Reinsurance model affect on Insurance company business stability

V tej magistrski nalogi sem predstavil pozavarovanje kot nek interni poslovni odnos med zavarovalnico in pozavarovalnico, ki pomembno vpliva na poslovne rezultate zavarovalnice. Opisal sem oblike in načine pozavarovanja v teoriji in v dejanski praksi. Prvi del naloge se nanaša na pomen prepoznavanja tveganja, pred katerim se lahko zaščitimo tako, da se z zavarovalno pogodbo prenaša iz zavarovanca na zavarovalnico. V drugem delu so analizirani procesi, ki potekajo v zavarovalnici z namenom, da bi pravilno ocenili tveganje in ga nad določenim samopridržajem v obliki presežka tveganja prenesli na pozavarovalnico. V tretjem delu obravnavam postopke, ki predstavljajo sodelovanje zavarovalnice s pozavarovalnico in zajemajo analizo pozavarovanja različnih zavarovalnih vrst, ceno pozavarovanja, ocenjevanje tveganj in določanje največje verjetne škode in kar je bolj pomembno, da se na podlagi analiz konkretnih primerov izboljšuje ukrepe za stabilno in varno poslovanje zavarovalnice. Če je praksa prevzemanja tveganja in prenašanja presežkov tveganja skrbno urejena, bo manj verjetno, da pri teh postopkih pride do kakršnekoli napake, ki bi lahko negativno vplivala na poslovne rezultate zavarovalnice. Glede na vse to je mogoče zaključiti, da ima pozavarovanje pomembno vlogo pri zagotavljanju stabilnosti in varnosti poslovanja zavarovalnice. Pomembno pa je, da zavarovalnica pravilno prepoznava tveganja in da presežke teh tveganj nad lastnim samopridržajem skrbno prenaša na pozavarovatelje.In this master thesis we presented reinsurance as an internal business relationship between insurer and reinsurer, which has a significant impact on the bussines results of the insurance company. We described the forms and methods of reinsurance in theory and in practice. The first part of thesis refers to the importance of identifying risks which we can avoide when the insurance contract transfers risks from the insurer to the insurance company. In the second part we analyzed the processes in the insurance company in order to properly evaluate the risks and with a certain net retentions in the form of excess risks which are transferred to the reinsurer. The third part of this thesis deals with processes of constituting the participation of insurance company with reinsurance and includes an analysis of reinsuring various types of insurance, the price of reinsurance, risk assessment and determination of the maximum probable loss and what is the most important: from the analysis of specific cases we can improve measures for stable and safe work of the insurance company. If the practice of risk-taking and risk-transfer surpluses are carefully arranged, it is less likely that these procedures lead to any errors that might have a negative impact on the bussines results of the insurance company. We can conclude that reinsurance plays a significant role in providing the stability and security of insurance company. It is important that the insurance company correctly identify risks and surpluses to risks over their net retentions, and carefully transfers it to the reinsurers