chapter 2 tamil insurance

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  • 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

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    .

    .

    (terms) :

    (pure

    risk)

    )

    /

    1) /

    '' .

    , , ,

    .

    ,

    .

    /

    .

    .

    .

    , '' ,

    .

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    ,

    :

    ----------

    ---- ----

    ,

    . ,

    - .

    . ,

    , ,

    (rider).

    .

    (Retail) .

    .

    , , , :

    .

    .

    .

    ,

    .

    ,

    , .

    ,

    . ''

    .

  • 7/24/2019 Chapter 2 Tamil Insurance

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    .

    ,

    , .

    , .

    .

    ,

    .

    : ,

    .

    . .

    .

    ,

    .

    , ?

    2)

    .

    .

    ,

    .

    )

    :

    ---------(level)

    (Uncertainty)

    (Risk)

  • 7/24/2019 Chapter 2 Tamil Insurance

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    1)

    , .

    ,

    .

    . :

    .

    ?

    , , ,

    . .

    ,

    , , .

    .

    1. 40 .

    ,

    .

    .

    . ?

    . , .

    .

    , .

    .

    ?

    .

    ,

    .

  • 7/24/2019 Chapter 2 Tamil Insurance

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    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

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    22 2010 812 . 158

    .

    .

    .

    ,

    .

    3)

    .

    .

    . , ,

    .

    , . :

    . ,

    .

    , (

    ) .

    26 2001.

    .

    .

    .

    , .

  • 7/24/2019 Chapter 2 Tamil Insurance

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    (26 2004 )

    ,

    .

    ,

    , .

    :

    ------------

    ---------

    .

    .

    : ,

    ----------: , .

    , , ,

    . ,

    .

    :

    :

    , . ,

    , ,

    (IT)

    .

    :

    ,

    .

    :

    ,

    . ,

    .

    :

    .

  • 7/24/2019 Chapter 2 Tamil Insurance

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    , ,

    .

    , ,

    .

    4.

    .

    ?

    2.1

    .

    )

    :

    ;

    (Purerisks);

    (Particularrisks).

    1)

    ,

    . :

    -

    .

    .

    , ,

    .

    /.

    .

    /

    .

  • 7/24/2019 Chapter 2 Tamil Insurance

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    .

    .

    .

    .

    . .

    .

    . . ,

    ,

    .

    ,

    , :

    , ,

    . ,

    ,

    .

    /

    . ,

    .

    .

    , .

    .

    2.2

    ?

    2)

    Pure

    risks)

  • 7/24/2019 Chapter 2 Tamil Insurance

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    , .

    .

    ,

    .

    .

    3)

    Particular

    risks)

    .

    .

    )

    Risk

    transfer)

    1 , , .

    (Insurer) (Insured)

    .

    ,

    ,

    .

    .

    ) Poolingofrisks)

    .

    . ,

    .

    , :

    ;

    ;

    ;

    .

  • 7/24/2019 Chapter 2 Tamil Insurance

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    (Pool accounts) .

    , . ,

    .

    ,

    . .

    2.3

    ? ,

    ?

    1)

    Law

    of

    large

    numbers)

    ''

    . ,

    .

    1000 , 1%

    , 10 .

    ,

    .

    :

    , , ,

    .

    .

    , ,

    .

    , .

  • 7/24/2019 Chapter 2 Tamil Insurance

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    :

    .

    .

    .

    (Physical) , (Moral) .

    Insurable

    risks)

    ,

    .

    (Purerisks).

    .

    (Particular risks)

    .

    ,

    , .

    ,

    .

    2.1 .

    . , ,

    . ,

    .

    ,

    .

    .

    2.2 :

    1) -

    .

    .

    , ,

    .

  • 7/24/2019 Chapter 2 Tamil Insurance

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    2) /

    .

    .

    /

    .

    3)

    4)

    .

    .

    .

    2.3 ,

    .

    ,

    .

    .

    .

    -

    1. .

    2. .

  • 7/24/2019 Chapter 2 Tamil Insurance

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    -

    1. :

    ;

    ;

    .

    2. :

    ;

    ;

    .