太平香港首批支付537.2万港元，宏福苑火灾进入保险赔付阶段

Core Insights - The article discusses the insurance payouts related to the fire incident at Hong Fu Court, with China Taiping Insurance (Hong Kong) completing the first batch of claims amounting to HKD 5.372 million [2] - The fire resulted in 156 fatalities, with around 30 individuals still missing, prompting multiple insurance companies to initiate emergency claims services [2] - The insurance coverage for the affected properties includes various types of policies, with significant attention on the high coverage limits for public liability and property insurance [3][4] Insurance Coverage Details - Taiping Hong Kong provided comprehensive insurance for the Hong Fu Court, including construction all-risk insurance, employee compensation insurance, and third-party liability insurance, among others [3] - The property insurance for the common areas of Hong Fu Court has a coverage limit of HKD 2 billion, which is a focal point for future claims [4][6] - The insurance policies cover various risks, including damage from fire, theft, typhoons, and flooding, with specific details on the coverage limits and premiums for different types of insurance [4][5] Reinsurance Arrangements - Taiping Hong Kong has implemented reinsurance arrangements to mitigate the financial impact of the claims, with several reinsurance companies, including Qianhai Re and China Re, involved in sharing the risk [7][8] - The company has communicated with international reinsurers to ensure adequate coverage and risk distribution [8] Financial Performance - In 2024, Taiping Hong Kong reported insurance service revenue of HKD 3.313 billion and a net profit of HKD 742.6 million, while in the first half of 2025, the revenue was HKD 1.463 billion with a net profit of HKD 122 million [8] - For the entire group, China Taiping reported insurance service revenue of HKD 111.3 billion in 2024 and HKD 56 billion in the first half of 2025, with net profits of HKD 12.8 billion and HKD 9.2 billion, respectively [8]