The Hong Kong Insurance Authority reported that the premium for new policies taken out by mainland visitors to Hong Kong in the first quarter was HKD 15.6 billion.

Zhitong Finance · Jun 4 13:39

智通财经APP获悉，香港保险业监管局公布2024年首季香港保险业的临时统计数字，期内毛保费总额达到1,651亿港元，较去年同期上升12.2%。源自内地访客的新造保单保费为156亿港元，占个人业务总新造保单保费24%，而2023年第四季则占35.3%。一如以往，这些保单中约97%是以非整付方式支付(即非一笔过支付)。终身寿险、危疾及储蓄寿险保险分别占已发出保单份额的59%、30%和3%。

2024年首季长期有效业务的保费收入总额为1,443亿港元(上升14%)，主要包括个人人寿及年金(非投资相连)业务，其保费收入为1,303亿港元(上升18.8%)；个人人寿及年金(投资相连)业务，其保费收入为50亿港元(下跌22.5%)；以及退休计划业务，其供款为68亿港元(下跌18%)。同一期间，给付保单持有人的申索和利益总金额为1,018亿(上升29.6%)。(括号内百分比为与去年同期数字比较之变化)

长期业务(不包括退休计划业务)的新造保单保费为653亿港元(上升39%)，由新造保单保费为633亿港元(上升45.5%)的个人人寿及年金(非投资相连)业务，以及新造保单保费为18亿港元(下跌46%)的个人人寿及年金(投资相连)业务所组成。保险公司共发出约22,600份合资格延期年金保单，吸纳保费14亿港元，占个人业务总额2.2%。

一般业务

在2024年首季，一般保险业务的毛保费及净保费分别为208亿港元(上升0.9%)和131亿港元(上升5.3%)，已偿付申索毛额为84亿港元(上升12.1%)，整体承保利润由5亿港元倍增至10亿港元(上升102.3%)。

直接业务方面，毛保费及净保费分别录得153亿港元(上升2.6%)和103亿港元(上升2.4%)。在旅游保险及团体医疗业务需求激增推动下，意外及健康业务毛保费达到69亿港元(上升12.4%)。财产损坏业务和汽车业务的毛保费分别为17亿港元(上升6.7%)及14亿港元(上升7.2%)，部份增幅由于金钱损失(包括按揭担保)业务毛保费收缩至5亿港元(下跌42.2%)而被抵销。

直接业务的整体承保利润为6亿港元(上升61.8%)，已承付申索净额比率从60.5%稍降至58.8%，受惠于财产损坏业务、一般法律责任业务和金钱损失业务因索赔情况改善及准备金下调带来的正面表现。

至于分入再保险业务方面，毛保费和净保费分别为55亿港元(下跌3.7%)及28亿港元(上升17.7%)，毛保费下跌主要受到财产损坏业务和金钱损失业务因续保收紧及再保险市场业务调整影响，部分跌幅被意外及健康业务的增长所抵销。由于准备金下调，已承付申索净额比率由52.9%回落至47.8%，令整体承保利润大涨225.2%至4亿港元。

According to the Smart Finance app, the Hong Kong Insurance Regulatory Authority announced the temporary statistical figures for the Hong Kong insurance industry in the first quarter of 2024, with a gross premium total of HKD 165.1 billion for the period, an increase of 12.2% compared to the same period last year. The new insurance premium from mainland visitors was HKD 15.6 billion, accounting for 24% of the total new insurance premium for personal business, which was 35.3% in the fourth quarter of 2023. As usual, about 97% of these policies are paid in non-whole payment method (i.e. non-one-off payment). Life insurance, critical illness, and savings insurance respectively account for 59%, 30%, and 3% of the policy issued.

The total premium income of long-term effective business in the first quarter of 2024 was HKD 144.3 billion (an increase of 14%), mainly including personal life and annuity (non-investment-linked) business, with premium income of HKD 130.3 billion (an increase of 18.8%); personal life and annuity (investment-linked) business, with premium income of HKD 5 billion (a decrease of 22.5%); and retirement plan business, with contributions of HKD 6.8 billion (a decrease of 18%). During the same period, the total amount of claims and benefits paid to policyholders was HKD 101.8 billion (an increase of 29.6%). (The percentage in parentheses denotes the change compared to the same period last year).

The new insurance premium for long-term business (excluding retirement plan business) was HKD 65.3 billion (an increase of 39%), composed of new insurance premiums of HKD 63.3 billion (an increase of 45.5%) for personal life and annuity (non-investment-linked) business and new insurance premiums of HKD 1.8 billion (a decrease of 46%) for personal life and annuity (investment-linked) business. The insurance company issued about 22,600 qualified deferred annuity policies, with premiums of HKD 1.4 billion, accounting for 2.2% of the total personal business.

General business

In the first quarter of 2024, the gross premium and net premium of general insurance business were HKD 20.8 billion (an increase of 0.9%) and HKD 13.1 billion (an increase of 5.3%), and the gross amount of claims paid was HKD 8.4 billion (an increase of 12.1%). The overall underwriting profit increased from HKD 0.5 billion to HKD 1 billion (an increase of 102.3%).

In terms of direct business, the gross premium and net premium were HKD 15.3 billion (an increase of 2.6%) and HKD 10.3 billion (an increase of 2.4%), respectively. Driven by the surge in demand for travel insurance and group medical business, the gross premiums of accident and health business reached HKD 6.9 billion (an increase of 12.4%). The gross premiums of property damage business and auto business were HKD 1.7 billion (an increase of 6.7%) and HKD 1.4 billion (an increase of 7.2%), respectively, partly offset by the shrinkage of gross premiums from monetary loss (including mortgage guarantee) business to HKD 0.5 billion (a decrease of 42.2%).

The overall underwriting profit of direct business was HKD 0.6 billion (an increase of 61.8%), and the net amount of claims paid ratio dropped slightly from 60.5% to 58.8%, benefiting from the improvement in claims situation and the positive performance brought by the improvement of property damage business, general liability business and monetary loss business due to the adjustment of reserves.

As for the reinsurance business, the gross premium and net premium were HKD 5.5 billion (a decrease of 3.7%) and HKD 2.8 billion (an increase of 17.7%), respectively. The decrease in gross premium was mainly due to the tightening of renewal collection and the adjustment of reinsurance market business, while part of the decrease was offset by the growth of accident and health business. Due to the reduction in reserves, the net amount of claims paid ratio fell from 52.9% to 47.8%, causing the overall underwriting profit to soar by 225.2% to HKD 0.4 billion.

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香港保监局：一季度内地访客赴港新造保单保费为156亿港元

The Hong Kong Insurance Authority reported that the premium for new policies taken out by mainland visitors to Hong Kong in the first quarter was HKD 15.6 billion.

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