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Record identifier : 564904
Personal Name - Primary Intelectual Responsibility : Zarei,Safoora
Title and statement of responsibility : A Feasibility Study on Provision of Earthquake Insurance for Tehran [Thesis]/زارعی ، صفورا;supervisor: Ghadir Mahdavi;advisor: Morteza Bastami
Publication, Distribution,Etc. : , 2011
Language of the Item : eng
Internal Bibliographies/Indexes Note : Bibliography
Dissertation of thesis details and type of degree : Master of Science
Discipline of degree : , Actuarial Science
Body granting the degree : , ECO College of Insurance
Summary or Abstract : هدف تحقیق:بررسی تدارک استفاده از بیمه زلزله برای شهر تهران‌است.بیمه یکی از کاراترین ابزار پیشگیری و کاهش اسیب پذیری پس از زلزله و همچنین جبران خسارتهای مالی محسوب می گردد.نتایج تحقیق نشان می دهد که ارتباط بین ریسک گریزی آنها متفاوت است
: Traditional insurance principles for insurability require that there should be sufficient demand to yield appropriate levels of income revenue for insurers to supply the coverage. In this study, for provision the earthquake insurance coverage we investigated the number of factors influencing on demand for earthquake insurance in metropolitan Tehran, Iran.We nvestigated whether individuals' expected utility in the state of insurance is more than the expected utility in the state of no insurance. We also, empirically, investigated the influence of individuals' characteristics such as the age of household head, education, employment, monthly income, distrust to insurance company, and construction characteristics (type of structure, its age, construction quality and construction value), government interference and geophysical risk on demand of purchase earthquake insurance using econometric model. The main results of this study are summarized as follows: First, the expected utility in the state of insurance is more than the expected utility in the state of no insurance and the expected utility for individuals' willingness to pay is more than the expected utility with real premium. Second, the level of geophysical risk does not have meaningful effect on the demand of earthquake insurance. Third, the premium rate and structure value have significant negative relationship with demand for earthquake insurance. Fourth, Perception of risk has significant positive relationship with demand for residential earthquake insurance. Fifth, individuals' trust to government interference for loss financing negatively affects the purchase of earthquake insurance. Sixth, income level has not significant relationship with insurance demand. Finally, the results show that individuals' risk aversion is significantly related to demand for residential earthquake insurance..
Topical Name Used as Subject : earthquake insurance
: premium
: expected utility
: willingness to pay
Information of biblio record : TL
 
 
 
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