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信諾自願醫保系列－靈活計劃（優越） - 普通病房 - 15,000 港元自付費
Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD15,000 Deductible
信諾環球保險有限公司 · F00016-07-000 · 6 个版本 · 灵活计划 · 年均加幅 +4.81%
| 年龄 | F00016-07-000-01 2022-01-27 | F00016-07-000-01 2022-04-01 | F00016-07-000-02 2023-07-01 | F00016-07-000-02 2024-07-01 | F00016-07-000-03 2025-07-01 | F00016-07-000-04 2026-07-01 | 年均加幅 |
|---|---|---|---|---|---|---|---|
| 0 | HK$5,398 | HK$5,398 | HK$5,398 | HK$5,668 (+5.0%) | HK$6,094 (+7.5%) | HK$6,457 (+6.0%) | +4.09% |
| 5 | HK$4,216 | HK$4,216 | HK$4,216 | HK$4,427 (+5.0%) | HK$4,699 (+6.1%) | HK$4,936 (+5.0%) | +3.59% |
| 10 | HK$3,701 | HK$3,701 | HK$3,701 | HK$3,886 (+5.0%) | HK$4,068 (+4.7%) | HK$4,237 (+4.2%) | +3.07% |
| 15 | HK$3,188 | HK$3,188 | HK$3,188 | HK$3,347 (+5.0%) | HK$3,508 (+4.8%) | HK$3,652 (+4.1%) | +3.09% |
| 20 | HK$3,528 | HK$3,528 | HK$3,528 | HK$3,592 (+1.8%) | HK$3,796 (+5.7%) | HK$3,951 (+4.1%) | +2.57% |
| 25 | HK$4,004 | HK$4,004 | HK$4,004 | HK$4,004 | HK$4,294 (+7.2%) | HK$4,479 (+4.3%) | +2.54% |
| 30 | HK$4,546 | HK$4,546 | HK$4,546 | HK$4,546 | HK$4,928 (+8.4%) | HK$5,160 (+4.7%) | +2.87% |
| 35 | HK$5,163 | HK$5,163 | HK$5,163 | HK$5,163 | HK$5,620 (+8.9%) | HK$5,916 (+5.3%) | +3.09% |
| 40 | HK$5,884 | HK$5,884 | HK$5,884 | HK$5,884 | HK$6,413 (+9.0%) | HK$6,794 (+5.9%) | +3.27% |
| 45 | HK$7,259 | HK$7,259 | HK$7,259 | HK$7,259 | HK$7,909 (+9.0%) | HK$8,407 (+6.3%) | +3.34% |
| 50 | HK$8,989 | HK$8,989 | HK$8,989 | HK$8,989 | HK$9,836 (+9.4%) | HK$10,475 (+6.5%) | +3.48% |
| 55 | HK$11,418 | HK$11,418 | HK$11,418 | HK$12,097 (+5.9%) | HK$13,191 (+9.0%) | HK$13,801 (+4.6%) | +4.33% |
| 60 | HK$14,504 | HK$14,504 | HK$14,504 | HK$16,706 (+15.2%) | HK$18,136 (+8.6%) | HK$18,926 (+4.4%) | +6.13% |
| 65 | HK$18,423 | HK$18,423 | HK$18,423 | HK$23,444 (+27.3%) | HK$25,426 (+8.5%) | HK$26,463 (+4.1%) | +8.44% |
| 70 | HK$23,400 | HK$23,400 | HK$23,400 | HK$30,289 (+29.4%) | HK$32,859 (+8.5%) | HK$34,201 (+4.1%) | +8.86% |
| 75 | HK$29,724 | HK$29,724 | HK$29,724 | HK$38,557 (+29.7%) | HK$42,086 (+9.2%) | HK$43,905 (+4.3%) | +9.12% |
| 80 | HK$37,755 | HK$37,755 | HK$37,755 | HK$49,082 (+30.0%) | HK$53,611 (+9.2%) | HK$55,908 (+4.3%) | +9.18% |
| 85 | HK$46,824 | HK$46,824 | HK$46,824 | HK$54,982 (+17.4%) | HK$60,194 (+9.5%) | HK$62,804 (+4.3%) | +6.79% |
| 90 | HK$58,073 | HK$58,073 | HK$58,073 | HK$60,977 (+5.0%) | HK$66,406 (+8.9%) | HK$69,322 (+4.4%) | +4.04% |
| 95 | HK$72,023 | HK$72,023 | HK$72,023 | HK$75,624 (+5.0%) | HK$81,533 (+7.8%) | HK$84,919 (+4.2%) | +3.75% |
| 99 | HK$85,561 | HK$85,561 | HK$85,561 | HK$89,839 (+5.0%) | HK$96,208 (+7.1%) | HK$100,056 (+4.0%) | +3.56% |
| 所有年龄平均 | — | 0.0% | 0.0% | +9.1% | +7.9% | +4.7% | — |
0岁HK$5,398
5岁HK$4,216
10岁HK$3,701
15岁HK$3,188
20岁HK$3,528
25岁HK$4,004
30岁HK$4,546
35岁HK$5,163
40岁HK$5,884
45岁HK$7,259
50岁HK$8,989
55岁HK$11,418
60岁HK$14,504
65岁HK$18,423
70岁HK$23,400
75岁HK$29,724
80岁HK$37,755
85岁HK$46,824
90岁HK$58,073
95岁HK$72,023
99岁HK$85,561
0岁HK$5,398
5岁HK$4,216
10岁HK$3,701
15岁HK$3,188
20岁HK$3,528
25岁HK$4,004
30岁HK$4,546
35岁HK$5,163
40岁HK$5,884
45岁HK$7,259
50岁HK$8,989
55岁HK$11,418
60岁HK$14,504
65岁HK$18,423
70岁HK$23,400
75岁HK$29,724
80岁HK$37,755
85岁HK$46,824
90岁HK$58,073
95岁HK$72,023
99岁HK$85,561
0岁HK$5,398
5岁HK$4,216
10岁HK$3,701
15岁HK$3,188
20岁HK$3,528
25岁HK$4,004
30岁HK$4,546
35岁HK$5,163
40岁HK$5,884
45岁HK$7,259
50岁HK$8,989
55岁HK$11,418
60岁HK$14,504
65岁HK$18,423
70岁HK$23,400
75岁HK$29,724
80岁HK$37,755
85岁HK$46,824
90岁HK$58,073
95岁HK$72,023
99岁HK$85,561
0岁HK$5,668 (+5.0%)
5岁HK$4,427 (+5.0%)
10岁HK$3,886 (+5.0%)
15岁HK$3,347 (+5.0%)
20岁HK$3,592 (+1.8%)
25岁HK$4,004
30岁HK$4,546
35岁HK$5,163
40岁HK$5,884
45岁HK$7,259
50岁HK$8,989
55岁HK$12,097 (+5.9%)
60岁HK$16,706 (+15.2%)
65岁HK$23,444 (+27.3%)
70岁HK$30,289 (+29.4%)
75岁HK$38,557 (+29.7%)
80岁HK$49,082 (+30.0%)
85岁HK$54,982 (+17.4%)
90岁HK$60,977 (+5.0%)
95岁HK$75,624 (+5.0%)
99岁HK$89,839 (+5.0%)
0岁HK$6,094 (+7.5%)
5岁HK$4,699 (+6.1%)
10岁HK$4,068 (+4.7%)
15岁HK$3,508 (+4.8%)
20岁HK$3,796 (+5.7%)
25岁HK$4,294 (+7.2%)
30岁HK$4,928 (+8.4%)
35岁HK$5,620 (+8.9%)
40岁HK$6,413 (+9.0%)
45岁HK$7,909 (+9.0%)
50岁HK$9,836 (+9.4%)
55岁HK$13,191 (+9.0%)
60岁HK$18,136 (+8.6%)
65岁HK$25,426 (+8.5%)
70岁HK$32,859 (+8.5%)
75岁HK$42,086 (+9.2%)
80岁HK$53,611 (+9.2%)
85岁HK$60,194 (+9.5%)
90岁HK$66,406 (+8.9%)
95岁HK$81,533 (+7.8%)
99岁HK$96,208 (+7.1%)
0岁HK$6,457 (+6.0%)
5岁HK$4,936 (+5.0%)
10岁HK$4,237 (+4.2%)
15岁HK$3,652 (+4.1%)
20岁HK$3,951 (+4.1%)
25岁HK$4,479 (+4.3%)
30岁HK$5,160 (+4.7%)
35岁HK$5,916 (+5.3%)
40岁HK$6,794 (+5.9%)
45岁HK$8,407 (+6.3%)
50岁HK$10,475 (+6.5%)
55岁HK$13,801 (+4.6%)
60岁HK$18,926 (+4.4%)
65岁HK$26,463 (+4.1%)
70岁HK$34,201 (+4.1%)
75岁HK$43,905 (+4.3%)
80岁HK$55,908 (+4.3%)
85岁HK$62,804 (+4.3%)
90岁HK$69,322 (+4.4%)
95岁HK$84,919 (+4.2%)
99岁HK$100,056 (+4.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁+4.09%
5岁+3.59%
10岁+3.07%
15岁+3.09%
20岁+2.57%
25岁+2.54%
30岁+2.87%
35岁+3.09%
40岁+3.27%
45岁+3.34%
50岁+3.48%
55岁+4.33%
60岁+6.13%
65岁+8.44%
70岁+8.86%
75岁+9.12%
80岁+9.18%
85岁+6.79%
90岁+4.04%
95岁+3.75%
99岁+3.56%
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。