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Analysis of the situation on the insurance market in the Czech Republic in non-life insurance with a focus on motor insurance
Šimánek, Petr ; Drozen, František (advisor) ; Ducháčková, Eva (referee)
In the early 90. of the last century, there were significant changes in the area of the insurance in the Czech Republic. A state insurance monopoly has finished and many new laws were adopted. The thesis introduces a set of basic information about the insurance market, current legislative arrangements and various kinds of insurance. The thesis is mainly focused on insurance of motor vehicles. In detail I deal with the liability insurance of vehicles, the so-called obligatory liability where there has been a major change. The work includes the characteristics of this insurance, its importance and types of insured risks. It explains how the pricing of vehicle liability insurance in relation to previous claims performance and other criteria. The specific example is illustrated to what level these criteria can affect the final amount of the premium for the same vehicle among several insurance companies. My contribution to this area is added to the thesis in the form of my notes and recommendations. The paper also deals with insurance carriers of international road shows and the negative phenomenom, which are insurance fraud.
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The issue of public health insurance in the Czech Republic with focus on the rights and obligations of premium payers
BLAŽKOVÁ, Zdeňka
Public health insurance system with more health insurance companies fully operates in the Czech Republic since 1 January 1993. The main task of health insurance companies is collection of health insurance premiums from premium payers and reimbursement of health care to medical facilities. Legal regulations governing public health insurance in our country have changed a lot since 1993. The basic principle of our public health insurance system is the principle of solidarity. Participation in public health insurance does not depend on the decision of a citizen, but is legally required. The fundamental rights of each insured person are the right to choose a health insurance company and the right to choose a doctor or medical facility which is under contract with health insurance company of the policy holder. The theoretical part of the thesis describes basic concepts and legal regulations of public health insurance in the Czech Republic, with the help of available literature. In more detail it deals with obligations of individual groups of health insurance premium payers to health insurance company and property sanctions which can be imposed by respective health insurance company. The objective of the practical part of this thesis was to make a survey of legal awareness of policy holders {--} premium payers about their obligations under existing legislation. Two hypotheses were set in line with this objective. Hypothesis number one assumes that university graduates are more aware of obligations of the policy holder {--} public health insurance premium payer than policy holders with lower education. Hypothesis number two assumes that policy holders under the age of 50 years are more aware of obligations of the policyholder - public health insurance premium payer than policy holders aged 50 years and over. Quantitative research, method of questioning was chosen to test the hypotheses. To collect data the questionnaire technique was used. Both hypotheses were confirmed based on research findings. Objective of the thesis has been achieved. Results of the thesis may be used to increase public awareness in this area and as a base for printing information materials for health insurance companies.
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