Klauzule prijava odstetnih zahtjeva - Bosna RE

Indeksacija šteta – Primjer
Godina štete
Osnov indeksacije
Prioritet
2002
juli 1999. 171.30%
363,500
Nom inalni zahtjev
Prilagođeni zahtjev
Distribucija zahtjeva
Godina Plaćeno Rezervirano Ukupno Indeks Plaćeno Rezervirano Ukupno % Plaćeno Rezervirano Ukupno
2002 21,999 478,001 500,000 186.50% 20,206 439,043 459,249 79% 21,999 373,756 395,755 Osiguranik
21% 0 104,245 104,245 Reosigurava
2003 33,262 944,739 1,000,000 190.60% 29,894 849,076 899,175 40% 55,261 348,999 404,259 Osiguranik
60% 0 595,741 595,741 Reosigurava
2004 120,070 824,670 1,000,000 194.60% 105,693 725,930 881,723 41% 175,330 236,931 412,261 Osiguranik
59% 0 587,739 587,739 Reosigurava
2005 30,772 793,898 1,000,000 199.50% 26,422 681,678 863,893 42% 206,102 214,668 420,770 Osiguranik
58% 0 579,230 579,230 Reosigurava
2006 7,314 786,584 1,000,000 205.50% 6,097 655,678 843,990 43% 213,416 217,276 430,692 Osiguranik
57% 0 569,308 569,308 Reosigurava
2007 136,418 650,166 1,000,000 210.80% 110,856 528,337 827,505 44% 349,834 89,438 439,272 Osiguranik
56% 0 560,728 560,728 Reosigurava
Indeks
Jul-86 100.00% Jul-00 175.30% (Nominalna šteta / Indeks na dan plaćanja) * Indeks na bazni datum
Jul-87 103.50% Jul-01 181.00%
Jul-88 106.40% Jul-02 186.50% 2002 (500.000 / 186,5%) * 171,3% = 459.249
Jul-89 110.50% Jul-03 190.60% 363.500 / 459.249 = 79%
Jul-90 118.30% Jul-04 194.60%
Jul-91 127.50% Jul-05 199.50% 2003 plaćeno u 2002 (21.999 / 186,5%) * 171,3% = 20,206
Jul-92 136.00% Jul-06 205.50% plaćeno u 2003 (33.262 / 190,6%) * 171,3% = 29,894
Jul-93 142.40% Jul-07 210.80% rezervir. 2003: (944.739 / 190,6%) * 171,3% = 849,075
Jul-94 147.90% 899,175
Jul-95 153.50% 363.500 / 899.175 = 40%
Jul-96 158.50%
Jul-97 162.20%
Jul-98 166.20%
Jul-99 171.30%
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