TRAVEL INSURANCES IN SLOVENIA

Delo diplomskega seminarja z naslovom Turistična zavarovanja v Sloveniji je razdeljeno na šest poglavij. V prvem poglavju opredeljujemo področje in opisujemo problem, namen in osnovne trditve. Navajamo tudi predpostavke in omejitve ter metode raziskovanja. V drugem poglavju opredeljujemo, kaj turizem sploh je, in opisujemo nevarnosti ter tveganja, s katerimi se srečujemo v turizmu. Prav tako opredeljujemo, kaj je zavarovanje in kakšne oblike zavarovanj so namenjene turistom. V tretjem poglavju opredeljujemo turistično zavarovanje, kaj zajema kritje turističnega zavarovanja in kako se lahko sklene to zavarovanje. Opredeljujemo tudi turistično asistenco in njene lastnosti. Četrto poglavje opisuje zavarovalne storitve turističnega zavarovanja, kjer primerjamo ponudbe treh slovenskih zavarovalnic. V petem poglavju predstavimo dve tuji zavarovalnici, ki delujeta na področju turističnih zavarovanjto sta Evropsko turistično zavarovanje in AllClear zavarovanje za osebe z že obstoječimi zdravstvenimi težavami. Predstavimo tudi zavarovalne storitve in izključitve obeh zavarovalnic. V šestem poglavju predstavimo lastne predloge uvedbe novih zavarovalnih storitev in rešitve, kako z njimi seznaniti potencialne odjemalce. Predlogi so nastali na osnovi analize spletnih strani tujih zavarovalnic.This diploma thesis, Travel Insurances in Slovenia, is divided into six chapters. In the first chapter, we define the field of research and describe the scope of the problem, the purpose of our research and fundamental claims. We also state our assumptions as well as research limitations and research methods. In the second chapter, we define tourism as such and describe the dangers and risks faced in tourism industry. We also provide a definition of insurance and state different types of insurance offered to tourists. In the third chapter, we define travel insurance by focusing on what travel insurance covers and how one can take out insurance. Also, we define travel assistance and its elements. The fourth chapter describes travel insurance coverage. Here we compare the offer of three Slovene insurance companies. In the fifth chapter, we introduce two foreign insurance companies operating in the field of travel insurances. These are the European Travel Insurance and All Clear Insurance for people with pre-existing health conditions. We present insurance services and exclusions of these two companies. The sixth chapter describes our own proposal to Slovene insurance companies for the inclusion of new insurance services and gives a suggestion how to inform potential customers about them. The proposals are based on our analysis of the insurance offers presented on foreign insurance companies’ websites