Regulatorni okvir distribucije proizvoda životnog osiguranja

master's thesis

• Title (english): Regulatory framework of life insurance products distribution
• Author: Karolina Brgles
• Mentor: Jakša Krišto (mentor)
• Committee member: Branka Tuškan Sjauš (predsjednik povjerenstva)
• Committee member: Ana Ivanišević Hernaus (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2020-09-17, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Osiguranje je ekonomski institut društvenog i gospodarskog života kojim se zaštićuje pojedinac, poslovni subjekt i gospodarski razvoj od ekonomski štetnih posljedica prirodnih sila i nesretnog slučaja. Životno osiguranje je vrsta osiguranja determinirana brojnim faktorima koji određuju njegova obilježja, a njime se rizik prerane smrti dijeli na veću skupinu ljudi koji čine rizičnu zajednicu osiguranja života. U osiguranju se potrošačem smatra svaka osoba koja ima prava i obveze u skladu s ugovorom o osiguranju. U domeni zaštite potrošača važno je da potrošač pravovremeno dobije sve informacije vezane uz ugovor, a ujedno je važna i razina njegove financijske pismenosti. Distribucija osiguranja znači djelatnost predlaganja ugovora o osiguranju, savjetovanje o njima ili obavljanja drugih pripremnih radnji za sklapanje ugovora o osiguranju, ili sklapanja takvih ugovora, ili pružanja pomoći pri upravljanju takvim ugovorima i njihovu izvršavanju, posebno u slučaju rješavanja odštetnog zahtjeva, uključujući pružanje informacija o jednom ili više ugovora o osiguranju u skladu s kriterijima koje odabiru potrošači putem internetske stranice ili nekog drugog medija i sastavljanje rang-liste proizvoda osiguranja, uključujući i usporedbu cijena i proizvoda ili popust na cijenu ugovora o osiguranju, ako potrošač može izravno ili neizravno sklopiti ugovor o osiguranju na internetskoj stranici ili drugom mediju. Direktiva o distribuciji osiguranja stupila je na snagu 23. veljače 2016. godine, a njome se propisuju pravila osnivanja i obavljanja poslova distribucije osiguranja i reosiguranja u Europskoj uniji. U Republici Hrvatskoj se, kroz novi Zakon o osiguranju implementira Direktiva o distribuciji osiguranja što donosi značajne promjene u sektoru osiguranja. Pandemija COVID 19 dovela je do negativnih promjena u sektoru osiguranja, no nadležne institucije i društva za osiguranje trude se raznim mjerama smanjiti moguće negativne posljedice.

Abstract (english)

Insurance is an economic institute of social and economic life that protects an individual, business entity and economic development from the economically damaging consequences of natural forces and unlucky cases. Life insurance is a type of insurance determined by a number of factors that determine its characteristics, and it divides the risk of premature death into a larger group of people who make up the risk life insurance community. In insurance, a consumer is considered to be any person who has rights and obligations in accordance with the insurance contract. In the field of consumer protection, it is important that the consumer receives all the information related to the contract in a timely manner, and the level of his financial literacy is also important. Insurance distribution means the activity of proposing insurance contracts, consulting them or carrying out other preparatory actions for the conclusion of insurance contracts, or concluding such contracts, or providing assistance in managing such contracts and their execution, particularly in the case of solving claims, including providing information on one or more insurance contracts in accordance with the criteria chosen by consumers through an Internet site or another medium and the compilation of a list of insurance products, including price and product comparison or discount on the price of the insurance contract if the consumer can directly or indirectly conclude a contract about insurance on an internet site or other media. The Insurance Distribution Directive entered into force on February 23, 2016, and it regulates rules for the establishment and performance of insurance and reinsurance operations in the European Union. In Croatia, through the new Insurance Act, the Insurance Distribution Directive is implemented, which makes significant changes in the insurance sector. The COVID 19 pandemic has led to negative changes in the insurance sector, but the competent institutions and insurance companies are trying to reduce the possible negative consequences with various measures.

• Keywords: životno osiguranje; zaštita potrošača; Direktiva o distribuciji osiguranja; trendovi u industriji osiguranja; utjecaj COVID 19
• Keywords (english): life insurance; consumer protection; The Insurance Distribution Directive; trends in the insurance industry; influence of COVID 19
• Language: croatian
• URN:NBN: urn:nbn:hr:148:248164
• 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: 2020-09-22 08:46:43