陕西保险业前三季度累计保费收入1205.06亿元

华商网11-26

保险行业正在升级为千家万户的“安全网”和经济发展的“稳定器”。今年前三季度，陕西保险业在低利率市场环境和行业深度转型的背景下，实现了保费收入1205.06亿元，同比增长7.14%，较去年同期上涨0.87个百分点。这一数据背后，是陕西保险业正从规模扩张向质量提升的战略转型。业内人士分析，在保费规模稳步增长的同时，陕西保险业更加注重优化供给结构，提升服务质量，引导保险保障功能深入实体经济的关键领域和...

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yuan","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"82318":0.6,"601318":0.6,"02318":0.9,"HPAD.SI":0.6,"PAImain":0.6,"03145":0.6,"01336":0.9,"PNGAY":0.6,"02628":0.9},"content_text":"保险行业正在升级为千家万户的“安全网”和经济发展的“稳定器”。今年前三季度，陕西保险业在低利率市场环境和行业深度转型的背景下，实现了保费收入1205.06亿元，同比增长7.14%，较去年同期上涨0.87个百分点。这一数据背后，是陕西保险业正从规模扩张向质量提升的战略转型。业内人士分析，在保费规模稳步增长的同时，陕西保险业更加注重优化供给结构，提升服务质量，引导保险保障功能深入实体经济的关键领域和民生保障的薄弱环节。行业新态势：稳中有进，结构优化陕西保险市场今年呈现出“稳中有进、结构优化”的发展特点。从全国范围看，低利率环境凸显了保险产品的长期稳健收益优势，推动了行业保费增长。前三季度，全国保险业实现原保险保费收入5.2万亿元，同比增长8.5%。陕西保险业的表现与全国趋势基本一致，但又有自身特色。截至今年9月末，74家保险公司会员单位本年累计实现保费收入1205.06亿元，同比增长7.14%。各类赔付支出共计452.86亿元，同比增长14.39%。本年累计为社会提供风险保障73.03万亿元。从财产险市场发展情况来看，前三季度累计实现保费收入273.51亿元，同比增长1.13%。其中，机车险累计保费收入165.07亿元，同比增长2.98%，提供风险保障20.83万亿元。非车险累计保费收入108.44亿元，同比下降1.57%。前三季度累计赔付支出167.53亿元，同比下降2.17%，其中机车险赔付支出109.90亿元，短期健康险赔付支出22.75亿元，农业险赔付支出13.50亿元。从人身险市场发展情况来看，前三季度各人身险会员单位累计实现保费收入931.55亿元，同比增长9.04%。其中，传统寿险累计保费收入640.60亿元，同比增长12.09%。前三季度累计赔付支出285.34亿元，同比增长27.02%服务民生：普惠保险织密居民保障网今年10月下旬，陕西保险行业创新推出陕西专属省版普惠性新型家庭财产综合保险——“秦家保”，标志着陕西省在构建多层次家庭风险保障体系方面迈出了关键一步。这一产品由19家在陕省级财产险公司组成共保体，通过统一产品、统一理赔、统一宣传，有效整合行业资源，为全省居民提供标准化的风险保障。据悉，“秦家保”项目具有三大亮点：保障范围更广，涵盖房屋财产、装潢损失、个人账户安全、三者责任和家庭成员意外；理赔门槛更低，对火灾、爆炸等核心风险实行0免赔；服务体验更优，提供管道疏通、家电清洗等服务型产品责任保障。产品分三档，最低仅需58元/年，最高可提供百万元级风险保障，满足不同家庭需求。“秦家保”共保联盟还与西安市物业协会签署战略合作协议，双方将建立常态化合作机制，深入社区开展政策宣讲与产品推广，打通普惠保险服务“最后一公里”。产品创新：分红险站上“C位”眼下险企2026年“开门红”激战正酣，分红险依旧站在“C位”。进入11月以来，中国人寿、平安人寿、新华保险等陆续推出相关产品，与此同时，产品间差异化特征逐渐显现。如中国人寿寿险公司的养老年金险(分红险)，打破了传统年金险的投保年龄限制，男性最高可投年龄延至70岁，女性达75岁，并整合了全国多家三甲医院绿通服务及医养社区资源；平安人寿推出的分红险产品中支持双被保人，可以实现两代人共享。业内人士表示，险企将产品销售与康养服务相结合，是保险业从“风险赔付”向“风险管理与服务”深度转型的必然趋势。这不仅极大地丰富了保险产品的内涵，而且面对人口老龄化和民众对高品质生活的追求，“保险+康养”模式也构建了新的竞争壁垒。监管防线：偿付能力整体稳健保险业的核心在于风险管理，而偿付能力充足率是衡量保险公司风险抵御能力的重要指标。2025年三季度偿付能力报告显示，大多数保险公司偿付能力指标处于达标区间。数据显示，披露的173家险企，覆盖了财险、人身险、再保险三大领域，相当于行业的“主力军”悉数亮相。从风险评级这个“安全标签”来看，68家拿到A类评级（风险小），98家处于B类（风险较小），两者加起来占比超96%，意味着绝大多数保险公司都能稳稳接住赔付责任。然而，行业风险仍然存在。截至目前，有4家还停留在C类（风险较大）区间，主要问题出在公司声誉风险防控漏洞、操作流程不规范等“内功”上，目前都在监管督促下加紧整改。天职国际会计师事务所保险咨询主管合伙人周瑾表示，在公司治理方面，个别公司三会一层运作不规范、董监高履职存在瑕疵、关联交易占比高或披露不全等问题在未达标险企中较为普遍。行业痛点：销售误导与理赔难依然存在当然，保险行业和其他不少行业一样，也有自身的痛点。陕西省消保委发布的上半年投诉分析报告显示，保险服务投诉数量同比明显上升。问题主要集中在销售误导、理赔服务不佳和自动续保争议三个方面。部分保险销售人员通过夸大产品收益、隐瞒关键免责条款等手段进行不实宣传，导致消费者对保险产品的保障范围、预期收益及退保损失产生重大误解。当消费者理赔时，部分保险公司存在拖延定损核赔、设置不合理拒赔理由、利用条款解释模糊性推诿责任等问题。此外，部分保险公司在未得到消费者确认或同意的情况下自动扣缴续期保费，侵害消费者知情权和选择权。针对这些问题，陕西省消保委提示，相关部门应进一步规范保险销售行为，完善理赔服务流程和时效标准，减少模糊地带。对保险公司而言，要严把销售人员资质与培训关，优化理赔服务流程，提升理赔透明度和效率；完善续保规则告知与确认机制。有业内人士认为，各公司应持续瞄准关键环节不断强化依法合规意识，完善合规制度流程，加强内部审计工作。持续推进保险业高质量发展，提升科技保险服务质效，提升普惠保险服务质效。做到扎实服务客户，推动保险行业高质量发展。业内人士分析，整体而言，从车险、寿险等传统业务稳健增长，到“秦家保”等普惠保险创新推出，陕西保险业正在经历一场从“扩面”到“提质”的深刻变革。随着“保险+服务”模式的深化，保险不再只是一纸合同，而是成为连接千家万户安全与福祉的纽带。 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