去年本港毛保費總額按年增4.9%至6,084億元 內地客新造保單跌84.3%至68億元
阿思達克 03-12 16:01
保監局公布，去年全年本港毛保費總額按年增長4.9%至6,084億元。有效長期業務的保費收入總額按年增長4.5%至5,481億元：主要為非投資相連個人人壽及年金業務，保費收入按年增長1.5%至4,639億元；投資相連個人人壽及年金業務按年增長0.1%至277億元；退休計劃業務供款按年增長50.3%至507億元。
不包括退休計劃業務的長期業務新造保單保費按年下跌22.8%至1,334億元：主要包括非投資相連個人人壽及年金業務，按年下跌25%至1,202億元；投資相連業務新造保單保費按年增長8.8%至128億元。保險公司於去年共發出約6.4萬份合資格延期年金保單，新造保單保費45億元，佔個人業務總額3.4%。
去年內地訪客的新造保單按年下跌84.3%至68億元，佔個人業務總額5.1%。相關客戶中98%不是以一筆過形式繳付，相關保單中危疾佔48%，終身壽險佔36%，醫保佔8%。
一般保險業務方面，去年毛保費按年增長8.3%至603億元，淨保費按年增長8.7%至409億元。整體承保利潤受到直接業務推動，自11億元進一步改善至22億元。
直接業務方面，毛保費及淨保費分別為444億元及313億元，按年分別增長4.7%及6.2%。意外及健康業務下滑5.8%，其中醫療業務增長2.4%，非醫療業務則因外遊活動仍然受阻而下跌43.3%。受惠於按揭保險計劃物業樓價上限提高，金錢損失業務的毛保費持續上升88.4%。包括僱員補償業務之一般法律責任業務穩定增長7.9%，汽車業務上升4%。
直接業務承保利潤按年增長95.5%至17億元，其中意外及健康業務上升2.18倍至9.73億元，僱員補償業務亦由虧損1.69億元扭轉至盈利3.91億元，相關表現主要源自新型肺炎期間申索減少。汽車業務承保虧損自4.04億元收窄至2.41億元。
分入再保險業務方面，受財產損壞業務的保費率上調及新造保單所帶動，毛保費及淨保費分別增長20%及17.8%，至分別159億元及96億元。承保利潤自2.83億元增加至5.82億元，主要來自一般法律責任、船舶和貨運業務，部分被財產損壞業務的利潤減少所抵銷。
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