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2021, vol. 37, br. 1, str. 41-69
Uticaj pandemije kovida 19 na osiguranje
Visoka škola za poslovnu ekonomiju, Beograd + Udruženje za pravo osiguranja Srbije, Beograd

e-adresansjovanovic@sbb.rs
Ključne reči: pandemija; kovid 19; zarazna bolest; osiguravajuće pokriće; uslovi osiguranja
Sažetak
U ovom radu autor analizira uticaj pandemije kovida 19 na unutrašnje i spoljne aspekte organizacije osiguravača, a pogotovo na uslove osiguranja. U uvodom delu daju se opšte napomene o uticaju pandemija na društvo i privredu i opredeljuje se predmet rada. U drugom delu autor istražuje način na koji su osiguravači reagovali na nove uslove rada i ponašanje u odnosu na sopstvenu organizaciju i u odnosu na javnost i osiguranike, kao i određeni razvoj na makroekonomskom i političkom nivou u vezi s pokrivanjem gubitaka zbog kovida 19. Autor zaključuje da je bilo opravdano određeno kašnjenje u donošenju izmena i dopuna liste zaraznih bolesti, da osnovna karakteristika proširenja pokrića za kovid 19 domaćih osiguravača nije nadoknada troškova lečenja, već isplata dnevne nadoknade i pružanje informacija i određenih usluga. Takođe, autor zaključuje da upotrebljene formulacije radi isključenja rizika od zaraznih bolesti mogu stvoriti određene nedoumice u pogledu toga da li se neki štetni događaj može smatrati i osiguranim u zavisnosti od okolnosti i trenutka njegovog nastanka i odredaba pozitivnih propisa.
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O članku

jezik rada: srpski, engleski
vrsta rada: pregledni članak
DOI: 10.5937/TokOsig2101041J
primljen: 19.01.2021.
prihvaćen: 22.02.2021.
objavljen u SCIndeksu: 16.04.2021.

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