人保财险在新能源车险领域的探索取得显著进展。1该公司2024年率先实现新能源家用车险承保盈利，2025年整体综合成本率从约105%降至100%以下。1截至2026年上半年，人保财险承保新能源汽车约806万辆，同比增长31%；车险综合成本率达到93.5%，同比下降0.7个百分点。1
尽管头部险企逐步实现盈利，整个保险业在新能源汽车领域仍面临挑战。12025年保险业承保新能源汽车4358万辆，保费收入1900亿元，但仍承保亏损56亿元；其中143个车系的赔付率超过100%。12026年上半年新能源商业车险签单保费约784亿元，同比增长约19%，有效报案件数增长约23%，已结赔款增长约32%。1
险企实现盈利的关键在于数据积累和细化定价。1配置高级驾驶辅助系统（ADAS）的车辆出险率比未配置车辆低两个多百分点；旧车出险率比新车低近18个百分点，旧车占比同比提高约1个百分点。12026年上半年，人保集团科技活动保险保费同比增长约19%，服务科技企业超过26万家，科技保险责任金额约28万亿元。1中国集成电路共保体到2024年底累计为30家企业提供超过4万亿元风险保障，支付赔款约3亿元。12026年3月，人保财险联合18家机构签发全国首张无人驾驶航空器责任保险强制投保试点保单，保障194架无人机，风险保障4260万元。1
China's insurance industry has reached a critical turning point in new energy vehicle insurance after years of exploration and data accumulation. People's Insurance Company of China (PICC) achieved underwriting profitability on new energy household vehicle insurance in 2024, with the combined cost ratio for new energy vehicle insurance dropping below 100% in 2025 1. By the first half of 2026, PICC's overall vehicle insurance combined cost ratio stood at 93.5%, down 0.7 percentage points year-over-year, while the company insured approximately 8.06 million new energy vehicles, representing 31% growth 1.
Despite individual insurer progress, the broader market remains challenged. The insurance industry insured 43.58 million new energy vehicles in 2025 with premium income of 190 billion yuan, yet still recorded a combined underwriting loss of 5.6 billion yuan, with 143 vehicle models exceeding 100% loss ratios 1. Commercial new energy vehicle insurance premiums reached approximately 78.4 billion yuan in the first half of 2026, growing about 19% year-over-year, with effective reported claims increasing approximately 23% and settled claim payments rising about 32% 1.
Leading insurers have identified key factors driving profitability improvements. Vehicles equipped with Advanced Driver Assistance Systems (ADAS) demonstrate loss ratios more than two percentage points lower than unequipped vehicles, while used vehicles show loss ratios approximately 18 percentage points lower than new vehicles, with used vehicle market share increasing about 1 percentage point year-over-year 1. These findings have enabled insurers to refine pricing strategies through expanded coverage scales and accumulated data analysis.
Beyond automotive insurance, PICC's technology insurance portfolio expanded significantly, with science and technology activity insurance premiums growing approximately 19% in the first half of 2026, serving over 260,000 technology enterprises with approximately 28 trillion yuan in total insured liability 1. The China Integrated Circuit Consortium provided risk protection exceeding 4 trillion yuan to 30 enterprises by the end of 2024, paying out approximately 300 million yuan in claims 1. In March 2026, PICC and 18 partner institutions issued China's first mandatory liability insurance for unmanned aerial vehicles, protecting 194 drones with 426 million yuan in risk coverage 1.
评论
还没有评论，欢迎留下第一条。