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professional thesis
Tehnike smanjenja rizika kod neživotnih osiguranja
Zagreb: University of Zagreb, Faculty of Science, 2018. urn:nbn:hr:217:126316
Sekelj, Tea
University of Zagreb
Faculty of Science
Department of Mathematics

Institutional repository: Repository of the Faculty of Science

Cite this document

Sekelj, T. (2018). Tehnike smanjenja rizika kod neživotnih osiguranja (Professional thesis). Zagreb: University of Zagreb, Faculty of Science. Retrieved from https://urn.nsk.hr/urn:nbn:hr:217:126316

Sekelj, Tea. "Tehnike smanjenja rizika kod neživotnih osiguranja." Professional thesis, University of Zagreb, Faculty of Science, 2018. https://urn.nsk.hr/urn:nbn:hr:217:126316

Sekelj, Tea. "Tehnike smanjenja rizika kod neživotnih osiguranja." Professional thesis, University of Zagreb, Faculty of Science, 2018. https://urn.nsk.hr/urn:nbn:hr:217:126316

Sekelj, T. (2018). 'Tehnike smanjenja rizika kod neživotnih osiguranja', Professional thesis, University of Zagreb, Faculty of Science, accessed 24 August 2024, https://urn.nsk.hr/urn:nbn:hr:217:126316

Sekelj T. Tehnike smanjenja rizika kod neživotnih osiguranja [Professional thesis]. Zagreb: University of Zagreb, Faculty of Science; 2018 [cited 2024 August 24] Available at: https://urn.nsk.hr/urn:nbn:hr:217:126316

T. Sekelj, "Tehnike smanjenja rizika kod neživotnih osiguranja", Professional thesis, University of Zagreb, Faculty of Science, Zagreb, 2018. Available at: https://urn.nsk.hr/urn:nbn:hr:217:126316

Metadata
TitleTehnike smanjenja rizika kod neživotnih osiguranja
AuthorTea Sekelj
MentorZoran Vondraček (mentor)
GranterUniversity of Zagreb
Faculty of Science
(Department of Mathematics)
Zagreb
Defense date and country2018-10-03, Croatia
Scientific / art field,
discipline and subdiscipline		NATURAL SCIENCES
Mathematics
Abstract
U radu su objašnjene ključne tehnike smanjenja rizika kod neživotnih osiguranja. Prikazana je kompleksnost tehnika koje se koriste te njihov način djelovanja. Temeljni cilj korištenja tehnika smanjenja rizika je smanjenje rizične izloženosti društva. Osiguratelj treba sagledati kako optimalno upotrijebiti tehnike smanjenja rizika kako bi u slučaju štete osiguratelj snosio posljedice sukladne njegovim kapacitetima i financijskim mogućnostima. Štete mogu biti uzrok nesolventnosti jer u situaciju kada su one veće od premije osiguranja predviđene za podmirenje šteta, osiguravajuće društvo mora posegnuti za rezervama kapitala. Glavna poluga za prijenos osigurateljnih rizika je reosiguranje kojim se osiguratelj osigurava kod reosiguratelja te preuzima u prihvat rizike iznad svojih kapaciteta. Suosiguranje je oblik distribucije rizika putem zajedničkog učešća većeg broja osiguratelja u pokriću određenog rizika, odnosno police osiguranja. Suosiguranje se u praksi mnogo rjeđe koristi od reosiguranja. Franšize i limiti pokrića su uobičajene tehnike smanjenja rizika koje se primjenjuju na pojedinačnim policama ili za određene vrste rizika. Temeljna svrha je smanjenje iznosa većih iznosa šteta ili većeg broja šteta.
Abstract (english)
This paper explains the key techniques of risk reduction in non-life insurance and complexity of these techniques. The main goal is to reduce the risk exposure of the insurance company. The insurer should consider how to optimize risk reduction techniques in order to compensate the damages according to its capacity and financial possibilities. Damages can be cause of insolvency if their amount is higher than the insurance premiums that is planned to settle the damages. The key technique for the transfer of insurance risk is the reinsurance. With reinsurance the insurer can issue policies with higher limits than would otherwise be allowed, thus being able to take on more risk because some of that risk is now transferred to the reinsurer. Coinsurance is form of risk distribution through several insurance companies, each independently taking a share of risk. It is used less in practice than reinsurance. Franchise, deductible and policy limit are usual risk reduction techniques that are used on individual policy or for certain types of risk. Their main goal is to influence on claim severity and claim frequency.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:217:126316
Study programmeTitle: Actuarial Mathematics
Study programme type: university
Study level: postgraduate specialist
Academic / professional title: sveučilišni/a specijalist/ specijalistica aktuarske matematike (sveučilišni/a specijalist/ specijalistica aktuarske matematike)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2019-03-26 11:37:17