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1、 2010 Towers Watson. All rights reserved. 2010年韬睿惠悦保险行业整体奖酬调研客户分享会年韬睿惠悦保险行业整体奖酬调研客户分享会 韬睿惠悦咨询 全球数据服务 韬睿惠悦咨询 全球数据服务 2010年年10月月 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 2 目录目录 2010年保险行业 组织效益与人力配置调研结果分享 年保险行业 组织效益与人力配置调
2、研结果分享 2010年保险行业薪酬调研结果分享年保险行业薪酬调研结果分享 小组讨论小组讨论 茶歇茶歇 2010年福利调研结果分享年福利调研结果分享 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 3 2010年度韬睿惠悦保险行业整体奖酬调研概况年度韬睿惠悦保险行业整体奖酬调研概况 韬睿惠悦保险行业调研韬睿惠悦保险行业调研 2010年保险行业调研覆盖 了北京、上海、广州、深 圳 北京、上海、广州、
3、深 圳一线城市，和江苏、山 东、浙江等 江苏、山 东、浙江等保费大省； 调研企业类型：涵盖寿险 、养老险、产险、再保险 和保险经纪 寿险 、养老险、产险、再保险 和保险经纪公司； 调研企业性质：涵盖内资 、合资和外商独资企业 内资 、合资和外商独资企业； 全国共40家家企业，241家 分支机构 家 分支机构参与了2010年的 调研。 北京 上海 深圳 北京 上海 深圳 山东 广州 山东 广州 天津天津 浙江浙江 四川地区四川地区 2010年保险行业调研覆盖的城市和主要地区年保险行业调研覆盖的城市和主要地区 东北地区东北地区 江苏江苏 河南河南 2010 Towers Watson. All
4、rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 4 4 2010年度韬睿惠悦整体奖酬调研参与名单年度韬睿惠悦整体奖酬调研参与名单-寿险寿险 No.Company (Eng.)公司（中文）公司（中文） 1AEGON - CNOOC Life Insurance Co., Ltd.海康人寿保险有限公司 2Allianz China Life Insurance Co., Ltd.中德安联人寿保险有限公司 3AXA-Minmetals Assuran
5、ce Co., Ltd.金盛人寿保险有限公司 4Cathay Life Insurance Co., Ltd.国泰人寿保险有限责任公司 5China Pacific Insurance Co., Ltd.中国太平洋人寿保险股份有限公司 6China Pacific Insurance Group Co., Ltd.中国太平洋保险集团有限公司 7Citic-Prudential Life Insurance Co., Ltd信诚人寿保险有限公司 8Generali China Life Insurance Co., Ltd.中意人寿保险有限公司 9Haier New York Life Insu
6、rance Co., Ltd.海尔纽约人寿保险有限公司 10Huaxia Life Insurance Co., Ltd. 华夏人寿保险股份有限公司 11New China Life Insurance Co., Ltd.新华人寿保险股份有限公司 12Ping An Life Insurance Company of China, Ltd.中国平安人寿保险股份有限公司 13Ping An Pension Insurance Company of China, Ltd.中国平安养老保险股份有限公司 14Pingan Processing Less than or equal to 10,000
7、for non-management Hospitalization only 25%No limit 75% 10,000 20,000 for non management; 10,000-50,000 or more than 50,000 for management Combined limit18%=20,000 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 8787 Housin
8、g Benefits - Prevalence (Total) - Although housing benefit is one of the highly preferred benefits from employees, it is not very common to provide such benefits in the insurance industry. Between the different types of housing benefit, supplementary housing fund is relatively common. Type of Housin
9、g Benefits 住房福利的类型住房福利的类型 12.5% 3.1%3.1% 0.0%0.0%0.0% 12.5% 6.3% 3.1% 0.0%0.0%0.0% 12.5% 6.3% 9.4% 0.0%0.0%0.0% 12.9%12.9% 6.5% 0.0%0.0%0.0% Supplementary Housing Fund 补充住房公积金补充住房公积金 Company Apartment 公司公寓公司公寓 Cash Housing Allowance 现金住房津贴现金住房津贴 Housing Loan Scheme 住房贷款计划住房贷款计划 Mortgage Subsidy Sche
10、me 利息补贴计划利息补贴计划 Housing Savings Plan 住房储蓄计划住房储蓄计划 General Staff 一般员工一般员工Professional 专业人员专业人员 Middle Management 中级管理层中级管理层Senior Management 高级管理层高级管理层 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 8888 Retirement/Retentio
11、n Plans - Prevalence (Total) - In insurance industry, supplementary retirement plans are more popular than retention plans. - 25% companies provide supplementary retirement plans to general staff, while about 31% companies provide to professionals and management. 2010 Towers Watson. All rights rese
12、rved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 89 Benefits Trend 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 90 Benefits - are very important for attracting / retaining employee
13、s, yet only a small % of employees are satisfied with their current program Factors influencing decisions to join a new organization Rank China Greater career advancement opportunity Availability of / better pension Increased compensation 3 1 2 Greater job security Better health care benefits4 5 Ran
14、k Global 3 1 5 7 2 27% 38% 35% Very satisfied/satisfied Neither satisfied nor dissatisfied Very dissatisfied/dissatisfied 2010 China How satisfied are you with your current retirement program? Source: Towers Watson 2010 Global Workforce Study 2010 Towers Watson. All rights reserved. Proprietary and
15、 Confidential. For Towers Watson and Towers Watson client use only. 91 Benefits - Employees are also looking for greater flexibility and control over how their Rewards are managed Considering the money the organization spends on my pay, benefits, and other kinds of rewards (for example, training), I
16、 would prefer the organization 35% 46% 19% Decides how to allocate all those rewards for me Gives me complete freedom to allocate those rewards as I desire Provides a safety net within which I have some choice to allocate those rewards China 44% 37% 20% Global Source: Towers Watson 2010 Global Workf
17、orce Study 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 92 Benefits - And wanting more regular communications from their employers Types of support required from employer to help manage and understand Rewards & Benefits
18、Simplification of design and administration of reward and benefits programs Regular communication about reward and benefit program Classes on developing financial knowledge China 2 3 1 Global 2 3 1 Offer one-on-one counseling sessions with financial advisors 44 Source: Towers Watson 2010 Global Work
19、force Study 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 93 New trend: Employers are looking for benefits differentiators In recent years the benefits package has become more than a “needed to play” requirement and incre
20、asingly a “differentiator” in the market New trends include Supplemental retirement and savings plans More employer involvement in the health and wellbeing of their employees Flexible benefits and employee choice 23% of companies have retention plans in 2010, compared with 14% in 2009 Offered to sel
21、ected group of employees rather than all employees Often in the form of savings plan, wealth accumulation plan, or deferred compensation Main objectives are to retain talents and provide additional financial protection 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Tower
22、s Watson and Towers Watson client use only. 94 New trend: a focus on wellness - Healthcare is a lot more than just medical insurance Total Healthcare Benefits Health Education Medical Insurance Fitness & Sport Nutrition Mental Health Annual Medical Checkup Employee Assistance Program 2010 Towers Wa
23、tson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 95 New Trend: flexible benefits - The next generation of employee benefits A benefit program that provides employees the opportunity to choose within a fixed cost budget from a range of bene
24、fits those which they value the most. A benefit program that provides employees the opportunity to choose within a fixed cost budget from a range of benefits those which they value the most. For the Employees Better understand benefitsBetter understand benefits Better appreciate benefitsBetter appre
25、ciate benefits Meet individual needs & financial situation Meet individual needs & financial situation Take responsibility for their own needs Take responsibility for their own needs Benefits adapt to changing needs and lifecycle Benefits adapt to changing needs and lifecycle Budget benefit costsBud
26、get benefit costs Add new offerings with minimal (or no) cost Add new offerings with minimal (or no) cost Promote total rewardsPromote total rewards Share responsibility with employees Share responsibility with employees Understand and adapt to changing employee preferences Understand and adapt to c
27、hanging employee preferences For the Organisation 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 96 “I dont care about the future. I wish everyone would stop boring me about retirement!” Differing Lifestyle and Family Patt
28、erns Im 45 with two (hyperactive) kids I need to put aside money for retirement now We are spending a fortune on child care I need some trousers Im 24, single and loving it! Give me cash I want a cool car I dont want insurance, long- term savings etc I want a date Im 32 and about to tie the knot I n
29、eed to start my retirement savings I need disability Insurance and life assurance I want to get my spouse some medical cover too I need a new pair of shorts “We need to make sure we look after the children and plan for the future” “Were starting a family. Im making sure theyll be OK whatever happens
30、” 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only. 97 Statutory minimums Determine optimal compensation and benefits budget Prioritize costs by nature of C&B: mandatory, voluntary and incentives, etc. Itemize menu of optiona
31、l benefits available for employee choice Competitive pay Supplementary minimums Incentive compensation and benefits Menu of benefit choices Total staff budget Total Rewards Strategy 2010 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use
32、 only. 98 Thank you This report is intended only for sole use of the recipient. This report should not be used for any other purposes nor distributed to or relied upon by any third party without the written consent of Towers Watson. Towers Watson does not accept any responsibility for any consequences should any third party rely on or act upon this report. For any questions, please contact: Fiona Huang PRC Employee Benefits and Actuarial Practice 11F, Kerry Centre, 1515 W. Nanjing Road | Shanghai, China 200040 Phone: +86 21 2211 5365 | Mobile: +86 138 1781 9932 Email: