張雲正:新冠疫情為保險業界作結構性改進獨特機會
保險業監管局行政總監張雲正在金融科技論壇上表示,雖然保險業界的運作受到疫情干擾,但仍看到有一些正面的反饋,留意到保險業因而改變產品結構,以應對市場對個人健康風險的關注,亦引導大眾關注退休及醫療保健的社會需求,並採用科技技術來實現虛擬投保。這些及時的舉措反映出保險科技是加強金融包容性及收窄監管差距的主要動力,而基於本地需求所出現的產品多樣性,亦有利於保險業穩定及持續發展。
他續指,新冠疫情可視作是保險業作結構性改進的獨特機會。數字化轉型的常見阻礙是慣性,而「新常態」卻從根本上改變客戶的心態。尚有待完成的工作是強化前線保險從業員的能力,並提供基礎設施以加快發展速度。
考慮到這些因素,當局自2月份起推出第二階段臨時便利措施,讓大眾可以在9月底止通過遙距方式購買一系列保險產品。在臨時便利措施之下,累計達成19,000份保單,涉及3億元新保費。數據亦顯示,這一組投保人的年齡層較低,反映保險科技的替代分銷能滲透到以往服務不足的細分市場,滿足潛在的需求。
為了滿足保險業界期望進一步擴大產品範圍,當局推出「保險科技沙盒」的試行項目。目前為止,已批准8個試驗項目,還有7個項目待審批。
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