This page is the master list of sources cited across insurancehk.si, grouped by publisher, with the title, date, link and use on this site for each. It was compiled on 24 October 2026. The "Date" column gives the publication or effective date; for web pages without a clear publication date, the access date is given. Regulatory documents are revised from time to time, so check the latest version on the publisher's official website before relying on them.
How to use this list and source grading
| Grade | Meaning | How it is cited in the text |
|---|---|---|
| Primary | Original documents from regulators, government departments, statutory bodies or the insurer concerned | Quoted directly, with publisher and date |
| Secondary | Summaries of primary documents, or independently compiled data, from law firms, actuarial consultants or the media | Marked "according to X's interpretation / report"; third-party indices are marked "unofficial data" |
The "Use" column lists the slugs of the pages on this site that cite each source. For some IA documents, a copy in the HKMA document library is also listed, and cross-checked against the IA consumer education website and government press releases. This site does not use any insurer's internal materials, commission schedules or client information.
Insurance Authority (IA)
| Publisher | Title | Date | Link | Use |
|---|---|---|---|---|
| IA | Press release: new insurance intermediary regulatory regime commences (from 2019-09-23) | 2019-05-14 | https://www.ia.org.hk/en/infocenter/press_releases/20190514.html | regulation, overview |
| IA | Circular – GL34 Guideline on Governance of Participating Business | 2024-06-14 | https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_20240614_GL34.pdf | regulation, participating-savings |
| IA | GL16 Guideline on Underwriting Long Term Insurance Business (2026 revision) | issued 2026-02-06 | https://www.ia.org.hk/en/legislative_framework/files/GL16.pdf | participating-savings, fulfillment-ratio |
| IA | Interpretation Notes – GL16: Fulfillment Ratios & Historical Crediting Interest Rates | 2023-02 (effective 2024-01-01) | https://ia.org.hk/sc/legislative_framework/files/Interpretation_Notes_GL16.pdf; backup copy https://kennedyslaw.com/media/ho4js4ou/interpretation-notes.pdf | fulfillment-ratio, overview, product-landscape, compare, misconceptions, faq |
| IA | Practice Note on Illustration Rate Caps (circular) | 2025-02-28 | https://ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_28022025.pdf | participating-savings, misconceptions |
| IA (copy in HKMA document library) | Practice Note on Illustration Rate Caps in Benefit Illustration for Participating Policies | 2025-02-28 (effective 2025-07-01) | https://brdr.hkma.gov.hk/eng/doc-ldg/docId/getPdf/20250228-5-EN/20250228-5-EN.pdf | overview, faq, participating-savings |
| IA | GL29 Guideline on Cooling-off Period | effective 2019-09-23 | https://www.ia.org.hk/en/legislative_framework/files/GL29.pdf | process, mainland-visitors, misconceptions |
| IA | GL30 Guideline on Financial Needs Analysis | effective 2019-09-23 | https://www.ia.org.hk/en/legislative_framework/files/GL30.pdf | process, regulation |
| IA | 保险公司分红实现率的网站列表 (list of insurers' fulfilment ratio web pages) | accessed 2026-10-24 | https://www.ia.org.hk/sc/fulfillment_ratio/list_of_insurer.html | fulfillment-ratio |
| IA | Premium levy rate to be adjusted to 0.1% on 1 April 2021 | 2021-03-31 | https://www.ia.org.hk/en/infocenter/press_releases/20210331.html | process |
| Office of the Commissioner of Insurance (IA predecessor) | Circular on Important Facts Statement for Mainland Policyholders | 2016-07-08 (effective 2016-09-01) | https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/cir_20160708.pdf | mainland-visitors, process |
| Office of the Commissioner of Insurance (IA predecessor) | IFS-MP specimen | 2016-07 | https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/ifs-mp.pdf | mainland-visitors |
| IA consumer education website | Tips on buying insurance | revised 2022-08-29 | https://education.ia.org.hk/en/faq.html | mainland-visitors, claims-pps, process, misconceptions |
| IA consumer education website | Insurance products – Life insurance (same in Simplified Chinese version) | revised 2022-08-29 | https://education.ia.org.hk/en/product/life-insurance.html | product-landscape, misconceptions |
| IA consumer education website | 保险产品 – 年金 (Insurance products – Annuity) | revised 2022-08-29 | https://education.ia.org.hk/sc/product/annuity.html | annuity |
| IA consumer education website | Critical illness insurance | revised 2022-08-29 | https://education.ia.org.hk/en/product/critical-illness-insurance.html | health-insurance, product-landscape |
| IA | Critical illness insurance – Points to note when buying insurance | accessed 2026-10-24 | https://www.ia.org.hk/en/critical_illness_insurance/points_to_note_when_buying_insurance.html | health-insurance |
| IA | Critical Illness Insurance leaflet | accessed 2026-10-24 | https://ia.org.hk/en/infocenter/files/critical_illness_insurance_leaflet_eng.pdf | health-insurance, claims-pps |
| IA | Qualifying Deferred Annuity Policy page | accessed 2026-10-24 | https://ia.org.hk/en/qualifying_deferred_annuity_policy/index.html | annuity |
| IA | GL19 Guideline on Qualifying Deferred Annuity Policy | 2019-03 | https://www.ia.org.hk/en/legislative_framework/files/GL19.pdf | annuity |
| IA | Insurance Authority releases provisional statistics for 2024 | 2025-04-25 | https://www.ia.org.hk/en/infocenter/press_releases/20250425.html | overview, mainland-visitors |
| IA | Insurance Authority releases provisional statistics for 2025 | 2026-04-24 | https://www.ia.org.hk/en/infocenter/press_releases/20260424.html | overview |
| IA | Provisional statistics for the first quarter of 2026 (press release) | 2026-07-24 | Reported by a law firm and the media; see secondary sources below | — |
| IA | Provisional statistics for the first half of 2026 (press release) | 2026-10-23 | Reported by the media; see secondary sources below | overview |
| IA | Statistics – Insurance Intermediary Licence; Register of Authorized Insurers | as at 2025-12-31 | https://www.ia.org.hk/en/infocenter/statistics/statistics.html; https://www.ia.org.hk/en/supervision/reg_insurers_lloyd/register_of_authorized_insurers.html | regulation |
Hong Kong Monetary Authority, The Hong Kong Mortgage Corporation and the Investor and Financial Education Council
Hong Kong Monetary Authority (HKMA) and The Hong Kong Mortgage Corporation (HKMC)
| Publisher | Title | Date | Link | Use |
|---|---|---|---|---|
| IA (copy in HKMA document library) | Circular on the supervisory standards and key requirements on the use of premium financing | 2022-04-01 (effective 2023-01-01) | https://brdr.hkma.gov.hk/eng/doc-ldg/docId/getPdf/20220401-6-TC/20220401-6-TC.pdf | policy-loans-financing, process |
| IA / HKMA | Findings from IA-HKMA joint inspection exercise on premium financing | 2024-06-27 | https://brdr.hkma.gov.hk/eng/doc-ldg/docId/getPdf/20240627-1-TC/20240627-1-TC.pdf | policy-loans-financing |
| HKMA | Premium Financing (Smart Consumers) | revised 2024-01-24 | https://www.hkma.gov.hk/eng/smart-consumers/premium-financing/ | policy-loans-financing, misconceptions |
| IA / HKMA | Indexed Universal Life Insurance Products for Professional Investors (joint circular) | 2025-03-13 | https://brdr.hkma.gov.hk/chi/doc-ldg/docId/getPdf/20250313-8-TC/20250313-8-TC.pdf | product-landscape |
| HKMA (republishing an HKMC press release) | Policy Reverse Mortgage Programme Opens for Applications from 30 May | 2019-05-29 | https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/05/20190529-4 | policy-loans-financing |
| HKMC | Policy Reverse Mortgage Programme | accessed 2026-10-24 | https://www.hkmc.com.hk/eng/our_business/policy_reverse_mortgage_programme.html | policy-loans-financing |
Investor and Financial Education Council (IFEC)
| Publisher | Title | Date | Link | Use |
|---|---|---|---|---|
| IFEC | 保单红利成绩表：分红实现率 (A report card for policy bonuses: the fulfilment ratio) | 2022-12 | https://www.ifec.org.hk/web/sc/blog/2022/12/understanding-the-fulfillment-ratio-of-participating-policies.page | fulfillment-ratio, misconceptions |
| IFEC | Regulatory measures of ILAS | 2023-02-20 | https://www.ifec.org.hk/web/en/financial-products/insurance/product-types/ilas/regulation/regulatory-measures.page | product-landscape |
| IFEC | What is a qualifying deferred annuity policy (QDAP)? | 2019-03-27 | https://www.ifec.org.hk/web/en/managing-your-money/qdap-tvc/what-is-qdap.html | annuity |
| IFEC | QDAP & TVC FAQ | accessed 2026-10-24 | https://www.ifec.org.hk/web/en/managing-your-money/qdap-tvc/faq.html | annuity |
| IFEC (jointly with the IA) | Public vs. private annuity plans | published 2018-12-28; educational material 2022-10-28 | https://www.ifec.org.hk/web/en/financial-products/insurance/product-types/annuity/compare-public-and-private-annuities.page | annuity |
Hong Kong SAR Government, Inland Revenue Department, Insurance Complaints Bureau and other statutory bodies
SAR Government, Health Bureau, Financial Services and the Treasury Bureau and Legislative Council
| Publisher | Title | Date | Link | Use |
|---|---|---|---|---|
| SAR Government press release | Insurance Authority to regulate insurers from tomorrow | 2017-06-25 | https://www.info.gov.hk/gia/general/201706/25/P2017062300406.htm | regulation, overview |
| SAR Government press release | Gazettal of subsidiary legislation on risk-based capital regime and insurance intermediary fees (risk-based capital regime implemented 2024-07-01) | 2024-05-03 | https://www.info.gov.hk/gia/general/202405/03/P2024050300187.htm | overview, regulation, misconceptions |
| VHIS Office, Health Bureau | VHIS – The Scheme | accessed 2026-10-24 | https://www.vhis.gov.hk/en/about_us/scheme.html | health-insurance, misconceptions |
| VHIS Office, Health Bureau | Tax Deduction | accessed 2026-10-24 | https://www.vhis.gov.hk/en/consumer_corner/tax-deduction.html | health-insurance |
| SAR Government press release | Expansion of Chinese Medicine Hospital of Hong Kong services | 2026-08-25 | https://www.info.gov.hk/gia/general/202608/25/P2026082500323.htm | health-insurance |
| SAR Government press release | LCQ5: Voluntary Health Insurance Scheme | 2024-12-04 | https://www.info.gov.hk/gia/general/202412/04/P2024120400321p.htm | health-insurance |
| SAR Government press release | LCQ8: HKMC Annuity Plan | 2021-05-12 | https://www.info.gov.hk/gia/general/202105/12/P2021051100589.htm | annuity |
| news.gov.hk (Hong Kong Government news) | Policy holders' scheme mooted | 2022-12-30 | https://www.news.gov.hk/eng/2022/12/20221230/20221230_180535_444.html | claims-pps, misconceptions |
| SAR Government press release | Consultation conclusions on establishing Policy Holders' Protection Scheme | 2023-12-28 | https://www.info.gov.hk/gia/general/202312/28/P2023122800437.htm | claims-pps |
| Financial Services and the Treasury Bureau | Insurance and Risk Management | accessed 2026-10-24 | https://www.fstb.gov.hk/en/financial_ser/insurance-industry.htm | claims-pps, misconceptions, regulation |
| Legislative Council Panel on Financial Affairs | Panel on Financial Affairs paper CB(1)271/2023(05) (PPS) | 2023-04-03 | https://www.legco.gov.hk/yr2023/english/panels/fa/papers/fa20230403cb1-271-5-e.pdf | claims-pps |
| Department of Justice | 律政司司长致辞 (Speech by the Secretary for Justice on the China-Appointed Attesting Officer system) | 2021-11-11 | https://www.doj.gov.hk/sc/community_engagement/speeches/pdf/sj20211111sc2.pdf | claims-pps |
Inland Revenue Department (IRD)
| Publisher | Title | Date | Link | Use |
|---|---|---|---|---|
| IRD | Tax deductions for qualifying annuity premiums and tax deductible MPF voluntary contributions (FAQ) | accessed 2026-10-24 | https://www.ird.gov.hk/eng/faq/annuity_qp.htm | annuity |
| IRD | Salaries Tax Computation 2026/27 | accessed 2026-10-24 | https://www.ird.gov.hk/eng/ese/st_comp_2026_27/stc.htm | annuity, health-insurance |
| IRD | Estate Duty | accessed 2026-10-22 | https://www.ird.gov.hk/eng/tax/edu.htm | faq |
| IRD | FAQ on Automatic Exchange of Financial Account Information | accessed 2026-10-24 | https://www.ird.gov.hk/eng/faq/dta_aeoi.htm | mainland-visitors, misconceptions |
| IRD | List of Reportable Jurisdictions (first reporting period for Mainland China 2017-07-01 to 2017-12-31, reporting from 2018) | accessed 2026-10-24 | https://www.ird.gov.hk/eng/tax/aeoi/rpt_jur.htm | mainland-visitors, overview, faq, glossary, misconceptions, annuity |
| IRD | Inland Revenue (Amendment) (Crypto-Asset Reporting Framework and Amended Common Reporting Standard) Bill 2026 | gazetted 2026-05-22 | https://www.ird.gov.hk/eng/tax/aeoi/crs_bill_2026.htm | faq |
| IRD | Guidance for Financial Institutions – Chapter 6 | 2019 | https://www.ird.gov.hk/chi/pdf/2019/chapter6.pdf | mainland-visitors |
Insurance Complaints Bureau and Consumer Council
| Publisher | Title | Date | Link | Use |
|---|---|---|---|---|
| Insurance Complaints Bureau (ICB) | Home page and Frequently Asked Questions | accessed 2026-10-24 | https://www.icb.org.hk/; https://www.icb.org.hk/en/faq.html | claims-pps |
| Insurance Complaints Bureau (ICB) | ICB presentation (hosted on the IA website) | 2024 | https://www.ia.org.hk/tc/aboutus/task_force/activities_meetings/files/ICB_presentation.pdf | claims-pps |
| Consumer Council | Cooling-off Report Executive Summary | accessed 2026-10-24 | https://www.consumer.org.hk/f/initiative_detail/301157/406989/Eng_executive_summary_Cooling-off_Report.pdf | process |
Mainland Chinese authorities
| Publisher | Title | Date | Link | Use |
|---|---|---|---|---|
| Standing Committee of the National People's Congress | 中华人民共和国个人所得税法（2018 修正）(Individual Income Tax Law of the PRC, 2018 amendment) | 2018-08-31 | https://fgk.chinatax.gov.cn/zcfgk/c100009/c5193028/content.html | mainland-visitors |
| Ministry of Finance and State Taxation Administration | 关于境外所得有关个人所得税政策的公告（2020 年第 3 号）(Announcement on individual income tax policies for overseas income, No. 3 of 2020) | 2020-01-17 | https://fgk.chinatax.gov.cn/zcfgk/c102416/c5207136/content.html | mainland-visitors, misconceptions |
| State Administration of Foreign Exchange, Xiamen Branch | 个人外汇业务服务小贴士 (Tips on personal foreign exchange services; covers limits on the use of purchased foreign currency, and states that dividends or interest on overseas life insurance cannot be remitted into mainland accounts) | 2021-10 | https://www.safe.gov.cn/xiamen/file/file/20211022/f4794075e84e40dd9394be523a52731b.pdf | mainland-visitors, annuity, faq |
| Wuhan Municipal Local Financial Work Bureau (republished) | 赴港买保险的风险提示 (Risk warning on buying insurance in Hong Kong) | 2023-06-05 | https://jrj.wuhan.gov.cn/ztzl_57/xyrd/bxy/202306/t20230605_2211063.shtml | mainland-visitors (secondary) |
Insurers' public documents (used only to illustrate policy terms)
The following materials are used only to illustrate types of policy terms. They do not represent market levels, and this site does not recommend any insurer or product.
| Publisher | Title | Date | Link | Use |
|---|---|---|---|---|
| Prudential Hong Kong | Manage your policy – Policy payment | accessed 2026-10-24 | https://prudential.com.hk/en/claims-support/policy-payment | policy-loans-financing, misconceptions |
| China Life Insurance (Overseas) | Automatic Premium Loan Repayment | accessed 2026-10-24 | https://www.chinalife.com.hk/customer-service/policy-services/automatic-premium-loan-repayment | policy-loans-financing |
| Prudential Hong Kong | Policy Reverse Mortgage Programme product page | accessed 2026-10-24 | https://www.prudential.com.hk/en/products/life/policy-reverse-mortgage-programme/ | policy-loans-financing |
| China Construction Bank (Asia) | Policy Reverse Mortgage page | accessed 2026-10-24 | https://www.asia.ccb.com/hongkong/personal/loans/policy-reverse-mortgage.html | policy-loans-financing |
| AIA Hong Kong | IA premium levy information | accessed 2026-10-24 | https://aia.com.hk/en/help-and-support/individuals/ia-info.html | process |
| MSIG Insurance (Hong Kong) | VHIS Standard Care brochure | 2025-03 | https://www.msig.com.hk/sites/msig_hk/files/H993_VHIS%20Standard%20Care_Brochure_Mar%202025.pdf | health-insurance |
| Chow Tai Fook Life | Participating savings insurance product brochure | 2026 | https://www.ctflife.com.hk/pdf/en/mywealth-beyond-savings-insurance-plan-brochure.pdf | participating-savings |
| Manulife Hong Kong | Policy Split Service Leaflet | accessed 2026-10-24 | https://www.manulife.com.hk/content/dam/insurance/hk/zh-cn/documents/products/save/policy-split-service-leaflet.pdf | participating-savings |
| Generali | Death claim (individual) | accessed 2026-10-24 | https://www.generali.com.hk/EN_US/claims_and_support/individual/death-claim | claims-pps |
| AIA Hong Kong | How to file a claim – Death | accessed 2026-10-24 | https://www.aia.com.hk/en/help-and-support/how-to-file-a-claim/death | claims-pps |
Secondary sources (law firms, actuarial consultants, media)
| Publisher | Title | Date | Link | Use |
|---|---|---|---|---|
| Mayer Brown | A new dawn: new insurance intermediary regime in Hong Kong commences on 23 September 2019 | 2019-09-17 | https://www.mayerbrown.com/fr/insights/publications/2019/09/a-new-dawn-new-insurance-intermediary-regime-in-hong-kong-commences-on-23-september-2019 | regulation |
| DLA Piper | Hong Kong Insurance Authority issues revised guideline (GL34) | 2026-01 | https://www.dlapiper.com/en/insights/publications/2026/01/hong-kong-insurance-authority-issues-revised-guideline | regulation, participating-savings |
| DLA Piper | Insurance Authority of Hong Kong issues revised guideline (GL16) | 2026-03-25 | https://www.dlapiper.com/en/insights/publications/2026/03/insurance-authority-of-hong-kong-issues-revised-guideline | participating-savings |
| Milliman | Asia e-Alert: Hong Kong illustration caps for participating products | 2025-03-14 | https://www.milliman.com/en/insight/asia-e-alert-hong-kong-illustration-caps-participating-products | misconceptions, participating-savings |
| Milliman | The Milliman Fulfillment Ratio Index (reporting year 2024, unofficial) | 2026-05-01 | https://www.milliman.com/en/insight/milliman-fulfillment-ratio-index-reporting-year-2024 | fulfillment-ratio |
| Lloyd's | Complaint Handling Summary – Hong Kong | 2025-06 | https://assets.lloyds.com/media-651c0e64-c1d0-4f97-90f7-883c69fe2ef2/f254d205-7ff5-4136-aa3c-c5867e7d312e/Complaint%20Handling%20Summary%20-%20Hong%20Kong%20-%20June%202025.pdf | claims-pps |
| Carrier Management (republishing Bloomberg) | China curbs UnionPay card payments for overseas insurance | 2016-02-05 | https://www.carriermanagement.com/news/2016/02/05/150740.htm | mainland-visitors |
| The Paper (澎湃新闻) | 赴港买保险的风险提示 (Risk warning on buying insurance in Hong Kong, former CIRC) | 2016-11-01 | https://www.thepaper.cn/newsDetail_forward_1552663 | mainland-visitors, misconceptions |
| Timothy Loh LLP | Insurance Authority releases provisional statistics for the first quarter of 2026 (summarising the IA press release) | 2026-07-24 | https://www.timothyloh.com/insights/latest-news/insurance-authority-releases-provisional-statistics-for-the-first-quarter-of-2026-20260724 | reference |
| Insurance Business Asia | Hong Kong insurance underwriting profit surges 253% as market posts $573.6b in premiums (summarising IA provisional statistics for H1 2026) | 2026-10-24 | https://www.insurancebusinessmag.com/asia/news/breaking-news/hong-kong-insurance-underwriting-profit-surges-253-as-market-posts-573-6b-in-premiums-594814.aspx | overview |
| The Standard | HK insurance premiums rise 35pc in H1 2026, HSBC Life leads market | 2026-10-23 | https://www.thestandard.com.hk/finance/article/346358/HK-insurance-premiums-rise-35pc-in-H1-2026-HSBC-Life-leads-market | overview |
| China Securities Net (republishing Securities Daily) | Report on the product mix of mainland visitors' Hong Kong policies | 2025-01-21 | https://cs.com.cn/bx/202501/t20250121_6470132.html | mainland-visitors |
| The Standard | HKFI's Q mark scheme standardizes critical illness definitions beginning on September 1 | 2026-04-22 | https://www.thestandard.com.hk/finance/article/330034/HKFIs-Q-mark-scheme-standardizes-critical-illness-definitions-beginning-on-September-1 | health-insurance |
| Insurance Business Asia | Hong Kong insurance market extends growth run as data gap widens | 2026-07 | https://www.insurancebusinessmag.com/asia/news/breaking-news/hong-kong-insurance-market-extends-growth-run-as-data-gap-widens-583673.aspx | mainland-visitors |
| China Securities Net | Report on the Greater Bay Area insurance after-sales service centre | 2018-09-27 | https://cs.com.cn/bx/201809/t20180927_5877440.html | claims-pps, mainland-visitors |
Matters under review
The following regulatory issues are still being legislated, reviewed or prepared. Pages on this site cover only what had been published as at October 2026; this page and the relevant pages are updated when there is news.
| Matter | Status as at October 2026 | Pages affected |
|---|---|---|
| Policy Holders' Protection Scheme (PPS) | Consultation conclusions published 2023-12-28; the Financial Services and the Treasury Bureau says preparatory work and legislative amendments are being taken forward, with no timetable announced | claims-pps, overview, misconceptions |
| Amended CRS | Bill gazetted 2026-05-22, proposed to take effect from 2028-01-01, still awaiting Legislative Council scrutiny | faq, mainland-visitors |
| VHIS certified products for Chinese medicine | The government aims to roll them out in phases from March 2027 | health-insurance |
| Mainland visitor new business statistics | The IA suspended separate reporting from the first quarter of 2025 while it reviews the statistical basis | mainland-visitors, overview |
| Guangdong-Hong Kong-Macao Greater Bay Area insurance after-sales service centre | No official announcement of formal operation seen | claims-pps, mainland-visitors |
Sources and dates
- Interpretation Notes – GL16: Fulfillment Ratios & Historical Crediting Interest Rates — Insurance Authority (IA) · 2023-02
- Tips on buying insurance — Insurance Authority (IA) consumer education website · 2022-08-29
- Circular on the supervisory standards and key requirements on the use of premium financing — Insurance Authority (IA) · 2022-04-01
- Consultation conclusions on establishing Policy Holders' Protection Scheme — Hong Kong SAR Government press release · 2023-12-28
- Frequently Asked Questions — Insurance Complaints Bureau (ICB) · accessed 2026-10-24
- 关于境外所得有关个人所得税政策的公告 (Announcement on individual income tax policies for overseas income) — Ministry of Finance and State Taxation Administration · 2020-01-17