65Insurance
保險
This division encompasses activities related to the provision of insurance services, including life insurance, health insurance, property and casualty insurance, and reinsurance. It involves underwriting risks and managing insurance policies to provide financial protection against various types of loss.
Groups in this division
Licences and approvals
What this activity needs to operate
Activities under this code trigger the following licensing regimes. Emerhub prepares and files each application on your behalf.
Authorization to Carry on Insurance Business (Authorized Insurer)
Insurance Authority (IA)
Required under the Insurance Ordinance (Cap. 41) for any company carrying on insurance business in or from Hong Kong, whether long term (life) business, general business or both. The IA assesses capital adequacy, fitness of controllers and directors and the business plan under a risk-based capital regime, with statutory minimum capital floors.
- Capital requirement
- Capital base not less than the higher of the prescribed capital amount, the minimum capital amount and HKD 20M (HKD 2M for marine insurers and captive insurers); IA assesses start-up capital case by case
- Processing time
- Approximately 2 to 2.5 months from submission to approval-in-principle (IA published estimate)
Official sourceVerified 2026-07-14
MPF Intermediary Registration (Principal Intermediary / Subsidiary Intermediary)
Mandatory Provident Fund Schemes Authority (MPFA)
Registration under the Mandatory Provident Fund Schemes Ordinance (Cap. 485) for any business or individual selling, marketing or advising on MPF schemes. Principal intermediaries must already be regulated by an industry regulator (HKMA, SFC or IA) and designate a responsible officer; subsidiary intermediaries are individuals attached to a principal intermediary who must pass an MPFA qualifying examination.
Official sourceVerified 2026-07-14
Standard compliance
Compliance every Hong Kong company shares
Beyond anything specific to this activity, every Hong Kong company handles two-tiered profits tax, the annual return (Form NAR1) within 42 days of its incorporation anniversary, audited accounts, MPF enrolment for staff, and a company secretary. Emerhub runs all of it on your behalf.
See the full Hong Kong compliance calendarIncorporate in Hong Kong
Starting a insurance business in Hong Kong?
Emerhub incorporates your company, registers the business nature above with the IRD, files every licence application, and runs your company secretary and compliance calendar. You provide the documents; Emerhub handles every government interaction.
Start incorporation with Emerhub