风险单位、自保、自保公司.docxVIP

一、风险单位 1风险单位含义 是指某种风险或某种事故影响或被波及的最大边界和影响范围，或在风险上不可能再合理分割的最小单位，又称风险波及度。 2风险单位概述 再保险合同一般规定，如何划分风险单位是由分出公司决定。对于每一风险单位或一系列风险单位的保险责任，分保双方通过合同按照一定的计算基础对其进行分配。 3风险单位的划分 不同的业务有不同的风险单位，在实务上，风险单位的划分有三种： 1、按地段划分，由于标的之间在地理位置上相毗邻，具有不可分割性，当风险事故发生时，受损失的机会是相同的，故将一个地段作为一个风险单位； 2、按投保单位划分，为了简化手续，有时候一个投保单位就是一个风险单位； 3、按标的划分，一个标的作为一个风险单位。对于一些与其他标的无毗连关系风险集中于一体的 保险标的，可以视一个保险标的为一个风险单位。 4风险单位举例 风 险单位就是风险独立的单位。比如说两堆柴草相距5米，放在一起就是一个风险单位，在中间放一道防火墙，你就可以理解为两个风险单位。因为一堆着火不会影响 到另外一堆，他们的风险是可以分割开的。其他类型财产同理，如投保财产规模较大，如电网，就可以按照地域划分风险单位，俗称拆单。 二、self-insurance Self-insurance is a \o Risk management risk management method in which a calculated amount of money is set aside to compensate for the potential future loss. If self-insurance is approached as a serious risk management technique, money is set aside using \o Actuarial actuarial and insurance information and the \o Law of large numbers law of large numbers so that the amount set aside (similar to an \o Insurance insurance premium) is enough to cover the future uncertain loss. Self-insurance is possible for any \o Insurable risk insurable risk, meaning a risk that is predictable and measurable enough in the aggregate to be able to estimate the amount that needs to be set aside to pay for future uncertain losses. For a risk to be insurable, it must represent a future, uncertain event over which the insured has no control. Other characteristics which assist in making a risk self-insurable include the ability to price or rate the risk. If the insurable event is one in a large number of similar risks, the aggregate risk can be estimated according to the law of large numbers and the probability of that event occurring in the future can be quantified. Normally, catastrophic risks are not self-insured as they are highly unpredictable and high in loss-value. Catastrophic risks are normally underwritten by the re-insurance or wholesale insurance market. Any risk where the potential loss is so large that no one could afford to pay the market premium r