Mission dangerous pieces were down 50 percent premium for small and medium enterprises into focus

January to August this year, insurance premium income in Shanghai Mission 6,640,000,000 yuan, up 28.4 percent. Although the growth achieved, but this year the Bank's life insurance market-driven security background, the market is still dangerous mission sound fairly "low-key."

It is noteworthy that, at every turn is different from the past, tens of millions of yuan on a single large insurance corporation, the corporation this year, insurance premiums are only pieces of 89,000 yuan over the same period last year decreased by 50%. To the trade, SME customers increased insurance premiums on the low side of the main group accident insurance premium is a main reason for the decline are.

Chinese capital to continue to stay ahead

Data show that the January to August, Chinese-funded corporation in Shanghai insurance premium income 5,420,000,000 yuan, accounting for 81.6 percent. The country's life insurance business at the Mission is still a strong market share reach 36%. The newly established Sino-British Grand Taihe Life shareholders to rely on the support of most of the power companies had a single mission, the market share of 10%, in one fell swoop over safety, companies such as Taikang.

Compared to the Chinese-funded insurance companies in the mission of the firm position of the market, foreign insurance corporation can only look on the body of SMEs. Italy's Life at 1.54 percent market share of foreign capital is already the highest-risk mission, and its mission of nearly 40 insurance marketing team to maintain its foreign missions in the risk of lead in one of the important factors.

Experts point out that this year the British Mission in Taihe large insurance business is the rise of a variable, but it is only on the old Chinese-funded insurance corporation market impact, such as security in the country had a lot of life and mission of Taibao one year to switch to the British Grand Taihe name. The risk of foreign corporations, market development is still no major improvement this year, coupled with the fact that many foreign companies prefer to bank Deputy Chong achievements business, insurance business corporations do not pay enough attention.

For small and medium enterprises into focus

Foreign corporations from foreign shareholders and more dangerous experience, the earlier position on the expansion of small and medium enterprises. If the allies, China and Hong, the Pacific (601,099, it shares) from time to time, companies such as Aetna held seminars welfare groups small and medium enterprises, or SMEs published report of the insurance corporation, in a variety of ways to enhance its visibility in the small and medium enterprises in.

And large enterprises in the insurance business college after eating some Chinese-funded companies have not given up small and medium enterprises. Country life insurance corporation of the Shanghai branch of the Department said, the college's Department of insurance has been set up small groups to carry out pre-business research, data analysis and targeted would be launched against some of the needs of the insurance portfolio of small and medium enterprises.

Italian Life Shanghai Branch said that in some small and medium-sized corporations bidding the project at risk, have been able to see a lot of Chinese-funded companies figure, and Chinese-funded companies and more to "tackle key problems or price" factors intervene, to take the risk of foreign missions To no small pressure. As a result, both to the mission of good insurance customers value-added services to become foreign corporations to maintain insurance renewal rate of the key.

Casualty groups favor

Small and medium enterprises with limited strength, can not put too high a premium, which led to the college this year were dangerous pieces of the decline in premiums. At the same time, insurance companies on the mission-oriented products have begun to shift to efficiency-oriented. Such as Pacific Life Insurance Company, and other groups to develop a clear risk of accidents, and pay a higher rate of medical insurance groups will be controlled. Although the single premium is not high, but by and large low-paid, group accident insurance is typically the benefits of insurance.

In comparison, the bodies of accident insurance coverage is very low threshold, it is better to have a greater need for medical insurance with the insurance and accident insurance groups claims more clear and easy to insurance companies to master. In the underwriting profit of the already worrying situation, insurance corporation for a considerable profit regardless of whether the risk.

Experts said that the group medical insurance reimbursement claims of the existence of enterprises, as well as limit the abuse of human factors such as reimbursement, health care organizations in recent years the growth in payments each year.

Data show that the January-August, the Shanghai medical health insurance payments amounted to 600,000,000 yuan, and accident insurance only 84,000,000. According to the Shanghai Branch of the Office of the Pacific Life disclosed that insurance corporation operations focused on claims of short-term medical insurance, although the single payment amount is not high, but a large number. A joint venture insurance corporation officials, who said that the short-term medical insurance claims cases account for the Mission insurance claims more than 80%.