The aim of diploma thesis is description and application of new product in life insurance area. This product is based on insured body parameters and physical activity monitoring with the assistance of wearables. Based on analysis of the data obtained by the insurance company, it can be setting appropriate and fair price of life insurance. Introduction describes principle of Internet of Things, which idea is reflected in next part described eHealth and telemedicine industries, where will be defined the possibilities of use information and communication technologies in these industries. One from the technologies using in these industries are already mentioned wearables, which can be used into the basic monitoring of individuals health condition. Except of health services is possible use these wearables in insurance industry too, where can monitor physical activity and selected body parameters of individuals and motivate them to exercise and healthy lifestyle in form of insurance discounts. The thesis points to current situation of using these devices at the local as well as global insurance market and possible principle of monitoring and analysis body parameters and lifestyle at Czech insurance market in the form of a new life insurance product.

The master thesis analyzes the property insurance for citizens in the Czech Republic with main focus on buildings insurance, household insurance, and accident insurance for non-rail vehicles. The goal of this thesis is to analyze the development of insurance market indicators of the products stated above and to predict their future behavior. To help with the understanding of the practical part, basic terminology and trends in the general insurance market are included in this work. The main indexes to be analyzed are: premium written, claims paid, loss ratio, number of contracts made, average written premium per contract, number of claims settled, average written premium per insured event, and the number of commercial insurance companies. The main data sources for time series analysis for the period between the years 1997 and 2015 are the annual reports of the Czech Insurance Association. The time series analysis showed that building insurance and household insurance are strongly affected by natural disasters - in the Czech Republic the main impact have floods. Since the main purpose of the accident insurance is to cover accidents, it is only partially impacted by natural disasters. The popularity of property insurance has an increasing tendency, which is shown by the insurance market indicators. Box-Jenkins methodology was used to forecast the future development of the insurance market. Similarly to other insurance products, the property insurance undergoes certain changes, to which the insurance companies must respond. These trends are mainly connected to the higher usage of modern technologies - for instance Internet of Things, introduction of Smart Homes or the ,,Pay How-You-Drive'' insurance.

The aim of my thesis is to review current and approchable types of insurance in Czech republic with an emphasis on the health insurance. The thesis should result in a summary of possible reform or stabilization arrangements that are solving unfavourable prognosis in Czech republic in the long term.

The diploma thesis is focused on area of life insurance. First part explains main role of life insurance and defines its types. It includes information about development trends in the insurance market. The gist of the thesis is comparison of life insurance (unit linked insurace) products of five czech biggest insurance companies. Next part describes motivation of consumers to insure themselves. It also points out the rival products. Last part focuses on pension reform and how life insurance is connected with this reform.

One of the main and crucial activities of an insurance company is to determine amount of technical reserves to be generated. If the insurance company performs in the non-life insurance branch, it focuses first of all on loss reserve which is generated to settle debts coming from insurance claims. To set the proper amount of this reserve, especially of the reserve on incurred but not reported losses (IBNR), mathematical and statistical methods are used. This thesis introduces one of the most used methods which is the chain ladder method. It presents the first chain ladder deterministic model then moves to its stochastic extension in a form of Mack's model and finally gets to the Munich chain ladder model, which takes into calculations not only data on losses paid but also losses incurred. In the theoretical part both these models (standard Mack's chain ladder and Munich chain ladder) are presented both separately and in a common context so that later in the analytical section they could be demonstrated on real data.

The master thesis deals with an additional insurance to a life insurance. In the first chapter I focus on an origin of life insurance and on a number of subjects, which works in the Czech insurance market now compared with the past. In the second chapter I divide life insurance into categories and explain the differences between insurance and a system of insurance. In the third chapter I describe the substance of life insurance, explain important words, which are associated with the system of insurance and I describe forms of life insurance, which we can see at the present time. The fourth chapter belongs to a company Partners For Life Planning, a. s., and its business partners. In the last chapter I deal with the additional insurance of invalidism and the additional insurance of a permanent consequence of injury. With both additional insurances I start describing that insurance, continue with an analysis of products of a chosen insurance company and I finish that chapter with a table and a summary.

This thesis deals with actuarial methods that are used for life insurance and reinsurance, for traditional insurance products (whole life, term insurance, pure endowment, endowment, whole life annuity, temporary annuity). The main goal of this thesis is to outline the actuarial methods used for life insurance premium and reinsurance premium. The work is focused on the comparison of the unisex rates, gender specific rates and legislation changes for both sides, insurance company and policyholder. The model examples for each combination of insurance type and gender specific rates (male, female and unisex) are presented.In the last part of the thesis, the time series of the written premium for the Czech Republic market are analyzed for years from 2006 to 2013. The regression model is used to predict the development in next two years.

The thesis deals about methods widely used for life insurance products evaluation from the clients perspective. These methods of evaluation are important mainly for comparisons of several insurance products. One of goals of the thesis is to analyze existing methods used for evaluation of insurance products and discuss their suitability for comparing life insurance products. These methods are based mainly on cost analyses because they were originally developed especially for investments projects comparisons. The main goal of the thesis is to create new indices for comparing life insurance products. These new indices are supposed to resolve imperfections of regularly used evaluation methods. They are also designed to cover all functions of life insurance therefore they are supposed to provide with more coherent information for comparisons. The indices are based on knowledge of life insurance products, probability, demography, financial and insurance calculus.

Not only productive age population uses life insurance as an instrument serving to cover the risks, but we should more consider using this product in pre-retirement and retirement age. With respect to demographics of the population, we can expect an increase in the number of our elderly population that will be interested in the use of life insurance products. In the introduction, we present a questionnaire survey of potential candidates for insurance product, that provides information about the preferences of the individual types of insurance. Further work focuses on two significant risks for people of working age, the risk of total disability and critical diseases. In the next part we analyze Czech, European and American insurance market with regard to the category of people approaching retirement age. In conclusion, the author makes recommendations for product innovation on the Czech insurance market.

The thesis deals with life insurance market in Czech Republic, its trends and importance. In the first place it defines life insurance and its importance for individuals and whole community. It looks at possible ways how to sign an insurance contract and particularly it explores a work of insurance brokers and deals with the actual questions of the brokerage distribution of insurance. Furthermore, it examines the life insurance market trends since 1990s, it compares it with the trends in European union and sums up the sources of results. Finally, it shows the importance of life insurance for Czech citizens based on questionnaire and predicts future trends of life insurance market in Czech Republic.