The thesis deals with the segmentation of the life insurance market in the Central Region and Prague Region. Master's thesis consists of theoretical and practical parts. In the theoretical part I try to sketech the process of the market segmentation. The aim of the practical part is to find, uncover and then characterize by segments of the market life insurance in the districts of Central Bohemia and Prague.

The work deals with the current conditions and developments in the field of insurance regulation in the Czech insurance market. Initially, the issue itself needs and merits of regulation. Then analyze the insurance contract and the rights and obligations arising therefrom. Among the most part are the conditions change the conduct of assurance business. Within this section are not only insurance and reinsurance, but also the activities of insurance intermediaries and independent liquidators claims under a separate law on this issue in 2004. Then followed the issue of supervision of insurance companies, and its development activities, carried out supervision body, which was recently amended. Is also included cooperation with the EU, including EU projects show the insurance industry for the near future. Finally, on the basis of the preceding description of an evaluation carried out development of the regulation of the insurance market and future prospects in the coming years, which is going primarily from dominance of European legislation in this area in recent years.

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The existing system in the Czech Republic is based on the continuous financing combined with the optional additional pension insurance. The pension reform in the Czech Republic is necessary. The basic reason is the developments of the demographic situation. It will be necessary to ensure that the new pension system is financially sustainable.

The goal of my final thesis was the analyses of commercial health insurance companies that are based on the Slovak market and also operate there. It was done by the analyses of internal and external environment and its financial coefficients. The paper starts with the introduction which describes the reasons of writting the paper and the methods used. The paper consists of 6 capitols: 4 theoretical and 2 practical. First two capitols briefly describe the insurence system in Slovakia as the part of national economy. Third and fourth capitol talk about commercial health insurence companies and their cooperation with public health insurence companies. The practical part of the paper consists of two capitols: strategic and financial analysis. Based on these facts, there is also graphical demonstration of internal and external environment, and the financiel coefficients of insurence`s development. The conclusion sets the overall results of the analysis as well as the 5 most successful commercial insurence companies are set. The conclusion is also based on the list of 10 criteria for the successful insurence companies, and it also talks about the criteria of clients when choosing their insurence company.

The goal of this thesis is to describe a complex financial plan of a family using all available products on the Czech financial market. The thesis is especially aimed at sources of possible family budget reserves and alternatives of backing life insurances using offers of local insurance companies. First of all you can find simple definition of life time cycle. Based on this cycle I try to describe any differences in needs, which may help to fulfill wishes and priorities that may come up during different life periods. There is a detailed explanation of basics and characteristics of particular components of family financial plan in the following chapters. After these theoretical chapters you can find a comparison of financial products suitable for securing sufficient retirement savings. Following chapters include analysis of risk insurance products with comparison of real existing offers on the Czech insurance market (based on price and specifics of insurance contract conditions).

一、研究目的：對於商業性個人健康保險之特性做一廣泛性整理，再藉由 健康保險保單販賣數年後之實際數據，試著去推估純保費與理賠金額達到 收支平衡之年度，並針對各種有關的考慮因素加以分析探討，期能探窺公 司經營之真正盈虧，使保戶的保費負擔合理，也使得公司的經營穩健安全 ，並能獲得合理的利潤，另外也提出有關精算方面應詳加思考的事項，以 供相關者參考。二、研究方法：本研究乃針對商業保險公司販賣個人健康 保險商品之原始資料，運用電腦計算出歷年度之總保費收入、賠款金額、 賠款次數、責任準備金提存之數據，再用時間數列中十種不同的方法，加 以推測出其目前、未來盈虧之軌跡，且依據繳費年度之不同，可探究其各 險種不同之特性。三、研究結果：１、商業性健康保險其續保年度的增加 並未導致道德危險的發生，而理賠件數率的增加逐年增加，使罹病率有逐 年增加的趨勢。２、實支實付型保單會隨著投保年度的增加而提高每件平 均賠款金額，定額給付型保單之理賠呈現穩定狀況。因此，在醫療服務的 消費量中，每件平均賠款金額的增加，大部份乃導因於價格的通貨膨脹。 ３、一年期健康保險保單因續保的執行，在罹病率增加及價格 通貨膨 脹下，終將從盈餘轉為虧損，所以，無可避免，均 須調高保費。 Health Insurence

一、研究目的：本研究的目的在了解以下的問題：１、「購買店頭販賣之 壽險商品的潛在消費者」與非潛在消費者的人口統計變項是否有所差異？ ２、「購買店頭販賣之壽險商品的潛在消費者」與非潛在消費者對店頭販 賣壽險商品的態度為何？３、「購買店頭販賣之壽險商品的潛在消費者」 與非潛在消費者間之心理因素是否有所差異？４、「購買店頭販賣之壽險 商品的潛在消費者」對壽險資訊來源及對壽險資訊的注意程度。５、「購 買店頭販賣之壽險商品的潛在消費者」對壽險店頭市場地點的偏好？６、 「購買店頭販賣之壽險商品的潛在消費者」對店頭市場販賣壽險商品的偏 好？７、「購買店頭販賣之壽險商品的潛在消費者」對於壽險供應商有無 偏好？二、研究方法： 本研究以居住在大台北地區的民眾為研究對象， 並以壽險店頭市場為研究範圍，採用便利抽樣法抽樣，再利用統計方法上 的因素分析、卡方檢定、變異數分析、次數分析及相關分析等來作檢定與 分析。三、研究結果： 1.「年齡」、「婚姻狀況」、「教育程度」、「 個人所得約佔家中總所得比例」等人口統計變項，潛在與非潛在消費者有 顯著差異。 2.潛在與非潛在消費者對購買店頭市場販賣之壽險商品的態 度無顯著差異。 3.心理因素中，潛在與非潛在消費者只對「風險規避」 一項有顯著差異。 4.潛在消費者的資訊來源主要為「親友介紹」、「業 務員」、「報 紙」、「雜誌」、「電視」。 5.潛在消費者較偏好在「 銀行」、「百貨公司」購買壽險商品。 6.潛在消費者較偏好「終身壽險 」、「失能保險」、「醫療保險」及「生死合險─還本型」等壽險商品 。 7.潛在消費者多數表示只要保單合適，什麼性質的公司並不重要。

一、研究目的：本研究之目的在了解以下的問題：１、探討業務人員使用 行動式電腦與其行銷績效間的關係。２、探討業務人員對行動式電腦之態 度及與使用間之關係。３、探討人口統計變數與使用行動式電腦間之關係 。４、探討影響業務人員使用行動式電腦意願之因素為何？５、探討壽險 業務人員使用行動式電腦之趨勢。二、研究方法： 本研究以台北市之壽 險業務人員為研究對象，兼採計質與計量之研究方法，先以判斷性抽樣法 實施小樣本抽樣，以進行人員深度訪談；再以便利抽樣法抽樣抽出大樣本 ，以實施問卷調查。統計方法則採卡方檢定、變異數分析、次數分析及相 關分析等來作檢定與分析。三、研究結果： 1.使用行動式個人電腦之業 務人員，其行銷績效顯著地比未使用者為佳。 2.使用行動式個人電腦之 業務人員，對電腦之態度比未使用者較持肯定之評價。 3.人口統計變數 中僅「性別」與「教育程度」二項因素會影響行動式電腦之使用。 4.業 務人員不使用行動式個人電腦之主要因素為「費用因素」與「不方便使用 」。 5.使用與有意使用行動式個人電腦之業務人員人數合計超過８１％ ，壽險行銷電腦化之現象將愈來愈普遍。