Insurance: January 2018

The Workings Of The Insurance

January 11, 2018 Add Comment

mediamakanan.blogspot.com - The Workings Of The Insurance

The insurance business is a business taking over from the customer to bear the risk of the insurance company. How to close risks is to use funds accumulated premiums paid to cover customer claims affected customer/risk.

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Simply put, take for example a bevy of traders there's 100 people who are members of insurance by paying a premium Rp3 million. The accumulation of total premium collected is Rp300 million. An estimated 100 people from merchants, there are five people who affected with losses each of Rp50 million bringing the total losses were Rp250 million.

The insurance company acts as the insurer risk using the accumulation of premiums to cover the risk of claims affected merchants. While not affected dependents could not receive from insurance companies.

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Insurance companies work process is divided into 3 phases sederahana, namely:

Attract clients

Insurance companies offer products and looking for someone who would be a customer. The insurance company will split any buyer of the insurance policy holder or into different parts. So, if you are using health insurance, there will be mixed with the life insurance or otherwise. Insurance will cover any losses you according to the amount taken policyholders.

Collecting premiums

The customer will be given a premium payment schedules is usually done every month. Through this premium payment then the amount of money from each customer will be processed in order to overcome the problems experienced by other clients and claims to insurance companies. So, a system run by insurance companies is the rotation of money from clients to cover the risks experienced by other clients.

Pay a claim

In case of a claim of the customer experiencing the risk, the insurance company must pay in accordance with the provisions. The insurance company will ensure the incident over claims that the customer is done totally accident and not a deliberate incident. In clause the policy, usually indicated agreement that if events have an element of deliberate action, damages shall not be granted insurance companies.

Have insurance will help you to no longer fear again face the future. If more ready to face the future, will all run more safe and comfortable to run. Understand the workings of the above insurance companies make you the more firmly to join insurance programs.

Read more:
Types Of Insuranc
Understanding Insurance And Insurance Law

Types Of Insurance

January 11, 2018 Add Comment


Types Of Insurance

Mediamakanan.blogspot.com - Insurance companies make insurance grouping policy in accordance with the focus and the risk for them. This gives a measure of uniformity in risk covered by this type of policy, which in turn allows insurance companies to anticipate potential losses and set appropriate premiums. The most common form of the types of insurance policies:

Life Insurance

Life insurance is a type of insurance that provides compensation against the insured due to the risk of death. In this type of insurance, the insurer will pay a premium to an insurance company on a regular basis with the amount and time period specified as compensation for the damages awarded to the beneficiaries (the insured).

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Health Insurance

Health insurance is an insurance product that specifically deal with health problems due to an illness and treatment processes to bear on a member of his or her insurance. Generally includes protecting and bear on the injury, disability, pain, and death due to accident. Health insurance can be purchased for yourself and for others.

Vehicle Insurance

The most popular is car insurance. Car insurance is a type of insurance that provides protection against your car from various risks that might occur. It has 2 types of insurance i.e. TLO (Total Loss Only) which only provides indemnification against heavy damage only and All Risk insurance which provides protection that is thoroughly against your car from any kind of risk of damage to either the small and large damage with different types of expansion which is possible within.

Home ownership and property insurance

A ' homeowners insurance protects homeowners from losses related to their residence, private property insurance protects against loss of, or damage to, the goods of a particular private property. These include protecting and providing relief in the event of an accident in your home such as fire and others.

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Insurance Education

Insurance education is a type of insurance that guarantee the cost of education to the children, where parents will usually pay periodic insurance premiums to insure and pay tuition fees ranging from school to College in accordance with the amount of savings and the premium paid.

There are also business insurance can insure against damage, loss and losses in large quantities to suit the policy. Fire insurance policy covers damage caused by fire, explosion, earthquake, lightning, water, wind, rain, collision, and riots. General Insurance protects the insured against losses, including those related to legal liability, theft, accidents, property damage, accidents, and injuries to workers, as well as credit insurance to others. Credit insurance that protects and regulates the process of borrowing and loan problems in retrieving certain types of credit.

Understanding Insurance And Insurance Law

January 11, 2018 Add Comment

sinarpuisi.blogspot.co.id - In the quotation from wikipedia, that insurance is a term used to refer to the action, system, or business where financial protection to people, property, health and so on to get the turn of events that not predictable as death, loss, damage, or illness which involves the payment of a premium in terartur within a certain period in Exchange for a guarantee of the protection policy. The term "insured" usually refers to everything that is protection.

Insurance legal basis in Act No. 2 Year 1992 about venture perasuransian is an agreement between two or more parties, in which the insurer committing yourself to the insured, by accepting the insurance premiums, to provide replacement to the insured because of the loss, damage or lost profits expected legal liability or third party that may be suffered by the insured, arising from an event which is uncertain, or providing a payment that based upon his life someone who died or dipertanggungkan.

The Agency distributes risk called "the insured", and the Agency accepts the risk of so-called "insurer". The agreement between the two bodies is called policy: this is a legal contract that outlines each of the terms and conditions are reserved. Costs paid by the "insured" to "insurer" for the risk borne by the so-called "premium". This is usually determined by the "insurer" for funds that can be claimed in the future, the administrative expenses, and profit.

An example: a couple buying a home costing $ million. Knowing that lost their homes will lead them to financial ruin, they take insurance protection in the form of home ownership policy. The policy will pay for replacement or repair their houses in case of disasters. Insurance companies about their premiums amounting to Rp1 million per year. The risk of losing the House have been channeled from the homeowner to the insurance company.

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