| 摘要 |
<p>PURPOSE: To reduce costs by dividing insurance fees into a pool supplied with funds beforehand and indirect funds and receiving them in trust institutions. CONSTITUTION: All the allotted money (insurance fees) C1, C2,... of joined employers are received by the main trust institution 10' and divided into predetermined two parts, the first part is received by the pool 14 supplied with the funds beforehand and the second part is received by the indirect fund 16. In the pool supplied with the funds beforehand, a part of the allotted money C1, C2,... of the joined employers is used, a main life insurance policy is purchased from a life insurance institution 12 and then, the prescribed amount of life insurance is automatically purchased for the respective lives of registered employees under the main policy. The life insurance is widely used so as to supply the funds for payment before retirement, the payment after the retirement and the payment for physical disability. Thus, the costs are substantially reduced compared to self-insurance.</p> |
