← 返回 信諾環球保險有限公司 計劃系列
信諾自願醫保系列－靈活計劃（優越） - 半私家病房 - 25,000 港元自付費
Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD25,000 Deductible
信諾環球保險有限公司 · F00016-03-000 · 8 個版本 · 靈活計劃 · 年均加幅 +4.70%
| 年齡 | F00016-03-000-01 2019-04-01 | F00016-03-000-02 2021-03-24 | F00016-03-000-03 2022-01-27 | F00016-03-000-03 2022-04-01 | F00016-03-000-04 2023-07-01 | F00016-03-000-04 2024-07-01 | F00016-03-000-05 2025-07-01 | F00016-03-000-06 2026-07-01 | 年均加幅 |
|---|---|---|---|---|---|---|---|---|---|
| 0 | HK$5,596 | HK$5,596 | HK$5,596 | HK$5,988 (+7.0%) | HK$6,018 (+0.5%) | HK$6,319 (+5.0%) | HK$6,869 (+8.7%) | HK$7,392 (+7.6%) | +3.89% |
| 5 | HK$4,371 | HK$4,371 | HK$4,371 | HK$4,677 (+7.0%) | HK$4,700 (+0.5%) | HK$4,935 (+5.0%) | HK$5,280 (+7.0%) | HK$5,662 (+7.2%) | +3.61% |
| 10 | HK$3,838 | HK$3,838 | HK$3,838 | HK$4,107 (+7.0%) | HK$4,128 (+0.5%) | HK$4,334 (+5.0%) | HK$4,557 (+5.1%) | HK$4,871 (+6.9%) | +3.32% |
| 15 | HK$3,305 | HK$3,305 | HK$3,305 | HK$3,536 (+7.0%) | HK$3,554 (+0.5%) | HK$3,732 (+5.0%) | HK$3,930 (+5.3%) | HK$4,199 (+6.8%) | +3.34% |
| 20 | HK$3,657 | HK$3,657 | HK$3,657 | HK$3,913 (+7.0%) | HK$3,952 (+1.0%) | HK$4,014 (+1.6%) | HK$4,270 (+6.4%) | HK$4,563 (+6.9%) | +3.08% |
| 25 | HK$4,151 | HK$4,151 | HK$4,151 | HK$4,442 (+7.0%) | HK$4,509 (+1.5%) | HK$4,645 (+3.0%) | HK$5,011 (+7.9%) | HK$5,358 (+6.9%) | +3.56% |
| 30 | HK$4,713 | HK$4,713 | HK$4,713 | HK$5,043 (+7.0%) | HK$5,194 (+3.0%) | HK$5,347 (+2.9%) | HK$5,837 (+9.2%) | HK$6,039 (+3.5%) | +3.46% |
| 35 | HK$5,350 | HK$5,350 | HK$5,350 | HK$5,725 (+7.0%) | HK$5,897 (+3.0%) | HK$5,998 (+1.7%) | HK$6,568 (+9.5%) | HK$6,844 (+4.2%) | +3.43% |
| 40 | HK$6,099 | HK$6,099 | HK$6,099 | HK$6,526 (+7.0%) | HK$6,676 (+2.3%) | HK$6,676 | HK$7,310 (+9.5%) | HK$7,686 (+5.1%) | +3.22% |
| 45 | HK$7,523 | HK$7,523 | HK$7,523 | HK$8,050 (+7.0%) | HK$8,292 (+3.0%) | HK$8,292 | HK$9,080 (+9.5%) | HK$9,769 (+7.6%) | +3.65% |
| 50 | HK$9,315 | HK$9,315 | HK$9,315 | HK$9,967 (+7.0%) | HK$10,366 (+4.0%) | HK$10,366 | HK$11,460 (+10.6%) | HK$12,413 (+8.3%) | +4.01% |
| 55 | HK$11,832 | HK$11,832 | HK$11,832 | HK$12,660 (+7.0%) | HK$13,458 (+6.3%) | HK$13,458 | HK$14,856 (+10.4%) | HK$16,009 (+7.8%) | +4.23% |
| 60 | HK$15,029 | HK$15,029 | HK$15,029 | HK$16,081 (+7.0%) | HK$17,657 (+9.8%) | HK$17,657 | HK$19,455 (+10.2%) | HK$20,911 (+7.5%) | +4.63% |
| 65 | HK$19,089 | HK$19,089 | HK$19,089 | HK$20,425 (+7.0%) | HK$23,182 (+13.5%) | HK$27,818 (+20.0%) | HK$30,485 (+9.6%) | HK$32,576 (+6.9%) | +7.60% |
| 70 | HK$24,247 | HK$24,247 | HK$24,247 | HK$25,944 (+7.0%) | HK$29,446 (+13.5%) | HK$35,335 (+20.0%) | HK$38,778 (+9.7%) | HK$41,459 (+6.9%) | +7.63% |
| 75 | HK$30,798 | HK$30,798 | HK$30,798 | HK$32,954 (+7.0%) | HK$37,403 (+13.5%) | HK$44,884 (+20.0%) | HK$49,488 (+10.3%) | HK$53,049 (+7.2%) | +7.74% |
| 80 | HK$39,120 | HK$39,120 | HK$39,120 | HK$41,858 (+7.0%) | HK$47,226 (+12.8%) | HK$56,671 (+20.0%) | HK$62,570 (+10.4%) | HK$67,061 (+7.2%) | +7.67% |
| 85 | HK$48,518 | HK$48,518 | HK$48,518 | HK$51,914 (+7.0%) | HK$56,820 (+9.5%) | HK$65,359 (+15.0%) | HK$72,216 (+10.5%) | HK$77,386 (+7.2%) | +6.61% |
| 90 | HK$60,174 | HK$60,174 | HK$60,174 | HK$64,386 (+7.0%) | HK$68,297 (+6.1%) | HK$72,929 (+6.8%) | HK$80,222 (+10.0%) | HK$85,999 (+7.2%) | +5.02% |
| 95 | HK$74,630 | HK$74,630 | HK$74,630 | HK$79,854 (+7.0%) | HK$82,010 (+2.7%) | HK$86,111 (+5.0%) | HK$93,947 (+9.1%) | HK$100,581 (+7.1%) | +4.17% |
| 99 | HK$88,658 | HK$88,658 | HK$88,658 | HK$94,864 (+7.0%) | HK$94,864 | HK$99,607 (+5.0%) | HK$107,922 (+8.3%) | HK$115,425 (+7.0%) | +3.68% |
| 所有年齡平均 | — | 0.0% | 0.0% | +7.0% | +5.1% | +6.7% | +8.9% | +6.8% | — |
0歲HK$5,596
5歲HK$4,371
10歲HK$3,838
15歲HK$3,305
20歲HK$3,657
25歲HK$4,151
30歲HK$4,713
35歲HK$5,350
40歲HK$6,099
45歲HK$7,523
50歲HK$9,315
55歲HK$11,832
60歲HK$15,029
65歲HK$19,089
70歲HK$24,247
75歲HK$30,798
80歲HK$39,120
85歲HK$48,518
90歲HK$60,174
95歲HK$74,630
99歲HK$88,658
0歲HK$5,596
5歲HK$4,371
10歲HK$3,838
15歲HK$3,305
20歲HK$3,657
25歲HK$4,151
30歲HK$4,713
35歲HK$5,350
40歲HK$6,099
45歲HK$7,523
50歲HK$9,315
55歲HK$11,832
60歲HK$15,029
65歲HK$19,089
70歲HK$24,247
75歲HK$30,798
80歲HK$39,120
85歲HK$48,518
90歲HK$60,174
95歲HK$74,630
99歲HK$88,658
0歲HK$5,596
5歲HK$4,371
10歲HK$3,838
15歲HK$3,305
20歲HK$3,657
25歲HK$4,151
30歲HK$4,713
35歲HK$5,350
40歲HK$6,099
45歲HK$7,523
50歲HK$9,315
55歲HK$11,832
60歲HK$15,029
65歲HK$19,089
70歲HK$24,247
75歲HK$30,798
80歲HK$39,120
85歲HK$48,518
90歲HK$60,174
95歲HK$74,630
99歲HK$88,658
0歲HK$5,988 (+7.0%)
5歲HK$4,677 (+7.0%)
10歲HK$4,107 (+7.0%)
15歲HK$3,536 (+7.0%)
20歲HK$3,913 (+7.0%)
25歲HK$4,442 (+7.0%)
30歲HK$5,043 (+7.0%)
35歲HK$5,725 (+7.0%)
40歲HK$6,526 (+7.0%)
45歲HK$8,050 (+7.0%)
50歲HK$9,967 (+7.0%)
55歲HK$12,660 (+7.0%)
60歲HK$16,081 (+7.0%)
65歲HK$20,425 (+7.0%)
70歲HK$25,944 (+7.0%)
75歲HK$32,954 (+7.0%)
80歲HK$41,858 (+7.0%)
85歲HK$51,914 (+7.0%)
90歲HK$64,386 (+7.0%)
95歲HK$79,854 (+7.0%)
99歲HK$94,864 (+7.0%)
0歲HK$6,018 (+0.5%)
5歲HK$4,700 (+0.5%)
10歲HK$4,128 (+0.5%)
15歲HK$3,554 (+0.5%)
20歲HK$3,952 (+1.0%)
25歲HK$4,509 (+1.5%)
30歲HK$5,194 (+3.0%)
35歲HK$5,897 (+3.0%)
40歲HK$6,676 (+2.3%)
45歲HK$8,292 (+3.0%)
50歲HK$10,366 (+4.0%)
55歲HK$13,458 (+6.3%)
60歲HK$17,657 (+9.8%)
65歲HK$23,182 (+13.5%)
70歲HK$29,446 (+13.5%)
75歲HK$37,403 (+13.5%)
80歲HK$47,226 (+12.8%)
85歲HK$56,820 (+9.5%)
90歲HK$68,297 (+6.1%)
95歲HK$82,010 (+2.7%)
99歲HK$94,864
0歲HK$6,319 (+5.0%)
5歲HK$4,935 (+5.0%)
10歲HK$4,334 (+5.0%)
15歲HK$3,732 (+5.0%)
20歲HK$4,014 (+1.6%)
25歲HK$4,645 (+3.0%)
30歲HK$5,347 (+2.9%)
35歲HK$5,998 (+1.7%)
40歲HK$6,676
45歲HK$8,292
50歲HK$10,366
55歲HK$13,458
60歲HK$17,657
65歲HK$27,818 (+20.0%)
70歲HK$35,335 (+20.0%)
75歲HK$44,884 (+20.0%)
80歲HK$56,671 (+20.0%)
85歲HK$65,359 (+15.0%)
90歲HK$72,929 (+6.8%)
95歲HK$86,111 (+5.0%)
99歲HK$99,607 (+5.0%)
0歲HK$6,869 (+8.7%)
5歲HK$5,280 (+7.0%)
10歲HK$4,557 (+5.1%)
15歲HK$3,930 (+5.3%)
20歲HK$4,270 (+6.4%)
25歲HK$5,011 (+7.9%)
30歲HK$5,837 (+9.2%)
35歲HK$6,568 (+9.5%)
40歲HK$7,310 (+9.5%)
45歲HK$9,080 (+9.5%)
50歲HK$11,460 (+10.6%)
55歲HK$14,856 (+10.4%)
60歲HK$19,455 (+10.2%)
65歲HK$30,485 (+9.6%)
70歲HK$38,778 (+9.7%)
75歲HK$49,488 (+10.3%)
80歲HK$62,570 (+10.4%)
85歲HK$72,216 (+10.5%)
90歲HK$80,222 (+10.0%)
95歲HK$93,947 (+9.1%)
99歲HK$107,922 (+8.3%)
0歲HK$7,392 (+7.6%)
5歲HK$5,662 (+7.2%)
10歲HK$4,871 (+6.9%)
15歲HK$4,199 (+6.8%)
20歲HK$4,563 (+6.9%)
25歲HK$5,358 (+6.9%)
30歲HK$6,039 (+3.5%)
35歲HK$6,844 (+4.2%)
40歲HK$7,686 (+5.1%)
45歲HK$9,769 (+7.6%)
50歲HK$12,413 (+8.3%)
55歲HK$16,009 (+7.8%)
60歲HK$20,911 (+7.5%)
65歲HK$32,576 (+6.9%)
70歲HK$41,459 (+6.9%)
75歲HK$53,049 (+7.2%)
80歲HK$67,061 (+7.2%)
85歲HK$77,386 (+7.2%)
90歲HK$85,999 (+7.2%)
95歲HK$100,581 (+7.1%)
99歲HK$115,425 (+7.0%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-07-18
0歲+3.89%
5歲+3.61%
10歲+3.32%
15歲+3.34%
20歲+3.08%
25歲+3.56%
30歲+3.46%
35歲+3.43%
40歲+3.22%
45歲+3.65%
50歲+4.01%
55歲+4.23%
60歲+4.63%
65歲+7.60%
70歲+7.63%
75歲+7.74%
80歲+7.67%
85歲+6.61%
90歲+5.02%
95歲+4.17%
99歲+3.68%
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。· 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。