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The influence of the frequency of flood damages on the insurance policy
Pavlíček, Tomáš ; Daňhel, Jaroslav (advisor) ; Kiovský, Tomáš (referee)
This diploma work with the title "The influence of the frequency of flood damages on the insurance policy" has the aim to describe the impact of this kind of natural disasters on financial and insurance products. The introductory part deforms floods, their history and carries out their dividing into particular types. The second chapter shows products of insurance against floods. The following third chapter describes measures, which home insurance companies, banks and government have already accepted against floods. On the contrary the forth part is interested in proposals, which these particular subjects present within the framework of solving of the flood problems and which ones have not been accepted so far. The last fifth chapter realizes in short flood problems in Europe, especially in Germany and Slovakia.
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Current trends in the insurance markets
Nováková, Zuzana ; Daňhel, Jaroslav (advisor) ; Ducháčková, Eva (referee)
This dissertation deals with current trends in insurance. The aim of this thesis is to find and analyse the development trends, which has affected the insurance market the most in the last years and to attempt a prognosis of the future development in insurance. The first part of the thesis is focused on the main factors, which has been caused by current Global trends. There are also detected significant changes that occurred by entering of the Czech Republic to the European Union. The last subhead informs about possible indicators which we can consider the development in the Czech insurance system on and possibly compare with development in international insurance market. The crucial part of the dissertation, concerning the trends in the insurance market, is divided into 3 parts -- Trends in life insurance, Trends in non-life insurance and Trends in services which are closely connected to the insurance market. The thesis also deals with the influence of the recent economic crisis on development trends in insurance, and there is an analysis made separately for life and non-life insurance. The last part is focused on the prognosis of the future development and so outlining of possible ways the insurance market could be wending in the future.
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Analysis of insurance penetration in Central European countries
Vágner, Marek ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
This thesis deals with analysis of developments in insurance penetration in Central European countries. Initially is devoted to the comparison of world and European insurance market by insurance penetration indicators. The following section is related to the development of insurance penetration in selected Central and Eastern European countries. The thesis is then finished by an analysis of insurance markets of the Visegrad Four.
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Analysis of factors affecting stock prices of insurance companies
Frýželka, Martin ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
This diploma thesis analyzes the problems of factors influencing the behaviour of stock prices of insurance instruments. The first part defines types of analysis and specific stock insurance companies as business entities on the theoretical level. The other chapters analyze the performance of macroeconomic aggregates and their impact on share prices of insurance companies and compare specific characteristics of the insurance market and stock index shares representing insurance companies. The last part of the thesis implements technical analysis using graphical formations and technical indicators on the equity index insurance.
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Does Bonus-Malus System Encourage Drivers to be More Responsible on the Roads?
Línová, Veronika ; Hudík, Marek (advisor) ; Šťastný, Daniel (referee)
This thesis is focused on the question whether implementing of a malus policy into a bonus-malus system encourages drivers to be more responsible on the road. The drivers should be motivated to change their behaviour be aimed at decrease of reported insurance events because this system increases their premium whenever they are in an accident. To answer the given problem I used regression analysis with a random effects model and I analysed the drivers registered at insurance company Allianz in years 2000 - 2005. The result of this analysis shows that there was no change in the behaviour since the malus policy was introduced. The examined impact has been detected in case which was interacting with a different variable. The malus policy had the impact on a reduction of accidents in regions below 10 000 inhabitants. This thesis is also focused on the influence of driver characteristic and technical properties of his vehicle on reported insurance events. Tested variables are sex of the drivers, region of driver's residence, age and engine capacity. All explanatory variables have effect on the reported insurance events.
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Current problems of self-employed persons pension and sickness insurance in the field of insurance collection and benefits payment and proposals of their solution
KALIANKOVÁ, Ivana
Bachelor thesis is focused on current issues in the pension and sickness insurance of the self-employed, where fundamental changes occurred from 2009 onwards regarding not only collection of premiums but also the benefits provided by these systems. The system of insurance for self-employed persons underwent a long development period, every stage from the very beginning of insurance through interdependence of pension and sickness insurance to their complete separation affected the current behaviour of the self-employed in this field. Premiums should be understood also in terms of coverage of social incidents, which is an illness, injury, disability or old age. The amount of benefits provided from the system depends on the amount of premiums paid and the period of insurance. For this reason, attention in the thesis was paid to the issue of present statutory regulation of premiums, focusing on special-purpose sickness insurance premiums for the self-employed and the subsequent payment of benefits. Also in the field of pension insurance it is necessary to consider whether the premium payers are sufficiently aware of the link between premiums paid and the amount of such benefits, and can responsibly decide on the choice of assessment base, which has an impact on future security in retirement. The objective of this thesis is, based on an analysis of main problems which consist of complexity and comprehensibility of the existing legislation in force for self-employed persons, to suggest changes aimed at simplifying it. The given topic was studied using qualitative research through semi-structured interviews in a relatively narrow circle of self-employed persons with the aim to investigate the status quo, to get a detailed understanding and practical application of the provisions of the Act. Based on the knowledge and experience from practice, questions were prepared, which were answered not only by clients but also by District Social Security Administration Office staff in Strakonice who deal with administration of premiums. Based on evaluation of individual respondents' replies and with regard to the current problems during practical implementation of pension and sickness insurance administration, an opinion was obtained that the existing legislation is complex and confusing for the self-employed. Therefore, measures were suggested, which could be used as tips for possible amendments to legislation in the field of self-employed persons´ insurance premiums.
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Social Security, Pension and Health Insurance of Persons Engaged in Business in the District of Tábor
ČMOLÍKOVÁ, Věra
The work deals with social security in the Czech Republic. It describes the origin and development of welfare state. The origin of social security {--} its composition, benefits provided by it. Further it describes the institution providing for social security in the Czech Republic, i.e. the Czech Administration of Social Security. That institution has its territorial centres providing for social security all over the Czech Republic. It cooperates with other state bodies in matters related to social security. A part of the work is focused on general characteristics of persons engaged in business {--} who can be a person engaged in business, under which conditions, classification of persons engaged in business. etc. It includes also pension and health insurance of businesspersons, benefits resulting from such insurances to which the persons engaged in business have claim upon fulfilment of conditions given by laws. All duties and rights resulting from performance of activities of persons engaged in business are described here. The work includes statistical data from the register of persons engaged in business I was provided by the District Administration of Social Security of Tábor.
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Risk in tourist trade and its securing by products of insurance
HUŠEK, David
Topic of this thesis is risk in tourist trade and its securing by products of insurance. I tried to compare offer of travel insurance products offered by insurance companies acting on home trade. Traveling is connected with many risks. The base of travel insurance is always medical expenses insurance. In addition people can arrange other insurances, most often casualty insurance. Next part of my work considers bankruptcy insurance of travel agencies. At the end I analyzed my own questionnaire concerning travel insurance. On account of this analyze I chose 3 most desirable insurance companies and compared their offer of travel insurance.
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Risk management and risk management associated with business activities
PETRŮ, Soňa
Work deals with risk management of selected company. Risks are described in the company based on the three phases of crisis management. The first phase is to identify risks, the second valuation and risk quantification and the third control and risk financing. The work is focused mainly on prevention and company insurance. Furthermore, there are raised two fictitious crisis situations and its solutions.
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