Riešenie vybraných rizík občanov systémom spolupráce súkromného a verejného poistenia
Solving Selected Civil Risks through Co-operation of Private and Public Insurance

Summary/Abstract: Solving Selected Civil Risks through Co-operation of Private and Public Insurance. All developed countries are facing serious demographical and economical trends, which include critically low birth rates, increasing costs of health care per capita and high frequency of natural disasters, other calamities or terrorist attacks. The above risks are connected with increased damage often not included in the insurance policy. It is questionable who should eventually bear such damages. The injured persons tend to expect compensation from insurance companies for the damage on assets or health notwithstanding the reason of the damage. These trends lead to reassessing of the current insurance systems and inventing of new solutions. One of the possibilities is closer co-operation of private (commercial or life) and public insurance. The article describes several aspects of such cooperation. At the beginning we highlighted some developments of private and public insurance, including the mutual elements and differences in the principles of the systems, resulting into examples of co-operation of private and public insurance with the respect of their specifics. Empirical findings have proved that the cooperation of public and private insurance can create positive effects by optimal combination of instruments. One of the most noticeable effects is competition leading to significant improvement of insurance services. Another positive effect is prevention and avoidance of excessive risks, which are managed better by private insurance companies. Co-operation of private and public insurance cannot be implemented in a general way. There are selected areas where positive effects are clear, but there are also areas where the impacts are questionable. Both private and public insurance have boarders limiting the possibilities of their cooperation. However, such co-operation seems to be solution for selected problems of the current society leading to increased safety feeling of citizens.

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