Five conditions of insurable risk?

① What are the conditions for insurable risks of automobiles?

1. The loss degree is high.

2. The probability of loss is very small.

3. The lo

① What are the conditions for insurable risks of automobiles?

1. The loss degree is high.

2. The probability of loss is very small.

3. The loss has a definite probability distribution.

4. There are a large number of insurance objects with homogeneous risks.

The loss must be unexpected.

6. Losses can be determined and measured.

7. Losses cannot occur at the same time

② What is one of the conditions of insurable risk in risk theory?

1. There is insurable risk (the ideal insurable risk should meet the following conditions)

A. the risk must be pure risk.

B. the risk is definitely uncertain.

C. risks must make a large number of objects likely to suffer losses.

D. the risk must have the possibility of causing significant losses.

E. Risk cannot make most insured objects suffer losses at the same time.

F. risks must be realistic and measurable.

(3) According to the insurance theory, one of the conditions of insurable risk is

1. There is insurable risk (the ideal insurable risk should meet the following conditions)

A. risk response must be pure risk.

B. the risk is definitely uncertain.

C. risks must make a large number of objects likely to suffer losses.

D. the risk must have the possibility of causing significant losses.

E. Risk cannot make most insured objects suffer losses at the same time.

F. risks must be realistic and measurable.

④ What is insurable risk and what are its conditions?

Insurable risk refers to the specific risk that meets the insurer's underwriting conditions. Although insurance is a way for people to cope with risks and can provide people with economic compensation when they suffer losses, not all risks that destroy material wealth or threaten personal safety are covered by insurance companies.

At present, the implementation conditions of the theory of risk period equilibrium in China are not mature, so all insurance companies should carefully apply the weakened insurable conditions to underwrite risks and avoid the instability of insurance operation. All insurance companies may, on the basis of risk combination, take into account the laws and regulations of insurance macro-supervision.

Insurable risk is the risk that the insurer can accept insurance. That is, the risk that meets the insurer's underwriting conditions is a form of risk. Insurable risks must meet the following conditions:

1, insurable risk is pure risk;

2. The occurrence of risks must be accidental;

3. The occurrence of risks is unexpected;

4. The risk must be that a large number of goals are more likely to love losses;

5. Risk loss must be quantifiable in currency.

(4) Extended reading of five conditions of insurable risk:

Relationship with insurance

Risk is the premise of the emergence and existence of insurance.

Without risk, there is no insurance. The emergence and development of insurance shows that insurance is based on the existence of risks and the need to compensate for the losses caused by the occurrence of risks.

The development of risk is the objective basis for the development of insurance, and it is also the basis for the emergence of new types of insurance.

With the progress of society and the improvement of science and technology, it brings people new wealth, but also new risks and losses. In line with this, new types of insurance are constantly emerging.

⑤ Conditions of ideal insurable risk

(1) A large number of homogeneous risks exist.

* * * and diversification of insurance risks should meet two preconditions:

One is the risk of most people. If it is the risk of a few people or individuals, it is difficult to determine the probability of risk damage without dispersion.

The second is homogeneity risk. If the risk is heterogeneous, then the probability of risk loss is different. Therefore, risks cannot be dispersed with * * *. In addition, due to the different frequency and amplitude of risk losses of different quality, if the insurance business is unstable, the insurer cannot provide insurance supply.

(2) Risk must be calculated.

The possibility of loss can be calculated mathematically, or can be counted according to previous records. The calculation of insurance premium is based on the prediction of future losses.

(3) the risk must be accidental

Intentional loss or inevitable loss is not suitable for insurance. People can predict the loss probability of a certain group, but they can't know the specific time, place and amount of loss, so they need to share the risk.

(4) Risk is not universal.

Most of the insured can't suffer losses at the same time, otherwise the function of insurance sharing losses will be lost because it can't afford it. In real life, some natural disasters, such as earthquakes and storms, will cause huge losses, and wars or political events may cause extensive losses. This aspect should be borne by the state, and insurance companies can also transfer some risks through reinsurance or diversify their insurance business.

6. According to the risk theory, one of the conditions of insurable risk is

1. There is insurable risk (the ideal insurable risk should meet the following conditions)

A. the risk must be pure risk.

B. Risks are bound to be uncertain.

C. risks must make a large number of objects likely to suffer losses.

D. the risk must have the possibility of causing significant losses.

E. Risk cannot make most insured objects suffer losses at the same time.

F. risks must be realistic and measurable.

⑦ One of the conditions of insurable risk is that the risk cannot make most insured objects suffer losses at the same time. What does this condition mean?

The answer is B.

The meaning of this question is that if a certain risk will make the insured suffer losses at the same time, then this risk is uninsurable. For example, war is generally the exclusion liability of life insurance, because war will make the insured suffer losses at the same time, so insurance companies neither cover war losses, but also list war as the exclusion liability of general insurance.