Types of Hazard can be divided be 3 catagories;
1. Physical Hazard
: That are physical properties that allow or encourage a lot more damage such as
- House in the slums would have to risk of fire than the isolated house with extensive grounds.
- Professional racer sole risk of death or injury than a bank manager.
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2. Moral Hazard
: The conditions are at higher risk of mental condition of the person. The action is no moral or dishonest. The hope is one of the benefits of insurance coverage such as
- Another corruption of the property insured by the insured to hope to get compensation from the insurer.
3. Morale Hazard
: The conditions in which the person is trying to do or not do to minimize the risk or reduces damage or condition that caused the damage was deliberate but due to lack of security precautions.
This article presents a higher risk caused by psychological conditions like Moral Hazard but it is not intended as an act of corruption. It caused by person's habit. such as
- Negligence; smoking in bed sleeping
- Do not put the incense or candles before leaving home.
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