FAQ

When buying an insurance policy, consider the following factors to make informed decisions that suit your needs:

Coverage needs: Assess your insurance requirements and ensure the policy provides adequate coverage for the risks you want to protect against.

Policy terms and conditions: Thoroughly review the policy terms and conditions, including coverage limits, exclusions, and any additional benefits or features offered.

Affordable premium: Ensure that the premium payments fit within your budget.

Exclusions and limitations: Be aware that not all scenarios or circumstances will be covered by the insurance. Evaluate if these align with your risk tolerance.

Deductible/ excess: This is the preset amount in the policy that you must pay when filing an insurance claim before your insurer covers the remaining amount. Confirm whether the excess amount is within an acceptable range for you.

Renewability: Consider the duration of coverage and whether it can be extended or renewed after the expiry date.

The eligibility requirements or criteria for a policy can vary depending on the type of insurance. Here are some examples:

Home insurance:

• Residential status/ record: Insurers may require you to be the homeowner or have a certain residency status.
• Property characteristics: Your property's age, condition, location, etc., can affect eligibility and coverage options.

Motor insurance:

• Vehicle ownership: The insured must have ownership or a legal interest in the vehicle.
• Vehicle type: The make, model, age, and usage of your vehicle.
• Insurance history: A history of your claims record or at-fault accidents.

Employees' Compensation Insurance (including Domestic Helper Insurance)

• Employment relationship: The policyholder and the insured employee/ domestic helper must constitute an employment relationship (please refer to the Labour Department Guidelines).
• Insurance history: A history of your claims record or at-fault accidents.
• Nature of work: Occupational type, risks, working environment, industry specificity, and other factors will affect the difficulty of obtaining insurance and the scope of coverage. Regional Insurance may require clients to provide additional and sufficient information and proof or perform on-site inspections for underwriting.

You may fill out a Quote Form in Get A Quote (the required documents may vary depending on the type of insurance) or apply for specific Products online in a few easy steps. For other inquiries, please provide the relevant information in Get A Quote, and we will contact you as soon as possible.

If you apply online, the premium to be paid will be shown during the application process, and you may proceed to payment if the quote is acceptable.

You may also fill out a Quote Form in Get A Quote, and the insurance quotation will be sent to you via email or WhatsApp within 3 working days. Please send us the signed and stamped (if applicable) quotation by replying to the email or WhatsApp if you accept the quote. We will arrange the insurance accordingly with your supporting documents, and prompt follow-up actions will be taken to ensure a smooth application process for reliable insurance protection.

The documents required for various general insurance products may vary. For detailed information, please refer to the documentation list in Get A Quote. The acceptance of insurance applications is subject to the underwriting of different insurers. At Regional Insurance, we are committed to professionalism, considerate service, and fair treatment. We support and guide our clients in providing sufficient information and proof to the insurer, ensuring a customised policy that fits their needs, including insurance coverage, terms and conditions, sum insured, etc.

If you are applying online*, you can review the policy wording and summary before submitting your application on the website. If you prefer to apply by email or phone, we will send you a quotation via email or WhatsApp, including the price, policy terms, and conditions.

*If there are technical issues or errors during the online application process, please try again or call us at (852) 5168 7747 for assistance. For any queries about the insurance application process, please do not hesitate to contact us.

Regional Insurance is committed to protecting clients’ data. We comply with the guidelines and data protection requirements of the Personal Data (Privacy) Ordinance (Chapter 486) concerning the collection, holding, processing, use and/ or transfer of personal data to arrange insurance on your behalf.

The personal data collected in Get A Quote is for quotation purposes only and is initially sufficient but not excessive. Providing such information on our website is voluntary, and we will proactively follow up and obtain additional information from you if required.

The personal data you provide with an online application via the individual insurer’s website will be handled and maintained by that insurer. Please refer to its privacy policy for details.

If you have received our insurance placing acknowledgement via email or WhatsApp, your insurance application is successful. In this case, the coverage provided by the insurer is effective even if you have not received the policy. If you do not receive the acknowledgement before the effective date and need to confirm whether your insurance has been successfully placed, please contact our Business Representatives or Customer Support Team. If you are unable to display a valid insurance policy during an inspection by the Labour Department, please contact our Business Representatives or Customer Support Team and provide a copy of the notice issued by the Labour Inspection Division for emergency arrangements.

No, there are no waiting periods or restrictions on coverage start dates for general insurance policies, except for specific insurance products*. You can choose the policy effective date (no backdating is allowed) during the application process.

*[For Allied World/ Zurich Insurance – Domestic Helper Insurance] A 15-day waiting period applies to Surgical & Hospitalisation Expenses, Out-patient Benefits and Dental Expenses, i.e., the first 15 consecutive days from the effective date of the insurance for each domestic helper will not be covered. This condition does not apply to renewals.

*[For Asia Insurance – Domestic Helper Insurance] A 14-day waiting period applies to Surgical & Hospitalisation Expenses, Out-patient Benefits and Dental Expenses, i.e., the first 14 consecutive days from the effective date of the insurance for each domestic helper will not be covered. This condition does not apply to renewals.

You can pay the premium by mailed check, bank transfer or deposit, and credit card payment (only applicable to specific personal insurance policies of selected insurers). For details, please check our Payment Method.

Regional Insurance is committed to environmental protection by maintaining a paperless office and offering professional, considerate and effective e-services. If you prefer not to receive emails, please contact our Business Representatives or Customer Support Team for alternative arrangements.

Within one month before the policy’s expiration date, you will receive an email notification with a Renewal Notice, Payment Method leaflet, and relevant renewal documents to facilitate the renewal process. We will also send you a friendly reminder via WhatsApp, email, or phone. If you do not receive any Renewal Notice and related documents within the mentioned period, please contact our Business Representatives or Customer Support Team.

If you fail to make the premium payment within the grace period, your coverage may lapse. To continue enjoying protection, please send us the signed and stamped (if applicable) Renewal Notice and arrange the renewal payment according to the instructions in Payment Method before the expiry date.

If your policy has lapsed and you would like to reinstate it, please contact our Business Representatives or Customer Support Team. Reinstatement or reapplication of insurance will be subject to the insurer’s approval and terms on a case-by-case basis.

If you miss a premium payment, there is usually a grace period of 31 days from the premium due date. During this grace period, the policy will remain in force. If the premium remains unpaid after the grace period, the policy will lapse from the original expiry date.

If you have received our renewal acknowledgement via email or WhatsApp, your policy has been successfully renewed. In this case, the coverage provided by the insurer is effective even if you have not received the policy. If you do not receive the acknowledgement before the effective date and need to confirm whether your insurance has been successfully renewed, please contact our Business Representatives or Customer Support Team. If you are unable to display a valid insurance policy during an inspection by the Labour Department, please contact our Business Representatives or Customer Support Team and provide a copy of the notice issued by the Labour Inspection Division for emergency arrangements.

Regional Insurance is committed to environmental protection by maintaining a paperless office and offering professional, considerate and effective e-services. If you prefer not to receive emails, please contact our Business Representatives or Customer Support Team for alternative arrangements.

Shop Package/ Office Package Insurance

Please complete the Policy Amendment Application Form and send it to our Business Representatives or Customer Support Team.

Personal insurance plans provided by Allied World Insurance

Please complete the Policy Amendment Application Form and send it to our Business Representatives or Customer Support Team.

Other Insurance Plans

Please communicate the necessary updates to our Business Representatives or Customer Support Team through email or WhatsApp.

To adapt to different life changes, please review the adequacy of your Sum Insured to maintain sufficient protection. If you need to adjust the Sum Insured or have any questions about your insurance coverage, please contact our Business Representatives or Customer Support Team.

After the successful cancellation of a policy, the processing time for a premium refund typically depends on the following factors:

1. Policy type: Processing times vary because different policies have distinct refund regulations. These include the calculation of the minimum premium and the final premium adjustment before the surrender of Employees’ Compensation Insurance, etc.
2. Refund method: In accordance with the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Chapter 615), Regional Insurance will process refunds to the original payer’s account using the same payment method, unless a reasonable written explanation and proof are provided. If a different account number or name is requested for the refund, we will verify the identity of the recipient and may require additional documentation for reporting and record-keeping purposes.
3. Insurer business process: The refund process may vary between insurers, leading to different processing times.

Upon confirmation of policy cancellation, the insurer will issue an endorsement and arrange a refund of the unearned premium within approximately 2-4 weeks. We will notify you of the relevant refund arrangements as soon as possible.

The required information and documentation for filing a claim can vary based on specific insurance plans and insurers. For detailed information, please visit our Claims Services. The acceptance or rejection of a claim is in the insurer’s sole and absolute discretion subject to its claims review standards. At Regional Insurance, we are committed to professionalism, considerate service, and fair treatment. We support and guide our clients in providing sufficient information and proof to the insurer, ensuring reasonable compensation in the client’s best interests.

Please follow the instructions in Claims Services to select the required insurance product and insurer, and submit the necessary documentation.

After filing a claim via email or WhatsApp, we will forward your claim form and the required supporting documents to the insurer for processing. The insurer may request additional documents.

We will inform you of the result as soon as the insurer completes the claim review. The processing time depends on the claims process of individual insurers.