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reinsurance
Reinsurance is insurance from a third party insurance coverage offered by the insurer or simply part of the insurance risk assumed by an insurer to another specialist insurer called a reinsurer. In simple terms, reinsurance is insurance for insurance.
Purpose of Insurance
Object locking can be any property or any substantial value which, when it happens, it will cause the loss of a legal right or creating liability.
discharge
Discharge is the agreed amount to be deducted from the compensation paid by the insurer and paid by the policyholder. Sometimes agree, provided the policy, the insurer is relieved of paying a portion of the damage, whenever called upon to indemnify, charging the amount the beneficiary. So asked the policyholder, assume some responsibility for risk behalf.
compensation
Compensation is an insurance principle which seeks to place the insured after a loss in the same position, as far as possible, held before the damage. Not applicable to life insurance and generally in Insurance Personal Accident. Compensation is also the extent of the liability of the insurer or reinsurer for a loss.
Insurance
Insurance is a joint fund contributed by many to cover themselves from a random and unexpected loss (and / or otherwise from any damage has been agreed)
Insurance Percentage
Insurance is the insurance rate agreed by the authority during the conclusion of the contract, corresponding to a percentage of the insured value of the property. It is understood that in the event of a risk, the compensation rate is equivalent to the amount of damage. It is possible to insure insurer eg 50% of the value of a thing. So if the risk materializes, will reimburse 50% of the damage. Functions, ie the proportional rule. If 100% of the value of the property is less than the amount resulting from the reduction of the amount of the insured value to 100%, then the compensation is calculated according to the rate of insurance on the actual value of the thing.
Insurance risk in first
Insurance in the first risk, the insurance practice covers only up to a maximum possible damage, ignoring the overall value of the thing insured, which can be much higher in case of damage, do not apply the proportional term ypasfalisis. The purpose of this form of insurance is to cover the maximum amount of damage that can be caused not by the total insurance value.
insured
Where life insurance, "Insured" means the person whose life is insured. The concept of the insured including dependents which is / Spouses and unmarried children of a particular insured which may be secured in some additional coverages offered by certain insurance products. Where general insurance but when we use the term "Insured" means the person (natural or legal) which things (property) or secured interests. In both cases insured policyholder may be either the same person or different persons.
insurance
The insurance is a private contract document issued by the insurer (otherwise invalid), as required, and demonstrate the required insurance. This document has no proof and constitutive. If there is no insurance, contents insurance contract can only be proven by oath or bond.
Insurer The word "Insurer" says the Insurance Company, which must be large capital base and high solvency and which undertakes to pay the indemnity to the Beneficiary if that happens the risk covered. Basis of Law. 400/70, as subsequently amended and supplemented, and current, there are two categories of insurance business and are: life insurance undertakings, which carry life insurance · Life Insurance Companies, engaged in life insurance. The term "Insurance" but used improperly and for all those people who mediate to effect the insurance contract. Ie intermediaries selling insurance and other workers at an insurance company.
insurance Value
In an insurance contract, the insurance value is called the objective, real value of a real object, a particular "moment". By default, the insurance value only in non-life things, there is the possibility of objectively assessing their value in money to replace. In a contract, the insurance value is susceptible to fluctuations given "moments" because of age, depreciation or differentiation.
insurance Amount
Sum insured or insured capital is the maximum liability of the insurer, which is agreed between the insurer and the policyholder or insured, stated in the insurance contract and thereon calculated premiums. Insurance value or interest and insurance sum insured must be one and the same, to be full insurance coverage.
insurance Interest
Insurance interests are economic in nature compared to good person. Often, but not always, this relationship is a legal relationship (eg ownership). But can this relationship is not direct legal, but result from usufruct or other interest (eg, use of leased premises). Security interests are contrary to morality or illegal activity such as insurance drug smuggling goods etc. is invalid.
insurance Risk
The term insurance risk is used with three different meanings: a) The object of insurance, ie the partition insure the machine, the pleasure craft, the person, and so on b) The uncertainty or the possibility of the loss event and the scale of damage that can be caused. c) The harmful event against which insurance is.
consecutive Insurance
In non-life insurance contracts, it is possible to follow the insured or the policyholder or other insured policyholder security. This can happen e.g. due to the transfer of the thing insured, eg car sale or sale shop etc. In such a case within the next 30 days at the latest from the day you become aware of the succession, the insurer may terminate the contract.
proprietor
The beneficiary is the person or persons who have been determined to recover sums insured, if an insurance risk. Change beneficiary during security may be at the written request of the contractor which the insured subscribes. The Beneficiary may be natural or legal person.
premium
Risk premium is the additional premium paid by the insured, or profession, or for medical reasons. The business premiums determined in accordance with the specific characteristics of certain professions, while health insurance premiums are determined by the health problems faced by the insured.
Policyholder
Contractor or policyholder is the person or entity that enters into the insurance company. The contractor may be different than the insured person, just between the relational, professional or other relationship which justifies the interest of the Contracting insurance for that person.
Coinsurance - Multiple Insurance
Co-insurance is the insurance of a thing insured against the same risk in two or more insurers. The insurance shall be valid to the extent of the damage, the ratio for each insurer up to the amount of the contract. The policyholder or the insured, shall disclose to any insurer synasfalizei, the existence of other insurance contracts. The law provides that the coinsurance may or may not be present agreement between coinsurers. However, if the recipient fails or insurance policyholder willfully disclose the existence of the co-insurance co-insurers, the insurance is invalid.
Underinsurance
Underinsurance exist when the sum insured or covered insured capital is less than the insurance value of the thing. Thus, if the risk materializes, applies the proportional term. In ypasfalisi if the risk materializes, the compensation is proportional to the ratio of the value of insurance and insurance-insured capital sum.
Overinsurance
Overinsurance exist when the sum insured or covered insured capital is greater than the insurance value of the thing. This may be due, either inadvertently overestimate the insured value of the property, either voluntarily fraudulent intent of the policyholder-insured. Regardless of whether that one or the other and the reasons for, contrary to both the insurance principle of risk management and the existing legislation.
