English  |  正體中文  |  简体中文  |  Items with full text/Total items : 49287/83828 (59%)
Visitors : 7150811      Online Users : 75
RC Version 7.0 © Powered By DSPACE, MIT. Enhanced by NTU Library & TKU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
  • Adv. Search
    HomeLoginUploadHelpAboutAdminister Goto mobile version
    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
    廖述源
    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。
    現今自負額條款已普遍運用於財產保險契約當中,然而,雖自負額型態種類繁多,但長久以來國內常用的自負額卻仍限於特定幾種,且自負額設定型態是否符合保險商品屬性亦尚待檢驗,故本研究旨在探討財產保險應用自負額之現況,整理我國財產保險單使用自負額之情形,並參考美國、英國、日本應用自負額之屬性,期盼保險公司能設計更多元的自負額商品,提供消費者有多樣選擇,使保險人與要保人皆有效益,並對整體社會資源有所貢獻。
    本研究範圍除包括自負額條款之理論基礎外,並於精算面上,在有自負額的情形時,作其保險費率釐訂之探討,最後,提出結論與建議事項,俾供日後保險業者及相關人員之參考。
    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

    Files in This Item:

    File SizeFormat
    index.html0KbHTML100View/Open

    All items in 機構典藏 are protected by copyright, with all rights reserved.


    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library & TKU Library IR teams. Copyright ©   - Feedback