You are browsing the Hong Kong website, Regulated by Hong Kong SFC (CE number: BJA907). Investment is risky and you must be cautious when entering the market.
惠譽:河南洪災相關索賠將令內險盈利受壓
評級機構惠譽表示,河南省洪災導致的保險索賠將令中國非壽險保險公司今年的承保利潤率進一步承壓。洪災相關索賠雖仍在發展中,惠譽預計,目前汛情帶來的保險索賠金額將逾80億元人民幣(下同),約佔去年中國非壽險原保費總額的0.7%。

惠譽認爲,隨着洪災導致的報案數量持續激增,將令保險業面臨鉅額理賠。來自機動車、財產、意外傷害及農業等險種的索賠或佔很大一部分。視乎再保險結構、承保限額及免責條款等再保險安排,惠譽預計,原保險公司應能從再保險公司收回洪災造成的部分承保損失。惠譽授評的非壽險保險公司的自留風險比率在70%到98%之間。

2020年9月實施車險綜合改革後,原保險公司的理賠負擔很可能因巨災風險納入車險條款而有所加重。若原保險公司未就其車險組合安排巨災再保險,則可能面臨更高的理賠金額。

據中國人保(01339.HK)初步預計,公司截至2021年7月25日的洪災相關賠付金額可能達約20億元。中國平保(02318.HK)亦指,根據截至7月23日接到的理賠報案,公司與河南洪災有關的賠付金額可能超過10億元。

然而,河南省的保險滲透率低於京滬等主要城市的水平,這可能令保險行業的理賠負擔有所減輕。保險監管機構的統計數據顯示,去年河南省非壽險保費爲爲571億元,約佔中國非壽險市場保費總額的4.8%,佔該省GDP的1%。

Follow us
Find us on Facebook, Twitter , Instagram, and YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!
Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of this article is for reference only. It does not constitute an offer, solicitation, recommendation, opinion or guarantee of any securities, financial products or instruments.The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance.
uSMART
Wealth Growth Made Easy
Open Account