20.500.12556/DKUM-89770 Zavarovanje hišnih ljubljenčkov v Sloveniji Pet insurance in Slovenia Dnevno smo izpostavljeni tveganjem, ki nam povzročajo finančne izgube. Stroški zdravstvene oskrbe naraščajo povsod – ne le pri ljudeh, ampak tudi pri živalih. Tako obstaja tudi zavarovanje hišnih ljubljenčkov, ki pomaga zmanjšati finančno tveganje zaradi nepričakovanih stroškov zdravljenja. Številne zavarovalnice v ta namen ponujajo zavarovanje za hišne ljubljenčke, predvsem za pse in mačke. Zavarovanje hišnih ljubljenčkov je na Slovenskem prisotno že nekaj časa, ozaveščenost o njem pa je majhna. Lastniki hišnih ljubljenčkov se ne zavedajo, da lahko sklenejo zavarovanje, s katerim se bodo zaščitili pred nepredvidenimi stroški, ki lahko nastanejo zaradi nepredvidljivih poškodb in bolezni. Zavarovanje hišnih ljubljenčkov je lahko pomembna naložba za lastnike, ki želijo zaščititi svoje hišne ljubljenčke pred nepričakovanimi zdravstvenimi stroški. Obstajajo različne vrste zavarovanj hišnih ljubljenčkov, ki ponujajo različne ravni kritja: od kritja samo za primer nesreče do celovitega kritja bolezni hišnih ljubljenčkov. Zavarovanje hišnih ljubljenčkov prinaša številne prednosti strankam in veterinarjem, kot sta na primer možnost izvajanja nujno potrebnih medicinskih posegov brez finančnih omejitev in preprečevanje potencialnih evtanazij zaradi nezmožnosti izvajanja posegov. Različne zavarovalnice ponujajo različne pakete in dodatne storitve, prav tako se med njimi razlikuje tudi politika soudeležbe in višina odbitne franšize. Med seboj smo primerjali ponudbo zavarovalnic Sava, Triglav, Generali in Vzajemna. Magistrsko delo se osredotoča na problematiko in priložnosti zavarovanja hišnih ljubljenčkov v Sloveniji. Namen raziskave je bil analizirati trenutno stanje trga zavarovanja hišnih ljubljenčkov ter ugotoviti potrebe in želje lastnikov. V magistrskem delu je predstavljena teoretična podlaga, ki vključuje pregled osnovnih pojmov in konceptov zavarovanja, razvoj zavarovalništva na splošno ter posebnosti zavarovanja hišnih ljubljenčkov. Prav tako je podana primerjava zavarovalnih produktov v Sloveniji, kar omogoča boljše razumevanje tega zavarovalnega trga. Empirična raziskava je bila izvedena med lastniki hišnih ljubljenčkov v Sloveniji s pomočjo anketnega vprašalnika. Analiza rezultatov ankete je razkrila, da je zavarovanje hišnih ljubljenčkov v Sloveniji še vedno relativno nepoznano in neizkoriščeno. Večina anketirancev se strinja, da bi bilo zavarovanje koristno, vendar opozarjajo na velike stroške in pomanjkanje informacij kot glavne ovire pri sklenitvi zavarovanja. We are exposed on a daily basis to risks that result in our financial losses. Health care costs are rising everywhere, not only for people but for animals as well. Therefore, pet insurance exists for this very purpose, which helps reduce the financial risk of unexpected medical expenses. Many insurance companies offer pet insurance for this purpose, especially for dogs and cats. Small animal insurance has been available in Slovenia for some time, but awareness of it among people is low. What pet owners do not realize is that they can use insurance to protect themselves from unforeseen costs that may arise from unforeseen injuries and illnesses affecting their pets. Pet insurance can be an important investment for pet owners who want to protect their pets from unexpected medical expenses. There are different types of pet insurance that offer different levels of coverage, from accident-only coverage to comprehensive pet illness coverage. Pet insurance brings many benefits to customers and veterinarians, such as the ability to perform urgently needed medical procedures without financial restrictions and the prevention of potential euthanasia due to the inability to perform procedures. Different insurance companies offer different packages and additional services, and the policy of participation and the amount of the deductible also differ between them. We compared the offers of the Sava, Triglav, Generali and Vzajemna insurance companies. The master's thesis focuses on the problems and opportunities of pet insurance in Slovenia. The purpose of the research was to analyse the current state of the pet insurance market and identify the needs and wants of pet owners. In the first part of the master's thesis, we provide the theoretical basis, which includes an overview of the basic terms and concepts of insurance, the development of insurance in general, and the specifics of pet insurance. We also provide a comparison of insurance products in Slovenia, which enables a better understanding of the insurance market. Empirically, the research was carried out using a questionnaire which pet owners in Slovenia were asked to complete. The analysis of the survey results revealed that pet insurance in Slovenia is still relatively unknown and unutilised. Most respondents agree that insurance would be beneficial, but point to high costs and lack of information as the main barriers to taking out insurance. Zavarovanje hišni ljubljenčki slovenski zavarovalni trg premoženjska zavarovanja nezgoda. Insurance house pets slovenian insurance market property insurance accident. true true false A. Veselič Slovenski jezik Angleški jezik Magistrsko delo/naloga 2024-08-11 15:23:38 2024-10-10 09:42:25 2024-10-11 03:15:51 0000-00-00 00:00:00 2024 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 347.764:636.045 210963203 MAG_Veselic_Anamarija_2024.pdf MAG_Veselic_Anamarija_2024.pdf 1 FF41EB5351138608C80DA16F85F20BBF a6e62b248edb5dbaece453b4673c713548e7b5707ae9d0f913fe291e0a164d12 1260c735-79c2-11ef-8363-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=185750 Ekonomsko-poslovna fakulteta 0 0 0