... are conducted and their ML risks, as summarised below, will be further discussed and explained by the relevant regulators / self- regulatory bodies: Sector Assessment Financial Sectors Banking High Securities Medium Money service operators Medium-high Insurance Medium-low Money lenders Medium-low...

... Systems and Senior Management Oversight 5 Product/service risk – what are the characteristics of the products and services offered and the associated ML/TF risks Delivery/distribution channel risk – whether they are direct sales, through intermediaries, or non- face-to-face channels AML/CFT Systems and...

... as「金融三十條」). • Cross-boundary motor and medical products • Service Centers • ILS development – the Central Government supports Mainland insurers to issue catastrophe bonds in HK by relaxing the requirements for establishing special purpose insurers. Greater Bay Area Development 11 Mr Simon Lam Hong...

... the Insurance Authority (IA), which took over the regulatory functions of the former Office of the Commissioner of Insurance (OCI) four months ago on June 26. Taking this opportunity, I must thank the CIB, not only for its long years of service under the self-regulatory system and its unfailing...

... as「金融三十條」). • Cross-boundary motor and medical products • Service Centers • ILS development – the Central Government supports Mainland insurers to issue catastrophe bonds in HK by relaxing the requirements for establishing special purpose insurers. Greater Bay Area Development 11 Mr Simon Lam Hong...

... the Insurance Authority (IA), which took over the regulatory functions of the former Office of the Commissioner of Insurance (OCI) four months ago on June 26. Taking this opportunity, I must thank the CIB, not only for its long years of service under the self-regulatory system and its unfailing...

... are conducted and their ML risks, as summarised below, will be further discussed and explained by the relevant regulators / self- regulatory bodies: Sector Assessment Financial Sectors Banking High Securities Medium Money service operators Medium-high Insurance Medium-low Money lenders Medium-low...

... Systems and Senior Management Oversight 5 Product/service risk – what are the characteristics of the products and services offered and the associated ML/TF risks Delivery/distribution channel risk – whether they are direct sales, through intermediaries, or non- face-to-face channels AML/CFT Systems and...

... applying for the pre-authorisation service offered by your insurer after obtaining a quotation from a medical organisation or doctor. The insurer will let you know the pre-approved claim payment so that you can better assess your out-of-pocket expenses and consider whether to look at other treatment...

... provisions. Whenever there is a discrepancy, the policy will prevail. So you should check the details of the policy upon receipt, e.g. see whether there are any exclusions, deductibles/excesses and/or item limits. Call the customer service department of the insurance company or ask the insurance intermediary...