ANALYSIS OF SELECTED SUPPLEMENTARY HEALTH INSURANCE OFFERS

U priloženom radu obrađena je tema zdravstvenog osiguranja u Republici Hrvatskoj s naglaskom na princip funkcioniranja dopunskog zdravstvenog osiguranja. Cilj rad bio je omogućiti jednostavan i sažet pregled koncepta pružanja usluge zdravstvene zaštite na ovom području te analizirati i usporediti tri različita pružatelja usluge osiguranja na tržištu dopunskog zdravstvenog osiguranja. Usporedba je izvršena na temelju Hrvatskog zavoda za zdravstveno osiguranje, Croatie osiguranja d.d te Uniqa osiguranja d.d. U radu je prikazan kratki povijesni pregled razvoja osiguranja te je objašnjen sam koncept pojma osiguranja i njegovih elementarnih značajki, kako bi se omogućilo lakše razumijevanje spomenute tematike. Omogućen je sažet pregled podijele zdravstvenog osiguranja na obvezno i dobrovoljno zdravstveno osiguranje, koje se nadalje dijeli na dopunsko osiguranje, dodatno osiguranje te privatno osiguranje, iako je prvotni fokus rada usmjeren na analizu sustava dopunskog zdravstvenog osiguranja. Odnosno, na način na koji isti funkcionira na tržištu osiguranja te koji zakonski akti definiraju područje njegova djelovanja.The attached paper deals with the topic of health insurance in the Republic of Croatia with an emphasis on the principle of functioning of supplementary health insurance. The aim of the paper was to provide a simple and concise overview of the concept of providing health care services in this area and to analyze and compare three different insurance service providers on the supplementary health insurance market. The comparison was made on the basis of the Croatian Institute for Health Insurance, Croatia Insurance d.d. and Uniqa Insurance d.d. The paper presents a brief historical overview of the development of insurance and explains the very concept of the term insurance and its elementary features, in order to facilitate an easier understanding of the mentioned topic. A concise overview of the division of health insurance into mandatory and voluntary health insurance is provided, which is further divided into supplementary insurance, additional insurance and private insurance, although the initial focus of the work is on the analysis of the supplementary health insurance system. That is, in the way it functions in the insurance market and which legal acts define the area of its activity