Optimum analysis model in the case of deductible insurance

An insurance policy deductibility effectively direct the effort focuses only compensation for damage to large losses. Any other contract of insurance will reimburse more levels lower losses, reducing necessarily in the insurance indemnity for losses. The optimal level of direct deductibility of insurance for large risks relevant highlights. Lower risks, ie risks whose potential maximum loss deduction is less than optimal, it should be ensured. The same applies to the insurance for different types of losses when coated under various insurance policies.