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健康常伴優越醫療保險計劃 - 私家病房連附加保障
軸轉Healthy Life Premier Medical Insurance Plan - Private with SMM
中國人壽保險（海外）股份有限公司 · F00030-02-001 · 3 個版本 · 靈活計劃 · 年均加幅 +2.20%
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$12,200 | HK$12,200 | HK$13,908 (+14.0%) | +1.82% |
| 5歲 | HK$12,200 | HK$12,200 | HK$13,908 (+14.0%) | +1.82% |
| 10歲 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.82% |
| 15歲 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.82% |
| 20歲 | HK$4,340 | HK$4,340 | HK$4,948 (+14.0%) | +1.82% |
| 25歲 | HK$5,702 | HK$5,702 | HK$6,500 (+14.0%) | +1.81% |
| 30歲 | HK$6,717 | HK$6,717 | HK$7,657 (+14.0%) | +1.81% |
| 35歲 | HK$7,616 | HK$7,616 | HK$8,682 (+14.0%) | +1.82% |
| 40歲 | HK$8,496 | HK$8,496 | HK$9,685 (+14.0%) | +1.81% |
| 45歲 | HK$10,129 | HK$10,129 | HK$11,547 (+14.0%) | +1.82% |
| 50歲 | HK$12,674 | HK$12,674 | HK$14,448 (+14.0%) | +1.82% |
| 55歲 | HK$17,609 | HK$17,609 | HK$20,074 (+14.0%) | +1.82% |
| 60歲 | HK$23,359 | HK$23,359 | HK$26,629 (+14.0%) | +1.82% |
| 65歲 | HK$30,940 | HK$30,940 | HK$35,272 (+14.0%) | +1.82% |
| 70歲 | HK$39,211 | HK$39,211 | HK$44,701 (+14.0%) | +1.82% |
| 75歲 | HK$44,244 | HK$44,244 | HK$50,438 (+14.0%) | +1.82% |
| 80歲 | HK$55,873 | HK$55,873 | HK$63,695 (+14.0%) | +1.82% |
| 85歲 | HK$63,023 | HK$63,023 | HK$71,846 (+14.0%) | +1.82% |
| 90歲 | HK$67,997 | HK$67,997 | HK$77,517 (+14.0%) | +1.82% |
| 95歲 | HK$70,532 | HK$70,532 | HK$80,406 (+14.0%) | +1.82% |
| 99歲 | HK$72,142 | HK$72,142 | HK$82,242 (+14.0%) | +1.82% |
| 所有年齡平均 | — | 0.0% | +14.0% | — |
0歲HK$12,200
5歲HK$12,200
10歲HK$4,600
15歲HK$4,600
20歲HK$4,340
25歲HK$5,702
30歲HK$6,717
35歲HK$7,616
40歲HK$8,496
45歲HK$10,129
50歲HK$12,674
55歲HK$17,609
60歲HK$23,359
65歲HK$30,940
70歲HK$39,211
75歲HK$44,244
80歲HK$55,873
85歲HK$63,023
90歲HK$67,997
95歲HK$70,532
99歲HK$72,142
0歲HK$12,200
5歲HK$12,200
10歲HK$4,600
15歲HK$4,600
20歲HK$4,340
25歲HK$5,702
30歲HK$6,717
35歲HK$7,616
40歲HK$8,496
45歲HK$10,129
50歲HK$12,674
55歲HK$17,609
60歲HK$23,359
65歲HK$30,940
70歲HK$39,211
75歲HK$44,244
80歲HK$55,873
85歲HK$63,023
90歲HK$67,997
95歲HK$70,532
99歲HK$72,142
0歲HK$13,908 (+14.0%)
5歲HK$13,908 (+14.0%)
10歲HK$5,244 (+14.0%)
15歲HK$5,244 (+14.0%)
20歲HK$4,948 (+14.0%)
25歲HK$6,500 (+14.0%)
30歲HK$7,657 (+14.0%)
35歲HK$8,682 (+14.0%)
40歲HK$9,685 (+14.0%)
45歲HK$11,547 (+14.0%)
50歲HK$14,448 (+14.0%)
55歲HK$20,074 (+14.0%)
60歲HK$26,629 (+14.0%)
65歲HK$35,272 (+14.0%)
70歲HK$44,701 (+14.0%)
75歲HK$50,438 (+14.0%)
80歲HK$63,695 (+14.0%)
85歲HK$71,846 (+14.0%)
90歲HK$77,517 (+14.0%)
95歲HK$80,406 (+14.0%)
99歲HK$82,242 (+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+1.82%
25歲+1.81%
30歲+1.81%
35歲+1.82%
40歲+1.81%
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。