保险业首季实现保费收入约2.17万亿元 财险公司保费收入同比上涨，人身险公司保费收入同比下降

Core Insights - The insurance industry achieved a premium income of 2.17 trillion yuan in Q1, showing a slight year-on-year increase of 0.93% [1][2] - There is a divergence in premium income growth between property insurance companies, which saw a 5.10% increase, and life insurance companies, which experienced a 0.29% decline [2][3] - The growth disparity is attributed to the industry's transition phase and adjustments in the sales structure of life insurance products [1][2] Property Insurance Performance - Property insurance companies reported a premium income of 515.5 billion yuan, with significant growth in accident insurance (8.91%), health insurance (7.65%), and auto insurance (4.30%) [3] - The decline in claims expenditure for property insurance companies, which fell by 2.2% to 249.7 billion yuan, is linked to a decrease in major natural disaster losses [4] Life Insurance Performance - Life insurance companies generated a premium income of 1.659 trillion yuan, with only health insurance and investment-linked insurance showing positive growth [2][3] - Health insurance premiums reached 264.1 billion yuan, reflecting a year-on-year increase of 3.69%, driven by regulatory support, increased consumer health awareness, and product innovation [3] Claims Expenditure Trends - Life insurance companies faced a 20.4% increase in claims expenditure, totaling 577.6 billion yuan, primarily due to the maturity of popular life insurance products [4] - The rising claims expenditure poses profitability challenges for life insurance companies, necessitating strategies to optimize product structures and enhance operational efficiency [4] Future Outlook - The insurance industry is expected to maintain stable growth in premium income, with potential fluctuations in growth rates as market demand gradually releases and reforms deepen [4]