风险管理与保险培训课件.pdfVIP

Principles of Risk Management and Insurance 風險管理與保險 Major Reference GEORGE E. REJDA Ninth Edition (2005) 高應大金融系 謝坤民 編著 1 PART TWO Legal Principles in Risk and Insurance Chapter 5 Fundamental Legal  Principles Chapter 6 Analysis of Insurance  Contracts 2 Chapter5 Fundamental Legal Principles 法定基本原則 (一)Principles of Indemnity補償原則  states that the insurer agrees to pay no more than the actual amount of the loss 。 保險人所賠償之金額不超過真正之損失 金額。大部份之產物保險契約為損失補 償契約。其目的有二個︰ (1)prevent the insured from profiting from a loss預防被保險人不當得利 (2)reduce moral hazard減少道德危險 3  (1)Actual Cash Value實際現金價值  which is defined as replacement cost less depreciation, supports the principle of indemnity since it is designed to prevent profiting from insurance  1.Replacement Cost less depreciation  2.Fair Market Value公平市價  (2)Exceptions to the principles of indemnity  例外  1.Valued Policy定值保單：A valued policy pays the face amount in the event of a total loss. 全部損失發生以保險金額賠付  Thus, it is an exception to the principle of indemnity since the amount paid could be more than what the property is actually worth 4 2.Replacement Cost Insurance ：Replacement cost insurance means there is no deduction for depreciation, which allows the insured to be made better off by receiving new property for old no deduction for depreciation  3.Life Insurance is a valued policy為定額保險 A life insurance policy is also an exception to