商業火災保險保險標的與保險金額之研究

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Title:	商業火災保險保險標的與保險金額之研究
Other Titles:	A study on subjects matters insured and insured amount of commercial fire insurance
Authors:	曾文正;Tseng, Wen-cheng
Contributors:	淡江大學保險學系保險經營碩士在職專班高棟梁;Kao, Tong-liang
Keywords:	保險標的;保險金額;保險價額;商業火災保險;Subjects Matters;Sum Insured;Insured Amount;Commercial Fire Insurance
Date:	2008
Issue Date:	2010-01-11 01:53:37 (UTC+8)
Abstract:	商業火災保險歷來以久是較傳統的財產保險，也是較普遍性的保險，一般消費者多能知道此保險種類，但往往僅知其大概並不能深入了解，以至於對其投保之承保範圍及其保險標的物如何分類與如何計價並不全然清楚。而保險公司之業務人員並非全都具備良好專業知識，此類商品也因複雜而無法完整透揭露，發生事故時保險糾紛於是產生。本文即從我國商業火災保險財產分類概說出發，再詳論我國火災保險單承保範圍及危險事故與保險標的物,，並參酌外國保單檢驗我國火災保險單之完善與否。希冀本文之研究，能對商業火災保險之承保提供些許之助益。本論文共分六章二十二節，以下即針對各章內容作提要式之說明：第一章「緒論」，此章概述本研究之動機、方法，以及如何著手進行研究及研究之範圍作簡單之介紹。第二章「商業火災保險之保險標的分析」，此章就商業火險承保之財產予以分析歸類，並就國內商業火險保單之種類及承保標的予以說明，最後再和國外商業火災保險作一比較分析。第三章「商業火災保險之保險金額分析」，此章在釐清商業火災保險標的在投保時所採取應為定值或不定值，並就保險標的物之投保基礎如重置成本實際現金價值或帳面價值作一分析探討。第四章「商業火災保險對再保險之需求」，此章先概說商業火災保險因金額龐大及各類風險繁雜急需以再保險平均分散風險，並說明商業火災保險常用之再保險方式，最後介紹目前市場再保狀況並作實例探討。第五章「理賠金額與保險標的及保險金額之關係」，則以商業火災保險理賠原則為開端，並介紹市場火災保險理賠作業程序及標的物之損失估算，最後就理賠損失分攤原則加以論述。第六章結論與建議。以本文研究之所得作成結論，並提出建議，以供消費者大眾及保險業者之參考。 Commercial Fire Insurance is a common and traditional Property Insurance, consumers are aware of this type of insurance but usually don’t understand it. Therefore, controversies will occur between the insured and insurance company while an accident happened. Not only Insured will face the problem about how to classify their assets and decide the insured amount appropriately, but also marketing staff should have good and professional knowledge in this field. For this reason, this paper will study from classification of Taiwan Commercial Fire Insurance. Moreover, Commercial Fire Coverage、Insured Perils and Interest Insured will be further illustrated. Besides, Foreign Insurance Policy will be referred to review and compare with the Taiwan Commercial Fire Insurance Policy. In conclusion, I hope all perspective, discussion and research in this article will provide valuable contribution for commercial fire insurance in Taiwan. This article will be divided into 6 chapters, the following are the digests of each chapter: Chapter 1 "Introduction", to brief the motive, method and the scope of research of this article. Chapter 2 "The Analysis of The Property Insured", to discuss the classification of the property insured and interpret various commercial fire policy and interest insured. At last, we will make a comparison and analysis with the foreign fire insurance policies. Chapter 3 "The Analysis of The Sum Insured", to discuss the valuation basis of the property Insured. Chapter 4 "The Reinsurance Placement of Commercial Fire Insurance", to discuss the type of reinsurance, the current reinsurance market and case study. Chapter 5 "Compensation", to discuss the principle of compensation when an accident occurred, the claim process and the calculation of claim amount, and further discuss about the average clause. Chapter 6 "Conclusion and Suggestion".
Appears in Collections:	[Graduate Institute & Department of Insurance Insurance] Thesis

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