Statystyczna analiza polskiego rynku ubezpieczeń odpowiedzialności cywilnej dla podmiotów leczniczych

Abstract

The subject matter of this work was approached in a holistic manner, pointing to interpenetrating and inseparable issues in many fields, in particular: insurance, statistics, law and the quality of providing health services. The dissertation examines the Polish civil liability insurance market for healthcare entities, both from the perspective of the insured (hospitals) and insurers (insurance companies). Based on the conducted research and analyses, conclusions and recommendations were formulated. Insurance for hospitals is a niche market, hence an individual approach to risk assessment is necessary for each examined entity. It is very difficult to estimate the amount of the premium due to the dependence on judicial practice, which changes over the years, frequent changes in the level of reserves and the long period of insurer's liability resulting from the construction of the trigger (act committed). This affects both the problem of estimating the loss ratio and the small number of insurers offering this insurance.