Maak telkens de extra oefeningen per hoofdstuk
Inhoud: Risk Management
HOOFDSTUK 1: Risico's & risk management................................5
1.1 Bescherming & zekerheid...................................................................5
Oefening: risicobeheer en menselijke behoeften...................................5
Oefening 2 van risicobeheer en menselijke behoeften:.........................6
1.2 Risico..................................................................................................6
1.3 Risicomanagement.............................................................................7
1.3.2 Definitie........................................................................................7
1.3.3 Risk appetite.................................................................................8
1.3.4 Risk bearing capacity....................................................................8
1.4 Verzekeringsindustrie..........................................................................8
1.5 Toepassing..........................................................................................9
1.5.1 Uitgangspunten van het risicomanagementproces......................9
1.6 Doelstelling.......................................................................................10
1.7 Risico-identificering..........................................................................10
Oefening:.............................................................................................11
1.7.1 Eerste research stappen.............................................................11
1.7.2 SWOT-analyse.............................................................................12
Oefening: risicoanalyse met PIOFACH-checklist...................................12
Oefening 2: risicoanalyse met PIOFACH-checklist................................13
Oefening: risicoanalyse met vijfkrachtenmodel:..................................13
1.8 Risico-inschatting..............................................................................14
Oefening risico-inschatting..................................................................14
1.9 Risicobeoordeling..............................................................................15
1.9.1 Verwachtte-waardemethode.......................................................15
Oefening: verwachte-waardemethode:................................................16
Oefening: verwachte-waardemethode:................................................17
1.10 Risico-reactie en beheersmaatregelen...........................................19
1.10.1 Wettelijke voorschriften............................................................20
1.10.2 vier opties.................................................................................20
1.11 Risico-monitoring............................................................................22
HOOFDSTUK 2: Verzekeringen..................................................23
,Maak telkens de extra oefeningen per hoofdstuk
2.1 Persoonsverzekering.........................................................................23
2.1.1 De levensverzekering.................................................................23
2.1.2 Andere dan levensverzekering...................................................23
2.2 Schadeverzekering...........................................................................23
2.2.1 Zaakverzekering.........................................................................24
2.2.2 Aansprakelijkheidsverzekering...................................................24
2.2.3 Rechtsbijstandsverzekering........................................................24
2.3 Verschillende dekkingen mogelijk.....................................................25
Oefening 1...........................................................................................26
Oefening 2...........................................................................................26
2.4 Verschilpunten qua uitkering............................................................26
2.5 De verzekeringsovereenkomst..........................................................27
2.5.1 De partijen..................................................................................27
2.5.2 De overeenkomst........................................................................27
2.5.3 Uitsluitingen................................................................................28
Oefening..............................................................................................29
2.6 Verplichtingen van de verzekeringsnemer........................................29
2.7 Verplichtingen van de verzekeraar...................................................30
HOOFDSTUK 3: Schadeverzekering...........................................30
3.1. Zaakverzekeringen..........................................................................31
3.1.1. Algemene regels........................................................................31
3.1.2. Brandverzekering.......................................................................31
Oefening..............................................................................................33
3.1.3. Bedrijfsschadeverzekering.........................................................34
Oefening..............................................................................................35
3.1.4. Omniumverzekering..................................................................35
Oefening..............................................................................................36
3.1.5. Kredietverzekering.....................................................................37
Oefening..............................................................................................40
3.1.6. Cyber & fraude..........................................................................41
3.2. Aansprakelijkheidsverzekeringen.....................................................43
3.2.1. Algemene regels........................................................................44
3.2.2. Verzekering BA ondernemen.....................................................44
,Maak telkens de extra oefeningen per hoofdstuk
Oefening..............................................................................................45
3.2.3. Aansprakelijkheidsverzekering over brand & ontploffing...........46
3.2.4. Motorrijtuigenverzekering..........................................................46
Oefening..............................................................................................48
3.3. Rechtsbijstandsverzekeringen.........................................................49
3.3.1. Algemene regels........................................................................49
HOOFDSTUK 4: PERSOONSVERZEKERING...................................51
4.1 Levensverzekering (LV).....................................................................51
4.1.1 Partijen........................................................................................51
4.1.2. De premie..................................................................................53
4.1.3. Enkele toepassingen..................................................................53
4.1.4. Fiscaliteit van de levensverzekering..........................................54
4.2. Hospitalisatieverzekering – voorbeeld persoonsverzekering...........57
4.2.1. Stopzetting & wachttijd.............................................................58
4.2.2. Welke factoren spelen een rol?..................................................58
4.2.3. Duurtijd......................................................................................58
4.2.4. Posthospitalisatie.......................................................................58
4.2.5. Andere uitsluitingen...................................................................59
4.3. Arbeidsongevallen – voorbeeld persoonsverzekering......................59
4.3.1. Voor wie van toepassing............................................................59
4.3.2. Tussenkomst..............................................................................59
4.4. Gewaarborgd inkomen – voorbeeld persoonsverzekering...............60
KREDIETVERZEKERING.............................................................60
📘 Wat is een kredietverzekering?..........................................................60
💰 Hoe wordt de premie bepaald?..........................................................61
🌍 Landenkeuze......................................................................................61
🏢 Belangrijke spelers in België..............................................................61
🔍 Drie hoofdtakken van kredietverzekering..........................................62
🧠 Praktische toepassing (oefening).......................................................62
GASTSPREKER CREDENDO........................................................63
Wat is Credendo?....................................................................................63
Waarom kredietverzekering?..................................................................63
Betalingsmechanismen in internationale handel....................................63
, Maak telkens de extra oefeningen per hoofdstuk
Wat doet kredietverzekering concreet?..................................................63
Soorten kredietverzekering.....................................................................64
Publiek vs. privé......................................................................................64
Extra oplossingen van Credendo............................................................64
Kernidee om te onthouden......................................................................64
1. Wat is kredietverzekering (herhaling + verdieping)............................64
2. Publieke vs. private kredietverzekering..............................................65
Publiek (Credendo ECA).......................................................................65
Privé (Credendo Trade Credit Insurance).............................................65
3. Short term (ST) vs. Medium/Long term (MLT).....................................65
ST kredietverzekering..........................................................................65
MLT kredietverzekering........................................................................65
4. Single Risk vs. Whole Turnover...........................................................65
Single Risk...........................................................................................65
Whole Turnover....................................................................................66
5. Comprehensive policy (belangrijk!)....................................................66
Mogelijke uitbreidingen........................................................................66
6. Rol van banken & “loss payee”...........................................................66
7. Andere ST-oplossingen........................................................................67
Top-up cover........................................................................................67
Excess-of-Loss (XoL)............................................................................67
8. Surety (borgstellingen).......................................................................67
Soorten................................................................................................67
Kenmerken...........................................................................................67
9. Praktische cases (essentie).................................................................67
Kernboodschap om te onthouden...........................................................68
Riskmanagement
Algemeen: examen is 60% schriftelijk, gesloten boek, theorie + oefeningen, let
op het gebruik van de juiste vaktermen! & voor vragen stuur gerust een
berichtje naar mevrouw.
Inhoud: Risk Management
HOOFDSTUK 1: Risico's & risk management................................5
1.1 Bescherming & zekerheid...................................................................5
Oefening: risicobeheer en menselijke behoeften...................................5
Oefening 2 van risicobeheer en menselijke behoeften:.........................6
1.2 Risico..................................................................................................6
1.3 Risicomanagement.............................................................................7
1.3.2 Definitie........................................................................................7
1.3.3 Risk appetite.................................................................................8
1.3.4 Risk bearing capacity....................................................................8
1.4 Verzekeringsindustrie..........................................................................8
1.5 Toepassing..........................................................................................9
1.5.1 Uitgangspunten van het risicomanagementproces......................9
1.6 Doelstelling.......................................................................................10
1.7 Risico-identificering..........................................................................10
Oefening:.............................................................................................11
1.7.1 Eerste research stappen.............................................................11
1.7.2 SWOT-analyse.............................................................................12
Oefening: risicoanalyse met PIOFACH-checklist...................................12
Oefening 2: risicoanalyse met PIOFACH-checklist................................13
Oefening: risicoanalyse met vijfkrachtenmodel:..................................13
1.8 Risico-inschatting..............................................................................14
Oefening risico-inschatting..................................................................14
1.9 Risicobeoordeling..............................................................................15
1.9.1 Verwachtte-waardemethode.......................................................15
Oefening: verwachte-waardemethode:................................................16
Oefening: verwachte-waardemethode:................................................17
1.10 Risico-reactie en beheersmaatregelen...........................................19
1.10.1 Wettelijke voorschriften............................................................20
1.10.2 vier opties.................................................................................20
1.11 Risico-monitoring............................................................................22
HOOFDSTUK 2: Verzekeringen..................................................23
,Maak telkens de extra oefeningen per hoofdstuk
2.1 Persoonsverzekering.........................................................................23
2.1.1 De levensverzekering.................................................................23
2.1.2 Andere dan levensverzekering...................................................23
2.2 Schadeverzekering...........................................................................23
2.2.1 Zaakverzekering.........................................................................24
2.2.2 Aansprakelijkheidsverzekering...................................................24
2.2.3 Rechtsbijstandsverzekering........................................................24
2.3 Verschillende dekkingen mogelijk.....................................................25
Oefening 1...........................................................................................26
Oefening 2...........................................................................................26
2.4 Verschilpunten qua uitkering............................................................26
2.5 De verzekeringsovereenkomst..........................................................27
2.5.1 De partijen..................................................................................27
2.5.2 De overeenkomst........................................................................27
2.5.3 Uitsluitingen................................................................................28
Oefening..............................................................................................29
2.6 Verplichtingen van de verzekeringsnemer........................................29
2.7 Verplichtingen van de verzekeraar...................................................30
HOOFDSTUK 3: Schadeverzekering...........................................30
3.1. Zaakverzekeringen..........................................................................31
3.1.1. Algemene regels........................................................................31
3.1.2. Brandverzekering.......................................................................31
Oefening..............................................................................................33
3.1.3. Bedrijfsschadeverzekering.........................................................34
Oefening..............................................................................................35
3.1.4. Omniumverzekering..................................................................35
Oefening..............................................................................................36
3.1.5. Kredietverzekering.....................................................................37
Oefening..............................................................................................40
3.1.6. Cyber & fraude..........................................................................41
3.2. Aansprakelijkheidsverzekeringen.....................................................43
3.2.1. Algemene regels........................................................................44
3.2.2. Verzekering BA ondernemen.....................................................44
,Maak telkens de extra oefeningen per hoofdstuk
Oefening..............................................................................................45
3.2.3. Aansprakelijkheidsverzekering over brand & ontploffing...........46
3.2.4. Motorrijtuigenverzekering..........................................................46
Oefening..............................................................................................48
3.3. Rechtsbijstandsverzekeringen.........................................................49
3.3.1. Algemene regels........................................................................49
HOOFDSTUK 4: PERSOONSVERZEKERING...................................51
4.1 Levensverzekering (LV).....................................................................51
4.1.1 Partijen........................................................................................51
4.1.2. De premie..................................................................................53
4.1.3. Enkele toepassingen..................................................................53
4.1.4. Fiscaliteit van de levensverzekering..........................................54
4.2. Hospitalisatieverzekering – voorbeeld persoonsverzekering...........57
4.2.1. Stopzetting & wachttijd.............................................................58
4.2.2. Welke factoren spelen een rol?..................................................58
4.2.3. Duurtijd......................................................................................58
4.2.4. Posthospitalisatie.......................................................................58
4.2.5. Andere uitsluitingen...................................................................59
4.3. Arbeidsongevallen – voorbeeld persoonsverzekering......................59
4.3.1. Voor wie van toepassing............................................................59
4.3.2. Tussenkomst..............................................................................59
4.4. Gewaarborgd inkomen – voorbeeld persoonsverzekering...............60
KREDIETVERZEKERING.............................................................60
📘 Wat is een kredietverzekering?..........................................................60
💰 Hoe wordt de premie bepaald?..........................................................61
🌍 Landenkeuze......................................................................................61
🏢 Belangrijke spelers in België..............................................................61
🔍 Drie hoofdtakken van kredietverzekering..........................................62
🧠 Praktische toepassing (oefening).......................................................62
GASTSPREKER CREDENDO........................................................63
Wat is Credendo?....................................................................................63
Waarom kredietverzekering?..................................................................63
Betalingsmechanismen in internationale handel....................................63
, Maak telkens de extra oefeningen per hoofdstuk
Wat doet kredietverzekering concreet?..................................................63
Soorten kredietverzekering.....................................................................64
Publiek vs. privé......................................................................................64
Extra oplossingen van Credendo............................................................64
Kernidee om te onthouden......................................................................64
1. Wat is kredietverzekering (herhaling + verdieping)............................64
2. Publieke vs. private kredietverzekering..............................................65
Publiek (Credendo ECA).......................................................................65
Privé (Credendo Trade Credit Insurance).............................................65
3. Short term (ST) vs. Medium/Long term (MLT).....................................65
ST kredietverzekering..........................................................................65
MLT kredietverzekering........................................................................65
4. Single Risk vs. Whole Turnover...........................................................65
Single Risk...........................................................................................65
Whole Turnover....................................................................................66
5. Comprehensive policy (belangrijk!)....................................................66
Mogelijke uitbreidingen........................................................................66
6. Rol van banken & “loss payee”...........................................................66
7. Andere ST-oplossingen........................................................................67
Top-up cover........................................................................................67
Excess-of-Loss (XoL)............................................................................67
8. Surety (borgstellingen).......................................................................67
Soorten................................................................................................67
Kenmerken...........................................................................................67
9. Praktische cases (essentie).................................................................67
Kernboodschap om te onthouden...........................................................68
Riskmanagement
Algemeen: examen is 60% schriftelijk, gesloten boek, theorie + oefeningen, let
op het gebruik van de juiste vaktermen! & voor vragen stuur gerust een
berichtje naar mevrouw.
