... Developments for Insurance Intermediaries 64 Consumer Protection 74 Organisation and Management 80 Appendices 105 Calendar of Events 2014 This Annual Report covers the events occurred from 1 January 2014 to 31 December 2014. Currency and Exchange Rate All dollars expressed in this Report are Hong Kong dollars....

... passenger. Case 7 “Winter-sports” are generally excluded from personal accident insurance The insured sustained an accident while engaging in ice-skating with his son in a shopping complex in Hong Kong. He was granted a total of 67 days’ sick leave due to fracture of the left tibia and fibula. 1/19 As the...

... sports (mountaineering, winter sports, etc.) and aviation, other than as a fare-paying passenger. Case 7 “Winter-sports” are generally excluded from personal accident insurance The insured sustained an accident while engaging in ice-skating with his son in a shopping complex in Hong Kong. He was granted...

... passenger. Case 7 “Winter-sports” are generally excluded from personal accident insurance The insured sustained an accident while engaging in ice-skating with his son in a shopping complex in Hong Kong. He was granted a total of 67 days’ sick leave due to fracture of the left tibia and fibula. 1/19 As the...

... 保險業監管局 Insurance Authority 2019–20 ANNUAL REPORT Insurance Authority 19/F, 41 Heung Yip Road, Wong Chuk Hang, Hong Kong Tel: (852) 3899 9983 Fax: (852) 3899 9993 Website: www.ia.org.hk Leading Change and Propelling Growth conTenTs 2 Chairman’s message 4 CeO’s message The Year Under review 6...

... 保險業監管局 Insurance Authority 2019–20 ANNUAL REPORT Insurance Authority 19/F, 41 Heung Yip Road, Wong Chuk Hang, Hong Kong Tel: (852) 3899 9983 Fax: (852) 3899 9993 Website: www.ia.org.hk Leading Change and Propelling Growth conTenTs 2 Chairman’s message 4 CeO’s message The Year Under review 6...

... international airline. She is a former member of the Hong Kong Tourism Board and of the Planning and Development Committee of the Travel Industry Council. Mr kenneth kwok Tsun-wa Mr Kwok is a veteran insurance practitioner, and has served in senior positions in international insurance brokerage firms and...

... international airline. She is a former member of the Hong Kong Tourism Board and of the Planning and Development Committee of the Travel Industry Council. Mr kenneth kwok Tsun-wa Mr Kwok is a veteran insurance practitioner, and has served in senior positions in international insurance brokerage firms and...

... international airline. She is a former member of the Hong Kong Tourism Board and of the Planning and Development Committee of the Travel Industry Council. Mr kenneth kwok Tsun-wa Mr Kwok is a veteran insurance practitioner, and has served in senior positions in international insurance brokerage firms and...

... the act’. In other words, the principal is bound (for good or ill) by the authorised actions, and sometimes even the unauthorised actions (see 2.2.2 and 2.2.3 below), of his agent. Thus, when a child (agent) buys something on credit from a grocery store at his mother’s (principal) bidding, a contract...