Asking for a share of the insurance industry is a dangerous phenomenon

According to Gholamreza Soleimani, the head of Central Insurance, at the 28th National Conference on Insurance and Development, he added: “The insurance industry is a supportive, relaxing and reassuring industry that is the driving force of the country’s economic development.”

The Director General of Central Insurance, appreciating the presence of the Vice President for Economic Affairs, Minister of Economic Affairs and Finance, several members of parliament and insurance industry activists, as well as more than 15,000 virtual viewers and listeners of the conference, said: It is the basis for the growth of this industry and such conferences can play an important role in the transformation of insurance.

He spoke about the extensive plans to complete the digital infrastructure in the insurance industry and added: “Providing cyber insurance products is one of our serious goals and even one of the companies has announced its readiness to operate in this industry with a focus on electronic insurance goods.”

In this regard, Soleimani expressed hope that next year, insurance claims will be paid in order to complete the insurance cycle digitally.

The head of the Supreme Insurance Council noted: “The world is moving very fast in the direction of electronic insurance services, and now more than forty percent of insurance services in developed countries are out of the traditional orbit.”

In another part of his speech, he pointed to the high rate of damages in fields such as third party and complementary treatment and added: “The high number of damages in some insurance fields seems to be worrying due to the effective operation of the risk center and also Completion of electronic infrastructure to control violations will reduce these damages.

Emphasizing that the demand of some organizations and devices from the insurance industry is a dangerous phenomenon, Soleimani stated: The insurance industry must have adequate financial wealth to address the government’s concerns in the event of accidents and major losses. Reduce.

Explaining the brilliant performance of the insurance industry at the height of the sanctions, he said: “Despite the severe sanctions imposed on the country’s insurance industry, I am proud to announce that more than five hundred billion dollars of domestic risks are covered by the insurance industry.” has taken.

In the final part of his speech, the Director General of Central Insurance addressed issues and achievements such as the need to strengthen life insurance, insurance of securities, issuance of insurance guarantees, the importance of combining investment in industry and completing the Codectica issuance process. And supporting the sales network is the main and serious program of the oversight body, which we will address in this regard, taking into account the interests of all stakeholders.

Soleimani was present at the conference on the sidelines of the conference and answered their questions.

The head of the Central Insurance announced a 28 percent increase in health insurance in this year’s budget and added: “Last year, we saw a 40 percent increase in medical tariffs, and the 98 percent loss ratio of this insurance field is not acceptable.”

He called for a fair tariff for supplementary insurance and called on insurance companies and organizations to consider this tariff increase when calculating premiums.

In another part of his speech, Soleimani announced the readiness of the insurance industry to cover the losses caused by cyber attacks and said: The loss of six hundred million dollars of cyber attacks in 2020 shows the importance of this issue and the country’s institutions should pay attention to this important risk. To be.

Soleimani spoke about the imminent underwriting of several other insurance companies in the stock exchange and added: “Currently, the capital market index has special conditions, and therefore underwriting is done in a step-by-step manner, observing the stock market situation.”

The head of the Supreme Insurance Council stated that the link between the insurance industry and the capital market should be strengthened, adding that part of the capital of the insurance industry is in the stock market and with the supply of insurance securities in the capital market, this interaction will have more dimensions.

He assessed the increase in insurance penetration depend on the competition of life insurance rates and conditions with parallel markets and said: “Increasing insurance penetration in addition to reducing government concerns will lead to increasing the level of hope in society and improving public welfare.”

He cited issues such as retirement, supplementary treatment, future financing and disability as benefits of life insurance policies.

Soleimani called on insurance industry activists and the media to work together to popularize the culture of the insurance industry.

The head of Central Insurance mentioned start-ups as a platform for selling insurance products and added: “It is not possible to eliminate technology and to stand against digital developments has no meaning.”

He specified: the activity of start-ups in the fields of third party and treatment has started and will be extended to other fields within the framework of law and regulations.

Regarding the offer of some discounts by start-ups, the chairman of the Supreme Insurance Council explicitly stated: Offering a discount means selling below the approved rate, which is definitely a violation, but there is nothing wrong with offering a discount from the agency fee.

Culture-building is one of the main infrastructures for the development of the insurance industry, and the insurance bell has been designed and implemented in this regard.

Soleimani appreciated the cooperation of art groups and the media in the “Insurance Bell” project, adding: “Insurance culture should be instilled in its audience from an early age so that its institutionalization can be accelerated in the future.”

He emphasized the continuation of this process by considering the insurance bell useful in the way of familiarizing children and families with various insurance products.

The Director General of Central Insurance referred to the slogan “every insurance company has one product per year” as a pragmatic program and expressed the determination of insurance companies in this regard.

Soleimani assessed the issue of intelligence in the insurance industry in line with the government’s macro policies and added: “Intelligence is literally done in advanced electronic platforms such as blockchain, which fortunately the insurance industry has an acceptable infrastructure to enter this field.” .

He considered the physical elimination of insurance policies and the electronicization of sketches as significant achievements of the insurance industry and the police, and stressed the need to complete the infrastructure.

The General Director of Central Insurance called the insurance contract an obligation between the insurer and the insurer and said: “Insurers’ expectations from insurance companies are very high and if we want to act only on the basis of the contract, the insurer will certainly not pay it or with Delays payment.

Emphasizing the importance of accuracy in the general and specific conditions of the insurance contract, he said: When concluding an insurance contract, which is not an ordinary transaction, regulations should be considered because if the insurance industry contracts are not good and controlled, we will face problems when paying damages. .

The Director General of Insurance acknowledged that insurers may seek very easy terms in insurance contracts to be signed without specific clauses, but they will also face problems when receiving compensation.