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We do not advise on, recommend or arrange policies. This guide is for residents of Mainland China; it does not confirm your individual eligibility.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/chinatax/n810219/n810744/n3752930/n3752974/c3970366/content.html","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/chinatax/n810341/n810765/n2511651/201705/c2800808/content.html","checkedOn":"2026-10-11"},{"url":"https://dfjrjgj.hunan.gov.cn/tslm_71665/jryw/201609/t20160907_3256095.html","checkedOn":"2026-10-11"}]},{"title":"住在中国内地，如何了解及购买香港保险？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/countries/mainland-china/","checkedOn":"2026-10-11","snippet":"港险通（Hong Kong Insurance Connect）提供一般信息，并把咨询转介给香港持牌保险经纪。我们不提供保险建议、不推荐产品，也不安排保单。本页供中国内地居民参考，不代表已经确认你的投保资格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/chinatax/n810219/n810744/n3752930/n3752974/c3970366/content.html","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/chinatax/n810341/n810765/n2511651/201705/c2800808/content.html","checkedOn":"2026-10-11"},{"url":"https://dfjrjgj.hunan.gov.cn/tslm_71665/jryw/201609/t20160907_3256095.html","checkedOn":"2026-10-11"}]},{"title":"住在中國內地，如何了解及購買香港保險？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/countries/mainland-china/","checkedOn":"2026-10-11","snippet":"港險通（Hong Kong Insurance Connect）提供一般資訊，並把查詢轉介予香港持牌保險經紀。我們不提供保險意見、不推薦產品，也不安排保單。本頁供中國內地居民參考，並不代表已確認你的投保資格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/chinatax/n810219/n810744/n3752930/n3752974/c3970366/content.html","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/chinatax/n810341/n810765/n2511651/201705/c2800808/content.html","checkedOn":"2026-10-11"},{"url":"https://dfjrjgj.hunan.gov.cn/tslm_71665/jryw/201609/t20160907_3256095.html","checkedOn":"2026-10-11"}]},{"title":"How to buy Hong Kong insurance from Malaysia","locale":"en","url":"https://buyhongkonginsurance.com/countries/malaysia/","checkedOn":"2026-10-11","snippet":"Hong Kong Insurance Connect / 港險通 provides general information and introduces enquiries to a licensed Hong Kong broker. We do not advise on, recommend or arrange policies. This guide is for residents of Malaysia; it does not confirm your individual eligibility.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.hasil.gov.my/wp-content/uploads/navigasi-hasil-2026.pdf","checkedOn":"2026-10-11"},{"url":"https://www.hasil.gov.my/wp-content/uploads/20240620-guidelines-tax-treatment-in-relation-to-income-received-from-abroad-amendment-june-2024.pdf","checkedOn":"2026-10-11"},{"url":"https://www.bnm.gov.my/financial-consumer-alert-list","checkedOn":"2026-10-11"}]},{"title":"住在马来西亚，如何了解及购买香港保险？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/countries/malaysia/","checkedOn":"2026-10-11","snippet":"港险通（Hong Kong Insurance Connect）提供一般信息，并把咨询转介给香港持牌保险经纪。我们不提供保险建议、不推荐产品，也不安排保单。本页供马来西亚居民参考，不代表已经确认你的投保资格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.hasil.gov.my/wp-content/uploads/navigasi-hasil-2026.pdf","checkedOn":"2026-10-11"},{"url":"https://www.hasil.gov.my/wp-content/uploads/20240620-guidelines-tax-treatment-in-relation-to-income-received-from-abroad-amendment-june-2024.pdf","checkedOn":"2026-10-11"},{"url":"https://www.bnm.gov.my/financial-consumer-alert-list","checkedOn":"2026-10-11"}]},{"title":"住在馬來西亞，如何了解及購買香港保險？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/countries/malaysia/","checkedOn":"2026-10-11","snippet":"港險通（Hong Kong Insurance Connect）提供一般資訊，並把查詢轉介予香港持牌保險經紀。我們不提供保險意見、不推薦產品，也不安排保單。本頁供馬來西亞居民參考，並不代表已確認你的投保資格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.hasil.gov.my/wp-content/uploads/navigasi-hasil-2026.pdf","checkedOn":"2026-10-11"},{"url":"https://www.hasil.gov.my/wp-content/uploads/20240620-guidelines-tax-treatment-in-relation-to-income-received-from-abroad-amendment-june-2024.pdf","checkedOn":"2026-10-11"},{"url":"https://www.bnm.gov.my/financial-consumer-alert-list","checkedOn":"2026-10-11"}]},{"title":"How to buy Hong Kong insurance from New Zealand","locale":"en","url":"https://buyhongkonginsurance.com/countries/new-zealand/","checkedOn":"2026-10-11","snippet":"Hong Kong Insurance Connect / 港險通 provides general information and introduces enquiries to a licensed Hong Kong broker. We do not advise on, recommend or arrange policies. This guide is for residents of New Zealand; it does not confirm your individual eligibility.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.ird.govt.nz/foreign-investment-funds","checkedOn":"2026-10-11"},{"url":"https://www.ird.govt.nz/-/media/project/ir/home/documents/forms-and-guides/ir1200---ir1299/ir1247/ir1247.pdf?modified=20220628021501","checkedOn":"2026-10-11"},{"url":"https://www.fma.govt.nz/business/licensed-providers/","checkedOn":"2026-10-11"}]},{"title":"住在新西兰，如何了解及购买香港保险？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/countries/new-zealand/","checkedOn":"2026-10-11","snippet":"港险通（Hong Kong Insurance Connect）提供一般信息，并把咨询转介给香港持牌保险经纪。我们不提供保险建议、不推荐产品，也不安排保单。本页供新西兰居民参考，不代表已经确认你的投保资格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.ird.govt.nz/foreign-investment-funds","checkedOn":"2026-10-11"},{"url":"https://www.ird.govt.nz/-/media/project/ir/home/documents/forms-and-guides/ir1200---ir1299/ir1247/ir1247.pdf?modified=20220628021501","checkedOn":"2026-10-11"},{"url":"https://www.fma.govt.nz/business/licensed-providers/","checkedOn":"2026-10-11"}]},{"title":"住在紐西蘭，如何了解及購買香港保險？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/countries/new-zealand/","checkedOn":"2026-10-11","snippet":"港險通（Hong Kong Insurance Connect）提供一般資訊，並把查詢轉介予香港持牌保險經紀。我們不提供保險意見、不推薦產品，也不安排保單。本頁供紐西蘭居民參考，並不代表已確認你的投保資格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.ird.govt.nz/foreign-investment-funds","checkedOn":"2026-10-11"},{"url":"https://www.ird.govt.nz/-/media/project/ir/home/documents/forms-and-guides/ir1200---ir1299/ir1247/ir1247.pdf?modified=20220628021501","checkedOn":"2026-10-11"},{"url":"https://www.fma.govt.nz/business/licensed-providers/","checkedOn":"2026-10-11"}]},{"title":"How to buy Hong Kong insurance from Singapore","locale":"en","url":"https://buyhongkonginsurance.com/countries/singapore/","checkedOn":"2026-10-11","snippet":"Hong Kong Insurance Connect / 港險通 provides general information and introduces enquiries to a licensed Hong Kong broker. We do not advise on, recommend or arrange policies. This guide is for residents of Singapore; it does not confirm your individual eligibility.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/what-is-taxable-what-is-not","checkedOn":"2026-10-11"},{"url":"https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/life-insurance-relief","checkedOn":"2026-10-11"},{"url":"https://www.mas.gov.sg/regulation/Insurance/Types-of-Insurers-in-Singapore","checkedOn":"2026-10-11"},{"url":"https://www.moneysense.gov.sg/investments/dealing-with-unregulated-persons/","checkedOn":"2026-10-11"}]},{"title":"住在新加坡，如何了解及购买香港保险？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/countries/singapore/","checkedOn":"2026-10-11","snippet":"港险通（Hong 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Connect）提供一般信息，并把咨询转介给香港持牌保险经纪。我们不提供保险建议、不推荐产品，也不安排保单。本页供新加坡居民参考，不代表已经确认你的投保资格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/what-is-taxable-what-is-not","checkedOn":"2026-10-11"},{"url":"https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/life-insurance-relief","checkedOn":"2026-10-11"},{"url":"https://www.mas.gov.sg/regulation/Insurance/Types-of-Insurers-in-Singapore","checkedOn":"2026-10-11"},{"url":"https://www.moneysense.gov.sg/investments/dealing-with-unregulated-persons/","checkedOn":"2026-10-11"}]},{"title":"住在新加坡，如何了解及購買香港保險？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/countries/singapore/","checkedOn":"2026-10-11","snippet":"港險通（Hong 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Connect）提供一般資訊，並把查詢轉介予香港持牌保險經紀。我們不提供保險意見、不推薦產品，也不安排保單。本頁供新加坡居民參考，並不代表已確認你的投保資格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/what-is-taxable-what-is-not","checkedOn":"2026-10-11"},{"url":"https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/life-insurance-relief","checkedOn":"2026-10-11"},{"url":"https://www.mas.gov.sg/regulation/Insurance/Types-of-Insurers-in-Singapore","checkedOn":"2026-10-11"},{"url":"https://www.moneysense.gov.sg/investments/dealing-with-unregulated-persons/","checkedOn":"2026-10-11"}]},{"title":"How to buy Hong Kong insurance from Taiwan","locale":"en","url":"https://buyhongkonginsurance.com/countries/taiwan/","checkedOn":"2026-10-11","snippet":"Hong Kong Insurance Connect / 港險通 provides general information and introduces enquiries to a licensed Hong Kong broker. We do not advise on, recommend or arrange policies. This guide is for residents of Taiwan; it does not confirm your individual eligibility.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.etax.nat.gov.tw/etwmain/tax-info/understanding/tax-q-and-a/national/individual-income-tax/basic-tax-question/oversea-income/awYgOG9","checkedOn":"2026-10-11"},{"url":"https://law.fsc.gov.tw/LawContent.aspx?id=GL000581","checkedOn":"2026-10-11"}]},{"title":"住在台湾，如何了解及购买香港保险？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/countries/taiwan/","checkedOn":"2026-10-11","snippet":"港险通（Hong Kong Insurance Connect）提供一般信息，并把咨询转介给香港持牌保险经纪。我们不提供保险建议、不推荐产品，也不安排保单。本页供台湾居民参考，不代表已经确认你的投保资格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.etax.nat.gov.tw/etwmain/tax-info/understanding/tax-q-and-a/national/individual-income-tax/basic-tax-question/oversea-income/awYgOG9","checkedOn":"2026-10-11"},{"url":"https://law.fsc.gov.tw/LawContent.aspx?id=GL000581","checkedOn":"2026-10-11"}]},{"title":"住在台灣，如何了解及購買香港保險？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/countries/taiwan/","checkedOn":"2026-10-11","snippet":"港險通（Hong Kong Insurance Connect）提供一般資訊，並把查詢轉介予香港持牌保險經紀。我們不提供保險意見、不推薦產品，也不安排保單。本頁供台灣居民參考，並不代表已確認你的投保資格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.etax.nat.gov.tw/etwmain/tax-info/understanding/tax-q-and-a/national/individual-income-tax/basic-tax-question/oversea-income/awYgOG9","checkedOn":"2026-10-11"},{"url":"https://law.fsc.gov.tw/LawContent.aspx?id=GL000581","checkedOn":"2026-10-11"}]},{"title":"How to buy Hong Kong insurance from the United Kingdom","locale":"en","url":"https://buyhongkonginsurance.com/countries/united-kingdom/","checkedOn":"2026-10-11","snippet":"Hong Kong Insurance Connect / 港險通 provides general information and introduces enquiries to a licensed Hong Kong broker. We do not advise on, recommend or arrange policies. This guide is for residents of the United Kingdom; it does not confirm your individual eligibility.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/government/publications/gains-on-foreign-life-insurance-policies-hs321-self-assessment-helpsheet/hs321-gains-on-foreign-life-insurance-policies-2026","checkedOn":"2026-10-11"},{"url":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised","checkedOn":"2026-10-11"}]},{"title":"住在英国，如何了解及购买香港保险？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/countries/united-kingdom/","checkedOn":"2026-10-11","snippet":"港险通（Hong Kong Insurance Connect）提供一般信息，并把咨询转介给香港持牌保险经纪。我们不提供保险建议、不推荐产品，也不安排保单。本页供英国居民参考，不代表已经确认你的投保资格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/government/publications/gains-on-foreign-life-insurance-policies-hs321-self-assessment-helpsheet/hs321-gains-on-foreign-life-insurance-policies-2026","checkedOn":"2026-10-11"},{"url":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised","checkedOn":"2026-10-11"}]},{"title":"住在英國，如何了解及購買香港保險？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/countries/united-kingdom/","checkedOn":"2026-10-11","snippet":"港險通（Hong Kong Insurance Connect）提供一般資訊，並把查詢轉介予香港持牌保險經紀。我們不提供保險意見、不推薦產品，也不安排保單。本頁供英國居民參考，並不代表已確認你的投保資格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/government/publications/gains-on-foreign-life-insurance-policies-hs321-self-assessment-helpsheet/hs321-gains-on-foreign-life-insurance-policies-2026","checkedOn":"2026-10-11"},{"url":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised","checkedOn":"2026-10-11"}]},{"title":"How to buy Hong Kong insurance from the United States","locale":"en","url":"https://buyhongkonginsurance.com/countries/united-states/","checkedOn":"2026-10-11","snippet":"Hong Kong Insurance Connect / 港險通 provides general information and introduces enquiries to a licensed Hong Kong broker. We do not advise on, recommend or arrange policies. This guide is for residents of the United States; it does not confirm your individual eligibility.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/businesses/corporations/basic-questions-and-answers-on-form-8938","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/businesses/comparison-of-form-8938-and-fbar-requirements","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/forms-pubs/about-form-8621","checkedOn":"2026-10-11"},{"url":"https://www.dfs.ny.gov/industry_guidance/circular_letters/cl2011_06","checkedOn":"2026-10-11"}]},{"title":"住在美国，如何了解及购买香港保险？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/countries/united-states/","checkedOn":"2026-10-11","snippet":"港险通（Hong Kong Insurance Connect）提供一般信息，并把咨询转介给香港持牌保险经纪。我们不提供保险建议、不推荐产品，也不安排保单。本页供美国居民参考，不代表已经确认你的投保资格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/businesses/corporations/basic-questions-and-answers-on-form-8938","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/businesses/comparison-of-form-8938-and-fbar-requirements","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/forms-pubs/about-form-8621","checkedOn":"2026-10-11"},{"url":"https://www.dfs.ny.gov/industry_guidance/circular_letters/cl2011_06","checkedOn":"2026-10-11"}]},{"title":"住在美國，如何了解及購買香港保險？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/countries/united-states/","checkedOn":"2026-10-11","snippet":"港險通（Hong Kong Insurance Connect）提供一般資訊，並把查詢轉介予香港持牌保險經紀。我們不提供保險意見、不推薦產品，也不安排保單。本頁供美國居民參考，並不代表已確認你的投保資格。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.immd.gov.hk/eng/services/visas/visit_transit.html","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/life-assurance-death-claims-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-11"},{"url":"https://www.prudential.com.hk/en/claims-and-services/tools/download-library/","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/businesses/corporations/basic-questions-and-answers-on-form-8938","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/businesses/comparison-of-form-8938-and-fbar-requirements","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/forms-pubs/about-form-8621","checkedOn":"2026-10-11"},{"url":"https://www.dfs.ny.gov/industry_guidance/circular_letters/cl2011_06","checkedOn":"2026-10-11"}]},{"title":"Can British residents and expats buy Hong Kong insurance?","locale":"en","url":"https://buyhongkonginsurance.com/guides/british-residents-expats-hong-kong-insurance/","checkedOn":"2026-10-11","snippet":"Possibly, subject to insurer acceptance and the rules where you live. UK residence matters more than a British passport for tax, and offshore policy gains can be taxable. Hong Kong Insurance Connect provides general information and refers enquiries to a licensed Hong Kong broker; we do not advise on or arrange policies.","sources":[{"url":"https://www.gov.uk/tax-foreign-income/residence","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/government/publications/rdr3-statutory-residence-test-srt/guidance-note-for-statutory-residence-test-srt-rdr3","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/government/publications/gains-on-foreign-life-insurance-policies-hs321-self-assessment-helpsheet/hs321-gains-on-foreign-life-insurance-policies-2026","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/hmrc-internal-manuals/insurance-policyholder-taxation-manual/iptm3700","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/hmrc-internal-manuals/insurance-policyholder-taxation-manual/iptm3400","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/hmrc-internal-manuals/insurance-policyholder-taxation-manual/iptm3730","checkedOn":"2026-10-11"},{"url":"https://handbook.fca.org.uk/handbook/perg8","checkedOn":"2026-10-11"}]},{"title":"英国居民买香港保险：海外居住与回英税务","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/british-residents-expats-hong-kong-insurance/","checkedOn":"2026-10-11","snippet":"可能可以买，但要满足保险公司的资格要求及居住地规定。英国税务主要看居民身份，不能只看英国护照，境外保单收益也可能要纳税。港险通提供一般信息，并把咨询转介给香港持牌经纪；我们不提供保险建议或安排保单。","sources":[{"url":"https://www.gov.uk/tax-foreign-income/residence","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/government/publications/rdr3-statutory-residence-test-srt/guidance-note-for-statutory-residence-test-srt-rdr3","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/government/publications/gains-on-foreign-life-insurance-policies-hs321-self-assessment-helpsheet/hs321-gains-on-foreign-life-insurance-policies-2026","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/hmrc-internal-manuals/insurance-policyholder-taxation-manual/iptm3700","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/hmrc-internal-manuals/insurance-policyholder-taxation-manual/iptm3400","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/hmrc-internal-manuals/insurance-policyholder-taxation-manual/iptm3730","checkedOn":"2026-10-11"},{"url":"https://handbook.fca.org.uk/handbook/perg8","checkedOn":"2026-10-11"}]},{"title":"英國居民買香港保險：海外生活與回英稅務","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/british-residents-expats-hong-kong-insurance/","checkedOn":"2026-10-11","snippet":"可能可以，但須符合保險公司的資格要求及居住地規則。英國稅務主要看居民身分，不能只看英國護照；海外保單收益可能須納稅。港險通提供一般資訊，並轉介查詢予香港持牌經紀；我們不提供保險建議或安排保單。","sources":[{"url":"https://www.gov.uk/tax-foreign-income/residence","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/government/publications/rdr3-statutory-residence-test-srt/guidance-note-for-statutory-residence-test-srt-rdr3","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/government/publications/gains-on-foreign-life-insurance-policies-hs321-self-assessment-helpsheet/hs321-gains-on-foreign-life-insurance-policies-2026","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/hmrc-internal-manuals/insurance-policyholder-taxation-manual/iptm3700","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/hmrc-internal-manuals/insurance-policyholder-taxation-manual/iptm3400","checkedOn":"2026-10-11"},{"url":"https://www.gov.uk/hmrc-internal-manuals/insurance-policyholder-taxation-manual/iptm3730","checkedOn":"2026-10-11"},{"url":"https://handbook.fca.org.uk/handbook/perg8","checkedOn":"2026-10-11"}]},{"title":"What documents should I bring to sign in Hong Kong?","locale":"en","url":"https://buyhongkonginsurance.com/guides/documents-signing-hong-kong/","checkedOn":"2026-10-12","snippet":"Prepare valid identity and travel documents, any required address and medical evidence, and tax-residence details for CRS self-certification. Obtain the insurer’s checklist before travel; Mainland visitors sign in Hong Kong. Hong Kong Insurance Connect provides information and introductions; a licensed broker advises and arranges.","sources":[{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/pdf/2016/scf_ind.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/tc/aboutus/role/financial_arrangements.html","checkedOn":"2026-10-12"}]},{"title":"到香港签署保险要带哪些文件？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/documents-signing-hong-kong/","checkedOn":"2026-10-12","snippet":"准备有效身份及旅游文件、所需地址与医疗证明，以及 CRS 自我证明的税务居住地资料。出发前取得公司的清单；内地访客须在香港签署。港险通提供信息与转介；建议及安排由香港持牌经纪负责。","sources":[{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/pdf/2016/scf_ind.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/tc/aboutus/role/financial_arrangements.html","checkedOn":"2026-10-12"}]},{"title":"到香港簽署保險要帶哪些文件？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/documents-signing-hong-kong/","checkedOn":"2026-10-12","snippet":"準備有效身分及旅遊文件、所需地址與醫療證明，以及 CRS 自我證明的稅務居住地資料。出發前取得公司的清單；內地訪客須在香港簽署。港險通提供資訊與轉介；建議及安排由香港持牌經紀負責。","sources":[{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/pdf/2016/scf_ind.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/tc/aboutus/role/financial_arrangements.html","checkedOn":"2026-10-12"}]},{"title":"Can grandparents insure grandchildren in Hong Kong?","locale":"en","url":"https://buyhongkonginsurance.com/guides/grandparents-buy-insurance-grandchildren/","checkedOn":"2026-10-12","snippet":"Possibly, but paying a grandchild’s premium and becoming their policyholder are different arrangements. Confirm insurable interest, parental or guardian consent and the insurer’s product and residence rules first. Hong Kong Insurance Connect provides general information and introductions; a licensed broker advises and arranges.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/payment-method","checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/en/client-support/faq/","checkedOn":"2026-10-12"},{"url":"https://www.chinalife.com.hk/customer-service/policy-services/appointment-change-termination-of-contingent-policyholder","checkedOn":"2026-10-12"},{"url":"https://help.bowtie.com.hk/hc/en-gb/articles/24228039014425-Can-I-hold-the-same-Bowtie-VHIS-policy-with-my-family-and-friends","checkedOn":"2026-10-12"}]},{"title":"祖父母可以在香港为孙子女投保吗？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/grandparents-buy-insurance-grandchildren/","checkedOn":"2026-10-12","snippet":"隔代投保有可能，但代缴孙子女保费与成为保单持有人是不同安排。须先确认可保利益、父母或监护人同意，以及公司的产品与居住地规则。港险通提供一般信息与转介；建议及保险安排由香港持牌经纪负责。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/payment-method","checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/en/client-support/faq/","checkedOn":"2026-10-12"},{"url":"https://www.chinalife.com.hk/customer-service/policy-services/appointment-change-termination-of-contingent-policyholder","checkedOn":"2026-10-12"},{"url":"https://help.bowtie.com.hk/hc/en-gb/articles/24228039014425-Can-I-hold-the-same-Bowtie-VHIS-policy-with-my-family-and-friends","checkedOn":"2026-10-12"}]},{"title":"祖父母可以在香港為孫子女投保嗎？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/grandparents-buy-insurance-grandchildren/","checkedOn":"2026-10-12","snippet":"隔代投保有可能，但代繳孫子女保費與成為保單持有人是不同安排。須先確認可保利益、父母或監護人同意，以及公司的產品與居住地規則。港險通提供一般資訊與轉介；建議及保險安排由香港持牌經紀負責。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/payment-method","checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/en/client-support/faq/","checkedOn":"2026-10-12"},{"url":"https://www.chinalife.com.hk/customer-service/policy-services/appointment-change-termination-of-contingent-policyholder","checkedOn":"2026-10-12"},{"url":"https://help.bowtie.com.hk/hc/en-gb/articles/24228039014425-Can-I-hold-the-same-Bowtie-VHIS-policy-with-my-family-and-friends","checkedOn":"2026-10-12"}]},{"title":"Hong Kong critical illness definitions: what changed in 2026","locale":"en","url":"https://buyhongkonginsurance.com/guides/hkfi-critical-illness-definitions-2026/","checkedOn":"2026-10-11","snippet":"From 2026-09-01, HKFI's voluntary standardisation guideline sets standard definitions for new individual critical illness products: 16 major and 5 minor conditions, plus daily living activities. Hong Kong Insurance Connect explains the rules and refers enquiries to licensed brokers; we do not recommend plans or guarantee claims.","sources":[{"url":"https://mini-sites.oss-cn-hongkong.aliyuncs.com/critical-illness/Best%20Practice%20on%20Standardization%20of%20CI%20definitions_bilingual.pdf","checkedOn":"2026-10-11"},{"url":"https://ci-definitions.hkfi.org.hk/best-practice","checkedOn":"2026-10-11"},{"url":"https://mini-sites.oss-cn-hongkong.aliyuncs.com/critical-illness/Best%20Practice%20on%20Standardization%20of%20CI%20definitions_bilingual.pdf#page=4","checkedOn":"2026-10-11"},{"url":"https://ci-definitions.hkfi.org.hk/faq","checkedOn":"2026-10-11"}]},{"title":"香港重疾险新规2026：标准定义有哪些变化？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/hkfi-critical-illness-definitions-2026/","checkedOn":"2026-10-11","snippet":"自 2026-09-01 起，保联自愿性标准化行业指引为新推出的个人重疾产品制定标准定义，范围包括 16 项重疾、5 项早期重疾及日常生活活动。港险通解释一般规定，并把咨询转介给持牌经纪，不推荐计划或保证理赔。","sources":[{"url":"https://mini-sites.oss-cn-hongkong.aliyuncs.com/critical-illness/Best%20Practice%20on%20Standardization%20of%20CI%20definitions_bilingual.pdf","checkedOn":"2026-10-11"},{"url":"https://ci-definitions.hkfi.org.hk/best-practice","checkedOn":"2026-10-11"},{"url":"https://mini-sites.oss-cn-hongkong.aliyuncs.com/critical-illness/Best%20Practice%20on%20Standardization%20of%20CI%20definitions_bilingual.pdf#page=4","checkedOn":"2026-10-11"},{"url":"https://ci-definitions.hkfi.org.hk/faq","checkedOn":"2026-10-11"}]},{"title":"香港危疾保險新規2026：標準定義改了甚麼？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/hkfi-critical-illness-definitions-2026/","checkedOn":"2026-10-11","snippet":"自 2026-09-01 起，保聯自願性標準化行業指引為新推出的個人危疾產品訂立標準定義，範圍包括 16 項危疾、5 項早期危疾及日常生活活動。港險通解釋一般規則並轉介查詢予持牌經紀，不推薦計劃或保證理賠。","sources":[{"url":"https://mini-sites.oss-cn-hongkong.aliyuncs.com/critical-illness/Best%20Practice%20on%20Standardization%20of%20CI%20definitions_bilingual.pdf","checkedOn":"2026-10-11"},{"url":"https://ci-definitions.hkfi.org.hk/best-practice","checkedOn":"2026-10-11"},{"url":"https://mini-sites.oss-cn-hongkong.aliyuncs.com/critical-illness/Best%20Practice%20on%20Standardization%20of%20CI%20definitions_bilingual.pdf#page=4","checkedOn":"2026-10-11"},{"url":"https://ci-definitions.hkfi.org.hk/faq","checkedOn":"2026-10-11"}]},{"title":"Hong Kong vs mainland critical illness: what differs?","locale":"en","url":"https://buyhongkonginsurance.com/guides/hong-kong-vs-mainland-critical-illness/","checkedOn":"2026-10-12","snippet":"Hong Kong and mainland critical illness policies use different frameworks; condition counts do not show which pays more readily. Hong Kong's voluntary 2026 framework covers 16 major and 5 minor definitions; the mainland 2020 standard covers 28 severe and 3 mild definitions. Hong Kong Insurance Connect explains facts and refers to licensed brokers, without ranking products.","sources":[{"url":"https://mini-sites.oss-cn-hongkong.aliyuncs.com/critical-illness/Best%20Practice%20on%20Standardization%20of%20CI%20definitions_bilingual.pdf","checkedOn":"2026-10-12"},{"url":"https://ci-definitions.hkfi.org.hk/faq","checkedOn":"2026-10-12"},{"url":"https://www.iachina.cn/module/download/downfile.jsp?filename=dfbe46c8f7aa414694e7043603c6fb0b.pdf","checkedOn":"2026-10-12"},{"url":"https://wap.iachina.cn/art/2020/11/5/art_8616_104706.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/files/critical_illness_insurance_leaflet_eng.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/cir_20160708.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_05012023.pdf","checkedOn":"2026-10-12"},{"url":"https://help.bowtie.com.hk/hc/en-gb/articles/45134309666841-Can-I-still-make-a-claim-if-I-m-overseas","checkedOn":"2026-10-12"}]},{"title":"香港重疾险与内地重疾险怎么比较？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/hong-kong-vs-mainland-critical-illness/","checkedOn":"2026-10-12","snippet":"香港与内地重疾险采用不同疾病定义框架，不能用病种数量判断哪份更容易赔。香港2026年自愿框架涵盖16项主要和5项轻度定义； 内地2020年规范涵盖28项重度和3项轻度定义。港险通提供事实资料及持牌经纪转介，不做产品排名。","sources":[{"url":"https://mini-sites.oss-cn-hongkong.aliyuncs.com/critical-illness/Best%20Practice%20on%20Standardization%20of%20CI%20definitions_bilingual.pdf","checkedOn":"2026-10-12"},{"url":"https://ci-definitions.hkfi.org.hk/faq","checkedOn":"2026-10-12"},{"url":"https://www.iachina.cn/module/download/downfile.jsp?filename=dfbe46c8f7aa414694e7043603c6fb0b.pdf","checkedOn":"2026-10-12"},{"url":"https://wap.iachina.cn/art/2020/11/5/art_8616_104706.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/files/critical_illness_insurance_leaflet_eng.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/cir_20160708.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_05012023.pdf","checkedOn":"2026-10-12"},{"url":"https://help.bowtie.com.hk/hc/en-gb/articles/45134309666841-Can-I-still-make-a-claim-if-I-m-overseas","checkedOn":"2026-10-12"}]},{"title":"香港與內地危疾保險有甚麼分別？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/hong-kong-vs-mainland-critical-illness/","checkedOn":"2026-10-12","snippet":"香港與內地危疾保險採用不同定義框架，病種數量不能判斷哪份保單較易賠。香港2026年自願框架涵蓋16項主要及5項輕度定義； 內地2020年規範涵蓋28項重度及3項輕度定義。港險通整理事實及轉介持牌經紀，不作產品排名。","sources":[{"url":"https://mini-sites.oss-cn-hongkong.aliyuncs.com/critical-illness/Best%20Practice%20on%20Standardization%20of%20CI%20definitions_bilingual.pdf","checkedOn":"2026-10-12"},{"url":"https://ci-definitions.hkfi.org.hk/faq","checkedOn":"2026-10-12"},{"url":"https://www.iachina.cn/module/download/downfile.jsp?filename=dfbe46c8f7aa414694e7043603c6fb0b.pdf","checkedOn":"2026-10-12"},{"url":"https://wap.iachina.cn/art/2020/11/5/art_8616_104706.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/files/critical_illness_insurance_leaflet_eng.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/cir_20160708.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_05012023.pdf","checkedOn":"2026-10-12"},{"url":"https://help.bowtie.com.hk/hc/en-gb/articles/45134309666841-Can-I-still-make-a-claim-if-I-m-overseas","checkedOn":"2026-10-12"}]},{"title":"Hong Kong insurance: CRS and China's 20% tax reports","locale":"en","url":"https://buyhongkonginsurance.com/guides/mainland-china-crs-offshore-income-tax/","checkedOn":"2026-10-11","snippet":"As of 11 Oct 2026, a new blanket 20% levy is unconfirmed. Existing Mainland tax rules distinguish taxable income from insurance compensation; CRS exchanges information, not a tax bill. Hong Kong Insurance Connect provides general information and broker referrals, not tax advice or policy recommendations.","sources":[{"url":"https://www.chinatax.gov.cn/chinatax/n810219/n810780/c5251655/content.html","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/chinatax/n810219/n810744/n3752930/n3752974/c3970366/content.html","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/n810219/n810744/n3752930/n3752974/c3963364/content.html","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/rpt_jur.htm","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/faq/dta_aeoi.htm","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"}]},{"title":"香港保险征税20%？内地境外所得与CRS","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/mainland-china-crs-offshore-income-tax/","checkedOn":"2026-10-11","snippet":"截至 11 Oct 2026，新的「一律征收20%」税仍未确认。内地现行规定区分应税所得和保险赔款，CRS 交换的是信息，不是税单。港险通提供一般信息及香港持牌经纪转介，不提供税务意见或保单推荐。","sources":[{"url":"https://www.chinatax.gov.cn/chinatax/n810219/n810780/c5251655/content.html","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/chinatax/n810219/n810744/n3752930/n3752974/c3970366/content.html","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/n810219/n810744/n3752930/n3752974/c3963364/content.html","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/rpt_jur.htm","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/faq/dta_aeoi.htm","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"}]},{"title":"香港保險要繳20%稅嗎？內地境外所得與CRS","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/mainland-china-crs-offshore-income-tax/","checkedOn":"2026-10-11","snippet":"截至 11 Oct 2026，新的「一律徵收20%」稅仍未確認。內地現行規則區分應稅所得與保險賠款，CRS 交換的是資料，不是稅單。港險通提供一般資訊及香港持牌經紀轉介，不提供稅務意見或保單推薦。","sources":[{"url":"https://www.chinatax.gov.cn/chinatax/n810219/n810780/c5251655/content.html","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/chinatax/n810219/n810744/n3752930/n3752974/c3970366/content.html","checkedOn":"2026-10-11"},{"url":"https://www.chinatax.gov.cn/n810219/n810744/n3752930/n3752974/c3963364/content.html","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/rpt_jur.htm","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/faq/dta_aeoi.htm","checkedOn":"2026-10-11"},{"url":"https://www.ird.gov.hk/eng/tax/aeoi/self_cert.htm","checkedOn":"2026-10-11"}]},{"title":"How do I make a claim from overseas?","locale":"en","url":"https://buyhongkonginsurance.com/guides/making-a-claim-from-overseas/","checkedOn":"2026-10-12","snippet":"Notify the insurer using its official claim channel, check your policy’s deadline and collect the required evidence. Confirm translation, originals and payout instructions before submission; living abroad does not prove overseas treatment is covered. Hong Kong Insurance Connect provides information and introductions; a licensed broker advises and arranges.","sources":[{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/prumyhealth-prestige-medical-plan-hospital-claim-form.pdf.coredownload.inline.pdf\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/accident-disability/\"","checkedOn":"2026-10-12"},{"url":"https://www.cpiclifehk.com.hk/en/servicesClaims/howClaims\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/","checkedOn":"2026-10-12"},{"url":"https://www.cpiclifehk.com.hk/en/servicesClaims/howClaims","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/services/file-a-claim/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/prumyhealth-prestige-medical-plan-hospital-claim-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/accident-disability/","checkedOn":"2026-10-12"}]},{"title":"身在海外如何申请保险索偿？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/making-a-claim-from-overseas/","checkedOn":"2026-10-12","snippet":"用公司官方索偿渠道通知事故，核对保单期限并收集所需证据。提交前确认翻译、正本及收款指示；身在海外不代表海外治疗必定受保。港险通提供一般信息与转介；建议及安排由香港持牌经纪负责。","sources":[{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/prumyhealth-prestige-medical-plan-hospital-claim-form.pdf.coredownload.inline.pdf\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/accident-disability/\"","checkedOn":"2026-10-12"},{"url":"https://www.cpiclifehk.com.hk/en/servicesClaims/howClaims\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/","checkedOn":"2026-10-12"},{"url":"https://www.cpiclifehk.com.hk/en/servicesClaims/howClaims","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/services/file-a-claim/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/prumyhealth-prestige-medical-plan-hospital-claim-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/accident-disability/","checkedOn":"2026-10-12"}]},{"title":"身在海外如何申請保險索償？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/making-a-claim-from-overseas/","checkedOn":"2026-10-12","snippet":"用公司官方索償渠道通知事故，核對保單期限並收集所需證據。提交前確認翻譯、正本及收款指示；身在海外不代表海外治療必定受保。港險通提供一般資訊與轉介；建議及安排由香港持牌經紀負責。","sources":[{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/prumyhealth-prestige-medical-plan-hospital-claim-form.pdf.coredownload.inline.pdf\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/accident-disability/\"","checkedOn":"2026-10-12"},{"url":"https://www.cpiclifehk.com.hk/en/servicesClaims/howClaims\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/","checkedOn":"2026-10-12"},{"url":"https://www.cpiclifehk.com.hk/en/servicesClaims/howClaims","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/services/file-a-claim/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/form/life-insurance-claim/prumyhealth-prestige-medical-plan-hospital-claim-form.pdf.coredownload.inline.pdf","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/claims/claims-made-easy/accident-disability/","checkedOn":"2026-10-12"}]},{"title":"How should I prepare for an application medical exam?","locale":"en","url":"https://buyhongkonginsurance.com/guides/medical-examination-application/","checkedOn":"2026-10-12","snippet":"Prepare accurate health information first. If the insurer requests an examination, obtain its written test request, accepted clinic and preparation instructions before booking. Requirements are individual; an exam does not predict acceptance or premiums. Hong Kong Insurance Connect provides information and introductions; a licensed broker advises and arranges.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-12"}]},{"title":"投保时应如何准备体检？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/medical-examination-application/","checkedOn":"2026-10-12","snippet":"先准备准确健康资料。如公司要求体检，预约前取得书面检查要求、认可诊所及准备指示。要求按个案而定，完成体检不能预测受保或保费。港险通提供一般信息与转介；建议及安排由香港持牌经纪负责。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-12"}]},{"title":"投保時應如何準備體檢？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/medical-examination-application/","checkedOn":"2026-10-12","snippet":"先準備準確健康資料。如公司要求體檢，預約前取得書面檢查要求、認可診所及準備指示。要求按個案而定，完成體檢不能預測受保或保費。港險通提供一般資訊與轉介；建議及安排由香港持牌經紀負責。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-12"}]},{"title":"Can overseas Chinese buy Hong Kong insurance remotely?","locale":"en","url":"https://buyhongkonginsurance.com/guides/overseas-chinese-remote-purchase-tracker/","checkedOn":"2026-10-11","snippet":"As of 11 Oct 2026, approval of the proposed overseas route for Chinese passport holders is unconfirmed. Existing video onboarding does not prove permission to buy from abroad. Hong Kong Insurance Connect tracks official evidence and refers general enquiries to licensed Hong Kong brokers; we do not arrange remote purchases.","sources":[{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/tc/digital_onboarding/index.html","checkedOn":"2026-10-11"},{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"}]},{"title":"海外中国护照能远程买香港保险吗？进展追踪","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/overseas-chinese-remote-purchase-tracker/","checkedOn":"2026-10-11","snippet":"截至 11 Oct 2026，中国护照持有人从海外投保的新路径是否获批，仍未确认。已有视频投保不代表可以身在海外购买。港险通追踪官方证据，并把一般咨询转介给香港持牌经纪，我们不安排远程投保。","sources":[{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/tc/digital_onboarding/index.html","checkedOn":"2026-10-11"},{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"}]},{"title":"海外中國護照持有人可遙距買香港保險嗎？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/overseas-chinese-remote-purchase-tracker/","checkedOn":"2026-10-11","snippet":"截至 11 Oct 2026，中國護照持有人從海外投保的新途徑是否獲批，仍未確認。已有視像投保不代表可身在海外購買。港險通追蹤官方證據並轉介一般查詢予香港持牌經紀，我們不安排遙距投保。","sources":[{"url":"https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/Circular_05082020.pdf","checkedOn":"2026-10-11"},{"url":"https://www.ia.org.hk/tc/digital_onboarding/index.html","checkedOn":"2026-10-11"},{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-11"}]},{"title":"What are participating policies and fulfillment ratios?","locale":"en","url":"https://buyhongkonginsurance.com/guides/participating-policies-fulfillment-ratios/","checkedOn":"2026-10-12","snippet":"A participating policy has guaranteed benefits and non-guaranteed dividends or bonuses. A fulfillment ratio compares past non-guaranteed benefits with amounts illustrated at sale; 100% means that component matched its illustration, not a 100% investment return. Hong Kong Insurance Connect explains the data and refers to licensed brokers, without recommending products.","sources":[{"url":"https://www.ia.org.hk/en/legislative_framework/files/GL16_2026_EN.pdf","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/product/life-insurance.html","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/tc/tool/glossary.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Interpretation_Notes_GL16.pdf","checkedOn":"2026-10-12"},{"url":"https://www.aia.com.hk/en/products/further-product-information/participating-products/fulfillment-ratio","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/understanding-your-participating-policy/fulfillment-ratio.html","checkedOn":"2026-10-12"}]},{"title":"分红险与分红实现率该怎么看？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/participating-policies-fulfillment-ratios/","checkedOn":"2026-10-12","snippet":"分红险同时有合同约定的保证利益和非保证红利。分红实现率比较历史非保证利益与销售时的演示金额；100%是该部分达到当初演示， 不是投资收益100%。港险通解释数据并转介持牌经纪，不推荐产品。","sources":[{"url":"https://www.ia.org.hk/en/legislative_framework/files/GL16_2026_EN.pdf","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/product/life-insurance.html","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/tc/tool/glossary.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Interpretation_Notes_GL16.pdf","checkedOn":"2026-10-12"},{"url":"https://www.aia.com.hk/en/products/further-product-information/participating-products/fulfillment-ratio","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/understanding-your-participating-policy/fulfillment-ratio.html","checkedOn":"2026-10-12"}]},{"title":"分紅保單與分紅實現率怎樣看？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/participating-policies-fulfillment-ratios/","checkedOn":"2026-10-12","snippet":"分紅保單同時有合約訂明的保證利益與非保證紅利。分紅實現率比較歷史非保證利益與銷售時的預期金額；100%代表該部分達到當初預期， 不是投資回報100%。港險通解釋資料並轉介持牌經紀，不提供產品建議。","sources":[{"url":"https://www.ia.org.hk/en/legislative_framework/files/GL16_2026_EN.pdf","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/product/life-insurance.html","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/tc/tool/glossary.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Interpretation_Notes_GL16.pdf","checkedOn":"2026-10-12"},{"url":"https://www.aia.com.hk/en/products/further-product-information/participating-products/fulfillment-ratio","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/understanding-your-participating-policy/fulfillment-ratio.html","checkedOn":"2026-10-12"}]},{"title":"How to pay Hong Kong insurance premiums?","locale":"en","url":"https://buyhongkonginsurance.com/guides/pay-hong-kong-insurance-premiums/","checkedOn":"2026-10-12","snippet":"Pay through your insurer’s official channels after checking the policy, currency and payer rules. Cards, FPS, transfers and autopay have different restrictions for initial and renewal premiums. Hong Kong Insurance Connect provides general information and introductions; a licensed broker advises and arranges.","sources":[{"url":"https://www.aia.com.hk/en/help-and-support/individuals/premium-payment-channels.app.html\"","checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/payment-method\"","checkedOn":"2026-10-12"},{"url":"https://www.boclife.com.hk/en/support/payment-methods/methods.html\"","checkedOn":"2026-10-12"},{"url":"https://www.blue.com.hk/online/cms/global/pdf/wtlife2/WeCare%20TL2_FAQ_EN.pdf\"","checkedOn":"2026-10-12"},{"url":"https://www.bupa.com.hk/en/customer-care/payment-method/\"","checkedOn":"2026-10-12"},{"url":"https://www.chinalife.com.hk/customer-service/payment-withdrawal/payment-individual\"","checkedOn":"2026-10-12"},{"url":"https://www.chinalife.com.hk/customer-service/payment-and-collection/payment-individual/by-telegraphic-transfer\"","checkedOn":"2026-10-12"},{"url":"https://www.chubb.com/hk-en/customer-service/how-to-pay.html\"","checkedOn":"2026-10-12"},{"url":"https://www.cigna.com.hk/en/customer-service/payment-method\"","checkedOn":"2026-10-12"},{"url":"https://www.cpiclifehk.com.hk/servicesClaims/howToPay\"","checkedOn":"2026-10-12"},{"url":"https://corpweb.ctflife.com.hk/en/support/payment-channel\"","checkedOn":"2026-10-12"},{"url":"https://www.fubonlife.com.hk/life_hk/html/tc/premium_payment_methods.html\"","checkedOn":"2026-10-12"},{"url":"https://link.fwd.com.hk/bocom/retail/en/qna_premium.asp\"","checkedOn":"2026-10-12"},{"url":"https://www.generali.com.hk/EN_US/claims_and_support/payment_method\"","checkedOn":"2026-10-12"},{"url":"https://www.hklife.com.hk/en/customer-services/payment-methods/index.html\"","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/services/make-a-payment/method.html\"","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/services/make-a-payment/electronic-payment.html\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/\"","checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/en/client-support/payment-method/individual-policies/\"","checkedOn":"2026-10-12"},{"url":"https://www.wli.com.hk/en/servicePaymentMethod.jhtml\"","checkedOn":"2026-10-12"},{"url":"https://www.yflife.com/en/support/payment-options/\"","checkedOn":"2026-10-12"},{"url":"https://www.zurich.com.hk/en/customer-services/life-premium-payment\"","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"}]},{"title":"香港保险保费怎样缴付？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/pay-hong-kong-insurance-premiums/","checkedOn":"2026-10-12","snippet":"先核对保单、付款币种及付款人规则，再透过保险公司的官方渠道缴费。信用卡、转数快、汇款与自动转账对首期及续期保费可有不同限制。港险通提供一般信息与转介；保险建议及安排由香港持牌经纪负责。","sources":[{"url":"https://www.aia.com.hk/en/help-and-support/individuals/premium-payment-channels.app.html\"","checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/payment-method\"","checkedOn":"2026-10-12"},{"url":"https://www.boclife.com.hk/en/support/payment-methods/methods.html\"","checkedOn":"2026-10-12"},{"url":"https://www.blue.com.hk/online/cms/global/pdf/wtlife2/WeCare%20TL2_FAQ_EN.pdf\"","checkedOn":"2026-10-12"},{"url":"https://www.bupa.com.hk/en/customer-care/payment-method/\"","checkedOn":"2026-10-12"},{"url":"https://www.chinalife.com.hk/customer-service/payment-withdrawal/payment-individual\"","checkedOn":"2026-10-12"},{"url":"https://www.chinalife.com.hk/customer-service/payment-and-collection/payment-individual/by-telegraphic-transfer\"","checkedOn":"2026-10-12"},{"url":"https://www.chubb.com/hk-en/customer-service/how-to-pay.html\"","checkedOn":"2026-10-12"},{"url":"https://www.cigna.com.hk/en/customer-service/payment-method\"","checkedOn":"2026-10-12"},{"url":"https://www.cpiclifehk.com.hk/servicesClaims/howToPay\"","checkedOn":"2026-10-12"},{"url":"https://corpweb.ctflife.com.hk/en/support/payment-channel\"","checkedOn":"2026-10-12"},{"url":"https://www.fubonlife.com.hk/life_hk/html/tc/premium_payment_methods.html\"","checkedOn":"2026-10-12"},{"url":"https://link.fwd.com.hk/bocom/retail/en/qna_premium.asp\"","checkedOn":"2026-10-12"},{"url":"https://www.generali.com.hk/EN_US/claims_and_support/payment_method\"","checkedOn":"2026-10-12"},{"url":"https://www.hklife.com.hk/en/customer-services/payment-methods/index.html\"","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/services/make-a-payment/method.html\"","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/services/make-a-payment/electronic-payment.html\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/\"","checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/en/client-support/payment-method/individual-policies/\"","checkedOn":"2026-10-12"},{"url":"https://www.wli.com.hk/en/servicePaymentMethod.jhtml\"","checkedOn":"2026-10-12"},{"url":"https://www.yflife.com/en/support/payment-options/\"","checkedOn":"2026-10-12"},{"url":"https://www.zurich.com.hk/en/customer-services/life-premium-payment\"","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"}]},{"title":"香港保險保費怎樣繳付？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/pay-hong-kong-insurance-premiums/","checkedOn":"2026-10-12","snippet":"先核對保單、付款幣種及付款人規則，再透過保險公司的官方渠道繳費。信用卡、轉數快、匯款與自動轉賬對首期及續期保費可有不同限制。港險通提供一般資訊與轉介；保險建議及安排由香港持牌經紀負責。","sources":[{"url":"https://www.aia.com.hk/en/help-and-support/individuals/premium-payment-channels.app.html\"","checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/payment-method\"","checkedOn":"2026-10-12"},{"url":"https://www.boclife.com.hk/en/support/payment-methods/methods.html\"","checkedOn":"2026-10-12"},{"url":"https://www.blue.com.hk/online/cms/global/pdf/wtlife2/WeCare%20TL2_FAQ_EN.pdf\"","checkedOn":"2026-10-12"},{"url":"https://www.bupa.com.hk/en/customer-care/payment-method/\"","checkedOn":"2026-10-12"},{"url":"https://www.chinalife.com.hk/customer-service/payment-withdrawal/payment-individual\"","checkedOn":"2026-10-12"},{"url":"https://www.chinalife.com.hk/customer-service/payment-and-collection/payment-individual/by-telegraphic-transfer\"","checkedOn":"2026-10-12"},{"url":"https://www.chubb.com/hk-en/customer-service/how-to-pay.html\"","checkedOn":"2026-10-12"},{"url":"https://www.cigna.com.hk/en/customer-service/payment-method\"","checkedOn":"2026-10-12"},{"url":"https://www.cpiclifehk.com.hk/servicesClaims/howToPay\"","checkedOn":"2026-10-12"},{"url":"https://corpweb.ctflife.com.hk/en/support/payment-channel\"","checkedOn":"2026-10-12"},{"url":"https://www.fubonlife.com.hk/life_hk/html/tc/premium_payment_methods.html\"","checkedOn":"2026-10-12"},{"url":"https://link.fwd.com.hk/bocom/retail/en/qna_premium.asp\"","checkedOn":"2026-10-12"},{"url":"https://www.generali.com.hk/EN_US/claims_and_support/payment_method\"","checkedOn":"2026-10-12"},{"url":"https://www.hklife.com.hk/en/customer-services/payment-methods/index.html\"","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/services/make-a-payment/method.html\"","checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/services/make-a-payment/electronic-payment.html\"","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/\"","checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/en/client-support/payment-method/individual-policies/\"","checkedOn":"2026-10-12"},{"url":"https://www.wli.com.hk/en/servicePaymentMethod.jhtml\"","checkedOn":"2026-10-12"},{"url":"https://www.yflife.com/en/support/payment-options/\"","checkedOn":"2026-10-12"},{"url":"https://www.zurich.com.hk/en/customer-services/life-premium-payment\"","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"}]},{"title":"How can I pay premiums safely?","locale":"en","url":"https://buyhongkonginsurance.com/guides/paying-premiums-safely/","checkedOn":"2026-10-12","snippet":"Verify the payment request through the insurer’s official website or portal and independently obtained contact details. Match the payee, channel, currency and policy reference before paying. Hong Kong Insurance Connect provides information and introductions; a licensed Hong Kong broker advises and arranges. We do not collect premiums.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.hkma.gov.hk/eng/smart-consumers/beware-of-fraudsters/","checkedOn":"2026-10-12"},{"url":"https://www.police.gov.hk/ppp_en/04_crime_matters/adcc/","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-12"},{"url":"https://www.aia.com.hk/en/help-and-support/individuals/premium-payment-channels.app.html","checkedOn":"2026-10-12"},{"url":"https://www.aia.com.hk/en/help-and-support/policy-pension-and-payment-services/payment-options/customer-corner","checkedOn":"2026-10-12"}]},{"title":"如何安全缴付保费并核对收款人？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/paying-premiums-safely/","checkedOn":"2026-10-12","snippet":"付款前，从保险公司官方网站或客户平台取得指示，并以独立取得的联系方式核实要求。核对收款人、渠道、币种及保单编号；有差异先停下。港险通提供一般信息与转介；建议及安排由香港持牌经纪负责。我们不收取保费。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.hkma.gov.hk/eng/smart-consumers/beware-of-fraudsters/","checkedOn":"2026-10-12"},{"url":"https://www.police.gov.hk/ppp_en/04_crime_matters/adcc/","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-12"},{"url":"https://www.aia.com.hk/en/help-and-support/individuals/premium-payment-channels.app.html","checkedOn":"2026-10-12"},{"url":"https://www.aia.com.hk/en/help-and-support/policy-pension-and-payment-services/payment-options/customer-corner","checkedOn":"2026-10-12"}]},{"title":"如何安全繳付保費並核對收款人？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/paying-premiums-safely/","checkedOn":"2026-10-12","snippet":"付款前，從保險公司官方網站或客戶平台取得指示，並以獨立取得的聯絡方法核實要求。核對收款人、渠道、幣種及保單編號；有差異先停下。港險通提供一般資訊與轉介；建議及安排由香港持牌經紀負責。我們不收取保費。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.hkma.gov.hk/eng/smart-consumers/beware-of-fraudsters/","checkedOn":"2026-10-12"},{"url":"https://www.police.gov.hk/ppp_en/04_crime_matters/adcc/","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/claims-and-services/policy-payment/pay-for-life-insurance/","checkedOn":"2026-10-12"},{"url":"https://www.aia.com.hk/en/help-and-support/individuals/premium-payment-channels.app.html","checkedOn":"2026-10-12"},{"url":"https://www.aia.com.hk/en/help-and-support/policy-pension-and-payment-services/payment-options/customer-corner","checkedOn":"2026-10-12"}]},{"title":"What are the risks of premium financing?","locale":"en","url":"https://buyhongkonginsurance.com/guides/premium-financing-risks/","checkedOn":"2026-10-12","snippet":"Premium financing borrows money to pay insurance premiums, usually with the policy assigned to the lender. Higher interest, lower policy benefits or a demand for repayment can force surrender and leave a loss or debt. Hong Kong Insurance Connect provides risk information and licensed-broker referrals; we do not promote borrowing or arrange loans or insurance.","sources":[{"url":"https://www.ia.org.hk/en/legislative_framework/Conduct_in_Focus_Issue_05_03.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/premium_financing/smart_tips.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/speeches_articles/20240218.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_01042022.pdf","checkedOn":"2026-10-12"}]},{"title":"香港保费融资有哪些风险？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/premium-financing-risks/","checkedOn":"2026-10-12","snippet":"保费融资是借钱交保费，通常把保单权益转让给贷款机构作抵押。利率上升、保单利益下降或被要求提前还款，可能导致被迫退保，仍留下亏损或债务。 港险通提供风险资料及持牌经纪转介，不推广借贷，不安排贷款或保险。","sources":[{"url":"https://www.ia.org.hk/en/legislative_framework/Conduct_in_Focus_Issue_05_03.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/premium_financing/smart_tips.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/speeches_articles/20240218.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_01042022.pdf","checkedOn":"2026-10-12"}]},{"title":"保費融資有甚麼風險？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/premium-financing-risks/","checkedOn":"2026-10-12","snippet":"保費融資是借錢支付保費，通常把保單權益轉讓予貸款機構作抵押。利息上升、保單利益下跌或被要求提早還款，可能迫使退保並留下損失或欠款。 港險通提供風險資料及持牌經紀轉介，不推廣借貸，也不安排貸款或保險。","sources":[{"url":"https://www.ia.org.hk/en/legislative_framework/Conduct_in_Focus_Issue_05_03.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/premium_financing/smart_tips.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/speeches_articles/20240218.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_01042022.pdf","checkedOn":"2026-10-12"}]},{"title":"What is QDAP and how does the tax deduction work?","locale":"en","url":"https://buyhongkonginsurance.com/guides/qdap-tax-deductions/","checkedOn":"2026-10-12","snippet":"QDAP is an IA-certified deferred annuity. Eligible qualifying premiums and tax-deductible MPF voluntary contributions share a HK$60,000 deduction cap per taxpayer per assessment year; this is an income deduction, not cash returned. Hong Kong Insurance Connect explains the rules and refers to licensed brokers, without recommending annuities or providing tax advice.","sources":[{"url":"https://www.ia.org.hk/en/qualifying_deferred_annuity_policy/index.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/qualifying_deferred_annuity_policy/qdap_tool.html","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/faq/annuity_qp.htm","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/pdf/dipn57.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/qualifying_deferred_annuity_policy/List_of_QDAP.html","checkedOn":"2026-10-12"}]},{"title":"香港合资格延期年金QDAP怎么扣税？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/qdap-tax-deductions/","checkedOn":"2026-10-12","snippet":"QDAP是香港保监局认证的合资格延期年金。合资格保费与可扣税强积金自愿性供款共用每名纳税人、每个课税年度HK$60,000扣除上限， 不是现金退税。港险通解释规则及转介持牌经纪，不推荐年金，不提供税务建议。","sources":[{"url":"https://www.ia.org.hk/en/qualifying_deferred_annuity_policy/index.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/qualifying_deferred_annuity_policy/qdap_tool.html","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/faq/annuity_qp.htm","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/pdf/dipn57.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/qualifying_deferred_annuity_policy/List_of_QDAP.html","checkedOn":"2026-10-12"}]},{"title":"合資格延期年金QDAP可以扣多少稅？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/qdap-tax-deductions/","checkedOn":"2026-10-12","snippet":"QDAP是保監局認證的合資格延期年金。合資格保費與可扣稅強積金自願性供款共用每名納稅人、每個課稅年度HK$60,000扣除上限， 並非現金退稅額。港險通解釋規則並轉介持牌經紀，不推薦年金，也不提供稅務建議。","sources":[{"url":"https://www.ia.org.hk/en/qualifying_deferred_annuity_policy/index.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/qualifying_deferred_annuity_policy/qdap_tool.html","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/faq/annuity_qp.htm","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/pdf/dipn57.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/qualifying_deferred_annuity_policy/List_of_QDAP.html","checkedOn":"2026-10-12"}]},{"title":"What happens on your signing day in Hong Kong?","locale":"en","url":"https://buyhongkonginsurance.com/guides/signing-day-hong-kong/","checkedOn":"2026-10-12","snippet":"A signing visit typically covers identity checks, needs assessment, explanations, disclosures and application signatures; medical tests and underwriting may follow. Signing does not itself confirm cover. Hong Kong Insurance Connect provides general information and introductions; the licensed broker who handles your enquiry advises and arranges.","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/digital_onboarding/virtual/application_process.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/digital_onboarding/online/points_to_note.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/english/supervision/reg_ins_intermediaries/files/cooling_off.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/english/infocenter/files/Life_Insurance_Policy_e_Jun_2021.pdf","checkedOn":"2026-10-12"}]},{"title":"到香港签署保险当日会怎样进行？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/signing-day-hong-kong/","checkedOn":"2026-10-12","snippet":"签署会面通常包括身份核实、需要分析、条款解说、资料披露及申请签署；体检与核保可能另行跟进。签署本身不表示保障已生效。港险通提供一般信息与转介；建议及安排由处理你查询的香港持牌经纪负责。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/digital_onboarding/virtual/application_process.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/digital_onboarding/online/points_to_note.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/english/supervision/reg_ins_intermediaries/files/cooling_off.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/english/infocenter/files/Life_Insurance_Policy_e_Jun_2021.pdf","checkedOn":"2026-10-12"}]},{"title":"到香港簽署保險當日會怎樣進行？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/signing-day-hong-kong/","checkedOn":"2026-10-12","snippet":"簽署會面通常包括身分核實、需要分析、條款解說、資料披露及申請簽署；體檢與核保可能另行跟進。簽署本身不表示保障已生效。港險通提供一般資訊與轉介；建議及安排由處理你查詢的香港持牌經紀負責。","sources":[{"url":"https://education.ia.org.hk/en/faq.html","checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/knowledge-corner/understanding-insurance/key-steps-when-buying-insurance/","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/digital_onboarding/virtual/application_process.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/digital_onboarding/online/points_to_note.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/english/supervision/reg_ins_intermediaries/files/cooling_off.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/english/infocenter/files/Life_Insurance_Policy_e_Jun_2021.pdf","checkedOn":"2026-10-12"}]},{"title":"Term vs whole life insurance: what is the difference?","locale":"en","url":"https://buyhongkonginsurance.com/guides/term-vs-whole-life-insurance/","checkedOn":"2026-10-12","snippet":"Term life insurance pays a death benefit during a defined coverage period and normally has no cash value. Whole life provides lifelong death cover and a savings element; some policies also have non-guaranteed dividends. Hong Kong Insurance Connect explains the distinction and refers enquiries to licensed brokers, without deciding which policy suits you.","sources":[{"url":"https://education.ia.org.hk/en/product/life-insurance.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/files/Understanding_Life_Insurance_Eng.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/files/critical_illness_insurance_leaflet_eng.pdf","checkedOn":"2026-10-12"}]},{"title":"定期寿险与终身寿险有什么区别？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/term-vs-whole-life-insurance/","checkedOn":"2026-10-12","snippet":"定期寿险在约定保障期间提供身故赔付，通常没有现金价值；终身寿险提供终身身故保障和储蓄成分，部分还有非保证红利。 港险通解释区别并转介香港持牌经纪，不替读者判断哪份保单适合。","sources":[{"url":"https://education.ia.org.hk/en/product/life-insurance.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/files/Understanding_Life_Insurance_Eng.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/files/critical_illness_insurance_leaflet_eng.pdf","checkedOn":"2026-10-12"}]},{"title":"定期與終身壽險有甚麼分別？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/term-vs-whole-life-insurance/","checkedOn":"2026-10-12","snippet":"定期壽險在指定保障期內提供身故賠償，通常沒有現金價值；終身壽險提供終身身故保障及儲蓄成分，部分另有非保證紅利。 港險通解釋兩者分別，並轉介香港持牌經紀，不代讀者決定哪份保單適合。","sources":[{"url":"https://education.ia.org.hk/en/product/life-insurance.html","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/files/Understanding_Life_Insurance_Eng.pdf","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/infocenter/files/critical_illness_insurance_leaflet_eng.pdf","checkedOn":"2026-10-12"}]},{"title":"Can US persons buy Hong Kong insurance?","locale":"en","url":"https://buyhongkonginsurance.com/guides/us-persons-hong-kong-insurance/","checkedOn":"2026-10-11","snippet":"Sometimes, but acceptance is restricted and US tax obligations can apply even while living abroad. Hong Kong Insurance Connect provides information and referrals to a licensed Hong Kong broker; check with the broker before booking a trip. We do not recommend or arrange insurance.","sources":[{"url":"https://www.irs.gov/individuals/international-taxpayers/us-citizens-and-resident-aliens-abroad","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/businesses/comparison-of-form-8938-and-fbar-requirements","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/instructions/i8621","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/irb/2008-29_IRB","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/instructions/i720","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/pub/irs-pdf/f720.pdf","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/pub/irs-mssp/foreign_insurance.pdf","checkedOn":"2026-10-11"},{"url":"https://www.dfs.ny.gov/industry_guidance/circular_letters/cl2011_06","checkedOn":"2026-10-11"},{"url":"https://www.bowtie.com.hk/blog/en/bowtie-story/change-of-residence-clause/","checkedOn":"2026-10-11"},{"url":"https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/insurance/life/swiftsave/2021-apr-product-brochure.pdf","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/publications/p519","checkedOn":"2026-10-11"}]},{"title":"美国人能买香港保险吗？税务和投保限制","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/us-persons-hong-kong-insurance/","checkedOn":"2026-10-11","snippet":"不一定能买：美国人士可能被保险公司拒绝受理，即使住在海外，也可能有美国纳税和申报义务。港险通提供一般信息，并将咨询转介给香港持牌保险经纪；订行程前请先向经纪确认。我们不推荐或安排保单。","sources":[{"url":"https://www.irs.gov/individuals/international-taxpayers/us-citizens-and-resident-aliens-abroad","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/businesses/comparison-of-form-8938-and-fbar-requirements","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/instructions/i8621","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/irb/2008-29_IRB","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/instructions/i720","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/pub/irs-pdf/f720.pdf","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/pub/irs-mssp/foreign_insurance.pdf","checkedOn":"2026-10-11"},{"url":"https://www.dfs.ny.gov/industry_guidance/circular_letters/cl2011_06","checkedOn":"2026-10-11"},{"url":"https://www.bowtie.com.hk/blog/en/bowtie-story/change-of-residence-clause/","checkedOn":"2026-10-11"},{"url":"https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/insurance/life/swiftsave/2021-apr-product-brochure.pdf","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/publications/p519","checkedOn":"2026-10-11"}]},{"title":"美國人可以買香港保險嗎？稅務與投保限制","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/us-persons-hong-kong-insurance/","checkedOn":"2026-10-11","snippet":"未必能買：美國人士可能被保險公司拒絕受理，住在海外也可能有美國稅務及申報責任。港險通提供一般資訊，並轉介查詢予香港持牌保險經紀；出發前請先向經紀確認。我們不推薦或安排保單。","sources":[{"url":"https://www.irs.gov/individuals/international-taxpayers/us-citizens-and-resident-aliens-abroad","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/businesses/comparison-of-form-8938-and-fbar-requirements","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/instructions/i8621","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/irb/2008-29_IRB","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/instructions/i720","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/pub/irs-pdf/f720.pdf","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/pub/irs-mssp/foreign_insurance.pdf","checkedOn":"2026-10-11"},{"url":"https://www.dfs.ny.gov/industry_guidance/circular_letters/cl2011_06","checkedOn":"2026-10-11"},{"url":"https://www.bowtie.com.hk/blog/en/bowtie-story/change-of-residence-clause/","checkedOn":"2026-10-11"},{"url":"https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/insurance/life/swiftsave/2021-apr-product-brochure.pdf","checkedOn":"2026-10-11"},{"url":"https://www.irs.gov/publications/p519","checkedOn":"2026-10-11"}]},{"title":"What is VHIS and who can buy it?","locale":"en","url":"https://buyhongkonginsurance.com/guides/vhis-explained/","checkedOn":"2026-10-12","snippet":"VHIS is Hong Kong's certified individual hospital insurance scheme. Insurers must consider eligible residents' applications and may accept non-residents; acceptance is subject to underwriting. The tax deduction cap is HK$8,000 per insured person per taxpayer each year. Hong Kong Insurance Connect provides information and broker referrals, not insurance advice.","sources":[{"url":"https://www.vhis.gov.hk/en/info_centre/faqs.html","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/en/information_centre/e_cop_20211231.pdf","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/en/consumer_corner/list-plans.html","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/faq/vhis_qp.htm","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_05012023.pdf","checkedOn":"2026-10-12"}]},{"title":"香港自愿医保是什么？内地居民能买么？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/vhis-explained/","checkedOn":"2026-10-12","snippet":"香港自愿医保（VHIS）是获认证的个人住院保险制度。保险公司须考虑合资格香港居民的申请，也可自行决定是否接受非居民，并进行核保。 合资格保费扣税上限是每名纳税人、每名受保人、每年HK$8,000。港险通提供资料和持牌经纪转介，不提供保险建议。","sources":[{"url":"https://www.vhis.gov.hk/en/info_centre/faqs.html","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/en/information_centre/e_cop_20211231.pdf","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/en/consumer_corner/list-plans.html","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/faq/vhis_qp.htm","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_05012023.pdf","checkedOn":"2026-10-12"}]},{"title":"自願醫保是甚麼？非居民可以買嗎？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/vhis-explained/","checkedOn":"2026-10-12","snippet":"自願醫保（VHIS）是香港的認可個人住院保險制度。保險公司須考慮合資格居民的申請，也可自行決定是否接受非居民申請，並須核保。 合資格保費的扣稅上限為每名納稅人、每名受保人、每年HK$8,000。港險通提供資料及持牌經紀轉介，不提供保險建議。","sources":[{"url":"https://www.vhis.gov.hk/en/info_centre/faqs.html","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/en/information_centre/e_cop_20211231.pdf","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/en/consumer_corner/list-plans.html","checkedOn":"2026-10-12"},{"url":"https://www.ird.gov.hk/eng/faq/vhis_qp.htm","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","checkedOn":"2026-10-12"},{"url":"https://www.ia.org.hk/en/legislative_framework/circulars/reg_matters/files/Circular_05012023.pdf","checkedOn":"2026-10-12"}]},{"title":"What is critical illness insurance?","locale":"en","url":"https://buyhongkonginsurance.com/guides/what-is-critical-illness-insurance/","checkedOn":"2026-10-12","snippet":"Critical illness insurance generally pays a lump sum when a covered illness meets the policy's definition and claim conditions. It differs from reimbursement of medical bills, and a diagnosis alone may not qualify. Hong Kong Insurance Connect explains the cover and refers enquiries to licensed brokers, without recommending plans or guaranteeing claims.","sources":[{"url":"https://www.ia.org.hk/en/infocenter/files/critical_illness_insurance_leaflet_eng.pdf","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/tool/calculator.html","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/product/life-insurance.html","checkedOn":"2026-10-12"}]},{"title":"重疾险是什么？确诊就能赔吗？","locale":"zh-hans","url":"https://buyhongkonginsurance.com/zh-hans/guides/what-is-critical-illness-insurance/","checkedOn":"2026-10-12","snippet":"重疾险一般在受保疾病符合保单定义及理赔条件时支付一笔现金，不是按医院账单报销。只有诊断结果，未必满足赔付要求。 港险通解释保障原理并转介持牌经纪，不推荐产品，不保证理赔结果。","sources":[{"url":"https://www.ia.org.hk/en/infocenter/files/critical_illness_insurance_leaflet_eng.pdf","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/tool/calculator.html","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/product/life-insurance.html","checkedOn":"2026-10-12"}]},{"title":"危疾保險是甚麼？患病就能賠嗎？","locale":"zh-hant","url":"https://buyhongkonginsurance.com/zh-hant/guides/what-is-critical-illness-insurance/","checkedOn":"2026-10-12","snippet":"危疾保險一般在受保疾病符合保單定義及索償條件時支付一筆現金，與按醫療賬單實報實銷不同。單有診斷不一定符合賠償要求。 港險通介紹保障原理並轉介持牌經紀，不推薦計劃，也不承諾索償結果。","sources":[{"url":"https://www.ia.org.hk/en/infocenter/files/critical_illness_insurance_leaflet_eng.pdf","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/tool/calculator.html","checkedOn":"2026-10-12"},{"url":"https://education.ia.org.hk/en/product/life-insurance.html","checkedOn":"2026-10-12"}]}],"insurers":[{"slug":"aia","names":{"en":"AIA International 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subject to availability and the offer terms.","zh-hant":"限時選項；受供應情況及優惠條款約束。","zh-hans":"限时选项；受供应情况及优惠条款约束。"}}],"sources":[{"url":"https://www.prudential.com.hk/en/products/save/savings/evergreen-growth-saver-plus-ii/","page":null,"title":"Evergreen Growth Saver Plus Insurance II — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":null},"sources":[{"url":"https://www.prudential.com.hk/en/products/save/savings/evergreen-growth-saver-plus-ii/","page":null,"title":"Evergreen Growth Saver Plus Insurance II — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Guaranteed cash value with non-guaranteed reversionary and special bonuses.","zh-hant":"保證現金價值及非保證歸原紅利、特別紅利。","zh-hans":"保证现金价值及非保证归原红利、特别红利。"},{"en":"Change of life assured and death benefit settlement options, subject to policy terms.","zh-hant":"可更改受保人及選擇身故賠償支付方式，受保單條款約束。","zh-hans":"可更改受保人及选择身故赔偿支付方式，受保单条款约束。"}],"sources":[{"url":"https://www.prudential.com.hk/en/products/save/savings/evergreen-growth-saver-plus-ii/","page":null,"title":"Evergreen Growth Saver Plus Insurance II — official product page","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.prudential.com.hk/en/products/save/savings/evergreen-growth-saver-plus-ii/","page":null,"title":"Evergreen Growth Saver Plus Insurance II — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/products/save/savings/evergreen-growth-saver-plus-ii/","page":null,"title":"Evergreen Growth Saver Plus Insurance II — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/products/save/savings/evergreen-growth-saver-plus-ii/","page":null,"title":"Evergreen Growth Saver Plus Insurance II — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/products/save/savings/evergreen-growth-saver-plus-ii/","page":null,"title":"Evergreen Growth Saver Plus Insurance II — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.prudential.com.hk/en/products/save/savings/evergreen-growth-saver-plus-ii/","page":null,"title":"Evergreen Growth Saver Plus Insurance II — official product page","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"boc-life-forever-legacy-ii","insurer":"boc-group-life-assurance-company-limited","names":{"en":"FOREVER LEGACY WHOLE LIFE INSURANCE PLAN II","zh-hant":null,"zh-hans":null},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/boc-group-life-assurance-company-limited/boc-life-forever-legacy-ii/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/boc-group-life-assurance-company-limited/boc-life-forever-legacy-ii/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/boc-group-life-assurance-company-limited/boc-life-forever-legacy-ii/"},"facts":[{"field":"type","value":"whole-life","sources":[{"url":"https://www.boclife.com.hk/en/product/forever-legacy-whole-life-plan-ii.html","page":null,"title":"BOC Life — Forever Legacy II product features","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"single","value":null,"notes":null}],"sources":[{"url":"https://www.boclife.com.hk/en/product/forever-legacy-whole-life-plan-ii.html","page":null,"title":"BOC Life — Forever Legacy II product features","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":null},"sources":[{"url":"https://www.boclife.com.hk/en/product/forever-legacy-whole-life-plan-ii.html","page":null,"title":"BOC Life — Forever Legacy II product features","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Whole-life protection with a single premium. 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conditions.","zh-hant":"指定危疾索償可包括每月收入及一筆過給付，須符合保單條件。","zh-hans":"指定危疾索偿可包括每月收入及一笔过给付，须符合保单条件。"}],"sources":[{"url":"https://www.generali.com.hk/EN_US/critical-illness-protection/lionalong","page":null,"title":"Generali — LionAlong official product page","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.generali.com.hk/EN_US/critical-illness-protection/lionalong","page":null,"title":"Generali — LionAlong official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.generali.com.hk/EN_US/critical-illness-protection/lionalong","page":null,"title":"Generali — LionAlong official product page","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"generali-lionguardian-beyond","insurer":"generali-life-hong-kong-limited","names":{"en":"LionGuardian Beyond","zh-hant":"跨越無限保險計劃","zh-hans":"跨越无限保险计划"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/generali-life-hong-kong-limited/generali-lionguardian-beyond/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/generali-life-hong-kong-limited/generali-lionguardian-beyond/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/generali-life-hong-kong-limited/generali-lionguardian-beyond/"},"facts":[{"field":"type","value":"critical-illness","sources":[{"url":"https://www.generali.com.hk/EN_US/critical-illness-protection/lionguardian-beyond","page":null,"title":"Generali — LionGuardian Beyond official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Repeat cancer, stroke and heart attack claims are subject to waiting periods and policy conditions.","zh-hant":"癌症、中風及心臟病的多次索償須符合等候期及保單條件。","zh-hans":"癌症、中风及心脏病的多次索偿须符合等候期及保单条件。"}],"sources":[{"url":"https://www.generali.com.hk/EN_US/critical-illness-protection/lionguardian-beyond","page":null,"title":"Generali — LionGuardian Beyond official product page","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.generali.com.hk/EN_US/critical-illness-protection/lionguardian-beyond","page":null,"title":"Generali — LionGuardian Beyond official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.generali.com.hk/EN_US/critical-illness-protection/lionguardian-beyond","page":null,"title":"Generali — LionGuardian Beyond official product page","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"manulife-manubright-care-2-plus","insurer":"manulife-international-limited","names":{"en":"ManuBright Care 2 Plus","zh-hant":"活耀人生危疾保2（加強版）","zh-hans":"活耀人生危疾保2（加强版）"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/manulife-international-limited/manulife-manubright-care-2-plus/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/manulife-international-limited/manulife-manubright-care-2-plus/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/manulife-international-limited/manulife-manubright-care-2-plus/"},"facts":[{"field":"type","value":"critical-illness","sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manubright-care-2-plus.html","page":null,"title":"ManuBright Care 2 Plus — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD","USD"],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manubright-care-2-plus.pdf","page":14,"title":"ManuBright Care 2 Plus — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":10,"notes":{"en":"Payment options depend on issue age. To-age-65 means premium payment to that age, not a 65-year payment period.","zh-hant":"繳費選項視投保年齡而定。「至65歲」指繳費至該年齡，並非繳費65年。","zh-hans":"缴费选项视投保年龄而定。“至65岁”指缴费至该年龄，并非缴费65年。"}},{"kind":"years","value":20,"notes":{"en":"Payment options depend on issue age. To-age-65 means premium payment to that age, not a 65-year payment period.","zh-hant":"繳費選項視投保年齡而定。「至65歲」指繳費至該年齡，並非繳費65年。","zh-hans":"缴费选项视投保年龄而定。“至65岁”指缴费至该年龄，并非缴费65年。"}},{"kind":"years","value":25,"notes":{"en":"Payment options depend on issue age. To-age-65 means premium payment to that age, not a 65-year payment period.","zh-hant":"繳費選項視投保年齡而定。「至65歲」指繳費至該年齡，並非繳費65年。","zh-hans":"缴费选项视投保年龄而定。“至65岁”指缴费至该年龄，并非缴费65年。"}},{"kind":"to-age","value":65,"notes":{"en":"Payment options depend on issue age. To-age-65 means premium payment to that age, not a 65-year payment period.","zh-hant":"繳費選項視投保年齡而定。「至65歲」指繳費至該年齡，並非繳費65年。","zh-hans":"缴费选项视投保年龄而定。“至65岁”指缴费至该年龄，并非缴费65年。"}}],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manubright-care-2-plus.pdf","page":14,"title":"ManuBright Care 2 Plus — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":100,"notes":{"en":"Individual benefits may have earlier age limits; see policy provisions.","zh-hant":"個別保障或有較早年齡上限，詳見保單條款。","zh-hans":"个别保障或有较早年龄上限，详见保单条款。"}},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manubright-care-2-plus.pdf","page":14,"title":"ManuBright Care 2 Plus — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Covers 60 major critical illnesses, 44 early stage critical illnesses and eight juvenile diseases; benefit definitions and exclusions apply.","zh-hant":"保障60種嚴重危疾、44種早期危疾及八種兒童疾病；受保障定義及不保事項約束。","zh-hans":"保障60种严重危疾、44种早期危疾及八种儿童疾病；受保障定义及不保事项约束。"},{"en":"Includes continuous care benefits and a cancer treatment booster; waiting periods and claim conditions apply.","zh-hant":"設持續治療保障及癌症治療加強保障；受等候期及索償條件約束。","zh-hans":"设持续治疗保障及癌症治疗加强保障；受等候期及索偿条件约束。"}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manubright-care-2-plus.html","page":null,"title":"ManuBright Care 2 Plus — official product page","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manubright-care-2-plus.html","page":null,"title":"ManuBright Care 2 Plus — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manubright-care-2-plus.pdf","page":14,"title":"ManuBright Care 2 Plus — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manubright-care-2-plus.pdf","page":14,"title":"ManuBright Care 2 Plus — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manubright-care-2-plus.pdf","page":14,"title":"ManuBright Care 2 Plus — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manubright-care-2-plus.html","page":null,"title":"ManuBright Care 2 Plus — official product page","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"manulife-manuglobal-saver","insurer":"manulife-international-limited","names":{"en":"ManuGlobal Saver","zh-hant":"宏利環球貨幣保障計劃","zh-hans":"宏利环球货币保障计划"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/manulife-international-limited/manulife-manuglobal-saver/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/manulife-international-limited/manulife-manuglobal-saver/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/manulife-international-limited/manulife-manuglobal-saver/"},"facts":[{"field":"type","value":"savings-participating","sources":[{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuglobal-saver.html","page":null,"title":"ManuGlobal Saver — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD","HKD","CNY","CAD","AUD","GBP","SGD"],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuglobal-saver.html","page":null,"title":"ManuGlobal Saver — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"single","value":null,"notes":null},{"kind":"years","value":3,"notes":{"en":"Limited offer; subject to availability at application.","zh-hant":"限量提供；申請時須確認是否仍可選擇。","zh-hans":"限量提供；申请时须确认是否仍可选择。"}},{"kind":"years","value":5,"notes":null},{"kind":"years","value":10,"notes":null}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuglobal-saver.html","page":null,"title":"ManuGlobal Saver — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Guaranteed cash value and a non-guaranteed terminal bonus; early surrender may result in a loss.","zh-hant":"提供保證現金價值及非保證終期紅利；提早退保可能導致損失。","zh-hans":"提供保证现金价值及非保证终期红利；提早退保可能导致损失。"},{"en":"Currency switching from the third anniversary requires approval and may convert the policy to a different designated plan.","zh-hant":"第三個保單週年日起的貨幣轉換須獲批准及符合條件，並可能轉換至另一指定計劃。","zh-hans":"第三个保单周年日起的货币转换须获批准及符合条件，并可能转换至另一指定计划。"}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuglobal-saver.html","page":null,"title":"ManuGlobal Saver — official product page","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuglobal-saver.html","page":null,"title":"ManuGlobal Saver — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuglobal-saver.html","page":null,"title":"ManuGlobal Saver — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuglobal-saver.html","page":null,"title":"ManuGlobal Saver — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuglobal-saver.html","page":null,"title":"ManuGlobal Saver — official product page","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"manuleisure-deferred-annuity","insurer":"manulife-international-limited","names":{"en":"ManuLeisure Deferred Annuity","zh-hant":"歲稅樂享延期年金","zh-hans":"岁税乐享延期年金"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/manulife-international-limited/manuleisure-deferred-annuity/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/manulife-international-limited/manuleisure-deferred-annuity/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/manulife-international-limited/manuleisure-deferred-annuity/"},"facts":[{"field":"type","value":"annuity-qdap","sources":[{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuleisure-deferred-annuity.html","page":null,"title":"ManuLeisure Deferred Annuity — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD"],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/save/manuleisure-deferred-annuity.pdf","page":6,"title":"ManuLeisure Deferred Annuity — public brochure, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":5,"notes":null},{"kind":"years","value":10,"notes":null}],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/save/manuleisure-deferred-annuity.pdf","page":6,"title":"ManuLeisure Deferred Annuity — public brochure, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"annuity-end","value":null,"notes":{"en":"Normally until age 85; a premium holiday delays the annuity income period.","zh-hant":"一般至85歲；暫停繳費會延後年金入息期。","zh-hans":"一般至85岁；暂停缴费会延后年金入息期。"}},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/save/manuleisure-deferred-annuity.pdf","page":6,"title":"ManuLeisure Deferred Annuity — public brochure, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"minimumPremium","value":{"value":2600,"currency":"USD","basis":"annual","notes":{"en":"10-year premium payment option only; 5-year option minimum is USD5,200 annually.","zh-hant":"僅限10年供款選項；5年供款選項每年最低5,200美元。","zh-hans":"仅限10年供款选项；5年供款选项每年最低5,200美元。"}},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/save/manuleisure-deferred-annuity.pdf","page":6,"title":"ManuLeisure Deferred Annuity — public brochure, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"IA-certified QDAP; annuity starts at selected age 55, 60, 65 or 70, with guaranteed and non-guaranteed income components.","zh-hant":"保監局認證合資格延期年金保單；可選55、60、65或70歲開始年金，包括保證及非保證入息部分。","zh-hans":"保监局认证合资格延期年金保单；可选55、60、65或70岁开始年金，包括保证及非保证入息部分。"},{"en":"Premium holiday up to two years after the second anniversary delays the annuity period; conditions apply.","zh-hant":"第二個保單週年日後可暫停繳費最多兩年，年金期相應延後；受條款約束。","zh-hans":"第二个保单周年日后可暂停缴费最多两年，年金期相应延后；受条款约束。"}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuleisure-deferred-annuity.html","page":null,"title":"ManuLeisure Deferred Annuity — official product page","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuleisure-deferred-annuity.html","page":null,"title":"ManuLeisure Deferred Annuity — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/save/manuleisure-deferred-annuity.pdf","page":6,"title":"ManuLeisure Deferred Annuity — public brochure, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/save/manuleisure-deferred-annuity.pdf","page":6,"title":"ManuLeisure Deferred Annuity — public brochure, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/save/manuleisure-deferred-annuity.pdf","page":6,"title":"ManuLeisure Deferred Annuity — public brochure, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/save/manuleisure-deferred-annuity.pdf","page":6,"title":"ManuLeisure Deferred Annuity — public brochure, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/save/savings/manuleisure-deferred-annuity.html","page":null,"title":"ManuLeisure Deferred Annuity — official product page","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"manulife-first-vhis","insurer":"manulife-international-limited","names":{"en":"Manulife First VHIS Flexi Plan","zh-hant":"宏利全護航自願醫保靈活計劃","zh-hans":"宏利全护航自愿医保灵活计划"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/manulife-international-limited/manulife-first-vhis/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/manulife-international-limited/manulife-first-vhis/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/manulife-international-limited/manulife-first-vhis/"},"facts":[{"field":"type","value":"medical-vhis","sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay each policy year throughout life; premiums are not guaranteed.","zh-hant":"終身每保單年度繳費；保費並非保證。","zh-hans":"终身每保单年度缴费；保费并非保证。"}}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html","page":null,"title":"Manulife First VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"One-year cover with guaranteed annual renewal throughout life on payment of premium.","zh-hant":"一年保障；繳付保費後保證終身每年續保。","zh-hans":"一年保障；缴付保费后保证终身每年续保。"}},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html","page":null,"title":"Manulife First VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。"},{"en":"Example certified option: Ward (HKD). Other options have separate terms.","zh-hant":"認可選項例子：普通房（HKD）。其他選項另有條款。","zh-hans":"认可选项例子：普通房（HKD）。其他选项另有条款。"}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html","page":null,"title":"Manulife First VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html","page":null,"title":"Manulife First VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"manulife-shelter-vhis","insurer":"manulife-international-limited","names":{"en":"Manulife Shelter VHIS Standard Plan","zh-hant":"宏利愛守護自願醫保標準計劃","zh-hans":"宏利爱守护自愿医保标准计划"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/manulife-international-limited/manulife-shelter-vhis/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/manulife-international-limited/manulife-shelter-vhis/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/manulife-international-limited/manulife-shelter-vhis/"},"facts":[{"field":"type","value":"medical-vhis","sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html","page":null,"title":"Manulife Shelter VHIS Standard Plan — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay each policy year up to age 100; premiums are not guaranteed.","zh-hant":"每保單年度繳費至100歲；保費並非保證。","zh-hans":"每保单年度缴费至100岁；保费并非保证。"}}],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"One-year cover; guaranteed annual renewal up to age 100 on payment of premium.","zh-hant":"一年保障；繳付保費後保證每年續保至100歲。","zh-hans":"一年保障；缴付保费后保证每年续保至100岁。"}},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"actual","notes":null}],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Certified VHIS Standard Plan; annual benefit limit HKD420,000.","zh-hant":"認可自願醫保標準計劃；每年保障限額420,000港元。","zh-hans":"认可自愿医保标准计划；每年保障限额420,000港元。"},{"en":"Room and board: HKD750 per day, up to 180 days per policy year; benefit limits and exclusions apply.","zh-hant":"病房及膳食每日750港元，每保單年度最多180日；受保障限額及不保事項約束。","zh-hans":"病房及膳食每日750港元，每保单年度最多180日；受保障限额及不保事项约束。"}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html","page":null,"title":"Manulife Shelter VHIS Standard Plan — official product page","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html","page":null,"title":"Manulife Shelter VHIS Standard Plan — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html","page":null,"title":"Manulife Shelter VHIS Standard Plan — official product page","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"manulife-supreme-vhis","insurer":"manulife-international-limited","names":{"en":"Manulife Supreme VHIS Flexi Plan","zh-hant":"宏利晉悅自願醫保靈活計劃","zh-hans":"宏利晋悦自愿医保灵活计划"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/manulife-international-limited/manulife-supreme-vhis/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/manulife-international-limited/manulife-supreme-vhis/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/manulife-international-limited/manulife-supreme-vhis/"},"facts":[{"field":"type","value":"medical-vhis","sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay each policy year throughout life; premiums are not guaranteed.","zh-hant":"終身每保單年度繳費；保費並非保證。","zh-hans":"终身每保单年度缴费；保费并非保证。"}}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html","page":null,"title":"Manulife Supreme VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"One-year cover with guaranteed annual renewal throughout life on payment of premium.","zh-hant":"一年保障；繳付保費後保證終身每年續保。","zh-hans":"一年保障；缴付保费后保证终身每年续保。"}},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html","page":null,"title":"Manulife Supreme VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。"},{"en":"Example certified option: Advance (HKD0 Deductible) (HKD). Other options have separate terms.","zh-hant":"認可選項例子：精選（0 港元自付費）（HKD）。其他選項另有條款。","zh-hans":"认可选项例子：精选（0 港元自付费）（HKD）。其他选项另有条款。"}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html","page":null,"title":"Manulife Supreme VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html","page":null,"title":"Manulife Supreme VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"manulife-manulove-care","insurer":"manulife-international-limited","names":{"en":"ManuLove Care","zh-hant":"心愛一家保","zh-hans":"心爱一家保"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/manulife-international-limited/manulife-manulove-care/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/manulife-international-limited/manulife-manulove-care/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/manulife-international-limited/manulife-manulove-care/"},"facts":[{"field":"type","value":"critical-illness","sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manulove-care.html","page":null,"title":"ManuLove Care — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD","USD"],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulove-care-e16112018.pdf","page":12,"title":"ManuLove Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":10,"notes":{"en":"Payment options depend on issue age. To-age-65 means premium payment to that age, not a 65-year payment period.","zh-hant":"繳費選項視投保年齡而定。「至65歲」指繳費至該年齡，並非繳費65年。","zh-hans":"缴费选项视投保年龄而定。“至65岁”指缴费至该年龄，并非缴费65年。"}},{"kind":"years","value":20,"notes":{"en":"Payment options depend on issue age. To-age-65 means premium payment to that age, not a 65-year payment period.","zh-hant":"繳費選項視投保年齡而定。「至65歲」指繳費至該年齡，並非繳費65年。","zh-hans":"缴费选项视投保年龄而定。“至65岁”指缴费至该年龄，并非缴费65年。"}},{"kind":"years","value":25,"notes":{"en":"Payment options depend on issue age. To-age-65 means premium payment to that age, not a 65-year payment period.","zh-hant":"繳費選項視投保年齡而定。「至65歲」指繳費至該年齡，並非繳費65年。","zh-hans":"缴费选项视投保年龄而定。“至65岁”指缴费至该年龄，并非缴费65年。"}},{"kind":"to-age","value":65,"notes":{"en":"Payment options depend on issue age. To-age-65 means premium payment to that age, not a 65-year payment period.","zh-hant":"繳費選項視投保年齡而定。「至65歲」指繳費至該年齡，並非繳費65年。","zh-hans":"缴费选项视投保年龄而定。“至65岁”指缴费至该年龄，并非缴费65年。"}}],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulove-care-e16112018.pdf","page":12,"title":"ManuLove Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":100,"notes":{"en":"Individual benefits may have earlier age limits; see policy provisions.","zh-hant":"個別保障或有較早年齡上限，詳見保單條款。","zh-hans":"个别保障或有较早年龄上限，详见保单条款。"}},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulove-care-e16112018.pdf","page":12,"title":"ManuLove Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Covers 60 major critical illnesses, 44 early stage critical illnesses and eight juvenile diseases; benefit definitions and exclusions apply.","zh-hant":"保障60種嚴重危疾、44種早期危疾及八種兒童疾病；受保障定義及不保事項約束。","zh-hans":"保障60种严重危疾、44种早期危疾及八种儿童疾病；受保障定义及不保事项约束。"},{"en":"Additional claims for cancer, heart attack/stroke and other independent major critical illnesses before age 85, subject to policy conditions.","zh-hant":"85歲前就癌症、心臟病／中風及其他獨立嚴重危疾提供額外賠償，受保單條款約束。","zh-hans":"85岁前就癌症、心脏病／中风及其他独立严重危疾提供额外赔偿，受保单条款约束。"}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manulove-care.html","page":null,"title":"ManuLove Care — official product page","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manulove-care.html","page":null,"title":"ManuLove Care — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulove-care-e16112018.pdf","page":12,"title":"ManuLove Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulove-care-e16112018.pdf","page":12,"title":"ManuLove Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulove-care-e16112018.pdf","page":12,"title":"ManuLove Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manulove-care.html","page":null,"title":"ManuLove Care — official product page","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"manulife-manuvital-care","insurer":"manulife-international-limited","names":{"en":"ManuVital Care","zh-hant":"悠然危疾保","zh-hans":"悠然危疾保"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/manulife-international-limited/manulife-manuvital-care/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/manulife-international-limited/manulife-manuvital-care/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/manulife-international-limited/manulife-manuvital-care/"},"facts":[{"field":"type","value":"critical-illness","sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manuvital-care.html","page":null,"title":"ManuVital Care — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD","USD"],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manuvital-care.pdf","page":8,"title":"ManuVital Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":10,"notes":{"en":"Level: 10 / 15 / 20 / 25 years or to age 65. Step-up: only to age 65, with a premium increase after 15 policy years.","zh-hant":"平衡保費可選10、15、20、25年或至65歲；遞增保費只適用於繳費至65歲，並於15個保單年度後增加。","zh-hans":"平衡保费可选10、15、20、25年或至65岁；递增保费只适用于缴费至65岁，并于15个保单年度后增加。"}},{"kind":"years","value":15,"notes":{"en":"Level: 10 / 15 / 20 / 25 years or to age 65. Step-up: only to age 65, with a premium increase after 15 policy years.","zh-hant":"平衡保費可選10、15、20、25年或至65歲；遞增保費只適用於繳費至65歲，並於15個保單年度後增加。","zh-hans":"平衡保费可选10、15、20、25年或至65岁；递增保费只适用于缴费至65岁，并于15个保单年度后增加。"}},{"kind":"years","value":20,"notes":{"en":"Level: 10 / 15 / 20 / 25 years or to age 65. Step-up: only to age 65, with a premium increase after 15 policy years.","zh-hant":"平衡保費可選10、15、20、25年或至65歲；遞增保費只適用於繳費至65歲，並於15個保單年度後增加。","zh-hans":"平衡保费可选10、15、20、25年或至65岁；递增保费只适用于缴费至65岁，并于15个保单年度后增加。"}},{"kind":"years","value":25,"notes":{"en":"Level: 10 / 15 / 20 / 25 years or to age 65. Step-up: only to age 65, with a premium increase after 15 policy years.","zh-hant":"平衡保費可選10、15、20、25年或至65歲；遞增保費只適用於繳費至65歲，並於15個保單年度後增加。","zh-hans":"平衡保费可选10、15、20、25年或至65岁；递增保费只适用于缴费至65岁，并于15个保单年度后增加。"}},{"kind":"to-age","value":65,"notes":{"en":"Level: 10 / 15 / 20 / 25 years or to age 65. Step-up: only to age 65, with a premium increase after 15 policy years.","zh-hant":"平衡保費可選10、15、20、25年或至65歲；遞增保費只適用於繳費至65歲，並於15個保單年度後增加。","zh-hans":"平衡保费可选10、15、20、25年或至65岁；递增保费只适用于缴费至65岁，并于15个保单年度后增加。"}}],"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manuvital-care.pdf","page":8,"title":"ManuVital Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":100,"notes":{"en":"Individual benefits may have earlier age limits; see policy provisions.","zh-hant":"個別保障或有較早年齡上限，詳見保單條款。","zh-hans":"个别保障或有较早年龄上限，详见保单条款。"}},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manuvital-care.pdf","page":8,"title":"ManuVital Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Covers 60 major critical illnesses, 44 early stage critical illnesses and eight juvenile diseases; benefit definitions and exclusions apply.","zh-hant":"保障60種嚴重危疾、44種早期危疾及八種兒童疾病；受保障定義及不保事項約束。","zh-hans":"保障60种严重危疾、44种早期危疾及八种儿童疾病；受保障定义及不保事项约束。"}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manuvital-care.html","page":null,"title":"ManuVital Care — official product page","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manuvital-care.html","page":null,"title":"ManuVital Care — official product page","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manuvital-care.pdf","page":8,"title":"ManuVital Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manuvital-care.pdf","page":8,"title":"ManuVital Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manuvital-care.pdf","page":8,"title":"ManuVital Care — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manuvital-care.html","page":null,"title":"ManuVital Care — official product page","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"axa-max-goal-ii","insurer":"axa-china-region-insurance-company-hong-kong-limited","names":{"en":"Max Goal II Insurance Plan","zh-hant":"「尊尚盈家II」壽險計劃","zh-hans":null},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-max-goal-ii/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-max-goal-ii/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-max-goal-ii/"},"facts":[{"field":"type","value":"savings-participating","sources":[{"url":"https://www.axa.com.hk/en/max-goal-ii-insurance-plan","page":null,"title":"Max Goal II Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD","CNY","HKD"],"sources":[{"url":"https://www.axa.com.hk/en/max-goal-ii-insurance-plan","page":null,"title":"Max Goal II Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"single","value":null,"notes":null}],"sources":[{"url":"https://www.axa.com.hk/en/max-goal-ii-insurance-plan","page":null,"title":"Max Goal II Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":138,"notes":{"en":"Age last birthday of the latest insured; changing the insured changes the benefit period.","zh-hant":"以最新受保人上次生日年齡計算；更改受保人會改變保障期。","zh-hans":"以最新受保人上次生日年龄计算；更改受保人会改变保障期。"}},"sources":[{"url":"https://www.axa.com.hk/en/max-goal-ii-insurance-plan","page":null,"title":"Max Goal II Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Guaranteed cash value and a non-guaranteed terminal dividend; early surrender may result in a loss.","zh-hant":"提供保證現金價值及非保證終期紅利；提早退保可能導致損失。","zh-hans":"提供保证现金价值及非保证终期红利；提早退保可能导致损失。"},{"en":"Terminal dividend lock-in option from the fifth policy anniversary, subject to approval and annual limits.","zh-hant":"第五個保單週年日起可申請終期紅利鎖定選項，受批准及每年限額約束。","zh-hans":"第五个保单周年日起可申请终期红利锁定选项，受批准及每年限额约束。"}],"sources":[{"url":"https://www.axa.com.hk/en/max-goal-ii-insurance-plan","page":null,"title":"Max Goal II Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.axa.com.hk/en/max-goal-ii-insurance-plan","page":null,"title":"Max Goal II Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/max-goal-ii-insurance-plan","page":null,"title":"Max Goal II Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/max-goal-ii-insurance-plan","page":null,"title":"Max Goal II Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/max-goal-ii-insurance-plan","page":null,"title":"Max Goal II Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/max-goal-ii-insurance-plan","page":null,"title":"Max Goal II Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"axa-max-wealth","insurer":"axa-china-region-insurance-company-hong-kong-limited","names":{"en":"Max Wealth Insurance Plan","zh-hant":"「盈家」壽險計劃","zh-hans":null},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-max-wealth/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-max-wealth/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-max-wealth/"},"facts":[{"field":"type","value":"savings-participating","sources":[{"url":"https://www.axa.com.hk/en/max-wealth-insurance-plan","page":null,"title":"Max Wealth Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD"],"sources":[{"url":"https://www.axa.com.hk/en/max-wealth-insurance-plan","page":null,"title":"Max Wealth Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":2,"notes":{"en":"A lump sum payment arrangement prepays the second year premium; the payment term remains two years.","zh-hant":"整付保費安排預繳第二年保費；保費繳付年期仍為兩年。","zh-hans":"整付保费安排预缴第二年保费；保费缴付年期仍为两年。"}}],"sources":[{"url":"https://www.axa.com.hk/en/max-wealth-insurance-plan","page":null,"title":"Max Wealth Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":138,"notes":{"en":"Age last birthday of the latest insured; changing the insured changes the benefit period.","zh-hant":"以最新受保人上次生日年齡計算；更改受保人會改變保障期。","zh-hans":"以最新受保人上次生日年龄计算；更改受保人会改变保障期。"}},"sources":[{"url":"https://www.axa.com.hk/en/max-wealth-insurance-plan","page":null,"title":"Max Wealth Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Guaranteed cash value with a non-guaranteed terminal dividend from the end of the third policy year.","zh-hant":"提供保證現金價值；第三個保單年度結束起可獲非保證終期紅利。","zh-hans":"提供保证现金价值；第三个保单年度结束起可获非保证终期红利。"}],"sources":[{"url":"https://www.axa.com.hk/en/max-wealth-insurance-plan","page":null,"title":"Max Wealth Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.axa.com.hk/en/max-wealth-insurance-plan","page":null,"title":"Max Wealth Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/max-wealth-insurance-plan","page":null,"title":"Max Wealth Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/max-wealth-insurance-plan","page":null,"title":"Max Wealth Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/max-wealth-insurance-plan","page":null,"title":"Max Wealth Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/max-wealth-insurance-plan","page":null,"title":"Max Wealth Insurance Plan — official page and linked public product brochure","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"fwd-maxfocus-global","insurer":"fwd-life-insurance-company-bermuda-limited","names":{"en":"MaxFocus Global Insurance Plan","zh-hant":null,"zh-hans":null},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/fwd-life-insurance-company-bermuda-limited/fwd-maxfocus-global/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/fwd-life-insurance-company-bermuda-limited/fwd-maxfocus-global/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/fwd-life-insurance-company-bermuda-limited/fwd-maxfocus-global/"},"facts":[{"field":"type","value":"savings-participating","sources":[{"url":"https://www.fwd.com.hk/-/media/documents/save/maxfocus-global-pb-eng.pdf","page":null,"title":"FWD — MaxFocus Global product facts","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD","HKD","CNY","AUD","CAD","EUR","GBP","SGD"],"sources":[{"url":"https://www.fwd.com.hk/-/media/documents/save/maxfocus-global-pb-eng.pdf","page":null,"title":"FWD — MaxFocus Global product facts","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"single","value":null,"notes":null},{"kind":"years","value":3,"notes":{"en":"Limited offer; availability is at FWD’s discretion.","zh-hant":"限時選項，供應情況由富衛決定。","zh-hans":"限时选项，供应情况由富卫决定。"}},{"kind":"years","value":5,"notes":null},{"kind":"years","value":10,"notes":null},{"kind":"years","value":18,"notes":null}],"sources":[{"url":"https://www.fwd.com.hk/-/media/documents/save/maxfocus-global-pb-eng.pdf","page":null,"title":"FWD — MaxFocus Global product facts","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Policy currency conversion is available from the third policy anniversary, subject to conditions.","zh-hant":"由第三個保單週年日起可申請貨幣轉換，須符合條件。","zh-hans":"由第三个保单周年日起可申请货币转换，须符合条件。"},{"en":"Policy splitting is available from the fifth policy anniversary, subject to conditions.","zh-hant":"由第五個保單週年日起可申請保單分拆，須符合條件。","zh-hans":"由第五个保单周年日起可申请保单拆分，须符合条件。"}],"sources":[{"url":"https://www.fwd.com.hk/-/media/documents/save/maxfocus-global-pb-eng.pdf","page":null,"title":"FWD — MaxFocus Global product facts","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.fwd.com.hk/-/media/documents/save/maxfocus-global-pb-eng.pdf","page":null,"title":"FWD — MaxFocus Global product facts","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.fwd.com.hk/-/media/documents/save/maxfocus-global-pb-eng.pdf","page":null,"title":"FWD — MaxFocus Global product facts","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.fwd.com.hk/-/media/documents/save/maxfocus-global-pb-eng.pdf","page":null,"title":"FWD — MaxFocus Global product facts","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.fwd.com.hk/-/media/documents/save/maxfocus-global-pb-eng.pdf","page":null,"title":"FWD — MaxFocus Global product facts","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"fwd-maxfocus-legacy","insurer":"fwd-life-insurance-company-bermuda-limited","names":{"en":"MaxFocus Legacy Insurance Plan","zh-hant":null,"zh-hans":null},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/fwd-life-insurance-company-bermuda-limited/fwd-maxfocus-legacy/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/fwd-life-insurance-company-bermuda-limited/fwd-maxfocus-legacy/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/fwd-life-insurance-company-bermuda-limited/fwd-maxfocus-legacy/"},"facts":[{"field":"type","value":"savings-participating","sources":[{"url":"https://www.fwd.com.hk/online-insurance/maxfocus-legacy-insurance-plan/en/","page":null,"title":"FWD — MaxFocus Legacy product 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insurer.","zh-hant":"保險公司另行披露非保證紅利資料。","zh-hans":"保险公司另行披露非保证红利资料。"}],"sources":[{"url":"https://www.ctflife.hk/en/product/wealth/savings","page":null,"title":"CTF Life — public savings product catalogue","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.ctflife.hk/en/support/important-information/fulfillment-ratios-dividends","page":null,"title":"CTF Life — participating dividend and bonus disclosures","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.ctflife.hk/en/support/important-information/fulfillment-ratios-dividends","page":null,"title":"CTF Life — participating dividend and bonus disclosures","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.ctflife.hk/en/product/wealth/savings","page":null,"title":"CTF Life — public savings product catalogue","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.ctflife.hk/en/support/important-information/fulfillment-ratios-dividends","page":null,"title":"CTF Life — participating dividend and bonus 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renewal.","zh-hant":"每年續保；續保保費可能調整。","zh-hans":"每年续保；续保保费可能调整。"}},"sources":[{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-corechoice-medical-plan-product-brochure.pdf","page":13,"title":"PRUHealth CoreChoice Medical Plan — public brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"actual","notes":{"en":"Hong Kong residents only; basic plan or supplementary benefit.","zh-hant":"只供香港居民投保；設基本計劃或附加保障。","zh-hans":"只供香港居民投保；设基本计划或附加保障。"}}],"sources":[{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-corechoice-medical-plan-product-brochure.pdf","page":13,"title":"PRUHealth CoreChoice Medical Plan — public brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Certified VHIS Standard Plan; annual benefit limit HKD420,000; no lifetime benefit 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cover.","zh-hant":"認可自願醫保靈活計劃；可選亞洲（包括澳洲及紐西蘭）或全球美國除外保障。","zh-hans":"认可自愿医保灵活计划；可选亚洲（包括澳洲及新西兰）或全球美国除外保障。"},{"en":"HKD limits: annual HKD12,000,000 and lifetime HKD56,000,000; benefit terms and deductible apply.","zh-hant":"港元限額：每年12,000,000港元、終身56,000,000港元；受保障條款及自付額約束。","zh-hans":"港元限额：每年12,000,000港元、终身56,000,000港元；受保障条款及自付额约束。"},{"en":"Hong Kong residents only; basic plan or supplementary benefit.","zh-hant":"只供香港居民投保；設基本計劃或附加保障。","zh-hans":"只供香港居民投保；设基本计划或附加保障。"}],"sources":[{"url":"https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/","page":null,"title":"PRUHealth VHIS VIP Plan — official product page","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/","page":null,"title":"PRUHealth VHIS VIP Plan — official product 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This record excludes BabyPro.","zh-hant":"保費率並非保證；繳費選項視投保年齡而定。本記錄不包括愛寶保版本。","zh-hans":"保费率并非保证；缴费选项视投保年龄而定。本记录不包括爱宝保版本。"}},{"kind":"years","value":15,"notes":{"en":"Premium rates are not guaranteed; payment options depend on issue age. This record excludes BabyPro.","zh-hant":"保費率並非保證；繳費選項視投保年齡而定。本記錄不包括愛寶保版本。","zh-hans":"保费率并非保证；缴费选项视投保年龄而定。本记录不包括爱宝保版本。"}},{"kind":"years","value":20,"notes":{"en":"Premium rates are not guaranteed; payment options depend on issue age. This record excludes BabyPro.","zh-hant":"保費率並非保證；繳費選項視投保年齡而定。本記錄不包括愛寶保版本。","zh-hans":"保费率并非保证；缴费选项视投保年龄而定。本记录不包括爱宝保版本。"}},{"kind":"years","value":25,"notes":{"en":"Premium rates are not guaranteed; payment options depend on issue age. 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This record excludes BabyPro.","zh-hant":"保費率並非保證；繳費選項視投保年齡而定。本記錄不包括愛寶保版本。","zh-hans":"保费率并非保证；缴费选项视投保年龄而定。本记录不包括爱宝保版本。"}},{"kind":"years","value":15,"notes":{"en":"Premium rates are not guaranteed; payment options depend on issue age. This record excludes BabyPro.","zh-hant":"保費率並非保證；繳費選項視投保年齡而定。本記錄不包括愛寶保版本。","zh-hans":"保费率并非保证；缴费选项视投保年龄而定。本记录不包括爱宝保版本。"}},{"kind":"years","value":20,"notes":{"en":"Premium rates are not guaranteed; payment options depend on issue age. This record excludes BabyPro.","zh-hant":"保費率並非保證；繳費選項視投保年齡而定。本記錄不包括愛寶保版本。","zh-hans":"保费率并非保证；缴费选项视投保年龄而定。本记录不包括爱宝保版本。"}},{"kind":"years","value":25,"notes":{"en":"Premium rates are not guaranteed; payment options depend on issue age. This record excludes BabyPro.","zh-hant":"保費率並非保證；繳費選項視投保年齡而定。本記錄不包括愛寶保版本。","zh-hans":"保费率并非保证；缴费选项视投保年龄而定。本记录不包括爱宝保版本。"}}],"sources":[{"url":"https://www.axa.com.hk/en/total-assure-plus-critical-illness","page":null,"title":"TotalAssure Plus Critical Illness Plan — official page and linked public brochure; standard version (not BabyPro)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":100,"notes":{"en":"Some benefits end earlier: multiple major illness claims and continuous cancer payouts end at age 85; juvenile benefits have earlier limits.","zh-hant":"部分保障較早終止：嚴重疾病多重賠償及癌症持續賠償至85歲；兒童保障另有較早年齡上限。","zh-hans":"部分保障较早终止：严重疾病多重赔偿及癌症持续赔偿至85岁；儿童保障另有较早年龄上限。"}},"sources":[{"url":"https://www.axa.com.hk/en/total-assure-plus-critical-illness","page":null,"title":"TotalAssure Plus Critical Illness Plan — official page and linked public brochure; standard version (not BabyPro)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Covers 135 minor and major illnesses and three early risk conditions; definitions, claim limits and exclusions apply.","zh-hant":"保障135種非嚴重及嚴重疾病，以及三種早期風險狀況；受定義、索償限額及不保事項約束。","zh-hans":"保障135种非严重及严重疾病，以及三种早期风险状况；受定义、索偿限额及不保事项约束。"},{"en":"HKD is confirmed; availability of other policy currencies requires confirmation.","zh-hant":"已確認港元保單；其他保單貨幣是否可供選擇須另行確認。","zh-hans":"已确认港元保单；其他保单货币是否可供选择须另行确认。"}],"sources":[{"url":"https://www.axa.com.hk/en/total-assure-plus-critical-illness","page":null,"title":"TotalAssure Plus Critical Illness Plan — official page and linked public brochure; standard version (not BabyPro)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/fulfilment-ratios-total-value-ratios-totalassure-plus-critical-illness-plan","page":null,"title":"TotalAssure Plus Critical Illness Plan — HKD / non-HKD fulfillment series","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.axa.com.hk/en/total-assure-plus-critical-illness","page":null,"title":"TotalAssure Plus Critical Illness Plan — official page and linked public brochure; standard version (not BabyPro)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/fulfilment-ratios-total-value-ratios-totalassure-plus-critical-illness-plan","page":null,"title":"TotalAssure Plus Critical Illness Plan — HKD / non-HKD fulfillment series","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/total-assure-plus-critical-illness","page":null,"title":"TotalAssure Plus Critical Illness Plan — official page and linked public brochure; standard version (not BabyPro)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/total-assure-plus-critical-illness","page":null,"title":"TotalAssure Plus Critical Illness Plan — official page and linked public brochure; standard version (not BabyPro)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/total-assure-plus-critical-illness","page":null,"title":"TotalAssure Plus Critical Illness Plan — official page and linked public brochure; standard version (not BabyPro)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/fulfilment-ratios-total-value-ratios-totalassure-plus-critical-illness-plan","page":null,"title":"TotalAssure Plus Critical Illness Plan — HKD / non-HKD fulfillment series","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"fwd-vbooster-medical-plan","insurer":"fwd-life-insurance-company-bermuda-limited","names":{"en":"vBooster Medical Plan","zh-hant":"倍衛您醫療計劃","zh-hans":"倍卫您医疗计划"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/fwd-life-insurance-company-bermuda-limited/fwd-vbooster-medical-plan/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/fwd-life-insurance-company-bermuda-limited/fwd-vbooster-medical-plan/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/fwd-life-insurance-company-bermuda-limited/fwd-vbooster-medical-plan/"},"facts":[{"field":"type","value":"medical-vhis","sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. 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Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保標準計劃；保障、不保事項及自付費以所選認可選項為準。","zh-hans":"医务卫生局名单上的自愿医保标准计划；保障、不保事项及自付费以所选认可选项为准。"}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"fwd-vprime-medical-plan","insurer":"fwd-life-insurance-company-bermuda-limited","names":{"en":"vPrime Medical Plan","zh-hant":"尊衛您醫療計劃","zh-hans":"尊卫您医疗计划"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/fwd-life-insurance-company-bermuda-limited/fwd-vprime-medical-plan/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/fwd-life-insurance-company-bermuda-limited/fwd-vprime-medical-plan/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/fwd-life-insurance-company-bermuda-limited/fwd-vprime-medical-plan/"},"facts":[{"field":"type","value":"medical-vhis","sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"axa-wealth-ultra","insurer":"axa-china-region-insurance-company-hong-kong-limited","names":{"en":"Wealth Ultra Savings Plan","zh-hant":"豐進儲蓄計劃","zh-hans":null},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-wealth-ultra/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-wealth-ultra/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-wealth-ultra/"},"facts":[{"field":"type","value":"savings-participating","sources":[{"url":"https://www.axa.com.hk/en/wealth-ultra-savings-plan","page":null,"title":"Wealth Ultra Savings Plan — official page and linked Hong Kong brochure (LPPM 794-2606E)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD"],"sources":[{"url":"https://www.axa.com.hk/life-insurance-and-saving-advisor/contento/getData/en","page":null,"title":"AXA official savings calculator — policy currency notes","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":8,"notes":{"en":"Pre-set term; Flexi Premium Option from the fourth anniversary requires approval and reduces policy values and benefits.","zh-hant":"預設年期；第四個週年日起的彈性保費選項須獲批准，並會減少保單價值及保障。","zh-hans":"预设年期；第四个周年日起的弹性保费选项须获批准，并会减少保单价值及保障。"}}],"sources":[{"url":"https://www.axa.com.hk/en/wealth-ultra-savings-plan","page":null,"title":"Wealth Ultra Savings Plan — official page and linked Hong Kong brochure (LPPM 794-2606E)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":138,"notes":{"en":"Age last birthday of the latest insured; changing the insured changes the benefit period.","zh-hant":"以最新受保人上次生日年齡計算；更改受保人會改變保障期。","zh-hans":"以最新受保人上次生日年龄计算；更改受保人会改变保障期。"}},"sources":[{"url":"https://www.axa.com.hk/en/wealth-ultra-savings-plan","page":null,"title":"Wealth Ultra Savings Plan — official page and linked Hong Kong brochure (LPPM 794-2606E)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Guaranteed cash value from the third policy year; non-guaranteed reversionary and terminal bonuses.","zh-hant":"第三個保單年度起提供保證現金價值；設非保證保額增值紅利及終期紅利。","zh-hans":"第三个保单年度起提供保证现金价值；设非保证保额增值红利及终期红利。"},{"en":"Bonus Lock-in Option from the 25th anniversary is subject to approval and limits.","zh-hant":"第25個週年日起可申請紅利鎖定選擇權，受批准及限額約束。","zh-hans":"第25个周年日起可申请红利锁定选择权，受批准及限额约束。"}],"sources":[{"url":"https://www.axa.com.hk/en/wealth-ultra-savings-plan","page":null,"title":"Wealth Ultra Savings Plan — official page and linked Hong Kong brochure (LPPM 794-2606E)","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.axa.com.hk/en/wealth-ultra-savings-plan","page":null,"title":"Wealth Ultra Savings Plan — official page and linked Hong Kong brochure (LPPM 794-2606E)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/life-insurance-and-saving-advisor/contento/getData/en","page":null,"title":"AXA official savings calculator — policy currency notes","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/wealth-ultra-savings-plan","page":null,"title":"Wealth Ultra Savings Plan — official page and linked Hong Kong brochure (LPPM 794-2606E)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/wealth-ultra-savings-plan","page":null,"title":"Wealth Ultra Savings Plan — official page and linked Hong Kong brochure (LPPM 794-2606E)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/wealth-ultra-savings-plan","page":null,"title":"Wealth Ultra Savings Plan — official page and linked Hong Kong brochure (LPPM 794-2606E)","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"axa-wealthahead-ii-prime","insurer":"axa-china-region-insurance-company-hong-kong-limited","names":{"en":"WealthAhead II Savings Insurance - Prime","zh-hant":"盛利 II 儲蓄保險 – 至盛","zh-hans":null},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-wealthahead-ii-prime/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-wealthahead-ii-prime/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-wealthahead-ii-prime/"},"facts":[{"field":"type","value":"savings-participating","sources":[{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-prime","page":null,"title":"WealthAhead II Savings Insurance - Prime — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["CNY","USD","GBP","EUR","CAD","AUD","SGD","HKD"],"sources":[{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-prime","page":null,"title":"WealthAhead II Savings Insurance - Prime — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":2,"notes":{"en":"Limited-time offer; availability must be confirmed at application.","zh-hant":"限時提供；申請時須確認是否仍可選擇。","zh-hans":"限时提供；申请时须确认是否仍可选择。"}},{"kind":"years","value":5,"notes":null},{"kind":"years","value":10,"notes":null}],"sources":[{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-prime","page":null,"title":"WealthAhead II Savings Insurance - Prime — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance","page":null,"title":"AXA WealthAhead II series — limited 2-year payment option","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":138,"notes":{"en":"Age last birthday of the latest insured; changing the insured changes the benefit period.","zh-hant":"以最新受保人上次生日年齡計算；更改受保人會改變保障期。","zh-hans":"以最新受保人上次生日年龄计算；更改受保人会改变保障期。"}},"sources":[{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-prime","page":null,"title":"WealthAhead II Savings Insurance - Prime — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Guaranteed cash value from the third policy year; 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availability must be confirmed at application.","zh-hant":"限時提供；申請時須確認是否仍可選擇。","zh-hans":"限时提供；申请时须确认是否仍可选择。"}},{"kind":"years","value":5,"notes":null},{"kind":"years","value":10,"notes":null}],"sources":[{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-supreme","page":null,"title":"WealthAhead II Savings Insurance - Supreme — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance","page":null,"title":"AXA WealthAhead II series — limited 2-year payment option","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":138,"notes":{"en":"Age last birthday of the latest insured; changing the insured changes the benefit period.","zh-hant":"以最新受保人上次生日年齡計算；更改受保人會改變保障期。","zh-hans":"以最新受保人上次生日年龄计算；更改受保人会改变保障期。"}},"sources":[{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-supreme","page":null,"title":"WealthAhead II Savings Insurance - Supreme — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Guaranteed cash value from the third policy year; non-guaranteed reversionary and terminal bonuses.","zh-hant":"第三個保單年度起提供保證現金價值；設非保證保額增值紅利及終期紅利。","zh-hans":"第三个保单年度起提供保证现金价值；设非保证保额增值红利及终期红利。"},{"en":"Currency conversion and Wealth Master Service are subject to approval and conditions; service arrangements are distinct from policy benefits.","zh-hant":"貨幣轉換及財富管理人服務受批准及條件約束；服務安排與保單保障有別。","zh-hans":"货币转换及财富管理人服务受批准及条件约束；服务安排与保单保障有别。"}],"sources":[{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-supreme","page":null,"title":"WealthAhead II Savings Insurance - Supreme — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-supreme","page":null,"title":"WealthAhead II Savings Insurance - Supreme — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-supreme","page":null,"title":"WealthAhead II Savings Insurance - Supreme — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-supreme","page":null,"title":"WealthAhead II Savings Insurance - Supreme — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance","page":null,"title":"AXA WealthAhead II series — limited 2-year payment option","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-supreme","page":null,"title":"WealthAhead II Savings Insurance - Supreme — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance-supreme","page":null,"title":"WealthAhead II Savings Insurance - Supreme — official page and linked public brochure (5-year / 10-year pay)","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"sun-life-wehealth","insurer":"sun-life-hong-kong-limited","names":{"en":"WeHealth","zh-hant":"永明港健康醫療保","zh-hans":"永明港健康医疗保"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/sun-life-hong-kong-limited/sun-life-wehealth/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-wehealth/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-wehealth/"},"facts":[{"field":"type","value":"medical-vhis","sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保標準計劃；保障、不保事項及自付費以所選認可選項為準。","zh-hans":"医务卫生局名单上的自愿医保标准计划；保障、不保事项及自付费以所选认可选项为准。"}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"sun-life-wehealth-plus","insurer":"sun-life-hong-kong-limited","names":{"en":"WeHealth Plus","zh-hant":"永明港稱心醫療保","zh-hans":"永明港称心医疗保"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/sun-life-hong-kong-limited/sun-life-wehealth-plus/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-wehealth-plus/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-wehealth-plus/"},"facts":[{"field":"type","value":"medical-vhis","sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}],"checkedOn":["2026-10-12"]},{"slug":"sun-life-wehealth-prestige","insurer":"sun-life-hong-kong-limited","names":{"en":"WeHealth Prestige","zh-hant":"永明港卓越醫療保","zh-hans":"永明港卓越医疗保"},"nameBasis":"insurer-published","urls":{"en":"https://buyhongkonginsurance.com/insurers/sun-life-hong-kong-limited/sun-life-wehealth-prestige/","zh-hant":"https://buyhongkonginsurance.com/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-wehealth-prestige/","zh-hans":"https://buyhongkonginsurance.com/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-wehealth-prestige/"},"facts":[{"field":"type","value":"medical-vhis","sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]}],"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and 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