Insurance Artinya Dalam Bahasa Indonesia – There is no certainty in this world. Uncertainty is certainty. One of the dangers of life is loss of things, accidents, illness and even death. You must be prepared to deal with this risk as it is not uncommon for the properties we stock to sell immediately.
For example, you park your car at your house using 2 keys, if there is no news, flood will come and damage your car. Of course, this risk is rarely considered. Therefore, we need insurance as a measure of protection if we face adverse risks.
Insurance Artinya Dalam Bahasa Indonesia
Definition of insurance is a form of controlling the risks we have by transferring or transferring these risks to another person. It is commonly known as an insurance company.
Beberapa Hal Tentang Embedded Insurance
That is, in the Commercial Code of Protection (KUHD), Section 246 defines the definition of “coverage or insurance” as an agreement by which the insurer binds himself to the insured by accepting premiums. Because from the financial perspective of “uncertain events” to cover the loss of expected profit that can be received, insurance companies conduct collection activities to compensate or compensate the people who suffer the loss later.
The definition of ‘risk’ in insurance is “uncertainty about the occurrence of an event causing economic loss.” Therefore, in insurance the insurance company is willing to cover future losses once the insured (customer) is willing to pay the premium. Premium is an amount of money payable within a specified period, which is the obligation of the insured to participate in the insurance.
Risk comes in many forms. Specific risks including fundamental risks, speculative risk and pure risk Each of these risks means:
We cannot guarantee all these risks. From these risks, insurance companies generally select the following risks. Measurable risk is homogenous risk (having the same risk and having a relatively large customer base), sudden risks (accidental) and risks that do not violate the law.
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The terms and conditions of the insurance contract as well as the rights and duties of the insurance company are specified in the insurance policy. A contract in an insurance policy is a policy. An insurance policy is a legal contract that describes all the terms and conditions of how the insurance company covers the insurance or cover translated into Dutch is called “coverage” The legal meaning of “verjekering” insurance or coverage can be understood based on the provisions contained and regulated in Article 246 of the Commercial Code (KUHD):
“Insurance or coverage is a contract whereby the insurer binds himself by accepting premiums to compensate the insured for loss, damage or loss of anticipated profits. This may be suffered due to an unspecified event.”
The definition of insurance as per the above provisions is meant only to understand accident insurance. This is because most Commercial Code provisions are based on marine insurance provisions.
Marine insurance was an accident insurance which was the most comprehensive insurance at that time. “Basic Understanding of Indonesian Commercial Law Volume 6” provides the following definitions or understandings of insurance:
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“Life insurance is a mutual contract between the insured (beneficiary) and the insured. The insured himself agrees to pay the premiums. Meanwhile, the insurer agrees to pay a certain amount at the time of closing the insurance. Dependent on the life and death of the person concerned to be the beneficiary and the appointee.
On February 11, 1992, the sole state government of the Republic of Indonesia specifically created and regulated insurance by promulgating the Law of the Republic of Indonesia No. 1 2/1992 Regarding Insurance Business.
Article 1 of the 1992 Law of the Republic of Indonesia No. (1) Law No. of the Republic of Indonesia of 2014 regarding insurance business. It has been changed in respect of insurance of 40. The definition of insurance or coverage is:
“Insurance or protection is a contract between two or more parties. The insured binds himself to the insured by accepting premiums to compensate the insured for the expected loss of profit, damage or loss. The legal liability of the insured to third parties may suffer pain due to an uncertain event or provide payment based on the death or life of the insured.
Begini Cara Mencairkan Asuransi Car Serta Syaratnya
As we all know the provisions of the 1992 Republic of Indonesia Law on Insurance Business 2014 Republic of Indonesia No. Replaced by Act 40, regulates only insurance business. And this law does not regulate the subject of insurance itself.
Republic of Indonesia No. 40 of 2014 on Insurance Republic of Indonesia No. 1992 Even if the law of 2 came into force. This law does not remove existing insurance provisions and is regulated in the Book of Laws – Commercial Law (M. Suprathman Shastravidjadja and Endang, “The Law of Protection of Deposit Insurance Insurers”, Bandung: Alumni, 1993, p. 50)
Insurance is a contract entered into by at least 2 (two) parties. A party is the party that transfers the risk to another party which is then called the insured. Meanwhile, the other party is the party who accepts the risk from the insurer, which is later referred to as the insured. In this case, the insured is an insurance company.
In conclusion from the definition of insurance above, insurance has several aspects. As Superman Satravidja (1997: 16) states in his book “Legal Aspects of Insurance and Securities”:
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An insurance contract is a contract that has special characteristics and features that other contracts do not have. Insurance contracts have the following characteristics:
An insurance contract is an aleatory contract, in which case the performance of the insured depends on an uncertain event, but the performance of the insured is certain and the insured is performing their work perfectly even if you follow the guarantor is not sure that actual performance will be achieved.
An insurance contract is a conditional contract. The performance of the insured shall be used only if it meets the conditions specified in the contract. On the other hand, insurers do not promise to fulfill the conditions. But the insurer cannot compel the insured to comply with the conditions. Unless the conditions are fully complied with
An insurance contract is a personal contract. In this case, the loss suffered must be a personal loss. This is not a loss to the public or the wider community. The personal loss is then covered by the insurance company.
Prinsip Contribution Dalam Asuransi
An insurance contract is a contract attached to the terms of the insured (adhesion), because basically all the terms and conditions of the contract in the insurance contract are decided and created by the insured or the insurance company, and because the word is agreed or pure bargaining.
Because of the above, the terms of most insurance contracts can be considered to be decided unilaterally by the insurer, so the insured is considered to be the one who created the contract and should know if there is any ambiguous understanding.
An insurance contract is a conditional contract on good faith. In this case, people can reach an agreement with the terms of the contract if they have the same knowledge and assessment of the facts. And check to avoid hidden errors
It is important to know the purpose of insurance or coverage as stated by Radix Purba (1997: 3) in his book. “Know Land and Air Transport Insurance” is to reduce the burden of risk faced by getting compensation from the Insurer insured in the following ways:
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The insured knows that there is a risk to their property or life. If this danger occurs to his property or life he suffers loss or loss of life or disability.
Material loss financially or loss of life or physical disability affects the course of life of the person or their heirs. As an at-risk person it is difficult for the insured to bear the risk that may arise all the time
In life insurance if the insured does not have any deaths or accidents till the end of the policy period the insured receives a refund of the stated amount from the insured as per the terms of the insurance contract. The premium paid by the insured is seen as the savings of the insured.
A real threat is the possibility of insurance companies collecting on premiums paid by many insureds who make their own mistakes in the event of a settlement.
Istilah Istilah Bisnis Dlm Surat Menyurat
Life insurance is the opposite of accident insurance. In case of death or accident to the insured within the insurance period, the insured pays the insurance cost as specified in the insurance policy.
Accident insurance and life insurance are provided on the basis of free (voluntary) agreement between the insurer and the insured. (Voluntary Insurance) However, the law regulates compulsory insurance. (Compulsory insurance) This means that the insured is bound by legal mandates. Not according to the contract
This type of insurance is known as social security, which aims to protect citizens from the threat of accidents leading to death or physical disability. By paying a certain amount of contribution (a type of premium) the insured has the right to protect against the threat of risk.
Insureds who pay these contributions include those bound by a legal relationship established by law, such as an employment relationship. If a public transport passenger suffers an accident at work or during transport, he or his heirs will receive compensation from the insurance company in an amount specified by law.
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Here is a brief explanation of the meaning and purpose of insurance.
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