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The sales process in general
... If you find that the policy you have purchased is not suitable for you, you can cancel the policy within the cooling-off period*. The insurer must offer a full refund of the insurance premium you paid or an amount less a "market value adjustment", if applicable. If you have no intention of...
https://www.ia.org.hk/english/participating_policy/sales_process.html -
Date: 2024-01-18
... complaints received by the IA and examines topical regulatory issues regarding the way in which insurance business is conducted. In this issue, we present the statistics for complaints received by the IA for both the full calendar year 2020 and the first quarter 2021. In the Practice section, we take a look...
https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/20210517Circular_for_Conduct_in_Focus.pdf -
Date: 2021-12-10
... complaints received by the IA and examines topical regulatory issues regarding the way in which insurance business is conducted. In this issue, we present the statistics for complaints received by the IA for both the full calendar year 2020 and the first quarter 2021. In the Practice section, we take a look...
https://www.ia.org.hk/english/legislative_framework/circulars/reg_matters/files/20210517Circular_for_Conduct_in_Focus.pdf -
Date: 2021-09-09
... understood the information provided in this illustration and received the principal brochure. Signed & dated:___________________________ [Applicant’s Full Name in Printed Form] Appendix A i These assumed rates of return shall comply with the guidelines issued from time to time by the Life Insurance Council...
https://www.ia.org.hk/english/supervision/reg_ins_intermediaries/files/4.GN_on_ILAS_Illustration_Document.pdf -
Date: 2019-12-20
... and customary charges” is one of the principles insurers follow when handling claims. The insurer may not offer full reimbursement of the covered items if the claimable amount exceeds a “reasonable and customary charge”, even if it does not exceed the annual policy limit. The insured person will have...
https://www.ia.org.hk/english/medical_insurance/files/Medical_insurance_making_a_claim_en.pdf -
Date: 2020-10-14
... and customary charges” is one of the principles insurers follow when handling claims. The insurer may not offer full reimbursement of the covered items if the claimable amount exceeds a “reasonable and customary charge”, even if it does not exceed the annual policy limit. The insured person will have...
https://www.ia.org.hk/english/infocenter/files/Medical_insurance_making_a_claim_en.pdf -
Date: 2021-12-14
... and customary charges” is one of the principles insurers follow when handling claims. The insurer may not offer full reimbursement of the covered items if the claimable amount exceeds a “reasonable and customary charge”, even if it does not exceed the annual policy limit. The insured person will have...
https://www.ia.org.hk/english/infocenter/files/Medical_insurance_making_a_claim_en.pdf -
Date: 2022-05-24
... the QDAPs that meet the user's preferences and provide key product information at the same time. The tool also provides members of the public with a full list of available QDAPs in the market. Currently, different insurers offer a number of QDAPs with different product features...
https://www.ia.org.hk/english/qualifying_deferred_annuity_policy/index.html -
Date: 2024-01-19
... benefits as a result of the incident; and The need to send a deterrent message against mishandling of premium (a matter for which the IA has no toleration). A full Statement of Disciplinary Action can be found here. For further information on the IA’s enforcement work...
https://www.ia.org.hk/english/infocenter/press_releases/20230127.html -
Date: 2023-01-27
... benefit. This is called a pure annuity. In the case of the contribution period, the beneficiary will usually receive no less than the paid premium in full as the death benefit. Generally, if the annuitant passes away after the end of the income period or the guaranteed period, there is no death benefit....
https://www.ia.org.hk/english/infocenter/files/Tips_on_Purchasing_Annuity_Products_Eng.pdf -
Date: 2021-12-14