Wpływ ubezpieczającego (ubezpieczonego) na kształtowanie produktu ubezpieczeniowego w ubezpieczeniach zdrowotnych: od partycypacji do prosumpcji
Influence of the policy holder (insured person) on the shape of the insurance products in the health insurance area: from participation to prosumption

Summary/Abstract: This article talks about the impact of entities making use of insurance on the final shape of the insurance product being consumed. Due to the service nature of this insurance, partici- pation of the policy holder (insured person) in the production process is unquestionable. The level of that participation may vary though. The article points out that the highest level of involvement of the policy holder (insured person) in shaping the insurance product is associated with the phenomenon of prosumption. A manifestation of prosumption in one of the types of private health insurance, i.e. comprehensive treatment costs insurance, has been identified in the empirical part. A complement to the deliberation is discussion of the prerequisites for active involvement of the policy holder (insured person) in the “produc- tion” of the insurance product, from the point of view of customer's expectations of the insurance company (prosumption coerced by demand) as well from the point of view of benefits anticipated by the insurer (prosumption created by supply).

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