2023年3月10日,

资本优势,品牌声誉,保险消费行为的原因被认为是大多数的保险经纪市场份额在越南是在外国公司手中。财政部最新发布的统计数据显示,到2022年底,超过92%的保险经纪市场份额属于海外投资者。保险的部门管理和监督(IMS)在相同部门指出,保险经纪活动进行了主要在非寿险保险(会计结算费用总额的46%)和去年的医疗保险(占22.38%)。类似于前几年,财产和意外险保险仍在保险经纪公司的主要业务,占总数的48.23%安排保险费。根据IMS,总保险费由经纪人安排在2022年估计为6.64亿美元,比2021年上涨了7%,总保险经纪人佣金估计近5000万美元,比前一年增长了11.14%。在市场份额方面,外商投资企业占了92.3%,沼泽,怡安,和威利斯韬睿惠悦占87%。保险公司代表安Phan告诉梵,“外国客户往往需要一个经纪人参与合同谈判过程中,由于他们的深度在保险方面的专业知识,了解国际和国内的法律。他们应该能够建议并提供全面的解决方案和最优的成本,特别是在困难的操作,比如财产或健康保险。“事实上,根据表象,大多数外资企业谈判中需要使用代理保险政策,虽然个别客户或国内企业经常拒绝使用代理成本的最优化。近年来长期流行创造了企业需要为员工买保险福利政策,为经纪公司创造了机会。有广泛的产品知识,保险经纪公司参加咨询相关事项以前所未有的社会距离和医疗相关COVID-19,从而增加他们的声誉。 The gradually completed legal corridor is also helping the insurance market in Vietnam attract foreign capital. With the Law on Insurance Business, which took effect in January, these enterprises now can expand their scope of activities related to insurance contracts, in addition to their main business. They not only provide ancillary services of ordinary insurance but also ancillary services related to insurance contracts at buyers’ request, including contract and compensation management as well as risk management consultation. In the past four years, 13 insurance brokerage businesses have been licensed to establish and operate. In 2022, the MoF granted adjustment licences to several insurance brokerage enterprises including SPE, WTW, and Wellbe to carry out insurance auxiliary services. At the same time, the MoF has officially recognised the participation of foreign investors in insurance brokerage such as Malaysia’s Malakut Insurance Brother Asia in the establishment of Malakut Insurance Brokerage Vietnam. “The ability to expand helps insurance brokerage businesses to better develop their potentials and strengths, contributing to the increase in service value as well as the professionalism of the Vietnamese insurance market,” said a representative from the IMS. Likewise, regarding the concern whether companies specialising in ancillary insurance may be affected by the expansion of insurance brokers, Truong Minh Cat Nguyen, CEO of TILA Finance, stated that there will be no overlap because each type of business has its own strengths and potential. “In 2023, insurance brokerage and ancillary businesses both have great opportunities to separate the services and products that each party can perform. It all depends on customers’ habits of using the services,” Nguyen emphasised. According to the Insurance Market Development Strategy to 2030, the regulatory agency will provide detailed instructions on insurance brokerage certificates and insurance auxiliary certificates with the aim of enhancing the sector’s quality and promoting the application of IT in insurance activities. Source: VIR