### 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.
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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.