← 返回 中國人壽保險（海外）股份有限公司 计划系列
健康常伴優越醫療保險計劃 - 私家病房
Healthy Life Premier Medical Insurance Plan - Private
中國人壽保險（海外）股份有限公司 · F00030-02-000 · 3 个版本 · 灵活计划 · 年均加幅 +2.28%
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。
男 Male
| 年龄 | F00030-02-000-01 2019-06-03 | F00030-02-000-02 2021-04-01 | F00030-02-000-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$8,900 | HK$8,900 | HK$10,146 (+14.0%) | +1.28% |
| 5 | HK$8,900 | HK$8,900 | HK$10,146 (+14.0%) | +1.28% |
| 10 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 15 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 20 | HK$3,242 | HK$3,242 | HK$3,696 (+14.0%) | +3.63% |
| 25 | HK$4,212 | HK$4,212 | HK$4,802 (+14.0%) | +3.78% |
| 30 | HK$4,913 | HK$4,913 | HK$5,601 (+14.0%) | +3.94% |
| 35 | HK$5,587 | HK$5,587 | HK$6,369 (+14.0%) | +4.15% |
| 40 | HK$6,288 | HK$6,288 | HK$7,168 (+14.0%) | +4.31% |
| 45 | HK$7,580 | HK$7,580 | HK$8,641 (+14.0%) | +4.28% |
| 50 | HK$9,561 | HK$9,561 | HK$10,900 (+14.0%) | +3.82% |
| 55 | HK$13,264 | HK$13,264 | HK$15,121 (+14.0%) | +2.22% |
| 60 | HK$17,568 | HK$17,568 | HK$20,028 (+14.0%) | +1.36% |
| 65 | HK$23,349 | HK$23,349 | HK$26,618 (+14.0%) | +0.66% |
| 70 | HK$29,703 | HK$29,703 | HK$33,861 (+14.0%) | +0.50% |
| 75 | HK$33,237 | HK$33,237 | HK$37,890 (+14.0%) | +1.22% |
| 80 | HK$41,516 | HK$41,516 | HK$47,328 (+14.0%) | +1.19% |
| 85 | HK$46,801 | HK$46,801 | HK$53,353 (+14.0%) | +1.32% |
| 90 | HK$50,416 | HK$50,416 | HK$57,474 (+14.0%) | +1.46% |
| 95 | HK$52,433 | HK$52,433 | HK$59,774 (+14.0%) | +1.57% |
| 99 | HK$53,778 | HK$53,778 | HK$61,307 (+14.0%) | +1.68% |
| 所有年龄平均 | — | 0.0% | +14.0% | — |
0岁HK$8,900
5岁HK$8,900
10岁HK$3,400
15岁HK$3,400
20岁HK$3,242
25岁HK$4,212
30岁HK$4,913
35岁HK$5,587
40岁HK$6,288
45岁HK$7,580
50岁HK$9,561
55岁HK$13,264
60岁HK$17,568
65岁HK$23,349
70岁HK$29,703
75岁HK$33,237
80岁HK$41,516
85岁HK$46,801
90岁HK$50,416
95岁HK$52,433
99岁HK$53,778
0岁HK$8,900
5岁HK$8,900
10岁HK$3,400
15岁HK$3,400
20岁HK$3,242
25岁HK$4,212
30岁HK$4,913
35岁HK$5,587
40岁HK$6,288
45岁HK$7,580
50岁HK$9,561
55岁HK$13,264
60岁HK$17,568
65岁HK$23,349
70岁HK$29,703
75岁HK$33,237
80岁HK$41,516
85岁HK$46,801
90岁HK$50,416
95岁HK$52,433
99岁HK$53,778
0岁HK$10,146 (+14.0%)
5岁HK$10,146 (+14.0%)
10岁HK$3,876 (+14.0%)
15岁HK$3,876 (+14.0%)
20岁HK$3,696 (+14.0%)
25岁HK$4,802 (+14.0%)
30岁HK$5,601 (+14.0%)
35岁HK$6,369 (+14.0%)
40岁HK$7,168 (+14.0%)
45岁HK$8,641 (+14.0%)
50岁HK$10,900 (+14.0%)
55岁HK$15,121 (+14.0%)
60岁HK$20,028 (+14.0%)
65岁HK$26,618 (+14.0%)
70岁HK$33,861 (+14.0%)
75岁HK$37,890 (+14.0%)
80岁HK$47,328 (+14.0%)
85岁HK$53,353 (+14.0%)
90岁HK$57,474 (+14.0%)
95岁HK$59,774 (+14.0%)
99岁HK$61,307 (+14.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁+1.28%
5岁+1.28%
10岁+1.87%
15岁+1.87%
20岁+3.63%
25岁+3.78%
30岁+3.94%
35岁+4.15%
40岁+4.31%
45岁+4.28%
50岁+3.82%
55岁+2.22%
60岁+1.36%
65岁+0.66%
70岁+0.50%
75岁+1.22%
80岁+1.19%
85岁+1.32%
90岁+1.46%
95岁+1.57%
99岁+1.68%
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 2026-07-02
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 | F00030-02-000-01 2019-06-03 | F00030-02-000-02 2021-04-01 | F00030-02-000-03 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | HK$8,900 | HK$8,900 | HK$9,348 (+5.0%) | +1.28% |
| 5 | HK$8,900 | HK$8,900 | HK$9,348 (+5.0%) | +1.28% |
| 10 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 15 | HK$3,400 | HK$3,400 | HK$3,876 (+14.0%) | +1.87% |
| 20 | HK$3,242 | HK$3,242 | HK$4,704 (+45.1%) | +3.63% |
| 25 | HK$4,212 | HK$4,212 | HK$6,234 (+48.0%) | +3.78% |
| 30 | HK$4,913 | HK$4,913 | HK$7,425 (+51.1%) | +3.94% |
| 35 | HK$5,587 | HK$5,587 | HK$8,688 (+55.5%) | +4.15% |
| 40 | HK$6,288 | HK$6,288 | HK$9,990 (+58.9%) | +4.31% |
| 45 | HK$7,580 | HK$7,580 | HK$11,991 (+58.2%) | +4.28% |
| 50 | HK$9,561 | HK$9,561 | HK$14,226 (+48.8%) | +3.82% |
| 55 | HK$13,264 | HK$13,264 | HK$15,881 (+19.7%) | +2.22% |
| 60 | HK$17,568 | HK$17,568 | HK$18,648 (+6.1%) | +1.36% |
| 65 | HK$23,349 | HK$23,349 | HK$22,458 (-3.8%) | +0.66% |
| 70 | HK$29,703 | HK$29,703 | HK$27,940 (-5.9%) | +0.50% |
| 75 | HK$33,237 | HK$33,237 | HK$34,615 (+4.1%) | +1.22% |
| 80 | HK$41,516 | HK$41,516 | HK$43,068 (+3.7%) | +1.19% |
| 85 | HK$46,801 | HK$46,801 | HK$49,442 (+5.6%) | +1.32% |
| 90 | HK$50,416 | HK$50,416 | HK$54,267 (+7.6%) | +1.46% |
| 95 | HK$52,433 | HK$52,433 | HK$57,311 (+9.3%) | +1.57% |
| 99 | HK$53,778 | HK$53,778 | HK$59,694 (+11.0%) | +1.68% |
| 所有年龄平均 | — | 0.0% | +22.0% | — |
0岁HK$8,900
5岁HK$8,900
10岁HK$3,400
15岁HK$3,400
20岁HK$3,242
25岁HK$4,212
30岁HK$4,913
35岁HK$5,587
40岁HK$6,288
45岁HK$7,580
50岁HK$9,561
55岁HK$13,264
60岁HK$17,568
65岁HK$23,349
70岁HK$29,703
75岁HK$33,237
80岁HK$41,516
85岁HK$46,801
90岁HK$50,416
95岁HK$52,433
99岁HK$53,778
0岁HK$8,900
5岁HK$8,900
10岁HK$3,400
15岁HK$3,400
20岁HK$3,242
25岁HK$4,212
30岁HK$4,913
35岁HK$5,587
40岁HK$6,288
45岁HK$7,580
50岁HK$9,561
55岁HK$13,264
60岁HK$17,568
65岁HK$23,349
70岁HK$29,703
75岁HK$33,237
80岁HK$41,516
85岁HK$46,801
90岁HK$50,416
95岁HK$52,433
99岁HK$53,778
0岁HK$9,348 (+5.0%)
5岁HK$9,348 (+5.0%)
10岁HK$3,876 (+14.0%)
15岁HK$3,876 (+14.0%)
20岁HK$4,704 (+45.1%)
25岁HK$6,234 (+48.0%)
30岁HK$7,425 (+51.1%)
35岁HK$8,688 (+55.5%)
40岁HK$9,990 (+58.9%)
45岁HK$11,991 (+58.2%)
50岁HK$14,226 (+48.8%)
55岁HK$15,881 (+19.7%)
60岁HK$18,648 (+6.1%)
65岁HK$22,458 (-3.8%)
70岁HK$27,940 (-5.9%)
75岁HK$34,615 (+4.1%)
80岁HK$43,068 (+3.7%)
85岁HK$49,442 (+5.6%)
90岁HK$54,267 (+7.6%)
95岁HK$57,311 (+9.3%)
99岁HK$59,694 (+11.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁+1.28%
5岁+1.28%
10岁+1.87%
15岁+1.87%
20岁+3.63%
25岁+3.78%
30岁+3.94%
35岁+4.15%
40岁+4.31%
45岁+4.28%
50岁+3.82%
55岁+2.22%
60岁+1.36%
65岁+0.66%
70岁+0.50%
75岁+1.22%
80岁+1.19%
85岁+1.32%
90岁+1.46%
95岁+1.57%
99岁+1.68%
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 2026-07-02
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。