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1

Realizacja planów sprzedaży w firmach ubezpieczeniowych

100%
Grzebieniak A.
Ekonomika i Organizacja Przedsiębiorstwa
|
2015
|
issue 3 (782)
59-65
PL
Na realizację planów sprzedaży mają wpływ nie tylko tradycyjne czynniki, czyli cena i jakość oferowanych usług, ale także czynniki utrwalające i pogłębiające lojalność klientów, udogodnienia dla kontaktów klientów z firmą oraz renoma firmy. Implikacje praktyczne wyników badań, wskazują na konieczność zwracania uwagi przez zakłady ubezpieczeń w procesie realizacji planów sprzedaży, także na dodatkowe czynniki, które łącznie ten proces wspomagają. Implikacje społeczne z kolei, odnoszą się do konieczności rozwijania dwukierunkowych kanałów komunikacji z klientem, gdyż w ten sposób zakłady ubezpieczeń mogą z jednej strony, lepiej poznawać i realizować potrzeby klientów, a z drugiej łatwiej realizować swoje plany sprzedaży
EN
The implementation of sales plans have an impact not only traditional factors, that is the price and quality of services, but also factors refresher and deepen customer loyalty, facilities for customer contacts with the company, and the reputation of the company. Practical implications of the results of the study indicate the need to pay attention by insurance companies in the process of implementing sales plans also additional factors that collectively support this process. Social implications, in turn, refer to the need to develop two-way channels of communication with the customer, because in this way insurers can on the one hand and to know better meet the needs of customers and on the other to facilitate their sales plans.
2

Zaufanie i reputacja firm ubezpieczeniowych w ocenie klientów indywidualnych

100%
Grzebieniak A.
Ekonomika i Organizacja Przedsiębiorstwa
|
2015
|
issue 12 (791)
46-55
PL
Firmy ubezpieczeniowe to instytucje zaufania publicznego, które powinny jednak dbać bardziej o zaufanie społeczne, gdyż oznacza to uzyskanie statusu bycia darzonym zaufaniem. Ważną częścią kształtowania tak rozumianych stosunków społecznych jest reputacja, która oznacza ogólną opinię i rozgłos wśród ludzi. W procesie budowania zaufania i reputacji firmy ubezpieczeniowe muszą stosować różne instrumenty marketingowe, z których najważniejszy obecnie wydaje się być „client relations”, czyli instrument dotyczący zarządzania i ochrony relacji firmy z jej najważniejszymi klientami. Relacje te muszą opierać się na sprawiedliwości i partnerstwie, ponieważ czynniki te najbardziej wpływają na zaufanie do firm ubezpieczeniowych. Reputację firmy ubezpieczeniowej buduje najbardziej renoma i innowacyjność, utratę reputacji najbardziej niedostateczna jakość procesu likwidacji szkód i systemu obsługi klienta.
EN
Insurance companies are institutions of public trust, which should, however, care more about the public's trust, because it means obtaining the status of being means with felt confidence. An important part of shaping social relations so understood is the reputation, which is the general opinion and notoriety among the people. In the process of building trust and reputation of the insurance companies have to use different marketing tools, most important of which now seems to be "client relations", which is an instrument for the management and protection of the company's relations with its major customers. These relations must be based on fairness and partnership, because they have the greatest impact on confidence in insurance companies. The reputation of the insurance company builds the most renown and innovation, loss of reputation most unsatisfactory quality of claims handling and customer service system.
3
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Reinsurance of insurance companies in the chosen groups of the second sector on the Polish market within the period of 2017–2018

100%
Grzebieniak A.
Zeszyty Naukowe Małopolskiej Wyższej Szkoły Ekonomicznej w Tarnowie
|
2020
|
issue 1(45)
13-26
EN
The aim of this article is to evaluate the level of reinsurance used by Polish national insurance companies in the second insurance sector and in its certain groups within the period of 2017–2018. The conducted analysis shows that over the period 2017–2018 both in all the financial insurance (the second insurance sector) as well as in its particular groups like motor third party liability insurance or motor own damage insurance for land vehicles there is a trend of an increase of ceded premiums starting from 2009. The level of premiums in the second sector has doubled and in the case of motor third party liability insurance and motor own damage insurance it has tripled. Such an increase results from two factors. On the one hand, there are higher capital requirements concerning capital requirements for insurance companies with large exposures due to Solvency II. The second factor is the increasing insecurity as far as the future payments are concerned. The increase in the ceded premiums in financial insurance in the analyzed period was not as dynamic as in case of motor third party liability insurance or motor own damage insurance between 2010 and 2016, still it doubled, so the pace of the increase was comparable to the increase of the ceded premiums in the whole insurance market. The highest level of the ceded premiums was observed in group 14 and it amounted about 65% of the total value of the ceded premiums. The percentage was much lower in groups 15 and 16 and it was 52% and 40% respectively. The trend of growth in ceded premiums to the reinsurer in those groups has been stable since 2010.
PL
Celem artykułu jest ocena poziomu reasekuracji stosowanej przez polskie zakłady ubezpieczeń w dziale drugim ubezpieczeń oraz w jego wybranych grupach w latach 2017–2018. Z przeprowadzonych analiz wynika, że w latach 2017–2018 utrzymuje się zapoczątkowany w roku 2009 stały trend wzrostu cesji składek do reasekuratorów zarówno w całych ubezpieczeniach majątkowych (dział II ubezpieczeń), jak i w jego wybranych grupach, na przykład w ubezpieczeniach OC i autocasco pojazdów lądowych. Poziom składek w dziale drugim wzrósł dwukrotnie, a w OC i autocasco – trzykrotnie. Jest to wynik z jednej strony zwiększonych wymagań kapitałowych wynikających z Solvency II i dotyczących wymogów kapitałowych wobec zakładów ubezpieczeń przy większej koncentracji ryzyka, z drugiej zaś – zwiększonej niepewności co do przyszłych wypłat w szkodach OC pojazdów lądowych. W przypadku ubezpieczeń finansowych wzrost cesji składek nie był tak dynamiczny w ostatnich latach jak składek OC i autocasco, niemniej jednak wzrósł średnio dwukrotnie, czyli w tempie wzrostu cesji składek do reasekuratorów całego rynku ubezpieczeniowego. Najwyższy poziom cesji składek wystąpił w grupie 14 i kształtował się na poziomie około 65%. Odsetek ten był znacznie niższy w grupach 15 i 16 i wyniósł odpowiednio 52% i 40%. Trend wzrostu cesji składek do reasekuratora w tych grupach ubezpieczeń utrzymuje się od 2010 roku.
4
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Supervision of the Insurance and Reassurance Market According to Solvency II

100%
Grzebieniak A.
Olsztyn Economic Journal
|
2011
|
vol. 6
|
issue 1
165-176
EN
Evaluation of solutions proposed in Solvency II concerning organization and operation of insurance supervision is the objective of the paper. Analysis that involves examination of the components of proposed solutions was applied as the research method. The scope of analysis covered the current and the proposed solutions as well as so far accumulated experiences of the Polish insurance supervision (Polish Financial Supervision Authority [PFSA]) as concerns the effectiveness of organization and operation of insurance supervision.
5
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Reinsurance in Managing Catastrophe and Financial Risk in the Polish Market During the Years 2010-2014

100%
Grzebieniak A.
Olsztyn Economic Journal
|
2015
|
vol. 10
|
issue 3
263-274
EN
Reinsurance plays an important role in managing the risk in an insurance company. Its crucial importance is especially visible in the situation when there is a growth of catastrophic and financial risks on the market. Such a situation has occurred in the Polish market since 2010. In order to achieve financial stabilisation, insurance companies apply reinsurance more frequently so they cede the risk on the reinsurer together with an appropriate part of the premium for the given risk. Catastrophic risk includes, among others, the following groups of insurance: class II- 5, 8, 9, 11 and financial risk in groups 14 and 15. In those insurance groups, the range of reinsurance applied (measured with a percentage of premium given to reinsurers by insurance companies and the percentage of damages received from them in relation to total paid out compensations) was the highest in the analyzed period of time. Research confirmed the hypothesis that together with the growth of catastrophic and financial threats in the Polish economy the range of reinsurance applied in insuring those risks also increases.
6
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Evaluation of the Influence of a Chosen Element of Insurance Companies' Employees Behaviour of on Specific Aspects of Customer Relations Management

100%
Grzebieniak A.
Olsztyn Economic Journal
|
2013
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vol. 8
|
issue 2
177-187
EN
Evaluation of the influence of a selected component of the insurance companies' employees' behaviour on the specific aspects of customer relations management was the objective of the paper. In the paper the hypothesis was assumed that appropriate development of customer relations depends to a large extent on the behaviours of employees defined mainly in the company management strategy in which strictly defined procedures in that area are indicated and appropriate technical, information, IT and organisation and management means are assured. The evaluation was made based on own surveys in which the questionnaire method was used. The mail or Internet questionnaire was the research tool. The questionnaires were distributed to 63 insurance companies possessing their registered offices in Poland during the years 2009-2011. In total, 57 completely and correctly completed questionnaires were returned.
7
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Factors Influencing the Improved Market Standing of Insurance Companies

100%
Grzebieniak A.
Olsztyn Economic Journal
|
2014
|
vol. 9
|
issue 1
57-69
EN
The aim of this article is to identify factors influencing the improvement of the market standing of insurance companies. The following hypothesis was taken into consideration in this elaboration - the market standing of an insurance company is shaped not only by the quality and price of products, but also by the quality of consumer service as well as the company's good name. The identification of the factors was done on the basis of a self-based study in which survey research was used and the data collection instrument was a self-completed questionnaire. The survey was sent by post or via the Internet to all 63 insurance companies located and run in Poland between 2008-2010. 57 questionnaires were correctly completed and sent back.
8
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Evaluation of Life Insurance Market Development in Poland During the Years 1991-2010

100%
Grzebieniak A.
|
2012
|
vol. 7
|
issue 2
209-227
EN
Radical changes in Poland during the last decade of the 20th c. causednot only a significant acceleration of Poland's economic growth rate but also rapid increase in the importance of insurance for the national economy. The penetration coefficient, i.e. the ratio of the gross premium written to the GDP, which in case of the total premiums increased from 1.83% in 1991 to 3.83% in 2010, and in case of life insurance from 0.26% to 2.31% respectively, is considered one of the synthetic measures of that importance. Although the Polish insurance market is developed far less than the European Union market where that coefficient is 7.9% and 4.8% respectively those differences decrease every year. The similar trend is presented by the depth coefficient that is the per capita insurance premium that additionally in case of life insurance increases faster than in case of the insurance sector as a whole. This indicates a relatively good life insurance market development rate in Poland although that market still ranks within the second half of the total number of the European Union countries' domestic markets.
9
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REINSURANCE MANAGEMENT IN INSURANCE COMPANIES IN CASE OF GENERAL THIRD PARTY INSURANCE

100%
Grzebieniak A.
Olsztyn Economic Journal
|
2010
|
vol. 5
|
issue 1
39-49
EN
The aim of the study was to assess the methods of reinsurance management in insurance companies operating in the Polish market during the years 2004-2008. Determination of reinsurance applied by insurance companies in each of the eighteen groups of section II insurance types (according to the Act on insurance activities), including also the discussed group thirteen, i.e. in general third party insurance nit included in groups from nine through twelve was the base for the assessment. Each reinsurance type defines the risk sharing, that is the liability of the insurance company (the assignor) and reinsurer in case of insurance damage, in a different way. The reinsurance method and the scope of damage also influence the reinsurer's commission and the share in profits of the reinsurers that insurance companies receive from the reinsurers. The values of those financial parameters have a very large influence on the operational results of insurance companies as concerns the balance or reinsurance operations, which should oscillate around zero in a longer time perspective.
10
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Content available

Wybrane czynniki kształtujące roszczenia z tytułu ubezpieczeń OC posiadaczy pojazdów mechanicznych w latach 2007–2016

100%
Grzebieniak A.
Prace Naukowe Uniwersytetu Ekonomicznego we Wrocławiu
|
2017
|
issue 500
33-47
PL
Celem opracowania jest wskazanie istotnych wybranych czynników kształtujących roszczenia z tytułu ubezpieczeń OC posiadaczy pojazdów mechanicznych. Jako metodę badawczą zastosowano analizę wybranych faktów związanych m.in. z wypadkami drogowymi, odszkodowaniami i świadczeniami wypłacanymi przez ubezpieczycieli z tytułu OC posiadaczy pojazdów mechanicznych, z wynikami na działalności technicznej oraz szkodowością składki przypisanej brutto z tego tytułu uzyskiwanymi przez ubezpieczycieli, a następnie syntezę zestawiającą uzyskane wnioski i pozwalającą ocenić wybrane czynniki kształtujące roszczenia z tytułu OC posiadaczy pojazdów mechanicznych. W opracowaniu wskazano też na konsekwencje uchwały Sądu Najwyższego z 2016 r., która zmusza ubezpieczycieli do ponoszenia kosztów leczenia i rehabilitacji poszkodowanych w wypadkach również wówczas, gdy poszkodowany korzysta z prywatnej lub zagranicznej placówki medycznej.
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