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Insurance of serious illnesses
Rezek, Vojtěch ; Ducháčková, Eva (advisor) ; Černochová, Martina (referee)
This bachelors thesis deals with the insurance of serious illnesses and its significance in the insurance market in the Czech Republic. Firstly, the thesis outlines the basic characteristics of this insurance and the types of serious illnesses it covers. In addition, the history of the development of this type of insurance in the world insurance market and its use in the Czech environment is briefly discussed. Furthermore, this dissertation lists the technical parameters of the insurance in the insurance contract and their practical utilization. Moreover, the specifics of the most serious illnesses from multiple expert perspectives are discussed, followed by examining the modern trends in this insurance policy. The second part of this thesis analyses statistical data on the number of diagnoses and deaths of serious illnesses in a given period of time, thus determining the frequency of these illnesses. Additionally, state financial support in cases of serious illnesses is discussed. The thesis concludes with the calculations of the insurance premiums in serious illness insurance, comparing different insurers and the amount of indemnity in the given period. The aim of this dissertation is to analyse the statistical data concerning the insurance of serious illnesses, affirming the importance of obtaining insurance of this health risk in life insurance contracts on the basis of the analysis carried out in the practical part of the thesis.
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