Fitch Ratings has published the 11th edition of its Global Reinsurance Guide. This document provides reinsurance brokers, security committees and reinsurance investors with Fitch’s latest research and views on the global reinsurance sector. The Fitch Ratings 2021 Outlook: Global Reinsurance report discusses the key drivers behind the negative sector outlook. The report highlights the issues that Fitch expects to affect reinsurers during 2021. These issues include: • Ultimate losses for the coronavirus pandemic • Risk-adjusted price rises • Stalling growth in alternative capital capacity The Global Reinsurers: Mid-Year 2020 Results report provides a review of the financial results and performance highlights released during the 1H20 reporting period by Fitch’s portfolio of reinsurers. The European Reinsurance – Peer Review report outlines Fitch’s views on the key credit factors of the four major European reinsurance organisations: Hannover Re; Munich Re; SCOR and Swiss Re. The Asian Reinsurance Market 2020 report explores the improving pricing environment against the backdrop of the coronavirus pandemic. The report also discusses M&A activity in Asian reinsurance, changes in regulation and the gradual pick-up of interest in insurance-linked securities. The Reinsurance in Latin America report discusses the smaller natural catastrophe losses in 2019 than in 2018 and the impact of the coronavirus pandemic on earnings. The report also discusses the importance of reinsurance protection against natural catastrophe claims for local primary insurers.

Retail businesses today face a lot of challenges associated with the rising consumer foot traffic, sales, and efforts in reducing the overall management costs. In the competitive retail industry, it is more crucial for store owners to create and sustain a differentiated shopping experience that can help in achieving long-term customer loyalty and enhanced customer experience. Accordingly, the digital age has paved the way for the growth of innovative technologies where retailers that implement them can create a valuable and memorable experience for shoppers than their competitors. Customers are also more engaged with the retail automation features as they are more intuitive, informative, and personalized.

当前我国进入“多元保障”阶段：后疫情时代健康险虽然保持高增速，但分险种及新单续期拆分看，主要为续期业务的高增长以及部分短险新单的增长，而重疾新单明显负增长、医疗险新单也仅为个位数增长，后疫情时代健康险的新单增速并不乐观，居民对高价值健康险产品购买力有所下降。

为什么有的寿险企业的估值水平能持续提升，有的却不行？为什么有的寿险企业在H 股和A 股的估值差异这么大？我们试图用一个简单的逻辑来探讨以上问题，将寿险企业视为一张保单，通过简单的量化手段来分析这个保单的市场估值变动，给出更容易被接受的结论。

Travel insurance covers the expenses incurred and minimizes the risks during travel. It acts as a cushion in situations such as trip cancellation due to medical emergency, loss of baggage, evacuation due to medical condition or hijack, and loss of travel documents, among others. The travel insurance providers are executing travel rules & regulations, developing their existing offering by implementing advanced technologies that addresses a variety of customized coverages in the market, which is expected to fuel the growth of the travel insurance market. An in-depth analysis across North America, Europe, Asia-Pacific, and LAMEA has also been included. This report features information on travel insurance offered by key vendors. Furthermore, it highlights the strategies of key players to improve the market share and sustain competition.