Agents' Newsletter

Important Notice - Annual Travel Product Update

Last month, QBE Hong Kong officially announced that the current “Annual Travel Insurance” will be renamed and upgraded to “GoFlex Travel Insurance” starting from November 16, 2025.
This upgrade offers your clients more flexible and comprehensive protection to suit different travel needs—so they can travel freely and explore the world with peace of mind!

Key Updates in GoFlex Travel Insurance:

1. Product Renaming
   • The Annual Travel Policy has renamed to GoFlex Travel Insurance Policy.
2. New Benefits Introduced
   • Flexible Policy Durations
     Customers can now choose from 90-day, 180-day, or 1-year coverage options.
   • Abduction Incident Support
     Provide the support: services and reimburse the associated costs when the insured person is abducted during the journey.
   • Food Poisoning Allowance
     Cash allowance in case of food poisoning.
   • Severe Turbulence Trauma Support
     Provide the support: services and reimburse the associated costs when the insured person is injured due to severe turbulence.
3. Benefit Update
   • Medical Expenses Limit
     Reimbursement for follow-up treatment of injuries is now capped at 10%.

Renewal Arrangements:

Starting now, for policies expiring on or after November 16, renewal notices will reflect the new product name and upgraded features. Here's how this affects your clients:

• Clients who have opted into auto-renewal will have their policy automatically updated to GoFlex Travel (1-year Plan). No action is required on your part, as we will notify your client about the product update via email. The No Claim Discount will remain unchanged.
• If your client wishes to renew their existing policy, you may assist them in doing so under the GoFlex Travel (1-year Plan). The No Claim Discount will remain unchanged.
• If your client prefers a shorter policy duration (i.e. 90-day or 180-day), you may assist them in purchasing a new policy. Please note this will not be considered a renewal, and the No Claim Discount will not apply.

Whether it’s a short weekend getaway or a long immersive journey, GoFlex Travel Insurance offers the right protection to help your clients travel with confidence and freedom.

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 GoFelx travel insurance.

*Subject to policy terms, conditions, and exclusions.

As the beauty, spa, nail, and hair salon industries continue to thrive, customers are placing increasing importance on service quality and safety assurance. The risks faced by the industry go beyond property loss—they also include treatment-related accidents, liability for customers’ belongings, and potential legal claims.

QBE is proud to launch the new Qnect “Beauty & Spa Package Insurance” , specially designed for the beauty industry. It offers comprehensive protection to help clients operate with peace of mind and grow their business. Simply log in to Qnect for a quick quote and get ahead in securing your policy.

🎁 Limited-Time Promotion!

From October 1 to November 30, 2025, issue a quote for the “Beauty & Spa Package Insurance” via Qnect and receive a HK$25 Pacific Coffee voucher!

Coverage Features:

1. Free treatment liability coverage up to HK$50,000
2. Portable equipment covered while outside your premises up to HK$30,000
3. Enhanced protection for outside signboards up to HK$50,000
4. Cloakroom liability (Guests’ effects) up to HK$50,000

*Please click here to download product features' comparison.
*Please click here to download Beauty & Spa Package leaflet.
*Please click here to download user guide.
*Please click here to download issuance tutorial in Qnect ( Chinese version only)
*Click here to download previously held Beauty & Spa Package insurance webinar, and click here to download the presentation slides of seminar to learn more.

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.

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.

ECI Price Matching Get 10% Discount

Good news! Since its launch, the QBE Hong Kong Employees’ Compensation Insurance 10% Discount Program has received an enthusiastic response, with outstanding performance in 2025. Enjoy a 10% discount when you purchase new business under the Employees’ Compensation Insurance (EC Section). Agents can seize this opportunity during FAE to boost cross-selling! All signs point to the success and popularity of this special offer!

📈 New Business Policy Uptake: Increased by over 12%
💰 New Business Premium Growth: Surged by over 34%

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 Hong Kong “Cross Border” Insurance – Partner Update

Starting October 1, 2025, QBE Hong Kong will transition its insurance partner for newly issued “Cross Border” motor insurance policies from China Pacific Insurance to Ping An Insurance.

This change brings enhanced protection, more personalized services, and more affordable premiums, offering customers greater peace of mind when driving in the Greater Bay Area. (Existing customers will not be affected by this change.)

New Coverage & Services from Ping An Insurance:

• Two new optional add-on coverages:
• Medical Expenses Liability Insurance (Third Party)
• Medical Expenses Liability Insurance (Passengers)
• These supplementary coverages extend beyond the scope of National Basic Medical Insurance.
• No administrative fee for policy cancellation – offering greater flexibility for travel planning.
• Cantonese-language support for Hong Kong customers in case of accidents in the Greater Bay Area.

Coverage Update

The maximum coverage limit for third-party liability insurance will be adjusted from RMB 10 million to RMB 5 million.

Comprehensive Protection – QBE Hong Kong Motor Insurance

In addition to “Cross Border” coverage, QBE Motor Insurance provides full local vehicle protection, including Vehicle Damage, Theft, Third-party Liability and additional coverage options. This ensures peace of mind whether driving in Hong Kong or the Greater Bay Area.

QBE Motor Insurance Highlights

• Third-party property damage limit increased to HKD 5 million
• Covers all vehicle types, including electric vehicles
• New-for-old replacement
• Windscreen excess waiver

Please click her to review brochure: Motor Supersurance and Cross Border Motor.
Login Qnect to issue QBE Motor Insurance
Cross Border Motor Insurance application link: https://forms.office.com/r/s97SzDf9LQ
Check premium: Use the Cross-border Premium Calculator

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 November–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.

Q3 Rolex Watch Lucky Draw

We’re excited to announce that 50 Manulife agents have been successfully selected via lottery to participate in the Q3 “Rolex Watch Lucky Draw”! These lucky individuals now have a chance to win the coveted Rolex watch, in recognition of their outstanding performance and dedication during the third quarter.

All selected agents have already been notified via email—please check your inbox and stay tuned for the upcoming draw results! Congratulations once again to all selected agents, and thank you for your continued efforts and contributions. Let’s look forward to the announcement of the next Rolex winner together!

Thank you to Manulife District Directors who attended QBE’s “Grill & Chill with AFL Stars” dinner.

Together, we enjoyed a poolside BBQ evening full of Australian flair! While savoring delicious food, guests had the chance to interact closely with professional players from the Australian Football League (AFL) and hear their passionate stories from the field. The atmosphere was relaxed and joyful, filled with laughter throughout the night.

This event not only offered a chance to unwind but also fostered meaningful connections and engagement among attendees. Thank you once again for your participation, which made the evening even more memorable and special!

“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!

Your hard work deserves recognition—let’s sprint forward together and create your moment of glory!