Initial projections by Allianz Research suggest that total global premium income rose to a new record high of EUR 3,650 billion last year (excluding health insurance). In a year-on-year comparison, the nominal increase - after adjustments to reflect foreign currency translation effects - comes to an estimated 4.4%. Without China, the insurance world would have achieved growth of only 2.7%.
The "China effect" was particularly pronounced in the life insurance business, where excluding the Chinese contribution from the equation would more than halve the rate of global growth from a respectable 4.7% to 2.3% in 2016, says the report.
From：Asian Insurance Review
中国：2016全球保险业47%的增量贡献来自于中国大陆保险市场
安联保险集团报告表明，去年接近一半的全球保险市场增量来自于中国保险市场。全球大约1500亿欧元（约1600亿美金）的附加保费仅中国市场就占了700亿欧元。此外，去年全球总保费收入上升到一个新的纪录，3.65万亿欧元（不含医疗保险）。同比之下，去除掉汇率变动影响的全球保险保费调整增长率估计有4.4%，如果没有中国，这个数据将仅为2.7%。
此外，安联的研究报告还指出，“中国效应”在寿险市场表现得更为明显，寿险市场如果去掉中国增长贡献，2016年寿险市场的增长率将从4.7%下降到2.3%。
来源：亚洲保险评论
Microinsurance: Farmers view risk differently from insurers
There is a gap between what the insurance industry believes to be risk and what the farmers in the fields view as risk, according to Mr Jimmy Loro, Senior Advisor at RFPI Asia, a regional programme that supports Asian insurance supervisory authorities to enhance enabling conditions for pro-poor insurance.
Speaking at the 9th Consultative Forum on microinsurance regulation for insurance supervisory authorities and insurance practitioners yesterday, Mr Loro elaborated on a study conducted in the Philippines regarding the top risks that rice farmers experienced.
He said: “We found out that the main issue was the high price of inputs and high cost of labour,” he said. “When you look at this study, there is no mention of weather risk. Farmers weren’t looking into the risks caused by natural catastrophes due to weather.”
This represents an ongoing challenge in agriculture insurance. “We’re still not really sure what the customer needs,” said Mr Craig Thorburn, Senior Actuary of Insurance Markets and Regulation at World Bank. “Particularly when we’re talking about financial inclusion we’re approaching a new section of customers that, by definition, we don’t understand.”
Source：Asian Insurance Review
小微保险：农民对于风险的认知和保险公司有分歧
3月9日，在第九届小微保险监管资讯论坛上，亚洲贫困人口保险监管框架促进会高级顾问JimmyLoro表示，根据最新在菲律宾对稻农面临风险问题的研究表明，保险公司和农民对于风险的认知和理解有明显分歧。
JimmyLoro指出：“当你看这份研究报告你会发现，稻农所反映的最大的问题是高投入成本和高人力成本，农民几乎不会提及天气所带来的风险，他们不会把风险归咎于天气引起的自然灾害。”
这表明在农业险种上我们正面临着一个问题“我们仍然不清楚客户的需求”。世界银行保险市场高级精算师CraigThorburn指出要重新认识农民群体的需求。
来源：亚洲保险评论
India:Regulator issues online insurance guidelines
Insurance regulator, IRDAI, has issued guidelines on insurance e-commerce, paving the way for electronic platforms that will market as well as service insurance products.
In a statement, IRDAI said that e-commerce is seen as an effective medium to increase insurance penetration and enhance financial inclusion in a cost efficient manner. The Authority as part of its developmental mandate, issues the guidelines to promote e-commerce in the insurance space which is expected to lower the costs of transacting insurance business and bring higher efficiencies and greater reach.
Entities registered with IRDAI, such as insurance companies or insurance intermediaries, are eligible to apply to set up an insurance self-network platform (ISPN), an electronic platform. This can be a web portal, mobile app or both.
Source：Asian Insurance Review
印度：监管机构发布新的线上保险指引
印度保险监管和发展局（IRDAI）发布了线上保险指引，为线上保险销售平台的搭建铺平了道路。
这份指引指出，电子商务技术被视为一种有效的、低成本的媒介用来提升保险普及率。推行电子商务平台发展线上保险，印度保险监管和发展局期望达成三个目的：一是降低保险交易成本；二是提高行业效率；三是提升保险触及率（普及程度）。
保险或保险中介等实体公司在IRDAI（印度保险监管和发展局）注册后，将有资格申请设立ISPN保险自有线上平台，网站、移动端APP或者两者同时设立。
来源：亚洲保险评论
Buffett: Self-driving cars could be negative for auto insurance companies
The self-driving car business could become a major threat to insurance companies when the technology hits the market, billionaire investorWarren Buffett told CNBC's "Squawk Box" on Monday.
"If they're safer, there's less in the way of insurance costs, [and] that brings down premium buy significantly," the investment guru said.
But disrupting an entire industry takes time, and the market will embrace self-driving cars slowly despite the immense amount of capital that tech companies are spending on their development, Buffett said.
"If I had to take the over and under [bet] 10 years from now on whether 10 percent of the cars on the road would be self-driving, I would take the under, but I could very easily be wrong," he said.
"It's something that billions and billions and billions are spent on, and brains are being involved in it, so it could easily come sooner than I think. And it will be negative for auto insurers," he continued.
Source：Asian Insurance Review
沃伦巴菲特：无人驾驶技术将对车险公司造成负面冲击
投资先锋沃伦巴菲特在SquawkBox节目中对美国财经媒体CNBC记者表示：“无人驾驶技术进入市场之后将成为车险公司重要的威胁。现在我们大量的资金和精力都投入在了无人驾驶技术的研发上，所以它也有可能比我想的来得更早。这对车险公司来说无疑是个负面消息。”
他补充道：“虽然技术研发公司花费大量的资金研究这项技术，但是技术扰乱整个车险市场仍然需要一段时间，在这个过程中，车险市场也会慢慢接受无人驾驶技术。如果让我赌一把，我觉得在今后十年内10%的车将会是无人驾驶车辆，但我也很可能是错的。”
投资专家也表示：“如果无人驾驶更加安全，保险费率会明显降低，利润也就会随之缩减很多。”
来源：亚洲保险评论
