Sunday, March 1, 2009

The structure

The rating of insurers regularly is comprised on the basis of data of insurance supervision and it makes it possible to determine the leaders of market according to the sum of active memberships and according to a volume of the obtained insurance payments. Since the problems with the financial stability and the solvency recently in some insurers appeared, insurance supervision decided to supplement rating with two indices - being concerned security with cash resources and with investments, and balance profit (loss). The sum of financial active memberships in this case recounts on the course of national bank, which acted of the on January 1 analyzed year. By this means, since January 1, 1998 in the new rating the ranking of insurers is produced not according to the size of the overcharged financial active memberships, but on the sum of security with their cash resources and with investments.

At present on the insurance market of Belarus' acts a number of insurance organizations - legal persons and their self-contained structural subdivisions. With the participation of the foreign capital (Russian, Ukrainian, Moldavian, Polish, Belgian, Austrian, American, English, German) created operate 15 insurance organizations.

In the share of non-governmental organizations are fallen more than 70% sum total of the assembled payments, and in the portion of rest 48 - only about 30%, which indicates of their low business activity.

The structure of enterings appears as follows:

- 9% - life insurance, pensions, medical insurance and insurance against accidents;
- 68.5% - insurance of property;
- 18% - insurance of credits, owner's transactions, contributions, deposits;
- 4,5% - required insurance.

Expenditures for business as a whole in the republic (on all I see insurances) were 0,35 rubles to 1 ruble in the insurance enterings. This several below average normative level - 0,36 rubles - coordinated by insurers with the committee on supervision of the insurance activity.

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