Pojištění více osob a skupinové pojištění

Abstract

In this thesis I solve the problem of the life insurance calculations by the help of the commutation functions and by the mean value of some random variable. I describe her the advantages and disadvantages of these approaches. The next section outlines the possibilities of constructing a “complex formula“ that would allow to cover more life insurance risks and their combinations in the duration of a single insurance contract. At the time of the writing this thesis the European Court of Justice adopted a decision of the prohibiting the use of different insurance rates for men and women. It is regarded as an act of discrimination to take into account a gender in the premium calculation and it wil be prohibited after 21. November 2012. The potential impact on life insurance, especially on insurance of pairs si outlined in this thesis.