Understanding, Benefits And Insurance Type

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Understanding, the benefits and types of insurance-Insurance is very much in need of people to guarantee, Ananlisa.blogspot.com will share the understanding, the benefits and types of insurance. What is insurance? What are its benefits? What are the Types? refer just understanding, benefits and insurance type.

1. UNDERSTANDING INSURANCE

Understanding, the benefits and types of AsuransiMenurut law No. 2 of 1992, article 1:

"Insurance or coverage is an agreement between two or more parties, with which the Insurer committing yourself to the insured, by accepting the insurance premium, to provide the insured replacement due to loss, damage or lost profits expected, or legal liability to third parties which may be suffered by the insured arising out of an event that is not definitely, or to provide a payment based upon the life of someone who died or dipertanggungkan".In fact, insurance is a contract between a customer's insurance (the insured) the insurance company (insurer) concerning the transfer of risk from the customer to the insurance company.

The risks include: possible loss of transferred material which can be assessed with the client's money, as a result of the occurrence of an event which may/not bound to happen (Uncertainty of Occurrence & Uncertainty of Loss). For Example:

1. Risk of burning buildings and/or property in it as a result of human negligence, lightning strikes, the current short.

2. the risk of damage to car because of traffic accidents, loss due to theft.

3. Death or personal injury due to an accident, it hurts.

4. flooding, hurricanes, storms, earthquakes, Tsunamis

2. INSURANCE BENEFITS

Understanding, benefits and insurance AsuransiSetiap Types must be useful, which in general benefits are:

1. to provide a guarantee of protection from risk-the risk of losses suffered one party.

2. increase efficiency, since it does not need to be specifically made for security and surveillance to provide protection that takes a lot of effort, time and cost.

3. Transfer of risk; By paying a relatively small premiums, a person or company can move the uncertainty of life and treasure the chance (risk) to insurance companies.

4. equitable distribution of costs, that is quite simply by issuing a certain amount and expenses do not need to replace/pay for itself a number of losses arising are not necessarily and not definitive.

5. the basis for the bank to provide credit because the bank requires guarantees of the protection of the collateral given by the borrower money.

6. As for savings, because the amount paid to the insurance will be returned in greater numbers. This is especially applicable to life insurance.

7. close the Loss of Earning Power of a person or business entity

3. TYPES of INSURANCE

Understanding, benefits and insurance AsuransiJenis Types can be outlined as follows:

1. fire insurance

Fire insurance is insurance that charged loss due to fires that occur on the Mainland.If a building has been insured against fire disasters, the inclusion in the Treaty.

2. Transport Insurance

Transport insurance is insurance against risks likely charged haulage.

Transport insurance can be divided into:

a. land-river transport Insurance

b. ocean freight Insurance

c. air transport Insurance.

3. life insurance

Agreement between the parties, the parties listed therein which promised to pay the premium and the other party promises to pay an amount of money that you have determined if the person insured dies or no later than at the time specified. Life insurance is an agreement between a consumer and an insurance company stating that the insurance company will provide the compensation amount if the consumer dies, or a certain time until covered. With this insurance, the families left behind feel secure in terms of finance, although this is not diharap-harap.

The market share of life insurance in our country is very potential. 2001 10,71% of the population is already becoming consumers life insurance, as expressed by AAJI = life insurance Association of Indonesia.

Life insurance consists of two types namely:

a. the insurance capital, on this insurance has been listed in the policy that when it comes time (insurance period runs out/dies) then the indemnity will be paid all at once.

b. Insurance life a living, here damages payable periodically during that dipertanggungkan is still alive

4. Credit Insurance

Risk-the possibility of granting credit charged to others. In this insurance only indemnify extended 75% of losses.In our country ever LJKK (Cooperative Credit Guarantee Institutions) which gives a guarantee to the Bank, against lending cooperatives.

5. Theft Insurance

Included in this theft insurance should be mentioned one by one the insured goods. If there is a risk, then the goods will be replaced.

6. Insurance companies

Insured losses this concerns companies that harmed by any cause that can stop/inhibit the activity of the company.Replace the disadvantage normally based on the gross profit of the company's activity has been stopped because of spite.

7. car insurance

Dipertanggungkan risk in the insurance of motor vehicles include: vehicle loss or damage caused by collision, collision, reversed, slipping in the way, so anything, because the evil deeds of others, theft, fire, lightning, also includes losses due to uru hara, and total lost from the vehicle.

8. insurance against liability for law

Made to keep the insurance in case we do mistakes that can harm a person or property of a person.

9. Labor Insurance (Astek)

Labor insurance i.e. insurance venture set up by the Government to bear the risk that befell labour inside/factory.With this insurance services entrepreneurs and the public generally can reduce/relieve this plague.In addition to the expected economic protection insurance, financially by providing facilities that can help the interests of the people.