{"id":233,"date":"2020-09-25T06:37:45","date_gmt":"2020-09-25T06:37:45","guid":{"rendered":"http:\/\/blog.insurancesamadhan.com\/?p=233"},"modified":"2020-09-25T06:37:46","modified_gmt":"2020-09-25T06:37:46","slug":"what-is-reinsurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/what-is-reinsurance\/","title":{"rendered":"Reinsurance Definition, Types, Benefits and How it works"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-reinsurance\/#What_is_Reinsurance\" >What is Reinsurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-reinsurance\/#How_many_types_of_Reinsurance\" >How many types of Reinsurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-reinsurance\/#How_Reinsurance_Works\" >How Reinsurance Works?<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>In our last two blogs, we have been covering protection of Policy Holder\u2019 interest. We have covered all IRDA provisions for protection and why policy holders should feel safe.<\/p>\n\n\n\n<p>But still one area worries every one that is what will happen to Insurance companies if more people die or fall sick. How will Insurance Company honour the claims? So Policy holders should not be worried because Insurance companies insure their business under reinsurance. In this blog, we are covering this fear of policy holders by understanding concept of reinsurance.<\/p>\n\n\n\n<p><center><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&#038;utm_medium=organic&#038;utm_campaign=blog_banner&#038;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"\/><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\"\/><\/a><\/center><\/p>\n\n\n\n<p>Public take insurance to cover the risk of an uncertain event and feel safe. In the same way, insurers buy insurance of their business and feel safe. Their business is to pay claim if insured event occurs. This system of Insurers buying insurance is called Reinsurance. This protects Life, Health and General Insurance by reducing their exposure to a specific risk. For example, Life Insurers calculate the premium on standard mortality table expecting an average mortality claim however It is possible that claim exceeds budget then Insurance companies would have difficulty in paying claim. So Insurers follow a system that all risks beyond a standard risks are insured under reinsurance. For example, in life insurance all death cover over Rs 50 lakhs may be covered under reinsurance. In health insurance all cases over Rs 10 lakh may be covered under reinsurance. Same way, general insurance cover all large cases under reinsurance. So reinsurance shares the claim as per an agreed formula if such claim happens and insurance company maintain their solvency.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Reinsurance\"><\/span>What is Reinsurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Reinsurance means an insurance for insurance companies. Insurance companies cover the risks for individuals and businesses. Reinsurance covers the risk of excessive claims due to different reasons for insurance companies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_many_types_of_Reinsurance\"><\/span>How many types of Reinsurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are two types of reinsurance:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Treaty Reinsurance<\/li><li>Facultative Reinsurance<\/li><\/ol>\n\n\n\n<p>Hence concept of reinsurance must reassure Policy Holders that all claims will be paid even if an extra ordinary event happens. For example, Pandemic Covid 19 is causing extra cases of death and patients but such extra burden will be shared by reinsurers. These reinsurers are large international organization\u2019s who are collecting premiums from across the world.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Reinsurance_Works\"><\/span>How Reinsurance Works?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For awareness, few terminologies of Reinsurance are given below:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Ceding Party:<\/strong>&nbsp;Insurer who are buying reinsurance or party who is sharing the loss.<\/li><li><strong>Treaty Reinsurance:<\/strong>&nbsp;Reinsurance for a specific period. Cover all risk (written or not written) for a given period.<\/li><li><strong>Facultative Reinsurance:<\/strong>&nbsp;Reinsurance for specific cases as per given agreement i.e all cases beyond Rs 50 lakhs.<\/li><li><strong>Proportional Reinsurance:<\/strong>&nbsp;Here reinsurer agrees to insure risk by taking a proportion of premium collected.<\/li><li><strong>Non Proportional Reinsurance:<\/strong>&nbsp;Here reinsurer pays only if claim exceeds an agreed limit for example insurer will pay the claim till Rs 50 lakh and any thin beyond Rs 50 lakh will be paid by reinsurer.<\/li><\/ol>\n\n\n\n<p>All Insurance companies operate under the system of reinsurance which is regulated by IRDA. IRDA ensures business solvency by keeping a regular check on total cover provided and cover under reinsurance.<\/p>\n\n\n\n<p><center><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&#038;utm_medium=organic&#038;utm_campaign=blog_banner&#038;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"\/><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\"\/><\/a><\/center><\/p>\n\n\n\n<p>Insurance Samadhan has handled over 13000 cases in last 20 months and aims to build a grievance free eco system for the growth of Insurance Business.<\/p>\n\n\n\n<p>To reach us at InsuranceSamadhan.com \u2013<\/p>\n\n\n\n<p>Call us at \u2013 844 844 0626<\/p>\n\n\n\n<p>Mail us at \u2013&nbsp;<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n\n\n\n<p>Register your insurance complaint&nbsp;<a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In our last two blogs, we have been covering protection of Policy Holder\u2019 interest. We have covered all IRDA provisions for protection and why policy holders should feel safe. But still one area worries every one that is what will&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-reinsurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":235,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Reinsurance? Know their types, benefits and how it works<\/title>\n<meta name=\"description\" content=\"Read reinsurance definition, their types, benefits to policyholders &amp; companies and how it works at Insurance Samadhan. Reinsurance means an insurance for insurance companies. Reinsurance covers the risk of excessive claims due to different reasons for insurance companies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-reinsurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Reinsurance? Know their types, benefits and how it works\" \/>\n<meta property=\"og:description\" content=\"Read reinsurance definition, their types, benefits to policyholders &amp; companies and how it works at Insurance Samadhan. Reinsurance means an insurance for insurance companies. Reinsurance covers the risk of excessive claims due to different reasons for insurance companies.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-reinsurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Samadhan\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-25T06:37:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-09-25T06:37:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/wp-content\/uploads\/2020\/09\/reinsurance-to-protect-the-policyholder.jpg?fit=1920%2C1080&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Shailesh Kumar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shailesh Kumar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-reinsurance\/\",\"url\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-reinsurance\/\",\"name\":\"What is Reinsurance? 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