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Summary

Samenvatting Risk En Verzekeringen

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Uploaded on
06-11-2022
Written in
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Dit is een samenvatting van het vak risk management, valt onder waardering & overdracht. In de documenten zitten voorbeelden en notities uit de les

Institution
Arteveldehogeschool (Artevelde)
Course
Risk En Verzekeringen

Content preview

VOORBEELD auto accidenten


EXAMEN !

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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Written for

Institution
Arteveldehogeschool (Artevelde)
Study
KMO-management
Course
Risk En Verzekeringen

Document information

Uploaded on
November 6, 2022
Number of pages
1
Written in
2022/2023
Type
SUMMARY

Subjects

  • risico
  • kans
  • proces
  • verzekeringen
  • impact
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