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Economie samenvatting h11 economie integraal
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, § 1risico → meetbare onzekerheid
t risico -
aversie → hoe hoger je aversie hoe minder risico's
je wil
m dend
→
risico - → risico's willen verm den
risico -
neutraal → noch risico's, noch m dend
risico -
zoekend → risico's willen hebben
verzekeringspolis
1) De premie
2) wat is wel / niet verzekerd
?
3) hoeveel wordt er
vergoed
4)
Eigen risico
1 uit
De
premie is
opgebouwd 3 delen :
Basispremie
poliskosten ( → administratiekosten
+
(→ & h )
+ 21% assurantie
belasting wordt bepaalt door B.p .
p. .
+ Totaal
> ( alleen mee reken wat staat )
aangegeven
er
§ z
2
verplichte verzekeringen
1)
zorgverzekering vanaf 18g "
2) auto /motor / brommer
( wetten l k aansprakel k )
verzekering
=
wa -
,
0 De rest is
vr willig , Dit moet
je zelf
afwegen
informatie asymmetrie -
→ verschillende
beide
info / verhalen vanaf
↳ part en
De verzekeraar
heeft alt d een
informatie achterstand
De verzekeraar weten
wil 2
dingen :
'
1) verzekeraar wil
gemengd klantenbestand
↳ 2 Categorieën :
goede risico's b dan hebben / kosten
→
Dragen meer ze
nodig .
niet
Z hebben De
verzekering nodig .
Slechte risico's → Kosten dan dat
meer ze
b dragen aan
verzekering .
Z hebben De
verzekering nodig
ijij
ij
ijijij
ij ijij
ij
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