Summary
Samenvatting Risk En Verzekeringen
- Course
- Institution
Dit is een samenvatting van het vak risk management, valt onder waardering & overdracht. In de documenten zitten voorbeelden en notities uit de les
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VOORBEELD auto accidentenEXAMEN !
Hoe premie vastleggen: in de groep vragen hoeveel mensen auto pert totaal rijden (10% zal 50.000
nodig hebben, 29% hebben carrosserie schade, 70% niets)
7000,- = EMV = verwachtingsschade binnen bepaalde context of verhaal (kans x impact)
K x I(€) = Risico
10% -> 50.000 = 5000
20% -> 10.000 = 2000
70% -> 0 =0
7000 (risico component) - (investering mag dit
bedrag niet overschrijden)
+ winst vb. 2000,- wil verdienen
(verzekeringsmakelaar)
+ kost component vb. 1000,- (marketing,
personeel, gebouwen,..)
Premie totaal = 10.000,-
Hoe groter risico component, hoe kleiner winst.
Hoe kleiner risico component, hoe groter winst voor de verzekeringsmaatschappij.
Als kans wegvalt, of het is 100%, dan gaan ze je niet willen verzekeren.
Uit premie komt een polis (contract tussen maatschappij en gebruiker)
- algemene voorwaarden: iedereen
- bijzondere voorwaarden: wat specifiek opleggen aan klant
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