Draudimo produktų kainų lyginamoji analizė Lietuvoje

LTAkcentuojant darnaus ekonominio vystymosi prielaidas Lietuvoje ir siekiant tyrimų pagrindu kurti regioninę politiką, atliktas Lietuvoje veikiančių draudimo bendrovių parduodamų ne gyvybės draudimo produktų kainų palyginimas, apibendrinti pagrindiniai veiksniai, lemiantys skirtingas kainas, išryškinami draudimo produktų įsigijimą skatinantys veiksniai. Konstatuojama, kad dėl draudimo produktų specifiškumo vartotojams sudėtinga nustatyti konkretaus pasiūlymo vertę ir išsirinkti rinkoje kainos ir kokybės požiūriais geriausią pasiūlymą. Atkreiptinas dėmesys, kad vertinant draudimo produkto kainą (vertę) ypač svarbu išanalizuoti papildomas pasiūlymo sąlygas kuriose numatomos draudimo rizikos ir draudimo sumos, kurių pagrindu ir suformuojama galutinė draudimo įmoka. Ieškant geriausio rinkoje pasiūlymo negalima apsiriboti tik kainos aspektu. [Iš leidinio]Reikšminiai žodžiai: Kaina; Ne gyvybės draudimo produktai; Papildomos draudimo sąlygos; Additional insurance conditions; Non-life insurance products; Price.

ENthe same risk, insurance price gains a high importance. Most of the clients are sensitive to the insurance prices level, however, for the consumers to choose desired insurance product according to its price between different insurance companies is very difficult. Therefore, using research methodology to form regional policy, made in Lithuania market operating insurance companies non-life insurance products prices comparative analysis. This study highlight non-life insurance types, i.e., insurance against accidents (in the same structure and insurance against sickness), transport insurance, property insurance, travel insurance, third party liability insurance rates. It should be emphasized that different types of non-life insurance prices can be influenced by different factors. The Compulsory motor third party liability insurance (further CMTPL) price of the insurance affects the value of the vehicle, first registration, the gender of the vehicle driver, age, place of residence, driving experience, recurrence of insured events, the insurance contract signature period (which is important because insurance companies in this case applies price discounts), the vehicle’s engine power. Insurance against accidences and travel insurance prices are determined by user’s gender, age, work type. Property insurance price depends on the value of the property. In order to be able to compare with each other different insurance companies, operating in Lithuania, insurance prices, was formed for different nonlife insurance type’s model and used in all cases in representative Lithuania major city. After systemizing in Lithuania sold non-life insurance product prices observed that in different insurance companies they are significantly different. The most varies vehicle insurance the same insurance types the scale of premiums in different companies.Insurance against accidents prices in different insurance companies can vary up to five times. Collected insurance prices data analysis revealed differences in prices reaching up to 5 times of various insurance products in Lithuania operating different non-life insurance companies. Insurance companies may have several priority insurance products which they are trying to sell in the market for even lower than the lowest market price. At the same time the incurred losses may transfer to the other types of insurance therefore other types of insurance price may be much higher that the competitors in the same market. The most important of insurance proposal is not a price, but risk indemnity insurance amount and refunds. Therefore, once again, it should be mentioned that on the basis of price analyse insurance products offerings appropriate. Very often to compare with each other different companies presented insurance product prices for the average consumer is impossible. For the consumer the content (conditions) and the price structure of the insurance product must be clear, in order that the consumer purchasing insurance would feel calm and safe. It should be noted that the consumer hardly realizing the value of the insurance product, i.e., price, insurance companies require a new approach to pricing strategy formation importance and the same pricing in general. [From the publication]