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Navigating the Rising Tide of Group Medical Insurance Claims in Hong Kong

Mastering Group Medical Insurance Claims in Hong Kong’s Costly Healthcare Landscape

Hong Kong’s private healthcare system, among the world’s most expensive, poses significant challenges for corporate group medical insurance. With medical inflation projected at 9.8% in 2025 and premiums soaring 55% over three years (2021–2024), employers face escalating costs and evolving employee needs.

Medical Insurance

4 min read

Global Strategies to Optimize Group Medical Insurance in Hong Kong

The surge in group medical insurance premiums reflects increased healthcare utilization and costly treatments. In 2023, Accident & Health (A&H) premiums grew by 12.2%, yet claims ratios reached 64.1%, per Insurance Authority data, squeezing underwriting profits.

Medical Insurance

6 min read

Why Insurers Are Moving Back to Hong Kong from Bermuda: Reasons and Implications

In this article, we explores the reasons why Hong Kong-based insurers initially registered in Bermuda, the factors driving their return to Hong Kong, and the broader implications for the insurance industry and the Greater Bay Area (GBA). Our analysis provides a comprehensive understanding of this trend and its significance for stakeholders.

Other Study & Analysis

5 min read

Tackling Medical Inflation: Opportunities in GBA Cross-Border Healthcare

The Greater Bay Area (GBA) offers a compelling opportunity through healthcare integration, leveraging lower-cost, high-quality mainland medical services. At EverBright Actuarial Consulting Limited, we explore the challenges of medical inflation in Hong Kong, the rise of GBA healthcare integration, and strategies to optimize employee benefits, enriched with data and real-world examples.

Medical Insurance

4 min read

Cross Border Medical Insurance: Unlocking Affordable Healthcare in the GBA

With 20–30% of the 540,000 Hong Kong residents living in Guangdong seeking care in the Greater Bay Area (GBA), cross-border medical insurance is a cost-effective solution. At EverBright Actuarial Consulting Limited, we explore how GBA healthcare integration, innovative insurance products, and digitalization are transforming access to affordable, high-quality care, enriched with data, real-world examples, and global insights.

Medical Insurance

4 min read

The Rise of Medical-Grade Wearable Devices: Transforming Healthcare in Hong Kong and Beyond

As health awareness grows and technology advances, medical-grade wearable devices are shifting from clinical settings to everyday households, enabling a transition from reactive healthcare to proactive health management.

Medical Insurance

5 min read

Overcoming Cross-Border Medical Insurance Challenges in the Greater Bay Area

As 20–30% of the 540,000 Hong Kong residents in Guangdong seek affordable care in the Greater Bay Area (GBA), cross-border medical insurance is critical but fraught with challenges like payment system interoperability, currency fluctuations, and data sharing barriers. At EverBright Actuarial Consulting Limited, we analyze these hurdles, explore innovative solutions, and draw on global insights to help employers and insurers navigate this dynamic landscape.

Medical Insurance

4 min read

Hong Kong Virtual Insurance Development: A Data-Driven Analysis (2020-2025)

The journey began with Blue, transitioning to a virtual insurer in 2018 via acquisition, followed by the issuance of virtual licenses to Bowtie (2018), Avo (2019), OneDegree (2020), and ZA Insurance. Virtual insurers have shown improving profitability. OneDegree reported a 40% financial performance improvement in 2023, with gross written premiums exceeding HK$180 million (59% YoY growth).

Other Study & Analysis

4 min read

White Paper on New Energy Vehicle Battery Insurance Innovation

PICC Reinsurance Co., Ltd. (PICC Re), a subsidiary of the People’s Insurance Company (Group) of China (PICC), has released the industry’s first White Paper on New Energy Vehicle (NEV) Power Battery Insurance Innovation.

Commercial Insurance

6 min read

Unveiling the Future: Introducing the 2025 Hong Kong Digital Insurance Market Report

The insurance landscape in Hong Kong is undergoing a transformative shift, driven by the rise of digital innovation and evolving consumer demands. Today, we are thrilled to introduce the Hong Kong Digital Insurance Market Report (2020-2025), a comprehensive analysis that dives deep into the dynamic world of virtual and hybrid insurers.

Other Study & Analysis

3 min read

AIA Hong Kong has launched the GlobalFlexi Savings Insurance Plan

AIA Hong Kong Unveils GlobalFlexi Savings Insurance Plan with 6.5% Return Potential and Unique Features

AIA Hong Kong has launched the GlobalFlexi Savings Insurance Plan, a versatile savings and insurance product designed for customers seeking long-term wealth accumulation, financial flexibility, and robust risk management. With a projected total internal rate of return (IRR) of up to 6.5% by the end of the 30th policy year, the plan introduces innovative features, including a market-first Health Impairment Option, to address evolving financial and personal needs.

4 min read

China’s NFRA Introduces Stricter Insurance Product Regulations to Enhance Consumer Protection

The National Financial Regulatory Administration (NFRA) of China has released the Measures for the Appropriateness Management of Financial Institutions’ Products, effective from February 1, 2026, to strengthen consumer protection and regulate the financial services sector.

6 min read

2025 Global Claims Study Highlights Record $1.75B in M&A Insurance Payouts

Aon plc (NYSE: AON), a leading global professional services firm, has released its 2025 Transaction Solutions Global Claims Study, revealing that insurers paid out over $1.75 billion in mergers and acquisitions (M&A) insurance claims globally, underscoring the critical role of Representations and Warranties (R&W) and Warranty & Indemnity (W&I) insurance in managing deal risks.

4 min read

Insurers and Healthcare Providers Forge Strategic Partnerships to Expand Cross-Border Care in Greater Bay Area

The Greater Bay Area (GBA) is witnessing a transformative trend as insurance companies like Bupa Hong Kong, Blue Cross (Asia Pacific) Insurance, and FWD Hong Kong partner with leading healthcare providers to deliver seamless cross-border medical services.

Medical Insurance

5 min read

Solvency Performance of Hong Kong Insurers Under HKRBC and HKFRS17: A 2025 Report

Hong Kong’s insurance sector is undergoing a transformative shift with the implementation of the Hong Kong Risk-Based Capital (HKRBC) regime, effective July 1, 2024, and the Hong Kong Financial Reporting Standard 17 (HKFRS17), effective January 1, 2023. These frameworks introduce risk-sensitive capital requirements and economic-based accounting, respectively, reshaping insurers’ capital positions, investment strategies, and product portfolios.

Other Study & Analysis

6 min read

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Liability Insurance