Technical University of Liberec
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for academic year 2025/2026
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Course: Basics of Insurance Industry

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Course title Basics of Insurance Industry
Course code KSY/ZAPO
Organizational form of instruction Lecture
Level of course Master
Year of study not specified
Semester Winter and summer
Number of ECTS credits 3
Language of instruction Czech, English
Status of course unspecified
Form of instruction Face-to-face
Work placements Course does not contain work placement
Recommended optional programme components None
Lecturer(s)
  • Tatek Benetti Karina, Ing. Ph.D.
Course content
1. Risk - pure and purpose risk; subjective and objektive risk, risks in life of people and in economics. 2. Risk management, his essence, phase, solving of existence risks on the basic of the principles risk management. Risk management in the context of business practice. 3. Insurance - essence, as financial category, as financial services, part of financial market. 4. Social insurance - basic koncept and essence, role of social insurance, financing, organization and financing individuem component of social insurance in the Czech Republic. 5. Private insurance - basic concept, classification, party to the insurance relations, insurance policy and insurance clauses, term of insurance, period of insurance, premium, insurance benefit, hazard insurance and reserve making insurance. 6. Insurable interest, form of insurance, amouting insurance and indemnity bond, supplementing form of insurance, application of this form, concrete calculation of amount of insurance benefit. 7. Premium, part of structure of premium, general access to the fixing amount of net premium, bonus and extra premium, administrative expenses of insurance company - their structure and importance. 8. Life insurance, basic characteristics, konstruction of basic form. 9. Philosophy of access to the fixing amount of net premium in the life insurance. 10. Pension additional insurance, importance and construction generally and in the Czech Republic. 11. Non-life insurance, basic characteristics, konstruction of basic form (accident insurance, property insurance, liability insurance, etc.). 12. Philosophy of access to the fixing amount of risk net premium in the non-life insurance. 13. Economic activity of insurance company - basic characteristics, actuarial reserves, reinsurance, etc. 14. Insurance industry, structure of insurance industry, basic access to regulation of the insurance industry on the part of state.

Learning activities and teaching methods
Monological explanation (lecture, presentation,briefing), Dialogue metods(conversation,discussion,brainstorming), Project teaching
  • Class attendance - 28 hours per semester
  • Home preparation for classes - 28 hours per semester
  • Preparation for exam - 34 hours per semester
Learning outcomes
Introduction to professional insurance problems, familiarization with notions used in the study of insurance management, basic principles of insurance functioning as economics category and financial service, inform with basic resemblance of insurance, especially private insurance and clearing contextures onto other economic category, inform with current development trends in the insurance markets.
Students obtain knowledge in given course in accordance with requirements and course programme.
Prerequisites
Basic knowledge of insurance issues.

Assessment methods and criteria
Written exam

Exam: written (minimum 65 %).
Recommended literature
  • KPO EF TUL. Výsledky výzkumných projektů Analýza pojistného trhu IV Katedry pojišťovnictví EF TUL, hrazené z NFVP. .
  • Questions and Answers on Life Insurance: The Life Insurance Toolbook (Fifth Edition). , 2022.
  • SwissRe. Časopis Sigma. .
  • SwissRe. Sigma Explorer. .
  • The Risk Management Handbook: A Practical Guide to Managing the Multiple Dimensions of Risk. (2023). Velká Británie, 2023.
  • World Economic Forum. Global risk report (pro příslušný rok). .
  • BÖHM, A.; K. MUŽÁKOVÁ. Pojišťovnictví a regulace finančních trhů. Praha, 2010.
  • BÖHM, A.; MUŽÁKOVÁ, K. Pojišťovnictví a regulace finančních trhů. Praha: PROFESSIONAL PUBLISHING, 2010. 1. vydání. 184 s. ISBN: 978-80-7431-035-5..
  • Daňhel, J. Pojistná teorie.. Praha: Professional Publishing, 2006. ISBN 80-86946-00-2.
  • DAŇHEL, J. Pojistná teorie. Praha, 2006.
  • DUCHÁČKOVÁ, E., DAŇHEL, J. Pojistné trhy: Změny v postavení pojišťovnictví v globální éře.. Praha: Professional Publishing, 2012. ISBN 978-80-7431-078-2.
  • DUCHÁČKOVÁ, E., DAŇHEL, J. Pojistné trhy: Změny v postavení pojišťovnictví v globální éře. Praha, 2012.
  • DUCHÁČKOVÁ, E.; DAŇHEL, J. Teorie pojistných trhů. Praha: PROFESSIONAL PUBLISHING, 2010. 1. vydání. 224 s.. ISBN 978-80-7431-015-7.
  • DUCHÁČKOVÁ, E., DAŇHEL, J. Teorie pojistných trhů. Praha, 2010.
  • DUCHÁČKOVÁ, E. Pojištění a pojišťovnictví. Praha.
  • Ducháčková, E. Pojišťovnictví a pojištění, Ekopress, Praha 2005. ISBN 80-86119-92-0.
  • HOPKIN, P. Fundamentals of Risk Management: Understanding, Evaluating and Implementing Effective Risk Management. Velká Británie, 2017.
  • KOBÍK VALIHOROVÁ, A.; MUŽÁKOVÁ, K. Integrace evropských finančních trhů: Identifikace, klasifikace a analýza faktorů ovlivňujících integraci vybraných segmentů finančního sektoru České republiky. Liberec: Vysokoškolský podnik Liberec, 2013. 299 s. ISBN 978-80-7372-935-6..
  • KOBÍK VALIHOROVÁ, A.; MUŽÁKOVÁ, K. Integrace evropských finančních trhů: Identifikace, klasifikace a analýza faktorů ovlivňujících integraci vybraných segmentů finančního sektoru České republiky. Liberec, 2012.
  • KPO EF TUL. Výsledky výzkumných projektů Analýza pojistného trhu IV Katedry pojišťovnictví EF TUL, hrazené z NFVP, dostupné z WWW: <http://www.nfvp.cz/projekty.html>..
  • LANKFORD, K. The Insurance Maze: How You Can Save Money on Insurance and Still Get the Coverage You Need. Kaplan Publishing, 2006. 1st ed. 288 p. ISBN 978-14-19526-947..
  • LANKFORD, K. The Insurance Maze: How You Can Save Money on Insurance and Still Get the Coverage You Need. , 2006.
  • Majtánová, A., Dańhel, J., Ducháčková, E., Kafková, E. Pojišťovnictví - teorie a praxe. Praha: Ekopress, 2006. ISBN 80-86929-19-1.
  • MAJTÁNOVÁ, A., DAŇHEL, J., DUCHÁČKOVÁ, E., KAFKOVÁ, E. Pojišťovnictví - teorie a praxe. Praha, 2006.
  • McNAMARA, J. M. Principles of Risk Management and Insurance. Addison-Wesley, 2000. 1st ed. 484 p. ISNB 978-03-21076-977..
  • MFČR. Zákon č. 277/2009 Sb., o pojišťovnictví..
  • REJDA, G., E.; McNAMARA, M. Study Guide for Principles of Risk Management and Insurance. , 2016.
  • TATEK BENETTI, K., I. IZÁKOVÁ. Pojišťovnictví: Vybrané aspekty pojistných trhů. Grada Publishing. Praha, 2024. ISBN 978-80-271-5329-9.
  • Vostatek, J. Sociální a soukromé pojištění. Codex Bohemia Praha 2000. ISBN 80-85963-21-3.
  • VOSTATEK, J. Sociální a soukromé pojištění. Praha, 2000.
  • World Economic Forum. Global risk report (pro příslušný rok). Dostupné z: www.weforum.org..


Study plans that include the course
Faculty Study plan (Version) Category of Branch/Specialization Recommended year of study Recommended semester
Technical University of Liberec, date of update: 22.09.2025 23:50. Data created for academic year 2025/2026