The company continuously optimises the customer journey across four key stages of Learn, Buy, Service, and Claims.

• Learn and Buy: Blue Cross empowers customers to make informed protection decisions by providing practical insurance education at customer touchpoints, backed by a portfolio of flexible, innovative, and competitive products designed to meet their evolving needs in travel, home, domestic helper, and motor insurance.
• Service: Blue Cross is committed to digitalisation and automation in service delivery. The company aims to integrate AI technology at every touchpoint to provide comprehensive support – from frontline services via platforms like BlueCross+ and SuperAgent+ to backend systems. This integrated approach fosters a seamless customer experience by expediting quote generation and enabling instant policy issuance.
• Claims: The company has streamlined claims handling for customers through Blue Cross One, a backend operations platform using AI and Optical Character Recognition (OCR) technologies to enhance data accuracy and significantly accelerate the entire process.

These product and service innovations have driven multiple recent successes. Blue Cross has not only significantly outpaced the market in business performance, but has also received prestigious recognition from the Hong Kong Federation of Insurers – being named a top-three finalist for both "Outstanding Claims Management Award (General Insurance)" and "Excellence in Digital Transformation Award (General Insurance)". Moreover, Blue Cross ranked first in the Net Promoter Score (NPS)¹ survey among general insurance companies with similar business focus and comparable distribution channels.

According to the latest provisional statistics for Hong Kong's general insurance business in the first half of 2025 released by the Insurance Authority, Blue Cross outperformed the market across several key metrics:

• Overall gross written premiums grew by 24.0% year-on-year, surpassing the market growth of 11.1%².
• Non-medical business maintained strong momentum, with gross written premiums rising 26.3% year-on-year, far exceeding the market average of 5.5%³. This growth was primarily driven by Employees' Compensation, Property, General Liability, and Motor insurance.
• Medical business also recorded robust growth, with gross written premiums increasing by 23.3%, outperforming the market average of 20.5%⁴.

Ms. Bonnie Tse, Chief Executive Officer of Blue Cross, said, "Blue Cross achieved outstanding results in the first half of 2025, with growth in both medical and non-medical business outperforming the market. This remarkable performance stands as a testament to our effective strategy and reflects the invaluable support of our customers. Coupled with recent industry awards, these achievements motivate us to continue enhancing our brand, products and services. We will further expand the application of AI technology across the customer journey, aiming to deliver even more caring, convenient, and seamless services. Moving forward, we will continue to prioritise our 'just right' approach, striving to optimise products and services to address different customer pain points and meet their diverse needs in terms of protection, timing and budget. This will further solidify Blue Cross' leading position in the general insurance market."

Notes:

1. The Net Promoter Score (NPS) survey is conducted annually by an independent market research agency through online questionnaires, interviewing more than 1,100 customers of Blue Cross and other key medical and general insurance companies.
2. Source: Insurance Authority's Provisional Statistics on General Business (direct business) from January to June 2024 and 2025, excluding Mortgage Guarantee.
3. Source: Insurance Authority's Provisional Statistics on General Business (direct business) from January to June 2024 and 2025, non-medical business, all business excluding Group Medical, Individual Medical and Mortgage Guarantee.
4. Source: Insurance Authority's Provisional Statistics on General Business (direct business) from January to June 2024 and 2025, including Group Medical and Individual Medical.

Disclaimers:

• This press release is for distribution in Hong Kong Special Administrative Region only. The distribution of this press release is not and shall not be construed as an offer to sell or a solicitation to buy or a provision of any insurance product outside Hong Kong Special Administrative Region.
• Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.

Hashtag: #BlueCross

The issuer is solely responsible for the content of this announcement.

Blue Cross (Asia-Pacific) Insurance Limited

Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross") is a subsidiary of AIA Group Limited. With over 50 years of operational experience in the insurance industry, Blue Cross provides a comprehensive range of products and services including medical, travel and general insurance, which cater to the needs of both individual and corporate customers. Blue Cross distributes its products through various channels, including AIA agency force, online platform, direct sales, BEA network, insurance agents and brokers, as well as travel agencies.

In 2024, Blue Cross is assigned financial strength rating of A+ (stable outlook) and issuer credit rating of A+ (stable outlook) by S&P Global Ratings.

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