Insurance and risks
Тема: Insurance and risks
Цель урока:
учебная – совершенствование лексических
навыков по теме «Organized markets»;
формирование лексических навыков по текущей теме;
познавательная – понятие о бирже
финансовых фьючерсов, видах страхования.
Тип урока: комбинированный
- Вопросы по
теме «Organized markets »
- Where are organized markets
held? How is business transacted in these premises?
- Who is admitted to organized
markets?
- Do organized markets include
both produce markets and financial markets?
- What produce markets does the
text mention?
- What commodities are sold and
bought at produce exchanges?
- What two types of organized
markets do you know?
- What commodities does the spot
market deal in?
- What can you say about forward
and futures markets?
- What
is the difference between a forward contract and a future? (Forward is a
transaction in which some time elapses between purchase and conclusion of
the contract; future is a contract traded at the stock exchange).
- What
is an option? (The buyer can choose – to buy commodities in accordance
with the option or not to buy)
- What
is hedging? (insurance of price)
- What
securities do financial markets deal in?
- What can you say about
financial futures exchanges? When did they appear? Are they sophisticated?
- What
financial futures exchange in London
do you know? When was it created?
- What
two exchanges used Italian bonds for their business at that time?
- What
does the text say about Italian Government Bonds? – They went up because
the LIFFE and MATIF launched futures contracts on them.
- What
did the contracts generate? Did the publicity increase trading activity in
the cash market? What will these activities help to attract?
- What
can you say about the bond prices at the moment?
- What
is a belief about inflation, interest rates and bond yields in the UK and France?
- Did
you find the newspaper item easy to translate and understand?
- Опрос по
словам
- Презентация
новых слов по теме «Insurance and risks»
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1. To insure,
insurance covers risks
insured
insurer
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Cтраховать
Страховка покрывает риски
Застрахованный
Страховщик
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Nowadays insurance covers many risks: see
below.
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2. Risks:
The destruction of property (to destruct)
Losses arising from burglary and other causes
Motor vehicles
Third party claims arising out of accidents
Goods in transit
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Риски:
Разрушение имущества;
Убытки вследствие кражи со
взломом и других причин
Транспортные средства
Претензии третьих лиц
вследствие аварий
Товары в пути
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3. Past experience
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Прошлого опыта
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Past experience shows that probability of
many risks can be calculated with great accuracy.
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4. Probability of risks (probable)
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Вероятность рисков (вероятный)
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5. To calculate with great accuracy
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Считать очень точно
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6. To conduct insurance business
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Вести страховое дело
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Insurance companies conduct insurance
business. The insurance business includes the prospective insured, the
insurance broker, the insurer, an insurance policy.
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7. Exceptions
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Исключения
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The insurance policy sets out the exact terms
of the insurance transaction and any exceptions that may be.
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8. To undertake insurance against sickness
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Брать обязательства по страхованию на случай болезни
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In many countries the state undertakes
insurance against sickness, unemployment, old age.
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9. To deduct contributions
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Вычитать взносы
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The employees’ contributions are deducted
from their wages and salaries.
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10. Benefits
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Преимущества
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The main benefits of the insurance are:
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11. Retirement pensions
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Пенсии по старости
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12. Relief
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Пособие по безработице
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13. Maternity grant
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Пособие на рождение ребенка
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14. Industrial injuries
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Производственные травмы
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15. Family allowances
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Пособия многодетным семьям
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Вопросы по словам:
1 What types of risk are covered by insurance?
2. Can we calculate risks with great accuracy?
How is it possible?
3. What companies conduct an insurance
business? What persons take part in the insurance business?
2 What is an insurance policy?
3 How can I get an insurance policy if I want
to insure my property?
4. Who pays insurance against sickness, old
age, unemployment in developed countries?
4 What are the main benefits of the insurance?
5 Is insurance business very popular in Russia?
6 What insurance companies of our country do
you know?
7 What do people insure in Russia?
8 What is your attitude towards insurance?
9. Do you think it is a useful thing or all
insurers are cheaters?
- Прочитать
текст «Insurance and risks»
A great
variety of risks can nowadays be covered by insurance. Some of the commoner
risks which are usual for businesses and private individuals are as follows:
- the destruction of property by
fire
- losses arising from burglary or
other causes
- goods in transit
- motor vehicles
- third party claims arising out
of accidents.
From past
experience the probability of many risks can be calculated with great accuracy.
In Great Britain
insurance business is conducted by insurance companies. the client or the
prospective insured first approaches the insurance broker who then puts the
client in touch with the insurer.
The insurer issues an insurance policy for the
insured. It is a document setting out the exact terms and conditions of the
insurance transaction. It states the precise risk covered, the period of cover
and any exceptions there may be. the insured is to pay a premium the size of
which is state in the policy.
In many countries insurance against sickness, unemployment
and old age is undertaken by the state. In Great Britain this insurance is
undertaken by the state through the National Health Service. The employees’
contributions are deducted from their wages and salaries.
The main
benefits of this insurance include:
- retirement pensions
- unemployment benefits, or
reliefs
- sickness benefits
- maternity grants
- funeral grants
- industrial injuries
- family allowances
- Составить диалог
A prospective insured and an insurance broker
in the village. The insurance broker should persuade the prospective insured
into insuring the house in the village (house, furniture, computers, electronic
devices, TVs, radios, books, housewares ['haVsweqz] (дом. принадлежности).
Possible arguments:
Your house can be burnt down by wildfire (пожар), hurricanes ['hArIkqn], floods, gas explosion (gas-bags
are so small that it can be hardly dangerous), heavy rains, hailstorm (град);
water supply, sewerage ['s(j)u:(q)rIdZ], central heating (stove [stqVv]), electricity (candles, oil lamps)
breakdown)
Possible dialogue:
Insurance broker: Do you want to insure your dacha?
The Insured: No.
I. B. Why?
The Insured: It is expensive. All of you are cheaters.
I. B. Our insurance company is well known all over
the world. We exist for 100 years. Think over properly. We insure against
hurricanes ['hArIkqn],
flood.
The Insured: There is nothing of this kind in our area.
I. B. Our insurance covers fire, burglary.
The Insured: Perhaps. What is the premium?
I. B. Only 5000 rubles a year.
- Грамматика
- Домашнее задание
Выучить слова к уроку
Уметь рассказывать о
страховании по ключевым словам
Выполнить перевод
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1 Он уже застраховался от
ущерба в связи с кражей, когда пришла телеграмма о краже.
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He had insured against losses arising from
burglary when the telegram about burglary came.
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2 Имущество уже было уничтожено
огнем, когда приехали пожарные.
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The
property had been destructed by the fire when firemen came.
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3 Не успели третьи лица подать
жалобы, связанные с аварией, как страховая компания объявила о банкротстве.
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The third party hadn’t lodged the claims
arising out of the accident before the insurance company declared its
bankruptcy.
The insurance company declared its bankruptcy
before the third party had lodged the claim.
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4 Не прошло и двух недель с
момента оформления страхового полиса, как она заболела.
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She got
ill before two weeks had passed since the issue of the insurance policy.
Two weeks
hadn’t passed before she got ill.
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5 Не успел страховой брокер
связать клиента со страховой компанией, как клиент отказался от его услуг.
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The insurance broker hadn’t put the client in
touch with the insurer before the client rejected his services.
The client rejected the insurance broker’s
services before the insurance broker had got the client in touch with the
insurer.
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6 Не успело государство взять
на себя страховку от болезней, безработицы, по старости, как возросло
количество больных, безработных, старых.
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The government hadn’t undertaken insurance
against sickness, unemployment and old age before the number of ill
unemployed and old people increased.
The number of ill unemployed and old people
increased before the government had undertaken insurance against sickness,
unemployment and old age
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7 Не успел работодатель вычесть
взносы из зарплат сотрудников, как сотрудники обратились с жалобами к
генеральному уполномоченному.
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The employer hadn’t deducted contributions
from employees’ wages and salaries before employees lodged appeals to the
general commissioner.
Employees lodged appeals to the general commissioner
before the employer had deducted contributions from employees’ wages and
salaries.
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8 Не успел он получить пособие по
безработице и пособие по нетрудоспособности, а также выплаты многодетным
семьям, как компания оформила ему пособие на рождение ребенка.
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He hadn’t
get unemployment and sickness benefits and family allowances before the
company gave him maternity grant.
The company gave him maternity grant before
he had got unemployment and sickness benefits and family allowances.
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