Category: Insurance tips Release Date: 2006-08-01
Life Insurance insurable risk of the specific conditions of personal risk of life insurance is to provide protection to a lifting of the worries. Of course, not all of the personal risk is an insurable risk, insurable risk of the specific conditions are as follows:
dangerous occurrence must be coincidental, is uncertain. If the risk of occurrence of the time or cause of the accident have been predictable, it can not constitute an insurable risk. For example, a terminally ill, gravely ill, between Zaiqu body insured risk, it is invalid; or an attempted suicide, the body Zaiqu insurance policyholders, but also will not work. For the former, the insurer after the insured person at the examination, of course, no insurance, the latter is not aware of them on the surface may be covered. But even if the contract provides, the insurance people committed suicide after the accident and found the evidence, you can not assume liability insurance. Therefore, they are personally at risk belong to the certainty of the danger can not be an insurable risk.
risk must exist in the majority of people of similar hazard, there must be universal, not concentrated in a few risks. Otherwise, the law of large numbers shows the law can not be reflected danger can not rule out the chance. This danger can not organize a large number of people to share, and that no dangerous probability of occurrence from the measurement, so that there is a big insurance operators in blindness. Is bound to create instability in the insurance business, spreading risks reach the contrary, the dangers of society focused on the insurance people.
An unlawful act dangerous to risk is not insurable. If it is personal injury caused by the offense, it does not belong to the insurance responsibility. For example, the insured person when the theft of state property, was found to escape, fall to their deaths, falls; or the beneficiaries of a larger amount of insurance schemes, Heritage and the harm to the insured. Fan Shu illegal and criminal acts, are not within the scope of insurance liability. But in order to save the state property, save lives of others suffered injuries, was lawful and reasonable, part of the insurance responsibility.
danger must be decentralized. Life insurance and other insurance do the same by law of large numbers, if the risk of concentration, can not be dispersed in the event of an accident the insurance will make the lack of affordability. Such as wars, devastating earthquake caused personal injury, or adverse selection and the insured is bound to cause danger is highly concentrated.
dangerous probability of occurrence of the loss can be estimated. Insurers, according to the history of a large number of personal accident statistics, the use of law of large numbers theory, the general extension of a certain age can be measured under normal conditions of people's probability of dying as a way to develop premium rates. If the individual has been insured older, physically weak, and insurance may not be maintained according to the situation with the out of, or take delivery revenue limit amount of insurance premiums and provide insurance and other methods.
to adapt to policy holders the ability to take on the risk premium. Insurance is a risk-sharing, risk assessment should not only fair and reasonable, but also the capacity to adapt to policy holders. As China's deepening reform, the continuous development of commodity economy, improving people's lives, insurance, and increasing awareness of the general working people and the urgent need for a variety of personal risks to achieve reasonable security, remove the worries, but often a lack of ability to pay premiums. Therefore, the current design of insurance, we must consider a number of people able to bear the risk premium rates can not go beyond the actual standard of living of the people.
