【自願醫保保費比較】41至60歲中年人士「標準計劃」保費幾錢？

Bowtie（保泰人壽）於 2020 年 4 月 1 日調低了自願醫保計劃的保費，根據食物及衞生局網站，41 至 60 歲男性的「標準計劃」保費在調整後變為全港最平，而市場上最貴計劃的保費較最平的計劃高最多 3 倍，60 歲每年的保費更平超過 $10,000，省下來的金錢足以為 4 個年齡介乎 41 至 43 的男性購買多一份自願醫療保險！

市場保費概覽

年（歲）	最平	最貴
41	$2,184	$6,588
42	$2,304	$6,588
43	$2,424	$6,588
44	$2,532	$6,588
45	$2,652	$6,588
46	$2,772	$6,588
47	$2,880	$6,588
48	$2,988	$6,588
49	$3,120	$6,880
50	$3,252	$9,666
51	$3,396	$9,666
52	$3,540	$9,666
53	$3,720	$9,666
54	$3,900	$9,666
55	$4,104	$9,666
56	$4,308	$9,966
57	$4,596	$9,966
58	$4,776	$10,449
59	$4,968	$10,912
60	$5,316	$15,375

Bowtie 與 5 大保險公司保費比較

在 41 至 60 歲男性這個年齡層，市場上 5 大保險公司的平均保費約為 $3,952 至 $6,843，Bowtie 自願醫保「標準計劃」保費較市場平均保費低 $466 至 $3,356。

年 (歲)	Bowtie	保險公司A	保險公司B	保險公司C*	保險公司D^	保險公司E
41	$2,184	$2,682	$2,984	$3,396	$2,490	$4,289
42	$2,304	$2,899	$3,113	$3,544	$2,572	$4,484
43	$2,424	$3,091	$3,271	$3,699	$2,654	$4,687
44	$2,532	$3,290	$3,427	$3,860	$2,737	$4,900
45	$2,652	$3,462	$3,586	$4,029	$2,901	$5,124
46	$2,772	$3,571	$3,681	$4,205	$3,059	$5,359
47	$2,880	$3,686	$3,789	$4,388	$3,216	$5,607
48	$2,988	$3,802	$3,931	$4,580	$3,375	$5,868
49	$3,120	$3,930	$4,032	$4,780	$3,534	$6,143
50	$3,252	$4,115	$4,279	$5,021	$3,698	$6,434
51	$3,396	$4,397	$4,539	$5,275	$3,855	$6,740
52	$3,540	$4,666	$4,795	$5,542	$4,117	$7,063
53	$3,720	$4,954	$5,034	$5,822	$4,358	$7,402
54	$3,900	$5,254	$5,287	$6,117	$4,573	$7,759
55	$4,104	$5,587	$5,558	$6,426	$4,779	$8,133
56	$4,308	$5,850	$5,849	$6,751	$4,967	$8,524
57	$4,596	$6,144	$6,168	$7,092	$5,155	$8,932
58	$4,776	$6,451	$6,612	$7,451	$5,380	$9,356
59	$4,968	$6,790	$7,069	$7,827	$5,651	$9,796
60	$5,316	$7,251	$7,511	$8,481	$5,978	$10,250
平均保費	$3,487	$4,594	$4,726	$5,414	$3,952	$6,843

註：上述價錢為該年齡非吸煙者自願醫保「標準計劃」標準保費，更新至2021年4月1日
*保險公司C以下次生日年齡制定保費，因此上表顯示 42 至 61 歲保費
^保險公司D以最接近一個生日之已屆年齡制定保費

根據食物及衞生局網站，在41至60歲女性的年齡層，Bowtie「標準計劃」保費在調整後變為全港最平，而市場上最貴計劃的保費較最平計劃的高最多逾3倍，60歲的保費每年更相差逾$10,000。

年（歲）	最平	最貴
41	$2,664	$6,588
42	$2,784	$6,588
43	$2,916	$6,588
44	$3,036	$6,782
45	$3,168	$7,021
46	$3,312	$7,254
47	$3,456	$7,481
48	$3,612	$7,689
49	$3,768	$7,877
50	$3,864	$8,064
51	$3,936	$9,666
52	$4,020	$9,666
53	$4,092	$9,666
54	$4,176	$9,666
55	$4,272	$9,758
56	$4,380	$10,110
57	$4,512	$10,465
58	$4,632	$10,824
59	$4,788	$15,375
60	$5,112	$11,473

Bowtie 與 5 大保險公司保費比較

在 41 至 60 歲女性這個年齡層，市場上 5 大保險公司的平均保費約為 $4,595 至 $6,843，Bowtie 自願醫保「標準計劃」保費較市場平均保費低$770至$3,018。

年（歲）	Bowtie	保險公司A	保險公司B	保險公司C*	保險公司D^	保險公司E
41	$2,664	$4,314	$3,061	$4,518	$3,510	$4,289
42	$2,784	$4,679	$3,226	$4,686	$3,629	$4,484
43	$2,916	$4,928	$3,361	$4,859	$3,763	$4,687
44	$3,036	$5,126	$3,515	$5,039	$3,906	$4,900
45	$3,168	$5,299	$3,681	$5,226	$4,076	$5,124
46	$3,312	$5,344	$3,861	$5,419	$4,217	$5,359
47	$3,456	$5,382	$4,037	$5,620	$4,346	$5,607
48	$3,612	$5,408	$4,285	$5,828	$4,452	$5,868
49	$3,768	$5,427	$4,513	$6,043	$4,542	$6,143
50	$3,864	$5,427	$4,741	$6,213	$4,613	$6,434
51	$3,936	$5,530	$4,969	$6,387	$4,668	$6,740
52	$4,020	$5,619	$5,197	$6,567	$4,706	$7,063
53	$4,092	$5,728	$5,425	$6,751	$4,754	$7,402
54	$4,176	$5,888	$5,653	$6,940	$4,811	$7,759
55	$4,272	$6,055	$5,881	$7,135	$4,930	$8,133
56	$4,380	$6,176	$6,108	$7,335	$5,038	$8,524
57	$4,512	$6,336	$6,336	$7,541	$5,186	$8,932
58	$4,632	$6,516	$6,564	$7,753	$5,364	$9,356
59	$4,788	$6,771	$6,792	$7,970	$5,574	$9,796
60	$5,112	$7,155	$7,020	$8,491	$5,823	$10,250
平均保費	$3,825	$5,655	$4,911	$6,316	$4,595	$6,843