Year 2026 - AI and Insurance Intermediaries 人工智能時代下的保險中介轉型之路

64 2025 年刊與 2026 展望 YEARBOOK 2025 & PROSPECT 2026 於 2025 年 9 月 30 日的保險市場結構 Insurance Market Structure as at 30 Sept 2025 獲授權的保險公司數目 Number of Authorised Insurers 長期 Long Term 51 一般 General 86 綜合 Composite 19 特定目的業務 3 總數 Total 159 保險中介人數目 Number of Insurance Intermediaries 持牌保險經紀公司 Licensed Insurance Broker Companies 799 持牌保險經紀公司的業務代表 Licensed Technical Representatives of Insurance Brokers 12,411 持牌個人保險代理 Licensed Individual Insurance Agents 81,590 持牌保險代理人的業務代表 Licensed Technical Representatives of Insurance Agents 23,537 持牌的保險代理商 Licensed Insurance Agencies 1,483 二零二五年一月至九月香港保險業務臨時統計數字 January - September 2025 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 二零二五年一月至九月（百萬港元） January - September 2024 (HK$ m) 二零二四年一月至九月（百萬港元） January - September 2023 (HK$ m) 變化 Change 一般業務 General Business 毛保費 Gross Premiums 82,912 75,017 +10.5% 淨保費 Net Premiums 56,008 51,716 +8.3% 承保利潤 /（虧損） Underwriting Profit/(Loss) 3,513 2,156 +62.9% 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) 264,452 169,595 +55.9% 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 29,165 汽車 Motor Vehicle 7,632 貨運 Goods in Transit 6,021 財產損壞 Property Damage 21,725 一般法律責任 General Liability 7,659 金錢損失 Pecuniary Loss 3,974 僱員補償 Employees' Compensation 6,736 總額 Total 82,911 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) 非相連長期個人業務 Non-Linked Long Term Individual Business 488,200 相連長期 (C 類別 ) Linked Long Term (Class C) 21,500 退休計劃團體業務 Retirement Scheme Group Business 39,000 非退休計劃團體業務 Non-retirement Scheme Group Business 5,400 總額 Total 554,100 意外及健康 Accident & Health 35.1% 汽車 Motor Vehicle 9.2% 船舶 , 航空及運輸 Marine, Aviation, and Transport 7.3% 金錢損失 Pecuniary Loss 4.8% 一般法律責任 General Liability 9.2% 僱員補償 Employees' Compensation 8.1% 財產損壞 Property Damage 26.2% 非相連長期個人業務 Non-Linked Long Term Individual Business 88.1% 非退休計劃團體業務 Non-Retirement Scheme Group Business 1% 退休計劃團體業務 Retirement Scheme Group Business 7% 相連長期 (C 類別 ) Linked Long Term (Class C) 3.9% ＃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.