Insurances

Insurances

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Praktische Economie C8.3

R. Schroe

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EconomieMiddelbare schoolvwoLeerjaar 3

This lesson contains 27 slides, with interactive quizzes, text slides and 2 videos.

time-iconLesson duration is: 120 min

Items in this lesson

Insurances

tto 3

Praktische Economie C8.3

R. Schroe

Slide 1 - Slide

Which words do you link to
the term "insurance"?

Slide 2 - Mind map

We've insurances for...

Slide 3 - Mind map

A person has a lot of insurances for different risks…
You call this person (before insurance)
A
insecure.
B
secure.

Slide 4 - Quiz

Which insurance companies
do we know?

Slide 5 - Mind map

Which insurance is important
to have in life?

Slide 6 - Mind map

0

Slide 7 - Video

Social insurances (based on collectivity)
(section 5.2)
Private insurances

Slide 8 - Slide

Use your own words to describe the principle of an insurance.
Use these words: premium, insurance company, insured person, risk, damage.

Slide 9 - Open question

Different kind of risks...

There are clients without any serious damage...

And clients with a lot of damage...

Slide 10 - Slide

The amount of the
premium is based on...

Slide 11 - Mind map

Statement: people with a higher risk should pay more premium compared to people with a low risk.

Slide 12 - Open question

Slide 13 - Link

Questions:
1. How much is the premium (2018) for the “basisverzekering” with CZ? 
2. What’s covered through the “basisverzekering”? 
3. Which additional insurances are possible with CZ? 
4. How much are the costs for these optional insurances?

Make a short story/ summary about the health care insurance, based on the questions above!

Slide 14 - Slide

Voluntary excess/ deductible
How does it work?
When do you choose for a voluntary excess?
Use your phone to answer these questions.
("own risk")

Slide 15 - Slide

Health care premium
Premium basisverzekering:                                         € 115.00 ​ 
Premium additional insurances:​ 
     Dentist                                                                               €  20.00​ 
     Physio                                                                                €  10.00​ 
​Discount because of a voluntary deductible:      €  12.50​ ​ 
Total premium                                                                                       € 132.50​

Slide 16 - Slide

Assignments book
Answer the questions 1 up to and including 6, section 8.3.

Slide 17 - Slide

The car insurance
Use your phone. 
1. What’s the difference between WA, WA-plus (“limited casco”) and “WA-full casco” (all-risk) insurances? 
2. Which factors determine the premium? 
3. Which of these three is obliged? Explain. 

Slide 18 - Slide

Slide 19 - Link

So, before we take an insurance...
we compare the costs of the premium with the possible damage of the risk!

Slide 20 - Slide

Scooter riders who sustain damage or losses will receive a payment that is funded by the premiums of all scooter riders.
Why will not all of the premiums be used to pay for claims?
A
Otherwise, you don't make profit.
B
Because you need to cover other costs (wage), too.
C
A and B are correct.

Slide 21 - Quiz

0

Slide 22 - Video

Use your phone:
what's a no-claims bonus (in Dutch: bonus-malusregeling)?

Slide 23 - Open question

Slide 24 - Slide

Calculate the premium
  • Step 1: which scale? --> check the discount
  • Step 2: add the policy fees
  • Step 3: add the tax
  • So, (premium + policy fees) x 1.21

Slide 25 - Slide

Assignments book
Answer assignments 9 and 10 section 8.3

Slide 26 - Slide

So, insurances
  • are based on solidarity
  • can result in specific behaviour
  • fraud?

Slide 27 - Slide