Medical Products
Personal Accident Products
The following table shows the historical premium increase rates.
| Years | Historical Premium Increase Rates | Highlight of benefit enhancement |
| 2019 | ||
| 2020 | ||
| 2021 | ||
| 2022 | ||
| 2023 |
| Years | 2019 | 2020 | 2021 | 2022 | 2023 |
| Historical Premium Increase Rates | |||||
| Highlight of benefit enhancement |
Notes:
- The historical premium increase rate is not an indicator of future premium increase.
- The historical premium increase rate are calculated based on standard premium as of relevant calendar year and have been rounded to the nearest percentage point.
- Medical product(s) that is/are launched in the current calendar year may not be available in the above selection field under "product name". Only medical product(s) with inforce policies is/are available for selection.
- The historical premium increase rate would be shown as "N/A" (i.e. not applicable) if the relevant product/plan level had not yet launched for that calendar year.
- The selection fields of "gender" and "attained age" refer to the insured’s gender and attained age at the policy anniversary of the relevant calendar years. However, the timing of premium adjustment may differ if the policy anniversary date is different. The premium increase rate is calculated based on the assumption that the policy anniversary date is December 31.
- Smoking status refers to the insured’s smoking status declared during application, which may result in difference in premium. For product with premium not differentiated by smoking status, "N/A" is displayed as smoking status.
- The table above reflects premium increase up to last calendar year end and does not reflect the premium increase for current calendar year.
The following table shows the historical premium increase rates.
| Years | Historical Premium Increase Rates | Highlight of benefit enhancement |
| 2019 | ||
| 2020 | ||
| 2021 | ||
| 2022 | ||
| 2023 |
| Years | 2019 | 2020 | 2021 | 2022 | 2023 |
| Historical Premium Increase Rates | |||||
| Highlight of benefit enhancement |
Notes:
- The historical premium increase rate is not an indicator of future premium increase.
- The historical premium increase rate is calculated based on standard premium as of relevant calendar year and has been rounded to the nearest percentage point.
- For some products, the premium increase rate shown is for optional Accidental Medical Expenses Reimbursement ("AMR") benefit only.
- Only products with AMR benefit(s) and have inforce policies are available for selection. Product(s) with AMR benefit that is/are launched in the current calendar year may not be available in the above the selection field under "product name".
- The historical premium increase rate would be shown as "N/A" (i.e. not applicable) if the relevant product/plan level had not yet launched for that calendar year.
- The selection fields of gender, attained age refer to the insured’s gender and attained age at the policy anniversary of the relevant calendar year. For product with premium not differentiated by the selection fields, "N/A" is selected.
- The timing of premium adjustment may differ if the anniversary date is different. The premium increase rate is calculated based on the assumption that the policy anniversary date is December 31.
- The table above reflects premium increase up to last calendar year end and does not reflect the premium increase for current calendar year.