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Group medical insurance, also known as employee health benefits, provides comprehensive healthcare coverage to a collective of individuals, typically employees and their dependents, under a single policy. In Hong Kong, this form of coverage is increasingly vital for businesses aiming to attract and retain talent amid rising medical costs and a competitive job market. With medical inflation projected at 9.8% for 2025, employers are under pressure to secure high-quality plans t

Workers' compensation in Hong Kong, governed by the Employees' Compensation Ordinance (ECO), Cap. 282, is a mandatory no-fault system that requires employers to insure against work-related injuries and occupational diseases. It provides comprehensive benefits including medical expenses, wage loss compensation, permanent incapacity payments, and death benefits, with recent updates increasing compensation levels by approximately 3.8% effective April 17, 2025.

The Hong Kong pet insurance market is experiencing robust growth, driven by increasing pet ownership, rising veterinary costs, and greater awareness of pet health needs. In 2024, the market was valued at approximately USD 8.5 million, with a projected CAGR of 11.5% from 2026 to 2033, potentially reaching higher valuations amid broader Asia-Pacific trends. Penetration remains low at 8-10%, compared to 30-40% in mature markets like the UK or Sweden. Key players include OneDegr

Professional liability insurance, commonly referred to as professional indemnity insurance (PII) in Hong Kong, is a type of coverage designed to protect professionals and businesses from financial losses arising from claims of negligence, errors, omissions, or breaches of duty in the provision of professional services. It typically covers legal defense costs, settlements, and damages awarded to third parties. In Hong Kong, PII is essential for service-based industries due to

Directors and Officers (D&O) insurance is a form of liability insurance that protects directors and officers of companies from personal financial losses arising from wrongful acts committed in their managerial capacity. This includes coverage for legal defense costs, settlements, and judgments related to claims such as regulatory investigations, shareholder lawsuits, and breaches of fiduciary duty. In Hong Kong, D&O insurance has become increasingly relevant for listed compan

Office insurance, also known as business office insurance or commercial property insurance, is a specialized type of commercial coverage designed to protect office-based businesses from various risks associated with their premises, assets, and operations. It typically safeguards against property damage, theft, liability claims, and business interruptions that could arise from events like fire, natural disasters, or accidents. This insurance is essential for businesses operati