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[null,"Claimen of niet claimen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"www.jdjong.nl"]
[null,"Om te beslissen of je een schade beter kunt claimen of niet moet je weten wat te totale kosten zijn bij beide mogelijkheden. "]
[null,"Daarbij moet je wel bedenken dat als je claimt, je minder korting krijgt en zelfs een opslag op je bruto premie. Het duurt dan weer een paar jaar voor je je \"oude\" korting weer krijgt."]
[null,"Bij niet  claimen ga je ieder jaar een trede omhoog, bij claimen ga je twee tredes omlaag. Poliskosten en assurantiebelasting worden buiten beschouwing gelaten."]
[]
[null,"Ga als volgt te werk. Kies een jaar waarin een schade wordt veroorzaakt. Ga ervan uit dat je in de jaren daarvóór geen schade hebt geclaimd. Kies een trede waarin je zat in het jaar 2017. "]
[null,"Kies ook een bruto premie, een schadebedrag in het jaar van je keuze en eigen risico. Bereken de totale kosten voor het jaar ná het jaar van je keuze bij claimen en en niet claimen. "]
[]
[null,"Kies een jaar tussen 2016 en 2026 waarin schade wordt geclaimd",null,null,null,null,null,2017,{"$f":"IF(OR(H9<2017,H9>2025),\"Kies een jaartal tussen 2016 en 2016\",\"\")","v":""}]
[null,"Kies een trede in de b/m ladder voor het jaar 2017",null,null,null,null,null,3,{"$f":"IF(OR(H10<1,H10>12),\"Deze trede bestaat niet\",\"\")","v":""}]
[null,"Bruto premie",null,"Schade",null,"Eigen risico"]
[null,"Bereken de totale kosten bij claimen en niet claimen:",null,null,null,null,"Claimen","Jaar","Brutopremie","Korting 1","Korting 2","Korting 3","Korting 4","Korting 5","Korting 6","Korting 7","Korting 8","Korting 9","Korting 10","Korting 11 ","Korting 12","Nettopremie 1","Nettopremie 2","Nettopremie 3","Nettopremie 4","Nettopremie 5","Nettopremie 6","Nettopremie 7","Nettopremie 8","Nettopremie 9","Nettopremie 10","Nettopremie 11","Nettopremie 12","Eigen risico","Totale kosten 1 ","Totale kosten  2","Totale kosten  3","Totale kosten  4","Totale kosten  5","Totale kosten  6","Totale kosten  7","Totale kosten  8","Totale kosten  9","Totale kosten  10","Totale kosten  11","Totale kosten  12"]
[null,"Claimen ",null,null,"b/m trede","Korting",null,2018,{"$f":"$C$11","v":0},-0.16,-0.16,-0.16,0.04,0.2,0.32,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,{"$f":"$I$13-(J13*$I$13)","v":0},{"$f":"$I$13-(K13*$I$13)","v":0},{"$f":"$I$13-(L13*$I$13)","v":0},{"$f":"$I$13-(M13*$I$13)","v":0},{"$f":"$I$13-(N13*$I$13)","v":0},{"$f":"$I$13-(O13*$I$13)","v":0},{"$f":"$I$13-(P13*$I$13)","v":0},{"$f":"$I$13-(Q13*$I$13)","v":0},{"$f":"$I$13-(R13*$I$13)","v":0},{"$f":"$I$13-(S13*$I$13)","v":0},{"$f":"$I$13-(T13*$I$13)","v":0},{"$f":"$I$13-(U13*$I$13)","v":0},{"$f":"IF($G$11>$E$11,$E$11,$G$11)","v":0},{"$f":"V13+$AH$13","v":0},{"$f":"W13+$AH$13","v":0},{"$f":"X13+$AH$13","v":0},{"$f":"Y13+$AH$13","v":0},{"$f":"Z13+$AH$13","v":0},{"$f":"AA13+$AH$13","v":0},{"$f":"AB13+$AH$13","v":0},{"$f":"AC13+$AH$13","v":0},{"$f":"AD13+$AH$13","v":0},{"$f":"AE13+$AH$13","v":0},{"$f":"AF13+$AH$13","v":0},{"$f":"AG13+$AH$13","v":0}]
[null,"Brutopremie",null,null,12,72,{"$f":"IF($H$10=12,2017,\"\")","v":""},2019,0,-0.16,-0.16,0.04,0.2,0.32,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,0.64,{"$f":"$I$13-(J14*$I$13)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"V14+$AH$13","v":0},0,0,0,0,0,0,0,0,0,0,0]
[null,"Korting",null,"-",{"$f":"E14-1","v":11},{"$f":"F14-4","v":68},{"$f":"IF($H$10=11,2017,\"\")","v":""},2020,0,-0.16,0.04,0.2,0.32,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,0.64,0.64,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Nettopremie",null,null,10,64,{"$f":"IF($H$10=10,2017,\"\")","v":""},2021,0,0.04,0.2,0.32,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,0.64,0.64,0.64,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Eigen risico",null,"+",9,60,{"$f":"IF($H$10=9,2017,\"\")","v":""},2022,0,0.2,0.32,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,0.64,0.64,0.64,0.64,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Totale kosten",null,null,8,56,{"$f":"IF($H$10=8,2017,\"\")","v":""},2023,0,0.32,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,0.64,0.64,0.64,0.64,0.64,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,7,52,{"$f":"IF($H$10=7,2017,\"\")","v":""},2024,0,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,0.64,0.64,0.64,0.64,0.64,0.64,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Niet claimen",null,null,6,48,{"$f":"IF($H$10=6,2017,\"\")","v":""},2025,0,0.48,0.52,0.56000000000000005,0.6,0.64,0.64,0.64,0.64,0.64,0.64,0.64,0.64,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Brutopremie",null,null,5,{"$f":"F20-8","v":40},{"$f":"IF($H$10=5,2017,\"\")","v":""},2026,0,0.52,0.56000000000000005,0.6,0.64,0.64,0.64,0.64,0.64,0.64,0.64,0.64,0.64,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Korting",null,"_",4,{"$f":"F21-8","v":32},{"$f":"IF($H$10=4,2017,\"\")","v":""}]
[null,"Nettopremie",null,null,3,{"$f":"F22-12","v":20},{"$f":"IF($H$10=3,2017,\"\")","v":2017}]
[null,"Schade",null,"+",2,{"$f":"F23-16","v":4},{"$f":"IF($H$10=2,2017,\"\")","v":""}]
[null,"Totale kosten",null,null,1,{"$f":"F24-20","v":-16},{"$f":"IF($H$10=1,2017,\"\")","v":""}]
[]
[null,null,null,null,{"$f":"H9+1","v":2018},{"$f":"H9+1","v":2018}]
[null,null,null,{"$f":"E27+(E29*10000)","v":32018}]
[null,null,null,{"$f":"F27+(F29*10000)","v":32018},{"$f":"H10","v":3},{"$f":"H10","v":3}]
[]
[]
[null,null,null,null,null,null,"Niet claimen","Jaar","Brutopremie","Korting 1","Korting 2","Korting 3","Korting 4","Korting 5","Korting 6","Korting 7","Korting 8","Korting 9","Korting 10","Korting 11 ","Korting 12","Nettopremie 1","Nettopremie 2","Nettopremie 3","Nettopremie 4","Nettopremie 5","Nettopremie 6","Nettopremie 7","Nettopremie 8","Nettopremie 9","Nettopremie 10","Nettopremie 11","Nettopremie 12","Schade","Totale kosten 1 ","Totale kosten  2","Totale kosten  3","Totale kosten  4","Totale kosten  5","Totale kosten  6","Totale kosten  7","Totale kosten  8","Totale kosten  9","Totale kosten  10","Totale kosten  11","Totale kosten  12"]
[null,"Verschil claimen en niet claimen",null,null,{"$f":"C18-C25","v":0},null,null,2018,{"$f":"$C$11","v":0},0.04,0.2,0.32,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,0.68,0.72,0.72,{"$f":"$I$33-(J33*$I$33)","v":0},{"$f":"$I$33-(K33*$I$33)","v":0},{"$f":"$I$33-(L33*$I$33)","v":0},{"$f":"$I$33-(M33*$I$33)","v":0},{"$f":"$I$33-(N33*$I$33)","v":0},{"$f":"$I$33-(O33*$I$33)","v":0},{"$f":"$I$33-(P33*$I$33)","v":0},{"$f":"$I$33-(Q33*$I$33)","v":0},{"$f":"$I$33-(R33*$I$33)","v":0},{"$f":"$I$33-(S33*$I$33)","v":0},{"$f":"$I$33-(T33*$I$33)","v":0},{"$f":"$I$33-(U33*$I$33)","v":0},{"$f":"$E$11","v":0},{"$f":"V33+$AH$33","v":0},{"$f":"W33+$AH$33","v":0},{"$f":"X33+$AH$33","v":0},{"$f":"Y33+$AH$33","v":0},{"$f":"Z33+$AH$33","v":0},{"$f":"AA33+$AH$33","v":0},{"$f":"AB33+$AH$33","v":0},{"$f":"AC33+$AH$33","v":0},{"$f":"AD33+$AH$33","v":0},{"$f":"AE33+$AH$33","v":0},{"$f":"AF33+$AH$33","v":0},{"$f":"AG33+$AH$33","v":0}]
[null,null,null,null,null,null,null,2019,0,0.2,0.32,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,0.68,0.72,0.72,0.72,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,{"$f":"IF(C18>C25,\"Dus niet claimen!\",\"Dus claimen!\")","v":"Dus claimen!"},null,null,null,null,null,2020,0,0.32,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,0.68,0.72,0.72,0.72,0.72,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,2021,0,0.4,0.48,0.52,0.56000000000000005,0.6,0.64,0.68,0.72,0.72,0.72,0.72,0.72,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Check je antwoord door op de knop te klikken. ",null,null,null,null,null,2022,0,0.48,0.52,0.56000000000000005,0.6,0.64,0.68,0.72,0.72,0.72,0.72,0.72,0.72,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"De totale kosten bij claimen en niet claimen staan in het rode ",null,null,null,null,null,2023,0,0.52,0.56000000000000005,0.6,0.64,0.68,0.72,0.72,0.72,0.72,0.72,0.72,0.72,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"vakje weergegeven.",null,null,null,null,null,2024,0,0.56000000000000005,0.6,0.64,0.68,0.72,0.72,0.72,0.72,0.72,0.72,0.72,0.72,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,2025,0,0.6,0.64,0.68,0.72,0.72,0.72,0.72,0.72,0.72,0.72,0.72,0.72,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,2026,0,0.64,0.68,0.72,0.72,0.72,0.72,0.72,0.72,0.72,0.72,0.72,0.72,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]

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