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- 互聯網保險“相(xiàng)互保”引發熱(∞↓rè)議(yì)：模式有(yǒu)創新但(dàn)無法代替重疾險
央廣網北(běi)京10月(yuè)29日(rì)↔>消息（記者劉柏煊）據經濟之聲《天下(xià)财經》報(bào)道(dào) ®，“0元加入，先享保障；一(yī)人(rén)生(shēng)病，衆人(rénβ)均攤；30萬保障，幫一(yī)個(gè)家(jiā)。”打著(z©π♠he)這(zhè)樣的(de)宣傳口号，支付寶× ✘近(jìn)期上(shàng)線的(de)一(yī)款名為(wèi)“相(xiàng)互保”β ∑的(de)互聯網保險突然走紅(hóng)。這(zhè)款産品由螞蟻保險σ★和(hé)相(xiàng)互制(zhì)人(rén)壽保險機(jī)構——信美(měi)相≤δα(xiàng)互一(yī)起推出。根據今早（29日(rì)）頁面上( α•shàng)的(de)實時(shí)數(shù)據，在不(bù☆)到(dào)半個(gè)月(yuè)的(de)時(¥↕→shí)間(jiān)裡(lǐ)，用(yòng)戶數(shù)就(j ÷iù)突破1300萬。不(bù)過，與用(yòng)戶數(shù<€)一(yī)起增長(cháng)的(de)還(hái)有(y↕<σ ǒu)網絡上(shàng)的(de)質疑聲音(yīn)。0元加入♠ €®真的(de)保險嗎(ma)？
相(xiàng)互保險強調共擔風(fēng)險
打開(kāi)支付寶，手動搜索“相(xiàng<≈α£)互保”就(jiù)能(néng)進入到(dào)參保頁面。根據頁面上(shàng)介♠•₽ 紹，一(yī)般來(lái)說(shuō)，隻要(yào)芝麻信←>✘≤用(yòng)分(fēn)在650分(fēn)及以上(shàng)、年(niá ≥n)齡在60歲以下(xià)的(de)螞∑♦蟻會(huì)員(yuán)，滿足一(yī)定健康條件(jiàn)，就(jiù)能(nén±g)0元加入。一(yī)旦出險，可(kě¶♥&)享受到(dào)覆蓋100種重疾的(de)保障金(jīn)，39周★≥↔歲以下(xià)30萬元，40-59周歲10萬元。
中央财經大(dà)學保險學院學術(shù)委員(yuán)≤→→λ會(huì)主任郝演蘇解釋，“相(xiàng)互保”實際上(shàng)屬于一(yī✘)種“相(xiàng)互保險”，在我國(guó)并不(bù)是(shì)新鮮事(shì)$↑物(wù)，但(dàn)相(xiàng)對(duì)比較小(xiǎo)衆。傳統保險采♠β≤γ取股份制(zhì)，而相(xiàng)互保險采取會(huì)員(yuán)制(zh¶φ>ì)，相(xiàng)當于通(tōng)過協議(yì)的(de)®→♥♦方式組成一(yī)個(gè)互助會(hu✔π≠ì)，每個(gè)人(rén)都(dōu)是(shì)成員(yuán)， ®π₩當其中的(de)成員(yuán)發生(shēn™φg)問(wèn)題時(shí)共擔風(fēng)險。
質疑一(yī)：投入是(shì)否是(shì)“無底洞”？
賠付的(de)資金(jīn)來(lái)自(zì)哪裡(lǐ)？答(dá)案是(♥σ§shì)其他(tā)成員(yuán)分(fēn)攤。與傳統保險收取固定保費(fèi)不 ¥ε(bù)同，如(rú)果成員(yuán)出險越多(duō)，分(fēn)攤'§的(de)錢(qián)越多(duō)，這(zhè)是(s×↕₽σhì)否意味著(zhe)投入就(jiù)會(huì)變成♦≈一(yī)個(gè)“無底洞”？
有(yǒu)保險業(yè)內(nèi)人(rén)士告訴記者，保險産品都(dōu)遵循“大(£♥dà)數(shù)法則”，當樣本足夠多(duō)時(shí)，出險人(rén)數(βshù)和(hé)總參保人(rén)數(shù)的(de)比例&•會(huì)保持穩定，所以當總參保人(rén)數(shù)超過一(yī)定數(shù)量後 ∑™ε，每個(gè)人(rén)分(fēn)攤的(de)金(jīn<↓®π)額不(bù)會(huì)有(yǒu)大(dà)幅度變動。
到(dào)底分(fēn)攤多(duō)少(shǎo)？螞蟻金(jīn)服副≥總裁尹銘回應經濟之聲，根據精算(suàn)師(shī)估算(suàn♥$)，“相(xiàng)互保”第一(yī)年(nián)每個(gè)用(yòng)戶¥Ω₹>分(fēn)攤的(de)費(fèi)用(yòng)可(kě)εε 能(néng)在100-200元之間(jiān)。他(tā∏Ω )說(shuō)：“我相(xiàng)信我們的(de)∞↑精算(suàn)能(néng)力，也(yě)相(xiàng)信我們的(de) ∑管理(lǐ)能(néng)力，我們會(huì)把每一(yī)年(nián)分"±(fēn)攤費(fèi)用(yòng)的(de)多(duō)少(shǎo)當做(zuσ<Ω§ò)*重要(yào)的(de)一(yī)個(gè)用(yòng)戶體(tǐ)驗去(qù)做(zuòβδγ♦)。因為(wèi)我心裡(lǐ)非常清楚，如(rú)果✔✘讓大(dà)家(jiā)沒有(yǒu)盼頭，像一(yī)個(gè)‘©'無底洞’往裡(lǐ)面砸錢(qián)，‘相(xiàng)互€↕¥∑保’就(jiù)玩(wán)不(bù)起來(láδ♦i)。”
質疑二：管理(lǐ)費(fèi)是(shì)否過高✘₽(gāo)？
另一(yī)個(gè)受到(dào)質疑的(de)問(wèn)題是(shì)管理(l✘¥∞ǐ)費(fèi)過高(gāo)。按照(zhào)協議(yì)，↓₹™₽成員(yuán)的(de)分(fēn)攤費(fèi)用(y★♣òng)還(hái)包括管理(lǐ)費(fèi)，為(wèi)10%。如(rú)果按*÷∞§高(gāo)賠付金(jīn)額30萬元來(lái)算(suàn)，1個(gè)确λ₩診案例的(de)管理(lǐ)費(fèi)就(jiù)是(shì)3萬元。尹銘解釋，♦γ↕管理(lǐ)費(fèi)主要(yào)用(♦÷yòng)于三個(gè)方面：第一(yī)個(gè↓₩γγ)是(shì)風(fēng)控，第二個(gè)是(shì)反欺詐，第三個(gè)是(shì)核賠↕$ ¶，“我們收這(zhè)10%的(de)管理(lǐ)費(fèi)做(zuò)這(zhè)些(Ω>xiē)事(shì)情也(yě)是(shì)為(wèi)大(dà)家(∞€←jiā)負責，隻要(yào)這(zhè)些(xiē)賠案大(dà)家(jiā)≠↓™覺得(de)沒有(yǒu)争議(yì)，我們就(jiù)高(g♣€āo)興。”尹銘說(shuō)。
郝演蘇認為(wèi)，在會(huì)員(yuán)制(zhì✘&£)的(de)基礎下(xià)，管理(lǐ)費(fèi)是(shì)否過高(g←&Ωāo)取決于個(gè)人(rén)認知(zhī)。他(tā)說(shuō)✔ ：“因為(wèi)這(zhè)不(bù)是(sh¶ ↕↔ì)說(shuō)買賣行(xíng)為(wèi)，而&☆是(shì)會(huì)員(yuán)制(z∑εγhì)。你(nǐ)加入就(jiù)意味著(zhe)你(nǐ)認可(kě)章(zhāng)程，包括他δ♦$(tā)們相(xiàng)應的(de)管理(lǐ)費(fèi)收費(fèi)标準。這(zh¶ πγè)裡(lǐ)面就(jiù)無可(kě)厚非了(le)。”
“相(xiàng)互保”無法替代重疾險
值得(de)關注的(de)是(shì)，經過一(yī)段時(shí)間(jiān) λ的(de)輿論發酵，多(duō)位資深保險業(yè)內(nèi)人(rén)士在接受經濟之聲采₩λ訪時(shí)指出，首先，“相(xiàng)互δ↑保”并不(bù)能(néng)代替重疾險，因為(wèi)×≥®其賠付金(jīn)額和(hé)覆蓋年(ni✔ án)齡段還(hái)有(yǒu)一(yī)定局限；其次，要(yào✘♠&)珍惜自(zì)己的(de)*佳投保資質☆ &÷購(gòu)買合适的(de)商業(yè)保險，“相(xiàng)互保”隻能(néng)是(shα$₹ì)一(yī)種基礎性和(hé)補充型的(de)産品。
商業(yè)健康險配置需引起重視(shì)
根據中國(guó)保險行(xíng)業(yè£<©×)協會(huì)今年(nián)發布的(de)《中國(guó)商業(yè)健康保險αα÷$發展指數(shù)報(bào)告》顯示，2018年(nián)，我國(guó)居民(mín)在γ★<♣商業(yè)健康保險配置方面，認知(zhī)多(duō)規劃少(s©$σ₽hǎo)情況比較突出，接近(jìn)半數(shù)的(d₹δe)受訪者認為(wèi)有(yǒu)必要(yào)購(⧀gòu)買商業(yè)健康保險，但(dà≈≈n)其中已購(gòu)買的(de)比例僅為(wèi)6.7%。
對(duì)此，郝演蘇指出，“相(xiàng)互$¥•保”的(de)低(dī)門(mén)檻确實能(nén↕∞©♠g)為(wèi)部分(fēn)人(rén)解決基礎保障需求，有¥☆¶λ(yǒu)利于普及大(dà)衆的(de)健康保障理(lǐ)念和(hé)進行(xíng)保險♠δ用(yòng)戶教育，應抱有(yǒu)寬容态度觀察其後續發展。“如(rú)果它後續做(z♠±uò)得(de)很(hěn)好(hǎo)，确實對(duì€♦☆γ)解決防止因病緻貧、因病返貧有(yǒu)貢獻，那(nà¶δ♣)的(de)确是(shì)可(kě)持續的(de)。應該寬容新生(s™∏↔∏hēng)事(shì)物(wù)和(hé)鼓勵科(kē)技(jì)創新，至于未來(lπφái)發展如(rú)何，還(hái)是(shì)有(yǒu)一(yī)個(gè)觀 ¶ 察期。”他(tā)說(shuō)。
支付寶方面相(xiàng)關工(gōng)作(zuò)人®₩₽(rén)員(yuán)介紹，每月(yuè)7日(rì)、2✘₽α1日(rì)為(wèi)公示日(rì)，14日(rì)、28日(rì)為(wα♥≥èi)分(fēn)攤日(rì)。如(rú)果下(xià)個(gè)月(yuα>α∑è)7日(rì)有(yǒu)出險公示的(de)話(huà"λ)，那(nà)麽11月(yuè)14日(rì)将←←®為(wèi)“相(xiàng)互保”的(de)第一(yī)個(gè)分(fēn)攤日(r≠★Ω"ì)。經濟之聲将繼續關注。
來(lái)源：央廣網
From :businessinsuranceU.S. commercia÷ l property/casualty r♠Ωates rose 5% on avera₽σ✔£ge in the fourth quarter of 2019, u§∏®<p from 4% in the third quarter, reflecting insu≠♣↔♠rers’ intent to cont"inue to increase prices across most lines,≥σ✔♣ online insurance exch ↓₩ange MarketScout Corp. said Monday.“Auto ra→✔te increases have been up all year long; howe≈₽♠ver D&O (directors & officers) a£ ≤nd professional rate increases have spik≤∑©ed significantly in the fourth quarter,” Rγ♣γichard Kerr, CEO of M∞Ω→arketScout Corp. said in a sta↑§αtement.Insurers are carefully analyzing their σ≤property exposures using catastroph®→ €e modeling tools, he said. “W• e expect many of the major property §₩↑♣catastrophe insurers to curtail t§∑₩heir 2020 writings in California brush and East a©> ★nd Gulf Coast wind areas. Naturally, ♦Ω±this will result in higher rates to insureγ♦↕ds,” Mr. Kerr said.D&am₩♣β$p;O liability rates increased↔ by 8.25%, while comm•ercial auto increased 8% i®≥✘n the quarter, and p&±γrofessional liability rates were up 6%, and umbr₹§ella/excess rates were up ↔↑5.5%, according to MarketScouγ→↔↕t.Commercial property rates increase₹&φ∏d 5.25% in the quarter, a↑≠≠÷nd business interruption r↕∞ates were up 5%, while all other lines sho ε§♠wed smaller increases, e→₩₹xcept for workers compensation, where rates fel$ ↑±l 1%, MarketScout said.By industry class, tra &nsportation and habitational saw the ε×highest average rate increases at 9% and 8β©÷.25% respectively, MarketScout saidε§ε.Large accounts – those with $25≥→↔★0,001 to $1 million in premium π– saw a rate hike of 5.5% in φ<the fourth quarter, as did jum≠¥γ₹bo accounts, which haα ≠γve more than $1 million in premium.Ω$¶¶ Small accounts – those with up ≥$to $25,000 in premium – were up 5%, while↑§ medium accounts – those with $25,001 to $250,00↑₽₹0 in premium – were up 4.5%.The “steady trend”©δ of upward rates reflec₽₩¥ts insurers’ plans to continue increasing price±•¶Ωs across all lines except for worke♣↓§rs compensation, MarketScout said.Organizer：C≈">hina Insurance Digital & AI Development 2020® Web:http://en.zenseegro"ε©up.com/p/560573/Contact:Ann 021-65650305
From :insurancejournalIt was a relatively q∏≥♦uiet year for the Southeast ∑>in terms of major catastrophes compared w¥$ith 2018 when Hurricane’₩εs Michael and Florence caused major dam$₩age in the region. This year, Hurriδ★cane Dorian sideswiped the SoutβΩ∏δheast coast and made landfall on €→≤♥the Outer Banks of Nor∞∑✔th Carolina but most of the area was spared'₩×. Still, Aon said economic damage in the ↕↓ U.S. and Canada was p₹♠€λoised to approach a coδ∑β÷mbined $1.5 billion.Florida spent the year recov₽♥∞ering from Hurricane Michael, which α§≥was upgraded to a Category 5 storm by NOAA★✔↔ in April. Florida officials have r♠©↑★epeatedly called o™♣↕n the insurance industry &→to speed up the recovery process, with near¶€ly 12% of claims still open a yea♥÷$r after the storm hit.Organizer：China Insurance♦≈β' Digital & AI Development 2020Web:http://e×®n.zenseegroup.com/p/560573/Contact:Anπ≠'∞n 021-65650305
From:businessinsuranceeins≤γγ¥urance renewals at Jan. 1, 2020, main™≥÷ly saw single-digit increases, with soσ☆me exceptions, according to reports by>'↓ reinsurance brokers released Thursday.Wil±αlis Re, the reinsurance brokerage of Willis Tower©ε∏s Watson PLC, and Guy Carpenter××£∏ & Co. LLC, a unit of Ma♦€≤×rsh & McLennan C>וos. Inc. both reported that ≤ year-end reinsurance renewals varied by accountπ™ and region, but the retrocγ πessional reinsurance was under pressure.Ratesφ<•σ on line for property catas↑↓βtrophe reinsurance programs remainedβ® stable and property per risk pπ ricing was driven by individual program perf£Ωormance, the Willis report said.A ∑×lthough some Lloyd’s ® of London syndicates took ¶ firm positions on rate increases÷< and the London market authorized capacity decrea✔≤₹sed, that capactiy w<✔as replaced by new capital and a stro♥±↓≈ng supply from other markets, Willis Re said.U≤♠.S. loss-free accounts renewed at flat to u≈₽←p 10% while those with losse∑✘ s saw increases of 10% to 50%, the Willis Reεπ§ε report said, which was among the largest increas™ ≠±es. Property catastrophe$§φ accounts without lo¥σ★"sses renewed at flat to up₩© 5%, while loss hit accounts were'≠≤™ up 10% to 20%, Willis Re said.According™ →≤ to the Guy Carpenter report, the brokera×₹γεge’s global property catastrop♣®÷he rate on line index rose 5% in ✘≥₹2019.According to the Willis Re report, other ∑∑δ↔large increases were seen in Central>β and Eastern Europe, where property programs with≠ε losses saw increases of ≈♠÷5% to 20%, and Canada, where s€±✘uch accounts renewed up 10% to 40%.Most other re¥×gions and countries saw property incre→←✔ases in the single or low doubl>δ>e digits, the report said.The ¥&λJan. 1 renewals saw s•☆≥ ome “difficult” negot'<£₽iations, according to a π≥•∑letter in the report from James £α ✘Kent, global CEO, Willis Re.The Guy Carpent γer report said the reinsurance market was “asy♠ mmetrical,” adding “this is cφ♦♣ertainly not a one-size-fits-all₩☆↔≥ market” and while overall c♣≠¥apacity remained adequate, “allocated capacity t¶Ω☆ightened notably in stresse¥δd classes.”Dedicated rei>$nsurance capital rose©•®≈ 2% in 2019 and the year saw approximately $6∏ε↓&0 billion in global insured catastrophe losse¶♠₹σs, according to Guy Carpenter, which was sigε₹♠'nificantly lower than 2017 a ≈nd 2018.Alternative capital↕£←, however, contracted by approximately•€Ω 7% percent “as investors were more cautious with§☆₩ new investments after as₩γ•σsessing market dynamics and pricing adequacy,” ₽ Guy Carpenter said.The retrocession <&★market “was challenge¥∑d … by trapped capital, a lack of new capital a♥↓ nd continued redemptioδ"♥ns from third-party capital providers,” a st→×atement issued with the Guy Carpente£↔≠$r report said.However, significa♥¶"nt retrocession providers returned to the market•₽π in the past two weeks, Willis Re said.Or∏<ganizer：China Insurance Digital & AI Develo§pment 2020Web:http://en.zenseegroup.com"Ω¥/p/560573/Contact:Ann 021-65650305
Major information technology companies in I¶™ndia are running the risk of termin≠•®>ation of their $1 billion contracts f¶®§ollowing Boeing Co.’s→↓® decision to halt the production ofβ¥☆↑ its 737 Max jets, MoneyControl reported§δ citing the Business SΩ±tandard. Companies like Tata Consultancy Servic±★es Ltd., Infosys Ltd., HCL Techλ♥∞nologies Ltd., Cyient Ltd. and L& •÷;T Technology Services Ltd. have outsourcλΩ≠×ing contracts with Boeing or its suppliers an$π ✘d Boeing’s jet crisi<£s is expected to affect these IT companies in theεβ short run.From:busi≤ ™nessinsuranceOrganizer：China ¶✔Insurance Digital & AI Development 20 ∑20Web:http://en.zenseegroup.com/p/560573/Contact∑₽:Ann 021-65650305
France-based eyewear maker Essilor International∏♠ S.A. has discovered fraudulent βactivities at one of its fac¥™$tories in Thailand that could cause €190♠≠ million ($213 million) in financ→ε₩δial losses to the company, The Irish Times report§ •ed citing Reuters. The company has filed complainα→β←ts in Thailand and has☆♦ fired all the involved employees. It hopes to r&↕∑ ecover the losses from froze↕n bank accounts, insurance and lawsuits.'βOrganizer：China Insurance Digital & AI Develoεσpment 2020Web:http://en.zenseegroup.com/p/560573$>/Contact:Ann 021-65650305
