Hoi chuyen ong Phung dac Loc, Tong thu ky Hiep hoi bao hiem Viet Nam

Nam 2008, ong nhan dinh the nao ve su phat trien cua thi truong bao hiem nhan tho? Lieu co con giu duoc muc tang truong manh nhu nam 2007 hay khong?

Nam 2007, thi truong bao hiem nhan tho co mot buoc tien ngoan muc. Doanh thu phi bao hiem toan thi truong dat 9.397 ti dong, tang truong 11,84%. So luong hop dong bao hiem den cuoi ky la 7.324.253 hop dong, trong do co 3.822.768 hop dong chinh, tang truong 8,05%, cao nhat trong 3 nam qua. dieu nay chung to cac doanh nghiep bao hiem da co gang dua ra nhieu san pham bao hiem moi thich ung voi nhu cau ngay cang cao cua nguoi dan.

Nam 2008, bao hiem nhan tho cung se ke thua nhung thanh tuu noi tren de tiep tuc phat trien. dac biet voi su ra doi cua cac san pham bao hiem nhu Universal Life (lien ket chung) va Unit-linked (lien ket don vi) se thu hut nhieu khach hang tham gia bao hiem, day manh toc do tang truong va du bao se tang truong tu 20%-25%.

Ông co tin rang su ra doi cua Unit-linked se dem lai su phat trien mang tinh dot pha cho thi truong bao hiem nhan tho Viet Nam ke tu 2008?

Vang, do la su dot pha. Khi thi truong chung khoan ra doi va phat trien, nhieu nguoi co tien nhan roi muon tham gia dau tu dai han nhung khong co dieu kien truc tiep mua ban cac loai co phieu tren thi truong thi ho co the uy thac dau tu cua minh cho cac quy dau tu chung khoan.

dap ung nhu cau nay, bao hiem nhan tho da dua ra san pham bao hiem lien ket don vi. Nguoi tham gia bao hiem lien ket don vi vua duoc bao hiem rui ro thien tai, tai nan bat ngo, vua tro thanh nha dau tu thong qua hinh thuc lien ket voi doanh nghiep bao hiem dau tu vao cac quy lien ket don vi do.

day la mot nhu cau rat lon cua thi truong va neu dap ung duoc nhu cau nay thi thi truong bao hiem nhan tho se co buoc tang truong dot pha, co the tang truong hon ca muc tang truong dot bien cua nam 2007.

Dua vao dau ma ong co the ky vong nhu vay?

Chung toi ky vong nhu vay vi thi truong chung khoan da co thoi ky phat trien thu hut va rat hap dan voi dong dao cong chung. Voi san pham bao hiem lien ket don vi, khach hang chi can tiet kiem mot so tien toi thieu la 5 trieu dong/nam la co the tro thanh nha dau tu qua cac quy lien ket dau tu cua cac doanh nghiep bao hiem.

Hon nua, tham gia bao hiem lien ket don vi, nguoi tham gia bao hiem dam bao duoc tinh an toan, kha nang sinh loi cao hon tien gui tiet kiem ngan hang, co quyen linh hoat hon trong viec quyet dinh thay doi co cau dau tu vao cac quy lien ket don vi khac nhau hoac thu ve ket qua dau tu vao cac quy lien ket don vi de su dung viec khac.

Theo tinh toan cua chung toi, so nguoi co the de danh tren 5 trieu dong/nam de tham gia bao hiem lien ket don vi la rat lon, nhu cong chuc, vien chuc, nhan vien o cac doanh nghiep co von dau tu nuoc ngoai, o nhung nganh nghe co thu nhap kha, cac ho tieu thuong, tieu chu, chu trang trai ke ca nhung doi tuong nay dang song o vung sau, vung xa, nong thon. do la nhung khach hang tiem nang cua bao hiem lien ket don vi.

Voi tu cach cua Hiep hoi, ong co loi khuyen gi voi cac khach hang khi tham gia mua san pham Unit-linked?

Khach hang tham gia bao hiem lien ket don vi cung co nghia la khach hang da tro thanh nha dau tu tai chinh ma chu yeu la trong linh vuc chung khoan thong qua viec dau tu vao cac quy lien ket don vi cua doanh nghiep bao hiem. Vi vay, doi voi khach hang tham gia bao hiem lien ket don vi chung toi dua ra 4 khuyen cao.

Thu nhat, can xac dinh minh la nha dau tu dai han, xac dinh duoc kha nang dong phi bao hiem hang thang, hang quy, hang nam voi so tien tiet kiem duoc mang tinh on dinh lau dai chac chan.

Neu gap kho khan khong dong duoc phi bao hiem dan den phai rut tien truoc han thi vua thiet hai cho khach hang (khong nhan duoc du so tien da dong vi phai tra phi cho doanh nghiep bao hiem) vua thiet hai cho doanh nghiep bao hiem (phai rut von dau tu khi da bo chi phi dau tu) vua thiet hai cho nen kinh te quoc dan (vi mot so von dau tu bi rut khoi).

Thu hai, can xac dinh minh la nhom doi tuong nao trong 5 nhom doi tuong (than trong, tuong doi than trong, binh on, tuong doi mao hiem, mao hiem) vi o bao hiem lien ket don vi lai dau tu khach hang duoc huong va tat nhien thiet hai (lo) dau tu phai tu ganh chiu. Mao hiem hua hen sinh loi cao nhung kha nang that bai se lon, an toan thi tat nhien la sinh loi thap.

Thu ba, can truy cap thong tin qua trang web cua doanh nghiep bao hiem va trang bao hang tuan ma doanh nghiep bao hiem lua chon dang tai thong tin de thay duoc bien dong thi truong cua cac quy lien ket don vi va gia mua, gia ban cua don vi quy lien ket don vi.

Thu tu, can yeu cau dai ly bao hiem hoac doanh nghiep bao hiem giai thich can ke truoc khi tham gia bao hiem hoac trong khi tham gia bao hiem.