... 1.1.1 Meaning of Risk 1.1.2 Classification of Risk 1.1.3 Risk Management 1.2 Functions and Benefits of Insurance 1/4 2. LEGAL PRINCIPLES 2/1 2.1 The Law of Contract 2/1 2.1.1 Definition 2.1.2 Types of Contracts 2.1.3 Elements or Essentials of a Contract 2.2 The Law of Agency 2/4 2.2.1 Definition 2.2.2...

...冠狀病毒病疫情嚴重影響醫療保險及旅遊保險的直接 銷售，意外及健康業務於 2020 年下跌 3.5%，是自 2003 年沙士爆發以來首次錄得負增長。 雖然 2020 年的整體承保表現向好，承保利潤顯著上升，但需留意這是因疫情期間經濟活動 減少及市民延遲使用醫療服務，令僱員補償和意外及健康業務的申索個案下跌所致。因此， 業界應為申索情況逐漸回復正常而做好準備。 來年，在 2019 冠狀病毒病疫情持續影響經濟的情況下，市場將面對重大挑戰。雖然保費增 長率預期會進一步放緩，但如業界能繼續嚴格遵守承保原則，市場應能維持承保利潤。鑒 於 2019 冠狀病毒病疫情持續所帶來的不確定性，業界需保持警惕，繼續適當管理...

... of Risk 1/1 1.1.1 Meaning of Risk 1.1.2 Classification of Risk 1.1.3 Risk Management 1.2 Functions and Benefits of Insurance 1/4 2. LEGAL PRINCIPLES 2/1 2.1 The Law of Contract 2/1 2.1.1 Definition 2.1.2 Types of Contracts 2.1.3 Elements or Essentials of a Contract 2.2 The Law of Agency 2/4 2.2.1...

... Management Expenses Underwriting Profit/(Loss) 9,915,161 8,260,777 7,101,072 1,033,816 732,773 6,247,622 4,949,795 4,985,298 27,329 1,045,794 309,878 2,682,625 2,184,450 2,289,940 605,347 467,297 1,686,915 1,384,949 1,436,622 (4,388) 308,327 82,082 85,217 19,100 22,073 7,065 4,731 29,575 26,543 16,267 0 3...

... cob A Life and annuity 35 34 69 B Marriage and birth 1 4 5 C Linked long term 18 28 46 D Permanent health 20 22 42 E Tontines 1 3 4 F Capital redemption 1 4 5 G Retirement scheme management category I 9 11 20 H Retirement scheme management category II 7 8 15 I Retirement scheme management category...

... cob A Life and annuity 35 34 69 B Marriage and birth 1 4 5 C Linked long term 18 28 46 D Permanent health 20 22 42 E Tontines 1 3 4 F Capital redemption 1 4 5 G Retirement scheme management category I 9 11 20 H Retirement scheme management category II 7 8 15 I Retirement scheme management category...