自願醫保
中年男性
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，較最貴的計劃平最多 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） | Bowtie | 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
中年女性
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，較最貴計劃平逾 3 倍，60 歲的保費每年更相差逾 $10,000。
| 年（歲） | Bowtie | 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 |
- 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
想為其他家庭成員即時報價？
- 註︰以上計算的保費僅供參考，你實際需要繳交的保費受時間、通脹、核保等因素影響，並需加上保險業監管局徵收的保費徵費，請下載並查閱標準保費表(標準/靈活(基本)/靈活(升級))
自願醫保常見問題
延伸閱讀
資料來源
本文章內容由 Bowtie 團隊 提供並只供參考，不代表 Bowtie 立場，Bowtie 對任何人因使用或誤用任何信息或內容，或對其依賴而造成的任何損失或損害，不承擔任何責任。
相關文章
