Perlindungan Maksimal dari Allianz Allisya Protection Plus Strakhovaniye yavlyayetsya sredstvom zashchity ot finansovykh poter'. Eto forma upravleniya riskami, v osnovnom ispol'zuyemaya dlya khedzhirovaniya riska riska kontingenta ili neopredelennosti. Sushchnost', predostavlyayushchaya strakhovaniye, izvestna kak strakhovshchik, strakhovaya kompaniya, strakhovoy agent ili anderrayter. Litso ili yuridicheskoye litso, kotoroye priobretayet strakhovaniye, izvestno kak zastrakhovannoye litso ili strakhovatel'. Strakhovaya sdelka vklyuchayet v sebya zastrakhovannogo litsa, predpolagayushchego garantirovannuyu i izvestnuyu otnositel'no nebol'shuyu poteryu v vide platezha strakhovshchiku v obmen na obeshchaniye strakhovshchika vozmestit' zastrakhovannomu litsu v sluchaye pokrytogo ubytka. Ushcherb mozhet byt' ili ne byt' finansovym, no on dolzhen byt' sokrashchen do finansovykh usloviy i obychno vklyuchayet v sebya to, v chem zastrakhovannyy imeyet strakhovoy interes, ustanovlennyy vladeniyem, vladeniyem ili sushchestvovavshimi raneye otnosheniyami. Zastrakhovannyy poluchayet kontrakt, nazyvayemyy strakhovym polisom, v kotorom ukazany usloviya i obstoyatel'stva, pri kotorykh strakhovshchik budet vyplachivat' kompensatsiyu zastrakhovannomu.
Summa deneg, vzimayemaya strakhovshchikom strakhovatelyu za pokrytiye strakhovogo polisa, nazyvayetsya premiyey. Yesli zastrakhovannyy ispytyvayet ubytok, kotoryy potentsial'no pokryvayetsya strakhovym polisom, zastrakhovannyy podayet isk strakhovshchiku dlya obrabotki s pomoshch'yu regulyatora trebovaniy. Strakhovshchik mozhet khedzhirovat' svoy sobstvennyy risk, vynimaya perestrakhovaniye, v sootvetstvii s kotorym drugaya strakhovaya kompaniya soglashayetsya nesti kakoy-libo risk, osobenno yesli pervichnyy strakhovshchik schitayet slishkom bol'shoy risk dlya yego perenosa. Metody peredachi ili raspredeleniya riska primenyalis' kitayskimi i vavilonskimi torgovtsami yeshche 3-m i 2-m tysyacheletiyami do nashey ery sootvetstvenno.1 Kitayskiye torgovtsy, puteshestvuyushchiye po verolomnym rechnym porogam, pereraspredelili svoi tovary na mnogiye suda, chtoby ogranichit' poteryu iz-za oprokidyvaniya lyubogo sudna , Vavilonyane razrabotali sistemu, kotoraya byla zapisana v znamenitom Kodekse Khammurapi, c. 1750 do n.e., i praktikuyetsya rannimi sredizemnomorskimi parusnymi torgovtsami. Perihal Perkembangan Asuransi
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