Page 65 - Ekonomija i Biznis_juli-avgust 2016.indd

INTERVIEW
I have to the gross written premium in GDP in 2015).
mention that
the competition Are there differences between the
is becoming trends in the insurance business in Mace-
increasingly donia and the ones in the world?
fierce only in
the compulsory M. Tomeska: The insurance business in
classes; I could Macedonia for a long time is mostly dedi-
say that there cated to the compulsory insurance classes
is no significant where, of course, the car liability insurance
competition in the is dominant, while at the same time it be-
other segments, came a cliché to speak about the enormous
particularly in potential for development that this market
products for has, and the world trends we should follow.
individuals and
small businesses The world trends do not match with the
trends on our market because here we are
still working on massive spread of the ba-
sic non-compulsory insurances, such as the
health care and the property insurance,
and liability insurance.
The developed markets are dedicated to
finding new insurance solutions to cover
the cyber-risks such as cyber-terrorism and
electronic crime. There are considerations
for products that will be able to appropri-
ately cover the risks from the self-steering
vehicles where it is unclear who will bear
the responsibility.
In addition, there is an increasing de-
velopment of products adjusted for tech-
nologically advanced way of distribution,
through online platforms, as well as auto-
mated advisory services. The partnerships
between the insurance companies, tele-
coms, retail chains, and banks, increasingly
strengthen and replace the traditional ways
of sale. In this domain we started to follow
these trends, however still only formally
and without being significantly focused on
them.
Eurolink Insurance is a very active
insurance company when it comes to the
offer of new products. One of the latest
products intended for the companies is the
private collective health care insurance.
What do the companies and their employ-
ees get with this product?
M. Tomeska: The private collective
health care insurance is beneficial both for
the companies and for the employees.
We put a special emphasis on the benefit
for the employees because the dynamics
of the life today prefers dedication of a lot
of effort in the everyday fulfillment of the
professional and the private assignments
and obligations. Therefore a need arises
of quick, facilitated and quality treatment
without additional burdening of the day
which is dynamic already.
With our private health care insurance
the employees can use quick and simple
access to private health care institutions,
they can get outpatient and/or hospital
treatment, whereby both their time and
their assets are saved.
On the other hand, every successful
manager and owner knows that the secret
of success is mostly a merit of the employ-
ees, that is, the human capital is the trea-
sure of every company. Therefore arises the
motive of every employer who takes care of
his/her employees to conclude an insur-
ance agreement wherewith he/she will pro-
vide the best possible health care.
With our private health insurance, the
employer would have more satisfied and
healthier employees, less absences from
work intended for health examinations, as
well as coverage of the costs for treatment
of the employees when the employer often
participates with personal funds.
At the same time, the additional benefits
offered by the companies, where the pri-
vate health care insurance has inevitable
position, demonstrate the attitude of the
employers about the importance of this
segment in the attraction and retention of
quality workers.
You also make promotion for this prod-
uct. What kind of opportunities does it of-
fer?
M. Tomeska: Promotionally, by the end
of this year, every employer who will con-
clude a policy for collective private health
care insurance gets a free compulsory gen-
eral medical examination for his/her em-
ployees.
For only 300 denars per employee per
month the employers provide freedom of
choice for a doctor, a clinic and a term in
private clinics to their employees, strictly
according to their wish and need, and of
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