{"id":14048,"date":"2025-11-06T13:31:03","date_gmt":"2025-11-06T06:31:03","guid":{"rendered":"https:\/\/luckydoor.vn\/fts-demo\/?post_type=article&p=14048"},"modified":"2025-11-27T13:34:34","modified_gmt":"2025-11-27T06:34:34","slug":"quy-mo-thi-truong-bao-hiem-viet-nam-khoang-3-gdp","status":"publish","type":"article","link":"https:\/\/fts.com.vn\/en\/article\/quy-mo-thi-truong-bao-hiem-viet-nam-khoang-3-gdp\/","title":{"rendered":"Quy m\u00f4 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam kho\u1ea3ng 3% GDP"},"content":{"rendered":"\n

Quy m\u00f4 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m m\u1edbi kho\u1ea3ng 3% GDP, th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3 trung b\u00ecnh to\u00e0n c\u1ea7u, cho th\u1ea5y c\u01a1 h\u1ed9i m\u1edf r\u1ed9ng v\u00e0 \u0111\u00f3ng g\u00f3p v\u00e0o t\u0103ng tr\u01b0\u1edfng.<\/em><\/strong><\/h3>\n\n\n\n

\u0110\u00e2y l\u00e0 k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i v\u00e0 kinh t\u1ebf c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i ASEAN do Prudential n\u00eau t\u1ea1i phi\u00ean chuy\u00ean \u0111\u1ec1 thu\u1ed9c khu\u00f4n kh\u1ed5 H\u1ed9i ngh\u1ecb Th\u01b0\u1ee3ng \u0111\u1ec9nh Vi\u1ec7t Nam \u2013 Anh v\u1eeba di\u1ec5n ra t\u1ea1i TP HCM.<\/p>\n\n\n\n

T\u1ed5ng quy m\u00f4 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 3% GDP, b\u1eb1ng m\u1ee9c trung b\u00ecnh 6 n\u01b0\u1edbc \u0110\u00f4ng Nam \u00c1 (Indonesia, Malaysia, Philippines, Singapore, Th\u00e1i Lan, Vi\u1ec7t Nam) nh\u01b0ng th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3 m\u1ee9c trung b\u00ecnh to\u00e0n c\u1ea7u l\u00e0 6,7%.<\/p>\n\n\n\n

Trong 6 n\u01b0\u1edbc ASEAN \u2013 chi\u1ebfm 99% quy m\u00f4 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m to\u00e0n kh\u1ed1i \u2013 ch\u1ec9 Malaysia v\u00e0 Singapore s\u1edf h\u1eefu th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m l\u1edbn h\u01a1n 3% GDP, ri\u00eang Singapore d\u1eabn \u0111\u1ea7u, \u0111\u1ea1t 9,2%.<\/p>\n\n\n\n

Theo \u00f4ng Steven Chan, Gi\u00e1m \u0111\u1ed1c Quan h\u1ec7 Ch\u00ednh ph\u1ee7 v\u00e0 Ch\u00ednh s\u00e1ch T\u1eadp \u0111o\u00e0n Prudential, th\u00e1ch th\u1ee9c chung c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m l\u00e0 v\u1ea5n \u0111\u1ec1 th\u00f4ng tin v\u00e0 ni\u1ec1m tin. \u00d4ng d\u1eabn kh\u1ea3o s\u00e1t cho bi\u1ebft h\u01a1n m\u1ed9t n\u1eeda s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi kh\u00f4ng bi\u1ebft l\u1ea5y th\u00f4ng tin v\u1ec1 b\u1ea3o hi\u1ec3m \u1edf \u0111\u00e2u ho\u1eb7c kh\u00f4ng \u0111\u1ee7 th\u00f4ng tin \u0111\u1ec3 ra quy\u1ebft \u0111\u1ecbnh.<\/p>\n\n\n\n

\u201cV\u1edbi Vi\u1ec7t Nam, t\u00f4i cho r\u1eb1ng t\u00ecnh h\u00ecnh c\u0169ng t\u01b0\u01a1ng t\u1ef1\u201d, \u00f4ng nh\u1eadn \u0111\u1ecbnh. Ngo\u00e0i ra, c\u00f2n c\u00e1c r\u00e0o c\u1ea3n v\u1ec1 h\u1ea1 t\u1ea7ng, chi ph\u00ed v\u00e0 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5. \u0110\u01a1n c\u1eed, c\u1ee9 4 ng\u01b0\u1eddi th\u00ec c\u00f3 1 g\u1eb7p kh\u00f3 khi y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. Nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng bi\u1ebft r\u00f5 ph\u1ea3i tr\u1ea3 nh\u1eefng kho\u1ea3n chi ph\u00ed n\u00e0o v\u00e0 v\u00ec sao, d\u1eabn \u0111\u1ebfn t\u00e2m l\u00fd e ng\u1ea1i.<\/p>\n\n\n\n

\"\"
C\u00e1c chuy\u00ean gia tham d\u1ef1 phi\u00ean t\u1ecda \u0111\u00e0m chi\u1ec1u 6\/10 trong khu\u00f4n kh\u1ed5 h\u1ed9i ngh\u1ecb. \u1ea2nh\u00a0ban t\u1ed5 ch\u1ee9c<\/em>
<\/figcaption><\/figure>\n\n\n\n

Theo \u00f4ng Ng\u00f4 Trung D\u0169ng, Ph\u00f3 t\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam, ng\u01b0\u1eddi Vi\u1ec7t c\u00f3 xu h\u01b0\u1edbng ng\u1ea1i n\u00f3i v\u1ec1 r\u1ee7i ro v\u00e0 mua b\u1ea3o hi\u1ec3m. Do \u0111\u00f3, nh\u1eadn th\u1ee9c v\u1ec1 vai tr\u00f2 b\u1ea3o hi\u1ec3m, nh\u1ea5t l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd h\u1ea1n ch\u1ebf.<\/p>\n\n\n\n

Nghi\u00ean c\u1ee9u \u0111\u1ed3ng th\u1eddi cho bi\u1ebft d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam c\u00f2n l\u1edbn, c\u00f3 kh\u1ea3 n\u0103ng t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ebfn n\u1ec1n kinh t\u1ebf. Theo \u0111\u00f3, n\u1ebfu \u0111\u1ed9 ph\u1ee7 b\u1ea3o hi\u1ec3m (phi nh\u00e2n th\u1ecd l\u1eabn nh\u00e2n th\u1ecd) t\u0103ng 50%, GDP v\u00e0 GDP b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi c\u00f3 th\u1ec3 t\u0103ng th\u00eam l\u1ea7n l\u01b0\u1ee3t 4,1% v\u00e0 2,5%.<\/p>\n\n\n\n

D\u1ef1 b\u00e1o n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng c\u00f4ng c\u1ee5 \u201cM\u00f4 h\u00ecnh T\u0103ng tr\u01b0\u1edfng D\u00e0i h\u1ea1n\u201d (Long-Term Growth Model) c\u1ee7a Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi, ph\u00e2n t\u00edch 3 t\u00e1c \u0111\u1ed9ng c\u00f3 th\u1ec3 mang l\u1ea1i c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m g\u1ed3m: lao \u0111\u1ed9ng, v\u1ed1n v\u00e0 v\u1ed1n nh\u00e2n l\u1ef1c.<\/p>\n\n\n\n

C\u1ee5 th\u1ec3, b\u1ea3o hi\u1ec3m y t\u1ebf gi\u00fap c\u1ea3i thi\u1ec7n s\u1ee9c kh\u1ecfe, gi\u1ea3m chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh, t\u1eeb \u0111\u00f3 khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi lao \u0111\u1ed9ng gia nh\u1eadp th\u1ecb tr\u01b0\u1eddng, l\u00e0m vi\u1ec7c l\u00e2u h\u01a1n v\u00e0 tr\u00ec ho\u00e3n ngh\u1ec9 h\u01b0u.<\/p>\n\n\n\n

\u00d4ng Atul Tandon, T\u1ed5ng gi\u00e1m \u0111\u1ed1c AstraZeneca Vietnam, \u0111\u00e1nh gi\u00e1 Vi\u1ec7t Nam \u0111\u1ea1t th\u00e0nh t\u1ef1u b\u1ea3o hi\u1ec3m y t\u1ebf g\u1ea7n nh\u01b0 ph\u1ed5 qu\u00e1t, nh\u01b0ng v\u1eabn c\u00f2n kho\u1ea3ng 40% chi ti\u00eau y t\u1ebf l\u00e0 t\u1ef1 tr\u1ea3. Do \u0111\u00f3, Vi\u1ec7t Nam c\u1ea7n th\u00eam h\u1ee3p t\u00e1c gi\u1eefa c\u00f4ng ty d\u01b0\u1ee3c ph\u1ea9m (vai tr\u00f2 \u0111i\u1ec1u ph\u1ed1i), b\u1ec7nh vi\u1ec7n (hi\u1ec3u h\u00e0nh tr\u00ecnh c\u1ee7a b\u1ec7nh nh\u00e2n), v\u00e0 b\u1ea3o hi\u1ec3m (cung c\u1ea5p gi\u1ea3i ph\u00e1p) \u0111\u1ec3 gi\u00fap b\u1edbt g\u00e1nh n\u1eb7ng n\u00e0y.<\/p>\n\n\n\n

V\u1ec1 v\u1ed1n nh\u00e2n l\u1ef1c, c\u1ea3 b\u1ea3o hi\u1ec3m y t\u1ebf v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd gi\u00fap c\u1ea3i thi\u1ec7n s\u1ee9c kh\u1ecfe v\u00e0 an to\u00e0n t\u00e0i ch\u00ednh, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n ng\u01b0\u1eddi d\u00e2n h\u1ecdc t\u1eadp, n\u00e2ng cao k\u1ef9 n\u0103ng v\u00e0 ph\u00e1t tri\u1ec3n ngh\u1ec1 nghi\u1ec7p, t\u1eeb \u0111\u00f3 n\u00e2ng n\u0103ng su\u1ea5t v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng ngu\u1ed3n lao \u0111\u1ed9ng.<\/p>\n\n\n\n

V\u1edbi t\u00edch l\u0169y v\u1ed1n, b\u1ea3o hi\u1ec3m \u2013 \u0111\u1eb7c bi\u1ec7t b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u2013 huy \u0111\u1ed9ng ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea9y v\u1ed1n v\u00e0o \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, h\u1ed7 tr\u1ee3 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh v\u00e0 th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng. T\u00ednh \u0111\u1ebfn 2024, c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0 tr\u1edf l\u1ea1i n\u1ec1n kinh t\u1ebf 868.000 t\u1ef7 \u0111\u1ed3ng, theo \u00f4ng D\u0169ng. Chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u0111\u1eb7t m\u1ee5c ti\u00eau \u0111\u1ebfn 2030 l\u00e0 \u0111\u1ea1t 18% d\u00e2n s\u1ed1 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 3-3,5% GDP.<\/p>\n\n\n\n

\u0110\u1ec3 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m ph\u00e1t tri\u1ec3n, \u00f4ng Steven khuy\u1ebfn ngh\u1ecb c\u1ee7ng c\u1ed1 ni\u1ec1m tin kh\u00e1ch h\u00e0ng \u1edf 2 y\u1ebfu t\u1ed1: minh b\u1ea1ch th\u00f4ng tin gi\u00fap h\u1ecd hi\u1ec3u r\u00f5 quy\u1ec1n l\u1ee3i, \u0111i\u1ec1u g\u00ec \u0111\u01b0\u1ee3c chi tr\u1ea3 v\u00e0 kh\u00f4ng; minh b\u1ea1ch chi ph\u00ed \u2013 quy tr\u00ecnh, t\u1ee9c s\u1ea3n ph\u1ea9m v\u00e0 th\u1ee7 t\u1ee5c ph\u1ea3i r\u00f5 r\u00e0ng, d\u1ec5 theo d\u00f5i. Theo \u00f4ng, \u1ee9ng d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) l\u00e0 m\u1ed9t trong c\u00e1c gi\u1ea3i ph\u00e1p.<\/p>\n\n\n\n

\u00d4ng D\u0169ng k\u00eau g\u1ecdi x\u00e2y d\u1ef1ng c\u01a1 s\u1edf d\u1eef li\u1ec7u d\u00f9ng chung, c\u00f3 k\u1ebft n\u1ed1i v\u1edbi c\u00e1c ng\u00e0nh kh\u00e1c (y t\u1ebf, giao th\u00f4ng) do B\u1ed9 T\u00e0i ch\u00ednh qu\u1ea3n l\u00fd. Doanh nghi\u1ec7p c\u1ea7n ti\u1ebfp c\u1eadn s\u1eed d\u1ee5ng c\u01a1 s\u1edf d\u1eef li\u1ec7u n\u00e0y \u0111\u1ec3 \u0111\u1ecbnh ph\u00ed, thi\u1ebft k\u1ebf s\u1ea3n ph\u1ea9m v\u00e0 ch\u1ed1ng gian l\u1eadn; \u0111\u1ed3ng th\u1eddi c\u1ea7n c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m (sandbox) gi\u00fap ph\u00e1t tri\u1ec3n nhanh c\u00e1c s\u1ea3n ph\u1ea9m nh\u1ecf, \u0111\u01a1n gi\u1ea3n.<\/p>\n\n\n\n

\u0110\u1ec3 t\u0103ng \u0111\u00f3ng g\u00f3p v\u00e0o n\u1ec1n kinh t\u1ebf, c\u1ea7n nhi\u1ec1u h\u1ee3p t\u00e1c c\u00f4ng t\u01b0 (PPP) h\u01a1n, nh\u01b0 c\u01a1 ch\u1ebf \u01b0u \u0111\u00e3i cho c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu xanh v\u00e0 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c th\u00f9 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (15-30 n\u0103m).<\/p>\n\n\n\n

Hay v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m kh\u00f3 th\u01b0\u01a1ng m\u1ea1i h\u00f3a t\u1eeb \u0111\u1ea7u (b\u1ea3o hi\u1ec3m n\u00f4ng nghi\u1ec7p, thi\u00ean tai), Nh\u00e0 n\u01b0\u1edbc n\u00ean t\u1ea1o ra qu\u1ef9 \u0111\u1ec3 t\u00e0i tr\u1ee3\/h\u1ed7 tr\u1ee3 m\u1ed9t ph\u1ea7n chi ph\u00ed r\u1ee7i ro ban \u0111\u1ea7u \u0111\u1ec3 doanh nghi\u1ec7p m\u1ea1nh d\u1ea1ng tham gia cung \u1ee9ng.<\/p>\n\n\n\n

Vi\u1ec5n Th\u00f4ng<\/strong><\/p>\n\n\n\n

Ngu\u1ed3n: https:\/\/vnexpress.net\/quy-mo-thi-truong-bao-hiem-viet-nam-khoang-3-gdp-4960749.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Quy m\u00f4 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m m\u1edbi kho\u1ea3ng 3% GDP, th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3 trung b\u00ecnh to\u00e0n c\u1ea7u, cho th\u1ea5y c\u01a1 h\u1ed9i m\u1edf r\u1ed9ng v\u00e0 \u0111\u00f3ng g\u00f3p v\u00e0o t\u0103ng tr\u01b0\u1edfng. \u0110\u00e2y l\u00e0 k\u1ebft qu\u1ea3 nghi\u00ean c\u1ee9u t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i v\u00e0 kinh t\u1ebf c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i ASEAN do Prudential n\u00eau t\u1ea1i phi\u00ean chuy\u00ean […]<\/p>\n","protected":false},"featured_media":14050,"template":"","article_category":[14],"class_list":["post-14048","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\/14048","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\/14050"}],"wp:attachment":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/media?parent=14048"}],"wp:term":[{"taxonomy":"article_category","embeddable":true,"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article_category?post=14048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}