Work and occupations
Checked . Work hubs in A–Z order; underwriting depends on the insurer. Information only, not advice.
- Aircrew and seafarers
Flight crew medical certification is a licensing matter; it does not establish insurance acceptance. For aircrew and seafarers, duties and work locations need insurer-specific review. Checked . We provide information and referrals to a licensed Hong Kong broker, not advice.
- Business owners and SMEs
IRD describes keyman life cover as term insurance protecting an employer against lost trading income, with the employer as beneficiary. Company payment alone does not establish a deduction. Checked . We provide information and referrals to a licensed Hong Kong broker, not advice.
- Employers of domestic helpers
Hong Kong employers must insure employees’ compensation liabilities for full-time and part-time domestic helpers. Labour Department confirms this duty. This is general insurance; helper cover is outside this site’s broker referral. Checked . Information only, not advice.
- Expatriates working in Hong Kong
MPFA identifies employment-visa and overseas-retirement-scheme exemptions; expatriate status alone is not an MPF exemption. Medical territory and future relocation remain separate policy questions. Checked . We provide information and referrals to a licensed Hong Kong broker, not advice.
- Freelancers and self-employed people
MPFA requires self-employed people aged 18–64 to join MPF unless exempt; low income alone does not remove enrolment. Mandatory contribution rules are separate. Checked . We provide information and referrals to a licensed Hong Kong broker, not advice.
- Medical professionals
IRD caps the VHIS qualifying-premium deduction at HK$8,000 per insured person for each taxpayer; this reduces taxable income, not tax owed by the same amount. Medical employment does not guarantee underwriting acceptance. Checked . We provide information and referrals to a licensed Hong Kong broker, not advice.