- 1. LOGO NM 2011 TNG QUAN TH TRNG BO HiM ViT NAM
2. www.themegallery.com Company Logo NI DUNG BO CO Tng quan v
KTXH1 Bo him phi nhn th2 Bo him nhn th3 D bo th trng nm 20124 3.
www.themegallery.com Nm 2011 nn kinh t x hi Vit Nam gp nhiu kh khn
do lm pht cao v nh hng ca suy thoi kinh t ton cu Tng trng GDP
5,89%, trong nng lm ng nghip tng 4%, cng nghip v xy dng tng 5,53%,
dch v tng 6,99%. Thu ngn sch 674,5 nghn t ng tng 20,6%, d n tn dng
tng 12%, xut khu t 96,3 t USD tng 33,3%, nhp khu t 105,8 t ng tng
24,7%, FDI t 11 t USD Company Logo Tng quan v KTXH1 4.
www.themegallery.com Nhng kh khn thch thc tc ng ti ngnh bo him khng
nh Ch s gi c tng 18,13% nh hng i sng x hi lm gim s tin tit kim
trong dn c, gim kh nng tham gia bo him hoc duy tr hp ng bo him nhn
th i vi ngi trc y c thu nhp trung bnh tr xung, lm tng chi ph bi
thng ca bo him phi nhn th. Nm 2011 Ngh quyt ca Chnh ph thc hin tht
cht tn dng, tht cht chi tiu v u t cng gim nhu cu bo him ti sn, xy
dng lp t v ti sn mi mua. Company Logo Tng quan v KTXH1 5.
www.themegallery.com Gi vng tng 24,6% cng lm giao ng tm l ca ngi
tham gia bo him. Th trng chng khon, bt ng sn m m lm gim c hi u t
sinh li ca cc doanh nghip bo him Nh nc trin khai th im bo him nng
nghip, bo him tn dng xut khu, ban hnh quy nh v bo him trch nhim c s
khai thc s dng cht phng x ht nhn Company Logo Tng quan v KTXH1 6.
www.themegallery.com Company Logo Bo him phi nhn th2 7.
www.themegallery.com Th trng bo him phi nhn th t doanh thu 20.497 t
ng Cc doanh nghip bo him Vit Nam t doanh thu 18.484 t ng tng trng
17,56%. Cc doanh nghip bo him c vn nc ngoi t doanh thu 2.013 t ng
tng trng 55,23%. Cc nghip v u tng trng trong bo him nng nghip tng
193%, bo him tn dng v ri ro ti chnh tng 87%, bo him hng ha vn chuyn
tng 43%, bo him thit hi kinh doanh tng 37%, bo him sc khe v tai nn
con ngi tng 34%. Company Logo Bo him phi nhn th2 8.
www.themegallery.com Dn u l bo him xe c gii t 6.134 t ng tng trng
13%, bo him ti sn v thit hi t 5.034 t ng tng trng 24%, bo him sc
khe t 3.323 t ng tng trng 34%, bo him tu thy t 1.850 t ng tng trng
1%, bo him hng ha vn chuyn t 1.783 t ng tng trng 43%. Dn u doanh
thu khai thc bo him gc l Bo Vit 4.900 t ng, PVI 4.228 t ng, Bo Minh
2.140 t ng, PJICO 1.852 t ng, PTI 1.095 t ng. Cc doanh nghip tng
trng doanh thu cao l Samsung Vina 105%, Groupama 93%, Xun Thnh 79%,
PTI 61%, Fubon 53%, Hng Vng 52%. Company Logo Bo him phi nhn th2 9.
www.themegallery.com gii quyt bi thng bo him gc 8.445 t ng Trong cc
doanh nghip bo him Vit Nam l 7.765 t ng t l bi thng 42%. Doanh
nghip c vn nc ngoi 680 t ng t l bi thng 33%. T l bi thng cao l bo
him chy n 68%, bo him tu thy 57%, bo him hng khng 54%, bo him xe c
gii 51%, bo him sc khe 43%. Cc doanh nghip c t l bi thng cao l Bo
Minh 57%, BIC 56%, Bo Long 52%, Liberty 54%, Baoviet Tokyo Marine
50%, Hng Khng 44%, Ph Hng 42%. Company Logo Bo him phi nhn th2 10.
www.themegallery.com Bo him xe c gii Company Logo 11.
www.themegallery.com 1. Bo him xe ci gii Bo him xe c gii t doanh
thu 6.134 t ng tng trng 13%, Gii quyt bi thng 3.188 t ng, t l tr bi
thng 51%. Dn u doanh thu l Bo Vit 1.515 t ng, PJICO 910 t ng, PVI
566 t ng, Bo Minh 565 t ng, PTI 524 t ng. T l tr bi thng c ri ro
cao l Ph Hng 308%, Bo Long 72%, ABIC 65%, AAA 59%, Hng Khng 55%.
Company Logo 12. www.themegallery.com Bo him bt buc TNDS ch xe c
gii t doanh thu 1.188 t ng. Dn u l Bo Vit 325 t ng, Pjico 244 t ng,
Bo Minh 188 t ng, PTI 131 t ng. Tng s tin bi thng 3.188 t ng, t l
bi thng 51%. Cc DNBH c t l bi thng cao l Ph Hng 661%, MSIG 77%, UIC
85%. Company Logo 1. Bo him xe ci gii 13. www.themegallery.com Hip
hi Bo him Vit Nam phi hp vi Cc Cnh st giao thng ng b ng st o to 2
lp gim nh hin trng, x l tai nn, thu thp phn tch h s tai nn cho 250
cn b bo him. Nhiu doanh nghip bo him pht trin trung tm phc v chm sc
khch hng 24h/ 7 ngy trong tun. Company Logo 1. Bo him xe ci gii 14.
www.themegallery.com Bo him ti sn k thut Company Logo 15.
www.themegallery.com 2. Bo him ti sn k thut Bo him ti sn thit hi t
doanh thu 5.034 t ng tng trng 24%. Cc doanh nghip doanh thu cao l
PVI 2.218 t ng, Bo Vit 379 t ng, Bo Minh 242 t ng, BIC 186 t ng,
PTI 165 t ng. gii quyt bi thng gc l 949 t ng, t l bi thng 18%. Cc
DNBH c t l bi thng cao l Baoviet Tokyo Marine 131%, BIC 45%, AAA
37%. Company Logo 16. www.themegallery.com Company Logo Bo him sc
khe v tai nn con ngi 17. www.themegallery.com 3. Bo him sc khe v
tai nn con ngi Bo him sc khe v tai nn con ngi t doanh thu 3.323 t
ng, tng trng 34%. Dn u doanh thu l Bo Vit 1.372 t ng, Bo Minh 627 t
ng, PVI 209 t ng, PTI 184 t ng, PJICO 160 t ng. S tin gii quyt bi
thng 1.431 t ng, chim t l 43%. Cc doanh nghip c t l bi thng cao l
Bo Long 90%, Fubon 63%, Hng Khng 57%, Hng Vng 54%, PJICO 47%. Nhiu
sn phm bo him sc khe c cc doanh nghip bo him a ra th trng hp dn vi
nhu cu x hi. Company Logo 18. www.themegallery.com Hin tng trc li
bo him ang t cho cc doanh nghip bo him phi c bin php qun l cht ch,
ngn chn kp thi. Do thiu vic lm nhiu ngi lao ng mua bo him theo mc
trch nhim khon bi thng theo s ngy nm vin khng qu 60 ngy / nm tranh
th lm th tc nhp vin ti c s iu tr quen bit hng li bo him. Nhiu ngi
mua bo him chm sc y t ch cao trc li bo him bng cch cho mn th khm
cha bnh, thn quen y bc s c c ha n iu tr thuc men (k c thuc b, thc
phm chc nng, chm sc sc p) i tin bo him Company Logo 3. Bo him sc
khe v tai nn con ngi 19. www.themegallery.com Bo him thn tu v TNDS
ch tu Company Logo 20. www.themegallery.com 4. Bo him thn tu v TNDS
ch tu Bo him thn tu v TNDS ch tu t doanh thu 1.850 t ng, tng trng
1%.. Cc DNBH dn u v doanh thu gm PVI 559 t ng, Bo Vit 548 t ng,
PJICO 235 t ng, Bo Minh 224 t ng. S tin bi thng 1.068 t ng, chim
57%. Cc doanh nghip c t l bi thng cao l BIC 158%, Bo Minh 87%, Bo
Long 77%, Bo Vit 56%, PJICO 45%. Company Logo 21.
www.themegallery.com BH chy n v mi ri ro ti sn Company Logo 22.
www.themegallery.com 5. Bo him chy n v mi ri ro ti sn Bo him chy n
v mi ri ro ti sn t doanh thu 1.723 t ng, tng 22% so vi cng k nm
trc. Dn u doanh thu gm PVI 450 t ng, Bo Vit 354 t ng, Bo Minh 292 t
ng, PJICO 156 t ng, Samsung Vina 119 t ng. S tin gii quyt bi thng
940 t ng, t l bi thng 54%. Cc doanh nghip c t l bi thng cao gm Bo
Long 579%, PTI 384%, Ph Hng 126%, Bo Minh 117%, UIC 94%. Company
Logo 23. www.themegallery.com Bo him chy n bt buc t doanh thu 1.020
t ng, dn u l Bo Minh 326 t ng, Pjico 154 t ng, Bo Vit 90 t ng, PVI
51 t ng. Bi thng ton th trng 248 t ng, t l bi thng 24%. DNBH c t l
bi thng cao UIC 167%, Bo Ngn 80%, Ton Cu 69%, Bo Long 62%. Company
Logo 5. Bo him chy n v mi ri ro ti sn 24. www.themegallery.com Bo
him hng ha vn chuyn Company Logo 25. www.themegallery.com 6. Bo him
hng ha vn chuyn Bo him hng ha vn chuyn t doanh thu 1.783 t ng, tng
43% ph hp vi tng trng kim ngch xut nhp khu. Cc DNBH c doanh thu cao
gm Bo Vit 393 t ng, Samsung Vina 231 t ng, PJICO 195 t ng, PVI 177
t ng, Bo Minh 133 t ng. T l bi thng chim 26% tng ng 474 t ng. Cc
doanh nghip c t l bi thng cao gm BIC 92%, Bo Long 54%, Bo Ngn 49%.
Company Logo 26. www.themegallery.com Company Logo Bo him nhn th3
27. www.themegallery.com 1. S lng hp ng bo him: Company Logo S lng
khai thc mi t 880.928 hp ng (sn phm chnh), tng 7%, trong Prudential
331.725 hp ng, Bo Vit Nhn th 140.019 hp ng v Manulife 95.394 hp ng.
C cu s lng hp ng khai thc mi: bo him hn hp 41,3%; bo him t k 31,9%;
bo him u t 26%; bo him trn i, bo him sinh k v sn phm bo him tr tin
nh k 0,7%. 28. www.themegallery.com 2. S tin bo him: Tng mc trch
nhim m cc DNBH Nhn th ang nm gi l 465 nghn t ng tng 24% so vi cng k
nm ngoi trong mc trch nhim ca cc sn phm chnh t 343 nghn t ng tng
35%, mc trch nhim ca cc sn phm ph t 122 nghn t ng tng 7%. Sn phm bo
him c mc trch nhim cao nht l sn phm u t vi 169 ngn t. Cc doanh
nghip c tng mc trch nhim cao trn th trng bo him l: Prudential 139
ngn t, Dai-ichi Life v ACE Life l 72,5 ngn t ng v AIA l 66 ngn t.
Company Logo 29. www.themegallery.com 3. Ph bo him: Ph bo him nh k
nm u trong nm 2011 t 4.565 t ng tng 23,5%, ph bo him ng mt ln l 52
t ng tng 2,7%. Tng ph khai thc mi trong nm t 4.617 t ng tng 23%,
trong Prudential 1.313 t ng, Bo Vit Nhn th 1.030 t ng v Manulife
537 t ng. Tng ph bo him ton th trng l 16.025 t ng, tng 16,2%, trong
Prudential 6.009 t ng chim 37,5% th phn, Bo Vit Nhn th 4.515 t ng
chim 28,2% th phn v Manulife 1.778 t, chim 11,1% th phn. Company
Logo 30. www.themegallery.com 4. Tr tin bo him: Tng s tin cc doanh
nghip bo him chi tr quyn li cho cc khch hng trong nm 2011 l 6.029 t
ng, trong Bo Vit 3.150 t ng, Prudential 1.679 t ng v Manulife 560 t
ng. Tng s gi tr hon li l 2.379 t ng, trong Prudential 1.106 t ng,
Bo Vit Nhn th 625 t ng v Manulife 337 t ng. Company Logo 31.
www.themegallery.com 5. S lng i l bo him. Tnh n ht nm 2011, tng s
lng i l c mt trn th trng l 202.956 ngi tng 25%, trong Prudential
102.130 ngi, Bo Vit Nhn th 23.725 ngi v Cathay Life 16.942 ngi. S
lng i l mi tuyn dng trong nm 2011 l 134.106 ngi tng 24%, trong
Prudential 42.911 ngi, Cathay Life 17.245 ngi v Dai-ichi Life
15.640 ngi. Company Logo 32. www.themegallery.com 6. Xu hng th trng
trong nm 2012 Tc ng ca chnh sch gii hn tng trng tn dng trong h thng
ngn hng l yu t tch cc thc y s hp tc su rng gia h thng ngn hng vi bo
him, l tn hiu kh quan cho s pht trin mnh cc sn phm bo him ngn hng
Chi ph ch s dng lao ng mua bo him cho ngi lao ng c tnh vo chi ph
trc thu s to tin cho sn phm bo him nhn th nhm hng ti doanh nghip.
Hn ch ca h thng bo him y t vi quyn li thp s l c hi thc y s pht trin
hn na cc sn phm bo him nhn th c nhiu quyn li chm sc y t cht lng cao
v cc dng sn phm bo him sc khe c gi tr cao. Company Logo 33.
www.themegallery.com D BO TH TRNG BO HIM NM 2012 Company Logo 34.
www.themegallery.com D BO TH TRNG BO HIM NM 2012 Nm 2012, nhng kh
khn vn c t nm 2011 vn tip tc din ra, nguy c lm pht cn cao, nh nc
tin hnh ti cu trc nn kinh t, trong trng tm ti cu trc ngn hng, chng
khon, bo him s tc ng ti th trng bo him. D bo th trng bo him ti sn s
tng chm li do tip tc tht cht tn dng qun l chi tiu v u t cng buc cc
DNBH Phi nhn th phi chuyn hng sang pht trin th trng, sn phm bo him
phi ti sn. Company Logo 35. www.themegallery.com Nhiu doanh nghip
phi sn xut cm chng hoc ngng hot ng v kh tip cn c tn dng ngn hng lm
tng s lng lao ng tht nghip v gim thu nhp gy nh hng n nhu cu mua bo
him nhn th. Th trng chng khon, bt ng sn cha c nhiu khi sc lm cho cc
DNBH thn trng hn vi danh mc u t trong lnh vc ny. Company Logo D BO
TH TRNG BO HIM NM 2012 36. www.themegallery.com Ch qun l nh nc v
hot ng kinh doanh bo him s hon thin thm mt bc vi vic chnh ph ban
hnh Chin lc pht trin th trng bo him Vit Nam giai on 2011 2020, B Ti
chnh ban hnh thng t hng dn ch hch ton, k ton trong DNBH Nhn th -
Phi nhn th, thng t sa i thng t 126, 103 v y mnh trin khai th im bo
him nng nghip, bo him tn dng xut khu. Company Logo D BO TH TRNG BO
HIM NM 2012 37. www.themegallery.com C hi ang n vi DNBH cn nm bt
pht trin. Trc ht cn pht trin cc sn phm bo him c h tr bi cc vn bn
php quy nh bo him tn dng xut khu, bo him nng nghip, bo him trch
nhim c s khm cha bnh, bo him chy n bt buc, bo him TNDS ch xe c gii
(c sa i b sung), bo him nhn th do ch s dng lao ng mua cho ngi lao
ng. Company Logo D BO TH TRNG BO HIM NM 2012 38.
www.themegallery.com B Ti chnh ku gi cc DNBH thc hnh tit kim, ct
gim chi ph t 5% - 10%, sp xp li DNBH, ti cu trc li th trng bo him,
buc cc DNBH phi t i mi, nng cao nng lc kinh doanh bo him, qun tr iu
hnh, qun l ri ro, chm sc khch hng v nng cao nng lc cnh tranh lnh
mnh. Company Logo D BO TH TRNG BO HIM NM 2012 39.
www.themegallery.com Nm bt c hi, vt qua th thch, th trng bo him phi
nhn th c th t tng trng 20% (khong 24.200 t ng), nhn th tng trng 15%
(khong 18.400 t ng) v tng u t vo nn kinh t x hi t 115.000 t ng.
Company Logo D BO TH TRNG BO HIM NM 2012 40. www.themegallery.com
Ngun d liu: Hip hi Bo him Vit Nam www.avi.org.vn Company Logo 41.
LOGO www.themegallery.com
