Prevence jako ekonomická strategie

Abstract

This thesis focuses on the economic and practical analysis of preventive programs of the Czech Industrial Health Insurance Company (Česká průmyslová zdravotní pojišťovna – ČPZP) and their importance for the sustainability of the public health insurance system. The aim of the thesis was to evaluate how effectively the insurance company allocates resources from the prevention fund and to assess the impact of these investments on the health and satisfaction of insured individuals. The theoretical part explains the principles of prevention, the financing of health insurance companies, and economic methods for measuring the return on investment in preventive care. The practical part is based on an economic analysis of internal documents of ČPZP, a comparison with competing health insurance companies, and the results of a questionnaire survey conducted among 131 insured individuals. The findings of the thesis indicate that, in certain cases, ČPZP’s preventive programs generate measurable economic savings, improve the health literacy of insured individuals, and contribute to the long-term stability of the system. The output of the thesis includes proposals for optimizing the allocation of resources, improving communication with clients, and enhancing digitalization in the field of prevention.