SarjanaEkonomi.Co.ID – Hey buddy sarjanaekonomi.co.id see you again in your favorite article. In this discussion, we will talk about insurance. For more details, let’s see the full discussion below.
Insurance is a form of risk control where one party transfers risks that can be possible in the future to the other party, in this case the insurance contribution company.
Insurance which is in Dutch “Verzekering” which means “Coverage”. In article 246 of the Trade Law Code (KUHD) or what is considered Wetboek Van Koophandle, that this premium or coverage is an agreement using which an insurer binds themselves using an insured.
By receiving premium money to be able to provide reimbursement to him for a loss, damage or loss of profit that can be needed that may be fined due to an indeterminate incident.
This provision also applies to all kinds based on coverage, both those in the Trade Law Code (KUHD) and those outside the Trade Law Code (KUHD) as well.
The term “Insurance” is also originally according to English, namely “Insurance” which is to be “Coverage”. So there are also those who convey the understanding of this insurance is an agreement between the insured party (customer) using a insurer (insurance company) where the insurance company is willing to change the losses that may be experienced by customers in the future.
Object Insurance is an object or service, soul & body, or human health, regulatory responsibility, and all other interests that can be lost, damaged, lost, and or also reduced in value. Understanding Insurance According to Experts
1. Prof. Wiryono Prodjodikoro, S.H.
Insurance is an agreement where the parties who can guarantee will promise to the guaranteed party, in order to get a certain amount of money in lieu of losses that may be suffered by the guaranteed, due to the consequences according to an event that has not been obvious.
2.C. Arthur William Jr. And Richard M. Heins
What defines insurance according to 2 points of view is as follows:Insurance is a safeguard against a financial loss made by a person in charge.Insurance is an agreement using which 2 or more people or a entity raise funds to overcome financial losses.
Insurance is a sense to be able to reduce a risk by being able to combine a number of units that are at risk so that individual losses can collectively be predicted.
The predictable losses can then also be divided and distributed proportionally among all units in the mixture.
4. Article 246 of the Trade Law Code “KUHD”
Insurance or coverage is an agreement by which a person in charge is able to bind himself to someone insured, by being able to receive an insurance, make reimbursement to him because of a damage or profit loss that can be needed that he may suffer due to an indeterminate incident.
Insurance means an agreement between 2 or more parties, where the insurer binds itself to the insured using receiving insurance dues coverage in order to provide reimbursement to the insured for loss, damage or loss of profits needed.
This insurance is a tool to be able to reduce a financial risk, using the means of collecting exposure units at an adequate amount, to be able to make so that individual losses can be estimated. Then the predictable loss was carried evenly by those who joined.
Insurance is an economic institution that can reduce risk by combining under one management and horde of objects under a condition as a result of a grand loss that occurs suffered by a group that can also be predicted in a more detailed scope.
8.C Arthur Williams Jr. and Richard M. Heins
Insurance is a safe sense of risk of two or more people or companies combined through donations of certain coverage dues or that can be affected into funds used to pay claims.
Insurance is a willingness to be able to determine small losses (a little) that have certainly become a substitute (substitution) of large losses that have not been undoubtedly.
Insurance is a protection procedure for the insured party if it experiences risks in the future where the insured party will pay a premium to receive compensation according to the insurer.
Insurance is an agreement where the party who can guarantee a promise to the guaranteed party, to get a certain amount of dues coverage in lieu of a loss, which may be suffered by the guaranteed, because the result is based on an incident that has not been obvious.
Insurance is an agreement where there are still insured parties who pay insurance to the insurer to receive a replacement because of an ideal, damage or loss of expected profits that are also likely not necessarily going to happen in the future.
Insurance is a lot of ta’awun behavior that has been arranged using a very neat system, between a number of human grand. Everyone is ready to anticipate an event.
Insurance is an error of one way or method to be able to maintain people on avoiding the risk (threat) of various dangers that will occur in his life, on traveling an activity of his life or in his economic activities.
Insurance means any agreement that is included in this type of profit-profit agreement where this agreement is deliberately based on events that do not necessarily occur in the future, which incident will determine the profit and loss of one of the parties.
Insurance is an agreement where as the insurer uses to enjoy a premium binding itself to the insured in order to free themselves from losses due to loss, loss or lack of profits that have been needed that will be suffered by him due to an event that is not necessarily certain. Insurance ElementsThe insured party (insured) who promises to be able to pay insurance money to the insurer, at once or gradually (loss insurance).The insurer (insure) who promises to pay a certain amount of money (compensation) to the insured party, at once or gradually if something happens that contains an element of non-exclusive (dues for coverage of some money).An uncertain (previously unknown) event.Interests (interests) are very likely to suffer losses due to indeterminate incidents.Insurance PurposeProvide a guarantee of protection based on the risks of loss experienced by one party.As an equalization of porto, that is relative to being able to issue a porto in a certain amount and do not need to renew themselves the losses that have occurred using an unspecified amount and undoubtedly.Increase efficiency, because it is not necessary specifically to provide supervision and security to put protection that will consume a lot of time, energy and cost.As a savings, because the amount to be paid to the premium company will be returned at a larger amount based on before. (This is especially true when it occurs in life premiums).The basis of the bank to be able to put credit, because the bank itself also requires collateral or protection for money given to money borrowers.Closing the loss of earning power of a person or also a business entity when he is not working or not functioning.To transfer a risk that was originally on the owner’s side to the insurance who was ready to get the risk earlier.To be able to compensate for losses to the parties concerned and receive profits in addition to putting some guarantees on the premium participants.Insurance Function
1. Saving Tools or Infrastructure
Saving infrastructure is, a number of funds that can be insured have a cash value and can be taken back, this includes exclusive types of insurance such as whole life or endowment, there are types of coverage contribution products that are deliberately combined with an investment, which is called unitlink.
2. Provide Protection or Security