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Curs 1: Asigurrile i reasigurrile abordri teoretice de baz

Asigurri Internationale Facultatea de Relaii Economice Internaionale - 2013
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Curs 1: Asigurrile i reasigurrile abordri teoretice de baz

SUMAR

1. Origine i evoluie 2. Nevoia de protecie 3. Dispersia riscului forme de protecie 4. Funciile asigurrii i reasigurrii 5. Riscurile n asigurri 6. Clasificarea asigurrilor
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Comercianii

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1. Origine i evoluie
3000 en Chinezi, babilonieni IX en greci, romani Asigurrile maritime

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Curs 1: Asigurrile i reasigurrile abordri teoretice de baz

SUMAR

1. Origine i evoluie 2. Nevoia de protecie 3. Dispersia riscului forme de protecie 4. Funciile asigurrii i reasigurrii 5. Riscurile n asigurri 6. Clasificarea asigurrilor
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2. Nevoia de protecie
Pentru persoane juridice
> > > > > > > > > De viata de grup si pensii Mijloacelor de transport Pierderii profitului Raspundere fata de terti Medicala si de accidente ale angajatilor Bunuri, cladiri, active, masini, marfuri De fidelitate pentru angajati Sistemelor IT altele

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Curs 1: Asigurrile i reasigurrile abordri teoretice de baz

SUMAR

1. Origine i evoluie 2. Nevoia de protecie 3. Dispersia riscului forme de protecie 4. Funciile asigurrii i reasigurrii 5. Riscurile n asigurri 6. Clasificarea asigurrilor
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3. Dispersia riscului forme de protecie

Asigurarea Coasigurarea Autoasigurarea

Reasigurarea

Mecanismul asigurrii, reasigurrii, coasigurrii i retrocedrii

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Ce este asigurarea?

Prime de asigurare
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POOL
Asiguratorul beneficiaza din legea numerelor mari

Despagubiri

Contributiile multora acopera pierderile unora

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Piata asigurarilor
Cei care cauta sa cumpere asigurari
Publicul General Groups Companii Asiguratorii Reasiguratorii

Cei care cauta sa vanda asigurari

Copaniile de Asigurare Lloyd's of London Reasiguratorii Guvernul

Intermediarii
Brokerii de pe piata Lloyd's Brokeri Consultanti Agenti

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Procesul de Underwriting
CLIENT BROKER

UNDERWRITER
Refuza Accepta Prima de Asigurare
Termene si Conditii
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Procesul de Underwriting
CLIENT
PRODUCING BROKER LLOYDS BROKER

OVERSEAS DOMESTIC MARKET

LONDON MARKET
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Coasigurarea
The Direct Insured (oil co.)

(100%)

BROKER Coinsurance
Co.A 30% Co.B 20% Co.C 20% Co.D 15% Co.E 15%

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Reasigurarea
The Direct Insured (oil co.) (100%)

BROKER Coinsurance
Co.A 30% Co.B 20% Co.C 20% Co.D 15% Co.E 15%

Reinsurance 50% of 30%

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Reinsurance
Reinsurance

Facultative

Treaty

Proportional

Non-Proportional

Quota Share

Surplus Lines

Excess of Loss

Stop Loss

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Reinsurance Relationships Direct Insured Insurer Contract of Insurance

Reinsured or Cedant
Reinsurer

Contract of Reinsurance Contract of Retrocession

Retrocedant
Retrocessionaire
NB Privity of contract in each case!
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How the Intermediaries Place Business

Insure Me
Quotation Placement

Accounting
Documentation
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Independent Intermediary

identify best market negotiate terms & conditions advice re policy wording collect premiums advise re claims uninsured loss recovery granting cover issuing cover notes

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Curs 1: Asigurrile i reasigurrile abordri teoretice de baz

SUMAR

1. Origine i evoluie 2. Nevoia de protecie 3. Dispersia riscului forme de protecie 4. Funciile asigurrii i reasigurrii 5. Riscurile n asigurri 6. Clasificarea asigurrilor
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4. Funciile asigurrii i reasigurrii (I)

Funciile asigurrii
Compensarea financiar a pierderilor Prevenirea pagubelor Funcia financiar Economisirea Reducerea costurilor statului Provovarea comerului invizibil

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4. Funciile asigurrii i reasigurrii (II)

Funciile reasigurrii
Protejare asigurtorii direci Obinere grad de stabilitate a ratei daunelor Dispersare mare a riscurilor Cretere flexibilitate asigurtor Stabilitate prin evitarea fluctuaiilor daunelor Crete capacitatea de subscriere a asigurtorilor

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Curs 1: Asigurrile i reasigurrile abordri teoretice de baz

SUMAR

1. Origine i evoluie 2. Nevoia de protecie 3. Dispersia riscului forme de protecie 4. Funciile asigurrii i reasigurrii 5. Riscurile n asigurri 6. Clasificarea asigurrilor
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The Meaning of Risk

480TURBO

The Insured Object

The Peril Insured Against The Probability of Loss

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Riscurile n asigurri

Calculabile S nu poat fi evitate S nu poat fi contientizate

Suportabile
Compensatorii Contractuale

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Nature Of Perils
EXCLUDED Perils: An exception, or exclusion under the policy
UNINSURED Perils: Just not mentioned under the policy
INSURED Perils: Things covered under the policy

Under the policy there are three possibilities, see above

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Risk Management Identification Frequency Evaluation Economic Control Severity

Physical
Pre loss
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Financial
Retention Transfer

Post loss

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Curs 1: Asigurrile i reasigurrile abordri teoretice de baz

SUMAR

1. Origine i evoluie 2. Nevoia de protecie 3. Dispersia riscului forme de protecie 4. Funciile asigurrii i reasigurrii 5. Riscurile n asigurri 6. Clasificarea asigurrilor
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Classes of Insurance

Marine

Aviation

Life

Non-marine Property
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Motor Non-marine Casualty

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Clasificarea asigurrilor (I)

Criterii

Tipul i natura riscurilor asigurate Via Non-via

Modul de realizare a raporturilor juridice Prin efectul legii sau obligatorie Contractual sau facultativ Domeniul asigurrii De bunuri De persoane De rspundere civil De interes financiar
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Clasificarea asigurrilor (II)

Riscul asigurat
> > > > Pentru riscuri cu caracter natural De accidente De rspundere civil De deces

Teritoriul pe care se acord acoperirea

> Interne > Externe

Natura i tipul raporturilor stabilite

> Directe > indirecte
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Main Classes of Insurance

GENERAL NON-LIFE
1. 2. 3. 4. 5. 6. Transportation Insurances Property Pecuniary Liability Insurance Health Insurances Package insurance

LIFE

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Main Classes of Insurance

GENERAL NON-LIFE

1. Transportation Insurances Motor Marine Aviation

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Main Classes of Insurance

GENERAL NON-LIFE 2. Property Fire & Special perils Theft Money Engineering Glass Goods in transit All Risks Livestock

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Main Classes of Insurance

GENERAL NON-LIFE 3. Pecuniary Fidelity guarantee Legal expenses Credit Business interruption

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Main Classes of Insurance

GENERAL NON-LIFE 4. Liability Insurance Employers liability Public liability Products liability Professional indemnity

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Main Classes of Insurance

GENERAL NON-LIFE 5. Health Insurances Personal Accident Sickness Medical expenses

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Main Classes of Insurance

GENERAL NON-LIFE 6. Package insurance Travel insurance Traders combined Household

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Main Classes of Insurance

II. LONG TERM INSURANCES

Life Assurance
Term Assurance Whole Life Endowment

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