Srovnání pojistného trhu v České republice a Polsku v období 2016–2024

This bachelor’s thesis focuses on a comparison of the insurance markets in the Czech Republic and Poland. The main aim of the thesis is to analyse the development of both markets using selected indicators, including gross written premiums, gross claims expenses, insurance penetration, insurance density, and market concentration. Attention is also paid to the position of the most significant insurance companies and changes in the structure of life and non-life insurance. The analysis is based on secondary data obtained mainly from central bank databases, statistics of professional associations, and publicly available reports of regulatory institutions. The thesis compares the development of the selected indicators in the period 2016–2024 and interprets them in the context of macroeconomic and regulatory developments. Based on the analysis, it was found that the Czech insurance market has been more developed in the long term, particularly in terms of insurance penetration and insurance density. Although the Polish market is significantly larger in terms of absolute indicators, both markets showed similar growth dynamics during the observed period and faced comparable macroeconomic influences.