Osiguranje u doba korone - katastrofalni rizici u doba pandemije

Abstract

U radu se analizira pandemija COVID-19 virusa iz ugla tržišta osiguranja. Autorka polazi od pretpostavke da su osiguravači jedini privredni subjekti koji mogu biti partneri države u postupku upravljanja rizikom pandemije. Naime, pandemija je katastrofalni i globalni rizik, i kao takva testira kapacitete ne samo tržišta (re)osiguranja, već i spremnost države da sinhronizovanom akcijom sa privatnim sektorom spremno odgovori novim izazovima. Pod tim primarno mislimo na saniranje ekonomskih posledica izazvanih korona virusom. Da bi mogli da ponude cenovno pristupačno osiguranje rizika korone, osiguravači treba da dobiju subvencije dela premija od države, kao i subvencije dela pokrivenih šteta. Partnerstvo države i sektora osiguranja ne završava se time. Država treba da preuzme proaktivnu ulogu u administriranju rizika pandemije i u edukaciji svih potencijalno oštećenih lica.

In the paper is analysed pandemic of COVID-19 from the point of view of insurance market. Author starts from the assumption that insurers are the only companies that could be partners of the state in the process of administration of pandemic risk. Namely, pandemic is a kind of catastrophic and global risk that put on test not only capacities of (re)insurance market but also the readiness of the state to respond to new challenges with synchronized action with the private sector. This primarily refers to the remediation of eco-bomb consequences caused by corona virus. In order to be able to offer affordable insurance of corona risk insurers should receive a subsidy of part of the premiums from the state as well as the subsidy of the part of covered damages. The state should assume proactive role in the process of administrating risk of pandemic and educating all potentially injured persons.