去年本港毛保费总额按年增4.9%至6,084亿元 内地客新造保单跌84.3%至68亿元
阿思达克 03-12 16:01
保监局公布，去年全年本港毛保费总额按年增长4.9%至6,084亿元。有效长期业务的保费收入总额按年增长4.5%至5,481亿元：主要为非投资相连个人人寿及年金业务，保费收入按年增长1.5%至4,639亿元；投资相连个人人寿及年金业务按年增长0.1%至277亿元；退休计划业务供款按年增长50.3%至507亿元。
不包括退休计划业务的长期业务新造保单保费按年下跌22.8%至1,334亿元：主要包括非投资相连个人人寿及年金业务，按年下跌25%至1,202亿元；投资相连业务新造保单保费按年增长8.8%至128亿元。保险公司於去年共发出约6.4万份合资格延期年金保单，新造保单保费45亿元，占个人业务总额3.4%。
去年内地访客的新造保单按年下跌84.3%至68亿元，占个人业务总额5.1%。相关客户中98%不是以一笔过形式缴付，相关保单中危疾占48%，终身寿险占36%，医保占8%。
一般保险业务方面，去年毛保费按年增长8.3%至603亿元，净保费按年增长8.7%至409亿元。整体承保利润受到直接业务推动，自11亿元进一步改善至22亿元。
直接业务方面，毛保费及净保费分别为444亿元及313亿元，按年分别增长4.7%及6.2%。意外及健康业务下滑5.8%，其中医疗业务增长2.4%，非医疗业务则因外游活动仍然受阻而下跌43.3%。受惠於按揭保险计划物业楼价上限提高，金钱损失业务的毛保费持续上升88.4%。包括雇员补偿业务之一般法律责任业务稳定增长7.9%，汽车业务上升4%。
直接业务承保利润按年增长95.5%至17亿元，其中意外及健康业务上升2.18倍至9.73亿元，雇员补偿业务亦由亏损1.69亿元扭转至盈利3.91亿元，相关表现主要源自新型肺炎期间申索减少。汽车业务承保亏损自4.04亿元收窄至2.41亿元。
分入再保险业务方面，受财产损坏业务的保费率上调及新造保单所带动，毛保费及净保费分别增长20%及17.8%，至分别159亿元及96亿元。承保利润自2.83亿元增加至5.82亿元，主要来自一般法律责任、船舶和货运业务，部分被财产损坏业务的利润减少所抵销。
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