实行绝对免赔制度的 两种方式都很平常 免赔制度(也就是折扣赔款制度)的实行是保险人进行风险管理有效控制经营风险的技术措施或手段之一,它可以促使每一位被保险人谨慎管理和运用自己投保的财产,假如因为自己疏忽和大意或者违规操作,造成保险事故,使被保险财产受损,尽管保险公司要给被保险人赔偿,但是被保险人自己也要依照事先约定为自己的过失或责任承担部分经济损失。当然,这并不是我国的独创,国际保险业在各种财产保险中都运用这种手段,而且其效果也是显而易见的。免赔有所谓相对免赔和绝对免赔,绝对免赔又可分为绝对免赔率和绝对免 The implementation of the absolute de-insurance system in both ways are very common De-claims system (that is, the discount compensation system) is the implementation of the insurer risk management Effective control of operational risk, one of the technical measures or means, it can prompt each insured People prudently manage and use their own insured property, if because of their negligence and careless or illegal operation, resulting in an accident, the insured property damage, although the insurer to give the insured compensation, but the insured themselves have to follow the prior Agreed to bear some of the economic losses for their own negligence or responsibility. Of course, this is not the original creation of our country. The international insurance industry has used such a measure in all kinds of property insurance and its effect is also obvious. Deductible with the so-called relative deductible and absolute deductible, absolute deductible can be divided into absolute deductible and absolutely free