2017

i

1999 10

2000 6

2001 6

2004 9

2013 7

2017 8

1999 2000 2001 2004 2013 2017

ii

1 1/1

1 .1 1 /1

1.1.1

1.1.2

1.1.3

1 .2 1 /4

2 2/1

2 .1 2 /1

2.1.1

2.1.2

2.1.3

2 .2 2 /4

2.2.1

2.2.2

2.2.3

2.2.4

2.2.5

2.2.6

iii

3 3/1

3 .1 3/1

3.1.1

3.1.2

3.1.3

3.1.4

3.1.5

3.1.6

3 .2 3 /4

3.2.1

3.2.2

3.2.3

3.2.4

3.2.5

3.2.6

3 .3 3 /6

3.3.1

3.3.2

3.3.3

3.3.4

3 .4 3 /9

3.4.1

3.4.2

3.4.3

iv

3.4.4

3.4.5

3.4.6

3.4.7

3.4.8

3.4.9

3 .5 3 /14

3.5.1

3.5.2

3.5.3

3.5.4

3.5.5

3 .6 3 /16

3.6.1

3.6.2

3.6.3

3.6.4

4 4/1

4 .1 4 /1

4 .2 4 /2

4 .3 4 /2

4 .4 4 /3

4 .5 4 /3

4 .6 4 /4

v

4.7 4 /5

4 .8 4 /6

4 .9 4 /6

4 .10 4 /7

4.11 4 /8

5 5/1

5 .1 5 /1

5.1.1

5.1.2

5.1.3

5.1.4

5 .2 5 /4

5.2.1

5.2.2

5.2.3

5.2.4

5 .3 5 /6

5 .4 5 /7

5 .5 5 /7

5.5.1

5.5.2

5.5.3

5.5.4

vi

6 6/1

6 .1 6 /1

6.1.1

6.1.2

6.1.3

6.1.4

6.2 6 /13

6.2.1

6.2.2

6.2.3

7 7/1

7 .1 7 /1

7.1.1

7.1.2

7 .2 7 /2

7.2.1

7.2.2

7 .3 7 /12

7.3.1

7.3.2

7.3.3

vii

7.4 7 /13

7.4.1

7.4.2

7.4.3

7.4.4

7.4.5

7.4.5a

7.4.5b

7.4.5c

7.4.5d

7.4.6

7.5 7 /24

7.6 7 /24

7.6.1

7.6.2

7.6.3

(i) - (xx)

()()

( 1 ) - ( 7 )

- o - o - o

viii

1 12%

2 16%

3 30%

4 9%

5 5%

6 21%

7 7%

100%

1/1

1

1.1

1.1 .1 (Risk)

(a) ( f inancia l )

(b) (phys ical )

(c) (emot ional )

( insurable

r i sks)

( 1.1 .2a)

1

2 ( a l l r i sks)

1.1 .2 (Class if icat ion of Risk)

(a) (b)

1/2

1.1 .2a

:

( i ) (Pure r i sk) (

)

( i i ) (Specula t ive r i sk)

1 .1 .2b

( i ) (Par t icu lar r i sk)

( i i ) (Fundamenta l r i sk)

1.1 .3 (Risk Management)

(a)

( 1.1 .2a )

(b)

1/3

(c)

( i )

( i i )

( i i i )

-

-

-

-

-

( i ) - ( i i i )

1/4

1.2

(a) (primary funct ions /benef i ts )

( r isk t ransfer mechanism)

(b) (anci l lary funct ions /benef i ts )

( i )

( i i )

( i i i )

1.1 .3 (b)

( iv )

2000

(v)

- o - o - o -

1/5

10% 20%

1

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 1.1 .1 ]

2

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 1.1 .2a ]

3

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i i ) . . . . .

(b) ( i i ) ( iv) . . . . .

(c) ( i ) ( iv) . . . . .

(d) ( i ) ( i i i ) ( iv) . . . . .

[ 1.1-1 .1 .1 ]

1/6

4

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i ) ( i i ) ( i i i ) . . . . .

(c) ( i i i ) ( iv) . . . . .

(d) ( i ) ( i i ) ( i i i ) ( iv) . . . . .

[ 1.2 ]

2/1

2

2.1

2.1 .1

( cont ract )

(agreement )

2.1 .2

(a) (S imple contracts )

2/2

(b) (Deeds)

(Obl igee)

2.1 .3 (c)

2.1 .3

2.1 .2 (a)

(defect ive contracts )

1 (Void Invalid)

2 (Voidable)

3.2

3 (Unenforceable)

2/3

(a) (Offer )

counter-offer

(b) (Acceptance) (offeree)

(counter-offer )

(offeror)

(c) (Cons idera t ion)

( i )

( i i )

1.

2 .

2/4

(d) (Capaci ty to cont rac t )

(e) (Legality)

( f ) ( Intention to create legal relation)

2 .2

(a) (agent) (principal)

(b)

2.2 .2 2.2 .3

(c) (v icar ious

l i ab i l i t y)

2.2 .1

2/5

(a)

(b)

2.2 .2

(a)

(b ) (Ratification)

2.2 .3

2/6

(a) (Actual authority)

(b) (Apparent authority)

(c) (Authority of necessity)

(d) (Agency by estoppel)

2/7

2.2 .4 (Duties Owed by Agent to Principal)

(a)

(b)

(c)

(d)

(e)

2.2 .5 (Duties Owed by Principal to Agent)

(a)

(b)

(c)

2/8

2.2 .6 (Termination of Agency)

(a)

(b) (Revocation)

(c) (Breach)

(d)

(e)

( f )

(g)

- o - o - o -

2/9

1

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 2.1 .1 ]

2

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 2.2 .2 (b)]

3

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i ) ( i i i ) . . . . .

(c) ( i i ) ( i i i ) . . . . .

(d) ( i i ) ( iv) . . . . .

[ 2.1 .2 (a) ]

2/10

4

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i ) ( i i i ) . . . . .

(c) ( i i ) ( i i i ) . . . . .

(d) ( i ) ( i i ) ( i i i ) ( iv) . . . . .

[ 2.1 .3 ]

[ ]

3/1

3

3.1

3.1 .1

( Insurable In teres t ) (subject

mat ter of insurance)

3.1 .2

( Insurance Ordinance)

(Marine Insurance Ordinan ce)

3.1 .3

(a)

(b) (Subject Mat ter )

(c) 3.1 .1

3/2

3.1 .4

(a)

( l i fe insured) (b)

(c)

2.2(c)

(d) (Insurance of Legal Rights)

3.1 .5

(a)

(b)

(c) ( indemni ty

insurance)

3/3

3.1 .6 (Assignment)

(a) (Ass ignment of insurance contract)

(b) (Assignment of the r ight to

insurance money)

(c)

(d)

(e)

1

3/4

2

(Law Amendment and Reform (Consolidation)

Ordinance) 9

3 .2

3.2 .1 (Ordinary Good Faith)

3.2 .2 Utmost Good Faith

( materia l facts )

1

(Warrant )

2

3 .2 .3 Material Facts

(a)

3/5

(b)

(i) (ii)

(iii)

3.2 .4

(a)

(b)

(c)

(d)

3/6

3.2 .5 (Breach of Utmost Good Faith)

(a) (Fraudulent Misrepresenta t ion)

(b) (Non-fraudulent Misrepresenta t ion)

(c) (Fraudulent Non -disc losure)

(d) (Non-fraudulent Non-disc losure)

3.2 .6

(a)

(b) (a)

to r t

(c) (waive the breach)

3 .3 (Proximate Cause)

3.3 .1

3/7

3.3 .2

(a) ( Insured per i l )

(b) (Excepted (excluded) per i l )

(c) (Uninsured per i l )

3.3 .3

(a)

(b )

(c)

( i )

3/8

( i i )

( i i i )

(d)

( i )

( i i )

( i i i )

( iv)

3/9

3.3 .4

(a)

(b)

3.4 (Indemnity)

3.4 .1

( indemni ty)

3/10

3.4 .2

3 .4 .3

3.1

3.4 .4

(a) (Cash payment )

(b) (Repai r )

(c) (Replacement )

(d) (Reins tatement )

3/11

3.4 .5 (Salvage)

(sa lvage )

(a)

(b)

Salvage

( sa lvage )Salvage

3.4 .6 (Abandonment)

(subrogat ion ) 3.6

3 .4 .7

(a) (Average)

3/12

( average )

(b) (po l icy excess /deduct ible)

(c) ( f ranchi se)

(d) (Pol icy Limi ts ) (Sum Insured)

( i ) (Single Art ic le Limi ts )

3/13

( i i ) (Sect ion Limi t )

3.4 .8

(a) (Reinsta tement insurance)

Reinstatement

3.4 .4 (d)

(b) ( New for Old cover)

(c) (Agreed value pol ic ies )

( valued pol ic ies )

(d)

3.4 .9

3/14

3.5 (Contribution)

3.5 .1

3.5 .2

3.5 .3

(a)

(b)

(c)

(d)

(e)

3/15

(b)

(b)

(subrogat ion)

3.6

3.5 .4

3.5 .5

(a) (Rateable Propor t ion Claus e)

(Cont r ibut ion Condi t ion)

3.5 .1

3/16

(b) (Non-cont r ibut ion Clause)

(c)

3.6 (Subrogation)

3.6 .1

3.6 .2

(a) ( tort) ( th i rd par ty)

3/17

(b)

(c)

(d) (Salvage)

3.4 .5

3.6 .3

3.6 .4

(a)

(b)

( i )

( i i )

3.4 .6

( i i i )

3/18

(1)

(2)

(3)

- o - o - o -

3/19

1

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 3.1 .1 ]

2 ?

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 3.1 .5 ]

3

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i ) ( i i i ) . . . . .

(c) ( i i ) ( i i i ) ( iv) . . . . .

(d) ( i ) ( i i ) ( i i i ) ( iv) . . . . .

[ 3.2 .5 ]

3/20

4

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) ( i i i ) . . . . .

(b) ( i ) ( i i ) ( iv) . . . . .

(c) ( i ) ( i i i ) ( iv) . . . . .

(d) ( i i ) ( i i i ) ( iv) . . . . .

[ 3.4 .8 ]

[ ]

4/1

4

4.1

4.3

(compulsory)

(a)

(b)

(c) (Product research)

( i )

( i i )

( i i i )

4/2

4.2

(Client Servic ing)

(a)

(b) (Publ ic re lat ions)

(c)

(d)

4.3

4.1

(a)

( i )

( i i )

( i i i )

( iv )

(b)

(c) (Advert i s ing)

4/3

( i )

( i i )

( i i i )

( iv )

(d)

(e)

4.4

(a)

(b)

(c)

4.5 (Underwriting)

( renewal )

(a)

4/4

(b)

(c)

(d) (Target r isks)

(e) (Stop- l is ts )

7.3

4.6

(a)

(Pol icy Document )

(b)

(c)

4/5

(d)

4.7

(a)

( i )

(pr imary benef ic iary)

( i i )

( i i i )

( iv )

(v)

4.5

(b)

(c)

( i )

( i i ) (Quantum)

4/6

(d)

4.8 (Reinsurance)

911

(a)

(b)

( underwri t ing capaci ty )

(c)

(d)

4.9

(a)

4/7

1

2

(b)

( long- ta i l bus iness)

(shor t - ta i l business )

(c)

4.10

(a)

(b)

(c)

(d)

4/8

4.11

(a)

(b)

(c)

(d)

(e)

( f )

- o - o - o -

4/9

1

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 4.1 ]

2

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 4.5 ]

3

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i i ) ( i i i ) . . . . .

(c) ( i ) ( i i i ) ( iv) . . . . .

(d) ( i ) ( i i ) ( i i i ) ( iv) . . . . .

[ 4.7 (a) ]

4/10

4

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i ) ( i i i ) . . . . .

(c) ( i i ) ( i i i ) . . . . .

(d) ( i i i ) ( iv) . . . . .

[ 4.10 ]

[ ]

5/1

5

5.1

(a)

(b)

(c) 5 .1 .1 (Statutory Class if ication)

( Insurance Ordinance)

1

(a) (Long Term Business)

A - C

B -

C -

D -

E (Tontines)

-

F

-

G

I

-

H

II

-

I

II I

-

G H

5/2

B E F

(b) (General Business )

1 -

2 -

D

3 -

4 -

5 -

6 -

7 -

8

-

9 - 3 8

10

-

11

-

12

-

13 - 10 12

14 -

15 (Suretyship) -

16 -

17 -

1

5/3

5.1 .2 (Pract ica l Classif ication of Insurance)

(a)

( i )

( i i )

(b)

( i )

( i i )

( i i i )

(c)

( i )

( i i )

5.1 .3 (Academic Class if icat ion of Insuran ce)

(a) ( Insurance of the person) (personal

insurance)

(b) ( Insurance of property)

5/4

(c) ( Insurance of liability)

(d) ( Insu rance of pecuniary in teres t s )

(a) (c )

5.1 .4 (Reinsurance)

6.1 .1e

(a) (Outwards re insurance)

(b) (Inwards re insurance)

( Profess ional Reinsurer s )

5.2

(a)

(b)

(c)

(d)

5 .2 .1

(a) ( Pure Long Term Business ) (

5.1 .1 (a) )

5/5

(b) ( Pure General Business )

5.1 .1 (b)

(c) ( Composi te )

5.2 .2

6.2

5.2 .3

5.2 .4

(a)

(b)

5/6

5.3

5.2 .1

(a)

(b)

( i )

( i i )

(c) (Market co -operat ion)

5.5

HKFI

5/7

5.4 (Insurance Intermediaries)

(5.2 .2 )

6.2

(a)

6.2 .1

(b)

(c)

(d) 5.5

5.5

5.5.1

(Hong Kong Federat ion of Insurers ( HKFI ) (a) 5.3 (c)

(b)

(c) ( Insurance

Agents Regis t ra t ion Board ( IARB ) )

6.2 .2

5/8

5.5 .2 (Approved Bodies of Insurance Brokers)

(au thor i sed)

(a) (The Hong Kong Confedera t ion of Insurance

Brokers ) (b) (Professional Insurance Brokers

Associa t ion )

5 .5 .3

(a) (The Insurance Cla ims Complain ts Bureau)

6.1 .4 (b) (Motor Insurers Bureau of Hong Kong

( MIB ) )

(c) (Employees

Compensat ion Insurer Insolvency Bureau ( ECIIB ) )

ECIIB

5.5 .4

(Employees Compensat ion Insur ance Res idual Scheme ( ECIRS )

ECIRS

- o - o - o

5/9

1

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 5.1 .1 ]

2

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 5.1 .4 ]

3

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i i ) ( i i i ) . . . . .

(c) ( i i ) ( iv) . . . . .

(d) ( i i i ) ( iv) . . . . .

[ 5.1 .1 ]

5/10

4

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i ) ( i i i ) . . . . .

(c) ( i i ) ( i i i ) . . . . .

(d) ( i i i ) ( iv) . . . . .

[ 5.3 ]

[ ]

6/1

6

6.1

2015 2015

2015 7 10 2015

6.1 .1 (Insurance Ordinance)

41

1983 6

2015 2017

6 26 41

( i )

( i i )

( i i i )

( iv) (v)

6/2

2017 6 26

6.2

6.1 .1a

(a)

(b)

(c)

(d)

6.1 .1b

(Paid-up Capi ta l )

(a)

(b)

(c)

(d)

6.1 .1c

(Solvency Margin)

6/3

(a)

( i )

( i i )

(b)

(c)

(b)

(a)

(d)

6.1 .1d

(a)

(b )

(c)

(d)

(e)

6/4

( f )

(g)

6.1 .1e (Adequate Reinsurance )

)

2(7)(b) (c)

6/5

6 .1 .1f (Insurance Ordinance)

(a)

( i )

( i i )

(aa)

(b)

( i )

( i i )

(c) (Report ing Requirements)

( i )

( f inancia l s ta tements )

( i i )

( i )

6/6

(General Bus iness Return)

(Sta tement of Assets and

Liabi l i t i es )

( i i i )

( i )

(Actuar ia l Inves t i gat ion

Repor t )

(1) (Elect ronic

Transact ions Ordinance)

(2)

6/7

(d) (Transparency)

2000 6

(e) 2015

6 .1 .1g (Powers of Intervent ion)

(a)

(b)

(c)

(d)

(e)

( f )

(g)

6.1 .2 (Code of Conduct for Insurers)

) ( HKFI )

6/8

6.1 .2a

6/9

(a)

(b)

(c)

(d)

(e )

6 .1 .2b

(a)

(b)

(i)

(ii)

(iii)

( iv)

(c)

(d)

(e)

6 .1 .2c

(a)

6/10

(b)

( i )

( i i )

( i i i ) (warranty)

(c)

(d)

( i )

( i i )

( i i i )

( iv )

6 .1 .2d (Management of Insurance Agents)

(a)

6.2 .2

(b)

(c)

(d)

6/11

6 .1 .2e (Inquiries, Complaints and Disputes)

(a) 6.2 .2

(b) ( ICCB ) 6.1 .4 ICCB

6.1.3

6.1 .3a

(a)

(b)

(c)

(d)

(e)

6/12

(f)

(g)

(h)

(i)

(j)

(k)

(l)

(a)

(b)

(a)

(b)

(c)

(d)

6/13

6 .1 .3b

6.1 .3c

6.1 .4 (Insurance Claims Complaints Bureau (ICCB) )

6 .1 .4a

(a) ( Insurance Cla ims Complaints

Panel )

(b)

(c)

(d)

(e)

6/14

6 .1 .4b

(a)

(b)

(c)

(d)

(e)

( f )

(g)

(h)

( i )

6.2

41 X

1995 6 30

( IARB) (CIB)

(P IBA)

6.1 .1 2017 6 26

6/15

6 .2 .1

(a)

(b)

(c)

(d) ( i )

( i i )

( i i i )

( iv )

6/16

(v)

(v i )

(v i i )

(v i i i )

6.2 .1a (Appointed Insurance Agent)

(1) (2)

(1) (2)

6/17

(1) (2) 6.2 .1a

6.2 .2 (Code of Pract ice for the

Adminis trat ion of Insurance Agents)

6 .2 .2a

(a)

=

=

48

=

=

=

(i)

(ii)

= (a)

(b)

(c)

(d)

6/18

=

=

= X

= 15

30

(a)

(b)

(c)

(d)

=

(i)

(ii)

=

(i)

(ii)

6/19

=

=

(b)

6 .2 .2b

(a)

( i )

( i i )

( i i i )

( iv )

(v)

(v i )

X

6/20

(b)

(c) ( In terpre ta t ion and

General Clauses Ordinance)

6 .2 .2c

(a)

(b)

( i )

( i i )

6.2.2e

( i i i )

(c)

6/21

(d)

( i )

( i i ) ( i )

( i ) ( i i )

( i i i ) ( i )

( i ) ( i i )

( i )

( i i )

( i )

( i i )

( iv ) ( i )

(1) ( i )

( i i )

(2) ( i )

( i i )

(3) ( i )

( i i )

( i )

( i i )

(v)

6/22

(v i ) ( i ) - ( i i i )

(e )

( f )

( i )

( i i )

( i i i )

( iv )

(v)

6.2 .2f

(v i )

(v i i )

(v i i i )

( ix )

(x ) (Travel Agents

Ordinance)

(g)

6/23

( i )

( i i )

( i i i )

( iv )

(v)

(vi)

(v i i )

(h )

( i )

( i )

( i i )

( j )

( i )

( i i )

6 .2 .2d

(a)

(b)

6/24

( i )

( i i )

( i i i )

( iv )

(v)

(v i )

(c)

( i )

( i i )

( i i i )

( i ) ( i i )

6/25

( iv)

(v)

(v)

(v )

(1)

(2)

(3)

(v i )

(1)

(2)

(v i i )

(v i i i )

6/26

(d )

(Appeals Tribunal )

( i )

( i i )

( i i i )

(1)

(2)

( iv )

14

(v)

(v i )

(v i i )

(e )

6/27

6.2 .2e ( Fit and Proper

Criteria)

(a )

( i )

( i i )

( i i i )

( iv )

(v)

(v i )

(v i i )

6.2 .2f

6.2 .2g

(v i i i )

( ix ) 61 70

(d)

(x )

(x i )

6/28

(x i i )

(1)

(2)

(x i i i )

(b)

( i )

( i i )

(c)

( i )

( i i )

61 b d

(d)( i ) (2) - (4) 70

(d)( i i i )

(d )

( i )

(1)

(2)

(3)

6/29

(4)

(5)

( i i )

( i i i )

6 .2 .2f (Model Agency Agreement)

6.2 .2g

(a)

( i )

( i i )

( i i i )

(1)

6/30

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(Personal Data (Pr ivacy) Ordinance)

(9)

(10)

(11)

6/31

( iv)

(1)

(2)

(b)

(a)

( i ) (a)( i )

( i i ) (a)( i i )

( i i i ) (1) (a)( i i i ) (1)

(2) (a)( i i i ) (2)

(3) (a)( i i i ) (3)

(4) (a)( i i i ) (5)

(5) (a)( i i i ) (6)

(6) (a)( i i i ) (8)

(7) (a)( i i i ) (9)

(8) (a)( i i i ) (10)

(9)

(10)

(11)

(12)

6/32

(13)

( iv ) (a) ( iv) (1) (2)

(v)

(1)

(2)

(3)

(4)

(5)

(6)

(7)

6/33

6.2.2h

(a) (Guidel ines on Misconduct)

4

( i )

/

( i i )

( i i i )

6/34

( iv)

(b) (Guidel ines on

Handl ing of Premiums) 5

( i )

/

( i i )

(c)

(Guidel ines on the Effect ive Date of Regis trat ion of

Insurance Agents , Responsible Off icers and Technical

Representat ives) 6

( i )

(ii)

6/35

77

77

(d) (Guidance Note on

Compl iance with the Requirements of the Continuing

Profess ional Development (CPD) Programme)

7

( i )

(ii)

10

10

12

6/36

(iii)

(iv)

(v)

3

12

(e) (Guidance Note on

Restr icted Scope Travel Business) 9

( i )

(1)

(2)

(ii)

61 (c)

6/37

61 (c)

61 (c) (iii)

(f)

(Guidance

Note on Compl iance with the Requirements of the

Continuing Professional Development (CPD)

Programme for Regis tered Persons who are Regis tered

as Engaging in Restr icted Scope Travel Business

(RSTB) Only) 10

( i )

(ii)

3

6/38

3

12

(iii)

(iv)

(v)

3

12

(g) 2010 3 1

(Guidance Note Applicable to Regis tered Persons

Wishing to Engage/Continue to Engage in

Investment - l inked Long Term (ILLT) Insurance

Business on or af ter 1 March 2010) 11

( i )

2010 3

1

6/39

2010 3

1

( i i )

2010 3 1

2010 3 1

2010 3

1 2012 2 29

20

2012 2 29

6.2 .3 (Minimum Requirements

Specif ied for Insurance Brokers)

X

(a)

(b)

6.2 .3a

6.2 .3d

(a)

(b)

(c)

(d)

(e)

6/40

1

2 (Secur i t i es and Futures

Ordinance)

6.2 .3b

(a)

(b)

(c)

6.2 .3c

(a)

(b)

(c)

6.2 .3d

(a)

6/41

( i )

( i i )

( i )

( i i )

( i i i )

6/42

(b)

( i )

( i i )

( i i i )

(c)

( i )

( i i )

( i )

( i i )

(d)

( i )

( i i )

( i i i )

(Banking Ordinance)

( iv )

(v)

6/43

(e)

( i )

(1)

(2)

(3)

(4)

( i i )

(1)

(2)

(3)

( i i i )

( f )

( i )

( i i )

( i i i )

( i )

(1)

(2)

(3)

6/44

(4)

(5)

(6)

(7)

( i i )

(1)

(2)

(3)

(4)

(5)

(6)

(7)

6/45

(8)

(9)

(10)

( i i i )

(1)

(2)

(3)

( iv )

(1)

(2)

(3)

(4)

6/46

(v)

(1)

(2)

(3)

(4)

(5)

(6)

(v i )

(1)

(2)

6/47

(3)

(4)

9

(1)

(2)

6.2 .3d (a)

(3)

6.2 .3d (a)

(4)

6/48

6.2 .3e (Annual Financia l

Statements and Auditor s Report)

(a) 73(1)

(b)

6.2 .3d (b)

(e)

(c) (a) (b )

(d)

(a) (b)

(e)

( i )

( i i )

- o - o - o -

6/49

1

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 6.1 .1a ]

2

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 6.2 .2d (c) ( i ) ]

3

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i ) ( i i ) ( i i i ) . . . . .

(c) ( i i i ) ( iv) . . . . .

(d) ( i ) ( i i ) ( i i i ) ( iv) . . . . .

[ 6.2 .2d (c) (v)]

6/50

4

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i ) ( i i ) ( i i i ) . . . . .

(c) ( i i i ) ( iv) . . . . .

(d) ( i ) ( i i ) ( i i i ) ( iv) . . . . .

[ 6.2 .2 ]

[ ]

7/1

7

7.1

(a)

(b) (a)

(c)

(d)

(e)

( f )

7.1 .1

(a)

(b) 6.2 .3

( i ) 6.2 .3d (d)

( i i ) 6.2 .3d ( i )

( i i i ) 6.2 .3d ( f )

7/2

(c)

(d)

(profess ional

negl igence)

6.2 .3d (c)

7.1 .2

(a)

7.1

(b)

6.2 .2f

6.2 .2f

(c)

7.2 (Protection of Personal Data)

[Personal Data

(Pr ivacy) Ordinance]

7/3

7.2 .1

(a)

[ the Off ice of the Pr ivacy Commiss ioner for Personal Data ]

(b)

( i )

( i i )

(1)

(2)

(3)

(c)

( i ) 1

( i i ) 2

(a) (b)

7.2 .1 (d)

7/4

( i i i ) 3

( iv ) 4

( i i )

7.2 .1 (d)

(v) 5

(v i ) 6

7/5

(d) 2

4

(i)

2 4

(1)

(2)

(3)

(4)

(5)

(ii)

( i i i )

7/6

(1)

(2)

(3)

(4)

(e) VIA

( i ) VIA

(1)

(2)

( i i )

7/7

( i i i )

(iv)

14

7/8

(v)

$500,000 3

(vi)

(v i i )

$1,000,000

5 $500,000

3

( f )

( i )

(a)

(b)

$1,000,000 5

( i i )

(1)

7/9

(2)

(3)

(4)

(g)

2

4

(h)

( i )

( i i )

( i i i )

7/10

( i )

( i )

( i i )

( i i i )

7.2 .2

(a)

( i )

1

10

( i i ) 1

(b)

1

( i ) 2.3

7/11

( i i )

3.2

2 3

(c)

( i )

( i i )

(d)

( i )

( i i ) ( i )

(e)

4

( i )

7/12

( i i )

7.3

7 .3 .1

(Equal Opportuni t ies Commiss ion (EOC))

(a) (

(Sex Discr iminat ion Ordinance))

(b) (

(Disabi l i t y Discr iminat ion Ordinance))

(c) (

(Fami ly Sta tus Discr iminat ion Ordinance))

(d) (

(Race Discr iminat ion Ordinance))

7.3 .2 ( Fair Discriminat ion in Insurance)

(a)

(b)

(a)

( i )

7/13

( i i )

(b)

7.3 .3 (Unfair Discriminat ion in Insurance)

(a)

(b)

7 .4

7.4 .1

(a)

(b)

7.4 .2

(a)

( i )

7/14

( i i )

(b)

(c)

7.4 .3

(a)

(b)

(c)

(d)

7/15

7 . 4 . 4

3

( a )

( b )

( c )

7.4 .5

( An t i -Mon e y Lau n d e r i n g and C ou n t e r -T e r ro r i s t F in an c i n g

( F i n an c i a l In s t i t u t io ns ) O r d i nan ce ) ( D ru g

T r a f f i ck in g (R ecove r y o f P r o ceed s ) Ord in an ce)

( O r gan iz ed an d Se r io us Cr imes Or d i n an ce )

( Un i t ed N a t i on s ( A n t i - T er r o r i s m M eas u r es )

O r d i n an ce )

7 .4 .5a

(Anti -Money Laundering and Counter -Terroris t Financing

(Financia l Insti tut ions) Ordinance)

2 23

( a ) 2 2

3 (b )

7/16

2

7

2

7

3

7.4 .5b (Drug Traff ick ing (Recovery

of Proceeds) Ordinance)

14

3 50,000

3

7/17

7.4 .5c (Organized and Serious

Crimes Ordinance)

14

3 50,000

3

7.4 .5d (United Nat ions

(Anti -Terrorism Measures) Ordinance)

2001 9 28 1373

1373

14

3

50,000

3

7/18

7.4 .6

7 .4 .6a

7

133

(a)

(b)

2 2

7/19

7 . 4 . 6b

2 2 3

7 . 4 . 6c

2 2 3

2 2 3

( a )

( b )

2 5 ( A)

7/20

7.4 .6d

7.4 .6e

7.4 .6f

7.4 .6g

(Uni ted Nat ions Sanct ions

Ordinance)

7/21

7.4.6h

7

14

(United Nations (Anti -Terrorism Measures)

Ordinance)

4

(Weapons of Mass Destruction (Control of Provision of Services) Ordinance)

4

7.4.6i

7/22

13224

7.4 .6j

(a )

(b)

(c)

7/23

7.4 .6k

2 3

(a)

(b)

7 .4 .6 l

7/24

7.4 .6m

2 12

7.5

(Prevent ion of Br ibery

Ordinance)

7 .6

7/25

3.2

7.6 .1

( secondary party )

( principal perpetrator principal )

7.6 .1

(secondary party , secondary part ic ipant accessory )

( jo int principals )

77 (1)

7/26

7.6 .2

(a)

(b)

7/27

7.6 .3

(a)

(b)

(c)

(d)

- o - o - o -

7/28

1

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 7.2 .1 (a) ]

2

(a) . . . . .

(b) . . . . .

(c) . . . . .

(d) . . . . .

[ 7.3 .1 ]

3

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i ) ( i i i ) . . . . .

(c) ( i i ) ( iv) . . . . .

(d ) ( i ) ( i i ) ( i i i ) ( iv) . . . . .

[ 7.2 .1 (c) ]

7/29

4

( i )

( i i )

( i i i )

( iv )

(a) ( i ) ( i i ) . . . . .

(b) ( i i ) ( i i i ) . . . . .

(c) ( i i ) ( iv) . . . . .

(d) ( i ) ( i i i ) ( iv) . . . . .

[ 7.4 .3 ]

[ ]

(i)

(Abandonment)

3 .4 .6

(Academic Class i f icat ion of Insurance)

5.1 .3

(Acceptance)

2.1 .3 (b)

(Accounting and Investment)

4.10

(Actuarial Support)

4.9

(Adequate Reinsurance)

6.1 .1e

(Adminis trator)

3.1 .4 (b)

(Agency) 2.2 .1

(Agency by Estoppel )

( ) 2.2 .3 (d)

(Agent) 2.2 (a)

(Agreed Value Pol icy)

3.4 .8 (c)

(ii)

All Risks

1.1 .1 2

(Anci l lary Funct ions of Insurance)

1.2 (b)

(Annual Financia l Statements and Auditor's

Report) 69

6.2 .3e

(Annuity)

5.1 .1 (a)

(Apparent Authori ty)

2.2 .3 (b)

(Appeals Tribunal )

6.2 .2d (d)

(Approved Bodies of Insurance Brokers)

70

5.5 .2

Assignment of Pol icy (Insurance Contract)

3.1 .6

(Assignment of the Right to Insurance Money)

3 .1 .6

(iii)

(Average) ( )

3.4 .7 (a)

(Average)

3.4 .7 (a)

(Bai lee )

3.5 .3

(Breach)

2.1 .3 , 2.2 .5 (c)

(Capaci ty) 1 Capacity to Contract

2.1 .3 (d)

2 Underwriting Capacity

4.8 (b)

(Captive Insurer)

6.1 .1b (d)

(Cash Payment) 3.4 .4 (a)

(Claims)

4.7

(Claims(Denial ) )

6.1 .2c (b)

(Claims Outstanding)

6 .1 .1c (a) ( i i )

(iv)

(Class if icat ion of Risk) 1.1 .2

(Cl ient Account)

6.2 .3a (d)

(Cl ient Servic ing) (Customer Servic ing) 4.2

(Code of Conduct for Insurers)

1999 5

6.1 .2

(Code of Pract ice for the Adminis trat ion of

Insurance Agents)

6.2 .2

(Col lectabi l i ty)

6.1 .1e

(Complaints and Disputes)

6.1 .2e

(Composi te (Insurer))

5.2 .1 (c)

(Contract) 2.1 .1

(Counter-offer)

2.1 .3 (b)

Customer Servic ing or Cl ient Servic ing

4.2

(v)

Deeds 2.1 .2 (b)

Deemed 2.2 .1

Defect ive Contract

2.1 .3

(Duties Owed by Agent to Principal )

2.2 .4

(Duties Owed by Principal to Agent)

2.2 .5

Electronic Transact ions Ordinance 2000 4

,

6.1 .1f (c) 1

(Emotional (Risk))

1.1 .1 (c)

(Employees ' Compensation Insurance)

5.1 .1 (b)

(Endorsement)

4.6 (d)

(Equal Opportuni ty)

7.3 .1

(Equity)

3.5 .1

(Excepted (Excluded) Peri l )

3.3 .2 (b)

(vi)

(Excess)

3.4 .7 (b)

(Executor)

3.1 .4 (b)

( Fair Discriminat ion in Insurance)

7.3 .2

(Fidel i ty Guarantee) ( )

5.1 .1 (b)

(Financia l (Risk))

1.1 .1 (a)

(Fi t and Proper)

6.1 .1d,

6 .2 .2e , 6 .2.3a

(Fi tness and Properness of Regis tered Persons )

6.2 .2e

(Franchise)

3.4 .7 (c)

(Fraud (Insurance))

7.6

(Fraudulent Misrepresentat ion)

3.2 .5 (a)

(vii)

(Fraudulent Non -Disclosure)

3.2 .5 (c)

(Fundamental Risk)

1.1 .2b ( i i )

(Genera l Business)

5.1 .1 (b)

(General Insurance)

5.1 .1 (b)

Group of Companies

22(b)

(Companies Ordinance) 2(4) - (7)

6.2 .2c (d)( i i i )

(Guidel ines on Handl ing of

Premiums) IARB

6.2 .2h (b)

(Guidel ines on Misconduct)

IARB

6.2 .2h (a)

(Guidel ines on the

Effect ive Date of Regis trat ion of Insurance Agents , Responsib le

Off icers and Technical Representat ives)

IARB

6.2 .2h (c)

(The Hong Kong Confederat ion of Insurance Brokers)

5.5 .2 (a)

(viii)

(Hong Kong Federat ion of Insurers) HKFI

HKFI

5.5 .1

(Indemnity)

3.4 .1

(Indemnity (How Provided))

3.4 .4

( Insurable Interest )

3.1 .1

(Insurable Risk)

1.1 .1

(Insurance Agent)

2.2

(Insurance Agents Regis trat ion Board) IARB

6.2.2a(a), 6.2.2b

(Insurance Broker)

2.2 (a)

(Insurance Claims Complaints Bureau)

6.1 .4

(Insurance Claims Complaints Panel )

6.1 .4a

(ix)

(Insurance Intermediaries )

2.2 (a)

(Insurance Intermediaries Duties to

Pol icyholders)

7.1

(Insurance of Legal Rights)

3.1 .4 (d)

(Insurance of Liabi l i ty)

5.1 .3 (c)

(Insurance of Pecuniary Interests )

5.1 .3 (d)

(Insurance of Property)

5.1 .3 (b)

(Insurance of the Person)

5.1 .3 (a)

(Insurance Ordinance)

41 (Insurance Companies Ordinance) 2015

2017 6 26

41 6.1 .1

(Insurance Sales )

4.4

(Insured Peri l )

3.3 .2 (a)

(x)

(Insurer)

1 .1 .2a

(Intent ion to create legal re lat ion)

2.1 .3 ( f )

(Inval id (Contract) ) 2.1 .3

(Inwards Reinsurance)

5.1 .4 (b)

(Joint Tortfeasor)

3.6 .4 (b)( i i i ) (2)

(Legal i ty (Contract) )

2.1 .3 (e)

(Li fe Insurance)

5.1 .1 (a)

(Long-ta i l Business)

4.9 (b)

(Long Term Business)

5.1 .1 (a)

(Loss Prevent ion)

1 .1 .3 (c) (iii)

(Loss Reduct ion)

1 .1 .3 (c) (iii)

(xi)

(Management of Insurance Agents)

IV

6.1 .2d

(Marine Clause)

3.5 .5 (c)

(Market Co-operat ion)

5.3 (c)

(Market ing and Promotion)

4.3

(Materia l Fact)

3.2 .3

(Minimum Req uirements Specif ied for

Insurance Brokers) X

6.2 .3

(Model Agency Agreement)

6.2 .2f

(Money Laundering)

7 .4 .1

(More Speci f ical ly Insured)

3.5 .5 (b)

(xii)

(Motor Insurers ' Bureau of Hong Kong)

5.5 .3 (b)

( New for Old Cover)

3.4 .8 (b)

(Non-Contribut ion Clause)

3.5 .4 (b)

(Non-Fraudulent Misrepresentat ion)

3.2 .5 (b)

(Non-Fraudulent Non -Disclosure)

3.2 .5 (d)

(Obl igee)

2.1 .2 (b)

(Offer (Contract) )

2.1 .3 (a)

(Offeree) 2.1 .3 (b)

(Offeror) 2.1 .3 (a)

(Ordinary Good Fai th)

3.2 .1

(Outwards Reinsurance)

5.1 .4 (a)

(xiii)

(Paid-up Capita l )

6.1 .1a&b, 6 .2 .3d (b)

(Part ic ipat ing Pol icy)

4.7 (a) (v)

(Part icu lar Risk)

1.1 .2b ( i )

(Performance Bond) 5 .1 .1 (b)

(Peri l )

1.1 .1 2,3.3 .2

(Personal Data Protect ion)

7.2

(Phys ical (Risk)) 1.1 .1 (b)

(Pol icy)

2 .1 .1

(Pol icy Condit ion)

3.5 .5

(Pol icy Limits )

3 .4 .7 (d)

(Powers of Intervent ion)

6.1 .1g

(xiv)

(Pract ica l Class if icat ion of Insurance)

5.1 .2

(Premium) 4.6 (d)

(Primary Funct ions of Insurance)

1.2 (a)

(Principal ) 2.2 (a)

(Product Development)

4.1

(Product Research)

4.1 (c)

(Profess ional Indemnity Insurance)

6.2 .3d (c)

(Profess ional Insurance Brokers Associat ion)

5.5 .2 (b)

(Profess ional Negl igence)

7.1 .1 (d)

(Professional Reinsurer)

5.1 .4

/ (Proposal Form (Appl icat ion Form))

2.1 .3 (a)

(Proposer)

2.2 (a)

(xv)

(Proximate Cause)

3.3

( Pure General Business)

5.2 .1 (b)

( Pure Long Term Business)

5.2 .1 (a)

(Pure Risk) 1 .1 .2a ( i )

(Quantum) 4.7 (c) ( i i )

(Rateable Share)

3.5 .5 (a)

(Rati f icat ion)

2.2 .2 (b)

(Regis ter of Insurance Agents)

6.2 .2d (a)

(Regis tered Person )

6 .2 .2a(a)

(Regulat ion of Insurance Intermediaries )

( IARB)

(CIB) (PIBA) 2015

6.2

(xvi)

Reinstatement (Property Insurance)

3.4 .4 (d)

(Reinstatement Insur ance)

3 .4 .8 (a)

(Reinsurance)

4.8

(Renewal) 4.5 (b)

(Replacement)

3.4 .4 (c)

(Report ing Requirements)

6.1 .1f (c)

(Reserve)

4.9 (b)

(Responsible Off icer)

6.2 .2a (a)

(Revocat ion)

2.2 .6 (b)

(Risk) 1.1 (Risk Avoidance)

1.1 .3 (c) (iii)

(xvii)

(Risk Financing)

1.1 .3 (c) (iii)

(Risk Management (as used by insurers ) )

1.1 .3

(Risk Management [not as used by

insurers] )

1.1 .3

(Risk Transfer)

1.1 .3 (c)

(Salvage)

(a) ( Salvage )

(b) ( Salvage ) 3.4 .5

(Salvage)

3.4 .5

(Sect ion Limit)

3.4 .7 (d)( i i )

(Short - ta i l Business)

4.9 (b)

(Simple Contract)

2.1 .2 (a)

(S ingle Art ic le Limit)

3.4 .7 (d) ( i )

(xviii)

Solvency Margin

6.1 .1a (b)

Speculat ive Risk 1.1 .2a ( i i )

(Statutory Classif icat ion of Insurance)

5.1 .1

(Stop-Lis ts )

4.5 (e)

(Subject Matter of Insu rance)

5.1 .3

(Subrogat ion)

3.6

(Subrogat ion - How Aris ing)

3.6 .2

(Subrogat ion - Rights Limited)

3.6 .4 (b)( i )

(Sum Insured) 3.4 .7 (d)

(Suretyship)

2.1 .2 (b) , 5.1 .1 (b)

(Target Risks) 1 4.5 (d)

2

4.5 (d)

(xix)

(Technical Representat ive (Insurance

Agent 's ) )

6.2 .2a (a)

(Technica l Representat ive (Insurance Broker's ))

5.2.2

(Terminat ion of Agency)

2.2 .6

(Third Party)

2.2 .1

(Tontine)

5.1 .1 (a)

(Tort)

3.2 .6 (b) , 3.6 .2 (a)

(Train ing and Development)

4.11

(Transparency)

2000 6

6.1 .1f (d)

(Trustee) 3 .1 .4 (b)

(Underwri t ing)

4.5

(Unenforceable Contract)

2.1 .3

(xx)

(Unfair Discriminat ion in Insurance)

7.3 .3

(Uninsured Peri l )

3.3 .2 (c)

(Unit - l inked Business (Linked Business ) )

5.1 .1 (a)

(Utmost Good Fai th)

3.2

(Valued Pol icy )

3.4 .8 (c)

(Vicarious Liabi l i ty)

2.2 (c)

(Void Contracts ) 2.1 .3

(Voidable Contracts )

2.1 .3

(Waive (a breach))

3.2 .2 2, 3 .2 .6 (c)

(Warrant)

3.2 .2 1

(Warranty)

3.2 .2 1, 6 .1 .2c (b)( i i i )

()

[]

General insurance 5.1.1(b)

General business 5.1.1(b)

General business return 6.1.1f(c)

Ordinary good faith 3.2.1 Insurance of the person 5.1.3(a)

Weapons of Mass Destruction (Control

of Provision of Services) Ordinance

7.4.6(h)

Physical (risk) 1.1.1(b)

Life insurance 5.1.1(a)

Appeals Tribunal 6.2.2d(d)

Powers of intervention 6.1.1g Uninsured peril 3.3.2(c)

Agency by estoppel 2.2.3(d)

Unenforceable contract 2.1.3 Waive (a breach) 3.2.2 2, 3.2.6(c)

Corporate Governance 6.1.1d Public relations 4.2(b), 4.3(a)

Inwards reinsurance 5.1.4(b)

Outwards reinsurance 5.1.4(a)

Participating policy 4.7(a)(v)

Contribution

(how arising) 3.5

3.5.3

Counter-offer 2.1.3(b)

Rateable share 3.5.5(a)

Rateable proportion 3.5.2 New for old cover 3.4.8(b)

Principal; principal perpetrator 7.6.1

Subrogation

(how arising)

(rights limited)

3.6

3.6.2

3.6.4(b)(i)

Agent 2.2(a)

Duties owed by agent to principal 2.2.4 Agency 2.2.1 Consideration 2.1.3(c)

Functional classification 5.1.3 Voidable contract 2.1.3 Insurable risk 1.1.1

Insurable interest

(When needed) 3.1.1

3.1.5

Market co-operation 5.3(c)

Marketing and promotion 4.3

()

Equal Opportunity 7.3.1 Authority of necessity 2.2.3(c)

Claims outstanding 6.1.1c(a)(ii)

Mens rea 7.6.1

Anti-Money Laundering and

Counter-Terrorist Financing

(Financial Institutions) Ordinance

7.4.5a

Tort 3.2.6(b), 3.6.2(a)

Target risks 4.5(d)

All risks 1.1.1 2

Joint principals 7.6.1 Joint tortfeasors 3.6.4(b)(iii)(2)

Reinsurance 4.8 Peril 1.1.1Note 2, 3.3.2

Contract 2.1.1 Insurance of legal rights 3.1.4(d)

Legality (contract) 2.1.3(e)

Acceptance (law of contract) 2.1.3(b)

Offer (contract) 2.1.3(a)

Invalid (contract) 2.1.3 Annuity 5.1.1(a)

Annual financial statements and auditor's report

6.2.3e

Collectability 6.1.1e Assignment of the right to insurance

money 3.1.6

Defective contracts 2.1.3 Organized and Serious Crimes

Ordinance 7.4.5c

Prevention of Bribery Ordinance 7.5 Deductible 3.4.7(b)

Non-contribution clause 3.5.5(b)

Excess 3.4.7(b)

Reporting requirements 6.1.1f(c)

Endorsement 4.6(d)

Proposer 2.2 (a)

Application form / proposal form 2.1.3(a)

Complaints and disputes 6.1.2e Guidelines on Complaint Handling 6.1.3 Speculative risk 1.1.2a(ii)

More specifically insured 3.5.5(b)

Replacement 3.4.4(c)

Adequate reinsurance 6.1.1e Agreement 2.1.1

Guidance Note on Restricted Scope

Travel Business

6.2.2h(e)

()

Insured peril 3.3.2(a)

Offeree 2.1.3(b)

Trustee 3.1.4(b)

Bailee 3.5.3 Abandonment 3.4.6 Principal 2.2(a)

Duties owed by principal to agent 2.2.5 Fidelity guarantee 5.1.1(b)

Sex Discrimination Ordinance 7.3.1(a)

Underwriting capacity 4.8(b)

Code of Conduct for Insurers 6.1.2 Stop-list 4.5(e)

Claims (denial of) 6.1.2c(b)

"Directly or indirectly" 3.3.4(a)

Apparent authority 2.2.3(b)

Proximate cause 3.3 Long-tail business 4.9(b)

Long term business 5.1.1(a)

Non-material fact 3.2.3(b)

Non-fraudulent non-disclosure 3.2.5(d)

Non-fraudulent misrepresentation 3.2.5(b)

Policy 2.1.1 Assignment of policy (or insurance

contract) 3.1.6

Policy limits 3.4.7(d)

Policy condition 3.5.5 Section limit 3.4.7(d)(ii)

Premium 4.6(d)

Guidelines on Handling of Premiums 6.2.2h(b)

Insurer 1.1.1 Insurance intermediaries 2.2(a), 5.4

Regulation of insurance intermediaries 6.2

Insurance intermediaries' duties to

policyholders 7.1

Fair discrimination in insurance 7.3.2 Unfair discrimination in insurance 7.3.3 Group of companies 6.2.2c(d)(iii)

Insurance agent 2.2, 6.2.1

Guidelines on the Effective Date of

Registration of Insurance Agents,

Responsible Officers and Technical

Representatives

6.2.2h(c)

Technical representative (insurance agents) 6.2.2a(a)

()

Management of Insurance Agents 6.1.2d

Insurance Agents Registration Board

(IARB)

6.2.2a(a), 6.2.2b

Code of Practice for the Administration of Insurance Agents

6.2.2

Primary functions of insurance 1.2(a)

Statutory classification of insurance 5.1.1 Practical classification of insurance 5.1.2 Ancillary functions of insurance 1.2(b)

Academic classification of insurance 5.1.3

Insurance Claims Complaints Bureau

(ICCB) 6.1.4

Insurance Claims Complaints Panel (the

Panel) 6.1.4a

Fraud (Insurance) 7.6 Insurance Ordinance 6.1.1 Office of the Commissioner of Insurance 6.1 Insurance broker 2.2(a), 6.2.1

Minimum Requirements Specified for

Insurance Brokers 6.2.3

Technical representative (insurance brokers)

5.2.2

Subject matter of insurance 5.1.3 Insurance sales 4.4 Sum insured 3.4.7(d)

Warrant 3.2.2 1

Warranty 3.2.2 1, 6.1.2c(b) (iii)

Personal data protection 7.2 Deeds 2.1.2(b)

Customer servicing 4.2 Client account 6.2.3a(d)

Reinstatement 3.4.4(d)

Money laundering 7.4.1 Agreed value policy 3.4.8(c)

Offeror 2.1.3(a)

Intention to create legal relation 2.1.3(f)

Capacity to contract 2.1.3(d)

Valued policy 3.4.8(c)

Responsible officer 6.2.2a(a)

Material fact 3.2.3 Reinstatement insurance 3.4.8(a)

Double insurance 3.5.1 Risk 1.1 Classification of risk 1.1.2 Risk-based approach 7.4.6d

()

Risk financing 1.1.3(c)(iii)

Risk management 1.1.3 Risk avoidance 1.1.3(c)(iii)

Risk transfer 1.1.3(c), 1.2(a)

Motor Insurers' Bureau of Hong Kong (MIB)

5.5.3(b)

Hong Kong Federation of Insurers (HKFI) 5.5.1 Hong Kong Confederation of Insurance

Brokers

5.5.2(a)

Professional Insurance Brokers Association 5.5.2(b)

Personal Data (Privacy) Ordinance 7.2 Privacy Commissioner for Personal Data 7.2.1(a)

Family Status Discrimination Ordinance 7.3.1(c)

Terrorist financing 7.4.2 Underwriting 4.5 Guidelines, underwriting 4.5(c)

Tipping off 7.4.5b, c, d Marine Clause 3.5.5(c)

Average (marine)

(non-marine) 3.4.7(a)

3.4.7(a) Repair 3.4.4(b)

Particular risk 1.1.2b(i)

Claims 4.7 Pure general business 5.2.1(b)

Pure long term business 5.2.1(a)

Pure risk 1.1.2a(i)

Financial (risk) 1.1.1(a)

Financial Action Task Force 7.4.5 Financial statements 6.1.1f(c)

Insurance of property 5.1.3(b)

Franchise 3.4.7(c)

Ratification 2.2.2(b)

Excepted (excluded) peril 3.3.2(b)

Fundamental risk 1.1.2b(ii)

Training and development 4.11

Guidance Note on Compliance with the

Requirements of the Continuing

Professional Development (CPD)

Programme

6.2.2h(d)

Guidance Note on Compliance with the

Requirements of the Continuing

Professional Development (CPD)

Programme for Registered Persons

who are Registered as Engaging in

Restricted Scope Travel Business

(RSTB) Only

6.2.2h(f)

()

Professional reinsurer 5.1.4 Professional negligence 7.1.1(d)

Professional indemnity insurance 6.2.3d(c)

Captive insurer 6.1.1b(d)

Compulsory insurances 4.1 Emotional (risk) 1.1.1(c)

Salvage (marine) 3.4.5

Salvage (non-marine) 3.4.5 Cash payment 3.4.4(a)

Product research 4.1(c)

Product development 4.1 Third party 2.2.1 Termination of agency 2.2.6 Drug Trafficking (Recovery of Proceeds)

Ordinance 7.4.5b

Accessory, secondary participant; secondary party

7.6.1

Insurance of liability 5.1.3(c)

Registered Person 6.2.2a(a)

Transparency 6.1.1f(d)

Utmost good faith

(breach of)

(extension of common law duty)

3.2

3.2.5 & 3.2.6

3.2.2 1

Single article limit 3.4.7(d)(i)

Unit-linked business 5.1.1(a)

Fraudulent non-disclosure 3.2.5(c)

Fraudulent misrepresentation 3.2.5(a)

Disability Discrimination Ordinance 7.3.1(b)

Void contract 2.1.3 Short-tail business 4.9(b) Note

Loss prevention 1.1.3(c)(iii)

Loss reduction 1.1.3(c)(iii)

Damages 3.6.2(a)

Accounting and investment 4.10 Deemed 2.2.1 Insurance of pecuniary interests 5.1.3(d)

Capital redemption policies 5.1.1(a)

Statement of assets and Liabilities 6.1.1f(c)(ii)

Breach 2.1.3, 2.2.5(c)

Guidelines on Misconduct 6.2.2h(a)

Electronic Transactions Ordinance 6.1.1f(c) Note 1

Employees' compensation insurance 5.1.1(b)

Paid-up capital, authorised insurers 6.1.1a&b Revocation 2.2.6(b)

Actuarial support 4.9 Actuarial investigation report 6.1.1f(c)

()

Composite (insurer) 5.2.1(c)

Race Discrimination Ordinance 7.3.1(d)

Approved bodies of insurance brokers 5.5.2 Performance bond 5.1.1(b)

Advertising 4.3(c)

Quantum 4.7(c)(ii)

Model agency agreement 6.2.2f 2010 3 1

Guidance Note Applicable to Registered

Persons Wishing to Engage/continue

to engage in Investment-linked Long

Term (ILLT) Insurance Business on

or after 1 March 2010

6.2.2h(g)

Fit and proper Registered Persons 6.2.2e Fit and proper insurance brokers 6.2.3a Fit and proper directors and controllers 6.1.1d Suretyship 2.1.2(b), 5.1.1(b)

Equity 3.5.1 Administrator 3.1.4(b)

Executor 3.1.4(b)

Solvency margin 6.1.1a(b), 6.1.1c

Reserve 4.9(b)

Corollary (of indemnity) 3.6.1

Indemnity

(How provided) 3.4.1

3.4.4

Register of insurance agents 6.2.2d(a)

Guidelines, authorised insurers 6.1.1a

United Nations (Anti-Terrorism Measures)

Ordinance 7.4.5d

United Nations Sanctions Ordinance 7.4.6g Tontine 5.1.1(a)

Simple contract 2.1.2(a)

Vicarious liability 2.2(c)

Assignment 3.1.6

Paid-up capital, authorised insurance

brokers

6.2.3d(b)

Interpretation and General Clauses Ordinance

6.2.2b(c)

Renewal 4.5(b)

Client servicing 4.2 Obligee 2.1.2(b)

(1)

[]

Abandonment 3.4.6

Academic classification of insurance 5.1.3

Acceptance (law of contract) 2.1.3(b)

Accessory 7.6.1

Accounting and investment 4.10

Actuarial investigation report 6.1.1f(c)

Actuarial support 4.9

Adequate reinsurance 6.1.1e

Administrator 3.1.4(b)

Advertising 4.3(c)

Agency 2.2.1

Agency by estoppel 2.2.3(d)

Agent 2.2(a)

Agreed value policy 3.4.8(c)

Agreement 2.1.1

All risks 1.1.1 2

Ancillary functions of insurance 1.2(b)

Annual financial statements and

auditor's report

6.2.3e

Annuity 5.1.1(a)

Anti-Money Laundering and

Counter-Terrorist Financing (Financial

Institutions) Ordinance

7.4.5a

Apparent authority 2.2.3(b)

Appeals Tribunal 6.2.2d(d)

Application form / proposal form 2.1.3(a)

Approved bodies of insurance brokers 5.5.2

Assignment 3.1.6

Assignment of policy (or insurance

contract)

3.1.6

Assignment of the right to insurance

money

3.1.6

Authority of necessity 2.2.3(c)

Average (marine)

(non-marine)

3.4.7(a)

3.4.7(a)

Bailee 3.5.3

Breach 2.1.3, 2.2.5(c)

Capacity to contract 2.1.3(d)

Capital redemption policies 5.1.1(a)

Captive insurer 6.1.1b(d)

Cash payment 3.4.4(a)

Claims 4.7

(2)

Claims (denial of) 6.1.2c(b)

Claims outstanding 6.1.1c(a)(ii)

Classification of risk 1.1.2

Client account 6.2.3a(d)

Client servicing 4.2

Code of Conduct for Insurers 6.1.2

Code of Practice for the Administration

of Insurance Agents

6.2.2

Collectability 6.1.1e

Complaints and disputes 6.1.2e

Composite (insurer) 5.2.1(c)

Compulsory insurances 4.1

Consideration 2.1.3(c)

Contract 2.1.1

Contribution

(how arising)

3.5

3.5.3

Corollary (of indemnity) 3.6.1

Corporate Governance 6.1.1d

Counter-offer 2.1.3(b)

Customer servicing 4.2

Damages 3.6.2(a)

Deductible 3.4.7(b)

Deeds 2.1.2(b)

Deemed 2.2.1

Defective contracts 2.1.3

"Directly or indirectly" 3.3.4(a)

Disability Discrimination Ordinance 7.3.1(b)

Double insurance 3.5.1

Drug Trafficking (Recovery of

Proceeds) Ordinance

7.4.5b

Duties owed by agent to principal 2.2.4

Duties owed by principal to agent 2.2.5

Electronic Transactions Ordinance 6.1.1f(c) Note 1

Emotional (risk) 1.1.1(c)

Employees' compensation insurance 5.1.1(b)

Endorsement 4.6(d)

Equal Opportunity 7.3.1

Equity 3.5.1

Excepted (excluded) peril 3.3.2(b)

Excess 3.4.7(b)

Executor 3.1.4(b)

Fair discrimination in insurance 7.3.2

Family Status Discrimination Ordinance 7.3.1(c)

Fidelity guarantee 5.1.1(b)

Financial (risk) 1.1.1(a)

(3)

Financial Action Task Force 7.4.5

Financial statements 6.1.1f(c)

Fit and proper directors and controllers 6.1.1d

Fit and proper insurance brokers 6.2.3a

Fit and proper Registered Persons 6.2.2e

Franchise 3.4.7(c)

Fraud (Insurance) 7.6

Fraudulent misrepresentation 3.2.5(a)

Fraudulent non-disclosure 3.2.5(c)

Functional classification 5.1.3

Fundamental risk 1.1.2b(ii)

General business 5.1.1(b)

General business return 6.1.1f(c)

General insurance 5.1.1(b)

Group of companies 6.2.2c(d)(iii)

Guidance Note Applicable to Registered

Persons Wishing to Engage/continue

to engage in Investment-linked

Long Term (ILLT) Insurance

Business on or after 1 March 2010

2010 3 1

6.2.2h(g)

Guidance Note on Compliance with the

Requirements of the Continuing

Professional Development (CPD)

Programme

6.2.2h(d)

Guidance Note on Compliance with the

Requirements of the Continuing

Professional Development (CPD)

Programme for Registered Persons

who are Registered as Engaging in

Restricted Scope Travel Business

(RSTB) Only

6.2.2h(f)

Guidance Note on Restricted Scope

Travel Business

6.2.2h(e)

Guidelines on Complaint Handling 6.1.3

Guidelines on Handling of Premiums

6.2.2h(b)

Guidelines on Misconduct 6.2.2h(a)

Guidelines on the Effective Date of

Registration of Insurance Agents,

Responsible Officers and Technical

Representatives

6.2.2h(c)

Guidelines, authorised insurers 6.1.1a

Guidelines, underwriting 4.5(c)

Hong Kong Confederation of Insurance

Brokers

5.5.2(a)

(4)

Hong Kong Federation of Insurers

(HKFI)

5.5.1

Indemnity

(How provided)

3.4.1

3.4.4

Insurable interest

(When needed)

3.1.1

3.1.5

Insurable risk 1.1.1

Insurance agent 2.2, 6.2.1

Insurance Agents Registration Board

(IARB)

6.2.2a(a), 6.2.2b

Insurance broker 2.2(a), 6.2.1

Insurance Claims Complaints Bureau

(ICCB)

6.1.4

Insurance Claims Complaints Panel (the

Panel)

6.1.4a

Insurance intermediaries 2.2(a), 5.4

Insurance intermediaries' duties to

policyholders

7.1

Insurance of legal rights 3.1.4(d)

Insurance of liability 5.1.3(c)

Insurance of pecuniary interests 5.1.3(d)

Insurance of property 5.1.3(b)

Insurance of the person 5.1.3(a)

Insurance Ordinance 6.1.1

Insurance sales 4.4

Insured peril 3.3.2(a)

Insurer 1.1.1

Intention to create legal relation 2.1.3(f)

Interpretation and General Clauses

Ordinance

6.2.2b(c)

Invalid (contract) 2.1.3

Inwards reinsurance 5.1.4(b)

Joint principals 7.6.1

Joint tortfeasors 3.6.4(b)(iii)(2)

Legality (contract) 2.1.3(e)

Life insurance 5.1.1(a)

Long term business 5.1.1(a)

Long-tail business 4.9(b)

Loss prevention 1.1.3(c)(iii)

Loss reduction 1.1.3(c)(iii)

Management of Insurance Agents 6.1.2d

Marine Clause 3.5.5(c)

Market co-operation 5.3(c)

Marketing and promotion 4.3

Material fact 3.2.3

(5)

Mens rea 7.6.1

Minimum Requirements Specified for

Insurance Brokers

6.2.3

Model agency agreement 6.2.2f

Money laundering 7.4.1

More specifically insured 3.5.5(b)

Motor Insurers' Bureau of Hong Kong

(MIB)

5.5.3(b)

New for old cover 3.4.8(b)

Non-contribution clause 3.5.5(b)

Non-fraudulent misrepresentation 3.2.5(b)

Non-fraudulent non-disclosure 3.2.5(d)

Non-material fact 3.2.3(b)

Obligee 2.1.2(b)

Offer (contract) 2.1.3(a)

Offeree 2.1.3(b)

Offeror 2.1.3(a)

Office of the Commissioner of

Insurance

6.1

Ordinary good faith 3.2.1

Organized and Serious Crimes

Ordinance

7.4.5

Outwards reinsurance 5.1.4(a)

Paid-up capital, authorised insurance

brokers

6.2.3d(b)

Paid-up capital, authorised insurers 6.1.1a&b

Participating policy 4.7(a)(v)

Particular risk 1.1.2b(i)

Performance bond 5.1.1(b)

Peril 1.1.1Note 2, 3.3.2

Personal Data (Privacy) Ordinance 7.2

Personal data protection 7.2

Physical (risk) 1.1.1(b)

Policy 2.1.1

Policy condition 3.5.5

Policy limits 3.4.7(d)

Powers of intervention 6.1.1g

Practical classification of insurance 5.1.2

Premium 4.6(d)

Prevention of Bribery Ordinance 7.5

Primary functions of insurance 1.2(a)

Principal 2.2(a)

Principal; principal perpetrator 7.6.1

Privacy Commissioner for Personal

Data

7.2.1(a)

Product development 4.1

(6)

Product research 4.1(c)

Professional indemnity insurance 6.2.3d(c)

Professional Insurance Brokers

Association

5.5.2(b)

Professional negligence 7.1.1(d)

Professional reinsurer 5.1.4

Proposer 2.2 (a) Proximate cause 3.3 Public relations 4.2(b), 4.3(a) Pure risk 1.1.2a(i) Pure general business 5.2.1(b) Pure long term business 5.2.1(a) Quantum 4.7(c)(ii)

Race Discrimination Ordinance 7.3.1(d) Rateable proportion 3.5.2 Rateable share 3.5.5(a) Ratification 2.2.2(b)

Register of insurance agents 6.2.2d(a) Registered Person 6.2.2a(a) Regulation of insurance intermediaries 6.2 Reinstatement 3.4.4(d) Reinstatement insurance 3.4.8(a) Reinsurance 4.8 Renewal 4.5(b) Repair 3.4.4(b)

Replacement 3.4.4(c) Reporting requirements 6.1.1f(c) Reserve 4.9(b) Responsible officer 6.2.2a(a) Revocation 2.2.6(b) Risk 1.1 Risk avoidance 1.1.3(c)(iii) Risk management 1.1.3 Risk transfer 1.1.3(c), 1.2(a) Risk-based approach 7.4.6d

Risk financing 1.1.3(c)(iii)

Salvage (marine) 3.4.5

Salvage (non-marine) 3.4.5

Secondary participant 7.6.1

Secondary party 7.6.1

Section limit 3.4.7(d)(ii)

Sex Discrimination Ordinance 7.3.1(a)

Short-tail business 4.9(b) Note

Simple contract 2.1.2(a)

Single article limit 3.4.7(d)(i)

Solvency margin 6.1.1a(b), 6.1.1c

(7)

Speculative risk 1.1.2a(ii)

Statement of assets and Liabilities 6.1.1f(c)(ii)

Statutory classification of insurance 5.1.1

Stop-list 4.5(e)

Subject matter of insurance 5.1.3

Subrogation

(how arising)

(rights limited)

3.6

3.6.2

3.6.4(b)(i)

Sum insured 3.4.7(d)

Suretyship 2.1.2(b), 5.1.1(b)

Target risks 4.5(d)

Technical representative

(insurance agents)

6.2.2a(a)

Technical representative

(insurance brokers)

5.2.2

Termination of agency 2.2.6

Terrorist financing 7.4.2

Third party 2.2.1

Tipping off 7.4.5b, c, d

Tontine 5.1.1(a)

Tort 3.2.6(b), 3.6.2(a)

Training and development 4.11

Transparency 6.1.1f(d)

Trustee 3.1.4(b)

Underwriting 4.5

Underwriting capacity 4.8(b)

Unenforceable contract 2.1.3

Unfair discrimination in insurance 7.3.3

Uninsured peril 3.3.2(c)

United Nations (Anti-Terrorism

Measures) Ordinance

7.4.5b

United Nations Sanctions Ordinance 7.4.6g

Unit-linked business 5.1.1(a)

Utmost good faith

(breach of)

(extension of common law duty)

3.2

3.2.5 & 3.2.6

3.2.2 1

Valued policy 3.4.8(c)

Vicarious liability 2.2(c)

Void contract 2.1.3

Voidable contract 2.1.3

Waive (a breach) 3.2.2 2, 3.2.6(c)

Warrant 3.2.2 1

Warranty 3.2.2 1, 6.1.2c(b)(iii)

Weapons of Mass Destruction (Control

of Provision of Services) Ordinance

7.4.6h

1 2 3 4

1 (d) (a) (b) (d)

2 (a) (c) (d) (d)

3 (c) (a) (d) (a)

4 (a) (c) (d) (d)

5 (d) (c) (b) (c)

6 (a) (b) (d) (d)

7 (c) (d) (d) (c)

1

2

3

4

5

6

7

8

9

10

11