Slide 1: Training 5: Risk protection & insurance literacy
Training 5: Risk protection & insurance literacy Managing and hedging risks 1
Slide 2: Statutory health insurance
Statutory health insurance Insurance principle Insured Premium Total 100 EUR 230 EUR 23.000 + - In case of damage Number of sick Treatment costs Total persons 25 EUR 300 EUR 7.000 80 EUR 300 EUR 24.000 Training 5/Advanced: Risk protection & insurance literacy – managing and hedging risks/presentatio
Slide 3: Solidarity principle in Germany
Solidarity principle in Germany • All insured persons jointly bear the insured risks • Regardless of how much the insured paid to social security: You are covered to a comprehensive degree • This solidarity approach creates a balance − Between the healthy and the sick − Between high-income and lower
Slide 4: Insurance principle in Germany
Insurance principle in Germany Equivalence principle* Check to what extent the compulsory insurances protect your financial risks and what you can do in addition to mitigate further risks Solidarity principle legal duty insurances Voluntary insurance Health insurance Private health insurance Long-te
Slide 5: What if?
What if? Always analyze and re-assess risk scenarios anew in order to find the right way to manage Training 5/Advanced: Risk protection & insurance literacy – managing and hedging risks/presentation/page 5 5
Slide 6: Miscalculation of risks/Risk avoidance
Miscalculation of risks/Risk avoidance Training 5/Advanced: Risk protection & insurance literacy – managing and hedging risks/presentation/page 6 6
Slide 7: Fare evasion is a criminal offense
Fare evasion is a criminal offense • Recording of personal data by inspection personnel/by police • Fine • Notification to the public prosecutor's office • Investigations by the public prosecutor's office • Hearing before the juvenile court judge with sentencing to a fine, community service or "That
Slide 8: Allianz Finance Workout Tips
Allianz Finance Workout Tips Mitigate further risks. Examine to what extent Only conclude insurances the statutory insurances that you really need in cover your financial risks your particular life and what you can do in situation addition to When it comes to financial matters, it is advisable to Al
Slide 9: Thank you for your attention!
Thank you for your attention! 9