{"id":91047,"date":"2025-06-26T08:34:16","date_gmt":"2025-06-26T07:34:16","guid":{"rendered":"https:\/\/www.alhadathlifriqui.com\/?p=91047"},"modified":"2025-06-26T08:34:19","modified_gmt":"2025-06-26T07:34:19","slug":"%d8%b3%d9%88%d9%82-%d8%a7%d9%84%d8%aa%d8%a3%d9%85%d9%8a%d9%86-%d8%a7%d9%84%d8%ac%d8%b2%d8%a7%d8%a6%d8%b1%d9%8a-%d9%8a%d9%86%d9%85%d9%88-14-%d8%a8%d8%a7%d9%84%d8%b1%d8%a8%d8%b9-%d8%a7%d9%84%d8%a3%d9%88","status":"publish","type":"post","link":"https:\/\/www.alhadathlifriqui.com\/?p=91047","title":{"rendered":"\u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062c\u0632\u0627\u0626\u0631\u064a \u064a\u0646\u0645\u0648 14% \u0628\u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 2025"},"content":{"rendered":"

\u0634\u0647\u062f \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062c\u0632\u0627\u0626\u0631\u064a \u0646\u0645\u0648\u064b\u0627 \u0645\u0644\u062d\u0648\u0638\u064b\u0627 \u0628\u0646\u0633\u0628\u0629 14% \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2025 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0641\u062a\u0631\u0629 \u0646\u0641\u0633\u0647\u0627 \u0645\u0646 \u0639\u0627\u0645 2024. \u0648\u0642\u062f \u0647\u064a\u0645\u0646 \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u0645 (General Insurance) \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0646\u0645\u0648\u060c \u0645\u0645\u0627 \u064a\u0639\u0643\u0633 \u062f\u064a\u0646\u0627\u0645\u064a\u0643\u064a\u0629 \u0642\u0648\u064a\u0629 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639.<\/p>\n

– \u0623\u062f\u0627\u0621 \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0623\u0631\u0642\u0627\u0645 \u0631\u0626\u064a\u0633\u064a\u0629
\n\u0643\u0634\u0641 \u0627\u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u0648\u0637\u0646\u064a \u0644\u0644\u062a\u0623\u0645\u064a\u0646 (CNA) \u0639\u0646 \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0642\u0637\u0627\u0639 \u0644\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644\u060c \u062d\u064a\u062b \u0648\u0635\u0644\u062a \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u0643\u062a\u062a\u0628\u0629 (GWP) \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0625\u0644\u0649 53.5 \u0645\u0644\u064a\u0627\u0631 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a (\u062d\u0648\u0627\u0644\u064a 411.5 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a) \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2025\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 49 \u0645\u0644\u064a\u0627\u0631 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0645\u0642\u0627\u0628\u0644 \u0645\u0646 \u0639\u0627\u0645 2024.<\/p>\n

– \u0647\u064a\u0645\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u0645 \u0648\u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629
\n\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0648\u0627\u0644\u062d\u0648\u0627\u062f\u062b (Property & Casualty): \u0627\u0633\u062a\u062d\u0648\u0630 \u0647\u0630\u0627 \u0627\u0644\u0642\u0637\u0627\u0639 \u0639\u0644\u0649 \u0623\u0643\u062b\u0631 \u0645\u0646 82% \u0645\u0646 \u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0633\u0648\u0642\u060c \u0645\u0633\u062c\u0644\u0627\u064b 47 \u0645\u0644\u064a\u0627\u0631 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a. \u0648\u0634\u0647\u062f \u0646\u0645\u0648\u064b\u0627 \u0628\u0646\u0633\u0628\u0629 \u062a\u0642\u0627\u0631\u0628 15% \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2024.<\/p>\n

\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 (Personal Lines): \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u064a\u0627\u0629\u060c \u0648\u0635\u0644\u062a \u0623\u0642\u0633\u0627\u0637\u0647 \u0625\u0644\u0649 6.5 \u0645\u0644\u064a\u0627\u0631 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a\u060c \u0645\u0633\u062c\u0644\u0629 \u0632\u064a\u0627\u062f\u0629 \u0628\u0646\u0633\u0628\u0629 8.5% \u0639\u0646 \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2024\u060c \u0648\u0634\u0643\u0644\u062a 11.4% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0633\u0648\u0642.<\/p>\n

\u0627\u0631\u062a\u0641\u0639\u062a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0628\u0646\u0633\u0628\u0629 \u062a\u0642\u0627\u0631\u0628 3%\u060c \u062d\u064a\u062b \u0648\u0635\u0644\u062a \u0625\u0644\u0649 16 \u0645\u0644\u064a\u0627\u0631 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2025\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 15.5 \u0645\u0644\u064a\u0627\u0631 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0633\u0627\u0628\u0642. \u0627\u0633\u062a\u062d\u0648\u0630\u062a \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0648\u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0639\u0644\u0649 \u0623\u0643\u062b\u0631 \u0645\u0646 88% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629\u060c \u062d\u064a\u062b \u0628\u0644\u063a\u062a 14 \u0645\u0644\u064a\u0627\u0631 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 2025 \u0645\u0642\u0627\u0628\u0644 13.9 \u0645\u0644\u064a\u0627\u0631 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 2024\u060c \u0628\u0632\u064a\u0627\u062f\u0629 \u0642\u062f\u0631\u0647\u0627 1.7%.<\/p>\n

– \u0642\u0641\u0632\u0629 \u0646\u0648\u0639\u064a\u0629 \u0641\u064a \u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0643\u0627\u0641\u0644\u064a
\n\u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0643\u0627\u0641\u0644\u064a (Takaful) \u0646\u0645\u0648\u064b\u0627 \u0643\u0628\u064a\u0631\u064b\u0627\u060c \u0648\u0625\u0646 \u0643\u0627\u0646 \u0645\u0646 \u0642\u0627\u0639\u062f\u0629 \u0645\u062a\u0648\u0627\u0636\u0639\u0629:<\/p>\n

1- \u0645\u0633\u0627\u0647\u0645\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0641\u0644: \u0628\u0644\u063a\u062a 234 \u0645\u0644\u064a\u0648\u0646 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0639\u0627\u0645\u060c \u0623\u064a \u062d\u0648\u0627\u0644\u064a 0.4% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u0643\u062a\u062a\u0628\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 113.6 \u0645\u0644\u064a\u0648\u0646 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2024\u060c \u0645\u0633\u062c\u0644\u0629 \u0642\u0641\u0632\u0629 \u0647\u0627\u0626\u0644\u0629 \u0628\u0644\u063a\u062a 106.3%.<\/p>\n

2- \u0627\u0644\u062a\u0643\u0627\u0641\u0644 \u0627\u0644\u0639\u0627\u0645: \u0628\u0644\u063a\u062a \u0645\u0633\u0627\u0647\u0645\u0627\u062a\u0647 129 \u0645\u0644\u064a\u0648\u0646 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a (\u062d\u0648\u0627\u0644\u064a 55% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0627\u062a)\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 72.6 \u0645\u0644\u064a\u0648\u0646 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2024\u060c \u0628\u0632\u064a\u0627\u062f\u0629 \u0642\u062f\u0631\u0647\u0627 78%.<\/p>\n

3- \u062a\u0643\u0627\u0641\u0644 \u0627\u0644\u0623\u0633\u0631\u0629: \u0646\u0645\u0627 \u0628\u0648\u062a\u064a\u0631\u0629 \u0623\u0633\u0631\u0639 \u0628\u0644\u063a\u062a 157%\u060c \u062d\u064a\u062b \u0648\u0635\u0644 \u0625\u0644\u0649 105 \u0645\u0644\u0627\u064a\u064a\u0646 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 41 \u0645\u0644\u064a\u0648\u0646 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a.<\/p>\n

\u0627\u0631\u062a\u0641\u0639\u062a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629 \u0641\u064a \u0627\u0644\u062a\u0643\u0627\u0641\u0644 \u0627\u0644\u0639\u0627\u0645 \u0625\u0644\u0649 18 \u0645\u0644\u064a\u0648\u0646 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0639\u0627\u0645 \u0645\u0642\u0627\u0628\u0644 16 \u0645\u0644\u064a\u0648\u0646 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 2024\u060c \u0628\u0632\u064a\u0627\u062f\u0629 14%. \u0623\u0645\u0627 \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u062a\u0643\u0627\u0641\u0644 \u0627\u0644\u0623\u0633\u0631\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629\u060c \u0641\u0642\u062f \u0648\u0635\u0644\u062a \u0625\u0644\u0649 1.2 \u0645\u0644\u064a\u0648\u0646 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a \u0645\u0642\u0627\u0628\u0644 755 \u0623\u0644\u0641 \u062f\u064a\u0646\u0627\u0631 \u062c\u0632\u0627\u0626\u0631\u064a\u060c \u0628\u0632\u064a\u0627\u062f\u0629 \u0642\u062f\u0631\u0647\u0627 53%.<\/p>\n","protected":false},"excerpt":{"rendered":"

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