23.1 Branching Scenario – Insurance Decision Simulator
수업 학습 목표:
- Risk Strategies – Avoid, Reduce, Retain, Transfer risk using real-life choices like helmets, savings, or buying renters insurance.
- Cost vs. Coverage – Premiums vs. Deductibles — understand that lower monthly cost usually means higher out-of-pocket bills after a loss.
- Match to Needs – Pick the right policy (health, auto, renters, life, warranties) based on what you own, your budget, and how likely something is to break or get stolen.
Read the Details – Fine-print facts (what’s covered, exclusions, term length) help you avoid paying for protection that won’t actually help.
주요 수업 정보:
- Four Ways to Manage Risk – Decide when to avoid, reduce, retain, or transfer a risk before paying for insurance.
- More Coverage, Higher Protection – Higher premiums mean lower surprise costs; choose the balance that fits your wallet today and tomorrow.
- Purpose-Built Policies – Auto = driving risk, Health = medical bills, Renters = your stuff, Life/Disability = family income — each covers a different need.
- Smart Shoppers Compare – Check deductibles, exclusions, and total cost (including extended warranties) so coverage truly protects what matters to you.
KO 
EN 
PT 
SW 
ML 
AR 
ZH 
ES 
EL 
ES_ES 
FR 
HI 
IT 
JA 
PT_PT 
PL 
DE 
LT 
UK 
KA 
DE_AT 
NB 
NN