scholarly journals Determinants of Property Insurance Demand in Slovak Republic: Challenges and Obstacles

2018 ◽  
Vol 9 (2) ◽  
pp. 5-18
Author(s):  
Tomáš Ondruška ◽  
Zuzana Brokešová ◽  
Erika Pastoráková

In the Slovak Republic, non-life insurance consumption is significantlylower compared to Western European countries. The paper tests various personal, demographic and economic factors and their impact on the individual property insurance demand in the Slovak Republic. Using survey data, we identified the following as statistically significant determinants of property insurance demand: gender, age, marital status, propensity to save, level of income, being a head of household. Our results can help insurers to better understand their potential consumers and to improve their acquisition and segmentation techniques. Our findings are important, especially, in times after launching a new tax on non-life insurance premiums, as individuals in Slovakia are very sensitive to the premium and often fail to buy adequate coverage in property insurance.

2020 ◽  

BACKGROUND: This paper deals with territorial distribution of the alcohol and drug addictions mortality at a level of the districts of the Slovak Republic. AIM: The aim of the paper is to explore the relations within the administrative territorial division of the Slovak Republic, that is, between the individual districts and hence, to reveal possibly hidden relation in alcohol and drug mortality. METHODS: The analysis is divided and executed into the two fragments – one belongs to the female sex, the other one belongs to the male sex. The standardised mortality rate is computed according to a sequence of the mathematical relations. The Euclidean distance is employed to compute the similarity within each pair of a whole data set. The cluster analysis examines is performed. The clusters are created by means of the mutual distances of the districts. The data is collected from the database of the Statistical Office of the Slovak Republic for all the districts of the Slovak Republic. The covered time span begins in the year 1996 and ends in the year 2015. RESULTS: The most substantial point is that the Slovak Republic possesses the regional disparities in a field of mortality expressed by the standardised mortality rate computed particularly for the diagnoses assigned to the alcohol and drug addictions at a considerably high level. However, the female sex and the male sex have the different outcome. The Bratislava III District keeps absolutely the most extreme position. It forms an own cluster for the both sexes too. The Topoľčany District bears a similar extreme position from a point of view of the male sex. All the Bratislava districts keep their mutual notable dissimilarity. Contrariwise, evaluation of a development of the regional disparities among the districts looks like notably heterogeneously. CONCLUSIONS: There are considerable regional discrepancies throughout the districts of the Slovak Republic. Hence, it is necessary to create a common platform how to proceed with the solution of this issue.


2021 ◽  
Vol 24 (1) ◽  
pp. 37-69
Author(s):  
Bojan Srbinoski ◽  
Klime Poposki ◽  
Patricia H. Born ◽  
Valter Lazzari

2017 ◽  
Vol 15 (1-2) ◽  
pp. 19
Author(s):  
J.H.P. Jonxis

Malnutrition in the first year of life may cause permanent damage to the individual. There may be a permanent retardation in growth if the malnutrition is a serious one and the food intake is severely insufficient over a longer, period. Specially when malnutrition occurs in the first months after birth, it may cause damage to the central nervous system.As long as the breast-fed child gets enough breastmilk, it is unlikely that serious problems  arise. The declinein feeding in many developing countries is a serious problem, especially because the alternatives for human milk are not always available, owing to economic factors. In the, countries of the Western world there exists just, the opposite problem owing to partial over-nutrition abnormalities in fat metabolism may occur, which may influence the health of the individual later on in life.


2010 ◽  
Vol 35 (2) ◽  
pp. 266-289 ◽  
Author(s):  
Chien-Chiang Lee ◽  
Yi-Chung Hsu ◽  
Chi-Chuan Lee

Author(s):  
Wayne H. Coloney

It can be stated with assurance that the forensic engineer plays a vital and important role in Eminent Domain valuation disputes and that his services are of great value both to the tax paying public and to the individual property owner. Practice in Eminent Domain is constantly challenging, infinitely varied and substantially rewarding.


2020 ◽  
Vol 5 ◽  
Author(s):  
Martin Szénay ◽  
Martin Lopušniak

In 2010 it was defined five challenges for the solution of evacuation of persons in buildings to 2020. One of the challenges is to implement helpfull technologies during evacuations from buildings – lifts. Needed steps for fulfilling this challenge are also quantification of missing data which are dealing with evacuation of persons with disabilities. From 2002 all public buildings in Slovak Republic have to be also accessible to persons with disabilities, but it is also a global problem. In present exists just small number of informations of movement parameters of persons with disabilities during evacuation by lift. There for, this work was focused on collecting these informations. The data collection was realized by using an in-situ experiment. The aim of the work was to quantify the phase stages of evacuation by elevators for persons with disabilities (speed, time, movement and capacity parameters). Person's movements were monitored during the measurements, arrival to lift, cabin entry and exit from the cabin, including leaving the bounded area. Arrival to lift included movement in the bounded area in front of the lift, until the moment of pushing the button was pressed to call the lift. The time of cabin entering includes the time from the beginning of opening the lift doors to the beginning of closing of the lift doors. The exit from the cabin includes the time from opening the lift doors, passing through the lift doors to leaving the bounded area. In total, ten participating persons in the experiments imitated wheelchair movement and movement with leg fracture. Measurements were made on two lifts, where person evacuating himself or with the help of another person. Everyone performed each measurement three times. A total of 720 measurements were performed in the work. According to the results of the experiment it can be stated that cabin entry is longer for a person on the wheelchair than for a person with a leg fracture, but the difference is even bigger during exit from the cabin, including leaving the bounded area. During the experiment, various movement techniques have been observed that may affect their overall the time of cabin entry and exit from the cabin. Obtained results can extend existing evacuation model to the possibility of using the lift. The obtained results quantify the individual phase stages of entering to the lift and exiting of the lift for persons with limited movement.


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