摘要：The insurance model with zero deductible is reviewed and analyzed, and the conditions, whereas the assets risk holder with a neutral position to a risk itself prefers to refuse from risk insuring or vice-verso prefers to fully insure his asset, are examined.The model to determine the optimal insuring level has been built. Also the expected insurance efficiency is analyzed in a type of a nonlinear function that may get different values according to its variable (refuse of insuring, full asset insurance, and partial asset loose).It is shown that when insuring the full asset insurance efficiency with deductible differs from expected efficiency without deductible. The conditions when it is advantageous to insure the asset without deductibles are determined. The ability to apply models for Ukrainian law-allowed insurance types is analyzed.
其他摘要：В статье выполнен анализ научной, правовой, профессиональной литературы, взглядов ученых на природу страхования.Предложен один из возможных вариантов информационной модели страхования активов для применения в Украине.Исследовано возможность применения модели для различных предусмотренных законодательством Украины видов страхования.
