XI međunarodni simpozijum „Tržište osiguranja i reosiguranje“ Vrnjačka Banja, Srbija
OKRUGLI STOL REOSIGURANJE - BosnaRe
Transcript of OKRUGLI STOL REOSIGURANJE - BosnaRe
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OKRUGLI STOL
REOSIGURANJE
Zlatan Filipović
Bosna reosiguranje d.d.
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Reosiguranje u svijetu u 2013.
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Kanada – poplave u Alberti
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Kanada – poplave u Torontu
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SAD – Tornado El Reno
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Kina – Požar u Wuxi
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Druga pogođena područja
• Australija – poplave u Queenslandu i New South walesu
• Kina – tajfun Fitow
• Tajvan – supertajfun Haiyan
• Europa – poplave u Njemačkoj, Češkoj, Slovačkoj, Austriji, Švicarskoj, Mađarskoj, Poljskoj
• Sj. Europa – oluje Christian i Xaver, Dirk, Erich
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Kapital reosiguranja
• 525 milijardi USD
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Stanje tržišta reosiguranja
• Stabilno
• Mala aktivnost u pogledu preuzimanja i spajanja (M&A)
• U regionu, najzanimljivija je bila aktivnost oko prodaje državnog kapitala u Croatia osiguranju d.d. Zagreb (Adris grupa – PZU)
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2014. u regiji do sada
Januar i februar 2014.
Žled / susnježica i ledena kiša u Sloveniji i Hrvatskoj
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Žled
Slovenija: Šteta 300 miliona EUR
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Ledena kiša
Hrvatska: Šteta 180 miliona EUR
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Zima 2014. u BiH
Zima 2014. u BiH neuobičajeno topla i suha
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2014. u regiji do sada
Maj 2014.
Neprekidne kiše 14., 15. i 16. maja 2014. su izazvale poplave i klizišta u BiH, Srbiji i
Hrvatskoj
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2014. u regiji do sada
Polje niskog pritiska Tamara (zovu ga i Donat)
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Države i gradovi pogođeni poplavom
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Doboj
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Maglaj
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Bosanski Šamac
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Obrenovac
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Obrenovac TENT
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Šabac
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Pogođena mjesta u Hrvatskoj
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Obim nesreće
• U BiH je poplavama bilo ugoženo oko 1 milion stanovnika, a u Srbiji preko 1 milion stanovnika
• U BiH evakuirno oko 69.000 stanovnika, u Srbiji 32.000 – uključujući cijeli Obrenovac
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Obim nesreće
• Srbija 33 poginule osobe
• BiH 23 poginule osobe
• Hrvatska 2 poginule osobe
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2014. u regiji do sada
Maj 2014.
Jaka kiša i poplave 25.05.2014. u Skopju
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Grad u Skopju
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Poplava u Skopju
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Procjena ekonomskih šteta
Procjena EBRD-a:
• Srbija ekonomska šteta 2 milijarde EUR
• BiH ekonomska šteta 1,3 milijarde EUR
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Šta za budućnost?
Kako osiguranje i reosiguranje
treba pristupiti poplavama i
drugim prirodnim opasnostima?
Treba li mijenjati proizvod (uvjete)?
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Šta za budućnost?
Objediniti poplavu, bujicu, izlijevanje vode iz vodovodnih i kanalizacionih cijevi, podzemne
vode, u zajedničko pokriće?
Uvesti to kao osnovnu opasnost uz požar uz primjerenu premiju?
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Šta za budućnost?
Uloga države?
Obaveznost osiguranja?
Prvi rizik?
Franšize?
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Šta za budućnost?
Hoće li FBiH i nadalje oporezovati tuđu nesreću kroz oporezivanje tehničkih rezervi?
Treba li država imati aktivnu ulogu
kao nositelj rizika?
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Šta za budućnost?
Pool?
Limiti po događaju?
Zajednički pristup izradi modela?
Procjena šteta kod ovakvih masovnih događaja?
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OKRUGLI STOL
REOSIGURANJE
DISKUSIJA