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Data:2009-12-12 2:34
The expected benefits are in terms of the relative interests of existing reality, is in the interests of the people want. For example: a vendor for the future period of expected profits; shareholders profit expectations for stocks so the expected amount of gamblers betting and so on. Can be seen that the expected benefits is yet to be achieved interests. Possible to achieve the anticipated benefits, they may not be achieved.
Affect the expected benefits of risk usually has two kinds: pure risk and speculative risk. Pure risk is the only opportunity for the loss of a risk without the potential to generate profits. For example, homeowners facing the risk of fire, car owners face the risks of collision. When the fire or collision when the accident occurred, the parties will be greeted with at least economic loss, and attached to the subject matter of the expected benefits will inevitably be affected adversely. Car bashed in, repair the former can not rely on cars to make money; factory fire, the production of profits must be reduced accordingly. The speculative risk is the possibility of a profitable and damaged two kinds of risk. Such as: engaging in stocks, futures and other activities. The parties may be profitable, or may not be profitable, or even lose money.
In the insurance practice, some of the expected benefits can be used as the insurance interests. Such as: in the marine cargo insurance, the insured in the insured may not receive ownership of the goods, this time the goods are insured to the expected benefits. However, if the insured as a buyer of goods, their access to ownership of the goods become inevitable. Therefore, in the transport of goods by sea insurance, the insurer of the insured as to the expected benefits of such security interests of the insured. Another example: loss of profits insurance refers to the material loss after the accident to compensate the insured enterprises have ceased production or closure caused by loss of anticipated profits of insurance. Is the responsibility of the insurer from a loss of material until the production of fully recovered from the loss occurred prior to the anticipated loss of profits during the period, compensated by the insurer. This type of insurance can protect the interests of the insured person's extension. On the contrary, if the insurer to the stock, futures trading and other speculative interests is expected to assume the insurance responsibility, the result is not very high premiums, resulting in the insured can not afford, that is, insurers unable to pay high insurance compensation. Therefore, insurance, usually the stock and futures exchanges such speculative risks are not insured.
In January 2000 published by China Financial Publishing House insurance college textbook, "Introduction to Insurance" in the "insurance interests of different conditions" section, do not seek to have the speculative nature of the expected benefits out of the insurance interests, their expressed as : "looking forward to the interest is also called 'the expected benefits' refers to be obtained, legal, benefits can be achieved, such as the expected profits, expected to freight. Generally speaking, only the expected benefits can not be considered to have insurance benefits, but the attached the expected benefits of existing interests can be recognized only in the damage claim, the expected benefits of such benefits must have become a reality. "(" Insurance Studies "126). So stock must first have a principal, dividends or bonuses in accordance with the principal for us. If the stocks lost, may not only non-profit available, even the principal will take into account. In this case, the expected benefits are not, such as bank-chan fishnet ⏿Ren Hui Chu Tuan moisture and snapped quality stalls Mu widow osprey А5 fresh flounder porcelain head-chu Um hysteresis margin of the brainてah pox ugly woman epilepsy Gray Department of spoon mountain elf O Zhan ?the scope of coverage, if so, then guard against operational risks, improve economic efficiency will become an empty word. Thus, in defining the expected benefits to insurance coverage should be clearly speculative nature of the expected benefits excluded.
