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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/87372

    Title: 財產保險應用自負額之研究
    Other Titles: A study of deductible clause apply to non-life insurance
    Authors: 侯雅瀞;Hou, Ya-Ching
    Contributors: 淡江大學保險學系保險經營碩士班
    Keywords: 自負額;自負額條款;費率釐訂;Deductible;DeductibleProvision;Pricing
    Date: 2012
    Issue Date: 2013-04-13 11:00:16 (UTC+8)
    Abstract: 自負額條款之源意乃源自於危險自留,即被保險人無法或自願未能移轉給保險人之部分,在保險單中設定自負額,係於保險事故發生所致損失時,被保險人需先行負擔該約定的自負額,保險人於超過自負額以上部分,才負賠償責任。因此,自負額普遍被視為減少道德危險之機制。
    The deductible clause is derived from the risk of retention, means the insurer can’t or will not voluntarily transferred to the insurer''s part.Setting the deductible in policy, the insurer will pay only that the amount of loss, damage or expense in excess of the “deductible” up to the applicable limit of insurance.Therefore, the deductible is generally regarded as the plan to reduce moral hazard.
    Now deductible clause has been widely used in property insurance. However, although a wide variety of types of deductible, but commonly used in Taiwan has long been still limited to specific types of deductible, and it should to be tested whether the deductible is appropriate for insurance products. Therefore, this study aimed to explore the deductible apply to property insurance, and organize the deductible clause in America, England and Japan. Hope insurer to design a variety of deductible policy to provide consumers with multiple options, then make insurer and insured efficiency and contribute to the overall social resources.
    The study includes the theories of deductible. In addition, there is also including the actuarial, in the case of a deductible, a study of pricing the premium rate. The study ends in conclusions and suggestions to put forward issues, to serve the insurance industry for future reference and related personnel.
    Appears in Collections:[保險學系暨研究所] 學位論文

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