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Lecturer(s)
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Tatek Benetti Karina, Ing. Ph.D.
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Course content
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Lectures (topics): 1. The concept of risk - pure and purpose risk, subjective and objective risk, and the role of risk in people's lives and the economy. 2. The discipline of risk management - the essence, phases of risk management, solving the existence of risks based on the principles of risk management, and standards governing risk management. The risk manager's role is not only in the context of crisis management. Behavioural and psychological risk analysis. 3. The essence of the concept of insurance - financial category, financial service, part of the financial market. Insurance is one of the options for protection against risks. 4. Social insurance and health (general definition of the concept and essence, role, financing, organisation, and financing in the conditions of the Czech Republic. 5. Basic concepts and breakdown of private insurance (participants of insurance relations, contract and insurance conditions, insurance period, insurance premium and insurance performance, risk, and reserve insurance). 6. Insurable interest, forms of insurance (total and damage insurance, supplementary forms of insurance, their application, specific examples of calculating the amount of insurance benefits) and premiums (components in the structure of the premium, general approaches to determining the size of the net premium, bonuses and malus, administrative costs of the insurance company and their structure and role within the insurance price). 7. Life insurance - basic characteristics of life insurance, construction of basic forms of life insurance. The philosophy of the approach to determining the size of the net premium in life insurance. 8. Supplementary pension savings - the role and structure of supplementary pension savings (supplementary pension insurance) in general and in the conditions of the Czech Republic. Approaches to security are aging not only around the world. 9. Non-life insurance - basic characteristics of non-life insurance, construction of basic forms of non-life insurance (non-life insurance of persons, property, liability, legal protection). The philosophy of the approach to determining the size of the risk net premium in non-life insurance. 10. Insurance companies as business entities and their role in the financial market. Basic characteristics of the insurance company's economy include technical reserves, insurance, and technical risk. 11. Insurance - the structure of the insurance industry, distribution channels of insurance products, and basic approaches to the regulation of the insurance industry by the state. Role of reinsurance companies. 12. Digitization in the insurance industry (digital transformation, AI, InsurTech). 13. Insurance and sustainability, insurance companies as key players in the circular economy. 14. Developmental tendencies of insurance markets. Seminars (topics): 1. Semestral projects assignment, requirements and instructions. 2. New trends in the insurance industry - an analysis. 3. Semestral projects consultations. 4. Discussion on selected issues covered by the lectures. 5.-7. Semestral project presentation.
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Learning activities and teaching methods
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Monological explanation (lecture, presentation,briefing), Dialogue metods(conversation,discussion,brainstorming), Project teaching, Students' portfolio
- Semestral paper
- 15 hours per semester
- Class attendance
- 28 hours per semester
- Home preparation for classes
- 28 hours per semester
- Preparation for exam
- 20 hours per semester
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Learning outcomes
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Introduction to the issues of insurance, familiarisation with the basic concepts used in insurance, with the fundamental principles of insurance acting as an economic category and financial service, with the basic insurance classification, especially with private insurance, also the introduction of development tendencies and new trends in the insurance markets, also the introduction of development tendencies and new trends in the insurance markets.
Students obtain knowledge in given course in accordance with requirements and course programme.
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Prerequisites
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Basic knowledge of insurance issues.
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Assessment methods and criteria
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Oral exam, Presentation of acquired knowledge via paper, Test
Credit: Active participation in seminars, presentation of semester work, completing course assignments in Moodle. Exam: Oral form of the exam - answering two assigned questions.
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Recommended literature
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KPO EF TUL. Výsledky výzkumných projektů Analýza pojistného trhu IV Katedry pojišťovnictví EF TUL, hrazené z NFVP. .
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Questions and Answers on Life Insurance: The Life Insurance Toolbook (Fifth Edition). , 2022.
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SwissRe. Časopis Sigma. .
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SwissRe. Sigma Explorer. .
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The Risk Management Handbook: A Practical Guide to Managing the Multiple Dimensions of Risk. (2023). Velká Británie, 2023.
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World Economic Forum. Global risk report (pro příslušný rok). .
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BÖHM, A.; K. MUŽÁKOVÁ. Pojišťovnictví a regulace finančních trhů. Praha, 2010.
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DAŇHEL, J. Pojistná teorie. Praha, 2006.
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Dionne, Georges. Handbook of Insurance. , 2024.
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DUCHÁČKOVÁ, E., DAŇHEL, J. Pojistné trhy: Změny v postavení pojišťovnictví v globální éře. Praha, 2012.
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DUCHÁČKOVÁ, E., DAŇHEL, J. Teorie pojistných trhů. Praha, 2010.
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DUCHÁČKOVÁ, E. Pojištění a pojišťovnictví. Praha.
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HOPKIN, P. Fundamentals of Risk Management: Understanding, Evaluating and Implementing Effective Risk Management. Velká Británie, 2017.
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KOBÍK VALIHOROVÁ, A.; MUŽÁKOVÁ, K. Integrace evropských finančních trhů: Identifikace, klasifikace a analýza faktorů ovlivňujících integraci vybraných segmentů finančního sektoru České republiky. Liberec, 2012.
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LANKFORD, K. The Insurance Maze: How You Can Save Money on Insurance and Still Get the Coverage You Need. , 2006.
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MAJTÁNOVÁ, A., DAŇHEL, J., DUCHÁČKOVÁ, E., KAFKOVÁ, E. Pojišťovnictví - teorie a praxe. Praha, 2006.
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REJDA, G., E.; McNAMARA, M. Study Guide for Principles of Risk Management and Insurance. , 2016.
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TATEK BENETTI, K., I. IZÁKOVÁ. Pojišťovnictví: Vybrané aspekty pojistných trhů. Grada Publishing. Praha, 2024. ISBN 978-80-271-5329-9.
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VOSTATEK, J. Sociální a soukromé pojištění. Praha, 2000.
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