{"id":14040,"date":"2025-09-27T13:22:00","date_gmt":"2025-09-27T06:22:00","guid":{"rendered":"https:\/\/luckydoor.vn\/fts-demo\/?post_type=article&p=14040"},"modified":"2025-11-27T13:24:38","modified_gmt":"2025-11-27T06:24:38","slug":"cac-hang-tai-bao-hiem-tang-cuong-bao-ve-khi-rui-ro-thien-tai-gia-tang","status":"publish","type":"article","link":"https:\/\/fts.com.vn\/en\/article\/cac-hang-tai-bao-hiem-tang-cuong-bao-ve-khi-rui-ro-thien-tai-gia-tang\/","title":{"rendered":"C\u00e1c h\u00e3ng t\u00e1i b\u1ea3o hi\u1ec3m t\u0103ng c\u01b0\u1eddng b\u1ea3o v\u1ec7 khi r\u1ee7i ro thi\u00ean tai gia t\u0103ng"},"content":{"rendered":"\n

(\u0110TCK) Khi thi\u00ean tai ng\u00e0y c\u00e0ng x\u1ea3y ra th\u01b0\u1eddng xuy\u00ean v\u00e0 g\u00e2y ra nhi\u1ec1u thi\u1ec7t h\u1ea1i, gi\u1ea3i ph\u00e1p d\u1ef1 ph\u00f2ng quan tr\u1ecdng nh\u1eb1m h\u1ed7 tr\u1ee3 b\u00f9 \u0111\u1eafp t\u1ed5n th\u1ea5t tr\u1edf n\u00ean ng\u00e0y c\u00e0ng kh\u00f3 ti\u1ebfp c\u1eadn.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Theo S&P Global Ratings, ng\u00e0nh t\u00e1i b\u1ea3o hi\u1ec3m \u2013 v\u1ed1n \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp \u0111\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed1i ph\u00f3 v\u1edbi t\u1ed5n th\u1ea5t khi thi\u00ean tai x\u1ea3y ra \u2013 \u0111\u00e3 c\u00f3 nh\u1eefng bi\u1ec7n ph\u00e1p \u0111\u00e1ng k\u1ec3 \u0111\u1ec3 b\u1ea3o v\u1ec7 m\u00ecnh tr\u01b0\u1edbc h\u1eadu qu\u1ea3 t\u00e0i ch\u00ednh c\u1ee7a b\u00e3o, l\u0169 l\u1ee5t v\u00e0 c\u00e1c hi\u1ec7n t\u01b0\u1ee3ng th\u1eddi ti\u1ebft kh\u1eafc nghi\u1ec7t kh\u00e1c.<\/p>\n\n\n\n

Theo Simon Ashworth, gi\u00e1m \u0111\u1ed1c ph\u00e2n t\u00edch x\u1ebfp h\u1ea1ng b\u1ea3o hi\u1ec3m t\u1ea1i S&P, trong n\u1eeda th\u1eadp k\u1ef7 qua, 19 c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u th\u1ebf gi\u1edbi \u0111\u00e3 gi\u1ea3m h\u01a1n m\u1ed9t n\u1eeda m\u1ee9c r\u1ee7i ro m\u00e0 h\u1ecd g\u00e1nh ch\u1ecbu \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5n th\u1ea5t do thi\u00ean tai \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u00e0 nhi\u1ec1u kh\u1ea3 n\u0103ng h\u1ecd s\u1ebd ti\u1ebfp t\u1ee5c g\u00e1nh ch\u1ecbu g\u00e1nh n\u1eb7ng nh\u1ecf h\u01a1n so v\u1edbi m\u1ee9c l\u1ecbch s\u1eed.<\/p>\n\n\n\n

\u201cT\u00f4i kh\u00f4ng cho r\u1eb1ng t\u00ecnh h\u00ecnh n\u00e0y s\u1ebd s\u1edbm thay \u0111\u1ed5i\u201d, \u00f4ng cho bi\u1ebft.<\/p>\n\n\n\n

Ng\u00e0nh t\u00e1i b\u1ea3o hi\u1ec3m \u0111\u00e3 thi\u1ebft l\u1eadp nh\u1eefng v\u00f9ng \u0111\u1ec7m \u0111\u00e1ng k\u1ec3 sau nhi\u1ec1u n\u0103m n\u00e9 tr\u00e1nh \u0111\u01b0\u1ee3c thua l\u1ed7 v\u00e0 t\u00edch l\u0169y v\u1ed1n th\u00f4ng qua \u0111\u1ea7u t\u01b0. Theo S&P, c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m l\u1edbn hi\u1ec7n c\u00f3 \u0111\u1ee7 v\u1ed1n \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c kho\u1ea3n l\u1ed7 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi ba c\u01a1n b\u00e3o Katrina trong v\u00f2ng m\u1ed9t n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 300 t\u1ef7 USD, trong khi v\u1eabn duy tr\u00ec x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m hi\u1ec7n t\u1ea1i.<\/p>\n\n\n\n

Theo c\u00f4ng ty m\u00f4 h\u00ecnh h\u00f3a r\u1ee7i ro Verisk, th\u1ea3m h\u1ecda thi\u00ean nhi\u00ean d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u1ea9y m\u1ee9c t\u1ed5n th\u1ea5t \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00ean h\u01a1n 150 t\u1ef7 USD trong n\u0103m nay, cao h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee9c trung b\u00ecnh 10 n\u0103m. Trong b\u1ed1i c\u1ea3nh c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang ch\u1eadt v\u1eadt d\u01b0\u1edbi s\u1ee9c n\u1eb7ng c\u1ee7a chi ph\u00ed ph\u1ea3i \u0111\u1ed1i m\u1eb7t, c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m \u0111ang ch\u1ecbu \u00e1p l\u1ef1c ng\u00e0y c\u00e0ng t\u0103ng trong vi\u1ec7c gi\u1ea3m gi\u00e1 ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

 Theo S&P, ng\u00e0nh t\u00e1i b\u1ea3o hi\u1ec3m ch\u1ec9 chi tr\u1ea3 h\u01a1n 10% t\u1ed5ng s\u1ed1 t\u1ed5n th\u1ea5t do th\u1ea3m h\u1ecda \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong n\u0103m ngo\u00e1i, so v\u1edbi kho\u1ea3ng 25% v\u00e0o n\u0103m 2019 v\u00e0 th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee9c trung b\u00ecnh l\u1ecbch s\u1eed l\u00e0 20%.<\/p>\n\n\n\n

\u201cNhi\u1ec1u c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m ng\u00e0y c\u00e0ng k\u00e9n ch\u1ecdn, ch\u00fa tr\u1ecdng l\u1ee3i nhu\u1eadn h\u01a1n t\u0103ng tr\u01b0\u1edfng, v\u00e0 t\u1eeb ch\u1ed1i nh\u1eefng h\u1ee3p \u0111\u1ed3ng kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c ng\u01b0\u1ee1ng r\u1ee7i ro-l\u1ee3i nhu\u1eadn y\u00eau c\u1ea7u\u2026\u0110\u1eb7c bi\u1ec7t l\u00e0 trong c\u00e1c d\u00f2ng b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong t\u1ea1i M\u1ef9\u201d, Fitch Ratings cho bi\u1ebft trong m\u1ed9t b\u00e1o c\u00e1o g\u1ea7n \u0111\u00e2y.<\/p>\n\n\n\n

Tu\u1ea7n n\u00e0y, c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m s\u1ebd h\u1ecdp m\u1eb7t th\u01b0\u1eddng ni\u00ean t\u1ea1i Monte Carlo, trong \u0111\u00f3 c\u00e1c gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh s\u1ebd th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1ch ti\u1ebfp c\u1eadn c\u00e1c xu h\u01b0\u1edbng \u0111ang ph\u00e1t tri\u1ec3n. Theo Moody\u2019s Ratings, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ef3 v\u1ecdng c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m s\u1ebd gi\u1ea3m gi\u00e1 ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

M\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t do Moody\u2019s th\u1ef1c hi\u1ec7n \u0111\u1ed1i v\u1edbi c\u00e1c b\u00ean mua t\u00e1i b\u1ea3o hi\u1ec3m cho th\u1ea5y 75% s\u1ed1 ng\u01b0\u1eddi tham gia d\u1ef1 \u0111o\u00e1n gi\u00e1 t\u00e1i b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n s\u1ebd gi\u1ea3m, m\u1ed9t s\u1ed1 d\u1ef1 ki\u1ebfn m\u1ee9c gi\u1ea3m s\u00e2u t\u1edbi 7,5% v\u00e0o n\u0103m t\u1edbi.<\/p>\n\n\n\n

 Moody\u2019s c\u0169ng l\u01b0u \u00fd r\u1eb1ng v\u1ec1 l\u00e2u d\u00e0i, th\u1eddi ti\u1ebft kh\u1eafc nghi\u1ec7t s\u1ebd \u0111\u1eb7t ra \u201cth\u00e1ch th\u1ee9c quan tr\u1ecdng \u0111\u1ed1i v\u1edbi ng\u00e0nh t\u00e1i b\u1ea3o hi\u1ec3m\u201d khi thi\u00ean tai x\u1ea3y ra th\u01b0\u1eddng xuy\u00ean h\u01a1n. Trong nh\u1eefng n\u0103m 1970, c\u00f3 g\u1ea7n 50 hi\u1ec7n t\u01b0\u1ee3ng th\u1eddi ti\u1ebft c\u1ef1c \u0111oan x\u1ea3y ra h\u00e0ng n\u0103m, nh\u01b0ng trong th\u1eadp k\u1ef7 qua, con s\u1ed1 n\u00e0y \u0111\u00e3 l\u00ean t\u1edbi g\u1ea7n 200.<\/p>\n\n\n\n

Trong khi \u0111\u00f3, c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng t\u1ed5n th\u1ea5t l\u1edbn h\u01a1n d\u01b0\u1edbi d\u1ea1ng c\u00e1c r\u1ee7i ro th\u1ee9 c\u1ea5p, ch\u1eb3ng h\u1ea1n nh\u01b0 b\u00e3o \u0111\u1ed1i l\u01b0u nghi\u00eam tr\u1ecdng v\u00e0 ch\u00e1y r\u1eebng. V\u00e0 vi\u1ec7c t\u00ecm ra c\u00e1ch m\u00f4 h\u00ecnh h\u00f3a c\u00e1c s\u1ef1 ki\u1ec7n nh\u01b0 v\u1eady \u0111ang t\u1ecf ra l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n c\u00e1c ch\u1ee9ng kho\u00e1n li\u00ean k\u1ebft b\u1ea3o hi\u1ec3m nh\u01b0 tr\u00e1i phi\u1ebfu th\u1ea3m h\u1ecda.<\/p>\n\n\n\n

\u201cTh\u00e1ch th\u1ee9c v\u1edbi c\u00e1c r\u1ee7i ro th\u1ee9 c\u1ea5p l\u00e0 ch\u00fang th\u01b0\u1eddng kh\u00f3 m\u00f4 h\u00ecnh h\u00f3a h\u01a1n m\u1ed9t ch\u00fat v\u00e0 do \u0111\u00f3 kh\u00f3 \u0111\u1ecbnh gi\u00e1 h\u01a1n\u2026\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 c\u00e1c m\u00f4 h\u00ecnh ph\u1ea3i \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt\u201d, Eveline Takken-Somers, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u b\u1ed9 ph\u1eadn \u0111\u1ea7u t\u01b0 li\u00ean k\u1ebft b\u1ea3o hi\u1ec3m t\u1ea1i PGGM cho bi\u1ebft.<\/p>\n\n\n\n

Hi\u1ec7n t\u1ea1i, c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m \u0111\u00e3 gi\u1ea3m m\u1ee9c r\u1ee7i ro \u0111\u1ed1i v\u1edbi c\u00e1c r\u1ee7i ro th\u1ee9 c\u1ea5p b\u1eb1ng c\u00e1ch t\u0103ng ng\u01b0\u1ee1ng t\u1ed5n th\u1ea5t t\u1ea1i \u0111\u00f3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1eaft \u0111\u1ea7u chi tr\u1ea3 (attachment point).<\/p>\n\n\n\n

 Ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u00e3 d\u1ef1 tr\u00f9 t\u1ed5ng c\u1ed9ng 21 t\u1ef7 USD \u0111\u1ec3 x\u1eed l\u00fd t\u1ed5n th\u1ea5t do thi\u00ean tai v\u00e0o n\u0103m 2025, trong \u0111\u00f3 c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m cho \u0111\u1ebfn nay m\u1edbi ch\u1ec9 s\u1eed d\u1ee5ng m\u1ed9t n\u1eeda. Theo \u00f4ng Simon Ashworth, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u00ednh l\u1edbn c\u1ee7a M\u1ef9 \u0111\u00e3 s\u1eed d\u1ee5ng h\u1ebft 80% ng\u00e2n s\u00e1ch, ph\u1ea7n l\u1edbn l\u00e0 do \u1ea3nh h\u01b0\u1edfng c\u1ee7a c\u00e1c v\u1ee5 ch\u00e1y r\u1eebng \u1edf California.<\/p>\n\n\n\n

Ngu\u1ed3n: https:\/\/www.tinnhanhchungkhoan.vn\/sp-global-cac-hang-tai-bao-hiem-tang-cuong-bao-ve-khi-rui-ro-thien-tai-gia-tang-post376204.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

(\u0110TCK) Khi thi\u00ean tai ng\u00e0y c\u00e0ng x\u1ea3y ra th\u01b0\u1eddng xuy\u00ean v\u00e0 g\u00e2y ra nhi\u1ec1u thi\u1ec7t h\u1ea1i, gi\u1ea3i ph\u00e1p d\u1ef1 ph\u00f2ng quan tr\u1ecdng nh\u1eb1m h\u1ed7 tr\u1ee3 b\u00f9 \u0111\u1eafp t\u1ed5n th\u1ea5t tr\u1edf n\u00ean ng\u00e0y c\u00e0ng kh\u00f3 ti\u1ebfp c\u1eadn. Theo S&P Global Ratings, ng\u00e0nh t\u00e1i b\u1ea3o hi\u1ec3m \u2013 v\u1ed1n \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp \u0111\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o […]<\/p>\n","protected":false},"featured_media":14042,"template":"","article_category":[14],"class_list":["post-14040","article","type-article","status-publish","has-post-thumbnail","hentry","article_category-bao-hiem-phi-nhan-tho"],"_links":{"self":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article\/14040","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article"}],"about":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/types\/article"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/media\/14042"}],"wp:attachment":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/media?parent=14040"}],"wp:term":[{"taxonomy":"article_category","embeddable":true,"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article_category?post=14040"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}