Ïîêàçàòåëü "Óðîâåíü âûïëàò" îïðåäåëÿåòñÿ îòíîøåíèåì ñòðàõîâûõ âûïëàò ê ñòðàõîâûì ïëàòåæàì è îòðàæàåò ðåàëüíóþ ðîëü ñòðàõîâùèêà íà ðûíêå. Îïòèìàëüíûé óðîâåíü óáûòî÷íîñòè ïî âèäàì ñòðàõîâàíèÿ ñîñòàâëÿåò 20–50%. Õîðîøî, åñëè èìåþòñÿ íåçíà÷èòåëüíûå îòêëîíåíèÿ ïî îòäåëüíûì âèäàì (10–20% èëè 50–60%). Åñëè óðîâåíü âûïëàò ìåíüøå òî, ýòî çíà÷èò, ÷òî ñòðàõîâûå òàðèôû ñòðàõîâùèêà ëèáî çàâûøåíû, ëèáî çàòðóäíåíà ïðîöåäóðà ñòðàõîâûõ âûïëàò, ëèáî ñòðàõîâùèê çàíèìàåòñÿ âûáîðî÷íîå ñòðàõîâàíèå èëè ó÷àñòâóåò â ìèíèìèçàöèè íàëîãîîáëîæåíèÿ ñóáúåêòîâ õîçÿéñòâåííîé äåÿòåëüíîñòè. Åñëè óáûòî÷íîñòü âûøå îïòèìàëüíîé - ñòðàõîâùèê íåêâàëèôèöèðîâàííî ïîäõîäèò ê îöåíêå ðèñêîâ. Íà óðîâåíü âûïëàò îêàçûâàåò âëèÿíèå äèíàìèêà ñòðàõîâîãî ïîðòôåëÿ – ê ïðèìåðó, ðåçêèé ðîñò ñòðàõîâûõ ïëàòåæåé íå ñðàçó ñêàçûâàåòñÿ íà ðîñòå âûïëàò, à ëèøü ÷åðåç íåêîòîðîå âðåìÿ.
¹ | Íàçâàíèå êîìïàíèèany | Óðîâåíü âûïëàò çà 1 êâ. 2007 ã., % | Óðîâåíü âûïëàò çà 1 êâ. 2006 ã., % | Òåìï ðîñòà, % |
1 | ÈÍÂÅÑÒÑÅÐÂÈÑ | 66,65 | 16,24 | 165,25 |
2 | ÑÎ ÈËÈ×ÅÂÑÊÎÅ | 65,05 | 54,01 | 166,42 |
3 | ÈÍÊÎÌÑÒÐÀÕ | 61,72 | - | - |
4 | ÍÎÂÀ | 56,04 | 62,76 | 171,56 |
5 | ÈÍÒÅÐÒÐÀÍÑÏÎËÈÑ | 51,85 | 65,60 | 43,41 |
6 | ÏÇÓ ÓÊÐÀÈÍÀ | 50,80 | 51,38 | 117,45 |
7 | ÓÊÐÀÈÍÑÊÈÉ ÑÒÐÀÕÎÂÎÉ ÀËÜßÍÑ | 49,99 | 37,38 | 240,90 |
8 | ÀËÜÊÎÍÀ | 48,87 | 20,88 | 206,65 |
9 | ÝÒÀËÎÍ | 46,29 | 64,91 | 61,24 |
10 | ÀÈÑ-ÏÎËÈÑ | 46,09 | 24,25 | 381,39 |
11 | ÄÍÅÏÐ | 45,88 | - | - |
12 | ÀÑÊÎ-ÄÎÍÁÀÑ-ÑÅÂÅÐÍÛÉ | 45,27 | 43,44 | 121,90 |
13 | ÈÍÏÐÎ | 44,39 | 36,81 | 124,22 |
14 | ÅÂÐÎÏÅÉÑÊÈÉ ÑÒÐÀÕÎÂÎÉ ÀËÜßÍÑ | 44,11 | 25,52 | 172,34 |
15 | ÈÍÃÎ ÓÊÐÀÈÍÀ | 43,23 | 40,17 | 151,66 |
16 | ÏÐÎÑÒÎ-ÑÒÐÀÕÓÂÀÍÍß | 43,08 | 36,40 | 241,18 |
17 | ÄÆÅÍÅÐÀËÈ ÃÀÐÀÍÒ | 41,07 | 32,31 | 165,54 |
18 | ÎÐÀÍÒÀ-ÑÈ× | 40,17 | 31,10 | 151,61 |
19 | ÎÐÀÍÒÀ | 38,22 | 36,06 | 128,39 |
20 | ÂÎÑÒÎ×ÍÎ-ÓÊÐÀÈÍÑÊÎÅ ÑÒÐÀÕÎÂÎÅ ÎÁÙÅÑÒÂÎ | 37,62 | 22,63 | 307,57 |
21 | ÏÐÎÂÈÄÍÀ | 37,50 | 31,19 | 177,54 |
22 | ÀÑÊÀ | 37,34 | 24,10 | 177,05 |
23 | ÏÀÐÒÍÅÐ | 36,68 | 44,20 | 102,39 |
24 | ÑÒÐÀÕÎÂÀß ÃÐÓÏÏÀ "ÒÀÑ" | 35,93 | 25,57 | 231,62 |
25 | ÓÍÈÂÅÐÑÀËÜÍÀß | 34,97 | 40,84 | 126,90 |
26 | ÂÅÊÑÅËÜ | 32,71 | 18,10 | 169,49 |
27 | ÓÊÐÀÈÍÑÊÀß ÑÒÐÀÕÎÂÀß ÃÐÓÏÏÀ ÇÀÎ ÑÊ | 31,44 | 34,48 | 237,76 |
28 | ÊÐÅÄÎ-ÊËÀÑÑÈÊ | 31,26 | 32,05 | 115,06 |
29 | INTO | 30,23 | - | - |
30 | ÂÅÑÊÎ | 29,63 | 27,86 | 147,56 |
31 | ÀËÜÔÀ-ÃÀÐÀÍÒ | 29,52 | 24,61 | 321,09 |
32 | ÃÀËÀÊÒÈÊÀ | 27,88 | - | - |
33 | ÀÑÊÎ-ÌÅÄÑÅÐÂÈÑ | 27,77 | 12,46 | 115,86 |
34 | ÊÐÎÍÀ | 27,68 | 16,19 | 182,73 |
35 | ÊÐÀÈÍÀ | 27,29 | 9,78 | 614,84 |
36 | ËÅÌÌÀ | 27,22 | 2,16 | 1498,17 |
37 | ÄÍÈÑÒÅÐ | 27,07 | 41,40 | 128,92 |
38 | ÑÒÀÒÓÑ | 27,01 | 20,44 | 147,84 |
39 | ÀÂÀÍÒÅ | 26,91 | 3,81 | 1591,54 |
40 | ÑÒÐÀÕÎÂÛÅ ÒÐÀÄÈÖÈÈ | 26,71 | 19,33 | 133,14 |
41 | ÓÊÐÀÈÍÑÊÀß ÝÊÎËÎÃÈ×ÅÑÊÀß ÑÒÐÀÕÎÂÀß ÊÎÌÏÀÍÈß | 26,30 | 6,45 | 246,12 |
42 | ÃËÎÁÓÑ | 25,07 | 12,49 | 224,82 |
43 | ÏÐÎÌÛØËÅÍÍÎ ÑÒÐÀÕÎÂÎÉ ÀËÜßÍÑ | 24,01 | - | - |
44 | ÈíòåðÃàðàíò | 23,67 | - | - |
45 | ÀÝËÈÒÀ | 23,54 | 27,23 | 107,13 |
46 | UTICO (ÞÒÈÊÎ) | 23,24 | 8,61 | 356,24 |
47 | ÐÅÍÅÑÀÍÑ | 22,09 | 11,87 | 188,01 |
48 | ÂÅÃÀ | 22,02 | 11,78 | 109,98 |
49 | ÀËÜßÍÑ | 21,90 | - | - |
50 | ÎÐÀÄÎÍ | 21,13 | 34,28 | 89,81 |
51 | ÐÎÑÍÎ ÓÊÐÀÈÍÀ | 20,78 | 15,41 | 1236,56 |
52 | ÄÎÃÌÀÒ-ÑÒÐÀÕÎÂÀÍÈÅ | 20,32 | - | - |
53 | VAB ÑÒÐÀÕÎÂÀÍÈÅ | 19,83 | - | - |
54 | ÐÀÐÈÒÅÒ | 19,07 | 14,62 | 261,21 |
55 | ÏÐÎÔÅÑÑÈÎÍÀËÜÍÀß ÇÀÙÈÒÀ | 18,54 | 27,88 | 147,72 |
56 | ÃÎÐÎÄÑÊÀß ÑÒÐÀÕÎÂÀß ÊÎÌÏÀÍÈß | 18,16 | 2,63 | 905,76 |
57 | ÁÐÎÊÁÈÇÍÅÑÑÒÐÀÕÎÂÀÍÈÅ | 18,15 | 3,51 | 1022,20 |
58 | ÎÑÊ ÐÅÇÅÐÂ | 17,51 | 8,60 | 128,14 |
59 | ÊÍßÆÀ | 17,33 | 24,40 | 186,96 |
60 | ÊÈÉ ÀÂÈÀ ÃÀÐÀÍÒ | 16,89 | 18,32 | 114,24 |
61 | ÃÀÐÀÍÒÈß ÎÀÎ ÑÎ | 16,74 | 19,07 | 282,30 |
62 | ÏÐÎÂÈÒÀ | 15,94 | - | - |
63 | ÝÍÅÐÃÎÏÎËÈÑ | 15,21 | 125,19 | 30,93 |
64 | ÒÐÀÍÑÌÀÃÈÑÒÐÀËÜ | 14,56 | - | - |
65 | ÊÜÞ Áè È-ÓÃÏÁ ÈÍØÓÅÐÅÍÑ | 14,45 | 33,62 | 43,11 |
66 | ÑÊÀÐÁÍÈÖß | 14,18 | 25,04 | 62,54 |
67 | ÁÓÑÈÍ | 13,46 | 9,07 | 649,30 |
68 | ÎÐÀÍÒÀ-ËÓÃÀÍÜ | 12,91 | 18,72 | 128,68 |
69 | ÊÀØÒÀÍ | 12,87 | 13,53 | 120,49 |
70 | ÎÑÒÐÀ | 11,78 | - | - |
71 | ÄÎÁÐÎÁÓÒ | 11,30 | 4,89 | 389,32 |
72 | ÃÀÐÀÍÒ-ÑÈÑÒÅÌÀ | 11,23 | 22,68 | 146,29 |
73 | ÓÊÐÀÈÍÑÊÀß ÏÎÆÀÐÍÎ-ÑÒÐÀÕÎÂÀß ÊÎÌÏÀÍÈß | 10,30 | 13,12 | 127,79 |
74 | ÀÐÌÀ | 10,19 | 20,49 | 135,86 |
75 | ÀÇÎÂ | 9,81 | 23,26 | 55,30 |
76 | ÈÍÑÏÎË | 9,79 | 8,56 | 68,41 |
77 | ÈÍÄÈÃÎ | 9,52 | - | - |
78 | ÑÒÎËÈÖÀ | 7,27 | 0,60 | 1441,10 |
79 | ÒÅÊÎÌ | 6,83 | 1,17 | 625,67 |
80 | ÊÐÅÌÅÍÜ | 6,11 | 4,32 | 140,80 |
81 | ÓÊÐÝÊÑÈÌÑÒÐÀÕ | 5,94 | 3,27 | 65,68 |
82 | ÑÊÀÉÄ | 5,86 | 4,24 | 155,63 |
83 | ÌÈÐ | 5,46 | - | - |
84 | ÄÎÁÐÎÁÓÒ ÒÀ ÇÀÕÈÑÒ | 4,46 | - | - |
85 | ÌÅÆÄÓÍÀÐÎÄÍÀß ÑÒÐÀÕÎÂÀß ÊÎÌÏÀÍÈß | 4,41 | 3,03 | 83,47 |
86 | ÑÒÐÎÉÏÎËÈÑ | 4,21 | 11,48 | 21,86 |
87 | ÑÎËÈÄÀÐÍÎÑÒÜ | 3,87 | 3,82 | 105,68 |
88 | ÝÍÅÐÃÎÐÅÇÅÐÂ | 3,45 | 4,83 | 165,30 |
89 | ÃÀËÈÖÊÀß | 3,45 | 2,34 | 186,41 |
90 | ÞÏÈÒÅÐ-Ì | 3,40 | 0,41 | 883,64 |
91 | ÎÍÈÊÑ | 2,91 | 7,98 | 39,21 |
92 | ÄÍÅÏÐÎÈÍÌÅÄ | 2,86 | - | - |
93 | ÂÅËÒÀ | 2,00 | 0,98 | 171,41 |
94 | ÎÌÅÃÀ | 0,93 | 2,21 | 292,59 |
95 | ÇÀÕÈÄ-ÐÅÇÅÐÂ | 0,81 | 0,65 | 110,71 |
96 | ÔÎÍÄ ÑÒÐÀÕÎÂÛÕ ÃÀÐÀÍÒÈÉ | 0,77 | 0,00 | - |
97 | ÎËÂÈ | 0,42 | 3,20 | 83,90 |
98 | ÄÈÍÀÑÒÈß | 0,37 | 9,53 | 4,67 |
99 | ÀÊÂ ÃÀÐÀÍÒ | 0,23 | 0,80 | 51,73 |
100 | ÌÎÍÎÌÀÕ | 0,19 | 7,71 | 1,32 |
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Ïîëíàÿ âåðñèÿ: æóðíàë "Insurance Top" #2(18)2007 - www.insurancetop.com
Èñïîëüçîâàíèå äàííûõ: âîçìîæíî òîëüêî ïîñëå çàêëþ÷åíèÿ äîãîâîðà ñ ðåäàêöèåé æóðíàëà "Insurance Top"