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<\/p>\nEdhe pse Shqip\u00ebria r\u00ebnditet mes shteteve m\u00eb t\u00eb rrezikuara nga fatkeq\u00ebsit\u00eb natyrore, vendi yn\u00eb vijon t\u00eb jet\u00eb i fundit n\u00eb Evrop\u00eb sa i p\u00ebrket shpezimeve mesatare p\u00ebr frym\u00eb p\u00ebr sigurime.<\/p>\n
Sikur t\u00eb mos mjaftonin p\u00ebrmbytjet e p\u00ebrvitshme, zjarret e p\u00ebrhershme, aksidentet me bombolat e gazit q\u00eb sa vijn\u00eb dhe shpeshtohen apo t\u00ebrmetet tragjike t\u00eb vitit 2019, shqiptar\u00ebt vijojn\u00eb t\u00eb jen\u00eb t\u00eb pand\u00ebrgjegj\u00ebsuar mbi r\u00ebnd\u00ebsin\u00eb e t\u00eb q\u00ebnurit t\u00eb siguruar.<\/p>\n
Pak dit\u00eb m\u00eb par\u00eb, AMF publikoi raportin mbi ecurin\u00eb e tregut t\u00eb sigurimeve n\u00eb Shqip\u00ebri p\u00ebr periudh\u00ebn janar-mars 2023 ku rezulton se shpenzimet p\u00ebr Sigurimin e Pron\u00ebs, sht\u00ebpi apo biznes, ka qen\u00eb 808,270,000 Lek\u00eb. N\u00eb rritje krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb por s\u00ebrish jo aty ku duhet.<\/p>\n
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Sipas INSTAT, popullsia e Shqip\u00ebris\u00eb deri n\u00eb 1 janar 2022 ka qen\u00eb 2,790,000 banor\u00eb \u00e7ka do t\u00eb thot\u00eb se gjat\u00eb tre muajve t\u00eb par\u00eb t\u00eb k\u00ebtij viti nj\u00eb qytetar shqiptar ka shpenzuar vet\u00ebm 290 Lek\u00eb p\u00ebr Sigurimin e Pasuris\u00eb, ose rreth 2.5 Euro. Nd\u00ebrsa nj\u00eb vit m\u00eb par\u00eb ishte 200 Lek\u00eb ose 1.7 Euro.<\/p>\n
Por p\u00ebrse shqiptar\u00ebt vazhdojn\u00eb t\u00eb shpenzojn\u00eb m\u00eb pak p\u00ebr sigurime nd\u00ebrkoh\u00eb q\u00eb rreziqet sa vijn\u00eb dhe shtohen?<\/p>\n
Ne intervistuam Sekretaren e P\u00ebrgjithshme t\u00eb Shoqat\u00ebs s\u00eb Siguruesve t\u00eb Shqip\u00ebris\u00eb, znj. Mimoza Hajdarmataj, e cila listoi disa arsye.<\/p>\n
\u201cNe, shqiptar\u00ebve na p\u00eblqen t\u00eb d\u00ebmshp\u00ebrblehemi n\u00eb nj\u00eb rast fatkeq\u00ebsie por nuk na p\u00eblqen dhe aq shum\u00eb t\u00eb paguajm\u00eb paraprakisht.<\/p>\n
Kjo ka dy arsye kryesore: E para, p\u00ebr shkak t\u00eb kaluar\u00ebs komuniste ku p\u00ebr gjith\u00e7ka p\u00ebrgjigjej shteti, kultura e sigurimit \u00ebsht\u00eb shum\u00eb e ul\u00ebt dhe e dyta, \u00ebsht\u00eb mungesa e nj\u00eb s\u00ebr\u00eb ligjesh q\u00eb i b\u00ebjn\u00eb m\u00eb t\u00eb domosdoshme dhe m\u00eb t\u00eb r\u00ebnd\u00ebsishme sigurimet tek \u00e7do qytetar.<\/p>\n
Sot, Shqip\u00ebria shpenzon rreth 55 euro sigurime p\u00ebr frym\u00eb n\u00eb vit, nd\u00ebrsa vendet fqinje konsumojn\u00eb 3-4 fish m\u00eb shum\u00eb, nd\u00ebrsa Europa ka nj\u00eb mesatare prej 3000-4000 euro p\u00ebr frym\u00eb n\u00eb vit p\u00ebr individ\u201d.<\/p>\n
Sipas Sekretares s\u00eb P\u00ebrgjithshme t\u00eb Shoqat\u00ebs s\u00eb Siguruesve t\u00eb Shqip\u00ebris\u00eb, q\u00eb k\u00ebt\u00eb vit kremton edhe 20-vjetorin e themelimit t\u00eb saj, edukimi financiar duhet t\u00eb marr\u00eb m\u00eb shum\u00eb hap\u00ebsir\u00eb n\u00eb media televizive dhe t\u00eb shkruara.<\/p>\n
\u201cShqiptar\u00ebt jan\u00eb t\u00eb prirur drejt Siguracioneve t\u00eb Detyrueshme si, Sigurimi TPL, Karton Jeshil dhe Kufitar. Sigurimet e detyrueshme zen\u00eb zen\u00eb p\u00ebrqindjen m\u00eb t\u00eb madhe n\u00eb Shqip\u00ebri.<\/p>\n
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Por viti kalendarik nuk ka vet\u00ebm dit\u00eb me diell. Ka dit\u00eb me shi, me p\u00ebrmbytje, me katastrofa natyrore dhe kemi par\u00eb t\u00ebrmetet, p\u00ebr t\u00eb cilat Banka Bot\u00ebrore ka ndezur alarmin e kuq duke i b\u00ebr\u00eb thirrje edhe qeveris\u00eb p\u00ebr t\u00eb marr\u00eb masa.<\/p>\n
Nga nj\u00ebra an\u00eb kemi k\u00ebto risqe kaq t\u00eb m\u00ebdha dhe nga ana tjet\u00ebr kemi nj\u00eb shkall\u00eb kaq t\u00eb ul\u00ebt Sigurimi vullnetar\u201d.<\/p>\n
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Por sa i konsoliduar \u00ebsht\u00eb tregu i sigurimeve n\u00eb Shqip\u00ebri?<\/p>\n
Sipas Sekretares s\u00eb P\u00ebrgjithshme t\u00eb Shoqat\u00ebs s\u00eb Siguruesve, ky treg tashm\u00eb \u00ebsht\u00eb mjaft i konsoliduar dhe i ofron pronar\u00ebve t\u00eb sht\u00ebpive dhe t\u00eb bizneseve siguracion me \u00e7mim t\u00eb p\u00ebrballuesh\u00ebm.<\/p>\n
\u201cPas t\u00ebrmeteve t\u00eb vitit 2019 u shkaktuan shum\u00eb d\u00ebme materiale dhe jet\u00ebsore. Tregu i sigurimeve ju gjend pran\u00eb t\u00eb gjith\u00eb t\u00eb d\u00ebmtuarve duke i vler\u00ebsuar d\u00ebmet e shkaktuara dhe duke i likuiduar n\u00eb koh\u00eb rekord.<\/p>\n
Familjar\u00ebt dhe bizneset e siguruara ishte e vetmja shtres\u00eb q\u00eb nuk u \u201cstresua\u201d p\u00ebr kostot financiare t\u00eb d\u00ebmeve t\u00eb shkaktuara. Vlera monetare e d\u00ebmeve t\u00eb paguara vet\u00ebm n\u00eb at\u00eb periudh\u00eb kalon shifr\u00ebn e 40 milion\u00eb eurove\u201d.<\/p>\n
\u201cQ\u00ebllimi i sigurimit t\u00eb pron\u00ebs \u00ebsht\u00eb t\u00eb minimizoj\u00eb kostot e mundshme t\u00eb katastrofave natyrore.<\/p>\n
P\u00ebr fatin e mir\u00eb t\u00eb t\u00eb gjith\u00eb pronar\u00ebve t\u00eb banesave apo bizneseve, pajisja me nj\u00eb sigurim prone \u00ebsht\u00eb ende mjaft e lir\u00eb n\u00eb vendin ton\u00eb. Teksa nj\u00eb met\u00ebr katror nd\u00ebrtim n\u00eb Tiran\u00eb kushton minimalisht 1000 Euro, sigurimin e Pron\u00ebs mund ta b\u00ebnin tuaj\u00ebn p\u00ebr m\u00eb pak se 1 euro p\u00ebr met\u00ebr katror\u201d, shprehet Hajdarmataj.<\/p>\n
N\u00eb fund, Sekretarja e P\u00ebrgjithshme e Shoqat\u00ebs s\u00eb Siguruesve t\u00eb Shqip\u00ebris\u00eb ka edhe nj\u00eb apel p\u00ebr qytetar\u00ebt dhe bizneset.<\/p>\n
\u201cIndivid\u00ebt, familjet apo bizneset, sado t\u00eb ken\u00eb kursyer dhe v\u00ebn\u00eb para m\u00ebnjan\u00eb, ashp\u00ebrsia e goditjes nga ngjarje t\u00eb papritura mund t\u00eb jet\u00eb shum\u00eb her\u00eb m\u00eb e madhe se k\u00ebto fonde emergjence. Dhe p\u00ebr t\u00eb mbuluar riskun e mosp\u00ebrballimit financiar, shoq\u00ebrit\u00eb e sigurimit kan\u00eb qen\u00eb nd\u00ebr shekuj dhe mbeten mekanizmi mbrojt\u00ebs i stabilitetit ekonomik t\u00eb bizneseve dhe familjeve. Duke transferuar riskun te kompania e sigurimit, qytetari dhe biznesin fiton sigurin\u00eb e vazhdim\u00ebsis\u00eb s\u00eb jet\u00ebs aty ku e ka l\u00ebn\u00eb. Ndaj apeli yn\u00eb \u00ebsht\u00eb: Siguroni ato q\u00eb keni nd\u00ebrtuar me shum\u00eb mund e djers\u00eb\u2026 Mos i lini asgj\u00eb rast\u00ebsis\u00eb\u201d.<\/p>\n
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