რისკის პრემია და მოგება სადაზღვევო სისტემაში

Insurance plays a critical role in supporting economic activity and makes a critical contribution to the sustainability and growth of the national economy. Insurance provide financial support and reduce uncertainties in business and human life. It provides safety and security against particular event.
Insurance also generate funds by collecting premium. These funds are invested in financial instruments. Insurance does not only protect against risks and uncertainties, but also provides an invest chanell too.
In order to provide protecting policyholders and financial stability they require to be regulated and supervised effectively.
Innovation through new technologies is a key driver of change in the financial sector, the insurance sector is no exception to such development. Technological development is significantly changing consumers’ expectations of insurance. Also the growing use of a reliance on digital technologies are creating signifinant opportunities for innovation, convenience and efficiency, but also they come with specific cybersecurity and privacy protection risks.