Master’s thesis deal with proposal of suitable insurance portfolio for selected company. It contains characteristics of the selected company and risk analysis that may cause difficulties and proposal of an insurance portfolio that is designed to help the selected company tolerate the most serious risks to activities through commercial insurance.

The topic of the master`s thesis solves multifunctional building with the insurance company and apartments in Hranice. Part of the insurance is designed reinforced plate concrete skeleton. It is a five-storey building. 1.-4.NP used for insurance operations. 5.NP technical background. Not walkable flat roof. Terraced apartment building with four residential units are separated by an expansion joint. 1.NP designed as a reinforced concrete skeleton girder. Other floors (2nd-5th floor) designed from ceramic bricks POROTHERM. The ceilings are covered in concrete. Not walkable flat roof. The entire building is based on a reinforced concrete footings and no basement.

The Diploma thesis deals with financial performance of selected commercial insurances on the Czech and German market in years 2010 - 2014. The thesis includes an external analysis of selected insurance companies based on financial ratios used in insurance and comparing their results each year of the reporting period separately for each insurance company. For increasing the information value of the results is made a comparing insurance companies between themselves. On the basis of results are given recommendations for optimizing unwanted values to improve the financial health of insurances, which is the basis for making profit.

This diploma work is engaged in the issue of the life assurance. It includes the proposal of the product from the life assurance branch for the start of the chosen business subjekt that the best corresponds with the dedicated requirements.

Die vorliegende Arbeit illustriert das Prinzip der Risikoteilung anhand typischer Beispiele von Versicherungsverträgen zwischen Versicherungsnehmer und Versicherungsunternehmen oder zwischen Erstversicherer und Rückversicherer, und sie skizziert einige der mit der Risikoteilung verbundenen mathematischen Probleme. / The present paper illustrates the principle of risk sharing by way of prominent examples of insurance contracts between the policyholder and the insurance company, as well as between the primary insurer and the reinsurer, and it addresses some of the mathematical problems related to risk sharing.

В магистерской диссертации рассмотрены теоретические основы организации добровольного медицинского страхования. Представлен национальный и международный опыт. Показана социальная и экономическая роль медицинского страхования. Рассмотрена деятельность страховой компании СОГАЗ. Раскрыто содержание проблем в медицинском страховании. Представлены направления повышения эффективности деятельности страховой компании. / In the master's thesis theoretical bases of the organization of voluntary medical insurance are considered. National and international experience is presented. The social and economic role of health insurance is shown. The activity of the insurance company SOGAZ is considered. The content of problems in medical insurance is disclosed. Are presented directions of increase of efficiency of activity of the insurance company.

Thesis (MBA (Business Management))--University of Stellenbosch, 2007. / ENGLISH ABSTRACT: Since its inception in 1998 as a wholly owned captive insurer, Sasguard has successfully supplied the short-term insurance needs of its parent company, Pioneer Foods Pty Ltd. Although the financial results of Sasguard increased steadily over this entire period, the insurer has never investigated the quality of its service regarding the perceptions of its internal support staff, who represent Sasguard to its client Pioneer. The objective of this research report was to critically analyse the insurer’s current risk underwriting and claims management procedures to determine if the current situation was acceptable and if not, to present proposals to reduce costs and to supply Sasguard’s internal clients (members of the parent company) with a better service. The tasks that were completed for this report were: • a literature study on aspects of risk management directly applicable to Sasguard; • critical analysis of the current risk underwriting and claims management procedures; • identification of shortcomings in the current structure; • collection of responses from internal support staff members by an electronic questionnaire; • critical analysis of those responses; and • proposals which Sasguard can implement to address identified shortcomings. The questionnaire was posted on Pioneer’s intranet site, and the entire population of 30 members was notified by email to complete and submit it within a specified period. Twenty-eight staff members did, with two on leave, for a 93% response rate. The responses were analysed in detail to form the basis of the empirical investigation. They were compared to the writer’s own observations, and together were used to develop conclusions and recommendations which Sasguard can implement in future to reduce both risk and costs associated with claims submitted by its internal clients. The main findings follow. Not enough representatives are at management level. Most (89%) want to increase their background knowledge of insurance, mainly through Sasguard. They want a paperless system to view claims. They were divided on whether to establish a workshop to recover parts of disused vehicles; more study is needed. They want to simplify the process of getting quotes and thus facilitating claims. They want better two-way communication. They favoured using the claims history of a branch, along with other forms of reward, to motivate supervisors and drivers, and others, to reduce the accident rate. The issue of whether out-sourced drivers have increased accident claims needs more study. Indeed, the legal employment status of out-sourced drivers needs to be addressed. Most of the internal client representatives were satisfied with the speed of claims settlement, but nearly a third were not entirely satisfied, which the researcher interprets as a cause for concern. Furthermore, one fourth would consider moving to a traditional insurer; this perception also is worrying and can be addressed, possibly through better understanding of the captive insurer and its practices. Proposals followed from the findings, hopefully to be implemented in due course. While results cannot be generalised, they can be provide insight to other captive insurers, especially those in a manufacturing environment similar to that at Pioneer Foods. / AFRIKAANSE OPSOMMING: Vanaf die totstandkoming van Sasguard as ‘n alleenbeheerde gevange versekeraar in 1998, was die maatskappy deurgaans instaat om in sy moeder maatskappy se korttermyn verskeringsbehoeftes te voorsien. Alhoewel Sasguard se finansiële resultate vir die totale periode voortdurend gegroei het, het die versekeraar dit nooit voorheen nodig geag om ‘n ondersoek te loods om te bepaal of dit werklik in sy interne kliënte se verskeringsbehoeftes voorsien het aldan nie. Die oogmerk van hierdie navorsingsverslag was om ‘n kritiese analise op die versekeraar se huidige onderskrywings en eise besturingsmetodes toe te pas om daaruit te bepaal of die huidige metodes wel voldoende is aldan nie. Indien daar bevind sou word dat die huidige metodes nie voldoende is nie, voorstelle te ontwikkel om die koste van eise te verminder en ‘n beter diens aan sy interne kliënte te kan lewer. Die voortvloeinde take van die werkstuk is: • ‘n Literatuurstudie op daardie aspekte van risikobestuur wat ‘n direkte invloed op Sasguard se besigheidsomgewing het; • Kritiese analise van die huidige metodes om risko te onderskryf en eise te bestuur; • Om tekortkominge in die huidige struktuur te identifiseer; • Verkryging van die versekeraar se interne ondersteuningspersoneel se opinies deur ‘n elektroniese vraelys; • ‘n Kritiese analise van die respondente se antwoorde; en • Voorstelle wat Sasguard kan gebruik om die geidentifiseerde tekortkominge suksesvol aan te spreek. Die vraelys was op die maatskappy se intranet netwerk geplaas en e-posse is gebruik om elke individuele respondent in kennis te stel om die vraelys te voltooi binne ‘n bepaalde tydperk. ‘n Totaal van 28 uit die 30 populasie het die vraelys voltooi, vir ‘n totale reaksie van 93 persent. Die antwoorde vanaf respondente is getabuleer en het gedien as basis van die empiriese studie. Deur die getabuleerde data met die skrywer se eie observasies te vergelyk kon voorstelle ontwerp word wat die versekeraar in die toekoms kan gebruik om aan die een kant sy blootstelling aan risiko te verminder en aan die ander kant sy eisekoste te verlaag. Die hoofbevindinge van die studie volg hiernaas. ‘n Grooter aantal interne kliënt verteenwoordigers moet op bestuursvlak dien by die interne kliënt. Die meeste van hierdie verteenwoordigers het ‘n behoefte daaraan om hulle verskeringskennis uit te brei, hulle verkies ‘n papierlose sisteem waarop vordering van hulle ingediende eise vertoon word, hulle het ‘n behoefte aan ‘n meer eenvoudige proses om kwotasies te verkry en hulle benodig verbeterde tweerigting kommunikasie. Hulle is optimisties dat aksies waardeur goeie drywers erkenning ontvang ‘n positiewe invloed kan hê op hierdie drywers, asook ander individue, wat daardeur ook toekomstige eise sal verlaag. Die terugvoer was dubbelsinnig rakende die oprigting van ‘n sentrale onderdele verskaffer, die ongeluksratio van uitgekontrakteerde drywers, sowel as die wetlike aspekte rondom die status van hierdie drywers. Areas van kommer is die ontevredenheid van sommige interne verteenwoordigers ten opsigte van die spoed van eise afhandeling, asook die siening dat tradisionele versekering moontlik meer waarde kan bied as gevange versekering. Alhoewel die resultate van hierdie navorsingsprojek nie veralgemeen kan word nie, voorsien dit wel insig aan ander gevange versekeraars, veral vir organisasies wat in dieselfde vervaardigings-sektor as Pioneer Foods sake doen.

People play a major role in the marketing of services, due to the fact services are intangible, and customers look for ways to determine the quality of services. Since services differ from physical goods, service providers need to understand how they affect their organizations. Furthermore, the criterion for satisfaction is different and the customer participates in the process, hence the interest to study this more thoroughly.

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

Title: Customer satisfaction research for a company ePojisteni.cz s.r.o. trough the method of Net Promoter Score. Goals: The ain is to analyze satisfaction and loyalty with company ePojisteni.cz s.r.o. and propose measures that would lead to increased satisfaction and loyalty both of the sides - the customer on the one side and company ePojisteni.cz s.r.o. on the other. Methods: Satisfaction and loyalty were measured using the Net Promoter Score. It is a tool that allows rapid measurement of customer loyalty. Question: 'How likely is that you recommend us to your friends?" was sent to 400 respondents. This issue was further extended verbal evaluation. Some shortcomings I sought a solution with the product manager of the company. Results: The company ePojisteni.cz s.r.o. is broker of insurance for czech insurance company. The result of method Net Promoter Score is hopeful. The customers are very contented with this company and they are loyal. In second part of research the customers warm about some shortcomings. On these shortcomings I was looking for a solution with Product manager of the company. Keywords: loyalty, customer, insurance, insurance contract, the policyholder, insurer, insurance company, broker, agent, method, analysis.