overinsurance 中文意思是什麼
overinsurance
解釋
超額保險-
The concept of ratio of real estate insurance value is proper measurment of overinsurance
不動產保險價值比率這一概念，就是評價超額保險程度的指標。 -
The overinsurance in mortgage insurance is also a subject worthy of argument in real estate insurance
抵押貸款保險中的超額保險現象，也是不動產保險值得探討的一個問題。 -
In insurance business practice, the building insurance clause in mortgage insurance usually applies the real estate value to amount insured, wheras raplacement approach is applied to the indemnity, which causes overinsurance ? the amount insured is greater than insurance value. the excess amount is perfectly equal to the land value or a portion of land value, which prejudices the interest of the insured
在保險實踐中，住房抵押貸款保險的房屋保險條款通常以不動產價值作為保險金額，而在保險補償時適用重置價值標準，導致保險金額總是大於保險價值的超額保險情況，超出的金額就是土地的價值或者土地價值的一個比例，這對被保險人是不利的。
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