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港A保險股集體下挫 消息稱監管禁短期健康險“0”費率
港A兩地保險股集體下挫。A股中,中國太保跌超4%,中國人壽、新華保險、中國人保跌超2%;H股中,中國太保跌超6%,中國太平、中國平安跌超3%,新華保險、中國人壽、中國人民保險、中國再保險跌超2%。有媒體引述監管部門向各保險公司下發《關於進一步做好短期健康保險業務有關事項的通知》,該《通知》發佈源自監管部門近期在日常監管中發現,部分保險公司經營短期健康保險業務,存在產品設計不審慎、銷售管理薄弱、客户服務不到位等問題。此次《通知》中,監管嚴禁保險公司出現“0”費率等各類明顯不符合精算原理情況,業內人士指出,這一要求或在針對近期廣受爭議健康險“魔方業務”。所謂“魔方業務”,指部分機構開展健康險業務時,通過免費贈險或低保費、低保額、高免賠保險等方式吸引客源,進而引導客户“升級”投保常規百萬醫療保險(行業內通稱“魔方業務”等)。

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