22.1 Hotspot ya Picha - Chunguza Chaguzi za Bima

 

 

Malengo ya Somo:

  • Insurance Basics – Insurance = Protection from big costs when unexpected events happen.

  • Premium & Claim – Premium is what you pay regularly; claim is the money insurance pays you after a loss.

  • Key Costs – Deductible, copay, coinsurance decide how much you pay out-of-pocket before insurance helps.

  • Coverage Choices – Different policies (health, auto, renters, travel, liability) cover different risks; choose what fits your life and budget.

Habari Muhimu ya Somo:

  • Shares Risk – By pooling premiums, insurance spreads financial risk so one accident doesn’t wreck your savings.

  • Right Policy Matters – Pick coverage for the things you own and the people who rely on you.

  • Costs Vary – Age, location, habits, and plan type change how much you pay; low premium often means high deductible.

Be Prepared – Knowing terms like premium, deductible, copay, coinsurance and checking for recalls keeps you protected and in control.

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