Izazovi mikroosiguranja

master's thesis

• Title (english): Challenges of microinsurance
• Author: Josipa Ivančić
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Antonija Buljan (član povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2023-07-14, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Kućanstva s niskim prihodima su najviše pogođena negativnim događajima, što ima velik utjecaj na njihov prihod i sposobnost za potrošnju. Ovi ljudi su izloženi raznim rizicima, ali često nemaju adekvatnu zaštitu od njihovih posljedica, čineći ih izuzetno ranjivima, posebno u zemljama u razvoju. Mikroosiguranje potrebno u situacijama gdje vlade nisu u mogućnosti pružiti velike socijalne naknade ili subvencionirati premije osiguranja. S društvenog stajališta, mikroosiguranje bi moglo omogućiti proširenje dosega osiguranja na osobe koje dosad nisu bile osigurane. Izraz "mikro" u mikroosiguranju se odnosi na lokalni, a ne na malen opseg pokrivenosti, pri čemu se naglašavaju dobrobiti osiguranika, a ne status zaposlenja. Prije nego mikroosiguranje postane dostupno u velikom opsegu, potrebno je prevladati niz prepreka. Neke prepreke su vanjska ograničenja i prepreke isporuke, neke su nedostaci postojećih proizvoda, neke su povezane s percepcijama ljudi o osiguranju općenito, te neke su povezane s propisima o osiguranju ili njihovim nedostatkom. Tema se obrađuje na način da se ukaže na vrste koje takvo osiguranje nudi i koliko može biti korisno u zemljama u razvoju gdje si ljudi ne mogu priuštiti skupe police osiguranja. Također su objašnjene mogućnosti određivanja cijene takve police osiguranja s obzirom da moraju biti dostupne osiguranicima niskih prihoda. U tome dijelu će se navesti rizici s kojima se osiguravajuća društva susreću u ponudi takve usluge. .Završni dio rada će se bazirati na primjeru Indije, kao zemlje gdje je puno ljudi slabijeg imovinskog stanja, gdje se puno ljudi bavi poljoprivredom, a vremenski uvjeti znaju biti vrlo zahtjevni. Takav primjer najbolje pokazuje koliko je ovakva vrsta osiguranja potrebna u takvim područjima svijeta.

Abstract (english)

Low-income households are the most affected by adverse events, which have a large impact on their income and ability to spend. These people are exposed to various risks, but often do not have adequate protection against their consequences, making them extremely vulnerable, especially in developing countries. Microinsurance is needed in situations where governments are unable to provide large social benefits or subsidize insurance premiums. From a social point of view, microinsurance could enable the expansion of insurance coverage to previously uninsured people. The term "micro" in microinsurance refers to local rather than small scale coverage, emphasizing the benefits of the insured rather than employment status. Before microinsurance becomes available on a large scale, a number of hurdles need to be overcome. Some barriers are external constraints and delivery barriers, some are shortcomings of existing products, some are related to people's perceptions of insurance in general, and some are related to insurance regulations or lack thereof. The topic is covered in such a way as to indicate the types that such insurance offers and how useful it can be in developing countries where people cannot afford expensive insurance policies. Also explained are the options for determining the price of such an insurance policy, given that they must be available to low-income policyholders. In that part, the risks that insurance companies face in offering such a service will be listed. The final part of the work will be based on the example of India, as a country where there are many people with lower financial status, where many people are engaged in agriculture, and the weather conditions can be very demanding. Such an example best shows how much this type of insurance is needed in such areas of the world.

• Keywords: osiguranje; cijena; siromašno stanovništvo; osiguravajuća društva; potencijal
• Keywords (english): insurance; price; poor population; insurance companies; potential
• Language: croatian
• URN:NBN: urn:nbn:hr:148:148284
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2023-07-17 05:04:26