All the insurance products offered on this website are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG") with branch operations in Hong Kong and Macau. MSIG is a licensed general insurer authorized and regulated by the Commissioner of Insurance of the Hong Kong SAR and the Monetary Authority of Macao of the Macau SAR. Insurance products offered by MSIG are only available for subscription by residents of Hong Kong SAR or Macau SAR, subject to the terms and conditions of each product.