OECD 保险市场统计数据2020.pdfVIP

Insurance Markets in Figures June 2020 COVID-19 may curb the positive premium and investment income growth of insurers The positive premium and investment income growth in 2019 for most insurers may not be maintained in 2020 as insurers face the economic and social implications of COVID-19 (Box 1). Box 1. Preliminary outlook for 2020 The global spread of COVID-19 in 2020 has created major challenges around the world, with individuals at risk of being infected by a contagious and deadly virus and many businesses shut down for public health purposes. This global health and economic crisis is also set to have an impact on insurance companies. They are likely to face changes in the demand for insurance policies and claims experience as well as impacts on the value of the assets that they hold to meet their obligations to policyholders . Available data for Q1 2020 show the impact on premium growth varying from country to country. For example, quarterly data from the Australian Prudential Regulation Authority (APRA) shows a decrease in gross premiums written for commercial motor vehicle and for professional indemnity in Q1 2020 compared to Q4 2020. The US NAIC’s snapshot for Q1 2020 shows a 4.5% increase in net premiums written for property and casualty compared to Q1 2019. This trend is likely to change from Q2 2020 onwards due to the economic impact of confinement measures implemented in US states in the latter part of Q 1. Some initiatives from the industry around the world, such as partial refunds or rebates of premiums paid for coverages less likely to incur claims as a result of the lockdown or deferral of premium payments, may also influence trends in premiums (See OECD note “Responding to the Covid-19 and pandemic prote