Pojištění schopnosti splácet

This bachelor thesis deals with a specific type of insurance product focused on the ability to repay a financial liability, which is payment protection insurance. The first chapter briefly characterizes those types of loans for which the insurance will be analyzed later in the empirical part. The second chapter already deals with the general characteristics of payment protection insurance, including the characteristics of the most frequently insured risks within this insurance, which are death, disability, incapacity to work and involuntary loss of employment. The third chapter is devoted to the methods of calculating the premium for this insurance, including a representation of a difference compared to the traditional personal insurance products. In the final chapter, an analysis of almost twenty specific offers of payment protection insurance is performed, a brief attention is paid to the market as a whole. Based on the acquired knowledge, it can be argued that with regard to the ability to repay the obligation it is quite well set product, although it includes several weaknesses, such as inflexible choice of insured risks.