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 | $6,588 |
| 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 | $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 $4,273 至 $5,475，Bowtie 自願醫保「標準計劃」保費較市場平均保費低 $786 至 $1,988。
| 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 | $2,557 | $2,984 | $3,396 | $2,692 | $3,431 | |
| 42 | $2,304 | $2,765 | $3,113 | $3,544 | $2,781 | $3,587 | |
| 43 | $2,424 | $2,948 | $3,271 | $3,699 | $2,870 | $3,750 | |
| 44 | $2,532 | $3,137 | $3,427 | $3,860 | $2,959 | $3,920 | |
| 45 | $2,652 | $3,302 | $3,586 | $4,029 | $3,136 | $4,099 | |
| 46 | $2,772 | $3,406 | $3,681 | $4,205 | $3,307 | $4,287 | |
| 47 | $2,880 | $3,516 | $3,789 | $4,388 | $3,476 | $4,486 | |
| 48 | $2,988 | $3,625 | $3,931 | $4,580 | $3,649 | $4,694 | |
| 49 | $3,120 | $3,747 | $4,032 | $4,780 | $3,821 | $4,914 | |
| 50 | $3,252 | $3,924 | $4,279 | $5,021 | $3,998 | $5,147 | |
| 51 | $3,396 | $4,193 | $4,539 | $5,275 | $4,168 | $5,392 | |
| 52 | $3,540 | $4,450 | $4,795 | $5,542 | $4,450 | $5,650 | |
| 53 | $3,720 | $4,724 | $5,034 | $5,822 | $4,711 | $5,922 | |
| 54 | $3,900 | $5,011 | $5,287 | $6,117 | $4,944 | $6,207 | |
| 55 | $4,104 | $5,328 | $5,558 | $6,426 | $5,166 | $6,506 | |
| 56 | $4,308 | $5,578 | $5,849 | $6,751 | $5,369 | $6,819 | |
| 57 | $4,596 | $5,859 | $6,168 | $7,092 | $5,574 | $7,146 | |
| 58 | $4,776 | $6,153 | $6,612 | $7,451 | $5,816 | $7,485 | |
| 59 | $4,968 | $6,476 | $7,069 | $7,827 | $6,109 | $7,837 | |
| 60 | $5,316 | $6,915 | $7,511 | $8,481 | $6,462 | $8,200 | |
| 平均保費 | $3,487 | $4,381 | $4,726 | $5,414 | $4,273 | $5,474 | |
- 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10月29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 $4,911 至 $6,316，Bowtie 自願醫保「標準計劃」保費較市場平均保費低 $1,086 至 $2,491。
| 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 | $4,113 | $3,061 | $4,518 | $3,795 | $3,431 |
| 42 | $2,784 | $4,462 | $3,226 | $4,686 | $3,923 | $3,587 |
| 43 | $2,916 | $4,699 | $3,361 | $4,859 | $4,068 | $3,750 |
| 44 | $3,036 | $4,889 | $3,515 | $5,039 | $4,222 | $3,920 |
| 45 | $3,168 | $5,054 | $3,681 | $5,226 | $4,406 | $4,099 |
| 46 | $3,312 | $5,096 | $3,861 | $5,419 | $4,559 | $4,287 |
| 47 | $3,456 | $5,133 | $4,037 | $5,620 | $4,698 | $4,486 |
| 48 | $3,612 | $5,157 | $4,285 | $5,828 | $4,813 | $4,694 |
| 49 | $3,768 | $5,175 | $4,513 | $6,043 | $4,911 | $4,914 |
| 50 | $3,864 | $5,175 | $4,741 | $6,213 | $4,987 | $5,147 |
| 51 | $3,936 | $5,273 | $4,969 | $6,387 | $5,046 | $5,392 |
| 52 | $4,020 | $5,358 | $5,197 | $6,567 | $5,087 | $5,650 |
| 53 | $4,092 | $5,462 | $5,425 | $6,751 | $5,140 | $5,922 |
| 54 | $4,176 | $5,615 | $5,653 | $6,940 | $5,201 | $6,207 |
| 55 | $4,272 | $5,774 | $5,881 | $7,135 | $5,330 | $6,506 |
| 56 | $4,380 | $5,890 | $6,108 | $7,335 | $5,446 | $6,819 |
| 57 | $4,512 | $6,042 | $6,336 | $7,541 | $5,606 | $7,156 |
| 58 | $4,632 | $6,213 | $6,564 | $7,753 | $5,799 | $7,485 |
| 59 | $4,788 | $6,458 | $6,792 | $7,970 | $6,026 | $7,837 |
| 60 | $5,112 | $6,824 | $7,020 | $8,491 | $6,295 | $8,200 |
| 平均保費 | $3,825 | $5,395 | $4,911 | $6,316 | $4,968 | $5,474 |
- 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10月29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
Bowtie 提供多種不同的自願醫保計劃，而每個計劃都提供不同的保障，按此了解不同計劃的分別！使用下列計算機，更可為自己及家人報價，了解不同計劃的每月保費大約多少錢！
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
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