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深圳擬設立前海跨境保險創新服務中心,港股保險板塊相信將受益

深圳銀保監局日前發出《前海跨境保險創新服務中心設立方案(徵求意見稿)》,擬於前海設立跨境保險創新服務中心,提供兩岸三地的保險產品諮詢、銷售和理賠等服務。《意見稿》指出,前海跨境保險中心可購買的產品,主要分三大類:一是不設現金價值的險種,如跨境車險、意外險等;二是與投保人健康相關,如醫療保、危疾保等;三是符合港澳可扣稅政策,如自願醫保及延期年金。實施方面,將是「兩步走」的方式。第一步,僅提供內地居民現有的存量香港保單的理賠服務。第二步,全方位發展保險代理諮詢、銷售及理賠服務,真正實現保險產品互聯互通。

《意見稿》指出,跨境保險創新服務中心,由符合條件的代理、經紀等持牌保險中介機構進駐,申請櫃檯配置人員,為跨境保險公司客戶提供承保、理賠、諮詢等保險中介服務,並鼓勵港澳地區具有相關資質的業務人員,入職服務中心中介機構。據香港保監局數據,截至2019年6月30日,登記的保險代理商共有2,395家,個人代理人則有73,277名,以及負責人及業務代表25,525名。

2019年8月初,中共中央、國務院印發《關於支持深圳建設中國特色社會主義先行示範區的意見》,明確要求深圳促進與港澳金融市場互聯互通和金融產品互認。同時,為跨境保險客戶提供便利服務,逐步實現粵港澳保險互聯互通也是《粵港澳大灣區發展規劃綱要》的重要內容之一。我們相信港股保險板塊將會受益,建議重點關注友邦保險(1299.HK)、保誠(2378.HK)及宏利金融-S(945.HK)。

撰稿: 段煉研究分析員
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+852 2277 6515

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leonduan@phillip.com.hk
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