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Healthy Life Premier Medical Insurance Plan - Private
中國人壽保險（海外）股份有限公司 · F00030-02-000 · 3 個版本 · 靈活計劃 · 年均加幅 +2.28%
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 | F00030-02-000-01 2019-06-03 | F00030-02-000-02 2021-04-01 | F00030-02-000-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$8,900 | HK$8,900 | HK$10,146 (+14.0%) | +1.28% |
| 5 | HK$8,900 | HK$8,900 | HK$10,146 (+14.0%) | +1.28% |
| 10 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 15 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 20 | HK$3,242 | HK$3,242 | HK$3,696 (+14.0%) | +3.63% |
| 25 | HK$4,212 | HK$4,212 | HK$4,802 (+14.0%) | +3.78% |
| 30 | HK$4,913 | HK$4,913 | HK$5,601 (+14.0%) | +3.94% |
| 35 | HK$5,587 | HK$5,587 | HK$6,369 (+14.0%) | +4.15% |
| 40 | HK$6,288 | HK$6,288 | HK$7,168 (+14.0%) | +4.31% |
| 45 | HK$7,580 | HK$7,580 | HK$8,641 (+14.0%) | +4.28% |
| 50 | HK$9,561 | HK$9,561 | HK$10,900 (+14.0%) | +3.82% |
| 55 | HK$13,264 | HK$13,264 | HK$15,121 (+14.0%) | +2.22% |
| 60 | HK$17,568 | HK$17,568 | HK$20,028 (+14.0%) | +1.36% |
| 65 | HK$23,349 | HK$23,349 | HK$26,618 (+14.0%) | +0.66% |
| 70 | HK$29,703 | HK$29,703 | HK$33,861 (+14.0%) | +0.50% |
| 75 | HK$33,237 | HK$33,237 | HK$37,890 (+14.0%) | +1.22% |
| 80 | HK$41,516 | HK$41,516 | HK$47,328 (+14.0%) | +1.19% |
| 85 | HK$46,801 | HK$46,801 | HK$53,353 (+14.0%) | +1.32% |
| 90 | HK$50,416 | HK$50,416 | HK$57,474 (+14.0%) | +1.46% |
| 95 | HK$52,433 | HK$52,433 | HK$59,774 (+14.0%) | +1.57% |
| 99 | HK$53,778 | HK$53,778 | HK$61,307 (+14.0%) | +1.68% |
| 所有年齡平均 | — | 0.0% | +14.0% | — |
0歲HK$8,900
5歲HK$8,900
10歲HK$3,400
15歲HK$3,400
20歲HK$3,242
25歲HK$4,212
30歲HK$4,913
35歲HK$5,587
40歲HK$6,288
45歲HK$7,580
50歲HK$9,561
55歲HK$13,264
60歲HK$17,568
65歲HK$23,349
70歲HK$29,703
75歲HK$33,237
80歲HK$41,516
85歲HK$46,801
90歲HK$50,416
95歲HK$52,433
99歲HK$53,778
0歲HK$8,900
5歲HK$8,900
10歲HK$3,400
15歲HK$3,400
20歲HK$3,242
25歲HK$4,212
30歲HK$4,913
35歲HK$5,587
40歲HK$6,288
45歲HK$7,580
50歲HK$9,561
55歲HK$13,264
60歲HK$17,568
65歲HK$23,349
70歲HK$29,703
75歲HK$33,237
80歲HK$41,516
85歲HK$46,801
90歲HK$50,416
95歲HK$52,433
99歲HK$53,778
0歲HK$10,146 (+14.0%)
5歲HK$10,146 (+14.0%)
10歲HK$3,876 (+14.0%)
15歲HK$3,876 (+14.0%)
20歲HK$3,696 (+14.0%)
25歲HK$4,802 (+14.0%)
30歲HK$5,601 (+14.0%)
35歲HK$6,369 (+14.0%)
40歲HK$7,168 (+14.0%)
45歲HK$8,641 (+14.0%)
50歲HK$10,900 (+14.0%)
55歲HK$15,121 (+14.0%)
60歲HK$20,028 (+14.0%)
65歲HK$26,618 (+14.0%)
70歲HK$33,861 (+14.0%)
75歲HK$37,890 (+14.0%)
80歲HK$47,328 (+14.0%)
85歲HK$53,353 (+14.0%)
90歲HK$57,474 (+14.0%)
95歲HK$59,774 (+14.0%)
99歲HK$61,307 (+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+1.28%
5歲+1.28%
10歲+1.87%
15歲+1.87%
20歲+3.63%
25歲+3.78%
30歲+3.94%
35歲+4.15%
40歲+4.31%
45歲+4.28%
50歲+3.82%
55歲+2.22%
60歲+1.36%
65歲+0.66%
70歲+0.50%
75歲+1.22%
80歲+1.19%
85歲+1.32%
90歲+1.46%
95歲+1.57%
99歲+1.68%
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 | F00030-02-000-01 2019-06-03 | F00030-02-000-02 2021-04-01 | F00030-02-000-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$8,900 | HK$8,900 | HK$9,348 (+5.0%) | +1.28% |
| 5 | HK$8,900 | HK$8,900 | HK$9,348 (+5.0%) | +1.28% |
| 10 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 15 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 20 | HK$3,242 | HK$3,242 | HK$4,704 (+45.1%) | +3.63% |
| 25 | HK$4,212 | HK$4,212 | HK$6,234 (+48.0%) | +3.78% |
| 30 | HK$4,913 | HK$4,913 | HK$7,425 (+51.1%) | +3.94% |
| 35 | HK$5,587 | HK$5,587 | HK$8,688 (+55.5%) | +4.15% |
| 40 | HK$6,288 | HK$6,288 | HK$9,990 (+58.9%) | +4.31% |
| 45 | HK$7,580 | HK$7,580 | HK$11,991 (+58.2%) | +4.28% |
| 50 | HK$9,561 | HK$9,561 | HK$14,226 (+48.8%) | +3.82% |
| 55 | HK$13,264 | HK$13,264 | HK$15,881 (+19.7%) | +2.22% |
| 60 | HK$17,568 | HK$17,568 | HK$18,648 (+6.1%) | +1.36% |
| 65 | HK$23,349 | HK$23,349 | HK$22,458 (-3.8%) | +0.66% |
| 70 | HK$29,703 | HK$29,703 | HK$27,940 (-5.9%) | +0.50% |
| 75 | HK$33,237 | HK$33,237 | HK$34,615 (+4.1%) | +1.22% |
| 80 | HK$41,516 | HK$41,516 | HK$43,068 (+3.7%) | +1.19% |
| 85 | HK$46,801 | HK$46,801 | HK$49,442 (+5.6%) | +1.32% |
| 90 | HK$50,416 | HK$50,416 | HK$54,267 (+7.6%) | +1.46% |
| 95 | HK$52,433 | HK$52,433 | HK$57,311 (+9.3%) | +1.57% |
| 99 | HK$53,778 | HK$53,778 | HK$59,694 (+11.0%) | +1.68% |
| 所有年齡平均 | — | 0.0% | +22.0% | — |
0歲HK$8,900
5歲HK$8,900
10歲HK$3,400
15歲HK$3,400
20歲HK$3,242
25歲HK$4,212
30歲HK$4,913
35歲HK$5,587
40歲HK$6,288
45歲HK$7,580
50歲HK$9,561
55歲HK$13,264
60歲HK$17,568
65歲HK$23,349
70歲HK$29,703
75歲HK$33,237
80歲HK$41,516
85歲HK$46,801
90歲HK$50,416
95歲HK$52,433
99歲HK$53,778
0歲HK$8,900
5歲HK$8,900
10歲HK$3,400
15歲HK$3,400
20歲HK$3,242
25歲HK$4,212
30歲HK$4,913
35歲HK$5,587
40歲HK$6,288
45歲HK$7,580
50歲HK$9,561
55歲HK$13,264
60歲HK$17,568
65歲HK$23,349
70歲HK$29,703
75歲HK$33,237
80歲HK$41,516
85歲HK$46,801
90歲HK$50,416
95歲HK$52,433
99歲HK$53,778
0歲HK$9,348 (+5.0%)
5歲HK$9,348 (+5.0%)
10歲HK$3,876 (+14.0%)
15歲HK$3,876 (+14.0%)
20歲HK$4,704 (+45.1%)
25歲HK$6,234 (+48.0%)
30歲HK$7,425 (+51.1%)
35歲HK$8,688 (+55.5%)
40歲HK$9,990 (+58.9%)
45歲HK$11,991 (+58.2%)
50歲HK$14,226 (+48.8%)
55歲HK$15,881 (+19.7%)
60歲HK$18,648 (+6.1%)
65歲HK$22,458 (-3.8%)
70歲HK$27,940 (-5.9%)
75歲HK$34,615 (+4.1%)
80歲HK$43,068 (+3.7%)
85歲HK$49,442 (+5.6%)
90歲HK$54,267 (+7.6%)
95歲HK$57,311 (+9.3%)
99歲HK$59,694 (+11.0%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-07-01
0歲+1.28%
5歲+1.28%
10歲+1.87%
15歲+1.87%
20歲+3.63%
25歲+3.78%
30歲+3.94%
35歲+4.15%
40歲+4.31%
45歲+4.28%
50歲+3.82%
55歲+2.22%
60歲+1.36%
65歲+0.66%
70歲+0.50%
75歲+1.22%
80歲+1.19%
85歲+1.32%
90歲+1.46%
95歲+1.57%
99歲+1.68%
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。