Thi Truong BH

B TI CHNH
TH TRNG
BO HIM VIT NAM
NM 2011
NH XUT BN TI CHNH
H NI 2012
Th trng bo him Vit Nam nm 2011
V S PHT TRIN N NH V BN VNG CA TH TRNG BO HIM
m 2011 l nm u tin Vit Nam thc hin K hoch pht

trin kinh t-x hi giai on 5 nm 2011-2015. Mc d vn
phi i mt vi nhiu kh khn, thch thc sau thi gian
b tc ng mnh ca suy thoi kinh t ton cu, song vi
s ch o st sao v kp thi ca Chnh ph, nn kinh t-x hi
dn c phc hi v t c mt s thnh tu nht nh so vi
nm 2010: GDP tng 5,89%, vn u t ton x hi tng 5,7%, kim
ngch hng ho xut nhp khu u tng mnh, t l nhp siu
hng ho so vi kim nghch xut khu t mc thp nht k t
nm 2002. Trong bi cnh chung , ngnh bo him tip tc
duy tr c tc pht trin n nh, bn vng, gp phn vo
ng ch Vng nh Hu
tng trng nn kinh t v m bo an sinh x hi.
B trng B Ti chnh
Nm 2011, khung php l v kinh doanh bo him tip tc

c hon thin vi Lut sa i, b sung Lut Kinh doanh bo him c hiu lc, nhiu vn bn
php quy hng dn Lut c ban hnh ng b, to thun li cho hot ng ca cc doanh
nghip kinh doanh bo him. Tnh n 31/12/2011, c 57 doanh nghip hot ng trn th
trng bo him Vit Nam trong cc lnh vc bo him nhn th, bo him phi nhn th, ti bo
him v mi gii bo him. Thm vo , s c mt ca 32 vn phng i din ca cc t chc
bo him nc ngoi ti Vit Nam cng gp phn tng cng nim tin ca cc nh u t nc
ngoi ti Vit Nam. Nm 2011, doanh thu ph bo him t 36.574 t ng, duy tr tc tng
trng n nh mc 18,58% so vi nm 2010, u t tr li nn kinh t t 83.080 t ng,
tng 5,07%, bi thng tr tin bo him t 15.972 t ng, tng 29,85%. Ngnh bo him
gii quyt cng n vic lm cho 303.810 lao ng.
c bit, nm 2011, th trng bo him c 02 doanh nghip bo him c t chc
quc t A.M.Best xp hng B++ v B+ v nng lc ti chnh. iu ny th hin tnh chuyn
nghip, bc u khng nh ng cp v uy tn ca cc doanh nghip bo him Vit Nam trn
th trng bo him khu vc v th gii.
Ngy 15/2/2012, Th tng Chnh ph k ban hnh Quyt nh s 193/Q-TTg v
Chin lc pht trin th trng bo him Vit Nam giai on 2011-2020, trong c nhiu gii
php ng b. Trong nm 2012, vi mc tiu duy tr th trng bo him pht trin an ton, bn
vng v hiu qu; p ng nhu cu bo him a dng ca cc t chc, c nhn; tip cn cc
chun mc, thng l quc t v kinh doanh bo him v tng bc thu hp khong cch pht
trin vi cc quc gia trong khu vc, B Ti chnh s tp trung thc hin cc gii php chnh bao
gm: tip tc hon thin c ch chnh sch v kinh doanh bo him, tng cng qun l, gim
st nh nc, ti cu trc doanh nghip bo him, y mnh hn na vic trin khai thc hin
mt s chng trnh th im bo him ca nh nc nh bo him nng nghip v bo him
tn dng xut khu.
Mc d nm 2012 cn nhiu kh khn, thch thc, song vi s quyt tm v n lc c
gng ca cc doanh nghip bo him cng c quan qun l, gim st bo him v Hip hi bo
him, ngnh bo him Vit Nam d kin s tip tc duy tr tc tng trng ca nm 2011,
trong doanh thu ph bo him d kin tng trng l 17%, v u t tr li nn kinh t tng
30% so vi nm 2011.
CC CH TIU PHT TRIN CH YU

2006
2007
2008
2009
2010
2011
- Tng s DNBH, MGBH
37
40
49
50
53
57
- Doanh nghip phi nhn th
21
22
27
28
29
29
- Doanh nghip nhn th
11
11
12
14
- Doanh nghip ti bo him
- Doanh nghip mi gii bo

him
10
10
11
12
2. Quy m th trng bo
him (t ng)
18.376
24.273
28.054
32.821
39.138
47.007
- Doanh thu ph bo him
14.898
17.650
21.255
25.593
30.842
36.574
+ Phi nhn th
6.403
8.213
10.948
13.754
17.070
20.576
+ Nhn th
8.495
9.437
10.307
11.839
13.772
15.998
- Doanh thu u t (t ng)
3.478
6.623
6.799
7.228
8.296
10.433
- ng gp vo GDP (%)
1,75
2,12
1,90
1,99
1,98
1,85
+ Phi nhn th
0,61
0,72
0,74
0,83
0,86
0,81
+ Nhn th
0,81
0,82
0,70
0,72
0,70
0,63
+ Hot ng u t
0,33
0,58
0,46
0,44
0,42
0,41
- Ph bo him bnh qun

u ngi (nghn ng)
177
207
247
295
450
535
3. ng gp vo n nh
kinh t - x hi
9.957
14.605
14.370
14.972
19.101
22.024
- Bi thng v tr tin bo
him (t ng)
5.690
6.627
9.533
8.956
12.300
15.972
- Lp d phng nghip v
m bo trch nhim
cam kt (t ng)
4.267
7.978
4.837
6.016
6.801
6.052
30.661
46.549
56.435
65.094
79.069
83.080
- Tng ti sn (t ng)
39.698
57.543
71.831
84.977
99.330
107.001
- Tng d phng nghip v

(t ng)
27.707
35.685
42.214
48.641
55.324
62.199
1. Kt cu th trng
4. u t tr li nn kinh t
(t ng)
5. Nng lc ti chnh ngnh
bo him
- ng gp vo Ngn sch Nh
nc (t ng) (c)
6. Gii quyt cng n vic lm
(lao ng v i l bo him)
2.723
118.200
131.910
135.256
187.702
243.203
303.810

TNG QUAN TH TRNG BO HIM VIT NAM NM 2011
1. C CU TH TRNG
Nm 2011, c 57 doanh nghip thuc mi thnh phn kinh t tham gia hot ng kinh doanh
bo him, bao gm 26 cng ty TNHH 1 thnh vin, 8 cng ty TNHH 2 thnh vin tr ln v 23
cng ty c phn.
Bng 1. S lng cc cng ty bo him theo loi hnh doanh nghip
Loi hnh doanh nghip/hnh thc php l
Phi nhn th
Nhn th
Ti bo him
Mi gii bo him
Tng cng
TNHH 1
thnh vin
11
11
1
3
26
TNHH 2
thnh vin tr ln
3
3
0
2
8
C phn
Tng cng
15
0
1
7
23
29
14
2
12
57
Bn cnh , s gp mt ca 32 vn phng i din ca cc t chc bo him nc ngoi

ti Vit Nam cng gp phn ci thin mi trng u t v tng lng tin ca cc nh u t
nc ngoi khi n u t ti Vit Nam.
2. QUY M TH TRNG
Nm 2011, th trng bo him tip tc duy tr tc tng trng cao so vi tng trng
GDP, doanh thu ton ngnh (k c doanh thu u t) t 47.007 t ng, tng 20,11% so vi
nm 2010 trong doanh thu ph bo him t 36.574 t ng, doanh thu hot ng u t t
10.433 t ng. Trong bi cnh hi nhp kinh t quc t, vai tr, v tr ca cc doanh nghip bo
him trong nc ti khi phi nhn th tip tc c cng c v tng cng, vi doanh thu ph
bo him chim 91,44% tng doanh thu ph bo him phi nhn th. Trong khi , i vi khi
nhn th, doanh thu ph bo him ca cc doanh nghip c vn u t nc ngoi (100% vn
u t nc ngoi hoc lin doanh) li chim phn ln t 77,76% tng doanh thu ph bo him
nhn th.
Bng 2. Doanh thu ph bo him v th phn theo ngnh
Phi nhn th
Nhn th
Ton th trng
Cc ch tiu
n v
2011
2010
2011
2010
2011
2010
Doanh thu ph bo him
T ng
20.576
17.070
15.998
13.772
36.574
30.842
Tc tng trng
20,54
24,11
16,16
16,33
18,58
20,51
T trng/tng ph
56,26
55,35
43,74
44,65
100
100
T trng ph/GDP
0,81
0,86
0,63
0,70
1,44
1,56
3. HOT NG KINH DOANH BO HIM PHI NHN TH

Nm 2011, doanh thu ph bo him phi nhn th t 20.576 t ng, tng 20,54% so vi
nm 2010. Th phn doanh thu ph bo him tip tc tp trung vo 4 doanh nghip ln chim
63,84%, bao gm Bo Vit (23,7%), PVI (20,61%), Bo Minh (10,36%), PJICO (9,17%). 25
doanh nghip bo him phi nhn th cn li ch chim l 36,16% th phn doanh thu ph.

Biu 1. Th phn doanh thu ph bo him nm 2011
3.1. C cu doanh thu v tc tng trng doanh thu ph bo him theo nghip v
3.1.1. Doanh thu ph bo him gc theo nghip v
Nm 2011, doanh thu ph bo him gc ca hu ht cc nghip v chnh u tng so vi
nm 2010, trong c mt s nghip v c tc tng trng cao l: Nghip v bo him hng
ha vn chuyn, tng 42,39%; bo him sc khe, tng 30,59%; bo him ti sn v thit hi,
tng 23,79%; bo him chy, n, tng 23,42%; bo him tn dng v ri ro ti chnh, tng
18,83%. Ring nghip v bo him nng nghip tng 75,6% so vi nm 2010 do nm 2011 l
nm u tin trin khai th im bo him nng nghip theo Quyt nh s 315/Q-TTg ngy
01/3/2011 ca Th tng Chnh ph v vic thc hin th im bo him nng nghip giai on
2011-2013.
Biu 2. Doanh thu ph bo him gc theo nghip v nm 2010-2011
n v: Triu ng

Biu 3. C cu doanh thu ph bo him gc theo nghip v nm 2011
Trong c cu ph bo him theo nghip v nm 2011, nghip v bo him xe c gii chim

t trng ln nht (30,05%), tip n l bo him ti sn v thit hi (24,49%), bo him sc kho
(15,94%); bo him thn tu v trch nhim dn s ch tu (8,95%), bo him hng ho vn
chuyn (8,78%), bo him trch nhim, bo him hng khng, bo him chy, n ln lt chim
t trng t 2,27% n 6,05%. Trong khi , mt s nghip v bo him vn chim t trng rt
thp nh bo him nng nghip (0,08%), bo him tn dng v ri ro ti chnh (0,11%), bo him
thit hi kinh doanh (0,32%).
3.1.2. Doanh thu ph bo him gi li theo nghip v
Sau qu trnh thc hin ng b nhiu gii php trong Chin lc pht trin th trng bo
him, nng lc ti chnh, nng lc kinh doanh ca cc doanh nghip bo him tng ln ng
k, cng tc nh gi ri ro v phng hn ch tn tht cng c ci thin. Kt qu l, mc
ph bo him gi li ca ton th trng bo him phi nhn th tng 17,4% so vi nm 2010, t
12.077 t ng nm 2010 ln 14.179 t ng nm 2011.
Biu 4. Doanh thu ph bo him gi li theo nghip v nm 2011 - 2010
n v: Triu ng

Biu 5.T l ph bo him gi li theo nghip v nm 2011
Nm 2011, t l ph bo him gi li l 68,91%. Trong t l ph bo him gi li ln

nht thuc v nghip v bo him xem c gii (99%), tip theo l nghip v bo him sc kho
(80,79%).
Trong c cu doanh thu ph bo him gi li, nghip v bo him xe c gii chim t
trng ln nht 43,17%, tip n l bo him sc khe 21,8%, bo him ti sn v bo him thit
hi 12,85%... Cc nghip v chim t trng ph bo him gi li thp l bo him tn dng v ri
ro ti chnh 0,03%, bo him nng nghip 0,04%, bo him thit hi kinh doanh 0,26%.
Biu 6. T trng doanh thu ph bo him gi li theo nghip v nm 2011

3.2. Bi thng bo him
S tin bi thng bo him gc nm 2011 l 8.736 t ng, trong s tin bi thng bo
him thuc trch nhim gi li l 6.031 t ng. iu ny th hin vai tr ca bo him trong vic
phng, khc phc v hn ch nhng tn tht cho cc i tng tham gia bo him, gp phn gim
nh gnh nng cho Ngn sch Nh nc.
Bng 3. S tin bi thng bo him phi nhn th 2007-2011
n v: T ng
Nm 2007
Nm 2008
Nm 2009
Nm 2010
Nm 2011
Bi thng bo him gc
3.238
4.598
5.283
6.411
8.736
Bi thng thuc trch nhim gi li
2.493
3.393
3.845
4.810
6.031
3.3. D phng nghip v

Cng vi s tng trng v doanh thu ph bo him v s pht trin hot ng kinh doanh
ca cc doanh nghip bo him, d phng nghip v c tng ln tng ng vi phn trch
nhim bo him gi li, nhm m bo kh nng thanh ton ca doanh nghip bo him. Tng
d phng nghip v bo him phi nhn th nm 2011 tng 28,28% so vi nm 2010 t 9.426 t
ng ln n 12.091 t ng.
Bng 4. Tng d phng nghip v bo him phi nhn th 2007-2011
n v: T ng
D phng nghip v
Nm 2007
Nm 2008
Nm 2009
Nm 2010
Nm 2011
D phng ph
2.634
3.365
4.517
5.612
6.452
D phng bi thng
1.170
1.472
2.052
2.769
4.544
657
666
847
1.045
1.095
4.461
5.503
7.416
9.426
12.091
D phng dao ng ln
Tng cng
Biu 7. Tng d phng nghip v 2007-2011

n v: T ng

4. HOT NG KINH DOANH BO HIM NHN TH
4.1. Tnh hnh khai thc hp ng bo him mi
Trong nm 2011, s lng hp ng khai thc mi ca cc sn phm bo him chnh t
892.209 hp ng, tng 8,93% so vi nm 2010. Tng doanh thu ph bo him ca cc hp
ng khai thc mi ca cc sn phm bo him chnh t 4.245 t ng, tng 19,9% so vi nm
2010. Tng s tin bo him tng ng t 119.849 t ng, tng 23,13% so vi nm 2010.
Bnh qun s tin bo him ca hp ng chnh khai thc mi trong nm 2011 t 134 triu
ng, tng 13,04% so vi nm 2010. C th ni, cht lng khai thc mi ca hp ng bo
him nhn th tng ln ng k.
Bng 5. Tnh hnh khai thc mi ca hp ng bo him chnh nm 2011
Nghip v
Hp ng bo him
(Hp ng)
2011
Bo him trn i
2010
S tin bo him
(Triu ng)
2011
Ph bo him
(Triu ng)
2010
2011
2010
4.726
4.140
710.297
634.000
25.310
21.776
38
942
Bo him t k
284.162
267.426
19.322.934
13.235.162
138.303
95.555
Bo him hn hp
360.245
328.533
27.481.010
19.688.265
2.296.679
1.823.070
1.840
449
33.906
6.377.004
28.217
3.560
Bo him lin kt u t (*)
241.236
218.492
72.301.706
47.140.080
1.757.187
1.595.052
Tng cng
892.209
819.078
119.849.853
97.333.080
4.245.700
3.539.955
Bo him sinh k
Bo him tr tin nh k
(*) Nghip v bo him lin kt u t bao gm bo him lin kt n v v bo him lin kt chung
V th phn doanh thu ph bo him khai thc mi (bao gm c bo him b tr), Prudential
chim t trng 28,47%; Bo Vit Nhn th chim 22,24%; Manulife chim 11,63%; Dai-ichi
chim 10,81%; ACE Life chim 10,02%; AIA chim 9,63%; 8 doanh nghip bo him nhn th
cn li chim th phn khng ng k 7,20%, trong 2 cng ty l Generali v Vietinbank - Aviva
mi c cp Giy php thnh lp v hot ng nm 2011 c doanh thu ph cn rt nh.
Biu 8. Th phn doanh thu ph bo him khai thc mi ca cc doanh nghip nm 2011

Biu 9. Ph bo him v s tin bo him khai thc mi theo nghip v nm 2011
9A. Ph bo him khai thc mi theo nghip v nm 2011
9B.S tin bo him ca cc hp ng khai thc mi theo nghip v nm 2011
Ch thch: do tnh hnh khai thc mi hp ng bo him sinh k thp (s lng hp ng bo him sinh
k khai thc mi l 38 hp ng, ph bo him l 4 triu ng) v vy khng th hin trn biu 9A v 9B.
4.2. Tnh hnh hy b hp ng bo him chnh trong nm 2011

Tng s hp ng bo him hy b trong nm 2011 l 410.616 hp ng, trong s hp
ng bo him b hy b nm th nht l 122.929 hp ng, chim t l 2,75% s hp ng c
hiu lc; s hp ng bo him b hy b nm th 2 l 113.389 hp ng, chim t l 2,53% s

hp ng c hiu lc v s hp ng b hu b trong cc nm sau l 174.298 hp ng, chim
t l 3,89% s hp ng c hiu lc.
Bng 6. Tnh hnh hu b hp ng bo him trong nm 2011
Trong nm hp
ng th nht
Nghip v
S H
Trong nm hp
ng th hai
T l
S H
T l
Trong nm hp
ng sau
S H
T l
Bo him trn i
482
0,73%
1.291
1,96%
3.134
4,75%
Bo him sinh k
10
0,48%
0,05%
218
10,40%
Bo him t k
59.800
9,08%
34.016
5,16%
10.510
1,60%
Bo him hn hp
38.589
1,23%
61.740
1,97%
149.824
4,79%
31
0,33%
161
1,72%
1.033
11,04%
24.017
3,94%
16.180
2,66%
9.579
1,57%
122.929
2,75%
113.389
2,53%
174.298
3,89%
Bo him tr tin nh k
Tng
4.3. Cc hp ng bo him nhn th c hiu lc

Nm 2011, tng s hp ng bo him c hiu lc ca cc sn phm bo him chnh tng
5,62% so vi nm 2010, t 4.476.123 hp ng.
Cc sn phm bo him hn hp vn chim t trng ph bo him cao nht, t 70,68%;
tip theo l cc sn phm bo him lin kt u t chim 20,44%. Tuy nhin, xt v s tin bo
him th sn phm bo him lin kt u t chim t trng cao nht, t 49,83%; sau n sn
phm bo him hn hp chim 37,23%.
Bng 7. Tnh hnh cc hp ng bo him c hiu lc theo nghip v
n v: triu ng
Nghip v
Hp ng bo him
2011
2010
S tin bo him
2011
2010
Ph bo him
2011
2010
Bo him trn i
65.975
67.154
5.788.030
5.554.481
175.714
176.950
Bo him sinh k
2.096
2.334
90.522
101.245
10.659
12.612
658.892
516.471
38.858.032
27.928.300
260.773
157.710
3.130.997
3.227.595
128.904.904
117.415.677
11.307.292
10.544.852
9.357
8.842
73.696
48.502
48.856
35.252
608.806
415.375
172.563.497
124.405.407
3.270.084
2.203.496
Bo him b tr
4.998.804
4.619.054
123.843.489
80.636.065
924.175
641.200
Tng cng (**)
4.476.123
4.237.771
346.278.681
275.453.612
15.997.553
13.772.072
Bo him t k
Bo him hn hp
Bo him tr tin nh k
(**) S lng hp ng bo him, s tin bo him khng bao gm bo him b tr
10
Biu 10. Th phn ph bo him cc hp ng bo him c hiu lc ca nm 2011
Nm 2011, th phn tng doanh thu ph bo him ca cc hp ng bo him c hiu lc

theo th t sau: Prudential (37,56%), Bo Vit Nhn th (28,05%), Manulife (11,11%), AIA
(7,55%), Dai-ichi (7,29%), ACE (5,70%), cc doanh nghip cn li chim 2,74% th phn. V c
bn, th phn doanh thu ph ca cc hp ng bo him cn hiu lc ca cc doanh nghip bo
him nhn th nm 2011 khng xo trn so vi cc nm trc. Generali v Vietinbank - Aviva
do mi c cp Giy php thnh lp v hot ng trong nm 2011 nn doanh thu ph khng
ng k.
Biu 11. Tnh hnh cc hp ng bo him c hiu lc trong nm 2011 theo nghip v
11A. Ph bo him ca cc hp ng bo him cn hiu lc theo nghip v nm 2011
11

11B. S tin bo him ca cc hp ng bo him cn hiu lc theo nghip v nm 2011
Ch thch: Do s lng hp ng bo him sinh k cn hiu lc thp, ch t 2.096 hp ng vi s tin

bo him chim 0,03%, s ph bo him chim 0,07% nn khng th hin trn biu 11A v biu 11B. S
tin bo him ca cc hp ng cn hiu lc ti biu 11B khng bao gm cc hp ng bo him b tr
4.4. Tnh hnh tr tin bo him

Tng s tin bo him cc doanh nghip chi tr trong nm 2011 cho cc sn phm bo
him l 5.102 t ng, tng 30,22%; tr gi tr hon li l 2.133,68 t ng, tng 12,42% so vi
nm 2010. S tin chi tr bo him tp trung ch yu vo cc sn phm hn hp v bo him
lin kt u t.
Bng 8. Tnh hnh tr tin bo him 2010-2011
Nghip v
Tr tin bo him gc
2011
2010
n v : Triu ng
Tr gi tr hon li
2011
2010
Bo him trn i
35.391
20.023
27.822
29.476
Bo him sinh k
3.324
4.367
2.720
1.796
37.622
43.310
904
117
4.574.726
3.790.535
1.972.370
1.769.523
Bo him t k
Bo him hn hp
Bo him tr tin nh k
2.136
1.752
31.260
42.311
211.694
58.050
45.580
54.701
Bo him b tr
237.037
72.490
53.024
5.101.931
3.990.527
2.133.680
1.897.924
Tng s
4.5. D phng nghip v bo him nhn th

Cng vi s tng trng v doanh thu ph bo him v pht trin hot ng kinh doanh ca
cc doanh nghip, tng d phng nghip v bo him cng c tng ln tng ng vi phn
trch nhim bo him nhm m bo kh nng thanh ton ca doanh nghip bo him. Nm
2011, tng d phng nghip v ca cc doanh nghip bo him nhn th t 50.108 t ng,
tng 9,17% so vi nm 2010. D phng trch lp trong nm 2011 thp hn nm 2010 l 14,13%
12

(mt s cng ty c s trch lp d phng ton hc gim so vi nm 2011 do mt s nguyn nhn
nh: s lng hp ng o hn tng, thay i li sut k thut trong gii hn quy nh, tc
khai thc mi gim...).
Bng 9. D phng nghip v nm 2010-2011
D phng nghip v
D phng nghip v
trch trong nm
2011
D phng ton hc
D phng ph
cha c hng
D phng chia li
D phng bi thng
D phng m bo
cn i
Tng s
Tng
trng
2010
n v: Triu ng
Tng d phng
Tng
nghip v
trng
2011
2010
3.282.085
4.240.260
-22,60%
42.666.290
39.392.095
8,31%
153.684
73.323
109,60%
1.259.781
1.097.437
14,79%
717.245
562.114
27,60%
5.945.769
5.229.623
13,69%
37.560
7.931
373,61%
117.084
80.293
45,82%
20.358
20.023
1,67%
119.238
98.685
20,83%
4.210.932
4.903.651
-14,13%
50.108.162
45.898.133
9,17%
5. HOT NG TI BO HIM
Nm 2011, tng ph bo him gi li ca cc doanh nghip bo him tng 17,91% so vi
nm 2010, t 25.537 t ng nm 2010 ln 30.111 t ng nm 2011. Trong , hot ng ti
bo him ra th trng nc ngoi c thc hin ch yu i vi hot ng bo him phi nhn
th vi t trng l 98,9% tng s ph nhng ti. i vi cc nghip v bo him c ri ro ln
nh bo him ti sn v thit hi; bo him hng khng; bo him thn tu v TNDS ch tu;
bo him chy, n, cc doanh nghip thc hin ti bo him vi t trng ln phn tn ri ro.
i vi cc nghip v bo him xe c gii, bo him sc kho, cc doanh nghip bo him hu
nh khng nhng ti bo him.
Bng 10. Hot ng ti bo him nm 2007- 2011
Ch tiu
Tng ph bo him gc
Phi nhn th
Nhn th
Nhng ti bo him rng ra
nc ngoi
Phi nhn th
Nhn th
Tng ph bo him gi li
Phi nhn th
Nhn th
n v: T ng
2010
2011
2007
2008
2009
17.342
8.211
9.131
21.257
10.950
10.307
25.593
13.754
11.839
30.842
17.070
13.772
36.574
20.576
15.998
1.995
3.721
2.454
4.529
5.537
1.922
73
15.347
6.289
9.058
3.616
105
17.536
7.334
10.202
2.365
89
21.115
9.366
11.749
4.483
46
25.537
12.007
13.530
5.471
66
30.111
14.179
15.932
6. HOT NG U T CA CC DOANH NGHIP BO HIM

Cc doanh nghip bo him to lp ngun vn ln v di hn cho u t pht trin
kinh t - x hi. Nm 2011, tng s tin cc doanh nghip bo him tch lu u t tr li nn
kinh t l 83.079 t ng, tng 5,07% so vi 2010. Hot ng u t vn ca cc doanh nghip
m bo an ton, hiu qu v thanh khon. Danh mc u t a dng gm gp vn thnh lp
doanh nghip khc, cho vay, tri phiu Chnh ph, c phiu, tin gi ti cc t chc tn dng
Nm 2011, t trng danh mc u t nh sau: tri phiu Chnh ph chim 42,57%, tin gi ti
13

cc t chc tn dng chim 29,83%, u thc u t chim 10,36%, c phiu, tri phiu doanh
nghip khng c bo lnh chim 7,11%.
Bng 11. C cu danh mc u t ca cc doanh nghip bo him nm 2011
n v: triu ng
Nhn th
Gi tin ti cc t chc tn dng
Phi nhn th
Tng cng
C cu (%)
9.216.556
15.566.819
24.783.375
29,83%
34.903.646
459.985
35.363.631
42,57%
181.272
181.272
0,22%
3.130.978
2.772.440
5.903.418
7,11%
125.574
1.895.447
2.021.021
2,43%
8.755
8.755
0,01%
Cho vay
4.489.432
205.183
4.694.615
5,65%
U thc u t
6.648.775
1.961.984
8.610.759
10,36%
Khc
1.437.863
75.230
1.513.093
1,82%
60.134.096
22.945.843
83.079.939
100%
Tri phiu Chnh ph

Tri phiu doanh nghip c bo lnh
C phiu, tri phiu doanh nghip
khng c bo lnh
Gp vn vo cc doanh nghip khc
Kinh doanh bt ng sn
Tng cng
Biu 12. Tnh hnh u t ca cc doanh nghip bo him nm 2011

n v: Triu ng
14

Biu 13. C cu u t ca cc doanh nghip bo him nm 2011
13A. C cu danh mc u t ca doanh nghip bo him nhn th
13B. C cu danh mc u t ca doanh nghip bo him phi nhn th
15
7.TRUNG GIAN BO HIM

7.1. Hot ng mi gii bo him
Nm 2011, tng ph bo him thu xp qua mi gii t 4.518 t ng, tng 75,83% so vi
nm 2010, chim 21,96% tng s ph bo him phi nhn th ca ton th trng.
Biu 14. Ph bo him thu xp qua mi gii nm 2011
n v: triu ng
Hot ng mi gii bo him vn tp trung ch yu cc nghip v: bo him ti sn v

bo him thit hi (61,80%) v nghip v bo him sc khe (18,43%). Nm 2011, ph bo him
thu xp qua mi gii ca nghip v bo him ti sn v bo him thit hi tng mnh nht, t
114,90%, t 1.299 t ng nm 2010 ln 2.792 t ng nm 2011. Hai nghip v bo him c
tc ph thu xp qua mi gii gim l bo him hng khng v bo him nng nghip, cn li
tt c cc nghip v cn li u tng so vi nm 2010. Cc nghip v c tc tng trng cao
bao gm: Bo him tn dng v ri ro ti chnh tng 75,27%, bo him sc khe tng 71,65%,
bo him trch nhim chung tng 35,77%.
Nm 2011, doanh thu hoa hng t hot ng mi gii t 343,5 t ng, tng 23,76% so vi
nm 2010. Hoa hng mi gii bo him vn tp trung ch yu cc nghip v: Bo him ti sn
v bo him thit hi (42,26%), bo him sc khe (30,65%), bo him trch nhim chung
(8,38%).
Mc d a s cc cng ty mi gii bo him u ng k kinh doanh c mi gii bo him
gc v mi gii ti bo him, tuy nhin dch v mi gii ti bo him vn ch tp trung cc cng
ty mi gii bo him 100% vn u t nc ngoi (Marsh Vit Nam, AON Vit Nam). Tng ph
ti bo him ra nc ngoi thu xp qua mi gii nm 2011 t khong 1.979 t ng, doanh thu
t hot ng ny t gn 53 t ng. Dch v mi gii ti bo him tp trung ch yu nghip
v bo him ti sn v thit hi, nghip v bo him hng khng v nghip v bo him sc
kho.
16

Biu 15. Hoa hng mi gii theo nghip v nm 2011
n v: Triu ng
Biu 16. T trng hoa hng mi gii theo nghip v nm 2011
Ch thch: Hoa hng mi gii bo him nng nghip l -56 triu ng do bo co iu chnh gim ca
nm 2010. Nm 2011, khng c hoa hng mi gii ca bo him nng nghip.
17

7.2. i l bo him
Tng i l bo him nm 2011 t khong 283.593 i l, tng 23,7% so vi nm 2010.
Trong , i l bo him nhn th l 217.917 ngi, tng 28,8% so vi nm 2010. i l bo
him phi nhn th l 65.676 ngi, tng 9,3% so vi nm 2010.
Bng 12. S lng i l ang hot ng tnh n 31/12/2011
107.628
281
110.289
217.917
76,84%
Tng
trng
so vi
nm
2010
28,8%
35.037
1.220
30.639
65.676
23,16%
9,3%
142.665
1.501
140.928
283.593
100%
23,7%
i l T chc
Doanh
nghip
bo him
Nhn th
Phi nhn th
Tng
i l
C nhn
S lng t
chc
C nhn thuc
t chc
Tng i l c
nhn (bao gm
c nhn trc
thuc t chc)
Biu 17. S lng i l bo him nm 2010 - 2011
18
T l
PH LC 1. DANH SCH CC CNG TY BO HIM, MI GII BO HIM NM 2011

TT
Tn Cng ty
Nm thnh lp
Vn iu l gp
(t ng)
CNG TY BO HIM PHI NHN TH: 29

1
Tng cng ty bo him Bo Vit (Bo him Bo Vit)
1964
1,500
Tng cng ty c phn Bo Minh (Bo Minh)
1994
755
Cng ty c phn bo him Petrolimex (Pjico)
1995
709
Cng ty c phn bo him Nh Rng (Bo Long)
1995
336.345
Tng cng ty bo him PVI (PVI)
1996
1,500
Cng ty lin doanh bo him Bo Vit - Tokio Marine (Bo Vit - Tokio Marine)
1996
300
Cng ty bo him Lin hip (UIC)
1997
300
Tng cng ty c phn bo him Bu in (PTI)
1998
450
Cng ty TNHH bo him tng hp Groupama Vit Nam (Groupama)
2001
388.906
10
Cng ty TNHH 1 thnh vin bo him Ngn hng cng thng Vit Nam (Bo Ngn)
2002
500
11
Cng ty TNHH bo him Samsung Vina (Samsung Vina)
2002
300
12
Cng ty c phn bo him Vin ng (VASS)
2003
400
13
Tng Cng ty c phn Bo him Ngn hng u t v Pht trin Vit Nam (BIC)
2005
660
14
Cng ty c phn bo him AAA (AAA)
2005
675
15
Cng ty TNHH bo him phi nhn th Chartis (Vit Nam)
2005
375
16
Cng ty TNHH bo him QBE (Vit Nam) (QBE)
2005
300.322
17
Cng ty c phn bo him Ngn hng Nng nghip Vit Nam (ABIC)
2006
380
18
Cng ty c phn bo him Ton Cu (GIC)
2006
400
19
Cng ty c phn bo him Ph Hng
2006
300
20
Cng ty TNHH bo him Liberty (Liberty)
2006
994.872
21
Cng ty TNHH bo him ACE (ACE)
2006
337.455
22
Tng cng ty c phn bo him Qun i (MIC)
2007
400
23
Cng ty c phn bo him Hng Khng (VNI)
2008
500
24
Cng ty c phn bo him SHB - Vinacomin (SVIC)
2008
300
25
Cng ty c phn bo him Hng Vng (BHV)
2008
300
26
Cng ty TNHH bo him phi nhn th MSIG Vit Nam (MSIG)
2008
300
27
Cng ty TNHH bo him Fubon (Vit Nam) (Fubon)
2008
300
28
Tng cng ty c phn bo him Xun Thnh (Xun Thnh) (*)
2009
300
29
Cng ty TNHH bo him phi nhn th Cathay (Vit Nam) (Cathay)
2010
305.976
CNG TY BO HIM NHN TH: 14

30
Tng cng ty Bo Vit Nhn th (Bo Vit Nhn th)
2004
1,500
31
Cng ty TNHH bo him nhn th Prudential Vit Nam (Prudential)
1999
1,136
32
Cng ty TNHH Manulife (Vit Nam) (Manulife)
1999
800
33
Cng ty TNHH bo him nhn th AIA (Vit Nam) (AIA)
2000
970
34
Cng ty TNHH bo him nhn th Ace (Ace Life)
2005
606
35
Cng ty TNHH bo him nhn th Prvoir Vit Nam (Prvoir)
2005
600
36
Cng ty TNHH bo him nhn th Dai-ichi Vit Nam (Dai-ichi)
2007
1,141
37
Cng ty TNHH bo him nhn th Cathay Vit Nam (Cathay Life)
2007
966
38
Cng ty TNHH bo him nhn th Great Eastern Vit Nam (Great Eastern)
2007
830
39
Cng ty TNHH bo him nhn th Hn Quc (Vit Nam) (KLI)
2008
960
PH LC 1. DANH SCH CC CNG TY BO HIM, MI GII BO HIM NM 2011

TT
Tn Cng ty
Nm thnh lp
Vn iu l gp
(t ng)
40
Cng ty TNHH bo him nhn th Vietcombank - Cardif (VCLI)
2008
600
41
Cng ty TNHH bo him nhn th Fubon (Vit Nam) (Fubon Life)
2010
600
42
Cng ty TNHH bo him nhn th Generali (Vit Nam) (Generali)
2011
600
43
Cng ty TNHH bo him nhn th Vietinbank - Aviva (Vietinbank - Aviva)
2011
800
CNG TY TI BO HIM: 2
44
Tng cng ty c phn ti bo him quc gia Vit Nam (VINARE)
1994
1,008
45
Cng ty ti bo him PVI (PVI Re)
2011
460
CNG TY MI GII BO HIM: 12

46
Cng ty TNHH Aon Vit Nam
1993
47
Cng ty c phn mi gii bo him Vit Quc
2001
8.05
48
Cng ty c phn mi gii bo him ng
2003
49
Cng ty c phn mi gii bo him i Vit
2003
50
Cng ty TNHH mi gii bo him Gras Savoye Willis Vit Nam
2003
51
Cng ty TNHH mi gii bo him Marsh Vit Nam
2004
8.746
52
Cng ty c phn mi gii bo him Thi Bnh Dng
2005
24.75
53
Cng ty c phn mi gii bo him Cimeco
2006
30
54
Cng ty c phn mi gii bo him Sao Vit
2008
55
Cng ty TNHH mi gii bo him Jardine Loyld Thompson Vit Nam
2008
30.675
56
Cng ty c phn mi gii bo him Nam
2010
57
Cng ty TNHH mi gii bo him Toyota-Tsusho
2011
4.81
(*) Trc y l cng ty c phn bo him Thi Sn
PH LC 2. DANH SCH VN PHNG I DIN CA CNG TY BO HIM

V CNG TY MI GII BO HIM NC NGOI
STT
I
1
3
4
2
5
6
7
8
9
10
11
12
13
14
15
16
17
18
II
19
20
21
22
23
24
25
26
27
28
III
29
30
31
32
(*)
(**)
Tn vn phng i din
VPD Phi nhn th: 18
Cng ty TNHH bo him Aioi Nissay Dowa (*)
Cng ty TNHH bo him Mitsui Sumitomo
Cng ty TNHH bo him Mitsui Sumitomo
Cng ty TNHH bo him LIG
Cng ty TNHH bo him hng hi v ho hon Hyundai
Cng ty TNHH bo him Chung Kuo
Cng ty TNHH bo him LIG
Cng ty bo him thng mi Hn Quc (**)
Cng ty TNHH bo him Nipponkoa
Cng ty TNHH bo him Nipponkoa
Cng ty TNHH bo him Pacific Cross
Cng ty Allianz SE
Cng ty TNHH bo him Chevalier
Cng ty bo him bo lnh Seoul
Cng ty bo him Sompo Japan
Cng ty bo him Sompo Japan
Cng ty TNHH bo him Dongbu
Cng ty Insurance Australia Group
VPD Nhn th: 10
Cng ty Prudential PLC (UK)
Cng ty TNHH bo him nhn th Nan Shan
Cng ty TNHH bo him nhn th HSBC (international)
Cng ty TNHH bo him nhn th Shin Kong
Cng ty bo him nhn th i Loan
Cng ty AXA SA
Cng ty TNHH bo him nhn th Cathay
Cng ty TNHH bo him nhn th Samsung
Cng ty Assicurazioni Generali S.p.A
Cng ty bo him nhn th Sumitomo
VPD Mi gii bo him: 4
Cng ty c phn mi gii bo him dng ng Malakut
Cng ty TNHH Lockton
Cng ty Alexander Leed Risk Services
Cng ty TNHH mi gii bo him Lockton Wattana (Thi Lan)
Trc y l VPD cng ty Nissay Dowa
Trc y l VPD cng ty bo him xut khu Hn Quc
Quc tch
Nm thnh lp
a im
Nht Bn
Nht Bn
Nht Bn
Hn Quc
Hn Quc
i Loan
Hn Quc
Hn Quc
Nht Bn
Nht Bn
Samoa
c
Hng Kng
Hn Quc
Nht Bn
Nht Bn
Hn Quc
xtrylia
1993
1993
1994
1995
1996
1997
2001
2004
2005
2006
2005
2006
2006
2007
2007
2007
2011
2011
H Ni
TP.H Ch Minh
H Ni
H Ni
TP.H Ch Minh
TP.H Ch Minh
TP.H Ch Minh
TP.H Ch Minh
H Ni
TP.H Ch Minh
TP.H Ch Minh
H Ni
TP.H Ch Minh
H Ni
H Ni
TP.H Ch Minh
TP.H Ch Minh
H Ni
Anh
i Loan
Hng Kng
i Loan
i Loan
Php
i Loan
Hn Quc
Italia
Nht Bn
1994
2005
2006
2006
2006
2007
2007
2008
2010
2011
H Ni
H Ni
H Ni
H Ni
H Ni
H Ni
H Ni
H Ni
TP.H Ch Minh
H Ni
Nga
Singapore
i Loan
Thi Lan
2006
2007
2008
2011
H Ni
TP.H Ch Minh
TP.H Ch Minh
H Ni
PH LC 3. TNG DOANH THU PH BO HIM - TH PHN PH BO HIM GC

TNG S TIN BI THNG V TR TIN BO HIM NM 2010-2011
n v: Triu ng
Doanh thu ph bo him
Nm 2011
CNG TY BO HIM PHI NHN
1
Bo Vit
2
Bo Minh
3
Pjico
4
Bo Long
5
PVI
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
Bo Vit - Tokio Marine
UIC
PTI
Groupama
Bo Ngn
Samsung Vina
VASS
BIC
AAA
Chartis
QBE
ABIC
GIC
Ph Hng
Liberty
ACE
MIC
VNI
SVIC
Hng Vng
MSIG
Fubon
Xun Thnh
Cathay
TNG
CNG TY BO HIM NHN TH
30
Bo Vit Nhn th
31
Prudential
32
Manulife
33
AIA
34
Ace Life
35
Prvoir
36
Dai-ichi
37
Cathay Life
38
Great Eastern
39
KLI
40
VCLI
41
Fubon Life
42
Generali
43
Vietinbank - Aviva
TNG
TNG TH TRNG
Nm 2010
Th phn doanh thu ph

Nm 2011
4,877,260
2,132,494
1,887,781
301,934
4,241,086
4,199,269
1,988,215
1,592,062
382,116
3,512,186
23.70%
10.36%
9.17%
1.47%
20.61%
248,311
138,973
1,084,284
56,290
151,412
448,442
292,257
623,821
463,251
256,251
82,525
407,403
472,423
5,543
402,052
48,351
430,939
592,771
312,303
54,743
246,897
103,101
192,251
20,982
20,576,133
199,761
124,609
684,469
23,977
132,599
205,934
286,471
505,449
381,356
205,394
54,739
383,986
376,692
14,209
237,555
42,426
414,621
482,868
275,067
35,860
173,010
71,416
83,403
17,069,719
4,487,929
6,009,254
1,778,085
1,207,258
911,070
38,383
1,165,730
176,404
66,550
125,678
28,458
2,122
490
144
15,997,554
36,573,687
4,015,382
5,373,913
1,444,622
971,187
735,914
42,996
994,758
96,169
11,810
83,183
2,138
13,772,072
30,841,791
Nm 2010
24.60%
11.65%
9.33%
2.24%
Bi thng
Nm 2011
Nm 2010
20.58%
2,472,487
1,598,564
805,514
147,489
934,811
1,751,633
827,035
667,651
258,289
1,150,556
1.21%
0.68%
5.27%
0.27%
0.74%
2.18%
1.42%
3.03%
2.25%
1.25%
0.40%
1.98%
2.30%
0.03%
1.95%
0.23%
2.09%
2.88%
1.52%
0.27%
1.20%
0.50%
0.93%
0.10%
100%
1.17%
0.73%
4.01%
0.14%
0.78%
1.21%
1.68%
2.96%
2.23%
1.20%
0.32%
2.25%
2.21%
0.08%
1.39%
0.25%
2.43%
2.83%
1.61%
0.21%
1.01%
0.42%
0.49%
100%
121,634
60,189
509,763
6,311
87,372
105,937
91,911
353,406
211,915
70,126
12,694
150,775
132,249
2,181
224,461
6,674
158,384
236,410
106,572
15,513
53,276
19,216
39,678
740
8,736,251
57,619
11,784
220,144
5,545
44,540
177,829
102,229
200,626
168,545
36,536
7,629
148,220
95,627
5,847
152,107
9,461
127,646
76,105
62,796
7,375
25,252
7,072
5,412
6,411,110
28.05%
37.56%
11.11%
7.55%
5.70%
0.24%
7.29%
1.10%
0.42%
0.79%
0.18%
0.01%
0.003%
0.001%
100%
29.16%
39.02%
10.49%
7.05%
5.34%
0.31%
7.22%
0.70%
0.09%
0.60%
0.02%
100%
3,302,832
2,340,099
672,292
379,504
49,579
28,052
447,205
13,775
578.26
897
688
26
83
7,235,610
15,971,861
2,879,287
1,844,963
544,492
260,015
36,167
17,048
301,499
4,487
161
332
5,888,451
12,299,562
PH LC 4. CC CH TIU TI CHNH CA DOANH NGHIP NM 2010 - 2011
Doanh thu
CNG TY BO HIM PHI NHN TH
1 Bo him Bo Vit
4,877,260
2 Bo Minh
2,132,494
3 Pjico
1,887,781
4 Bo Long
301,934
5 PVI
4,241,086
6 Bo Vit - Tokio Marine
248,311
7 UIC
138,973
8 PTI
1,084,284
9 Groupama
56,290
10 Bo Ngn
151,412
11 Samsung Vina
448,442
12 VASS
292,257
13 BIC
623,821
14 AAA
463,251
15 Chartis
256,251
16 QBE
82,525
17 ABIC
407,403
18 GIC
472,423
19 Ph Hng
5,543
20 Liberty
402,052
48,351
21 ACE
22 MIC
430,939
23 VNI
592,771
24 SHB - Vinacomin
312,303
25 Hng Vng
54,743
26 MSIG
246,897
27 Fubon
103,101
28 Xun Thnh
192,251
29 Cathay
20,982
TNG
20,576,133
30 Bo Vit Nhn th
4,487,929
31 Prudential
6,009,254
32 Manulife
1,778,085
33 AIA
1,207,258
34 Ace Life
911,070
35 Prvoir
38,383
36 Dai-ichi
1,165,730
37 Cathay Life
176,404
38 Great Eastern
66,550
39 KLI
125,678
40 VCLI
28,458
41 Fubon Life
2,122
42 Generali
490
43 Vietinbank - Aviva
144
TNG
TON TH TRNG
Nm 2011
VCSH
Tng ti sn
1,545,801
2,171,407
844,081
325,448
1,547,858
438,504
473,587
663,875
341,675
550,583
503,108
236,105
749,898
450,587
303,451
356,436
437,085
670,461
298,163
375,537
314,433
446,704
514,566
332,983
317,502
353,044
313,463
300,179
302,234
16,478,757
6,254,654
3,863,364
1,993,148
729,465
3,979,284
601,841
644,742
1,613,806
391,240
699,693
885,734
984,033
1,870,011
930,326
461,364
489,325
1,564,310
1,484,160
328,138
748,128
384,036
876,951
965,872
565,887
388,025
496,215
606,398
424,382
321,697
35,546,228
1,573,574
3,388,527
1,242,237
966,073
899,975
629,548
1,146,967
904,736
743,032
863,669
630,097
801,661
626,316
828,601
19,802,175
28,511,637
7,110,489
4,072,596
1,664,619
629,548
3,473,164
1,095,870
809,561
1,320,867
652,927
822,391
637,687
851,550
Doanh thu
4,199,269
1,988,215
1,592,062
382,116
3,512,186
199,761
124,609
684,469
23,977
132,599
205,934
286,471
505,449
381,356
205,394
54,739
383,986
376,692
14,209
237,555
42,426
414,621
482,868
275,067
35,860
173,010
71,416
83,403
17,069,719
4,015,382
5,373,913
1,444,622
971,187
735,914
42,996
994,758
96,169
11,810
83,183
2,138
-
n v: Triu ng
Nm 2010
VCSH
Tng ti sn
1,557,450
2,197,898
811,067
293,138
3,607,388
413,227
425,945
666,739
333,669
329,313
373,070
329,185
680,274
542,416
302,021
320,511
416,234
368,605
297,621
241,000
267,018
304,876
536,017
313,301
315,278
311,440
310,688
300,094
17,165,483
5,726,288
3,640,600
1,700,122
655,657
6,453,102
665,167
630,890
1,471,754
356,086
538,033
637,795
824,806
2,501,041
941,900
430,012
431,434
792,775
698,407
341,226
485,485
328,414
1,070,622
950,245
514,356
355,207
405,518
413,050
390,160
34,350,155
1,581,013
3,308,829
1,117,079
920,427
778,151
623,631
1,057,358
971,736
763,460
919,367
624,915
-
20,593,914
25,457,005
6,415,050
3,635,968
1,304,041
756,438
3,238,380
1,077,308
782,385
1,081,234
638,004
-
15,997,554
15,245,013
71,455,080
13,772,072
12,665,964
64,979,730
36,573,687
31,723,770
107,001,308
30,841,791
29,831,447
99,329,884
CNG TY TI BO HIM
44 Vinare
45 PVI Re
TNG
1,433,956
79,057
1,513,013
2,150,020
460,411
2,610,431
3,898,938
544,280
4,443,218
1,255,620
1,255,620
2,080,551
2,080,551
3,552,517
3,552,517
PH LC 5. TNG D PHNG NGHIP V NM 2010-2011
n v: Triu ng
Tng d phng nghip v 2011
DP ton hc,
DP ph
1 Bo him Bo Vit
2 Bo Minh
3 Pjico
4 Bo Long
5 PVI
6 Bo Vit-Tokio Marine
7 UIC
8 PTI
9 Groupama
10 Bo Ngn
11 Samsung Vina
12 VASS
13 BIC
14 AAA
15 Chartis
16 QBE
17 ABIC
18 GIC
19 Ph Hng
20 Liberty
21 ACE
22 MIC
23 VNI
24 SHB - Vinacomin
25 Hng Vng
26 MSIG
27 Fubon
28 Xun Thnh
29 Cathay
6,401,187
1,824,811
674,364
706,157
139,285
860,236
32,345
11,794
448,354
12,946
44,504
20,366
130,335
190,129
204,167
61,385
158,822
101,414
3,628
210,362
15,736
175,230
105,216
115,017
19,527
30,860
19,670
79,303
5,224
DP bi
thng
4,577,387
1,389,414
126,305
149,519
133,015
432,275
41,189
62,318
137,065
267
25,588
42,178
11,859
67,333
111,300
50,702
35,545
776,985
388,345
13,764
79,016
9,968
93,512
108,174
59,702
14,221
9,427
199,189
8,411
802
DP dao ng
ln/m bo
cn i
1,099,786
253,629
168,538
117,601
19,677
73,361
20,286
33,906
91,390
955
7,254
21,961
40,855
40,640
12,624
17,051
9,789
30,207
22,629
1,867
24,181
3,312
28,336
22,533
17,776
2,277
6,871
2,807
7,171
301
D phng
chia li
12,660
12,660
-
Tng cng
DP ton hc,
DP ph
12,091,020
3,467,855
969,208
973,277
291,978
1,365,872
93,820
108,019
676,810
14,167
77,346
84,505
183,049
298,102
328,092
80,412
106,719
966,014
512,387
19,259
313,559
29,016
297,078
235,923
192,494
36,025
47,158
221,665
94,886
6,326
5,579,785
1,596,360
642,325
577,973
164,508
856,099
27,833
11,682
278,318
48,502
118,642
159,301
172,613
36,653
48,952
149,728
74,841
5,643
128,867
8,289
174,254
107,289
105,598
9,259
23,929
14,218
38,109
-
DP bi
thng
2,776,059
1,199,783
168,180
133,504
109,345
263,106
42,873
88,150
122,705
5,606
25,010
26,659
9,858
64,586
45,432
15,367
32,959
77,916
64,774
16,054
51,227
6,721
44,455
92,073
40,208
5,517
11,241
9,006
3,742
-
DP dao ng
ln/m bo
cn i
1,054,209
307,012
168,181
73,270
10,541
68,032
16,201
32,829
143,494
466
4,441
24,508
32,497
28,533
12,859
8,981
7,253
20,579
14,787
1,606
12,770
1,915
28,725
15,969
10,301
1,038
3,625
1,474
2,320
-
D phng
chia li
15,801
341
15,460
-
Tng cng
9,425,854
3,103,155
978,687
784,747
284,393
1,187,237
86,907
132,661
544,518
6,413
77,953
66,627
160,997
252,420
230,904
61,002
89,164
248,223
154,402
23,303
192,864
16,926
247,434
215,331
156,107
15,814
38,795
24,698
44,171
-
PH LC 5. TNG D PHNG NGHIP V NM 2010-2011
n v: Triu ng
DP ton hc,
DP ph
30 Bo Vit Nhn th
31 Prudential
32 Manulife
33 AIA
34 Ace Life
35 Prvoir
36 Dai-ichi
37 Cathay Life
38 Great Eastern
39 KLI
40 VCLI
41 Fubon Life
42 Generali
43 Vietinbank - Aviva
TNG TH TRNG
43,926,021
15,111,846
18,199,137
4,853,495
2,735,506
586,994
126,385
2,044,051
168,704
18,655
78,168
2,612
468
50,327,208
DP bi
thng
117,084
19,649
26,174
39,218
9,653
6,296
599
4,308
568
68
1
10,550
4,694,471
DP dao ng
ln/m bo
cn i
119,231
28,688
75,145
5,675
3,592
2,768
100
2,303
383
470
106
1,219,017
D phng
chia li
5,945,769
1,046,812
4,774,771
2,851
26,746
2,699
85,933
5,957
5,958,428
Tng cng
50,108,105
16,206,995
23,075,226
4,901,239
2,775,497
598,757
127,085
2,136,595
169,655
24,680
78,169
13,633
574
62,199,124
DP ton hc,
DP ph
DP bi
thng
DP dao ng
ln/m bo
cn i
98,557
D phng
chia li
40,489,532
80,293
14,799,518
16,287,536
5,806
18,158
22,733
65,995
5,229,751
906,960
4,228,464
4,473,266
2,427,972
353,596
118,081
1,893,683
83,675
6,592
44,841
772
46,069,317
32,485
8,353
9,892
1,739
1,929
379
75
634
843
2,856,352
4,189
2,974
1,133
40
1,110
383
1,152,766
1,287
20,399
1,098
70,386
1,028
128
5,245,551
Tng cng
45,898,133
15,735,017
20,600,153
4,511,227
2,459,698
364,621
120,958
1,967,108
84,437
7,695
45,475
1,744
55,323,987
PH LC 6. C CU U T NM 2011
n v: triu ng
Tin gi ti
cc t chc
tn dng

1
Bo him Bo Vit
2
Bo Minh
3
Pjico
4
Bo Long
5
PVI
6
Bo Vit - Tokio Marine
7
UIC
8
PTI
9
Groupama
10
Bo Ngn
11
Samsung Vina
12
VASS
13
BIC
14
AAA
15
Chartis
16
QBE
17
ABIC
18
GIC
19
Ph Hng
20
Liberty
21
ACE
22
MIC
23
VNI
24
SHB - Vinacomin
25
Hng Vng
26
MSIG
27
Fubon
28
Xun Thnh
29
Cathay
15,466,820
1,571,202
1,326,264
1,108,855
207,054
2,412,005
342,188
532,834
561,786
355,067
296,902
357,738
12,770
1,296,129
15,567
352,978
403,554
565,489
440,475
175,985
673,411
345,576
44,094
485,010
223,587
225,200
428,255
363,542
101,891
241,409
Tri phiu
chnh ph
459,984
60,026
310,000
49,958
40,000
-
Gp vn vo Kinh doanh
Tri phiu
C phiu,
doanh
tri phiu doanh cc doanh
bt ng
nghip c nghip khng c nghip khc
sn
bo lnh
bo lnh
-
3,060,373
60,000
540,645
207,007
57,299
437,470
7,203
151,673
4,802
231,079
4,802
111,728
243,889
315,370
65,137
53,980
76,043
175,678
104,851
178,228
26,970
6,518
-
1,680,076
310,445
362,839
27,295
216,000
10,000
17,439
131,958
105,000
21,606
1,721
26,665
133,023
1,990
30,000
74,046
210,050
-
8,755
3,844
4,911
-
Cho vay
199,427
57,740
1,297
75,884
3,079
4,469
54,663
2,295
-
y thc u
t
1,961,984
1,774,584
160,000
27,400
-
Khc
108,424
48,000
48,419
12,005
-
Tng s tin
u t
22,945,843
3,716,232
2,289,774
1,404,741
481,650
3,169,475
519,627
540,037
996,701
359,869
577,940
362,540
232,577
1,561,624
381,077
352,978
403,554
635,095
561,123
283,604
673,411
345,576
355,090
631,851
431,815
326,216
428,255
363,542
318,459
241,409
PH LC 6. C CU U T NM 2011
n v: triu ng
Tin gi ti
cc t chc
tn dng

30
Bo Vit Nhn th
31
Prudential
32
Manulife
33
AIA
34
Ace Life
35
Prvoir
36
Dai-ichi
37
Cathay Life
38
Great Eastern
39
KLI
40
VCLI
41
Fubon Life
42
Generali
43
Vietinbank - Aviva
TNG TH TRNG
9,216,556
96,500
1,881,295
879,436
230,060
306,645
411,825
930,167
354,320
540,802
820,222
588,135
735,529
619,270
822,350
24,683,376
Tri phiu
chnh ph
34,903,646
10,068,605
14,386,246
4,706,704
2,836,227
829,478
172,966
1,078,163
620,891
204,366
35,363,630
Gp vn vo Kinh doanh
Tri phiu
C phiu,
doanh
tri phiu doanh cc doanh
bt ng
nghip c nghip khng c nghip khc
sn
bo lnh
bo lnh
181,272
181,272
181,272
3,130,978
1,596,839
262,264
125,000
330,733
113,366
688,969
13,807
6,191,350
125,574
60,000
31,074
34,500
1,805,650
8,755
Cho vay
4,489,432
780,963
2,875,668
460,751
204,909
5,253
161,584
304
4,688,859
y thc u
t
6,648,775
6,498,775
150,000
8,610,759
Khc
1,437,863
(116,255)
1,719,323
(111,565)
(8,020)
(9,695)
(31,534)
(4,391)
1,546,287
Tng s tin
u t
60,134,096
17,388,588
22,490,445
6,232,090
3,538,176
1,472,109
688,462
2,827,349
975,211
745,472
1,010,910
588,135
735,529
619,270
822,350
83,079,939

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B TI CHNH

Th trng bo him Vit Nam nm 2011

V S PHT TRIN N NH V BN VNG CA TH TRNG BO HIM

m 2011 l nm u tin Vit Nam thc hin K hoch pht

Nm 2011, khung php l v kinh doanh bo him tip tc

Th trng bo him Vit Nam nm 2011

CC CH TIU PHT TRIN CH YU

- Tng s DNBH, MGBH

- Doanh nghip phi nhn th

- Doanh nghip nhn th

- Doanh nghip ti bo him

- Doanh nghip mi gii bo

- Doanh thu ph bo him

- Doanh thu u t (t ng)

- Ph bo him bnh qun

- Tng d phng nghip v

Th trng bo him Vit Nam nm 2011

Bn cnh , s gp mt ca 32 vn phng i din ca cc t chc bo him nc ngoi

Doanh thu ph bo him

3. HOT NG KINH DOANH BO HIM PHI NHN TH

Th trng bo him Vit Nam nm 2011

Th trng bo him Vit Nam nm 2011

Trong c cu ph bo him theo nghip v nm 2011, nghip v bo him xe c gii chim

Th trng bo him Vit Nam nm 2011

Nm 2011, t l ph bo him gi li l 68,91%. Trong t l ph bo him gi li ln

Th trng bo him Vit Nam nm 2011

Bi thng thuc trch nhim gi li

3.3. D phng nghip v

Biu 7. Tng d phng nghip v 2007-2011

Th trng bo him Vit Nam nm 2011

Bo him lin kt u t (*)

Th trng bo him Vit Nam nm 2011

9B.S tin bo him ca cc hp ng khai thc mi theo nghip v nm 2011

4.2. Tnh hnh hy b hp ng bo him chnh trong nm 2011

Th trng bo him Vit Nam nm 2011

4.3. Cc hp ng bo him nhn th c hiu lc

Tng cng (**)

Th trng bo him Vit Nam nm 2011

Biu 10. Th phn ph bo him cc hp ng bo him c hiu lc ca nm 2011

Nm 2011, th phn tng doanh thu ph bo him ca cc hp ng bo him c hiu lc

Th trng bo him Vit Nam nm 2011

Ch thch: Do s lng hp ng bo him sinh k cn hiu lc thp, ch t 2.096 hp ng vi s tin

4.4. Tnh hnh tr tin bo him

Bo him lin kt u t (*)

4.5. D phng nghip v bo him nhn th

Th trng bo him Vit Nam nm 2011

6. HOT NG U T CA CC DOANH NGHIP BO HIM

Th trng bo him Vit Nam nm 2011

Tri phiu Chnh ph

Biu 12. Tnh hnh u t ca cc doanh nghip bo him nm 2011

Th trng bo him Vit Nam nm 2011

13B. C cu danh mc u t ca doanh nghip bo him phi nhn th

Th trng bo him Vit Nam nm 2011

7.TRUNG GIAN BO HIM

Hot ng mi gii bo him vn tp trung ch yu cc nghip v: bo him ti sn v

Th trng bo him Vit Nam nm 2011

Biu 16. T trng hoa hng mi gii theo nghip v nm 2011

Th trng bo him Vit Nam nm 2011

Biu 17. S lng i l bo him nm 2010 - 2011

PH LC 1. DANH SCH CC CNG TY BO HIM, MI GII BO HIM NM 2011

CNG TY BO HIM PHI NHN TH: 29

Tng cng ty bo him Bo Vit (Bo him Bo Vit)

Tng cng ty c phn Bo Minh (Bo Minh)

Cng ty c phn bo him Petrolimex (Pjico)