Terms of Use

By accessing and/or using this website, you are deemed to agree that all terms and conditions applicable or relating to this website shall be governed by the laws of Hong Kong, and that any dispute arising out of or relating to this website shall be subject to the exclusive jurisdiction of the courts of Hong Kong.
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Legal restrictions may apply to the distribution of information regarding certain of these products and services in some jurisdictions, and this website is not intended for the use of persons located in those jurisdictions to which restrictions apply. Persons accessing this website do so on their own initiative. It is the responsibility of those accessing this website to ensure that they are aware of and observe all relevant restrictions and laws which apply to them.
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All insurance product information available on this website is not and shall not be construed as an offer to sell or a provision of insurance products to any person in any jurisdiction outside Hong Kong or a solicitation to such person to buy insurance products.
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This website has been prepared for general information purpose only and the information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services. Whilst every effort has been made to ensure accuracy, no responsibility can be accepted by Concord Insurance Company Limited (the “Company”) for errors and omissions however caused. The information should not be relied on as professional advice and should not be regarded as a substitute for detailed advice in individual circumstances when the services of a competent professional advisor should be sought.

Concord Insurance Co. Ltd. (hereafter “Concord”) endeavors to ensure the security of the use of its website; nevertheless, Concord does not warrant that any information accessible through this website is free of viruses or other harmful components. Concord is not responsible in any manner for any direct, indirect or consequential damages arising out of the use of this website or the downloading of materials from this website.

Users need to safeguard themselves against all the potential internet risks, as the users shall be ultimately and solely responsible for any losses or damages to their data and/or equipment. Users of this website are encouraged to protect and back up their data and/or equipment and take any precautionary measures against computer viruses or other contaminating or destructive properties as they think appropriate and necessary.

Please note that there is no guarantee that any correspondence sent via email to or by Concord will be received, or that the contents of the email will remain confidential during internet transmission.

This website may be linked to other websites/mobile applications which are not maintained by the Company. The Company has no control over, and hereby expressly disclaims any responsibility for the contents and accuracy of those websites/mobile applications or any loss or damage suffered as a result of any access to or interaction with those websites/mobile applications via this website. Users are suggested to make enquiries and investigation before proceeding with any online or offline access or transaction with any of these third parties.

The contents of this website are the property of the Company and are protected by copyright. Users of this website are prohibited from transmitting, copying, modifying or using any materials contained in this website without the prior written consent of the Company. The trademarks, logos and service marks appearing in this website are either owned by the Company or other third parties and shall not be used without the prior written consent of the Company or such third parties.