chapter 2 tamil insurance
TRANSCRIPT
-
7/24/2019 Chapter 2 Tamil Insurance
1/15
2
) 2.1
) 2.2
) 2.3
) 2.4
) 2.5
,
(concept)
.
1
.
,
. , .
/ ,
.
. ,
-
7/24/2019 Chapter 2 Tamil Insurance
2/15
.
.
(terms) :
(pure
risk)
)
/
1) /
'' .
, , ,
.
,
.
/
.
.
.
, '' ,
.
-
7/24/2019 Chapter 2 Tamil Insurance
3/15
,
:
----------
---- ----
,
. ,
- .
. ,
, ,
(rider).
.
(Retail) .
.
, , , :
.
.
.
,
.
,
, .
,
. ''
.
-
7/24/2019 Chapter 2 Tamil Insurance
4/15
.
,
, .
, .
.
,
.
: ,
.
. .
.
,
.
, ?
2)
.
.
,
.
)
:
---------(level)
(Uncertainty)
(Risk)
-
7/24/2019 Chapter 2 Tamil Insurance
5/15
1)
, .
,
.
. :
.
?
, , ,
. .
,
, , .
.
1. 40 .
,
.
.
. ?
. , .
.
, .
.
?
.
,
.
-
7/24/2019 Chapter 2 Tamil Insurance
6/15
2)
level
of
risk)
,
.
:
),
).
, ,
, .
, .
, , , ,
.
.
100 . 30-39
. 31 .
1 % 100 1 . 60-69
. 15 61 (15%) .
.
,
.
( (claims
experience)) . ,
(60-70)
, .
-
7/24/2019 Chapter 2 Tamil Insurance
7/15
22 2010 812 . 158
.
.
.
,
.
3)
.
.
. , ,
.
, . :
. ,
.
, (
) .
26 2001.
.
.
.
, .
-
7/24/2019 Chapter 2 Tamil Insurance
8/15
(26 2004 )
,
.
,
, .
:
------------
---------
.
.
: ,
----------: , .
, , ,
. ,
.
:
:
, . ,
, ,
(IT)
.
:
,
.
:
,
. ,
.
:
.
-
7/24/2019 Chapter 2 Tamil Insurance
9/15
, ,
.
, ,
.
4.
.
?
2.1
.
)
:
;
(Purerisks);
(Particularrisks).
1)
,
. :
-
.
.
, ,
.
/.
.
/
.
-
7/24/2019 Chapter 2 Tamil Insurance
10/15
.
.
.
.
. .
.
. . ,
,
.
,
, :
, ,
. ,
,
.
/
. ,
.
.
, .
.
2.2
?
2)
Pure
risks)
-
7/24/2019 Chapter 2 Tamil Insurance
11/15
, .
.
,
.
.
3)
Particular
risks)
.
.
)
Risk
transfer)
1 , , .
(Insurer) (Insured)
.
,
,
.
.
) Poolingofrisks)
.
. ,
.
, :
;
;
;
.
-
7/24/2019 Chapter 2 Tamil Insurance
12/15
(Pool accounts) .
, . ,
.
,
. .
2.3
? ,
?
1)
Law
of
large
numbers)
''
. ,
.
1000 , 1%
, 10 .
,
.
:
, , ,
.
.
, ,
.
, .
-
7/24/2019 Chapter 2 Tamil Insurance
13/15
:
.
.
.
(Physical) , (Moral) .
Insurable
risks)
,
.
(Purerisks).
.
(Particular risks)
.
,
, .
,
.
2.1 .
. , ,
. ,
.
,
.
.
2.2 :
1) -
.
.
, ,
.
-
7/24/2019 Chapter 2 Tamil Insurance
14/15
2) /
.
.
/
.
3)
4)
.
.
.
2.3 ,
.
,
.
.
.
-
1. .
2. .
-
7/24/2019 Chapter 2 Tamil Insurance
15/15
-
1. :
;
;
.
2. :
;
;
.