註・資料來源
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。男性／女性矩陣的年均加幅按該性別自身的保費軌跡計算；計劃總覽顯示的年均加幅則為男女兩者的平均值。· 計算至 2026-07-18
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。