Rakonjac Antić, prof. dr Tatjana

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Tatjana Rakonjac Antić was born in 1969 in Kruševac, where she finished primary and secondary school. She graduated from the Faculty of Economics, University of Belgrade, where she also gained master's and doctoral degrees.Tatjana started her working life as an associateat the Faculty of Economics in Belgradein 1992 and in 2014 was elected a full professor for the expert scientific field of Economic Policy and Development - Insurance, Pension and Health Insurance and Insurance Tariffs. Tatjana Rakonjac Antić lectures at undergraduate academic studies in Insurance and Pension and Health Insurance subjects and at postgraduate studies in the subjects of Insurance Analysis and Pension and Health Insurance Analysis. From the beginning of her work at the Faculty of Economics until today, Tatjana Rakonjac Antić has published a number of papers in the scientific and professional journals and proceedings. She has been engaged in numerous projects and participated in many domestic and international scientific and professional symposiums. She is a member of the Serbian Scientific Society of Economists and the Serbian Association of Actuaries.

E-mejl: rakonjacantic@ekof.bg.ac.rs

DOI: 10.5937/TokOsig2304485K

ARTICLES 4/2023

SETTING-UP OF INSURERS’ RETENTION UNDER THE CIRCUMSTANCES OF RISING REINSURANCE PRICES

Reosiguranje obezbeđuje zaštitu osiguravača od velikih i katastrofalnih šteta i ublažava fluktuacije agregatnog iznosa šteta, što doprinosi smanjenju rizika od njihove nesolventnosti. Međutim, transfer dela obaveze iz ugovora o osiguranju u pokriće reosiguravača ima svoju cenu, koja umanjuje profitabilnost osiguravača. Trenutni rast cena reosiguranja, koji je izazvan konstelacijom prirodnih, makroekonomskih i političkih šokova, jedan je od najvećih do sada zabeleženih. U takvim uslovima određivanje adekvatnog samopridržaja od krucijalnog je značaja za performanse osiguravača. U radu je predstavljen mogući pristup određivanju nivoa samopridržaja na osnovu prinosa i rizika. Pristup se zasniva na stohastičkim simulacijama raspodele verovatnoća agregatnog iznosa šteta na nivou portfelja osiguranja i efekata različitih programa reosiguranja na tu raspodelu, kako bi bio izabran onaj program pri kome se postiže maksimalan odnos između prinosa i rizika. Takvom programu reosiguranja odgovara nivo samopridržaja koji je optimalan za datog osiguravača. Ključne reči: reosiguranje, samopridržaj, kapital pod rizikom, prinos na kapital pod rizikom

UDK:347.919.6:369.066:369.012:368.042:368.032 (72)

ARTICLES, DISCUSSIONS, ANALYSES, REVIEWS

FORMS OF HEALTH CARE DELIVERY IN THE UNITED STATES OF AMERICA

In the United States of America (USA), health care can be predominantly obtained through private health insurance (individually purchased or employer-provided), under publicly funded social security programs (among which most common are Medicare and Medicaid schemes), and since 2010, through mandatory health insurance. On the USA territory, the most up-todate healthcare technology is used, total spending on health care is extremely high (as a consequence of increased demand for health care services, higher investments in scientifi c researches in the area of healthcare, etc.), whereas in 2000, the World Health Organization ranked the U.S. health care system only 37th. Life expectancy in the USA does not rank among the top in the world, and for particular categories of insureds there is no adequate access to health care. The changes introduced to the U.S. health care system are aimed at resolving the aforementioned problems. The implementation of mandatory health insurance seeks to create conditions for the provision of universal health coverage and a strong correlation between high health care prices and high health care effi ciency.

Key words: health insurance, health care, USA, Medicare scheme, Medicaid scheme