التوجهات المستقبلية لقطاع التأمين في دمج شركات التأمين العامة في العراق و آثره في جودة الخدمة التأمينية : دراسة تطبيقية في شركة التأمين العراقية العامة و شركة التأمين الوطنية

الملخص EN

This study research to Showing The impact of the integration process on the quality of Insurance service and analyze the impact financially to determine whether there is any impact on the quality of the insurance service, in addition to identifying the obstacles that impede the merger between the insurance companies, insurance and the appropriate proposals for its' application and benefit from the benefits achieved.

The importance of The study lies in the fact that it is an important and vital spotlight that is becoming increasingly important in the world to confront the various difficulties and crises that have occurred recently in light of the liberalization of international trade, globalization and open market economies.

The research examined the relationship between insurance companies' integration of the explanatory variable (premiums payable (income, investment income), and the variable quality of service and its' five sub- variables( reliability, reliability, Response speed, performance, Credibility).

The researcher relied on the data and annual reports of Iraqi general insurance company and the national insurance company for the period (2012-2016) based on the experimental aspect of the merger of the financial statements of the two companies.