Year 2021 - CHALLENGES OF COVID-19 AND SOLUTIONS FOR INSURANCE INDUSTRY 保險業在新冠疫情下的挑戰與應對方案

48 2020 年刊與 2021 展望 YEARBOOK 2020 & PROSPECT 2021 於 2020 年 12 月 31 日的保險市場結構 Insurance Market Structure as at 31 December 2020 獲授權的保險公司數目 Number of Authorised Insurers 長期 Long Term 53 一般 General 91 綜合 Composite 20 總數 Total 164 保險中介人數目 Number of Insurance Intermediaries 持牌保險經紀公司 Licensed Insurance Broker Companies 827 持牌保險經紀公司的業務代表 Licensed Technical Representatives of Insurance Brokers 10,998 持牌的保險代理人 Licensed Individual Insurance Agents 88,508 持牌保險代理人的業務代表 Licensed Technical Representatives of Insurance Agents 26,644 持牌的保險代理商 Licensed Insurance Agencies 2,336 概要 Highlights 2020 年度（百萬港元） Year 2020 (HK$ m) 2019 年度（百萬港元） 2019 (HK$ m) 變化 Change 一般業務 General Business 毛保費 Gross Premiums 60,297 55,669 +8.3% 淨保費 Net Premiums 40,932 37,650 +8.7% 承保利潤 /（虧損） Underwriting Profit/(Loss) 2,232 1,127 +98.0% 長期業務（新造業務 #） Long Term Business (New Business #) 保單保費 （不包括退休計劃） Office Premiums (exclude Retirement Scheme) 133,411 172,716 -22.8% 按業務類別劃分的保費組合 Composition of Premiums by Class of Business 按毛保費計的一般業務 General Business by Gross Premiums 按保費收入計的有效長期業務 Long Term Business (In-force Business) by Revenue Premiums 一般業務的毛保費 Gross Premiums of General Business （百萬港元） (HK $m) 意外及健康 Accident & Health 17,581 汽車 Motor Vehicle 6,264 貨運 Goods in Transit 1,559 財產損壞 Property Damage 12,443 一般法律責任 General Liability 13,930 金錢損失 Pecuniary Loss 4,704 其他 Others 3,816 總額 Total 60,297 按業務類別劃分的保費 Premiums by Class of Business 長期業務（有效業務）的保費收入 Revenue Premiums of Long Term Business (In-force Business) （百萬港元） (HK $m) 個人人壽及年金（非投資相連） Individual Life & Annuity (Non-linked) 463,861 個人人壽及年金（投資相連） Individual Life & Annuity (Linked) 27,720 其他個人業務 Other Individual Business 815 退休計劃團體業務 Retirement Scheme Group Business 50,748 非退休計劃團體業務 Non-retirement Scheme Group Business 4,943 總額 Total 548,087 2020 年香港保險業務臨時統計數字 2020 Provisional Statistics on Hong Kong Insurance Business * 新造業務包括整付及年度化保費，但不包括退休計劃業務的所有供款。 本報告所包含數字，是根據保險公司向保險業監管局提交的季度報表內申報的統計資料編 輯而成。該等資料屬臨時性質及未經審計，並且以曆年基礎計算。因此該等資料有可能經 最後審計而被修改。保險業監管局雖已適當謹慎地編輯該等統計數字，但對該等資料不會 作出任何保證或申述。更詳盡的臨時統計數字資料可從保險業監管局處的網頁下載。 * New business includes single revenue premiums and annualised premiums, but excludes all contributions from retirement scheme business. Statistics contained herein are compiled from statistical information provided by insurers in their quarterly returns to the IA. The statistics are provisional and unaudited, and prepared on a calendar year basis. There is therefore a possibility of amendments before the final audited figures are produced. While due care is taken in the compilation of the statistics, the IA disclaims any warranties or representations of any kind with regard to such information. More details of the provisional statistics are available for downloading at the Insurance Authority's website. 意外及健康 Accident & Health 29% 汽車 Motor Vehicle 10% 貨運 Goods in Transit 3% 其他 Others 6% 金錢損失 Pecuniary Loss 8% 一般法律責任 General Liability 23% 財產損壞 Property Damage 21% 個人人壽及年金 （非投資相連） Individual Life and Annuity (Non-Linked) 84.6% 非退休計劃團體業務 Non-Retirement Scheme Group Business 0.9% 退休計劃團體業務 Retirement Scheme Group Business 9.3% 其他個人業務 Other Individual Business 0.1% 個人人壽及年金 （投資相連） Individual Life and Annuity (Linked) 5.1% ＃新造人壽業務的數字並不包括退休計劃業務。 Figures for long term new business exclude retirement scheme business.