This lesson contains 29 slides, with interactive quizzes, text slides and 2 videos.
Lesson duration is: 120 min
Items in this lesson
risk avoiding people
tto 3
Praktische Economie C8.3
Slide 1 - Slide
We are playing a game! You can always, but you have to choose, among three opportunities
A
95% winning 10 euros
5% losing 100 euros
B
95% winning 1000 euros and 5% losing 10.000 euros
C
95% winning 1 euro
5% losing 10 euros
Slide 2 - Quiz
Slide 3 - Slide
What do you prefer? you can win 1000 euro or loose
A
10% losing 200 euro
90% winning
B
20% losing: 100 euro
80% winning
C
30% losing 50 euro
70% winning
D
40% losing 10 euro
60% winning
Slide 4 - Quiz
Slide 5 - Slide
Which words do you link to the term "insurance"?
Slide 6 - Mind map
We've insurances for...
Slide 7 - Mind map
A person has a lot of insurances for different risks… You call this person (before insurance)
A
insecure.
B
secure.
Slide 8 - Quiz
Which insurance companies do we know?
Slide 9 - Mind map
Do you have experienced an insurance/ or the working of an insurance?
Slide 10 - Mind map
0
Slide 11 - Video
Social insurances (based on collectivity)
(section 5.2)
Private insurances
Slide 12 - Slide
Use your own words to describe the principle of an insurance. Use these words: premium, insurance company, insured person, risk, damage.
Slide 13 - Open question
Different kind of risks...
There are clients without any serious damage...
And clients with a lot of damage...
Slide 14 - Slide
The amount of the premium is based on...
Slide 15 - Mind map
Statement: people with a higher risk should pay more premium compared to people with a low risk.
Slide 16 - Open question
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 17 - 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 18 - Slide
Assignments book
Answer the questions 2 up to and including 6, section 8.3.
Slide 19 - 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 20 - Slide
www.anwb.nl
Slide 21 - Link
So, before we take an insurance...
we compare the costs of the premium with the possible damage of the risk!
Slide 22 - 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 23 - Quiz
0
Slide 24 - Video
Use your phone: what's a no-claims bonus (in Dutch: bonus-malusregeling)?