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On the Differences between the Categories of «Consumer» and «Customer» in the Sphere of Insurance Services
Vremenko L. V., Hromakova V. V.

Vremenko, Liudmyla V., and Hromakova, Viktoriia V. (2020) “On the Differences between the Categories of «Consumer» and «Customer» in the Sphere of Insurance Services.” Business Inform 2:393–398.
https://doi.org/10.32983/2222-4459-2020-2-393-398

Section: Finance, Money Circulation and Credit

UDC 368:366.01

Abstract:
The article is aimed at specifying the differences between the categories of «consumer» and «customer» in the sphere of insurance services. It is determined that in the current Ukrainian legislation the terms of «consumer» and «customer» are used in many regulations concerning economic entities, and are sometimes identical. The results of a comparative analysis of the contents of the concepts of «consumer of insurance services» and «customer of insurance company» are presented. Both the common features and the major differences are defined. The essence of the concept of «consumer of insurance services» is an individual who uses or intends to obtain an insurance service in order to meet the personal needs in terms of non-entrepreneurial, independent professional activities. The expediency of introducing a new concept of «customer» is argued, which means the consumer of financial services, who uses the services of financial institutions, including insurance companies. It is identified that the concept of «customer» is a broader one and includes the end consumer as well. The authors’ own definition of the concept of «customer of insurance company» is proposed: it is an individual (including a consumer of insurance services), an individual – an entrepreneur or a legal person who receives or can receive insurance service legally or in accordance with an insurance contract. Prospects for further research lie in researching the aspects of the practical manifestation of the main characteristics of the insurance company client.

Keywords: consumer of insurance services, customer of insurance company, insurer, insured person, beneficiary.

Tabl.: 1. Bibl.: 21.

Vremenko Liudmyla V. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Finance and Credit, Kharkiv National University of Civil Engineering and Architecture (40 Sumska Str., Kharkіv, 61000, Ukraine)
Email: [email protected]
Hromakova Viktoriia V. – Student, Kharkiv National University of Civil Engineering and Architecture (40 Sumska Str., Kharkіv, 61000, Ukraine)
Email: [email protected]

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