1. Introduction
1) reason of choice MSA
Health insurance is an insurance that pay medical cost.
We don't know when we sick, what we catch disease or how we sick.
And when medical cost is big, it is a burden on people.
So insurance exist as way to guarantee living healthy.
However, now Korean health insurance face with a crisis.
Our health insurance premium is low, so expenditure of medical
Insurance
1. Eventual Certainty
Everyone dies!
2. Not a Contact of Indemnity
Cannot place value on human life
Types of Life Insurance
1. Term Life Insurance
Provides Life Insurance coverage for a specific term of years for a specified premium
Does not accumulate cash value
“Pure Insurance”
Three key factors
- Face amount (protection or death benefit)
- Pre
Late 1997 after the financial crisis due to interlayer polarization in the labor market share decline, the difficult living and low incomes continue to increase. since 2007 the global financial crisis, rising unemployment, income polarization, deterioration of family income, inflation, Household debt and interest burden due to increased sales of credit by various factors, including difficulties i
Premium) 및 지급준비금(Outstanding Loss)을 적립하므로 원보험자인 출재사로서는 책임이 경감되며 또한 지급능력 규정에서 순자산의 5배 이상을 보유할 수 없도록 규정되어 있는 경우 그 초과액은 당연히 재보험으로 출재하여 그 규정을 준수하여야 한다.
㈐ 새로운 상품
원보험자가 신상품을 개발하여
Insurance Premium)를 징수하는 경제제도를 말한다.
(2) 해상적화보험
적화보험은 화물을 보험목적물로 하여 운송중 화물이 멸실 또는 훼손되거나 화물을 보존하기 위하여 경비를 지출함으로써 화물의 소유권자가 입은 손해를 보험조건에 따라 보상하여 주는 보험으로 전통적 해상위험 뿐만 아니라 해상운