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deductible (Безусловная франшиза – это часть убытка, не подлежащая возмещению страховщиком и вычитаемая при расчёте страхового возмещения, подлежащего выплате страхователю, из общей суммы возмещения. Например, при страховой сумме 100 руб. установлена безусловная франшиза 15 руб. В случае, если размер убытка составляет 10 руб., то такой убыток не подлежит возмещению (так как сумма убытка меньше безусловной франшизы). Однако, если при тех же исходных условиях размер убытка составит 20 руб., возмещению страховщиком будет подлежать сумма 5 руб. (то есть, 20 руб. – 15 руб. = 5 руб.). WK. In an insurance policy, the deductible is the amount paid out of pocket by the policy holder before an insurance provider will pay any expenses. In general usage, the term deductible may be used to describe one of several types of clauses that are used by insurance companies as a threshold for policy payments. wikipedia.org, wikipedia.org Alexander Demidov) |
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straight deductible (sva); franchise |
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franchise deductible (A minimum amount of loss that must be incurred before insurance coverage applies. A franchise deductible differs from an ordinary deductible in that, once it is met, the entire amount of the loss is paid, subject to the policy limit. Franchise deductibles can be stated either as a dollar amount or as a percentage of the policy limit. See also Deductible. – АД DV  irmi.com) |
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deductible franchise (при безусловной (вычитаемой) франшизе Страховщик во всех случаях возмещает убыток за вычетом величины франшизы. proz.com Alexander Demidov) |
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an excess (Example: An excess is the amount which is not covered by the insurance policy. This is commonly encountered in motor insurances where it is deducted from each and every claim for damage to the insured car (e.g. an insurance policy with a $50 excess means that the first $50 of any claim for damage to the insured car will be borne by the insured). (Перевод: Безусловная франшиза – это сумма, которая не покрывается страховым полисом. Такая франшиза обычно встречается в автостраховании, где она вычитается из всех без исключения претензий по повреждению застрахованного автомобиля (напр., страховой полис с франшизой 50 долларов США означает, что первые 50 долларов США любой претензии по повреждению застрахованного автомобиля несёт страхователь).; An excess can refer to one of two very different insurance terms. The first is the extra costs borne by the insured over and above the maximum coverage that the insurance company pays. This terminology is especially common in areas of insurance sensitive to loss (like liability insurance) and is addressed by the insurance market through excess line insurance companies through mechanisms like excess insurance, gap insurance, and umbrella insurance. The second is an insurance exception that is (often interchangeably but wrongly) referred to as an excess or a deductible. It is "the first amount of the claim which the insured has bear. If the insured has an excess of $500 and the total repair costs $3,000, then the insured has to pay $500 while the insurer pays the remaining $2,500.".[2] The main difference is as follows. An excess is an amount a policyholder must bear before the liability passes to the insurer (subject to the sum insured). A deductible is an amount withheld by the insurer from the claim amount paid to the policyholder. The effect of an excess or deductible are the same if the claim amount is fully covered, but differ when the claim amount exceeds that maximum insured value. WAD Пазенко Георгий) |
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unconditional franchise (A deductible should not be confused with a franchise. Where a deductible represents a part of the expense the insurer is not liable for, the franchise is a pure threshold that, when exceeded, transfers liability for the entire expense to the insurer. For example, with a franchise of $20,000 a claim of $19,900 is borne entirely by the policyholder and a claim of $20,500 is borne entirely by the insurer. WAD SergeyL) |
