Class: Senior Secondary School 2 (SS2 / SSS2)
Term: Third Term
Week: 10
Age: 16 years
Duration: 45 minutes
Subject: Insurance
Curriculum Theme: Insurance Principles and Applications
Previous Lesson: Whole Life Assurance: Uses, Premium Payment and Maturity.
Topic: Personal accidents: Insurance Cont.
Subject Matter: Perils covered (accidental injury, disability, death, and others), benefits provided

Specific Objectives

By the end of the lesson, pupils should be able to:

Cognitive Domain:

Identify the perils covered under personal accident insurance.
State the benefits provided by personal accident insurance.
Outline the simple claim process for personal accident insurance.

Affective Domain:

Appreciate the importance of personal accident insurance in managing risks.
Develop an interest in understanding insurance policies.

Psychomotor Domain:

List various perils and benefits associated with personal accident insurance.
Discuss claim scenarios related to personal accident insurance.

Share knowledge about personal accident insurance with peers and family.
Participate actively in class discussions about insurance.

Reference Materials

The following resources were used in planning this lesson:

Senior Secondary Schools Education Curriculum
State Unified Scheme of Work
Comprehensive Insurance for Senior Secondary Schools by A. O. Adekunle
https://www.education.gov.ng/curriculum
https://www.nigeriainfopedia.com/insurance_textbook_ss2

Instructional Materials

The teacher will teach this lesson with the aid of:

Specimen of a personal accident insurance policy document
Chart illustrating perils and benefits
Whiteboard/chalkboard
Markers/chalk

Rationale for the Lesson

This lesson helps pupils understand how personal accident insurance protects individuals against financial losses from unforeseen accidents. It enables them to identify what is covered and the benefits received, which is important for personal financial planning and risk management.

Prerequisite/Previous Knowledge

Pupils should have a basic understanding of insurance concepts and the general purpose of personal accident insurance from previous lessons.

Lesson Content/Board Summary

Personal Accident Insurance: Perils Covered and Benefits Provided

Perils Covered under Personal Accident Insurance

Personal accident insurance provides coverage for various unexpected events that result in bodily injury or death. These covered events are known as perils.

The following are common perils covered by personal accident insurance:

Accidental Death: Coverage for death resulting directly from an accident.
Permanent Total Disablement: Compensation if an accident causes permanent and complete inability to work or perform daily activities.
Permanent Partial Disablement: Compensation for partial but permanent loss of function, such as loss of a limb or sight in one eye.
Temporary Total Disablement: Payments for a period when the insured cannot work due to an accident, but is expected to recover fully.
Accidental Bodily Injury: Coverage for injuries sustained directly due to an accident.
Medical Expenses: Reimbursement for medical costs incurred due to an accident, up to a specified limit.

Benefits Provided by Personal Accident Insurance

The benefits provided by personal accident insurance are the financial compensations or services offered to the insured person or their beneficiaries upon the occurrence of a covered peril.

The following are common benefits provided by personal accident insurance:

Lump Sum Payment for Accidental Death: A specified sum paid to the beneficiaries if the insured dies as a result of an accident.
Lump Sum Payment for Permanent Disablement: A percentage of the sum insured paid for permanent total or partial disablement.
Weekly Benefits for Temporary Disablement: Regular payments for a specified period while the insured is temporarily unable to work due to an accident.
Reimbursement of Medical Expenses: Payment for hospital bills, doctor’s fees, medication, and other related medical costs up to a defined limit.
Repatriation Expenses: Coverage for costs associated with transporting the insured’s remains if death occurs abroad.
Broken Bones Benefits: Specific payments for fractures.

Simple Claim Process for Personal Accident Insurance

When an insured event occurs, the following steps are generally followed to make a claim:

Step 1: Notification: Inform the insurance company immediately (usually within a specified number of days) after an accident occurs.
Step 2: Claim Form: Complete and submit the claim form provided by the insurer.
Step 3: Documentation: Provide necessary supporting documents, such as medical reports, police reports (if applicable), death certificate (for death claims), and identity proof.
Step 4: Investigation/Assessment: The insurance company investigates the claim to verify the details and assess the extent of the loss.
Step 5: Settlement: If the claim is valid, the insurance company pays the agreed benefits to the insured or their beneficiaries.

Teaching Methods/Instructional Techniques

Discussion, Lecture, Demonstration, Question and Answer, Visual Aids

Instructional Procedures

Step 1: Introduction

Time: 5 minutes
Teaching Skill: Set Induction
Teacher’s Activity: The teacher greets the pupils and asks them to briefly recall what they learned about personal accident insurance in the previous lesson. The teacher then introduces the topic of perils covered and benefits provided under personal accident insurance.
Pupils’ Activity: Pupils respond to the teacher’s questions and listen attentively to the introduction.
Learning Point: Pupils recall previous knowledge and are prepared for the new lesson.

Step 2: Explanation of Perils Covered

Time: 10 minutes
Teaching Skill: Explanation/Lecturing
Teacher’s Activity: The teacher explains the concept of perils in insurance and lists the common perils covered under personal accident insurance, such as accidental death, permanent total/partial disablement, temporary total disablement, and medical expenses. The teacher uses the chart and policy specimen to illustrate.
Pupils’ Activity: Pupils listen, observe the chart and policy specimen, and ask questions for clarification.
Learning Point: Pupils understand the specific events that personal accident insurance covers.

Step 3: Discussion of Benefits Provided

Time: 10 minutes
Teaching Skill: Discussion/Explanation
Teacher’s Activity: The teacher discusses the various benefits provided by personal accident insurance, explaining how compensation is given for each covered peril (e.g., lump sum for death, weekly benefits for temporary disablement, medical expense reimbursement).
Pupils’ Activity: Pupils take notes and contribute to the discussion by asking how different scenarios might be compensated.
Learning Point: Pupils learn about the financial and other forms of support offered by the insurance policy.

Step 4: Claim Process Overview

Time: 7 minutes
Teaching Skill: Explanation
Teacher’s Activity: The teacher outlines the simple steps involved in making a claim under a personal accident insurance policy, from notification to settlement. The teacher emphasizes the importance of timely reporting and accurate documentation.
Pupils’ Activity: Pupils listen carefully, noting the key steps in the claim process.
Learning Point: Pupils understand the procedure for seeking benefits when an accident occurs.

Step 5: Practical Examples/Case Studies

Time: 5 minutes
Teaching Skill: Demonstration/Problem-solving
Teacher’s Activity: The teacher presents a few hypothetical claim situations (e.g., a pupil breaking an arm, a parent suffering temporary disablement) and asks pupils to identify the covered peril and potential benefit.
Pupils’ Activity: Pupils analyze the examples and suggest the relevant perils and benefits.
Learning Point: Pupils apply their understanding to real-life scenarios.

Step 6: Class Activity/Questions

Time: 3 minutes
Teaching Skill: Questioning
Teacher’s Activity: The teacher asks pupils to briefly list some perils and benefits they remember from the lesson.
Pupils’ Activity: Pupils provide oral answers, listing perils and benefits.
Learning Point: Pupils consolidate their learning through active recall.

Step 7: Evaluation/Review

Time: 5 minutes

Teaching Skill: Questioning/Assessment

Teacher’s Activity: The teacher evaluates the learning by asking the following questions:

Define a peril in the context of personal accident insurance.
Mention three perils covered by personal accident insurance.
State two benefits provided by a personal accident insurance policy.
Outline the first two steps in making a personal accident insurance claim.

Pupils’ Activity: Pupils answer orally and in writing.

Learning Point: Pupils demonstrate understanding of the lesson.

Step 8: Conclusion

Time: 2 minutes
Teaching Skill: Summarization
Teacher’s Activity: The teacher summarizes the key points of the lesson, reiterating the importance of knowing what personal accident insurance covers and the benefits it offers. The teacher assigns homework for pupils to research an actual personal accident policy.
Pupils’ Activity: Pupils listen to the summary and note down the homework.
Learning Point: Pupils get a final overview of the lesson and an assignment to reinforce learning.

Lesson Keywords

Personal Accident Insurance – A type of insurance that pays out a sum of money if you are injured or die in an accident.
Perils – The specific events or risks that an insurance policy covers.
Benefits – The financial compensation or services provided by an insurance policy when a covered event occurs.
Disability – A physical or mental condition that limits a person’s movements, senses, or activities.
Claim – A formal request made to an insurance company for payment or services under the terms of a policy.
Policy – A contract of insurance.

Differentiation

For pupils who grasp the concepts quickly, the teacher can encourage them to research specific examples of personal accident claims and present their findings. For pupils who need more support, the teacher will provide simplified charts and more direct examples, ensuring they understand the core perils and benefits.

Note for teachers using this lesson plan

Teachers should use real-life examples and case studies relevant to the pupils’ environment to make the lesson more relatable. Encouraging questions and discussions will help clarify complex insurance terms. A specimen policy document is highly recommended for visual learners.