초록

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Abstract ▼ AI-Helper

Natural disaster insurance is one of the policy insurance that guarantees payment of part or full premium by government(community). In this insurance, it regards both insured persons and government(community) as a subject of risk management. As reducing premium to some cities where perform well in r...

Natural disaster insurance is one of the policy insurance that guarantees payment of part or full premium by government(community). In this insurance, it regards both insured persons and government(community) as a subject of risk management. As reducing premium to some cities where perform well in risk management, it can enforce 'Promotion of Loss Control', which is one of the most important thing to consider when rate-making. Some example cases of domestic and foreign schedule rate system, especially the US's Community Rating System, are deeply researched and analyzed, and systems have operated on purpose of the promotion of loss control. Based on the result, it sets check items and check criteria to evaluate the level of risk control. It suggests a method of calculation in the community safety discount ratio and its application plan. In addition, it uses the suggested calculating method to evaluate the community safety discount ratio of Andong, Gyeongsangbuk-do Province as an example, and it proves that it makes insurance rate-making fairly discriminatory. This research checks the possibility of actual application of the method of calculation.

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