One consented tap gives agency, underwriting and claims verified identity, wealth and medical data on Mainland customers.
One tap: Chen Zhiqiang1 · The problem
Mainland business
HK$62.8bn
in new premiums from Mainland visitors in 2024, 28.6% of individual new business
Hong Kong gross premiums reached HK$637.8bn.
Claims
HK$352.5bn
in long-term insurance claims and benefits paid in 2024
Each assessed on the claimant's own documents.
Fraud
$10–15
of every $100 claimed involves some fraud, on an overseas estimate for general insurance
No measured Hong Kong rate is published.
2 · Where the time goes
The case
An agent meets a Mainland visitor to sell a savings plan
3 · What it saves
Staff time per case
Working days to issue the policy
Saved per year
HK$6,440,000
Staff cost freed
9.2 people's full-time work
18,400
Staff hours freed
30
Working days sooner
287,900
Customer-days of waiting saved
Illustrative figures, not client data. Today's timings follow the industry benchmarks in Fill Easy's insurance brief: up to 6 weeks to issue, 1–2 weeks for medical evidence.
4 · Proof
Life and health insurance, Hong Kong and the Greater Bay Area
Customers verify their ID with one tap.
How a customer proves their ID in an application
This e-KYC solution fuses a superb front-end user experience with an automated back-end process to provide customers with an efficient onboarding process that is effortless and fast.
5 · How to start
For underwriting, compliance and claims teams
For application platforms, agent tablets and claims systems
CRM Coming soonDelivery into the CRM your team uses is not available yet. Tell us which one you use.
CRM statusNot covered here? Ask our team
Yes, under Fill Easy's filed Standard Contract for cross-border personal information transfer (Filing No. 202500031), with the claimant's consent. Your organisation does not file its own.
With the customer's consent: identity checked against official government sources, source-of-wealth data, treatment and billing records, and court and credit records, as structured fields with a PDF.
They tap their Mainland national ID card against the phone's NFC reader and consent in China eID. It works on an agent's tablet or in your own app.
Itemised hospital billing records typically come back the next day, checked against the claim, with any differences flagged for your team.
Yes. Through the API, invoice data is returned as structured fields with a PDF report, ready for your assessment rules.
Yes. Prudential Hong Kong runs NFC e-KYC inside PRUSubmit: the customer taps their ID on a secured device, GovVerify confirms it at source, and the verified details return to the application with nothing retyped.
Yes. Hong Kong residents verify through iAM Smart, through the same API as China eID.
Yes. CorpVerify returns Hong Kong and Mainland company searches with shareholder and UBO structures, for group-scheme employers, corporate policyholders and intermediaries.