本港去年保險業長期業務新造保單保費跌19.1%
阿思達克 03-10 15:38
保監局今日(10日)公布，去年香港保險業的臨時統計數字，期內毛保費總額達到5,560億元，較去年同期下跌7.7%。
去年長期有效業務的保費收入總額為4,914億元，按年跌9.1%，主要包括個人人壽及年金(非投資相連)業務，其保費收入為4,126億元，按年跌7.6%；個人人壽及年金(投資相連)業務，其保費收入為283億元，按年跌36.5%；以及退休計劃業務，其供款為445億元，按年升1.3%。
與此同時，長期業務(不包括退休計劃業務)的新造保單保費1,349億元，按年跌19.1%，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1,195億元，按年跌11.9%；以及投資相連業務，其新造保單保費為149億元，按年跌51.6%。保險公司共發出約29,000份合資格延期年金保單並帶來20億元保費，佔個人業務總額1.5%。
來自內地訪客的新造業務保費21億元，按年升200.3%，因個別保單及2021年基數較低而顯著回升，佔個人業務總額1.5%。此客戶群組購買的保單中約95%是以非整付方式支付(即非一筆過支付)，終身壽險、危疾及醫療保險分別佔保單的份額為41%、32%和19%。
去年一般保險業務的毛保費為646億元，按年升4.5%，淨保費則為421億元，升1.6%，已償付申索毛額為300億元，跌4.5%，整體承保利潤由20億元擴大至42億元。
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