A Study of Deductible Clause Apply to Non-Life Insurance

• Main Authors: Ya-Ching Hou, 侯雅瀞
• Other Authors: 廖述源
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/87819496149846366698

碩士 === 淡江大學 === 保險學系保險經營碩士班 === 100 === The deductible clause is derived from the risk of retention, means the insurer can’t or will not voluntarily transferred to the insurer''s part.Setting the deductible in policy, the insurer will pay only that the amount of loss, damage or expense in excess of the “deductible” up to the applicable limit of insurance.Therefore, the deductible is generally regarded as the plan to reduce moral hazard. Now deductible clause has been widely used in property insurance. However, although a wide variety of types of deductible, but commonly used in Taiwan has long been still limited to specific types of deductible, and it should to be tested whether the deductible is appropriate for insurance products. Therefore, this study aimed to explore the deductible apply to property insurance, and organize the deductible clause in America, England and Japan. Hope insurer to design a variety of deductible policy to provide consumers with multiple options, then make insurer and insured efficiency and contribute to the overall social resources. The study includes the theories of deductible. In addition, there is also including the actuarial, in the case of a deductible, a study of pricing the premium rate. The study ends in conclusions and suggestions to put forward issues, to serve the insurance industry for future reference and related personnel.