Can insurance transfer risk? What kind of risk is transferred?

Insurance transfer refers to the transfer of risk to the insurance company (insurer) through the conclusion of an insurance contract. When an individual is faced with a risk, he or she can pay a certain amount of insurance premium to the insurer to transfer the risk. Once the anticipated risk occurs and the loss is caused, the insurer must pay financial compensation within the scope of liability stipulated in the contract.

Because of the many advantages of insurance, transferring risk through insurance is the most common form of risk management. It is important to point out that not all risks can be transferred through insurance, so certain conditions must be met for insurable risks.

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There is a very close relationship between insurance and risk, and there is no insurance without risk. As one of the risk transfer methods, insurance has long been regarded as an effective means of dealing with risks and an exquisite social stabilizer. Through insurance, people transfer the concentrated risks that they cannot bear on their own to the insurers, and spend less premiums in exchange for economic protection for huge risks, making insurance the best barrier for people to prevent risks.

First, the definition of risk transfer is clarified: it is the transfer of some or all of the negative effects of a risk to a third party, along with the responsibility for responding to it. Common methods of risk transfer include insurance, performance bonds, guarantees and guarantees.

Contracts can be used to transfer certain specific risks to another party.

Buying insurance is a common way to transfer riskJust like buying medical insurance in advance, you can transfer the sudden financial risk of yourself or your relatives and friends to the insurance company to cover the risk fee with the claim amount. A transfer risk strategy is most effective in dealing with the financial consequences of risk. With a risk transfer strategy, it is almost always necessary to pay a risk fee to the staker.

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For example, serious illness, personal accident, vehicle safety, property safety, and breeding can all be transferred by purchasing insurance.

Critical illness and accidents are risks that may occur, and we are not sure when they will come, and once such risks occur, we need to bear a large cost. Insurance is designed to pass on the risks that may occur to us without affecting our living standards. There are many ways to pass it on through insurance:

For example, children's education funds, pension reserves, health risks, capital accumulation, asset preservation and inheritance, reasonable distribution of marital property, inheritance rights and bonds, etc.

Because the meaning of buying insurance is to transfer the risks around us, life is very fragile, and people's lives are not peaceful. Risks and accidents can occur at any time. In the event of an accident, it can cause huge losses.

Insurance is all about reducing losses. The function of insurance can protect against illness, accidents, medical and pension risks.

The specific meaning and function of insurance:

1. It can reliably guarantee the life of the elderly.

Older people have reduced physical functioning and are no longer able to work as they did when they were younger, and it is difficult to maintain a normal quality of life if they do not have enough living expenses. Raising children to prevent old age is the traditional old-age thinking of Chinese, but modern society is fiercely competitive, stability is not easy, and it is unknown whether children will have the ability to care for the elderly when they grow up. But insurance is different, it can at least guarantee everyone a **, pay insurance premiums as if accumulating alimony for yourself, to a certain period of time you can receive a pension in accordance with the provisions of the insurance contract, to ensure that life in old age is worry-free.

2. Strong protection in case of illness and disability.

In the journey of life, diseases and accidents are the most unpredictable. In the event of an accident, illness and disability will encroach on labor, resulting in reduced or deprived income, and the ensuing high medical expenses will increase the burden on the economy. The purchase of life insurance can supplement the lack of social security, reimburse the part that cannot be insured by social security, provide economic security for the insured when he is sick and disabled, and can get effective ** when an accident causes illness and disability, so as to avoid the phenomenon that the quality of life of the whole family is not guaranteed when one person is sick or the family returns to poverty.

3. It has the function of saving and taking precautions.

Saving is both a means of preparation and a means of accumulation, which plays a role in preparing for a rainy day. They are all the actual needs of modern people, usually the insurance premium payment method is generally divided into annual and monthly payment, some products in the expiration of the insurance period, to meet the conditions of the insured insurance company will return the premium paid in proportion. It is equivalent to saving, and it is also a virtue to be able to get your money back, and it is a preparation for a happy life in the future.

4. Insurance usually has three functions: economic compensation, financial integration and social management functions, which are organically linked.

1) The function of economic compensation is the basic function and the most obvious feature that distinguishes insurance from other industries;

2) The financing function is generated on the basis of the economic compensation function;

3) The social management function is an important function of the insurance industry after it has developed to a certain extent and penetrated into many levels of social life, and it can only play a role after the economic compensation function and the financing function are realized.

Insurance is essentially a tool to transfer risks, it has no way to prevent diseases, or to avoid accidents, it is not a risk, pay a small amount of premiums, gather the strength of everyone, and transfer the risk when an accident occurs, such as millions of medical insurance, with a premium of a few hundred yuan a year to get millions of protection. There's no tool that can do that.

But can you sit back and relax when you buy it? Not!

You also have to buy the right type of insurance and buy enough amount!

1. Choose the right guarantee product for the problem.

It is recommended to pay for cancer, critical illness and critical injury insurance, supplemented by reimbursement hospitalization medical insurance, with savings insurance and accident insurance.

2. The sum insured must be sufficient.

If the disease** requires 1 million, it is impossible to buy cancer insurance with only 100,000 sum insured, so the sum insured should be sufficient. Under the same sum insured, the regular premium will be lower than that for life, and if the economic conditions do not allow, the priority is to take term insurance to plan the insurance, and after the economy improves, the whole life insurance will be gradually increased.

3. Do a good job of financial planning and increase assets.

From now on, do financial planning and continue to accumulate assets with compound interest, so that if the insurance benefits are not good in the later stage, you can also rely on your own strength to tide over the difficulties.

Reasonable tax avoidance is actually far away from the public, and it is necessary to design the insurance structure and only some specific products can achieve it, and the cash value of many products is executable, and there are precedents.

My understanding of risk transfer is that insurance is to use a certain expenditure to hedge the risk of something that may happen in the future, and how much risk can be hedged is also certain, that is, it has leverage. For example, I use an annual premium of 3,000 to pay for 30 consecutive years, hedging the risk of illness or death of 200,000 yuan for life.

For example, use 200 yuan per year to hedge 500,000 accidental risks and so on.

The reason why life is scary is that you don't know anything about what will happen in the future, and you don't know when the risk will come, and insurance is a way to hedge against various diseases, accidental death, disability, bankruptcy, and so on.

Probably so.

There are many ways to transfer risk, and insurance is one of the important means of risk transfer.

For the health of you and your family, buy an insurance policy to protect you and your family from the elements.

Because insurance protects one's future with the least amount of money, and insurance is not taxable, even if it is bankrupt, insurance can be insolvent.

Insurance is to transfer the risk of life, and the best option is that insurance can protect your personal safety.

Because if you buy insurance, you will have a certain amount of living security when you are retired and do not have to cause trouble to your children.

When you buy insurance, you transfer the risk of your life to the insurance company.

Risk transfer refers to a way of transferring risk to another person or entity through contractual or non-contractual means. Transfer of risk is the transfer of the assumption of the loss caused by the risk, and in the international sale of goods, it specifically means that the risk of the goods originally borne by the seller is transferred to the buyer at some point. In the absence of an agreement between the parties, the main issue with the transfer of risk is when the risk is transferred from the seller to the buyer.

Basic Principles of Risk Transfer:

Precondition. There is an agreement as agreed, and there is no agreement to deliver the transfer.

Constituent Elements. Movable property: the sale and purchase contract comes into force Delivery = transfer of risk.

Immovable property: Entry into force of the sale and purchase contract (delivery) possession = transfer of risk.

Rules for the delivery of movable property:

1.Delivered directly to the buyer and at the buyer's expense after delivery.

2.The subject matter is transported by a third party. Delivery to the first carrier, that is, delivery (including consignment by the seller, delivery to the first carrier is deemed to be delivery) shall be borne by the buyer.

3.Easy delivery. When the contract comes into force, it is deemed to have been delivered, and the responsibility for the subsequent risks is borne by the buyer.

4.Buying and selling of goods in transit. When the contract is in force, the risk is transferred; If the subject matter has been damaged or lost before the contract comes into effect, the seller shall bear the responsibility.

5.One party breaches the contract first. The defaulting party bears.

Special contract risk questions - belong to the owner.

1. Borrowing, leasing, custody and pledge contracts: belonging to the owner.

2. Trial trading: during the trial period, it will be returned to the seller; After the expiration of the trial period, it is expressly not purchased and belongs to the seller.

After an enterprise suffers a loss, other institutions shall bear the financial consequences of the loss or pay compensation.