Two digital platforms specialising in accident claims, workinjury.hk and caraccident.hk, have formalised a partnership to strengthen access to legal information for individuals involved in workplace and traffic accidents.
The initiative is designed to streamline the process of understanding compensation rights and procedures, targeting workers, drivers, and other accident victims across Hong Kong.
The joint effort will see both platforms integrate their resources, providing users with a single point of access for information related to compensation claims.
Among the planned features are online calculators for estimating compensation, automated reminders about statutory deadlines, and comprehensive FAQ sections reviewed by legal professionals.
These tools are intended to help users navigate the claims process without the influence of third-party sales or referral services.
A representative from workinjury.hk highlighted the importance of timely access to accurate information.
“Our goal is to centralise all claim-related information in one credible source. Many victims miss their compensation deadlines simply because they didn’t know the time limits,” the spokesperson said.
The platforms will also continue to publish case studies and legal updates, with input from legal and labour experts to maintain the accuracy and relevance of the content.
The collaboration comes as the Insurance Authority (IA) of Hong Kong reports notable growth in insurance premiums during the first quarter of 2025.
According to provisional figures released by the IA, total gross premiums reached HK$220.3 billion, reflecting increased activity in both long-term and general insurance sectors.
New office premiums for long-term insurance, excluding retirement scheme business, totalled HK$93.4 billion, marking a 43.1% rise compared to the same period last year.
The majority of this came from non-linked individual business, which contributed HK$90.1 billion, with participating policies accounting for HK$81.7 billion. Linked individual business premiums also saw an increase, reaching HK$3.2 billion.
Qualifying deferred annuity policies (QDAPs) continued to attract policyholders, with approximately 35,000 new policies issued, generating HK$2.2 billion in premiums – representing 2.4% of all individual business premiums for the quarter.
Revenue premiums from in-force long-term policies increased to HK$189.1 billion, up 31.1% year-on-year.
General insurance business generated HK$31.2 billion in gross premiums, with net premiums at HK$20.6 billion for the quarter. Gross claims paid amounted to HK$12.2 billion.
The sector reported an overall operating profit of HK$2.7 billion, including HK$0.9 billion in underwriting profit.
Direct general insurance business accounted for HK$17.1 billion in gross premiums and HK$11.3 billion in net premiums, with gross claims totalling HK$6.7 billion.
The leading lines of business included accident and health (HK$8 billion), general liability (HK$3.3 billion), and marine, aviation, and transport (HK$2.2 billion).
Underwriting profit for direct business reached HK$1.1 billion, primarily from general liability, pecuniary loss, and accident and health segments.
