野村:用户流量為內地線上壽險關鍵 健康險將繼續高增長
野村發表研究報告指,用户流量是內地線上壽險業務的關鍵,而用户流量大的互聯網龍頭將主導市場,因為主要的線上產品已經簡化和標準化。該行預期,以阿里巴巴(9988.HK)和騰訊(0700.HK)為首的互聯網行業龍頭,以及中國平安(2318.HK)等技術授權的保險公司,將於線上壽險市場上脱穎而出。該行又預料,今年至2025年的保費複合年增長率為18%,而2025年的線上壽險滲透率為8.3%。
野村表示,內地線上壽險業的增長在過去幾年一直不穩,主要由於儲蓄型產品對法規和銷售渠道有很高的敏感度。與銀行保險業務一樣,以銷售渠道功能和高收益為主要賣點的線上儲蓄型保險,已得到很好的發展,而頂級的第三方互聯網參與者,可能會獲得市場份額。不過,由於互聯網用户增長緩慢,網上平台逐漸失去其低渠道成本的優勢,加上法規為市場帶來不確定性,認為整體市場將面臨瓶頸。
該行指,在相關法規的支持下,期望長期儲蓄型和保障型的保險在整合線上線下資源,以及增強技術能力方面會取得進展。該行又預料,線上壽險和年金的5年年複合增長率為14%,2025年的線上普及率將達7.6%,並認為線上健康保險將保持較高增長。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.