iklan
As
one of the non financial institutions bank, insurance, known as a
pretty good investment alternatives and minimize risk over unexpected
events.
The definition of insurance according to the financial services authority was an agreement between the service provider and insurer insurance as a society that holds the polis and is known as the insured who is obliged to pay some premium in order to provide replacement over the risk of loss, damage, death, and loss of profits expected, which may occur over the unexpected events.
This term describes that any actions taken to provide protection against the threat of a risk. Policyholders have no obligation to pay a sum of money called the premium to the insurance company which in turn agreed to compensate as well as protection against future losses that might override the policy holder from the insurance company.
When the policyholder or participant insurance or the insured undergone accident and got the loss or damage whatsoever that is listed in the contract, the insured is entitled to file an insurance claim. The recipient of this insurance not only insured that his name was listed as the policyholders of insurance companies but can also be other people appointed by the insured.
Own insurance is known in various kinds or sorts and grouped in accordance with the focus and risk. The focus of this risk and determine the size uniformity in risk borne according the type of policy. This will be used by insurance companies to anticipate potential losses and set a premium rate offered in accordance with the respective type of insurance.
The following types of insurance are there in Indonesia:
1. Life insurance
One type of insurance is known to provide financial profit on insured upon his death. Payment system for any type of life insurance. There are insurance companies that provide payment after death and more could allow the insured to claim the Fund before his death.
Life insurance can be purchased for the benefit of ourselves and on behalf of the insured only or purchased for the benefit of a third person. Even life insurance also known can be bought on the lives of others. As an illustration, suppose that a husband can buy life insurance that will provide benefits to him after the death of his wife. Parents can also insure yourself against the death of the child.
2. Health insurance
One type of insurance is also quite known by the people of Indonesia. Health insurance is an insurance product that address the issue of health of the insured due to an illness and bear the costs of the treatment process. Generally, the causes of sick insured which cost can be borne by the insurance company is injured, disabled, sick, until death due to accident.
Health insurance also known can be bought for the benefit of the insured or the interests of a third person. Private health insurance companies such as Allianz, Prudential, AIA, Cigna, and Manulife. Became part of the ranks of the big names that provide a wide range of insurance products to suit the needs of the community and Indonesia already widespread in all over the world.
3. Vehicle insurance
Insurance is the most popular vehicle in Indonesia is the kind of car insurance which focus on dependents of injury to other people or other people's vehicles against damage caused by the insured. This insurance can also pay for loss or damage to an insured motor vehicle.
Vehicle
insurance is one of general insurance products. This type of insurance
it had become one of the booming during the riots of May 1998 because
such events make people's interest against proprietary protection for
private vehicles increased dramatically.
Financial, has partnered with reputable insurance in Indonesia so that you as our customer can compare best auto insurance products with cheap rate.
4. ownership of the home and property Insurance
As a valued asset valuable enough, usually the homeowner will protect themselves and his assets that could be either a home or personal property with home ownership and property insurance. This insurance provides protection against loss or damage that may occur on certain items of personal property insured. This insurance also protect and provide relief when a home or other property insured experienced a disaster such as a fire.
5. Insurance Education
This is the most popular insurance and a favorite of the policyholders. Insurance education is the best alternative solution and ensure a better life especially on child education assets. The cost of the premium payable for insured to the insurance companies varies according to level of education who want obtained later.
Understand the importance of the use of insurance education for children has now become something of concern parents. The high cost of education and other conditions that aggravate the economy as weakening our currency against u.s. dollar effect on children's education costs later. Realize that this obviously will weigh a parent, then often the parents are now choosing to have insurance education.
6. Business Insurance
This insurance is protection against damage, loss, or a large amount of losses that may occur in a person's business. This insurance provides reimbursement of damage caused by fire, explosion, earthquake, lightning, flood, windstorm, hail, collision, to riot.
The insurance company usually offers a range of benefits from the insurance business as a protection against employees as business assets, protection of investment and business, a comprehensive life insurance for all employees, and package protection health insurance for employees.
7. General insurance
General insurance or general insurance is protection against the risk of loss as well as loss of benefits and legal liability on third parties. This public insurance coverage to its short term (usually about one year). General insurance can be classified into several types, among them:
a) Social Insurance (social security).
This type of insurance is insurance that must be possessed by any person or population with the goal of everyone has a guarantee of the old days. Premium payment is done by force, one example by cutting off someone's salary every month.
b) Voluntary Insurance (Voluntary Insurance)
It is run by a voluntary insurance. Voluntary types of insurance can still be further divided into 2 classifications i.e. Government Insurance and Commercial Insurance. Government insurance is insurance that is run by the Government, while commercial insurance is insurance that is intended to provide protection to a person or family as well as companies from the risks that may arise due to unexpected events.
8. Credit Insurance
Credit insurance is protection over the risk of the failure of the debtor to pay off a credit facility or loan cash as working capital, trade credit, and others. Associated closely with the service especially in the field of banking. Credit is a loan in the form of money given the bank or financial institution as lender to the customers.
Credit insurance aims to protect banks or other financial institutions of the possibility of not obtaining the credit back loaned to the customer and help provide security as well as of the briefing. Credit insurance managers in Government are entrusted to PT Indonesia. Indonesia's Credit Insurance.
9. Insurance insurance
Type this one special exists in the field of marine functions to transport the cargo owners as well as ensure. The risk that may occur so that the formation of this insurance is the damage to the cargo, the ship's damage, and injured passengers. Marine insurance or insurance of the Navy is the transfer of risk for either yourself or your provisioning using ocean freight services.
This involves the use of insurance services of shipbuilding in the sending of the goods. Some of the factors that affect ocean freight insurance premiums is insured goods, packaging of goods, the insured risks, transportation, and travel.
10. Travel insurance
Overall, the function of the travel insurance is not far different from regular insurance functions as a form of protection to the customer with a short period of time i.e. during a buyers premium to travel up to return home. Benefits that will be gained from having a travel insurance among other things got protection and bearing of costs for accidents that befell the buyers premium, compensation for accidents, emergency medical expenses, dependent repatriation funerals, medical evacuation, to protection against default items that have the risk of lost or damaged.
iklan
The definition of insurance according to the financial services authority was an agreement between the service provider and insurer insurance as a society that holds the polis and is known as the insured who is obliged to pay some premium in order to provide replacement over the risk of loss, damage, death, and loss of profits expected, which may occur over the unexpected events.
This term describes that any actions taken to provide protection against the threat of a risk. Policyholders have no obligation to pay a sum of money called the premium to the insurance company which in turn agreed to compensate as well as protection against future losses that might override the policy holder from the insurance company.
When the policyholder or participant insurance or the insured undergone accident and got the loss or damage whatsoever that is listed in the contract, the insured is entitled to file an insurance claim. The recipient of this insurance not only insured that his name was listed as the policyholders of insurance companies but can also be other people appointed by the insured.
Own insurance is known in various kinds or sorts and grouped in accordance with the focus and risk. The focus of this risk and determine the size uniformity in risk borne according the type of policy. This will be used by insurance companies to anticipate potential losses and set a premium rate offered in accordance with the respective type of insurance.
The following types of insurance are there in Indonesia:
1. Life insurance
One type of insurance is known to provide financial profit on insured upon his death. Payment system for any type of life insurance. There are insurance companies that provide payment after death and more could allow the insured to claim the Fund before his death.
Life insurance can be purchased for the benefit of ourselves and on behalf of the insured only or purchased for the benefit of a third person. Even life insurance also known can be bought on the lives of others. As an illustration, suppose that a husband can buy life insurance that will provide benefits to him after the death of his wife. Parents can also insure yourself against the death of the child.
2. Health insurance
One type of insurance is also quite known by the people of Indonesia. Health insurance is an insurance product that address the issue of health of the insured due to an illness and bear the costs of the treatment process. Generally, the causes of sick insured which cost can be borne by the insurance company is injured, disabled, sick, until death due to accident.
Health insurance also known can be bought for the benefit of the insured or the interests of a third person. Private health insurance companies such as Allianz, Prudential, AIA, Cigna, and Manulife. Became part of the ranks of the big names that provide a wide range of insurance products to suit the needs of the community and Indonesia already widespread in all over the world.
3. Vehicle insurance
Insurance is the most popular vehicle in Indonesia is the kind of car insurance which focus on dependents of injury to other people or other people's vehicles against damage caused by the insured. This insurance can also pay for loss or damage to an insured motor vehicle.
 |
| pic from pasar polis |
Financial, has partnered with reputable insurance in Indonesia so that you as our customer can compare best auto insurance products with cheap rate.
4. ownership of the home and property Insurance
As a valued asset valuable enough, usually the homeowner will protect themselves and his assets that could be either a home or personal property with home ownership and property insurance. This insurance provides protection against loss or damage that may occur on certain items of personal property insured. This insurance also protect and provide relief when a home or other property insured experienced a disaster such as a fire.
5. Insurance Education
This is the most popular insurance and a favorite of the policyholders. Insurance education is the best alternative solution and ensure a better life especially on child education assets. The cost of the premium payable for insured to the insurance companies varies according to level of education who want obtained later.
Understand the importance of the use of insurance education for children has now become something of concern parents. The high cost of education and other conditions that aggravate the economy as weakening our currency against u.s. dollar effect on children's education costs later. Realize that this obviously will weigh a parent, then often the parents are now choosing to have insurance education.
6. Business Insurance
This insurance is protection against damage, loss, or a large amount of losses that may occur in a person's business. This insurance provides reimbursement of damage caused by fire, explosion, earthquake, lightning, flood, windstorm, hail, collision, to riot.
The insurance company usually offers a range of benefits from the insurance business as a protection against employees as business assets, protection of investment and business, a comprehensive life insurance for all employees, and package protection health insurance for employees.
7. General insurance
General insurance or general insurance is protection against the risk of loss as well as loss of benefits and legal liability on third parties. This public insurance coverage to its short term (usually about one year). General insurance can be classified into several types, among them:
a) Social Insurance (social security).
This type of insurance is insurance that must be possessed by any person or population with the goal of everyone has a guarantee of the old days. Premium payment is done by force, one example by cutting off someone's salary every month.
b) Voluntary Insurance (Voluntary Insurance)
It is run by a voluntary insurance. Voluntary types of insurance can still be further divided into 2 classifications i.e. Government Insurance and Commercial Insurance. Government insurance is insurance that is run by the Government, while commercial insurance is insurance that is intended to provide protection to a person or family as well as companies from the risks that may arise due to unexpected events.
8. Credit Insurance
Credit insurance is protection over the risk of the failure of the debtor to pay off a credit facility or loan cash as working capital, trade credit, and others. Associated closely with the service especially in the field of banking. Credit is a loan in the form of money given the bank or financial institution as lender to the customers.
Credit insurance aims to protect banks or other financial institutions of the possibility of not obtaining the credit back loaned to the customer and help provide security as well as of the briefing. Credit insurance managers in Government are entrusted to PT Indonesia. Indonesia's Credit Insurance.
9. Insurance insurance
Type this one special exists in the field of marine functions to transport the cargo owners as well as ensure. The risk that may occur so that the formation of this insurance is the damage to the cargo, the ship's damage, and injured passengers. Marine insurance or insurance of the Navy is the transfer of risk for either yourself or your provisioning using ocean freight services.
This involves the use of insurance services of shipbuilding in the sending of the goods. Some of the factors that affect ocean freight insurance premiums is insured goods, packaging of goods, the insured risks, transportation, and travel.
10. Travel insurance
Overall, the function of the travel insurance is not far different from regular insurance functions as a form of protection to the customer with a short period of time i.e. during a buyers premium to travel up to return home. Benefits that will be gained from having a travel insurance among other things got protection and bearing of costs for accidents that befell the buyers premium, compensation for accidents, emergency medical expenses, dependent repatriation funerals, medical evacuation, to protection against default items that have the risk of lost or damaged.
Comments