º»¹®/³»¿ë
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º¸Çè°ú ¸®½ºÅ©°ü¸®
Ch12. ¼ÕÇØº¸Çè(Nonlife Insurance)
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Contents
1. Policies Sold by Nonlife Insurance Companies
2. Selected Nonlife Insurance Markets Internationally
3. Europe
4. Asia-pacific
5. Nonlife Insurance Issues
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Policies Sold by
Nonlife Insurance Companies
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Policies Sold
¨ç Àç»êº¸Çè Property insurance policies
¨è Ã¥ÀÓº¸Çè Liability insurance policies
¨é Á¾ÇÕº¸Çè Package insurance policies
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Property Insurance Policies - Common Aspects
ˍȐ(Property) :
ŸÀÎÀÇ °£¼·¾øÀÌ ÇÕ¹ýÀûÀÎ ¸ñÀûÀ¸·Î
µ¿¹°À̳ª ¹°°ÇÀ» óºÐÇϰųª »ç¿ëÇÒ ¼ö ÀÖ´Â ±Ç¸®
(¼ÒÀ¯±Ç°ú µ¿ÀǾî)
1. Àç»êÀÇ ¼ºÁú ºÐ·ù(Nature and Property)
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Property Insurance Policies - Common Aspects
¨ç Real(immovable) vs. Personal(movable) properties
- ºÎµ¿»ê : ÅäÁö¿Í ±× Á¤¡¦(»ý·«)
¨è Tangible vs. Intangible properties
¨ç Direct vs. consequential (indirect) losses
¨ç ¿°Å´ãº¸ Named-peril policy
¨è Æ÷°ý´ãº¸ All risks policy
¨ç ½ÇÁ¦Çö±Ý°¡Ä¡ Actual Cash Value(ACV)
¨è ´ëüºñ¿ë Replacement Cost(reinstatement value)
¨é °æÁ¦Àû°¡Ä¡ Economic (use value) of property
¨ê ½ÃÀå°¡Ä¡ Market value
¨ç ´ãº¸ÀÚ»ê Æ¯Â¡ Characteristics of the covered property
¨è Scope of insurance requested, Limit of insurance along with
: ÈÑ¼ÕµÈ ºÎºÐÀ» °°Àº Á¾·ùÀÇ ÀçÁú·Î ¸¸µé¾îÁø ½ÅǰÀ¸·Î ´ëüÇÑ °¡°Ý
4. º¸»ó¹æ¹ý(Nature of indemnification) : ½Ç¼Õº¸»óÀÇ ¿øÄ¢
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Property Insurance Policies - Common Aspects
¨é °æÁ¦Àû°¡Ä¡ Economic (use value) of property
: °£Á¢¼Õ½Ç¿¡ ´ëÇØ¼ »ç¿ëµÇ´Â °³³ä
¨ê ½ÃÀå°¡Ä¡ Market value
: ¼Õ½Ç ´ç½Ã ÇØ´ç Àç»êÀÇ ½ÃÀå°¡°Ý, »óǰ Àç°í¿¡ ´ëÇÑ ¼ÕÇØ½Ã Àû¿ë
4. º¸»ó¹æ¹ý(Nature of indemnification) : ½Ç¼Õº¸»óÀÇ ¿øÄ¢
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Property Insurance Policies - Common Aspects
¨ç ´ãº¸ÀÚ»ê Æ¯Â¡ Characteristics of the covered property
(¿¹)
construction (¼®Á¶Àΰ¡ ¸ñÀçÀΰ¡?)
occupancy (â°íÀΰ¡ »ç¹«½ÇÀΰ¡?)
protection (º¸¾È °¨½Ã Á¤µµ´Â?)
exposure (À§Çè¿ä¼Ò°¡ Áý°áµÇ¾îÀִ°¡?)
location (¼Ò¹æ¼´Â °¡±î¿î°¡?)
¨è Scope of insurance requested, Limit of insurance along with
: Deductible, Coinsurance and other optional coverages
(ÀÚ±âºÎ´ã±Ý ¼³Á¤, °øµ¿º¸Çè,
º¸Àå¹üÀ§ÀÇ ¼±ÅÃÀû Ãß°¡ ¿©ºÎ¿¡ µû¶ó Pricingµµ ´Þ¶óÁü)
5. Pricing¿¡ ¹ÌÄ¡´Â ¿ä¼Òµé
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Property Insurance Policies - Types
ÈÀ纸Çè(Fire Insurance)
»ó¾÷¿ë Àç»êº¸Çè(Commercial Property Insurance)
- °£Á¢¼ÕÇØº¸Çè(Consequential Loss Insurance)
Àç»êº¸ÇèÀÇ ¿©·¯°¡Áö À¯Çüµé
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