每(mei)經記者｜袁園    每(mei)經編輯｜陳星     

圖片來源：視覺中國

8月(yue)21日，中國(guo)保(bao)(bao)(bao)險(xian)(xian)行業(ye)協(xie)會（以下簡稱(cheng)中保(bao)(bao)(bao)協(xie)）發布2018年(nian)上半(ban)年(nian)互(hu)聯網(wang)(wang)財產(chan)保(bao)(bao)(bao)險(xian)(xian)業(ye)務數據(ju)(ju)。數據(ju)(ju)顯示，2018年(nian)上半(ban)年(nian)，互(hu)聯網(wang)(wang)財產(chan)保(bao)(bao)(bao)險(xian)(xian)業(ye)務實(shi)現(xian)累計(ji)保(bao)(bao)(bao)費收入326.40億(yi)元(yuan)，占產(chan)險(xian)(xian)公司上半(ban)年(nian)所有渠道累計(ji)原(yuan)保(bao)(bao)(bao)險(xian)(xian)保(bao)(bao)(bao)費收入6024.18億(yi)元(yuan)（銀保(bao)(bao)(bao)監會網(wang)(wang)站數據(ju)(ju)）的5.42%，較同期(qi)提升0.91個百分點。

值得(de)注意的是，互聯(lian)網(wang)財(cai)險保費中(zhong)，車(che)險業(ye)(ye)務(wu)占比(bi)在下降，非(fei)車(che)險業(ye)(ye)務(wu)占比(bi)持續上升。數據顯示，非(fei)車(che)險業(ye)(ye)務(wu)在互聯(lian)網(wang)財(cai)險業(ye)(ye)務(wu)中(zhong)占比(bi)已經達(da)到(dao)44.75%。，其中(zhong)，增(zeng)長最快的是意外健康險和信用保證(zheng)保險業(ye)(ye)務(wu)。

保費收入326.4億元

從(cong)中保(bao)(bao)協(xie)披(pi)露的數據(ju)來看(kan)，2018年(nian)上(shang)半(ban)(ban)(ban)年(nian)，互(hu)聯網(wang)(wang)財(cai)(cai)產(chan)保(bao)(bao)險(xian)(xian)(xian)業務(wu)實現(xian)累(lei)(lei)計(ji)保(bao)(bao)費(fei)收(shou)入(ru)326.40億(yi)(yi)元(yuan)，占產(chan)險(xian)(xian)(xian)公司上(shang)半(ban)(ban)(ban)年(nian)所(suo)有(you)渠道累(lei)(lei)計(ji)原保(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)費(fei)收(shou)入(ru)6024.18億(yi)(yi)元(yuan)（銀(yin)保(bao)(bao)監會網(wang)(wang)站數據(ju)）的5.42%，較(jiao)(jiao)同期(qi)(qi)提升0.91個百分(fen)點；互(hu)聯網(wang)(wang)財(cai)(cai)產(chan)保(bao)(bao)險(xian)(xian)(xian)業務(wu)結束(shu)持(chi)續兩(liang)年(nian)負(fu)增長(chang)狀態，較(jiao)(jiao)同期(qi)(qi)發展回(hui)暖，且保(bao)(bao)持(chi)平(ping)穩增長(chang)，上(shang)半(ban)(ban)(ban)年(nian)累(lei)(lei)計(ji)互(hu)聯網(wang)(wang)財(cai)(cai)險(xian)(xian)(xian)業務(wu)同期(qi)(qi)增長(chang)率為(wei)37.29%，較(jiao)(jiao)產(chan)險(xian)(xian)(xian)公司所(suo)有(you)渠道業務(wu)同期(qi)(qi)增長(chang)率高出23.11個百分(fen)點。

從市場主體來(lai)看，2018年(nian)(nian)上半年(nian)(nian)，保(bao)費(fei)規(gui)模(mo)位居(ju)前八位的保(bao)險(xian)公司累(lei)計保(bao)費(fei)收入(ru)235.70億元(yuan)，CR8（指8個(ge)最大的企業占(zhan)有該市場的份額）為(wei)72.21%，較2017年(nian)(nian)同期(qi)(qi)提(ti)高(gao)(gao)0.17個(ge)百(bai)分點。保(bao)費(fei)規(gui)模(mo)位居(ju)前三位的為(wei)平(ping)安(an)產險(xian)、眾(zhong)安(an)保(bao)險(xian)和人(ren)保(bao)財險(xian)，累(lei)計保(bao)費(fei)收入(ru)為(wei)167.51億元(yuan)，CR3為(wei)51.32%，較2017年(nian)(nian)同期(qi)(qi)提(ti)高(gao)(gao)0.44個(ge)百(bai)分點。

不過，專業(ye)化的互聯(lian)網保(bao)險(xian)(xian)公司優勢逐步凸顯(xian)，在(zai)(zai)互聯(lian)網保(bao)險(xian)(xian)業(ye)務方面的保(bao)費占比(bi)也在(zai)(zai)上(shang)(shang)升。中保(bao)協數據(ju)顯(xian)示，2018年(nian)上(shang)(shang)半年(nian)，眾安(an)(an)保(bao)險(xian)(xian)、泰(tai)康在(zai)(zai)線、安(an)(an)心保(bao)險(xian)(xian)、易安(an)(an)保(bao)險(xian)(xian)4家專業(ye)互聯(lian)網保(bao)險(xian)(xian)公司實現(xian)累計保(bao)費收入78.13億元(yuan)，同比(bi)增長達(da)94.91%，占整體互聯(lian)網財險(xian)(xian)業(ye)務的23.94%，同比(bi)提升7.07個百分點。

值(zhi)得注意(yi)的(de)是(shi)，在(zai)互聯網(wang)(wang)財險保費收入(ru)中(zhong)一(yi)直占(zhan)大頭的(de)車(che)險業務(wu)，在(zai)上(shang)半年(nian)(nian)的(de)占(zhan)比(bi)有所下(xia)降。上(shang)半年(nian)(nian)累計互聯網(wang)(wang)車(che)險保費收入(ru)180.35億元(yuan)，同期(qi)增長(chang)15.38%，保持連續6月正增長(chang)，扭轉(zhuan)2016-2017年(nian)(nian)的(de)持續負增長(chang)狀態，且保持基(ji)本(ben)平穩狀態；上(shang)半年(nian)(nian)互聯網(wang)(wang)保險業務(wu)中(zhong)車(che)險業務(wu)占(zhan)比(bi)為(wei)55.25%，較同期(qi)下(xia)降10.49個百分點。

就(jiu)車險業(ye)務(wu)方面(mian)，傳統保險公司(si)仍舊占據優勢，尤其(qi)是(shi)財(cai)(cai)險老(lao)三(san)家。數據顯示，互聯(lian)網車險保費(fei)規模位居前三(san)位的是(shi)平安產(chan)險、人保財(cai)(cai)險和大地財(cai)(cai)險，該三(san)家公司(si)上半年(nian)累(lei)計保費(fei)收(shou)入為(wei)106.12億元(yuan)，CR3為(wei)58.84%，較2017年(nian)同期下降0.96個百分點。

非車險業務占比上升

在(zai)互聯(lian)網(wang)車險業務占(zhan)比(bi)下降的同(tong)時，互聯(lian)網(wang)非車險業務的占(zhan)比(bi)卻(que)在(zai)不(bu)斷(duan)攀升。上半年互聯(lian)網(wang)非車險保持持續穩健的發展態勢，累(lei)計(ji)保費收入(ru)為146.06億元，業務占(zhan)有率(lv)持續上升至(zhi)44.75%，同(tong)期(qi)增長10.49個百分點。

具(ju)體而言，非(fei)車險(xian)(xian)業務(wu)中，意外健康險(xian)(xian)累(lei)(lei)計(ji)保(bao)(bao)費(fei)收(shou)入(ru)為(wei)(wei)72.89億元，在互聯網(wang)財險(xian)(xian)整體業務(wu)中占比為(wei)(wei)22.33%，財產險(xian)(xian)累(lei)(lei)計(ji)保(bao)(bao)費(fei)收(shou)入(ru)為(wei)(wei)7.76億元，占比2.38%，責任險(xian)(xian)累(lei)(lei)計(ji)保(bao)(bao)費(fei)收(shou)入(ru)為(wei)(wei)13.07億元，占比4.00%，信用保(bao)(bao)證險(xian)(xian)累(lei)(lei)計(ji)保(bao)(bao)費(fei)收(shou)入(ru)為(wei)(wei)24.18億元，占比7.41%，其他非(fei)車險(xian)(xian)（主(zhu)要包括退貨(huo)運(yun)費(fei)險(xian)(xian)）累(lei)(lei)計(ji)保(bao)(bao)費(fei)收(shou)入(ru)為(wei)(wei)28.15億元，占比8.63%。

從發展趨(qu)勢看，意外(wai)(wai)健康險(xian)(xian)增長較快(kuai)。自2016年眾安保(bao)(bao)(bao)險(xian)(xian)推(tui)(tui)出高端醫療(liao)險(xian)(xian)，各保(bao)(bao)(bao)險(xian)(xian)主體(ti)紛(fen)紛(fen)試(shi)水(shui)推(tui)(tui)出同類(lei)(lei)型(xing)中高端醫療(liao)險(xian)(xian)產(chan)品，滿足(zu)了(le)很大一部分保(bao)(bao)(bao)險(xian)(xian)客戶對于健康類(lei)(lei)保(bao)(bao)(bao)險(xian)(xian)的(de)需求。中國保(bao)(bao)(bao)協(xie)7月(yue)份發布的(de)《2018年互聯網(wang)財產(chan)保(bao)(bao)(bao)險(xian)(xian)用(yong)戶調研報告》指出，超過97%的(de)保(bao)(bao)(bao)險(xian)(xian)用(yong)戶購買(mai)過新型(xing)保(bao)(bao)(bao)險(xian)(xian)產(chan)品，中高端醫療(liao)險(xian)(xian)在保(bao)(bao)(bao)險(xian)(xian)用(yong)戶中的(de)滲透率達49.4%。同時保(bao)(bao)(bao)險(xian)(xian)公司在續(xu)保(bao)(bao)(bao)條件、免賠(pei)額(e)、保(bao)(bao)(bao)額(e)、全(quan)家保(bao)(bao)(bao)、保(bao)(bao)(bao)險(xian)(xian)責任拓(tuo)展及智(zhi)能核保(bao)(bao)(bao)等方面持續(xu)創新，客戶服(fu)務體(ti)驗不斷提(ti)升，在一定程度上推(tui)(tui)動了(le)意外(wai)(wai)健康險(xian)(xian)產(chan)品的(de)拓(tuo)展。

中保(bao)協數據顯示，保(bao)費規(gui)模位居前(qian)三(san)位的是眾(zhong)安保(bao)險(xian)(xian)(xian)、國泰產險(xian)(xian)(xian)和人保(bao)財險(xian)(xian)(xian)，該(gai)三(san)家公司上半年(nian)累(lei)計保(bao)費收入為71.84億元，CR3為49.19%，較2017年(nian)同期下(xia)降1.53個百(bai)分點(dian)。

與互聯(lian)網(wang)(wang)車(che)險(xian)(xian)(xian)市(shi)場(chang)前三家公(gong)(gong)司(si)(si)(si)均為(wei)傳(chuan)統型保險(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)不(bu)一(yi)樣的(de)是，互聯(lian)網(wang)(wang)非(fei)車(che)險(xian)(xian)(xian)市(shi)場(chang)中，眾安保險(xian)(xian)(xian)、國(guo)泰產(chan)險(xian)(xian)(xian)等專(zhuan)業保險(xian)(xian)(xian)科技(ji)公(gong)(gong)司(si)(si)(si)的(de)市(shi)場(chang)優(you)勢(shi)進(jin)一(yi)步凸顯，憑借獨特優(you)勢(shi)，經營表(biao)現不(bu)俗。眾安保險(xian)(xian)(xian)上半(ban)年(nian)(nian)累(lei)計互聯(lian)網(wang)(wang)非(fei)車(che)險(xian)(xian)(xian)保費(fei)收入為(wei)46.75億(yi)元，占(zhan)整體(ti)互聯(lian)網(wang)(wang)非(fei)車(che)險(xian)(xian)(xian)業務的(de)32.00%；螞(ma)蟻金服(fu)控股后的(de)國(guo)泰產(chan)險(xian)(xian)(xian)從(cong)傳(chuan)統產(chan)險(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)向保險(xian)(xian)(xian)科技(ji)公(gong)(gong)司(si)(si)(si)戰略(lve)轉型，上半(ban)年(nian)(nian)互聯(lian)網(wang)(wang)非(fei)車(che)險(xian)(xian)(xian)累(lei)計保費(fei)收入為(wei)13.08億(yi)元，占(zhan)整體(ti)互聯(lian)網(wang)(wang)非(fei)車(che)險(xian)(xian)(xian)業務的(de)8.95%，較2017年(nian)(nian)同期增加(jia)5.05個百(bai)分點。