2016, br. 36, str. 145-160
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Analiza tržišta životnog osiguranja u Srbiji i zemljama u regionu
Analysis of life insurance market in Serbia and countries in the region
Sažetak
U savremenim tržišnim uslovima u kojima je rizik veoma izražen i prisutan, uloga osiguranja mora biti prepoznata i adekvatno pozicionirana prilikom upravljanja rizičnim tačkama. Jedna od brzorastućih vrsta osiguranja u svetu jeste životno osiguranje, koje je esencijalno za svakog pojedinca. Cilj rada jeste da se ukaže na značaj životnog osiguranja u ekonomiji i kod samih ljudi. Ono omogućava zaštitu i određeni vid sigurnosti koji je neophodan svim subjektima koji su prisutni na tržištu. Stepen razvijenosti tržišta osiguranja zavisi od ekonomskih prilika u zemlji, adekvatnog regulativnog okvira i životnog standarda stanovništva, uz spremnost osiguravajućih društava da kreiraju adekvatne portfolije, koji će biti prilagođeni i dostupni klijentima. Sam rad je koncipiran u tri dela, gde se u prvom ističu uloga i značaj životnog osiguranja u ekonomskim tokovima. Takođe, ističu se rizici koji su prisutni u životnom osiguranju, uz definisanje vrsta osiguranja koje postoje. U trećem delu fokus je usmeren na analizu tržišta životnog osiguranja u Srbiji, uz uporedni prikaz tržišta zemalja u regionu, odnosno Crne G ore, Bosne i Hercegovine i Hrvatske. Poseban naglasak je stavljen na broj osiguranika, iznos premija i njihove relativne promene, kao i na poređenje s neživotnim osiguranjem u vremenskom periodu 2011-2015. godine.
Abstract
In modern market conditions where the risk is very strong and present, the role of insurance has to be recognized and adequately positioned when managing risk points. One of the rapid growing types of insurance in the world is life insurance, which is essential for each individual. The aim of this paper is to point out the importance of life insurance in economy and with the people themselves. It provides protection and a certain form of security that is necessary to all subjects which are present on the market. The level of insurance market development depends on the economic situation in the country, an adequate regulatory framework and standards of living of the population with the willingness of insurance companies to create appropriate portfolios that will be adapted and made available to clients. The paper is divided into three parts, where the first emphasizes the role and importance of life insurance in economic flows. Also, it points out the risks that are presented in life insurance with the definition of insurance types which exist. The third part is focused on the analysis of life insurance market in Serbia with a comparative overview of the market in the region, respectively Montenegro, Bosnia and Herzegovina and Croatia. Special emphasis is placed on the number of insured, the amount of premiums and their relative changes and comparison with the non-life insurance in the period 2011-2015.
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