...  added  after  policy issuance) needs to be companied by an FNA form?  A  1. Treatment for riders should follow the requirement as if it is a basic plan.          Q  2. Please provide  a definition of  'top‐ups',  in particular whether  inflation protector  option would be considered a top‐up.  A  2. Top...

... actually declared. If the policy is still in force on 1 January 2022, the annual dividend declared is $800, together with the accumulated interest of $30, so the total accumulated dividend and interest is $1,830. The fulfillment ratio for the annual dividend at Policy Year 2 is 1,830/2,030 = 90.1...

... 53.6 55.0 58.0 56.3 Underwriting Margin2 12.7 12.3 11.5 8.1 10.7 Technical Reserve Ratio3 139.4 141.5 141.5 142.5 145.4 1 Underwriting Expenses -- Total of Net Commissions Payable, Management Expenses and Unexpired Risks Adjustment 2 Underwriting Margin -- Underwriting Profit/(Loss) expressed as a...

... 53.6 55.0 58.0 56.3 Underwriting Margin2 12.7 12.3 11.5 8.1 10.7 Technical Reserve Ratio3 139.4 141.5 141.5 142.5 145.4 1 Underwriting Expenses -- Total of Net Commissions Payable, Management Expenses and Unexpired Risks Adjustment 2 Underwriting Margin -- Underwriting Profit/(Loss) expressed as a...

... 53.6 55.0 58.0 56.3 Underwriting Margin2 12.7 12.3 11.5 8.1 10.7 Technical Reserve Ratio3 139.4 141.5 141.5 142.5 145.4 1 Underwriting Expenses -- Total of Net Commissions Payable, Management Expenses and Unexpired Risks Adjustment 2 Underwriting Margin -- Underwriting Profit/(Loss) expressed as a...

... HKGIBS_2019.xlsx 1 1 2 2 3 3 4 4 直接業務 (總額) Direct Business (Total) 新會計政策 舊會計政策 新會計政策 舊會計政策 New Accounting Policy Old Accounting Policy New Accounting Policy Old Accounting Policy 未決申索準備金毛額 (百萬元) 4,602.1 2,675.3 2,533.6 2,189.1 Gross Outstanding Claims Provision ($m) 4,602.1 2,675.3 2,533.6 2,189.1...

...,615.2 * 總額 Total 4,611.5 4,955.6 5,458.8 5,959.2 6,264.6 6,950.3 7,554.6 8,328.4 9,307.1 11,260.1 11,304.2 10,679.4 1,170.5 1,237.3 1,323.9 2,314.0 2,733.1 2,907.4 4,241.1 4,689.1 4,865.0 4,246.2 4,602.1 4,413.2 * 意外年度 Accident Year 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2009 2010...

... 46.5 29.4 2,666.3 1,393.6 87.4 56.7 28.6 8.2 2015 6,438.4 1,175.7 66.7 852.2 41.9 2,673.6 2,511.2 912.3 53.2 20.1 2016 7,047.9 1,311.6 80.1 46.6 1,994.2 1,788.7 91.9 48.8 2017 7,741.3 1,461.7 87.2 2,053.0 1,838.7 85.5 2018 8,659.3 1,438.7 2,206.3 1,882.6 2019 9,586.4 2,533.6 * 總額 Total 4,103.4 4,611.5...

... 4.4 5.4 Retention Ratio 68.2 68.9 69.0 69.1 69.8 Commission Payable Ratio 17.2 17.5 17.6 17.8 18.0 Net Claims Incurred Ratio 55.0 58.0 56.3 56.4 62.2 Underwriting Margin2 11.5 8.1 10.7 10.3 3.8 Technical Reserve Ratio3 141.5 142.5 145.4 149.2 158.2 1 Underwriting Expenses - Total of Net Commissions...

... 4.4 5.4 Retention Ratio 68.2 68.9 69.0 69.1 69.8 Commission Payable Ratio 17.2 17.5 17.6 17.8 18.0 Net Claims Incurred Ratio 55.0 58.0 56.3 56.4 62.2 Underwriting Margin2 11.5 8.1 10.7 10.3 3.8 Technical Reserve Ratio3 141.5 142.5 145.4 149.2 158.2 1 Underwriting Expenses - Total of Net Commissions...