Year 2022 - Digital business platforms and insurance intermediaries GO HAND IN HAND 數碼營商平台與保險中介業並駕齊驅

54 2021 年刊與 2022 展望 YEARBOOK 2021 & PROSPECT 2022 於 2022 年 3 月 31 日的保險市場結構 Insurance Market Structure as at 31 Mar 2022 獲授權的保險公司數目 Number of Authorised Insurers 長期 Long Term 53 一般 General 90 綜合 Composite 19 總數 Total 162 保險中介人數目 Number of Insurance Intermediaries 持牌保險經紀公司 Licensed Insurance Broker Companies 815 持牌保險經紀公司的業務代表 Licensed Technical Representatives of Insurance Brokers 11,121 持牌的保險代理人 Licensed Individual Insurance Agents 84,916 持牌保險代理人的業務代表 Licensed Technical Representatives of Insurance Agents 25,185 持牌的保險代理商 Licensed Insurance Agencies 2,084 2021 年香港保險業務臨時統計數字 2021 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. 概要 Highlights 2021 年度（百萬港元） Year 2021 (HK$ m) 2020 年度（百萬港元） Year 2020 (HK$ m) 變化 Change 一般業務 General Business 毛保費 Gross Premiums 61,835 60,297 +2.6% 淨保費 Net Premiums 41,490 40,932 +1.4% 承保利潤 /（虧損） Underwriting Profit/(Loss) 1,958 2,232 -12.3% 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) 166,800 133,411 +25.0% 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 17,558 汽車 Motor Vehicle 5,421 貨運 Goods in Transit 1,652 財產損壞 Property Damage 13,212 一般法律責任 General Liability 14,173 金錢損失 Pecuniary Loss 5,870 其他 Others 3,949 總額 Total 61,835 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) 446,572 個人人壽及年金（投資相連） Individual Life & Annuity (Linked) 44,623 其他個人業務 Other Individual Business 808 退休計劃團體業務 Retirement Scheme Group Business 43,925 非退休計劃團體業務 Non-retirement Scheme Group Business 4,916 總額 Total 540,844 意外及健康 Accident & Health 28% 汽車 Motor Vehicle 9% 貨運 Goods in Transit 3% 其他 Others 6% 金錢損失 Pecuniary Loss 10% 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) 82.6% 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 8.1% 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) 8.3% ＃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.