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Regulatory Disclosures

Public Disclosure Published Pursuant to the Risk-based Capital Regime in Hong Kong

In accordance with the requirements of the ‘Circular on Public Disclosure Requirements for the First Financial Year Adopting Risk-based Capital Regime’ issued by the Hong Kong Insurance Authority dated 8 August 2025 which applies to Hong Kong authorised insurers, Blue Cross (Asia-Pacific) Insurance Limited (the “Company”) has published its audited financial statements and prescribed Risk-based Capital disclosure statement.

The Company has engaged PricewaterhouseCoopers to perform reasonable assurance engagement on its prescribed Risk-based Capital disclosure statement.

The Hong Kong Risk-based Capital (HKRBC) regime is a capital adequacy framework introduced by the Hong Kong Insurance Authority (HKIA), effective from 1 July 2024.

This framework applies a modular and risk-sensitive approach to determining capital adequacy of Hong Kong authorised insurers that reflects each authorised insurer’s risk profile and aligns to international standards.

HKRBC public disclosure aims to enhance market discipline and transparency by providing authorised insurers’ financial information to the general public, such as policy holders and market participants.
Authorised insurers are required to publish the following on their websites:

(1) Audited financial statements; and

(2) HKRBC disclosure statement.
All authorised insurers are required to comply with HKRBC public disclosure requirements, except for certain insurers exempted by the HKIA.
HKRBC public disclosures and financial statements serve different purposes and are not directly comparable due to differences in scope, valuation methods, and reporting objectives. HKRBC disclosures are regulatory and apply only to authorised insurers in Hong Kong, including a Disclosure Statement focused on capital adequacy under the HKRBC framework and Financial Statements prepared under international accounting standards showing the company’s performance.

Disclosure Material

2024

Audited financial statements
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Disclosure statement
(including independent practitioner’s reasonable assurance report)
Download