The *** insurance referred to in the courseware means that the insurance company and the insured *** with the risk, such as the enterprise insured machinery and equipment, the value of the property is 100,000 yuan, then determine the amount of insurance for 100,000 yuan, and then the machinery and equipment in the insurance period of insurance insurance, part of the loss, the loss of amount of $ 30,000 yuan, but at this time, the total price of the machinery and equipment has been rising from 100,000 to 15 million yuan, then We believe that the recent equipment is not fully insured, the insurance company should be proportional compensation, that is, compensation: 3 × 10/15 = 2 (million yuan), but if the provision of the existence of 80% *** insurance, then the insurance company to compensate for: 3 × 10 / (15 × 80%) = 25 (million yuan), that is to say, the insurance company bears a part of the policyholder does not have enough insurance coverage resulting in insufficient risk of the compensation received
The *** insurance clause is often used in property insurance. *** insurance ratio is generally 80%, if the insured amount of insurance accounted for 80% of the total value of the property, then it is regarded as fully insured, the loss is no longer proportional share, although this is not fully insured; but if it does not reach this proportion, it is equivalent to the underinsurance, the loss will be proportional share.