‫ تقرير زيورخ عن “المستهلك في الشرق الأوسط”: التخطيط المالي أساسي لإدارة تطور المخاطر الصحية

– النسخة السابعة من تقرير زيورخ حول “المزايا المدفوعة للعملاء” الذي يستند إلى مطالبات قُدمت للشركة لتغطية التأمين على الحياة على مدى ثلاث سنوات، تقدم رؤى فريدة حول المخاطر الصحية المتطورة في الشرق الأوسط

– التقرير يشير إلى أن مرض السرطان لدى النساء والنوبات القلبية والسكتات الدماغية لدى الرجال يعدوا من الأسباب الرئيسية لمطالبات تغطية الأمراض الخطيرة وتعويضات التأمين على الحياة

– كوفيد-19 يعتبر ثاني أكبر سبب لمطالبات التأمين على الحياة بعد النوبة القلبية والسكتة الدماغية

– 52٪ من إجمالي المزايا المدفوعة للعملاء كانت مطالبات لتغطية التأمين على الحياة، بينما 47٪ منها كانت مطالبات للتعويض عن نفقات المعيشة ونُسبت إلى أمراض خطيرة

– على مدى السنوات الثلاث الماضية، دفعت شركة زيورخ للعملاء مطالبات قدرها 144 مليون دولار  

دبي، الإمارات العربية المتحدة31  مايو 2022/PRNewswire/ — أصدرت شركة زيورخ إنترناشيونال لايف ليمتد، وهي جزء من مجموعة زيورخ للتأمين السويسرية، النسخة السابعة من تقرير “المزايا المدفوعة للعملاء في الشرق الأوسط” الذي يستند إلى المطالبات الرسمية التي قدمت للشركة لتغطية المعيشة والتأمين على الحياة في الفترة الممتدة من يناير 2019 إلى ديسمبر 2021، ويهدف إلى زيادة الوعي حول ضرورة التأمين على الحياة والحماية من الأمراض الخطيرة لضمان المزيد من الاستقرار والأمان المالي.

Wilson Varghese, Head of Operations, Zurich

 ويشير التقرير إلى أن السرطان يأتي في طليعة الأمراض الخطيرة التي تم تغطيتها من قبل الشركة، بنسبة(48٪)،خلال السنوات الثلاث الماضية، بينما جاءت النوبات القلبية والسكتات الدماغية في المرتبة الثانية  بنسبة(35٪)، وفيروس كوفيد-19 في المرتبة الثالثة (24٪).

ووفق التقرير، شكل الرجال نسبة 66 ٪ والنساء 34 ٪ من المطالبات لتغطية أمراض خطيرة، واستحوذ الرجال على الحصة الأكبر (78٪) من المطالبات لتغطية التأمين على الحياة والنساء 22٪. وكان السرطان السبب الرئيسي لكل من مطالبات تغطية الأمراض الخطيرة (84٪) والتأمين على الحياة (41٪) بين النساء، بينما كانت النوبات القلبية والسكتات الدماغية المصدر الرئيسي لكل من المطالبات لتغطية الأمراض الخطيرة (62٪) ومطالبات التأمين على الحياة (41%) بين الرجال.

وفي إطار تعليقه على نتائج التقرير، قال ويلسون فارغيز رئيس العمليات في زيورخ: “إن قاعدة عملائنا ليست سوى عينة نموذجية تمثل المجتمع المتنوع في الإمارات. وتعكس النتائج المستخلصة من التقرير تطور وتغير المخاطر الصحية التي نواجهها خصوصًا بعد الجائحة، لذا من الضروري أن يعمد الأشخاص المستقلين ماليًا إلى حماية أنفسهم وأحبائهم وتحصين ذاتهم ماليًا، واتخاذ إجراءات استباقية بشأن صحتهم. ويعتبر أسلوب الحياة النشط والنظام الغذائي الصحي والفحوصات الطبية المنتظمة ضرورية لتحديد عوامل الخطر والحد منها والتمتع بنوعية حياة أفضل”.

ونظرًا للتنوع القائم بين المطالبين من ناحية العمر والجنس ونمط الحياة يؤكد التقرير ضرورة تقييم احتياجات التأمين على المستوى الفردي، لكي يتمتع جميع أفراد العائلة بالتغطية التأمينية الفريدة وحلول الحماية التي تتجاوز التأمين الطبي الموحد.

وتابع فارغيز: “تتمثل رؤيتنا في تمكين المجتمع ليكون جاهزًا للحياة. وقد حرصت شركة زيورخ على دفع نحو 98% من المطالبات على الحياة وذلك انطلاقًا من التزامها بدعم العملاء الذين هم بأمس الحاجة إليها”.

ووفق التقرير، بلغ متوسط عمر المطالبين بتغطية الأمراض الخطيرة 49 عامًا وبلغ عمر أصغر مطالب أربع سنوات وعمر أصغر مطالب بالغ 29 عامًا، وبلغ متوسط عمر المطالبين بتعويضات التأمين على الحياة 54 عامًا وعمر أصغر مطالب 28 عامًا.

وفي السنوات الثلاث الماضية بلغت قيمة أعلى مطالبة تم تقديمها لتغطية مرض خطير مليون دولار، وأعلى مطالبة فردية لتعويضات التأمين على الحياة 5.93 مليون دولار. ودفعت الشركة 144 مليون دولار من المطالبات في الفترة الممتدة من يناير 2019 إلى ديسمبر 2021، وشكلت المطالبات المتعلقة بتغطية الأمراض الخطيرة نحو 47% منها، والمطالبات المتعلقة بتغطية تعويضات التأمين على الحياة 52% منها، والمطالبات لتغطية الإعاقة الدائمة والشاملة 1% منها.

لمحة عن مجموعة زيورخ

مجموعة زيورخ للتأمين (زيورخ) هي شركة تأمين رائدة متعددة المجالات تخدم أكثر من 55 مليون عميل ما بين أفراد وشركات صغيرة ومتوسطة وكبيرة، وتقدّم باقة واسعة من منتجات وخدمات التأمين على الممتلكات والتأمين على الحياة في أكثر من 210 دول وإقليم. وتتطلع الشركة التي تأسست منذ أكثر من 150 عامًا إلى إحداث نقلة نوعية في قطاع التأمين. وإلى جانب توفير خدمات التأمين على الحياة، تسعى زيورخ جاهدة إلى تقديم خدمات وقائية تعزز الرفاهية والقدرة على التكيف مع التغيرات المناخية.

تسعى زيورخ إلى بلوغ هدفها المتمثل في خلق مستقبل أكثر إشراقًا للجميع، ولتكون واحدة من أكثر الشركات المسؤولة وتأثيرًا في العالم لذا تهدف للوصول إلى صفر انبعاثات كربونية مع حلول العام 2050، وقد صنفت كواحدة من أكثر شركات التأمين استدامة في العالم، وفق تقييم استدامة الشركات العالمية من ستاندر آند بورز.  توظّف المجموعة التي تتخذ من زيورخ، سويسرا مقرًا رئيسيًا لها 56,000 شخص تقريباً. الشركة القابضة، Zurich Insurance Group Ltd (ZURN) ، مدرجة في البورصة SIX السويسرية وتتمتّع ببرنامج إيصال الإيداع الأمريكي من المستوى الأول (ZURVY) ، ويتم تداولها بشكل مباشر في أسواق التداول OTCQX. مزيدٌ من المعلومات عن زيورخ مُتاحة على https://www.zurich.com/en

لمحة عن زيورخ إنترناشيونال لايف ليمتد

زيورخ إنترناشيونال لايف ليمتد جزءٌ من مجموعة زيورخ للتأمين تمّ تأسيسها في جزيرة مان وتم ترخيصها من قبل هيئة الخدمات المالية في جزيرة مان. تمتلك الشركة فروعاً قائمة ومسجلة في دولة الإمارات العربية المتحدة ومرخص لها من قبل مصرف الإمارات العربية المتّحدة المركزي، وفي البحرين ومرخّص لها من قبل مصرف البحرين المركزي، وفي مركز قطر للمال ومرخص لها من قبل هيئة تنظيم مركز قطر للمال. الشركة مسجّلة في دولة الإمارات العربية المتحدة (رقم التسجيل 63) بموجب القانون الاتحادي لدولة الإمارات العربية المتحدة رقم 6 لعام 2007، وتخضع أنشطتها في الإمارات العربية المتحدة لهذا القانون. مزيد من المعلومات عن زيورخ إنترناشيونال لايف ليمتد مُتاحة عبر الرابط التالي https://www.zurich.ae /

Photo – https://mma.prnewswire.com/media/1829743/Zurich_International_Life.jpg 

Keep Pressure on Sudan’s Coup Leaders

Researcher, Africa

On May 29, Sudan’s military leaders announced they were lifting a state of emergency imposed seven months ago that has been used as cover for a relentless attack on the country’s tenacious protest movement and to further entrench impunity for security force crimes. Authorities have also released at least 100 detainees who were held in connection to the protests, according to lawyers. While these are positive steps, ongoing repression and Sudan’s military leaders’ long history of deflecting criticism require scrutiny and pressure for real change to increase, not lessen.

The move occurs ahead of an expected visit by the United Nations designated expert on human rights in the Sudan. During his last visit in February, authorities released 115 people in Khartoum on bail. Shortly after, arbitrary arrests resumed.

Ninety-eight people have been killed during protests since the October 2021 coup. Human Rights Watch has also documented how security forces have beaten and otherwise ill-treated detained protesters, including stripping child detainees naked and threatening sexual violence against women. We also found hundreds had been unlawfully detained, and some forcibly disappeared since the coup, notably by the police and the General Investigation Service (GIS).

No one has been held to account for these crimes. And the repression shows no sign of abating.

On May 28, two people were killed at a protest in southern Khartoum. Doctors have recently reported treating increasingly serious injuries they believe were caused by rubber and frangible bullets as well as by teargas canisters. On May 30, after the state of emergency was lifted, police violently dispersed protesters in and around Khartoum. Doctors said 33 were injured, with six reported bullet injuries.

Friday will mark the third year anniversary of security forces’ violent disbanding of a sit-in on June 3, 2019 that left at least 120 people dead. The committee established to investigate these crimes recently announced it was suspending its activities, citing obstruction by the authorities.

Sudan’s regional and international partners need to make clear they won’t just accept cosmetic steps but will continue to use all tools at their disposal, including individual, targeted sanctions against those leading the repression.

Real change means concrete reform and credible efforts to hold those responsible for serious crimes to account. The victims of June 3, 2019, and of the violent repression since, deserve nothing less.

Source: Human Rights Watch

Minnawi says FFC groups seek to restore partnership with military in Sudan

Minni Arko Minnawi, Darfur Governor and SLM leader, accused the Forces for Freedom and Change (FFC) of seeking to restore bilateral partnership with the military component and exclude the other political forces.

In an interview with Sudan Tribune on Tuesday Minnawi held the FFC (Executive Council( responsible for the cancellation of the preliminary meeting the trilateral mechanism had planned earlier in May 2022.

The reason behind their rejection of this meeting is “the desire to create a secret bilateral partnership with the military component once again,” he said.

The UNITAMS, African Union and IGAD held a series of separate meetings with different political and social forces instead of a joint meeting to agree on a formula for the intra-Sudanese dialogue to end the current political crisis.

The FFC opposes involving political and civil society forces that were allied with the former regime in the dialogue describing them as “facades fabricated” by the military component to form a coalition enabling them to keep power and thwart the democratic transition.

However, Minnawi ruled out the failure of the dialogue process stressing it is the only option for all the parties.

He underscored that dialogue on national issues has no time limits or restrictions on the issues under discussion.

The facilitators hope to launch the process in the coming days as they emphasized that the political and economic situation does not tolerate further delay, particularly as the coup leaders lift the state of emergency and committed themselves to end bloody repression.

The SLM leader said the political crisis was not caused by the military coup of October 2021.

The stalemate began on April 11, 2019, “when the Forces for Freedom and Change betrayed (its partners of the Sudanese Revolutionary Front) and replaced them with the military component based on racist and ideological grounds.”

“Even the rift and the disruption of institutions existed a month before October 25,” he added.

He went further to say that the events of October 25 were part of a race between the two former partners.

“Maybe the military managed to eliminate them. Nonetheless, that was not the beginning of the crisis, but one of its ramifications,” he said.

After the collapse of the al-Bashir regime in April 2019, the FFC and the armed groups of the Sudanese Revolutionary Forces (SRF) failed to reach an agreement enabling them to join the negotiations with the Transitional Military Council.

The military and civilian components signed a political declaration and the Constitutional Declaration on August 17, 2019, without the SRF groups which opted for peace talks with the transitional government.

Following the signing of the Juba Peace Agreement in October 2020, Minnawi continued to demand to review Constitutional Declaration to end “the grip” of the Forces for Freedom and Change on power.

When Gen Abdel Fattah al-Burhan rejected to transfer the chairmanship of the Sovereign Council to civilians and refused to implement security reforms, the SLM leader and his allies led demonstrations and sit-ins calling on the army to seize power and dissolve Hamdok’s government.

Rumoured return of Islamists

Minnawi denied the return of Islamists to power after the coup of October 25.

He described reports about the return of Sudanese Islamists as “mere rumours by parties who have fears and want to rule without elections.”

“The return of the Islamists and their control of the state’s affairs will not happen. The fact that they are active in the political arena is a natural right for every Sudanese.”

Unity of the Sudanese Revolutionary Front

Minnawi ruled out the reunification of the alliance of the armed groups.

He said all the political coalitions, including the SRF, only aimed to bring down the former regime but did not have clear policies for the post-Bashir regime.

“S, this hastened the collapse of these alliances after the change”.

“The Revolutionary Front fell on September 15, 2015, when the SPLM-N refused to fulfil its constitutional commitment,” he said referring to a first split that had occurred at the time when Agar refuse to cede the chairmanship of the alliance to a Darfurian group.

Source: Sudan Tribune

Execution-Style Killings Emblematic of Impunity by South Sudan Army

Researcher, Africa Division

On May 25, 16-year-old Justin Lisok Lomuresuk, a primary school student from Kiri boma of Kajokeji in South Sudan’s Central Equatoria state, was cutting wood when he found the decomposing body of a soldier tied to a tree. He told his siblings, who then reported it to local authorities.

The next day, while villagers, local officials, and police gathered at the scene, around 25 soldiers arrived in a pickup truck and on motorcycles. A commanding officer ordered Lomuresuk, his 18-year-old brother, Saviour Yamba Lomuresuk, and a 38-year-old neighbor, Taka Iga Wani to sit down, then four soldiers sprayed them with bullets, killing them. The authorities had not questioned the three or anyone else about the suspected crime. These heinous summary executions appear to be done as a form of collective punishment.

Later that day, soldiers arrested Lomuresuk’s sister Kabang Jeska and took her, along with her two-year-old child, to the army barracks in Wudu town. The soldiers also arrested Yongo Henry, Taban Shadrach, and an unidentified civilian without specifying their offences. On Tuesday evening, officials released Jeska, her baby, and Shadrach, but two other civilians remain in detention without charge or visitation nearly a week later. Relatives worry they could be subjected to torture or other ill-treatment or even forcibly disappeared.

Civilians should never be held in military facilities. Authorities should release the remaining two and ensure all army officers implicated in these criminal violations are held to account in civilian courts.

State and military authorities have promised to investigate the killings, but their record casts serious doubt on whether their investigation will be credible. On March 7, a military officer summarily killed Philip Wani Yapete in Kansuk, Kajokeji, allegedly in connection with burning of logging trucks by unknown people. An investigation was allegedly opened, but nothing is known about it.

The reality is that South Sudan’s army routinely carries out and conceals heinous criminal violations, such as summary executions and torture, with impunity. Efforts to address this have been fledgling and often focus on low-ranking officers.

It is long overdue that there be a high cost for these flagrant abuses. The military should issue unequivocal orders, followed by swift measures to ensure that these crimes are neither ignored nor tolerated.

Source: Human Rights Watch

U.N, EU welcome lifting of Sudan’s state of emergency

The United Nations has welcomed the lifting of the state of emergency in Sudan, describing it as an important?step to create a conducive environment for direct, intra-Sudanese talks?to end?the political crisis in the country.

On Sunday, the head of the Sovereign Council Lt Gen Abdel Fattah al-Burhan lifted the state of emergency imposed on October 25, 2022, as part of the confidence building measures for an intra-Sudanese dialogue process facilitated by the UN, African Union and the regional bloc (IGAD).

“We encourage the authorities to complete the release of political detainees,” said Stephane Dujarric, spokesman for UN Secretary-General Antonio Guterres, adding that “We continue to call on them to fully respect the right to peaceful assembly and freedom of expression”.

The official, however, urged stakeholder in Sudan to engage in constructive dialogue?in good faith?to find a way out of this crisis.

He assured that the trilateral mechanism consisting of the UN Mission in Sudan (UNITAMS), AU and IGAD will continue to work collaboratively to help facilitate a Sudanese owned and led solution and to find a way to end the political impasse in Sudan.

Separately, the European Union commended the lifting of the state of emergency in the country and the release of detainees, describing it as first steps in creating the much needed conducive environment for dialogue.

“We also welcome the decision to allow the Al Jazeera Mubasher channel to resume its operations in Sudan. Time is of the essence for Sudan’s efforts to find an inclusive and sustainable way out of the current crisis, which is severely affecting the population,” the EU said in a statement on Tuesday.

The EU urged authorities to continue their efforts to create a truly conducive environment for dialogue, by completing the release of those who were detained since 25 October last, ensuring due process to those detainees who face criminal charges against them and effectively ending the violence against peaceful demonstrators, allowing them to enjoy their basic human rights of assembly and expression.

“It is crucial for alleged violations of human rights to be investigated and for perpetrators to be held to account,” further stressed the statement.

The European body called upon all the parties in Sudan to engage actively and constructively in the dialogue efforts, facilitated by the tripartite initiative of UNITAMS, AU and IGAD, while pledging its full support for the support.

Source: Sudan Tribune

FAO receives $12m to address “acute” food insecurity in Sudan

The United Nations Central Emergency Response Fund (CERF) has donated $12m to enable the Food and Agricultural Organization (FAO) in Sudan to respond to the soaring acute food insecurity exacerbated by the potential impacts of the ongoing war in Ukraine.

The grant, FAO said, will support urgent efforts to build the resilience of resource-poor farmers and pastoralists in the 14 severely affected counties.

“This generous contribution from CERF means that FAO can urgently provide essential agricultural inputs to vulnerable farming households before the main agriculture season starts in June,” Babagana Ahmadu, FAO Representative to the Sudan said in a statement issued on Tuesday.

He added, “It will ensure that they can produce enough food to meet their needs for the months to come.”

The agency further stated that it is intensifying efforts to address soaring acute food insecurity in the Sudan which is driven by the combined impacts of armed conflict, drought, COVID-19, and low production of key staple crops related to infestation by pests and diseases and economic turmoil.

At least 10.9 million people, according to the FAO Humanitarian Response Plan for Sudan, are expected to need life-sustaining support in 2022.

In response to the dire food security situation in Sudan, FAO has reportedly launched a new project funded by CERF, which aims to restore the food security and nutrition of affected farming and pastoral communities in the country, through provision of emergency agriculture and livestock supplies.

Meanwhile, FAO said it urgently needs an additional $35 million to ensure adequate support for 2 million vulnerable farming and pastoral households to produce their own food, keep their livestock alive and productive, and strengthen their resilience.

Source: Sudan Tribune