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2019, vol. 65, br. 2, str. 39-49
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Neki aspekti razvoja osiguranja u Srbiji
Some aspects of insurance development in Serbia
Projekat: Kosovo i Metohija između nacionalnog identiteta i evrointegracija (MPNTR - 47023)
Sažetak
Osnovna svrha konstituisanja osiguranja u pravno-ekonomski ambijent neke zemlje jeste pružanje sigurnosti da realizacija nekih nepovoljnih okolnosti neće narušiti kvalitet funkcionisanja. Samim tim, neizbežno se nameće pitanje: Zašto ovaj koncept nije dovoljno primamljiv stanovništvu, posebno u nerazvijenim i zemljama u razvoju, gde je svaka monetarna kompenzacija gubitaka skoro neophodna? Odgovor na ovo pitanje potražen je kroz dve ankete: jedna anketa ispituje zadovoljstvo korisnika dobrovoljnih vidova osiguranja dok je drugom anketom obuhvaćena populacija koja nije koristila ni jedan oblik dobrovoljnog osiguranja. Na osnovu stečenih percepcija date su preporuke o neophodnim akcijama osiguravajućih društava u cilju njihovog jačeg i dominantnijeg pozicioniranja.
Abstract
The main purpose of incorporating insurance into the law and economy of a country is to ensure that adverse circumstances should not affect the quality of functioning. Consequently, the question is: Why is this concept not attractive for people living in underdeveloped and developing countries, where any financial compensation for the loss is almost necessary? We looked for the answer by means of two questionnaires: one examining satisfaction of voluntary insurance policy holders, and the other using respondents who have never used any form of voluntary insurance. The insights allowed us to make recommendations pertaining to what insurance companies should do to strengthen and improve their position.
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