Financial Services and Treasury Bureau Welcomes PICC P&C's First Sidecar Insurance-Linked Securities Issuance in Hong Kong

The Financial Services and the Treasury Bureau welcomes PICC Property and Casualty's issuance in Hong Kong of the first "sidecar" insurance-linked securities, with a total issuance amount of US$12 million (about HK$94 million), protecting its mainland China offshore wind power insurance business through proportional reinsurance. Secretary Christopher Hui said the government will work with the Insurance Authority to promote insurance-linked securities, and will study amending the legislation to introduce "protected cell companies" to reduce issuance costs.

Government signs agreement with 45 insurers to extend two classes of compulsory insurance to Huanggang Port Hong Kong Port Area

The Government has signed a market agreement with 45 insurance companies to extend the coverage of compulsory motor insurance and employees' compensation insurance to the Huanggang Port Hong Kong Port Area, effective from 31 July, with no additional premium payable. The agreement was signed by the Financial Services and the Treasury Bureau with the insurance companies, in line with the coming into operation of the Huanggang Port Hong Kong Port Area Ordinance on 31 July, a practice similar to that when the Shenzhen Bay Port Hong Kong Port Area commenced operation in 2007. Policyholders may check the contents of the agreement and the list of signatory insurance companies on the bureau's website.

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署理財經事務及庫務局局長陳浩濂在立法會就《香港第一個五年規劃》及《施政報告》致謝議案致辭

署理財經事務及庫務局局長陳浩濂十月七日在立法會就《香港第一個五年規劃》及二○二六年《施政報告》致謝議案合併辯論致辭，提出強化國際金融中心、新增長點及「金融＋」三大方向措施。當中包括金管局與中國人民銀行探討優化貨幣互換協議、推出七天離岸人民幣流動資金投標機制，「債券通」抵押品接受範圍十一月起擴大，並建議由二○二六／二七課稅年度起將第二名及其後子女免稅額由14萬元提高至16萬元。

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保監局出版最新一期《監管通訊》 公布上半年652宗投訴並探討中介人操守

保監局出版最新一期《監管通訊》，公布2026年上半年共接獲652宗投訴，按年上升10%。封面故事探討數碼推廣中「標題黨」盛行下如何實踐負責任營銷，並闡述新興的「自我轉介」不合規安排及未有紀錄的回佣如何損害公平待客原則。其他議題包括假新聞在社交平台散播的影響、專業投資者豁免安排遭濫用的後果、管控要員（KPIM）角色及保監局執法行動。

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保監局查察後要求富衛人壽繳付1,950萬元打擊洗錢罰款

保監局完成實地查察後要求富衛人壽保險（百慕達）有限公司繳付港幣1,950萬元罰款，指其在識別第三方付款人、處理可疑交易、收集政治人物資料及客戶盡職審查四方面存在不足。該公司已落實改善措施，並確認並無因延誤偵測而讓不合資格的客戶成功投保。

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保險業監管局歡迎和支持《香港第一個五年規劃》及《2026年施政報告》

保監局歡迎和支持行政長官在《香港第一個五年規劃》及《2026年施政報告》公布的政策措施。主席姚建華表示，保監局將落實深化監管協作、打造特殊風險管理工具、優化風險為本資本制度等舉措。保監局亦致力培育專屬自保保險及保險相連證券生態圈、擴大「航運專項風險池」承保能力及推進「人工智能促進計劃」。

Insurance Authority visits National Financial Regulatory Administration

Insurance Authority Chairman Eddie Yue and Chief Executive Clement Cheung travelled to Beijing last week, visiting the National Financial Regulatory Administration on the afternoon of 3 September 2026 and meeting with Xiao Yuanqi, Party Committee Member and Deputy Director. The two sides had an in-depth exchange on the direction of further integrating Hong Kong's insurance industry into the country's overall development, as well as regulatory planning and cooperation.

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保監局於「一帶一路高峰論壇」辦專題分組論壇 探討香港擔當一站式風險顧問的角色

保監局於9月9日在「一帶一路高峰論壇」舉辦專題分組論壇，探討香港作為中國內地企業出海一站式風險顧問及管理者的角色。討論主持人、保監局執行董事（政策及法規）劉中健表示，「一帶一路」倡議已由個別基礎建設項目演變為全球業務生態圈的營運，企業需採取主動及綜合風險管理方案。論壇講者並探討香港在海事法律、貿易融資和保險的專業優勢如何提供無縫「一站式」體驗。

Insurance Authority promotes cross-sector collaboration to enhance climate resilience

The Insurance Authority announced the official launch of the 'Climate Insurance Lab', which will help the industry tackle climate risks through shared data infrastructure, regulatory guidance and a 'Product Innovation Platform'. The Insurance Authority hosted a themed event during Hong Kong Green Week, bringing together more than 200 industry leaders, policymakers and academics to explore the integration of insurance into urban planning. The event also presented the key findings of a climate modelling research project led by the Insurance Authority in collaboration with the Hong Kong Federation of Insurers and the Hong Kong University of Science and Technology.

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保監局與警方聯合行動拘捕15人 暫停認可FLMI為申領牌照學歷要求

保監局與香港警務處在2026年8月27日對一間營運FLMI考試中心採取聯合執法行動，搜查九個地點並拘捕15人，包括三名現職及三名前持牌保險中介人。因有跡象顯示舞弊已持續一段時間而LOMA未能有效監察，保監局即時暫停認可FLMI為保險中介人申領牌照的學歷要求，並會檢視經該考試中心獲取資格的個案。

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金管局等四家監管機構聯同數碼港公布GenA.I.沙盒++第一期參與者名單

金管局、證監會、保監局及積金局聯同數碼港公布第一期GenA.I.沙盒++參與者名單，近100份建議中36個用例獲選，來自30家金融機構和27家技術合作夥伴。第一期重點測試代理式人工智能，涵蓋客戶開戶、支付及保險理賠等流程，今年稍後在數碼港人工智能超算中心開始技術測試。

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金管局等四監管機構聯同數碼港公布GenA.I.沙盒++首期36個入選用例

金管局、證監會、保監局及積金局聯同數碼港8月27日公布第一期生成式人工智能GenA.I.沙盒++參與者名單，36個用例獲選，來自30家金融機構和27家技術合作夥伴，今次共收到近100份建議方案。首期重點探討代理式人工智能應用，測試涵蓋客戶開戶、支付、保險理賠及客戶互動等領域的完整流程。獲選者將進駐數碼港人工智能超算中心的專屬平台，於今年稍後開始技術測試。

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保險業監管局歡迎行政總監續任

政府再度委任張雲正為保險業監管局行政總監，任期三年，由2026年8月15日起至2029年8月14日。保監局主席姚建華指其任內成就包括落實與優化風險為本資本制度、制定專屬自保保險公司策略、孕育保險相連證券市場、成立航運專項風險池及推出加強監管分紅保單的措施。張雲正表示將與團隊攜手將香港打造成環球風險管理中心。

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香港再添兩間專屬自保保險公司 印證成功落實發展策略

保監局批出新授權予香港上海大酒店成立的HSH Captive Limited及順豐控股成立的順豐保險有限公司，令香港專屬自保保險公司總數增至九間。保監局行政總監張雲正表示，這印證了聚焦本地跨國企業、中國內地國有企業和民營企業的發展策略，並指新市場參與者將為香港培育成熟的專屬自保生態圈作出重要貢獻。

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保監局舉辦「人工智能促進計劃研討會」並歡迎三間新的重點參與保險公司

保監局今天（6月15日）舉辦「人工智能促進計劃研討會」，並歡迎三間保險公司成為計劃新的重點參與者，使自2025年8月以來的重點參與者總數增至10間。研討會上，重點參與者分享建立卓越中心、培育人工智能人才及推出人工智能解決方案的策略計劃，數碼港和港深創新及科技園代表則闡述跨界別協作方面的機遇。

Insurance Authority publishes consultation conclusions on amendments to risk-based capital regime

The Insurance Authority has published consultation conclusions on proposed amendments to the risk-based capital regime under the Insurance (Valuation and Capital) Rules (Cap. 41R). Respondents were broadly supportive of the amendments, with comments mainly concerning the scope of eligible infrastructure investments and deduction factors. The finalised amendments will be submitted to the Legislative Council for negative vetting, with a target effective date of 31 December 2026, and will include consequential amendments to Cap. 41T.

Insurance Authority publishes provisional statistics for the insurance industry in 2025, gross premiums total HK$827 billion

The Insurance Authority published provisional statistics for the insurance industry in 2025, with gross premiums totalling HK$827 billion during the period, up 29.7% year on year. New business premiums for long-term business were HK$330.9 billion, up 50.6%; gross premiums for general business were HK$108.5 billion, up 8%, while overall underwriting profit was HK$11.4 billion, up 39.7%.

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保險業監管局舉辦第三屆保險相連證券研討會

保監局今天（2026年4月22日）舉辦第三屆保險相連證券研討會，匯聚超過120位機構投資者、再保險公司、保險公司代表及專業服務提供者，共同分享洞見並建立夥伴合作。研討會設有三個專題討論環節，涵蓋環球及亞洲保險相連證券生態圈、保險相連證券在機構投資組合資產配置中的策略作用等。保監局主席姚建華致開幕辭，指香港有約3,380間家族辦公室進駐，最適合推廣應用另類風險轉移工具。

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保險業監管局加強青少年推廣 提升中學生人生風險管理意識

保監局於2026年第一季為中四至中六學生推出「超前部署你想人生」風險與保障網上問答比賽及線下大比拼，吸引58間中學、超過2,200名學生參與。活動與香港家庭福利會理財教育中心合作，配合網上學習教材及互動課堂。調查顯示72%參與學生同意活動提升相關知識，74%表示會改善理財行為。

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保監局於北京舉行專屬自保保險座談會 推廣香港作為專屬自保基地

保監局於北京舉行新一屆專屬自保保險座談會，吸引近100位來自中國內地及香港的企業、專屬自保保險公司、保險及再保險公司及專業服務提供者代表參與。執行董事（政策及法規）劉中健在開幕致辭指香港是內地企業發展專屬自保業務的理想地點，保監局將繼續構建自保生態圈。座談會設有三場主題討論。

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第一屆粵港澳深四地金融監管聯席會議

第一屆粵港澳深四地金融監管聯席會議於3月23日至24日在廣州南沙舉行，由廣東金融監管局主辦，香港金融管理局、香港保險業監管局、澳門金融管理局及深圳金融監管局代表出席。會議交流銀行業支援大灣區國際科創中心建設、人工智慧安全開發應用監管、跨境醫療場景保險服務便利化及消費者保障等議題，以深化四地金融監管合作。

Hong Kong Monetary Authority, Securities and Futures Commission, Insurance Authority and Mandatory Provident Fund Schemes Authority join forces to launch GenA.I. Sandbox++, expanding to multiple financial sectors

The Hong Kong Monetary Authority, Securities and Futures Commission, Insurance Authority and Mandatory Provident Fund Schemes Authority, together with Cyberport, announced the launch of GenA.I. Sandbox++, covering banking, securities and capital markets, asset and wealth management, insurance, the Mandatory Provident Fund and stored value payment instruments. The initiative focuses on risk management, anti-fraud and customer experience, with participating institutions receiving regulatory guidance, technical support, and free access to GPU computing resources at the Cyberport Artificial Intelligence Supercomputing Centre.

Hong Kong Monetary Authority, Securities and Futures Commission and four regulators join forces with Cyberport to launch GenA.I. Sandbox++

The Hong Kong Monetary Authority, Securities and Futures Commission, Insurance Authority and Mandatory Provident Fund Schemes Authority, together with Cyberport, announced the launch of GenA.I. Sandbox++, extending the 2024 GenA.I. Sandbox to banking, securities, insurance, MPF and stored value payment facilities. The initiative focuses on risk management, anti-fraud and customer experience, with participating institutions able to obtain regulatory guidance and free GPU computing resources.

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保監局譴責三間違反《打擊洗錢及恐怖分子資金籌集條例》的保險經紀公司並罰款42.9萬元

保監局對三間違反《打擊洗錢及恐怖分子資金籌集條例》（第615章）的持牌保險經紀公司作出譴責並施加港幣42.9萬元罰款，同時譴責三名相關人士。違規事項包括未能建立和維持有效客戶盡職審查程序、斷定客戶是否政治人物及備存相關紀錄，三間公司均已採取有效補救措施。紀律行動根據條例第21條作出。

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香港歡迎再有新自保公司成立

保監局向中國核工業集團公司成立的中核保險有限公司發出授權，這是2026年首個專屬自保保險公司授權，令紮根香港的自保公司總數增加至七間。保監局行政總監張雲正表示，將積極在中國內地及其他亞洲地區發掘潛在機會，介紹香港獨特的價值定位。

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保險業監管局歡迎2026-27年度《財政預算案》

保險業監管局歡迎2026-27年度《財政預算案》公布與國家「十五五」規劃全面對接的多項政策措施。主席姚建華指，保監局在推動成立專屬自保公司、發行巨災債券、採用人工智能、保險集團遷冊來港等範疇取得重大進展，並擬議修訂風險為本資本制度以鼓勵基礎設施投資。保監局大力支持政府延長「提升保險業人才培訓計劃」三年。

Insurance Authority launches public consultation on enhancing risk-based capital regime

The Insurance Authority today launched a public consultation on proposed amendments to the Insurance (Valuation and Capital) Rules (Cap. 41R), aiming to enhance Hong Kong's competitiveness as a global risk management hub while maintaining appropriate prudential safeguards. The proposed amendments cover preferential capital treatment for qualifying infrastructure investments, capital requirements for general business, as well as technical amendments to index-linked universal life insurance business, crypto-assets and specified stablecoins. The consultation paper has been uploaded to the Insurance Authority's website, and the public may submit comments on or before 10 March 2026.

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保監局：宏福苑火災約八成半理賠個案已處理完畢

宏福苑大火至今已有1,032宗理賠個案（85%）處理完畢，涉及金額近5.1億元。當中一般保險863宗完成、人壽保險169宗完成，涉及金額分別約4.5億元和6千萬元。行政總監張雲正表示餘下個案須實地勘察和損毀評估，保監局會與香港保險業聯會跟進。

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綠色和可持續金融跨機構督導小組公布2026至2028年策略重點

綠色和可持續金融跨機構督導小組召開第十二次會議，訂立2026至2028年策略重點，圍繞鞏固及深化香港可持續金融中心、拓展新興領域兩大支柱。措施包括加強可持續披露生態圈、透過香港促進可持續資金跨境流動、擴大轉型金融規模及支持氣候適應金融。會上同時檢視《香港可持續披露路線圖》實施情況及可持續核證進展，聯席主席為證監會行政總裁梁鳳儀與金管局總裁余偉文。

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專家探討香港航運樞紐發展為海事保險帶來的機遇

保監局於亞洲金融論壇1舉行專題討論環節「航向未來：香港海運發展為保險業開拓的新藍海」，由執行董事（政策及法規）劉中健擔任主持。專家提出推動海事保險可持續發展的三大關鍵要素：培育海事風險專業人才、應對航運科技創新與供應鏈數碼化趨勢，以及加強海事保險生態圈內多元服務的協同效應。

Insurance Authority releases provisional statistics for the insurance industry for the first three quarters of 2025

The Insurance Authority released provisional statistics for the first three quarters of 2025, with gross premiums totalling $637 billion during the period, up 32.5% year on year. New business premiums for long-term business were $264.5 billion, up 55.9%; gross premiums for general business were $82.9 billion, up 10.5%, while overall operating profit was $10.1 billion, up 50.5%.

Insurance Authority announces insurance payouts for Wang Fuk Court fire exceed $257 million

The Insurance Authority announced that, three weeks after the fire at Wang Fuk Court in Tai Po, insurance companies had paid out more than $257 million. There were 149 life insurance cases, of which 109 had been settled with payouts of about $41.5 million, while the remaining 40 were still being processed; general insurance covered 1,038 claims with payouts of about $204 million.

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傑出講者於「亞洲保險論壇2025」分享嶄新見解

保監局第八屆「亞洲保險論壇」於2025年12月8日舉行，吸引超過4,000名本地及海外人士現場和網上參與，主題為「迎難而上 擁抱創新」。國家金融監督管理總局副局長肖遠企及國際保險監督官協會副秘書長Romain Paserot作主題演講，論壇另設環球監管挑戰、人口結構轉變對保健及護老服務的影響，以及人工智能創新三個討論環節。

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保監局成立專責小組協調保險業界援助宏福苑火災受影響人士

保監局成立由管理層領導的專責小組，協調保險業界為受大埔宏福苑火災影響的人士提供支援及援助，確保業界投入足夠資源處理查詢和理賠申請。主席姚建華表示保險公司已設立熱線、簡化及加快賠償程序，並提供保單以外的額外支援；市民可致電保聯 2861-9367 或保監局 3899-9983 查詢。

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金融學院2026年度「金融領袖計劃」開始接受申請

金融學院宣布2026年度「金融領袖計劃」11月12日至12月14日接受報名，計劃為期約九個月、兼讀形式進行，預計2026年4月開始。計劃對象為現職於行政總裁以下約一至兩個級別的高級金融行政人員，自2022年推出以來獲正面反饋。申請詳情載於金融學院網站，只備英文版本。

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保監局呼籲保險業界於2025年立法會換屆選舉踴躍投票

保監局向獲授權保險公司、持牌保險代理機構、持牌保險經紀公司及保險業界組織發信，呼籲合資格選民於2025年12月7日舉行的立法會換屆選舉踴躍投票。保監局發言人指選舉制度完善後的立法會具廣泛代表性，呼籲選民為來屆立法會選出賢能。保監局亦透過員工內部通訊平台作宣傳，鼓勵員工和家人在選舉日投票。

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保監局「亞洲保險論壇2025」將於12月8日舉行 從監管挑戰、人口結構轉變和人工智能熱潮中探索機遇

保監局年度重點活動「亞洲保險論壇2025」將於12月8日舉行，主題為「迎難而上 擁抱創新」，講者來自監管協作、保健和護老服務及人工智能領域。論壇踏入第八年，公眾可在網站免費登記參加，並屬《持續專業培訓指引》（指引24）訂明的第7類合資格持續專業培訓活動。

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保險業監管局協辦香港金融科技周 倡導平衡監管與發展以加強韌性和促進可持續發展

保監局於香港金融科技週2025（2025年11月3日）宣布發表《聯盟式學習：開啟保險業創新之門》白皮書，由香港應用科技研究院研發並獲保監局支持。行政總監張雲正指聯盟式學習可在保障個人私隱下促成跨界別數據協作，並分享開放應用程式介面框架、網絡防衛評估框架及人工智能促進計劃等措施。保監局另與投資推廣署合辦「保險科技論壇」。

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保監局禁止王家強申請保險中介人牌照30年

保監局禁止王家強30年內成為保險中介人。他與至少九人串謀，在三年間安排病人冒充保單持有人作出虛假索償，詐騙其委任保險公司約HK$2,700萬元、獲利HK$1,350萬元，並偽造三張病假證明。他已遭廉政公署起訴，被判監禁六年四個月。

Insurance Authority publishes provisional statistics for first half of 2025, gross premiums total $423.4 billion

The Insurance Authority published provisional statistics for the first half of 2025, with gross premiums totalling $423.4 billion during the period. New business premiums for long-term business were $173.7 billion, up 50% year on year; in-force long-term business premium income was $365.0 billion, up 33.7%; gross premiums for general business were $58.4 billion, with an overall underwriting profit of $6.5 billion.