Prijevare u osiguranju i potencijali primjene InsurTech-a u otklanjanju prijevara u osiguranju

master's thesis

• Title (english): Insurance fraud and the potential of using InsurTech in insurance fraud detection
• Author: Emilija Vrban
• Mentor: Jakša Krišto (mentor)
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Branka Tuškan Sjauš (član povjerenstva)
• Committee member: Ana Ivanišević Hernaus (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2023-09-14, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Osiguranje je djelatnost koja osigurava zaštitu pojedincima u slučaju nastupa nekog štetnog događaja koji bi mogao imati negativan utjecaj na njihovo zdravlje, život ili imovinu. Pojedinac plaća premiju osiguranja društvu za osiguranje, a zauzvrat se ono obvezuje isplatiti osigurninu odnosno naknadu osiguraniku u slučaju nastanka štetnog događaja. Od same pojave osiguranja, bilo je slučajeva u kojima bi pojedinci pokušali izvući korist iz ove djelatnosti tako što bi lažirali nesreće, falsificirali dokumentaciju ili prijavljivali nepostojeće štete. U prošlosti je bilo zahtjevnije otkriti prijevare u osiguranju te su takvi pokušaji često bili uspješni jer društva za osiguranje nisu imala na raspolaganju svu tehnologiju koja postoji danas i koja pomaže u otklanjaju prijevara u osiguranju. Pojavom novih tehnologija te razvojem digitalnih inovacija u osiguranju pojavio se pojam InsurTech koji označava upravo korištenje novih tehnoloških rješenja u osiguranju kako bi se povećala cjelokupna učinkovitost. U radu se ukazuje na problem i učestalost kriminalnih aktivnosti u djelatnosti osiguranja te istražuju neka nova tehnološka rješenja koja mogu pomoći u sprječavanju prijevara. U svrhu ostvarivanja cilja diplomskog rada, korišteni su sekundarni izvori podataka koji se mogu pronaći u domaćoj i stranoj znanstvenoj literaturi u području osiguranja kao što su knjige, stručni radovi, publikacije, znanstveni članci, rezultati prethodno provedenih istraživanja te internetske stranice, baze podataka i drugi izvori.

Abstract (english)

Insurance is an activity that provides protection to individuals in case of the occurrence of an event that could have a negative impact on their health, life or property. An individual pays the insurance company an insurance premium, and in return, the insurance company compensates the individual in case of an adverse event. From the very beginning of insurance, there have been cases where individuals would try to profit from this industry by faking accidents, falsifying documentation or reporting non-existent damages. In the past, it was more difficult to detect insurance fraud and such attempts were often successful because insurance companies did not have all the technology that is available today and which helps in discovering insurance fraud. With the development of new technologies and digital innovations, the term InsurTech emerged, which means the use of new technological solutions in insurance in order to increase overall efficiency. This thesis points out the problem of criminal activities in the insurance industry and explores some new technological solutions that can help in preventing insurance fraud. Secondary sources of data that can be found in domestic and foreign scientific literature in the field of insurance, such as books, professional works, publications, scientific articles, results of previously conducted research, internet sites, databases and other sources were used to achieve the aim of the thesis.

• Keywords: osiguranje; prijevare u osiguranju; InsurTech; inovacije; tehnologija
• Keywords (english): insurance; insurance fraud; InsurTech; innovation; technology
• Language: croatian
• URN:NBN: urn:nbn:hr:148:941871
• 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: 2023-09-15 15:12:01