Försäkringsvetenskap

Försäkringsvetenskap, or insurance science, is an academic discipline that studies the principles, theories, and practices of insurance. It encompasses a broad range of topics related to risk management, actuarial science, legal aspects of insurance, and the economic and social implications of insurance systems. The core focus is on understanding how insurance mechanisms function, how to assess and price risks, and how to design and administer insurance products effectively.

Key areas within försäkringsvetenskap include actuarial mathematics, which deals with the statistical and mathematical modeling of risk to determine premiums and reserves. It also examines insurance law, covering regulations, contract principles, and claims handling. Furthermore, the field explores insurance economics, analyzing market structures, competition, and the role of insurance in financial markets. Social aspects, such as the impact of insurance on welfare and social security, are also considered.

The purpose of försäkringsvetenskap is to provide a theoretical foundation and practical knowledge for professionals working in the insurance industry, as well as for policymakers and researchers. It aims to improve the efficiency, fairness, and stability of insurance markets and to enhance the understanding of risk and its management in society. Educational programs in försäkringsvetenskap are offered at universities and colleges, preparing students for careers as actuaries, underwriters, claims adjusters, risk managers, and insurance consultants.