Official links
Regulator & official verification
IA licence check, complaints, VHIS certified list, Insurance Complaints Bureau and cooling-off text—open third-party sites yourself. We do not log in, apply or co-sell.
Finish the five-row licence card below, then open outbound links. On-site tools → /tools; disclosure index → /insurers-disclosure.
On-site toolsOfficial verificationSix-insurer disclosure indexCompliance hubOfficial sources
Licence check card (beside IA register)
After opening the IA register, tick each row; any fail = stop signing and paying.
- 01Status active (not suspended / revoked)
- 02Business class covers long-term life (or the class you are discussing)
- 03Appointing principal is agent / broker / firm and matches the card
- 04Licence number matches card / WeChat signature exactly
- 05Refuse to show licence or register → stop immediately
Regulator & government portals
Licence check, complaints, consumer education and VHIS certified plans—official pages win.
IA — Consumer corner
Third-party official linkBuying tips, complaints and education hub
Open official site →IA licensed intermediary register
Third-party official linkVerify licence and principal before meetings—use the five-row card below
Open official site →IA complaints (conduct)
Third-party official linkConduct issues: sales, cooling-off delivery, needs analysis
Open official site →IA Cooling-off Guideline GL29 (PDF)
Third-party official linkLife / VHIS commonly ~21 days from earlier of delivery or notice; ILAS / single-premium may be MVA—follow policy and notice.
Open official site →VHIS list of certified plans
Third-party official linkStandard / Flexi plans and premiums on Health Bureau site
Standard vs Flexi, premiums and tax deduction follow vhis.gov.hk and IRD; this site does not conclude which plan you should buy.
Open official site →VHIS consumer FAQs
Third-party official linkWhat certification means, tax relief, vs non-VHIS plans
Standard vs Flexi, premiums and tax deduction follow vhis.gov.hk and IRD; this site does not conclude which plan you should buy.
Open official site →Insurance Complaints Bureau
Third-party official linkClaims disputes vs member insurers—scope on their site
Personal monetary policy disputes only; cap HK$1.5 million; within 6 months of the insurer’s final decision. Sales conduct / cooling-off delivery / missing FNA → IA, not ICB.
Open official site →
Official-link questions
- When do I use IA vs the Insurance Complaints Bureau?
- Conduct (sales tactics, cooling-off delivery, missing FNA) → IA. Personal monetary disputes on a policy, up to HK$1.5M, within 6 months of the insurer’s final decision → ICB may apply. Always verify on the official sites.
- Does this site tell me which VHIS plan to buy?
- No. Standard vs Flexi, premiums and tax deduction follow vhis.gov.hk and the Inland Revenue Department. We do not conclude which plan you should buy.