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Changes of conception in life insurance
Babický, Toni ; Ducháčková, Eva (advisor) ; Kábrt, Tomáš (referee)
The thesis deals with complex questions of life insurance primarily on the Czech insurance market. At the beginning of the work, life insurance is described from a theoretical point of view and its main characteristics and mechanisms are outlined. In the next step, the main topics, which have the most important place in life insurance, are analysed. It is comparison of the insurance in Europe. Then, it is current use of life insurance mainly for covering of the short-term income in case of health problems. It also deals with the opinion of young people on insurance and with approach of ordinary people to the health form connected with a new contract. For the savings, there are capital and investment life insurance mentioned. The investment life insurance is the very important part because of the problems, which it has created in the last 15 years. The thesis also speaks about the possibilities of insurance for athletes. Finally, a small questionnaire had been completed by people on the street. Own contribution of the thesis is to demonstrate problematic parts of life insurance for the clients and explanation why it is so.
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Pension reform in the Czech Republic
Štekerová, Nikol ; Pletichová, Dobroslava (advisor) ; Jaroslav, Jaroslav (referee)
Czech Republic faces up to and will even face up to an unfavourable demographic progress from now on. A current situation would become completely intolerable without any transformations. Author reviews every single pillar including a closed down second pillar. In the analytical part there is a suggestion to improve a pension scheme right in several parts. Those most outstanding parts are the motives for a political and economic situation improvement because any reforms success exactly depends on economy performance, a political situation, a demographic risk elimination including elements of birth support and migration and general pension restructure. Several appropriate pension restructure conceptions are suggested. For instance: taking a corporate pension under Swedish pattern which would exclude a question of pre-pension as well. Additionally, a private pension scheme should offer the citizens of the Czech Republic more choices so that everyone could choose the provision for retirement age possibility that is the most appropriate and convenient for them.
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