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COMPARISON OF THE INSURANCE MARKET IN THE CZECH REPUBLIC AND IN EUROPE
KABLÁSKOVÁ, Jitka
Main aims of the work The aim of this bachelor thesis was comparison of the insurance market in the Czech Republic and in several European countries: Austria, Belgium, Germany, France, United Kingdom, Malta, The Netherlands, Poland, Italy, Spain, Portugal, Luxembourg, Sweden, Greece and Slovakia. Subjects of comparison were premium (life and non-life premium),investments, employees and companies, concentration ratio and penetration rate. Second aim was to compare the products of investment life insurance in some insurance companies in the Czech Republic. These companies were Česká pojišťovna, a.s., Generali a.s. and Uniqa a.s. Results The important result for the Czech insurance market is finding that life premium income is much lower in the Czech Republic than in developed European countries. Strong growth of life premium income in developed European countries demonstrates the healthy economic environment. It also reflects confidence of insured in life products as an investment for pensions or as an alternative investment in a period of low interest rates, which offer a good return with a good guarantee of capital security. The result of this bachelor thesis is proposal for the new investment life insurance designed for the Czech insurance market.
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