Outbound travel has become almost a national pastime, with online policy sales surging accordingly. According to FSC statistics, in the first three quarters of 2026 total online insurance purchases across the industry reached 833.5萬件, with premium income of 54.36億元, up 17.79% and 18.17% respectively from the same period in 2025. For both property and life insurers, travel-related coverage ranked among the top online sellers, becoming the main driver of overall performance.
Property Insurance Remains Dominant; Life Policy Count Rises While Premium Growth Slows
By sector, property insurance remained the largest share of the online market, with 726.88萬件 policies and 49.64億元 in premiums in the first three quarters, up 18.21% and 19.79% year-on-year respectively, accounting for over 90% of total market premiums. Life insurers recorded 106.62萬件 policies and 4.72億元 in premium income, up 15% and 3.28% respectively, maintaining double-digit growth in policy count but relatively limited premium growth.
Comprehensive Travel Insurance Sells Well, Medical Rider Posts Highest Growth
By product, travel coverage performed strongly in both sectors. For property insurers, comprehensive travel insurance including travel inconvenience insurance was the most popular, selling 173.16萬件 policies with 11.63億元 in premiums in the first three quarters, up 23.39% and 43.76% year-on-year respectively. Motorcycle insurance ranked second with 147.07萬件 policies, but premiums reached 14.96億元, higher than comprehensive travel insurance. Notably, travel medical coverage grew even faster, with comprehensive travel insurance with indemnity medical rider for accidental injuries selling 127.88萬件 policies with 1.48億元 in premiums, up 28.24% and 48% respectively, topping all popular products in premium growth and reflecting travelers' demand for stronger overseas medical protection through online channels.
The top three online life insurance products were all travel-related. Travel accident insurance ranked first with 36.15萬件 policies and 1.18億元 in premiums; travel accident insurance with overseas emergency illness medical rider ranked second with 31.85萬件 policies and 1.01億元 in premiums; third was travel accident insurance with indemnity medical rider for accidental injuries, with 28.42萬件 policies and 0.38億元 in premiums.
Cap for Under-15s Relaxed, Company Rankings Released
In addition to rising travel demand, gradually relaxed restrictions on online insurance have provided more choices. The FSC this year raised the medical benefit payout cap for online insurance for insured persons under 15 years old to 120萬元, allowing parents taking children to Schengen countries and other overseas destinations to purchase higher medical coverage online. By premium income in the first three quarters, the top three life insurers were Fubon Life, Cathay Life and KGI Life; for property insurers, Fubon Insurance took first place, followed by Tokio Marine Newa Insurance in second and Cathay Century Insurance in third.