Utjecaj pandemije COVID-19 na tržišta životnog osiguranja

master's thesis

• Title (english): The impact of the COVID-19 pandemic on life insurance markets
• Author: Katarina Boljanović
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Mihovil Anđelinović (član povjerenstva)
• Committee member: Antonija Buljan (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2024-06-25, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Životno osiguranje predstavlja temeljni instrument za zaštitu od određenih vrsta rizika, posebice u današnje vrijeme, kada je izloženost rizicima puno intenzivnija, te je potreba za osiguranjem sve veća. Svakodnevnu izloženost ljudi rizicima je nemoguće izbjeći, ali uz adekvatno osiguranje je moguće rizike svesti na prihvatljive razine. Razvoj životnog osiguranja u određenim zemljama uvjetovan je brojnim čimbenicima koji prvenstveno utječu na potražnju za životnim osiguranjem. Činjenica koja se može pretpostaviti, jest da zemlje s razvijenijim gospodarstvima imaju i razvijene tržište životnog osiguranja, kao i veće mogućnosti da svojim građanima ponude i različite oblike ugovaranja životnih osiguranja. Na navedeno se veže i digitalizacija distribucije osiguranja, čiji su potencijalni maksimalno iskorišteni s nastupom pandemije COVID-a 19, kada su tržišta diljem svijeta bila zatvorena. U ovom radu je provedena analiza različitih tržišta životnog osiguranja i ključnih pokazatelja njihove razvijenosti tijekom razdoblja 2018.-2022. godine, s osvrtom na razdoblje pandemije COVID-a 19 te utjecaja pandemije na daljnji razvoj tržišta, pri čemu će se dobiti uvid o utjecaju kojeg je pandemija imala na životno osiguranje i njezine potencijalne posljedice/koristi.

Abstract (english)

Life insurance is a fundamental instrument for protection against certain types of risks, especially nowadays, when exposure to risks is much more intense, and the need for insurance is increasing. It is impossible to avoid people's daily exposure to risks, but with adequate insurance it is possible to reduce risks to acceptable levels. The development of life insurance in certain countries is conditioned by numeros factors that primarily affect the demand for life insurance. The fact that can be assumed is that countries with more developed economies have a developed life insurance market, as well as greater opportunities to offer their citizens different forms of life insurance contracts. The digitalization of insurance distribution is connected to the aforementioned, the potential of which was fully utilized with the onset of the COVID-19 pandemic, when markets around the world were closed. In this paper, an analysis of different life insurance markets and key indicators of their development during the period 2018-2022, with reference to the period of the COVID 19 pandemic and the impact of the pandemic on the further development of the market, whereby an insight will be gained about the impact that the pandemic had on life insurance and its potential consequences/benefits.

• Keywords: životno osiguranje; COVID-19; penetracija i gustoća životnog osiguranja; tržišni udio životnog osiguranja
• Keywords (english): life insurance; COVID-19; life insurance penetration and density; life insurance market share
• Language: croatian
• URN:NBN: urn:nbn:hr:148:567839
• Study programme: Title: Business economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar ekonomije/sveučilišna magistra ekonomije (sveučilišni magistar ekonomije/sveučilišna magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2024-06-26 09:10:20