10第十章国际货物运输保险.ppt

2. Insurance Practice of China Export Companies 我国外贸企业办理货物运输保险的做法 2.1 Export Insurance 出口货物运输保险——逐笔投保 According to the export contract or the Letter of Credit, after preparing the goods and confirming shipping tools and shipping dates, the seller shall apply for insurance and fill in an insurance policy which indicates name of the insurant, name and quantity of the cargo insured, packing methods, shipping marks, port of shipment and destination, name of vessel and voyage number, insurance amount, risks covered, insurance date and place for settlement. Several ways of calculating the insurance premium are listed as follows: 2.1.1 Amount Insured保险金额――投保金额 It is the maximal indemnity paid by the insurer, which is the basis of checking the insurance premium. 是保险公司可以赔偿的最高金额，也是核算保险费的基础。 Customarily, Amount Insured=CIF×(1+10%) 习惯上按发票金额加一成（即10%）投保加成：预期利润、业务费用。 保险金额＝CIF（总值）×（1＋10%） 2.1.2 Premium保险费 It is the consideration paid by the insurer to the insurant, laying the pre-conditions for the insurer to undertake the insurance liability. 保险费是投保人给保险人的对价，是保险人承担保险责任的前提条件。 2.1.3 Premium Rate Insurance Premium is determined by the amount insured and the premium rate. The Premium Rate is determined by risks covered and loss rate. 保费率――是计收保险费的依据。保险人交纳保险费的多少主要取决于保险金额和保费率，保费率是根据保险险别、风险大小、损失率高低制定的。 Insurance Premium = Insurance Amount × Premium Rate= [CIF×(1+10%)] × Premium Rate 保险费的计算公式： 保险费＝保险金额X保费率＝[CIF×（1＋10%（投保加成率）]×保费率 3. Insurance Documents 保险单据 3.1 Definition 保险单据的定义 An insurance document is the evidence of the insurance contract entered into by the insurer and the applicant or the insurant. It serves as a document defining the obligations of the insurer and the insurant. It is also the document according to which the insurant lodges a claim and the insurer settles a claim when the loss or damage which is answerable under the terms of the coverage occurs. Under CIF and CIP contracts, the seller must provide the buyer with insurance documents. And insurance documents are