Procjena troškovnih učinaka prijevara i zlouporaba u osiguranju neživota u Republici Hrvatskoj

master's thesis

• Title (english): Estimation of cost effects of transmissions and claims in non-life insurance in the Rebublic of Croatia
• Author: Petra Culej
• Mentor: Sanja Broz Tominac (mentor)
• Committee member: Vesna Vašiček (predsjednik povjerenstva)
• Committee member: Ivana Dražić Lutilsky (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Accounting); Zagreb
• Defense date and country: 2019-09-24, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Osiguravajuća društva imaju važnu ulogu u ekonomskom sustavu. U ovom radu ukazuje se na važnost troškovnih učinaka prijevara i zlouporaba u osiguranju neživota u Republici Hrvatskoj. Uspješno upravljanje prijevarama rezultira poboljšanjem cjelokupnog procesa što ima pozitivan efekt na osiguravajuća društva, državu, korisnika osiguranja i društva u cjelini. Kroz procjenu troškovnih učinaka prijevara i zlouporaba u osiguranju neživota vidljivo je stvarno stanje gubitaka osiguravajućih društava. Troškovni učinak za osiguravajuća društva je povećanje rashoda u isplatama šteta koji je jako visok te se odražava na poslovanje osiguravajućih društava. Podaci bilježe određen napredak, ali gubici su još uvijek previsoki. Prijevare u osiguranju globalna su pojava protiv koje se može boriti samo uz suradnju svih osiguratelja i državnih institucija na nacionalnoj i međunarodnoj razini te podizanjem svijesti o neprihvatljivosti takvog ponašanja.

Abstract (english)

Insurance companies play an important role in the economic system. This paper highlights the importance of the cost effects of fraud and abuse in insuring life in the Republic of Croatia. Successful fraud management results in an improved overall process, which has a positive effect on insurance companies, the state, insurance users and the company as a whole. Through the assessment of the cost effects of fraud and abuse in non-life insurance, the actual loss status of insurance companies is evident. The cost effect for insurance companies is to increase the expense in claims payments, which is very high and affects the business of insurance companies. The data is making some progress, but the losses are still too high. Insurance fraud is a global phenomenon that can only be fought with the cooperation of all insurers and government institutions at national and international levels and raising awareness of the unacceptability of such behavior.

• Keywords: osiguravajuća društva; neživotna osiguranja; isplaćene štete; prijevara i zlouporaba; troškovni učinak; Republika Hrvatska
• Keywords (english): insurance companies; non-life insurance; claims paid; fraud and misuse; cost effect; Republic of Croatia
• Language: croatian
• URN:NBN: urn:nbn:hr:148:356204
• Study programme: Title: Business Economics; Study programme type: university; Study level: 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: 2019-09-24 18:00:25