보험과 리스크관리 영문레포트 (Risk Management and Insurance LIFE INSURANCE)

소개글

보험과 리스크관리 국제어과목 영문레포트입니다.

목차

1.Life Insurance Overview

2.Key Words Covered in Chapter

3.Types of Life Insurance Policies
1)Mortality-Based Insurance Policies
2)Morbidity-Based Insurance Policies

4.Mortality-Based Insurance Policies
1)Life Insurance(Assurance) and Endowments
(1)Term Life Insurance
(2)Cash Value Life Insurance
2)Annuities

5.Morbidity-Based Insurance Policies
1)Health Insurance
(1)Hospital confinement indemnity insurance
(2)Specified-disease insurance
2)Long-Term Care Insurance
3)Disability Income Insurance
(1)Residual disability benefits
(2)Partial Disability Benefits
(4)Inflation Protection Benefits

본문내용

❏ Life Insurance Overview

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount (at regular intervals or in lump sums). There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium.
There is a difference between the insured and the policy owner (policy holder), although the owner and the insured are often the same person. The insured is a participant in the contract, but not necessarily a party to it. However, "insurable interest" is required to limit an unrelated party from taking life insurance.

<중 략>

◯ Health Insurance
Health Insurance covers loss by illness or bodily injury. It provides coverage for medicine, visits to the doctor or emergency room, hospital stays and other medical expenses. Policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment available to the policyholder. Health insurance can be directly purchased by an individual, or it may be provided through an employer. Health insurance can be classified into 3 types, supplemental health insurance, hospital confinement indemnity insurance and specified-disease insurance.

참고 자료

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