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「摯康保」醫療保障計劃 - 保障級別 4+超額醫療保障 (港元)
''TopCare'' Medical Insurance Plan - Benefit Level 4 with SMM (HKD)
周大福人壽保險有限公司 · F00037-04-000 · 7 个版本 · 灵活计划 · 年均加幅 +4.17%
男 Male
| 年龄 | F00037-04-000-01 2019-08-30 | F00037-04-000-02 2021-04-01 | F00037-04-000-02 2022-11-01 | F00037-04-000-02 2023-11-23 | F00037-04-000-03 2024-07-22 | F00037-04-000-03 2024-11-23 | F00037-04-000-03 2025-11-23 | 年均加幅 |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$15,200 | HK$15,200 | HK$16,415 (+8.0%) | HK$17,729 (+8.0%) | HK$17,729 | HK$19,501 (+10.0%) | HK$20,476 (+5.0%) | +4.42% |
| 5 | HK$9,467 | HK$9,467 | HK$10,224 (+8.0%) | HK$11,042 (+8.0%) | HK$11,042 | HK$12,146 (+10.0%) | HK$12,754 (+5.0%) | +4.43% |
| 10 | HK$8,510 | HK$8,510 | HK$9,190 (+8.0%) | HK$9,926 (+8.0%) | HK$9,926 | HK$10,919 (+10.0%) | HK$11,465 (+5.0%) | +4.43% |
| 15 | HK$8,704 | HK$8,704 | HK$9,400 (+8.0%) | HK$10,152 (+8.0%) | HK$10,152 | HK$11,168 (+10.0%) | HK$11,726 (+5.0%) | +4.43% |
| 20 | HK$10,401 | HK$10,401 | HK$11,233 (+8.0%) | HK$12,132 (+8.0%) | HK$12,132 | HK$13,345 (+10.0%) | HK$14,013 (+5.0%) | +4.43% |
| 25 | HK$11,352 | HK$11,352 | HK$12,261 (+8.0%) | HK$13,242 (+8.0%) | HK$13,242 | HK$14,565 (+10.0%) | HK$14,930 (+2.5%) | +4.06% |
| 30 | HK$13,026 | HK$13,026 | HK$14,068 (+8.0%) | HK$15,193 (+8.0%) | HK$15,193 | HK$16,712 (+10.0%) | HK$16,712 | +3.69% |
| 35 | HK$14,287 | HK$14,287 | HK$15,430 (+8.0%) | HK$16,664 (+8.0%) | HK$16,664 | HK$18,331 (+10.0%) | HK$18,423 (+0.5%) | +3.76% |
| 40 | HK$16,593 | HK$16,593 | HK$17,920 (+8.0%) | HK$19,354 (+8.0%) | HK$19,354 | HK$21,289 (+10.0%) | HK$21,502 (+1.0%) | +3.84% |
| 45 | HK$20,688 | HK$20,688 | HK$22,343 (+8.0%) | HK$24,130 (+8.0%) | HK$24,130 | HK$26,543 (+10.0%) | HK$26,742 (+0.7%) | +3.80% |
| 50 | HK$26,889 | HK$26,889 | HK$29,040 (+8.0%) | HK$31,364 (+8.0%) | HK$31,364 | HK$34,501 (+10.0%) | HK$34,674 (+0.5%) | +3.76% |
| 55 | HK$33,289 | HK$33,289 | HK$35,952 (+8.0%) | HK$38,829 (+8.0%) | HK$38,829 | HK$42,712 (+10.0%) | HK$43,032 (+0.7%) | +3.80% |
| 60 | HK$44,707 | HK$44,707 | HK$48,283 (+8.0%) | HK$52,146 (+8.0%) | HK$52,146 | HK$57,361 (+10.0%) | HK$57,935 (+1.0%) | +3.84% |
| 65 | HK$61,825 | HK$61,825 | HK$66,771 (+8.0%) | HK$72,113 (+8.0%) | HK$72,113 | HK$79,325 (+10.0%) | HK$81,705 (+3.0%) | +4.13% |
| 70 | HK$80,512 | HK$80,512 | HK$86,952 (+8.0%) | HK$93,908 (+8.0%) | HK$93,908 | HK$103,299 (+10.0%) | HK$108,464 (+5.0%) | +4.42% |
| 75 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.43% |
| 80 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.43% |
| 85 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.43% |
| 90 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.43% |
| 95 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.43% |
| 99 | HK$85,045 | HK$85,045 | HK$91,849 (+8.0%) | HK$99,196 (+8.0%) | HK$99,196 | HK$109,117 (+10.0%) | HK$114,573 (+5.0%) | +4.43% |
| 所有年龄平均 | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0岁HK$15,200
5岁HK$9,467
10岁HK$8,510
15岁HK$8,704
20岁HK$10,401
25岁HK$11,352
30岁HK$13,026
35岁HK$14,287
40岁HK$16,593
45岁HK$20,688
50岁HK$26,889
55岁HK$33,289
60岁HK$44,707
65岁HK$61,825
70岁HK$80,512
75岁HK$85,045
80岁HK$85,045
85岁HK$85,045
90岁HK$85,045
95岁HK$85,045
99岁HK$85,045
0岁HK$15,200
5岁HK$9,467
10岁HK$8,510
15岁HK$8,704
20岁HK$10,401
25岁HK$11,352
30岁HK$13,026
35岁HK$14,287
40岁HK$16,593
45岁HK$20,688
50岁HK$26,889
55岁HK$33,289
60岁HK$44,707
65岁HK$61,825
70岁HK$80,512
75岁HK$85,045
80岁HK$85,045
85岁HK$85,045
90岁HK$85,045
95岁HK$85,045
99岁HK$85,045
0岁HK$16,415 (+8.0%)
5岁HK$10,224 (+8.0%)
10岁HK$9,190 (+8.0%)
15岁HK$9,400 (+8.0%)
20岁HK$11,233 (+8.0%)
25岁HK$12,261 (+8.0%)
30岁HK$14,068 (+8.0%)
35岁HK$15,430 (+8.0%)
40岁HK$17,920 (+8.0%)
45岁HK$22,343 (+8.0%)
50岁HK$29,040 (+8.0%)
55岁HK$35,952 (+8.0%)
60岁HK$48,283 (+8.0%)
65岁HK$66,771 (+8.0%)
70岁HK$86,952 (+8.0%)
75岁HK$91,849 (+8.0%)
80岁HK$91,849 (+8.0%)
85岁HK$91,849 (+8.0%)
90岁HK$91,849 (+8.0%)
95岁HK$91,849 (+8.0%)
99岁HK$91,849 (+8.0%)
0岁HK$17,729 (+8.0%)
5岁HK$11,042 (+8.0%)
10岁HK$9,926 (+8.0%)
15岁HK$10,152 (+8.0%)
20岁HK$12,132 (+8.0%)
25岁HK$13,242 (+8.0%)
30岁HK$15,193 (+8.0%)
35岁HK$16,664 (+8.0%)
40岁HK$19,354 (+8.0%)
45岁HK$24,130 (+8.0%)
50岁HK$31,364 (+8.0%)
55岁HK$38,829 (+8.0%)
60岁HK$52,146 (+8.0%)
65岁HK$72,113 (+8.0%)
70岁HK$93,908 (+8.0%)
75岁HK$99,196 (+8.0%)
80岁HK$99,196 (+8.0%)
85岁HK$99,196 (+8.0%)
90岁HK$99,196 (+8.0%)
95岁HK$99,196 (+8.0%)
99岁HK$99,196 (+8.0%)
0岁HK$17,729
5岁HK$11,042
10岁HK$9,926
15岁HK$10,152
20岁HK$12,132
25岁HK$13,242
30岁HK$15,193
35岁HK$16,664
40岁HK$19,354
45岁HK$24,130
50岁HK$31,364
55岁HK$38,829
60岁HK$52,146
65岁HK$72,113
70岁HK$93,908
75岁HK$99,196
80岁HK$99,196
85岁HK$99,196
90岁HK$99,196
95岁HK$99,196
99岁HK$99,196
0岁HK$19,501 (+10.0%)
5岁HK$12,146 (+10.0%)
10岁HK$10,919 (+10.0%)
15岁HK$11,168 (+10.0%)
20岁HK$13,345 (+10.0%)
25岁HK$14,565 (+10.0%)
30岁HK$16,712 (+10.0%)
35岁HK$18,331 (+10.0%)
40岁HK$21,289 (+10.0%)
45岁HK$26,543 (+10.0%)
50岁HK$34,501 (+10.0%)
55岁HK$42,712 (+10.0%)
60岁HK$57,361 (+10.0%)
65岁HK$79,325 (+10.0%)
70岁HK$103,299 (+10.0%)
75岁HK$109,117 (+10.0%)
80岁HK$109,117 (+10.0%)
85岁HK$109,117 (+10.0%)
90岁HK$109,117 (+10.0%)
95岁HK$109,117 (+10.0%)
99岁HK$109,117 (+10.0%)
0岁HK$20,476 (+5.0%)
5岁HK$12,754 (+5.0%)
10岁HK$11,465 (+5.0%)
15岁HK$11,726 (+5.0%)
20岁HK$14,013 (+5.0%)
25岁HK$14,930 (+2.5%)
30岁HK$16,712
35岁HK$18,423 (+0.5%)
40岁HK$21,502 (+1.0%)
45岁HK$26,742 (+0.7%)
50岁HK$34,674 (+0.5%)
55岁HK$43,032 (+0.7%)
60岁HK$57,935 (+1.0%)
65岁HK$81,705 (+3.0%)
70岁HK$108,464 (+5.0%)
75岁HK$114,573 (+5.0%)
80岁HK$114,573 (+5.0%)
85岁HK$114,573 (+5.0%)
90岁HK$114,573 (+5.0%)
95岁HK$114,573 (+5.0%)
99岁HK$114,573 (+5.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁+4.42%
5岁+4.43%
10岁+4.43%
15岁+4.43%
20岁+4.43%
25岁+4.06%
30岁+3.69%
35岁+3.76%
40岁+3.84%
45岁+3.80%
50岁+3.76%
55岁+3.80%
60岁+3.84%
65岁+4.13%
70岁+4.42%
75岁+4.43%
80岁+4.43%
85岁+4.43%
90岁+4.43%
95岁+4.43%
99岁+4.43%
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 2026-07-02
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 | F00037-04-000-01 2019-08-30 | F00037-04-000-02 2021-04-01 | F00037-04-000-02 2022-11-01 | F00037-04-000-02 2023-11-23 | F00037-04-000-03 2024-07-22 | F00037-04-000-03 2024-11-23 | F00037-04-000-03 2025-11-23 | 年均加幅 |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$11,101 | HK$11,101 | HK$11,989 (+8.0%) | HK$12,949 (+8.0%) | HK$12,949 | HK$14,244 (+10.0%) | HK$14,956 (+5.0%) | +4.43% |
| 5 | HK$8,940 | HK$8,940 | HK$9,656 (+8.0%) | HK$10,429 (+8.0%) | HK$10,429 | HK$11,471 (+10.0%) | HK$12,045 (+5.0%) | +4.43% |
| 10 | HK$7,729 | HK$7,729 | HK$8,346 (+8.0%) | HK$9,014 (+8.0%) | HK$9,014 | HK$9,915 (+10.0%) | HK$10,411 (+5.0%) | +4.42% |
| 15 | HK$8,032 | HK$8,032 | HK$8,675 (+8.0%) | HK$9,369 (+8.0%) | HK$9,369 | HK$10,306 (+10.0%) | HK$10,821 (+5.0%) | +4.43% |
| 20 | HK$11,107 | HK$11,107 | HK$11,995 (+8.0%) | HK$12,955 (+8.0%) | HK$12,955 | HK$14,250 (+10.0%) | HK$14,963 (+5.0%) | +4.42% |
| 25 | HK$12,982 | HK$12,982 | HK$14,020 (+8.0%) | HK$15,142 (+8.0%) | HK$15,142 | HK$16,656 (+10.0%) | HK$17,073 (+2.5%) | +4.06% |
| 30 | HK$15,762 | HK$15,762 | HK$17,023 (+8.0%) | HK$18,385 (+8.0%) | HK$18,385 | HK$20,223 (+10.0%) | HK$20,223 | +3.69% |
| 35 | HK$18,342 | HK$18,342 | HK$19,810 (+8.0%) | HK$21,394 (+8.0%) | HK$21,394 | HK$23,533 (+10.0%) | HK$23,651 (+0.5%) | +3.76% |
| 40 | HK$21,648 | HK$21,648 | HK$23,380 (+8.0%) | HK$25,250 (+8.0%) | HK$25,250 | HK$27,775 (+10.0%) | HK$28,052 (+1.0%) | +3.84% |
| 45 | HK$25,261 | HK$25,261 | HK$27,282 (+8.0%) | HK$29,464 (+8.0%) | HK$29,464 | HK$32,411 (+10.0%) | HK$32,654 (+0.7%) | +3.80% |
| 50 | HK$30,279 | HK$30,279 | HK$32,701 (+8.0%) | HK$35,318 (+8.0%) | HK$35,318 | HK$38,850 (+10.0%) | HK$39,044 (+0.5%) | +3.76% |
| 55 | HK$35,329 | HK$35,329 | HK$38,155 (+8.0%) | HK$41,207 (+8.0%) | HK$41,207 | HK$45,327 (+10.0%) | HK$45,668 (+0.8%) | +3.80% |
| 60 | HK$42,781 | HK$42,781 | HK$46,204 (+8.0%) | HK$49,900 (+8.0%) | HK$49,900 | HK$54,890 (+10.0%) | HK$55,439 (+1.0%) | +3.84% |
| 65 | HK$58,071 | HK$58,071 | HK$62,717 (+8.0%) | HK$67,735 (+8.0%) | HK$67,735 | HK$74,508 (+10.0%) | HK$76,744 (+3.0%) | +4.13% |
| 70 | HK$75,761 | HK$75,761 | HK$81,821 (+8.0%) | HK$88,367 (+8.0%) | HK$88,367 | HK$97,204 (+10.0%) | HK$102,064 (+5.0%) | +4.42% |
| 75 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.43% |
| 80 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.43% |
| 85 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.43% |
| 90 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.43% |
| 95 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.43% |
| 99 | HK$80,643 | HK$80,643 | HK$87,094 (+8.0%) | HK$94,062 (+8.0%) | HK$94,062 | HK$103,468 (+10.0%) | HK$108,642 (+5.0%) | +4.43% |
| 所有年龄平均 | — | 0.0% | +8.0% | +8.0% | 0.0% | +10.0% | +3.3% | — |
0岁HK$11,101
5岁HK$8,940
10岁HK$7,729
15岁HK$8,032
20岁HK$11,107
25岁HK$12,982
30岁HK$15,762
35岁HK$18,342
40岁HK$21,648
45岁HK$25,261
50岁HK$30,279
55岁HK$35,329
60岁HK$42,781
65岁HK$58,071
70岁HK$75,761
75岁HK$80,643
80岁HK$80,643
85岁HK$80,643
90岁HK$80,643
95岁HK$80,643
99岁HK$80,643
0岁HK$11,101
5岁HK$8,940
10岁HK$7,729
15岁HK$8,032
20岁HK$11,107
25岁HK$12,982
30岁HK$15,762
35岁HK$18,342
40岁HK$21,648
45岁HK$25,261
50岁HK$30,279
55岁HK$35,329
60岁HK$42,781
65岁HK$58,071
70岁HK$75,761
75岁HK$80,643
80岁HK$80,643
85岁HK$80,643
90岁HK$80,643
95岁HK$80,643
99岁HK$80,643
0岁HK$11,989 (+8.0%)
5岁HK$9,656 (+8.0%)
10岁HK$8,346 (+8.0%)
15岁HK$8,675 (+8.0%)
20岁HK$11,995 (+8.0%)
25岁HK$14,020 (+8.0%)
30岁HK$17,023 (+8.0%)
35岁HK$19,810 (+8.0%)
40岁HK$23,380 (+8.0%)
45岁HK$27,282 (+8.0%)
50岁HK$32,701 (+8.0%)
55岁HK$38,155 (+8.0%)
60岁HK$46,204 (+8.0%)
65岁HK$62,717 (+8.0%)
70岁HK$81,821 (+8.0%)
75岁HK$87,094 (+8.0%)
80岁HK$87,094 (+8.0%)
85岁HK$87,094 (+8.0%)
90岁HK$87,094 (+8.0%)
95岁HK$87,094 (+8.0%)
99岁HK$87,094 (+8.0%)
0岁HK$12,949 (+8.0%)
5岁HK$10,429 (+8.0%)
10岁HK$9,014 (+8.0%)
15岁HK$9,369 (+8.0%)
20岁HK$12,955 (+8.0%)
25岁HK$15,142 (+8.0%)
30岁HK$18,385 (+8.0%)
35岁HK$21,394 (+8.0%)
40岁HK$25,250 (+8.0%)
45岁HK$29,464 (+8.0%)
50岁HK$35,318 (+8.0%)
55岁HK$41,207 (+8.0%)
60岁HK$49,900 (+8.0%)
65岁HK$67,735 (+8.0%)
70岁HK$88,367 (+8.0%)
75岁HK$94,062 (+8.0%)
80岁HK$94,062 (+8.0%)
85岁HK$94,062 (+8.0%)
90岁HK$94,062 (+8.0%)
95岁HK$94,062 (+8.0%)
99岁HK$94,062 (+8.0%)
0岁HK$12,949
5岁HK$10,429
10岁HK$9,014
15岁HK$9,369
20岁HK$12,955
25岁HK$15,142
30岁HK$18,385
35岁HK$21,394
40岁HK$25,250
45岁HK$29,464
50岁HK$35,318
55岁HK$41,207
60岁HK$49,900
65岁HK$67,735
70岁HK$88,367
75岁HK$94,062
80岁HK$94,062
85岁HK$94,062
90岁HK$94,062
95岁HK$94,062
99岁HK$94,062
0岁HK$14,244 (+10.0%)
5岁HK$11,471 (+10.0%)
10岁HK$9,915 (+10.0%)
15岁HK$10,306 (+10.0%)
20岁HK$14,250 (+10.0%)
25岁HK$16,656 (+10.0%)
30岁HK$20,223 (+10.0%)
35岁HK$23,533 (+10.0%)
40岁HK$27,775 (+10.0%)
45岁HK$32,411 (+10.0%)
50岁HK$38,850 (+10.0%)
55岁HK$45,327 (+10.0%)
60岁HK$54,890 (+10.0%)
65岁HK$74,508 (+10.0%)
70岁HK$97,204 (+10.0%)
75岁HK$103,468 (+10.0%)
80岁HK$103,468 (+10.0%)
85岁HK$103,468 (+10.0%)
90岁HK$103,468 (+10.0%)
95岁HK$103,468 (+10.0%)
99岁HK$103,468 (+10.0%)
0岁HK$14,956 (+5.0%)
5岁HK$12,045 (+5.0%)
10岁HK$10,411 (+5.0%)
15岁HK$10,821 (+5.0%)
20岁HK$14,963 (+5.0%)
25岁HK$17,073 (+2.5%)
30岁HK$20,223
35岁HK$23,651 (+0.5%)
40岁HK$28,052 (+1.0%)
45岁HK$32,654 (+0.7%)
50岁HK$39,044 (+0.5%)
55岁HK$45,668 (+0.8%)
60岁HK$55,439 (+1.0%)
65岁HK$76,744 (+3.0%)
70岁HK$102,064 (+5.0%)
75岁HK$108,642 (+5.0%)
80岁HK$108,642 (+5.0%)
85岁HK$108,642 (+5.0%)
90岁HK$108,642 (+5.0%)
95岁HK$108,642 (+5.0%)
99岁HK$108,642 (+5.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁+4.43%
5岁+4.43%
10岁+4.42%
15岁+4.43%
20岁+4.42%
25岁+4.06%
30岁+3.69%
35岁+3.76%
40岁+3.84%
45岁+3.80%
50岁+3.76%
55岁+3.80%
60岁+3.84%
65岁+4.13%
70岁+4.42%
75岁+4.43%
80岁+4.43%
85岁+4.43%
90岁+4.43%
95岁+4.43%
99岁+4.43%
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 2026-07-02
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。