自保 — 保险 — LexiconDream

🏦 自保

预留资金以应对潜在损失，而不是购买保险。

大型机构有时会认为，与保险公司相比，他们能够以更低的成本自行承担某些损失。自保是指预留资金或依靠现金流来支付原本应由商业保险承保的损失。

正式的自保计划通常包括专门的信托或自保保险公司、理赔管理安排以及精算资金研究。非正式的自保则仅仅是指在没有专项资金的情况下自行承担风险，这可能导致组织面临损失集中爆发的风险。

自保最适用于发生频率高、损失程度中等或较低的风险，且企业拥有可预测的损失经验和充足的财务实力。为了防范重大事件，通常会在自保层之上购买超额保险。某些险种，例如工伤赔偿，可能需要获得监管机构的批准。

Comments (3)

Bruce K. August 27, 2026

We self-insure for our small business because the premiums were insane. Risky but we have a healthy reserve fund.
Angela R. May 31, 2026

Self-insurance only works if you actually set aside the money and don't touch it. Most people don't have that discipline.
Tom Weiler January 1, 2026

Large companies often self-insure for health benefits. They pay claims directly instead of paying premiums to an insurer.