{"id":228383,"date":"2024-07-08T13:25:58","date_gmt":"2024-07-08T13:25:58","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=228383"},"modified":"2024-07-08T13:25:58","modified_gmt":"2024-07-08T13:25:58","slug":"asigurarile-de-viata-incep-sa-creasca-mai-mult-dar-nu-depasesc-pragul-de-3-mld-lei","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=228383","title":{"rendered":"Asigur\u0103rile de via\u0163\u0103 \u00eencep s\u0103 creasc\u0103 mai mult, dar nu dep\u0103\u015fesc pragul de 3 mld. lei"},"content":{"rendered":"<div>\n<p>\nVia\u0163a asigur\u0103rilor de via\u0163\u0103 a ajuns la finalul anului 2023 la 2,97 mld. lei, \u00een cre\u015ftere cu 12% fa\u0163\u0103 de anul 2022. De\u015fi avansul este unul mai mare dec\u00e2t cel al asigur\u0103rilor generale, chiar mai mare dec\u00e2t al \u00eentregii pie\u0163e, volumul r\u0103m\u00e2ne \u00een continuare sub pragul de 3 mld. lei, \u00een timp ce ponderea \u00een totalul primelor brute subscrise se afl\u0103 la cel mai mic nivel, respectiv 16%.<\/p>\n<\/div>\n<p>\nAsigur\u0103rile de via\u0163\u0103 au fost \u00eentotdeauna un segment care a avut o evolu\u0163ie mai lent\u0103, pia\u0163a concentr\u00e2ndu-se de-a lungul timpului mai mult pe zona asigur\u0103rilor generale, mai exact asupra asigur\u0103rilor obligatorii auto. Falimentele recente din pia\u0163\u0103, respectiv pr\u0103bu\u015firea companiei City Insurance spre finalul anului 2021 \u015fi c\u0103derea companiei Euroins Rom\u00e2nia, au deviat aten\u0163ia din ultimii ani spre aceast\u0103 zon\u0103, mai ales din cauza efectelor care au urmat, precum cre\u015fterea contribu\u0163iei la Fondul de Garantare a Asigura\u0163ilor (FGA), plafonarea tarifelor RCA \u015fi dezechilibrul l\u0103sat \u00een urm\u0103.<\/p>\n<p>\nCu toate acestea, pia\u0163a asigur\u0103rilor de via\u0163\u0103 a continuat s\u0103 prind\u0103 teren, chiar dac\u0103 volumul nu a spart bariera de&nbsp;3 mld. lei la finalul anului 2023. Din perspectiva principalilor juc\u0103tori din pia\u0163a asigur\u0103rilor de via\u0163\u0103, NN Asigur\u0103ri de Via\u0163\u0103 \u00ee\u015fi men\u0163ine pozi\u0163ia de lider, dep\u0103\u015find pragul de&nbsp;1 mld. lei la finalul anului 2023, urmat de sucursala Metropolitan Life cu un volum al primelor brute subscrise de&nbsp;625 mil. lei, iar podiumul este completat de BCR Asigur\u0103ri de Via\u0163\u0103, cu un volum al primelor brute subscrise de 479 mil. lei, conform datelor colectate de ZF.<\/p>\n<p>\n\u00cen ceea ce prive\u015fte tipurile de poli\u0163e de asigur\u0103ri de via\u0163\u0103 \u00een 2023, cele mai mari ponderi le de\u0163in asigur\u0103rile tradi\u0163ionale, respectiv 56% din totalul subscrierilor, \u00een timp ce asigur\u0103rile de tip unit-linked, cu component\u0103 de investi\u0163ie, au avut o pondere de 32% \u00een totalul subscrierilor. Comparativ cu anul 2022, asigur\u0103rile de via\u0163\u0103 cu component\u0103 investi\u0163ional\u0103 au prins teren \u00een anul 2023, ceea ce a dus la o cre\u015ftere de 50% a volumului de prime brute subscrise, ajung\u00e2nd p\u00e2n\u0103 la&nbsp;940,9 mil. lei, \u00een timp ce asigur\u0103rile de via\u0163\u0103 tradi\u0163ionale au sc\u0103zut u\u015for cu 4%, p\u00e2n\u0103 la 1,67 mld. lei \u00een 2023.<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/22428126\/2\/2.jpg?height=308&#038;width=640\" style=\"width: 640px; height: 308px;\" \/><\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Via\u0163a asigur\u0103rilor de via\u0163\u0103 a ajuns la finalul anului 2023 la 2,97 mld. lei, \u00een cre\u015ftere cu 12% fa\u0163\u0103 de anul 2022. De\u015fi avansul este unul mai mare dec\u00e2t cel al asigur\u0103rilor generale, chiar mai mare dec\u00e2t al \u00eentregii pie\u0163e, volumul r\u0103m\u00e2ne \u00een continuare sub pragul de 3 mld. lei, \u00een timp ce ponderea \u00een [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[331,11905,15645,231],"class_list":["post-228383","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-asigurari","tag-asigurari-de-viata","tag-prag","tag-viata"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/228383","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=228383"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/228383\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=228383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=228383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=228383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}