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高盛:武漢肺炎內地保險索賠有限 限制個人遊短期影響新業務銷售
格隆匯 01-29 11:15
高盛發表報告指,自中國爆發新型冠狀病毒,投資者一直關注對人壽險企帶來的潛在影響,該行並未考慮病毒爆發的進展,但留意到受惠政府提出的支援措施,認為友邦保險(1299.HK) 及內地險企在醫療費用理賠上所受影響有限,但估計叫停“ 自由行 ”將影響保單銷量,並短暫影響本地客及訪港旅客的新業務銷售。
對內地險企而言,該行相信在理賠層面的直接影響將有限,因為新型冠狀病毒並未被大部分重大疾病保單所覆蓋,相關保單佔整體健康險市場約六成,此外政府早前亦宣佈除社保保障範圍外,將為感染武漢肺炎病人提供額外補貼,相信亦可助險企減少潛在醫療開支。但短期銷售或有機會受重大影響,相信客户暫時將抗拒與經紀會面,但料病毒爆發將增加客户對醫療保障空隙的瞭解將增加。
而對香港險企而言,高盛指出中央應港府要求將叫停“ 自由行 ”,另外加上早前叫停訪港旅行團,據港府稱個人遊佔訪港旅客約五成,旅行團佔兩成,而其餘則為商務及探親,根據相關數字該行估計叫停“ 自由行 ”將對內地客來港買保險帶來重大影響,此外相信本地客銷售亦會受阻,因為客户將較抗拒與經紀會面。
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