An insurable risk is a risk that meets the ideal criteria for efficient insurance. The concept of insurable risk underlies nearly all insurance decisions. For a risk to be insurable, several things need to be true: The insurer must be able to charge a premium high enough to cover not only claims expenses, but also to cover the insurer's expenses. In other words, the risk cannot be catastrophic, or so large that no insurer could hope to pay for the loss.

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dbpprop:abstract
  • An insurable risk is a risk that meets the ideal criteria for efficient insurance. The concept of insurable risk underlies nearly all insurance decisions. For a risk to be insurable, several things need to be true: The insurer must be able to charge a premium high enough to cover not only claims expenses, but also to cover the insurer's expenses. In other words, the risk cannot be catastrophic, or so large that no insurer could hope to pay for the loss. The nature of the loss must be definite and financially measurable. That is, there should not be room for argument as to whether or not payment is due, nor as to what amount the payment should be. The loss should be random in nature, else the insured may engage in adverse selection (antiselection). Insurance is not effective for risks that are not insurable risks. For example, risks that are too large cannot be insured, or the premiums would be so high as to make purchasing the insurance infeasible. Also, risks that are not measurable, if insured, will be difficult if not impossible for the insurer to quantify, and thus they cannot charge the correct premium. They will need to charge a conservatively high premium in order to mitigate the risk of paying too large a claim. The premium will thus be higher than ideal, and inefficient.
  • Un risque assurable par une société d'assurances doit être aléatoire, futur = pas de rétroactivité, Licite = non contraire à la loi, involontaire = indépendant de la volonté de l'assuré, Réel = le bien assuré doit exister suffisamment courant pour pouvoir calculer sa probabilité, sans être trop courant, au point d'être quasi certain, car alors il ne pourrait être couvert qu'à un tarif prohibitif. L'aléa est le caractère principal de tout contrat d'assurance, et définit donc la notion de risque assurable. L'aléa peut porter sur la survenance ou la non survenance d'un évènement (par exemple le vol), mais aussi sur la date de réalisation d'un évènement certain (par exemple en assurance décès).
  • •Страхуемый риск — риск, который может быть застрахован, то есть риск, в отношении которого может быть заключен договор страхования. Данный риск должен быть однозначно определен, поддаваться оценке вероятности наступления, соответствовать размеру премии, достаточной для покрытия возможных убытков в случае его реализации. Примеры страхуемых рисков: пожар, землетрясение ураган наводнение кража определенного вида имущества залив водопроводной водой угон автомобиля повреждение автомобиля в результате дорожно-транспортно происшествия несчастный случай с пассажиром болезнь, вызванная определенным заболеванием другие виды страхуемых рисков В отношении каждого вида страхуемого риска (совокупности страхуемых рисков) страховщик разрабатывает правила страхования, в соответствии с которыми и заключается договор страхования определенного вида.
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  • An insurable risk is a risk that meets the ideal criteria for efficient insurance. The concept of insurable risk underlies nearly all insurance decisions. For a risk to be insurable, several things need to be true: The insurer must be able to charge a premium high enough to cover not only claims expenses, but also to cover the insurer's expenses. In other words, the risk cannot be catastrophic, or so large that no insurer could hope to pay for the loss.
  • Un risque assurable par une société d'assurances doit être aléatoire, futur = pas de rétroactivité, Licite = non contraire à la loi, involontaire = indépendant de la volonté de l'assuré, Réel = le bien assuré doit exister suffisamment courant pour pouvoir calculer sa probabilité, sans être trop courant, au point d'être quasi certain, car alors il ne pourrait être couvert qu'à un tarif prohibitif.
  • •Страхуемый риск — риск, который может быть застрахован, то есть риск, в отношении которого может быть заключен договор страхования.
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  • Insurable risk
  • Risque assurable
  • Страхуемый риск
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