قطاع التامين الحكومي في العراق : الواقع و التحديات

الملخص EN

Insurance companies are witnessing large and rapid changes and developments that affect the local, regional and global levels, making them vulnerable to many challenges and problems that affect the work of these companies.

Insurance companies in Iraq have a number of major challenges, including the unstable security situation, the failures resulting from Law No.

10 of 2005, and unfair competition between insurance companies, And given the importance of the insurance sector in Iraq and the need to develop it, the study aimed to identify the reality of insurance in Iraq for the years 2005-2015 and the most important challenges and problems facing this important economic sector, and we start the research from the hypothesis that "there is an inverse relationship between the reality of insurance in Iraq and the challenges it faces" The greater the challenges, the more it leads to a decrease in the development of this sector.

The study relied on the records and reports issued by the Ministry of Finance for the period under study, and the study reached a number of conclusions, including the insurance sector's lack of specialized technical (actuary) cadres And the lack of recent documents to keep pace with developments in economic and social life, the lack of insurance awareness among citizens, and the study also presented a set of recommendations, including the need to conduct specialized training programs for cadres working in the insurance sector and the need for insurance companies to pay attention to promotional programs and advertise insurance services to create insurance awareness