Hey , thanks a lot for the meaningful comment!
I agree that there are always exceptions, like the excellent example presented in your comment, but if you would simply have to quickly choose between saving a young, healthy, smiling girl or an old, very sick, barely moving lady (and you don't know other details about them), wouldn't you choose saving the young girl?
Human value absolutely boils down to the three categories you listed, but ultimately it's who determines the criteria that determines each ones value, no?
I fully agree with this and I believe that it's completely impossible to set perfect (or near perfect) criteria for this. That's probably the reason we usually stick to not comparing the value of different human lives, except when absolutely necessary in extreme situations.
RE: What is the value of a human life? Are we really all equal?