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 2 倍，60 歲每年的保費更平超過 $9,700，省下來的金錢足以幫 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 | $6,708 |
| 50 | $3,252 | $6,880 |
| 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 | $10,022 |
| 57 | $4,596 | $10,608 |
| 58 | $4,776 | $11,780 |
| 59 | $4,968 | $12,952 |
| 60 | $5,316 | $15,063 |
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$3,998至$8,711，Bowtie自願醫保「標準計劃」保費較市場平均保費低$1,334至$3,599。
| 年（歲） | Bowtie | AIA | AXA | Bupa | Manulife | Prudential |
| 41 | $2,664 | $4,314 | $3,061 | $4,586 | $3,510 | $4,518 |
| 42 | $2,784 | $4,679 | $3,226 | $4,817 | $3,629 | $4,686 |
| 43 | $2,916 | $4,928 | $3,361 | $5,056 | $3,763 | $4,859 |
| 44 | $3,036 | $5,127 | $3,515 | $5,300 | $3,906 | $5,039 |
| 45 | $3,168 | $5,300 | $3,681 | $5,549 | $4,076 | $5,226 |
| 46 | $3,312 | $5,344 | $3,861 | $5,802 | $4,217 | $5,419 |
| 47 | $3,456 | $5,383 | $4,037 | $6,060 | $4,346 | $5,620 |
| 48 | $3,612 | $5,408 | $4,285 | $6,320 | $4,452 | $5,828 |
| 49 | $3,768 | $5,428 | $4,513 | $6,584 | $4,542 | $6,043 |
| 50 | $3,864 | $5,428 | $4,741 | $6,852 | $4,613 | $6,213 |
| 51 | $3,936 | $5,530 | $4,969 | $7,120 | $4,668 | $6,387 |
| 52 | $4,020 | $5,620 | $5,197 | $7,391 | $4,706 | $6,567 |
| 53 | $4,092 | $5,728 | $5,425 | $7,664 | $4,754 | $6,751 |
| 54 | $4,176 | $5,888 | $5,653 | $7,946 | $4,811 | $6,940 |
| 55 | $4,272 | $6,055 | $5,881 | $8,238 | $4,930 | $7,135 |
| 56 | $4,380 | $6,176 | $6,108 | $8,543 | $5,038 | $7,335 |
| 57 | $4,512 | $6,336 | $6,336 | $8,868 | $5,186 | $7,541 |
| 58 | $4,632 | $6,516 | $6,564 | $9,223 | $5,364 | $7,753 |
| 59 | $4,788 | $6,772 | $6,792 | $9,610 | $5,574 | $7,970 |
| 60 | $5,112 | $7,156 | $7,020 | $15,063 | $5,823 | $8,491 |
資料來源
- *保誠以下次生日年齡制定保費，因此上表顯示 42 至 61 歲保費
- 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。
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近2倍，58歲至60歲的保費每年更相差逾$7,000。
| 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 | $10,608 |
| 58 | $4,632 | $11,780 |
| 59 | $4,788 | $12,952 |
| 60 | $5,112 | $15,063 |
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$3,998至$8,711，Bowtie自願醫保「標準計劃」保費較市場平均保費低$1,334至$3,599。
| 年（歲） | Bowtie | AIA | AXA | Bupa | Manulife | Prudential |
| 41 | $2,664 | $4,314 | $3,061 | $4,586 | $3,510 | $4,518 |
| 42 | $2,784 | $4,679 | $3,226 | $4,817 | $3,629 | $4,686 |
| 43 | $2,916 | $4,928 | $3,361 | $5,056 | $3,763 | $4,859 |
| 44 | $3,036 | $5,127 | $3,515 | $5,300 | $3,906 | $5,039 |
| 45 | $3,168 | $5,300 | $3,681 | $5,549 | $4,076 | $5,226 |
| 46 | $3,312 | $5,344 | $3,861 | $5,802 | $4,217 | $5,419 |
| 47 | $3,456 | $5,383 | $4,037 | $6,060 | $4,346 | $5,620 |
| 48 | $3,612 | $5,408 | $4,285 | $6,320 | $4,452 | $5,828 |
| 49 | $3,768 | $5,428 | $4,513 | $6,584 | $4,542 | $6,043 |
| 50 | $3,864 | $5,428 | $4,741 | $6,852 | $4,613 | $6,213 |
| 51 | $3,936 | $5,530 | $4,969 | $7,120 | $4,668 | $6,387 |
| 52 | $4,020 | $5,620 | $5,197 | $7,391 | $4,706 | $6,567 |
| 53 | $4,092 | $5,728 | $5,425 | $7,664 | $4,754 | $6,751 |
| 54 | $4,176 | $5,888 | $5,653 | $7,946 | $4,811 | $6,940 |
| 55 | $4,272 | $6,055 | $5,881 | $8,238 | $4,930 | $7,135 |
| 56 | $4,380 | $6,176 | $6,108 | $8,543 | $5,038 | $7,335 |
| 57 | $4,512 | $6,336 | $6,336 | $8,868 | $5,186 | $7,541 |
| 58 | $4,632 | $6,516 | $6,564 | $9,223 | $5,364 | $7,753 |
| 59 | $4,788 | $6,772 | $6,792 | $9,610 | $5,574 | $7,970 |
| 60 | $5,112 | $7,156 | $7,020 | $15,063 | $5,823 | $8,491 |
資料來源
- *保誠以下次生日年齡制定保費，因此上表顯示42至61歲保費
- 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。
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
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。
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