... Customers 7. Appendix D2: Post-sale Call Content for Non-Vulnerable Customers 8. Appendix E: Flow Chart – ILAS Post-sale Call 9. Appendix F1: Notification letter to the customer (who have given uncertain replies but could not be reached again at subsequent follow-up calls) 10. Appendix F2: Notification...

.../7 3.3.1 Meaning and Importance of the Principle 3.3.2 Types of Peril 3.3.3 Application of the Principle 3.3.4 Policy Modification of the Principle 3.4 Indemnity 3/10 3.4.1 Definition 3.4.2 Implications 3.4.3 Link with Insurable Interest 3.4.4 How Indemnity Is Provided 3.4.5 Salvage 3.4.6 Abandonment...

... incurred and early repayment penalty imposed (if applicable) under the loan contract, and you may suffer a significant financial loss. 10. Exposure to interest rate fluctuation: The interest payment of the loan facility for premium financing will affect the net rate of return (i.e. net of interest payment...

... Conduct in Focus P.10 In Policyholder Corner, the Insurance Authority (“IA”) provides practical guidance to the public on buying insurance or dealing with insurance matters based on lessons learned from the complaints it receives. The importance of disclosing all “material facts” when buying insurance...

... Affecting Claims 3.1.4 Duties of Insured after a Loss 3.1.5 Documentary Evidence 3.1.6 Functions of Various Related Professionals a. Surveyors b. Loss Adjusters c. Engineers d. Settling Agents e. Survey Agents f. Average Adjusters 3.2 Claims Handling 3/10 3.2.1 Operation of Arbitration Clauses 3.2.2 Methods...

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... Note 2.0 Transitional Arrangement for the Initial Five Years 10. To reduce the impact on the insurance industry, the variable fee rate will increase gradually in the initial five years until it reaches the target rate of 0.0039%. This incremental approach is detailed under Schedule 3 to the Regulation....

... 25 June 2022 0.0031% From 26 June 2022 to 25 June 2023 and each subsequent period of 1 year from 26 June 0.0039% April 2021 / Note on Authorization and Annual Fees v.2.1 Page 4 9. Examples on calculation of variable fee payable are at Annex D. FEES PAYMENT 10. Fees should be made payable by Hong Kong...

... Note 2.0 Transitional Arrangement for the Initial Five Years 10. To reduce the impact on the insurance industry, the variable fee rate will increase gradually in the initial five years until it reaches the target rate of 0.0039%. This incremental approach is detailed under Schedule 3 to the Regulation....

... licence  revocation of approval to be a RO  suspension of approval to be a RO  prohibition of application for licence  prohibition of appointment to be a RO  fine (up to a maximum of $10 million or 3 times of the profit gained/loss avoided, whichever is the higher) The IA may publicize its decisions...