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健康常伴醫療保險計劃
轴转Healthy Life Medical Insurance Plan
中國人壽保險（海外）股份有限公司 · F00024-01-000 · 3 个版本 · 灵活计划 · 年均加幅 +2.10%
数据注意事项 (1)
性别轴转家族 · 保费结构改变
此系列的保费结构由不分性别改为男女分开（涉及 100 个年龄层）。加幅数字反映结构改变的平均影响，单一性别的实际影响可能大幅偏离均数 — 需参考原 PDF 确认。
港元 (HKD)
| 年龄 | 2019-04-01 | 2021-04-01 | 最新版本 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0岁 | HK$4,500 | HK$4,500 | HK$5,130 (+14.0%) | +1.77% |
| 5岁 | HK$4,500 | HK$4,500 | HK$5,130 (+14.0%) | +1.77% |
| 10岁 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.77% |
| 15岁 | HK$1,850 | HK$1,850 | HK$2,109 (+14.0%) | +1.77% |
| 20岁 | HK$1,987 | HK$1,987 | HK$2,265 (+14.0%) | +1.77% |
| 25岁 | HK$2,497 | HK$2,497 | HK$2,847 (+14.0%) | +1.78% |
| 30岁 | HK$2,826 | HK$2,826 | HK$3,222 (+14.0%) | +1.77% |
| 35岁 | HK$3,234 | HK$3,234 | HK$3,687 (+14.0%) | +1.77% |
| 40岁 | HK$3,584 | HK$3,584 | HK$4,086 (+14.0%) | +1.77% |
| 45岁 | HK$4,268 | HK$4,268 | HK$4,866 (+14.0%) | +1.77% |
| 50岁 | HK$5,296 | HK$5,296 | HK$6,037 (+14.0%) | +1.77% |
| 55岁 | HK$7,274 | HK$7,274 | HK$8,292 (+14.0%) | +1.77% |
| 60岁 | HK$9,593 | HK$9,593 | HK$10,936 (+14.0%) | +1.77% |
| 65岁 | HK$12,800 | HK$12,800 | HK$14,592 (+14.0%) | +1.77% |
| 70岁 | HK$16,333 | HK$16,333 | HK$18,620 (+14.0%) | +1.77% |
| 75岁 | HK$18,260 | HK$18,260 | HK$20,816 (+14.0%) | +1.77% |
| 80岁 | HK$22,700 | HK$22,700 | HK$25,878 (+14.0%) | +1.77% |
| 85岁 | HK$25,548 | HK$25,548 | HK$29,125 (+14.0%) | +1.77% |
| 90岁 | HK$27,590 | HK$27,590 | HK$31,453 (+14.0%) | +1.77% |
| 95岁 | HK$29,336 | HK$29,336 | HK$33,443 (+14.0%) | +1.77% |
| 99岁 | HK$30,611 | HK$30,611 | HK$34,897 (+14.0%) | +1.77% |
| 所有年龄平均 | — | 0.0% | +14.0% | — |
0岁HK$4,500
5岁HK$4,500
10岁HK$1,850
15岁HK$1,850
20岁HK$1,987
25岁HK$2,497
30岁HK$2,826
35岁HK$3,234
40岁HK$3,584
45岁HK$4,268
50岁HK$5,296
55岁HK$7,274
60岁HK$9,593
65岁HK$12,800
70岁HK$16,333
75岁HK$18,260
80岁HK$22,700
85岁HK$25,548
90岁HK$27,590
95岁HK$29,336
99岁HK$30,611
0岁HK$4,500
5岁HK$4,500
10岁HK$1,850
15岁HK$1,850
20岁HK$1,987
25岁HK$2,497
30岁HK$2,826
35岁HK$3,234
40岁HK$3,584
45岁HK$4,268
50岁HK$5,296
55岁HK$7,274
60岁HK$9,593
65岁HK$12,800
70岁HK$16,333
75岁HK$18,260
80岁HK$22,700
85岁HK$25,548
90岁HK$27,590
95岁HK$29,336
99岁HK$30,611
0岁HK$5,130 (+14.0%)
5岁HK$5,130 (+14.0%)
10岁HK$2,109 (+14.0%)
15岁HK$2,109 (+14.0%)
20岁HK$2,265 (+14.0%)
25岁HK$2,847 (+14.0%)
30岁HK$3,222 (+14.0%)
35岁HK$3,687 (+14.0%)
40岁HK$4,086 (+14.0%)
45岁HK$4,866 (+14.0%)
50岁HK$6,037 (+14.0%)
55岁HK$8,292 (+14.0%)
60岁HK$10,936 (+14.0%)
65岁HK$14,592 (+14.0%)
70岁HK$18,620 (+14.0%)
75岁HK$20,816 (+14.0%)
80岁HK$25,878 (+14.0%)
85岁HK$29,125 (+14.0%)
90岁HK$31,453 (+14.0%)
95岁HK$33,443 (+14.0%)
99岁HK$34,897 (+14.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-09-15
0岁+1.77%
5岁+1.77%
10岁+1.77%
15岁+1.77%
20岁+1.77%
25岁+1.78%
30岁+1.77%
35岁+1.77%
40岁+1.77%
45岁+1.77%
50岁+1.77%
55岁+1.77%
60岁+1.77%
65岁+1.77%
70岁+1.77%
75岁+1.77%
80岁+1.77%
85岁+1.77%
90岁+1.77%
95岁+1.77%
99岁+1.77%
注・资料来源
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。男性／女性矩阵的年均加幅按该性别自身的保费轨迹计算；计划总览显示的年均加幅则为男女两者的平均值。· 计算至 2026-09-15
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。