Insurance Intermediary

Hong Kong Insurance Licence (IIQE): Which Papers You Actually Need | 2026 Guide

PickMyQuiz
Published:
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Hong Kong Insurance Licence (IIQE): Which Papers You Actually Need | 2026 Guide

搜「保險牌」嘅人最想知一件事:究竟要考幾多張卷、幾多錢、幾耐搞掂。麻煩喺於「保險牌」根本唔係一張卷——係按你將來賣咩產品砌出嚟嘅組合,最少兩張、最多四張。本文一次過將整個制度攤開:邊幾張卷、各自考乜、幾錢、幾難,以及最多人搞錯嘅「卷四」同「成績兩年過期」兩件事。

卷一係全部人都要考嘅一張。免費下載 App,逾 900 題離線操練 App StoreGoogle Play

一、一句話答案

卷一(保險原理及實務)人人必考,之後按你賣咩產品加卷:做一般保險加卷二、做人壽及年金加卷三、要賣投資相連(ILAS)就要卷一+卷三+卷五三張齊。

所以常見組合得三個:2 張(卷一+卷二,或卷一+卷三)、3 張(卷一+卷二+卷三,跨兩類業務)、3 至 4 張(要做投連險,卷一+卷三+卷五,如同時做一般保險再加卷二)。冇人係「五張卷全部考晒」。

二、「保險牌 1 2 3 4 5」到底有邊幾張?

好多人搜「保險牌 1 2 3 4 5」,以為係一至五號五張連續嘅卷。實情唔係咁——IIQE(保險中介人資格考試)現行係五張卷,但編號有斷層

卷別 名稱 邊個要考
卷一保險原理及實務(P&P)全部保險中介人
卷二一般保險(GI)做一般保險業務
卷三長期保險(LT)做人壽、年金等長期業務
卷四強積金計劃(MPF)2013 年 5 月 2 日起已唔屬於 IIQE
卷五投資相連長期保險(IL)要賣 ILAS 投連險
TIA 卷旅遊保險代理人只做旅遊保險嘅代理(另設專卷)

關於「卷四」:你喺舊帖見到嘅「IIQE 卷四」係強積金考試,自 2013 年 5 月 2 日起已經唔再屬於 IIQE 一部分。而家要做強積金業務係考獨立嘅 MPFE(強積金中介人資格考試)。所以如果有人叫你「五張卷考齊」,佢多數係照抄十年前嘅資料。

三、你屬於邊種身份,要考邊幾張

你想做… 要考 張數
車保、家居、醫療等一般保險卷一+卷二2
人壽、危疾、年金(傳統長期保險)卷一+卷三2
投資相連壽險(ILAS)卷一+卷三+卷五3
一般保險+長期保險(跨兩類)卷一+卷二+卷三3
全能型(大行常見要求)卷一+卷二+卷三+卷五4

留意:保險代理人、保險經紀、業務代表三種身份考同一批卷,分別唔係喺考試,而係喺發牌類別同合規責任。銀行前線銷售保險亦一樣受呢套規管。

四、五卷規格總表

卷別 題數 時間 合格線 考試費(筆試/電腦/遙距)
卷一 保險原理及實務75 題 MC120 分鐘70%(53 題)$195 / $265 / $850
卷二 一般保險50 題 MC75 分鐘70%(35 題)$195 / $265 / $850
卷三 長期保險50 題 MC75 分鐘70%(35 題)$195 / $265 / $850
卷五 投資相連長期保險80 題 MC120 分鐘70%(56 題)$325 / $390 / 不設遙距

全部係四選一多項選擇題,不設倒扣,所有題目都必須作答——即係唔識都要估,空白同答錯冇分別。成績只顯示「及格/不及格」,唔會公布分數,亦唔會派返試題同答案。重考次數不限,但每次都要重新繳費。

試題語言唔使揀:筆試同電腦應考模式下,所有試題中英對照、同時印喺同一題上,遇到唔肯定嘅中文表達可以即刻對返英文。只有遙距監考模式先要喺報名時揀中文或英文。

五、總共要俾幾多錢?

用最平嘅筆試模式計,一次過合格嘅情況下:

  • 做一般保險(卷一+卷二):$195 × 2 = $390
  • 做長期保險(卷一+卷三):$195 × 2 = $390
  • 做投連險(卷一+卷三+卷五):$195 × 2 + $325 = $715
  • 全能型(卷一二三五):$195 × 3 + $325 = $910

揀電腦應考每張貴約 $70;遙距監考最貴,卷一至三每張 $850,係筆試嘅 4 倍以上,而且卷五根本冇呢個選項。費用喺呢度嘅槓桿唔係考試費本身,係「考幾多次」——重考一張卷一,成本就抵銷咗你揀平模式慳落嘅錢。

六、保險牌難唔難考?

先講一句冇人講嘅實話:PEAK 從來冇公布過任何一張 IIQE 卷嘅官方合格率。你喺網上見到嘅「卷一 44%」「卷五約 53%」等數字,追返上去全部搵唔到官方出處,部分仲係引用多年前已改制嘅舊卷別。

官方數字唔存在,但相對難度量度得到。下表統計自我哋五個保險 app 內 122,488 條真實練習作答

難度排名 卷別 練習正確率 最多人做錯嘅章節
1(最難)卷一64.2%香港保險業的結構(58.0%)
2卷二69.7%保險產品(68.4%)
3卷五69.0%投資相連長期保單簡介(63.5%)
4(最易)卷三75.6%人壽保險及年金的種類(73.3%)

呢個數字唔係合格率,唔好直接當合格率用。練習可以重做、可以睇解釋、冇時間壓力,所以一定高過實際考試。我哋喺 HKSI 卷一有兩邊數據可以校準:官方合格率 51.9%,同一張卷嘅練習正確率 65.6%,相差 13.7 個百分點。換句話講,如果你喺 app 練到啱啱好 70%,實際入考場並唔安全——目標應該係練習穩定 85% 以上。

最反直覺嘅一點:必考嘅卷一,同時係最難嗰張。好多人以為「入門卷梗係最淺」,於是輕視卷一、將時間押喺後面。但卷一考嘅係保險原則同應用判斷,唔係背誦,而且佢係卷二卷三嘅基礎——跳過或者求求其其過,後面兩張只會更辛苦。時間分配應該係卷一佔最多。

七、成績有效期:坊間講法係錯嘅

幾乎所有補習網都寫「IIQE 成績有效期兩年」,即係「考完兩年就過期」。呢個講法唔準確。

保監局《指引 23》(持牌保險中介人「適當人選」準則)附件一第 7(b) 段寫得好清楚:成績失效嘅條件係「由考試日起計,任何連續兩年冇喺香港從事保險相關工作」——關鍵係有冇做嘢,唔係時間流逝。實際影響分三種情況:

你嘅情況 成績會唔會失效
考完但一直未入行效果上等同「兩年內要成功攞牌」,否則失效
已入行,持續從事保險相關工作唔會因為考咗好耐而失效
入咗行之後離開行業滿兩年要重考相關卷別(第 7(a) 段)

呢個分別對兩種人好實際:打算轉行但未落實 offer 嘅人,唔好太早考——考完擺兩年冇入行就白費;已經入咗行嘅人,唔使因為聽人講「兩年過期」而恐慌重考。

八、豁免點先算數

呢度有個好多人搞錯嘅分工:PEAK 只負責考試,唔處理豁免。PEAK 嘅考試手冊由頭到尾都冇「豁免」條款。真正決定豁免嘅係保險業監管局(IA),認可資格名單載於《保險業條例》(第 41 章)下嘅《指引 23》附件一第 5 段。

大致框架係咁(詳情以最新版《指引 23》為準):

  • 第 5(a) 段——持有指定保險專業資格(如 ACII/FCII、ANZIIF 高級會員或會士、FLMI、CLU、CPCU)或指定精算資格(FIA/FFA、FIAA、FSA)者,可獲豁免卷一、卷二、卷三及 TIA 卷。
  • 第 5(b) 段——持有 ChFC、CFP、上述精算資格,或已通過 HKSI 指定課程/證書者,可獲豁免卷五(注意:唔包括卷二)。
  • 第 5(c)、5(d) 段——按 2000 年 1 月 1 日前嘅資歷或經驗豁免,只限當年已經入行嘅人,新人唔適用。
  • 第 5(e) 段——已通過卷一同卷二者,自動豁免 TIA 卷。

實務做法:(1)去 ia.org.hk 揾《指引 23》最新版,睇附件一第 5 段;(2)名單會不時修訂,唔好靠幾年前嘅論壇帖;(3)唔肯定就直接向 IA 或你嘅委任公司合規部門書面查證,得到確認先好慳返報考費。另外注意:「豁免」同「已考過就唔使再考」係兩件事,後者係成績認可問題,見上一節。

九、由零到持牌完整流程

  1. 確定業務範疇——先搞清楚將來賣咩產品,先知要考邊幾張。呢步做錯就會多考一張、多付一次錢。
  2. 查豁免——手上有金融/精算專業資格嘅話,向 IA 或公司合規書面查證。
  3. 報名——經 PEAK(peak.edu.hk)報考,揀筆試、電腦應考或遙距監考(卷五冇遙距)。
  4. 備考——研習資料手冊由 IA 發布,版本不時更新,一定要用最新版。溫完手冊之後靠操題找漏洞。
  5. 應考——70% 合格,冇倒扣,全部題目都要答。成績只有「及格/不及格」。
  6. 由公司提交牌照申請——考試合格唔等於持牌。牌照申請一般由委任你嘅保險公司或代理/經紀行向 IA 提交。
  7. 持續專業發展(CPD)——攞牌之後每年都要完成 IA 規定嘅 CPD 學時,維持資格。考試係入門,CPD 係長期責任。

十、常見問題 FAQ

Q:考保險牌有冇學歷要求?

IIQE 本身係資格考試,重點喺合格與否。但發牌方面,保監局會按《指引 23》嘅「適當人選」準則整體評估申請人(包括教育程度、品格、財政狀況等),而實際入行仲要有保險公司或代理/經紀行願意委任你。即係話「考到試」同「攞到牌」係兩道門。

Q:一定要按卷一→卷二/三→卷五順序考嗎?

冇強制次序,技術上可以先考卷三。但卷一嘅保險原則係其他卷嘅基礎,跳過會令後面更難消化,所以實務上建議照順序,而且畀最多時間卷一。

Q:唔合格可以即刻重考嗎?

重考次數不限,但每次都要重新報名繳費。由於成績只顯示及格/不及格、唔會公布錯咗邊幾條,所以重考前唯一可行嘅診斷方法係做大量練習睇自己邊一章最弱。

Q:要溫幾耐?

冇官方建議時數。以我哋題庫用戶嘅實際情況,零基礎者卷一預留 3–4 星期、卷二卷三各 2–3 星期較穩陣;卷五因為涉及大量投資概念,有金融學歷底子者 2–3 星期,零基礎者 5–6 星期。呢啲係經驗值,唔係保證。

Q:強積金(MPF)業務又點?

強積金自 2013 年 5 月 2 日起已經唔屬於 IIQE,要做強積金中介人業務係考獨立嘅 MPFE。即係話舊資料講嘅「IIQE 卷四」已經唔存在。

逐卷詳細攻略

由最難嗰張開始:IIQE 卷一逾 900 題模擬練習

卷一係全部人都要考、亦係五卷之中練習正確率最低嗰張。附答案解析同錯題重溫,免費下載,離線都做得。

考試費、題數、時限、及格分數、試題語言及應考模式引自 PEAK《保險中介人資格考試考試手冊》(2025 年 8 月版);成績有效期、豁免安排及「適當人選」準則引自保險業監管局《指引 23》附件一(《保險業條例》第 41 章)。練習正確率統計自 PickMyQuiz 五個保險 app 內 122,488 條真實作答紀錄,屬練習表現而非考試合格率,兩者性質不同、不可直接比較。考試制度、費用及報名安排以高峰進修學院(PEAK,peak.edu.hk)及保險業監管局(IA,ia.org.hk)公告為準,本文所述金額及規則可能隨官方更新而改變。本題庫為原創模擬練習,不含任何官方試卷內容。

Practice Questions (10)

Questions from the same category. Reveal results after answering.

1. 在保險實務中,某些風險因其發生原因超逾個人或群體操控範圍,且受影響人數極廣,導致商業保險人在財務上難以承擔。若某財產保單將「戰爭、恐怖襲擊及大規模社會動盪」列為除外責任,這主要反映了保險人對下列哪一類風險特性的考量? --- In insurance practice, certain risks occur because their causes are beyond the control of individuals or groups, and the number of people affected is extremely wide, making it difficult for commercial insurers to bear the financial burden. If a property insurance policy lists "war, terrorist attacks and large-scale social unrest" as an exclusion, does this mainly reflect the insurer's consideration of which of the following risk characteristics?

multiple_choice

2. 根據香港《保險業條例》,某獲授權保險人正進行年度合規審查。若該保險人經營的業務類別包含「人壽及年金」以及「永久健康」業務,關於其法定委派精算師的職責履行,下列哪項敘述最為準確且符合法定頻率要求? --- Under the Insurance Ordinance of Hong Kong, an authorized insurer is conducting an annual compliance review. If the business type of the insurer includes "life and annuity" and "permanent health" business, which of the following statements is most accurate and meets the statutory frequency requirements regarding the performance of the duties of its legally appointed actuary?

multiple_choice

3. 在考慮保險公司的財務穩定性與風險管理策略時,關於再保險對原保險人的實質影響,以下哪一項分析最為準確? --- When considering an insurer's financial stability and risk management strategy, which of the following analyzes is most accurate regarding the material impact of reinsurance on the original insurer?

multiple_choice

4. 在香港某工傷賠償案例中,保險人根據保單條款向受傷員工支付了法定補償金後,隨即根據《僱員補償條例》第25條的規定,直接以被保險人(僱主)的名義向一名導致事故發生的疏忽第三方司機發起法律訴訟以追回賠款。關於此追償權利的法律基礎與性質,下列哪項分析最為準確? --- In a certain work-related injury compensation case in Hong Kong, after the insurer paid statutory compensation to the injured employee in accordance with the terms of the policy, it immediately initiated legal action in the name of the insured (employer) against a negligent third-party driver who caused the accident to recover compensation in accordance with the provisions of Section 25 of the Employees' Compensation Ordinance. Which of the following analyzes is most accurate regarding the legal basis and nature of this right to recover?

multiple_choice

5. 在保險實務中,「彌償原則」旨在使受保人恢復至損失前的財務狀況。然而,某些保單條款在執行時會產生「超越彌償」的效果。請根據以下四種理賠情境,選出最符合「超越彌償」定義的一項: --- In insurance practice, the "indemnity principle" aims to restore the insured to the financial position before the loss. However, certain policy provisions will have a "beyond-indemnity" effect when executed. Please select the one that best meets the definition of "beyond indemnity" based on the following four claim scenarios:

multiple_choice

6. 在財產保險的彌償(Indemnity)實務中,假設某受保資產發生部分損失,且該損失金額未超過保單限額。在不考慮比例分攤條款(Average Clause)的前提下,下列哪些保單機制或條款的組合,會導致被保險人最終獲得的賠償淨額「必然」低於其實際遭受的經濟損失? I. 起賠額 (Franchise) II. 免賠額 (Deductible/Excess) III. 棄權條款 (Waiver of Subrogation) IV. 重置價值條款 (Reinstatement Value Clause) --- In the indemnity practice of property insurance, it is assumed that a certain insured asset suffers a partial loss, and the amount of the loss does not exceed the policy limit. Without considering the average clause (Average Clause), which of the following policy mechanisms or combinations of clauses will cause the insured's final net compensation amount to be "inevitably" lower than the actual economic loss he or she suffers? I. Deductible (Franchise) II. Deductible/Excess III. Waiver of Subrogation IV. Reinstatement Value Clause

multiple_choice

7. 在香港的風險管理框架下,關於「基本風險」的特性及其在保險市場的處理方式,下列哪項敘述最為準確且完整? --- Within Hong Kong's risk management framework, which of the following statements is the most accurate and complete regarding the characteristics of "fundamental risks" and their treatment in the insurance market?

multiple_choice

8. 關於保險法中「最高誠信」(Utmost Good Faith) 原則的法律性質及其在實務中的運作,下列哪些組合的描述是完全正確的? i) 該義務屬於主動性義務,投保人不能以保險人未提出具體詢問為由而豁免披露重要事實的責任。 ii) 雖然該原則源於普通法,但保險人可透過保單中的「無爭議條款」或特定措詞,在合約層面限制或修改其行使權利。 iii) 若保險人本身違反此原則(如誤導投保人),法律後果僅限於保險人須向投保人支付懲罰性賠償,而合約本身依然強制有效。 iv) 披露責任的存續期通常在合約成立後即告終止,除非合約條款另有約定或涉及合約內容的重大變更。 --- Regarding the legal nature of the principle of "Utmost Good Faith" in insurance law and its operation in practice, which of the following combinations of descriptions are completely correct? i) This obligation is a proactive obligation, and the policyholder cannot be exempted from the obligation to disclose important facts on the grounds that the insurer has not made specific inquiries. ii) Although this principle originates from common law, the insurer can restrict or modify the exercise of its rights at the contractual level through "non-dispute clauses" or specific wording in the policy. iii) If the insurer itself violates this principle (such as misleading the policyholder), the legal consequences are limited to the insurer having to pay punitive damages to the policyholder, but the contract itself remains mandatory. iv) The duration of the disclosure obligation usually terminates upon the establishment of the contract, unless otherwise agreed upon in the terms of the contract or if there is a major change in the content of the contract.

multiple_choice

9. 在香港法律框架下,關於「簡單合約」與「契據」的法律特徵對比,下列哪項敘述在法律效力與成立要件的綜合分析中是完全正確的? --- Under the legal framework of Hong Kong, regarding the comparison of the legal characteristics of "simple contract" and "deed", which of the following statements is completely correct in the comprehensive analysis of legal effect and establishment requirements?

multiple_choice

10. 在一個極端天氣情況下,某人發現鄰居的一頭名貴牲口受傷且生命垂危,由於電力中斷無法聯絡遠在外地的鄰居。該人隨即聘請獸醫進行緊急手術並支付了高昂醫藥費。事後鄰居對該救助行為表示不滿並拒絕償還費用,聲稱自己從未授權且拒絕承認該行為的法律效力。在這種情況下,該救助者最可能基於哪種法律身份,透過司法途徑成功向鄰居追討費用? --- In one extreme weather situation, someone discovered that one of their neighbor's valuable animals was injured and in critical condition, and was unable to contact their distant neighbor due to a power outage. The man then hired a veterinarian to perform emergency surgery and incurred high medical bills. Afterwards, the neighbor expressed dissatisfaction with the rescue action and refused to reimburse the cost, claiming that he had never authorized it and refused to recognize the legal effect of the action. In this case, based on which legal status is the rescuer most likely to successfully recover fees from the neighbor through judicial channels?

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Practice Questions

From: IIQE 卷一 保險中介人資格考試題庫|唔使再靠雞精

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1
一名車主在交通意外中不幸喪生,其繼承人發現死者生前投保了兩份保單:一份是包含死亡給付的「個人意外保險」,另一份是包含司機死亡權益的「綜合汽車保險」。保險公司在處理賠償時,下列哪項法律原則的綜合應用最為正確? --- A car owner died in a traffic accident. His heirs discovered that the deceased had purchased two insurance policies: one was a "personal accident insurance" that included death benefits, and the other was a "comprehensive auto insurance" that included the driver's death benefits. Which of the following legal principles is the most correct comprehensive application when an insurer handles claims?
A由於汽車保險屬於財產補償保險,根據代位權原則,意外險公司在賠償後可向汽車保險公司追償,故最終僅由一方承擔。 --- Since car insurance is property compensation insurance, according to the principle of subrogation, the accident insurer can recover compensation from the car insurer after compensation, so in the end only one party will bear the responsibility.
B由於人壽及意外死亡保障不適用於補償原則,兩份保單均須全額支付約定的定額賠償,且不涉及分擔原則。 --- Since life and accidental death protection do not apply to the indemnity principle, both policies must pay the agreed fixed compensation in full, and no contribution principle is involved.
C根據防止雙重獲利原則,受益人必須選擇其中一份保額較高的保單索賠,另一份保單則因保險利益重疊而失效。 --- According to the principle of preventing double profit, the beneficiary must choose one of the policies with a higher insured amount to claim, and the other policy will expire due to overlapping insurance benefits.
D兩份保單將根據分擔原則按比例分攤死亡給付金額,以確保受益人所得不超過其實際經濟損失。 --- The two policies will share the death benefit amount proportionally based on the sharing principle to ensure that the beneficiary's income does not exceed his or her actual economic loss.
2
關於保險在風險管理中的地位,下列哪項描述最準確? --- Which of the following best describes the role of insurance in risk management?
A保險與風險管理完全重疊,兩者都能把剩餘風險完全消除。 --- Insurance and risk management completely overlap, and both can completely eliminate residual risk.
B保險是風險轉移及風險融資的一種方法,通常用來處理仍可能造成財務損失的風險。 --- Insurance is a method of risk transfer and risk financing, often used to deal with risks that may still result in financial loss.
C風險管理只是保險合約簽訂後的損害防阻工作。 --- Risk management is only the damage prevention work after the insurance contract is signed.
D保險是風險管理的唯一方法,其他工具如損失防範和損失降低並不重要。 --- Insurance is the only method of risk management and other tools such as loss prevention and loss reduction are not important.
3
一名私家車擁有人在一宗意外中遭受了總計 $15,500,000 的財產與責任損失。其保單條款包含: (i) 每宗事故賠償限額為 $12,000,000; (ii) 每次事故設有 $500,000 的保單免賠額。保險人在扣除免賠額並應用限額後,依法向被保險人支付了最高賠償金額。若保險人隨後成功向導致事故的第三者追回了 $8,000,000 的款項,根據代位權及彌償原則,這筆追回的款項應如何在保險人與被保險人之間進行最終分配? --- A private vehicle owner suffered property and liability losses totaling $15,500,000 in an accident. Its policy terms include: (i) The limit of compensation per accident is $12,000,000; (ii) There is a policy deductible of $500,000 per occurrence. The insurer paid the maximum compensation amount to the insured in accordance with the law after deducting the deductible and applying the limit. If the insurer subsequently successfully recovers $8,000,000 from the third party who caused the accident, how should the recovered money be ultimately distributed between the insurer and the insured under the principles of subrogation and indemnity?
A保險人獲得 $8,000,000,被保險人無權獲得任何款項 --- The Insurer receives $8,000,000 and the Insured is not entitled to any payment
B保險人獲得 $4,000,000,被保險人獲得 $4,000,000 --- Insurer receives $4,000,000, Insured receives $4,000,000
C保險人獲得 $4,500,000,被保險人獲得 $3,500,000 --- Insurer receives $4,500,000 and insured receives $3,500,000
D保險人獲得 $7,500,000,被保險人獲得 $500,000 --- Insurer receives $7,500,000, Insured receives $500,000
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