发布日期：2008年9月

摘要

越南的保险市场，全球增长最快的行业之一，在过去几年迅速的扩大。在自由化的世贸组织协定下，伴随着经济增长，收入增加及越来越强的保险意识，这个市场将在未来几年继续快速的增长，寿险市场在越南有85万人的国家非常有发展潜力。但是其只有8个寿险公司，渗透率非常的低。因此，这个寿险市场对于外国寿险公司是个机会。

Vietnam’s insurance market, one of the fastest growing markets in the world, has expanded rapidly over the past few years. And with support from the liberalization post WTO agreements, economic growth, rising incomes and increasing insurance awareness, the market will continue to grow at fast pace in coming years. The life insurance market in Vietnam seems very promising as the country has a population of over 85 Million people, with only eight life insurers, reflecting a low penetration rate. Thus, life insurance market can prove to be a boon for foreign life insurers, says "Vietnam's Insurance Sector Forecast to 2010”.

Exploring the market development and potential, this research report offers a broad overview of the Vietnam’s insurance industry. The forecasts and estimations given in this report are not based on a complex economic model, but are intended as a guide to the direction in which the market is likely to move in future.

Key Findings of the Report

- Vietnam’s insurance industry is forecasted to grow at a CAGR of around 22% during 2008-2010.
- Life insurance is projected to hit a CAGR of about 12.1% during 2008-2010.
- Investment-linked insurance products will decide the future of life insurance industry in the country.
- The non-life insurance industry is expected to grow at a CAGR of 29% during 2008-2010.
- Energy price, export credit, medical, agriculture and expatriate healthcare insurance are some of the key opportunity areas for non-life insurers in Vietnam.

Key Issues & Facts Analyzed in the Report

- What are the recent developments in the insurance market of Vietnam? 
- Which are the fastest growing products?
- What is the consumer attitude towards insurance products?
- How the market is likely to move in future?
- What are the various growth prospects? 
- What are the major roadblocks for the market?

Key Players Discussed in the Report

This section provides business overview and financial status of key players in the insurance market of Vietnam, like Prudential Vietnam, Bao Minh and PV Insurance.

Research Methodology Used in the Report

Information Sources
Information given in this report has been sourced from books, newspapers, trade journals, white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to over 3000 paid databases.

Analysis Methods
RNCOS industry forecast and analysis is based on various macro- and microeconomic factors, sector and industry specific databases, and our in-house statistical and analytical model. This model takes into account the past and current trends in an economy, and more specifically in an industry, to bring out an objective market analysis.

Our industry experts study the relationship between various industry and economic variables to ensure the required accuracy and desired check on the quality of data and information given in the report.

目录及图表

1. Analyst View

2. Vietnam - Key Growth Factors
     2.1 Economic Stability
     2.2 Entry in WTO
     2.3 Income Level
     2.4 Young Population
     2.5 Insurance Awareness
     2.6 Untapped Potential

3. Market Overview

4. Market Performance
     4.1 By Life Insurance
            4.1.1 Whole Life Insurance
            4.1.2 Pure Endowment Insurance
            4.1.3 Term Insurance
            4.1.4 Endowment Insurance
            4.1.5 Annuity Insurance
            4.1.6 Rider
     4.2 By Non-life Insurance
            4.2.1 Motor Vehicle Insurance
            4.2.2 Property & Casualty Insurance
            4.2.3 Personal Accident & Health Insurance
            4.2.4 Fire Insurance
            4.2.5 Hull and P&I Insurance
            4.2.6 Cargo Insurance
            4.2.7 Aviation Insurance
            4.2.8 Others
     4.3 By Insurance Intermediaries
            4.3.1 Brokers
            4.3.2 Agents

5. Growth Prospects
     5.1 Life Insurance
     5.2 Investment-linked Insurance
     5.3 Car Insurance
     5.4 Energy Price Insurance
     5.5 Export Credit Insurance
     5.6 Medical Insurance
     5.7 Agriculture Insurance
     5.8 Expatriate Healthcare Insurance

6. Growth Barriers
     6.1 Unhealthy Competition
     6.2 Weak Regulatory System
     6.3 Human Resource Crunch
     6.4 Limited Financial Capacity
     6.5 Market Concentration
     6.6 Widening Gap between Rich & Poor

7. Key Players
     7.1 Prudential Vietnam
     7.2 Bao Viet
     7.3 Manulife
     7.4 Bao Minh
     7.5 PV Insurance

List of Figures:

Figure 2-1: Vietnam - Nominal GDP (in Billion US$), 2002-2007
Figure 2-2: Vietnam - Forecast for Nominal GDP (in Billion US$), 2008-2012
Figure 2-3: Vietnam - Per Head Disposable Income (in US$), 2002-2007E
Figure 2-4: Vietnam - Forecast for Per Head Disposable Income (in US$), 2008-2012
Figure 2-5: Vietnam - Population (in Million), 2002-2007E
Figure 2-6: Vietnam - Population Breakup by Age Group (%), 2007E
Figure 2-7: Vietnam - Forecast for Population (in Million), 2008-2012
Figure 2-8: Vietnam - Unemployment Rate (%), 2001-2007E
Figure 2-9: Vietnam - Life Insurance Penetration by Population (%), 2007
Figure 3-1: Vietnam - Insurance Premium (in Trillion VND), 2002-2007
Figure 3-2: Vietnam - Distribution of Insurance Premium (%), 2007
Figure 3-3: Vietnam - Forecast for Insurance Premium (in Trillion VND), 2008-2010
Figure 3-4: Vietnam - Insurance Claims Paid (in Billion VND), 2006 & 2007
Figure 4-1: Vietnam - Life Insurance Premium (in Trillion VND), 2005-2007
Figure 4-2: Vietnam - Forecast for Life Insurance Premium (in Trillion VND), 2008-2010
Figure 4-3: Vietnam - Distribution of Life Insurance Premium by Business Line (%), 2005
Figure 4-4: Vietnam - Whole Life Insurance Premium (in Billion VND), 2004 & 2005
Figure 4-5: Vietnam - Pure Endowment Insurance Premium (in Billion VND), 2004 & 2005
Figure 4-6: Vietnam - Term Insurance Premium (in Billion VND), 2004 & 2005
Figure 4-7: Vietnam - Endowment Insurance Premium (in Billion VND), 2004 & 2005
Figure 4-8: Vietnam - Annuity Insurance Premium (in Billion VND), 2004 & 2005
Figure 4-9: Vietnam - Insurance Premium written under Rider (in Billion VND), 2004 & 2005
Figure 4-10: Vietnam - Non-life Insurance Premium (in Trillion VND), 2005-2007
Figure 4-11: Vietnam - Forecast for Non-life Insurance Premium (in Trillion VND), 2008-2010
Figure 4-12: Vietnam - Distribution of Non-life Insurance Premium by Insurer (%), 2006
Figure 4-13: Vietnam - Non-life Insurance Gross Premium by Business Line (%), 2006
Figure 4-14: Vietnam - Net Retained Non-life Insurance Premium (in Trillion VND), 2005 & 2006
Figure 4-15: Vietnam - Distribution of Net Retained Non-life Insurance Premium by Business Line (%), 2006
Figure 4-16: Vietnam - Motor Insurance Gross Premium (in Billion VND), 2005-2007E
Figure 4-17: Vietnam - Net Retained Motor Insurance Premium (in Billion VND), 2005 & 2006
Figure 4-18: Vietnam - Property & Casualty Insurance Gross Premium (in Billion VND), 2005-2007E
Figure 4-19: Vietnam - Net Retained Property & Casualty Insurance Premium (in Billion VND), 2005 & 2006
Figure 4-20: Vietnam - Personal Accident & Health Insurance Gross Premium (in Billion VND), 2005-2007E
Figure 4-21: Vietnam - Net Retained Personal Accident & Health Insurance Premium (in Billion VND), 2005 & 2006
Figure 4-22: Vietnam - Fire Insurance Gross Premium (in Billion VND), 2005-2007E
Figure 4-23: Vietnam - Net Retained Fire Insurance Premium (in Billion VND), 2005 & 2006
Figure 4-24: Vietnam - Hull and P&I Insurance Gross Premium (in Billion VND), 2005-2007E
Figure 4-25: Vietnam - Net Retained Hull and P&I Insurance Premium (in Billion VND), 2005 & 2006
Figure 4-26: Vietnam - Cargo Insurance Gross Premium (in Billion VND), 2005-2007E
Figure 4-27: Vietnam - Net Retained Cargo Insurance Premium (in Billion VND), 2005 & 2006
Figure 4-28: Vietnam - Aviation Insurance Gross Premium (in Billion VND), 2005-2007E
Figure 4-29: Vietnam - Net Retained Aviation Insurance Premium (in Billion VND), 2005 & 2006
Figure 4-30: Vietnam - Insurance Premium of Other* Categories (in Billion VND), 2005-2007E
Figure 4-31: Vietnam - Net Retained Insurance Premium of Other* Categories (in Billion VND), 2005 & 2006
Figure 4-32: Vietnam - Non-life Insurance Premium Arranged by Insurance Brokers (in Billion VND), 2005-2007E
Figure 4-33: Vietnam - Distribution of Non-life Insurance Premium of Brokers by Business Line (%), 2006E
Figure 4-34: Vietnam - Distribution of Insurance Brokerage Commissions by Business Line (%), 2006E
Figure 4-35: Vietnam - Number of Insurance Agents (2005 & 2006)
Figure 4-36: Vietnam - Distribution of Agents by Life & Non-life Insurance (%), 2006
Figure 5-1: Vietnam - Forecast for Passenger Cars Registration (in ‘000 Units), 2008-2012

List of Tables:

Table 3-1: Vietnam - Number of Insurance Companies by Category (2006)