Personal Accident Insurance
Akopọ
Most general insurance answers one question: how much did you actually lose? Personal accident insurance is different. It fixes the payout in advance, before anything has happened, because the things it protects, a life, a hand, an eye, cannot be given a market price. Break your leg on a building site and the cheque does not depend on receipts. It depends on a figure written into the policy the day you signed it.
In this lesson you will learn exactly which accidents a personal accident policy covers and which injuries it quietly excludes, the difference between an individual policy and the group scheme an employer buys for a whole workforce, how the benefit scale turns death, the loss of a limb or a few weeks off work into a stated percentage of the capital sum, and who in the Nigerian market actually buys this cover and why.
Awọn Afojusun
- Identify the risks covered by a personal accident policy
- Describe the forms of personal accident cover, including individual and group policies
- State the benefits payable on death, permanent disablement and temporary disablement
- Identify the typical buyers of personal accident insurance
Akọ̀wé Ẹ̀kọ́
Forúkọsílẹ̀ láti Tẹ̀síwájú
Ṣẹda àkọọlẹ ọfẹ kan láti wọlé sí gbogbo àwọn oríṣìíríṣìí ìkànsí ikẹ́kọ̀ọ́, àwọn ìbéèrè ìdánwò, àti láti tọpa ìlọsíwájú rẹ.
Ìdánwò Ẹ̀kọ́
Oriire fun ipari ẹkọ lori Personal Accident Insurance. Ni bayi ti o ti ṣawari naa awọn imọran bọtini ati awọn imọran, o to akoko lati fi imọ rẹ si idanwo. Ẹka yii nfunni ni ọpọlọpọ awọn adaṣe awọn ibeere ti a ṣe lati fun oye rẹ lokun ati ṣe iranlọwọ fun ọ lati ṣe iwọn oye ohun elo naa.
Iwọ yoo pade adalu awọn iru ibeere, pẹlu awọn ibeere olumulo pupọ, awọn ibeere idahun kukuru, ati awọn ibeere iwe kikọ. Gbogbo ibeere kọọkan ni a ṣe pẹlu iṣaro lati ṣe ayẹwo awọn ẹya oriṣiriṣi ti imọ rẹ ati awọn ogbon ironu pataki.
Lo ise abala yii gege bi anfaani lati mu oye re lori koko-ọrọ naa lagbara ati lati ṣe idanimọ eyikeyi agbegbe ti o le nilo afikun ikẹkọ. Maṣe jẹ ki awọn italaya eyikeyi ti o ba pade da ọ lójú; dipo, wo wọn gẹgẹ bi awọn anfaani fun idagbasoke ati ilọsiwaju.
- Personal accident insurance is best described as: A. A contract of indemnity B. A benefit policy C. A liability policy D. A property policy Answer: B
- Which of the following would a personal accident policy NOT pay for? A. A broken leg from a fall B. Loss of an eye in a road crash C. Time off work due to malaria D. Accidental death Answer: C
- Under a typical benefit scale, the loss of one limb is paid at: A. 100 per cent of the capital sum B. 75 per cent of the capital sum C. 50 per cent of the capital sum D. 25 per cent of the capital sum Answer: C
- A group personal accident policy is most often arranged by: A. An individual traveller B. An employer for its workforce C. A reinsurer D. A loss adjuster Answer: B
- A person holding two separate personal accident policies who is injured in one accident may: A. Claim only from the older policy B. Claim only a rateable share from each C. Claim the full benefit under both policies D. Claim nothing, as this is double insurance Answer: C
Forúkọsílẹ̀ láti Tẹ̀síwájú
Ṣẹda àkọọlẹ ọfẹ kan láti wọlé sí gbogbo àwọn oríṣìíríṣìí ìkànsí ikẹ́kọ̀ọ́, àwọn ìbéèrè ìdánwò, àti láti tọpa ìlọsíwájú rẹ.
Forúkọsílẹ̀ láti Tẹ̀síwájú
Ṣẹda àkọọlẹ ọfẹ kan láti wọlé sí gbogbo àwọn oríṣìíríṣìí ìkànsí ikẹ́kọ̀ọ́, àwọn ìbéèrè ìdánwò, àti láti tọpa ìlọsíwájú rẹ.
