The Insurance Authority (IA) is the regulator of the Hong Kong insurance industry. A portion of the new IA’s funding will come from a premium Levy to be applied to all insurance policies (apart from certain exempted classes of business) with policy periods beginning on or after 1 January 2018. The levy will be collected by insurance compaines like Min Xin. Policy holders must pay the levy in accordance with the law.

Starting from the policy year commencing on or after April 1, 2021, the IA Levy will be collected by Min Xin at the applicable rate and cap.

By law, levy is payable together with each premium payment. The Insurance Authority may impose a penalty of up to HK$5,000 on policy owners who do not pay the levy as required on time. If you have any query or different instructions, you may contact Min Xin Insurance Company Ltd. Hong Kong Customer Services Hotlines (852) 2826 3673.

For further information about Levy, please visit:
https://www.ia.org.hk/en/aboutus/role/financial_arrangements.html

The levy rate and the maximum levy payable per policy year is set out below:

可以, 由於【跨境車安全氣囊保險 】是強化版「等效先認」保障，無需捆綁香港車險, 可單獨投保及加購【粵港跨境車輛內地交強險等效保險/商業保險】, 保期為一年。

內地合作保險服務機構 ─ 中國太平洋財產保險股份有限公司全國統一24小時服務熱線：+86-95500（中國大陸地區） / +86-20-95500（非中國大陸地區）。

車輛出險後，48小時內撥打全國統一24小時服務熱線 +86-95500（中國大陸地區） / +86-20-95500（非中國大陸地區）報案電話，以及致電110報交警處理。案件需由內地合作保險服務機構的 理賠人員現場查勘，或經理賠人員指引後進行交警處理或事故雙方自行協商處理。

在車輛維修前，需撥打全國統一24小時服務熱線 +86-95500（中國大陸地區） / +86-20-95500（非中國大陸地區）報案電話，通知內地合作保險服務機構的定損人員進行損失核定。

1. Proposal Form
2. Hong Kong identity cards and driving licenses of the owner and all named drivers
3. Copy of the Vehicle Registration Document
4. Last policy or renewal notice (if applicable), if no claims discount or proof of continuous accident-free years for the vehicle
5. If the car owner is a company, please provide the company registration certificate, etc.

In the event of an accident or any occurrence which is likely to give rise to a claim, you are advised:

1. Take photos of the accident scene and damaged properties and retain any damaged property or equipment which might triggered an accident for inspection.
2. Record information of the incident including date, time, cause, details of occurrence and contact details of witness and third party, etc.
3. Report the incident to police and relevant authorities especially theft, burglary and bodily injury.
4. Check the coverage, terms and conditions of the Policy.
5. Obtain repair quotation or estimate for replacement.
6. Not to carry out any repair to the damaged property without our prior consent unless the temporary repair are emergency needed to prevent further damage. The information and relevant fee note of the temporary repair must be retained.
7. Not to give personal comment on the cause of incident without investigation.
8. Not to admit liability, make offer or accept settlement with third party without our prior consent.
9. Complete the Claim Form in details and submit with relevant supporting documents soonest for our consideration to arrange investigation if necessary. Claim Form can be download from our website.
10. Forward any communication, writ and summons to us immediately unanswered.

Important

1. Please follow the above guidelines as they will assist us in processing your claim.
2. Please always state your Policy Number and/or claim number in all communications.

Depends on the circumstance of the incident, we may ask for further information and document when necessary.

Should you have any query or need further advice on your claim, you can call our Claims Services Hotline at (852) 2826 3660. Our claim handler will reply you instantly.

General Calim Form

保險事故發生後，保險公司在國務院衛生主管部門組織制定的《交通事故人員創傷臨床診療指南》和國家基本醫療保險標準範圍內承擔賠償責任。因此，對於超過國家社會醫療保險規定範圍以外的用藥和治療，保險公司不承擔賠償責任, 也就是說，第三者責任險不賠償醫保以外的用藥。

【醫保外醫療費用責任險】對超出《道路交通事故受傷人員臨床診療指南》和國家基本醫療保險同類醫療費用標準的部分負責賠償。

車輛如在廣東省內發生保險事故時，被保險人需保護現場並迅速撥打+86-95500（中國大陸地區）/ +86-20-95500（非中國大陸地區）：

1. 閩信保險的內地合作保險服務機構報案、申報，提供：車牌號碼、事故時間、地點、事故簡要經過等資料。接線員在了解事故情況後會即時對出險人作出處理指引；
2. 110 報警電話；
3. 如出現人傷，視傷者情況撥打120求助。

When there is any employee sustained work injury or occupational disease arising out of and in the course of employment, you should report the incident to Labour Department by submitting an appropriate Form within the time limit as stated below.

A copy of the completed Form duly signed with company chop together with the following supporting documents should send to us immediately.

1. Original sick leave certificate(s) (issued by registered medical practitioner, registered Chinese medicine practitioner)
2. Discharge slip for hospitalization
3. Original medical receipt(s)
4. Copy of internal accident / investigation report, if any
5. Photographs taken at scene and the injury condition

In case of death or serious injury occurred, please inform us by call immediately.

Employer should pay the injured employee periodical payment at the rate of 4 / 5 of the difference between the employees’ *monthly earnings at time of the accident and his/her monthly earnings during the period of temporary incapacity.
* monthly earnings means the earnings immediately before the accident or the average of past 12 months earnings immediately before accident whichever is higher.

And also pay the relevant daily medical expenses to the injured employee provided that the treatment is given by a registered medical practitioner and a registered Chinese medical practitioner. The maximum limit of expenses per day as below:

Forward any communications, writ and summons from labour department, injured employees' representative and government authorities to us immediately unanswered.

In accordance with the circumstance of the incident, we may ask for further information and document when necessary.

f you have any query about the Employees’ Compensation Ordinance, please contact the Labour Department at Enquiry Service Hotline (852) 2717 1771 or www.labour.gov.hk。

Form 2
Form 2A
Form 2B

無索償折扣，當保單持有人持有車輛就過去一個保單年度並沒有因意外事故提出索償或提交汽車遇事報告書，而給予下年度續保保費的折扣。
保險期 無索償折扣
（適用於續保保險費）
一年 20%
連續兩年 30%
連續三年 40%
連續四年 50%
連續五年或以上 60%

如持有無索償折扣40％或以下的保險期內作出索償或被索償，續保時您的無索償折扣將被取消並由0%重新計算。
如持有無索償折扣50％或60％的保險期內作出索償或被索償，續保時無索償折扣將分別減至20％或30%；但如於同一承保期內作出超過一項索償或被索償，續保時您的無索償折扣將被取消並由0%重新計算，並需重新累積無索償折扣。
無索償折扣是跟隨保單持有人轉移，但不會跟車轉移。即使同一車主，一份無索償折扣只會應用於一輛車上。因此，如車主擁有多部車輛，則會有多於一個無索償折扣。

投保人只須填妥及提交以下文件：

1. 投保單/投保書：有投保人簽署確認的投保單/投保書；
2. 車輛資料：車輛登記証；
3. 車主資料：身份證明文件、相關駕駛執照、回鄉證。

如被保車輛投保了《跨境車安全氣囊保險》及在內地發生交通意外事故，撥打內地合作保險服務機構電話報案後，接線員會及時根據事故情況作出指引，並調度事故地查勘定損人員，查勘定損員將會聯絡被保險人指示後續的處理流程。

When there is an accident occurred, complete claim form with full particulars, sign with company chop (if appropriate) and submit to us together with the following supporting documents immediately.

1. Copy of driver’s Identity card and driving licence,
2. Copy of Vehicle Registration Document (with back page) and vehicle licence
3. Color photographs showing the extent of damaged vehicle(s) involved and accident scene
4. Screening breath test report
5. Copy of Police statement
6. Video recorder or memory card at the material time (if any)
7. Original of Letter of Consent duly signed by the driver
8. Complete “Application for a Certificate Relating to Previous Convictions” and apply the driving history record from Hong Kong Police Force Traffic Branch Headquarters (for named driver only)

Own Damage Claim

Repair quotation should be obtained from a repairer. We will appoint a motor surveyor to inspect and assess the damaged vehicle soon.
Do not give instruction to repairer to commence repair work without our consent.
If the repairer advise the repair costs of damaged vehicle might be higher than market value, no quotation would be issued. Please notify us soon for our arrangement of inspection.
You are required to sign on a “Satisfaction Certificate” at the time to collect your vehicle from repairer when the repair work is completed satisfactorily.

Third Party Claim

If any third party bodily injury involved in the accident, you must report the accident to Police immediately. Please complete the “Third Party Bodily Injury Questionnaires”.
Do not give personal comment on the cause of incident without investigation.
Do not admit liability, make offer or accept settlement with third party without our prior consent.
Forward any communication, writ and summons to us immediately unanswered.

Windscreen Damage Claim

You are advised to contact our designated repairer(s) to obtain quotation. Please refer to “Windscreen Repairers List” for detailed contact information.
Do not give instruction to start repair work without our consent.

In accordance with the circumstance of the incident, we may ask for further information and document when necessary.

跨境車安全氣囊保險”費率浮動系數(NCD)：

備註：
保險期不足一年的短期保單，NCD不下浮。

“跨境車安全氣囊保險”無賠款優待系數及等級計算規則：
保險公司將根據被保險人和被保險車輛實際風險情況的判斷，對相應保險費作出調整。

內地和香港的車險理賠慣常處理流程是有分別的。內地的處理流程：

1. 出險後，當事人在確保安全前提下需保護現場環境以免發生二次碰撞，並即時撥打內地保險服務機構電話報案及撥打110報警進行意外現場的定責調查。
2. 車輛查勘、定損。
   (1) 報案人按保險服務機構電話接線員的指引配合完成事故處理。在確保安全的情況下，可用手機拍攝現場環境，以備證據。待查勘員、交警、或救護車等到達現場後，配合完成事故責任認定、現場查勘等工作。
   (2) 現場查勘完成後，查勘員將根據現場損失情況與當事人協商物損定損程序及是否現場調解。輕微人傷案件，可適用人傷快賠案件處理流程，現場簽署調解協議書，免除提供醫療機構單證。對於損失較大的事故車輛、物損、人傷，無法現場核定損失的，查勘員做好後續定損指引與承接。
3. 單證收集與賠款支付。
   (1) 車輛修復完畢後，內地保險服務機構將根據定損核定的維修金額，待被保險人支付維修款後，內地保險服務機構將賠款支付至被保險人賬戶；對於符合直賠的案件，被保險人可無需墊付維修費用，授權內地保險服務機構委託由修理廠代收賠款，內地保險服務機構或保險人直接將賠款支付至修理廠賬戶。
   (2) 對於人傷損失案件，根據內地《道路交通事故受傷人員臨床診療指南》對傷者損失確定後，被保險人可根據核定的損失金額支付賠償款給傷者，再由內地保險服務機構或保險人將對應賠款支付至被保險人賬戶；也可進行三方協商，授權內地保險服務機構或保險人將應承擔的賠償款直接支付至第三者賬戶。

被保險人向保險公司通知及提交要求文件後，保險公司根據提供材料進行審核，審核過程中如還需補充材料的，保險公司會及時通知被保險人進行補充，後續被保險人跟進賠款到賬情況。

Complete claim form with full particulars from the date of accident and submit to us together with the following supporting documents immediately.

1. Police report with statement, if any
2. Copy of identity card of insured person
3. Original medical receipt(s) with diagnosis and sick leave certificate(s) and discharge slip for hospitalization
4. Original doctor’s referral letter for x-ray / lab testing / physiotherapy, etc.
5. Any claim for temporary total disablement, the employer of insured person should complete the form of “Employer’s Confirmation of Sick Leave”
6. Any claim for permanent total disablement, an assessment medical report from an attending registered medical practitioner must be submitted
7. “Certificate of Medical Attendant” must be filled by an attending registered medical practitioner
8. Copy of document for any payment made by other insurance company paid part of the relevant medical expenses, if any

Supporting documents for Death case

1. Original Policy
2. Police report and statement, if any
3. Copy of deceased’s identity card or passport
4. Copy of identity card of beneficiary or the Administrator
5. If no designated beneficiary, Letter of Administration is required
6. Documentary evidence to prove the relationship with the deceased
7. Original Death certificate (will be returned after verified the information)
8. Medical report / Post-mortem examination report / Coroner’s report for an inquest, if any

In accordance with the circumstance of the incident, we may ask for further information and document when necessary.

因應各保險公司及其內地合作的保險服務機構的工作程序而定，文件齊全後一般在3至5個工作天內完成申請 “跨境車安全氣囊”保險的程序及發出保單。

內地車險快速理賠又稱快處快賠。機動車與機動車發生僅造成車輛損失的道路交通事故，各方均投保機動車交通事故責任強制保險，且當事人能夠自行移動車輛的，適用快處快賠。
一般情況下，被保險人在撥打內地保險服務機構報案及撥打110報警後，警方會給予相關指導。可以用手機在網上辦理，或者交警現場開具快賠協議書，或者指引到道路交通事故快處快賠服務中心辦理。

Complete claim form with full particulars from the date of accident and submit to us together with the following supporting documents soonest. In case of serious event, please inform us by call immediately for our arrangement of investigation.

1. Police report with statement / Property Management incident report
2. Photographs showing the scene of accident especially the point of entry into and exit from the premises for burglary and the extent of damage items
3. A detailed list of loss / damaged items
4. Original purchase invoice / receipt / warranty cards of lost property
5. Repair / replacement quotation
6. Any correspondence in relation to the accident from any authorities

Important Notes

Do not proceed repair of damaged item without our consent.
Do not discard the damaged items and retain it for inspection if needed.
Provide us a copy of insurance policy issued by other insurance company covering the same property.

In accordance with the circumstance of the incident, we may ask for further information and document when necessary.

可以港幣或人民幣支付保險費，但必須於確認簽署投保單/投保書後即時繳付保險費。