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現行《互聯網保險業務監管暫行辦法》（以下簡稱《暫行辦法》）實施三年(nián)已經到期，政策修訂工(gōng)作正悄然展開。10月18日(rì)，北京商報記者從(cóng)業内**獲悉，銀保監會近日(rì)向原保監會機(jī)關各部門(mén)、各保監局下發《互聯網保險業務監管辦法（草稿）》征求意見(jiàn)的函（以下簡稱《征求意見(jiàn)稿》）。在此次《征求意見(jiàn)稿》中，銀行類保險兼業代理(lǐ)機(jī)構可(kě)在其自(zì)營網絡平台開展互聯網保險業務成爲一大(dà)亮點，放(fàng)開銷售區域的經營險種也增加了除長期護理(lǐ)保險和報銷型醫療保險外的健康險、養老年(nián)金保險、稅延養老保險等。
銀行兼業代理(lǐ)機(jī)構資格或放(fàng)開
北京商報記者了解到，當前，銀保監會正在積極推進互聯網保險監管各項工(gōng)作，并已于9月30日(rì)向業内下發《關于繼續加強互聯網保險監管有關事(shì)項的通知》，原保監會2015年(nián)7月發布的《暫行辦法》繼續有效。
根據銀保監會此次發布的《征求意見(jiàn)稿》，互聯網保險業務是指保險公司、保險中介機(jī)構依托互聯網和移動通信等技術(shù)，通過自(zì)營網絡平台、第三方網絡平台等訂立保險合同、提供保險服務的業務。除了保險公司和保險中介機(jī)構外，其他(tā)機(jī)構或個人(rén)不得(de)經營互聯網保險業務。而保險公司、保險中介機(jī)構的從(cóng)業人(rén)員(yuán)也不得(de)以個人(rén)名義經營互聯網保險業務。
北京商報記者注意到，在此次《征求意見(jiàn)稿》中，銀行類保險兼業代理(lǐ)機(jī)構可(kě)在其自(zì)營網絡平台開展互聯網保險業務成爲一大(dà)亮點。但(dàn)不得(de)借助第三方網絡平台開展互聯網保險業務。
一位保險公司互聯網保險業務部負責人(rén)對北京商報記者表示：“目前在實踐中，工(gōng)、農、中、建、招、郵儲等大(dà)型銀（郵）兼業代理(lǐ)機(jī)構已經大(dà)量地通過自(zì)身(shēn)互聯網平台——網銀、手機(jī)銀行、銀行官方網站(zhàn)銷售保險産品。所以将銀（郵）兼業代理(lǐ)機(jī)構納入本辦法存在促進、規範互聯網保險業務發展的合理(lǐ)性與必要性。”
“銀（郵）兼業代理(lǐ)機(jī)構與專業中介機(jī)構在監管分(fēn)類中都(dōu)同樣由銀保監會中介監管機(jī)構監管；銀（郵）兼業代理(lǐ)機(jī)構與專業中介機(jī)構在代理(lǐ)保險業務過程中也實際開展同類型業務，即互聯網保險業務，所以在同一個監管機(jī)構監管下，也事(shì)實上開展同類型業務應當适用同樣的監管原則與規則。基于銀（郵）兼業代理(lǐ)機(jī)構已經在開展互聯網保險代理(lǐ)業務過程中，形成了符合監管規定的流程、運營規則等，将銀（郵）兼業代理(lǐ)機(jī)構納入本辦法管理(lǐ)範疇可(kě)以形成互聯網保險代理(lǐ)監管的有效‘閉環’。”上述負責人(rén)認爲。
稅延養老險銷售區域有望擴大(dà)
根據此前發布的《暫行辦法》，意外險、定期壽險和普通型終身(shēn)壽險可(kě)以在互聯網銷售方面突破經營區域限制。而此次銀保監會在修訂《征求意見(jiàn)稿》時，是否會放(fàng)開其他(tā)險種的經營資格成爲業内探討(tǎo)的一大(dà)話(huà)題。
北京商報記者了解到，在互聯網保險可(kě)經營的産品和區域方面，《征求意見(jiàn)稿》要求，保險公司在具有相(xiàng)應内控管理(lǐ)能力且能滿足客戶服務需求的情況下，可(kě)将人(rén)身(shēn)意外傷害保險、定期壽險和普通型終身(shēn)壽險、除長期護理(lǐ)保險和報銷型醫療保險外的健康險、養老年(nián)金保險、稅延養老保險可(kě)在未設立分(fēn)公司的省、自(zì)治區、直轄市經營的險種範圍。
與《暫行辦法》相(xiàng)比，除長期護理(lǐ)保險和報銷型醫療保險外的健康險、養老年(nián)金保險、稅延養老保險均爲新增加險種。此外，“投保人(rén)或被保險人(rén)爲個人(rén)的家庭财産保險、責任保險、信用保險和保證保險”、“能夠獨立、完整地通過互聯網實現銷售、承保和理(lǐ)賠全流程服務的财産保險業務”等互聯網保險業務經營區域也可(kě)擴展至未設立分(fēn)公司的省、自(zì)治區、直轄市。
一位保險業内人(rén)士分(fēn)析認爲，此次有望放(fàng)開的“除長期護理(lǐ)保險和報銷型醫療保險外的健康險、養老年(nián)金保險、稅延養老保險”三類險種後期客戶服務内容均可(kě)在線進行處理(lǐ)。如(rú)養老金領取、續期服務、退保等流程，客戶無須親自(zì)到保險公司的分(fēn)支機(jī)構辦理(lǐ)即可(kě)辦理(lǐ)。理(lǐ)賠調查流程也極爲簡化，并可(kě)以将整個理(lǐ)賠流程放(fàng)到線上，與客戶聯系和寄送資料也可(kě)以通過電話(huà)及郵寄處理(lǐ)。此外，上述三類保險理(lǐ)賠頻率較低，降低了需要實地理(lǐ)賠調查的可(kě)能性。
在互聯網保險産品方面，銀保監會要求：“保險公司應加強管理(lǐ)，選擇适合互聯**性的保險産品開展經營。保險公司應用互聯網技術(shù)、數據分(fēn)析技術(shù)等開發适應互聯網經濟需求的新産品，在保險條款、費率等方面可(kě)以與傳統保險有所差别，但(dàn)不得(de)違反社會公德、保險基本原理(lǐ)及相(xiàng)關監管規定。”
違規經營将面臨處罰
事(shì)實上，在原保監會發布《暫行辦法》以來(lái)，互聯網保險業務持續健康發展，服務能力也不斷增強。但(dàn)經營中所涉及違規、“打擦邊球”的問(wèn)題并不少見(jiàn)。
如(rú)10月18日(rì)，就(jiù)有互聯網保險公司因爲信息披露不符合相(xiàng)關規定以及誤導宣傳被銀保監會督促整改。如(rú)泰康在線就(jiù)因經營的“大(dà)病無憂寶”保險産品在支付寶平台的宣傳頁面内容，包括“不限病種，突破醫保限制”、“不限用藥”、“不限治療方式”等，存在與該險種備案條款《泰康在線财産保險股份有限公司個人(rén)中高端醫療保險（2017版）條款》不相(xiàng)符的情況，違反了《暫行辦法》而被銀保監會責令全面排查整改，整改完成前不得(de)繼續銷售該保險産品。
百年(nián)人(rén)壽2017年(nián)11月1日(rì)開始銷售“百年(nián)尊易保費用補償醫療保險”（以下簡稱“尊易保”）産品，但(dàn)截至2018年(nián)3月20日(rì)，該公司仍未将“尊易保”産品信息放(fàng)在官方網站(zhàn)“互聯網保險信息披露專欄”中，違反了《暫行辦法》第九條被監管機(jī)構要求全面排查整改，在整改完成前不得(de)繼續銷售相(xiàng)關保險産品。
在此次的《征求意見(jiàn)稿》中，銀保監會就(jiù)對信息披露與廣告宣傳管理(lǐ)做了詳細規定，如(rú)開展互聯網保險業務的保險公司、保險中介機(jī)構，應在其官方網站(zhàn)等顯著位置建立互聯網保險信息披露專欄。另外，保險廣告宣傳内容還(hái)要與保險合同條款保持一緻，不得(de)錯誤解讀(dú)監管政策，不得(de)使用或者變相(xiàng)使用監管機(jī)構及其工(gōng)作人(rén)員(yuán)的名義或形象作商業宣傳。
中國經濟網（來(lái)源）
From :businessinsuranceU.S. commercial property/casualty rates rose 5% on average in the fourth quarter of 2019, up from 4% in the third quarter, reflecting insurers’ intent to continue to increase prices across most lines, online insurance exchange MarketScout Corp. said Monday.“Auto rate increases have been up all year long; however D&O (directors & officers) and professional rate increases have spiked significantly in the fourth quarter,” Richard Kerr, CEO of MarketScout Corp. said in a statement.Insurers are carefully analyzing their property exposures using catastrophe modeling tools, he said. “We expect many of the major property catastrophe insurers to curtail their 2020 writings in California brush and East and Gulf Coast wind areas. Naturally, this will result in higher rates to insureds,” Mr. Kerr said.D&O liability rates increased by 8.25%, while commercial auto increased 8% in the quarter, and professional liability rates were up 6%, and umbrella/excess rates were up 5.5%, according to MarketScout.Commercial property rates increased 5.25% in the quarter, and business interruption rates were up 5%, while all other lines showed smaller increases, except for workers compensation, where rates fell 1%, MarketScout said.By industry class, transportation and habitational saw the highest average rate increases at 9% and 8.25% respectively, MarketScout said.Large accounts – those with $250,001 to $1 million in premium – saw a rate hike of 5.5% in the fourth quarter, as did jumbo accounts, which have more than $1 million in premium. Small accounts – those with up to $25,000 in premium – were up 5%, while medium accounts – those with $25,001 to $250,000 in premium – were up 4.5%.The “steady trend” of upward rates reflects insurers’ plans to continue increasing prices across all lines except for workers compensation, MarketScout said.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
From :insurancejournalIt was a relatively quiet year for the Southeast in terms of major catastrophes compared with 2018 when Hurricane’s Michael and Florence caused major damage in the region. This year, Hurricane Dorian sideswiped the Southeast coast and made landfall on the Outer Banks of North Carolina but most of the area was spared. Still, Aon said economic damage in the U.S. and Canada was poised to approach a combined $1.5 billion.Florida spent the year recovering from Hurricane Michael, which was upgraded to a Category 5 storm by NOAA in April. Florida officials have repeatedly called on the insurance industry to speed up the recovery process, with nearly 12% of claims still open a year after the storm hit.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
From:businessinsuranceeinsurance renewals at Jan. 1, 2020, mainly saw single-digit increases, with some exceptions, according to reports by reinsurance brokers released Thursday.Willis Re, the reinsurance brokerage of Willis Towers Watson PLC, and Guy Carpenter & Co. LLC, a unit of Marsh & McLennan Cos. Inc. both reported that year-end reinsurance renewals varied by account and region, but the retrocessional reinsurance was under pressure.Rates on line for property catastrophe reinsurance programs remained stable and property per risk pricing was driven by individual program performance, the Willis report said.Although some Lloyd’s of London syndicates took firm positions on rate increases and the London market authorized capacity decreased, that capactiy was replaced by new capital and a strong supply from other markets, Willis Re said.U.S. loss-free accounts renewed at flat to up 10% while those with losses saw increases of 10% to 50%, the Willis Re report said, which was among the largest increases. Property catastrophe accounts without losses renewed at flat to up 5%, while loss hit accounts were up 10% to 20%, Willis Re said.According to the Guy Carpenter report, the brokerage’s global property catastrophe rate on line index rose 5% in 2019.According to the Willis Re report, other large increases were seen in Central and Eastern Europe, where property programs with losses saw increases of 5% to 20%, and Canada, where such accounts renewed up 10% to 40%.Most other regions and countries saw property increases in the single or low double digits, the report said.The Jan. 1 renewals saw some “difficult” negotiations, according to a letter in the report from James Kent, global CEO, Willis Re.The Guy Carpenter report said the reinsurance market was “asymmetrical,” adding “this is certainly not a one-size-fits-all market” and while overall capacity remained adequate, “allocated capacity tightened notably in stressed classes.”Dedicated reinsurance capital rose 2% in 2019 and the year saw approximately $60 billion in global insured catastrophe losses, according to Guy Carpenter, which was significantly lower than 2017 and 2018.Alternative capital, however, contracted by approximately 7% percent “as investors were more cautious with new investments after assessing market dynamics and pricing adequacy,” Guy Carpenter said.The retrocession market “was challenged … by trapped capital, a lack of new capital and continued redemptions from third-party capital providers,” a statement issued with the Guy Carpenter report said.However, significant retrocession providers returned to the market in the past two weeks, Willis Re said.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
Major information technology companies in India are running the risk of termination of their $1 billion contracts following Boeing Co.’s decision to halt the production of its 737 Max jets, MoneyControl reported citing the Business Standard. Companies like Tata Consultancy Services Ltd., Infosys Ltd., HCL Technologies Ltd., Cyient Ltd. and L&T Technology Services Ltd. have outsourcing contracts with Boeing or its suppliers and Boeing’s jet crisis is expected to affect these IT companies in the short run.From:businessinsuranceOrganizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
France-based eyewear maker Essilor International S.A. has discovered fraudulent activities at one of its factories in Thailand that could cause €190 million ($213 million) in financial losses to the company, The Irish Times reported citing Reuters. The company has filed complaints in Thailand and has fired all the involved employees. It hopes to recover the losses from frozen bank accounts, insurance and lawsuits.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
