FINANCE|insurance
- árachas idir piaraí Tagairt Comhairle-GA
- ga
- Peer-to-Peer-Versicherung | P2P-Versicherung
- de
- Sainmhíniú Versicherungsmodell, das es Kunden ermöglicht, sich mit Freunden und Bekannten im Kollektiv vor Risiken abzusichern, wobei Versicherte in Gruppen zusammengeschlossen werden und in einen gemeinsamen Pool einzahlen Tagairt "Council-DE nach ""Peer-to-Peer-Versicherungen: Hat das noch wenig bekannte Konzept Potenzial?"" (23.4.2021) AssCompact, Fachmagazin für Risiko- und Kapitalmanagement [14.9.2018]"
- peer-to-peer insurance | P2P insurance
- en
- Sainmhíniú risk sharing digital network or platform where a group of individuals with mutual interests or similar risk profiles pool their premiums together to insure against a risk/to share the risk among them, and where profits are commonly redistributed at the end of the year in case of good claims experience Tagairt "Council-EN based on:European Insurance and Occupational Pensions Authority > Document library > Report InsurTech 2019: Report on best practices on licencing requirements, peer-to-peer insurance and the principle of proportionality in an InsurTech context (22.2.2021)"
- Nóta There are three broad types of P2P business models/platforms:a) acting as an insurer:P2P insurance sold directly through a licensed insurer, following all relevant insurance legislation. The platform assumes risk by insuring members for: (i) risks not covered by the P2P arrangement; and/or (ii) claims that exceed contributions made to the pool fund;b) acting as an intermediary:P2P insurance sold via a licensed broker/intermediary backed by a licensed insurance undertaking, following all relevant insurance legislation. The platform arranges insurance policies with external insurers on behalf of its members to insure (i) risks not covered by the P2P arrangement; and/or (ii) claims that exceed contributions made to the pool fund;c) acting as a technical service provider:purely technical service providers/platform who acts as an administrator for the risk sharing groups, without an underlying insurance carrier. The platform acts purely as an administrator for the risk sharing groups (e.g. it might leverage Blockchain and smart contracts and facilitate users coming together and creating their own 'pools').