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- 誰将成為(wèi)互聯網保險“爆發點”？
随著(zhe)互聯網保險行(xíng)業≥λΩ(yè)的(de)快(kuài)速發展，新型險種層出不(bù)窮，除了(le)傳統的(de♠π♣)壽險，财險，健康險等，還(hái)有(yǒu)諸如(rú)碎屏險，支付賬戶安全險等。衆多( σduō)險種中誰能(néng)脫穎而出，誰将成為(wèi)互聯網保險的(de)“爆₹↕↑發點”？
中國(guó)保險行(xíng)業(yè)協會(huì)發β布的(de)2018年(nián)上(shàng)半年(nián♥>)電(diàn)銷、網銷保費(fèi)數(shù)據顯示，電(d₹←$iàn)銷财險保費(fèi)呈現(xiàn)持續性的(de)斷崖式下(xià) ↑&滑，壽險則保持平穩增長(cháng)；與此• ©同時(shí)，網銷人(rén)身(shēn)險規模≈'保費(fèi)同比下(xià)滑15.61%，而财險則扭轉持續負增長(cháng)狀态，呈現(xiàn)回α'暖現(xiàn)象。
同時(shí)，上(shàng)半年(nián)，互聯網财産保險實現Ωεφ(xiàn)保費(fèi)收入326.40億元，同比增長(cháng)37.29%，連續6個(gè)月(yuè)實現(xiàn)正增長(cháng)。÷&©與财險回暖相(xiàng)比，人(rén)身(shēn)險則延續了(le)2017年(nián)以來(lái)的(de)下(xià)滑态勢，實現(xiφ¥àn)規模保費(fèi)852.7億元，同比下(xià)降15.61%。不(bù)過，中國(guó)保險行(xíng)業(yè)協會(huì)專家(j£★ σiā)表示，随著(zhe)保險保障功能(néng)的(de)凸顯、保險科(kē)技(jì)的(εβde)廣泛應用(yòng)，保險業(yè)風(fēng)險防控能(néngλ÷)力将持續增強，業(yè)務結構将相(xiàng)應調整。從(✔¶©cóng)長(cháng)遠(yuǎn)看(kàn)，®♠σ♥這(zhè)都(dōu)為(wèi)互聯網保險創造了(le)更為(wèi)有(yǒu)利的(de)發展環境，進而激發行(xíng)業(yè≠®♣)的(de)內(nèi)在動力和(hé)活力。
近(jìn)年(nián)來(lái)健康險保持快(kuài)速增長(cháng)，保≈€¶費(fèi)收入增速進高(gāo)于壽險保費(fèi)收入增速，占比也> (yě)在不(bù)斷提升，2016年(nián)底健康險保費(fèi)收入已經占到(dào)αγ÷★總壽險保費(fèi)收入的(de) 18.2%。但(dàn)是(shì) 2017 年(nián)以來(lái)健康險保費(fèi)收入增速出現(xiàn)了(le)大(dà)幅下₽'≠(xià)降，截止到(dào)今年(nián)前三季度，健康險保費(fèi) •總收入3583億元，同比僅增長(cháng)4.4%。前三季度可(kě)比口徑下(xià)五家(jiā)專業(yè)健康險公司保費(fèi)收入β↑總計(jì)568億元，同比下(xià)降了(le) 55.7%，和(hé)諧健康和(hé)人(rén)保健康™↑∑的(de)保費(fèi)收入分(fēn)别同比下(xià)降 65.8%和(hé)20.6%。
今年(nián)上(shàng)半年(nián)，健康險依然為(wèi)π' ✘互聯網保險的(de)熱(rè)點，規模保費∑♥¥(fèi)平穩增長(cháng)，上(shàng)半年(nián)實現(xià ↕♠∏n)規模保費(fèi)54.1億元，同比增長(cháng)85.9%，在互聯網人(rén)身(shēn)保險年(nián)度累計(jì)規模保費(fèi)中的$∑(de)占比約為(wèi)6.4%，同比增長(cháng)3.5%。在回歸保障的(de)大(dà)勢驅動下(xià)，多(duō)家(jiā)保∏×®險公司率先在互聯網渠道(dào)對(duì)健康險λΩ、醫(yī)療保險等進行(xíng)優化(huà)升級，推出百萬醫(yī)療險等保障型産品≤↓≈。其中，重大(dà)疾病保險實現(xiàn)規模保費σ☆♠(fèi)14.9億元，同比增長(cháng)32.7%，占互聯網健康保險保費(fèi)收入的(de)27.6%；費(fèi)用(yòng)報(bào)銷型醫(yī)療保險實現(xiàn)規模保≠λ↔費(fèi)28.8億元，同比增長(cháng)150.1%，占互聯網健康保險保費(fèi)收入的(de)53.2%。
中保協表示，随著(zhe)消費(fèi)者保障需求的(≤♠de)不(bù)斷提升和(hé)監管政策的(de)不(bù)斷收緊，保險公司紛紛奮力轉型£•，互聯網人(rén)身(shēn)保險産品結構不(bù)斷優化(huà)，健康保障性産品将成為(πδwèi)下(xià)個(gè)互聯網保險“爆發窗(c₽"φhuāng)口”。保險公司應當結合互聯網的(de)特點和(hé)自(zì)身(shēn)的₽σ(de)優勢，從(cóng)産品設計(jì)、渠道(dào)融合、服務 ®₽'升級以及保險科(kē)技(jì)等方面入手，≥±拓展保障性産品的(de)發展空(kōng)間(jiān)，搶占互聯網保險的±↕®Ω(de)“主跑道(dào)”。
從(cóng)發展趨勢看(kàn)，意外(wài)、健康險增長(c≥₩háng)較快(kuài)。自(zì)2016年(nián)衆安保險推出高(gāo)端醫(yī)療險，各保險主體(tǐ)紛紛試水(shuǐ)<≤推出同類型中高(gāo)端醫(yī)療險産品，滿足了(le)很(hě ↔n)大(dà)一(yī)部分(fēn)保險客戶對(duì)于健康類保險的(de)πδ需求。中保協會(huì)7月(yuè)份發布的(de)《2018年(nián)互聯網财産保險用(yòng)戶調研報(bào)告》指出，超過•£÷97%的(de)保險用(yòng)戶購(gòu)買過新型保險産品，中高(gāo)端醫(yī)療險在保險₽☆✔用(yòng)戶中的(de)滲透率達49.4%。同時(shí)保險公司在續保條件(ji←™àn)、免賠額、保額、全家(jiā)保、保↔™ 險責任拓展及智能(néng)核保等方面持續創新，客戶服務體(tδǐ)驗不(bù)斷提升，在一(yī)定程度上(shàng)γ∏推動了(le)意外(wài)健康險産品的(de)拓展。
同時(shí)，互聯網人(rén)身(shēn)保險各險種中，互σ↑δ聯網人(rén)壽保險共實現(xiàn)規模保費$∑≤®(fèi)475.9億元，同比減少(shǎo)111億元，降幅18.9%，在互聯網人(rén)身(shēn)保險年(nián)度累計(jì)γ§∑規模保費(fèi)中的(de)占比為(wèi)™λ¶55.8%，較去(qù)年(nián)同期占比下(xià)降2.3%。其中，兩全保險規模保費(fèi)29.2億元，較去(qù)年(nián)同期大(dà)幅下(xià)降達90%，在互聯網人(rén)壽保險中的(de)占比下(xià)降為(wè£≈÷i)6.1%。
與此同時(shí)，意外(wài)險出現(xià×™n)下(xià)滑趨勢，2018年(nián)上(shàng)半年(nián)實現(xiàn)規模保費(fèi)27.1億元，同比減少(shǎo)1.7%，在互聯網人(rén)身(shēn)保險總保費(fèi)中的(de)占比升至3.2%。互聯網意外(wài)險多(duō)為(wèi)消費(fèi)型保險，保險期間(jiān)₹≈♥為(wèi)一(yī)年(nián)期及一(yī)年(nián)期以下(xià)，其中交通(tōnΩ★g)意外(wài)險和(hé)旅遊意外(wài)險非常貼合互聯網的(de)場(♥€chǎng)景營銷，均出現(xiàn)不(bù)同程度增長(chá±♦ ₽ng)，其中交通(tōng)意外(wài)險實現(xiàn)規模♠₽↕保費(fèi)10.9億元，同比增長(cháng)71.5%；旅遊意外(wài)險實現(xiàn)規模保費(≠♥fèi)2.1億元，同比增長(cháng)69.6%。
在互聯網人(rén)壽保險中，定期壽險和(hé)終身(shēn)壽險增幅 ✘'明(míng)顯，共實現(xiàn)規模保費(fèi)29.4億元，同比增長(cháng)99.1%，占比約為(wèi)6.2%。分(fēn)紅(hóng)保險、投連保險及萬能(néng)保險等新型保險規模保費(fèi)也(y↑✔ě)出現(xiàn)不(bù)同程度的(de)增長(cháng)∞♥，共實現(xiàn)規模保費(fèi)417.3億元，同比增長(cháng)49.3%，占比約為(wèi)87.7%。
此外(wài)，年(nián)金(jīn)保'γ®'險發展勢頭放(fàng)緩，2018年(nián)上(shàng)半年(nián)累計(jì)實現(xiàn)規模保費≥≈(fèi)295.6億元，同比減少(shǎo)19.4%，占互聯網人(rén)身(shēn)保險保費(fèi)收入的(de)34.7%，仍為(wèi)僅次于壽險的(de)第二大(dà)互聯網人(rén)身→←(shēn)保險險種。養老(lǎo)年(nián)金(jīn)和(hé)λ♠>非養老(lǎo)年(nián)金(jīn)均出現(x¥≤iàn)不(bù)同程度降低(dī)，其中，養老(lǎo)₩≈年(nián)金(jīn)實現(xiàn)規模保費(fèi)50.3億元，同比減少(shǎo)33.4%；非養老(lǎo)年(nián)金(jīn)實現(xiàn)規模保費¶ (fèi)245.3億元，同比減少(shǎo)15.8%。
綜上(shàng)所述，健康險目前來(lái)看(kàn)仍是(shìβφ↔)互聯網保險的(de)熱(rè)點，誰又(yòu)會(huì)是(shì)互聯網保險的±±(de)下(xià)個(gè)“爆炸點”
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From :businessinsuranceU.S. commercial prope★÷ rty/casualty rates rose 5% on avera"¥ge in the fourth qua☆rter of 2019, up from 4% in the third q®≥uarter, reflecting insurers’ intent to co€≤ntinue to increase prices across most lines, onl↓≥×ine insurance exchange MarketScout Co↑≠γ♣rp. said Monday.“Auto rΩ±≤ ate increases have been up all year ≠∏long; however D&O (directors & officers) ♣ ♥♦and professional rate increases have±&§≤ spiked significantly Ω ♠δin the fourth quarter,” Richard Kerr, CEO of Mar±✔ketScout Corp. said in a sta¶♦tement.Insurers are carefully analyzing the←•®ir property exposures using catastrophe model♣β↕€ing tools, he said. “We expect man¥λ"y of the major property catastrophe insur→Ω&∑ers to curtail their 2020 wλ•ritings in California br™←ush and East and Gulf Coast wind areas. Natu♦ rally, this will result in higher rates to™σ insureds,” Mr. Kerr§✘™ said.D&O liability rates increa£♥sed by 8.25%, while commercial auto inc∑€∞™reased 8% in the quarter, and professional €♦liability rates were up 6%, andαεφ™ umbrella/excess rates were up 5.5%, according≠₹ to MarketScout.Commercial property ra☆★λtes increased 5.25% in the quarter, and business™±α↕ interruption rates were up 5%, whi•≈$<le all other lines showed smaller Ω±≥increases, except for workers compensation, whe×'re rates fell 1%, MarketScout said.By industry c"&αlass, transportation and habit£™★↔ational saw the highest average rate₽↑ε increases at 9% and 8.25% respectively✔™, MarketScout said.Large accounts – those¥'±♦ with $250,001 to $1 million iσσ₹₽n premium – saw a rate hike of★±πε 5.5% in the fourth quarter,∑♣ש as did jumbo accounts, which have m$∑•"ore than $1 million in premiu™ σm. Small accounts – those with up to $∑¥25,000 in premium – were up 5%, while m§$↕✘edium accounts – those ₽✔•™with $25,001 to $250,000 in ♠✘δpremium – were up 4.5%.The “steady t≥∞rend” of upward rates reflects insurers’∞ε≈✘ plans to continue increasin™g prices across all lines excep±↑t for workers compensation, MarketScout said.O↓δ rganizer：China Insurance Digital✘↕ & AI Development 2020Web:http://en.zenseegro&¶•$up.com/p/560573/Contacπ<t:Ann 021-65650305
From :insurancejournalIt was a rel®Ω" atively quiet year for the Southeast↑↔ in terms of major catastrophes compared ®∑ ←with 2018 when Hurricane’s Michael an®•<d Florence caused major ™Ω♣damage in the region. This y★₩•'ear, Hurricane Dorian sideswiped thββ e Southeast coast and mad↔ e landfall on the Ou↑& ter Banks of North Carolina but most of the ♦&area was spared. Stillλ$ ≈, Aon said economic damage in the₽✔♠✘ U.S. and Canada was poised to approach δ☆¥a combined $1.5 billion.Florida spent the year δ ♣recovering from Hurric₩∏♦©ane Michael, which was upgraded to¥&γβ a Category 5 storm by N÷£&OAA in April. Florida officials haveφ∏€✘ repeatedly called on the insuran≥§≥ce industry to speed up the recovery¶™ € process, with nearly 12% of clai✘✘&₹ms still open a year after the "λ← storm hit.Organizer：China Insurance Digital &₽✘amp; AI Development 2020W♠&∑eb:http://en.zenseegroup.com/p/560573/£< Contact:Ann 021-65650♥÷Ω∑305
From:businessinsuranceeinsuran≥ce renewals at Jan. 1, 2020Ω¥, mainly saw single-digit increases, withδ☆§ some exceptions, accordin↔€§¶g to reports by reinsurance brokers released Thu©₩rsday.Willis Re, the reinsurance brokerag™↕λe of Willis Towers Watson PLCδγ $, and Guy Carpenter & Co. ♦♥LLC, a unit of Marsh & M>♥€®cLennan Cos. Inc. both reported that year-end π¥¶∑reinsurance renewals varied by account and regionδ<, but the retrocessioφnal reinsurance was under pr©≥essure.Rates on line for property catastrophe ♦¶"reinsurance programs ♠✔•≥remained stable and prop♦δ>€erty per risk pricing was dri↓π¥≤ven by individual program performance, the Wi♦¶llis report said.Although£ ≥✔ some Lloyd’s of London syndicates t₩↔ ook firm positions on rate &σ>increases and the London market a↔Ωuthorized capacity decreased, th≠∞×at capactiy was replaced by new capital an§§✔d a strong supply froε>≈♦m other markets, Wil 'lis Re said.U.S. loss-free acc↓©÷ ounts renewed at flat to up 10% while those÷₽< with losses saw increases ofγ♦ 10% to 50%, the Willis Re report said, which ♥±σ₹was among the largest increλ¶ases. Property catastrophe acc♥€"±ounts without losses renewed at flat to up 5%, whλ'¶ile loss hit accounts were up 10% to 20%, Wi' llis Re said.According to the Guy Carpenter repo↔γrt, the brokerage’s global property catastrop∑<>←he rate on line index Ω₩rose 5% in 2019.According to the Willis ∏ΩRe report, other large increases were seen in Ce≥πntral and Eastern Europe,♥>✔ where property programs with losseφ"β✘s saw increases of 5% to £∏₽♠20%, and Canada, where such accoα§ δunts renewed up 10% to 40%.Most other region>¥ ∞s and countries saw property i↓∞ncreases in the single or low¶☆≤ double digits, the report sa✘≠×∏id.The Jan. 1 renewals saw some “difficult” neg₽β©otiations, according to a letter i≠≈n the report from James K>↑↑♣ent, global CEO, Willis Re.The Gu ¶φλy Carpenter report said thσ♣∞e reinsurance market was “asymmetrica$σl,” adding “this is certainly €↑not a one-size-fits-all market” and while oveγ rall capacity remained adequate, “alloca ≤≠ted capacity tightened no®↔δtably in stressed classes.”Dedicated rein<$↓♥surance capital rose 2% in ε™ 2019 and the year saw♥φ approximately $60 billion in glob♦<↑±al insured catastrophe losses, a₽←©€ccording to Guy Carpent↔>♠φer, which was signifi₹∞✘cantly lower than 2017 and 2018.Alter↔±✘native capital, however, contracted>€$ by approximately 7% perc•Ω>ent “as investors wer™₩e more cautious with new inv→estments after assessing market d↕δynamics and pricing adequacy,” Guy Carp ♣enter said.The retrocession mark↑γ₹et “was challenged … by trapped capital, §₹ ©a lack of new capital and continued red™∑₽emptions from third-party capital providers,” a↔÷ statement issued with the Guy Carpent≈→$≈er report said.However≈•, significant retrocession pro←★ viders returned to the m•€≠φarket in the past two weeks, Willis Re said✔♠.Organizer：China Ins✔©∑↓urance Digital & AI Deve∏×lopment 2020Web:http://en.zenseegroup.co←↔↕¥m/p/560573/Contact:Ann 021-65650305' €
Major information technology ∑companies in India are running the risk of termin♦•ation of their $1 bill♦✔£ion contracts following Boeinβ>g Co.’s decision to halt the production$♠♠ of its 737 Max jets, MoneyControl report≠π₹ed citing the Business Standa♣♠↓rd. Companies like Tata <>&Consultancy Services Ltd↑®♦π., Infosys Ltd., HCL Technologies Ltd., Cyie§≠≥♥nt Ltd. and L&T Technolog♦&"₩y Services Ltd. have outsourcing contracts¥β₽ with Boeing or its sup€ pliers and Boeing’s jet crisis is expectedπ¥≠× to affect these IT companies≥←∞ in the short run.From:busines→♦>sinsuranceOrganizer：China Insura≤↕nce Digital & AI Development 20≤ π20Web:http://en.zenseeσ✘group.com/p/560573/Contact:Ann 021-♥65650305
France-based eyewear maker Essilor Internatio&₩↕nal S.A. has discovered fra>≥♠udulent activities at one of☆×γ its factories in Thailand that c€♠ould cause €190 million ($213↔≈ million) in financial losses to the co↓€☆₹mpany, The Irish Times reported citing Reuters. T ♦♣$he company has filed complaints in Thailand an✔εd has fired all the involved employees. It hop↑&Ωes to recover the losses from frozen bank acc¶φounts, insurance and lawsuits.Organizer：Ch£ ♦ina Insurance Digital & AI Development ↑₩2020Web:http://en.zenseegroup.com/p/5®σ≤≠60573/Contact:Ann 021≤$-65650305
