1446048
Descrição
Mapa Mental por Mari Gunnerud, atualizado more than 1 year ago
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Criado por Mari Gunnerud
aproximadamente 10 anos atrás
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Risk evaluation
- On policy level:
- n incidents during a certain time period
- Total loss z = x_1+...+x_n,
- where x_i denotes the loss of the i-th incident
- where x_i denotes the loss of the i-th incident
- Total loss z = x_1+...+x_n,
- n incidents during a certain time period
- On portfolio level:
- N different claim sizes during a certain time period
- Total portfolio loss Z = X_1+...+X_N,
- where X_i denotes the total loss of the i-th type of claim
- where X_i denotes the total loss of the i-th type of claim
- Total portfolio loss Z = X_1+...+X_N,
- N different claim sizes during a certain time period
- Compensations will differ according
to the type of contract:
- z = actual total replacement value,
f(x)= actual compensation of the each
loss:
- z = f(x_1)+...+f(x_n)
- Given the i-th loss x_i, the contract f(x_i)
determines the i-th
compensation.
- Can now include the possibility
of e.g. only covering losses x_i
within a certain range, say [y,y+b], for y,b > 0:
- f(x_i) = 0 if x_i < y
- f(x_i) = x_i - y, if y < x_i < y+b
- f(x_i) = b, if x_i > y+b
- where y denotes a certain
deductible
- (Reinsurance can be
arranged in a similar
way)
- (Reinsurance can be
arranged in a similar
way)
- where y denotes a certain
deductible
- f(x_i) = b, if x_i > y+b
- f(x_i) = x_i - y, if y < x_i < y+b
- f(x_i) = 0 if x_i < y
- Can now include the possibility
of e.g. only covering losses x_i
within a certain range, say [y,y+b], for y,b > 0:
- z = f(x_1)+...+f(x_n)
- The insurance company is not
necessarily obliged to cover the
whole loss of the policy holder!
- z = actual total replacement value,
f(x)= actual compensation of the each
loss:
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