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1.
Obligatory insurance as a form of social engineering
Thomas Allan Heller, Silvia Rigoldi, Jessica Burgos, Mateusz Sasinowski, 2019, izvirni znanstveni članek

Opis: Insurance has been around for centuries. Traditionally, it has been purchased to protect the purchaser, namely, the insured. Over time, the insurance industry has developed an increasing number of products, so that at present one can purchase insurance to cover nearly every risk imaginable. The concept of mandatory or obligatory insurance is a fairly recent development. It traces its origins to the widespread use of the motor vehicle and also employment. Obligatory insurance is designed to protect certain classes of persons, such as workers and those who sustain injury and damage at the hands of others. In this article, the authors compare the current state of obligatory insurance in four democratic countries: the United States, Italy, Aruba and Poland. The aim of the article is to catalogue the similarities and differences in obligatory insurance in those four countries. The countries studied all have obligatory insurance designed to offer some degree of protection to workers injured on the job, and in the course and scope of their work, and to those involved in vehicular collisions. The other primary takeaway from our research is that, predictably, there is less obligatory insurance in the United States than in the other countries studied.
Ključne besede: obligatory insurance, obligatory motor vehicle insurance, obligatory health insurance, obligatory professional liability insurance, workers, compensation insurance, social insurance
Objavljeno: 15.01.2021; Ogledov: 80; Prenosov: 4
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2.
A new European market in insurance distribution
María Rocío Quintáns Eiras, 2017, izvirni znanstveni članek

Opis: The present work provides an approach to the main changes brought to the insurance market by the introduction of the Directive (EU) 2016/1997 of the European Parliament and of the Council of 20 January 2016, which comprises the recast of Directive 2002/92 on insurance mediation. The new Directive implements relevant changes with the paramount aim of reaching a harmonization of the different national provisions concerning insurance and reinsurance distribution of the EU, both on the application scope and on the insurance consumer protection.
Ključne besede: insurance and reinsurance distribution, distribution channels, insured protection
Objavljeno: 15.01.2021; Ogledov: 44; Prenosov: 4
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3.
The use of genetic information in the implementation of insurance
Vladimir Nikiforov, Ekaterina Suvorova, Sergey Zenin, 2020, izvirni znanstveni članek

Opis: Increasing the efficiency of risk assessment for the purposes of personal insurance is impossible without using the latest achievements of modern science. This translates into a growing interest in the use of genetic research results by insurers, which manifests itself not only in legislation and insurers' practices, but also in international recommendations on personal medical data processing for insurance purposes. Based on analysis of foreign practices, the authors determine priority areas of respective legislation development, in particular, legislative recognition of a ban on insurers' access to genetic data in the context of obligatory medical insurance and group insurance programs; granting insurers the right to use genetic testing results for the purposes of life insurance, personal accident and sickness insurance, voluntary medical insurance, if the sum insured exceeds a statutory threshold.
Ključne besede: personal insurance, genetic testing, epigenetic changes, legislation, diagnostic tests, prognostic tests
Objavljeno: 15.01.2021; Ogledov: 51; Prenosov: 6
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4.
The significance of studying and investigation art crime
Bojan Dobovšek, Boštjan Slak, 2011, pregledni znanstveni članek

Opis: Purpose: The purpose of this paper is to demonstrate the basic importance of studying and investigating art crime. Design/Methods/Approach: This paper presents a literature review with new commentary. Findings: Art crime has a long history and there has been some good research done on the topic. However it is still unrecognised in broader circles, even among professionals, and only a portion of the importance of art crime has been studied, often without a strong analysis of the complexities of the field. This paper will seek to fill in some of the gaps in scholarship, while summarizing much of the available literature. Research limitations/implications: A lack of proper and comprehensive academic literature limits the extent of this study, but this is the very reason why this paper is important. Practical implications: This paper represents a summary of the significance of art crime studies and investigation. Originality/Value: The main value is to those who are not yet familiar with art crime. This paper will further bring in some new views to complement the existing scholarship, and will be of interest to those who are keen on knowing about art crime.
Ključne besede: art crime, insurance premiums, looting, war art crime, organised crime, money laundering, corruption
Objavljeno: 12.05.2020; Ogledov: 299; Prenosov: 11
.pdf Celotno besedilo (577,27 KB)
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5.
Supervision of medical activities
Grega Strban, 2016, izvirni znanstveni članek

Opis: It is investigated what kind of supervision could be exercised over medical activities in order to ensure the highest attainable quality of healthcare and access to medical services. To this end rights and especially duties of healthcare providers, definitions of sickness and effective healthcare provision, as well as various supervisory mechanisms and procedures for enforcing the rights, are analysed. It is argued that legal definitions of sickness and effective healthcare provision, stricter supervisory mechanisms and a single, legally regulated professional complaint procedure are required de lege ferenda.
Ključne besede: healthcare provision, sickness, mandatory health insurance, supervision, complaint proceedings, judicial review
Objavljeno: 08.10.2018; Ogledov: 374; Prenosov: 39
.pdf Celotno besedilo (333,49 KB)
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6.
A new European market in insurance distribution
María Rocío Quintás Eiras, 2017, izvirni znanstveni članek

Opis: The present work provides an approach to the main changes brought to the insurance market by the introduction of the Directive (EU) 2016/1997 of the European Parliament and of the Council of 20 January 2016, which comprises the recast of Directive 2002/92 on insurance mediation. The new Directive implements relevant changes with the paramount aim of reaching a harmonization of the different national provisions concerning insurance and reinsurance distribution of the EU, both on the application scope and on the insurance consumer protection.
Ključne besede: insurance and reinsurance distribution, distribution channels, insured protection
Objavljeno: 02.08.2018; Ogledov: 300; Prenosov: 44
.pdf Celotno besedilo (712,64 KB)
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7.
Measuring the concentration of insurance sector
Maja Dimić, Lidija Barjaktarović, Olja Arsenijević, Polona Šprajc, Janez Žirovnik, 2018, izvirni znanstveni članek

Opis: Background and purpose: The goal of the paper is to determine the level of concentration in the insurance sector in the following eight countries of South and Eastern Europe: Serbia, Croatia, Bosnia and Herzegovina, Montenegro, Former Yugoslav Republic of Macedonia, Romania, Bulgaria and Albania in the period from 2007 to 2012. Design/Methodology/Approach: In this context, the analysed indicators of concentration were the market share of the four leading financial institutions (CR4), the Herfindahl-Hirschman Index (HHI), the coefficient of entropy (E), the coefficient of relative entropy (RE) and Gini coefficient (G). Results: The study showed that the insurance sectors in the analysed countries are highly concentrated on average (according to CR4 indicator), medium concentrated (according to HHI) with high levels of inequality of distribution of market shares between individual participants (in terms of G coefficient), and in the zone of relative uniformity and equality of business entities (according to RE coefficient). The research results point out that the existence of different levels of correlation between the analysed indicators of concentration in the insurance sector, which confirms the conclusion that, in order to obtain relevant and quality conclusions about the level of concentration, it is necessary to review and analyse several indicators of concentration integrally. Conclusion: In all observed indicators of concentration in relation with the density level GDP pc move in the zone of very low value, which on the one hand points to the fact that the analysed countries at a relatively similar level of development have significantly different levels of concentration, but also on the fact that some countries although at different levels of development, have similar levels of concentration.
Ključne besede: insurance sector, concentration level, concentration indicators
Objavljeno: 07.05.2018; Ogledov: 952; Prenosov: 56
.pdf Celotno besedilo (1,09 MB)
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8.
Individual's resistance regarding BPM initiative
Mirjana Pejić Bach, Vesna Bosilj-Vukšić, Daila Suša-Vugec, 2017, izvirni znanstveni članek

Opis: Though the individual’s resistance is very often considered a significant barrier to BPM success, the literature on that topic is quite scarce. With the aim to shed light on this topic, we have conducted research of a Croatian insurance company. We examined the impact of individual’s resistance regarding BPM initiative using the theory of reasoned action. Structural equation model was developed using the data collected by the survey among company employees. The results indicate that subjective norms are positively related to the individual’s resistance regarding BPM initiative, while positive initial belief regarding BPM initiative tends to decrease the probability of resistance to change.
Ključne besede: business process management, theory of reasoned action, individual’s resistance, insurance company, change management, Croatia
Objavljeno: 03.05.2018; Ogledov: 436; Prenosov: 110
.pdf Celotno besedilo (837,86 KB)
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9.
Optimum amount of an insurance sum in life insurance
Janez Balkovec, Marija Ovsenik, 2001, izvirni znanstveni članek

Opis: Personal insurances represent one of the sources of personal social security as a category of personal property. How to get a proper life insurance is a frequently asked question. When insuring material objects (car, house...), the problem is usually not in the amount of the taken insurance. With life insurances (abstract goods), problems as such occur. In this paper, we wish to present a model that, according to the financial situation and the anticipated future, makes it possible to calculate the optimum insurance sum in life insurance.
Ključne besede: optimal life insurance, optimal insurance sum, insurance model, personal insurance, personal social security
Objavljeno: 17.07.2017; Ogledov: 478; Prenosov: 86
.pdf Celotno besedilo (563,39 KB)
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10.
Multimodal transport operator liability insurance model
Ratko Zelenika, Tomaž Lotrič, Ervin Bužan, 2011, kratki znanstveni prispevek

Opis: Multimodal transportation means transporting goods from a pickup point, where the operator receives the goods, all the way to the delivery location, using at least two different means of transportation, covered under the same multimodal transport contract and by only one document, regardless of the number or type of transportation vehicles used. The key factor to the optimal operation of multimodal transportation is the multimodal transport operator. It is up to this individual to compensate for various unpredictable circumstances, the complexity of the business processes, nature’s whims and carelessness. He must also organize and execute multimodal transport in all stages. Due to the above mentioned dangers and the fact that the area of liability insurance for multimodal transport operators is still being neglected, this article raises some valid points in favour of a proposal that would cover all of the transportation means as well as all the accompanying activities with a single insurance policy. The model includes 17 elements of liability insurance for a multimodal transport operator and all values which quantify the insurance elements in 2009 as well as the projected values for 2015, when progress is expected in the areas pertaining to the implementation of economical processes concerning transit development, as well as values for 2025, representing a period of innovation, reconstruction, optimization and modernization. With this supposed model for liability insurance of a multimodal transport operator, the foundation is laid for a liability insurance which would be used by a multimodal transport operator.
Ključne besede: transport insurance, multimodal transport, multimodal transport operator, multimodal transport operator liability systems
Objavljeno: 05.06.2017; Ogledov: 641; Prenosov: 312
.pdf Celotno besedilo (430,14 KB)
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