"Lietuvos draudimas", "Swedbank" ir "Ergo" draudimo bendrovių kelionių draudimo lyginamoji analizė

LTTurizmas yra vienas iš svarbiausių pasaulio ekonomikos sektorių, todėl buvo atlikta su kelionėmis susijusių rizikų ir jų perkėlimo analizė. Vienas iš rizikos perkėlimo būdų – kelionių draudimas, dėl šios priežasties buvo atlikta Lietuvos draudimas, Swedbank ir Ergo draudimo bendrovių sąlygų lyginamoji analizė bei finansinis vertinimas. Tyrimo metu taikyta palyginamoji duomenų analizė, mokslinės literatūros bei informacinių šaltinių analizė. Tyrimo tikslui pasiekti buvo sumodeliuotos 5 konkrečios situacijos. Nustatyta, kad Swedbank draudimo bendrovė yra naudingiausia klientui įsigyjant kelionių draudimą. Raktiniai žodžiai: kelionių draudimas, kelionių keliamos rizikos, rizikos perkėlimas.

ENTourism is one of the most important sectors of the world economy. However, traveling to other countries carries certain risks. To avoid potential risks, reduce uncertainty, and reduce negative consequences, people often take various forms of risk mitigation (eg, asking others for advice, trusting a travel agency, seeking additional information, purchasing travel insurance, getting vaccinated). Buying travel insurance has become the most popular and easiest strategy for tourists to reduce travel risks. This trend is attributed to the increase in international travel and individual travelers. Travel insurance is a financial risk management service that allows travelers to avoid financial costs and losses. The work aims to perform a comparative analysis of the travel insurance of Lithuanian Insurance, Swedbank, and Ergo insurance companies and to determine the most attractive insurer for the purchase of travel insurance. Research problem – how does travel insurance affect the tourism sector and how is it implemented and financially evaluated in the insurance companies of Lithuania, Swedbank and Ergo? Work tasks: 1. Analyse the risks posed by travel and the impact on tourism; 2. Compare travel insurance conditions of Lithuanian insurance, Swedbank, and Ergo insurance companies; 3. To perform a financial evaluation of the travel insurance of Lithuanian insurance, Swedbank, and Ergo insurance companies. Methods: comparative data analysis, analysis of scientific literature, and information sources.Conclusions: Risks during travel are financial, psychological, satisfaction, time, and distinguishing between disasters, hygiene, diseases, crimes, accidents, and health problems. Individual perception of travel risks affects the choice of travel destinations and the choice of risk reduction measures. One of the most popular travel risk mitigation measures is travel insurance. After analyzing the travel insurance conditions of Lietuvos draudimas, Swedbank, and Ergo insurance companies, it was found that Swedbank offers its customers various insurance conditions and additional optional protections, due to which customers can minimize their financial risk and the insurance amounts are in most cases higher than the other two analyzed. companies. Summarizing the calculated results of the calculators, it is that Swedbank insurance is the most worthwhile for the traveler because in all 5 analyzed specific options, the premium is the lowest compared to the other two analyzed insurance companies. Keywords: travel insurance, travel risks, risk transfer.