TH TNG CHNH PH CNG HA X HI CH NGHA VIT NAM

------- c lp - T do - Hnh phc

S: 193/Q-TTg ---------------
H Ni, ngy 15 thng 02 nm 2012

QUYT NH
V CHIN LC PHT TRIN TH TRNG BO HIM VIT NAM GIAI ON
2011-2020
--------------
TH TNG CHNH PH

Cn c Lut T chc Chnh ph ngy 25 thng 12 nm 2001;

Cn c Ngh nh s 118/2008/N-CP ngy 27 thng 11 nm 2008 ca Chnh ph quy nh chc
nng, nhim v, quyn hn v c cu t chc ca B Ti chnh;
Xt ngh ca B trng B Ti chnh ti T trnh s 110/TTr-BTC ngy 31 thng 10 nm
2011,

QUYT NH:

iu 1. Chin lc pht trin th trng bo him Vit Nam giai on 2011-2020 (sau y gi tt
l Chin lc) bao gm nhng ni dung ch yu sau y:

I. MC TIU CA CHIN LC
1. Mc tiu tng qut
Pht trin th trng bo him ph hp vi nh hng pht trin nn kinh t - x hi v ti chnh
quc gia trong tng thi k; bo m thc hin cc cam kt quc t m Vit Nam l thnh vin.
Tng cng tnh an ton, bn vng v hiu qu ca th trng v kh nng p ng nhu cu bo
him a dng ca cc t chc, c nhn; gp phn n nh nn kinh t v bo m an sinh x hi.
Tip cn cc chun mc, thng l quc t v kinh doanh bo him v tng bc thu hp khong
cch pht trin vi cc quc gia trong khu vc.
2. Mc tiu c th
a) Xy dng h thng c ch, chnh sch v kinh doanh bo him y , minh bch, bnh ng
v ng b, to thun li cho s pht trin ca th trng, bo m thc hin cc ngha v cam
kt quc t ca Vit Nam.
b) Nng cao tnh an ton h thng, hiu qu hot ng v nng lc cnh tranh ca cc doanh
nghip bo him. Pht trin cc doanh nghip bo him c nng lc ti chnh vng mnh, nng
lc qun tr iu hnh t chun mc quc t, hot ng hiu qu, c kh nng cnh tranh tch
cc trn th trng trong nc v khu vc.
c) Khuyn khch v h tr cc doanh nghip a dng ha sn phm bo him, bo m p ng
nhu cu bo him a dng ca cc t chc v c nhn. To thun li cho cc t chc, c nhn,
c bit l cc i tng c thu nhp thp c tham gia bo him.
d) a dng v chuyn nghip ha cc knh phn phi bo him, to cu ni hiu qu gia cc
doanh nghip bo him v khch hng.
) T chc cng tc qun l, gim st th trng chuyn nghip, hin i v hiu qu; pht huy
mnh m vai tr thnh vin ca c quan qun l nh nc v kinh doanh bo him ti Din n
cc c quan qun l bo him ng Nam v Hip hi quc t ca cc c quan qun l bo
him; tng bc tun th cc chun mc qun l, gim st bo him do Hip hi quc t ca cc
c quan qun l bo him ban hnh.

II. MT S CH TIU C TH V L TRNH THC HIN

1. Tng doanh thu ngnh bo him n nm 2015 t 2% - 3% GDP v n nm 2020 t 3% -
4% GDP.
2. Quy m cc qu d phng nghip v bo him nhm p ng ngha v chi bi thng v tr
tin bo him cho khch hng n nm 2015 tng gp 2 ln v n nm 2020 tng gp 4,5 ln so
vi nm 2010.
3. Tng ngun vn huy ng cho nn kinh t ca cc doanh nghip bo him n nm 2015 tng
gp 1,7 ln so vi nm 2010; n nm 2020 tng gp 3,5 ln so vi nm 2010, tng ng 3 -
4% GDP.
4. ng gp vo ngn sch nh nc ca ngnh bo him n nm 2015 tng gp 2 ln v n
nm 2020 tng gp 4 ln so vi nm 2010.
5. C quan qun l nh nc v kinh doanh bo him phn u n nm 2015 tun th hon ton
50% cc nguyn tc qun l, gim st bo him do Hip hi cc nh qun l bo him quc t
ban hnh; n nm 2020 s tun th hon ton cc nguyn tc qun l, gim st bo him do
Hip hi cc nh qun l bo him quc t ban hnh.

III. CC GII PHP C BN

1. Hon thin h thng php lut trong lnh vc kinh doanh bo him
a) T nay n nm 2015:
Sa i, b sung, thay th hoc ban hnh mi cc vn bn php lut hng dn Lut Kinh doanh
bo him s 24/2000/QH10 v Lut sa i, b sung mt s iu ca Lut Kinh doanh bo him
s 61/2010/QH12, nhm n gin ha v gim bt th tc hnh chnh; ph hp vi tnh hnh
pht trin ca th trng bo him v cc chun mc qun l, gim st bo him quc t; bo
m cng khai, minh bch, bnh ng cho cc ch th tham gia th trng v ngha v thc hin
cc cam kt quc t ca Vit Nam trong lnh vc kinh doanh bo him.
Sa i cc quy nh chng cho gia h thng vn bn php lut v kinh doanh bo him v cc
vn bn php lut khc, bo m tnh ng b, nht qun gia cc vn bn quy phm php lut.
Nghin cu sa i, b sung cc chnh sch v thu hin hnh nhm h tr pht trin th
trng bo him; tp trung vo cc chnh sch khuyn khch sn phm bo him phc v mc
tiu pht trin kinh t v an sinh x hi nh bo him nng nghip, lm nghip v ng nghip,
bo him cho ngi ngho.
b) Giai on 2016-2020:
Sa Lut Kinh doanh bo him s 24/2000/QH10 v Lut sa i, b sung mt s iu ca Lut
Kinh doanh bo him s 61/2000/QH12 mt cch tng th cng cc vn bn hng dn thi hnh
theo hng h thng vn bn php lut mi s c phm vi iu chnh rng hn v ng b hn
hot ng kinh doanh bo him trong mi lin kt vi cc mng th trng dch v ti chnh.
2. Nng cao tnh an ton h thng, hiu qu hot ng v nng lc cnh tranh ca cc doanh
nghip bo him
a) T nay n nm 2015:
Ti c cu cc doanh nghip bo him theo hng kin ton m hnh t chc hot ng ca cc
doanh nghip hot ng yu km, khng hiu qu; tng bc nng cao cht lng cng tc qun
tr doanh nghip bo him theo chun mc v thng l quc t.
Phi hp vi cc c quan qun l dch v ti chnh khc to lp cng c u t ti chnh di hn
cho cc doanh nghip bo him v qun l, gim st cc doanh nghip bo him trc thuc cc
tp on ti chnh - ngn hng.
Xa b hin tng khp kn, chia ct th trng bo him: Hon thin cc quy nh bo m s
cng khai, minh bch v bnh ng trong vic cung cp dch v bo him gia cc doanh nghip
bo him chuyn ngnh v cc doanh nghip bo him khc; tun th cc nguyn tc v u thu
v cnh tranh trong lnh vc bo him; gim st v x l nghim cc biu hin can thip hnh
chnh trong vic giao kt hp ng bo him; a dng ha s hu v tip tc gim t l gp vn
ca cc Tp on, Tng cng ty nh nc trong cc doanh nghip bo him chuyn ngnh nhm
phng nga biu hin khp kn, c quyn trong hot ng kinh doanh bo him.
nh gi ton din, phn loi cht lng ngun nhn lc ca th trng bo him; lm r tiu
chun, iu kin ca tng v tr; ban hnh cc quy nh nhm chun ha cht lng ngun nhn
lc; tng cng cng tc o to p ng tiu chun t ra.
b) Giai on 2016 - 2020: Xy dng c ch, chnh sch nhm tng cng nng lc qun tr v
hot ng ca cc doanh nghip bo him trn 3 yu cu ch yu: an ton vn, qun tr ri ro v
minh bch ha thng tin, bao gm:
Ban hnh cc quy nh cht ch v vn php nh v cc mc an ton kh nng thanh ton
ca doanh nghip bo him.
Ban hnh cc quy nh v qun l ri ro ca doanh nghip bo him, bao gm cc quy trnh qun
tr ri ro, vai tr v trch nhim ca doanh nghip bo him, h thng thng tin v bo co phc
v cng tc qun l.
Ban hnh quy nh cht ch v cng khai v minh bch ha thng tin ca doanh nghip bo
him, bao gm tn sut cng khai, cc loi thng tin cng khai, mc chi tit ha ca thng tin
cng khai.
3. Khuyn khch, h tr cc doanh nghip pht trin v a dng ha sn phm bo him
a) T nay n nm 2015:
Chun ha iu kin v quy trnh ph chun sn phm, c bit l cc sn phm bo him lin
kt u t nhm tng tnh hp dn v kh nng cnh tranh ca cc sn phm ny so vi sn phm
ti chnh thay th khc.
Tng kt, nh gi vic thc hin cc chng trnh th im cc loi hnh bo him c Nh
nc h tr (bo him nng nghip, bo him tn dng xut khu), trn c s xut cc gii
php tip theo cho ph hp vi thc t.
R sot, sa i, b sung cc ch bo him bt buc theo quy nh ca Lut Kinh doanh bo
him (bo him bt buc trch nhim dn s ca ch xe c gii, bo him chy n bt buc) cho
ph hp vi iu kin v thc tin pht trin kinh t.
b) Giai on 2016 - 2020:
Nghin cu ban hnh cc ch bo him bt buc mi phc v mc tiu an sinh x hi; chnh
sch h tr ngi c thu nhp thp tham gia bo him; h tr pht trin cc nhm sn phm v
mc ch cng ng v an sinh x hi; xy dng c ch phi hp cung cp dch v gia cc
doanh nghip bo him i vi cc loi hnh bo him c th (nh bo him nng lng nguyn
t).
4. a dng v chuyn nghip ha cc knh phn phi bo him
a) T nay n nm 2015:
Xy dng cc quy nh nhm chun ha cht lng ngun nhn lc ca doanh nghip mi gii
bo him; chun ha chng trnh o to v chng ch mi gii ph hp vi c th ca loi
hnh sn phm bo him c thu xp qua mi gii. Nghin cu ban hnh quy nh v bo him
bt buc trch nhim ngh nghip mi gii bo him.
Cng c h thng i l bo him thng qua kim sot cht ch vic thi cp chng ch o to;
xy dng v p dng cc chng trnh o to v chng ch i l theo tnh phc tp ca loi
hnh sn phm m i l c t vn cho khch hng.
b) Giai on 2016 - 2020
Nghin cu, ban hnh cc chnh sch khuyn khch pht trin cc knh phn phi khc ph hp
vi thng l quc t v iu kin thc tin ca Vit Nam nh knh phn phi bo him qua ngn
hng, internet,
5. Tng cng hiu qu qun l ca nh nc v kinh doanh bo him
a) Giai on 2011 - 2015
Tng cng cng tc thanh tra, kim tra, x l vi phm theo php lut.
Nghin cu sa i, b sung h thng ch tiu gim st doanh nghip bo him ph hp vi cc
chun mc qun l, gim st bo him quc t v c im ca th trng bo him Vit Nam;
Pht trin ngun nhn lc cho c quan qun l nh nc v kinh doanh bo him, lm r chc
nng nhim v ca tng v tr, trn c s b tr lc lng cn b qun l, gim st tng ng
vi s lng doanh nghip kinh doanh bo him. Xy dng c ch thu ht cn b, chuyn gia c
trnh v kinh nghim thc tin lm vic trong c quan nh nc v kinh doanh bo him, c
bit l cc chuyn gia lm vic trong cc lnh vc c th nh chuyn gia tnh ton bo him.
b) Giai on 2016 - 2020
Tng cng phng thc qun l, gim st thng qua cc ch tiu v hot ng ca doanh
nghip, xy dng h thng phn tch t ng h tr cng tc phn tch, nh gi v cnh bo
sm nguy c ca doanh nghip bo him.
Hin i ha c s h tng, h thng cng ngh thng tin p ng yu cu hot ng qun l,
gim st. Xy dng v trin khai h thng cng ngh thng tin kt ni gia c quan qun l nh
nc v kinh doanh bo him vi cc doanh nghip bo him v doanh nghip mi gii bo
him, bao gm c cc phn mm qun l, gim st chuyn nghip v website ca c quan qun
l nh nc v kinh doanh bo him. Xy dng h thng c s d liu thng k chung cho th
trng bo him, trong tp trung vo cc sn phm bo him mang tnh cng ng nh bo
him trch nhim dn s ca ch xe c gii,
6. y mnh hp tc quc t v hi nhp trong lnh vc bo him
a) Xy dng l trnh hi nhp trong lnh vc kinh doanh bo him, trn c s xc nh mc
tiu, nguyn tc nh hng v gii php hi nhp WTO, ASEAN v cc Hip nh thng mi
song phng.
b) Ch ng, tch cc tham gia Din n cc c quan qun l bo him ng Nam v Hip
hi quc t ca cc c quan qun l bo him; xy dng c ch chnh sch v chun b c s vt
cht nhm thc hin ton b cc chun mc qun l gim st m Hip hi quc t ca cc c
quan qun l bo him ra, ng thi tranh th s h tr, hp tc song phng gia cc c
quan qun l bo him thng qua chng trnh hp tc, bin bn ghi nh, o to cn b, hi
tho nghip v.
c) Khuyn khch cc doanh nghip bo him tip tc nghin cu u t ra cc th trng bo
him nc ngoi m rng c hi kinh doanh, trong tp trung vo cc a bn c tim nng
v thun li trn nguyn tc hiu qu.

iu 2. Trch nhim ca cc B, ngnh v cc c quan lin quan trong t chc thc hin Chin
lc
1. B trng B Ti chnh ch tr, phi hp vi cc B, c quan ngang B, c quan thuc Chnh
ph, y ban nhn dn cc tnh, thnh ph trc thuc Trung ng t chc trin khai thc hin
Quyt nh ny.
2. Cc B, c quan ngang B, c quan thuc Chnh ph, y ban nhn dn cc tnh, thnh ph
trc thuc Trung ng c trch nhim phi hp vi B Ti chnh thc hin Quyt nh ny, bo
m tnh thng nht, ng b phc v vic thc hin k hoch pht trin kinh t - x hi ca
ngnh v a phng.

iu 3. Quyt nh ny c hiu lc thi hnh k t ngy k ban hnh.

iu 4. Cc B trng, Th trng c quan ngang B, Th trng c quan thuc Chnh ph,

Ch tch y ban nhn dn cc tnh, thnh ph trc thuc Trung ng chu trch nhim thi hnh
Quyt nh ny./.

Ni nhn: TH TNG
- Ban B th Trung ng ng;
- y ban Thng v Quc hi;
- Th tng, cc Ph Th tng Chnh ph;
- Cc B, c quan ngang B, c quan thuc Nguyn Tn Dng
Chnh ph;
- HND, UBND cc tnh, TP trc thuc TW;
- Vn phng Quc hi;
- Vn phng Ch tch nc;
- Vn phng Trung ng v cc Ban ca ng;
- Vin Kim st nhn dn ti cao;
- Ta n nhn dn ti cao;
- C quan Trung ng ca cc on th;
- VPCP: BTCN, cc PCN, Cng TTT, cc V,
Cc, n v trc thuc, Cng bo;
- Lu: Vn th, KTTH (5).