保監局:香港首季毛保費總額達1,650億元 按年增10.9%
保監局公布今年首季香港保險業的臨時統計數字。期內,毛保費總額達到1,650億元,按年上升10.9%。
在今年首季,有效長期業務的保費收入總額為1,467億元,上升11%,主要包括個人人壽及年金(非投資相連)業務,其保費收入為1,244億元,上升7.3%;個人人壽及年金(投資相連)業務,其保費收入為64億元,下跌2.7%;以及退休計劃業務,其供款為139億元,上升72.7%。
另一方面,期內長期業務(不包括退休計劃業務)的新造保單保費為351億元,下跌27.5%,主要包括個人人壽及年金的非投資相連業務,其新造保單保費為325億元,下跌28.8%;以及投資相連業務,其新造保單保費為25億元,下跌6.2%。
合資格延期年金保單自2019年4月推出後的一年內,保險公司截至2020年3月底為止共出售約13.3萬份保單,保費共94億元。投保人的平均投保年齡為47.5歲,每份保單的平均年度保費約為7.1萬元。就2020年首季而言,單季共出售超過3.6萬份保單,涉及新造保單保費達25億元,佔個人業務總額的7.3%。
由內地訪客帶來的新造保單保費為54億元,下跌57.7%,佔個人業務總額15.5%。為了控制2019冠狀病毒疫情而實施的限制跨境人流措施,導致首季保費錄得單季27%的跌幅。危疾、終身壽險及醫療產品仍是主要保險產品,分別佔內地訪客新造保單48%、37%和4%。約98%內地訪客新造保單為非整付保費保單,即保費非以一筆過模式支付。
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