Analiza investicijskog životnog osiguranja u Republici Hrvatskoj i odabranim zemljama

master's thesis

• Title (english): Unit-linked life insurance analysis in the Republic of Croatia and selected countries
• Author: Karlo Beloglavec
• Mentor: Alen Stojanović (mentor)
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Branka Tuškan Sjauš (član povjerenstva)
• Committee member: Alen Stojanović (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2022-07-04, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Društva za osiguranje kroz svoju aktivnost na financijskim tržištima diljem svijeta utječu na gospodarstvo, a zbog velikog broja zaposlenih kao i velikog broja korisnika njihovih financijskih usluga može se reći kako su jedni od bitnijih aktera u financijskom sustavu. Osiguratelji prikupljaju novčana sredstva odnosno premiju osiguranja u zamjenu za preuzimanje raznih rizika te formiraju financijski kapital koji zatim ulažu na financijskim tržištima. Osigurateljni posao dijeli se na neživotna i životna osiguranja, a svaka od tih kategorija može se rasčlaniti na više podkategorija ili osigurateljnih usluga. Segment životnog osiguranja, iako prisutan dugi niz godina, dobio je dodatno na značaju s dužim životnim vijekom čovjeka i pitanjem adekvatnosti mirovinskih planova za stariju životnu dob. Dok su neke usluge kao što je primjer tradicionalnog životnog osiguranja poznate gotovo svima, neke novije usluge tek bi mogli dobiti veću pozornost na financijskom tržištu. Investicijsko životno osiguranje jedna je od usluga koja se u okruženju niskih kamatnih stopa nameće kao opcija korisnicima financijskih usluga. Analizom podataka o premiji i strukturi životnog i investicijskog životnog osiguranja u izabranim zemljama u Europi dolazi se do zaključka kako je u nekim zemljama kao što su Danska, Finska i Francuska takva osigurateljna usluga relativno dobro razvijena i prihvaćena. Prema pokazateljima kao što su premija investicijskog životnog osiguranja po stanovniku i udio premije investicijskog životnog osiguranja u BDP-u zemlje, može se zaključiti kako je takva osigurateljna usluga još uvijek relativno slabije razvijena u Republici Hrvatskoj u odnosu na tržišta drugih promatranih zemalja. Iako u Republici Hrvatskoj investicijsko osiguranje života još uvijek ne zauzima značajnu ulogu na osigurateljnom tržištu i relativno je slabije razvijeno u odnosu na druga promatrana tržišta, ipak primjetan je određeni napredak kroz zadnjih nekoliko godina.

Abstract (english)

Insurance companies influence the economy through their activity in financial markets around the world, and due to the large number of employees and the large number of users of their financial services, it can be said that they are one of the most important participants in the financial system globally. Insurers collect funds or insurance premiums in exchange for taking various risks and form financial capital which they then invest in the financial markets. The most intuitive classification of insurance business is non-life and life insurance, and each of these categories has several subcategories or insured products. The life insurance segment, although present for many years, has gained additional importance with extended human life expectancy and the issue of the adequacy of pension plans. While some products such as traditional life insurance are known to everyone, some new products may only get more attention from consumers of financial products. Unit-linked life insurance is one of the products that in the environment of low interest rates is seen as an alternative to users of financial products. An analysis of data on the premium and structure of life and unit-linked life insurance in selected countries in Europe leads to the conclusion that in some countries such as Denmark, Finland and France such insurance instrument is relatively well developed and accepted. According to indicators such as the unit-linked life insurance premium per capita and the share of the unit-linked life insurance premium in the country's GDP, it can be concluded that such insured product is still relatively underdeveloped in the Republic of Croatia compared to other markets. Although unit-linked life insurance in the Republic of Croatia still does not play a significant role in the insurance market and is relatively poorly developed compared to other observed markets, there has been some progress over the last few years.

• Keywords: društva za osiguranje; investicijsko životno osiguranje; premija osiguranja; tržište osiguranja
• Keywords (english): insurance company; unit-linked life insurance; insurance premium; insurance market
• Language: croatian
• URN:NBN: urn:nbn:hr:148:506958
• 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: Open access
• Created on: 2022-07-04 10:44:34