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EN
In universities economics the issues associated with functioning of insurance institutions are a part of the curricula in courses of finance and accounting. The authors present curricula of lectures which contain applying mathematics in insurance. The authors discuss issues in the curriculum of financial mathematics and insurance for the courses of the computer science and econometrics and computer science in the business. The authors also present models of the capitalization of money and other models which can be used in life insurance and superannuation plan.
EN
The paper contains an analysis of changes which took place on the Polish insurance market during the last twenty years. First, some important facts concerning the development of this market between 1990 and 2009 are briefly described. Then, the results of research concerning development tendencies, threats and comparisons with other foreign markets are presented. The development ratios characterizing the insurance market in Poland in comparison with developed markets is analysed. The conducted analysis was mainly focused on the following areas: market structure measured with gross written premium and claims paid, number of insurers operating on the market, ownership and capital structure of the insurance companies and insurance distribution channels. Moreover, new trends concerning changes in demand for insurance products and the increasing need for financial insurance, private health insurance and liability insurance are considered. In the last part of the paper, conclusions and development opportunities as well as new challenges for the insurance sector in Poland are discussed.
EN
The main role of the liability insurance is to protect the insured person or entity against the financial consequences of the potential claims that can be consequences of the events for which the insurance holder is responsible and which they are obliged to repair; on the other hand,it protects the third parties. However, it should be noted that the responsibility of the insurer is limited by the amount of cover defined in the contract. The aim of the paper is to investigate whether these amounts are sufficient to cover potential claims made by victims. The authors will focus on personal injuries, which are mainly connected to disability benefits, as this is the field where the highest compensation are paid, especially connected to annuities. The analysis will be based on the results of simulations of annuities conducted on cases divided by gender, age of the victim, and selected European countries. The results will be compared to minimum amounts of cover in motor third party liability insurance and liability insurance of entity engaged in medical activities.
PL
Głównym zadaniem ubezpieczenia odpowiedzialności cywilnej jest ochrona ubezpieczonego przed skutkami finansowymi ewentualnych roszczeń, które mogą być konsekwencją zdarzeń, za które odpowiedzialny jest posiadacz ubezpieczenia i z tego powodu jest zobowiązany. Z drugiej strony ubezpieczenie tego rodzaju chroni również osoby trzecie - poszkodowanych. Należy jednak pamiętać, że odpowiedzialność ubezpieczyciela jest ograniczona wysokością sumy gwarancyjnej określonej w umowie. Celem artykułu jest zbadanie, w jakiej mierze minimalne sumy gwarancyjne dwóch typów obowiązkowych ubezpieczeń OC są wystarczające do pokrycia ewentualnych roszczeń. Autorzy skupią się na szkodach osobowych, których głównym elementem pokrycia są świadczenia rentowe i właśnie w takich przypadkach wypłacane są najwyższe świadczenia. Analiza będzie oparta na wynikach przeprowadzonych symulacji rent według płci i wieku ofiary w wybranych krajach europejskich.Wyniki symulacji będą odniesione do minimalnych sum gwarancyjnych w ubezpieczeniu od odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych i ubezpieczenia odpowiedzialności cywilnej związane j z działalnością medyczną.
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