Definition The reinsurance Association of America (RAa) Reinsurance is the transfer of insurance risk from one insurer to another through a contractual agreement under which one insurer(the reinsurer) agrees, in return for a reinsurance premium to indemnify another insurer(the primary insurer) for some or all of the fin nancial consequences of certain loss exposures covered by the primary insurer’ s policies.” 潘透价影手
Definition • The Reinsurance Association of America(RAA): “Reinsurance is the transfer of insurance risk from one insurer to another through a contractual agreement under which one insurer (the reinsurer) agrees, in return for a reinsurance premium, to indemnify another insurer (the primary insurer) for some or all of the financial consequences of certain loss exposures covered by the primary insurer’s policies
Definition General re: "Reinsurance is a contract of insurance whereby one insurer (called the reinsurer or assuming company) agrees, for a portion of the premium, to indemnify another insurer(called the reinsured or ceding company) for losses paid by the latter under insurance policies issued to its policyholders 价贸易大学
Definition • General Re: “Reinsurance is a contract of insurance whereby one insurer (called the reinsurer or assuming company) agrees, for a portion of the premium, to indemnify another insurer (called the reinsured or ceding company) for losses paid by the latter under insurance policies issued to its policyholders
Retrocession Retrocession Reinsurers may transfer part of the liability they have accepted in reinsurance agreements to other reinsurers Retrocedent and retrocessionaire 价贸易大学
Retrocession Retrocession: Reinsurers may transfer part of the liability they have accepted in reinsurance agreements to other reinsurers. Retrocedent and Retrocessionaire
nsurance Policyholder Risk Insurance co Insured Insured Underlying Insured Reinsurance Risk Reinsurer Insurance co Assuming Ceding Co Co eden Primary insurer Retrocession Risk Reinsurer R insurer Retrocessionaire Retrocedent
、再保险的基本概念 原保险人应向再保险人支付分保费或再保险费; 再保险人应向原保险人支付分保佣金( reinsurance commission)或分保手续费以补偿其业务招揽成本 再保险人获得盈利时,按合同规定额外支付给原保险 人的报酬或奖励,称为盈余佣金或利润手续费( profit commission)
一、再保险的基本概念 • 原保险人应向再保险人支付分保费或再保险费； • 再保险人应向原保险人支付分保佣金（reinsurance commission）或分保手续费以补偿其业务招揽成本 • 再保险人获得盈利时，按合同规定额外支付给原保险 人的报酬或奖励，称为盈余佣金或利润手续费（profit commission）