← 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） - 普通病房 - 0 港元自付費
Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD0 Deductible
信諾環球保險有限公司 · F00016-06-000 · 6 个版本 · 灵活计划 · 年均加幅 +6.25%
| 年龄 | F00016-06-000-01 2022-01-27 | F00016-06-000-01 2022-04-01 | F00016-06-000-02 2023-07-01 | F00016-06-000-02 2024-07-01 | F00016-06-000-03 2025-07-01 | F00016-06-000-04 2026-07-01 | 年均加幅 |
|---|---|---|---|---|---|---|---|
| 0 | HK$10,069 | HK$10,069 | HK$10,069 | HK$10,572 (+5.0%) | HK$11,408 (+7.9%) | HK$12,365 (+8.4%) | +4.70% |
| 5 | HK$7,864 | HK$7,864 | HK$7,864 | HK$8,257 (+5.0%) | HK$8,849 (+7.2%) | HK$9,519 (+7.6%) | +4.36% |
| 10 | HK$6,904 | HK$6,904 | HK$6,904 | HK$7,249 (+5.0%) | HK$7,769 (+7.2%) | HK$8,292 (+6.7%) | +4.18% |
| 15 | HK$5,946 | HK$5,946 | HK$5,946 | HK$6,956 (+17.0%) | HK$7,455 (+7.2%) | HK$7,941 (+6.5%) | +6.69% |
| 20 | HK$6,580 | HK$6,580 | HK$6,580 | HK$6,940 (+5.5%) | HK$7,438 (+7.2%) | HK$7,933 (+6.7%) | +4.27% |
| 25 | HK$7,471 | HK$7,471 | HK$7,471 | HK$7,906 (+5.8%) | HK$8,506 (+7.6%) | HK$9,084 (+6.8%) | +4.47% |
| 30 | HK$8,480 | HK$8,480 | HK$8,480 | HK$9,347 (+10.2%) | HK$10,135 (+8.4%) | HK$10,859 (+7.1%) | +5.69% |
| 35 | HK$9,631 | HK$9,631 | HK$9,631 | HK$10,656 (+10.6%) | HK$11,593 (+8.8%) | HK$12,494 (+7.8%) | +5.99% |
| 40 | HK$10,977 | HK$10,977 | HK$10,977 | HK$12,450 (+13.4%) | HK$13,534 (+8.7%) | HK$14,672 (+8.4%) | +6.70% |
| 45 | HK$13,541 | HK$13,541 | HK$13,541 | HK$14,662 (+8.3%) | HK$15,955 (+8.8%) | HK$17,696 (+10.9%) | +6.17% |
| 50 | HK$16,768 | HK$16,768 | HK$16,768 | HK$17,936 (+7.0%) | HK$19,597 (+9.3%) | HK$21,830 (+11.4%) | +6.08% |
| 55 | HK$21,299 | HK$21,299 | HK$21,299 | HK$22,364 (+5.0%) | HK$24,438 (+9.3%) | HK$27,229 (+11.4%) | +5.65% |
| 60 | HK$27,054 | HK$27,054 | HK$27,054 | HK$30,963 (+14.4%) | HK$33,652 (+8.7%) | HK$37,103 (+10.3%) | +7.32% |
| 65 | HK$34,364 | HK$34,364 | HK$34,364 | HK$42,519 (+23.7%) | HK$46,188 (+8.6%) | HK$50,480 (+9.3%) | +8.98% |
| 70 | HK$43,650 | HK$43,650 | HK$43,650 | HK$54,865 (+25.7%) | HK$59,598 (+8.6%) | HK$65,118 (+9.3%) | +9.36% |
| 75 | HK$55,444 | HK$55,444 | HK$55,444 | HK$66,957 (+20.8%) | HK$73,355 (+9.6%) | HK$81,042 (+10.5%) | +8.86% |
| 80 | HK$70,427 | HK$70,427 | HK$70,427 | HK$81,879 (+16.3%) | HK$89,972 (+9.9%) | HK$99,584 (+10.7%) | +8.06% |
| 85 | HK$87,346 | HK$87,346 | HK$87,346 | HK$98,388 (+12.6%) | HK$107,897 (+9.7%) | HK$118,942 (+10.2%) | +7.15% |
| 90 | HK$108,329 | HK$108,329 | HK$108,329 | HK$114,986 (+6.1%) | HK$125,038 (+8.7%) | HK$137,512 (+10.0%) | +5.48% |
| 95 | HK$134,354 | HK$134,354 | HK$134,354 | HK$141,072 (+5.0%) | HK$151,940 (+7.7%) | HK$165,898 (+9.2%) | +4.83% |
| 99 | HK$159,607 | HK$159,607 | HK$159,607 | HK$167,587 (+5.0%) | HK$179,612 (+7.2%) | HK$195,058 (+8.6%) | +4.59% |
| 所有年龄平均 | — | 0.0% | 0.0% | +10.8% | +8.4% | +8.9% | — |
0岁HK$10,069
5岁HK$7,864
10岁HK$6,904
15岁HK$5,946
20岁HK$6,580
25岁HK$7,471
30岁HK$8,480
35岁HK$9,631
40岁HK$10,977
45岁HK$13,541
50岁HK$16,768
55岁HK$21,299
60岁HK$27,054
65岁HK$34,364
70岁HK$43,650
75岁HK$55,444
80岁HK$70,427
85岁HK$87,346
90岁HK$108,329
95岁HK$134,354
99岁HK$159,607
0岁HK$10,069
5岁HK$7,864
10岁HK$6,904
15岁HK$5,946
20岁HK$6,580
25岁HK$7,471
30岁HK$8,480
35岁HK$9,631
40岁HK$10,977
45岁HK$13,541
50岁HK$16,768
55岁HK$21,299
60岁HK$27,054
65岁HK$34,364
70岁HK$43,650
75岁HK$55,444
80岁HK$70,427
85岁HK$87,346
90岁HK$108,329
95岁HK$134,354
99岁HK$159,607
0岁HK$10,069
5岁HK$7,864
10岁HK$6,904
15岁HK$5,946
20岁HK$6,580
25岁HK$7,471
30岁HK$8,480
35岁HK$9,631
40岁HK$10,977
45岁HK$13,541
50岁HK$16,768
55岁HK$21,299
60岁HK$27,054
65岁HK$34,364
70岁HK$43,650
75岁HK$55,444
80岁HK$70,427
85岁HK$87,346
90岁HK$108,329
95岁HK$134,354
99岁HK$159,607
0岁HK$10,572 (+5.0%)
5岁HK$8,257 (+5.0%)
10岁HK$7,249 (+5.0%)
15岁HK$6,956 (+17.0%)
20岁HK$6,940 (+5.5%)
25岁HK$7,906 (+5.8%)
30岁HK$9,347 (+10.2%)
35岁HK$10,656 (+10.6%)
40岁HK$12,450 (+13.4%)
45岁HK$14,662 (+8.3%)
50岁HK$17,936 (+7.0%)
55岁HK$22,364 (+5.0%)
60岁HK$30,963 (+14.4%)
65岁HK$42,519 (+23.7%)
70岁HK$54,865 (+25.7%)
75岁HK$66,957 (+20.8%)
80岁HK$81,879 (+16.3%)
85岁HK$98,388 (+12.6%)
90岁HK$114,986 (+6.1%)
95岁HK$141,072 (+5.0%)
99岁HK$167,587 (+5.0%)
0岁HK$11,408 (+7.9%)
5岁HK$8,849 (+7.2%)
10岁HK$7,769 (+7.2%)
15岁HK$7,455 (+7.2%)
20岁HK$7,438 (+7.2%)
25岁HK$8,506 (+7.6%)
30岁HK$10,135 (+8.4%)
35岁HK$11,593 (+8.8%)
40岁HK$13,534 (+8.7%)
45岁HK$15,955 (+8.8%)
50岁HK$19,597 (+9.3%)
55岁HK$24,438 (+9.3%)
60岁HK$33,652 (+8.7%)
65岁HK$46,188 (+8.6%)
70岁HK$59,598 (+8.6%)
75岁HK$73,355 (+9.6%)
80岁HK$89,972 (+9.9%)
85岁HK$107,897 (+9.7%)
90岁HK$125,038 (+8.7%)
95岁HK$151,940 (+7.7%)
99岁HK$179,612 (+7.2%)
0岁HK$12,365 (+8.4%)
5岁HK$9,519 (+7.6%)
10岁HK$8,292 (+6.7%)
15岁HK$7,941 (+6.5%)
20岁HK$7,933 (+6.7%)
25岁HK$9,084 (+6.8%)
30岁HK$10,859 (+7.1%)
35岁HK$12,494 (+7.8%)
40岁HK$14,672 (+8.4%)
45岁HK$17,696 (+10.9%)
50岁HK$21,830 (+11.4%)
55岁HK$27,229 (+11.4%)
60岁HK$37,103 (+10.3%)
65岁HK$50,480 (+9.3%)
70岁HK$65,118 (+9.3%)
75岁HK$81,042 (+10.5%)
80岁HK$99,584 (+10.7%)
85岁HK$118,942 (+10.2%)
90岁HK$137,512 (+10.0%)
95岁HK$165,898 (+9.2%)
99岁HK$195,058 (+8.6%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁+4.70%
5岁+4.36%
10岁+4.18%
15岁+6.69%
20岁+4.27%
25岁+4.47%
30岁+5.69%
35岁+5.99%
40岁+6.70%
45岁+6.17%
50岁+6.08%
55岁+5.65%
60岁+7.32%
65岁+8.98%
70岁+9.36%
75岁+8.86%
80岁+8.06%
85岁+7.15%
90岁+5.48%
95岁+4.83%
99岁+4.59%
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。· 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。