© 櫻楹軒 SilverBlossoms 長者社區照顧劵 社會福利署認可單位：RSP128
WhatsApp 或致電我們： 6916 5194
櫻楹新聞

送飯、上門治療 覆蓋全香港、九龍及新界，
讓長者留在家中，也能享有安全、專業而有尊嚴的照護。

Featured image

長者如何加強財務設備與提升經濟安全性？

Blog, 健康與復康, 長者服務券
長者財務規劃與經濟安全
長者9大福利速覽
$1,640/月
高齡津貼（生果金）
$4,250/月
長者生活津貼（長生津）
$2,000/年
長者醫療券
$17,015/月
院舍券（護理安老）
免資產審查
高齡津貼（70歲+）：$1,640/月 ｜ 長者咭（65歲+）：各類優惠 ｜ 樂悠咭（65歲+）：$2乘車優惠
需經濟審查
長生津（65歲+）：$4,250/月 ｜ 院舍券：$17,015-$21,982/月 ｜ 社區券：按共同付款級別
醫療相關
長者醫療券：$2,000/年（累積上限$8,000）｜ 75歲+長生津受助人：豁免公營醫療費用
02
背景與用途

香港正面對前所未有的人口結構轉變。隨著平均壽命延長及出生率持續偏低，65歲以上長者佔總人口比例不斷攀升，社會對長者支援服務的需求因而日益殷切。

對於許多長者而言，退休後的收入來源驟然減少，而醫療、照護及日常開支卻可能因為身體機能退化而有增無減。這種收支失衡的狀況，若缺乏及早的規劃與準備，往往令長者陷入經濟困境。

重要數據：根據調查顯示，50歲以上族群中有高達75%自覺財務僅能勉強度日，反映長者加強財務規劃的逼切性。
03
9大政府津貼及資助
高齡津貼（生果金）
70歲+｜連續居港7年｜每月$1,640｜無需資產審查
長者生活津貼（長生津）
65歲+｜需入息及資產審查｜每月$4,250｜單身資產上限$40.5萬
長者醫療券
65歲+｜每年$2,000｜累積上限$8,000｜看中醫/西醫/牙科/眼科
院舍照顧服務券（院舍券）
護理安老：$17,015/月｜護養院：$21,982/月｜2026-27增至7,000張
社區照顧服務券（社區券）
通過安老服務統一評估｜按共同付款級別資助｜家居照顧服務
長者咭
65歲+｜年齡身份證明｜享有各類商戶及設施長者優惠
樂悠咭
65歲+｜每程$2乘車優惠｜港鐵/巴士/渡輪適用
醫療費用減免
75歲+長生津受助人｜豁免公營醫療收費｜院舍券級別0同樣適用
04
申請流程
01
確認適合的資助項目
根據年齡、資產及需要，選擇可申請的津貼或服務券
02
準備所需文件
身份證、住址證明、資產及入息證明（銀行月結單、強積金紀錄等）
03
遞交申請
親自或委託親友前往社署分區辦事處｜郵寄申請｜網上下載表格
04
福利發放
社署安排審批｜一般約4至8星期｜款項自動轉帳
申請小貼士：確保文件齊備且在有效期內｜如有疑問可向社署查詢｜行動不便者可委託家人或社工代為跟進｜定期留意政府公布的最新的資助金額及資格條件。
05
常見問題
Q1：長者生活津貼與高齡津貼有何分別？如何選擇？
高齡津貼（生果金）不設資產審查，70歲+長者均可申請，每月$1,640。長者生活津貼（長生津）設有入息及資產限額，資助金額較高，每月$4,250。兩者可同時領取。若資產超過長生津限額，則只可領取生果金。建議先了解個人資產狀況再決定申請哪項。
Q2：長者醫療券每年發放多少？可以累積使用嗎？
每年發放$2,000醫療券，可用於已登記的西醫、中醫、牙科及視光服務。醫療券可累積使用，累積上限為$8,000，長者無需在一年內用盡，可按需要在往後年度繼續使用。求診前宜先確認服務提供者是否已登記參加計劃。
Q3：院舍券需要輪候多久？審批時間多久？
院舍券採用「邀請制」，申請人須先在中央輪候冊輪候被評定為適合院舍照顧服務。實際輪候時間視乎評估結果及供求情況。社署收到完整文件後，一般約需8星期完成審批。合資格長者收到院舍券後可獲6個月試用期。
Q4：長者咭有什麼用途？如何申請？
長者咭是65歲+香港居民的年齡證明，持咭人可享有政府部門、公共機構及商戶提供的各類長者優惠及折扣，涵蓋食肆、交通、康樂設施等。申請方法：郵寄、網上或親身遞交至長者咭辦事處，所需文件包括香港身份證副本及近照。
Q5：75歲或以上的長者可否獲豁免公立醫療費用？
可以。75歲或以上並正在領取長者生活津貼（包括廣東計劃及福建計劃下受惠人）的長者，可獲豁免公營醫療服務收費。院舍券級別0持有人同樣適用。每次求診時出示身份證明文件，職員透過聯機查詢系統確認資格後即可獲豁免。
Q6：長者應如何加強財務規劃？
建議長者：定期檢視個人收支狀況｜善用政府各項津貼及資助計劃｜量入為出，避免高風險投資｜如有需要可諮詢專業理財顧問或社福機構意見。櫻楹軒亦可為長者及其家屬提供相關資訊及支援。
06
總結

人口老化是香港社會無可回避的趨勢。從高齡津貼、長者生活津貼，到醫療券、院舍券及社區券，政府多年來持續優化各項支援措施。然而，面對漫長的退休歲月，單靠政府資助並不足够，長者自身亦需具備理財意識及規劃能力，方能真正確保晚年的經濟安全。

  • 高齡津貼（生果金）：70歲+｜$1,640/月｜免資產審查
  • 長者生活津貼：65歲+｜$4,250/月｜需經濟審查｜單身資產上限$40.5萬
  • 長者醫療券：65歲+｜$2,000/年｜累積上限$8,000
  • 院舍券：護理安老$17,015/月｜護養院$21,982/月｜2026-27增至7,000張
  • 社區券：按共同付款級別｜家居照顧服務
  • 長者咭：65歲+｜各類商戶及設施優惠
  • 樂悠咭：65歲+｜$2乘車優惠覆蓋港鐵/巴士/渡輪
  • 75歲+長生津受助人：豁免公營醫療費用
07
延伸閱讀
08
參考文章
  1. 院舍券懶人包｜最高獲$2.1萬資助 最快2個月審批 — UHK 港生活
  2. 長者津貼2025｜22大優惠+福利 — 香港01
  3. 長者津貼2026福利24大｜$50補牙/醫療券/電費4折 — 香港01
  4. 北上安老 雙城福利齊享 — 信報

（以上連結最後查閱時間：2026年5月）

09
聯絡我們

歡迎聯絡櫻楹軒專業團隊，了解更多關於各項長者津貼及資助計劃的申請詳情。我們的工作人員熟悉各項福利的申請流程，能根據長者的個人情況提供適切的資訊及建議。

櫻楹軒
SilverBlossoms
長者社區照顧券
專業團隊，幫你制定個人化照顧計劃
服務時間：星期一至日 9:00-18:00
6916 5194

WhatsApp 查詢

Prof Simon Ng Siu Man

  • Chairman and Wei Lun Professor of Surgery, Department of Surgery, The Chinese University of Hong Kong (CUHK)
  • Chief, Division of Colorectal Surgery, Department of Surgery, CUHK
  • Cluster Service Team Head in Colorectal Surgery, New Territories East Cluster, Hospital Authority
  • Honorary Consultant, Division of Colorectal Surgery, Department of Surgery, Prince of Wales Hospital
  • Associate Dean (Student Affairs), Faculty of Medicine, CUHK
  • Head of Surgery, CUHK Medical Centre
  • Immediate Past President, Hong Kong Society for Coloproctology
  • Secretary General, Asia Pacific Endo-Lap Surgery (APELS) Group
  • International Chair, Global Reach Committee, European Society of Coloproctology
  • Regional Vice President, International Society of University Colon and Rectal Surgeons
  • Executive Committee Member, Asian Robotic Camp for Colorectal Surgeons (ARCCS)
  • Honorary Member, Korean Society of Coloproctology
  • Honorary Member, Korean Association of Robotic Surgeons
  • Faculty, Scuola di Chirurgia Robotica (School of Robotic Surgery), Grosseto, Italy
  • Honorary Member, Russian Society of Colorectal Surgeons
  • Council Member, Hong Kong IBD Society
  • Council Member, Hong Kong Society of Robotic Surgery
  • Honorary Advisor, Hong Kong Society of Digestive Oncology

Dr. Dennis Ng (NDH)

  • Consultant and Deputy COS, Department of Surgery, North District Hospital
  • Honorary Clinical Associate Professor (Surgery), Faculty of Medicine, CUHK
  • Council Member, The College of Surgeons of Hong Kong
  • Trainer in General Surgery and Colorectal Subspecialty, The College of Surgeons of Hong Kong
  • President, Hong Kong Society of Minimal Access Surgery
  • Vice-President, Hong Kong Hernia Society
  • Honorary Secretary, Hong Kong Endoscopic Ultrasound Society

Professor Michael Li ( Private Practice )

BBS MBBS (London), FRCS (Eng), FRCSEd, FCSHK, FHKAM (Surgery)

  • Honorary Consultant, General Surgery, Hong Kong Sanatorium & Hospital, Hong Kong
  • Director, Minimally Invasive & Robotic Surgery Development, Hong Kong Sanatorium & Hospital, Hong Kong
  • Honorary Clinical Associate Professor in Surgery, Department of Surgery, Prince of Wales Hospital, Faculty of Medicine, The Chinese University of Hong Kong
  • Honorary Clinical Associate Professor in Family Medicine & Primary Care, Faculty of Medicine, The University of Hong Kong
  • Honorary Consultant in Surgery, Pamela Youde Nethersole Eastern Hospital, Hong Kong
  • Honorary Fellow of the American College of Surgeons (ACS)
  • Honorary Fellow of The American Society of Colon and Rectal Surgeons (ASCRS)
  • Honorary Fellow of The College of Surgeons of Hong Kong
  • Chairman, Asia Pacific Endo-Lap Surgery Group
  • Secretary General, The Asian-Pacific Society for Digestive Endoscopy
  • Council Member, International Federation of Societies of Endoscopic Surgeons (IFSES)
  • Honorary Advisory Governor HK, Board of Governors, Endoscopic & Laparoscopic Surgeons of Asia (ELSA)
  • Member of Board of Director, Asian Pacific Digestive Week Federation
  • Advisory Board, Mekong Endo Surgery Development Association (MESDA)
  • Honorary Member, Hong Kong Hernia Society
  • Council Member, President (2011-2013, Aug 2016-Aug 2017), Hong Kong Society for Coloproctology
  • Council Member, Hong Kong Society of Digestive Endoscopy
  • Council Member, President (1997), Hong Kong Society of Minimal Access Surgery
  • Council Member, Hong Kong Society of Robotic Surgery
  • Associate Editor, Asian Journal of Endoscopic Surgery

Dr. Vienna NG (PWH)

Honorary Secretary

  • Associate Consultant, Division of Colorectal Surgery, Department of Surgery, Prince of Wales Hospital
  • Honorary Clinical Assistant Professor, Department of Surgery, Faculty of Medicine, The Chinese University of Hong Kong
  • Trainer in General Surgery, The College of Surgeons of Hong Kong

Dr. Henry Joeng ( UCH )

Honorary Treasurer

  • Chief of Service, Department of Surgery, United Christian Hospital, Hong Kong
  • Consultant, Division of Colorectal Surgery, Department of Surgery, United Christian Hospital, Hong Kong
  • Honorary Clinical Associate Professor, Faculty of Medicine, The University of Hong Kong
  • Honorary Clinical Associate Professor, Faculty of Medicine, The Chinese University of Hong Kong
  • Examiner for the Fellowship Examination in General Surgery, The College of Surgeons of Hong Kong
  • Trainer in Subspecialty of Colorectal Surgery and Trainer in General Surgery, The College of Surgeons of Hong Kong
  • Member of Scientific Committee, Conjoint Scientific Congress 2020-2025, The College of Surgeons of Hong Kong
  • Editorial Board Member, Official Journal of The College of Surgeons of Hong Kong (Surgical Practice)

Dr. CHAN Wai Hong ( PYNEH )

  • Consultant in PYNEH surgery

  • Trainer in general surgery and colorectal subspecialty, the college of surgeons of Hong Kong

Dr. Jennifer Chiu (KWH)

  • MBChB, FRCSEd, FCSHK,

  • FHKAM (Surgery)

  • Associate Consultant, Division of Colorectal Surgery, Department of Surgery, Kwong Wah Hospital

Dr. Felix CL Chow (QMH)

  • MBBS, MPH, FRCSEd, FCSHK,

  • FHKAM (Surgery)

  • Associate Consultant, Division of Colorectal Surgery, Department of Surgery, Queen Mary Hospital

Dr. C.C. CHUNG (Private Practice)

  • Specialist in General Surgery
  • Honorary Clinical Associate Professor, The Chinese University of Hong Kong
  • Honorary Consultant, Hong Kong Sanatorium & Hospital

Dr. Dominic Chi-chung FOO (HKU)

  • MBBS, MS, FRCSEd, FCSHK,

  • FHKAM (Surgery)

  • Clinical Associate Professor, Division of Colorectal Surgery, Department of Surgery, School of Clinical Medicine, The University of Hong Kong

Dr. Ho Man Fung (Private)

    • Consultant Surgeon – Chinese University of Hong Kong Medical Center
    • Consultant Surgeon – Hong Kong Adventist Hospital – Stubbs Road
    • Honorary Assistant Professor – Division of Colorectal Surgery, Department of Surgery, Faculty of Medicine, Chinese University of Hong Kong
    • Council Member – Hong Kong Society of Coloproctology, Hong Kong Society of Robotic Surgery
    • Trainer – General Surgery / Colorectal Surgery, College of Surgeons of Hong Kong
    • Member – European Society of Coloproctology / Asia Pacific Endo-Lap Surgery Group / Asia-Pacific hernia Society / Hong Kong Society of Minimal Assess Surgery / Hong Kong Hernia Society

Dr. KONG Chi Kwan (YCH)

  • Consultant, Department of Surgery, Yan Chai Hospital
  • Honorary Clinical Associate Professor, Department of Surgery, the University of Hong Kong
  • Honorary Clinical Associate Professor, Department of Surgery, The Chinese University of Hong Kong
  • Honorary Clinical Supervisor of Basic Trainees in Family Medicine, The Hong Kong College of Family Physicians

Dr. Kwok Kam Hung ( QEH )

  • Department of Surgery, Queen Elizabeth Hospital, Hong Kong

Dr. LAU Chi Wai (PYNEH)

  • Consultant, Department of Surgery, Pamela Youde Nethersole Eastern Hospital
  • Honorary Clinical Associate Professor, Department of Surgery, The Chinese University of Hong Kong
  • Honorary Clinical Associate Professor, Department of Surgery, The University of Hong Kong

Dr. Michelle Lo (TMH)

  • MBChB, FRCSEd, FCSHK,

  • FHKAM (Surgery)

  • Associate Consultant,Division of Colorectal Surgery,Department of Surgery,Tuen Mun Hospital

Dr. Tony Mak (Private Practice)

  • MBChB, MD(Manc),FRCS(Eng+Edin)

  • FCSHK ad eundem.

  • Honorary Clinical Associate Professor (CUHK)

  • Private Practice

Dr. SI Lok Ping (YCH)

  • Consultant, Department of Surgery, Yan Chai Hospital
  • Team Head, Team of Colorectal Surgery, Department of Surgery, Yan Chai Hospital
  • Honorary Clinical Associate Professor, Department of Surgery, LKS Faculty of Medicine, HKU

Dr. Wong Po Yan Sabrina (PMH)

  • MBBS. FCSHK. FRCSEd

  • FHKAM (Surgery)

  • Consultant, Department of Surgery, Princess Margaret Hospital

Dr. CHU Simon ( PWH )

President

  • Consultant, Division of Colorectal Surgery, Department of Surgery, Prince of Wales Hospital
  • Honorary Clinical Associate Professor, Department of Surgery, Faculty of Medicine, The Chinese University of Hong Kong
  • Trainer in Subspecialty of Colorectal Surgery, The College of Surgeons of Hong Kong
  • Trainer in General Surgery, The College of Surgeons of Hong Kong