Insurance

"Integrity Protector" Pamphlet for Insurance Practitioners

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"Integrity Protector" Pamphlet for Insurance Practitioners

Bribery

Conflict of Interest

Ethical Decision Making

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"Integrity Protector" Pamphlet for Insurance Practitioners

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[EN] "Integrity Protector" Pamphlet for Insurance Practitioners https://hkbedc.icac.hk/insurance/files/leaflet_en.pdf Please use the image at the left [ZH-HANT] 「誠信保」保險從業員單張 https://hkbedc.icac.hk/insurance/files/leaflet_tc.pdf Please use the image at the left [ZH-HANS] 「诚信保」保险从业员单张 https://hkbedc.icac.hk/insurance/files/leaflet_tc.pdf Please use the image at the left

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Corruption Myths in the Business Community

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Corruption Myths in the Business Community

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[EN] Corruption Myths in the Business Community https://hkbedc.icac.hk/Upload/guides/101/pdf/7433ac18545c446095f232144ddd8a37.pdf Image link: https://hkbedc.icac.hk/cache/img/268701c3cb5c840048c06e46e75e8fa6.jpg [ZH-HANT] 商界的貪污迷思 https://hkbedc.icac.hk/Upload/guides/101/pdf/a81b092c04d24880af961d9971f115f9.pdf Image link: https://hkbedc.icac.hk/cache/img/a489f1aa4b9f73aa8504823f51607984.jpg [ZH-HANS] 商界的贪污迷思 https://hkbedc.icac.hk/Upload/guides/101/pdf/a81b092c04d24880af961d9971f115f9.pdf Image link: https://hkbedc.icac.hk/cache/img/a489f1aa4b9f73aa8504823f51607984.jpg

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Training Package on Corruption Prevention in Procurement

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Training Package on Corruption Prevention in Procurement

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[EN] Training Package on Corruption Prevention in Procurement https://cpas.icac.hk/UPloadImages/InfoFile/cate_43/2016/ca552674-5084-4240-91c8-d7135353156b.pdf Please use the image at the left [ZH-HANT] 採購人員防貪培訓教材 https://cpas.icac.hk/UPloadImages/InfoFile/cate_43/2016/4a7be47a-32b0-4546-95a0-1ff1562a2fc0.pdf Please use the image at the left [ZH-HANS] 采购人员防贪培训教材 https://cpas.icac.hk/UPloadImages/InfoFile/cate_43/2016/4a7be47a-32b0-4546-95a0-1ff1562a2fc0.pdf Please use the image at the left

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Online Continuing Professional Development (CPD) module for insurance intermediaries (Cantonese only)

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[EN] Online Continuing Professional Development (CPD) module for insurance intermediaries (Cantonese only) https://event.hkfi.org.hk/en_US/event/integrity-for-success-online-cpd-module-2025-2026-2026-04-16-896/register Please use the image at the left [ZH-HANT] 保險中介人網上持續專業培訓單元 https://event.hkfi.org.hk/en_US/event/integrity-for-success-online-cpd-module-2025-2026-2026-04-16-896/register Please use the image at the left [ZH-HANS] 保险中介人网上持续专业培训单元 https://event.hkfi.org.hk/en_US/event/integrity-for-success-online-cpd-module-2025-2026-2026-04-16-896/register Please use the image at the left

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Online Learning Course for New Practitioners of Insurance Industry

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[EN] Online Learning Course for New Practitioners of Insurance Industry https://hkbedc.icac.hk/insurance/elearning/en/ Please use the image at the left [ZH-HANT] 新入職保險業中介人網上自學課程 https://hkbedc.icac.hk/insurance/elearning/tc/ Please use the image at the left [ZH-HANS] 新入职保险业中介人网上自学课程 https://hkbedc.icac.hk/insurance/elearning/tc/ Please use the image at the left

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Sample Code of Conduct - Private Sector

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Sample Code of Conduct - Private Sector (Mar 2019).pdf

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Corruption Risks

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Insurance brokers offer illegal commission to bank managers to obtain business, leading bank managers to potentially recommend products to prospective policyholders that are not in their best interests.
Senior insurance agents divert insurance policies to downline agents to deceive overriding commission.
Colluding insurance brokers divert clients’ policies to other broker firms to defraud higher commission.

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Insurance agents conspire with policy holders to submit false documents for medical claims.
Insurance intermediaries solicit or accept bribes for processing fraudulent claims.

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Corrupt staff of distribution channel departments responsible for determining the remuneration packages for insurance intermediaries solicit or accept advantages in return for offering better remuneration to the latter (e.g. better support such as higher amount of marketing allowance and/or sponsorships for insurance broker companies / insurance agencies).

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Corrupt training staff solicit or accept advantages from individual insurance agents to falsify training records for the latter.
Compromised district directors who have much discretion in recommending promotion/demotion/termination of their “down-line” individual insurance agents solicit or accept advantages in return for favouring/harbouring the latter during the process.
Corrupt staff of the distribution channel department condoning substandard performance of insurance intermediaries in return for advantages from the latter.

Resources

Case Studies

Practical Guides

Feature Articles and Newsletters

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Sample Documents

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Study Notes of Insurance Intermediaries Qualifying Examination (IIQE)

The section of “Prevention of Corruption” is included in the two syllabuses for the examination papers of IIQE “Principles and Practice of Insurance” and “Travel Insurance Agent”.

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Codes of Conduct for Licensed Intermediaries

8 General Principles

The Codes of Conduct for Licensed Insurance Brokers and Licensed Insurance Agents set out the following 8 general principles of conduct to ensure licensed intermediaries act in the best interests of clients and treat their clients fairly.

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Code of Conduct for Licensed Insurance Agent

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Code of Conduct for Licensed Insurance Brokers

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Dos and Don'ts for Policy Holders

They are the useful information you need to know when buying insurance.

Integrity Training

The Private Sector Integrity Centre (PSIC) offers free anti-corruption and integrity training to promote professional ethics and entrench the probity culture in the insurance industry.

For Insurance companies

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Insurance Intermediaries (Frontline)

Remain vigilant against common corruption loopholes in insurance industry

Enhance their knowledge of professional ethics and anti-corruption laws

Comply with the industry’s code, act in the best interests of clients and properly handle conflicts of interest

Insurance Intermediaries (Managers)

Recognise their managerial role in preventing corruption, malpractice, and to manage staff integrity and foster an ethical team culture

Introduce the dual responsibility concept to implement integrity management by exercising good staff management and strengthening internal controls

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Online CPD Module for insurance intermediaries

In collaboration with the Hong Kong Federation of Insurers (HKFI), the PSIC developed an online Continuing Professional Development (CPD) module on anti-corruption laws and professional ethics for insurance intermediaries.

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Online Learning Course for New Practitioners

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PSIC organises webinars on the “PSIC Channel” for insurance practitioners. Click here to view details of the upcoming webinars and enroll now!

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PSIC provides free, tailor-made training for managers and staff of insurance companies.

Please contact us if you wish to arrange integrity and corruption prevention training.

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Members of professional bodies may obtain continuing professional development (CPD) hours by attending seminars offered by the PSIC.

The following professional bodies have arranged continuing professional development (CPD) / continuous professional training (CPT) seminars jointly with the PSIC:

General Agents and Managers Association of Hong Kong

https://www.gama.com.hk/

Hong Kong Chamber of Insurance Intermediaries

http://www.hkcii.org/

Hong Kong General Insurance Affairs Association Ltd

http://www.hkgiaa.org.hk/

Hong Kong Insurance Intermediaries Association

http://www.hkiia.org/

Institute of Financial Planners of Hong Kong

http://www.ifphk.org/

Institute of Professional Education And Knowledge

https://www.peak.edu.hk/en/

Professional Insurance Brokers Association

http://www.piba.org.hk/?lang=en

The Hong Kong Confederation of Insurance Brokers

http://www.hkcib.org/hkcib/index.jsp

The Hong Kong Federation of Insurers

https://www.hkfi.org.hk/#!/

The Hong Kong Society of Certified Insurance Practitioners Ltd

http://www.hkcip.org.hk/

The Life Underwriters Association of Hong Kong

http://www.luahk.org/index.html?lang=en

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＊in alphabetical order of the names of the professional bodies

Click here to see our upcoming CPD seminars for insurance professionals.

introduction

Insurance is about peace of mind, building on trust and professionalism. Insurance practitioners not only need to acquire updated knowledge of insurance products and exercise sound judgment when servicing their clients, they must also maintain good character and personal integrity to gain trust and goodwill from the clients.

The Private Sector Integrity Centre (PSIC) offers free anti-corruption and integrity training to help insurance practitioners stay vigilant against corruption risks and uphold the highest standards of integrity. We also provide free corruption prevention advisory services and practical resources to support industry organisations in strengthening safeguards and fostering an ethical culture.

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1. In which country or region are you currently located?

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2. What type of organisation do you represent?

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3. What is the size of your organisation?

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Insurance

Corruption Risks

Diverting / obtaining businesses by corrupt means and commission fraud

Filing fraudulent insurance claims involving colluded insurance intermediaries

Approving favourable remuneration packages

Misconducts in training and performance monitoring

Resources

Reference Materials

Codes of Conduct for Licensed Intermediaries

Integrity Training

For Insurance companies

Training Objectives

Online Training for Practitioners

Tailor-made Training for Insurance Companies

Joint Training with Professional Bodies and Trade Associations