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계약자배당

DB손해보험에서 적용중인 이율을 안내해드립니다.

  • 계약자배당금 산출기준

    계약자배당금은 1년 이상 유지된 유효한 배당보험 계약에 대하여 다음의 기준에 의하여 산출됩니다.

    • 이자율차배당금 = 대상금액×이자율차배당율
    • 대상금액 : 전 보험년도말 보험료적립금에서 해약공제액을 차감한 금액
      이자율차배당율 = 이자율차배당기준율 - 보험상품별 예정이율
    • 위험율차배당금 = 연간 예정위험보험료×위험율차배당율
    • 사업비차배당금 = 연간 예정유지비×사업비차배당율
    • 아래의 배당율은 배당상품에 대한 각 회계연도의 신규배당 기준임

    이자율차 배당 기준율

    [단위 : %] 
    이자율차배당기준율의 구분,개인연금,장기유배당,퇴직보험(금리확정형,금리연동형) 안내표입니다.

    구분

    개인연금

    장기유배당

    퇴직보험

    금리확정형

    금리연동형

    FY'24

    2.70

    -

    -

    -

    FY'23

    2.20

    -

    -

    -

    FY'22

    2.30

    -

    -

    -

    사업비차 배당율

    [단위 : %] 
    사업비차 배당율의 구분,개인연금,장기유배당,퇴직보험(금리확정형,금리연동형) 안내표입니다.

    구분

    개인연금

    장기유배당

    퇴직보험

    금리확정형

    금리연동형

    FY'24

    95.0

    -

    -

    -

    FY'23

    85.0

    -

    -

    -

    FY'22

    80.0

    -

    -

    -

    위험률차 배당율

    [단위 : %] 
    위험률차 배당율의 구분,개인연금,장기유배당,퇴직보험(금리확정형,금리연동형) 안내표입니다.

    구분

    개인연금

    장기유배당

    퇴직보험

    금리확정형

    금리연동형

    FY'24

    95.0

    -

    -

    -

    FY'23

    85.0

    -

    -

    -

    FY'22

    80.0

    -

    -

    -

    계약자배당준비금 부리이율

    [단위 : %] 
    계약자배당준비금 부리이율의 구분,FY'20,FY'19,FY'18,FY'17,FY'16,FY'15 안내표입니다.

    구분

    FY'24

    FY'23

    FY'22

    개인연금

    2.25

    2.25

    2.25
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