Asuransi Adalah Lembaga – Insurance companies arise because the community in general is to avoid the risk of insurance to benefit people’s lives by reducing wealth to be reserved to cover losses due to life or property. Insurance is usually classified into two categories: General insurance fund insurance is developed along with the increase in age and longevity of people who plan to retire early. The pension fund is divided into: 1. The benefits are determined 2.
4 insurance companies and pension funds, including financial intermediaries that receive contract funds from customers who buy insurance services and pension funds and deliver money to different types of investments such as actions and bonds. Insurance companies and pension funds are contract -saving organizations.
Asuransi Adalah Lembaga
5 According to Article 246 of Kuhd, it is stated that “Insurance or insurance is an agreement that the guarantee is formed for the insured person, when receiving the insurance premium, to replace due to damage or loss of interest may be subject to an uncertain event.” Insurance applications arise because people often have risks (they do not like risk), so they accept incentives to transfer risks. People cannot transfer all risks because the cost of transfer is increasing the cost, meaning that the cost will increase with the increasing risk you want to transfer. The phenomenon of people/organizations cannot transfer all risks: companies reserved for supermarkets cannot transfer all the risks of donation.
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Everyone’s goal to buy insurance is to be protected in case of risk. Insurance companies need to be able to avoid those who buy insurance for speculation or games
There must be the relationship between the insured (insured/insurance) and profit (the beneficiary) of the insured must provide accurate insurance information and the desert does not seek benefits if there are other parts to compensate for a bad event, the obligations of insurance companies are reduced as a compensation that the insurance company must have many insurance can be distributed.
8 principles of the “big number law” said that more and more people are insured, the bad fact will be distributed normally, so that the average probability of a bad event can be predicted accurately. Therefore, the insurance company can determine the price (the value of the premium) for profits.
9 benefits of insurance as a form of risk control (economic), insurance also has many benefits classified into 3 functions: the main function of insurance is to transfer risks, fundraising and balanced insurance premiums. The secondary function of insurance is to stimulate business growth, prevent losses, control losses, have social benefits and save. The additional function of insurance is an investment in funds and intangible results.
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The definition of “risks” in insurance is “uncertainty of an event that can cause economic losses”. Pure risk forms are risks so there are only two types: loss or breaking, for example, theft, accidents or fire. Speculative risk is a risk that produces 3 types: loss, benefits or broken, for example, gambling. The special risk is a risk that comes from the people and their local impact, for example, the plane crashes, cars and ships falling. The basic risk is a risk that individuals do not originate and their impact is very broad, for example, tifon, earthquake and floods. All risks can be guaranteed? Not all risks can be guaranteed. The risk is guaranteed: Risks can be measured by money, uniform risks (with the same risk and reality guaranteed by insurance), pure risks (this risk does not bring benefits), a specific risk (the risk of individual sources), the risk occurs suddenly (accidentally), unable to insurance.
12 ways to overcome ethical dangers, among others, the deduction requirements are a series of losses that the insurer pays before the rest is paid by an insurance company. In addition, medical companies can transfer high medical expenses to medical service providers with a certain payment to provide health services to insurance customers. Problems arising, health care providers have encouragement to limit medical services provided so that the government’s regulations need to be limited.
Shareholders’ insurance companies aims to receive a profit/insurance company, owned by an individual.
14 Selling safe, although everyone needs insurance, they often think about risks. This makes it difficult for the company to sell its products. Insurance companies recruit corporate agents with marketing 20% of the value of the policy. Sales agent has a commission that is not related to the risk. Control of insurance companies to sign contracts with subscribers responsible for evaluating, approving/rejecting candidates. If it is not resolved, the final decision depends on the report of an independent inspection. But the risk of the tap will occur if there is an agreement between the agent and the evaluation.
Lpei Dan Asuransi Asei Indonesia Dorong Pertumbuhan Ekspor Nasional Dengan Asuransi Ekspor
Life insurance provides protection against income flow for heirs due to death. For example: Annual health insurance products ensure lifelong revenue. Example: Health insurance retirement program provides protection from medical expenses more and more expensive, life insurance is the advantage of death, but there is no increase in cash. Life insurance has a full range of policies with two characteristics, pays certain values at the time of the death of the insured and accumulates the value of cash that the owner of the policy can be borrowed. Amembi’s universal life insurance is a combination of insurance for future and common/non -water insurance (owned by victims and victims) providing protection against the property income flow due to inevitable events. Example: The insurance accident is responsible for protecting the insured against third -party requirements due to defective products or accidents.
Insurance companies can reduce/transfer some risks to reinsurance to other insurance companies or insurance companies by paying a part of the insurance premium received by government regulations for insurance companies are relatively low. Some reasons that the Government is because the insurance company must comply with the standards set in investment for businesses to be safe.
There are still many people who think that insurance is a random activity. That the future is not certain to be human authority to calculate it. In this case, many people immediately refuse the presence of insurance. The UAG insurance socialization of the importance of insurance for the broader community. Insurance goals aimed at the purpose of the middle class to the forefront, with a small part of the middle class due to the above thought. Often there are bad ads, from some insurance companies, such as difficulties, ancient depreciation processes, the number of requests that are not consistent with the expectations of insurance agents. Insurance agents do not have appropriate information and write about policies written in small letters/types and are not easy to read often cause future problems when complaints occur.
The pension fund is a financial tool that accumulates wealth when they work and pay for retirement. The company/employer sponsors the pension program for its employees due to different factors, such as the Government’s regulations on work, thanks to the old employees or the requirements of the Trade Union.
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The pension program of the exact benefit of pension pensions benefits the pension benefits for the benefits to accelerate the benefits of the short -term pension of the pension program
In Indonesia, the pension program called DPLK (Financial Organization Fund) DPLK includes a life insurance agency or the company organizing a pension program that is determined for those who, employees and employees separately separate from the business pension program.
22 Funds of the Company’s retirement fund must comply with low regulations because the company increases well by providing protection if the company fails, the pension fund ends. In Indonesia to avoid sponsoring Egagalan, the retirement fund program was determined by the 22nd page in 2004 on the management and investment of funds of the labor security program.
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Chapter 14 Peran Asuransi Sebagai Pengalih Resiko (dcp)
In addition, as a form of risk control (financial), insurance also has a number of benefits classified by: main functions, secondary functions and additional functions. The main function of insurance is to transfer risks, funds and balanced insurance premiums. The secondary function of insurance is to stimulate business growth, prevent losses, control losses, have social benefits and save. While the additional function of insurance is an investment in funds and intangible results.
Not all risks can be guaranteed. The risk is guaranteed: Risks can be measured by money, uniform risks (with the same risk and reality guaranteed by insurance), pure risks (this risk does not bring benefits), a specific risk (the risk of individual sources), the risk occurs suddenly (accidentally), unable to insurance.
6 business licenses on each side that an insurance enterprise is required to get a business license from the Minister of Finance, except for companies with social insurance programs.
Evidence of meeting the requirements of the business license includes: The provisions of the company have received approval from the competent authority; Organizational structure and management of companies illustrating the separation of functions and descriptions of work. Experts with qualifications
