Fact · health-welfare · 2026-10-13
Restrictions on insurers obtaining medical records in Hong Kong
香港保險公司索取醫療紀錄嘅規限
Figure and reference date
Insurers must obtain the policyholder's written consent before accessing their medical records
保險公司須得投保人書面同意先可索取其醫療紀錄
Notes and definition
Under Insurance Authority guidelines and the Personal Data (Privacy) Ordinance, insurers must obtain the policyholder's explicit written consent before accessing their medical records during underwriting or claims handling. Policyholders also have the right to be informed of which records were accessed. Unauthorised access breaches the Privacy Ordinance.
Verified questions that cite this figure
How can insurers in Hong Kong access a policyholder's medical records?
Under Insurance Authority guidelines and the Personal Data (Privacy) Ordinance, insurers must obtain the policyholder's explicit written consent before accessing their medical records during underwriting or claims handling. Unauthorised access breaches the Privacy Ordinance. Policyholders also have the right to be informed of which records were accessed.
（已核對問題頁目前只有中文版；上面嘅英文標題同答案本身係資料檔嘅官方英文欄位。）
How to cite this figure
Hong Kong Story, “Restrictions on insurers obtaining medical records in Hong Kong”, https://hongkongstory.org/en/facts/insurance-medical-records-access, data as at 2026-10-13 (retrieved ＿).
中文：香港紀事館，〈香港保險公司索取醫療紀錄嘅規限〉，https://hongkongstory.org/facts/insurance-medical-records-access，資料時點 2026-10-13（查閱日期 ＿）。
Machine-readable: /api/v1/facts.json (id = insurance-medical-records-access) · OpenAPI 3.1 ·/llms.txt
Registered source
Insurance Authority: underwriting and claims guidelines
Insurance Authority
The official document carries no registered publication date, so only the retrieval date 2026-10-13 is given — no publication year is invented.
This site is a secondary compilation: the official text prevails. If the figure above differs from the official document, the official document is correct.