Our Course Programmes
Three Programmes, One Clear Direction
From a four-week introduction to insurance categories through to a ten-week programme integrating coverage with retirement and estate planning — each course is designed for a specific stage of the review process.
← Back to HomeOur Teaching Approach
Each Orchid Vault programme follows the same underlying method: begin with the vocabulary and structural logic of the product category, move to the actual documentation that participants hold, and arrive at a practical output — a set of questions, a structured review, or a consolidated plan — that has use beyond the classroom.
Sessions are built around reading and discussion rather than passive delivery. Between sessions, participants work through structured exercises using their own policy documents. Facilitators are present to guide interpretation but do not advise on specific decisions, which remain within the proper domain of licensed professionals.
The three programmes are designed to be taken in sequence over one to two years, though each stands independently for participants who already have grounding in the earlier material.
Insurance Fundamentals for Midlife
A four-week course covering the main kinds of insurance that matter to Hong Kong residents in their 40s and 50s: term and whole life, critical illness, medical, and disability income. The focus is on what each kind of cover does and does not do, how to read a benefit illustration, and the common points of confusion between savings-linked products and pure protection. No specific products are recommended.
Programme outline
- 1.Term versus whole-life: what the structures actually provide
- 2.Critical illness cover: categories, triggers, and exclusions
- 3.Medical insurance: indemnity versus scheduled benefit
- 4.Reading a benefit illustration: figures, projections, and limitations
Policy Review Workshop
A six-week programme for those who already hold a mix of policies — often accumulated over two or three decades — and want to review them with a clear eye. Topics include how to request and read a policy summary from your insurer, cost-benefit comparison across long-held policies, considerations before surrendering or paid-up decisions, and how to think about gaps against current life circumstances. Participants work through a structured review of their own coverage.
Programme outline
- 1.Requesting policy summaries: what to ask your insurer
- 2.Interpreting surrender values and paid-up projections
- 3.Comparing cost and benefit across multiple policies
- 4.Identifying gaps relative to current circumstances
- 5.Documenting findings and preparing for an adviser conversation
- 6.Structured review session using participant documents
Coordinated Insurance & Retirement Planning
A ten-week programme that integrates insurance planning with retirement and estate thinking. Modules cover the role of medical insurance as one ages, long-term care cover where available, the interaction between life insurance and estate liquidity, and the decisions involved in reducing or restructuring coverage in later life. Participants leave with a written, consolidated coverage plan.
Selected modules
- Medical cover as a function of age and health status
- Long-term care: what is available in Hong Kong and what is not
- Life insurance, estate liquidity, and legacy intent
- Restructuring and reducing coverage in later life
- Retirement income timing and insurance interaction
- Producing a written, consolidated coverage plan
Choosing the Right Programme
Use this guide to identify which course is best suited to where you currently are in your thinking about coverage.
| Consideration | Fundamentals HKD 1,680 |
Policy Review HKD 2,580 |
Retirement Integration HKD 3,120 |
|---|---|---|---|
| New to insurance terminology | — | — | |
| Holds multiple older policies to review | — | — | |
| Approaching retirement planning | — | — | |
| Wants written output at course end | |||
| Works with own policy documents | |||
| Covers estate and legacy considerations | — | — |
Standards Applied Across All Programmes
Participant Privacy
Policy documents used in workshop settings remain confidential. No personal insurance data is recorded or retained by facilitators.
No Sales, No Referrals
No course content recommends, implies a preference for, or generates referral income from any insurance product or financial service provider.
Annual Content Review
Materials are reviewed and updated each year to reflect regulatory developments and changes in commonly held product types in Hong Kong.
Capped Cohort Sizes
A maximum of ten participants per cohort is maintained across all programmes, without exception, to preserve the quality of discussion.
Education-Focused Outcomes
Each programme ends with a concrete, practical document for the participant — not a certificate of completion, but a working output they can use.
Clear Professional Boundaries
Where a participant's questions move into territory that requires regulated advice, facilitators say so clearly and can provide guidance on finding an appropriate professional.
Not Sure Where to Start?
We are happy to help you think through which course fits your current position. A brief conversation is enough to make that clear — no commitment needed.
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