Uloga društava za osiguranje na tržištu zdravstvenih usluga u razdoblju COVID-19 krize

master's thesis

• Title (english): The role of insurance companies in the health services market during the COVID-19 crisis
• Author: Matea Cviljak
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Hrvoje Šimović (predsjednik povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-07-12, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

U ovom radu je analizirana uloga društava za osiguranje na tržištu zdravstvenih usluga u razdoblju COVID-19 krize. Zdravstveno osiguranje je nakon mirovinskog osiguranja najvažniji sustav socijalne sigurnosti. To je osiguranje koje pokriva dio troškova nastalih uslijed potrebe za zdravstvenom zaštitom i zdravstvenom skrbi osiguranika i jedno je od temeljnih prava svakog građana. U Republici Hrvatskoj postoji obvezno i dobrovoljno zdravstveno osiguranje, te se obvezno temelji na načelima uzajamnosti, solidarnosti i jednakosti. S obzirom da je obvezno zdravstveno osiguranje ograničeno i ne pokriva sve troškove, na značajnosti dobiva dobrovoljno zdravstveno osiguranje. Krajem 2019. godine javlja se novi virus, COVID-19, koji uzrokuje promjene u zdravstvenom sustavu. U radu je pojmovno određen zdravstveni sustav, navedeni su rizici zdravstvenog sustava te vrste i načini financiranja zdravstvenog osiguranja. Nadalje, prikazani su značenje i uloga društava za osiguranje. Također, kroz određene statističke podatke je analizirano hrvatsko tržište osiguranja te su analizirana društva za osiguranje koja pružaju usluge dobrovoljnog zdravstvenog osiguranja u Republici Hrvatskoj. Nadalje, analizirano je hrvatsko tržište zdravstvenog osiguranja. Prikazani su počeci, tijek i karakteristike pandemije uzrokovane novim koronavirusom. Prikazani su i objašnjeni oblici zdravstvenog osiguranja u Republici Hrvatskoj te su kroz određene statističke podatke analizirani pokazatelji zdravstvenog sustava u Republici Hrvatskoj za 2019. i 2020. godinu, odnosno prije i nakon pojave nove bolesti COVID-19. Također, kroz statističke podatke analizirani su pokazatelji zdravstvenog osiguranja koje pružaju društva za osiguranje te se uspoređuju podaci po mjesecima za 2019. i 2020. godinu. Cilj rada je kroz analizu podataka prije i nakon pojave pandemije koronavirusa odrediti da li je ona uzrokovala porast ugovorenih polica dobrovoljnog zdravstvenog osiguranja kod društava za osiguranje ili se povećao iznos likvidiranih šteta.

Abstract (english)

This paper analyzes the role of insurance companies in the health services market during the COVID-19 crisis. Health insurance is the most important social security system after pension insurance. It covers part of the costs incurred due to the need for health care and health care of the insured and is one of the fundamental rights of every citizen. There is compulsory and voluntary health insurance in the Republic of Croatia, and it is compulsorily based on the principles of reciprocity, solidarity and equality. Since compulsory health insurance is limited and does not cover all costs, voluntary health insurance gains in importance. In late 2019, a new virus, COVID-19, emerges, causing changes in the healthcare system. This paper conceptually defines the health care system and its risks, and it lists types and methods of financing health insurance. Furthermore, this paper presents the meaning and role of insurance companies. While using certain statistical data, the Croatian insurance market and insurance companies that provide voluntary health insurance services in the Republic of Croatia are being analyzed. COVID-19 beginning, course and characteristics are mentioned in the paper to give clear insight to the global pandemic which shook the world and took it by surprise. Health insurance forms in the Republic of Croatia are presented and explained, and using certain statistical data the indicators of the health system in the Republic of Croatia for 2019 and 2020, i.e. before and after the appearance of COVID-19 are analyzed. Also, using statistical data, health insurance indicators provided by insurance companies are analyzed, and data by months for 2019 and 2020 are compared. The aim of this paper is to analyze the data before and after the occurrence of the coronavirus pandemic to determine whether it caused an increase in contracted voluntary health insurance policies with insurance companies or increased the number of claims paid.

• Keywords: zdravstveno osiguranje; društva za osiguranje; COVID-19; pandemija; dobrovoljno zdravstveno osiguranje
• Keywords (english): health insurance; insurance companies; COVID-19; pandemic; voluntary health insurance
• Language: croatian
• URN:NBN: urn:nbn:hr:148:300647
• 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: 2021-07-13 10:25:18