Insurance Studies

Basic Insurance 

  
Understanding Insurance Insurance sense when viewed from a legal perspective are:

    "Insurance or coverage is an agreement between 2 (two) or more parties where the insured party binds himself to the insurer, by accepting the insurance premiums to reimburse the insured for loss, damage or loss of profits that is expected or legal liability to third parties which may be in pain the insured for an uncertain event, or to provide payments for life or death in pertanggungkan someone. "
Principle - Basic Principles of Insurance There are some basic principles of insurance is very important that must be fulfilled either by the insured and the insurer for a contract / agreement applicable insurance (not canceled). The principal prinsip2 Insurance is as follows:

    * Principle of Good Faith (Utmost Good Faith)
    * The principle of interest which might at Insure (Insurable Interest)
    * Principle of Indemnity (Indemnity)
    * The principle of Subrogation (Subrogation)
    * Principle of Contribution (Contribution)
    * Principle of Cause and Effect (Proximate Cause)
Insurance Products 1. Insurance Losses

    Closing the coverage for loss due to damage or obliteration insured property due cause - cause or occurrence of an insured (cause - a cause or danger - the danger referred to in the contract or insurance policy).
    In general insurance, the insurer receives premiums from the insured and the event of damage or obliteration of the insured property compensation will be paid to the insured.
2. Life insurance

    Closing the insured to pay some compensation due to death or survival of a person within a period of coverage.
    In life insurance, the insurer receives premiums from the insured and if the insured dies, the benefits (sum assured) is paid to the beneficiary or a person designated in the policy as a recipient of benefits.
Insurance Products

    * Fire Insurance
    * Insurance Marine Transportation
    * Motor Vehicle Insurance
    * Insurance Framework Ship
    * Construction All Risk (CAR)
    * Property / Industrial All Risk
    * Customs Bond Insurance
    * Surety Bond Insurance
    * Personal Accident Insurance
    * Health Insurance
    * Etc.
Life Insurance Products

    * Pure Life Insurance (Whole Life Insurance)
    * Long Term Life Insurance
    * Short Term Life Insurance (Term Insurance)
Product Insurance Program In Social Insurance

    * Personal Accident Insurance issued by PT Jasa Raharja
    * Health Insurance and Old Age Savings issued by PT JAMSOSTEK
Life Insurance in Social Insurance Programs

    * Pensions and Savings Program Old for civil servants and armed forces organized by PT. TASPEN and PT ASABRI
Understanding Rates Insurance rates are:

    * A unit price of a certain insurance contracts, coverage for certain objects, against specific risks, and in particular use for the future as well.
    * Tools to measure the risk of a realistic (the reality of risk), the range and depends on the quality, the greater the likelihood of loss, the greater the charge.
Object Coverage Ie all objects (property and people) that can be pertanggungkan rules as it will likely experience a risk that could result in losses in the review of financial terms. Example:

    * Home stay, buildings, factories, business premises, etc.
    * Cars, boats, planes, etc.
    * The soul of man, health, etc.
    * Project development and installation of machinery
    * Transport of goods
    * Etc.
SPPA (Insurance Closing Letter Request) SPPA is a form field must be filled in by the prospective insured in order closure of Insurance that will be used by the insurer to evaluate the risk level of coverage is the object. The SPPA data is filled in around the object insured, the condition surrounding the object insured, the insured data, details of the object insured, the level of danger, and others.