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

PickMyQuiz
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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. 在保險中介法律關係中,若一名代理人在未獲授權的情況下代表某保險公司簽署了保單,而該保險公司在知悉所有關鍵事實後,決定接受該筆業務並簽發保單。關於此法律行為所產生的代理關係及其法律後果,下列哪項描述最為準確? --- In the legal relationship of an insurance intermediary, if an agent signs a policy on behalf of an insurance company without authorization, and the insurance company decides to accept the business and issue the policy after knowing all the key facts. Which of the following is the most accurate description of the agency relationship arising from this legal action and its legal consequences?

multiple_choice

2. 根據現行《保險業條例》下的法定監管架構,若一家公司欲在香港以保險經紀公司身分進行受規管活動,並代表投保人或潛在投保人磋商或安排保險合約,須由哪一個實體負責發牌及持續監管? --- According to the current statutory regulatory framework under the Insurance Ordinance, if a company wishes to carry out regulated activities as an insurance brokerage company in Hong Kong and negotiate or arrange insurance contracts on behalf of policyholders or potential policyholders, which entity must be responsible for licensing and ongoing supervision?

multiple_choice

3. 在保險合約法律原則的框架下,若要區分「一般誠信」 與保險特有的「最高誠信」,下列哪一項關於一般誠信下「陳述真實性」與「披露義務」的描述最為準確? --- Within the framework of the legal principles of insurance contracts, if we want to distinguish between "general good faith" and the "highest good faith" specific to insurance, which of the following is the most accurate description of "truth of statements" and "obligation of disclosure" under general good faith?

multiple_choice

4. 在處理一宗複雜的保險索償時,若損失是由一系列連續發生且未中斷的事件鏈所引起,而該鏈條的開端是受保危險,但中間介入了一個非受保(Uninsured)但不屬於除外(Excluded)的因素,最終導致損失。根據近因原則的法律解釋與應用,下列哪項描述最準確地反映了保險人的賠償責任判斷邏輯? --- When dealing with a complex insurance claim, if the loss is caused by a series of consecutive and uninterrupted event chains, and the beginning of the chain is an insured hazard, but an uninsured but not excluded factor intervenes in the middle, eventually leading to the loss. According to the legal interpretation and application of the principle of proximate cause, which of the following descriptions most accurately reflects the logic of the insurer's liability judgment?

multiple_choice

5. 某受保人家居發生火災,其已使用5年的電視機受損。該電視機購入價為$8,000,同型號新機市價為$10,000。經估計,電視機的折舊率為50%,而維修費用需$5,000。若保險人在不考慮免賠額的情況下,最終支付了$5,000的賠款,且該賠付金額並未因財產的實際現金價值(Actual Cash Value,ACV)低於重置成本而受到扣減,則該保單最可能包含下列哪項條款? --- A fire broke out at the insured's home, and his 5-year-old TV was damaged. The purchase price of this TV is $8,000, and the market price of a new model of the same model is $10,000. It is estimated that the depreciation rate of the TV is 50%, and the repair cost is $5,000. If the insurer ultimately pays a $5,000 benefit without considering the deductible, and the benefit is not reduced because the actual cash value (ACV) of the property is less than the replacement cost, which of the following provisions is most likely to be included in the policy?

multiple_choice

6. 根據《保險業條例》中有關公職人員保密義務的條文,保險業監管局在行使法定權力時,必須對個別保險人的事務資料嚴格保密。在下列哪一組情境中,保監局在「未獲得該保險人事先同意」的情況下,依法「不具備」拒絕披露相關資料的絕對抗辯權? --- According to the provisions of the Insurance Ordinance regarding the confidentiality obligations of public officials, the Insurance Regulatory Authority must strictly keep confidential the business information of individual insurers when exercising its statutory powers. In which of the following situations does the Insurance Regulatory Authority "not have" the absolute right of defense to refuse to disclose relevant information "without the prior consent of the insurer"?

multiple_choice

7. 保險人所運用的「風險管理」,其核心目標與下列哪項描述最為吻合? --- Within the operating framework of general insurance business, when an insurer implements a "risk management" strategy, its core ultimate goal is most consistent with which of the following descriptions?

multiple_choice

8. 在評估財產保險的可保權益時,法律要求投保人與保險標的之間必須存在法定的財務利害關係。根據此原則,下列哪一項情境所描述的權利或關係,在法律上「並非」構成財產可保權益的必要組成部分? --- When assessing the insurable interest in property insurance, the law requires that there must be a legal financial interest between the policyholder and the subject matter insured. According to this principle, which of the following scenarios describes a right or relationship that is not legally a necessary part of an insurable interest in property?

multiple_choice

9. 在香港保險市場中,某保險公司研發了一款具備創新保障條款的產品。考慮到保險產品不具備專利保護的特性,以及市場參與者對新產品的反應速度,關於該產品「具競爭力的壽命」,下列哪項分析最為準確? --- In the Hong Kong insurance market, an insurance company has developed a product with innovative protection terms. Considering the non-patented nature of insurance products and the speed with which market participants respond to new products, which of the following analyzes is most accurate regarding the "competitive life" of this product?

multiple_choice

10. 就人壽保險而言,可保權益一般須在何時存在? --- For life insurance, when must insurable interest generally exist?

multiple_choice

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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在處理一份涉及高額儲蓄成分的人壽保險申請時,保險代理人注意到申請人為一名 15 歲且具備獨立收入的青少年,但該申請書上並無任何法定監護人的副署。若該合約因法律瑕疵而被視為「不可強制執行」或「可撤銷」,根據香港合約法及保險實務,這主要是因為該法律關係在形成過程中缺乏了哪項關鍵要素的完全法律效力? --- While processing a life insurance application involving a high savings component, the insurance agent noticed that the applicant was a 15-year-old with an independent income, but the application was not countersigned by any legal guardian. If the contract is deemed "unenforceable" or "voidable" due to legal defects, according to Hong Kong contract law and insurance practice, this is mainly because the legal relationship lacks the full legal effect of which key element in the formation process?
A合約目的之合法性:因未成年人參與商業投資受成文法規限制 --- Legality of the purpose of the contract: Minors’ participation in commercial investment is restricted by statutory regulations
B具備價值的代價:因未成年人支付的保費在法律上不被視為有效對價 --- Valuable consideration: Premiums paid by minors are not considered valid consideration in law.
C訂約的行為能力:因未成年人訂立非必要品合約時其法律地位受限 --- Capacity to contract: Because a minor’s legal status is limited when entering into a contract for non-essential goods
D受法律約束的意圖:因監護人缺席導致推定意圖失效 --- Intention to be bound by law: Presumptive intention invalidated by absence of guardian
2
某金融控股集團同時經營銀行業務與一般保險業務。在評估其「非保險金融服務部門」與「保險部門」的風險管理範疇時,下列關於風險特性的描述與處理邏輯,何者最能體現銀行及其他金融服務領域在風險管理上的核心差異? i) 銀行部門主要處理具有獲利可能性的風險,而非僅限於純粹風險。 ii) 避險工具主要用於抵銷與市場波動相關的投機風險。 iii) 保險部門與銀行部門均將「防範風險」視為一種風險本身的分類。 iv) 銀行部門的風險管理重心在於處理那些不具備獲利潛力、僅導致損失的風險。 --- A financial holding group operates both banking business and general insurance business. When evaluating the risk management scope of its "non-insurance financial services sector" and "insurance sector", which of the following descriptions and processing logic of risk characteristics best reflects the core differences in risk management between banks and other financial services sectors? i) The banking sector deals primarily with risks that have the potential to make a profit and not just pure risks. ii) Hedging instruments are primarily used to offset speculative risks associated with market fluctuations. iii) Both the insurance sector and the banking sector regard "risk prevention" as a classification of risk itself. iv) Risk management in the banking sector focuses on dealing with risks that have no profit potential and only result in losses.
A僅 i, iii --- only i, iii
B僅 i, ii --- only i, ii
C僅 ii, iv --- only ii, iv
Di, ii, iii, iv
3
在比較人壽保險與一般財產保險的合約法律特性時,人壽保險通常被視為「不可撤銷合約」(Non-cancellable contract)。若某保戶在持有保單十年後健康狀況大幅惡化,且該保單包含保證續保條款,這項「不可撤銷性」對保險公司的精算風險管理及保戶權利會產生何種綜合影響? --- When comparing the contract legal characteristics of life insurance and general property insurance, life insurance is usually regarded as a "Non-cancellable contract". If a policyholder's health condition deteriorates significantly after holding a policy for ten years, and the policy contains a guaranteed renewal clause, what comprehensive impact will this "irrevocability" have on the insurance company's actuarial risk management and the rights of the policyholder?
A保險公司因無法因風險增加而解除合約,故有權在續保時根據被保險人當時的健康狀況重新評估並調整個人保費費率。 --- Since the insurance company cannot terminate the contract due to increased risks, it has the right to reassess and adjust individual premium rates based on the insured's current health status when renewing the policy.
B由於合約具不可撤銷性,保戶在任何時間點終止合約時,皆有權要求保險公司退還等同於總繳保費之金額,以體現合約的長期價值。 --- Since the contract is irrevocable, the policyholder has the right to require the insurance company to refund an amount equal to the total premium paid when the contract is terminated at any point in time to reflect the long-term value of the contract.
C保險公司必須在保戶按時繳費的前提下承擔持續惡化的風險,且除非合約另有約定,否則不得僅因被保險人風險狀況改變而單方面終止或修訂保障條款。 --- Insurance companies must bear the risk of continued deterioration on the premise that policyholders pay premiums on time, and unless otherwise agreed in the contract, they may not unilaterally terminate or amend the protection terms simply because the insured's risk profile changes.
D此特性僅適用於保單的前兩年「不可爭議期」,兩年後若發現保戶健康惡化,保險公司仍可引用誠信原則行使合約取消權。 --- This feature only applies to the "non-disputable period" of the first two years of the policy. If the policyholder's health is found to have deteriorated after two years, the insurance company can still exercise the right to cancel the contract based on the principle of good faith.
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