Inshora premium

Inshora premium wakiltar wani kudin domin inshora, biya ta nagarta na doka a cikin hali na wajibi inshora ko son rai inshora karkashin yarjejeniyar, ta hanyar wanda ya samar da asusun inshorar.

A inshora premium a matsayin ra'ayi, bisa ga abun ciki, yana da uku bayyananen:

• doka - bayyana a wani ajali pre-monetary alhaki inshora, wanda aka tabbatar da na inshora kwangila kammala tsakanin jam'iyyun.

• tattalin arziki - ayyukan a matsayin rabo na kasa samun kudin shiga kasaftawa zuwa da inshora, don tabbatar da moriyar daga cutarwa ko a ke so illa na yiwu m events (inshora lokuta);

• ilimin lissafi - aka bayyana, a cikin hanyar maimaita lokaci-lokaci biya zuwa insurer da inshora.

A kudin inshora da sabis da aka nuna a cikin adadin biya ta policyholder da insurer na inshora premium, cewa shi ne, a cikin wasu kalmomi, shi ne tamanin da insurer ta sabis na hanyar su zuwa ga abokin ciniki a taron na wani da inshora taron. A lissafi na inshora premium aka sanya bisa ga inshora jadawalin kuɗin fito. Na dokokin ƙa'idar da inshora kudi aka bayyana a matsayin kudi na inshora premium zuwa da inshora abu ko Naira Miliyan Xari inshora naúrar.

A inshora premium dole ne a darajar isa zuwa:

• cover sa ran da'awar ko'ina cikin inshora lokaci.
• halittar inshora reserves.
• rufe da halin kaka na kamfanonin inshora a cikin al'amarin.
• tabbatar da wani riba gefe.

Wannan wani bangare wanda aka kafa a kudi na ga asusun inshorar da aka tsara na musamman ga inshora biya, ya kira wani net premium na daya, da nufin dauke da fitar inshora ya rufe kudi na insurer - load. Net premium, don haka ne da kudin inshora, ban da halin kaka na review, akwai a insurer. A gaskiya, da inshora premium - mai hade da net premium kuma loading, an kuma kira da babban premium.

Nau'in na inshora premium

Daban-daban fasaha al'amurran da premium halin da daban-daban Concepts.

By ganawa da shi ne zuwa kashi:

• hadarin Premium, aka yi nufi ga rufe hadarin.

• ajiya fee, wanda shi ne yanzu a cikin rayuwar inshora kwangila da kuma maida hankali da policyholder biya a lokacin da inshora lokaci ya ƙare.

• net premium, wanda yake rufe da inshora biya domin wani qayyadadden lokaci a kan wani irin inshora .

• isa taimako daidai da adadin kaya da kuma net premiums, wanda suke kunshe a cikin halin kaka na insurer.

• jadawalin kuɗin fito kudi insurer kunshi isa gudunmawar da premiums ake bukata don rufe halin kaka alaka da daban-daban m matakan, gabatarwa da kuma talla, kuma mafi.

By yanayin hadarin inshora premium ta kasu halitta, wanda yake rufe hadarin ga wani takamaiman lokaci, da kuma wani ajali, ba tare da canza lokaci, cewa shi ne akai.

Inshora premiums an rarraba bisa ga tsari na biya zuwa:

• dunƙule Naira Miliyan Xari, wanda aka cikakken biya da inshora a lokacin da inshora a gaba.

• na yanzu fee - shi ne wani ɓangare na daya-lokaci premium, saboda yana da wani ɓangare na alkawura sanya da inshora game da insurer.

• Tsagaita kyauta - dunƙule Naira Miliyan Xari lambar yabo ga shekara-shekara raba, wanda daukan la'akari da tattalin arziki da damar da inshora, da kuma shi, bi da bi, za a iya rarraba su zuwa wata-wata, na kwata, semiannual (a daidai sassa).

Inshora premiums za a iya raba ma a kan biyan lokaci, a cikin tunani a kan balance sheet na inshora kamfanin da kuma most.