张云正:新冠疫情为保险业界作结构性改进独特机会
保险业监管局行政总监张云正在金融科技论坛上表示,虽然保险业界的运作受到疫情干扰,但仍看到有一些正面的反馈,留意到保险业因而改变产品结构,以应对市场对个人健康风险的关注,亦引导大众关注退休及医疗保健的社会需求,并采用科技技术来实现虚拟投保。这些及时的举措反映出保险科技是加强金融包容性及收窄监管差距的主要动力,而基於本地需求所出现的产品多样性,亦有利於保险业稳定及持续发展。
他续指,新冠疫情可视作是保险业作结构性改进的独特机会。数字化转型的常见阻碍是惯性,而「新常态」却从根本上改变客户的心态。尚有待完成的工作是强化前线保险从业员的能力,并提供基础设施以加快发展速度。
考虑到这些因素,当局自2月份起推出第二阶段临时便利措施,让大众可以在9月底止通过遥距方式购买一系列保险产品。在临时便利措施之下,累计达成19,000份保单,涉及3亿元新保费。数据亦显示,这一组投保人的年龄层较低,反映保险科技的替代分销能渗透到以往服务不足的细分市场,满足潜在的需求。
为了满足保险业界期望进一步扩大产品范围,当局推出「保险科技沙盒」的试行项目。目前为止,已批准8个试验项目,还有7个项目待审批。
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