We know that one way to prevent risk is to ensure the insurance company is a risk. This method is considered to be the most important method of tackling the risk. So many people think that risk management equals insurance. Although the actual situation is not the same.
Insurance means insurance transactions, which involve two parties, insurance and insurance. Where the insurance guarantees insurance, that he may be reprimanded for a loss, which he can enjoy, an event that does not necessarily occur or which may not be determined when it happened. The obligation to pay some money to insure, the proportion of the sum insured, is generally called “premium”.
Meet from different angles, there are different strategies for targeting and division of insurance, among others:
1. From the economic perspective, then:Target: The result of surgery performed by a person or company is to reduce the uncertainty or to achieve goals.
Technique
The risk of transferring risk to other parties and combining a significant amount of risk to other parties, so it can be estimated with the more precise levels of possibilities of losses.
The risk of transferring risk to other parties and combining a significant amount of risk to other parties, so it can be estimated with the more precise levels of possibilities of losses.
2. In the rules of the law, then:
Target:
Moving Risks on the face of the business activity of an object or other party.
Target:
Moving Risks on the face of the business activity of an object or other party.
Technique
Compensation agreement (insurance policy), then the risk of insurance transfer, through premium payment through the premium payment.
Compensation agreement (insurance policy), then the risk of insurance transfer, through premium payment through the premium payment.
3. In trade standards, however:Target:
Share the risks faced by all participants of the insurance program.
Share the risks faced by all participants of the insurance program.
Technique
The Risk Management (Insurance Company) transferred risk from the person / company employed, which will divide the risk of all participants of the insurance IT handle.
The Risk Management (Insurance Company) transferred risk from the person / company employed, which will divide the risk of all participants of the insurance IT handle.
4. From a social perspective, then:Target:
All participants of the insurance program jointly lose.
All participants of the insurance program jointly lose.
Technique
To sympathize with the losses incurred by some members of the team members (team members) contributing insurance programs (in the form of premiums).
To sympathize with the losses incurred by some members of the team members (team members) contributing insurance programs (in the form of premiums).
5. On the scale of mathematics, then:Target:
Predicting the risk probability and the consequences of this prediction are used to divide the risk of all participants (group of participants) insurance programs.
Predicting the risk probability and the consequences of this prediction are used to divide the risk of all participants (group of participants) insurance programs.
Technique
Probability is calculated based on feasibility theory (“feasibility theory”), as well as run by underwriter.
Probability is calculated based on feasibility theory (“feasibility theory”), as well as run by underwriter.