| 摘要 |
<p>The system for providing insurance services comprises insurer servers which are connected to an insurance manager station by a two-way communications channel, wherein said insurance manager station is provided with means for selecting and/or inputting data relating to an insured, for whom different insurance objects are selected on the basis of a unity of property interests and a single liability limit for the selected insurance objects is determined. The insurance manager station is also provided with means for processing an insurance claim relating to any of the selected insurance objects, including repeat claims relating to the same insurance object, determining, within the single liability limit, the insurance indemnity which is to be paid to the insured taking into account the insured value of the insurance object in question and the damages incurred by the insured, and reducing the liability limit by the amount of the insurance indemnity paid with the possibility of subsequently increasing the liability limit, wherein data relating to the insured and his insurance history is transmitted to the server via communications channels.</p> |
