港股异动 | 内险股集体走高 分红型健康险时隔22年重新回归 有助提升保险产品吸引力

智通财经
Oct 10

智通财经APP获悉,内险股集体走高,截至发稿,新华保险(01336)涨3.11%,报48.46港元;中国太保(02601)涨3.02%,报31.4港元;中国人寿(02628)涨3.02%,报22.52;中国平安(02318)涨1.03%,报54.05港元。

消息面上,近日,金融监管总局印发《关于推动健康保险高质量发展的指导意见》,明确健康保险未来一段时间发展的总体思路和阶段性目标。其中提到,支持监管评级良好的保险公司开展分红型长期健康保险业务。这意味着分红型健康险时隔22年后再度回归市场。

东吴证券指出,2003年原保监会发文叫停分红型重疾险产品,此后只能设计为传统险。在预定利率连续下调的背景下,重新引导分红型健康险有序回归市场,将有助于提升产品吸引力,进一步激发健康险市场增长潜力。开源证券指出,健康险高质量发展意见发布,丰富产品供给、提升“产品+服务”的吸引力,有望带动各类健康险种新一轮发展机遇,险企利差损风险有望进一步降低,利好盈利能力和估值水平提升。

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