diplomsko delo visokošolskega strokovnega študija Organizacija in management delovnih procesov
Rajko Pavlič (Author), Aleš Novak (Mentor)

Abstract

Po socialni, politični in gospodarski funkciji je zavarovanje oseb najvažnejša zavarovalna panoga. Življenjsko zavarovanje je po svoji funkciji najbolj raznovrstno in prilagodljivo. Posamezniku in njegovi družini omogoča organiziranje lastnega sistema socialne varnosti, ki je prilagojen okoliščinam, v katerih posameznik živi. Obenem pa predstavlja tudi eno najbolj dovršenih oblik dolgoročnega varčevanja prebivalstva. V Sloveniji se večina kazalnikov, ki kažejo uspešnost zavarovalništva pri nas, še vedno giblje v negativno smer in s tem tudi delež Slovenije v evropskem zavarovalnem trgu. V Sloveniji se premija na prebivalca znižuje, kljub temu pa še vedno dosega polovico zavarovalne gostote v Evropi, kjer so življenjska zavarovanja bistveno bolj razvita, kar se kaže v precej večji zavarovalni gostoti in penetraciji. Življenjska zavarovanja se pojavljajo v različnih oblikah in s tem obstaja možnost različnih kombinacij, ki omogočajo zavarovancem široko izbiro uresničevanja ciljev, ki jim je zavarovanje namenjeno. Zato smo v diplomskem delu predstavili značilnosti in posebnosti posameznih oblik življenjskih zavarovanj iz ponudbe Zavarovalnice Triglav, d.d. Pri izdelavi osebnega finančnega načrta je osnova optimalna finančna varnost in zaščita delovnih sposobnosti posameznika in družine. Ob sklenitvi življenjskega zavarovanja se pojavlja več vprašanj, ki so razložena v petem poglavju.

Keywords

zavarovanje;življenjska zavarovanja;zavarovalna gostota;

Data

Language: Slovenian
Year of publishing:
Typology: 2.11 - Undergraduate Thesis
Organization: UM FOV - Faculty of Organizational Sciences
Publisher: [R. Pavlič]
UDC: 005
COBISS: 7580947 Link will open in a new window
Views: 1061
Downloads: 131
Average score: 0 (0 votes)
Metadata: JSON JSON-RDF JSON-LD TURTLE N-TRIPLES XML RDFA MICRODATA DC-XML DC-RDF RDF

Other data

Secondary language: English
Secondary title: LIFE INSURANCE AS INVESTMENT AND INSURANCE PRODUCT
Secondary abstract: With regard to social, political and economic functions, the insurance of individuals is the most important insurance activity. Life insurance is the most varied and flexible type of insurance; it allows individuals and their families to run specific schemes for their social security that are adapted to their specific circumstances. In addition, it represents one of the most complete forms of long-term savings for the general public. In Slovenia most of the indicators are still negative, resulting in a decline of Slovenia’s share in the European insurance market. The level of premiums per capita is falling in Slovenia, but still achieves half the insurance density in Europe. The development of life insurance is considerably higher in Europe, as can be seen in the much higher insurance density and penetration. Life insurance appears in different forms, allowing different combinations that give policy holders a wide range of possibilities regarding the realisation of their goals. Therefore, we presented in our thesis the characteristics of individual types of life insurance products as provided by Zavarovalnica Triglav, d.d. When preparing a personal financial plan, the most important consideration is the optimum financial safety and the protection of the working capability of an individual, as well as the family. At the time of taking out a life-insurance policy, potential policy holders consider several questions that were dealt within the section five.
Secondary keywords: insurance;life insurance;insurance density;insurance penetration;insurance sum;
URN: URN:SI:UM:
Type (COBISS): Undergraduate thesis
Thesis comment: Univ. v Mariboru, Fak. za organizacijske vede
Pages: 45 f.
ID: 9128092