Thesis (MDF)--Stellenbosch University, 2006. / ENGLISH ABSTRACT: In Southern Africa only five countries administer a fuel levy funded motor vehicle accident compensation system. These are South Africa, Namibia, Swaziland, Botswana and Lesotho. These accident compensation systems are administered by statutory bodies established through the respective Act of Parliaments, with the exception of Lesotho, which is outsourced to a private insurance agency for administration purposes. The enabling legislation prescribes the compensation of accident victims, where the cause of accident is due to the negligent or fault of the driver or owner of the vehicle. Over the years, the administration of these Funds have proven to be a significant challenge in respect of their enabling legislations, inadequate funding levels to meet liabilities as prescribed by the respective legislation and poor public governance of the institutions. The study reviews the Namibian MVA Fund's efforts to reform the compensation scheme in the context of an overall public management reform and social policy. The study presents the historical overview of the accident compensation regime and how that has influenced the current thinking and application of compensation policy in the Southern African region. The study emphasised the quest of the Funds to become financially viable, thus being able to meet present and future liabilities as and when they accrue to the respective Funds. Thus it presents new thinking and knowledge on alternative revenue sources that could be further explored to enhance financial viability and broadening the scope of coverage of the compensations scheme. / AFRIKAANSE OPSOMMING: In Suidelike Afrika gebruik slegs vyf lande 'n stelsel vir die vergoeding van motorvoertuigongelukke wat deur 'n brandstof heffing befonds word. Hierdie lande is Suid Afrika, Namibie, Swaziland, Botswana en Lesotho. Hierdie ongeluksvergoedingstelsel word ge-administreer deur statutere liggame daargestel deur die onderskeie wetgewing van Parlemente, met uitsondering van Lesotho, wat die funksie uitgekontrakteur het aan 'n private versekeringsmaatskapy vir adminstrasie doeleindes. Die betrokke wetgewing skryf die vergoeding van ongelukslagoffers voor waar die oorsaak van die ongeluk deur die nalatigheid of fout van die bestuurder of eienaar van die voertuig is. Die administrasie van die onderskeie fondse oor die jare, het getoon dat 'n groot uitdaging gestel word aan hul magtigende wetgewing ten opsigte van die toereikendheid van fondse en swak beheer, soos voorgeskryf deur die betrokke wetgewing. Hierdie studie hersien die Motorvoertuigongeluksfonds van Namibie se strewe tot die hervorming van die vergoedingskema in die oorhoofse publieke bestuurshervorming en maatskaplike voorskrifte. Die studie verteenwoordig die historiese oorsig van die ongeluksvergoedingskema en die invloed daarvan op die huidige denkwyses en toepassing van vergoedingskemas in die Suider-Afrikaanse streke. Hierdie studie het die proses van die Fondse om finansieel lewensvatbaar te word beklemtoon, derhalwe om in staat te wees om die huidige en toekomstige finiansiele verantwoordelikheid soos en wanneer dit deur die onderskeie fondse toegeskryf word, na te kom. Gevolglik verteenwoordig dit nuwe denkwyses en kennis van altematiewe bronne van inkomste wat verder ondersoek kan word om finansiele lewensvaatbaarheid te verbeter en die voordele struktuur van hierdie vergoedingskemas te vergroot.

國人對國內與國外旅行平安險有一定之需求，且約有六成係透過保險公司業務員購買，且此旅行平安險業務對保險公司為有價值之業務，遂引發本文之研究動機。加上由相關文獻探討可知，近年來有許多文獻係以消費者購買旅行平安險之購買意願或購買行為為探討主題，但尚無以保險業務人員角度探討對旅行平安險之銷售意願或如何提高銷售績效之研究，且亦無以保險業者角度探討如何經營旅行平安險業務，故更加引發本研究動機。所以此次研究目的為探討壽險業務人員對旅行平安險的銷售意願及銷售績效，並透過深度訪談及問卷調查方式深入研究，最後進一步提出可供壽險公司經營旅行平安險之各項行銷綜合性建議，本研究問卷調查結果顯示如下： 一、旅行平安險之業務屬性方面：此險為客戶有國內、外旅遊活動，才有投保之需求或產生投保的動機，非業務人員可主導或強力刺激客戶需求的業務。故較徧向「客戶主導」，但非「業務人員主導」的業務屬性。 二、投保通路方面：1.「保險公司業務人員」為主要投保通路。2. 透過「業務人員投保」或「電話投保」為現行或未來主要投保方式。 三、業務人員之銷售意願方面：1.「客戶主動投保」為業務人員銷售旅平險之主因。2.業務人員主動銷售時，則以「自身利益導向」即佣金及計績比例高低為主要考量。3.「商品多樣化」及「佣金」為鼓勵業務人員更主動銷售旅平險之主因。 四、商品內容方面：1.若客戶無預算考量，需保障最完整無缺口，包含產壽險旅平險。2.若客戶有保費預算限制下，旅平險至少應包含意外醫療險及海外突發疾病醫療險。 五、消費者心理方面：「已有刷卡附贈之旅平險」為客戶不願意購買旅平險之主因。 六、促銷策略方面：1.對客戶之促銷活動相較對業務人員本身之促銷來得較有效。2.尤其對客戶促銷活動中，以「客戶投保旅平險贈送產險旅遊不便險」為最主要有效之旅平險促銷活動。 關鍵詞：旅行平安險、壽險公司、銷售意願、銷售績效 / People have certain demand to the domestic and the overseas travel insurance, also 60% of the travel insurance policy are sold through agency channels, and from the profit aspect, this business bring significant contribution to the insurance company is a notorious fact, then this is to cause the motivation of this research. Recall the historical literatures, nearly many literatures are related with the purchase intention or behavior of customers for the travel insurance as the discussion subject, however, there is lack of the theses from the point of view of the insurer or the salesperson angle to enhance the sales achievements or how to run effectively business, and also this is to cause the motivation of this research. Therefore this research goal is to discuss the selling intention and performance of life insurance salesperson for travel insurance, through the methods of the depth interview and the questionnaire survey, finally further proposed the marketing comprehensive suggestions for the life insurance company to run this travel insurance business. The results of this research questionnaires and study are presented as following: I.The aspect of the travel insurance business ：When the customer has domestic or overseas travel, only then has demand of the insurance or has the insurance motive；it’s not the salesperson may lead or the forcedly stimulate the customer demand .Therefore approaches “the customer leadership”, but not “the salesperson leads” business . II.The aspect of the insurance channel：1. “The insuring through the salesperson of insurance company” is the main insurance channel. 2. Through insurance salesperson or the telemarketing is for present or the future main insurance way. III.The aspect of the salesperson selling intention：1.“The customer initiative insurance” is the principal factor of the selling the travel insurance for the salesperson. 2. When the salesperson sells on own initiative, “own benefit guidance” is as the main consideration, concerning the commission and the sales proportion. 3. “Product diversification” and “commission” is principal factor to encourage the salesperson selling the travel insurance. IV.The aspect of the product：1.If the customer non-budget consideration, the protection must be complete and does not have the gap, including the life insurance and property insurance product. 2.If the customer has the insurance premium to budget under the limit, the travel insurance should contain at least the accidental medical policy and the overseas suddenly disease medical policy. V.The aspect of the customer psychology：“To obtain the travel insurance as a free gift using the credit card” is principal factor to not be willing to purchase the travel insurance for the customer. VI.The aspect of the promotion strategy：1.The promotion for customer is more effective than for salesperson. 2.Especially to customer promotion, “To obtain the traveling inconvenient coverage as a free gift buying the travel insurance” is the most main and effective promotion. Key words: Travel Accident Insurance, Life Insurance Company, Selling Intention, Selling Performance

Made available in DSpace on 2016-04-26T20:29:42Z (GMT). No. of bitstreams: 1 Fabio Batista de Medeiros.pdf: 914549 bytes, checksum: 240bf18a4427cb9279ff7c48b8ddd5d8 (MD5) Previous issue date: 2009-11-03 / This paper is mainly destined to cover, with scientific accuracy, the issue of financing the special retirement plan and the social security benefits arising from work-related accidents, an issue that purely depends on the notion of risk causing the need for social security protection. The financing of the special retirement and the social security benefits arising from work-related accidents, commonly referred to as contribution for the work-related accident insurance or simply SAT , is a kind of financing of the social security, a division of the social security system. Accordingly, it features a significant importance, as it involves the inflow of revenues that allow maintaining the social security portions destined to protect the society from social contingencies caused by work, such as the risks of illnesses, disability arising from accidents and acceleration of human s natural aging process, all of which are the origin of negative influences to men s work capability. Based on that, this paper seeks to properly identify, as regards the issue, its legal nature, its constitutional grounds, its own characteristics and those possibly shared with the other segments of the Social Security Law, exploring the legal interpretation of the rules taken from Statutory Law, particularly Federal Constitution, article 22, II of Law no. 8,212/1991 and paragraphs 6 and 7 of Law no. 8,213/1991 / O presente trabalho tem como objetivo principal abordar, com precisão e rigor científico, o tema do custeio da aposentadoria especial e dos benefícios previdenciários decorrentes de acidentes de trabalho, tema que tem dependência pura à noção de risco gerador da necessidade de proteção previdenciária. O custeio da aposentadoria especial e dos benefícios previdenciários decorrentes de acidentes de trabalho, comumente chamado de contribuição para o seguro acidente de trabalho ou simplesmente SAT , é espécie de custeio da previdência social, ramo da seguridade social. Assim, este se apresenta com destacada importância, pois envolve o ingresso de receitas que proporcionam a manutenção das prestações previdenciárias destinadas a proteger a sociedade de contingências sociais causadas pelo trabalho, como os riscos de doenças, invalidez por acidentes e aceleração do envelhecimento natural do homem, todos causadores de reflexos negativos à capacidade do homem trabalhar. Desta forma, o presente trabalho busca identificar corretamente, em relação ao tema, sua natureza jurídica, seus fundamentos constitucionais, suas características próprias e aquelas eventualmente compartilhadas com os demais caracteres do Direito Previdenciário, tendo como campo de exploração para interpretação jurídica as normas extraídas do Direito Positivo, especialmente a Constituição Federal, o art. 22, II da Lei 8.212/1991 e os §§ 6º e 7º da Lei 8.213/1991

國內保險經營，長久以來即是人身保險及財產保險分業經營方式，但兩者的經營規模差距很大，據統計資料顯示，壽險業這五年來的傷害險保費收入，平均每年約有580億元，健康險平均年約1260億元，對於產險業整體業界總保費收入約1100億元的市場規模而言，實在是塊誘人和商機無限的新市場，能加入傷害險或健康險的經營，將是產險業者突破經營瓶頸的關鍵，不僅保險市場會產生蛻變，更會對消費大眾帶來多元的選擇與影響。 在此背景下，本研究主要探討產險業經營傷害險的績效，並舉個案實例經營此單一險種的過程，就其在商品研發、行銷、核保和理賠等各項作業流程，進行探討分析。經本研究個案分析，歸納出幾點問題，一是在經營策略面，以業績成長為首要的考量，自然會選擇通路商的行銷方式，所謂「掌握通路，就是贏家」，兩年來通路業績佔了該險種的73%，而其賠款金額佔率，亦佔了76%左右，經營績效的結果顯示出「成也通路，敗也通路」，如何強化通路商之管理是經營重點。二是由理賠資料分析統計，並與壽險業資料比較，發現有相關性趨勢，但卻有相對惡化的現象，諸如平均死亡率，男性比女性多出5倍以上，比壽險業的3倍高；平均每件死亡賠款230萬元，比壽險業的120萬元，高出近一倍，且又以男性50~59歲的年齡層最高，此點顯示出其商品是否有「保費太低而保障過高」的問題。三是其面臨人力和經驗不足的問題，加上缺乏醫療、法務、徵信調查等相關專業人員及其運作經驗，無法在核保和理賠作業時，因應實際的作業需求。 我國保險法經過兩次修正後，現在已開放產險業者得以經營傷害險，再者，有關健康險是否可進一步開放予產險業者經營，相信很快會經立法院通過修法審議。故本研究的結果，即是找出經營問題和原因，並提出改善建議，期能提供產險業者經營傷害險或未來健康險的參酌。 關鍵字：個人傷害保險、綜合率、非比率再保險 / In our insurance market, there are two types of operation, that is, life insurance and non-life insurance, but the business scale of the two types has a long way to go. According to the data, the average premium income of whole life insurance market of the personal accident and health insurance is about NT$58 billion and NT$126 billion per year respectively among these five years. Relative to the non-life insurance which premium income is about NT$110 billion, it’s really a captivating and unlimited new market that the non-life insurance can take the risk about the personal accident and health insurance. From my point of view, it will be the main key to break through the bottleneck of operation of the non-life insurance market. Not only the whole insurance market will be changed but also it can bring multi-choice and influence to consumers. Under this background, the main task of this research is discussing the non-life insurance’s result of operation the personal accident insurance. It has a real case that also includes the product of development, marketing, underwriter and claim for further discussion and analysis. According to the research of this case, it can generalize some points as below. The first is about the tactic of operation: we will choice the way of marketing way of channel if we consider the growth of premium income as primary issue. What is called” Someone will be a winner if he controls the channel”. In our company, the business of channel was occupied about 73% of the personal accident insurance and the claim also in the same situation was about 76% over the past two years. Unfortunately, the result of operation is “Control the channel will make someone success and failure”, so the key point of operation is how to enhance the management of channel. The second is about the statistics of claim: we compared with the data of life and non-life insurance and find some related trends, but there is a phenomenon of related aggravation, such as rate of average death, men are five times more than women in non-life insurance but only three times in life insurance statistics; the average indemnity of death is about NT$2.3 million in non-life insurance which is one time higher than life insurance market and especially with men that age level among in 50~59 years old. On the basis of above mentioned, it shows the problem of this product have higher indemnification but lower premium income. The third is about the problem of lack of manpower and inadequate experience, in addition, it also lack such relevant professional personnel as medical, legal and investigative, etc. So it can’t offer the demand of real operation in the underwriting and claim process. The law of insurance has already opened that the non-life insurance can operate the personal accident insurance after revision two times in our country. Moreover, we believe that will be passed through about the non-life insurance also can operate the health insurance by the legislative rapidly. After the analysis, the conclusion of this research is finding out the question and reason of operation and offering the suggestion of improvement. I hope it can provide some recommendations for the non-life insurance that will operate the personal accident insurance or oncoming of the health insurance. Key words: Personal Accident Insurance、Combined Ratio、Excess of Loss

No description available.

The work is focused on the analysis of the insurance market in the Czech Republic. On the grounds of the results of the analysis, there were chosen three largest insurances on the Czech market. Consequently it was described their development over the past five years. The main aim is to compare the selected products of the non-life insurance with those insurers. It was compared offers of lability insurance and accident insurance. On the grounds of results there is no reason to change the existing lability from the insurer Kooperativa. The best option of accident insurance was chosen the offer from the same insurer Kooperativa. In the market is currently no better option insurance premium for my car under my requirements. The best way to negotiate the insurance business as through meetings with insurance company representative.

My thesis theme from the branch of insurance industry has been chosen for a reason of my long-term experience. The particular theme of "accident insurance" has been then chosen and based on the fact that in general it belongs to one of the most important types of insurance and everybody should arrange for it. In the part of theory I would like to clarify basic terms of the field of accident insurance as well as those of insurance industry as a whole. At the same time I would like to illustrate how and where an insurance contract can be concluded and what one should be aware of before and in the course of concluding such an insurance contract. An integral part of the theory will also be legislation dealing with the insurance industry and its development. The practical part will be focused on looking for different insurance amounts people should be insured for. In addition there will be given a particular example of effecting an accident insurance of more people as well as of a person and various insurance companies' offers in my place of living will be analysed. In conclusion let me make basic calculations concerning the insurance clear and analyse the data that will be at my disposal.

Summary in Afrikaans and English / Against the background of the volume of Third Party Claims instituted annually and considering the cost involved therein, it has become increasingly important that Industrial Psychologists be consulted to assist in the quantifying of such claims. From an Industrial Psychologist's view, these claims can be quantified by making use of certain Industrial Psychology techniques. These techniques include psychometrical evaluation, applying the knowledge on:- training, job analysis, interviewing and guidance, career planning and ergonomics. The purpose of this study was to liaise with the Legal Profession to identify the requirements and problem areas experienced in the establishing and quantifying of Third Party Insurance Claims. The needs thus identified served as the basis for this study. In the process of defining and categorising these problems, it became apparent that these requirements could be addressed satisfactorily by Industrial Psychologists. It was therefore possible also to determine whether Industrial Psychology as a Science, could contribute to solving these problems. To determine therefore whether Industrial Psychology could actually address and solve these problems and whether the Courts would recognise the contribution of Industrial Psychologists, an actual case study was made of a matter where two Industrial Psychologists had made evaluations. Researching the methods of evaluations employed, and viewing the finding of the Court thereafter, it became apparent that Industrial Psychology can satisfy the need encountered by the legal profession therein. It is further concluded that the curriculum of Industrial Psychology may be successfully applied as an accepted Science in the quantifying of Third Party Insurance Claims. / Teen die agtergrond van die hoeveelheid derdepartyeise wat jaarliks ingedien word, met inagneming van die koste verbonde, word dit toenemend belangrik dat bedryfsielkunde behulpsaam moet wees met die kwantifisering van sulke eise. Vanuit 'n bedryfsielkundige oogpunt kan hierdie eise gekwantifiseer word deur gebruik te maak van sekere bedryfsielkundige tegnieke. Hierdie tegnieke sluit in, psigometriese evaluering, kennis oor opleiding, posontleding, onderhoudvoering en voorligting, loopbaanbeplanning en ergonomika. / Industrial and Organisational Psychology / M. Com. (Industrial and Organisational Psychology)

This work is focused on the current situation in the travel insurance market and how this corresponds to the current needs demand. The first part is about the insurance industry and product detail then travel insurance. The second part examines supply, thus the offer of travel insurance from various distributors and compares them with each other. A further section deals with the requirements of the passengers thus the demand. The result of the work describes the intersection of supply and demand. In conclusion, test hypotheses and summarizes the main findings.