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健康常伴優越醫療保險計劃 - 半私家病房連附加保障
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 +2.18%
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。
港元 (HKD)
| 年齡 | 2019-06-03 | 2021-04-01 | 最新版本 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0歲 | HK$7,200 | HK$7,200 | HK$8,208 (+14.0%) | +1.82% |
| 5歲 | HK$7,200 | HK$7,200 | HK$8,208 (+14.0%) | +1.82% |
| 10歲 | HK$2,800 | HK$2,800 | HK$3,192 (+14.0%) | +1.82% |
| 15歲 | HK$2,800 | HK$2,800 | HK$3,192 (+14.0%) | +1.82% |
| 20歲 | HK$2,817 | HK$2,817 | HK$3,211 (+14.0%) | +1.81% |
| 25歲 | HK$3,589 | HK$3,589 | HK$4,091 (+14.0%) | +1.81% |
| 30歲 | HK$4,111 | HK$4,111 | HK$4,687 (+14.0%) | +1.82% |
| 35歲 | HK$4,688 | HK$4,688 | HK$5,344 (+14.0%) | +1.81% |
| 40歲 | HK$5,254 | HK$5,254 | HK$5,990 (+14.0%) | +1.82% |
| 45歲 | HK$6,304 | HK$6,304 | HK$7,187 (+14.0%) | +1.82% |
| 50歲 | HK$7,908 | HK$7,908 | HK$9,015 (+14.0%) | +1.82% |
| 55歲 | HK$10,910 | HK$10,910 | HK$12,437 (+14.0%) | +1.82% |
| 60歲 | HK$14,421 | HK$14,421 | HK$16,440 (+14.0%) | +1.82% |
| 65歲 | HK$19,149 | HK$19,149 | HK$21,830 (+14.0%) | +1.82% |
| 70歲 | HK$24,315 | HK$24,315 | HK$27,719 (+14.0%) | +1.82% |
| 75歲 | HK$27,108 | HK$27,108 | HK$30,903 (+14.0%) | +1.82% |
| 80歲 | HK$33,677 | HK$33,677 | HK$38,392 (+14.0%) | +1.82% |
| 85歲 | HK$37,910 | HK$37,910 | HK$43,217 (+14.0%) | +1.82% |
| 90歲 | HK$40,901 | HK$40,901 | HK$46,627 (+14.0%) | +1.82% |
| 95歲 | HK$42,978 | HK$42,978 | HK$48,995 (+14.0%) | +1.82% |
| 99歲 | HK$44,414 | HK$44,414 | HK$50,632 (+14.0%) | +1.82% |
| 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 2026-09-15
0歲+1.82%
5歲+1.82%
10歲+1.82%
15歲+1.82%
20歲+1.81%
25歲+1.81%
30歲+1.82%
35歲+1.81%
40歲+1.82%
45歲+1.82%
50歲+1.82%
55歲+1.82%
60歲+1.82%
65歲+1.82%
70歲+1.82%
75歲+1.82%
80歲+1.82%
85歲+1.82%
90歲+1.82%
95歲+1.82%
99歲+1.82%
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 2026-09-15
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。