人寿保险行业：度过动荡的一年

人寿保险行业：应对动荡的一年

251 月2024

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越南的保险市场，尤其是人寿保险行业，在2023年经历了危机。它不仅面临整体经济衰退，保险行业还遭遇了传播危机和客户信任流失。这进一步加剧了对整个行业的重大影响。尽管如此，保险行业已逐步克服这些挑战，并通过重组提升服务质量。.

自1999年放开管制以来，越南人寿保险市场持续稳步扩张，即使在金融危机期间也是如此。此前，Bao Viet（https://www.baoviet.com.vn/insurance/ ）作为唯一的保险公司占据市场主导地位。随着外资进入，市场规模不断扩大，2005年已有8家保险公司，截至2023年5月，越南共有19家人寿保险公司

Reflecting on the economic crisis in 2013, the overall insurance market continued to grow by 14% (with non-life insurance increasing by 7% and life insurance surging by 23%). However, as of November 2023, the non-life insurance market has shown a modest 2% growth, while life insurance has experienced a decline of 11.6%. However, after 10 years, the scale of the insurance market in Vietnam has significantly expanded, with life insurance revenue increasing more than 6 times. the entire insurance industry has reinvested in the economy, reaching an estimated 757.652 trillion VND, representing an approximate 13% increase compared to the same period last year.[2]

Examining the first 6 months of 2023, the number of new issued policies in the first 6 months of 2023 reached 1,028,402 contracts (main products), a decrease of 31.3% and the total insurance premium revenue for the entire market is estimated at 77.831 trillion VND, a decrease of 7.9% compared to the same period last year. The decline in the number of new policies and life insurance premium revenue across the entire market is a consequence of the distrust stemming from the recent crisis. Many customers have raised complaints due to incidents related to savings deposits and investments being transformed into insurance contracts or credit loans, and they have been coerced into purchasing life insurance through various tactics[3].

Bao Viet continues to maintain its leading market position in the life insurance sector with a market share of 20.1%. However, closely following are two entities with relatively close market shares, namely Manulife (17.2%) and Prudential (16.5%), next are Dai-ichi (12,5%) and AIA (10.1%). Following the top 5 are 14 companies, collectively sharing a total market share of 23.1%.

在一定程度上，政府领导层的介入有助于稳定保险市场。财政部也已向政府提交了多项用于规范、监督和检查保险行业经营活动的法律，例如第08/2022/QH15号《保险业务法》及相关法令，如第46/2023/NĐ-CP号法令、第67/2023/NĐ-CP号法令

2024年仍被预测为整体经济，尤其是保险行业，充满挑战的一年。然而，这也为人寿保险公司提供了在深度和广度上发展的机会，提升其在市场中生存的竞争能力。这是市场推动健康高效市场发展的过程[5]. 。目前，越南人口正在快速老龄化，这使得市场对适合老年人的保险产品产生需求。该群体有保险需求和保险意识，但目前他们参与保险仍较为困难[6]. 。保险公司应为糖尿病、高胆固醇、高血压等有相关健康状况的客户提供专门产品，并扩大核保范围。此外，还应延伸特殊保险方案，以满足残障人士或心理健康问题人群的需求。目前，已有既往病史的人士由于相关风险较高，难以获得保险产品。根据保险监管规定，这类申请通常会被保险公司拒绝。.

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