2025年上半年保险业“成绩单”出炉：人身险原保费收入单月增速超16%

Core Insights - The insurance industry continues to show growth momentum in the first half of the year, with both life insurance and property insurance performing well [1][2] - In June, life insurance companies reported a significant year-on-year premium income growth of 16.3% and a month-on-month increase of 21.5% [2] Life Insurance Sector - In the first half of the year, life insurance premium income reached 2.96 trillion yuan, a year-on-year increase of 5.6%, while total premium income was 3.35 trillion yuan, up 4.5% year-on-year [2] - The original insurance premium income for life insurance in June was 490.8 billion yuan, reflecting a strong growth trend [2] - Specific business segments showed varied performance: life insurance premium income was 2.2876 trillion yuan (up 6.6%), health insurance was 461.4 billion yuan (up 0.15%), while personal accident insurance declined by 6% to 21.6 billion yuan [2] - New policyholder investment contributions decreased by 3% for universal insurance and by 20% for investment-linked insurance [2] - A recent adjustment in the guaranteed interest rates for traditional, participating, and universal life insurance products is expected to shift new business towards participating insurance [3] Property Insurance Sector - The property insurance market is stable and improving, with premium income reaching 964.5 billion yuan in the first half of the year, a year-on-year increase of 5.1% [4] - In June, property insurance companies reported premium income of 183.9 billion yuan, a 4.6% year-on-year growth [4] - Breakdown of property insurance premiums includes: 450.4 billion yuan from auto insurance, 160.9 billion yuan from health insurance, 109.1 billion yuan from agricultural insurance, 79.9 billion yuan from liability insurance, and 29.1 billion yuan from accident insurance [4] - The rise in premium income is attributed to the high penetration rate of new energy vehicles, which accounted for 45.8% of total new car sales in June [4]