{"id":140054,"date":"2026-04-10T17:28:00","date_gmt":"2026-04-10T17:28:00","guid":{"rendered":"https:\/\/rdnews.al\/?p=140054"},"modified":"2026-04-10T17:34:46","modified_gmt":"2026-04-10T17:34:46","slug":"dy-kategori-qe-shtremberojne-te-vertetat-e-tregut-te-sigurimeve","status":"publish","type":"post","link":"https:\/\/rdnews.al\/index.php\/2026\/04\/10\/dy-kategori-qe-shtremberojne-te-vertetat-e-tregut-te-sigurimeve\/","title":{"rendered":"Dy kategori q\u00eb shtremb\u00ebrojn\u00eb t\u00eb v\u00ebrtetat e tregut t\u00eb sigurimeve!"},"content":{"rendered":"

Nga Mimoza Hajdarmataj<\/strong>
\nSekretare e P\u00ebrgjithshme e Shoqat\u00ebs s\u00eb Siguruesve t\u00eb Shqip\u00ebris\u00eb<\/em><\/strong><\/p>\n

\"\"<\/p>\n

N\u00eb krye t\u00eb her\u00ebs dua t\u00eb ve\u00e7oj nj\u00eb dukuri negative: dy kategori t\u00eb caktuara duan t\u2019ia nxin\u00eb padrejt\u00ebsisht imazhin tregut t\u00eb sigurimeve n\u00eb vend.<\/p>\n

Profesionist\u00ebt e t\u00eb ashtuquajtur\u00ebs \u201cavokatia p\u00ebr d\u00ebmshp\u00ebrblimet e siguracioneve\u201d dhe ata q\u00eb d\u00ebshtojn\u00eb t\u00eb p\u00ebrfitojn\u00eb nga kompanit\u00eb siguruese m\u00eb shum\u00eb se sa lejon kontrata ligjore. T\u00eb dy k\u00ebto kategori po kultivojn\u00eb nj\u00eb mosbesim t\u00eb padrejt\u00eb te tregu shqiptar i sigurimeve.<\/p>\n

Secil\u00ebn prej m\u00ebnyrave t\u00eb veprimit t\u00eb k\u00ebtyre kategorive do t\u2019i p\u00ebrshkruaj n\u00eb vijim, por m\u00eb par\u00eb po ndalem n\u00eb analiz\u00ebn t\u00ebr\u00ebsore t\u00eb tregut t\u00eb sigurimeve.<\/p>\n

\ud83d\udc49Tregu shqiptar i sigurimeve<\/strong><\/p>\n

Shqip\u00ebria u fut n\u00eb industrin\u00eb e sigurimeve pas kap\u00ebrcimit nga nj\u00eb vend totalitar n\u00eb nj\u00eb vend me ekonomi tregu. Koha kur shqiptar\u00ebt m\u00ebsuan dobin\u00eb e sigurimeve \u00ebsht\u00eb e shkurt\u00ebr, vet\u00ebm 35-vje\u00e7are.
\nSot, tregu \u00ebsht\u00eb i liberalizuar, klienti mund t\u00eb marr\u00eb produktet e tij n\u00eb \u00e7do kompani sigurimesh n\u00eb t\u00eb gjith\u00eb territorin e Shqip\u00ebris\u00eb dhe natyrisht do t\u00eb p\u00ebrfitoj\u00eb edhe d\u00ebmshp\u00ebrblimin, n\u00eb p\u00ebrputhje me kontrat\u00ebn.<\/p>\n

Vet\u00ebm 6-10% e popullsis\u00eb kan\u00eb t\u00eb pakt\u00ebn nj\u00eb produkt sigurimi n\u00eb vend. K\u00ebtu p\u00ebrfshihen t\u00eb gjitha llojet e sigurimeve, segmentet e jet\u00ebs dhe t\u00eb jo-jet\u00ebs.<\/p>\n

Megjith\u00ebse siguracioni m\u00eb i p\u00ebrhapur n\u00eb vend \u00ebsht\u00eb sigurimi i detyruesh\u00ebm motorik, TPL, rreth 20-25% e automjeteve n\u00eb territorin e Shqip\u00ebris\u00eb qarkullojn\u00eb ende t\u00eb pasiguruara. Kjo e dh\u00ebn\u00eb interesante ndihmon p\u00ebr t\u00eb radhitur arsyet se pse kjo industri ende mbetet me penetrim t\u00eb ul\u00ebt: munges\u00eb e kultur\u00ebs s\u00eb sigurimeve, munges\u00eb p\u00ebrgjegjshm\u00ebrie, fataliz\u00ebm.<\/p>\n

Nj\u00eb pesh\u00eb t\u00eb caktuar ka edhe kultura etatiste e qeverisjes.<\/p>\n

Pas \u00e7do ngjarjeje, fatkeq\u00ebsie natyrore, n\u00eb vend q\u00eb qeverisja t\u00eb rris\u00eb nd\u00ebrgjegj\u00ebsimin shoq\u00ebror p\u00ebr m\u00eb shum\u00eb sigurime t\u00eb risqeve, ajo tregohet p\u00ebrkujdes\u00ebse, s\u00eb paku n\u00eb premtime.<\/p>\n

Rezultati: Shqip\u00ebria shpenzon rreth 80-100 euro sigurime p\u00ebr frym\u00eb, nd\u00ebrsa fqinjt\u00eb e kan\u00eb tejkaluar her\u00ebt k\u00ebt\u00eb shif\u00ebr, Sllovenia paguan mbi 1300 euro, vendet e BE-s\u00eb 3 mij\u00eb euro nd\u00ebrsa SHBA 6 mij\u00eb dollar\u00eb p\u00ebr frym\u00eb.<\/p>\n

Sot, si Shoqat\u00eb e Siguruesve t\u00eb Shqip\u00ebris\u00eb, mund t\u00eb themi me kompetenc\u00eb dhe pa m\u00ebdyshje: d\u00ebmet n\u00eb Shqip\u00ebri paguhen m\u00eb shpejt se kudo tjet\u00ebr, m\u00eb shpejt se \u00e7do vend i Evrop\u00ebs.<\/p>\n

\ud83d\udc49D\u00ebmtuesit e imazhit t\u00eb industris\u00eb s\u00eb sigurimeve<\/strong><\/p>\n

Ne si shoqat\u00eb disponojm\u00eb studime t\u00eb holl\u00ebsishme, pyet\u00ebsor\u00eb t\u00eb brendsh\u00ebm q\u00eb kompani serioze i kan\u00eb b\u00ebr\u00eb tregut dhe klientel\u00ebs vendase.<\/p>\n

Statistikisht, 6-10% e popullsis\u00eb kan\u00eb t\u00eb pakt\u00ebn nj\u00eb produkt sigurimi. N\u00eb pyet\u00ebsor\u00eb t\u00eb ndrysh\u00ebm u v\u00ebrejt se p\u00ebrgjigjeshin negativisht p\u00ebr p\u00eblqyeshm\u00ebrin\u00eb dhe besueshm\u00ebrin\u00eb e kompanive t\u00eb sigurimeve, qytetar\u00eb q\u00eb nuk kan\u00eb patur kurr\u00eb nj\u00eb p\u00ebrvoj\u00eb personale negative me to.
\nNj\u00eb pjes\u00eb e tyre p\u00ebrgjigjej se nuk kishte pasur kurr\u00eb nj\u00eb siguracion. Nga buronte ky perceptim negativ?
\nDy burime u gjet\u00ebn nga k\u00ebrkimet e tregut. Dy kategorit\u00eb q\u00eb ve\u00e7ova n\u00eb krye t\u00eb analiz\u00ebs.<\/p>\n

\ud83d\udcccAvokatia e d\u00ebmeve n\u00eb siguracione<\/strong><\/p>\n

Problematika v\u00ebrehet kryesisht te sigurimet motorike, ku d\u00ebmet sh\u00ebndet\u00ebsore paguhen m\u00eb ngadal\u00eb. Vet\u00ebm 10% e k\u00ebtyre d\u00ebmeve p\u00ebrfundojn\u00eb n\u00eb gjykata dhe, nga kjo p\u00ebrqindje e vog\u00ebl, krijohet nj\u00eb lloj lobimi q\u00eb keqinformon publikun p\u00ebr tregun e sigurimeve dhe korrekt\u00ebsin\u00eb e pagesave. T\u00eb par\u00ebt e interesuar jan\u00eb profesionist\u00ebt e avokatis\u00eb n\u00eb siguracione, t\u00eb cil\u00ebt n\u00eb nj\u00eb moment t\u00eb procesit u ofrojn\u00eb klient\u00ebve marr\u00ebveshje financiare. Klient\u00ebt, n\u00ebn presion kohor dhe ndikim propagandistik se mund t\u00eb mos i marrin parat\u00eb, e pranojn\u00eb ofert\u00ebn nga zyra avokatore. Megjithat\u00eb, shuma e p\u00ebrfituar \u00ebsht\u00eb zakonisht m\u00eb pak se gjysma e asaj q\u00eb u takon ligj\u00ebrisht. K\u00ebshtu, propaganda se \u201ckompanit\u00eb nuk paguajn\u00eb\u201d ushqen nj\u00eb treg t\u00eb shtremb\u00ebruar me p\u00ebrfitues konkret\u00eb. N\u00ebse t\u00eb d\u00ebmtuarit do t\u2019u drejtoheshin kompanive t\u00eb sigurimit p\u00ebr konsulenc\u00eb falas, shoqat\u00ebs apo edhe AMF-s\u00eb, do t\u00eb p\u00ebrfitonin 100% t\u00eb vler\u00ebs ligjore, jo rreth 40%. Ky realitet ka d\u00ebmtuar ndjesh\u00ebm opinionin publik n\u00eb Shqip\u00ebri.<\/p>\n

\ud83d\udcccPamund\u00ebsia p\u00ebr t\u00eb p\u00ebrfituar m\u00eb shum\u00eb se sa kontrata<\/strong><\/p>\n

Nga ana tjet\u00ebr, ky opinion negativ \u00ebsht\u00eb b\u00ebr\u00eb mjaft i p\u00ebrhapur, sidomos te individ\u00eb q\u00eb k\u00ebrkojn\u00eb p\u00ebrfitime sh\u00ebndet\u00ebsore n\u00eb kuad\u00ebr t\u00eb l\u00ebvizjes s\u00eb lir\u00eb n\u00eb vendet e Evrop\u00ebs.<\/p>\n

Sot, shum\u00eb spitale n\u00eb Itali, Gjermani apo Franc\u00eb k\u00ebrkojn\u00eb pagesa nga qytetar\u00ebt shqiptar\u00eb, pasi ata kan\u00eb kryer trajtime apo nd\u00ebrhyrje, q\u00eb nuk mbulohen nga sigurimet q\u00eb kan\u00eb bler\u00eb. Shpesh, individ\u00ebt paraqesin siguracione shum\u00eb bazike (4\u201310 euro), t\u00eb cilat mbulojn\u00eb vet\u00ebm emergjencat, si sigurime t\u00eb plota sh\u00ebndet\u00ebsore. Kur p\u00ebrballen me faturat reale, pretendojn\u00eb se \u201ckompanit\u00eb nuk paguajn\u00eb\u201d, pa p\u00ebrmendur nivelin minimal t\u00eb primit apo kufizimet e kontrat\u00ebs, t\u00eb cil\u00ebn e kan\u00eb pranuar me vet\u00ebdije t\u00eb plot\u00eb.<\/p>\n

N\u00eb fakt, k\u00ebto sigurime mbulojn\u00eb vet\u00ebm ndihm\u00ebn emergjente, transportin n\u00eb spital dhe trajtimin fillestar, jo nd\u00ebrhyrje t\u00eb planifikuara apo trajtime t\u00eb kushtueshme jasht\u00eb k\u00ebtij kuadri.<\/p>\n

Megjithat\u00eb, opinioni publik shpesh p\u00ebrforcon k\u00ebto z\u00ebra negativ\u00eb, duke u bazuar n\u00eb raste t\u00eb nj\u00ebanshme dhe jo n\u00eb faktet reale.<\/p>\n

N\u00eb Shqip\u00ebri ka kompani sigurimi, t\u00eb cilat ofrojn\u00eb produkte q\u00eb mbulojn\u00eb edhe operacione dhe trajtime t\u00eb avancuara, me mbulime deri n\u00eb 1 milion\u00eb euro. K\u00ebto mbulime kan\u00eb t\u00eb tjera \u00e7mime sigurimi dhe t\u00eb tjera kushte kontratuale.<\/p>\n

Dezinformimi dhe keqinterpretimi i q\u00ebllimsh\u00ebm po e d\u00ebmtojn\u00eb imazhin e tregut padrejt\u00ebsisht. N\u00eb realitet, kompanit\u00eb paguajn\u00eb sipas kushteve t\u00eb marr\u00ebveshjes, nd\u00ebrsa abuzimi me pretendime t\u00eb pabazuara krijon perceptime t\u00eb gabuara dhe d\u00ebmton besimin publik.<\/p>\n

N\u00eb mbyllje, dua t\u00eb sjell n\u00eb v\u00ebmendje t\u00eb lexuesit se tregu shqiptar i sigurimeve, p\u00ebrkund\u00ebr pretendimeve keqinformuese dhe shpesh t\u00eb stisura, po rrit vazhdimisht nivelin e pagesave dhe po i kryen ato n\u00eb koh\u00eb mesatare nd\u00ebr m\u00eb t\u00eb shpejtat n\u00eb Evrop\u00eb.<\/p>\n

Sipas t\u00eb dh\u00ebnave zyrtare, n\u00eb vitin 2025 kjo industri pagoi 2.27 her\u00eb m\u00eb shum\u00eb d\u00ebme krahasuar me nj\u00eb dekad\u00eb m\u00eb par\u00eb, n\u00eb vitin 2015. N\u00eb total, u likuiduan rreth 8.3 miliard\u00eb lek\u00eb d\u00ebme gjat\u00eb vitit 2025.<\/p>\n

Nxirja e imazhit t\u00eb nj\u00eb sektori q\u00eb \u00ebsht\u00eb partner jetik p\u00ebr individ\u00ebt, familjet, bizneset dhe ekonomin\u00eb n\u00eb t\u00ebr\u00ebsi, si edhe p\u00ebr mir\u00ebqeverisjen, \u00ebsht\u00eb e pabaz\u00eb dhe kund\u00ebrproduktive.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Nga Mimoza Hajdarmataj Sekretare e P\u00ebrgjithshme e Shoqat\u00ebs s\u00eb Siguruesve t\u00eb Shqip\u00ebris\u00eb N\u00eb krye t\u00eb her\u00ebs dua t\u00eb ve\u00e7oj nj\u00eb dukuri negative: dy kategori t\u00eb caktuara duan t\u2019ia nxin\u00eb padrejt\u00ebsisht imazhin tregut t\u00eb sigurimeve n\u00eb vend. Profesionist\u00ebt e t\u00eb ashtuquajtur\u00ebs \u201cavokatia p\u00ebr d\u00ebmshp\u00ebrblimet e siguracioneve\u201d dhe ata q\u00eb d\u00ebshtojn\u00eb t\u00eb p\u00ebrfitojn\u00eb nga kompanit\u00eb siguruese m\u00eb …<\/p>\n","protected":false},"author":4,"featured_media":140055,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-140054","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-politike"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/140054","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=140054"}],"version-history":[{"count":3,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/140054\/revisions"}],"predecessor-version":[{"id":140059,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/140054\/revisions\/140059"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/140055"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=140054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=140054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=140054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}