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健康常伴優越醫療保險計劃 - 私家病房連附加保障
轴转Healthy Life Premier Medical Insurance Plan - Private with SMM
中國人壽保險（海外）股份有限公司 · F00030-02-001 · 3 个版本 · 灵活计划 · 年均加幅 +2.20%
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 | 2019-06-03 | 2021-04-01 | 最新版本 2026-06-01 | 年均加幅 |
|---|---|---|---|---|
| 0岁 | HK$12,200 | HK$12,200 | HK$13,908 (+14.0%) | +1.82% |
| 5岁 | HK$12,200 | HK$12,200 | HK$13,908 (+14.0%) | +1.82% |
| 10岁 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.82% |
| 15岁 | HK$4,600 | HK$4,600 | HK$5,244 (+14.0%) | +1.82% |
| 20岁 | HK$4,340 | HK$4,340 | HK$4,948 (+14.0%) | +1.82% |
| 25岁 | HK$5,702 | HK$5,702 | HK$6,500 (+14.0%) | +1.81% |
| 30岁 | HK$6,717 | HK$6,717 | HK$7,657 (+14.0%) | +1.81% |
| 35岁 | HK$7,616 | HK$7,616 | HK$8,682 (+14.0%) | +1.82% |
| 40岁 | HK$8,496 | HK$8,496 | HK$9,685 (+14.0%) | +1.81% |
| 45岁 | HK$10,129 | HK$10,129 | HK$11,547 (+14.0%) | +1.82% |
| 50岁 | HK$12,674 | HK$12,674 | HK$14,448 (+14.0%) | +1.82% |
| 55岁 | HK$17,609 | HK$17,609 | HK$20,074 (+14.0%) | +1.82% |
| 60岁 | HK$23,359 | HK$23,359 | HK$26,629 (+14.0%) | +1.82% |
| 65岁 | HK$30,940 | HK$30,940 | HK$35,272 (+14.0%) | +1.82% |
| 70岁 | HK$39,211 | HK$39,211 | HK$44,701 (+14.0%) | +1.82% |
| 75岁 | HK$44,244 | HK$44,244 | HK$50,438 (+14.0%) | +1.82% |
| 80岁 | HK$55,873 | HK$55,873 | HK$63,695 (+14.0%) | +1.82% |
| 85岁 | HK$63,023 | HK$63,023 | HK$71,846 (+14.0%) | +1.82% |
| 90岁 | HK$67,997 | HK$67,997 | HK$77,517 (+14.0%) | +1.82% |
| 95岁 | HK$70,532 | HK$70,532 | HK$80,406 (+14.0%) | +1.82% |
| 99岁 | HK$72,142 | HK$72,142 | HK$82,242 (+14.0%) | +1.82% |
| 所有年龄平均 | — | 0.0% | +14.0% | — |
0岁HK$12,200
5岁HK$12,200
10岁HK$4,600
15岁HK$4,600
20岁HK$4,340
25岁HK$5,702
30岁HK$6,717
35岁HK$7,616
40岁HK$8,496
45岁HK$10,129
50岁HK$12,674
55岁HK$17,609
60岁HK$23,359
65岁HK$30,940
70岁HK$39,211
75岁HK$44,244
80岁HK$55,873
85岁HK$63,023
90岁HK$67,997
95岁HK$70,532
99岁HK$72,142
0岁HK$12,200
5岁HK$12,200
10岁HK$4,600
15岁HK$4,600
20岁HK$4,340
25岁HK$5,702
30岁HK$6,717
35岁HK$7,616
40岁HK$8,496
45岁HK$10,129
50岁HK$12,674
55岁HK$17,609
60岁HK$23,359
65岁HK$30,940
70岁HK$39,211
75岁HK$44,244
80岁HK$55,873
85岁HK$63,023
90岁HK$67,997
95岁HK$70,532
99岁HK$72,142
0岁HK$13,908 (+14.0%)
5岁HK$13,908 (+14.0%)
10岁HK$5,244 (+14.0%)
15岁HK$5,244 (+14.0%)
20岁HK$4,948 (+14.0%)
25岁HK$6,500 (+14.0%)
30岁HK$7,657 (+14.0%)
35岁HK$8,682 (+14.0%)
40岁HK$9,685 (+14.0%)
45岁HK$11,547 (+14.0%)
50岁HK$14,448 (+14.0%)
55岁HK$20,074 (+14.0%)
60岁HK$26,629 (+14.0%)
65岁HK$35,272 (+14.0%)
70岁HK$44,701 (+14.0%)
75岁HK$50,438 (+14.0%)
80岁HK$63,695 (+14.0%)
85岁HK$71,846 (+14.0%)
90岁HK$77,517 (+14.0%)
95岁HK$80,406 (+14.0%)
99岁HK$82,242 (+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+1.82%
5岁+1.82%
10岁+1.82%
15岁+1.82%
20岁+1.82%
25岁+1.81%
30岁+1.81%
35岁+1.82%
40岁+1.81%
45岁+1.82%
50岁+1.82%
55岁+1.82%
60岁+1.82%
65岁+1.82%
70岁+1.82%
75岁+1.82%
80岁+1.82%
85岁+1.82%
90岁+1.82%
95岁+1.82%
99岁+1.82%
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。