Insurance products and their use in everyday life

The thesis deals with public health insurance. It is divided into four parts. The first theoretical part provides a conceptual framework for the subject: it presents a general definition of insurance, describes its nature, a brief history of insurance schemes and outlines types of insurance available. The second theoretical part focuses on core issues: it introduces the area of public health insurance, its nature, models, operation and other aspects which each insurance policy holder should be aware of. The first practical part examines the Czech market in public health insurance in 2014 and describes the products and benefits offered by selected health insurance companies valid until 23rd March 2014. The second practical part provides a comparison of selected health insurance companies and their products, followed by a suggestion of the most beneficial insurance company for a model client