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Dopady směrnice EU k životnímu pojištění na pojistný trh v České republice
Hrabalová, Eliška
My bachelor thesis deals with life insurance, definition of it and classification, and find impacts on EU directive as a consequence legislative change, which the aim was removed a discrimination by determination different premium according to gender on insurance market in the Czech Republic. The thesis is focus on life insurance and his meaning in life. For finding impact on legislative change as a consequence EU directive came into effect is using model of time series written premium of life insurance of selected insurance company. The change is demonstrating on comparison between differences before and after validity unisex directive based on model example. At the end of bachelor thesis is conclusion and evaluation.
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Life Insurance in Czech Republic
VALKOVÁ, Jana
Dissertation is engaged in the sphere of life insurance as a product of insurance business and banking. This work demonstrates the significance of life insurance and describes types of life insurance and analyzes co-temporary development of these products. There is a review of the market in Czech Republic. The own research focused on the comparison of the offer of term assurances of particular insurers is the important part of the thesis. Finally is the recommendation for the expansion of this type of insurance included.
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Riders
Sviták, David ; Hebák, Petr (advisor) ; Kocúrová, Barbora (referee)
Riders are growing more important as a part of insurance markets. The aim of this thesis is to introduce riders offered by a chosen insurance company in the Czech Republic. The next part is dedicated to the study of a structure of arranged riders in one year. A characteristic of riders and main covers a, which affect the number of arranged riders, are specified by using statistical methods. In the last part, clients are classified based on their owned riders by using cluster analysis. This thesis contains some recommenddations to create new riders.
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Product analysis of children´s life insurance in the Czech Republic
Šlégrová, Michaela ; Gruber, Petr (advisor)
This bachelor thesis deals with the main characteristics of the life insurance lastly above all children's life insurance. I try catch his development, characteristic aspects and advantages. I introduce the insurance products which the insurance companies offers in the Czech Republic. Than I describe the chosen collection of insurance products and I observe characters suitable for the analysis. At the close of the bachelor thesis there is evaluation of collection of insurance products by the theoretical a practical analysis. Level of monthly premium of elected insurance products is showed on the model example of imaginary insured person.
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Private health insurance
Sedláček, Petr ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The theme of work is private health insurance. First is it described in the system of health insurance and then in the territory of Czech Republic. In the work is analyzed a new draft bill of Public health insurance and systems of health insurance in the Europe. Main goal of the thessis is to find suitable privat insurance product for Czech Republic.
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Place of unit linked insurance in the post-crisis development.
Kiovský, Tomáš ; Daňhel, Jaroslav (advisor) ; Polák, Michal (referee)
Introductory chapter of the thesis is devoted to a major milestone in the history of insurance, i will focus on events that have significantly influenced and shaped the character development of insurance as we know it today. We will consider also the insurance situation in the Czech Republic in comparison with the European Union. This comparison should show the reader how much the reserve life insurance market in the Czech Republic, and which direction to go in the coming years. The financial crisis has affected all economic sectors. Unfavourable developments in the real estate market through banking instruments affected also global insurance market. Unit linked insurance is the most advanced form of life insurance. In many based on traditional types of life insurance, which is dedicated a separate chapter The most important chapter of my work is, as already apparent from the title of the thesis, dedicated to the unit linked insurance. We begin with the development and history, become familiar with the functioning and the most important features of unit linked insurance, we will also describe the commission system and system of operation charges, the operation of mutual funds in connection with the insurance and learn about the possible forms of indemnity. The last chapter is devoted to the methodology of Solvency 2, its role is similarly as it was in the banking sector by introducing a methodology of the Basel 2.
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Comparison of investment life insurance and pension insurance in terms of regulation and profitability
Malík, Filip ; Radová, Jarmila (advisor)
Work deals with pension insurance and investment life insurance. The aim of this work is to analyze these two products and to make their comparison in terms of profitability and control. The first two chapters are theoretical and deal with the characteristics of pension insurance and investment life insurance. The last chapter is devoted to a comparison of those two products. The essential difference between the products is due to their different nature. While the pension insurance is primarily a saving product, investment life insurance is primarily insurance product with saving component. The evaluation shows that investment life insurance can bring same earn as pension insurance, which doesn't offer insurance. But client has to undergo a higher risk and to choose the optimal investing strategy. Regulation of insurance companies and pension funds from the state is very strict. The emphasis is on protection of clients.
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Life insurance riders
Trávníček, Jan ; Daňhel, Jaroslav (advisor) ; Ducháčková, Eva (referee)
The thesis describes life insurance riders market in Czech Republic. The goal of this document is to analyze life insurance riders market with a special focus on 3 biggest life insurance companies according to premium billing amount. The first part of the thesis is dedicated to a brief description of different types of riders, I use graphs and tables for clearness. Analytical part of the thesis includes detailed description of life insurance products which are sold in Czech Republic. This analysis is purely based on public information presented at web pages and also on information obtained at counters. Comparison is focused on products width and also on particular product differences. The conclusion is that insurance companies offer similar product but after deep analysis you may see important differences. Differences could be seen in a product construction, conditions of product arrangements and also in amount of premium paid.
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