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Einzelrisiko Und Seine Kalkulation

Einzelrisiko Und Seine Kalkulation


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About the Book

Die Versicherbarkeit ist letztlich bestimmt von den drei Faktoren: Zufälligkeit der versi- cherten Ereignisse, Ausmaß der dadurch einzeln oder in Abhängigkeit ausgelösten Versi- cherungsleistungen und erzielbarer Preis für den Versicherungsschutz. Entsprechend ei- ner Grundannahme der Entscheidungstheorie kommt es auch hier allein auf die Wahr- scheinlichkeitsverteilung der Zufallsvariablen und nicht auf die zugrundeliegenden Ursa- chen oder Gefahren an. Risiken, die mit gleicher Wahrscheinlichkeit gleiche Versiche- rungsleistungen auslösen, sind versicherungstechnisch identisch, gleichgültig, ob Feuer, Unfall, Krieg oder Kidnapping die Ursache ist. Daher spricht versicherungstechnisch nichts dagegen, auch ihrer Entstehung nach ausgefallene Risiken in einem heterogenen Kollektiv zu versichern. Ebenso erlaubt diese Tatsache stets, durch geeignete eindeutige Abgrenzung bezüglich zufälliger Ereignisse und Ausmaß der Leistung Teile einer allge- mein unversicherbaren Risikolage in die Versicherung einzubeziehen. Kontrollaufgaben: 8. Ist ein allgemeiner Versicherungsbegriff in der Lage, die nicht versicherbaren Risiken genau auszugrenzen? 9. Welche Risiken sind aus pragmatischer Sicht und objektiv unversicherbar? 10. Worauf kommt es bei dem Kriterium der Zufälligkeit an? 11. Was bedeutet moralisches Risiko? 12. Überlegen Sie sich ein Beispiel, in dem die mangelnde Eindeutigkeit der mögli- chen Versicherungs leistungen sich als Versicherbarkeitsproblem darstellt. 13. Erklären Sie, warum mangelnde Schätzbarkeit letztlich kein Hindernis für die Versicherung ist.


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Product Details
  • ISBN-13: 9783409927246
  • Publisher: Gabler Verlag
  • Publisher Imprint: Gabler Verlag
  • Edition: 1993 ed.
  • Language: German
  • Returnable: Y
  • Spine Width: 5 mm
  • Width: 156 mm
  • ISBN-10: 3409927247
  • Publisher Date: 01 Jan 1993
  • Binding: Paperback
  • Height: 234 mm
  • No of Pages: 81
  • Series Title: German
  • Weight: 186 gr


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