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「只衛您」超卓靈活自願醫保計劃 - 計劃A
CareForYou Super Flexi Plan for VHIS - Plan A
藍十字（亞太）保險有限公司 · F00043-01-000 · 7 个版本 · 灵活计划 · 年均加幅 +8.18%
男 Male
| 年龄 | F00043-01-000-01 2020-02-28 | F00043-01-000-02 2021-04-01 | F00043-01-000-02 2022-01-01 | F00043-01-000-02 2023-01-01 | F00043-01-000-02 2024-01-01 | F00043-01-000-02 2025-01-01 | F00043-01-000-02 2026-01-01 | 年均加幅 |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$8,394 | HK$8,394 | HK$8,814 (+5.0%) | HK$9,520 (+8.0%) | HK$10,758 (+13.0%) | HK$12,103 (+12.5%) | HK$13,193 (+9.0%) | +7.57% |
| 5 | HK$7,936 | HK$7,936 | HK$8,333 (+5.0%) | HK$9,000 (+8.0%) | HK$10,170 (+13.0%) | HK$11,442 (+12.5%) | HK$12,472 (+9.0%) | +7.57% |
| 10 | HK$7,379 | HK$7,379 | HK$7,748 (+5.0%) | HK$8,368 (+8.0%) | HK$9,456 (+13.0%) | HK$10,638 (+12.5%) | HK$11,596 (+9.0%) | +7.56% |
| 15 | HK$7,379 | HK$7,379 | HK$7,748 (+5.0%) | HK$8,368 (+8.0%) | HK$9,456 (+13.0%) | HK$10,638 (+12.5%) | HK$11,596 (+9.0%) | +7.56% |
| 20 | HK$9,172 | HK$9,172 | HK$9,631 (+5.0%) | HK$10,402 (+8.0%) | HK$11,755 (+13.0%) | HK$13,225 (+12.5%) | HK$14,416 (+9.0%) | +7.57% |
| 25 | HK$9,172 | HK$9,172 | HK$9,631 (+5.0%) | HK$10,402 (+8.0%) | HK$11,755 (+13.0%) | HK$13,225 (+12.5%) | HK$14,416 (+9.0%) | +7.57% |
| 30 | HK$9,713 | HK$9,713 | HK$10,199 (+5.0%) | HK$11,015 (+8.0%) | HK$12,447 (+13.0%) | HK$14,003 (+12.5%) | HK$15,264 (+9.0%) | +7.57% |
| 35 | HK$13,232 | HK$13,232 | HK$13,894 (+5.0%) | HK$15,006 (+8.0%) | HK$16,957 (+13.0%) | HK$19,077 (+12.5%) | HK$20,794 (+9.0%) | +7.57% |
| 40 | HK$13,891 | HK$13,891 | HK$14,586 (+5.0%) | HK$15,753 (+8.0%) | HK$17,801 (+13.0%) | HK$20,027 (+12.5%) | HK$21,830 (+9.0%) | +7.57% |
| 45 | HK$16,034 | HK$16,034 | HK$16,836 (+5.0%) | HK$18,183 (+8.0%) | HK$20,547 (+13.0%) | HK$23,116 (+12.5%) | HK$25,197 (+9.0%) | +7.56% |
| 50 | HK$20,351 | HK$20,351 | HK$21,369 (+5.0%) | HK$23,079 (+8.0%) | HK$26,080 (+13.0%) | HK$29,340 (+12.5%) | HK$31,981 (+9.0%) | +7.56% |
| 55 | HK$25,811 | HK$25,811 | HK$27,102 (+5.0%) | HK$29,271 (+8.0%) | HK$33,077 (+13.0%) | HK$37,212 (+12.5%) | HK$40,562 (+9.0%) | +7.57% |
| 60 | HK$35,871 | HK$35,871 | HK$37,665 (+5.0%) | HK$40,679 (+8.0%) | HK$45,968 (+13.0%) | HK$51,714 (+12.5%) | HK$56,369 (+9.0%) | +7.56% |
| 65 | HK$41,526 | HK$41,526 | HK$43,603 (+5.0%) | HK$47,092 (+8.0%) | HK$53,214 (+13.0%) | HK$59,866 (+12.5%) | HK$65,254 (+9.0%) | +7.56% |
| 70 | HK$53,986 | HK$53,986 | HK$56,686 (+5.0%) | HK$61,221 (+8.0%) | HK$69,180 (+13.0%) | HK$77,828 (+12.5%) | HK$84,833 (+9.0%) | +7.56% |
| 75 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$94,086 (+12.5%) | HK$102,554 (+9.0%) | +7.56% |
| 80 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$98,887 (+18.2%) | HK$107,787 (+9.0%) | +8.43% |
| 85 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$103,931 (+24.3%) | HK$113,285 (+9.0%) | +9.30% |
| 90 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$109,233 (+30.6%) | HK$119,064 (+9.0%) | +10.19% |
| 95 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$114,806 (+37.3%) | HK$125,139 (+9.0%) | +11.07% |
| 99 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$120,662 (+44.3%) | HK$131,522 (+9.0%) | +11.97% |
| 所有年龄平均 | — | 0.0% | +5.0% | +8.0% | +13.0% | +16.9% | +9.0% | — |
0岁HK$8,394
5岁HK$7,936
10岁HK$7,379
15岁HK$7,379
20岁HK$9,172
25岁HK$9,172
30岁HK$9,713
35岁HK$13,232
40岁HK$13,891
45岁HK$16,034
50岁HK$20,351
55岁HK$25,811
60岁HK$35,871
65岁HK$41,526
70岁HK$53,986
75岁HK$65,263
80岁HK$65,263
85岁HK$65,263
90岁HK$65,263
95岁HK$65,263
99岁HK$65,263
0岁HK$8,394
5岁HK$7,936
10岁HK$7,379
15岁HK$7,379
20岁HK$9,172
25岁HK$9,172
30岁HK$9,713
35岁HK$13,232
40岁HK$13,891
45岁HK$16,034
50岁HK$20,351
55岁HK$25,811
60岁HK$35,871
65岁HK$41,526
70岁HK$53,986
75岁HK$65,263
80岁HK$65,263
85岁HK$65,263
90岁HK$65,263
95岁HK$65,263
99岁HK$65,263
0岁HK$8,814 (+5.0%)
5岁HK$8,333 (+5.0%)
10岁HK$7,748 (+5.0%)
15岁HK$7,748 (+5.0%)
20岁HK$9,631 (+5.0%)
25岁HK$9,631 (+5.0%)
30岁HK$10,199 (+5.0%)
35岁HK$13,894 (+5.0%)
40岁HK$14,586 (+5.0%)
45岁HK$16,836 (+5.0%)
50岁HK$21,369 (+5.0%)
55岁HK$27,102 (+5.0%)
60岁HK$37,665 (+5.0%)
65岁HK$43,603 (+5.0%)
70岁HK$56,686 (+5.0%)
75岁HK$68,527 (+5.0%)
80岁HK$68,527 (+5.0%)
85岁HK$68,527 (+5.0%)
90岁HK$68,527 (+5.0%)
95岁HK$68,527 (+5.0%)
99岁HK$68,527 (+5.0%)
0岁HK$9,520 (+8.0%)
5岁HK$9,000 (+8.0%)
10岁HK$8,368 (+8.0%)
15岁HK$8,368 (+8.0%)
20岁HK$10,402 (+8.0%)
25岁HK$10,402 (+8.0%)
30岁HK$11,015 (+8.0%)
35岁HK$15,006 (+8.0%)
40岁HK$15,753 (+8.0%)
45岁HK$18,183 (+8.0%)
50岁HK$23,079 (+8.0%)
55岁HK$29,271 (+8.0%)
60岁HK$40,679 (+8.0%)
65岁HK$47,092 (+8.0%)
70岁HK$61,221 (+8.0%)
75岁HK$74,010 (+8.0%)
80岁HK$74,010 (+8.0%)
85岁HK$74,010 (+8.0%)
90岁HK$74,010 (+8.0%)
95岁HK$74,010 (+8.0%)
99岁HK$74,010 (+8.0%)
0岁HK$10,758 (+13.0%)
5岁HK$10,170 (+13.0%)
10岁HK$9,456 (+13.0%)
15岁HK$9,456 (+13.0%)
20岁HK$11,755 (+13.0%)
25岁HK$11,755 (+13.0%)
30岁HK$12,447 (+13.0%)
35岁HK$16,957 (+13.0%)
40岁HK$17,801 (+13.0%)
45岁HK$20,547 (+13.0%)
50岁HK$26,080 (+13.0%)
55岁HK$33,077 (+13.0%)
60岁HK$45,968 (+13.0%)
65岁HK$53,214 (+13.0%)
70岁HK$69,180 (+13.0%)
75岁HK$83,632 (+13.0%)
80岁HK$83,632 (+13.0%)
85岁HK$83,632 (+13.0%)
90岁HK$83,632 (+13.0%)
95岁HK$83,632 (+13.0%)
99岁HK$83,632 (+13.0%)
0岁HK$12,103 (+12.5%)
5岁HK$11,442 (+12.5%)
10岁HK$10,638 (+12.5%)
15岁HK$10,638 (+12.5%)
20岁HK$13,225 (+12.5%)
25岁HK$13,225 (+12.5%)
30岁HK$14,003 (+12.5%)
35岁HK$19,077 (+12.5%)
40岁HK$20,027 (+12.5%)
45岁HK$23,116 (+12.5%)
50岁HK$29,340 (+12.5%)
55岁HK$37,212 (+12.5%)
60岁HK$51,714 (+12.5%)
65岁HK$59,866 (+12.5%)
70岁HK$77,828 (+12.5%)
75岁HK$94,086 (+12.5%)
80岁HK$98,887 (+18.2%)
85岁HK$103,931 (+24.3%)
90岁HK$109,233 (+30.6%)
95岁HK$114,806 (+37.3%)
99岁HK$120,662 (+44.3%)
0岁HK$13,193 (+9.0%)
5岁HK$12,472 (+9.0%)
10岁HK$11,596 (+9.0%)
15岁HK$11,596 (+9.0%)
20岁HK$14,416 (+9.0%)
25岁HK$14,416 (+9.0%)
30岁HK$15,264 (+9.0%)
35岁HK$20,794 (+9.0%)
40岁HK$21,830 (+9.0%)
45岁HK$25,197 (+9.0%)
50岁HK$31,981 (+9.0%)
55岁HK$40,562 (+9.0%)
60岁HK$56,369 (+9.0%)
65岁HK$65,254 (+9.0%)
70岁HK$84,833 (+9.0%)
75岁HK$102,554 (+9.0%)
80岁HK$107,787 (+9.0%)
85岁HK$113,285 (+9.0%)
90岁HK$119,064 (+9.0%)
95岁HK$125,139 (+9.0%)
99岁HK$131,522 (+9.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-06-11
0岁+7.57%
5岁+7.57%
10岁+7.56%
15岁+7.56%
20岁+7.57%
25岁+7.57%
30岁+7.57%
35岁+7.57%
40岁+7.57%
45岁+7.56%
50岁+7.56%
55岁+7.57%
60岁+7.56%
65岁+7.56%
70岁+7.56%
75岁+7.56%
80岁+8.43%
85岁+9.30%
90岁+10.19%
95岁+11.07%
99岁+11.97%
格子显示保费金额，括号内为相对上一个版本的百分比变化。首个版本只显示基准保费。年均加幅使用复息公式（最新/最早 ^ (1/years) − 1），年期＝今日减最早版本日期。· 计算至 2026-06-11
默认显示 21 个锚点年龄（每 5 岁一格，加上 0 与 99 两端），方便快速浏览整条走势曲线。 右侧「年均加幅」列无论切换与否，均基于全部 100 个年龄计算 — 不会因显示密度而改变。
女 Female
| 年龄 | F00043-01-000-01 2020-02-28 | F00043-01-000-02 2021-04-01 | F00043-01-000-02 2022-01-01 | F00043-01-000-02 2023-01-01 | F00043-01-000-02 2024-01-01 | F00043-01-000-02 2025-01-01 | F00043-01-000-02 2026-01-01 | 年均加幅 |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$8,394 | HK$8,394 | HK$8,814 (+5.0%) | HK$9,520 (+8.0%) | HK$10,758 (+13.0%) | HK$12,103 (+12.5%) | HK$13,193 (+9.0%) | +7.57% |
| 5 | HK$7,936 | HK$7,936 | HK$8,333 (+5.0%) | HK$9,000 (+8.0%) | HK$10,170 (+13.0%) | HK$11,442 (+12.5%) | HK$12,472 (+9.0%) | +7.57% |
| 10 | HK$7,379 | HK$7,379 | HK$7,748 (+5.0%) | HK$8,368 (+8.0%) | HK$9,456 (+13.0%) | HK$10,638 (+12.5%) | HK$11,596 (+9.0%) | +7.56% |
| 15 | HK$7,379 | HK$7,379 | HK$7,748 (+5.0%) | HK$8,368 (+8.0%) | HK$9,456 (+13.0%) | HK$10,638 (+12.5%) | HK$11,596 (+9.0%) | +7.56% |
| 20 | HK$9,689 | HK$9,689 | HK$10,174 (+5.0%) | HK$10,988 (+8.0%) | HK$12,417 (+13.0%) | HK$13,970 (+12.5%) | HK$15,228 (+9.0%) | +7.57% |
| 25 | HK$9,689 | HK$9,689 | HK$10,174 (+5.0%) | HK$10,988 (+8.0%) | HK$12,417 (+13.0%) | HK$13,970 (+12.5%) | HK$15,228 (+9.0%) | +7.57% |
| 30 | HK$10,224 | HK$10,224 | HK$10,736 (+5.0%) | HK$11,595 (+8.0%) | HK$13,103 (+13.0%) | HK$14,741 (+12.5%) | HK$16,068 (+9.0%) | +7.57% |
| 35 | HK$13,355 | HK$13,355 | HK$14,023 (+5.0%) | HK$15,145 (+8.0%) | HK$17,114 (+13.0%) | HK$19,254 (+12.5%) | HK$20,987 (+9.0%) | +7.56% |
| 40 | HK$14,290 | HK$14,290 | HK$15,005 (+5.0%) | HK$16,206 (+8.0%) | HK$18,313 (+13.0%) | HK$20,603 (+12.5%) | HK$22,458 (+9.0%) | +7.57% |
| 45 | HK$17,736 | HK$17,736 | HK$18,623 (+5.0%) | HK$20,113 (+8.0%) | HK$22,728 (+13.0%) | HK$25,569 (+12.5%) | HK$27,871 (+9.0%) | +7.56% |
| 50 | HK$22,516 | HK$22,516 | HK$23,642 (+5.0%) | HK$25,534 (+8.0%) | HK$28,854 (+13.0%) | HK$32,461 (+12.5%) | HK$35,383 (+9.0%) | +7.56% |
| 55 | HK$28,551 | HK$28,551 | HK$29,979 (+5.0%) | HK$32,378 (+8.0%) | HK$36,588 (+13.0%) | HK$41,162 (+12.5%) | HK$44,867 (+9.0%) | +7.56% |
| 60 | HK$35,871 | HK$35,871 | HK$37,665 (+5.0%) | HK$40,679 (+8.0%) | HK$45,968 (+13.0%) | HK$51,714 (+12.5%) | HK$56,369 (+9.0%) | +7.56% |
| 65 | HK$41,526 | HK$41,526 | HK$43,603 (+5.0%) | HK$47,092 (+8.0%) | HK$53,214 (+13.0%) | HK$59,866 (+12.5%) | HK$65,254 (+9.0%) | +7.56% |
| 70 | HK$53,986 | HK$53,986 | HK$56,686 (+5.0%) | HK$61,221 (+8.0%) | HK$69,180 (+13.0%) | HK$77,828 (+12.5%) | HK$84,833 (+9.0%) | +7.56% |
| 75 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$94,086 (+12.5%) | HK$102,554 (+9.0%) | +7.56% |
| 80 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$98,887 (+18.2%) | HK$107,787 (+9.0%) | +8.43% |
| 85 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$103,931 (+24.3%) | HK$113,285 (+9.0%) | +9.30% |
| 90 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$109,233 (+30.6%) | HK$119,064 (+9.0%) | +10.19% |
| 95 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$114,806 (+37.3%) | HK$125,139 (+9.0%) | +11.07% |
| 99 | HK$65,263 | HK$65,263 | HK$68,527 (+5.0%) | HK$74,010 (+8.0%) | HK$83,632 (+13.0%) | HK$120,662 (+44.3%) | HK$131,522 (+9.0%) | +11.97% |
| 所有年龄平均 | — | 0.0% | +5.0% | +8.0% | +13.0% | +16.9% | +9.0% | — |
0岁HK$8,394
5岁HK$7,936
10岁HK$7,379
15岁HK$7,379
20岁HK$9,689
25岁HK$9,689
30岁HK$10,224
35岁HK$13,355
40岁HK$14,290
45岁HK$17,736
50岁HK$22,516
55岁HK$28,551
60岁HK$35,871
65岁HK$41,526
70岁HK$53,986
75岁HK$65,263
80岁HK$65,263
85岁HK$65,263
90岁HK$65,263
95岁HK$65,263
99岁HK$65,263
0岁HK$8,394
5岁HK$7,936
10岁HK$7,379
15岁HK$7,379
20岁HK$9,689
25岁HK$9,689
30岁HK$10,224
35岁HK$13,355
40岁HK$14,290
45岁HK$17,736
50岁HK$22,516
55岁HK$28,551
60岁HK$35,871
65岁HK$41,526
70岁HK$53,986
75岁HK$65,263
80岁HK$65,263
85岁HK$65,263
90岁HK$65,263
95岁HK$65,263
99岁HK$65,263
0岁HK$8,814 (+5.0%)
5岁HK$8,333 (+5.0%)
10岁HK$7,748 (+5.0%)
15岁HK$7,748 (+5.0%)
20岁HK$10,174 (+5.0%)
25岁HK$10,174 (+5.0%)
30岁HK$10,736 (+5.0%)
35岁HK$14,023 (+5.0%)
40岁HK$15,005 (+5.0%)
45岁HK$18,623 (+5.0%)
50岁HK$23,642 (+5.0%)
55岁HK$29,979 (+5.0%)
60岁HK$37,665 (+5.0%)
65岁HK$43,603 (+5.0%)
70岁HK$56,686 (+5.0%)
75岁HK$68,527 (+5.0%)
80岁HK$68,527 (+5.0%)
85岁HK$68,527 (+5.0%)
90岁HK$68,527 (+5.0%)
95岁HK$68,527 (+5.0%)
99岁HK$68,527 (+5.0%)
0岁HK$9,520 (+8.0%)
5岁HK$9,000 (+8.0%)
10岁HK$8,368 (+8.0%)
15岁HK$8,368 (+8.0%)
20岁HK$10,988 (+8.0%)
25岁HK$10,988 (+8.0%)
30岁HK$11,595 (+8.0%)
35岁HK$15,145 (+8.0%)
40岁HK$16,206 (+8.0%)
45岁HK$20,113 (+8.0%)
50岁HK$25,534 (+8.0%)
55岁HK$32,378 (+8.0%)
60岁HK$40,679 (+8.0%)
65岁HK$47,092 (+8.0%)
70岁HK$61,221 (+8.0%)
75岁HK$74,010 (+8.0%)
80岁HK$74,010 (+8.0%)
85岁HK$74,010 (+8.0%)
90岁HK$74,010 (+8.0%)
95岁HK$74,010 (+8.0%)
99岁HK$74,010 (+8.0%)
0岁HK$10,758 (+13.0%)
5岁HK$10,170 (+13.0%)
10岁HK$9,456 (+13.0%)
15岁HK$9,456 (+13.0%)
20岁HK$12,417 (+13.0%)
25岁HK$12,417 (+13.0%)
30岁HK$13,103 (+13.0%)
35岁HK$17,114 (+13.0%)
40岁HK$18,313 (+13.0%)
45岁HK$22,728 (+13.0%)
50岁HK$28,854 (+13.0%)
55岁HK$36,588 (+13.0%)
60岁HK$45,968 (+13.0%)
65岁HK$53,214 (+13.0%)
70岁HK$69,180 (+13.0%)
75岁HK$83,632 (+13.0%)
80岁HK$83,632 (+13.0%)
85岁HK$83,632 (+13.0%)
90岁HK$83,632 (+13.0%)
95岁HK$83,632 (+13.0%)
99岁HK$83,632 (+13.0%)
0岁HK$12,103 (+12.5%)
5岁HK$11,442 (+12.5%)
10岁HK$10,638 (+12.5%)
15岁HK$10,638 (+12.5%)
20岁HK$13,970 (+12.5%)
25岁HK$13,970 (+12.5%)
30岁HK$14,741 (+12.5%)
35岁HK$19,254 (+12.5%)
40岁HK$20,603 (+12.5%)
45岁HK$25,569 (+12.5%)
50岁HK$32,461 (+12.5%)
55岁HK$41,162 (+12.5%)
60岁HK$51,714 (+12.5%)
65岁HK$59,866 (+12.5%)
70岁HK$77,828 (+12.5%)
75岁HK$94,086 (+12.5%)
80岁HK$98,887 (+18.2%)
85岁HK$103,931 (+24.3%)
90岁HK$109,233 (+30.6%)
95岁HK$114,806 (+37.3%)
99岁HK$120,662 (+44.3%)
0岁HK$13,193 (+9.0%)
5岁HK$12,472 (+9.0%)
10岁HK$11,596 (+9.0%)
15岁HK$11,596 (+9.0%)
20岁HK$15,228 (+9.0%)
25岁HK$15,228 (+9.0%)
30岁HK$16,068 (+9.0%)
35岁HK$20,987 (+9.0%)
40岁HK$22,458 (+9.0%)
45岁HK$27,871 (+9.0%)
50岁HK$35,383 (+9.0%)
55岁HK$44,867 (+9.0%)
60岁HK$56,369 (+9.0%)
65岁HK$65,254 (+9.0%)
70岁HK$84,833 (+9.0%)
75岁HK$102,554 (+9.0%)
80岁HK$107,787 (+9.0%)
85岁HK$113,285 (+9.0%)
90岁HK$119,064 (+9.0%)
95岁HK$125,139 (+9.0%)
99岁HK$131,522 (+9.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-06-11
0岁+7.57%
5岁+7.57%
10岁+7.56%
15岁+7.56%
20岁+7.57%
25岁+7.57%
30岁+7.57%
35岁+7.56%
40岁+7.57%
45岁+7.56%
50岁+7.56%
55岁+7.56%
60岁+7.56%
65岁+7.56%
70岁+7.56%
75岁+7.56%
80岁+8.43%
85岁+9.30%
90岁+10.19%
95岁+11.07%
99岁+11.97%
格子显示保费金额，括号内为相对上一个版本的百分比变化。首个版本只显示基准保费。年均加幅使用复息公式（最新/最早 ^ (1/years) − 1），年期＝今日减最早版本日期。· 计算至 2026-06-11
默认显示 21 个锚点年龄（每 5 岁一格，加上 0 与 99 两端），方便快速浏览整条走势曲线。 右侧「年均加幅」列无论切换与否，均基于全部 100 个年龄计算 — 不会因显示密度而改变。