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《大行报告》中银国际:内险今年迎新旧产品切换年 料行业「价格战」或不再来
阿思达克 07-06 11:38
中银国际近日发表报告表示,就中国保险协会联合中国医师协会发布二次重疾定义微求意见,本源上解决理赔争议,指内险行业静待重疾定义及配套发生率出台,认为2020年注定是保险行业新旧产品切换年,指有益於解决重疾险疾病定义中一些界定模糊、容易产生争议的表述,减少理赔纠纷,而二版徵求意见稿将三种主要高发轻症理赔上限调整至30%,行业「炒停售」行为受到抑制,有效避免了「谣传炒停售」的行为,并且有效缓解消费者紧张情绪,顺利设置监管定义及重疾发生率的「过渡期」。

该行指,新增大湾区专属经验发生率表,地区保费差异化或在路上,认为国家政策利好大湾区,促进粤港澳保险业融合。监管鼓励符合条件的保险公司推出大湾区专属产品,促进粤港澳保险产品互认互通;大湾区有望成为地区经验分化试点。粤港澳地区中香港地区重疾险一直享有更低疾病发生率(较中国大陆地区)、重疾险早期现金价值低导致的定价低、产品种类丰富(分红型、万能型及投连型)以及多币种保单。未来以粤港澳大湾区为保险产品试点,逐步在全国范围内推广分地区经验率设定,有利於分区域降低保险产品价格。

中银国际指,由於短期「炒停售」的行为被第二次重疾定义徵求意见稿抑制,并且在重疾发生率下调後,原有中小险企产品的价格调整空间进一步被压缩,行业「价格战」或不再来,内险行业的重疾险注定在下半年要进行全面的革新。

此外,该行表示,内地寿险於今年首五个月实现原保费收入13,635亿人民币按年增长2.9%,保持正增长趋势,较前1月保费增速上涨1.4个百分点;5月单月同比增速为16.4%,疫情影响消除,连续两个月保费正增长,行业保费增速持续修复。目前行业内静待新的疾病定义使用规范正式定稿,以及配合新的重疾发生率同步出台。预计将在7月底至8月初,配套重疾定义及重疾发生率有望出台。(wl/a)

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