Data:2009-12-12 2:34
Category: Insurance tips Release Date: 2006-08-01
Let's simply say, that is, the same insurance coverage from each insurance company the people who brought some money. For example we all cast a fire risk, and then gave each person 10 insurance money, if, there are 10 individual insurance, the insurance company will have over 100 yuan. If someone's really on fire, insurance companies offer this 100 to lose this fire loss.
Practically speaking, the insurance process, a collection of risk and decentralized process. A collection of so-called risk and dispersion refers to the number of insured risks will be passed on insurance companies, insurance companies will cover a number of risks through together. In the event of loss of insurance coverage, insurers in turn place a small number of people sharing the risk of loss to all policyholders. A collection of insurance companies and dispersion of risk to have two prerequisites:
1, the insurance company underwriting the risk must be the risk of the majority, not minority or individual risk. For example, traffic accidents may be everyone will encounter; everyone is at risk of the disease, which belong to the majority of risk. And a man appeared atavisms more the risk of certain organs of the accident, it can not belong to the majority of the risk of a;
Second, the risk of underwriting insurance risks must be homogeneous. If it is the risk of a different nature, the risk probability of occurrence is not the same, can not carry out the same sets and scattered.
