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This bachelor thesis deals with construction elements, their definition, existence in insurance products and their influence on possibility risks´ insurability, indemnity and premium amount. In the introduction of this thesis, the fundamentals of insurance are explained. Second and third chapter deal with defining the terms, that are the core of the issues raised in this thesis. In the subchapters of the second chapter, the term of insurance product will be described, including possibilities of its structuring by the subject of insurance and the last subchapter introduces us law given terms needed for insurance arranging in order to benefit from insurance coverage. Fourth and fifth chapter deal with occurence and influence of construction elements in insurance products of Generali Pojišťovna a.s. The fourth chapter describes and analyzes occurence of insurance elements in selected insurance products, that will be the subject of comparison and research of their importance in the following chapter. In the conclusion, information about construction elements are summarized and recommendations are given for their utilization (selection and choice) when arranging insurance. |
