自願醫保
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41 至 60 歲 |
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| 男性 | |
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 歲男性這個年齡層，市場上 5 大保險公司的平均保費約為 $3,228 至 $8,857，而 Bowtie 自願醫保「標準計劃」的保費較市場平均保費低 $1,044 至 $3,541。
| 年（歲） | Bowtie | AIA | AXA | Bupa | Manulife | Prudential |
| 41 | $2,184 | $2,682 | $2,984 | $4,586 | $2,490 | $3,396 |
| 42 | $2,304 | $2,900 | $3,113 | $4,817 | $2,572 | $3,544 |
| 43 | $2,424 | $3,092 | $3,271 | $5,056 | $2,654 | $3,699 |
| 44 | $2,532 | $3,290 | $3,427 | $5,300 | $2,737 | $3,860 |
| 45 | $2,652 | $3,463 | $3,586 | $5,549 | $2,901 | $4,029 |
| 46 | $2,772 | $3,572 | $3,681 | $5,802 | $3,059 | $4,205 |
| 47 | $2,880 | $3,687 | $3,789 | $6,060 | $3,216 | $4,388 |
| 48 | $2,988 | $3,802 | $3,931 | $6,320 | $3,375 | $4,580 |
| 49 | $3,120 | $3,930 | $4,032 | $6,584 | $3,534 | $4,780 |
| 50 | $3,252 | $4,116 | $4,279 | $6,852 | $3,698 | $5,021 |
| 51 | $3,396 | $4,397 | $4,539 | $7,120 | $3,855 | $5,275 |
| 52 | $3,540 | $4,666 | $4,795 | $7,391 | $4,117 | $5,542 |
| 53 | $3,720 | $4,954 | $5,034 | $7,664 | $4,358 | $5,822 |
| 54 | $3,900 | $5,255 | $5,287 | $7,946 | $4,573 | $6,117 |
| 55 | $4,104 | $5,588 | $5,558 | $8,238 | $4,779 | $6,426 |
| 56 | $4,308 | $5,850 | $5,849 | $8,543 | $4,967 | $6,751 |
| 57 | $4,596 | $6,144 | $6,168 | $8,868 | $5,155 | $7,092 |
| 58 | $4,776 | $6,452 | $6,612 | $9,223 | $5,380 | $7,451 |
| 59 | $4,968 | $6,791 | $7,069 | $9,610 | $5,651 | $7,827 |
| 60 | $5,316 | $7,252 | $7,511 | $15,063 | $5,978 | $8,481 |
資料來源︰食物及衞生局
*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
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︰食物及衞生局
*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
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))
延伸閱讀︰【自願醫保保費】立即比較 6 間保險公司的「標準計劃」價錢！
Bowtie 限時家庭優惠
2020 年 9 月 30 日前，輸入優惠碼 「FAMILY」並為一家人成功投保自願醫保，每人可獲 $5,000BowtieCash^+門診服務#。即使個人成功投保亦即獎 $3,000BowtieCash 為你補貼超出賠償限額嘅醫療開支，入私家醫院有可能 $1 都唔使俾！
自願醫保常見問題
=> 自願醫保標準計劃（Standard Plan）與靈活計劃（Flexi Plan）有何分別？
Bowtie 醫療保險產品
註 1︰Bowtie 自願醫保標準計劃的保費近乎於所有年齡層為市場上最低，包括 0 至 75 歲的男性及女性；資料來自食衞局網頁於 2020 年 4 月 1 日提供的保費資料。
註 2︰根據食衞局網頁於 2019 年 6 月 26 日提供的保費資料。如對上述比較有任何查詢，歡迎聯絡 Bowtie 客戶服務專員查詢。
^BowtieCash 獎賞計劃 – 助你索償時，支付任何超過保泰自願醫保計劃賠償額的合資格醫療費用，須受有關條款約束。詳情請參閱推廣活動細則。
*本文章內容由 Bowtie 資訊團隊提供並只供參考，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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