Podvodná jednání v pojišťovnictví a jejich analýza v České pojišťovně, a. s.

Abstract

The goal of the bachelor thesis is to define possible manners of fraudulent activities in life and non-life insurance from the criminal and insurance perspective and outline causes and consequences of insurance frauds. Further goal is to carry out an analysis of process of insurance frauds in Česká pojišťovna, a. s. and then to suggest suitable procedural and software tools for prevention, detection and investigation of insurance frauds. The thesis is divided into several sections. First, the theoretical part, describes facts of the crime of insurance fraud and classifies insurance frauds in insurance practice. Secondly, it is focused on causes and consequences of insurance frauds being described from the economic and social, legal and psychological perspective. The practical part of the bachelor thesis deals with the analysis and evaluation of the process of insurance frauds in Česká pojišťovna, a. s. within 2005 – 2011. Analysis consists of insurance frauds in the fields of car insurance, property and liability insurance and personal insurance. In the last part there are the procedural and software tools for prevention, detection and investigation of insurance frauds suggested to Česká pojišťovna.