{"id":6794,"date":"2013-11-25T11:42:25","date_gmt":"2013-11-25T11:42:25","guid":{"rendered":""},"modified":"2013-11-25T11:42:25","modified_gmt":"2013-11-25T11:42:25","slug":"tregu-i-sigurimeve-dhe-raporti-i-demeve-te-paguara-kundrejt-primeve-2006-2012","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6794","title":{"rendered":"Tregu i Sigurimeve dhe raporti i d\u00ebmeve t\u00eb paguara kundrejt primeve 2006-2012"},"content":{"rendered":"\n<div align=\"justify\">Open Data Albania ka kryer nj\u00eb hulumtim mbi raportin e d\u00ebmeve t\u00eb paguara nga kompanit\u00eb e sigurimit kundrejt primeve t\u00eb paguara sipas kategoris\u00eb s\u00eb sigurimit. Raporti bazohet n\u00eb t\u00eb dh\u00ebnat Autoriteti i Mbik\u00ebqyrjes Financiare. N\u00eb fund t\u00eb vitit 2012, vlera e d\u00ebmeve t\u00eb paguara ishte 31% e primeve t\u00eb mbledhura nga kompanit\u00eb e sigurimeve. Ritmi i rritjes s\u00eb pages\u00ebs s\u00eb d\u00ebmeve ka qen\u00eb shum\u00eb m\u00eb i ul\u00ebt se ritmi i rritjes s\u00eb primeve.<sup><\/p>\n<p>    <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdEFIcmpvcTNZVmJ4eE9yTTg4b1E1aUE&transpose=0&headers=1&range=B6%3AC16&gid=0&pub=1\",\"options\":{\"vAxes\":[{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":false,\"fontSize\":12},\"useFormatFromData\":true,\"title\":\"Vlera n\\u00eb milion\\u00eb lek\\u00eb\",\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"logScale\":false,\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"logScale\":false,\"maxValue\":null}],\"titleTextStyle\":{\"bold\":true,\"color\":\"#000\",\"fontSize\":16},\"booleanRole\":\"certainty\",\"title\":\"Vlera e d\\u00ebmeve t\\u00eb paguara bruto p\\u00ebr periudh\\u00ebn 2003-2012 (n\\u00eb milion\\u00eb lek\\u00eb)\",\"height\":371,\"animation\":{\"duration\":500},\"legend\":\"right\",\"width\":630,\"hAxis\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"useFormatFromData\":true,\"title\":\"Viti\",\"minValue\":null,\"viewWindowMode\":null,\"viewWindow\":null,\"maxValue\":null},\"isStacked\":false,\"tooltip\":{}},\"state\":{},\"view\":{},\"isDefaultVisualization\":false,\"chartType\":\"ColumnChart\",\"chartName\":\"Chart 1\"}\n    <\/script><br \/>Burimi:Autoriteti i Mbik\u00ebqyrjes Financiare&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; <br \/>Komentet dhe p\u00ebrpunimi: ODA<\/p>\n<p><\/sup>Megjithat\u00eb gjat\u00eb vitit 2012 \u00ebsht\u00eb arritur edhe vlera maksimale e raportit t\u00eb d\u00ebmeve t\u00eb paguara kundrejt primeve t\u00eb mbledhura n\u00eb 8 vitet e fundit. Shoq\u00ebrit\u00eb e sigurimeve paguan rreth 2.82 miliard\u00eb lek\u00eb d\u00ebme, ose rreth 26.71% m\u00eb shum\u00eb se n\u00eb vitin 2011. Pjesa m\u00eb e madhe e d\u00ebmeve t\u00eb paguara bruto i p\u00ebrket sigurimeve motorike me 2.13 miliard\u00eb lek\u00eb, apo 75.49% t\u00eb totalit.<sup><\/p>\n<p>    <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdEFIcmpvcTNZVmJ4eE9yTTg4b1E1aUE&transpose=0&headers=0&range=B28%3AC30&gid=0&pub=1\",\"options\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#000\",\"fontSize\":16},\"vAxes\":[{\"useFormatFromData\":true,\"title\":\"Left vertical axis title\",\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}],\"pieHole\":0,\"booleanRole\":\"certainty\",\"title\":\"Struktura e d\\u00ebmeve t\\u00eb paguara, 2012\",\"height\":371,\"animation\":{\"duration\":500},\"colors\":[\"#3366CC\",\"#DC3912\",\"#FF9900\",\"#109618\",\"#990099\",\"#0099C6\",\"#DD4477\",\"#66AA00\",\"#B82E2E\",\"#316395\",\"#994499\",\"#22AA99\",\"#AAAA11\",\"#6633CC\",\"#E67300\",\"#8B0707\",\"#651067\",\"#329262\",\"#5574A6\",\"#3B3EAC\",\"#B77322\",\"#16D620\",\"#B91383\",\"#F4359E\",\"#9C5935\",\"#A9C413\",\"#2A778D\",\"#668D1C\",\"#BEA413\",\"#0C5922\",\"#743411\"],\"width\":630,\"is3D\":false,\"hAxis\":{\"useFormatFromData\":true,\"title\":\"Horizontal axis title\",\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},\"tooltip\":{}},\"state\":{},\"view\":{},\"isDefaultVisualization\":true,\"chartType\":\"PieChart\",\"chartName\":\"Chart 2\"}\n    <\/script><br \/><\/sup>\n<\/div>\n<p><sup>Burimi:Autoriteti i Mbik\u00ebqyrjes Financiare&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; <br \/>Komentet dhe p\u00ebrpunimi: ODA<\/p>\n<p><\/sup> <\/p>\n<div align=\"justify\">Megjithat\u00eb tregu i sigurimeve vijon t\u00eb jet\u00eb ende shum\u00eb problematik p\u00ebr shkak t\u00eb konkurrenc\u00ebs s\u00eb madhe n\u00eb treg q\u00eb shoq\u00ebrohet me luhatje t\u00eb shpeshta t\u00eb \u00e7mimeve t\u00eb primeve t\u00eb sigurimeve.&nbsp; Ligjet n\u00eb fuqi p\u00ebrcaktojn\u00eb se tregu i sigurimit t\u00eb detyruesh\u00ebm motorik, q\u00eb z\u00eb edhe pesh\u00ebn m\u00eb t\u00eb madhe t\u00eb tregut n\u00eb total,&nbsp; \u00ebsht\u00eb i liberalizuar dhe p\u00ebrcaktimi i primit t\u00eb shitjes \u00ebsht\u00eb detyr\u00eb e \u00e7do shoq\u00ebrie sigurimi. N\u00eb k\u00ebto kushte, kompanit\u00eb operojn\u00eb me tarifa t\u00eb ul\u00ebta me synimin p\u00ebr t\u00eb ruajtur pesh\u00ebn e tyre n\u00eb treg. Kjo pasqyrohet me \u00e7mime m\u00eb t\u00eb ul\u00ebta sesa primi i riskut dhe si pasoj\u00eb edhe me nj\u00eb nivel t\u00eb ul\u00ebt t\u00eb pages\u00ebs s\u00eb d\u00ebmeve.<\/p>\n<p>Sigurimi i jet\u00ebs, i ofrohet individ\u00ebve dhe n\u00eb rast t\u00eb vdekjes s\u00eb tyre nj\u00eb individ tjet\u00ebr i p\u00ebrcaktuar nga i siguruari p\u00ebrfiton nj\u00eb shum\u00eb sipas kontrat\u00ebs. Sigurimi i jo-jet\u00ebs p\u00ebrfshin gjith\u00eb sh\u00ebrbimet e sigurimit t\u00eb cilat nuk p\u00ebrfshihen n\u00eb sigurimin e jet\u00ebs (si sigurimi i pasurive t\u00eb paluajtshme, sigurimi i sh\u00ebndetit, i automjeteve etj).<\/p>\n<p><b>Vlera t\u00eb Primeve dhe Pagesave t\u00eb D\u00ebmit sigurimi te<\/b><b><b> jet\u00ebs dhe<\/b> jo &#8211; jet\u00ebs<\/b><sup><\/p>\n<p>    <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdEFIcmpvcTNZVmJ4eE9yTTg4b1E1aUE&transpose=0&headers=1&range=B298%3AF305&gid=0&pub=1\",\"options\":{\"vAxes\":[{\"useFormatFromData\":true,\"title\":\"Left vertical axis title\",\"minValue\":null,\"logScale\":false,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"logScale\":false,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}],\"titleTextStyle\":{\"fontSize\":16},\"booleanRole\":\"certainty\",\"title\":\"Chart title\",\"height\":250,\"animation\":{\"duration\":500},\"legend\":\"right\",\"width\":630,\"hAxis\":{\"useFormatFromData\":true,\"title\":\"Horizontal axis title\",\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}},\"state\":{},\"view\":{},\"isDefaultVisualization\":false,\"chartType\":\"Table\",\"chartName\":\"Chart 6\"}\n    <\/script><br \/>Burimi:Autoriteti i Mbik\u00ebqyrjes Financiare&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; <br \/>Komentet dhe p\u00ebrpunimi: ODA<br \/><\/sup><br \/>N\u00eb 2012, n\u00eb tregun e sigurimit t\u00eb jo-jet\u00ebs, raporti i d\u00ebmeve t\u00eb paguara kundrejt primeve t\u00eb p\u00ebrfituara nga shoq\u00ebrit\u00eb e sigurimeve ka qen\u00eb 32.9%. Kjo \u00ebsht\u00eb llogaritur si raport i d\u00ebmeve t\u00eb paguara (2.64 miliard\u00eb lek\u00eb) kundrejt primeve t\u00eb p\u00ebrfituara (8.04 miliard\u00eb lek\u00eb). D\u00ebmet e paguara i p\u00ebrkasin vitit 2012, por kontratat e sigurimit mund t\u00eb jen\u00eb lidhur m\u00eb par\u00eb, e p\u00ebr pasoj\u00eb primet e paguara lidhur me k\u00ebto kontrata mund t\u2019i p\u00ebrkasin viteve t\u00eb m\u00ebparshme.<\/p>\n<p>Nd\u00ebrkoh\u00eb n\u00eb tregun e sigurimit t\u00eb jet\u00ebs, raporti i d\u00ebmeve t\u00eb paguara kundrejt primeve t\u00eb p\u00ebrfituara nga shoq\u00ebrit\u00eb e sigurimeve ka qen\u00eb m\u00eb i ul\u00ebt vet\u00ebm 17.98%. Kjo \u00ebsht\u00eb llogaritur si raport i d\u00ebmeve t\u00eb paguara (158 milion\u00eb lek\u00eb) kundrejt primeve t\u00eb p\u00ebrfituara (880 milion\u00eb lek\u00eb). Edhe n\u00eb k\u00ebt\u00eb rast primet e paguara lidhur me k\u00ebto kontrata mund t\u2019i p\u00ebrkasin viteve t\u00eb m\u00ebparshme.<sup><\/p>\n<p>    <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdEFIcmpvcTNZVmJ4eE9yTTg4b1E1aUE&transpose=0&headers=1&range=C75%3AE82&gid=0&pub=1\",\"options\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#000\",\"fontSize\":16},\"series\":{\"0\":{\"pointSize\":7},\"1\":{\"pointSize\":7}},\"curveType\":\"function\",\"animation\":{\"duration\":500},\"width\":630,\"lineWidth\":2,\"hAxis\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":false,\"fontSize\":12},\"useFormatFromData\":true,\"title\":\"Viti\",\"minValue\":null,\"viewWindowMode\":null,\"viewWindow\":null,\"maxValue\":null},\"vAxes\":[{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"useFormatFromData\":true,\"title\":\"Vlera\",\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}],\"title\":\"Vlera e Primeve dhe Pagesave t\\u00eb D\\u00ebmit t\\u00eb sigurimit t\\u00eb jet\\u00ebs\",\"booleanRole\":\"certainty\",\"height\":371,\"legend\":\"right\",\"tooltip\":{}},\"state\":{},\"view\":{},\"isDefaultVisualization\":false,\"chartType\":\"LineChart\",\"chartName\":\"Chart 6\"}\n    <\/script><br \/>Burimi:Autoriteti i Mbik\u00ebqyrjes Financiare&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; <br \/>Komentet dhe p\u00ebrpunimi: ODA<\/sup><\/p>\n<p>Tregu i sigurimeve \u00ebsht\u00eb shum\u00eb i r\u00ebnd\u00ebsish\u00ebm sepse lejon kalimin e rreziqeve nga nj\u00eb pal\u00eb tek nj\u00eb tjet\u00ebr. Pra individ\u00ebt dhe bizneset q\u00eb nuk duan t\u00eb mbajn\u00eb rrezik, mund ta kalojn\u00eb at\u00eb tek nj\u00eb shoq\u00ebri sigurimi. Ky \u00ebsht\u00eb nj\u00eb funksion thelb\u00ebsor p\u00ebr funksionimin e mir\u00eb t\u00eb nj\u00eb tregu ekonomik dhe financiar n\u00eb nj\u00eb vend.<br \/> \n<\/div>\n<p><sup><\/sup><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Open Data Albania ka kryer nj\u00eb hulumtim mbi raportin e d\u00ebmeve t\u00eb paguara nga kompanit\u00eb e sigurimit kundrejt primeve t\u00eb paguara sipas kategoris\u00eb s\u00eb sigurimit. Raporti bazohet n\u00eb t\u00eb dh\u00ebnat Autoriteti i Mbik\u00ebqyrjes Financiare. N\u00eb fund t\u00eb vitit 2012, vlera e d\u00ebmeve t\u00eb paguara ishte 31% e primeve t\u00eb mbledhura nga kompanit\u00eb e sigurimeve. Ritmi i rritjes s\u00eb pages\u00ebs s\u00eb d\u00ebmeve ka qen\u00eb shum\u00eb m\u00eb&hellip; <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[39],"tags":[],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_shortlink":"https:\/\/wp.me\/pcJP0S-1LA","_links":{"self":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6794"}],"collection":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6794"}],"version-history":[{"count":0,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6794\/revisions"}],"wp:attachment":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}