coinsurance clause

coinsurance clause
страх. оговорка о состраховании [о совместном страховании\]*
а) (в страховании имущества: условие в страховом полисе, согласно которому ответственность данного страховщика по данному страховому случаю ограничена определенной долей от стоимости страхуемой собственности)
б) (в медицинском страховании: условие в страховом полисе, ограничивающее ответственность страховщика определенной долей от соответствующих условиям полиса медицинских расходов; в некоторых случаях, это условие подразумевает, что страховщик покрывает определенный процент от всех медицинских расходов, а оставшуюся часть покрывает страхователь; в других полисах может быть установлен нестрахуемый минимум расходов: в этом случае страховщик покрывает определенный процент от медицинских расходов, превышающих нестрахуемый минимум, а остальные расходы покрывает страхователь)
See:
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оговорка о совместном страховании
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. In the case of a partial loss where the property is not insured for the indicated percentage of its cash value at the time of the loss, the recovery from the company is based on a percentage. Example - Your insurance policy contains a coinsurance clause of 80%. Your building sustained $100,000 in damages. The actual cash value of the property at the time of the loss was $500,000, but you only carried $300,000 of insurance. Based on the coinsurance clause, you should have had coverage of $400,000 (80% of $500,000). You can't recover the full $100,000 in damages. Instead, your recovery is limited by the percentage of your coverage ($300,000/$400,000) times the loss, or $75,000. If you had coverage of $400,000, your insurance would have reimbursed you for the full $100,000 loss. . Small Business Taxes & Management 2 .

Англо-русский экономический словарь.

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Смотреть что такое "coinsurance clause" в других словарях:

  • coinsurance clause — A clause in a contract of insurance which in substance requires the insured to maintain insurance on the property covered by the policy in a certain amount, and stipulates that upon his failure to do so, the insured shall be a coinsurer and bear… …   Ballentine's law dictionary

  • coinsurance clause — Provision in insurance policy requiring property owner to carry insurance up to an amount determined in accordance with the provisions of the policy …   Black's law dictionary

  • coinsurance clause — Provision in insurance policy requiring property owner to carry insurance up to an amount determined in accordance with the provisions of the policy …   Black's law dictionary

  • Waiver Of Coinsurance Clause — Language in an insurance policy that says the insurance company will not require application of the part of the policy that divides responsibility for an insured loss between the insurance company and the policyholder. The coinsurance clause is… …   Investment dictionary

  • Coinsurance — is an insurance related term that often describes a splitting or spreading of risk among multiple parties.In the United StatesIn the US insurance market, coinsurance refers to the joint assumption of risk between the insurer and the insured. In… …   Wikipedia

  • coinsurance — A relative division of risk between the insurer and the insured, dependent upon the relative amount of the policy and the actual value of the property insured, and taking effect only when the actual loss is partial and less than the amount of the …   Black's law dictionary

  • coinsurance — A relative division of risk between the insurer and the insured, dependent upon the relative amount of the policy and the actual value of the property insured, and taking effect only when the actual loss is partial and less than the amount of the …   Black's law dictionary

  • coinsurance — Literally, two or more policies of insurance issued by different insurers covering the same risk; in modern insurance parlance, a relative division of the risk between insurer and the insured, dependent upon the relative amount of the policy and… …   Ballentine's law dictionary

  • coinsurance — A provision in an insurance policy that requires the insured to carry an amount of insurance equal to a certain specified percentage of the value of the insured property. The coinsurance provision, or clause, provides for full payment of losses… …   Financial and business terms

  • Agreed Amount Clause — A property insurance provision in which the insurer agrees to waive the co insurance requirement. To obtain an agreed amount clause, insurers require a statement of property values signed by the insured as a condition of activating or including… …   Investment dictionary

  • average clause — A clause in a blanket fire insurance policy providing that in case of loss the policy shall attach on each building in such proportion as the value of each building bears to the aggregate value of the entire property insured. Such provision is in …   Ballentine's law dictionary


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