Agents' Newsletter

QBE Launches Special Support Measures

Last week, a severe fire broke out at Wang Fuk Court in Tai Po. QBE is deeply concerned about the affected residents and businesses. We understand this is a challenging time for them, so QBE will implement special support measures to demonstrate our commitment and care for the community through concrete actions.

For home insurance policyholders, the following arrangements apply:

• Immediate compensation without review: HKD 100,000 per policy
• Expedited Advance Payment Arrangement for Temporary Accommodation: Each policyholder is entitled to HKD 10,000 (Basic/Premium Plan) or HKD 15,000 (Prestige Plan), which will be disbursed within 24 hours after the incident occurs.
• No document review for claims: Customers need to provide loss item ( including buildings, home contents, valuables) and loss amount, and we will arrange payment as soon as possible. Each category has its own maximum amount limit. If customers have questions about the loss amount, please feel free to contact QBE for assistance.
• Accelerated claims processing: Claims payment will be paid instantly via FPS or bank transfer.
• List of affected customers: Based on our records, we have sent separate emails to the agents of affected customers, and our relationship managers will contact you to arrange follow-up matters.

Other potentially affected policy types include:

Personal Insurance: Travel Insurance, Residential Fire Insurance, Domestic Helper Insurance, Personal Accident Insurance
Commercial Insurance: Commercial Package Insurance, Commercial Fire Insurance, Construction/Interior Renovation Insurance

If your customers fall under the above categories and may be affected, please feel free to contact us. We will provide professional advice and assistance, or you can submit claims online directly at: https://www.qbe.com/hk/zh-hk/eclaims

QBE has always upheld the philosophy of “Protecting Customers, Supporting Communities.” Together with you, we strive to ensure every affected customer feels our care and commitment.

Click here to download Home Fire FAQ ( Chinese version only).
Click here to review the Home insurance and Residential Fire Insurance user guide.

Manulife Exclusive Travel Promotion

Christmas and Lunar New Year are just around the corner, and the winter travel peak season has officially begun!

Introducing the brand-new, market-exclusive “GoFlex Travel Insurance”, offering you more choices. Whether it’s a 1-year, 180-day, or 90-day plan, it can flexibly cater to different travel needs, giving your clients peace of mind while traveling! Perfectly designed for frequent travelers during the peak season, with flexible durations to make every trip more convenient and thoughtful!

To help you capture the market, we’ve prepared exclusive travel rewards for Manulife agents, making your promotions more attractive and helping you easily expand your client base!

Act now and join us in creating a new travel trend!

Promotion details:
From 24 November 24 to December 31 2025, successfully issue any of the following new policies during the promotion period (based on transaction date) to receive corresponding supermarket e-vouchers:

Double Bonus! Qnect Early Bird Travel Insurance Renewal

Thank you for your enthusiastic support for the ‘GoFlex Travel Insurance New Policy Promotion’! We’re adding even more rewards! Introducing the ‘Qnect Early Bird Travel Insurance Renewal’ to help you actively encourage customers to renew their annual travel insurance through Qnect and enjoy generous rewards! Campaign Period: 4 December - 31 December 2025 (based on transaction date) Eligible Products*: All renewal policies for Annual Travel Insurance issued via Qnect and insurance name will be updated to GoFlex Travel Insurance ( 1 Year ) upon renewal. *All premiums for renewal policies must be paid by 31 December 2025 to qualify for rewards. Reward Details : Customers who successfully renew eligible policies through Qnect during the campaign period will receive supermarket e voucher for each policy, based on the premium paid:

*The premium is the gross premium and does not include the premium levy.

GoFlex Travel Insurance Product Highlights:

📅 Flexible Coverage Periods: 90 days, 180 days, or 1 year*
👮 Abduction Incident Support
🍽️ Food Poisoning Allowance
❤️ Severe Turbulence Trauma Support

* Maximum duration per insured trip:

• 90-day plan: up to 45 days
• 180-day and 1-year plans: up to 90 days

GoFlex vs Single-Trip Travel Insurance

• GoFlex : Unlimited trips within the policy period (Maximum duration per insured trip: 90-day plan: 45 days, 180-day & 1-year plans: 90 days)
• Single-Trip Travel Insurance: Covers only one trip, up to 182 days

🤔 Which should I choose?

• Multiple short trips within a few months? 👉 Choose GoFlex — saves time and money
• One long trip? 👉 Single-Trip Travel Insurance is more suitable

❓ What’s the difference in coverage?
GoFlex Travel Insurance generally offers more benefits, such as: abduction incident support , food poisoning allowance and severe turbulence trauma support.

Please click here to review Notice of Amendments to Policy Conditions.
Please click here to review single travel brochure and policy wording.
Please click here to review GoFlex travel brochure and policy wording.
Please click here to review FAQ of GoFlex travel insurance.

*Subject to policy terms, conditions, and exclusions.

Travel with Peace of Mind, Health without Limits!

QBE Hong Kong has been launched an exclusive, limited-time extended coverage for Manulife agents. From now until April 17, 2026, when purchasing a single trip travel insurance (Gold Plan) (new business) via Qnect, clients will receive the “Extended Coverage for Pre-existing Conditions” endorsement! This protects clients from unexpected health issues during their trip, especially those with existing medical conditions.

Key Coverage Highlights:
If, during a Journey outside Hong Kong, the Insured Person suffers an acute onset of a Pre-existing Medical Condition, the Company will extend the following benefits:

• Section 3.2 Benefit 1 – Medical Expenses
• Section 3.2 Benefit 3 – 24-Hours Worldwide Emergency Assistance Service
  To reimburse the necessary and reasonable expenses incurred by the Insured Person, up to a maximum of 30 days from the date of the acute onset.

This extension shall apply only if all of the following conditions are met:

(a) The Insured Person is compliant with all medical advice provided by their treating Registered Medical Practitioner in respect of their Pre-existing Medical Condition(s), including but not limited to attending scheduled appointments, undergoing recommended tests, taking prescribed medication, and not deferring or refusing any treatment or surgery.

(b) The Insured Person does not have any undiagnosed symptoms or conditions for which medical consultation, investigation, diagnosis, treatment or surgery is pending.

(c) In the twelve (12) months immediately preceding the commencement of the Journey, the Insured Person has not:

i. attended an accident and emergency department more than once;
ii. been hospitalised for more than three (3) consecutive days; or
iii. been hospitalised on more than one (1) occasion.

Note: This extension does not cover trip cancellation, curtailment, hospital or quarantine cash allowance.

Travel confidently, even with a medical history! Learn more now.

Take advantage of this limited-time offer and actively promote it to your clients. Agents can share the promotional link directly with clients for easier promotion and order conversion. (Old links are no longer valid)

Chinese website:https://manulife-campaign.com.hk/tc/gi
English website:https://manulife-campaign.com.hk/en/gi

Please click here to review endorsement of extension of cover for pre-existing medical conditions.
Please click here to review single travel brochure and policy wording.
Please click here to review FAQ of Extended Coverage for Pre-existing Conditions ( Updated).

Qnect Renewal Campaign for Motor Insurance

We’re excited to announce the launch of Qnect Renewal Campaign for Motor Insurance designed to support you in encouraging your clients to renew their Motor Insurance policies through Qnect and earn fantastic rewards.

Campaign Period: 4 December -31 December 2025

Eligible Products* : All renewal policies for Motorcycle, Private and Commercial Vehicles - Comprehensive and Third-Party Cover that are issued via Qnect.
*All premium of the renewal policies must be paid by 31 December 2025 to qualify for the rewards.

Reward Details: Customers who successfully renew eligible policies through Qnect during the campaign period will receive a supermarket e voucher for each policy, with the amount based on the premium paid, as detailed in the table below.

*The premium is the gross premium and does not include the premium levy.

Promotion Extended! Enjoy 10% off QBE Employees’ Compensation Insurance to help you capture new business!"

Good news! QBE Hong Kong’s 10% discount program for Employees’ Compensation Insurance ( EC) has been very well received in the market. To thank our agents for their support, we have decided to extend the offer until March 31, 2026! Agents, make the most of this extended period to drive more cross-selling and capture the market!

Promotion:

• Issue Employees’ Compensation Insurance ( EC) ( New Business) , you will enjoy 10% discount promotion.
• Promotion Period: Now to 31 March 2026

Key Highlights:
📈 New Business Policy Issuance Rate: Increased by over 7%

Why choose QBE's employee compensation insurance?

1. Competitive Premiums: Our 10% discount program not only makes premiums more competitive but also helps clients save costs.
2. Comprehensive Coverage: QBE provides thorough employee compensation coverage, ensuring your employees are well protected at work.
3. Customer Trust: Our growth data shows that customer trust in us is continually increasing, which is a testament to our ongoing efforts.

10% discount campaign on ECI premiums is still in progress. Agents issue new ECI policies and submit renewal notices for existing company will enjoy a 10% discount on the ECI premium based on the renewal notice's premium of existing company . This promotion is applicable to various industries and aims to assist agents in winning more new business opportunities, and achieve great results together.

Insuring Process:

1. Issue quote in Qnect:
   • Issue Quote via Qnect, and upload the “renewal notice” from other insurers in Qnect and remark “EC Price Match” in the Qnect referral to underwriters.
2. Issue quote in non Qnect:
   • Remark “EC Price Match” in the Qnect referral to underwriters.
   • Attach the “renewal notice” and send to [email protected].
   • For gross premium over HK$30,000, please copy your RM in the email.

QBE Product Training is back! The course includes the latest product – Beauty & Spa Package Insurance – enabling agents to gain in-depth understanding of its features and advantages, thereby enhancing their competitiveness in the market.

Training Schedule for December: The sessions will cover not only professional product knowledge, but also underwriting and claims department sharing, helping you strengthen interactions with clients. Agents are invited to log in to CPDTS via ManuTouch to register and attend the sessions. Each training session will earn 2 non-core CPD points.

Protect Your SME, Starting Today! In today’s highly competitive market, small and medium enterprises need more than just hard work—they need comprehensive protection. We’ve launched three exclusive insurance solutions to safeguard your business: ✅ SME F&B Restaurant Package ClaimCare interim claims payment On-site risk management Frozen food protection Business interruption protection ✅ SME Retail Package Stock protection and Shoplifting Extend Exhibition Protection to Greater Bay Area (Property All Risk) ✅ Beauty & Spa Package Free treatment liability coverage Portable equipment covered while outside your premises Cloakroom liability (Guests' effects) We understand the risks and challenges of every industry. That’s why we are committed to developing more insurance products tailored to SMEs, so you can focus on growing your business without worries. Contact us today and let’s protect more SMEs together! *Please click here to download SME F&B Restaurant Package *Please click here to download SME Retail Package *Please click here to download Beauty & Spa Package

QClub Points Redemption Notice Please note that all QClub points earned on or before November 30, 2025 will expire on December 31, 2025. Be sure to check your points balance and complete your reward redemption via the QClub App before the expiry date. Important Reminder: If redemption is not completed by December 31, 2025, the points and corresponding rewards will become invalid and cannot be reissued. Qclub Points earned in December 2025 will expire on January 31, 2026. Log in to the QClub App now to make the most of your hard-earned points and redeem your favorite rewards!

SME Commercial Insurance Training and Q3 Rolex Watch Lucky Draw Results Announced

Thank you to all agents who participated in our recent SME Commercial Insurance Training! The event was packed with valuable content — we shared the latest market insights for the F&B, retail, and beauty care industries, and analyzed real-life cases to explore industry-specific risks and how comprehensive insurance solutions can provide full protection for your clients.

In addition to the training, we also held the Q3 “ Personal Insurance (New Business) Rolex Lucky Draw”! Congratulations to Ice from Manulife for becoming the lucky winner of this quarter’s draw! We appreciate Ice’s professionalism and hard work, which helped her stand out and win a Rolex watch!

The Q4 “Personal Insurance (New Business) Rolex Lucky Draw” is now in its final countdown — only one month left! Keep pushing for new policies and aim to become the ultimate Rolex winner of the year! Every new policy is a key step toward success. Hard work pays off — the next lucky Rolex winner could be you!

---

2025 Incentive Trip

Thank you to the winning agents for joining our QBE 2025 Incentive Trip! Once again, congratulations on achieving outstanding results in the first half of 2025! Your participation made this journey even more memorable and further strengthened the partnership between QBE and Manulife, laying a solid foundation for closer collaboration in the future.

“GI Ranking ” – Ongoing Updates! Let’s celebrate the outstanding performance of agents in the General Insurance (GI) sector! Whether you're focused on commercial insurance, travel protection, home products, or other GI business lines, as long as you keep delivering strong results, you have a chance to rank among the Top 10 GI Agents / Districts and become the center of attention!

Important Reminder: The annual financial cut-off date is December 22, 2025. Make the most of this final sprint and strive to secure your spot in the Top 10, creating your own moment of glory!