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惠誉:武汉肺炎疫情致理赔增加及保费增速放缓 影响盈利能力
阿思达克 02-06 10:39

评级机构惠誉预计,最近爆发的新型冠状病毒感染疫情将在短期内令中国保险公司的盈利能力承受一定压力,惟认为盈利压力可控。报告指,疫情短期内将抑制寿险和非寿险公司的业务及保费增长,交通及经济活动减少将导致新保单销售量下降,在人们减少互动来最大程度降低感染机率的情况下,代理渠道将尤其受到影响。

惠誉预计,众多制造工厂和店铺歇业,将导致非寿险公司的营业中断。全城隔离、停飞来往中国的国际航班等限制性防疫措施所导致的出游人数减少,将令旅游保险理赔大幅增加,并令该业务的保费骤减。由於理赔增多、保费增速放缓及低利率导致的投资收益率下降,短期内中国寿险公司的盈利将走弱。

不过报告亦指出,长远来看,公众对健康保险重要性的意识将会大幅提高,将促进保险公司持续转向利润率更高的健康保险业务。惠誉表示,一直关注事态的发展,以评估是次疫情可能对受评中国寿险和非寿险公司信用状况产生的影响。

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