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保險中介人背景查核計劃 Reference Checking Scheme for Insurance Intermediaries
本背景查核計劃（“背景查核計劃”）是由香港保險業聯會、香港保險顧問聯會及香港專業保險
經紀協會共同推行，並獲保險業監管局（“保監局”）認可的措施，旨在減低保險界因“滾動的
壞蘋果”而產生的風險。
於2024年，香港保險業聯會首次推出背景查核計劃，但查核僅限於香港獲授權保險公司就其從
事長期業務的個人保險代理的委任（不包括內部職員代理 ）（“第一階段”）。 鑑於該計劃第
一階段所取得的經驗及正面成果，香港保險業聯會、香港保險顧問聯會及香港專業保險經紀協會
一致認為，為提升保單持有人的利益及公眾對市場的信心，計劃的涵蓋範圍應進一步擴展，涵蓋
所有從事長期業務的持牌個人保險中介人（即根據《保險業條例》（第41章）（ “《條例》”）
所定義的持牌保險中介人，包括就長期業務進行《條例》附表1A所定義的受規管活動的持牌個
人保險代理、持牌業務代表（代理人）及持牌業務代表（經紀）），以防止“少數的壞蘋果破壞
整籃蘋果”。
生效日期
本背景查核計劃第一階段自 2024年9月1日起生效，第二階段自 2026年1月1日
起生效。
The Reference Checking Scheme ("Scheme") is a measure jointly launched by the Hong
Kong Federation of Insurers (“HKFI”), the Hong Kong Confederation of Insurance
Brokers (“CIB”) and Professional Insurance Brokers Association (“PIBA”), and endorsed
by the Insurance Authority ("IA") with the aim of mitigating the risks arising from the
"rolling bad apple" in the insurance industry.
The Scheme was first launched by the HKFI in 2024 where it was only applicable to the
appointment of the individual insurance agents (excluding staff member agents) carrying
on regulated activities in long term business by authorized insurers in Hong Kong
(“Phase 1”). With the accumulation of operational experience and in view of its positive
outcome, the HKFI, HKCIB and PIBA unanimously believe that the scope of the Scheme
should be expanded, to cover all types of licensed long term individual intermediaries
(as defined under the Insurance Ordinance (Cap. 41) (“IO”) (i.e. licensed individual
insurance agents, licensed technical representatives (agent) and licensed technical
representatives (broker), who carry on regulated activities as defined under Schedule
1A to the IO in long term business) (“Phase 2”) to better protect policy holder interests,
maintain public confidence in the market, and stop “the few bad apples spoiling the whole
barrel”.
Phase 1 of the Scheme came into effect from 1 September 2024 and Phase 2 of the Scheme
shall take effect from 1 January 2026.
