Sources and Disclaimer
This page explains the sources of this website's content, how it is compiled, and the limitations that must be observed when using this site's information. Please read this page before citing or relying on this site's content to make any decision.
1. Nature of the Website
Hong Kong Insure · Insurance Information Site (hereinafter "this site") is established and maintained by Hong Kong Insure, and is a general insurance information and education platform.
This site:
- Provides general insurance information only, including concept explanations, process introductions, explanations of common questions and compilation of publicly available industry data.
- Does not sell any insurance product, nor provide quotations, discounts or offer information for insurance products.
- Does not constitute any offer, solicitation or recommendation, including no recommendation of any insurer or any insurance product.
- Does not provide cover, nor arrange cover, nor sign any policy or related documents on behalf of clients.
- Does not constitute professional advice, including no legal, tax, accounting, investment or medical advice.
1(b). Sponsorship and Development Disclosure
To enable readers to assess this site's background, the following relationships are disclosed honestly:
- Sponsoring organisation: This website is sponsored by Henderson Insurance Consultants Limited (Henderson Insurance Consultants Limited).
- Development and operation: This website is developed by AIX Society using AI Agents (AI Agents); content is generated through an established process and published after human review.
- Insurance service enquiries: For further enquiries about insurance services, you may contact the sponsoring organisation via WhatsApp 6366 3320.
The sponsoring organisation is a licensed insurance intermediary. Its insurance business operates separately from this site's information function: this site does not, because of the sponsorship, recommend any insurer or insurance product, and the sponsorship relationship does not affect the editorial principles and usage limitations listed on this page. Insurance service enquiries made via WhatsApp 6366 3320 are handled by the sponsoring organisation in accordance with relevant regulations and client agreements; this site does not participate in their content, fees or outcomes.
2. Content Sources
This site's content is compiled on the following basis:
- Insurance policy wording and documents: Including general explanations of the coverage structure, definitions, exclusions and claims conditions of commonly seen policies in the market.
- Regulatory and government public materials: Including public guidelines, statistics and explanatory documents issued by the Insurance Authority, the Office of the Privacy Commissioner for Personal Data, relevant government departments and statutory bodies.
- Insurer public materials: Including insurers' official websites, product brochures and publicly disclosed product information.
- Industry practice and practical experience: Practical observations accumulated by the Hong Kong Insure team while handling client enquiries and claims cases.
- Public news and industry reports: Public reports on market dynamics, cyber risk trends, industry trends, etc.
3. Usage Limitations and Important Reminders
1. General explanation, cannot replace policy wording
Insurance policy wording can differ markedly between insurers and between plans; even coverage items with the same name may have completely different definitions, compensation caps, waiting periods and exclusions. This site's content is general explanation and cannot replace the original wording of any individual policy.
2. Individual cases must be determined by the insurer's decision
Whether an event is covered, how much will be paid, and whether additional underwriting is required are always determined by the insurer's underwriting and claims decision for that specific case. This site will not, and cannot, make any commitment regarding individual cases.
3. Differences between individual plans
Expressions such as "general practice", "common arrangement" or "most plans in the market" in articles refer to general industry conditions, and not to any specific insurer's specific product. The actual wording should be based on the relevant policy document.
4. Figures and market data are time-sensitive
Amounts, ratios, periods and statistical figures in articles all reflect the public data at the time of writing or last update. Market conditions, premium levels, coverage costs and regulatory requirements may all change over time. Please note the last updated date indicated at the foot of each article.
5. Does not constitute decision-making advice
Readers should not rely solely on this site's content to make decisions about taking out, cancelling, switching or otherwise handling a policy. Before any decision, the relevant policy wording should be read carefully, and a licensed insurance intermediary or insurer should be consulted.
4. Intellectual Property
The articles, layout design and icons of this site are produced by or licensed to Hong Kong Insure. We welcome citation of this site's content with attribution and a link; full reproduction, adaptation for profit, or misleading use is not permitted.
5. Personal Data
As an information platform, this site has no online cover or policy management function, and therefore does not collect policy-related personal data. If you communicate with us via the Contact Us page, the information provided will be used solely to reply to your enquiry. Please refer to the Contact page for details.
6. Limitation of Liability
To the maximum extent permitted by law, Hong Kong Insure and its personnel shall not be liable for any direct or indirect loss incurred by any person as a result of decisions or actions taken on the basis of, or in reliance on, this site's content.
7. Comments and Corrections
If you find any error, outdated information or potentially misleading content on this site, please let us know via the Contact Us page. We will verify and correct it, and update the date on the relevant page.