METHODS OF ASSESSING THE FEASIBILITY OF PARTICIPATION IN MUTUAL INSURANCE
https://doi.org/ 10.18384/2310-6646-2017-1-95-102
Abstract
The article considers the approaches and methods to analyze comparative attractiveness of mutual insurers and commercial insurance in comparison with a waiver of insurance. The author used mathematical expectation of the insured costs for insurance protection and their dispersion which characterizes the level of increased risk of these costs as indicators of attractiveness. The analytical forms determining the values of these indicators for the commercial insurance and non-insurance based on the parameters of the law of distribution losses and the amount of insurance premiums are provided. For mutual insurance it is offered to estimate their values during simulation experiment with the features that reflect the characteristics of the insurance business. Some results of this experiment are provided and the conditions under which mutual insurance becomes a more effective form of protection insurance in comparison with its other options are determined.
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