Society, General Knowledge for Vocational Schools (ABU), Vocabulary

food intake to cover vital energy supply

term from private law; there is a difference between minor negligence (things that can happen) and gross negligence (things that never should be allowed to happen)

a specific amount not covered by a policy that an insured person must pay for the services of physicians and hospitals or for medicine; the higher the franchise deductible the lower the monthly premium rates

the general condition of the body, mind and social well-being

basic power through which a person is obliged to do something

obligatory health insurance which provides basic medical coverage

insurance which covers damages that one person inflicts on another

liability without having to prove that the defendant was negligent or directly at fault

a type of insurance that is obligatory in Switzerland; supplementary insurance can be acquired on a voluntary basis of additional services

disrupted state physical, mental, social well-being

service a health insurance provides (e.g. costs of a doctor's appointment, the cost of drugs is taken care of by basic insurance)

concept that incorporates equilibrium in various areas of life (e.g. family, work, health)

premium increase after having made use of insurance benefits

Article 41 from the Swiss code of obligations, which regulates fault-based liability and compensation for damages

insurance that covers personal risks, e.g. accidents, illness

a document embodying a contract of insurance between the insured and the insurer

amount to be paid by the policyholder to the insurance company for coverage under a particular insurance contract, usually in instalments

comparison of the insurance rates charged by various insurance companies (e.g. for health insurance)

the right of an insurance provider to reclaim a portion of the paid amount, in case the insured person or entity had acted with gross negligence during the damaging event

the possibility that something unpleasant or dangerous might happen

planning risks: recognise risks, avoid risks, insure yourself against the negative consequences of taking certain risks

insurance that covers damage of personal property

the amount the insured is liable to pay on each loss, injury, etc., before an insurance company will make payment

insurance principle where contributions are determined by financial capabilities of the insured and the insurance benefits according to their needs

increased tension or pressure of a psychological or physical nature, caused by external factors, for example, by pressure at work or financial or personal problems, that stops you from relaxing

a very strong need that someone feels to regularly take a substance, e.g. drugs or alcohol

a sudden event that results in damage, injury, or death

part of the second pillar; insurance for workers providing coverage against work-related (occupational) accidents and illnesses and even against non-work-related (non-occupational) accidents after 8 hours of work a week

liability for damages due to wrongful conduct (premeditated or negligence)

an arrangement in which you regularly pay an insurance company an amount of money so that they will give you money if something you own is damaged, lost, or stolen, or if you die or are ill or injured

voluntary health insurance, providing additional services to compulsory health insurance. e.g. free choice of hospital in Switzerland

term for a community's intellectual and artistic expression in everyday life

the art and science of construction (e.g. buildings)

science of beauty, study of law and unity in nature and art