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Regulatory Disclosures

Public Disclosure Published Pursuant To The Risk-based Capital Regime In Hong Kong

The Public Disclosure Requirements for the First Financial Year Adopting Risk-based Capital Regime circulated by the Hong Kong Insurance Authority requires the audited financial statements and disclosure statement to be published in respect of Blue Cross (Asia-Pacific) Insurance Limited. Blue Cross (Asia-Pacific) Insurance Limited has engaged PricewaterhouseCoopers to perform a reasonable assurance engagement on the disclosure statement of Blue Cross (Asia-Pacific) Insurance Limited.

The audited financial statements are prepared in accordance with Hong Kong Financial Reporting Standards and the Hong Kong Companies Ordinance, and the disclosure statement is prepared in accordance with the requirements under the Insurance (Valuation and Capital) Rules and the Circular on Public Disclosure Requirements for the First Financial Year Adopting Risk-based Capital Regime dated 8 August 2025.

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
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