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保险经营具有很强的(),不仅投保人或被保险人是社会上的千家万户,而且保险公司能否持续经营将会广泛、长期地影响到其客户的绝大部分利益。

发布日期:2022-07-16

保险经营具有很强的(),不仅投保人或被保险人是社会上的千家万户,而且保险公司能否持续经营将会广泛、长...
A

公共性

B

社会性

C

普遍性

D

关联性

试题解析

被保险人

被保险人是指其财产或者人身受保险合同保障,享有保险金请求权的人。被保险人亦称“保户”,是受保险合同保障的人,在保险事故发生时或保险期满时有权按保险合同向保险人请求损失赔偿或领取保险给付金。被保险人可以是法人,也可以是自然人。在财产保险中,被保险人通常就是投保人;在人身保险中,若投保人为自己投保,投保人就是被保险人,若投保人为他人投保,他人是被保险人。

中文名
被保险人
别名
保户
义务
投保前进行如实告知的义务
外文名
Insurant
定义
享有保险金请求权的人.
权利
决定保险合同是否有效

保险经营

保险经营是对保险企业经营活动所做的运筹、谋划工作。它一般经过展业、承保、分保、防损、理赔及保险资金运用等环节。保险企业经营具有不同于一般工商企业的特点: ①保险经营以大数法则为基础,具有广泛性的特点,追求保险合同的数量规模。②保险经营资金主要来自于投保人所缴纳的保险费,具有负债性,故保险经营更重视偿付能力管理和保险资金运用。③确定保险费率以科学计算为基础,技术性强,对保险人才要求高。④保险是为未来承担赔偿责任,保险经营要树立长远发展观念,更加注重服务质量和良好的企业形象。因此,保险经营除遵循一般工商企业应遵循的经济核算等原则外,还要遵循集合大量危险单位原则、风险经营分散原则和进行风险选择原则。

中文名
保险经营
特征
分散性 广泛性
外文名
Insurance management

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保险原理

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Dental Health  Decay is not the only disease that can cause tooth loss. Another serious disease affects the gums, the tissue that surrounds the teeth. It is also caused by bacteria. If the bacteria are not removed every day, they form a substance that stays on the teeth. The substance is known as plaque. At first, the gums appear to be swollen, and may bleed when the teeth are brushed. This can lead to serious infection of the tissue around the teeth. The infection may damage the bone that supports the teeth and cause tooth loss and other health problems. Studies have found that people with severe gum disease have an increased risk of developing heart disease, diabetes and stroke.  Gum disease can be treated by a special dentist called a periodontist. Periodontists are trained to repair the gum areas that have been damaged. This can be painful and costly.  Dental health experts say the best thing to do is to stop gum disease before it starts. The way to do this is to clean the teeth every day. People also should use dental floss to remove plaque from between the teeth. Most experts also agree that another way to prevent tooth and gum problems is to eat foods high in calcium and vitamins and low in sugar.  Scientists continue to develop better dental treatments and equipment. Improved technology may change the way people receive dental treatment in the future. For example, dentists are now suing laser light to treat diseased gums and teeth. Dentists use computer technology to help them repair damaged teeth. Researchers have developed improved methods to repair bone that supports the teeth. And genetic research is expected to develop tests that will show the presence of disease causing bacteria in the mouth.  Such increased knowledge about dental diseases and ways to prevent them has improved the health of many people. Yet problems remain in some areas. In industrial countries, minorities and other groups have a high level of untreated dental disease. In developing countries, many areas do not have even emergency care services. The World Health Organization says people in countries in Africa have the most tooth and gum problems.  World Health Organization experts say the dental health situation is different for almost every country in the world. As a result, it has developed oral health programs separately for each area.  The WHO oral health program is mainly for people living in poor areas. It provides them with information about mouth diseases and health care. It also studies preventive programs using fluoride in water, salt, mild and toothpaste. And it explores ways to include dental health in national health care systems.  Many governments and other organizations provide help, so people can get needed dental health services. But dental health professionals say people should take good care of their teeth and gums.  They say people should keep their teeth as clean as possible. They should eat foods high in calcium and fiber. These include milk products, whole grain breads and cereals, vegetables, fruits, beans and nuts. Recent studies have shown that eating nuts can help slow the production of plaque on the teeth.  Experts say these activities will help everyone improve their dental health throughout their lives.

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