|
THE RIGHTS AND OBLIGATIONS OF THE INSURED PEOPLE IN THE PUBLIC HEALTH INSURANCE SYSTEM
RAJČANOVÁ, Beata
I chose this theme for my thesis because I believe that everything concerning health care is widely discussed nowadays. Because of the interconnection between insurance and health care, everyone should have at least basic knowledge about this topic, most importantly about the rights and obligations. This thesis summarizes both rights and obligations of an insured person. Since this is a theoretic thesis, I decided to base it on various expert sources and unite the information about each right and obligation. In recent years the health care system is often being reformed and novelized, this thesis concerns the rights and obligations of an insured person as they are listed in Section 11 and 12 of Act No. 48/1997 Coll., on Public health insurace. Because of the fact that every insured person could also be a patient, I also followed up Act No. 372/2011 Coll., on Health care services and terms and conditions for the provision. In this thesis I explain crucial terms regarding health insurance, thus I concentrate on what insurance is and on its history. Partially I also focused on historical development of health insurance, which is connected to social politics and social security. These issues are included in some of my school subjects, so I think it is appropriate to mention the historical background. Other part of this bachelor thesis concerns legislation and principles, which the general health insurance is based on. These principles cover mandatory involvement in public health insurance, freedom of one's choice among health insurance companies and doctors, and the principle of solidarity. Then there is the main part of the thesis, which concerns individual rights and obligations. From rights of an insured person, the right to choose your health insurance company and associated issues , or the right to choose the provider of health services in the territory of the Czech Republic, are worth a mention. Widely discussed right nowadays is the right for time and place availability and also the right for inspection of provided health service. In my opinion it is important to mention a project called "Karta života" (The Card of life), which is run by ZPMV ČR and ČPZP. I would also like to mention an important right - the exercise of rights in the European Union. Nowadays a lot of people travel for work or recreation and they are surely interested in the ways the health insurance work in the European Union and individual states. There are also obligations of an insured person worth a mention - for example the obligation to notify the insurance company and the employer, and also the reimbursement of insurance, because every insured person is obliged to pay for health insurance. I believe that prevention (meaning to undergo preventive examinations when asked), is another important obligation. Since January 2014 all health insurance companies started to send invitations to clients as a part of a project called "Systém podpory prevence vybraných nádorových onemocnění v ČR screeningové programy" (System for support of prevention of selected neoplastic diseases in the Czech Republic - screening programmes). I think that health insurance companies are taking a step in the right direction with this preventive programme. Large amounts of money can be saved thanks to correct prevention. In my opinion we all should focus on prevention in the future - particularly on preventive examinations, vaccinations, etc.
|
|
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.
|