1.There are both Primary and Secondary Functions connected with insurance. Primary Function :
The basic function of insurance is to transfer risk and loss-sharing features, as well as economic compensation and insurance payment function. It is in line with the initial motivation of people to cope with risks, is the most important function of insurance. Secondary Functions :
Secondary Functions may be direct or indirect.
Direct functions :
the stimulation of business activities.
the solution to social difficulties.
the removal of business distractions and problems.
the promotion of less prevention.
the production of invisible exports.
EX: The stimulation of business activities. Any one of the operating companies will have potential risks,
including the company building, machinery and equipment, and even computer curity systems, etc., will be at risk, so there will always lo. The cost of insurance can be transferred to the insurance company may lo, this will reduce the company's loss, thereby reducing the burden.
Indirect functions :
拔罐出水promotes incread investment in the nation.
marginally reduces prices of goods and rvices.
reduces insurance premiums.
EX: Promotes incread investment in the nation.The insurance company gathered a large number of funds through their activities, and the funds are being ud to investment, government and industrial ctors with the invested money to some of the financial instruments, so as to promote the development of the country.
2.The definition of risk is the uncertainty of loss. This means that individuals will take the risk and cannot ensure whether the loss will occur.
There are five different forms of risk in risk. They are rspectively pure risk, speculative risk, fundamental risk, particular risk, …acceptable‟ risk.
Pure Risk : Pure risk refers to the risk of loss is only and no profit opportunity, can also be en as “no beneficial result”.
For example, Fire. In one day's night, a man in the hou to smoke, he has not smoked, an emergency telephone calls him out, shut the cigarette butts thrown into the dustbin men, the man was gone, did not destroy the cigarette ignited wastebasket, then caud a fire.The risk is insurable and the insurance company can help it .Becau the insurance company can calculate the probability of the occurrence of the event according to the previous data, so the risk is usually to be insured.
Speculative Risk:Speculative risk is likely to generate revenue or risk of loss, both profit opportunities may exist, and there's the possibility of loss.
社保卡改密码For example,Stocks.A man bought some shares a few days the stock market crash, the money invested as spilled water, never come back.This risk is uninsurable, the insurance company will not help them.Becau the risk of speculation too many variables, it is difficult to predict, the greater the
investment, the greater the loss of the insurance company, so under normal circumstances, this risk can not be guaranteed. Solution : People can choo to diversify investment, thereby reducing the risk. Fundamental Risk : The fundamental risk refers to the risk caud by non personal behavior. It affects the whole community and the whole society, and it is unable to prevent the risk of personal.
Such as war. If during the war, your asts or if you have nothing to lo onelf, then the insurance company will not be responsible and will not help them, becau such risk is uninsurable. Becau such cas, the impact is too large, the insurance company may not be protected.
Solution: People can ek help from International Aid Agencies and Governments.
教师家访心得体会
Particular Risk : Particular risk refers to the risk caud by personal behavior, it only with particular individuals or business related, does not affect the entire community and society.
Such as vehicle accident . On thursday's day, Mr. Zhang was driving a car on the road, opposite the sudden appearance of a truck, Mr. Zhang respon is not timely, resulting in two vehicles collided, causing a vehicle accident.This risk is insurable. Becau of the risks can be predicted by people, the probability of the events can be calculated.
有关自信的事例‘Acceptable Risk’ : Acceptable risk is the maximum extent of the loss expected risk of accidents at work or personal financial ability and mental capacity within the maximum extent.
For example, a man was walking on the road to a drop from the clouds suddenly was hit in the head of the football. The risk is uninsurable. Becau of this risk group of individuals within the tolerance range, the insurance company may not be able to help.
囊山寺Solution : As far as possible to reduce the risk, increa the protection measures or choo not to do.
赵东荪
3. There are four major types of insurance, include property insurance , personal insurance, motor insurance and travel insurance .
靳雅佳Property insurance includes marine, fire, houhold, theft, livestock, conquential loss and aviation.lol新区
Fire insurance refers to fixed asts are kept in place and in a relatively quiescent state of the subject matter insured, the insurer shall be borne by the insured property insurance accident suffered loss of a financial liability and property insurance. Insurance stored address are not free to change the subject, change is affecting the effectiveness of the insurance contract. Fire insur
ance insurable risk is very broad, including natural disasters and a variety of accidents. Fire insurance insurable property include: housing and other buildings and ancillary equipment renovation.
Finally, the amount of insurance fire insurance is usually determined by the breakdown of the underlying insurance.
Theft insurance.During the period of insurance, the insurance address stored in the property insurance, the loss suffered damage due to external has obvious traces of the theft, robbery, caud by theft, the insurance company responsible for compensation; however, the insured person and their family members, rvice personnel, who the theft, theft or condone the others by insurance property loss, the insurance company is not responsible for compensation.
Aviation insurance . Aviation insurance is bad on the aircraft travel is a kind of insurance mark insurance, is a kind of property insurance. When the insured aircraft due to natural disasters or accidents and damage, resulting in third or the pasngers personal injury, property loss, the insurance company responsible for compensation.
Personal insurance includes personal accident, personal health, employer‟s liability, public liability a
nd life assurance.
Personal accident insurance refers to the insured in the insurance period, subject to involuntary, exotic, accidents happen suddenly, caus the body to suffer injury or death and disability, the insurance company in accordance with the provisions of the contract of insurance the insurance that pays insurance gold. Such as falling off a hor or being bitten bu a monkey.
Personal health insurance is designed to replace income on a long-term basisi for a disability caud by sickness or an accident. But ,some items not included in the policy such as AIDS etc.
Motor insurance include third party; third party, fire and theft adn fully comprehensive. Travel insurance include personal accident benefits; medical expens; loss of deposits; baggage,personal effects and money; personal liability; delayed baggage; hospital cash benefits; travel delay.
4.This ca suit property insurance. Mike went to hor racing, and later found on a camera on the at was stolen. This event belongs to theft. This is within the range of theft insurance. Cameras are valuables, insurance companies should ensure and verify the authenticity of the event. Meanwhile, Mike needs to check the limit of insurance claims. First, to asss the value of the camcorder, and then have to check whether within the scope of insurance. If the camcorder is not covered by insura
nce coverage, you need to buy a parate insurance for the camera.
5.This ca suit travel insurance.Miike‟s mother was ill during the period of traveling abroad. In foreign hospital to be described as sunstroke.Then travel to be terminated, back to the local hospital to check, she had suffered a minor stroke. At the same time, Mike also should pay attention to some matters needing attention of travel insurance.First, Mike should look at the specific insurance policy, and then look at whether the costs incurred by the hospital in the insurance coverage.Finally, his mother previously been sick, he should tell it to the insurance company to e if in the coverage,if did not inform the insurance company, the insurance company will not pay compensation.
