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惠誉指通用电气医保风险高危
阿思达克 08-21 15:08

信贷评级机构惠誉发表报告指,在16间於长期医保问题上风险最高的保险公司中,美国通用电气保险分支排名第二,仅次於2004年从通用电气分拆的Genworth。

惠誉分析指,通用电气大部份保单是在长期医保成本认知欠佳时订立,大部分保险政策提供终身福利,部分更保留通胀保障条款。若综合计算,通用电气保险的医保组合远较同业更具风险。按列帐基准,通用电气保险只有10亿美元资本。虽然母公司通用电气曾经注资,但没有被惠誉计算,以便和同业作出比较。

报告指通用电气保险及其他保险公司未作足够拨备,填补长期医保的损失,情况不正常地危险,因成本具波动性及在利率变化时变得脆弱。即使相比通用电气采取更保守做法及拨备更多金钱的保险公司,亦未能避过损失。

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