THE LEGAL RELATIONSHIPS BETWEEN THE INSURANCE COMPANY, INSURANCE AGENT - BROKER AND POLICY - HOLDER RESPECTIVELY INSURED PERSON

Zavarovalništvo dejansko posega v vsa področja našega življenja in je izjemno pomembna gospodarska panoga v razvitih gospodarstvih. Na zavarovalnem trgu, tako slovenskem kot evropskem in drugih, nastopajo različni subjekti, ki so med seboj v različnih pravnih razmerjih in imajo različne pravice in obveznosti, ki so odraz zakonskih ali pogodbenih določil. Osrednja tema diplomskega dela so pravna razmerja med zavarovalnico, zavarovalnim zastopnikom - posrednikom in zavarovalcem oziroma upravičencem, pri čemer najprej za posamezne udeležence zavarovalnega razmerja navajam statusne značilnosti, nato pa skozi posamezna poglavja in podpoglavja predstavljam njihove medsebojne pravice in dolžnosti, kot izvirajo iz pravnih razmerij tekom trajanja zavarovalne pogodbe. Načini, kako pride do sklenitve zavarovalne pogodbe, so različni. Zakon o zavarovalništvu natančno določa pogoje trženja zavarovalnih storitev, zlasti kdo lahko opravlja dejavnost in posle zavarovalnega zastopanja in posredovanja. Zavarovalec potrebuje različne vrste zavarovanj, pri tem pa zaradi zapletenih zavarovalnih produktov pogosto potrebuje pomoč ustrezno strokovno usposobljene osebe, kot so npr. zavarovalni zastopniki ali zavarovalni posredniki. Čeprav imata tako zavarovalni zastopnik kot zavarovalni posrednik interes, da zavarovalec z zavarovalnico sklene zavarovalno pogodbo, med njima obstaja več razlik. Namen življenjskega zavarovanja je zagotavljanje ekonomske varnosti, bodisi samega zavarovalca bodisi varnosti drugih. Zavarovalec lahko s pogodbo o življenjskem zavarovanju, s kakšnim poznejšim pravnim poslom, tudi z oporoko, določi osebo, ki bo imela pravice iz pogodbe. Število sklenjenih polic življenjskih zavarovanj se iz leta v leto povečuje, zato v diplomskem delu predstavljam tudi pravna razmerja upravičenca ter njegove pravice in obveznosti iz take pogodbe.Insurance actually affects all areas of our lives and it is extremely important economic industry in developed Economy. In the insurance market, in Slovenian as in European, appear different entities, which are in different legal relationships and have different rights and obligations that reflect the statutory or contractual provisions. The central theme of this thesis are the legal relationships between the insurance company, insurance agent - broker and policy - holder respectively insured person. At first I cite status characteristics of each individual participants of the insurance relationship. In specific sections and subsections below, I represent their mutual rights and obligations, as arising from the legal relationships during the duration of insurance contracts. Ways to conclude an insurance contract are different. Insurance Act specifies the conditions for the marketing of insurance services, especially who can perform activities and business on insurance representation and insurance mediation. The policy - holder needs various types of insurance. Because of of the complexity of insurance products, he often needs help from properly qualified person, as insurance agents or insurance brokers. Insurance agent and insurance broker both have an interest, that the policy - holder concludes a contract of insurance with the insurance company, although there are several differences between them. The purpose of life insurance is ensuring the economic security, either for single insurers or others. With a contract of life insurance, with any subsequent legal transaction, including a will, the policy - holder may defines the person, who will have rights out of the contract. Number of life insurance contracts increases from year to year, therefore I represent also the legal relationships and rights and obligations of the beneficiary of such contracts (insured person)