← 返回 信諾環球保險有限公司 计划系列
信諾自願醫保系列－靈活計劃（優越） - 半私家病房 - 15,000 港元自付費
Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD15,000 Deductible
信諾環球保險有限公司 · F00016-02-000 · 7 个版本 · 灵活计划 · 年均加幅 +4.55%
| 年龄 | F00016-02-000-01 2019-04-01 | F00016-02-000-02 2021-03-24 | F00016-02-000-03 2022-01-27 | F00016-02-000-03 2022-04-01 | F00016-02-000-04 2023-07-01 | F00016-02-000-04 2024-07-01 | F00016-02-000-05 2025-07-01 | 年均加幅 |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$6,306 | HK$6,306 | HK$6,306 | HK$6,747 (+7.0%) | HK$6,848 (+1.5%) | HK$7,190 (+5.0%) | HK$7,915 (+10.1%) | +3.25% |
| 5 | HK$4,925 | HK$4,925 | HK$4,925 | HK$5,270 (+7.0%) | HK$5,349 (+1.5%) | HK$5,616 (+5.0%) | HK$6,075 (+8.2%) | +3.00% |
| 10 | HK$4,324 | HK$4,324 | HK$4,324 | HK$4,627 (+7.0%) | HK$4,696 (+1.5%) | HK$4,931 (+5.0%) | HK$5,284 (+7.2%) | +2.86% |
| 15 | HK$3,724 | HK$3,724 | HK$3,724 | HK$3,985 (+7.0%) | HK$4,045 (+1.5%) | HK$4,301 (+6.3%) | HK$4,609 (+7.2%) | +3.04% |
| 20 | HK$4,121 | HK$4,121 | HK$4,121 | HK$4,409 (+7.0%) | HK$4,497 (+2.0%) | HK$4,570 (+1.6%) | HK$4,915 (+7.5%) | +2.51% |
| 25 | HK$4,678 | HK$4,678 | HK$4,678 | HK$5,005 (+7.0%) | HK$5,130 (+2.5%) | HK$5,611 (+9.4%) | HK$6,125 (+9.2%) | +3.86% |
| 30 | HK$5,311 | HK$5,311 | HK$5,311 | HK$5,683 (+7.0%) | HK$5,910 (+4.0%) | HK$6,464 (+9.4%) | HK$7,146 (+10.6%) | +4.26% |
| 35 | HK$6,031 | HK$6,031 | HK$6,031 | HK$6,453 (+7.0%) | HK$6,711 (+4.0%) | HK$7,047 (+5.0%) | HK$7,852 (+11.4%) | +3.78% |
| 40 | HK$6,874 | HK$6,874 | HK$6,874 | HK$7,355 (+7.0%) | HK$7,598 (+3.3%) | HK$8,114 (+6.8%) | HK$9,048 (+11.5%) | +3.94% |
| 45 | HK$8,480 | HK$8,480 | HK$8,480 | HK$9,074 (+7.0%) | HK$9,437 (+4.0%) | HK$9,996 (+5.9%) | HK$11,137 (+11.4%) | +3.91% |
| 50 | HK$10,501 | HK$10,501 | HK$10,501 | HK$11,236 (+7.0%) | HK$11,798 (+5.0%) | HK$12,424 (+5.3%) | HK$13,910 (+12.0%) | +4.03% |
| 55 | HK$13,339 | HK$13,339 | HK$13,339 | HK$14,273 (+7.0%) | HK$15,315 (+7.3%) | HK$16,081 (+5.0%) | HK$17,968 (+11.7%) | +4.28% |
| 60 | HK$16,944 | HK$16,944 | HK$16,944 | HK$18,130 (+7.0%) | HK$20,088 (+10.8%) | HK$21,305 (+6.1%) | HK$23,729 (+11.4%) | +4.85% |
| 65 | HK$21,522 | HK$21,522 | HK$21,522 | HK$23,029 (+7.0%) | HK$26,368 (+14.5%) | HK$32,960 (+25.0%) | HK$36,415 (+10.5%) | +7.68% |
| 70 | HK$27,337 | HK$27,337 | HK$27,337 | HK$29,251 (+7.0%) | HK$33,492 (+14.5%) | HK$41,149 (+22.9%) | HK$45,573 (+10.8%) | +7.45% |
| 75 | HK$34,724 | HK$34,724 | HK$34,724 | HK$37,155 (+7.0%) | HK$42,542 (+14.5%) | HK$53,178 (+25.0%) | HK$59,290 (+11.5%) | +7.81% |
| 80 | HK$44,106 | HK$44,106 | HK$44,106 | HK$47,193 (+7.0%) | HK$53,717 (+13.8%) | HK$64,542 (+20.2%) | HK$72,269 (+12.0%) | +7.19% |
| 85 | HK$54,701 | HK$54,701 | HK$54,701 | HK$58,530 (+7.0%) | HK$64,646 (+10.4%) | HK$71,567 (+10.7%) | HK$80,443 (+12.4%) | +5.57% |
| 90 | HK$67,842 | HK$67,842 | HK$67,842 | HK$72,591 (+7.0%) | HK$77,727 (+7.1%) | HK$81,613 (+5.0%) | HK$90,906 (+11.4%) | +4.20% |
| 95 | HK$84,139 | HK$84,139 | HK$84,139 | HK$90,029 (+7.0%) | HK$93,360 (+3.7%) | HK$98,028 (+5.0%) | HK$107,963 (+10.1%) | +3.57% |
| 99 | HK$99,954 | HK$99,954 | HK$99,954 | HK$106,951 (+7.0%) | HK$108,021 (+1.0%) | HK$113,422 (+5.0%) | HK$123,951 (+9.3%) | +3.07% |
| 所有年龄平均 | — | 0.0% | 0.0% | +7.0% | +6.1% | +9.3% | +10.3% | — |
0岁HK$6,306
5岁HK$4,925
10岁HK$4,324
15岁HK$3,724
20岁HK$4,121
25岁HK$4,678
30岁HK$5,311
35岁HK$6,031
40岁HK$6,874
45岁HK$8,480
50岁HK$10,501
55岁HK$13,339
60岁HK$16,944
65岁HK$21,522
70岁HK$27,337
75岁HK$34,724
80岁HK$44,106
85岁HK$54,701
90岁HK$67,842
95岁HK$84,139
99岁HK$99,954
0岁HK$6,306
5岁HK$4,925
10岁HK$4,324
15岁HK$3,724
20岁HK$4,121
25岁HK$4,678
30岁HK$5,311
35岁HK$6,031
40岁HK$6,874
45岁HK$8,480
50岁HK$10,501
55岁HK$13,339
60岁HK$16,944
65岁HK$21,522
70岁HK$27,337
75岁HK$34,724
80岁HK$44,106
85岁HK$54,701
90岁HK$67,842
95岁HK$84,139
99岁HK$99,954
0岁HK$6,306
5岁HK$4,925
10岁HK$4,324
15岁HK$3,724
20岁HK$4,121
25岁HK$4,678
30岁HK$5,311
35岁HK$6,031
40岁HK$6,874
45岁HK$8,480
50岁HK$10,501
55岁HK$13,339
60岁HK$16,944
65岁HK$21,522
70岁HK$27,337
75岁HK$34,724
80岁HK$44,106
85岁HK$54,701
90岁HK$67,842
95岁HK$84,139
99岁HK$99,954
0岁HK$6,747 (+7.0%)
5岁HK$5,270 (+7.0%)
10岁HK$4,627 (+7.0%)
15岁HK$3,985 (+7.0%)
20岁HK$4,409 (+7.0%)
25岁HK$5,005 (+7.0%)
30岁HK$5,683 (+7.0%)
35岁HK$6,453 (+7.0%)
40岁HK$7,355 (+7.0%)
45岁HK$9,074 (+7.0%)
50岁HK$11,236 (+7.0%)
55岁HK$14,273 (+7.0%)
60岁HK$18,130 (+7.0%)
65岁HK$23,029 (+7.0%)
70岁HK$29,251 (+7.0%)
75岁HK$37,155 (+7.0%)
80岁HK$47,193 (+7.0%)
85岁HK$58,530 (+7.0%)
90岁HK$72,591 (+7.0%)
95岁HK$90,029 (+7.0%)
99岁HK$106,951 (+7.0%)
0岁HK$6,848 (+1.5%)
5岁HK$5,349 (+1.5%)
10岁HK$4,696 (+1.5%)
15岁HK$4,045 (+1.5%)
20岁HK$4,497 (+2.0%)
25岁HK$5,130 (+2.5%)
30岁HK$5,910 (+4.0%)
35岁HK$6,711 (+4.0%)
40岁HK$7,598 (+3.3%)
45岁HK$9,437 (+4.0%)
50岁HK$11,798 (+5.0%)
55岁HK$15,315 (+7.3%)
60岁HK$20,088 (+10.8%)
65岁HK$26,368 (+14.5%)
70岁HK$33,492 (+14.5%)
75岁HK$42,542 (+14.5%)
80岁HK$53,717 (+13.8%)
85岁HK$64,646 (+10.4%)
90岁HK$77,727 (+7.1%)
95岁HK$93,360 (+3.7%)
99岁HK$108,021 (+1.0%)
0岁HK$7,190 (+5.0%)
5岁HK$5,616 (+5.0%)
10岁HK$4,931 (+5.0%)
15岁HK$4,301 (+6.3%)
20岁HK$4,570 (+1.6%)
25岁HK$5,611 (+9.4%)
30岁HK$6,464 (+9.4%)
35岁HK$7,047 (+5.0%)
40岁HK$8,114 (+6.8%)
45岁HK$9,996 (+5.9%)
50岁HK$12,424 (+5.3%)
55岁HK$16,081 (+5.0%)
60岁HK$21,305 (+6.1%)
65岁HK$32,960 (+25.0%)
70岁HK$41,149 (+22.9%)
75岁HK$53,178 (+25.0%)
80岁HK$64,542 (+20.2%)
85岁HK$71,567 (+10.7%)
90岁HK$81,613 (+5.0%)
95岁HK$98,028 (+5.0%)
99岁HK$113,422 (+5.0%)
0岁HK$7,915 (+10.1%)
5岁HK$6,075 (+8.2%)
10岁HK$5,284 (+7.2%)
15岁HK$4,609 (+7.2%)
20岁HK$4,915 (+7.5%)
25岁HK$6,125 (+9.2%)
30岁HK$7,146 (+10.6%)
35岁HK$7,852 (+11.4%)
40岁HK$9,048 (+11.5%)
45岁HK$11,137 (+11.4%)
50岁HK$13,910 (+12.0%)
55岁HK$17,968 (+11.7%)
60岁HK$23,729 (+11.4%)
65岁HK$36,415 (+10.5%)
70岁HK$45,573 (+10.8%)
75岁HK$59,290 (+11.5%)
80岁HK$72,269 (+12.0%)
85岁HK$80,443 (+12.4%)
90岁HK$90,906 (+11.4%)
95岁HK$107,963 (+10.1%)
99岁HK$123,951 (+9.3%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-06-11
0岁+3.25%
5岁+3.00%
10岁+2.86%
15岁+3.04%
20岁+2.51%
25岁+3.86%
30岁+4.26%
35岁+3.78%
40岁+3.94%
45岁+3.91%
50岁+4.03%
55岁+4.28%
60岁+4.85%
65岁+7.68%
70岁+7.45%
75岁+7.81%
80岁+7.19%
85岁+5.57%
90岁+4.20%
95岁+3.57%
99岁+3.07%
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。