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Summary Hoofstuk 10: Versekering
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DBE Gr12 Besigheidstudies (AFR) Handboek word as hulpbron gebruik vir die opsomming van Hoofstuk 10: Versekering
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BESIGHEIDSTUDIESGRAAD 12
HOOFSTUK 10:
VERSEKERING
, HOOFSTUK 10: VERSEKERING
1. Betekenis van versekering
• Versekering verwys na dekking vir ‘n moontlike gebeurtenis wat ‘n
gespesifiseerde verlies kan veroorsaak.
• ‘n Ooreenkoms waarin die versekeraar onderneem om die versekerde
skadeloos te stel in die geval van ‘n gespesifiseerde verlies.
• Die versekerde moet ‘n premie betaal om beskerm te wees teen
gespesifiseerde verliese.
• ‘n Kontrak tussen ‘n versekerde wat dekking wil hê en die versekeraar wat
die finansiële risiko sal dra.
‘n Versekeringsmaatskappy wat gespesifiseerde
risiko’s van ‘n persoon sal oorneem om hulle
Versekeraar
skadeloos te stel indien die persoon premies
betaal.
Versekerde ‘n Persoon wat sy bates of lewe verseker.
‘n Dokument wat deur die versekeraar aan die
Versekeringskontrak versekerde uitgereik word en wat al die
bepalings van die kontrak bevat.
Die bedrag geld wat maandeliks/jaarliks deur die
Premie versekerde aan die versekeraar betaal word vir
skadeloosstelling.
Korttermynversekering sluit ‘n klousule in wat stel
dat die versekerde verantwoordelik is vir ‘n vaste
Bybetaling
bedrag van die eis wanneer ‘n eis ingedien word
by die versekeraar.
Risiko Moontlikheid van verliese of skade.
Die bedrag geld waarop die versekerde en
versekeraar ooreengekom het om die
Versekerde waarde
bates/lewe te verseker toe die kontrak geteken
is.
Die koopprys van ‘n bate minus
Boekwaarde
waardevermindering.
‘n Bepaling in die polis wat die
Klousule
versekeraar/versekerde bind.
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