osa kahjust, mis jääb kindlustusjuhtumi korral kliendi enda kanda
deductible - the amount that is deducted from some or all claims arising under an insurance or reinsurance contract. The practical effect is the same as an excess: the insured or reassured must bear a proportion of the relevant loss. If that loss is less than the amount of deductible/excess then the insured or reassured must bear all of the loss (unless there is other insurance in place to cover the deductible). An increase in deductible should result in a reduction in premium.
excess - the amount or proportion of some or all losses arising under an insurance or reinsurance contract that is the insured or reassured must bear. If the loss is less than the amount of the excess then the insured/reassured must meet the cost of it (unless there is other insurance in place to cover the excess).
retention - the amount of any loss or combination of losses that would otherwise be payable under an insurance/reinsurance contract which the insured/reassured must bear itself before the insurer or reinsurer becomes liable to make any payment under that contract.
Good to know
Staatus: kinnitatud
Kui otsekindlustuses kohtab omavastutuse tähistamiseks enamasti kas termineid "excess" või "deductible", siis edasikindlustuse kontekstis, kui ei ole täpsustatud, on üldterminiks "retention".
Klient võib olla nt kindlustusvõtja, kindlustatu, kannatanu.
Kindlustuslepingus võib olla kokku lepitud erinev omavastutus kindlustatud esemete, sõiduki osade või juhtumite lõikes. Kõik omavastutused on märgitud kindlustuspoliisil või kindlustuspakkumuses.
Kindlustuslepingus kindlustusvõtja omavastutuse kohaldamise korral hüvitab kindlustusandja kahjustatud isikule kahju täies ulatuses ning kindlustusvõtja tasub kindlustusandjale omavastutuse summa.
Näiteks kui omavastutus on 200 eurot ja kahju tekib 1000 euro ulatuses, kohustub kindlustusandja hüvitama vaid 800 eurot. Kui tekkinud kahju suuruseks oleks 200 eurot, ei hüvitaks kindlustusandja midagi.
… it is common that the policy contains a deductible and thus the insured has to bear the first part of any loss. Such provision is often found, for example, in motor insurance and household insurance. The insurer will indemnify the insured less the amount of the deductible and the insurer’s right against the third party should be limited to reclaiming the amount actually paid out.
Deductibles may be per occurrence or accumulate as an annual amount. Consider a health insurance claim where an insured person recently spent $2,000 in covered medical expenses and has a $300 annual deductible. The policyholder will pay $300, and the insurer will pay the remaining $1,700. Once meeting the annual deductible amount, the insurer covers the full costs for the rest of the year...
An excess is a fixed amount you have to pay if you decide to make a claim on your policy. For example if your excess is €250 and you make a claim for €1,000, your insurer will pay out €750.
Good to know
British
In the United Kingdom, Australia, and some other parts of the world, an insurance deductible is referred to as an excess; however, the function the same.
Compare deductible and retention. Excesses may either be compulsory or voluntary. An insured which accepts an increased excess in the form of a voluntary excess will receive a reduction in premium.
Kasutatud võlaõigusseaduse VÕS-2019/12/16 tõlkes inglise keelde, sest õigusaktide tõlgetes on eelistatud Briti inglise keelt. [23.01.2020]
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