Zurich Services (Hong Kong)

What Zurich Services (Hong Kong) does

Zurich Services (Hong Kong) is the Hong Kong insurance operations of Zurich Insurance Group, a Swiss-headquartered, SIX Swiss Exchange-listed global insurer. The Hong Kong entity has operated for over 60 years and delivers a broad general insurance and life insurance portfolio under sub-brands including Breezy Travel, Breezy Home, Breezy Motor (including EV), GBA Go, Cyberside, Zurich Term Life, Zurich Care, Zurich Guard, Duo Protector, VHIS (Smart Choice/Smart Care/Smart Care+), and ClinicGo. Underlying technology consists of a digital-first insurance platform with instant online purchase via zurich.com.hk, the OneZurich customer portal for policy aggregation and claims submission, a Cyberside mobile security application (VPN, antivirus, Wi-Fi scanning), and electronic document processing — supported by a 150-year-old brand that has served up to 3.9 million travel insurance customers in Hong Kong over the past decade.

The business model is recurring-premium-driven across general insurance (travel, home, motor, personal accident, cyber, drone, domestic helper) and life insurance (term life, critical illness, VHIS, savings/investment), with subscription billing cadences ranging from monthly to annual. Revenue streams include general insurance premiums, life insurance premiums, and the Socare Health Pass membership fees. GTM is multi-channel: direct-to-consumer online instant purchase, self-service via OneZurich, intermediary/broker distribution for enterprise and complex life products, and phone-based inside sales. Customer segments are horizontal — individuals as the primary segment, plus SMEs and corporate clients — and pricing is fragmented across 20+ product SKUs with entry points as low as HKD 47/month.

The Hong Kong entity sits within a multi-jurisdictional corporate structure that includes Zurich Life Insurance (Hong Kong) Ltd, Zurich Assurance Ltd (UK), Zurich Insurance Ltd (Switzerland), and Zurich International Life Ltd (Isle of Man). Distribution advantages are reinforced by ESG credentials (four consecutive years winning the Hong Kong Insurance Awards 'Outstanding ESG and Sustainable Development Award'), VHIS government certification (provider #00024), and recent expansion signals including a 2026 YAS robot-embedded insurance partnership, Greater Bay Area product launches, and EV and cyber-insurance product launches. Revenue is not publicly disclosed, but the breadth of distribution, product portfolio, and 60+ year HK market tenure indicate a substantial recurring-premium business anchored by brand trust and multi-channel reach.

Name

Zurich Services (Hong Kong)

Legal name

Zurich Insurance (Hong Kong) / 蘇黎世保險（香港）

Website

https://zurich.com.hk

Company type

Public

Founded year

1961

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Zurich Services (Hong Kong) is the Hong Kong arm of Zurich Insurance Group, providing general insurance (travel, home, motor, cyber) and life insurance (term life, critical illness, VHIS) to individuals, SMEs, and corporate clients via direct online, OneZurich portal, and intermediary channels under a 150-year-old brand.

Ownership category

akta.pro rank

Product category

General and Life Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

Baggage & Personal Effects Insurance (FSAJAJAE)

Keywords

• General insurance products
• Life insurance plans
• Travel insurance coverage
• Critical illness protection
• Voluntary health insurance

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. General Insurance Premiums: Zurich Hong Kong collects insurance premiums from individual and corporate clients for general insurance products including travel, home, motor, personal accident, cyber, and domestic helper insurance. Revenue is generated through annual and multi-year premium payments.
2. Life Insurance Premiums: Life insurance premiums collected for term life, critical illness, voluntary health insurance (VHIS), and savings/investment insurance products. Premium payment modes include monthly and annual payments over various payment terms.
3. Healthcare and Wellness Membership (醫世保健通): Annual membership fees for the health and wellness pass providing access to Chinese medicine, Western medicine, dental, and physiotherapy services at discounted rates through partner network.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Zurich Services (Hong Kong) sells and underwrites a wide range of general insurance (travel, home, motor, domestic helper, personal accident, cyber, drone) and life insurance (term life, critical illness, voluntary health insurance, savings/investment-linked) products to individual consumers, SMEs, and corporate clients in Hong Kong. Distribution is conducted through direct online purchase, the OneZurich digital platform, insurance intermediaries/financial advisors, and phone-based sales, supported by 60+ years of local presence under the Zurich brand.

Product overview

Zurich Services (Hong Kong) offers a comprehensive insurance product portfolio under the Zurich brand, encompassing travel insurance (BreezyTravel, GBA Go, StudySmart+, Live2Play), home insurance (Breezy Home for homeowners/renters and landlords), motor insurance (Breezy Motor for private cars and electric vehicles), life insurance (Term Life), personal accident insurance (Breezy Care, Zurich Guard, Sportifly, Passenger PA), critical illness insurance (Zurich Care, Duo Protector series), voluntary health insurance (VHIS series), outpatient/dental coverage (ClinicGo), cyber insurance (Cyberside), domestic helper insurance (Helpersafe), drone insurance, and a health membership program (Socare). Customers access products and services through the OneZurich digital platform for policy management and claims processing.

Differentiator

Problem solved

Functional benefit

Brands

• Breezy Travel 自在旅遊: Travel insurance plan with coverage up to HKD 1,500,000 for medical expenses
• GBA Go 大灣區 Go
• StudySmart+ 智學保+
• Live2Play
• Breezy Home 自在家居
• Breezy Home Landlord 自在家居業主
• Helpersafe 傭易保
• Breezy Motor 自在駕駛
• Cyberside 網絡同行
• Zurich Term Life 至安心定期壽險
• Breezy Care 自在守護
• Zurich Guard 至守護
• Zurich Care 至全護
• Duo Protector 危疾雙重保
• Zurich VHIS 蘇黎世自願醫保系列
• ClinicGo 健診易

Products and services

• Breezy Travel Insurance (自在旅遊保險計劃) Travel insurance for individual consumers offering single-trip and annual multi-trip plans with up to HK$1,500,000 medical coverage, personal belongings protection, and optional benefits for self-drive tours, overseas activities, cruises, and weddings.
• GBA Go Greater Bay Area Travel Insurance (大灣區 Go! 旅遊保險計劃) Specialized travel insurance for Greater Bay Area trips covering Macau, Guangzhou, Shenzhen, Zhuhai and other GBA cities, with seamless cross-border emergency medical evacuation to Hong Kong hospitals and food poisoning coverage.
• StudySmart+ Overseas Student Insurance (智學保+ 海外留學保險計劃) Overseas student insurance for individuals studying abroad, with full-year and short-term course options covering medical expenses up to HK$1,500,000, personal accident, personal liability, and travel-related protection.
• Live2Play Working Holiday Insurance (工作假期保險計劃) Working holiday insurance for young people on working holiday visas, covering medical expenses up to HK$750,000, personal accident, personal liability, trip delay, and course fee protection.
• Breezy Home Insurance - Householder (自在家居保險計劃 (住戶)) Home insurance for homeowners and renters covering home contents up to HK$3,250,000, legal liability up to HK$10,000,000, with optional buildings, worldwide personal belongings, EV charging, and solar panel coverage.
• Breezy Home Insurance - Landlord (自在家居保險計劃 (業主)) Landlord insurance covering property damage, legal liability up to HK$10,000,000, rental loss protection (HK$20,000/month for up to 6 months), EV charging, and solar panel coverage.
• Helpersafe Domestic Helper Insurance (傭易保家傭保障計劃) Domestic helper insurance covering medical expenses (outpatient/hospitalization), dental care, personal accident, loyalty protection, replacement costs, and employer's liability for foreign domestic workers, local part-time helpers, and confinement nannies.
• Breezy Motor Private Car Insurance (自在駕駛 私家汽車保險計劃) Private motor insurance with comprehensive vehicle damage coverage, third-party liability up to HK$100,000,000, medical expenses, windshield protection, courtesy car options, and 24-hour emergency services.
• Breezy Motor EV Private Electric Vehicle Insurance (自在駕駛 私家電動汽車保險計劃) Electric vehicle insurance with coverage for advanced driver assistance systems, battery charging protection, same-model new car replacement up to 3 years, and sustainable battery disposal.
• Cyberside Personal Cyber Insurance (網絡同行 個人網絡安全保險) Personal cyber insurance covering online fraud, cyber extortion, data breach recovery, cyberbullying support, identity theft, and legal expenses, with complimentary cybersecurity services including VPN and antivirus.
• Drone Protection Insurance (無人機保障計劃) Drone insurance covering both recreational and commercial use with third-party liability protection up to HK$10,000,000 and physical damage coverage up to HK$50,000 for UAVs.
• Zurich Term Life Insurance (至安心定期壽險計劃) Term life insurance for individuals with coverage from HK$100,000 to HK$3,000,000, guaranteed renewal to age 100, no medical examination required, starting from HK$5.4/day, with 1/5/10 year renewal terms.
• Breezy Care Personal Accident Insurance (自在守護 個人意外保險計劃) Personal accident insurance for individuals and families with family coverage up to HK$8,000,000, accidental medical expenses up to HK$300,000/year, covering high-risk sports, with no daily limits on TCM and physiotherapy, renewable to age 80.
• Zurich Guard Refundable Accident Insurance (至守護保費回贈意外保障計劃) Refundable accident insurance with 100% premium refund at maturity (even with claims), plus 5% no-claims bonus, coverage up to HK$2,000,000, and Greater Bay Area transport accident protection.
• Sportifly Sports Protection (全躍動 運動保障) Sports accident insurance covering 76 types of sports including water sports, martial arts, and extreme sports, with HK$200,000 death/PTD coverage, fracture compensation, and HK$300/day hospitalization.
• Passenger PA Passenger Accident Insurance (乘客守護 乘客意外保障) Passenger accident insurance for public transport and private car passengers covering accidental death up to HK$3,000,000 and HK$750/day hospitalization cash in Hong Kong.
• Zurich Care Critical Illness Insurance (至全護危疾保障計劃) Critical illness insurance for individuals covering 81 conditions including cancer, heart disease, and stroke, with cancer drug reimbursement up to HK$120,000, and optional 100% premium refund at maturity.
• Duo Protector Critical Illness Series (蘇黎世危疾雙重保系列) Critical illness series with two options: 'Well Protector' (lump-sum payment) and 'Healer Protector' (reimbursement-based) covering 4 major and 3 early-stage critical illnesses with no waiting period between claims.
• Zurich VHIS Voluntary Health Insurance Series (蘇黎世自願醫保系列) Government-approved Voluntary Health Insurance Scheme products including Smart Choice (standard), Smart Care (flexible plans with add-ons), and Smart Care+ (prestige with full reimbursement), with guaranteed renewal to age 100.
• ClinicGo Outpatient and Dental Care Plan (健診易 門診及牙科保障計劃) Outpatient and dental insurance with network doctors covering GP, specialist, physiotherapy, Chinese medicine, and dental care, with plans ranging from HK$1,310 to HK$4,038/year and no waiting period.
• Socare Health Pass (醫世保健通) Health membership program providing unlimited annual access to Western medicine, Chinese medicine, dental, and physiotherapy services at up to 50% member discount, with first-year membership from HK$195.
• OneZurich Customer Online Service Platform One-stop digital customer service platform for existing policyholders to view all general and life insurance policies, submit claims, check claim status, and update contact information.

Quantifiable outcome

• Up to 3.9 million customers have trusted Zurich travel insurance over the past decade
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• YASminorStrategic or Co-development Partner · 15 June 2026Zurich Hong Kong partnered with YAS to announce robot-embedded insurance products. This collaboration represents an innovation in insurance distribution and product development, integrating insurance solutions with technology platforms.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Allianz Hong Kong: Allianz is a global insurer with Hong Kong operations offering life, health, and general insurance products. Comparable to Zurich HK as another global insurance group operating locally with multi-line product offerings through digital and intermediary channels.
• AXA Hong Kong: AXA is a leading general and life insurer in Hong Kong offering motor, home, travel, health, and life insurance products. Closely comparable to Zurich HK in product breadth, multi-channel distribution (direct, intermediary, online), and target segments (individual, SME, corporate).
• China Life Insurance (Hong Kong): China Life is one of the largest life insurers in Hong Kong, offering life insurance, savings, accident, and health products. Comparable to Zurich HK's life and health insurance business with similar target customers and intermediary-led distribution.
• Blue Cross (Asia-Pacific) Insurance: Blue Cross is a Hong Kong-focused general insurer offering travel, health, motor, and home insurance. Closely comparable to Zurich HK's general insurance portfolio including travel, home, and personal accident products targeting Hong Kong consumers.
• Bupa Hong Kong: Bupa is a leading health insurance specialist in Hong Kong offering medical, dental, and wellness products. Comparable to Zurich HK's health insurance offerings including VHIS, ClinicGo outpatient/dental, and Socare Health Pass wellness membership.
• Manulife Hong Kong: Manulife provides life insurance, health, accident, and wealth management products in Hong Kong through agents and digital channels. Comparable to Zurich HK in offering VHIS products, critical illness coverage, and life insurance with multi-channel distribution in the Hong Kong market.
• AIA Hong Kong: AIA is the largest life insurer in Hong Kong, offering life insurance, health protection, accident coverage, and wealth management. Comparable to Zurich HK in offering both life and general insurance products to individual and corporate customers through multi-channel distribution in the Hong Kong market.
• FWD Hong Kong: FWD is a major Hong Kong-based insurer offering life, health, accident, and general insurance products with strong digital-first capabilities. Directly comparable to Zurich HK in product portfolio and emphasis on online/digital distribution for consumer insurance products.
• HSBC Life Hong Kong: HSBC Life offers life insurance, retirement, and wealth protection products in Hong Kong through bank channels. Comparable to Zurich HK's life and savings insurance offerings, with strong brand recognition and emphasis on protection-focused products.
• Prudential Hong Kong: Prudential is a major life and health insurer in Hong Kong with comprehensive product offerings including life insurance, medical, critical illness, and savings plans. Directly comparable to Zurich HK in serving Hong Kong individual and corporate customers with both protection and investment-linked insurance products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zurich Services (Hong Kong)