|
|
Analysis of car insurance offers in Czech Republic
POTĚŠIL, Dominik
This work deals with analysis of car insurance in Czech Republic. The aim of the bachelor thesis is to explain for what purpose is this insurance determined. The thesis is divided into the theoretical and practical part. The theoretical is focused on explanation of the terms which are used in all of work and which are the most important for clients when they are looking for the best car insurance. This part also shows how is this type of insurance defined in law of our country and some accessories which are related with basic insurance. The practical part is based on comparing many chosen insurance companies. In the first part there is a comparison by Partners company with one vehicle and three different person with choosing the ideal variant. Second part comparing one person with five different cars by Allianz insurance company.
|
|
|
Analysis of the Motor third party liability on the Czech market
Janatová, Denisa ; Radová, Jarmila (advisor) ; Cibulka, Jakub (referee)
The aim of this bachelor thesis is to analyze offers of compulsory liability on the Czech market. The whole analysis is to compare the price offers of the third-party liability insurance at Partners with insurance companies and e-portals such as E-Insurance, Srovnator.cz, Compare24 and finally with the Mandatory Guaranty.com portal. The first chapter describes one of the basic pillars of non-life insurance, namely liability insurance. There is also a breakdown of responsibility according to the three most important factors. The second chapter deals specifically with Motor third party liability insurance and the specific requirements of this insurance that every car owner should know. The third chapter briefly mentions the vehicle's accident insurance. The fourth chapter shows the percentage comparison and comparison of the individual parts of the non-life insurance market in the Czech Republic. At the same time, the comparison of the shares of all the insurers providing compulsory liability to the insurance policies. The fifth and final chapters analyze market prices for a predefined vehicle and person. The object is also to point out the differences in the accident insurance and to increase the total insurance premium due to the arrangement of supplementary insurance.
|
|
|
Bonus - Malus System with Deductibles
Kubát, Petr ; Mazurová, Lucie (advisor) ; Pešta, Michal (referee)
This thesis deals with the option of substitution of malus surcharge on pre- mium in a classical bonus - malus system with deductible. Firstly, we clarify the basic principles of bonus - malus systems, then we show how to model the expec- ted claim amount of the insureds based on their characteristics and we explain how to correctly select values of premium discounts and surcharges in the classes of bonus - malus systems. Next we clarify the concept of deductible and introduce the technique of its application on these systems. Finally we show the practical application of deductible on two models of bonus - malus systems and we evaluate and compare the results. 1
|
|
|
The impacts of regulatory fees in health care on public health insurance
PRAŽMOVÁ, Věra
The Public health insurance system in the Czech Republic was established more than 20 years ago. During this period, the public health insurance system has gone through many transformations. A lot of reform proposals have been submitted with the aim of keeping the increase of healthcare expenses under control but simultaneously not limiting the quality and the accessibility of healthcare. The introduction of the regulatory fees was a part of the healthcare reformation and its purpose was to reduce the demand for healthcare and thus regulate the consumption of health services. Secondarily, the regulatory fees should bring private funds into healthcare system. In the theoretical part of the research, the author describes healthcare systems of several European countries mainly from the point of view of cost sharing by patients. The funding of healthcare in the Czech Republic is then evaluated in more detail. The research characterises all the types of regulatory fees including all the legal changes they have undergone prior to their implementation. The author summarizes the amounts of funds received from the different types of fees which patients have paid since the introduction of regulatory fees in 2012 on the basis of data received from health insurance companies. In the practical part of the research, the author analyses and statistically processes data which were taken from one specific bureau of employee health insurance company. On the basis of this data, the author maps the development of average visits of healthcare institutions per patient in the chosen fields of ambulant care specializations. The author compares the number of average visits in 2007, which is the year before the introduction of regulatory fees, with the number of average visits after the regulations implementation that means during the 2008-2013 period. The aim was to discover whether the fees had any effect on the amount of healthcare services and whether they led to decrease in the number of patients´ visits (at the doctor). The development of the number of patients´ visits was studied in 22 different fields of ambulatory specialization in total. The collected results have been statistically processed using one sample, one-tailed T test. Furthermore, the influence of fees on the healthcare expenses was surveyed in the respective ambulatory fields. In the similar manner as with the patients´ visits, the author compares the average expenses per one patient before the introduction of regulatory fees in 2007 with the average value after the implementation of regulatory fees to the healthcare system. The research offers a comprehensive overview of these issues and can be used as a basic material for further research about regulatory fees and patient cost sharing in healthcare.
|
|
|
Analysis of demand for travel insurance in Czech Republic
Kaiserová, Jana ; Radová, Jarmila (advisor)
This bachelor thesis deals with travel insurance and insurance of travel agencies by law 159/1999. The first part deals with theoretical issues related to the topic of this work, in the second part I analyze some insurance companies which provide travel insurance in terms of services they offer and the level of rates for different types of insurance.
|
|
|
Risk management and risk management associated with business activities
PETRŮ, Soňa
Work deals with risk management of selected company. Risks are described in the company based on the three phases of crisis management. The first phase is to identify risks, the second valuation and risk quantification and the third control and risk financing. The work is focused mainly on prevention and company insurance. Furthermore, there are raised two fictitious crisis situations and its solutions.
|
guest ::
