Our Role & Services

Our Role

Cosmos can provide suitable solutions customized for each client’s issues related insurance

What kind of Insurance we need?Is the current coverage is sufficient?Who is the best insurer for us?How to judge if our premium is reasonable?How to handle the claim case?


We act on behalf of client, negotiate with the insurer with the

client's benefit as the top priority.

Our Services

We provide client-focused "comprehensive services" such as consulting, brokerage, and claims services by negotiating with related parties on behalf of the client, advice based on risk analytics to help reduce our clients' risk.

Related partiesPurpose
Trustee/ Financial CompanyMPF, Pension , Reserves,
Insurance CompanyConditions, Underwriting
Surveyor/Loss AdjusterIn case of loss
Reinsurance BrokersWhen the risk is not able to cover by one insurer. Special risks
Reinsurance Companies

   Provide latest market information

   Find best solution for the client as client’s agent

   Multi language support (Japanese, Cantonese, English, Mandarin)

   Insurance analysis

   Insurance proposal

   Negotiation with Underwriter (Insurer)

   Claim services

   Consulting Service for Employee’s Benefit

   Group Medical・Group Life Insurance, Pension Scheme

   Medical Check Up

We provide clients with the full range of insurance services, including advice on insurance placement, the claim settlement, and arrangement of specialty insurance such as Professional Indemnity, Credit and Product Recall Insurance.

Insurance Analysis

  • Sufficient insurance cover against latent risks ?
  • Reasonable premium? Suitable conditions? (Collecting and Comparing the most up-to-date information)
  • Efficiency of your insurance administration?

Insurance Proposal

  • Planning of necessary cover and conditions
  • Planning of comprehensive management and minimization of your work load
  • Choice of Underwriter

Negotiation with Underwriter (Insurer)

  • Reliability of Underwriter?
  • Flexibility with client’s request?
  • Ability of the claim settlement?

Claim Services

  • Assisting our clients with the preparation of the submission of the required claim documentation
  • Timely and expert advice on claims matters
  • Representing our clients in discussions with insurers, loss adjusters and other parties in connection with the claim
  • Experienced claims resources to understand your needs and assistance in loss prevention and loss control

We provide you with the consultation and application services on review and establishment of your Medical Scheme, and Pension & Retirement Scheme. We handle more than 200 Employee’s Benefit Scheme in Hong Kong.

Group Medical・Group Life Insurance, Pension Scheme

  • Provision of the Analysis Report/Proposal/Scheme Comparison/Time Schedule
  • Preparation for a briefing session for employees (e.g. Briefing Material, etc.)
  • Negotiation with Underwriter/Trustee
  • Application Support for the introduction of employee’s benefit
  • Provision of Market Information for Medical & Life Insurance/Pension

Medical Check Up

  • Management of reservation for Annual Medical Check Up, Vaccination
  • Management of the result of Medical Check Up, Translation Service
  • Negotiation with Medical Check Up Centre (e.g. Price, Improvement of service)
  • Collection and Provision of Market Information