The Study of Co-insurance Clause Apply to Property Insurance

• Main Authors: Pin-Hsuan Huang, 黃品瑄
• Other Authors: Shuh-Yuan Liao
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/44458331637838143877

碩士 === 淡江大學 === 保險學系保險經營碩士班 === 100 === Co-insurance clause rarely mentioned in the domestic books. Currently, there has seldom been applied the Co-insurance Clause to the property insurance. The purpose is aimed at developing the new type of insurance product and enhancing the competition of property insurance product. In this study focus on fundamental theory of Co-insurance，which discuss in new aspect of basic definition. Moreover, this study mention that Co-insurance how to affects the insurance rates. Through the study of foreign property insurance on the terms of the co-insurance background, purpose and use of insurance and its use of the effect of collection and sorting, horizontal analysis on the usage of Co-insurance Clause refer to the United States, Japan, China and Taiwan''s current property insurance. Try to learn from the experiences of foreign country that make the domestic property insurance combine well with international concepts. This study is designed to discuss related suggestion in Co-insurance Clause and to supply domestic insurance product for future reference and also to provide insurance industry with reference. Make sure that Co-insurance usage fit more into the realistic demand of the insured and the will of the insurer.