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Detection of Insurance Fraud
Minár, Tomáš ; Šrajer, Petr (referee) ; Kříž, Jiří (advisor)
This thesis focuses on the area of detection of potential insurance frauds by using Business Intelligence (BI) and its practical application to real data of compulsory and accident insurance. It describes the basic concepts of insurance business, the individual layers of BI architecture, and a detailed description of the implementation process from data transformation through the use of advanced analytical methods to the presentation of acquired information.
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Property Valuation for Insurance Purposes - a Detached House in Lipovec Damaged in a Storm
Kolmačková, Lucie ; Kosová, Jaroslava (referee) ; Šmahel, Milan (advisor)
The aim of my diploma thesis is to establish the expenditure on house insurance in a particular case, namely on a detached house in a village called Lipovec. The fundamental terms, which one has to be familiar with to understand the issues of the thesis, are illuminated in the introduction. The theoretical part is dedicated to the methods of evaluation and procedures focused on insurance business and evaluation. The particular area and the detached house are described in the practical part. Procedures stated in the theoretical part are used for conducting a survey of the particular case. Firstly, the value of the object before an insurance event (a hurricane, for instance) will be calculated. Secondly, the expenditure on refurbishment of the damaged features of the house will be calculated. Finally, considering the cost of refurbishment, the value of the object will be evaluated again. The diploma thesis might be used as an exemplary piece of work. Furthermore, it provides a reader with a deep insight into its issues.
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Innovation of Selected Insurance Products
Vlachová, Martina ; Stojanovova, Jana (referee) ; Ptáček, Roman (advisor)
Master’s thesis researches the possibility of inovation or creation of brand new insurance product on czech insurance market. In theoretical part there is basic insurance terms overview, insurance products division and description of analyses and methods used. Analysis of the insurance market at present follows and then behavior and financial situation of nearest competitors are mapped. Thesis includes questionnaire study outcomes of 179 respondents applied to personal insurance preferences and insurance portfolio. The project part applies mainly to possibility of creating new insurance product „Long-term care insurance“ and it’s implementation.
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THE METODOLOGY OF CLIENT SOLVENCY ASSESSMENT IN INSURANCE BUSINESS
Doskočil, Radek ; Dostál, Petr (advisor)
This dissertation thesis deals with problems of identifying client’s solvency in the insurance business and is drawn for the insurance companies needs. The main target of this work is a construction of methodology, which will provide managers a tool to support their decision making in cases of client solvency assessment. The basic theoretical background, an overview of the current state of the analyzed subject and the description of utilized methods are presented in the introductory part of this work. In following parts of this work is introduced a real database of insurance company’s clients, which serves as a basis to accomplish the defined goal. The source data were subject to a necessary analysis to determine the cross-correlations and variables entering the decision-making model. A large variety of traditional statistical methods, including relevant software were used to analyze the data. Decision-making model was formed with the help of artificial intelligence methods, especially fuzzy logic. The technical realization of the model was made using MATLAB software. The process of insurance company’s client solvency assessment methodology creation is described in detail and elaborated into phases. The fundamental part of the methodology, decision-making model, can be easily modified and adapted to the end user’s specific needs. The text also includes a verification and implementation of the model, an interpretation of the results, a comprehensive client solvency assessment methodology process in insurance business and the definition of contribution of this methodology to practice, theory and pedagogy.
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Issues of Sum Insured and Premium Determination in Property Insurance
Pískatá, Petra ; Šenigl, Jaroslav (referee) ; Hanák, Tomáš (advisor)
The aim of this bachelor’s thesis is to describe the issue of sum insured determination and insurance fee assessment. In the first part the insurance appraisal using metodics of insurance business are compared to real estate value assessed in accordance with law and finally to structural budget price. The second part deals with actuarial mathematics, on which the insurance rate calculation is based. Furthermore, factors having an effect on final insurance pricing are commented on. Both of these parts come with a conclusion and recommendations for all who are interested in entering into a contract. Some sound principles to follow when concluding an insurance contract of this type are also mentioned.
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Slavia - Mutual Insurance Bank 1869-1918. Business, Enterpreneurial Strategies, Social Networks.
Pojar, Vojtěch ; Kubů, Eduard (advisor) ; Šouša, Jiří (referee)
This case study analyses the evolution of the Slavia - Mutual Insurance Company between 1869- 1918. It is a contribution to the Czech business history in the ‚long' nineteenth century. It follows the development of this enterprise and relates it to the development of insurance in the Hapsburg Empire. Firstly, the author reconstructs the process of its promotion and traces its preconditions. Secondly and most importantly, this study investigates the entrepreneurial strategy of this composite insurance company in the main insurance types, in relation to the investment of company's capital and to the business outside and inside of a cartel. Thirdly, the present study tracks the development of the social basis of the company on the level of its management with respect to its structure and its social networks as well as on the level of its clientele. More generally, this study examines the social and cultural prerequisites for the growth of insurance underwriting in the Czech society. The present study is based largely on interpretation of primary sources.
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Slavia - Mutual Insurance Bank 1869-1918. Business, Enterpreneurial Strategies, Social Networks.
Pojar, Vojtěch ; Kubů, Eduard (advisor) ; Šouša, Jiří (referee)
This case study analyses the evolution of the Slavia - Mutual Insurance Company between 1869- 1918. It is a contribution to the Czech business history in the ‚long' nineteenth century. It follows the development of this enterprise and relates it to the development of insurance in the Hapsburg Empire. Firstly, the author reconstructs the process of its promotion and traces its preconditions. Secondly and most importantly, this study investigates the entrepreneurial strategy of this composite insurance company in the main insurance types, in relation to the investment of company's capital and to the business outside and inside of a cartel. Thirdly, the present study tracks the development of the social basis of the company on the level of its management with respect to its structure and its social networks as well as on the level of its clientele. More generally, this study examines the social and cultural prerequisites for the growth of insurance underwriting in the Czech society. The present study is based largely on interpretation of primary sources.
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