Основи страхової діяльності

20

Міністерство освіти і науки України

Сумський державний університет

Кафедра фінансів

Контрольна робота

з дисципліни

«Страхування»

Виконала

студентка ІІІ курсу факультету економіки та менеджменту

групи Ф-62

Лисиця Богдана

Викладач

Козін Едуард Геннадійович

Суми — 2008

Зміст

Задача 1. Тема: фінансові основи страхової діяльності

Задача 2. Тема: структура тарифної ставки

Задача 3. Тема: методика побудови одноразових нетто-ставок по
страхуванню на дожиття

Задача 4. Тема: страхування відповідальності

Задача 5. Тема: методика побудови одноразових нетто-ставок із
страхування пенсії

Задача 6. Тема: змішане страхування життя розрахунок страхових премій

Задача 7. Тема: фінансова стійкість страхових операцій

Задача 8. Тема: ексцедентне перестрахування

Задача 9. Тема: системи відповідальності в майновому страхуванні

Задача 10. Тема: майнове страхування

Список використаної літератури

Задача 1. Тема: фінансові основи страхової діяльності

Визначити інвестиційний прибуток страхової компанії від розміщення
тимчасово-вільних коштів страхових резервів у розмірі 800 тис. грн. на
депозит у комерційний банк терміном на 20 місяців під прості і складні
відсотки при прибутковості розміщення 5% річних.

Нарахування відсотків на внесок здійснюється щомісячно.

У задачі дати пояснення:

Що таке інвестиційний прибуток?

а) Складне нарахування відсотків здійснюється за формулою:
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,

де:

FV — депозит, вклад, кредит, борг, основна сума, (теперішня вартість);

PV — сума вкладу з відсотками, сума повернення, нарощена сума (майбутня
вартість);

i — процентна ставка в кожному з періодів n;

n — кількість періодів нарахування процентів, в кожному з яких процентні
ставки рівні між собою і дорівнюють і.
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Прибуток складає

869372,7118-800000=69372,7118 (грн..).

б) Просте нарахування відсотків розраховується за формулою:
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,

picscalex100010009000003dd01000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c024004a01d1200000026060f001a00ffffffff000010000000c0ffffff
b8ffffff601d0000f80300000b00000026060f000c004d617468547970650000e0000800
0000fa0200001000000000000000040000002d0100000500000014022002020b05000000
13022002b80d1c000000fb0280fe0000000000009001000000000402001054696d657320
4e657720526f6d616e00a8aaf377b1aaf3772030f577bf02665f040000002d0101000800
0000320a8002e21c01000000297908000000320a8002361a01000000287909000000320a
80023017040000003636363708000000320a8002d016010000002c360a000000320a8002
56120600000038363636363608000000320a80029c0e02000000323008000000320aac03
8e0b02000000313208000000320a8e01300c02000000303508000000320a8e01d00b0100
00002c3508000000320a8e01160b01000000303508000000320a8002ec08010000003135
0a000000320a8002dc03060000003830303030301c000000fb0280fe0000000000009001
010000cc0402001054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030f577
bf02665f040000002d01020004000000f001010009000000320a8002c61a03000000e3f0
ed301c000000fb0280fe0000000000009001010000000402001054696d6573204e657720
526f6d616e00a8aaf377b1aaf3772030f577bf02665f040000002d01010004000000f001
020008000000320a800246000200000046561c000000fb0280fe00000000000090010000
00020002001053796d626f6c0000440e0a9ca0f11200a8aaf377b1aaf3772030f577bf02
665f040000002d01020004000000f001010008000000320a80023011010000003d560800
0000320aa0023a1001000000f75608000000320ada033a1001000000f85608000000320a
aa013a1001000000f65608000000320aa002560801000000e75608000000320ada035608
01000000e85608000000320aaa01560801000000e65608000000320a8002000e01000000
d75608000000320a8002d609010000002b5608000000320a8002b602010000003d560a00
000026060f000a00ffffffff0100000000001c000000fb021000070000000000bc020000
00cc0102022253797374656d005fbf02665f00000a0021008a010000000001000000bcf3
1200040000002d01010004000000f0010200030000000000

Прибуток складає

866666,6667-800000=66666,6667 (грн.).

Задача 2. Тема: структура тарифної ставки

Розрахувати нетто-ставку і ризикову надбавку при введенні нового виду
страхування майна. Спостереження проводилися протягом 5 років з 2000 по
2004 р. Страхова відповідальність страховика в роки, що спостерігаються,
становить: 2000 р. — 800 тис. грн., 2001 р. — 700 тис. грн., 2002 р. —
750 тис. грн., 2003 р. — 840 тис. грн., 2004 р. — 900 тис. грн. Виплати
страхових відшкодувань по майновій групі у відповідні роки становлять:
2000 р. — 54 тис. грн., 2001 р. — 50 тис. грн., 2002 р. — 23 тис. грн.,
2003 р. — 99 тис. грн., 2004 р. — 80 тис. грн.

У задачі дати пояснення:

Що таке тарифна нетто-ставка?

Нетто-ставка (Тн) — як частина брутто-ставки, призначена для формування
страхового фонду, використовуваного для поточних страхових виплат і
створення страхових резервів.

Нетто-ставка (Тн) включає основну частину (Т0) і ризикову надбавку (Т ).

Основна частина нетто-ставки (Т0), що забезпечує формування страховиком
фонду коштів, використовуваних для поточних страхових виплат, створення
страхових резервів, математично являє собою ймовірність настання
страхового випадку або ймовірність завдання збитків.

Імовірність завдання збитків можна виразити через показник збитковості
страхової суми.

У зв’язку із цим основну частину нетто-ставки (Т0) у ризикових видах
страхування за наявності страхової статистики можна розрахувати як
середній за тарифний період показник збитковості страхової суми, тобто:
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,

де:

Уср — середній показник збитковості страхової суми за тарифний період Т;

Уt1, Уt2,… Т — показники збитковості страхової суми у відповідних
роках — t1, t2, …,T;

Т — тарифний період (кількість років).

У свою чергу, показник збитковості страхової суми в кожному t-му році
тарифного періоду визначається за формулою:
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,

де:
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 — сума
виплачених страхових відшкодувань по всіх об’єктах страхування в t-му
році тарифного періоду;
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 — сума
страхових сум по усіх n-об’єктах страхування в t-му році тарифного
періоду.

За рахунок ризикової надбавки (Тр) страховик формує кошти додаткового
страхового резерву, призначеного для покриття можливого збільшення
виплат страхових відшкодувань в окремі несприятливі роки (періоди) у
порівнянні із середніми виплатами за прийнятий тарифний період.

Ризикова надбавка визначається за формулою середньоквадратичного
відхилення, тобто
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,

де:

Уt — показники збитковості страхової суми у відповідних роках тарифного
періоду — t1, t2, …, T;

Уср — середній показник збитковості страхової суми за тарифний період Т.

За відсутності страхової статистики нетто-ставка в ризикових видах
страхування визначається або методом аналогії, або методом експертної
оцінки.
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picscalex990100090000036202000004001c00000000000500000009020000000005000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picscalex1000100090000036202000004001c0000000000050000000902000000000500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picscalex1000100090000036202000004001c0000000000050000000902000000000500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picscalex990100090000036202000004001c00000000000500000009020000000005000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picscalex1000100090000037702000003001c0000000000050000000902000000000500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 — нетто-ставка.
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- ризикова надбавка.

Задача 3. Тема: методика побудови одноразових нетто-ставок по
страхуванню на дожиття

Розрахувати річний брутто-тариф, щомісячну нетто-ставку й одноразову
нетто-премію за договором страхування на дожиття для особи у віці — 28
років, при терміну страхування — 15 років, страховій сумі — 45 тис.
грн., інвестиційному доході /нормі прибутковості/ від розміщення
тимчасово-вільних коштів страхових резервів — 6 складних річних
відсотків.

Навантаження в структурі тарифної ставки складають — 10%

У задачі дати пояснення:

Що таке нетто-ставка?

Нетто-ставка (Тн) — як частина брутто-ставки призначена для формування
страхового фонду, використовуваного для поточних страхових виплат і
створення страхових резервів.
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Брутто-ставка (Тб) при страхуванні на дожиття розраховується за
формулою:

picscalex100010009000003e701000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c022004c0121200000026060f001a00ffffffff000010000000c0ffffff
b8ffffff80120000d80300000b00000026060f000c004d617468547970650000e0000800
0000fa0200001000000000000000040000002d0100000500000014020002730305000000
130200028906050000001402000239080500000013020002d50c1c000000fb0280fe0000
000000009001000000000402001054696d6573204e657720526f6d616e00a8aaf377b1aa
f3772030f5772f0866d5040000002d01010009000000320a6002990f0400000034323533
08000000320a6002330f010000002c3208000000320a6002790e01000000303208000000
320a8c03470b02000000303608000000320a8c03e70a010000002c3608000000320a8c03
2d0a01000000303608000000320a8c03290801000000313609000000320a6e0197090400
00003339393808000000320a6e013d09010000002c3908000000320a6e01830801000000
303908000000320a8c0363030100000031391c000000fb0280fe00000000000090010000
00020002001053796d626f6c00007d0a0ab6a0f11200a8aaf377b1aaf3772030f5772f08
66d5040000002d01020004000000f001010008000000320a6002470d010000003d390800
0000320a8c031309010000002d3908000000320a6002fb06010000003d3908000000320a
8c034d04010000002d3908000000320a60023502010000003d391c000000fb0280fe0000
000000009001010000000402001054696d6573204e657720526f6d616e00a8aaf377b1aa
f3772030f5772f0866d5040000002d01010004000000f001020008000000320a8c03b505
0100000066391c000000fb0280fe0000000000009001010000cc0402001054696d657320
4e657720526f6d616e00a8aaf377b1aaf3772030f5772f0866d5040000002d0102000400
0000f001010008000000320a6e01290402000000d2ed08000000320a6002220001000000
d2ed1c000000fb0220ff0000000000009001010000cc0402001054696d6573204e657720
526f6d616e00a8aaf377b1aaf3772030f5772f0866d5040000002d01010004000000f001
020008000000320ac002200101000000e1ed0a00000026060f000a00ffffffff01000000
00001c000000fb021000070000000000bc02000000cc0102022253797374656d00d52f08
66d500000a0021008a010000000002000000bcf31200040000002d01020004000000f001
0100030000000000

де:

Тн — відповідна одноразова нетто-ставка по виду страхування;

f = Квд + Кпр — питома вага навантаження в структурі брутто-ставки:

Квд — норматив витрат на ведення справи;

Кпр — норматив прибутку.

Формула для розрахунку, наприклад, коефіцієнта розстрочки постнумерандо
виводиться шляхом використання наступного алгоритму розрахунку й
математичних залежностей між розглянутими в прикладі показниками:

Допускається, що до кінця кожного року страхування всі страхувальники
сплачують страховий внесок у розмірі 1 грн.

Загальна сума сплачених внесків наприкінці кожного року страхування
визначається множенням числа тих, що дожили (за таблицею смертності) до
вікової групи наступного року Lx+1 на 1 грн річного внеску.

Наприклад, для першого року страхування загальна величина сплачених
страхових внесків дорівнює Lx+11,0 = Lx+1. Для другого року — Lx+2, для
n-го року — Lx+n.

Сучасна вартість загальної суми сплачених всіма страхувальниками
наприкінці першого страхового року внесків визначається множенням суми
внесків — Lх+1 на дисконтуючий множник — V, тобто Lх+1V. Сучасна
вартість внесків другого року дорівнює — Lх+2V2, а n-го року — Lх+nVn.

Для кожної з осіб, що застрахувалися, величина сучасної вартості
загальної суми річних внесків за строк страхування n років зі сплатою їх
наприкінці кожного страхового року (па’х) визначається за формулою:

picscalex1000100090000036002000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02800400191200000026060f001a00ffffffff000010000000f0ffffff
b6fffffff0180000360400000b00000026060f000c004d617468547970650000f0000800
0000fa0200001000000000000000040000002d0100000500000014024002070405000000
13024002a1181c000000fb0220ff0000000000009001010000000402001054696d657320
4e657720526f6d616e00a8aaf377b1aaf3772030f577510d6627040000002d0101000800
0000320a2c04810e01000000787908000000320af500e817010000006e7908000000320a
01024e15010000006e7908000000320a01024f1401000000787908000000320a0102530b
01000000787908000000320a01020f0501000000787908000000320a0003c90101000000
787908000000320a00033d00010000006e791c000000fb0280fe00000000000090010100
00000402001054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030f577510d
6627040000002d01020004000000f001010008000000320acc039f0d010000004c790800
0000320aa101a71601000000567908000000320aa1016d13010000004c7908000000320a
a101a70d01000000567908000000320aa101710a010000004c7908000000320aa1013907
01000000567908000000320aa1012d04010000004c7908000000320aa002ee0001000000
61791c000000fb0280fe0000000000009001000000020002001053796d626f6c0000c50c
0a6540f11200a8aaf377b1aaf3772030f577510d6627040000002d01010004000000f001
020008000000320aa1012f1601000000d77908000000320aa1013b12010000002b790800
0000320aa101d70f010000002b7908000000320aa1012f0d01000000d77908000000320a
a1013f09010000002b7908000000320aa101c10601000000d77908000000320aa002c902
010000003d7908000000320a8a02c00101000000a2791c000000fb0220ff000000000000
9001000000020002001053796d626f6c0000900c0a0840f11200a8aaf377b1aaf3772030
f577510d6627040000002d01020004000000f001010008000000320a0102c21401000000
2b7908000000320a0102c60b010000002b7908000000320a01028205010000002b791c00
0000fb0280fe0000000000009001000000000402001054696d6573204e657720526f6d61
6e00a8aaf377b1aaf3772030f577510d6627040000002d01010004000000f00102000900
0000320aa101e510030000002e2e2e651c000000fb0220ff000000000000900100000000
0402001054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030f577510d6627
040000002d01020004000000f001010008000000320af500e80e01000000322e08000000
320a0102520c01000000322e08000000320af500610801000000312e08000000320a0102
f50501000000312e0a00000026060f000a00ffffffff0100000000001c000000fb021000
070000000000bc02000000cc0102022253797374656d0027510d662700000a0021008a01
00000000010000005cf31200040000002d01010004000000f0010200030000000000

де:

па’х — коефіцієнт розстрочки платежу постнумерандо являє собою сучасну
вартість річної ставки внеску в розмірі 1 грн при строку страхування п
років і нормі прибутковості i.
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picscalex100010009000003cd01000003001c0000000000050000000902000000000500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picscalex100010009000003b501000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02000460151200000026060f001a00ffffffff000010000000c0ffffff
a5ffffff20150000a50300000b00000026060f000c004d617468547970650000c0000800
0000fa0200001000000000000000040000002d01000005000000140220023d0405000000
13022002fa050500000014022002aa070500000013022002e60b1c000000fb0280fe0000
000000009001000000000402001054696d6573204e657720526f6d616e00a8aaf377b1aa
f3772030f577ab0c664a040000002d01010008000000320a80023e14020000002e290800
0000320a8002a41101000000282909000000320a8002a40e040000003030333408000000
320a8002440e010000002c3008000000320a80028a0d01000000303008000000320aac03
f90802000000313209000000320a8e01d808040000003034313908000000320a8e017808
010000002c3408000000320a8e01be0701000000303408000000320aac034c0402000000
31321c000000fb0280fe0000000000009001010000cc0402001054696d6573204e657720
526f6d616e00a8aaf377b1aaf3772030f577ab0c664a040000002d01020004000000f001
010009000000320a8002341203000000e3f0ed3908000000320a81013f0401000000d2f0
08000000320a8002220001000000d2f01c000000fb0220ff0000000000009001010000cc
0402001054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030f577ab0c664a
040000002d01010004000000f001020008000000320ae101410501000000edf009000000
320ae002310103000000ecb3f1391c000000fb0280fe0000000000009001000000020002
001053796d626f6c0000610c0a3ca0f11200a8aaf377b1aaf3772030f577ab0c664a0400
00002d01020004000000f001010008000000320a8002580c010000003db308000000320a
80026c06010000003db308000000320a8002ff02010000003db30a00000026060f000a00
ffffffff0100000000001c000000fb021000070000000000bc02000000cc010202225379
7374656d004aab0c664a00000a0021008a010000000001000000bcf31200040000002d01
010004000000f0010200030000000000 — щомісячна нетто-ставка.
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 — одноразова нетто-премія.

Задача 4. Тема: страхування відповідальності

Позичальник застрахував у страховій компанії кредит і відсотки за
користування кредитом з безумовної франшизи — 12%.

Визначити брутто-премію, що зобов’язаний сплатити страхувальник при
таких умовах: розмір позички — 8 млн. грн. ., плата за кредит — 30% у
рік, термін кредитного договору — 11 місяців, тарифна ставка — 17%

У задачі дати пояснення:

Що таке франшиза і її види?

Франшиза (Ф) — частина можливого збитку, що може бути нанесений майновим
інтересам страхувальника, не підлеглого відшкодуванню з боку страховика,
а таким, що залишається на відповідальності самого страхувальника.

Франшиза, обговорена в договорі страхування, дозволяє забезпечити
інтерес страхувальника в неушкодженості застрахованого майна й знизити
розмір сплаті страхового внеску.

Франшиза може бути встановлена в абсолютному розмірі в гривнях, або у
відсотках до страхової суми й оцінки об’єкта страхування, а також у
відсотках до величини можливого збитку.

Франшиза буває умовною й безумовною.

При умовній франшизі зобов’язання страховика за договором страхування не
виникають доти, поки розмір збитку не перевищить розміру франшизи. При
цьому страховик повністю компенсує фактичний розмір збитку незалежно від
величини франшизи. При безумовній франшизі, коли фактичний збиток
перевищує величину, установлену в договорі страхування, розмір страхової
виплати зменшується на величину встановленої договором франшизи.
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picscalex1000100090000032b02000003001c0000000000050000000902000000000500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picscalex100010009000003fa01000002001c0000000000050000000902000000000500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 —

брутто-премія, що зобов’язаний сплатити страхувальник.

Задача 5. Тема: методика побудови одноразових нетто-ставок із
страхування пенсії

Розрахувати одноразову тарифну нетто-ставку, щомісячну брутто-ставку та
одноразову брутто-премію при страхування на випадок смерті для особи
віком 38 років. Строк страхування 11 років. Страхова сума — 15 тис. грн.
Норма прибутковості 12 складних річних відсотків. Навантаження в
структурі брутто-ставки складає 10%.

Розв’язання

picscalex100010009000003b202000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c028004401b1200000026060f001a00ffffffff000010000000c0ffffff
b6ffffff001b0000360400000b00000026060f000c004d617468547970650000f0000800
0000fa0200001000000000000000040000002d0100000500000014024002610405000000
1302400217060500000014024002c7070500000013024002fc1a1c000000fb0220ff0000
000000009001010000000402001054696d6573204e657720526f6d616e00a8aaf377b1aa
f3772030f577941066f1040000002d01010008000000320af5006a1a0100000074790800
0000320a0102fe1701000000747908000000320a0102061701000000787908000000320a
0102350e01000000787908000000320a0102ce0801000000787908000000320a2c046905
01000000787908000000320a010269050100000078791c000000fb0220ff000000000000
9001010000cc0402001054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030
f577941066f1040000002d01020004000000f001010008000000320ad801b60102000000
e5e408000000320a0003240101000000ede41c000000fb0280fe00000000000090010100
00000402001054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030f5779410
66f1040000002d01010004000000f001020008000000320aa10130190100000056e40800
0000320aa10119160100000064e408000000320aa1015f100100000056e408000000320a
a101480d0100000064e408000000320aa1011c0a0100000056e408000000320aa101e107
0100000064e408000000320acc038704010000004ce408000000320aa1017c0401000000
64e41c000000fb0280fe0000000000009001010000cc0402001054696d6573204e657720
526f6d616e00a8aaf377b1aaf3772030f577941066f1040000002d01020004000000f001
010008000000320aa002220001000000d2e41c000000fb0280fe00000000000090010000
00020002001053796d626f6c000029110a81a0f11200a8aaf377b1aaf3772030f5779410
66f1040000002d01010004000000f001020008000000320aa101b81801000000d7e40800
0000320aa101f314010000002be408000000320aa1018f12010000002be408000000320a
a101e70f01000000d7e408000000320aa101220c010000002be408000000320aa101a409
01000000d7e408000000320aa0028906010000003de408000000320aa002230301000000
3de41c000000fb0220ff0000000000009001000000020002001053796d626f6c00008510
0a0aa0f11200a8aaf377b1aaf3772030f577941066f1040000002d01020004000000f001
010008000000320a01027917010000002be408000000320a0102a80e010000002be41c00
0000fb0280fe0000000000009001000000000402001054696d6573204e657720526f6d61
6e00a8aaf377b1aaf3772030f577941066f1040000002d01010004000000f00102000900
0000320aa1019d13030000002e2e2e651c000000fb0220ff000000000000900100000000
0402001054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030f577941066f1
040000002d01020004000000f001010008000000320af500a01101000000322e08000000
320a01021b0f01000000312e08000000320af500440b01000000312e0a00000026060f00
0a00ffffffff0100000000001c000000fb021000070000000000bc02000000cc01020222
53797374656d00f1941066f100000a0021008a010000000001000000bcf3120004000000
2d01010004000000f0010200030000000000

picscalex100010009000003af01000003001c0000000000050000000902000000000500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picscalex72010009000003df04000004001c00000000000500000009020000000005000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picscalex1000100090000038203000003001c0000000000050000000902000000000500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f = Квд + Кпр –

питома вага навантаження в структурі брутто-ставки:

Квд — норматив витрат на ведення справи;

Кпр — норматив прибутку.
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picscalex1000100090000032402000003001c0000000000050000000902000000000500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Задача 6. Тема: змішане страхування життя розрахунок страхових премій

Розрахувати одноразову брутто-ставку і щомісячний платіж, що повинне
внести особа у віці 55 років за договором змішаного страхування життя
при терміні страхування 4 років, при страховій сумі 10 тис. грн.
Прогнозована норма інвестиційної прибутковості страхової компанії 14% у
рік. Показник збитковості страхової суми по втраті працездатності від
нещасних випадків за останні 5 років відповідно становив: 0,03; 0,05;
0,04; 0,02; 0,05.

Витрати на ведення справи в структурі брутто-ставки складають 16%.
Витрати на попереджувальні заходи відповідно складають 9% Прибуток
закладений у розмірі — 5%.

У задачі дати пояснення:

Яка структура брутто — ставки в змішаному страхуванні життя?

Розв’язання
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,

де:

Тб — страховий тариф або брутто-ставка;

Тн — нетто-ставка;

f — питома вага навантаження в структурі брутто-ставки.
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picscalex990100090000038a01000002001c00000000000500000009020000000005000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picscalex99010009000003fd01000002001c00000000000500000009020000000005000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Квд — норматив витрат на ведення справи;

Кпм — норматив витрат на попереджувальні заходи;

Кпр — норматив прибутку.
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picscalex1000100090000038202000002001c0000000000050000000902000000000500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де:

dх, dx+1, dx+2,…, dx+t-1 — число вмираючих за строками страхування у
роках; V — множник (дисконт).

picscalex960100090000035e04000004001c00000000000500000009020000000005000
000020101000000050000000102ffffff00050000002e0118000000050000000b0200000
000050000000c02200640361200000026060f001a00ffffffff000010000000c0ffffffb
3ffffff00360000d30500000b00000026060f000c004d617468547970650000c0001c000
000fb0205fee300000000009001000000020002001053796d626f6c0000220f0a2890ef1
200a8aaf377b1aaf3772030f577971166cb040000002d01000008000000320a96039b080
100000028791c000000fb0205fee300000000009001000000020002001053796d626f6c0
0009c140a2a90ef1200a8aaf377b1aaf3772030f577971166cb040000002d01010004000
000f001000008000000320a9603750d01000000297908000000fa0200000800000000000
000040000002d0100000500000014020502880805000000130205027f0e1c000000fb020
5fee300000000009001000000020002001053796d626f6c0000220f0a2990ef1200a8aaf
377b1aaf3772030f577971166cb040000002d01020004000000f001010008000000320a9
60372130100000028791c000000fb0205fee300000000009001000000020002001053796
d626f6c00009c140a2b90ef1200a8aaf377b1aaf3772030f577971166cb040000002d010
10004000000f001020008000000320a96034c1801000000297905000000140205025f130
50000001302050280191c000000fb0205fee300000000009001000000020002001053796
d626f6c0000220f0a2a90ef1200a8aaf377b1aaf3772030f577971166cb040000002d010
20004000000f001010008000000320a9603151f0100000028791c000000fb0205fee3000
00000009001000000020002001053796d626f6c00009c140a2c90ef1200a8aaf377b1aaf
3772030f577971166cb040000002d01010004000000f001020008000000320a9603ef230
100000029790500000014020502021f050000001302050215251c000000fb0205fee3000
00000009001000000020002001053796d626f6c0000220f0a2b90ef1200a8aaf377b1aaf
3772030f577971166cb040000002d01020004000000f001010008000000320ab203b4290
100000028791c000000fb0205fee300000000009001000000020002001053796d626f6c0
0009c140a2d90ef1200a8aaf377b1aaf3772030f577971166cb040000002d01010004000
000f001020008000000320ab2038e2e0100000029790500000014020502a129050000001
3020502c22f08000000fa0200001000000000000000040000002d0102000500000014024
00414050500000013024004e22f1c000000fb0280fe00000000000090010000000004020
01054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030f577971166cb04000
0002d01030004000000f001010008000000320aa0049a35010000002c7909000000320aa
004a032040000003033343408000000320aa0044032010000002c3308000000320aa0048
6310100000030330a000000320acc0598180500000038313637390008000000320ab4030
22d02000000313408000000320ab403c62c010000002c3408000000320ab4030c2c01000
000303408000000320ab403022a01000000313408000000320a7301512c0100000031340
9000000320a65026b26040000003130383408000000320a9803632202000000313408000
000320a98032722010000002c3408000000320a98036d2101000000303408000000320a9
803631f01000000313408000000320a7301ab2101000000313408000000320a6502061e0
10000002a3409000000320a6502d61a040000003130313008000000320a9803c01602000
000313408000000320a98038416010000002c3408000000320a9803ca150100000030340
8000000320a9803c01301000000313408000000320a73010f16010000003134080000003
20a65026312010000002a3409000000320a6502f30f030000003933393008000000320a9
803e90b02000000313408000000320a9803ad0b010000002c3408000000320a9803f30a0
1000000303408000000320a9803e90801000000313408000000320a7301230b010000003
13408000000320a65028c07010000002a3409000000320a65021c0503000000383732301
c000000fb0220ff0000000000009001000000000402001054696d6573204e657720526f6
d616e00a8aaf377b1aaf3772030f577971166cb040000002d01010004000000f00103000
8000000320aec020d2f01000000343708000000320aec026724010000003337080000003
20aec02cb1801000000323708000000320aec02db0d0100000031371c000000fb0280fe0
000000000009001000000020002001053796d626f6c0000220f0a2da0f11200a8aaf377b
1aaf3772030f577971166cb040000002d01030004000000f001010008000000320aa0045
430010000003d3708000000320ab403ec2a010000002b3708000000320a65026f2501000
0002b3708000000320a98034d20010000002b3708000000320a6502da19010000002b370
8000000320a9803aa14010000002b3708000000320a6502d90e010000002b37080000003
20a9803d309010000002b3708000000320aa004d603010000003d371c000000fb0220ff0
000000000009001010000cc0402001054696d6573204e657720526f6d616e00a8aaf377b
1aaf3772030f577971166cb040000002d01010004000000f001030008000000320af403f
90202000000e5e408000000320ab204180201000000ece408000000320ad904450101000
000ede41c000000fb0280fe0000000000009001010000cc0402001054696d6573204e657
720526f6d616e00a8aaf377b1aaf3772030f577971166cb040000002d01030004000000f
001010008000000320aa004220001000000d2e40a00000026060f000a00ffffffff01000
00000001c000000fb021000070000000000bc02000000cc0102022253797374656d00cb9
71166cb00000a0021008a010000000001000000bcf31200040000002d01010004000000f
0010300030000000000

picscalex1000100090000033d02000003001c0000000000050000000902000000000500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picscalex990100090000036c02000003001c00000000000500000009020000000005000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,

picscalex920100090000032e04000004001c00000000000500000009020000000005000
000020101000000050000000102ffffff00050000002e0118000000050000000b0200000
000050000000c02200620381200000026060f001a00ffffffff000010000000c0ffffffb
3ffffffe0370000d30500000b00000026060f000c004d617468547970650000c0001c000
000fb0205fee300000000009001000000020002001053796d626f6c00001f0e0a6090ef1
200a8aaf377b1aaf3772030f577e21266d4040000002d01000008000000320a96035d070
100000028791c000000fb0205fee300000000009001000000020002001053796d626f6c0
000a6120ade90ef1200a8aaf377b1aaf3772030f577e21266d4040000002d01010004000
000f001000008000000320a9603370c01000000297908000000fa0200000800000000000
000040000002d01000005000000140205024a070500000013020502410d1c000000fb020
5fee300000000009001000000020002001053796d626f6c00001f0e0a6290ef1200a8aaf
377b1aaf3772030f577e21266d4040000002d01020004000000f001010008000000320a9
60360130100000028791c000000fb0205fee300000000009001000000020002001053796
d626f6c0000a6120adf90ef1200a8aaf377b1aaf3772030f577e21266d4040000002d010
10004000000f001020008000000320a96033a1801000000297905000000140205024d130
5000000130205026e191c000000fb0205fee300000000009001000000020002001053796
d626f6c00001f0e0a6390ef1200a8aaf377b1aaf3772030f577e21266d4040000002d010
20004000000f001010008000000320a96038d1f0100000028791c000000fb0205fee3000
00000009001000000020002001053796d626f6c0000a6120ae090ef1200a8aaf377b1aaf
3772030f577e21266d4040000002d01010004000000f001020008000000320a960367240
1000000297905000000140205027a1f05000000130205028d251c000000fb0205fee3000
00000009001000000020002001053796d626f6c00001f0e0a6490ef1200a8aaf377b1aaf
3772030f577e21266d4040000002d01020004000000f001010008000000320ab203b22b0
100000028791c000000fb0205fee300000000009001000000020002001053796d626f6c0
00019100af190ef1200a8aaf377b1aaf3772030f577e21266d4040000002d01010004000
000f001020008000000320ab2038c3001000000297905000000140205029f2b050000001
3020502c03108000000fa0200001000000000000000040000002d0102000500000014024
004a4020500000013024004e0311c000000fb0280fe00000000000090010000000004020
01054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030f577e21266d404000
0002d01030004000000f001010008000000320aa0048637010000002c7909000000320aa
0049834040000003836363308000000320aa0044434010000002c3608000000320aa0048
a330100000032360a000000320acc055c180500000038303830370008000000320ab4030
02f02000000313408000000320ab403c42e010000002c3408000000320ab4030a2e01000
000303408000000320ab403002c01000000313408000000320a73014f2e0100000031340
a000000320a650207270500000037373737340008000000320a9803db220200000031340
8000000320a98039f22010000002c3408000000320a9803e521010000003034080000003
20a9803db1f01000000313408000000320a730123220100000031340a000000320a6502e
81a0500000037383835380008000000320a9803ae1602000000313408000000320a98037
216010000002c3408000000320a9803b81501000000303408000000320a9803ae1301000
000313408000000320a7301fd150100000031340a000000320a6502bb0e0500000037393
836380008000000320a9803ab0a02000000313408000000320a98036f0a010000002c340
8000000320a9803b50901000000303408000000320a9803ab07010000003134080000003
20a7301e5090100000031340a000000320a6502ac02050000003830383037001c000000f
b0220ff0000000000009001000000000402001054696d6573204e657720526f6d616e00a
8aaf377b1aaf3772030f577e21266d4040000002d01010004000000f0010300080000003
20aec020b3101000000343008000000320aec02df2401000000333008000000320aec02b
91801000000323008000000320aec029d0c0100000031301c000000fb0280fe000000000
0009001000000020002001053796d626f6c000010140a7ca0f11200a8aaf377b1aaf3772
030f577e21266d4040000002d01030004000000f001010008000000320aa004523201000
0003d3008000000320ab403ea2c010000002b3008000000320a6502fd2a01000000d7300
8000000320a6502e725010000002b3008000000320a9803c520010000002b30080000003
20a6502d81e01000000d73008000000320a6502c819010000002b3008000000320a98039
814010000002b3008000000320a6502ab1201000000d73008000000320a65029b0d01000
0002b3008000000320a98039508010000002b3008000000320a6502a80601000000d7300
8000000320aa0046601010000003d301c000000fb0280fe0000000000009001010000000
402001054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030f577e21266d40
40000002d01010004000000f001030008000000320aa0043a000100000061300a0000002
6060f000a00ffffffff0100000000001c000000fb021000070000000000bc02000000cc0
102022253797374656d00d4e21266d400000a0021008a010000000003000000bcf312000
40000002d01030004000000f0010100030000000000

picscalex100010009000003c601000002001c0000000000050000000902000000000500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picscalex100010009000003a001000003001c0000000000050000000902000000000500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picscalex100010009000003bc01000003001c0000000000050000000902000000000500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picscalex100010009000003f801000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02400480131200000026060f001a00ffffffff000010000000c0ffffff
a5ffffff40130000e50300000b00000026060f000c004d617468547970650000e0000800
0000fa0200001000000000000000040000002d0100000500000014022002900405000000
13022002a607050000001402200256090500000013022002980d1c000000fb0280fe0000
000000009001000000000402001054696d6573204e657720526f6d616e00a8aaf377b1aa
f3772030f5773a0866cf040000002d01010009000000320a800250100400000033353232
08000000320a8002f60f010000002c3508000000320a80023c0f01000000303508000000
320aac039a0c01000000333508000000320aac03400c010000002c3508000000320aac03
860b01000000303508000000320aac03820901000000313509000000320a8e018a0a0400
00003234363608000000320a8e01240a010000002c3408000000320a8e016a0901000000
303408000000320aac0380040100000031341c000000fb0280fe00000000000090010000
00020002001053796d626f6c000096030a2da0f11200a8aaf377b1aaf3772030f5773a08
66cf040000002d01020004000000f001010008000000320a80020a0e010000003d340800
0000320aac036c0a010000002d3408000000320a80021808010000003d3408000000320a
ac036a05010000002d3408000000320a80025203010000003d341c000000fb0280fe0000
000000009001010000000402001054696d6573204e657720526f6d616e00a8aaf377b1aa
f3772030f5773a0866cf040000002d01010004000000f001020008000000320aac03d206
0100000066341c000000fb0280fe0000000000009001010000cc0402001054696d657320
4e657720526f6d616e00a8aaf377b1aaf3772030f5773a0866cf040000002d0102000400
0000f001010008000000320a81012e0501000000d23408000000320a8002220001000000
d2341c000000fb0220ff0000000000009001010000cc0402001054696d6573204e657720
526f6d616e00a8aaf377b1aaf3772030f5773a0866cf040000002d01010004000000f001
020008000000320ae101510601000000ed3409000000320ad4012c0203000000f0b3f736
08000000320a9202410101000000e1b30a00000026060f000a00ffffffff010000000000
1c000000fb021000070000000000bc02000000cc0102022253797374656d00cf3a0866cf
00000a0021008a010000000002000000bcf31200040000002d01020004000000f0010100
030000000000

picscalex100010009000003b501000003001c0000000000050000000902000000000500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picscalex1000100090000030902000003001c0000000000050000000902000000000500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Задача 7. Тема: фінансова стійкість страхових операцій

Зробити порівняльний аналіз фінансової стійкості двох страхових компаній
шляхом розрахунку ступеня імовірності дефіцитності засобів у
майбутньому, якщо відомо: тарифні ставки за видами страхування в
майновій групі /страхування будівель, страхування домашнього майна,
страхування транспорту, страхування вантажів/ відповідно по компаніях
складають:

Т1% — тарифні ставки за 4-ма видами страхування в першій страховій
компанії: будівлі — 2,3; майно — 5,1; транспорт — 11,0; вантажі — 8,0 і
Т2% — тарифні ставки за 4-ма видами страхування в другій страховій
компанії: будівлі — 1,5; майно — 5,3; транспорт — 11,0; вантажі — 9,0.

Кількість застрахованих об’єктів за підвидами майнової групи по
компаніях складають:

N1 шт. — кількість застрахованих об’єктів за видами страхування в першій
страховій компанії: будівлі — 456; майно — 1906; транспорт — 1234;
вантажі — 678 і N2 шт. — кількість застрахованих об’єктів за видами
страхування в другій страховій компанії: будівлі — 520; майно — 11765;
транспорт — 3195; вантажі — 910.

Розв’язання
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,

де:

Тсер — середня тарифна ставка по всім договорам страхування;

N — число застрахованих об’єктів;

К — коефіцієнт Ф.В. Коньшина.
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picscalex1000100090000036602000004001c0000000000050000000902000000000500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picscalex100010009000003d301000003001c0000000000050000000902000000000500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picscalex990100090000036702000004001c00000000000500000009020000000005000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 — вища фінансова стійкість.

Задача 8. Тема: ексцедентне перестрахування

Страхова компанія уклала договори майнового страхування за трьома
однорідними групами ризиків. Страхова відповідальність з цих групах
ризиків склала — 22, 32, 17 млн. грн. Тарифні ставки за групами ризиків
складали — 1,5%, 2,0%, 3,0%. За умовами договору ексцедентного
перестрахування власне утримання цедента встановило — 12 млн. грн.

Визначити участь цесіонарія в перестрахувальних преміях з кожної групи
ризиків і участь цесіонарія у виплатах страхових відшкодувань, якщо
збитки за укладеними договорами становили відповідно — 12, 8, 4 млн.
грн.

У задачі дати пояснення:

Що таке ексцедентне перестрахування й у чому полягає його сутність?

Розв’язання.

Ексцедентне перестрахування передбачає, що цедент (страховик,
перестрахувальник) передає, а перестраховик (цесіонарій) приймає в
перестрахування тільки ті договори страхування, страхова сума за якими
перевищує обговорену величину (розмір власного утримання, або пріоритет
цедента). Під власним утриманням цедента розуміється та частина
страхової суми або страхових виплат, відповідальність за які залишається
на перестрахувальнику. Під часткою, переданої в перестрахування,
розуміється та частина страхової суми або страхових виплат,
відповідальність за які несе перестраховик.

Відношення частки відповідальності страховика, переданої в
перестрахування, до відповідальності, узятої страховиком за договором
страхування, називається коефіцієнтом перестрахування.

Страхова премія:
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,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,
picscalex1000100090000035601000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c022002a0121200000026060f001a00ffffffff000010000000c0ffffff
a6ffffff60120000c60100000b00000026060f000c004d61746854797065000050001c00
0000fb0280fe0000000000009001000000000402001054696d6573204e657720526f6d61
6e00a8aaf377b1aaf3772030f577ec096677040000002d0100000a000000320a8001ee0d
060000003634303030300b000000320a80015c0608000000333230303030303008000000
320a8001d60401000000323208000000320a80017004010000002c3208000000320a8001
b6030100000030321c000000fb0220ff0000000000009001000000000402001054696d65
73204e657720526f6d616e00a8aaf377b1aaf3772030f577ec096677040000002d010100
04000000f001000008000000320ae0017d010100000032321c000000fb0280fe00000000
00009001000000020002001053796d626f6c0000df0a0a4040f11200a8aaf377b1aaf377
2030f577ec096677040000002d01000004000000f001010008000000320a8001bc0c0100
00003d3208000000320a8001cc0501000000d73208000000320a80018402010000003d32
1c000000fb0280fe0000000000009001010000cc0402001054696d6573204e657720526f
6d616e00a8aaf377b1aaf3772030f577ec096677040000002d01010004000000f0010000
08000000320a80014c0001000000cf320a00000026060f000a00ffffffff010000000000
1c000000fb021000070000000000bc02000000cc0102022253797374656d0077ec096677
00000a0021008a0100000000000000005cf31200040000002d01000004000000f0010100
030000000000

picscalex1000100090000035601000002001c0000000000050000000902000000000500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Коефіцієнт перестрахування:

picscalex990100090000035001000003001c00000000000500000009020000000005000
000020101000000050000000102ffffff00050000002e0118000000050000000b0200000
000050000000c02e00360081200000026060f001a00ffffffff000010000000c0ffffffb
8ffffff20080000980300000b00000026060f000c004d617468547970650000c00008000
000fa0200001000000000000000040000002d01000005000000140200028a04050000001
302000212081c000000fb0280fe0000000000009001010000000402001054696d6573204
e657720526f6d616e00a8aaf377b1aaf3772030f577de0f66af040000002d01010008000
000320a8c03e50501000000537908000000320a6e01ea0601000000437908000000320a6
e01aa040100000053791c000000fb0280fe0000000000009001010000cc0402001054696
d6573204e657720526f6d616e00a8aaf377b1aaf3772030f577de0f66af040000002d010
20004000000f001010008000000320a6002460001000000ca791c000000fb0220ff00000
00000009001010000cc0402001054696d6573204e657720526f6d616e00a8aaf377b1aaf
3772030f577de0f66af040000002d01010004000000f001020009000000320ac0026c010
3000000efe5f0651c000000fb0280fe0000000000009001000000020002001053796d626
f6c000093130a8fa0f11200a8aaf377b1aaf3772030f577de0f66af040000002d0102000
4000000f001010008000000320a6e01d605010000002de508000000320a60024c0301000
0003de50a00000026060f000a00ffffffff0100000000001c000000fb021000070000000
000bc02000000cc0102022253797374656d00afde0f66af00000a0021008a01000000000
1000000bcf31200040000002d01010004000000f0010200030000000000

picscalex100010009000003a601000003001c0000000000050000000902000000000500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picscalex100010009000003a601000003001c0000000000050000000902000000000500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picscalex99010009000003a601000003001c00000000000500000009020000000005000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Визначаємо участь перестрахувальника в перестрахувальних преміях:
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picscalex990100090000038301000002001c00000000000500000009020000000005000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picscalex1000100090000038301000002001c0000000000050000000902000000000500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picscalex1000100090000038301000002001c0000000000050000000902000000000500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Визначаємо участь цесіонарія у виплатах страхових відшкодувань:

picscalex1000100090000031701000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c026002e0081200000026060f001a00ffffffff000010000000c0ffffff
a6ffffffa0080000060200000b00000026060f000c004d61746854797065000070001c00
0000fb0220ff0000000000009001010000cc0402001054696d6573204e657720526f6d61
6e00a8aaf377b1aaf3772030f577b611660d040000002d01000009000000320ae0016007
03000000efe5f06509000000320ae001360103000000efe5f0651c000000fb0280fe0000
000000009001010000cc0402001054696d6573204e657720526f6d616e00a8aaf377b1aa
f3772030f577b611660d040000002d01010004000000f001000008000000320a80013a06
01000000cae508000000320a80012a0401000000d3e508000000320a8001460001000000
c2e51c000000fb0280fe0000000000009001000000020002001053796d626f6c00007b14
0a2740f11200a8aaf377b1aaf3772030f577b611660d040000002d01000004000000f001
010008000000320a8001920501000000d7e508000000320a80011603010000003de50a00
000026060f000a00ffffffff0100000000001c000000fb021000070000000000bc020000
00cc0102022253797374656d000db611660d00000a0021008a0100000000010000005cf3
1200040000002d01010004000000f0010000030000000000

picscalex1000100090000038501000002001c0000000000050000000902000000000500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picscalex1000100090000038501000002001c0000000000050000000902000000000500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picscalex1000100090000038501000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c026002a0151200000026060f001a00ffffffff000010000000c0ffffff
a6ffffff60150000060200000b00000026060f000c004d61746854797065000070001c00
0000fb0280fe0000000000009001000000000402001054696d6573204e657720526f6d61
6e00a8aaf377b1aaf3772030f577b00b6677040000002d0100000b000000320a80012910
07000000313137363430300009000000320a8001d90b040000003239343108000000320a
8001730b010000002c3908000000320a8001b90a0100000030390b000000320a8001ad04
0700000034303030303030001c000000fb0260ff00000000000090010000000004020010
54696d6573204e657720526f6d616e00a8aaf377b1aaf3772030f577b00b667704000000
2d01010004000000f001000008000000320a180278020100000033301c000000fb0280fe
0000000000009001000000020002001053796d626f6c00000a170a0ea0f11200a8aaf377
b1aaf3772030f577b00b6677040000002d01000004000000f001010008000000320a8001
1b0f010000003d3008000000320a8001230a01000000d73008000000320a800175030100
00003d301c000000fb0220ff0000000000009001010000cc0402001054696d6573204e65
7720526f6d616e00a8aaf377b1aaf3772030f577b00b6677040000002d01010004000000
f001000009000000320ae001350103000000efe5f0301c000000fb0280fe000000000000
9001010000cc0402001054696d6573204e657720526f6d616e00a8aaf377b1aaf3772030
f577b00b6677040000002d01000004000000f001010008000000320a8001460001000000
c2e50a00000026060f000a00ffffffff0100000000001c000000fb021000070000000000
bc02000000cc0102022253797374656d0077b00b667700000a0021008a01000000000100
0000bcf31200040000002d01010004000000f0010000030000000000

Задача 9. Тема: системи відповідальності в майновому страхуванні

Майно підприємства вартістю 30 тис. грн. застраховано за системою
пропорційної відповідальності на суму 17 тис. грн.

Розрахувати суму збитку, при якій страхове відшкодування буде складати
10 тис. грн.

У задачі дати пояснення:

Що таке система пропорційної відповідальності?

Система страхової відповідальності обумовлює співвідношення страхової
суми застрахованого майна і фактичного збитку.

У практиці страхування застосовуються такі системи страхової
відповідальності: система дійсної вартості; система пропорційної
відповідальності; система першого ризику; система відбудовної вартості;
система граничної відповідальності.

Страхування з системи пропорційної відповідальності означає неповне
страхування вартості об’єкта і величина страхового відшкодування в цьому
випадку визначається як добуток збитку на співвідношення страхової суми
до страхової оцінки об’єкта страхування. Формула розрахунку страхового
відшкодування з пропорційної системи подана в конспекті лекцій.

Страхування з системи першого ризику передбачає виплату страхового
відшкодування в розмірі збитку, але в межах страхової суми.

Збиток у межах страхової суми називається першим або ризиком, що
відшкодовується. Збиток понад страхової суми називається другим або
ризиком, що не відшкодовується.

Розв’язання
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,

де:

B — страхове відшкодування;

У — сума збитку;

S — страхова сума;

Co — страхова оцінка.
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,
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Відповідь: сума збитку дорівнює 5666,66 грн.

Задача 10. Тема: майнове страхування

Підприємство застрахувало своє майно на 1 рік з відповідальністю від
протиправних дій третіх осіб на суму — 200 тис. грн. За умовами
страхування нетто-ставка становить — 0,2%, умовна франшиза становить —
8% і при цьому знижка з тарифу складає — 9%. Навантаження в структурі
тарифної ставки визначена в розмірі — 15%. У результаті протиправних дій
підприємству нанесений матеріальний збиток у розмірі — 25 тис. грн.

Визначити розмір страхової премії, що зобов’язаний сплатити
страхувальник і розмір страхового відшкодування, що одержить
страхувальник.

Розв’язання
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,
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де:

Тб — страховий тариф або брутто-ставка;

Тн — нетто-ставка;

f — питома вага навантаження в структурі брутто-ставки.
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Відповідь: так як франшиза (16000 грн.) більше ніж фактичний збиток
(25000 грн.), то страхувальник зобов’язаний сплатити страхову премію.

Список використаної літератури

1. Закон України «Про страхування» Відомості Верховної Ради України.
1996 р.,№18.

2. Закон України „Про внесення змін до Закону України „Про страхування».

3. Шихов А.К. СТРАХОВАНИЕ: Учеб. пособие для вузов. — М.: ЮНИТИ — ДАНА,
2000 — 431с.

4. Шахов В.В. СТРАХОВАНИЕ. Учебник для вузов. М.: Страховой полис ЮНИТИ.
1997.

5. СТРАХОВОЕ ДЕЛО В ВОПРОСАХ И ОТВЕТАХ. Учебное пособие. Ростов-на-Дону,
«Феникс», 1999.

6. Рябикин В.И. АКТУАРНЫЕ РАСЧЕТЫ. М.: Фистатинформ, 1996.

7. Внукова Н.М., Успаленко В.І., Временко Л.В. СТРАХУВАННЯ: ТЕОРІЯ ТА
ПРАКТИКА. Навчально-методичний посібник. — Харків: Бурун Книга, 2004, —
376 с.

8. Залєтов О.М. СТРАХУВАННЯ: Навчальний посібник. К.: Міжнародна агенція
„Bee Zone”, 2003. — 320 с.

Добавить комментарий

Ваш e-mail не будет опубликован. Обязательные поля помечены *