Lesson Plan for Senior Secondary 1 - Insurance - Insurance Claim

### Senior Secondary 1 Insurance Lesson Plan: Understanding Insurance Claims #### Subject: Commerce/Economics #### Topic: Insurance Claims #### Duration: 60 minutes #### Learning Objectives: 1. Explain what an insurance claim is. 2. Understand the process of filing an insurance claim. 3. Identify the necessary documentation for filing a claim. 4. Discuss common types of insurance claims and examples. 5. Analyze the reasons why insurance claims might be denied. #### Materials: - Whiteboard and markers - Projector and computer (for slides/video) - Handouts on types of insurance claims and required documentations - Sample claim forms - Case study scenarios #### Lesson Outline: **Introduction (10 minutes)** 1. **Welcome and Attendance:** Begin by greeting the students and taking attendance. 2. **Engage:** Ask students if they or their families have ever had to file an insurance claim, and what the process was like. 3. **Objective Setting:** Briefly outline the objectives of the lesson. **Direct Instruction (20 minutes)** 1. **Definition and Purpose:** - Explain what an insurance claim is: a formal request to an insurance company for coverage or compensation for a covered loss or policy event. - Discuss the role of insurance in mitigating financial risk. 2. **Process of Filing a Claim:** - Step-by-step explanation: Contacting the insurer, completing a claim form, providing evidence of the incident, receiving an adjuster’s assessment, and claim approval/denial. - Discuss the timeline from filing to resolution. 3. **Documentation Required:** - Present the typical documents needed such as the policy number, identification, incident report, proof of loss, receipts, and photographs. 4. **Types of Insurance Claims:** - Provide examples of common insurance claims: auto, home, health, and life insurance claims. - Show visuals or short videos illustrating these claims. **Guided Practice (20 minutes)** 1. **Interactive Case Study:** - Split the students into small groups and provide each group with a different case study scenario. - Each group will study the scenario, identify the type of insurance involved, and determine the steps and documents needed to file a claim. 2. **Group Presentations:** - Each group will present their case and findings to the class. - Discuss as a class whether they’ve identified all necessary steps and documents correctly. **Independent Practice (5 minutes)** 1. **Worksheet Activity:** - Distribute a worksheet with questions about the process of filing an insurance claim and ask students to complete it individually. **Review and Closing (5 minutes)** 1. **Summarize Key Points:** - Recap the main topics covered: definition, process, documentation, types of claims, and reasons for claim denial. 2. **Q&A:** - Open the floor to any questions from the students. 3. **Homework Assignment:** - Ask students to write a short essay on a potential real-life scenario where they might need to file an insurance claim; identify the type of insurance, the process they would follow, and the documentation required. #### Assessment: - **Formative:** Observe group work during the case study activity to assess understanding and engagement. - **Summative:** Evaluate the completed worksheets and homework essays to gauge individual comprehension of the lesson's objectives. #### Extensions: - **Advanced Assignment:** Have students research a high-profile insurance claim case and present their findings on the claim’s process, challenges, and the outcome. - **Guest Speaker:** Invite an insurance professional to speak to the class about real-life examples of claims and provide practical tips for dealing with insurance companies. --- This lesson plan is designed to give Senior Secondary 1 students a comprehensive understanding of insurance claims, a crucial aspect of financial literacy. Adjustments can be made based on class size, student needs, and available resources.