As
we know amazing risk prevention is usually to insure a risk to the insurance
company. This process is considered the most important approach in tackling
risk. Therefore many persons think that risk management is equivalent to
insurance. Though the genuine circumstances are not thus.
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Insurance means the transaction, which involves two parties, the covered by
insurance and the insurer. Where insurer guarantees the insured person, that he
will be refunded for a loss which in turn he may suffer, because of an event
that would not really occur or which may not be identified when or mainly
because it occurred. As the insured in the requirement to pay some funds to the
insurer, the number of proportion of the total insured, commonly referred to as
"premium".
Viewed
by several angles, the has a variety of goals and techniques of splitting,
among others:
A. From an economic point of view, then:
The objective:
Reducing the uncertainness of the results of operations undertaken with a person or business in order to meet the demands or achieve goals.
Technique:
By shifting the risk to the other person and the other party incorporating a considerable amount of risk, so that it can be estimated with additional precise the size of the possibility of damage.
B. In terms of Regulation, then:
The aim:
Transferring the risks experienced by an object or maybe a business activity to a new party.
Technique:
A. From an economic point of view, then:
The objective:
Reducing the uncertainness of the results of operations undertaken with a person or business in order to meet the demands or achieve goals.
Technique:
By shifting the risk to the other person and the other party incorporating a considerable amount of risk, so that it can be estimated with additional precise the size of the possibility of damage.
B. In terms of Regulation, then:
The aim:
Transferring the risks experienced by an object or maybe a business activity to a new party.
Technique:
Thro
ugh premium payments by insured to the insurance company
in the indemnity deal (insurance policy), then a risk of transferring for the
insurer.
C. Regarding Trade, then:
The goal:
Share the hazards faced to all individuals of the insurance plan.
Technique:
Transferred risk from individuals as well as companies to finance institutions
engaged in risk management (insurance companies), which will reveal the risk to
all members of the insurance that handles.
D. By a societal viewpoint, then:
The target:
Bear losses mutually among all participants with the insurance program.
Strategy:
All group people (group members) on the insurance program add (in the form of
premiums) to empathize losses suffered with a / some of their members.
E. When it comes to Mathematics, then:
The goal:
Predict the magnitude of the probability of risk and the result of the forecast
can be used to divide the chance to all participants (group of participants)
insurance program.
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