Insurance calculation problem, a problem for calculating insurance premiums

The general process for mainland customers to purchase insurance in Hong Kong is as follows:1You can first communicate with the company's financial advisor, and note that it is a real financial advisor registered with the Hong Kong Insurance Regulatory Commission.

After communication and understanding of the situation, the financial consultant will issue a plan, and then exchange views with the customer, explain the plan, and if necessary, modify the plan according to the customer's feedback and needs, and finalize it. 2.Once you have decided on your plan, you can arrange a time to make an appointment with your financial advisor to sign your plan in Hong Kong.

Apply for a Hong Kong and Macao Permit to Hong Kong. Please note that any insurance outside of Hong Kong** and contracted insurance is called an "underground policy" and is not protected by law, please be sure to go to Hong Kong to sign up in person; 3.After arriving at the company, I will fill in the application information that needs to be submitted with the financial consultant in the company, and then...

1.Generally, the car does not belong to the scope of the subject matter of the enterprise's property insurance and should be excluded from the loss amount. Here is the shortfall - the insurance --- that is, the value of the subject matter of the insurance is greater than the insured amount at the time of the accident.

Deficiency insurance is paid in proportion to the insured amount to the insured value. The amount of compensation (not counting the deductible) is [50 + 50] * 1000 2000 = 50 yuan. 2.

Automobiles are special fixed assets, which are generally not current assets, and do not fall within the scope of the subject matter of enterprise property insurance. In general, the salvage value should be deducted from the loss division. This is also the undercover insurance, which is compensated in proportion to the insured amount to the insured value.

Therefore, the compensation should be [60-10]*100 200=250,000 yuan. If the insured chooses to let the insurance company ** the residual value, the residual value will not be deducted from the loss. At this time, the compensation is 60 * 100 200 = 300,000 yuan.

However, if the damaged car is a commodity operated by the enterprise, then it is a current asset and falls within the scope of the enterprise's property insurance (which must be agreed at the time of insurance). In this case, the compensation should be (20 + 60-10) * 100 200 = 350,000 yuan.

According to the provisions of the Compensation Treatment Chapter of the "Property Comprehensive Insurance Clause", when the insured amount is lower than the insured value, the compensation shall be calculated according to the ratio of the insured amount to the insured value multiplied by the actual loss, and the maximum shall not exceed the insured amount; The formula for this case is: 600x (4800 divided by 6000) = 4.8 million yuan.

There are many factors that can be considered in insurance claims and litigation practice, and the above is only the calculation method of the theoretical manuscript for reference!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"Praise to the pit muffled"

Company A only contracted the car damage insurance, then only pay for the car damage, Honghong because of the main responsibility = 280,000 * car type so the liability 80% * (1-15% main liability deductible) = 190,400

1. Any unit that fails to pay and withhold social insurance premiums in accordance with the provisions of the "Interim Regulations on the Collection and Payment of Social Insurance Premiums" shall be charged a late fee of the outstanding amount 2 on a daily basis from October 1, 2007.

2. Self-employed workers, their employees, flexibly employed persons and employees who have lost insurance shall pay all the outstanding basic pension insurance premiums and basic medical insurance premiums before December 31, 2007, and shall be exempted from late fees; Anyone who fails to pay the pension insurance and medical insurance premiums for 2007 and previous years after January 1, 2008 will be charged a late fee for the arrears of the two insurance premiums for 2007 and subsequent years from January 1, 2008.

3. If the person refuses to pay social insurance premiums or late fees within the time limit, the labor department or the local taxation authority shall apply to the people's court for compulsory collection in accordance with law.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The loss of Party A's car is 23000 + 400-280 = 23120, Party B's car lost 1800. Two cars altogether.

Party A shall first compensate Party B 1800 by compulsory insurance. If Party A's own car is covered by car damage insurance, its insurance company will pay a part of his own car (23000+400-280)*70%=16184

Party B merges: Party A will be compensated 2,000 yuan by the compulsory insurance, and if Party B is covered by commercial third-party insurance, the insurance company will pay the rest of Party A (23000+400-280)*30%-2000=4936.

Extended reading: How to buy Mengku's [insurance], which is better, and teach you to avoid these insurances"pits"

Pro-rata apportionment. A 50 (50 + 30) * 40 = 250,000.

B 30 (50 + 30) eggplant which * 40 = 150,000.

Sequential liability compensation Biqiao: A pays 400,000 yuan and B pays 0 yuan.

Limit liability: A 40 (40 + 30) * 40 = 10,000.

B 30 (40+30)*40=10,000.

Expand the wisdom code exhibition to read: [insurance] how to buy, which is good, teach you to avoid these insurance"pits"

Hello, this first depends on the amount of insurance funds, 80,000 + 100,000 insurance is greater than 130,000 asset price Bai value, which is full insurance, so according to the loss of 90,000 into the bank, the two companies will pay compensation according to the insurance ratio. The ratio of Company A is 8 18 and the ratio of Company B is 10 18.

The amount of compensation for a is 9 * 8 18 = 40,000.

The amount of compensation for B is 9 * 10 18 = 50,000.

1. Calculation formula: loss of 800,000 underinsured (1.8 million 2 million) + 100,000 rescue fee = 820,000.

2. Calculation formula: Car B only insures 500,000 third-party insurance. Car A (180,000 car loss + 20,000 cargo loss) Liability 40% deductible (1-5%) = 10,000.

(1) For now.

Bai said that it is generally advisable to spend 10 to 20 percent of an individual's annual income on insurance. However, this DAO is not absolute, those with high ** people can answer to increase the proportion appropriately, and those with lower incomes can reduce the proportion. (2) The expected standard of living of the policyholder after retirement.

Since the cost of social activities and other expenses has decreased after retirement, the cost of daily social activities is about 70 80 yuan before retirement, but the cost of medical care has increased unabated, so it is advisable to prepare in advance for emergency needs. (3) Consider the different needs of different stages of life. Each stage of life will face changes in protection needs, and policyholders should design and purchase different insurance products at different stages.

The first is the stage of working hard for your career when you are young: when you first enter the society and have income, you should raise your own premiums to avoid injuring your elders after misfortune. Therefore, the purchase of insurance should be based on death and disability protection.

The second is the stage of family responsibilities after starting a family: this stage is the most in need of protection. Anyone in the family can cause financial problems for the family.

It is advisable to purchase serious illness and accident insurance. In addition, pension insurance should also be taken into account, otherwise, it will be too late when you are old.

It's been many years since I graduated, but I can still do this kind of topic.

Question 1: 180 200 * (80 + 10) = self-counting.

Question 2: The example question is on page 252 of "Principles and Practice of Insurance", the same, read it yourself.

Wang has a house worth 200,000 yuan. On March 2, 1999, Wang's unit insured all employees in Company A.

Home property insurance, the sum insured per person is 150,000 yuan. On April 1 of the same year, Wang's wife, Li's unit, purchased home property insurance with an insurance amount of 100,000 yuan for each employee from Company B. On December 2, 1999, Wang's house caught fire and lost 10,000 yuan.

According to the proportional responsibility system, how much compensation should be shared by each insurance company.

This topic seems to be very troublesome, but in fact, it is very simple as you analyze it:

There are three insureds and two beneficiaries, the three insureds are Zhang, his father, and Zhang's daughter, and the insurance amount is 64,006,000 respectively. The two beneficiaries are Zhang's wife and Zhang's mother. Zhang's father-in-law is not among the beneficiaries, but he can still get a part of the money (note that it is money, not the claim payment).

Let's take a look at the beneficiary order, according to the provisions of the policy clearly designated beneficiary, the insurance money should be paid to the designated beneficiary, if there is no clear designation, according to the legal beneficiary order, the insurance money will be divided equally by each beneficiary.

In the case of Zhang, since he did not designate a beneficiary, then his first beneficiary is his immediate family member, including, parents, children, and spouse. In this order, there are Zhang's mother and his wife, so the two divided the claim money equally, each received 30,000 yuan, and Zhang's wife later died due to excessive grief, so Zhang's wife's 30,000 yuan claim money was inherited by Zhang's father-in-law as her inheritance.

For Zhang's father, since he did not designate a beneficiary, he paid the insurance claim in the same way as Zhang, and Zhang's father's primary beneficiary was his parents, children, and spouse. Among them, only the spouse is still alive, so all the 60,000 yuan compensation should be paid to Zhang's mother, and Zhang's father-in-law is no longer in the first beneficiary priority, so he cannot get any compensation.

Zhang's parents were named as the beneficiaries, and her father died together in the same insured event. Therefore, only the mother has the right to benefit. All the 40,000 yuan claim should be paid to his mother, that is, Zhang's wife, but since his wife also died shortly after the incident, the insurance claim should be treated as Zhang's wife's estate.

When inheriting an estate, it is necessary to follow the order of inheritance, and the first order of inheritance is parents, children, and spouses. Zhang's father-in-law is the father of Zhang's wife, so he obtained the right to inherit the first estate, and all the 40,000 yuan compensation should be paid to Zhang's wife, and Zhang's father-in-law should inherit his estate. Zhang's mother was not in the first inheritance line, so she could not obtain Zhang's wife's estate.

To sum up, in this case, Zhang's mother can get Zhang's 30,000 yuan compensation plus Zhang's father's 60,000 yuan compensation, a total of 90,000 yuan. Zhang's father-in-law, as the heir of Zhang's wife's estate, can inherit from Zhang's wife the 30,000 yuan compensation obtained by Zhang's wife from her husband and the 40,000 yuan compensation from Zhang's daughter, totaling 70,000 yuan.

Zhang's mother, as the beneficiary of the insurance, can get 3+6=90,000.

Zhang's father-in-law inherited his daughter, Zhang's wife, 3 = 4 = 70,000 yuan through inheritance.

Go to Zhengbao's accounting online school, there are many candidates on BBS, and there are experts who can help you.