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Summary
In 1993 a new Health Insurance Act and a Health Care Act were adopted in Croatia which have permited the introduction of supplementary and private health insurance schemes. Private health insurance is voluntary health insurance, which provides for complete health insurance for the insured person. By taking out private health insurance an insured person looses the right to receive benefits under compulsory state health insurance. The level of health care and service provided by private health insurance must be at least equal to that of compulsory health insurance. Level of the future health service expenditures is one of the most important issues in planning and calculating premiums in private health insurance. Therefore it is useful to build a stochastic model for projecting future health service expenditures and risk cost per insured person. Based on the data in the national health service reports (since private health insurance schemes still do not have valid statistics) for the past periods and assumptions about future trends it is possible to project future health service performances and adapt them for private health insurance. Besides the effect of inflation, health claim sizes are often subject to other systematic changes since new drugs, treatments and equipment are invented, and new diseases appear, which all make healthcare insurance data and statistics subject to variations that make forecasting extremely difficult. Therefore the dynamic financial model which is constructed has to be robust enough to withstand these variations in all reasonable circumstances. |
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EDUCATION:
Zagreb University,
Department of Mathematics 1991,
Bachelor of Science in mathematical informatics and statistics
Institute of Actuaries, London, Faculty of Actuaries, Edinburgh and Department of Economics, Budapest University
I.1993, Diploma in Actuarial Science
II.1995, Advanced Level Diploma in Actuarial Science
Department of Economics, Budapest University 1998, Master Degree in actuarial science Swiss Association of Actuaries 15th International Summer School 1999 - Modeling Exstremal Events for Insurance and Finance
BUSINESS EXPERIENCE:
Zagreb osiguranje d.u.o., mutual insurance company 1990-1991, development of life insurance products.
Helios osiguranje d.d., stock insurance and reinsurance company 1991-1995, Manager of Development Department, development and other actuarial work concerning life and non-life insurance products.
Adriatic osiguranje d.d. stock insurance and reinsurance company 1995-1996, Executive Manager of Development and Actuary Department, development and other actuarial work concerning life insurance products.
F&R d.o.o. Insurance consulting (actuarial) 1996-2000, General Manager, development and other actuarial work concerning life and non-life insurance products for 15 insurance companies in Croatia and abroad, for Croatian Insurance supervisory Agency and other clients.
Basler osiguranje d.d. stock non-life insurance Company 2000, advisor of Management Board and actuary.
Basler životno osiguranje d.d. stock life insurance Company 2001 to present, General Manager and actuary.
SPECIAL QUALIFICATIONS:
Appointed Actuary, Republic of Croatia Ministry of Finance Certificate 1996 to present Fluent in English.
PUBLISHED PAPERS:
Dictionary of Banking and Finances, 1993 one of the three member team for insurance terms.
Economic Lexicon, 1995 member of team for insurance terms.
Dictionary of Insurance, 1997 one of two editors, responsible for life and other person insurance and property insurance terms.
The Actuarial Uses of Health Service Indicators and Projections of Health Service Expenditures in Croatia, 2000 paper published in ASTIN 2000 Proceedings, 17-20.09.2000., Porto Cervo, Italy
PROFESSIONAL ASSOCIATIONS:
Founding Member and Second Deputy President of the Croatian Actuarial Association.
Member of the International Actuarial Association (IAA).
Member of the Actuarial Studies in Non - Life Insurance (ASTIN) Section of IAA.
Member of the International Association of Consulting Actuaries (IACA).
Section of IAA.
Co-ordinator of the Basic and Advanced Diploma Course in Actuarial Mathematics and Insurance organised by Government's Actuary Department, UK, Croatian Actuarial Association and Zagreb University - Mathematical Department (1998-2001).
Representative of Croatian Actuarial Association in Education Committee of Group Consultatif Representative of Croatian Actuarial Association in several international actuarial meetings.
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