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上半年保险市场运行总体平稳 业务结构持续优化 - 经济观察网 － 专业财经新闻网站

Data released by the China Insurance Association shows that in the first half of 2026, the insurance market operated steadily with direct written premiums reaching 3.86 trillion yuan, a year-on-year increase of 3.3%. The insurance industry also played a crucial role in disaster relief and pension insurance transformation. ·

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Summary

Based on the report on the insurance market operation in the first half of 2026 released by the China Insurance Association, this article details the industry's operating data, disaster relief efforts, and pension insurance transformation progress. Data shows direct written premiums reached 3.86 trillion yuan, a year-on-year increase of 3.3%, with property insurance companies growing by 2.1% and life insurance companies by 3.6%. Foreign-funded insurance companies' market share rose to 9.7%. In disaster relief, the insurance industry handled 533,000 disaster claims, with estimated losses of 11.05 billion yuan and paid out 5.53 billion yuan, of which 5.21 billion yuan was for flood and typhoon disasters, demonstrating the industry's role as an economic shock absorber and social stabilizer. In the pension insurance sector, the industry is transitioning from a single fund reserve model to a comprehensive solution combining fund reserves, risk protection, and elderly care services, constructing a multi-tiered and comprehensive pension insurance service system to support high-quality development of China's elderly care industry and silver economy.

Main Points

* 1. Insurance market operates steadily with continued business structure optimization

Direct written premiums reached 3.86 trillion yuan, a year-on-year increase of 3.3%, with property insurance companies growing by 2.1% and life insurance companies by 3.6%. Foreign-funded insurance companies' market share rose to 9.7%.

* 2. Insurance industry plays crucial role in disaster relief

For natural disasters in 20 provinces, the insurance industry handled 533,000 claims, with estimated losses of 11.05 billion yuan and paid out 5.53 billion yuan, of which 5.21 billion yuan was for flood and typhoon disasters, demonstrating the industry's role as an economic shock absorber and social stabilizer.

* 3. Pension insurance transitions to comprehensive solutions

The insurance industry is transitioning from a single 'fund reserve' model to a comprehensive solution combining fund reserves, risk protection, and elderly care services, constructing a multi-tiered and comprehensive pension insurance service system to support high-quality development of China's elderly care industry and silver economy.

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本报讯 （记者冷翠华）在7月31日召开的中国保险行业协会2026年度第二次例行新闻发布会上，中国保险行业协会党委委员、副秘书长方咏介绍，今年上半年，保险市场运行总体平稳，业务结构持续优化。原保险保费收入3.86万亿元，同比增长3.3%；赔款与给付支出1.40万亿元，同比增长3.8%。其中，财产险公司实现原保险保费收入9846亿元，同比增长2.1%；人身险公司实现原保险保费收入28716亿元，同比增长3.6%；外资保险公司业务增速高于行业平均水平，市场份额上升至9.7%。预计下半年保险市场将延续稳中有进的运行态势。

从保险行业防汛救灾情况来看，今年5月以来，受强降雨、台风等影响，广西、湖北、甘肃等地接连发生城市内涝、水库溃坝、山体滑坡等灾情，造成重大人员伤亡和经济损失。方咏表示，保险业充分发挥经济减震器和社会稳定器功能，全链条筑牢灾害防线。目前，针对20个省份暴雨洪涝、台风、地震等自然灾害，保险业累计接报案53.3万件，估损110.5亿元，已赔付55.3亿元，其中对暴雨洪涝及台风灾害赔付52.1亿元。灾前，各地保险行业协会出台车险灾害互认指引，保险机构开展风险排查、应急演练，前置储备救援物资与跨区支援力量。灾中，启动省市两级应急响应，依托警保、政保联动推行无差别免费施救。灾后，保险业落地“三免四快”便民服务，全力支持灾后重建。目前理赔工作有序推进，保险业将持续跟踪灾情，助力受灾地区尽快恢复正常生产生活秩序。

在养老保险方面，方咏表示，保险业紧扣政策导向，正在从单一“资金储备”向“资金储备+风险保障+康养服务”的综合方案转型。市场基础不断夯实，养老保险体系持续健全；产品供给持续丰富，满足多样化养老保障需求；适老服务持续优化，着力提升老年人群体验；康养生态逐步成形，服务综合供给能力不断增强；资金配置持续优化，统筹财富管理与产业投资。进入“十五五”时期，保险业将发挥精算与长期资金优势，构建多层次广覆盖养老保险服务体系，为中国式养老事业和银发经济高质量发展贡献更大力量。

中国保险行业协会消保专委会相关负责人介绍行业适老助残典型案例征集工作情况。本次活动共吸引110家保险机构参与，汇总一线服务案例234个，聚焦线下服务升级、线上数字金融服务优化、风险防控技术创新、其他适老助残创新举措四大方向，形成一批可复制、有温度、创新性的服务模式。从实践成效看，保险行业适老助残工作已从零散举措升级为体系化民生工程，服务理念全面升级、服务体系立体成型、创新路径多元互补、便民与风控统筹兼顾，普惠保险底色持续擦亮。

（编辑 张伟）

Key Quotes

> The insurance industry fully leverages its role as an economic shock absorber and social stabilizer, building an all-around disaster prevention line.

> The insurance industry will continue to monitor disaster situations, helping affected areas quickly resume normal production and living orders.

> The insurance industry's services for the elderly and disabled have evolved from scattered initiatives to a systematic people's livelihood project, with upgraded service concepts, structured service systems, diversified innovation paths, and balanced convenience and risk control, continuously enhancing the inclusive insurance foundation.

Tags

Insurance Market

Property Insurance

Life Insurance

Foreign-funded Insurance

Disaster Relief

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