港股异动 | 内险股集体回暖 分红险走俏 预定利率连续下调重新引导分红型健康险回归

智通财经
Oct 14, 2025

智通财经APP获悉,内险股集体回暖,截至发稿,新华保险(01336)涨5.24%,报49.06港元;中国人寿(02628)涨3.43%,报22.32;中国太保(02601)涨1.88%,报31.4港元;中国平安(02318)涨1.72%,报53.35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。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。该行认为,在预定利率连续下调背景下,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。

值得关注的是,据财联社报道,有银保客户经理表示,8月底人身险预定利率下调前,保险产品曾出现一波销售高峰,预定利率下调后,产品销售不可避免有一定影响。但逆势而走的是,产品预定利率下调后,分红型产品因仅下调0.25%,降幅较小,成为当前消费者的较优选择。多位保险业内人士表示,预定利率下调后,分红型产品仅下调25BP,与传统型人身险产品的预定利率上限差距进一步收窄至25BP,再叠加浮动收益的弹性空间,产品相对竞争优势进一步提升。

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