Tendencje rozwoju ubezpieczeń majątkowych i życiowych w Polsce w latach 1991-2003
Streszczenie
The life and property insurance market in Poland has been developing dynamically since
1990. The legal foundations of insurance activities have been laid down in order to make the
insurance companies act in a market-oriented way. The structure of the insurance market is
gradually changing in terms of the share that particular companies have in it as well as in
terms of the types of sold insurance policies. The development of the insurance market is by
no means trouble free. The problems it faces come about as a result of a specific nature of
events, threats of various dangers.
The share of foreign capital in the capital structure of insurance companies dealing in both
life insurance as well as property insurance is systematically growing. The authors describe
a djuamic increase of a written premium, paid out compensations and the level of provision
cover ratios in insurance companies. The analysed insurance market is serviced by agents
(around 320 thousands), brokers (45 thousands) as well as 71 insurance companies. The
authors present also technical accounts of insurance companies. Various aspects o f competition
between insurance companies are also observed.
The article includes an analysis of numerous statistical data which presents the trends and
directions of change on the insurance market. Celem artykułu jest wskazanie na podstawowe tendencje w zakresie
struktury ilościowej i jakościowej rynku kapitałowego w Polsce w analizowanym
okresie.
Artykuł powstał w oparciu o opracowania nadzoru ubezpieczeń z lat
1995-2003, a także biuletyny Polskiej Izby Ubezpieczeń.
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