Gross premium for general insurance grew 10.3% in 1H22

The general insurance industry registered an increase in gross direct premium of 10.3% to RM9.8 billion for the first half of 2022 (1H22) compared with the same period last year, according to the General Insurance Association of Malaysia (PIAM).

根据马来西亚一般保险业协会(PIAM)的数据，与去年同期相比，2022 年上半年（1H22）普通保险业的直接保费总额增长 10.3% 至 98 亿令吉。

In a statement, PIAM said motor insurance remained as the largest line of business at 43% share, followed by fire insurance (29%) and miscellaneous (14%).

PIAM 在一份声明中表示，汽车保险仍然是最大的业务，占 43% 的份额，其次是火灾保险（29%）和杂项保险（14%）。

PIAM said the premium for personal accidents saw a significant growth of 44% year-on-year, largely due to the Perlindungan Tenang voucher programme launched in conjunction with the Ministry of Finance.

PIAM 表示，人身意外险保费同比大幅增长 44%，这主要归功于与财政部联合推出的 Perlindungan Tenang 代金券计划。

The premium for fire insurance in 1H22 increased by 5% to RM2 billion, with its underwriting profit improving by 23%.

1H22 火险保费增加 5% 至 20 亿令吉，承保利润增加 23%。

The premium for marine aviation and transit insurance also notched up 7% to RM900 million in 1H22, while medical and health insurance contracted 6% to RM550 million.

海上航空和过境保险的保费在 1H22 也上涨 7% 至 9 亿令吉，而医疗和健康保险的保费则下跌 6% 至 5.5 亿令吉。

PIAM said underwriting profit contracted by 21.2% to RM810 million during the six months, largely due to losses in motor and medical and health insurance lines of business.

PIAM 表示，这六个月的承保利润收缩 21.2% 至 8.1 亿令吉，主要是由于汽车、医疗和健康保险业务的亏损。

"Daily claims payout amount for the general insurance industry was RM15.2 million in 2021 where motor daily claims payout represented a significant majority of the total at RM12 million per day," it added.

“到 2021 年，一般保险业的每日索赔支付额为 1520 万令吉，其中汽车每日索赔支付占每天 1200 万令吉总额的绝大部分，”它补充说。

More consumers buying insurance on perceived flood risks

越来越多的消费者为感知到的洪水风险购买保险

Citing raised consumer awareness of the risks of damage to property and assets from flash floods in recent memory, PIAM said motor (comprehensive) flood take-up rate more than doubled in 1H22 to 12% compared with the take-up rate of 5% for the full 2021.

PIAM指出，近年来，消费者对暴洪对财产和资产造成损害的风险的认识有所提高，电机(综合)洪水的占有率在今年上半年翻了一倍多，达到12%，而2021年全年的占有率为5%。

Fire (material damage) flood take-up rate also increased slightly to 31% in 1H22 compared with 30% for the full 2021.

火灾（物质损失）洪水占有率在 1H22 也略有增加，达到 31%，而 2021 年全年为 30%。

Meanwhile, PIAM said the average premium reduced for motor third party fire & theft insurance, with a contraction of 0.1% effective rate per annum, and significantly so for the motor third party, with a contraction of 4% effective rate per annum, in the past five years.

与此同时，PIAM表示，汽车第三方火灾和盗窃保险的平均保费下降了，每年的有效费率下降了0.1%，而汽车第三方的平均保费下降明显，在过去5年里每年的有效费率下降了4%。

"Over any comparative time periods observed above, motor [third party] saw the sharpest drop in average premium. The average premium for TP was 31% cheaper in 1H22 (at RM103) compared with 10 years ago in 2013 (RM149) thus benefitting the B40 segment of society," the association said.

“在上面观察到的任何比较时间段内，汽车 [第三方] 的平均保费下降幅度最大。与 10 年前的 2013 年（149 令吉）相比，1H22 的 TP 平均保费（103 令吉）便宜了 31%，从而使B40社会阶层受益，”该协会说。

It added that average premium has increased marginally for motor comprehensive policies over the past five years, growing at 0.5% effective per annum. Still, the figure has fallen far short of keeping pace with inflation rate over the same period.

它补充说，在过去五年中，汽车综合保单的平均保费略有增加，每年有效增长 0.5%。尽管如此，这一数字仍远远未能与同期的通胀率保持同步。