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1
Webb, David Langston. "The temporal development of strategy : patterns in the UK insurance industry." Thesis, University of Warwick, 1999. http://wrap.warwick.ac.uk/109824/.
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Much writing in the field of strategic management remains an exercise in comparative statics. Cross sectional research methods are combined with the notion of stable equilibria to analyse the fit between the positioning or resource base of the firm and its performance However, the inadequacies of this tradition are increasingly being recognised even by the scholars who created it (Porter 1991). Strategy can no longer be conceived through the static language of states or positions and must be understood as an innovation contest where the bureaucratic and inflexible will not survive (Webb and Pettigrew 1999). This study takes up the challenge to explore the dynamics of strategy development. The empirical focus of the paper is the UK insurance industry in the 1980s and 1990s, a period of considerable upheaval. By means of an innovative cross-correlational time series analysis, we are able to show the ebb and flow of strategic change in the industry and the patterns of initiation and imitation as certain firms lead in areas of strategy and others follow A comparative case study analysis enabled the micro processes and internal contexts of consistent early and late adopters of strategy to be investigated The findings of our case studies were interrogated and interpreted by developing theoretical ideas from three literatures which historically have not talked to one another These are the literatures on innovation, institutionalism and contextualism The empirical results show firms pursuing multiple strategies at one point in time and altering the strategic agenda over time Our analysis of nine firms reveals the existence of leaders and laggards in the development of a variety of strategic initiatives The comparative case studies indicate that the ‘strategic agility’ of a firm depends both on management having the ability to act and the context in which such action occurs being receptive.
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Werner, Stephan D. "Endogenous risk in non-life insurance : evidence from the German insurance sector during the Interwar period." Thesis, London School of Economics and Political Science (University of London), 2016. http://etheses.lse.ac.uk/3269/.
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Motivated by the recent 2007/2008 Financial Crisis, this dissertation identifies endogenous risk in the German insurance sector during the Interwar sector. In the context of principal agent theory, endogenous risk is the result of a company reacting to shocks that are generated and amplified within the financial system by shifting risk from shareholders to policyholders. This dissertation provides analytical support for this interdependence on the basis of established financial as well as actuarial models and assumptions. The empirical analysis considers the German insurance sector during the Interwar period due to the presence of a pronounced business cycle, the absence of exogenous low-probability high-cost events, a consistent regulatory framework as well as available quantitative data. The econometric analysis is based on four newly compiled datasets that collect the 1924 gold account opening balances, company- as well as line-specific financial information, and stock price quotations for all publicly traded German insurance companies during the Interwar period. The dissertation finds that during the Interwar period in the German insurance sector (Ch.2), the risk of getting discontinued prior to default (3) led companies to cater dividend payout (Ch.4) and reinsurance operations (Ch.5) to an optimistic investor clientele (Ch.6), yet in contrast to the underwriting cycle (Ch.7).
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Nurullah, Mohamed. "Interface of insurance and banking in European countries." Thesis, City, University of London, 2000. http://openaccess.city.ac.uk/17895/.
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This thesis investigates one of the crucial issues currently facing the European financial institutions, in particular, banks and insurance companies. Currently in Europe, the banks are engaging into insurance business, and, the insurance companies, to a lesser effect, are engaging into banking business. These cross-business activities have broken down the long tradition of separation of these two financial industries, and have raised many questions. But there is little evidence on this issue, theoretically as well as empirically. This thesis is a kind of interdisciplinary approach and it has two parts. In the first part, the thesis examines various interfaces that exist between the European banks and insurance companies from two perspectives: banks' perspective as well as insurance companies' perspective. (Chapter two and three respectively). Based on industrial economic theory, organisation theory, the strategy & international business theory, and the regulation theory, a historical analysis is employed for the examination of these various interfaces. The thesis also examines the traditional relationships and traditional distribution channels of banks as well as insurance companies and the development of their current changing patterns. Driving forces for these changing interfaces and the regulation concerning changes of interface are also considered in the thesis (Chapter four). The EC Directives on banking and insurance are also given their due weight for this examination. One of the major contributions in the first part is to make a theoretical development of this new area, and the creation of 'bancassurance' and 'assurancebank' data that is scarce and can be invaluable for further research and development on this issue. Some of these data are used in the second part of the thesis. In the second part of the thesis, two sets of empirical tests are conducted. The first test is the test of return and risk effects on European bank holding companies diversification into various insurance business, namely life assurance underwriting, general insurance underwriting, and insurance broking business. The second test is opposite to the first one, i.e. the test of return and risk effects on European insurance holding companies diversification into banking business (Chapter five and six respectively). Based on finance literature, econometric work is employed for these tests. The results of the first test shows that banks significantly increase their risk in underwriting of life as well as underwriting of general insurance business. Expansion in life underwriting significantly increases returns but the effect on return from expanding in general insurance underwriting is not significant. The most profitable expansion is into insurance broking business since our results indicate a significant positive effect on return with no adverse effects on risk. On the other hand, the results of the second test shows that the insurance companies bankruptcy risk although increases, two other risk measurements indicate significant risk reduction, and the return in this case does not have significant effect. This suggests that only the cross-business distribution activities should be permitted and the cross-business underwriting activities should be restricted in order to reduce the probability of bankruptcies.
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Afrifa, Rexford. "The use of mobile commerce to improve the services of life insurance post sale activities." Thesis, Nelson Mandela Metropolitan University, 2008. http://hdl.handle.net/10948/913.
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Mobile commerce, due to its inherent characteristics of mobility and reachability in enhancing personalized services provides an excellent means for life insurers to exploit such avenue in their service offerings. The objective of this study was to determine whether mobile commerce can be used to improve the services of life insurance post-sale activities. This objective was achieved with the relevant literature and empirical study. To accomplish the objective of this treatise, a triangulated research approach was selected and a multiple-case study consisting of four cases was conducted. The four cases selected comprised of leading insurers with large market share in the life insurance market in South-Africa. The primary data were collected through questionnaire and face-to-face interviews with selected respondents. The main finding shows that the respondents had a positive view about mobile commerce and its application in their companies. This was demonstrated by 80 percent of respondents who agreed that mobile commerce was more of an opportunity rather than a challenge or even a threat for the life insurance market. The results also indicate that customer relationship management, mobile messaging services and field service automation functions were used by all the insurers; although minor discrepancies were observed due to the efficiency of each firms IT infrastructure. The Internet was found to assist in the collection of more precise data, to increase service performing abilities. Some of the major obstacles that were found to hinder the deployment of mobile commerce in the industry were security concerns, low and infrequent internet usage and performance by supporting industries. Cumbersome and inefficient legacy systems were declared as the greatest technological weakness particularly by respondents from case 1 and 2. Conversely, hardware and network infrastructure, lack of software packages, lack of technical expertise and the fear of disintermediation was rated low in hindering the deployment of mobile commerce. However, according to the findings the key benefits derived from engaging in increased mobile commerce activities include enhancing customer contact and service, more transparency and speed of claims management, increasing client retention and policy extension rates hence increasing overall company profit.
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Kiriazidis, Theodoros. "The liberalisation of banking and insurance in the EEC in the 1980s." Thesis, London School of Economics and Political Science (University of London), 1991. http://etheses.lse.ac.uk/1111/.
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The purpose of this present study is to identify and evaluate obstacles in the way of liberalising banking and insurance services in the EC area. Two countries are used as cases for this purpose: the UK and Greece. The UK cases represent the barriers to freedom of financial services in the developed EC countries while the Greek cases represent those of the developing EC countries. The distinction between developed and developing countries is considered as necessary since the rationales that exist for erecting barriers to freedom of financial services seem to vary according to the level of development. In the developed countries protectionist measures are imposed to safeguard the interests of the consumers, while in the developing countries the placing of strict barriers to trade in international financial services is used mainly as support for protection of the domestic financial sector and financial protectionism. In the UK case studies barriers in the way of liberalising banking and insurance services are identified and evaluated in the light of the divergence of supervisory philosophies and practices between the UK and the continental European countries. The UK authorities have adopted a flexible supervisory system which is considered by the other European countries as one that moves in a direction inconsistent with the objective of preserving the integrity of the financial system. In the Greek case studies the analysis suggests that the unification of the European financial sectors would have detrimental effects not only on the domestic financial sector but also on the whole economy. The authorities would find it very difficult to accept a measure which would bring about complete freedom of competition, particularly within the timescale set by the EC Commission - ie the end of 1992.
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Šimko, Martin. "Trendy v optimalizácii pre vyhľadávače (užívateľa) v oblasti poistenia na Slovensku a predpoklady ďalšieho vývoja." Master's thesis, Vysoká škola ekonomická v Praze, 2012. http://www.nusl.cz/ntk/nusl-142238.
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The purpose of my Diploma Thesis is to lay out the philosophy of the internet and searching in fulltext locators and apply it to analysed environment of the insurance which is presented on the internet. Search Engine Optimization is nowadays the one faced with the activities of online marketing. Many of the views, opinions and qualitative contrasts meet and reach still bigger or smaller achievements in relation to developing locators. Diploma Thesis suggests at the fact, that conditions according to the locator decides, are changing, but the philosophy is still left. In this case and reason, the work proves efficiency of the activities by various case studies, which follow the philosophy and do not look just at the technical side of SEO.
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Walsh, Robert R. "An examination of the trade and commerce power in the regulation of insurance companies as financial institutions." Thesis, University of Ottawa (Canada), 1989. http://hdl.handle.net/10393/5568.
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Zervou, Fani. "Social insurance system of Greece : a comparison with British, American and Spanish social security systems; and econometric model." Thesis, City University London, 1997. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.264248.
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Swaby, Gerald. "A critical examination of the disproportionate rights and duties of insurers and insured vis-à-vis good faith, fraud and the settlement of insurance claims." Thesis, University of Huddersfield, 2016. http://eprints.hud.ac.uk/id/eprint/30181/.
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Over the last 250 years, insurance law has become insurer biased to the detriment of consumers and modern business. Codification of judicial precedents and business practices resulted in the Marine Insurance Act 1906. There have been two attempts since the late 1950s to recommend changes, with reviews made by the English Law Reform Committee and the Law Commission in 1980. In the late 1970s, the insurance industry bought itself out of the Unfair Contract Terms Act 1977. In 1981, non-legal changes came gradually with the introduction of the Insurance Ombudsman Bureau, which took account of the law but followed best practice. With each decade that has passed, changes in practice have deviated away from the strict legal position. The insurer no longer has an agent to arrange policies, collect premiums and complete claims forms. The late 1980s and early to mid-1990s saw the introduction of distance selling via the telephone. The late 1990s, and early into 2000, saw the massive boom in Internet sales, with search engines focused on finding the best competitively priced quotes from insurers; however, the reforms that were needed still did not occur. The Marine Insurance Act 1906 still applied and formed the basis of insurance law for many common law countries which copied the statue verbatim. As a result, these countries also had similar problems as those suffered by the insured in the UK; however, some have undergone bold reforms, as in the case of Australia, unlike the UK, which has lagged behind significantly. The Scottish Law Commission and the Law Commission instigated a joint root-andbranch review of insurance law in 2006, as a result of a British Insurance Law Association paper (Insurance Contract Law Reform and Recommendations to the Law Commission (2002)) that highlighted the discrepancies in the law towards the insured. Unfortunately, however, the Commissions chose to focus on only certain areas. This thesis does not cover these aspects. It is concerned, however, with what could broadly be termed 'good faith', the corresponding duties vis-à-vis the insured and the insurer pre- and post-contract where the insured suffers disproportionately due to the way the law has developed pro-insurer biased. This body of work supporting the award of a PhD examines these corresponding duties where the articles form a basis of a contemporary, critical examination of these duties, and develops suggestions as to how the joint Law Commissions of England and Scotland should have approached changes.
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Solcà, Tatiana. "Expected risk-adjusted return for insurance based models." Zürich : Swiss Federal Institute of Technology Zurich, Department of Mathematics, 2000. http://e-collection.ethbib.ethz.ch/show?type=dipl&nr=21.
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Būdvytytė, Kristina. "Sveikatos draudimo raida Lietuvoje 1990-2005 m." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2007. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2007~D_20070108_130336-33872.
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Kiekvienas Lietuvos gyventojas, dirbantis pagal darbo sutartį ar savarankiškai, valstybei moka nema.us mokesčius. Be to, mokesčius moka ir ūkine komercine veikla užsiimantys ūkio subjektai. Dalis mokesčių iš karto yra skirti konkrečiai sričiai finansuoti, kita dalis skirstoma vėliau, jau surinkus tam tikrą sumą. Tai tiksliniai mokesčiai, kurie yra kaupiami tam skirtuose fonduose, pavyzdžiui, valstybinio socialinio draudimo fonde, Garantiniame fonde. Tačiau didžioji dalis surinktų mokesčių kiekvienais metais LR valstybės biudžeto ir savivaldybių biudžetų finansinių rodiklių patvirtinimo įstatymu paskirstomi įvairioms reikmėms - švietimui, gynybai, socialinėms reikmėms, prie kurių priskiriama ir sveikatos apsauga. Iš komandinės ekonomikos Lietuva paveldėjo gana gremėzdišką ir neefektyvią sveikatos apsaugos sistemą, kuri ir buvo finansuojama iš visų mokėtojų surinktomis lėšomis.Health system reforms have been talked about since 1988. The aim of these reforms was development of health insurance; therefore the first draft Law on Health Insurance was passed. It gave the start to legal regulations of mandatory health insurance. After restoration of independence in Lithuania, the first steps in this direction were made. On October 23, 1990 the Seimas of the Republic of Lithuania (the then Supreme Board) adopted a law on the basics of social welfare. Six months later, these general provisions of the law were further developed in the Law on Social Insurance. In this way health insurance became a constituent part of social insurance. On May 21, 1996, the Seimas adopted final version of the Health insurance Law.
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Šyvokaitė, Jurgita. "Rinkodaros taikymas lietuvos draudimo paslaugų rinkoje." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2005. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2005~D_20050530_175641-70735.
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Master thesis, 65 pages, 18 pictures, 4 table, 39 literature sources, 5 appendages, Lithuanian language. The object of the work- insurance service marketing. The subject of the work - the research of the insurance service marketing. The aim of the work – to establish and estimate service marketing significance in an insurance business and to make suggestions of marketing implementation for companies. The goals of the work: 1.To analyse the nascency determinant elements of insurance service marketing. 2.To settle and describe a conception, functions, and essential things of insurance service marketing. 3.To analyze the peculiarities of the insurance service marketing and their determinant elements. 4.With reference to facts, to settle the size of Lithuanian insurance service market, to measure the structure of insurance service suppliers’ market and its competitive ability. 5.To find out consumers’ opinion about insurance service. 6.To estimate need and conditions of insurance service marketing implementation. Methods of the research: empirical research (questionnaire), unstruktural interview, analysis and synthesis of nonfiction, statistical material analysis, graphics, comparable, generalization. Analysing Lithuanian and foreign countries nonfiction and periodic literature about insurance service marketing, it is defined the organization particularity of the insurance service marketing, its expedience of adaptability and facility in Lithuanian insurance companies.
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Baosuwan, Kunthorn. "The study to determine customers preference of using claims system via the internet at National Insurance Company Limited, Thailand." CSUSB ScholarWorks, 2005. https://scholarworks.lib.csusb.edu/etd-project/2939.
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Atkočiūnaitė, Kristina. "Lietuvos privalomojo sveikatos draudimo sistemos įvertinimas ir tobulinimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2007. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2007~D_20070816_153124-06829.
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Tyrimo objektas – Lietuvos privalomojo sveikatos draudimo sistema. Tyrimo dalykas – privalomasis sveikatos draudimas. Darbo tikslas – įvertinus Lietuvos privalomojo sveikatos draudimo sistemą nustatyti ir pateikti tobulinimo galimybes. Uždaviniai: išnagrinėti sveikatos draudimo teorinius aspektus, sukurti sveikatos draudimo sistemos įvertinimo metodiką, įvertinti Lietuvos sveikatos draudimo modelį, atlikus Privalomojo sveikatos draudimo fondo pajamų ir išlaidų analizę, nustatyti veiksnius, įtakojančius pajamų ir išlaidų kitimą, nustatyti Lietuvos sveikatos draudimo sistemos perspektyvas, pateikti pasiūlymus sveikatos draudimo sistemos tobulinimui. Iškeltai problemai tirti ir rezultatams gauti naudoti šie tyrimo metodai: specialiosios literatūros bendrieji moksliniai tyrimo metodai – literatūros analizė ir sintezė, loginė analizė ir sintezė, indukcija ir dedukcija, loginio ir grafinio modeliavimo metodai, daugiafaktorinė regresinė analizė, laiko eilutės prognozavimas naudojant statistines funkcijas TREND, LINEST ir GROWTH, LOGEST, laiko eilutės suglodinimas ir prognozavimas. Nagrinėjant Lietuvos autorių mokslinius straipsnius, periodinę spaudą, užsienio autorių mokslinius darbus apie sveikatos draudimo sistemą, atlikta Lietuvos privalomojo sveikatos draudimo sistemos analizė ir pateikti pasiūlymai jos tobulinimui.Research object: Lithuanian compulsory health insurance system. Research subject: compulsory health insurance. Research aim: to evaluate the financing system of compulsory health insurance in Lithuania and to define the opportunity of improvement. Objectives: to analyse the theoretical aspects of health insurance and process of health insurance system in Lithuania, to delineate the government resources for health insurance, to value advantages and disadvantages of health care model, to analyse income and outcome of compulsory health insurance fund budget, to underline evidences which cause the fluctuation of incomings and expenses, to detect health insurance system prospects and to provide the recommendations for the improvement of Lithuanian compulsory health insurance system. For solving problems and research results are used these research methods: analysis and synthesis of literature, systemic analysis, logical analysis and synthesis, regression analysis, forecast calculations statistical function TREND, LINEST and GROWTH, LOGEST, methods of graphic and logical modeling. During doing the research of Lithuanian health insurance system, scientific articles by Lithuanian and foreign scientist were used to analyse Lithuanian health insurance system and to introduce the recommendations for its improvement.
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Minovič, Margarita. "Priežastinio ryšio problemos draudimo teisiniuose santykiuose." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2008. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2007~D_20080125_131444-59783.
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Priežastinis ryšys atspindi dviejų objektyviosios tikrovės reiškinų – priežasties ir pasekmės – sąsają. Draudimo teisiniuose santykiuose tai draudimo rizikos (gresiančio pavojaus) ir draudžiamojo įvykio (nuostolio, atsiradusio dėl to, kad pavojus materializavosi) ryšys. Pirmiausiai baigiamajame darbe yra atskleidžiama priežastinio ryšio bei jo tinkamo nustatymo svarba abiems sudarytos draudimo sutarties šalims. Verta akcentuoti, jog tik esant priežastiniam ryšiui tarp draudžiamos rizikos bei draudžiamojo įvykio, atsiranda draudiko pareiga mokėti draudimo išmoką. Jeigu priežastinio ryšio nėra, draudiko pareiga mokėti draudimo išmoką neatsiranda.
Šiame darbe analizuojama priežastinio ryšio draudime sąvoka, apibūdinami pagrindiniai jo požymiai, identifikuojamos bei įvertinamos priežastinio ryšio problemas draudimo teisiniuose santykiuose. Taip pat akcentuojama draudimo sutarties sąlygų aiškinimo įtaka priežastinio ryšio nustatymui ir prieinama prie išvados, kad draudimo sutarties sąlygų, ypač tų, kurios yra susijusios su draudiko suteiktos draudimo apsaugos apimtimi, aiškumas, išsamumas bei dviprasmiškų sąvokų nebuvimas sumažinama ginčų dėl priežastinio ryšio nustatymo draudime kilimo tikimybę. Nemažai dėmesio yra skiriama priežastinio ryšio draudime palyginimui su priežastiniu ryšiu civilinėje atsakomybėje, kurio pagrindu daroma išvada, kad minėti reiškiniai neturėtų būti laikomi tapačiomis teisinėmis kategorijomis. Be to, darbe išskiriamos ir analizuojamos sekančios... [toliau žr. visą tekstą]Causality reflects the connection of reason and subsequence - two phenomena of the objective reality. In the context of legal relations of insurance this is connection between covered peril (imminent risk) and insurable event (the damage, which is turned up because of materialization of the risk). Primarily the work reveals an importance of causation and its appropriate determination to both parties of the insurance contract. It worth to be emphasized that only when the causation between covered peril and insurable event exists, comes up insurer`s obligation to pay insurance payment. Otherwise when such a connection does not exist insurer has no obligation to pay insurance payment. The work presents analysis of the concept of insurance causation, defines its main features, besides the problems of insurance causation are identified and evaluated. Moreover, there is also emphasized an impact of the interpretation of insurance contract provisions to determination of causation. Insurance policy provisions which define or limit the scope of insurance are often at the center of insurance disputes. The author comes to a conclusion that clarity, particularity and unambiguity of such insurance contract provisions decrease the chance of emergence of disputes on determination of the insurance causation. Furthermore, the work considers the comparison of causation in insurance and in the institute of civil liability. On the ground of the accomplished analysis it is concluded that... [to full text]
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Aleksynaitė, Vaida. "Privalomojo sveikatos draudimo sistemos finansavimo įvertinimas ir tobulinimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2009. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2009~D_20090608_144131-24239.
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Tyrimo objektas – Lietuvos privalomojo sveikatos draudimo sistema.
Darbo tikslas – pateikti privalomojo sveikatos draudimo lėšų perskirstymo tobulinimo
galimybes.
Tyrimo dalykas – privalomojo sveikatos draudimo finansavimas ir įvertinimas.
Uždaviniai:
1. Nustatyti privalomojo sveikatos draudimo vietą šalies sveikatos apsaugos politikoje.
2. Nustatyti sveikatos draudimo finansavimo ir lėšų paskirstymo būdus ir metodus.
3. Parengti privalomojo sveikatos draudimo sistemos finansavimo vertinimo metodiką.
4. Įvertinti privalomojo sveikatos draudimo finansavimą bei lėšų paskirstymą Lietuvoje ir
pateikti tobulinimo galimybes.
Tyrimo metodai:
1. Tiriant privalomojo sveikatos draudimo vietą šalies sveikatos apsaugos politikoje bei
galimus sveikatos draudimo finansavimo būdus naudoti bendramoksliniai tyrimo metodai –
mokslinės literatūros bei teisinių dokumentų analizė ir sintezė, loginė analizė ir sintezė,
apibendrinimas.
2. Vertinant privalomojo sveikatos draudimo finansavimo ir lėšų paskirstymo situaciją
Lietuvoje – statistiniai duomenų rinkimo bei analizės metodai, teisinių Lietuvos sveikatos draudimo
dokumentų analizė ir sintezė, loginė analizė ir sintezė.
3. Statistinei informacijai apdoroti ir sisteminti panaudoti grupavimo, palyginimo,
koreliacijos ir grafinio vaizdavimo būdai.
Tyrimų rezultatai publikuoti konferencijos „Jaunasis mokslininkas 2009“ straipsnių rinkinyje
straipsnyje „Privalomojo sveikatos draudimo sistemos Lietuvoje finansavimo vertinimas“.
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Pirmojoje darbo... [toliau žr. visą tekstą]The object of the research- the compulsory health insurance system of Lithuania. The aim of the work- to provide the improvement possibilities of redistribution of the compulsory health insurance funds. The objectives of the research: 1. To determine the location of the compulsory health insurance in the health care policy; 2. To set the health insurance financing and distribution of funding methods and way; 3. To prepare the funding evaluation methodology of the compulsory health insurance. 4. To evaluate the funds of the health insurance and the allocation of the funds in Lithuania and possible opportunities of improvement. Methods of the research: 1. There were used overall scientific methods during the research of the place of the compulsory health insurance in the state health insurance policy and the possible ways of health insurance - the syntesis and analysis of the scientific literature and law documents, logical analysis and synthesis, generalization. 2. There were used statistical data compilation, the synthesis and analysis of law documents of health insurance in Lithuania, logical analysis and synthesis during the assesment of the compulsory health insurance funding and the situation of funds allocation . 3. There were used techniques of batching, comparison, correlation and graphical display to process and organize statistical information. The results of the research were published in the set articles of the conference „A Young Scientist 2009“ in the article... [to full text]
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Nicolau, Filipa Alexandra Dias. "Mortalidade e invalidez numa carteira do ramo vida : modelos teóricos e uma aplicação." Master's thesis, Instituto Superior de Economia e Gestão, 2017. http://hdl.handle.net/10400.5/14587.
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Mestrado em Actuarial ScienceNo atual contexto empresarial, cada vez mais exigente e competitivo, torna-se fundamental para qualquer empresa, no caso em concreto uma seguradora, que a estimação das suas responsabilidades futuras seja o mais realista possível. Só assim é garantida uma gestão de recursos eficiente, sem comprometer a sustentabilidade. Quando se trata de uma seguradora do ramo Vida, o grande desafio consiste em modelar os riscos biométricos subjacentes à carteira exposta (mortalidade/longevidade e invalidez) e projetá-los no longo prazo. É com relativa facilidade que se encontra na literatura modelos teóricos que pretendem modelar e projetar a mortalidade e a invalidez. No entanto, estes modelos pressupõem a existência de um amplo registo de observações, o que para muitas seguradoras nem sempre é possível. No presente trabalho são propostos dois objetivos: por um lado, fazer o levantamento dos modelos teóricos mais comuns na modelação dos riscos biométricos; por outro (e embora, segundo Kurt Lewin, there is nothing more practical than a good theory), ilustrar como na prática atuarial se implementa frequentemente a metodologia possível ao estudo da mortalidade/longevidade e invalidez de uma carteira real de dimensão relativamente pequena.
Today's increasingly demanding and competitive business environment made crucial for companies, especially for insurance companies, to have an estimation of its future liabilities as realistic as possible. This is the only way to ensure efficient resource management without compromising the firms' sustainability. When it comes to life insurance, the big challenge is to model biometric risks underlying the portfolio (mortality/longevity and disability) and to forecast them in the long term. It is easy to find in the literature theoretical models that intend to model and forecast mortality/longevity and disability. However, they assume the existence of a wide record of observations, which is not possible for many insurers. Two main objectives are proposed in the present work: on the one hand, to survey the most common theoretical models in biometric risk modeling; on the other hand (and according to Kurt Lewin although there is nothing more practical than a good theory) to illustrate how the possible methodology for the study of the mortality / longevity and disability of a relatively small real portfolio is frequently implemented in actuarial practice.
info:eu-repo/semantics/publishedVersion
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Tomaševič, Violeta. "Privalomojo draudimo teisinės raidos tendencijos Lietuvoje." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2006. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2006~D_20061213_123350-57837.
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Compulsory insurance – by law treatment obligatory insurance for some group of people or for all people.The paper introduces its readers with Lithuanian compulsory insurance’s legal development. It helps to measure the size of acts regulating the compulsory insurance and evaluate the match of European Union standards.The methodical literature of different authors was used, as well as the review of laws in relation with compulsory insurance topi.
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Guimarães, Sérgio Rangel. "Fundamentação técnica e atuarial dos seguros de vida : um estudo comparativo entre o seguro de vida individual e o seguro de vida em grupo no Brasil." reponame:Biblioteca Digital de Teses e Dissertações da UFRGS, 2003. http://hdl.handle.net/10183/3227.
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A indústria de seguros é uma atividade econômica relativamente jovem, possuindo raízes na revolução industrial. O desenvolvimento dessa indústria ocorreu de forma bastante intensa durante o século passado, quando a atividade passou a ser inserida na área de gestão de riscos. As Companhias de Seguros que trabalham nesse ambiente de negócio fundamentam todo o processo de precificação dos seus produtos em rígidas bases técnicas e atuariais. O presente trabalho dedica-se ao estudo dessas questões, abordando especificamente os seguros de vida, com ênfase à cobertura de morte. A pesquisa tem por objetivo comparar duas modalidades distintas de seguros que são ofertadas ao mercado: o seguro de vida individual e o seguro de vida em grupo. Embora ofereçam aos consumidores coberturas bastante similares, ambas as modalidades devem obedecer a requisitos e princípios técnicos diferenciados por parte das instituições que fazem a sua gestão.The insurance industry is a relatively young economic activity; its bases are found in the industrial revolution. The development of such industry occurred in a very intense way in the last century, when the activity started being placed in the area of management of risks. The insurance companies that work in this business environment base the whole pricing process of their products on rigid technical and actuarial bases. The present work aims at studying these questions, focusing on the life insurance, with emphasis on the death coverage. The research intends to explore and compare two distinct modalities of insurance that are offered to the market: the individual life insurance and the group life insurance. Even though they offer similar coverage, they must fulfill requirements and different technical principles ruled by the institutions which are responsible for their management.
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Černiauskaitė, Daiva. "UAB gyvybės draudimo ,,Bonum Publicum" veiklos analizė ir tobulinimo galimybės." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2009. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2009~D_20090430_144421-62474.
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Kiekviena gyvybės draudimo bendrovė turi pažinti ir suvokti draudėjų poreikius bei jų elgseną. Draudimo rinkoje veikia ne tik draudimo bendrovės, bet ir draudimo brokeriai.
Darbo tikslas – įvertinti gyvybės draudimo ir draudimo brokerių veiklos reikšmę vartotojams. Atlikti gyvybės draudimo rinkos ir brokerių veiklos analizę, ir pateikti, gyvybės draudimo paslaugų, pardavimą skatinančius sprendimus. Darbo tyrimo objektas - UAB ,,Bonum Publicum“: atlikta jos veiklos sisteminė analizė, nustatyti lemiantys vartotojų/ klientų elgsenos veiksniai, įtakojantys gyvybės draudimo produktų pirkimo sprendimus. Magistrinis darbas susideda iš 3 dalių:
1) aptariama gyvybės draudimo ir brokerių veiklos reikšmė kitų mokslinių šaltinų autorių atžvilgiu; apžvelgiami vartotojų elgsenos veiksniai, darantys įtaką gyvybės draudimo produkto pirkimui;
2) atskleisti UAB gyvybės draudimo ,,Bonum Publicum“ veiklos, išorinės ir vidinės aplinkos veiksniai bei jos vartotojų/ klientų elgsenos ypatumus, apsisprendimą įsigyti gyvybės draudimo produktą; ištirti brokerių veiklos, nuo jų atsiradimo iki šių dienų, rezultatus;
3) apibendrinti UAB ,,Bonum Publicum“ vartotojų/klientų elgsenos tyrimo rezultatai, kurių metu įvertinti pagrindiniai veiksniai, įtakojantys sprendimą įsigyti gyvybės draudimo produkto priėmimo procesui. Atskleista draudimo brokerių veiklos įtaka gyvybės draudimo vartotojų elgsenai.
Atliko tyrimo dėka, buvo nustatyta, jog būtina plėsti draudimo brokerių pardavimo kanalus, skatinti... [toliau žr. visą tekstą]Each life insurance company has to be aware of and realize the needs, attitude of assured. Not only insurance companies participate in the insurance market but insurance brokers are becoming more and more popular. The master’s work thesis is to estimate the importance of actions for consumers held by insurance companies and their brokers, to perform the survey of actions of life insurance and their brokers and to bring the solutions promoting selling up to discussion. The object of the research has been chosen a JS life insurance company of ‘’Bonum Publicum’’: systemic analysis of its activities has been performed to submit the determinants of consumers/clients influencing on decisions of the purchase of products of life insurance. The thesis is composed of three sections in the master’s work: 1. to submit the importance of actions of life insurance and their brokers, analysis of the activities of consumers that make great influence on selling products from life insurance companies; 2. external and inner environment factors and the actions of consumers/clients causing the reasons to get the products of life insurance; the results of actions of brokers since the very start of the JS company ‘Bonum Publicum’ were revealed. 3. the results of the research of actions of consumers/clients of JS insurance company ‘Bonum Publicum’ were summarized, the basic determinants were estimated to cause the actions of consumers by the actions of brokers. It is approached to... [to full text]
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Pereira, Mariana Mourão de Azevedo Flores. "Aspectos eticos e legais do exercicio profissional do cirurgião dentista como pessoas fisica e juridica." [s.n.], 2009. http://repositorio.unicamp.br/jspui/handle/REPOSIP/290741.
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Orientador: Eduardo Daruge JuniorDissertação (mestrado) - Universidade Estadual de Campinas, Faculdade de Odontologia de Piracicaba
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Resumo: Há pouco tempo, a maioria dos cirurgiões-dentistas que exerciam suas profissões nas cidades de Betim e Contagem limitavam-se a exercê-la como pessoa física, isto é, como profissional autônomo. Com a mudança do comportamento da sociedade, influenciada pela reforma da Constituição Federal (1988), do Código de Proteção e Defesa do Consumidor (1991), do Código Civil Brasileiro (2002), tem sido observado um aumento no número de processos éticos e judiciais, contra a classe odontológica. Concomitantemente, gerou-se também uma transformação no sistema de assistência odontológica, com a criação das empresas de prestação de serviços odontológicos. Assim, estas têm exigido uma mudança na personalidade jurídica dos profissionais, obrigando-os a se tornarem pessoas jurídicas, sem que estes tenham consciência real desta transformação. De acordo com o Código de Proteção e Defesa do Consumidor, o cirurgião-dentista enquanto pessoa física somente será responsabilizado, mediante apuração da culpa, respondendo nos moldes da Teoria da Responsabilidade Subjetiva. Entretanto, se o profissional estiver caracterizado como pessoa jurídica responderá nos termos da Teoria da Responsabilidade Objetiva, isto é, a culpa é presumida pela lei, bastando a prova da relação entre o ato e o dano, para que se tenha a obrigação de indenizar. Outro ponto importante consiste nas implicações que os profissionais passam a ter perante os órgãos públicos e tributários. Propôs-se observar o grau de conhecimento dos profissionais em relação aos aspectos éticos e legais relacionados à personalidade adotada, bem como em relação a legislação aplicada à odontologia. Para tanto foram avaliados 122 questionários e os dados obtidos foram agrupados segundo variáveis classificatórias. A análise estatística incluiu Testes de Qui-quadrado e Teste Exato de Fisher. Os resultados finais demonstraram que os cirurgiões-dentistas não estão devidamente preparados em relação aos conhecimentos éticos e legais pertinentes ao exercício profissional, tornando-se vulneráveis em casos de litígios. Em relação aos impostos, concluiu-se que os profissionais não possuem conhecimento sobre os principais impostos relacionados à cada personalidade jurídica. Em relação aos aspectos positivos e negativos de cada uma das personalidades, os principais aspectos positivos em atuar como pessoa física são a adoção da teoria da responsabilidade subjetiva e a questão tributária mais suave. Já o aspecto negativo seria a maior dificuldade em se conseguir convênios. Em se tratando da pessoa jurídica, o principal aspecto positivo é facilidade de credenciamento junto aos planos de saúde. Quanto aos aspectos negativos, temos a carga tributária, e a responsabilidade civil que não é pacífica na doutrina, nem na jurisprudência, podendo ser entendida como sendo objetiva ou subjetiva. Por fim, concluiu-se que a responsabilidade civil do profissional liberal enquanto pessoa física é, em regra, subjetiva. A responsabilidade dos planos de saúde, segundo a doutrina majoritária e jurisprudência, é objetiva. A responsabilidade civil das clínicas odontológicas é em regra, objetiva. Contudo, em relação aos danos decorrentes da prática profissional/clínica, o ato profissional regular romperia o nexo de causalidade devendo-se, avaliar a conduta do profissional antes de se responsabilizar em juízo a clínica.
Abstract: A short time ago, a greater number of surgeon-dentists who practised their functions in the cities of Betim and Contagem (Metropolitan Region of Belo Horizonte), restringed to carry out their work as an individual person, that's to say, as an independent professional. With change of behavior in society, influenced by the Federal Constitution reform 1988, the Consumer's Protection and Defender Code (1991), and the Brazilian Statue Book (Civil Code) in 2002, it has been observed an increasing number of ethical and juridical processes against the odontological class. Concomitantly, this has also originated a transformation in the odontological assistance rendered companies. So, they have urged a changing in the professionals' juridical personality, obliging them to become juridical people, even without being really conscious about this transformation. According to the Consumer's Protection and Defender Code, the dentist, as long as being in individual person, will only be considered professionally responsible, by means of a check of his culpability, answering according to the Subjective Responsibility Theory. In the meantime, if the professional is characterized as an juridical person, he will answer in the terms of the Subjective Responsibility Theory, that's to say, the guilt is presumed by law, being enough only the proof of the relation between action and damage, so that one has the obligation of indemnification. Another important point consists in the implications that the professionals begin having, before the public and tributary organs. It has been proposed to watch the professionals' rate of knowledge relating to the ethical and legal aspects concerning to the adopted personality, as well as, in regard to the legistation that is applied to Odontology. Thus, 122 questionnaires have been evaluated and the obtained results were gathered according to variable ranks. The statistic analysis has included Chi-square and Fisher exact tests. The final results showed that the surgeon-dentists are not duly prepared, concerning to the ethical and legal kwowledges, pertinent to the professional practice, becoming this way, vulnerable in case of litigations. Concerning to taxation, it has been concluded that the professional's don't have knowledge about the main taxes related to each juridical personality. In regard to the positive and negative aspects of the personalities: the main positive ones, in acting as an individual person are the adoption of the Subjective Responsibility Theory and the taxation matter, that is lighter in this case. On the other side the negative aspect would be a bigger difficulty in achieving partnerships. Concerning to the juridical person, the main positive aspect is the facility of getting credentials near the health cares. As for the negative side we have high taxes and also the damage liability which can be objective or subjective (the matter is not pacifical in the doctrine nor in the jurisprudence), so it is possible to be understood as objective or subjective. At last, it has been conclueded that the damage liability of the liberal professional, as an individual person is, as a rule, subjective. The responsibility of the insurance health, according to the majority doctrine and jurisprudence is objective. The damage liability of the odontological clinics is, as a rule, objective. However, in regard to the damages, due to the professional/clinic practice, the regular professional's act would break the nexus of causality, being necessary to evaluate the professional's conduct before blaming the clinic in trial.
Mestrado
Odontologia Legal e Deontologia
Mestre em Biologia Buco-Dental
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Zubrickienė, Aida. "Sveikatos draudimo sistema ir jos tobulinimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2006. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2006~D_20060529_075827-14159.
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The master’s final work is written in Lithuanian language, consists of 77 Pages, 23 Figures, 16 Tables, 54 References, and 11 Appendixes. KEY Words: health insurance, health insurance system, compulsory health insurance, additional (voluntary) health insurance, health insurance Fund, Compulsory Health Insurance Fund Budget, health insurance payments, financing of health attendance, health attendance costs, efficiency. Research object: health insurance system. Research subject: health insurance. Research aim: after analyzing the theoretical and practical aspects of health insurance, to evaluate health insurance system in Lithuania, to foresee its perspectives and to provide the proposals for development. Objectives: to show the theoretical aspects of health insurance, to evaluate health system in Lithuania according to the chosen criterion (financing model, incomes, costs), to foresee the perspectives of health system and to provide the proposals for development. Research methods: analysis and synthesis of literature, logical analysis and synthesis, filing, comparison, vertical and horizontal analysis, simple linear regression and correlation, forecast calculations, diagrammatical representation of data. Health insurance system in Lithuania was analyzed and evaluated as well as the proposals for it’s development were presented by using scientific literature of foreign and Lithuanian authors, legislation, chronicles of statistics and electronic information sources.
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Zaveckas, Kazimieras. "Content of duty of disclose in insurance intercourse: theoretical and practical aspects." Doctoral thesis, Lithuanian Academic Libraries Network (LABT), 2008. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2008~D_20081111_091934-44116.
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The subjects of the Doctoral Dissertation is the problem of disclosing information seen in a horizon of legal intercourse, genesis of this information, historical development and it’s implementation into practice. An obligation to disclose information seen in a horizon of legal intercourse is analyzed from the theoretical and practical points of view. This reflects upon the structure of thesis - in the first part theoretical questions linked with the obligation to disclose information, and in the other parts - peculiarities and problems of its practical implementation.
In theoretical part of the work the genesis of the obligation to disclose information that links with legal intercourse of insurance, also the main theories and doctrines which interpret and predicate existing of the obligation to disclose information in the sphere of legal intercourse. An attention must be paid also to this fact that in theoretical part of the thesis the main attention is paid to analysis the research results of obligation to disclose information and being in other social sciences. The law must be seen as a tool concerning with a regulation of social relationships and that is why when performing scientific researches we must not limit ourselves only with methods of legal regulation or with the subject and regulating the positive law. The other branches of science help to disclose peculiarities of social intercourse and give an opportunity to see social relationships from the other point of... [to full text]Disertacijoje nagrinėjama informacijos atskleidimo pareiga draudimo teisiniuose santykiuose, jos kilmė, istorinė raida, paskirtis bei praktinio įgyvendinimo ypatumai. Ši tema nagrinėjama teoriniu bei praktiniu aspektu. Tai atsispindi ir darbo struktūroje – pirmoje dalyje analizuojami su pareigą atskleisti informaciją susiję teoriniai klausimai, o kitose praktinio realizavimo ypatumai bei problematika. Teorinėje darbo dalyje nagrinėjama pareigos atskleisti informaciją draudimo teisiniuose santykiuose genezė, pagrindinės teorijos bei doktrinos, kurios aiškina ir grindžia pareigos atskleisti informaciją egzistavimą teisiniuose santykiuose. Taip pat atkreiptinas dėmesys į tai, kad disertacijos teorinėje dalyje ypatingas dėmesys yra skiriamas kitų socialinių mokslų, nagrinėjančių pareigą atskleisti informaciją, tyrimų rezultatų analizei. Teisė yra tik įrankis visuomeniniams santykiams reguliuoti, todėl atliekant mokslinius tyrimus negalima apsiriboti tik teisinio reguliavimo metodais ir pozityviosios teisės reguliavimo objektu. Kitos mokslo šakos padeda atskleisti visuomeninio santykio ypatumus, suteikia galimybę pažvelgti į visuomeninius santykius kitomis akimis. Teorinėje darbo dalyje taip pat nagrinėjama, kaip pareiga atskleisti informaciją draudimo teisiniuose santykiuose atsirado bei evoliucionavo bendrosios ir kontinentinės teisės sistemose, taip pat kokios pareigos atskleisti informaciją draudimo teisiniuose santykiuose perspektyvos Europos sutarčių teisės kontekste... [toliau žr. visą tekstą]
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Silva, Andressa Leite da. "O mercado segurador brasileiro de 1985-2007: estrutura do setor e estratégias de negócios da Bradesco Seguros S.A. e Sul América S.A." Universidade do Vale do Rio do Sinos, 2008. http://www.repositorio.jesuita.org.br/handle/UNISINOS/2765.
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Previous issue date: 25Coordenação de Aperfeiçoamento de Pessoal de Nível Superior
O setor de seguros no Brasil passou por mudanças significativas desde a abertura na economia brasileira. A pesquisa tem por objetivo analisar de que forma os grupos Bradesco Seguros S.A. e Sul América S.A. se reorganizaram e redefiniram suas estratégias de negócios, no período de 1985 a 2007, em decorrência das mudanças relevantes ocorridas no mercado segurador brasileiro. A partir de um estudo exploratório, utilizando dados de fontes de informações secundárias, buscou-se gerar explicações para responder as questões definidas pelo objetivo dessa pesquisa. Depois de concluído esse estudo pôde-se verificar que a formação dos grupos, resultou, principalmente, de suas decisões estratégicas, e não como forma de readequação às mudanças ocorridas no seu ambiente de negócios, que alteraram a estrutura do setor de seguros do Brasil. Todavia, crê-se que os grupos aproveitaram positivamente os estímulos do meio ambiente econômico. Quanto às decisões estratégicas dos grupos, no ramo auto, conclui-se que a estratégia de a
The insurance sector in Brazil has had significant changes since the open market of the Brazilian economy. This research has as its objectives to analyze how Bradesco Seguros S.A. and Sul América S.A. reorganized themselves and redefine their business strategies, from 1985 to 2007, due to the relevant changes occurred in the Brazilian insurance market. From an exploratory study, using secondary source of information, it was generated explanations to answer the questions defined as objectives of this research. After the conclusion of this study, it was possible to verify that the groups formation, resulted, mainly, from its strategic decisions, and do not as a way of re-appropriation to the changes that happened in its business atmosphere, that altered the structure of the Brazil’s insurance sector. However, it is believed that the groups took the advantage of the stimulus that came from the economic environment. As for the strategic decisions of the groups, in the auto field, it has been concluded that the st
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Jankauskaitė, Vilma. "Lietuvos respublikos sveikatos draudimo sistemos įvertinimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2005. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2005~D_20050530_132946-94527.
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The masters’s final work is written in Lithuania and consist of 80 pages, 20 Figures, 14 Tables, 38 References, 4 Appendixes. Research object: health insurance system in Lithuania. Research subject: health insurance. Research aim: to evaluate the system of health insurance in Lithuania and to present it’s development in perspective. Objectives: to analyze the theoretical aspects of health insurance and development of health insurance system in Lithuania, to fulfill the analysis of the accumulation of the income of Compulsory Health Insurance Fund Budget and distribution of the already accumulative finance, to define the factors determining the variations of income and expense; to provide the recommendations for the development of health insurance system in Lithuania. Research methods: analysis and synthesis of literature, logical analysis and synthesis, vertical analysis, methods of graphic modeling and forecast calculations. After studying the legislations of the Republic of Lithuania, scientific research works by various authors on the subject of health insurance in Lithuania, the analysis and evaluation of health insurance system as well as recommendations for the development of health insurance system were performed.
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SENA, VANDERLEI FERREIRA DE. "ANTECEDENTES DO COMPROMETIMENTO ORGANIZACIONAL DOS FUNCIONÁRIOS DE CORRETORAS DE SEGUROS E SEGURADORAS." Universidade Metodista de Sao Paulo, 2016. http://tede.metodista.br/jspui/handle/tede/1538.
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Coordenação de Aperfeiçoamento de Pessoal de Nível Superior - CAPES
The main objective of this paper is to understand which factors influence on the commitment of insurance brokers and insurance companies and, more specifically: a) measuring and comparing the commitment indicators of the employees from insurance brokers and insurance companies in three dimensions (affective, instrumental and normative); b) analyzing which factors that most influence each dimension of the commitment in the insurance industry; c) comparing the differences and similarities of the factors which influence the commitment to insurance companies and insurance brokers. The target audience is made up by professionals from the insurance market working for insurance brokers and insurance companies. The research was performed in two parts: quantitative and qualitative. The data for the quantitative research was collected through multidimensional model scale of affective, instrumental and normative commitment (Meyer & Allen, 1991), applied to 188 participants. The data of the average comparison analysis based on the T-Student test technique did not show statistically significant difference. The second part, the qualitative research, involved 11 interviews with employees from the industry in order to identify the reasons why the employees develop the commitment with each of the two types of the insurance market organizations. The research data obtained were analysed by using a content analysis technique and resulted in the model of background of insurance industry organizational commitment. It was found that the background of the affective commitment in insurance brokers is formed by the organizational climate, by the perception of justice and by the Human Resources policies and that the Human Resources policies predict the instrumental behaviour. In the insurance companies, it was found the affective commitment background are the organizational climate, the perception of support and the Human Resources policies and that the Human Resources policies predict the instrumental and normative commitment. These results contribute significantly for the management of people in the Brazilian insurance industry.
O objetivo principal deste trabalho é compreender quais fatores influenciam no comprometimento de corretoras de seguros e seguradoras, e mais especificamente: a) medir e comparar os indicadores de comprometimento dos funcionários de corretoras de seguros e seguradoras em três dimensões (afetiva, instrumental e normativa); b) analisar quais os fatores que mais influenciam cada dimensão do comprometimento no setor de seguros; c) comparar as diferenças e semelhanças dos fatores que influenciam o comprometimento em seguradoras e em corretoras. O público-alvo é formado pelos profissionais do mercado de seguros que atuam em corretoras de seguros ou seguradoras. A pesquisa foi realizada em duas partes: quantitativa e qualitativa. Os dados da pesquisa quantitativa foram colhidos por meio da escala do modelo multidimensional do comprometimento afetivo, instrumental e normativo (Meyer & Allen, 1991), aplicada em 188 participantes. Os dados da análise de comparação de médias pelo teste T-Student não apontaram diferença estatisticamente significativa. A segunda parte, qualitativa, envolveu 11 entrevistas com funcionários do setor a fim de identificar os motivos que levam os funcionários a desenvolver o comprometimento com cada um dos dois tipos de organizações do mercado de seguros. Os dados da pesquisa obtidos foram analisados utilizando-se a técnica de análise de conteúdo e resultaram no modelo de antecedentes do comprometimento organizacional do setor de seguros. Foi constatado que os antecedentes do comprometimento afetivo em corretoras de seguros são formados pelo clima organizacional, pela percepção de justiça e pelas políticas de recursos humanos, e que as políticas de recursos humanos predizem o comportamento instrumental. Nas seguradoras, constatou-se que os antecedentes do comprometimento afetivo são o clima organizacional, a percepção de suporte e as políticas de recursos humanos, e que as políticas de recursos humanos predizem os comprometimentos instrumental e normativo. Esses resultados contribuem significativamente para a gestão de pessoas do setor de seguros no Brasil.
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Peres, Vivileine Maria. "Seguros de habitação e automóvel no Brasil: uma análise da concentração e da demanda de mercado." Universidade Católica de Brasília, 2018. https://bdtd.ucb.br:8443/jspui/handle/tede/2414.
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This work analyzes two issues in the insurance market in Brazil. In the period from 2001 to 2016, we analyzed monthly premium data of all companies in the housing and automobile sectors to find the market structure for each year. Afterwards, we estimate the automobile insurance demand of the federative states with respect to the value of the premium using semiannual data from 2002 to 2010 in each of the 27 federative units of Brazil. The study concludes, in the first part concludes that there exists concentration in the housing insurance sector and for car insurance, the concentration is low, so that most ahhevart structure is the perfect competition. Furthermore, it also indicates the sensitivity of the demand for insurance with respect to the premium paid.. The approach is illustrated using data from a Brazilian insurance company.
O presente trabalho realiza dois estudos referentes ao mercado segurador no Brasil. Primeiramenmte, no período de 2001 a 2016, analisou-se dados mensais de prêmio em reais de todas as empresas nos ramos de habitação e de automóvel para analisar a estrutura de mercado para cada ano. Depois, foi estimada a demanda por seguros de automóvel das unidades federativas em relação ao valor do prêmio por meio de dados semestrais de 2002 a 2010 em cada uma das 27 unidades federativas do Brasil. O estudo conclui, na primeira parte, em relação à estrutura de mercado, que existe concentração de mercado no setor de habitação, quanto para automóvel, existe a não concentração de mercado. Ainda, indica como a variação do prêmio afeta a demanda por seguro de automóvel na segunda parte.
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Mažonienė, Kristina. "Valstybinio socialinio draudimo sistemos įvertinimas ir perspektyvos." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2005. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2005~D_20050602_153104-44393.
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Research object: the system of state social insurance. Research aim: to evaluate the state social insurance system and forecast it’s prospects. Objectives: to present a general conception of the state social insurance system; to determine a dependency of different welfare state traditions and the state social insurance system; to determine administration and financing means of the entire system; to analyze the state social insurance system in Lithuania; to evaluate the trends of the state social insurance in Lithuania and implemented reform of the system; to foresee long-term and short-term perspectives of state social insurance system. Research methods: descriptive and graphical, data systemization methods, comparative analyses, logic analyses and syntheses, analysis of literature and practical experience of individual countries. Study of periodical literature by different authors as well as legislative base on the state social insurance system’s activity helped to determine problems of this system, methods of their solution, prepare forecasts of the state social insurance development.
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Povilaitienė, Dalia. "Lietuvos privalomojo sveikatos draudimo sistemos finansavimo įvertinimas ir tobulinimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2009. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2008~D_20090114_155347-75786.
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Magistro studijų baigiamasis darbas, 76 puslapių, 21 paveikslo, 2 lentelių, 68 literatūros šaltinių, 12 priedų, lietuvių kalba.
Tyrimo objektas – Lietuvos privalomojo sveikatos draudimo sistemos finansavimas.
Tyrimo dalykas – privalomasis sveikatos draudimas.
Darbo tikslas – atlikus Lietuvos privalomojo sveikatos draudimo sistemos finansavimo analizę, nustatyti finansavimo problemas ir pateikti pasiūlymus jo tobulinimui.
Uždaviniai: išnagrinėti sveikatos draudimo teorinius aspektus, sukurti Lietuvos privalomojo sveikatos draudimo sistemos finansavimo įvertinimo metodiką, įvertinti Lietuvos privalomojo sveikatos draudimo finansavimo modelį, atskleisti sveikatos draudimo sistemos privalumus ir trūkumus, indentifikuoti privalomojo sveikatos draudimo sistemos finansavimo problemas, ištirti ir įvertinti veiksnius labiausiai įtakojančius Privalomojo sveikatos draudimo fondo biudžetą, pateikti sveikatos draudimo sistemos finansavimo tobulinimo galimybes.
Iškeltai problemai tirti ir rezultatams gauti naudoti šie tyrimo metodai: specialiosios literatūros bendrieji moksliniai tyrimo metodai – literatūros analizė ir sintezė, sisteminė analizė, loginė analizė ir sintezė, loginio ir grafinio modeliavimo metodai, daugiafaktorinė regresinė analizė, prognoziniai skaičiavimai.
Nagrinėjant Lietuvos autorių mokslinius straipsnius, periodinę spaudą, užsienio autorių mokslinius darbus apie sveikatos draudimo sistemą, atlikta Lietuvos privalomojo sveikatos draudimo sistemos finansavimo analizė... [toliau žr. visą tekstą]The research project is written in Lithuanian language and comprises of 76 pages, 21 figures, 2 tables, 68 references, 12 appendices. Research object: financing of Lithuanian compulsory health insurance system. Research subject: compulsory health insurance. Research aim: to evaluate the financing system of compulsory health insurance in Lithuania and to define the problems and opportunity of improvement. Objectives: to analyse the theoretical aspects of health insurance, create methodology of financing evaluation of Lithuanian compulsory health insurance system, evaluate model of financing of Lithuanian compulsory health insurance system, show advantages and disadvantages of health insurance system, identify problems of financing of compulsory health insurance system, analyse and evaluate factors significantly effecting compulsory health insurance fund budget, provide the recommendations for the improvement of financing of Lithuanian compulsory health insurance system. For solving problems and research results the following research methods were used: general scientific research methods of special literature - analysis and synthesis of literature, systemic analysis, logical analysis and synthesis, methods of graphic and logical modelling, multifactor regression analysis, forecast calculations. During the research of scientific articles by Lithuanian authors, periodic printings, scientific works by foreign authors about health insurance system, analysis of financing of... [to full text]
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Gonçalves, Tiago Moraes. "O seguro prestamista: uma análise sobre a natureza jurídica e a importância socioeconômica." Pontifícia Universidade Católica de São Paulo, 2012. https://tede2.pucsp.br/handle/handle/6005.
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Previous issue date: 2012-10-23The purpose of this Master's dissertation is to analyze a type of insurance contract ¬ that is becoming increasingly important in Brazil and the world, and that is sti11little 'explored by the doctrine and mistakenly interpreted by case law: the Consumer credit insurance. This type of insurance guarantees the payment of a debt of the insured person, or part thereof, in case of the occurrence of an event covered by the policy agreed upon. The consumer credit insurance is developed within the scope ofthe Consumer Society and one ofits focal points is precisely the credit, assisting in maintaining the status quo of the social structure, by making possible a significant reduction in the risk of default in the concession of credit, thus fulfilling, an important sgcial function. The analysis therefore is not Rossible, without a theoretical overflight on the socioeconomic reality that justified the creation and development of the consumer credit insurance. Furthermore, with the aim of establishing the foundations for the interpretation of this contract, the work focuses on an analysis of the insurance transaction, addressing key issues inc1udingtransindividual interests, the entrepreneurship of the insurance activity, the commutativeness of the contract and the; interest as a legalIy protected asset, as welI as a brief digression on the legal framework of the insurance contracts and legal matters conceming their legal c1assification. The work finalIy analyzes the consumer contract insurance itself, exploring all the components, coverage provided, interests involved, the practices of the insurance market in the pre-contractual stage, the completion and execution to, at the end, offer a new insight into their legal nature, aiming to contribute to the doctrine and national jurisprudence for a better understanding of this contractual model.
A presente dissertação de mestrado possui o objetivo de analisar uma modalidade de contrato de seguro que ganha cada vez mais importância no Brasil e no mundo, e que ainda é pouco explorado pela doutrina e equivocadamente interpretado pela Jurisprudência: o seguro prestamista. Essa modalidade de seguro garante o pagamento de uma dívida do segurado, ou de 'parte dela, em caso da ocorrência de uma dos eventos cobertos pelo contrato. O seguro "" prestamista se desenvolve no âmbito da Sociedade de Consumo, que tem como um de seus eixos justamente o crédito ao consumo, auxiliando na manutenção do st'atus quo da estrutura quo da estrutura social, ao possibilitar sensível diminuição do risco de inadimplência nos contratos de concessão de crédito, cumprindo, assim, importante função social. Impossível a análise, portanto, sem um sobrevoo teórico sobre a realidade socioeconômico que justificou a criação I e o desenvolvimento do seguro prestamista. Além disso, com intuito de estabelecer premissas para a interpretação deste contrato, buscou-se realizar uma análise da operação de seguros, passando por questões essenciais como a transindividualidade de interesses, a empresarialidade da atividade seguradora, a comutatividade e o interesse como bem juridicamente tutelado pelo seguro, assim como por breve digressão sobre o marco lega1 dos contratos de seguro e questões relativas à classificação jurídica dos mesmos. O trabalho, por fim, irá analisar o contrato de seguro prestamista propriamente dito, explorando as partes que o integram, as coberturas prestadas, os interesses envolvidos, as práticas do mercado de seguro na fase pré-contratual, em sua conclusão e execução, para, ao final, propor uma nova visão sobre sua natureza jurídica, visando contribuir com a doutrina e jurisprudência pátria para melhor compreensão desta figura contratual.
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Suslavičiūtė, Neringa. "UADB „Ergo Lietuva“ paslaugų rinkodaros strateginės kryptys." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2010. http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2010~D_20100617_121545-29967.
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Tyrimo objektas – UADB „Ergo Lietuva“ paslaugų rinkodara.
Tyrimo tikslas – suformuoti UADB „Ergo Lietuva“ paslaugų rinkodaros strategines kryptis.
Iškeltam tikslui pasiekti sprendžiami tokie uždaviniai:
1) išnagrinėti mokslinę – metodinę literatūrą, susijusią su draudimo paslaugų rinkodara bei jos taikymu draudimo veikloje, nustatyti pagrindines rinkodaros funkcijas, strategijas ir jų reikšmę;
2) parengti tyrimo metodiką draudimo bendrovės „Ergo Lietuva“ rinkodaros strateginio planavimo būklei nustatyti;
3) išanalizuoti draudimo paslaugų rinkodaros aplinką bei jos poveikį strateginiams rinkodaros sprendimams.
Tyrimo metodai. Analizuojant teorinę draudimo rinkodaros reikšmę taikyti bendramoksliniai tyrimo metodai – sisteminė ir lyginamoji mokslinės literatūros analizė, mokslinės literatūros studijavimas ir apibendrinimas. Tyrimo metodinį pagrindą sudaro empirinio tyrimo metodika. Atliekant rinkodarinės veiklos tyrimą naudoti kiekybiniai ir kokybiniai tyrimo metodai: analizė ir sintezė, apklausos metodas.
Tyrimo laikotarpis: 2004 – 2009 metai.
Tyrimo rezultatai:
• pirmame darbo skyriuje išnagrinėta draudimo paslaugų rinkodaros samprata ir funkcijos, draudimo rinkodaros komplekso elementų strategijos, draudimo rinkodaros strategijų reikšmės.
• antrajame skyriuje pateikiama draudimo bendrovės ,,Ergo Lietuva“ charakteristika, rinkodaros aplinkos analizė, bendrovės taikomos rinkodaros strategijos, draudimo paslaugų vartotojų nuomonės tyrimo metodika.
• trečiajame skyriuje... [toliau žr. visą tekstą]The object of the research – the service marketing of the insurance company „Ergo Lietuva“. The aim of the research – to formulate the strategic aspects of the insurance company‘s „Ergo Lietuva“ services marketing. To achieve the aim, the following problems are being solved: 1) to analyse the scientific – methodical literature related with the insurance services marketing and its application in the insurance activity, as well as, determine the basic marketing functions, strategies and their significance; 2) to prepare the methodology of the research in order to define the strategic planning condition of the insurance company „Ergo Lietuva“ marketing; 3) to analyse the environment of the insurance services‘ marketing, including its impact on the strategic marketing decisions. Research methods. The analysis of the theoretic significance of insurance marketing integrates general research methods, such as, systemic and comparative analysis of scientific literature, the study of scientific literature and generalizations. The methodical basis of the research includes the methodology of the empiric research. While conducting the analysis of the marketing activity, the following quantitative and qualitative research methods have been applied: analysis and synthesis, as well as, the interview method. Research period: 2004 – 2009. Results of research: • the first section of the work explicates the notion of insurance services marketing and its functions, the strategies of... [to full text]
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Žarnauskas, Žilvinas. "Draudiko teisės atsisakyti išmokėti draudimo išmoką įgyvendinimo problematika." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2013. http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2013~D_20130626_184809-66110.
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Draudimo teisinius santykius pakankamai išsamiai reglamentuoja Lietuvos Respublikos teisės aktai, tačiau įgyvendinant draudiko ir draudėjo teises bei pareigas kyla nemažai problemų. Magistro baigiamajame darbe atskleidžiama, kaip draudiko teisė atsisakyti mokėti draudimo išmoką yra apibrėžiama draudimo sutartyje, kokie draudimo sutarties elementai yra reikšmingi šios teisės įgyvendinimui. Apibendrinus draudiko teisės atsisakyti mokėti draudimo išmoką sampratą yra išskiriami trys pagrindiniai atvejai, kuomet draudikas, vadovaudamasis teisės aktų reglamentuojamomis taisyklėmis ir patikrinęs visą su draudiminiu įvykiu susijusią informaciją, gali įgyvendinti teisę atsisakyti mokėti draudimo išmoką: draudėjas padarė draudimo sutarties pažeidimą, draudžiamasis įvykis atsitinka dėl draudėjo tyčios ar didelio neatsargumo, įvykis yra nedraudžiamasis. Atsižvelgiant į šiuos atvejus, analizuojant doktriną ir Lietuvos teismų praktiką yra atskleidžiamos ir moksliškai bei teisiškai išanalizuojamos problemos, su kuriomis susiduria draudikai, įgyvendindami teisę atsisakyti mokėti draudimo išmoką. Magistro baigiamajame darbe kritiškai vertinama Lietuvos teismų praktika, kuri draudiko teisės atsisakyti mokėti draudimo išmoką įgyvendinimo klausimais yra nevienareikšmė ir diskutuotina. Taigi pasitelkiant analitinį, lyginamąjį, sisteminį ir aprašomasis tyrimo metodus, išanalizavus magistro baigiamajame darbe iškeltą problemą, pabaigoje pateikiamos išvados ir pasiūlymai.Insurance legal relationships seems to be detail regulated by the Republic of Lithuania law, however enforcement of the insurer and the policyholder rights and obligations raises a number of problems. The Master's thesis reveals how the insurer right to pay the insurance premium is defined in the insurance contract, which insurance contract important elements are for this right enforcement. Summarizing the conception of insurer's right to refuse to pay the insurance premium there are extracted three main cases in which the insurer, in accordance with laws and regulations governed by verifying all the insured event related information, may enforce his right to refuse to pay insurance premium: the policyholder has breached the insurance contract, prohibition event occurs on the insured's intent or gross negligence, the event is non contingency. In light of these cases, analysis of the doctrine and practice of the Lithuanian courts there are disclosed and scientifically and legally analyzed problems which face insurers enforcing the right to refuse to pay the insurance premium. The Master's thesis criticizes the Lithuanian judicial practice which is ambiguous and debatable according to the insurer's right to refuse to pay insurance premium. Therefore through an analytical, comparative, systematic and descriptive research methods, analysis of the master's thesis raised issue, master's thesis ends with conclusions and recommendations.
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Maciulevičiūtė, Alvyda. "Bonus-Malus sistemos su a priori koeficientais modeliavimas ir optimizavimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2004. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2004~D_20040602_223628-10128.
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In yhis work we will make two Bonus-Malus systems with the same transition rules, but with different a priori criteria (dependent from personal characteristics and from automobile charakteristics), will review components of a model, will analyze the stationarity of a mean premium and coefficient of variation, elasticity and optimization.
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Sidabraitė, Sidona. "Sveikatos draudimo sistema ir jos tobulinimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2006. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2006~D_20060605_192605-80139.
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Rinkevičiūtė, Laima. "Ne gyvybės draudimo analizė Lietuvoje." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2006. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2006~D_20060606_150230-24295.
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Insurance market in Lithuania is evolving yet, but this process is quite rapid.
The destination of this work – analysis of non life insurance in Lithuania, which we will dispense, when we will interpret statistical information of insurance, also we will analyze paying capacity of non life insurance companies. Insurance companies calculate future’s contribution using data of past period. It would be better to correct contribution according to predictive future’s number of contracts and loss. So the number of contracts and loss, signed by Lithuanian insurance companies each quarter, are studied as time series. Several time series models were created for three principal kinds of insurance (Motor Third Party Liability Insurance, Land vehicles other than railway rolling stock Insurance, Property Insurance) and the one that meets the reality best was selected.
We will analyze variation of number of non life insurance companies, number of paid losses, number of signed contributions and number of contracts. After analyses of Insurance market’s indicators, we get strong tendency that Insurance market becomes more stable.
After analysis of insurance companies’ paying capacity we got, that two close private companies - “Baltic Polis” and “Industrijos garantas” – was close to bankrupt in 2004 year.
After forecasting number of Motor Third Party Liability Insurance’s and Land vehicles other than railway rolling stock Insurance’s contracts we got that Autoregressive model is the best for... [to full text]
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Darbutaitė, Inga. "Sveikatos draudimo raidos Lietuvoje socialinė ekonominė analizė." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2009. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2009~D_20090909_091208-65953.
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Magistro baigiamajame darbe analizuojama sveikatos draudimo raida Lietuvoje, jos metu iškilusios problemos ir privalomojo sveikatos draudimo fondo biudžeto pajamų ir išlaidų dinamika, jų pokyčius lėmę ekonominiai, socialiniai veiksniai. Rezultatai parodė, kad privalomojo sveikatos draudimo fondo pajamų surinkimą vienodai veikia bedarbių ir užimtų gyventojų skaičius, vidutinis darbo užmokestis ir gyventojų pajamų mokestis. Priklausomybė tarp šių veiksnių yra labai glaudi. Nustatyta, kad privalomojo sveikatos draudimo fondo biudžeto stabilumą neigiamai veikia visuomenės senėjimas, t.y. žemas gimstamumas ir vidutinės būsimo gyvenimo trukmės ilgėjimas. Privalomojo sveikatos draudimo fondo išlaidų apimties ir struktūros analizė parodė, kad jose didžiąją dalį sudaro lėšos skirtos tobulinti sveikatos draudimo sistemą. Analizuojant duomenis nustatyta, kad susidariusias finansavimo problemas gali išspręsti plėtojamas papildomas (savanoriškas) sveikatos draudimas.This master work analyses health insurance development in Lithuania, its problems, the dynamics of the income and expense of the budget of the mandatory health insurance fund, and the economic and social factors which cause its changes. The results have revealed that the income of the budget of the mandatory health insurance fund equally depend on the number of the unemployed and the employed, the average salary and the personal income tax. There is a tight interdependence between these factors. It has been established that the stability of the mandatory health insurance fund is negatively influenced by the aging of the society, that is, low birth rate and longer average life expectancy. The analysis of the expenses and the structure of the mandatory health insurance fund shows that the greatest share of the expenses are dedicated to the enhancement of the health insurance system. The analysis of the data shows that the present financing problems might be solved by developing a complementary (voluntary) health insurance.
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Shiu, Jen-Lin, and 許鎮麟. "A Study On E-Commerce Insurance." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/42294464549518514650.
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碩士淡江大學
保險學系保險經營碩士班
93
With the explosive growth of internet and the rapid advancement of E-Commerce, Enterprises increasingly rely upon technology, such us, computers and internet, to conduct almost all aspects of their business, including marketing, shipping, communications and management. Unfortunately, as enterprises enjoy the benefit and convenience of information technology, they are brought with brand new and unique risks, like computer viruses, hacker attacks. Moreover, the advent of internet also has changed the state of the law and brought some legal issues to the cyberspace, including intellectual property, privacy…etc, which make enterprises confront new legal liabilities. Additionally, the worst problem is traditional insurance policies are not inadequate to address cyber risks. As a result, stand-alone e-commerce insurance emerged in the late 1990’s which explicitly addresses cyber risks. This paper first explores some of the new risks to enterprises incorporating E-Commerce or using internet in their business operations, then introduces some tools and methods of E-Commerce risk management. The second part of this paper identifies coverage gap in traditional insurance policies, meanwhile, analyzing the coverage of E-Commerce insurance. Moreover, from the viewpoint of information security standard and computer forensics, this paper discusses some issues of e-commerce insurance underwriting and claims. The last section focuses on some problems limiting the growth of E-Commerce insurance market and makes some suggestions to resolve them.
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Chen, Yin-Hsin, and 陳吟欣. "The Case Study of E-commerce Innovation in Insurance Industry." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/97163999663961207768.
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碩士國立臺灣科技大學
財務金融研究所
104
Someone says that FinTech will have a serious shock to traditional financial industries, and it will loss 21% market share for insurance industry. However, I think FinTech is an opportunity not a threaten, and how to find the business with FinTech is an important lesson for every financial industry including Banks, Securities and Insurance. According to the end of 2015, only 8 insurance companies allow to do the online insurance business, and the market share only 0.1%. The percentage of online insurance business in Taiwan is lower than other countries. Comparing with others, Taiwan has a strong potentiality in online insurance business. Our case study focus on E-commerce innovation in insurance industry and give some suggestion. 1.The law of E-commerce in Taiwan is closer than China, therefore, I think the insurance companies need to corporate with other and force the government to untie some rules. 2.Insurance industry is the service industry which really focus on people. We can corporate with Big Data and Mobile to track our customer regularly. As the customers need us, and we give them suitable product immediately. 3.Insurance companies cannot do the Cross-industry alliance because of the rule in Taiwan. However, Cross-industry alliance is the trend in the future. Therefore, we think we can use the VIP system liked case corporation. Sounds like Cross-industry alliance but a little bit different. We can use this VIP system to develop our service quality.
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Chen, Yi-Bee, and 陳一坒. "Supporting Insurance Broker of E-Commerce by Developing An Intelligent Agent Program." Thesis, 2001. http://ndltd.ncl.edu.tw/handle/33616645247160131130.
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碩士國立高雄第一科技大學
風險管理與保險系
89
When people want to buy insurance, they will get problems that are “ What kinds of insurance products are they really need? And which range is enough?” Those questions belongs to personal insurance planning area, and you can through the insurance specialist who exerts their professional knowledge and experience to infer and analyzed the answer that you really need. However, the insurance agent is difficult to stand-by all day to serve their customers. They want to give their customers more prefect insurance planning service and more support. They will supply an insurance assistant who help customers to make a decision when they are doing a planning, and that is the reason I choice this topic to be my dissertation. The dissertation construction is established on Internet. It used an intelligent agent soft-programs skill to develop the “Internet Insurance Intelligent Agent System, pronounced (Triple I Agent System-TIAS)” that including execute online, acquire knowledge and infer function tools. TIAS can get knowledge and judgment from the insurance agent, and it can support they doing their insurance business in anywhere, anytime and anyone, especially to support people when they have to make a decision in insurance business. It can make customers to use this system in anytime and anywhere. It also support insurance agent to handle their business and to suggest customer when they have to do their personal insurance planning. These ways will promote electronic insurance business market. In our positivism test system, we make two hypothesize which is legatee’s live cost and prepare superannuating. We give some exemplification to do the test and evaluation. In our test process, system give each exemplifications insurance planning suggest, and that can be truly to represent the rule of reasoning. It correspond the expect result. After our positivism test, the intelligent agent soft-program can apply insurance planning’s service to personal. It really can be useful.
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Chou, Chaur-sheng, and 周朝盛. "A Case Study of E-Commerce Marketing Strategy In General Insurance Industry." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/gvhrts.
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碩士銘傳大學
風險管理與保險學系碩士在職專班
96
E-commerce marketing and the buildup of distribution platform have greatly changed the traditional salespeople-centered marketing model in the general insurance industry. The study is to discuss how a general insurance company set up its e-commerce marketing strategy, created a communication platform for both physical and virtual channels in order to improve marketing effectiveness, production and profits. The mythology is to do case study on the e-commerce marketing strategy of one general insurance company, including how it created a distribution platform, executed its marketing strategy and what it achieved. The study analyzes the external environment with SWOT and analyzes the internal marketing strategy with four Ps. The study has found that 1. The basic strategy for a general insurance company to develop e-commerce is to create simplified, standardized and modulized products. 2. The main stream of e-commerce is personal insurance, auto insurance, accident and health insurance while differentiated and tailor-made products are the solution for the fierce competition. 3. “Distribution channels” are the target of e-commerce marketing. 4. How to make the best use of database for cross selling is the key to synergize e-commerce marketing. Keyword: E-commerce, marketing strategy, distribution channel.
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LEE, TAI-JUNG, and 李岱融. "A comparative study of E-Commerce Application between Taiwan and China’s Insurance Industry." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/56541929692800517103.
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碩士國立臺灣科技大學
資訊管理系
103
The promotion of insurance business in the past was mainly conducted through the face-to-face communication between the insurance agents and the proposers. Further to the conveyance of the idea of insurance, the insurance agents also passed the information on the insurance products to the consumers for closing the deal. The popular use of smart phones and mobile devices changed the mode of lives for the consumers once and for all. According to a survey on mobile shopping in 2014, we can see that the mobile consumption market is growing without stop. Furthermore, the alliance of the “3 Mr. Ma”(Ma Yun of Alibaba, Ma Mingze of PING AN, Ma Huateng of Tencent) for selling insurance attracted most of the attention in the industry. They formed the 1st Internet insurance company approved by the Insurance Authority of the PRC. Being different from the traditional mode of selling insurance, this company will not establish any branch and it conducts their marketing and claim adjustment entirely online via the Internet. This move has drawn the attention of the insurance industry of Taiwan and this company is a benchmark company for entrance into eCommerce. The major industry source for this paper is obtained from Taiwan Insurance Institute, Market Intelligence and Consulting Institute of the Institute of Information Industry, and Insurance Association of China on literature review and analysis. The outlook of the environment for the development of insurance and eCommerce in Taiwan and Mainland China will be discussed. The factors contributing to the successful development of eCommerce for the insurance industry in Mainland China through observation will be the core area for the development of the framework of this study. The applicability and the accuracy of the framework of this study will be confirmed through the interviews with experienced experts in the field of eCommerce in insurance business of Taiwan basing on which the variation between the development of eCommerce in the insurance industry on both sides of the Taiwan Straits will be explored with the introduction of the comparative study method. The findings from this study indicated that the technological know-how for the insurance companies in Taiwan and in Mainland China has been developed to certain standard and scale. Yet, the law in China governing eCommerce is not as strict in Taiwan, which allows the insurance companies to develop diversified services. In addition, Mainland China is thinly populated in many regions and telecommunication technology is not that developed, which makes communication online not as convenient. This is the main difference in the environment for the development of eCommerce in Taiwan and Mainland China. Taiwan will have to undergo a long and rough road for the development of eCommerce in the insurance industry. Yet, the insurance market of Taiwan is well established and eCommerce for the industry is highly promising, insurance companies that take the first move to engage in the market of eCommerce will be the forerunner in the keenly competitive market of insurance, and will establish a stronghold in the market well ahead of the others.
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尹立豪. "Feasibility Study on the Business Model of the Insurance Products in E-commerce." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/69809329592293703553.
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Chang, Chang-Yun, and 張長雲. "The study on Insurance Electronic Commerce in China." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/17188106403718543627.
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碩士淡江大學
保險學系保險經營碩士在職專班
102
In line with the flourishing development of information technology and computer technology, the online world is gradually playing an ever more important role in the lives of ordinary people. This includes interpersonal exchanges, online shopping; information obtained online, and so on. In addition, enterprises also use the speed and convenience of networks to engage in a large number of commercial activities. In the twenty-first century, the Internet is making swift and quiet inroads into peoples'' lives and making itself into an indispensable necessity. As a result, the insurance electronic commerce thus came into being, with electronic commerce constituting a new type of business model. Customer and vendor interaction patterns and transactions have significantly changed, and without exception enterprises are all putting efforts into developing electronic commerce in order to create value and increase their competitive advantage. The main topic of this study is to research the past history, current situation and future development of electronic commerce in China’s Insurance Industry. Although the China’s insurance industry got a late start in comparison with other countries, it exhibits a very powerful pace of development as well as ability to mimic and accept innovation. Electronic commerce has flourished in China’s Insurance Industry on the back of several factors, including popularity of the Internet in recent years, theresilience of the insurance industry, and an open attitude on the part of government authorities in regard to supporting and accepting change. This study encompasses three dimensions for analysis, namely government policy supervision, science and technology, and market development. On this basis, we compile relevant historical documentation and monograph reports, and through industry research we come to understand the actual conditions of insurance companies that are engaged in electronic commerce. Finally, we summarize with conclusions and recommendations to serve as a reference for electronic commerce platforms in the future. This study is generally divided into a progressive discussion over four sections. First, we give an overview of insurance electronic commerce. This is followed by an examination of the background, types and features marking the rise of insurance electronic commerce in China. In addition, we review the current situation and business development issues for China‘s insurance electronic commerce. Finally, we address the current needs and challenges of China‘s insurance electronic commerce in formulating conclusions and recommendations.
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Tsai, Bing Ru, and 蔡秉儒. "The Adoption of Mobile Commerce in Insurance Industry." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/07775558732205294214.
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碩士樹德科技大學
資訊管理研究所
92
In the trend of mobile business advocated by the company, there are many insurance companies cooperated with some companies to create the information systems to deal with the cases. Due to the insurance agents almost work outside and need active to win over the insurance cases, the simple Personal Digital Assistant (PDA) can make the agents really become “Any Time, Any Where” when they work outside in any working environment. This research is based on integrating Unified Theory of Acceptance and Use of Technology (UTAUT) to discuss the elements which insurance agent choice the PDA of insurance system. Through out the collecting and collation of bibliography and a sampling survey of questionnaire in Kaohsiung and Pingtung which can be found that: 1. Performance Expectancy, Effort Expectancy and Social Influence would influence the insurance agents using the system positively, and using purposes would influence use behavior positively. 2. Performance expectancy of insurance agents using the systems would be influenced the use behavior by the genders and age. 3. The effort expectancy of insurance agents would be influenced by the experience and affect the use behavior. 4. The influence by the social influence to the use behavior would be affected by the genders, age, experience and moderators in voluntaries of use. 5. The influence of facilitating conditions to the use behavior would not be affected by age and experience.
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You-Nan, Huang, and 黃有南. "A Research of Applying Electronic Commerce in Traditional Insurance." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/16901283852821176725.
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碩士大葉大學
事業經營研究所碩士在職專班
95
In this Internet Age, enterprises began to use e-commerce to transfer global trading processes and to develop new channel, making their company more competitive. Therefore, the success or failure of developing e-commerce is the key factor to a com-pany. Property Insurance is built under two-way interaction between salesperson and consumer. The demand of Property Insurance is invisible. Consumer is usually con-vinced by a salesperson, signing a contract after the deal. Now Property Insurance is using e-commerce, to transmit information and knowledge through Internet. E-commerce is changing the trading environment little by little. This research is focused on keeping and improving traditional channel for Property Insurance companies. Under the popularization of global e-commerce, using e-commerce is a trend for future developing. The developing of E-commerce is still in the initial stage, but it can not only shorten the process to insure but also reduce the payment on developing new market and customer. In that way, Property Insurance companies can highly increase the profit, and making customers satisfied, willing to in-sure online. With the opening of online marketing, online insurance will be the mainstream in the future. Property Insurance companies should take online insurance as an important tool though it is still in the initial stage. Online insurance provides information for cus-tomers to search what they need, then finish the procedure with professionals. Combine e-commerce and salesperson together, making companies more efficient and bringing more profit for both consumer and companies.
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張雅婷. "The Study of Electronic Commerce in Taiwan Insurance Industry." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/55796657314929920489.
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Cheng, Chia-Pei, and 鄭嘉佩. "The effect of Electronic Commerce on Taiwan’s insurance industry." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/16694829463576694398.
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碩士中原大學
國際貿易研究所
94
In recent years, the internet continues to grow and evolves as a vital resource with which companies can upgrade their capabilities and grow their business. Gradually, an increasing number and variety of firms and organizations are exploiting and creating business opportunities on internet. After joining challege of World Trade Organization (WTO), the domestic financial environment will face the internationalization; the globel financial industry will put competitive pressure on domestic financial companies. Because of theses, electronic commerce has made an impact on the insurance industry in Taiwan. Then use questionnaire to collect the datas, totally collect 91 questionnaires. Accordingly, study conducts an empirical research or the efforts of electronic commerce on Taiwan’s insurance industry. Pearson Correlation Analysis, Canonical Correlation Analysis and Stepwise Regression analysis to examine whether the characteristics of the electronic commerce, customer’s perception, employee’s attitude and performance have notable correlations. The results find that each other has notable correlation, it shows using internet can reduce cost and enhance their competitiveness. Finally, we suggest for insurance company enhancing management employee’s ability, providing perfect environment establishing consumer’s confidence.
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Hung, Mei-Hung, and 洪美芳. "A Study of the Development Stages of E-Commerce Promotion in Domestic Life Insurance Industry." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/16982036916949957358.
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碩士國立交通大學
經營管理研究所
92
When the Internet enters the life of people, it is inevitable trend that business operators should explore the market and develop E-commerce in order to create new marketing opportunities and strengthen competitiveness. In the financial industry, we may discover obviously that both banks and securities enthusiastically promote the E-commerce. However, it still proceeds in a relatively slower speed in the insurance industry, especially in life-insurance industry This purpose of this study is to discover the development stages of E-commerce promotion in the life insurance industry. First, we clarify the first two stages of E-commerce promotion in the life-insurance industry, “Evaluation Stage” and “Promotion Stage” based on the interview results. Moreover, through the observation of websites we found that the third stage, “Function Stage”, is to set the system and link up with the first two stages. In the end, it is the fourth stage – “Steady Stage”, customer relationship management in E-commerce, emphasized recently in the conferences of the insurance industry nowadays.
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TIEN, CHIA-JU, and 田佳儒. "A Study on the Application of E-commerce and Big Data in Life Insurance Industry." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/56758973869509151240.
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碩士淡江大學
保險學系保險經營碩士在職專班
104
In recent years, comparing with other advanced countries, the growth of e-commerce and big data applications in Taiwan life insurance industry was limited, because the decree modifying speed can''t catch up with how science and technology develop, combined with Supervision units tend to be conservative. Therefore, it was expected to accelerate the decree supervising of the Taiwan government to moderately loose, and to promote the digitized speed of multiple applications in the Taiwan insurance industry and the application of big data in the insurance industry to be more mature through this study, which was the objective of this study. This thesis expected to provide insurance companies with the reference of performing the programs of financial technology application in future based on the study of the whole life circle of policy, from the new contract made by salesmen to successive underwriting, preserving and claims settlement in the application of electronic commerce and big data by mainly using the study methods of literature collection and interviews with experts of the same industry from Taiwan and mainland to collect literature materials such as Taiwan, mainland and foreign theses and journals, along with the real S company cases in the application of electronic commerce and big data to present detail application modes. In the end, it was found from this thesis that mobile devices had been the most of e-commerce applications, network insurance had gradually obtained the industry’s attention, big data had gradually become an important basis of operating decisions in the life insurance industry, the input resources of the application and development of big data in the insurance industry were insufficient, and the application of the big data should be well integrated with that of e-commerce in the life insurance industry.
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Talha, Mohammad. "An appraisal of investment policies of life insurance corporation of India." Thesis, 1989. http://hdl.handle.net/2009/3777.
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