Distribution of Premium of Fubon Insurance’s Businesses in 2024

Automobile 45%
PA and health 15%
Commercial fire 13%
Casualty 11%
Engineering 8%
Marine 5%
Comprehensive Personal 3%

Market Share of Fubon Insurance’s Businesses in 2024

Automobile 21.5%
PA and health 32.3%
Commercial fire 21.4%
Casualty 26.1%
Engineering 27.6%
Marine 27.0%
Comprehensive Personal 22.7%

Excellent Financial Performance in 2024
Return on Assets
Return on Equity
Net Combined Ratio
Net Return on Fund
Profit Margin
Earnings Per Share
2020 2021 2022* 2023* 2024
5.4% 6.0% -34.7% -1.6% 2.8%
14.7% 16.2% -162.7% -19.2% 14.9%
92.9% 92.7% 237.8% 109.7% 94.6%
4.7% 5.5% 3.0% 1.7% 2.4%
14.3% 15.1% -89.1% -5.0% 6.4%
NT$17.75 NT$21.57 NT$-108.54 NT$-9.99 NT$10.06
Note: The performance in 2022 and 2023 were affected by loss pf pandemic prevention insurance.
Fubon Insurance – 3-year Financial Statements (Quarterly Updates)
Return on Assets
Return on Equity
Net Combined Ratio
Net Return on Fund
Profit Margin
Earnings Per Share
2024 2023* 2022* 2021 2020
2.8% -1.6% -34.7% 6.0% 5.4%
14.9% -19.2% -162.7% 16.2% 14.7%
94.6% 109.7% 237.8% 92.7% 92.9%
2.4% 1.7% 3.0% 5.5% 4.7%
6.4% -5.0% -89.1% 15.1% 14.3%
NT$10.06 NT$-9.99 NT$-108.54 NT$21.57 NT$17.75
Note: The performance in 2022 and 2023 were affected by loss pf pandemic prevention insurance.
Fubon Insurance – 3-year Financial Statements (Quarterly Updates)

Excellent Credit Rating

twAA+ Taiwan Ratings Corp. 2025.10.30

A- Standard & Poor’s 2025.10.30

A2 Moody’s 2025.03.31

A AM Best 2025.11.13


Professional Loss Control Service

  • Provide customers with risk analysis and planning advice

  • Combine underwriting and premium rate with decision making

  • Enter into a strategic alliance with the Industrial Technology Research Institute to offer high-tech loss control services

  • Develop an “Earthquake Risk Assessment System” with National Central University

  • Develop a “Modeling of Potential Typhoon-Induced Floods” with National Taiwan University

  • Independently develop a Fire Risk Assessment System

Top-Notch Customer Service

1/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

2/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

3/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

4/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

5/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

6/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

7/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

8/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

9/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

10/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

10/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

10/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

10/10
  • Launch the industry’s first “24-hour on-the-spot service for handling traffic accidents”
  • Free 0800 helpline available 24/7 round the year
  • Have 70 service sites across the country, which top the list of the insurance industry
  • Industry-leading customer service team providing excellent claims services
  • Claim services available on Saturdays morning
  • Small claim payment could be received by customers in 30 minutes
  • Launch publicity campaigns on automobile insurance loss control to raise awareness on this regard and of driving safety
  • Customer service staff proactively helps customers reach a settlement with the other party all along
  • Send instant SMS on automobile insurance claims to improve customer satisfaction
  • Enable fully electronic processing of automobile insurance claims, speeding up payment and shortening the settlement timeline
  • Customers can apply for claims and track progress via the official website, LINE, or M+ platform
  • Launched the "Senior-Friendly Taiwanese Customer Service Hotline”, offering fast-track service in Taiwanese to better support elderly customers
  • Introduced the “Real-Time Support for Accidents” and “Rest Assured” service, eliminating time zone and distance barriers to provide immediate assistance

Increasing Efficiency and Protecting Environment with Fully Electronic Processing

  • Insurance application, premium payment and reporting cases of insurance claims could be completed directly on the official website by customers
  • Provide trial balance for insurance cover, memo for auto owners and many other features for customers in Fubon Insurance App
  • Provide electronic insurance policies that are both easy to get and environmentally friendly
  • The first non-life insurer launched Next2U app for sales agents where agents can open a video chat room with customers, and customers can accomplish identity verification, insuring, interacting with sales agents easily and fast, which redefine the way of insurance service
  • Developed “Digital Forms Platform”, enabling agents to serve customers anytime, anywhere
  • Launched the “EZ Insurance” service, allowing customers to complete insurance and claims applications online within 30 minutes using Mobile ID(MID) and other digital identity verification methods via mobile devices
  • Launched “FacePass Express,” the industry’s first AI facial recognition insurance service using Digital Identity Authentication for Proposal Signing, enabling customers to complete applications anytime, anywhere
  • Insurance application, premium payment and reporting cases of insurance claims could be completed directly on the official website by customers
  • Provide trial balance for insurance cover, memo for auto owners and many other features for customers in Fubon Insurance App
  • Provide electronic insurance policies that are both easy to get and environmentally friendly
  • The first non-life insurer launched Next2U app for sales agents where agents can open a video chat room with customers, and customers can accomplish identity verification, insuring, interacting with sales agents easily and fast, which redefine the way of insurance service
  • Developed “Digital Forms Platform”, enabling agents to serve customers anytime, anywhere
  • Launched the “EZ Insurance” service, allowing customers to complete insurance and claims applications online within 30 minutes using Mobile ID(MID) and other digital identity verification methods via mobile devices
  • Launched “FacePass Express,” the industry’s first AI facial recognition insurance service using Digital Identity Authentication for Proposal Signing, enabling customers to complete applications anytime, anywhere
  • Insurance application, premium payment and reporting cases of insurance claims could be completed directly on the official website by customers
  • Provide trial balance for insurance cover, memo for auto owners and many other features for customers in Fubon Insurance App
  • Provide electronic insurance policies that are both easy to get and environmentally friendly
  • The first non-life insurer launched Next2U app for sales agents where agents can open a video chat room with customers, and customers can accomplish identity verification, insuring, interacting with sales agents easily and fast, which redefine the way of insurance service
  • Developed “Digital Forms Platform”, enabling agents to serve customers anytime, anywhere
  • Launched the “EZ Insurance” service, allowing customers to complete insurance and claims applications online within 30 minutes using Mobile ID(MID) and other digital identity verification methods via mobile devices
  • Launched “FacePass Express,” the industry’s first AI facial recognition insurance service using Digital Identity Authentication for Proposal Signing, enabling customers to complete applications anytime, anywhere
  • Insurance application, premium payment and reporting cases of insurance claims could be completed directly on the official website by customers
  • Provide trial balance for insurance cover, memo for auto owners and many other features for customers in Fubon Insurance App
  • Provide electronic insurance policies that are both easy to get and environmentally friendly
  • The first non-life insurer launched Next2U app for sales agents where agents can open a video chat room with customers, and customers can accomplish identity verification, insuring, interacting with sales agents easily and fast, which redefine the way of insurance service
  • Developed “Digital Forms Platform”, enabling agents to serve customers anytime, anywhere
  • Launched the “EZ Insurance” service, allowing customers to complete insurance and claims applications online within 30 minutes using Mobile ID(MID) and other digital identity verification methods via mobile devices
  • Launched “FacePass Express,” the industry’s first AI facial recognition insurance service using Digital Identity Authentication for Proposal Signing, enabling customers to complete applications anytime, anywhere
  • Insurance application, premium payment and reporting cases of insurance claims could be completed directly on the official website by customers
  • Provide trial balance for insurance cover, memo for auto owners and many other features for customers in Fubon Insurance App
  • Provide electronic insurance policies that are both easy to get and environmentally friendly
  • The first non-life insurer launched Next2U app for sales agents where agents can open a video chat room with customers, and customers can accomplish identity verification, insuring, interacting with sales agents easily and fast, which redefine the way of insurance service
  • Developed “Digital Forms Platform”, enabling agents to serve customers anytime, anywhere
  • Launched the “EZ Insurance” service, allowing customers to complete insurance and claims applications online within 30 minutes using Mobile ID(MID) and other digital identity verification methods via mobile devices
  • Launched “FacePass Express,” the industry’s first AI facial recognition insurance service using Digital Identity Authentication for Proposal Signing, enabling customers to complete applications anytime, anywhere
  • Insurance application, premium payment and reporting cases of insurance claims could be completed directly on the official website by customers
  • Provide trial balance for insurance cover, memo for auto owners and many other features for customers in Fubon Insurance App
  • Provide electronic insurance policies that are both easy to get and environmentally friendly
  • The first non-life insurer launched Next2U app for sales agents where agents can open a video chat room with customers, and customers can accomplish identity verification, insuring, interacting with sales agents easily and fast, which redefine the way of insurance service
  • Developed “Digital Forms Platform”, enabling agents to serve customers anytime, anywhere
  • Launched the “EZ Insurance” service, allowing customers to complete insurance and claims applications online within 30 minutes using Mobile ID(MID) and other digital identity verification methods via mobile devices
  • Launched “FacePass Express,” the industry’s first AI facial recognition insurance service using Digital Identity Authentication for Proposal Signing, enabling customers to complete applications anytime, anywhere
  • Insurance application, premium payment and reporting cases of insurance claims could be completed directly on the official website by customers
  • Provide trial balance for insurance cover, memo for auto owners and many other features for customers in Fubon Insurance App
  • Provide electronic insurance policies that are both easy to get and environmentally friendly
  • The first non-life insurer launched Next2U app for sales agents where agents can open a video chat room with customers, and customers can accomplish identity verification, insuring, interacting with sales agents easily and fast, which redefine the way of insurance service
  • Developed “Digital Forms Platform”, enabling agents to serve customers anytime, anywhere
  • Launched the “EZ Insurance” service, allowing customers to complete insurance and claims applications online within 30 minutes using Mobile ID(MID) and other digital identity verification methods via mobile devices
  • Launched “FacePass Express,” the industry’s first AI facial recognition insurance service using Digital Identity Authentication for Proposal Signing, enabling customers to complete applications anytime, anywhere