Nga Shp\u00ebtim Luku<\/p>\n
<\/p>\n
Q\u00eb jeta ka t\u00eb papritura t\u00eb shumta, improvizime nga m\u00eb t\u00eb shum\u00ebllojshmet e q\u00eb ajo mund t\u00eb ndryshoj\u00eb cil\u00ebsisht prej disa rrethanave e faktor\u00ebve t\u00eb caktuar madhor\u00eb k\u00ebt\u00eb teorikisht e dijn\u00eb thuajse t\u00eb gjith\u00eb. Madje, me ato cfar\u00eb kan\u00eb ndodhur n\u00eb vendin ton\u00eb, me p\u00ebrmbytjet, zjarret n\u00eb ver\u00eb e s\u00eb fundmi t\u00ebrmetet njer\u00ebzit e din\u00eb tashm\u00eb edhe praktikisht se cdo t\u00eb thot\u00eb t\u00eb jesh i ekspozuar p\u00ebrball\u00eb kapriciove t\u00eb natyr\u00ebs. Shum\u00eb vet\u00eb humben jet\u00ebn prej t\u00ebrmetit t\u00eb n\u00ebntorit 2019, t\u00eb tjer\u00eb humb\u00ebn sht\u00ebpit\u00eb, disa humb\u00ebn biznesin pr\u00ebj shembjeve q\u00eb shkaktoi ai t\u00ebrmet. Mir\u00ebpo, thuajse t\u00eb gjith\u00eb pat\u00ebn mund\u00ebsin\u00eb t\u00eb shikojn\u00eb veten n\u00eb pasqyr\u00eb p\u00ebr t\u00eb dalluar bot\u00ebkuptimin e tyre n\u00eb raport me sigurimin. Sepse ata, m\u00eb largpam\u00ebsit, ata, q\u00eb d\u00ebshrojn\u00eb t\u00eb jen\u00eb t\u00eb qet\u00eb duke marr\u00eb masa duke presupozuar edhe situat\u00ebn m\u00eb t\u00eb v\u00ebshtir\u00eb t\u00eb mundshme, ata q\u00eb d\u00ebshirojn\u00eb t\u00eb shijojn\u00eb lirin\u00eb, duke siguruar pron\u00ebn dhe investimet e tyre pat\u00ebn edhe rastin q\u00eb t\u00eb verifikojn\u00eb konkretisht q\u00eb nj\u00eb shum\u00eb e caktuar parash e destinuar p\u00ebr k\u00ebt\u00eb q\u00ebllim nuk \u00ebsht\u00eb e cuar d\u00ebm. Sepse me to ke bler\u00eb qet\u00ebsin\u00eb. Dhe nd\u00ebrsa t\u00eb tjer\u00ebt jan\u00eb n\u00eb shpres\u00eb t\u00eb planeve t\u00eb qeveris\u00eb, nd\u00ebrsa shum\u00eb prej tyre rrijn\u00eb me sy e vesh\u00eb n\u00eb pritje t\u00eb ndonj\u00eb lajmi \u2018rehabilitues\u201d, t\u00eb siguruarit kan\u00eb mbaruar tashm\u00eb pun\u00eb m\u00eb kompanit\u00eb e sigurimeve duke rimbusrsuar nj\u00eb pjes\u00eb t\u00eb mir\u00eb t\u00eb d\u00ebmeve t\u00eb p\u00ebsuara. Jan\u00eb statistikat e 4 mujorit t\u00eb tregut t\u00eb sigurimeve ato q\u00eb e d\u00ebshmojn\u00eb k\u00ebt\u00eb fakt. T\u00eb gjitha kompanit\u00eb e sigurimit kan\u00eb paguar si d\u00ebmshp\u00ebrmblim p\u00ebr ata q\u00eb jan\u00eb siguruar nga zjarri dhe d\u00ebmtimet e tjera n\u00eb pron\u00eb rreth 1 miliard\u00eb e 680 milion\u00eb lek\u00eb, cka p\u00ebrb\u00ebn nj\u00eb rritje me 300 p\u00ebr qind krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit paraardh\u00ebs, kur del q\u00eb jan\u00eb paguar vet\u00ebm 420 milion\u00eb lek\u00eb. T\u00ebrmeti duket se ua ka shkundur xhepat thuajse t\u00eb gjitha kompanive, megjithat\u00eb p\u00ebr disa nga ato, ai ka qen\u00eb v\u00ebrtet nj\u00eb goditje me shum\u00eb ball\u00eb.\u00a0 ALBSIG-ut i \u00ebsht\u00eb dashur t\u00eb paguaj\u00eb nj\u00eb d\u00ebmshp\u00ebrblim total prej afro 650 milion\u00eb lek\u00ebsh, me nj\u00eb rritje prej 7145 p\u00ebr qind. Kompanis\u00eb tjet\u00ebr t\u00eb sigurimeve, SIGMA VIG i \u00ebsht\u00eb dashur t\u00eb p\u00ebrballoj\u00eb n\u00eb 4 muajt e par\u00eb t\u00eb vitit 2020, nj\u00eb d\u00ebmshp\u00ebrblim p\u00ebr sigurimin nga zjarri dhe d\u00ebmtimet e tjera t\u00eb pron\u00ebs afro 192 milion\u00eb lek\u00eb ose afro 4286 p\u00ebr qid m\u00eb shum\u00eb se sa e nj\u00ebjta periudh\u00eb e nj\u00eb viti m\u00eb par\u00eb. Po q\u00eb se do gjykonim nga p\u00ebrqindjet relative, at\u00ebhere duhet t\u00eb ngelnim me goj\u00eb hapur p\u00ebr kompanin\u00eb Atlantik, e cila ka nj\u00eb rritje t\u00eb d\u00ebmit t\u00eb paguar n\u00eb k\u00ebt\u00eb lloj sigurimi prej 65000 p\u00ebr qind. Edhe Intersig-u ka nj\u00eb rritje prej 1751 p\u00ebr qind. Por, sikurse mund t\u00eb jet\u00eb e kuptueshme, arsyeja se pse d\u00ebmet e paguara p\u00ebr sigurimin e pron\u00ebs jan\u00eb rritur n\u00eb k\u00ebto masa, ka t\u00eb b\u00ebj\u00eb me d\u00ebmet q\u00eb shkaktoi nj\u00eb ngjarje madhor\u00eb q\u00eb presupozohet q\u00eb ndodh shum\u00eb rrall\u00eb, sikurse \u00ebsht\u00eb t\u00ebrmeti. Dhe vitet e tjera nuk jan\u00eb paguar shum\u00eb d\u00ebme t\u00eb k\u00ebsaj natyre sepse thjesht nuk kan\u00eb ndodhur d\u00ebmtime t\u00eb pron\u00ebs prej k\u00ebtyr\u00eb shkaqeve.<\/p>\n
Edhe kompania lider e tregut t\u00eb sigurimeve, Sigal Unica Group Austria ka nj\u00eb kontribut t\u00eb madh ne d\u00ebmshp\u00ebrblimin e k\u00ebtij sigurimi, teksa ajo ka paguar afro 470 milion\u00eb lek\u00eb. Por ndryshe nga kompanit\u00eb e tjera, p\u00ebr Sigal-in kjo nuk p\u00ebrfaq\u00ebson ndonj\u00eb rritje stratosferike, por vet\u00ebm 30 p\u00ebr qind, pasi ajo ka paguar shuma t\u00eb konsiderueshme edhe vitet e tjera. Cka duket se \u00ebsht\u00eb nj\u00eb praktik\u00eb e zakonshme e kompanis\u00eb.<\/p>\n
T\u00ebrmeti i n\u00ebntorit t\u00eb vitit t\u00eb kaluar dhe d\u00ebmet q\u00eb ai shkaktoi vun\u00eb n\u00eb prov\u00eb korrektes\u00ebn dhe gadishm\u00ebrin\u00eb e kompanive t\u00eb tregut t\u00eb sigurimeve p\u00ebr tiu p\u00ebrmbajtur premtimeve t\u00eb tyre n\u00eb castin kur kan\u00eb shitur polecat e sigrimit. Ku m\u00eb shum\u00eb e ku m\u00eb pakato b\u00ebn\u00eb p\u00ebrpjekje brenda mund\u00ebsive t\u00eb tyre p\u00ebr tiu p\u00ebrmbajtur k\u00ebtyre premtimeve. N\u00eb k\u00ebt\u00eb kuptim ata dhan\u00eb edhe nj\u00eb kontribut n\u00eb edukimin public t\u00eb popullsis\u00eb p\u00ebr nevoj\u00ebn e sigurimit t\u00eb pron\u00ebs kundrejt atij rreziku, q\u00eb shum\u00eb prej nesh e kemi konsideruar teorik, por q\u00eb u v\u00ebrtetua q\u00eb ndodh edhe praktikisht. Por e pashpjegueshme \u00ebsht\u00eb mosp\u00ebrgjigja, mosreagimi \u00a0i publikut q\u00eb duket se harron menj\u00ebher\u00eb sapo situate qet\u00ebsohet e rreziku duket sikur largohet. Sepse po t\u00eb shikojm\u00eb reflektimin e tij, cka m\u00eb s\u00eb miri d\u00ebshmohet me volumin e primeve t\u00eb sigurimit nga zjarri dhe d\u00ebmtimet e pron\u00ebs, ai ka nj\u00eb rritje vet\u00ebm prej 30 p\u00ebr qind, krahasuar me 4 mujorin e par\u00eb 2019. Konkretisht jan\u00eb 750 milion\u00eb lek\u00eb vlera e primeve n\u00eb 4 mujorin e par\u00eb t\u00eb vitit 2010 nga 573 milion\u00eb lek\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Por a do t\u00eb thot\u00eb kjo se jeta dhe natyra nuk do t\u00eb vazhdoj\u00eb t\u00eb ofroj\u00eb surpriza hidhura?<\/p>\n","protected":false},"excerpt":{"rendered":"
Nga Shp\u00ebtim Luku Q\u00eb jeta ka t\u00eb papritura t\u00eb shumta, improvizime nga m\u00eb t\u00eb shum\u00ebllojshmet e q\u00eb ajo mund t\u00eb ndryshoj\u00eb cil\u00ebsisht prej disa rrethanave e faktor\u00ebve t\u00eb caktuar madhor\u00eb k\u00ebt\u00eb teorikisht e dijn\u00eb thuajse t\u00eb gjith\u00eb. Madje, me ato cfar\u00eb kan\u00eb ndodhur n\u00eb vendin ton\u00eb, me p\u00ebrmbytjet, zjarret n\u00eb ver\u00eb e s\u00eb fundmi […]<\/p>\n","protected":false},"author":1,"featured_media":22377,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[9,4],"tags":[],"yoast_head":"\n