第四章 保险分类.ppt

第四章 保险的分类;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;第三领域：在第一领域保险和第二领域保险之外的包括意外伤害保险和健康保险的新领域。保险第三领域，在保险实践中往往被称为“两险”，或“中间性保险”，包括我国保险业务中的短期健康保险和意外伤害保险。 产险公司可以经营短期的健康险和意外伤害险。 ;Chapter 4 Classification of Insurance;3.共同保险（Coinsurance)：（也称“共保”）是由几个保险人联合直接承保同一保险标的、同一风险、同一保险利益的保险。共同保险的各保险人承保金额的总和等于保险标的的保险价值。这种风险转嫁方式是保险人对原始风险的横向转嫁，它仍属于风险的第一次转嫁。 4.重复保险 (Double Insurance)：是指投保人以同一保险标的、同一保险事故、同一保险利益分别与两个或两个以上保险人订立保险合同的一种保险。重复保险的各保险合同中保险金额之和超过保险标的的保险价值。;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;Chapter 4 Classification of Insurance;思考题