{"id":68633,"date":"2023-02-26T08:31:29","date_gmt":"2023-02-26T08:31:29","guid":{"rendered":"https:\/\/www.shqiperia.com\/blog\/?p=68633"},"modified":"2023-02-26T08:31:29","modified_gmt":"2023-02-26T08:31:29","slug":"vend-me-aktivitet-te-larte-sizmik-dhe-shpeshtesi-te-katastrofave-natyrore-termeti-rreziku-i-harruar-shpejt-ne-shqiperi","status":"publish","type":"post","link":"https:\/\/www.shqiperia.com\/blog\/vend-me-aktivitet-te-larte-sizmik-dhe-shpeshtesi-te-katastrofave-natyrore-termeti-rreziku-i-harruar-shpejt-ne-shqiperi\/","title":{"rendered":"\u2018Vend me aktivitet t\u00eb lart\u00eb sizmik dhe shpesht\u00ebsi t\u00eb katastrofave natyrore\u2019. – T\u00ebrmeti, rreziku i harruar shpejt n\u00eb Shqip\u00ebri"},"content":{"rendered":"

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26 Shkurt 2023<\/p>\n

Kan\u00eb kaluar vet\u00ebm tre vjet nga t\u00ebrmeti i n\u00ebntorit 2019, por duket se t\u00eb gjith\u00eb e kan\u00eb harruar shpejt rrezikun. Sigurimet vullnetare nga fatkeq\u00ebsit\u00eb natyrore ngelen n\u00eb nivele shum\u00eb t\u00eb ul\u00ebta, nd\u00ebrsa projekti i ngritjes s\u00eb nj\u00eb skeme t\u00eb sigurimit nga katastrofat dergjet n\u00eb sirtar\u00ebt e qeveris\u00eb. N\u00eb rast t\u00eb nj\u00eb ngjarje t\u00eb ngjashme me t\u00ebrmetin e vitit 2019, buxheti i shtetit dhe ekonomit\u00eb familjare do t\u00eb ishin t\u00eb ekspozuara ndaj rreziqeve t\u00eb m\u00ebdha T\u00ebrmetet e forta t\u00eb dat\u00ebs 6 shkurt n\u00eb Turqi soll\u00ebn p\u00ebr shqiptar\u00ebt kujtimet e hidhura t\u00eb n\u00ebntorit 2019, kur nj\u00eb t\u00ebrmet i fort\u00eb me epiqend\u00ebr pran\u00eb Durr\u00ebsit shkaktoi 51 viktima, shum\u00eb t\u00eb plagosur dhe d\u00ebme t\u00eb m\u00ebdha n\u00eb nd\u00ebrtesa.<\/p>\n

Si nj\u00eb vend me aktivitet t\u00eb lart\u00eb sizmik, Shqip\u00ebria mbetet vazhdimisht e rrezikuar nga t\u00ebrmetet, p\u00ebrve\u00e7se nga katastrofat e tjera natyrore dhe sidomos, p\u00ebrmbytjet. Sipas vler\u00ebsime t\u00eb FMN, Shqip\u00ebria ka nj\u00eb shpesht\u00ebsi t\u00eb katastrofave natyrore prej 0.8 n\u00eb vit, nd\u00ebrsa kostoja mesatare dhe mediane p\u00ebr secil\u00ebn ngjarje vler\u00ebsohet p\u00ebrkat\u00ebsisht sa 0.6% dhe 1.3% t\u00eb Prodhimit t\u00eb Brendsh\u00ebm Bruto. Besohej se t\u00ebrmeti i vitit 2019 do t\u00eb sillte reflektim lidhur me m\u00ebnyr\u00ebn se si do t\u00eb administrohej rreziku ekonomik nga katastrofat natyrore. Fatura e d\u00ebmeve nga t\u00ebrmeti i vitit 2019 u vler\u00ebsua n\u00eb m\u00eb shum\u00eb se 1 miliard euro dhe n\u00eb pjes\u00ebn d\u00ebrrmuese, k\u00ebto d\u00ebme u mbuluan nga programi i rind\u00ebrtimit, financuar nga buxheti i shtetit dhe donator\u00eb t\u00eb ndrysh\u00ebm.<\/p>\n

Por, as shteti dhe as qytetar\u00ebt duket se nuk kan\u00eb m\u00ebsuar shum\u00eb nga m\u00ebsimi i hidhur i t\u00ebrmetit t\u00eb 2019, p\u00ebr nevoj\u00ebn e minimizimit t\u00eb rrezikut financiar nga fatkeq\u00ebsit\u00eb natyrore.<\/p>\n

Vet\u00ebm 7% e familjeve t\u00eb siguruara<\/strong><\/p>\n

Sipas vler\u00ebsimeve nga tregu, kompanit\u00eb e sigurimeve paguan rreth 40 milion\u00eb euro d\u00ebme t\u00eb lidhura me t\u00ebrmetin e vitit 2019. Kjo shif\u00ebr reflekton shkall\u00ebn e ul\u00ebt t\u00eb sigurimit ndaj fatkeq\u00ebsive natyrore n\u00eb Shqip\u00ebri. Gj\u00ebrat nuk kan\u00eb ndryshuar shum\u00eb q\u00eb at\u00ebher\u00eb. T\u00eb dh\u00ebnat e Autoritetit t\u00eb Mbik\u00ebqyrjes Financiare (AMF) tregojn\u00eb se p\u00ebr vitin 2022, primet e shkruara bruto p\u00ebr sigurimin e pronave nga katastrofat kishin vler\u00ebn e 1.82 miliard\u00eb lek\u00ebve, ose m\u00eb pak se 16 milion\u00eb euro. Shpenzimi mesatar p\u00ebr frym\u00eb p\u00ebr sigurimin e pron\u00ebs nga fatkeq\u00ebsit\u00eb natyrore vler\u00ebsohet n\u00eb m\u00eb pak se 6 euro p\u00ebr frym\u00eb, ose m\u00eb pak se 21 euro p\u00ebr familje.<\/p>\n

N\u00eb pjes\u00ebn d\u00ebrrmuese, kontratat jan\u00eb t\u00eb lidhura me detyrimin e vendosur nga bankat tregtare p\u00ebr sigurimin e pronave t\u00eb l\u00ebna si kolateral dhe me sigurimet n\u00eb segmentin e biznesit. INSTAT e vler\u00ebson numrin e p\u00ebrgjithsh\u00ebm t\u00eb familjeve n\u00eb Shqip\u00ebri rreth 765 mij\u00eb, nd\u00ebrsa lidhur me numrin e banesave, t\u00eb dh\u00ebnat m\u00eb t\u00eb fundit jan\u00eb ato t\u00eb Censit 2011, kur u regjistruan rreth 1.075 milion\u00eb banesa. Megjith\u00ebse tendencat demografike kan\u00eb nj\u00eb prirje t\u00eb qart\u00eb r\u00ebn\u00ebse q\u00eb nga Censi i fundit, numri i banesave vler\u00ebsohet t\u00eb ket\u00eb sh\u00ebnuar rritje t\u00eb ndjeshme, sidomos pas bumit t\u00eb nd\u00ebrtimit t\u00eb viteve t\u00eb fundit, i p\u00ebrqendruar kryesisht n\u00eb kryeqytet dhe n\u00eb zonat bregdetare. Sipas statistikave t\u00eb AMF, numri total i kontratave t\u00eb sigurimit p\u00ebr d\u00ebmet n\u00eb pron\u00eb (jo vet\u00ebm p\u00ebr sigurimin nga katastrofat) arriti n\u00eb 54 mij\u00eb. Pa marr\u00eb parasysh q\u00eb nj\u00eb pjes\u00eb e mir\u00eb e kontratave u takojn\u00eb bizneseve, mund t\u00eb vler\u00ebsohet se aktualisht, sigurimi i pron\u00ebs mbulon vet\u00ebm 7% t\u00eb familjeve, ose 5% t\u00eb banesave. Nj\u00eb element tjet\u00ebr q\u00eb i shton rreziqet \u00ebsht\u00eb fakti se n\u00eb p\u00ebrgjith\u00ebsi, limitet e d\u00ebmshp\u00ebrblimit t\u00eb siguruar shkojn\u00eb deri n\u00eb vler\u00ebn e kredis\u00eb ndaj bank\u00ebs, por nuk mbulojn\u00eb vler\u00ebn e plot\u00eb t\u00eb pron\u00ebs. Mungesa e nj\u00eb mbulimi dometh\u00ebn\u00ebs me sigurime mbi baza vullnetare potencialisht rrit var\u00ebsin\u00eb e publikut nga mb\u00ebshtetja shtet\u00ebrore, n\u00eb rast t\u00eb ndodhjes s\u00eb katastrofave, nj\u00eblloj si\u00e7 ndodhi n\u00eb vitin 2019.<\/p>\n

Sigurimi nga katastrofat nuk duket n\u00eb horizont<\/p>\n

T\u00ebrmeti i vitit 2019 shkundi p\u00ebrkoh\u00ebsisht edhe institucionet e vendit nga pasiviteti, i lidhur me nevoj\u00ebn e menaxhimit t\u00eb rrezikut nga katastrofat. N\u00eb fund t\u00eb atij viti, u b\u00eb i zbatuesh\u00ebm detyrimi ligjor (n\u00eb fakt, i parashikuar q\u00eb prej vitit 2014) p\u00ebr sigurimin e p\u00ebrgjegj\u00ebsis\u00eb s\u00eb nd\u00ebrtuesve. N\u00eb baz\u00eb t\u00eb kontrat\u00ebs s\u00eb sigurimit p\u00ebr p\u00ebrgjegj\u00ebsin\u00eb e nd\u00ebrtuesit, shoq\u00ebria e sigurimit merr p\u00ebrsip\u00ebr t\u00eb d\u00ebmshp\u00ebrblej\u00eb n\u00eb favor t\u00eb t\u00eb siguruarit d\u00ebmet e ndodhura drejtp\u00ebrdrejt n\u00eb nd\u00ebrtes\u00eb dhe d\u00ebmet ndaj t\u00eb tret\u00ebve, t\u00eb shkaktuara nga shembja t\u00ebr\u00ebsore, ose pjesore e nd\u00ebrtes\u00ebs, ose kur nd\u00ebrtesa paraqet rrezik t\u00eb duksh\u00ebm shembjeje, ose defekte t\u00eb tjera t\u00eb r\u00ebnda, q\u00eb ndodhin si pasoj\u00eb e problemeve t\u00eb lidhura me tok\u00ebn mbi t\u00eb cil\u00ebn \u00ebsht\u00eb kryer nd\u00ebrtimi, ose p\u00ebr shkak t\u00eb nj\u00eb apo disa defekteve t\u00eb nd\u00ebrtimit. Produkti nuk ofron mbrojtje n\u00eb rast t\u00eb d\u00ebmtimeve t\u00eb ndodhura nga fatkeq\u00ebsit\u00eb natyrore dhe ku nuk mund t\u00eb provohet p\u00ebrgjegj\u00ebsia e nd\u00ebrtuesit. Por, nisma m\u00eb e r\u00ebnd\u00ebsishme duhet t\u00eb ishte ligji p\u00ebr ngritjen e nj\u00eb skeme komb\u00ebtare t\u00eb sigurimit nga katastrofat, nj\u00eb \u00e7\u00ebshtje q\u00eb ka qen\u00eb prej vitesh objekt i rekomandimeve t\u00eb Bank\u00ebs Bot\u00ebrore. Modelet e skemave t\u00eb detyrueshme, ose me pjes\u00ebmarrje publike t\u00eb sigurimit t\u00eb fatkeq\u00ebsive, u takojn\u00eb kryesisht vendeve n\u00eb zhvillim q\u00eb jan\u00eb t\u00eb ekspozuara ndaj fatkeq\u00ebsive t\u00eb shpeshta natyrore. N\u00eb vendet e zhvilluara, k\u00ebto modele jan\u00eb m\u00eb t\u00eb rralla, kryesisht p\u00ebr shkak t\u00eb nj\u00eb niveli m\u00eb t\u00eb lart\u00eb zhvillimi t\u00eb tregut t\u00eb sigurimeve.<\/p>\n

Pas t\u00ebrmetit t\u00eb fort\u00eb t\u00eb muajit n\u00ebntor 2019, AMF p\u00ebrcolli n\u00eb qeveri nj\u00eb draft q\u00eb, n\u00eb fakt, n\u00eb vija t\u00eb p\u00ebrgjithshme ishte i p\u00ebrgatitur prej vitesh, me konsulenc\u00ebn e Programit t\u00eb Vler\u00ebsimit t\u00eb Sektorit Financiar (FSAP), t\u00eb Bank\u00ebs Bot\u00ebrore. Drafti n\u00eb fjal\u00eb parashikonte krijimin e nj\u00eb Agjencie t\u00eb Posa\u00e7me Shtet\u00ebrore p\u00ebr sigurimin nga t\u00ebrmetet. Kjo agjenci do t\u00eb vepronte, pak a shum\u00eb, si nj\u00eb kompani sigurimesh me objekt menaxhimin e nj\u00eb skeme t\u00eb detyrueshme komb\u00ebtare t\u00eb sigurimit t\u00eb banesave. Primi i sigurimit parashikohej n\u00eb intervalin mes 15 dhe 25 eurosh, nd\u00ebrsa limiti i p\u00ebrgjegj\u00ebsive q\u00eb do t\u00eb mbuloheshin, parashikohej deri n\u00eb shum\u00ebn e 25 mij\u00eb eurove.<\/p>\n

Megjithat\u00eb, sipas burimeve nga tregu, m\u00eb tej n\u00eb draftin e propozuar nga AMF u tentua t\u00eb p\u00ebrfshiheshin edhe rreziqe t\u00eb tjera nga katastrofat, si p\u00ebrmbytjet. Shtimi i rreziqeve t\u00eb mbuluara do t\u00eb sillte edhe rritjen e primit t\u00eb detyruesh\u00ebm dhe rrjedhimisht, shpenzimin e detyruesh\u00ebm p\u00ebr shqiptar\u00ebt. Rritja e barr\u00ebs e vendosi qeverin\u00eb p\u00ebrball\u00eb dilem\u00ebs p\u00ebr t\u2019u p\u00ebrballur me nj\u00eb kosto politike nga miratimi i ligjit dhe me kalimin e koh\u00ebs, projekti u la m\u00ebnjan\u00eb.<\/p>\n

I pyetur nga \u201cMonitor\u201d, AMF b\u00ebn t\u00eb ditur se nuk ka zhvillime t\u00eb reja q\u00eb p\u00ebrfshijn\u00eb k\u00ebt\u00eb institucion, lidhur me ngritjen e mundshme t\u00eb nj\u00eb skeme t\u00eb sigurimit nga katastrofat. Drafti i propozuar nga Banka Bot\u00ebrore mb\u00ebshtetej kryesisht n\u00eb modelin e Turqis\u00eb. N\u00eb vitin 2000 (pas t\u00ebrmetit shkat\u00ebrrimtar t\u00eb nj\u00eb viti m\u00eb par\u00eb), Turqia ngriti me asistenc\u00ebn e Bank\u00ebs Bot\u00ebrore nj\u00eb agjenci komb\u00ebtare t\u00eb sigurimit t\u00eb katastrofave, q\u00eb financohet n\u00ebp\u00ebrmjet sigurimit t\u00eb detyruesh\u00ebm t\u00eb nd\u00ebrtesave. Skema financohet me prime tregu, pa subvencione nga qeveria dhe ofron mbulim nga t\u00ebrmetet dhe zjarret. Mbulimi maksimal q\u00eb ofrohet \u00ebsht\u00eb af\u00ebrsisht 80 mij\u00eb USD, nd\u00ebrsa d\u00ebmet p\u00ebrtej k\u00ebsaj shume mund t\u00eb mbulohen vet\u00ebm me sigurimin vullnetar t\u00eb pron\u00ebs n\u00eb kompanit\u00eb private. Primi i sigurimit \u00ebsht\u00eb i ndryshuesh\u00ebm n\u00eb var\u00ebsi t\u00eb llojit t\u00eb nd\u00ebrtimit dhe nivelit t\u00eb riskut nga t\u00ebrmetet, i ndar\u00eb sipas zonave t\u00eb ve\u00e7anta t\u00eb vendit, por, n\u00eb vlera mesatare, \u00ebsht\u00eb af\u00ebrsisht 33 USD n\u00eb vit. Vende t\u00eb tjera, si p\u00ebr shembull n\u00eb Amerik\u00ebn Qendrore apo n\u00eb Afrik\u00eb, kan\u00eb nd\u00ebrtuar skema rajonale, q\u00eb financohen me kontribute buxhetore nga secili prej shteteve pjes\u00ebmarr\u00ebs, me ndihm\u00ebn edhe t\u00eb donator\u00ebve t\u00eb ndrysh\u00ebm.<\/p>\n

N\u00eb ekonomit\u00eb e zhvilluara, zakonisht sigurimi i pronave b\u00ebhet mbi baza vullnetare, edhe fal\u00eb ekzistenc\u00ebs s\u00eb nj\u00eb kulture sigurimesh. Megjithat\u00eb, n\u00eb disa raste, problem \u00ebsht\u00eb detyrimi i siguruesve p\u00ebr t\u00eb marr\u00eb n\u00eb sigurim pronat n\u00eb zonat me rrezik t\u00eb lart\u00eb. P\u00ebr t\u00eb zgjidhur k\u00ebt\u00eb problem, skemat publike ndjekin modelin e agjencive t\u00eb risigurimit, q\u00eb ndajn\u00eb rrezikun e katastrofave me tregun lokal t\u00eb sigurimeve. Nj\u00eb form\u00eb m\u00eb e sofistikuar e mbulimit t\u00eb d\u00ebmeve t\u00eb mundshme nga t\u00ebrmetet jan\u00eb obligacionet e katastrofave. K\u00ebto jan\u00eb tituj huamarrje me afat zakonisht deri n\u00eb tre vjet dhe norma interesi m\u00eb t\u00eb larta se obligacionet e zakonshme, q\u00eb mund t\u00eb emetohen nga kompanit\u00eb e sigurimeve, risigurimeve ose nga qeverit\u00eb, p\u00ebr t\u00eb mbuluar d\u00ebme eventuale nga fatkeq\u00ebsit\u00eb natyrore. Investitor\u00ebve iu paguhet rregullisht nj\u00eb kupon gjat\u00eb afatit t\u00eb obligacionit; por, n\u00eb rast t\u00eb ndodhjes s\u00eb nj\u00eb ngjarje sigurimi, at\u00ebher\u00eb emetuesi i obligacionit i p\u00ebrdor parat\u00eb p\u00ebr t\u00eb zhd\u00ebmtuar t\u00eb siguruarit dhe investitor\u00ebt humbasin prinicipalin dhe shum\u00ebn e mbetur t\u00eb interesit.<\/p>\n

Rrjedhimisht, k\u00ebto vler\u00ebsohen si investime me rrezik t\u00eb lart\u00eb, me rating BB e posht\u00eb. Megjithat\u00eb, k\u00ebto instrumente ofrojn\u00eb kthime relativisht t\u00eb larta dhe nuk ndikohen shum\u00eb nga koniunkturat e ekonomis\u00eb dhe tregjeve, p\u00ebrderisa risku \u00ebsht\u00eb i lidhur vet\u00ebm me ngjarje natyrore.<\/p>\n

Projekti pezull<\/p>\n

I pyetur nga \u201cMonitor\u201d, AMF b\u00ebn t\u00eb ditur se nuk ka zhvillime t\u00eb reja q\u00eb p\u00ebrfshijn\u00eb k\u00ebt\u00eb institucion, lidhur me ngritjen e mundshme t\u00eb nj\u00eb skeme t\u00eb sigurimit nga katastrofat. Nj\u00eb dokument i publikuar n\u00eb fund t\u00eb muajit janar nga Banka Bot\u00ebrore p\u00ebrmend, nd\u00ebr t\u00eb tjera, edhe sigurimin e detyruesh\u00ebm nga t\u00ebrmetet, si pjes\u00eb e programit t\u00eb reformave t\u00eb qeveris\u00eb shqiptare p\u00ebr t\u00eb ulur rreziqet buxhetore nga katastrofat.<\/p>\n

Dokumenti jep nj\u00eb informacion t\u00eb p\u00ebrgjithsh\u00ebm rreth projektit t\u00eb propozuar p\u00ebr Financimin e Programit t\u00eb Zhvillimit t\u00eb Politikave, q\u00eb ka si q\u00ebllim rritjen e q\u00ebndrueshm\u00ebris\u00eb dhe zhvillimin e gjelb\u00ebr. Projekti i propozuar ka nj\u00eb vler\u00eb prej 120 milion\u00eb dollar\u00ebsh amerikan\u00eb dhe \u00ebsht\u00eb ende n\u00eb faz\u00eb vler\u00ebsimi. Pritet q\u00eb Bordi i Drejtor\u00ebve t\u00eb Bank\u00ebs Bot\u00ebror\u00eb t\u00eb vendos\u00eb p\u00ebr miratimin e tij n\u00eb muajin mars t\u00eb k\u00ebtij viti. Mes t\u00eb tjerash, n\u00eb dokument thuhet se n\u00eb axhend\u00ebn e reformave t\u00eb qeveris\u00eb p\u00ebrfshihet edhe \u201czhvillimi i tregut t\u00eb sigurimeve, n\u00ebp\u00ebrmjet nj\u00eb sigurimi t\u00eb detyruesh\u00ebm me ligj ndaj t\u00ebrmeteve\u201d.<\/p>\n

\u201cN\u00eb terma t\u00eb rritjes s\u00eb q\u00ebndrueshm\u00ebris\u00eb ndaj katastrofave natyrore, Programi i Financimit p\u00ebr Zhvillimin e Politikave mb\u00ebshtet vler\u00ebsimin e rreziqeve nga katastrofat natyrore n\u00eb deklarat\u00ebn e rreziqeve fiskale t\u00eb Qeveris\u00eb, duke u siguruar q\u00eb planifikimi buxhetor t\u00eb marr\u00eb n\u00eb konsiderat\u00eb ndikimin potencial t\u00eb katastrofave natyrore dhe ndryshimeve klimatike.<\/p>\n

Qeveria parashikon miratimin e nj\u00eb ligji p\u00ebr sigurimin e detyruesh\u00ebm ndaj t\u00ebrmeteve t\u00eb t\u00eb gjitha pronave rezidenciale\u201d, \u2013 thuhet n\u00eb dokument.<\/p>\n

Po t\u2019i referohemi dokumentit n\u00eb fjal\u00eb, Qeveria vijon ta ket\u00eb n\u00eb axhend\u00eb miratimin e nj\u00eb ligji p\u00ebr sigurimin e detyruesh\u00ebm nga t\u00ebrmetet, por n\u00eb t\u00eb nuk jepen holl\u00ebsi p\u00ebr form\u00ebn e nj\u00eb skeme t\u00eb till\u00eb, apo p\u00ebr afatet e ngritjes s\u00eb saj. Fakti q\u00eb n\u00eb dokument, ngritja e nj\u00eb skeme t\u00eb till\u00eb lidhet me zhvillimin e tregut t\u00eb sigurimeve mund t\u00eb n\u00ebnkuptoj\u00eb nj\u00eb qasje t\u00eb ndryshme nga ajo e draftit q\u00eb u diskutua deri n\u00eb vitin 2020, i cili parashikonte ngritjen e nj\u00eb agjencie t\u00eb posa\u00e7me shtet\u00ebrore p\u00ebr k\u00ebt\u00eb q\u00ebllim, pa p\u00ebrfshir\u00eb direkt tregun privat t\u00eb sigurimeve.<\/p>\n

Axhenda<\/p>\n

Qeveria vijon ta ket\u00eb n\u00eb axhend\u00eb miratimin e nj\u00eb ligji p\u00ebr sigurimin e detyruesh\u00ebm nga t\u00ebrmetet, por n\u00eb t\u00eb nuk jepen holl\u00ebsi p\u00ebr form\u00ebn e nj\u00eb skeme t\u00eb till\u00eb, apo p\u00ebr afatet e ngritjes s\u00eb saj. Fakti q\u00eb n\u00eb dokument, ngritja e nj\u00eb skeme t\u00eb till\u00eb lidhet me zhvillimin e tregut t\u00eb sigurimeve mund t\u00eb n\u00ebnkuptoj\u00eb nj\u00eb qasje t\u00eb ndryshme nga ajo e draftit q\u00eb u diskutua deri n\u00eb vitin 2020, i cili parashikonte ngritjen e nj\u00eb agjencie t\u00eb posa\u00e7me shtet\u00ebrore p\u00ebr k\u00ebt\u00eb q\u00ebllim, pa p\u00ebrfshir\u00eb direkt tregun privat t\u00eb sigurimeve.<\/p>\n

Siguruesit: Skema komb\u00ebtare, domosdoshm\u00ebri<\/p>\n

Siguruesit shprehen pesimist\u00eb rreth mund\u00ebsis\u00eb p\u00ebr t\u00eb siguruar nj\u00eb mbulim masiv t\u00eb popullsis\u00eb me sigurim nga katastrofat mbi baza vullnetare. Prej vitesh, qeveria shqiptare po shqyrton mund\u00ebsin\u00eb e ngritjes s\u00eb nj\u00eb skeme komb\u00ebtare t\u00eb sigurimit nga fatkeq\u00ebsit\u00eb, me konsulenc\u00ebn e Bank\u00ebs Bot\u00ebrore. Deri tani, nj\u00eb skem\u00eb e till\u00eb nuk \u00ebsht\u00eb ngritur dhe n\u00eb rast t\u00eb katastrofave, shumica e shqiptar\u00ebve do t\u00eb ishin t\u00eb ekspozuar ndaj nj\u00eb d\u00ebmi t\u00eb madh ekonomik. Avni Ponari, Drejtor i P\u00ebrgjithsh\u00ebm i Sigal Uniqa Group Austria, thot\u00eb se p\u00ebr mbrojtjen nga katastrofat ka disa zgjidhje. E para dhe e parap\u00eblqyera, sipas tij, do t\u00eb ishte q\u00eb qytetar\u00ebt t\u00eb siguroheshin vet\u00eb nga katastrofat. Por, p\u00ebr shkak t\u00eb mentalitetit, shqiptar\u00ebt n\u00eb p\u00ebrgjith\u00ebsi nuk e b\u00ebjn\u00eb di\u00e7ka t\u00eb till\u00eb. M\u00ebnyra q\u00eb ngelet \u00ebsht\u00eb q\u00eb k\u00ebt\u00eb sigurim ta b\u00ebj\u00eb shteti n\u00eb dy forma.<\/p>\n

\u201cNj\u00ebra m\u00ebnyr\u00eb \u00ebsht\u00eb q\u00eb shteti vet\u00eb t\u00eb blej\u00eb risk nga katastrofat n\u00eb tregjet nd\u00ebrkomb\u00ebtare, deri n\u00eb nj\u00eb limit t\u00eb caktuar, duke paguar nj\u00eb prim t\u00eb caktuar. M\u00ebnyra tjet\u00ebr \u00ebsht\u00eb q\u00eb t\u00eb gjith\u00eb individ\u00ebt t\u00eb marrin pjes\u00eb n\u00eb skem\u00eb, duke paguar prime dhe, n\u00ebse paguajn\u00eb t\u00eb gjith\u00eb, at\u00ebher\u00eb primi do t\u00eb rezultoj\u00eb shum\u00eb i ul\u00ebt, nga 1,500 deri n\u00eb 5,000 lek\u00eb n\u00eb vit p\u00ebr nj\u00eb banes\u00eb. N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, tregu i sigurimeve mund t\u00eb dal\u00eb n\u00eb tregjet nd\u00ebrkomb\u00ebtare, t\u00eb blej\u00eb nj\u00eb vler\u00eb t\u00eb caktuar risku n\u00ebp\u00ebrmjet risigurimit. N\u00eb rast d\u00ebmi, tregu i sigurimeve do t\u00eb paguaj\u00eb nj\u00eb pjes\u00eb t\u00eb vog\u00ebl t\u00eb vler\u00ebs, nd\u00ebrsa pjes\u00ebn m\u00eb t\u00eb madhe i paguajn\u00eb risiguruesit e huaj q\u00eb i kan\u00eb risiguruar k\u00ebto p\u00ebrgjegj\u00ebsi.<\/p>\n

Edhe n\u00eb k\u00ebt\u00eb rast ekzistojn\u00eb modele dhe skema q\u00eb mund t\u00eb ndiqen dhe t\u00eb implementohen. Nuk \u00ebsht\u00eb asgj\u00eb e re q\u00eb duhet b\u00ebr\u00eb p\u00ebr her\u00eb t\u00eb par\u00eb. Thjesht duhet vet\u00ebm vullnet p\u00ebr t\u00eb vepruar\u201d, thot\u00eb z. Ponari. Kadri Morinaj, president i grupit sigurues Eurosig, thot\u00eb se ngritja e nj\u00eb skeme t\u00eb detyrueshme t\u00eb sigurimit t\u00eb katastrofave \u00ebsht\u00eb e vetmja m\u00ebnyr\u00eb p\u00ebr t\u00eb siguruar mbrojtje ekonomike p\u00ebr qytetar\u00ebt, por nga ana tjet\u00ebr, edhe p\u00ebr t\u00eb rritur tregun e sigurimeve n\u00eb vend.<\/p>\n

\u201cJemi d\u00ebshmitar\u00eb t\u00eb t\u00ebrmeteve t\u00eb shumta shkat\u00ebrrimtare, ku i fundit ndodhi jo m\u00eb larg se fillimi i muajit shkurt n\u00eb Turqi. Shqip\u00ebria \u00ebsht\u00eb gjithashtu vend me rrezik t\u00eb lart\u00eb sizmik dhe t\u00eb gjith\u00eb i kemi t\u00eb fresk\u00ebta kujtimet e t\u00ebrmetit t\u00eb vitit 2019.<\/p>\n

P\u00ebr fat t\u00eb keq, kjo nuk sh\u00ebrbeu p\u00ebr t\u00eb rritur nd\u00ebrgjegj\u00ebsimin rreth domosdoshm\u00ebris\u00eb s\u00eb ngritjes s\u00eb nj\u00eb skeme t\u00eb till\u00eb. Qeverit\u00eb vazhdojn\u00eb ta kuptojn\u00eb sigurimin e detyruesh\u00ebm t\u00eb pron\u00ebs si nj\u00eb taks\u00eb. N\u00eb fakt, duke siguruar pron\u00ebn, qytetari blen nj\u00eb sh\u00ebrbim, q\u00eb i garanton mbrojtje n\u00eb rast t\u00eb d\u00ebmeve nga katastrofat n\u00eb t\u00eb ardhmen. N\u00eb diskutimet q\u00eb kemi pasur n\u00eb t\u00eb shkuar\u00ebn me Ministrin\u00eb e Financave, ne jemi shprehur t\u00eb gatsh\u00ebm t\u00eb marrim p\u00ebrsip\u00ebr sigurimin e banesave deri n\u00eb 100 mij\u00eb euro, kundrejt nj\u00eb primi prej 50 eurosh n\u00eb vit. Ne kemi pas nesh risigurues t\u00eb fuqish\u00ebm dhe si kompani p\u00ebr gati 20 vjet u kemi paguar risiguruesve rreth 500 mij\u00eb euro n\u00eb vit p\u00ebr risigurimin e pronave. Ne kemi nj\u00eb limit p\u00ebrgjegj\u00ebsie p\u00ebr ngjarje sigurimi 10 milion\u00eb euro dhe nga k\u00ebto, un\u00eb paguaj vet\u00ebm 200 mij\u00eb euro: pjes\u00ebn tjet\u00ebr e paguan risiguruesi.<\/p>\n

Si i paguan? Sepse t\u00ebrmetet apo katastrofat ndodhin me nj\u00eb interval t\u00eb caktuar kohor dhe nd\u00ebrkoh\u00eb k\u00ebto para, risiguruesi i ka mbledhur gjat\u00eb viteve\u201d, \u2013 shprehet ai.<\/p>\n

Sipas tij, sot i gjith\u00eb tregu shqiptar i sigurimeve paguan gjithsej 2 milion\u00eb euro p\u00ebr risigurimin e katastrofave. N\u00ebse banesat n\u00eb vend do t\u00eb siguroheshin t\u00eb gjitha, edhe primet e risigurimit do t\u00eb rriteshin dhe gjithashtu, edhe limiti i d\u00ebmshp\u00ebrblimit nga risiguruesit p\u00ebr \u00e7do ngjarje sigurimi. Dritan \u00c7elaj, drejtor i p\u00ebrgjithsh\u00ebm i kompanis\u00eb Atlantik, shprehet se ngritja e nj\u00eb skeme t\u00eb sigurimit nga katastrofat \u00ebsht\u00eb domosdoshm\u00ebri. Sipas tij, nuk \u00ebsht\u00eb e arsyeshme q\u00eb shteti vazhdon ta mbaj\u00eb mbi vete rrezikun e katastrofave dhe nj\u00eb zgjidhje e till\u00eb nuk \u00ebsht\u00eb n\u00eb interesin e buxhetit dhe t\u00eb taksapaguesve.<\/p>\n

\u201cPrej shum\u00eb vitesh, po diskutohet mund\u00ebsia e ngritjes s\u00eb nj\u00eb skeme p\u00ebr sigurimin nga katastrofat. P\u00ebr mendimin tim, kjo \u00ebsht\u00eb domosdoshm\u00ebri, pavar\u00ebsisht se nuk hyn tek ato aksione q\u00eb jan\u00eb t\u00eb leverdishme financiarisht p\u00ebr kompanit\u00eb e sigurimit.<\/p>\n

Ne jemi shum\u00eb t\u00eb ekspozuar ndaj katastrofave dhe nuk ka arsye q\u00eb rreziku t\u00eb mbahet nga buxheti i shtetit, duke hequr fonde nga funksionet e tjera organike t\u00eb buxhetit. Kjo qasje mund t\u00eb jet\u00eb disi populiste dhe nuk e di se ende p\u00ebr sa koh\u00eb do t\u00eb mund t\u00eb vazhdoj\u00eb. Do t\u00eb ishte m\u00eb e sh\u00ebndetshme p\u00ebr shtetin q\u00eb t\u00eb ngrihet nj\u00eb skem\u00eb e bazuar te sigurimi ndaj katastrofave. Pastaj, format dhe m\u00ebnyrat se si do t\u00eb ngrihet nj\u00eb skem\u00eb e till\u00eb jan\u00eb edhe \u00e7\u00ebshtje teknike dhe ekspertize. Por, n\u00eb parim, mendoj se \u00ebsht\u00eb nj\u00eb skem\u00eb q\u00eb duhet adoptuar\u201d, \u2013 thot\u00eb z. \u00c7elaj.\/monitor<\/p>\n

Gazeta Shqiptare<\/p>\n","protected":false},"excerpt":{"rendered":"

26 Shkurt 2023 Kan\u00eb kaluar vet\u00ebm tre vjet nga t\u00ebrmeti i n\u00ebntorit 2019, por duket se t\u00eb gjith\u00eb e kan\u00eb harruar shpejt rrezikun. Sigurimet vullnetare nga fatkeq\u00ebsit\u00eb natyrore ngelen n\u00eb nivele shum\u00eb t\u00eb ul\u00ebta, nd\u00ebrsa projekti i ngritjes s\u00eb nj\u00eb skeme t\u00eb sigurimit nga katastrofat dergjet n\u00eb sirtar\u00ebt e qeveris\u00eb. N\u00eb rast t\u00eb nj\u00eb ngjarje […]<\/p>\n","protected":false},"author":9,"featured_media":68634,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[27,35],"tags":[],"class_list":["post-68633","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogu-i-udhetarit","category-shoqerore"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2023\/02\/Termet-pallat-i-shkaterruar-1069-770x433-1.jpg?fit=770%2C433&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5Z6wp-hQZ","jetpack-related-posts":[{"id":103805,"url":"https:\/\/www.shqiperia.com\/blog\/toka-po-behet-me-e-erret-shkencetaret-japin-alarmin-ngrohja-globale-po-pershpejton-ndryshimin-e-planetit\/","url_meta":{"origin":68633,"position":0},"title":"Toka po b\u00ebhet m\u00eb e err\u00ebt, shkenc\u00ebtar\u00ebt japin alarmin: – Ngrohja globale po p\u00ebrshpejton ndryshimin e planetit","author":"Kurt Farka","date":"August 4, 2026","format":false,"excerpt":"4 Gusht 2026 Ndryshimi i klim\u00ebs nuk po matet vet\u00ebm p\u00ebrmes rritjes s\u00eb temperaturave. Nj\u00eb tjet\u00ebr tregues shqet\u00ebsues q\u00eb po v\u00ebzhgojn\u00eb shkenc\u00ebtar\u00ebt \u00ebsht\u00eb edhe ndryshimi i shk\u00eblqimit t\u00eb Tok\u00ebs: planeti po humbet gradualisht aft\u00ebsin\u00eb e tij natyrore p\u00ebr t\u00eb reflektuar rrezet e Diellit drejt hap\u00ebsir\u00ebs. Ky fenomen njihet si ulja\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/08\/b78dde7c-ap19227568082481.jpg?fit=1200%2C720&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/08\/b78dde7c-ap19227568082481.jpg?fit=1200%2C720&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/08\/b78dde7c-ap19227568082481.jpg?fit=1200%2C720&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/08\/b78dde7c-ap19227568082481.jpg?fit=1200%2C720&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/08\/b78dde7c-ap19227568082481.jpg?fit=1200%2C720&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":102593,"url":"https:\/\/www.shqiperia.com\/blog\/instat-shqiperia-humbi-gati-nje-te-katerten-e-popullsise-ne-25-vjet-humbjet-me-e-larte-ne-europe\/","url_meta":{"origin":68633,"position":1},"title":"INSTAT: Shqip\u00ebria humbi gati nj\u00eb t\u00eb kat\u00ebrt\u00ebn e popullsis\u00eb n\u00eb 25 vjet, humbjet m\u00eb e lart\u00eb n\u00eb Europ\u00eb","author":"Kurt Farka","date":"July 13, 2026","format":false,"excerpt":"13 Korrik 2026 Shqip\u00ebria ka humbur gati nj\u00eb t\u00eb kat\u00ebrt\u00ebn e popullsis\u00eb q\u00eb nga fillimi i viteve 2000, duke sh\u00ebnuar tkurrjen m\u00eb t\u00eb fort\u00eb mes vendeve europiane. Sipas t\u00eb dh\u00ebnave t\u00eb Eurostat, m\u00eb 1 janar 2026 Shqip\u00ebria num\u00ebronte rreth 2.34 milion\u00eb banor\u00eb, nga 3.06 milion\u00eb n\u00eb vitin 2000 (Eurostat raporton\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/turizem-njerez-popullsi-sheshi-skenderbej.webp?fit=1181%2C788&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/turizem-njerez-popullsi-sheshi-skenderbej.webp?fit=1181%2C788&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/turizem-njerez-popullsi-sheshi-skenderbej.webp?fit=1181%2C788&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/turizem-njerez-popullsi-sheshi-skenderbej.webp?fit=1181%2C788&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/turizem-njerez-popullsi-sheshi-skenderbej.webp?fit=1181%2C788&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":102627,"url":"https:\/\/www.shqiperia.com\/blog\/shqiperia-humbi-gati-nje-te-katerten-e-popullsise-ne-25-vjet-renia-me-e-larte-ne-europe\/","url_meta":{"origin":68633,"position":2},"title":"Shqip\u00ebria humbi gati nj\u00eb t\u00eb kat\u00ebrt\u00ebn e popullsis\u00eb n\u00eb 25 vjet, r\u00ebnia m\u00eb e lart\u00eb n\u00eb Europ\u00eb","author":"Kurt Farka","date":"July 13, 2026","format":false,"excerpt":"13 Korrik 2926 Shqip\u00ebria ka humbur gati nj\u00eb t\u00eb kat\u00ebrt\u00ebn e popullsis\u00eb q\u00eb nga fillimi i viteve 2000, duke sh\u00ebnuar tkurrjen m\u00eb t\u00eb fort\u00eb mes vendeve europiane. Sipas t\u00eb dh\u00ebnave t\u00eb Eurostat, m\u00eb 1 janar 2026 Shqip\u00ebria num\u00ebronte rreth 2.34 milion\u00eb banor\u00eb, nga 3.06 milion\u00eb n\u00eb vitin 2000 (Eurostat raporton\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/800-0-capture-54-6a54ad600c482-1.jpg?fit=800%2C441&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/800-0-capture-54-6a54ad600c482-1.jpg?fit=800%2C441&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/800-0-capture-54-6a54ad600c482-1.jpg?fit=800%2C441&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/800-0-capture-54-6a54ad600c482-1.jpg?fit=800%2C441&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":102918,"url":"https:\/\/www.shqiperia.com\/blog\/auron-tare-shpella-e-ciklopit-ne-himare-mes-filmit-te-nolan-dhe-lavazhit-te-makinave\/","url_meta":{"origin":68633,"position":3},"title":"Auron Tare: – Shpella e Ciklopit n\u00eb Himar\u00eb, mes filmit t\u00eb Nolan dhe lavazhit t\u00eb makinave","author":"Kurt Farka","date":"July 19, 2026","format":false,"excerpt":"19 Korrik 2026 Nga Auron Tare Shfaqja e filmit \u201cOdiseu\u201d nga regjisori Christopher Nolan ka hapur nj\u00eb debat t\u00eb gjer\u00eb n\u00eb t\u00eb dy an\u00ebt e Atlantikut mbi nj\u00eb nga veprat m\u00eb identifikuese t\u00eb let\u00ebrsis\u00eb bot\u00ebrore \u201cOdisea\u201d e Homerit. 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Diferencat e pagave jan\u00eb shum\u00eb t\u00eb larta dhe ato varen nga vendi i pun\u00ebs ku punoni. 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