N\u00ebse e shikojm\u00eb vendin si an\u00ebtar i Bashkimit Europian, nj\u00eb nd\u00ebr prioritetet strategjike \u00ebsht\u00eb zhvillimi i sektorit t\u00eb sigurimeve si nj\u00eb instrument thelb\u00ebsor p\u00ebr mbrojtjen dhe q\u00ebndrueshm\u00ebrin\u00eb ekonomike.<\/p>\n\n\n\n
N\u00eb k\u00ebt\u00eb kontekst, Shqip\u00ebria p\u00ebrballet me sfid\u00ebn e madhe t\u00eb p\u00ebrshpejtimit t\u00eb zhvillimit t\u00eb k\u00ebtij sektori, duke e konsideruar at\u00eb jo thjesht si nj\u00eb komponent financiar, por si nj\u00eb shtyll\u00eb t\u00eb siguris\u00eb ekonomike dhe sociale.<\/p>\n\n\n\n
Aktualisht, niveli i sigurimeve p\u00ebr frym\u00eb n\u00eb Shqip\u00ebri mbetet duksh\u00ebm m\u00eb i ul\u00ebt krahasuar me vendet e rajonit dhe sidomos me vendet e Bashkimit Evropian. P\u00ebr ilustrim, nd\u00ebrsa n\u00eb Shqip\u00ebri ky tregues \u00ebsht\u00eb m\u00eb pak se 100 euro p\u00ebr frym\u00eb, n\u00eb vendet e BE-s\u00eb kalon mesatarisht mbi 2000 euro p\u00ebr frym\u00eb. Kjo tregon p\u00ebr nj\u00eb boshll\u00ebk t\u00eb theksuar n\u00eb nd\u00ebrgjegj\u00ebsimin dhe p\u00ebrdorimin e instrumenteve t\u00eb sigurimit.<\/p>\n\n\n\n
Deri m\u00eb sot \u00ebsht\u00eb v\u00ebrejtur nj\u00eb rritje e q\u00ebndrueshme n\u00eb segmentin e sigurimeve vullnetare t\u00eb sh\u00ebndetit dhe automjeteve. Megjithat\u00eb, potenciali m\u00eb i madh p\u00ebr zhvillim q\u00ebndron n\u00eb sigurimin e pron\u00ebs dhe kapitalit kundrejt rreziqeve themelore si zjarri, t\u00ebrmeti dhe p\u00ebrmbytjet. T\u00eb dh\u00ebnat nga autoritetet p\u00ebrkat\u00ebse tregojn\u00eb se aktualisht vet\u00ebm 5% e fondit t\u00eb p\u00ebrgjithsh\u00ebm t\u00eb pron\u00ebs \u00ebsht\u00eb e siguruar.<\/p>\n\n\n\n
N\u00eb dekad\u00ebn e fundit, jan\u00eb sh\u00ebnuar ndryshime klimaterike t\u00eb konsiderueshme q\u00eb kan\u00eb \u00e7uar n\u00eb intensifikimin e humbjeve materiale, p\u00ebr shkak t\u00eb motit ekstrem dhe t\u00eb paparashikuesh\u00ebm. Fenomene si uraganet, zjarret masive, p\u00ebrmbytjet dhe t\u00ebrmetet, kan\u00eb d\u00ebshmuar dob\u00ebsin\u00eb e sistemit aktual t\u00eb menaxhimit t\u00eb rreziqeve, duke e b\u00ebr\u00eb t\u00eb domosdoshme forcimin e rolit t\u00eb sigurimeve si mekaniz\u00ebm kompensues dhe preventiv.<\/p>\n\n\n\n
Nd\u00ebrkoh\u00eb q\u00eb debatojm\u00eb p\u00ebr shpejt\u00ebsin\u00eb e reagimit n\u00eb raste emergjente, mungojn\u00eb diskutimet serioze mbi nivelin e mbulimit t\u00eb humbjeve dhe shtrirjen e sigurimeve n\u00eb popullat\u00eb. Duhet theksuar se qeveria nuk \u00ebsht\u00eb dhe nuk duhet t\u00eb jet\u00eb mbrojt\u00ebsja e pasuris\u00eb private nga rreziqet natyrore; ajo ka p\u00ebr detyr\u00eb vet\u00ebm mbrojtjen e jet\u00ebs njer\u00ebzore p\u00ebrmes strukturave t\u00eb emergjenc\u00ebs civile, por jo p\u00ebr t\u00eb kompensuar d\u00ebmet financiare.<\/p>\n\n\n\n
Vet\u00eb shteti siguron pronat e veta ndaj k\u00ebtyre rreziqeve n\u00ebp\u00ebrmjet sistemit t\u00eb sigurimeve dhe ky \u00ebsht\u00eb nj\u00eb standard i pranuar nd\u00ebrkomb\u00ebtarisht. Aktor\u00ebt kryesor\u00eb q\u00eb kontribuojn\u00eb n\u00eb zhvillimin dhe funksionimin e sektorit t\u00eb sigurimeve jan\u00eb:<\/p>\n\n\n\n
1. Rregullatori (Autoriteti i Mbik\u00ebqyrjes Financiare \u2013 AMF)<\/em><\/strong><\/p>\n\n\n\n AMF \u00ebsht\u00eb organi p\u00ebrgjegj\u00ebs p\u00ebr mbik\u00ebqyrjen dhe rregullimin e tregut t\u00eb sigurimeve. P\u00ebrve\u00e7 mbik\u00ebqyrjes s\u00eb p\u00ebrputhshm\u00ebris\u00eb me ligjet dhe standardet, AMF harton akte n\u00ebnligjore dhe rregullative q\u00eb mund\u00ebsojn\u00eb zhvillimin dhe stabilitetin e tregut.<\/p>\n\n\n\n 2. Operator\u00ebt (Shoq\u00ebrit\u00eb e sigurimit)<\/em><\/strong><\/p>\n\n\n\n Shoq\u00ebrite ofrojn\u00eb produkte sigurimi p\u00ebr t\u00eb gjitha klasat e rreziqeve, n\u00eb p\u00ebrputhje me standardet dhe praktikat nd\u00ebrkomb\u00ebtare t\u00eb menaxhimit t\u00eb rrezikut.<\/p>\n\n\n\n 3. Nd\u00ebrmjet\u00ebsit (Brokerat)<\/em><\/strong><\/p>\n\n\n\n Jan\u00eb subjekte t\u00eb specializuara q\u00eb veprojn\u00eb si nd\u00ebrmjet\u00ebs midis klient\u00ebve dhe shoq\u00ebrive t\u00eb sigurimit, duke ofruar konsulenc\u00eb, krahasim produktesh dhe mbrojtje t\u00eb interesave t\u00eb konsumator\u00ebve.<\/p>\n\n\n\n 4. Konsumator\u00ebt<\/em><\/strong><\/p>\n\n\n\n K\u00ebrkojn\u00eb informacion t\u00eb vazhduesh\u00ebm mbi rreziqet dhe m\u00ebnyrat e mbrojtjes p\u00ebrmes sigurimit, duke u b\u00ebr\u00eb gjithnj\u00eb e m\u00eb t\u00eb vet\u00ebdijsh\u00ebm p\u00ebr rolin e sigurimeve n\u00eb menaxhimin financiar dhe p\u00ebrballjen me pasigurin\u00eb.<\/p>\n\n\n\n Konteksti historik i zhvillimit t\u00eb sektorit n\u00eb Shqip\u00ebri<\/strong><\/p>\n\n\n\n Sektori i sigurimeve n\u00eb Shqip\u00ebri ka nj\u00eb histori t\u00eb gjat\u00eb, q\u00eb daton rreth viteve 1930, ku shoq\u00ebrit\u00eb e para te sigurimeve erdhen ne Shqiperi si pjese shoqeruese te sipemarjeve dhe kapitalit Italian te Investimeve ne Shqiperi per shkak te politikave dhe interesave te ndersjellta te shtetit shqiptar me qeverine Italiane per zhvillimin e ekonomise se vendit.<\/p>\n\n\n\n Pas Luft\u00ebs s\u00eb Dyt\u00eb Bot\u00ebrore, sistemi kaloi n\u00eb modelin shtet\u00ebror dhe rifilloi zhvillimin n\u00eb ekonomi t\u00eb tregut pas viteve \u201990, me liberalizimin e ekonomis\u00eb.<\/p>\n\n\n\n Zhvillimi i sektorit te sigurimeve ne te gjitha vendet perendimore nuk ka ardhur nepermjet sigurimit te detyrueshem \u201dper pergjegjesite ndaj paleve te treta\u201d por nepermjet klasave te sigurimeve vullnetare.<\/p>\n\n\n\n D\u00ebfrim CARCANI<\/em><\/strong><\/p>\n\n\n\n Specialist i sektorit t\u00eb sigurimeve<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" N\u00ebse e shikojm\u00eb vendin si an\u00ebtar i Bashkimit Europian, nj\u00eb nd\u00ebr prioritetet strategjike \u00ebsht\u00eb zhvillimi i sektorit t\u00eb sigurimeve si nj\u00eb instrument thelb\u00ebsor p\u00ebr mbrojtjen dhe q\u00ebndrueshm\u00ebrin\u00eb ekonomike. N\u00eb k\u00ebt\u00eb kontekst, Shqip\u00ebria p\u00ebrballet me sfid\u00ebn e madhe t\u00eb p\u00ebrshpejtimit t\u00eb zhvillimit t\u00eb k\u00ebtij sektori, duke e konsideruar at\u00eb jo thjesht si nj\u00eb komponent financiar, por […]<\/p>\n","protected":false},"author":15,"featured_media":75722,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","inline_featured_image":false,"footnotes":""},"categories":[333,322,320],"tags":[],"class_list":["post-75725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogu","category-lajme","category-publikimet","post-wrapper","thrv_wrapper"],"acf":[],"_links":{"self":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts\/75725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/comments?post=75725"}],"version-history":[{"count":0,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts\/75725\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/media\/75722"}],"wp:attachment":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/media?parent=75725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/categories?post=75725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/tags?post=75725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}