代写论文:保险

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24/04/2018

代写论文:保险

保险被认为是管理风险和挽救资产和财产免受可能的货币损失的重要途径。此外,为此,希望保护其财产免受潜在财务风险的个人必须购买财产保险以换取某些称为保费的费用。这样,风险就从一个实体转移到另一个实体。有各种类型的保险,涵盖不同的资产。财产保险涵盖或保护财产免受因自然灾害或犯罪活动而产生的财产风险。财产保险一般称为保单,是一个实体或个人之间的一种独特合同形式,投保人以定期分期付款的形式支付保费。作为回报,投保人获得财务保护或偿还保险公司的损失(Gatzert,Pokutta&Vogl,2017)。保险公司将其保单持有人的保费以及其他创收资产汇集起来,建立一个储备基金,由保险公司支付索赔。在出售财产保险之前,保险公司通常会评估财产以确定资产相关损失或损害的相关风险,并使用这些数据来决定物业的适当保险费率。保险单是通过分配风险来最小化风险的一种方法。

代写论文:保险
此外,个人用于购买财产保险以降低与其财产相关的风险,购买保单以换取已决定的保费,并希望在发生任何事故时,保险单支持他们免受货币损失。他们的财产损失。然而,通常情况下,保险公司在保单合同中存在不明确的条款逃避保单持有人的索赔。在确定某项特定资产的损失或损害是否属于保险公司根据合同提供的保护或融合范围内,存在几个问题。在处理索赔时,为了赔偿损失或财产损失,理事会需要决定索赔人的损失是否属于所涉政策的条款和条件。因此,房地产公司不愿在销售合同中增加保险条款,卖方和买方都必须在完成和交换期间维持建筑保险。在索赔时,保险公司认为,这两项政策必须彼此共同解读,并且资产有双重覆盖(Puelz,2010)。除此之外,对于汇丰保险而言,很显然,公司逃避支付申请人的赔偿,因为保险合同中有一条规定,如果该建筑物由其他保险公司承保,公司将不会支付。

代写论文:保险

The insurance is considered as an important way of managing risk and saves assets and properties against possible monetary losses. Moreover, for this purpose, an individual who intends to protect his/her property from the potential financial risk has to buy property insurance in exchange for certain fees known as premium. In this way, the risk is shifted from one entity to another entity. There are various types of insurances, which cover different assets. The property insurance covers or protects the property against the risks to the property, which would be occurred from natural disasters or the criminal activities. Property insurance generally known as policy is a unique form of contract between an entity or individual whereby the policyholder makes payment in the shape of premium in regular installments. In return, the policyholder gets financial protection or reimbursement against the losses from the insurer (Gatzert, Pokutta & Vogl, 2017). The insurance companies pool the premium payments from their policyholders and with other income generating assets, build a reserve fund from which the insurance companies make the payment of the claims. Before selling property insurance, the insurance companies usually assess the properties to determine the associated risk of the asset against the loss or damages and use the data to decide on the appropriate rate of premium for the properties. The insurance policy is a way to minimizing the risk by distributing the risks.

代写论文:保险
Furthermore, the individuals use to buy property insurance for reducing the associated risk with their property, purchase a policy in exchange for the decided premium and hope that in the case of any accidents occurs, then the insurance policy support them against the monetary loss occurs from the damages of their property. However, it is often apparent that the insurance companies’ escapes from making payment for the claims of the policyholders by the ambiguous clauses exist in the policy contracts. Several issues take places for determining that whether the loss or damages to a specific asset falls within the protection or converge provided by the insurance company according to the contract. At the time of addressing, the claims for indemnity in order to loss or damage of property the council will require to decide whether the claimants’ loss is covered under the term and condition of the policy at issue. For this reason, the real estate companies are wary of adding the provisions of insurance in the sale contract, where the seller and buyer both have to maintain building insurance for the period between the completion and exchange. At the time of claim, the insurance companies argue that the both the policies must be read jointly with each other and there is double coverage of the asset (Puelz, 2010). In addition to that, it is evident in the case of HSBC Insurance that the company escape from making payment of claimant as there is a clause in the insurance contract stating that if the building is insured under any other insurer, the company will not pay.

 

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