Valul de inundatii din Thailanda, care a durat nu mai putin de 160 de zile si cauzat 790 de fatalitati si 45 de miliarde de dolari pagube materiale, va impinge valoarea totala a daunelor achitate de asiguratori in 2011 la peste 100 de miliarde de dolari; o valoare dubla comparativ cu anul trecut, potrivit unui raport al broker-ului
Marsh.
O piata cu doua viteze Totusi, desi rata daunalitatii a continuat sa creasca in majoritatea zonelor geografice afectate de catatrofe naturale si pe diferite clase de afaceri in trimestrul al patrulea din 2011, in alte sectore de asigurari si regiuni ale lumii au scazut sau a ramas la un nivel stabil.
![](data: image/jpeg;base64,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)
Spre exemplu, aproape jumatate din clientii Marsh din Statele Unite cu asigurari de tip property si-au reinoit politele la costuri mai mari, comparative cu doar 31% dintre acestia in prima jumatate a anului 2011. In Japonia, asigurarile ce acopera riscul de cutremur s-au scumpit cu 50%. In Thailanda, unde daunele asigurate suferite in urma inundatiilor din zona Bagkok s-au ridicat la 10 miliarde dolari, cresterile au fost de 30%.
De asemenea, la nivel mondial, costurile cu beneficiile pentru angajati au crescut datorita costurilor crescande cu serviciile medicale. Spre exemplu, in India, angajatorii au platit cu 20% mai mult pentru aceleasi programme de beneficii.
Prime de asigurare mai scumpe In acelasi timp, asiguratorii raspund daunelor record din 2011 cautand cresterea primelor de asigurare pentru clientii cu daunalitate mare si expunere la riscuri catastrofale. Astfel, in ciuda faptului ca s-au inregistrat daune de peste 100 miliarde de dolari in 2011, in piata de asigurari s-au inregistrat si cresteri semnificative de preturi.
In graficul urmator este evidentiat ritmul de crestere al valorii primelor de asigurare pe diferite piete locale. (Sursa:
Marsh)
Calculator Salariu: Află câți bani primești în mână în funcție de salariul brut »
Wall-Street.ro este un cotidian de business fondat în 2005, parte a grupului InternetCorp, unul dintre cei mai mari jucători din industria românească de publishing online.Pe parcursul celor peste 15 ani de prezență pe piața media, ne-am propus să fim o sursă de inspirație pentru mediul de business, dar și un canal de educație pentru pentru celelalte categorii de public interesate de zona economico-financiară.În plus, Wall-Street.ro are o experiență de 10 ani în organizarea de evenimente B2B, timp în care a susținut peste 100 de conferințe pe domenii precum Ecommerce, banking, retail, pharma&sănătate sau imobiliare. Astfel, am reușit să avem o acoperire completă - online și offline - pentru tot ce înseamnă business-ul de calitate.
Te-ar putea interesa și: