保監局:上半年香港保險保費總額達3,070億元 按年跌2.2%
保險業監管局公布2021年上半年香港保險業的臨時統計數字,期內毛保費總額達到3,070億元,再次因部分短期儲蓄壽險保單的保費繳付模式影響而較去年同期下跌2.2%。
2021年上半年有效長期業務的保費收入總額為2,736億元(下跌2.4%),主要包括個人人壽及年金(非投資相連)業務,其保費收入為2,262億元(下跌4.9%);個人人壽及年金(投資相連)業務,其保費收入為202億元(上升59.2%);以及退休計劃業務,其供款為239億元(下跌8.4%)。
另一方面,期內長期業務(不包括退休計劃業務)的新造保單保費為805億元(上升22.9%),主要包括個人人壽及年金的非投資相連業務,其新造保單保費為670億元(上升10.3%),以及投資相連業務,其新造保單保費為134億元(上升192.2%)。然而,必須注意這些正面數字應從2020年低比較基數的角度審視。在2021年上半年,保險公司共發出約31,000份合資格延期年金保單並帶來22億元保費,佔個人業務總額2.7%。
來自內地訪客的新造業務保費從2020年上半年的62億元收縮至2021年同期的約2億元(下跌96.5%),佔個人業務總額0.3%。這些保單約97%是以非整付方式支付(即非一筆過支付);危疾、終身壽險及醫療保險分別佔這些保單的份額為38%、33%和20%。
一般業務方面,上半年一般保險業務的毛保費為334億元,下跌0.3%,淨保費則為221億元,下跌3%,整體承保利潤由6.24億元改善至7.94億元。(el/k) ~
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