일반 손해보험의 장기계약 운영에 대한 연구
A Study on Long-term Contract Pperation of General Non-life Insurance
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초록
일반 손해보험의 계약자는 특별한 규정이 없는 한 보험기간을 1년으로 하여 계약을 체결하지만 계약자가 필요로 하는 경우에 3년 장기계약도 체결한다. 손해보험회사는 장기계약의 일시납 보험료 할인을 의미하는 장기계수를 사용하고 있다. 현재 운용하고 있는 장기계약은 80년대 이전에 도입된 것으로 지금의 보험경영환경에 보면 부적합한 내용이 존재한다. 본 논문은 장기계약의 정의와 운영현황을 조사하고, 일시납 장기계수의 적정성 검증과 장기계약자의 권리와 의무에 대한 문제점을 분석하였다. 그 결과 일시납 보험료의 장기계수(할인율)는 최근 보험환경에 비하여 과도한 수준임을 확인하였다. 또한 보통보험약관은 장기계약자의 권리와 의무를 충분하게 설명하지 못한다는 것을 확인하였다. 향후 손해보험회사는 자사의 손해율과 운용자산 이익률에 기초하여 장기계수를 재산출하고, 장기계약 특별약관을 도입할 필요가 있다.
Abstract
In general, general non-life insurance policyholders sign a contract for with an insurance period of one year, but a three long-term contact is also signed at the request of the insured. Non-life insurance companies use long-term coefficients, which is a discount rate to lump sum payment premiums of long-term contract. The current long-term contract was introduced before the 80s, and it is inappropriate in the current insurance management environment. This paper investigates the definition and operation status of long-term contracts, analyzes the problems of rights and obligations of long-term contractors, and conducts adequacy verification of long-term coefficients. As a result, it was confirmed that the long-term coefficient (discount rate) of the lump sum payment premium was excessive compared to the recent insurance environment. It was also confirmed that the general conditions of insurance contracts did not sufficiently explain the rights and obligations of long-term contractors. In the future, it is necessary for the non-life insurance company to recalculate the long-term coefficient based on the company's loss ratio and yield rates of operating assets and to introduce special terms and conditions for long-term contracts.
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