Ugovor o osiguranju života s posebnim osvrtom na osiguranje korisnika kredita za slučaj smrti

master's thesis

• Title (english): Life insurance contract with special reference to credit life insurance
• Author: Sara Aras
• Mentor: Jasenko Marin (mentor)
• Committee member: Jasenko Marin (predsjednik povjerenstva)
• Committee member: Mišo Mudrić (član povjerenstva)
• Committee member: Iva Savić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Law; (Maritime and General Transport Law); Zagreb
• Defense date and country: 2022-09-27, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Law

Abstract

U ovom radu posvetiti ćemo se životnom osiguranju, odnosno jednoj vrsti životnog osiguranja, osiguranju života za slučaj smrti korisnika kredita. Nastoji se usredotočiti na detaljni prikaz životnog osiguranja uključujući ukratko izloženu povijest te vrste i kriterije razvrstavanja životnog osiguranja. Dotiče se i pravnih izvora koji su pridonijeli reguliranju osiguranja. U okviru materijalno-pravnih normi, izuzetno su važni opći i posebni uvjeti osiguranja. Temeljito su razrađene ugovorne strane, posebice njihove obveze koje ih obvezuju na osnovu sklopljenog ugovora. Pravni sustav svake zemlje ima specifične zakone koji reguliraju ta pitanja i premda postoje razlike u pojedinim pravnim sustavima, osnovni zakonski sustavi su slični. Detaljno je prikazana polica osiguranja života i sve njezine specifičnosti. Polica osiguranja života je aleatorna vrsta ugovora gdje jedna ugovorna strana daje nešto od vrijednosti drugoj strani u zamjenu za uvjetno obećanje. Međutim, ako riziko polica istekne prije smrti osiguranika, osigurnina nikada neće biti isplaćena, bez obzira što su sve premije plaćene. Analizom police osiguranja života za slučaj smrti korisnika kredita, prilikom zaključenja ugovora o kreditu između korisnika i osiguravajućih društava, dolazi se do zaključka da ona, pored toga što štiti osiguravajuće društvo od rizika nepodmirenih obveza, ima i značajnu ulogu kao i financijski zaštitnik porodice, nakon moguće smrti osiguranika. Naplata ostatka glavnog duga nakon smrti osiguranika, najjednostavnija je upravo preko police osiguranja života zaključene kod osiguravajućih društava. Kroz primjere na osiguravajućim društvima, nastoje se prikazati uvjeti prilikom sklapanja riziko osiguranja. Također, obrađena je suradnja s bankama kod sklapanja ugovora za slučaj smrti odnosno bankoosiguranje. Uz dovoljno inovativnosti, fleksibilnosti i spremnosti na promjene u modelu rada, bankoosiguranje i u budućnosti ima znatan potencijal rasta.

Abstract (english)

This thesis focuses on life insurance, namely on one type of life insurance, the credit user insurance in the case of death. The focus is on detailed presentation of life insurance, including a brief history, types and the criterias for classifying life insurance. It also touches on the legal sources which contributed to the regulation of insurance. Within the framework of material and legal norms, general and special insurance conditions are extremely important. The parties to the contract have been thoroughly elaborated, especially their obligations that bind them on the basis of the concluded contract. The legal system of each country has specific laws that regulate these issues and although there are differences in individual legal systems, the basic legal systems are similar. The life insurance policy and all her specifics are presented in detail. A life insurance policy is an aleatory type of contract where one party gives something valued to the other party in exchange for a conditional promise. However, if the policy's risk expires before the death of the insured, the insurance will never be paid out, regardless of whether all premiums have been paid. The analysis of life insurance policy in the case of the death of the credit user, when concluding the loan agreement between the beneficiary and the insurance company, comes to the conclusion that, in addition to protecting the insurance company from the risk of outstanding obligations, it also plays a significant role as a financial protector of the family, after possible death of the insured. The simplest way to collect the balance of the main debt after the death of the insured is through the life insurance policy concluded with insurance companies. Through examples of insurance companies are shown the conditions when concluding the risk insurance. Also, cooperation with banks when concluding a death contract, or bank insurance, was discussed. With enough innovation, flexibility and readiness for changes in the work model, bancassurance has significant growth potential in the future.

• Keywords: Ključne riječi: životno osiguranje; polica osiguranja života; bankoosiguranje; osiguravajuća društva; osiguranje za slučaj smrti; korisnik kredita
• Keywords (english): Key words: life insurance; life insurance policy; bancassurance; insurance companies; death insurance; credit user
• Language: croatian
• URN:NBN: urn:nbn:hr:199:231202
• Study programme: Title: Law; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra prava (magistar/magistra prava)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2022-09-29 11:01:00