1, control insurance liability. Defining the scope of insurance liability can well control the insured amount caused by psychological risk.
2. Provisions on deductible (rate). Absolute deductible (rate) means that only when the loss of the subject matter insured exceeds the amount or percentage stipulated in the insurance policy. This will also allow insurance companies to reduce losses. Psychological risk refers to the risk factors that increase the probability of risk accidents and expand the degree of loss due to people's carelessness and indifference. The psychological risk is uncontrollable. The main purpose of controlling the psychological risk of insurance companies is to reduce operating costs and achieve healthy development of the company's operations.