master's thesis
COMPARATIVE ANALYSIS OF LIFE INSURANCE ON CROATIAN AND SERBIAN MARKET INSURANCE

Robert Mijatović (2017)
Sveučilište Josipa Jurja Strossmayera u Osijeku
Ekonomski fakultet u Osijeku
Katedra za financije i računovodstvo
Metadata
TitleKomparativna analiza životnih osiguranja na tržištima osiguranja Hrvatske i Srbije
AuthorRobert Mijatović
Mentor(s)Branko Matić (thesis advisor)
Abstract
Osiguranje se jednom od definicija definira kao ekonomski instrument kojim određena osoba zamjenjuje određenu svotu premije za relativno veliki i neizvjestan financijski gubitak. Rizik se smatra osnovnim činiteljem, osnovnom pretpostavkom, bez čega osiguranje ne bi moglo postojati. Poslovni rizici društava za osiguranje su rizici pribave, operativni rizici, investicijski rizici i reosigurateljni rizik. Ugovori o osiguranju su ugovori o naknadi štete te se svi temelje na načelu osigurljivog interesa. Premija osiguranja je cijena osiguranja koju osiguratelj naplaćuje od ugovaratelja osiguranja za preuzimanje rizika. Premija osiguranja se sastoji od tehničke ili čiste premije i dodatka na premiju osiguranja. Sudionici u osiguranju mogu biti ugovaratelj osiguranja, osiguranik, korisnik osiguranja, osiguravatelj, reosiguravatelj, zastupnik u osiguranju i posrednik u osiguranju. Ugovaratelj osiguranja je pravna ili fizička osoba koja s osiguravajućim društvom sklopi ugovor o osiguranju. Osiguranik je osigurana osoba. Korisnik osiguranja je pravna ili fizička osoba koja ima pravo na naknadu temeljem ugovora o osiguranju ukoliko nastupi osigurani slučaj. Osiguravatelj je pravna osoba koja na tržištu osiguranja pruža uslugu osiguranja odnosno obavlja poslove osiguranja. Reosiguratelj je pravna osoba koja obavlja poslove reosiguranja. Posrednik u osiguranju je fizička osoba koja posjeduje odgovarajuću dozvolu Agencije za poslove posredovanja u osiguranju i reosiguranju. Jedan od kriterija razlikovanja vrsta osiguranja je podjela na neživotna i životna osiguranja. Najčešća životna osiguranja su osiguranja za slučaj smrti i osiguranje za slučaj življenja.
KeywordsInsurance risk the insured the insurance contract the insurance market
Parallel title (English)COMPARATIVE ANALYSIS OF LIFE INSURANCE ON CROATIAN AND SERBIAN MARKET INSURANCE
Committee MembersBranko Matić (committee chairperson)
Branko Novak (committee member)
Blaženka Hadrović Zekić (committee member)
GranterSveučilište Josipa Jurja Strossmayera u Osijeku
Ekonomski fakultet u Osijeku
Lower level organizational unitsKatedra za financije i računovodstvo
PlaceOsijek
StateCroatia
Scientific field, discipline, subdisciplineSOCIAL SCIENCES
Economics
Finance
Study programme typeuniversity
Study levelgraduate
Study programmeBusiness economy; specializations in: Business Informatics
Study specializationBusiness Informatics
Academic title abbreviationmag.oec.
Genremaster's thesis
Language Croatian
Defense date2017-03-29
Parallel abstract (English)
One of the definitions of insurance say that insurance is defined as an economic instrument that particular person replaces a certain amount of premium for a relatively large and uncertain financial loss. Risk is the primary factor, the basic premise, without insurance could not exist. Business risks of insurance risks are operational risks, investment risks and reinsurance risk. Insurance contracts are contracts on damages and they are all based on the principle of insurable interest. The price of insurance that the insurer paid by the policyholder to take risks is call insurance premium. The insurance premium consists of technical or pure premium and the addition of the insurance premium. The participants in the insurance may be the policyholder, the insured, the beneficiary, the insurer, reinsurer, insurance agent and insurance broker. Policyholder is a legal or natural person who enters into an agreement with the insurer on insurance. Insured is the insured person. Insurance beneficiary is a legal or natural person who is entitled to compensation under a contract of insurance if the insurance case happens. The insurer is a legal entity in the insurance market provides service insurance or carrying on insurance business. Reinsurer is a legal entity which carries on reinsurance business. Insurance broker is a natural person who has an appropriate license from the Agency for mediation in insurance and reinsurance. One of the criteria for distinguishing a type of insurance is a division of the non-life and life insurance. The most common life insurance are insurance in case of death and insurance in case of life.
Parallel keywords (Croatian)osiguranje rizik osiguranik ugovor o osiguranju tržište osiguranja
Resource typetext
Access conditionAccess restricted to students and staff of home institution
Terms of usehttp://rightsstatements.org/vocab/InC/1.0/
URN:NBNhttps://urn.nsk.hr/urn:nbn:hr:145:954277
CommitterGordana Kradijan