<p>2020 is a year that we never forget.</p>
<p>No one has expected that the COVID-19 will bring a tremendous impact on our living habits, daily diet and even consumption patterns. At this difficult time, not only do we pay more attention to the health of ourselves and our loved one, but also let us know the importance of insurance protection and technological development.</p>
<p>After more than two years of hard work, ZA team finally obtained a digital-only insurer license from the Insurance Authority of Hong Kong under its Fast Track pilot scheme in May this year and officially launched our insurance platform ZA Insure to the market today. Under this epidemic circumstance, we hope our digital-only insurance platform can bring you convenient, popular and personal insurance options.</p>
<p>Our goal is to make "insurance that everyone can afford". Therefore, we will fully apply ZA&rsquo;s self-developed eKYC (Electronic Know Your Customer) technology to our 24/7 underwriting process, substantially reducing the time required for purchasing coverage. With no physical store, our premium can be as low as HK$2* per year, making insurance a product that everyone can easily afford.</p>
<p>At the same time, we are adopting a "community-driven" approach with the aim to identify pain points that remain to be resolved in the current insurance market. We know that cancer is the deadliest disease in Hong Kong, and some people have not been protected by cancer insurance because of their family medical history. "ZA Cancer Protection" does not need you to declare family medical history. We have also launched "ZA Heart Attack and Stroke Protection", HK&rsquo;s first stand-alone heart attack and stroke insurance product to provide flexibility and protection for the two major urban diseases at affordable premium level.</p>
<p>ZA has always been aiming to build an integrated financial platform together with ZA Fam. I am very grateful to ZA Fam for their continuous support and suggestions so that ZA Insure can follow the step of ZA Bank team and, after building the first virtual bank in Hong Kong, create a new digital-only insurance platform that meets the needs of users.</p>
<p>Let&rsquo;s be different together.</p>
<p>* Based on HK $ 100,000 premiums and 18-year-old non-smoking female, ZA Heart Attack and Stroke Protection</p>

[ZA Insure] We are finally here!

【ZA Insure】We are finally here!

<div data-pm-slice="0 0 []" data-en-clipboard="true">The pandemic outbreak may cause everyone uncertainty and anxiety &ndash; we share your feelings. But don&rsquo;t worry as we&rsquo;re in this together. 💚 To support each other in the community, we&rsquo;re launching a number of #StaySafe 2.0 activities today.</div>
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<div><strong>💪 #StaySafe 1st step: Protection</strong></div>
<div>From now till 28 Feb, you can enjoy the following protection by applying for any insurance products with promo code &lsquo;STAYSAFE&rsquo; in the ZA Bank App, with an annual payment plan of HKD 600 of above:</div>
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<div><img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/e5789fd5-1aa2-4d61-a092-ce3b08bad124/9c22d769-1668-4420-af78-776b6836a3d1/MicrosoftTeams-image (82).png" alt="" width="385" height="181" /></div>
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<div><strong>1️⃣ Two rapid antigen test kits<span style="font-weight: normal !msorm;"><sup>1</sup></span> (worth HKD 336)</strong></div>
<div>The test kits will be delivered to your door upon successful purchase. First-come-first-serve basis and while stock lasts.</div>
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<div>DEEPBLUE COVID-19 Rapid Antigen Test Kit<sup>2</sup></div>
<div>✅ Passed EU CE1434 Certification</div>
<div>✅ Detect 99.9% of known variant of coronavirus (including Omicorn / Delta variant)</div>
<div>✅ Get the result in 15 mins</div>
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<div><strong>2️⃣ Up to HKD 20k ZA Relief Fund<sup>3</sup></strong></div>
<div>If you&rsquo;re diagnosed with COVID-19, you&rsquo;ll get an emergency aid of HKD 20,000.</div>
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<div>The application can complete within 3 minutes<sup>4</sup>&nbsp;in the ZA Bank App, and body check is not required. More #StaySafe 2.0 activities are on the way &ndash; stay tuned and safe.</div>
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<div><span style="font-size: 11px;"><sup>1</sup>From now till 28 February 2022, customer can get two free DEEPBLUE antigen test kits and free delivery service once by entering the promo code 'STAYSAFE' and applying for ZA Life Protection, ZA Cancer Protection or ZA Heart Attack and Stroke Protection with annual premium of HKD 600 or above and in annual payment mode. The test kits will be sent to customer's residential address within 14 days after policy is effective. <a href="https://bank.za.group/agreement/html/en_US/1000487" target="_blank" rel="noopener">T&amp;C</a> apply.</span></div>
<div><span style="font-size: 11px;"><sup>2</sup> Information of the test kits is extracted form DEEPBLUE official website: <a href="https://www.dbluemedical.com" target="_blank" rel="noopener">https://www.dbluemedical.com</a></span></div>
<div><span style="font-size: 11px;"><sup>3 </sup>ZA Relief Fund is set up by ZA International (ZhongAn Technologies International</span></div>
<div><span style="font-size: 11px;">Group Limited) and managed by its non-profit subsidiary ZA Care Limited. Applicants should be confined or confining at a hospital in the HKSAR. <a href="https://cdn.zaticdn.com/if/zaif-cps-seagull-service/20220125/ZA_Insure_policyholder_Relief_Fund_flyer_2022_EN_10397.pdf" target="_blank" rel="noopener">T&amp;C</a> apply.</span></div>
<div><span style="font-size: 11px;"><sup>4</sup> The actual completion time varies across individuals. In general, provided that all required information is in order, an applicant can complete the application within 3 minutes.</span></div>

Free rapid antigen test kits for you 

💪 Free rapid antigen test kits for you 💁‍♀️

<p>[2023 Investment Outlook] As the global markets are confronting risks arising in the economic recession, investors are wary about the rate hikes by the U.S. Fed. Against such a backdrop, how should they plan for the 2023 investment strategies amid a volatile stock market? ZA Bank hosted an exclusive seminar for our users on 5 November and invited Mr. Nixon Mak, Managing Director, Head of HK Pensions and Solutions Strategist, Asia Pacific, <strong>Invesco</strong>, to share the investment outlook for 2023.</p>
<p>Invesco is one of the most experienced investment firms in the Asia Pacific. It has comprehensive geographical coverage with offices in Australia, China, Hong Kong, India, Japan, Singapore, South Korea, and Taiwan. As of 30 June 2022, it managed USD 1.4 trillion of assets globally with an on-the-ground presence in more than 20 markets<sup>1</sup>.</p>
<p>&nbsp;</p>
<p>In the seminar, Nixon shared Invesco&rsquo;s 6 investment outlooks that we can&rsquo;t miss</p>
<p>&nbsp;</p>
<p>⭐ 2023 Investment Outlook 1. Developed market stock</p>
<p>Developed market stocks are facing headwinds from valuation followed by lower earning growth.</p>
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<p>⭐ 2023 Investment Outlook 2. Japanese equities</p>
<p>Japanese equities are relatively less expensive but global growth will have an impact.</p>
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<p>⭐ 2023 Investment Outlook 3. Asian stocks</p>
<p>Asian stocks are sensitive to US interest rates, but reopening is supportive.</p>
<p>&nbsp;</p>
<p>⭐ 2023 Investment Outlook 4. HK-China equity</p>
<p>HK-China equity is attractive relative to DMs but lacks a driver.</p>
<p>&nbsp;</p>
<p>⭐ 2023 Investment Outlook 5. Fixed income asset (non-high yield)</p>
<p>Fixed income asset (non-high yield) is increasingly relatively attractive than early this year.</p>
<p>&nbsp;</p>
<p>⭐ 2023 Investment Outlook 6. Cash</p>
<p>Cash is the most defensive asset to cushion volatility in this environment.</p>
<p>&nbsp;</p>
<p>While there is no myth of an eternal rise, cyclical changes are always there. In 2023, don&rsquo;t forget to preserve your wealth before achieving a steady growth for your money.</p>
<p>&nbsp;</p>
<p>Apart from buying stocks and fixed income, you can also consider savings insurance, such as the ones provided by ZA Bank, as a wealth management tool.</p>
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<p>Go to the Wealth tab and then the Insurance tab to learn more!</p>
<p>&nbsp;</p>
<p>More fantastic events are coming soon. Stay tuned for our updates!</p>
<ol>
<li>Source: Invesco Hong Kong website https://www.invesco.com/hk/en/about-us/who-we-are.html</li>
</ol>