초록

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Abstract ▼ AI-Helper

Generally, a standard of insurance rate is rationally graded or applied according to size of risk(degree of risk) but present natural disaster insurance applies same insurance rate regardless of measuring size of risk(degree of risk) and classifies each 230 cities and districts into one risk grade. ...

Generally, a standard of insurance rate is rationally graded or applied according to size of risk(degree of risk) but present natural disaster insurance applies same insurance rate regardless of measuring size of risk(degree of risk) and classifies each 230 cities and districts into one risk grade. Accordingly, the current insurance rate is unfairly discriminatory as it is supposed to be graded and applied with the standard of insurance rate regarding size of risk. This thesis is to investigate and research flood insurance risk classification system of each country such as the US and Europe and it, on basis of research, suggests a natural disaster insurance manual rate system which can be graded and applied according to size of risk. Therefore, we, according to degree of risk, propose the newly designed class rate system as we regard the inundation depth and inundation area as a weight for rate discrimination.

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