Asuransi Adalah Lembaga – 2 Definition of insurance is done by transferring/transferring risk on the one hand to another in this case the insurance company.

In addition to a type of risk control (economic), insurance also has different benefits classified in: key functions, secondary functions and other functions. The main job of insurance is to transfer risks, raise funds and flat premiums. The secondary role of encouraging business growth insurance, preventive losses, control losses, social benefits and savings. While the additional insurance function is investing in invisible funds and profits.

Asuransi Adalah Lembaga

All risks cannot be insured. Insured risks are: risks that can be measured in money, with homogeneous risks (the same risk and secure enough with insurance), pure risk (this risk does not give profits), specific risk (individual risk), a sudden risk (accident), interest given to insurance (the insured is interested With the purpose of covering) and the risks that do not clash with the law.

Mengenal Apa Itu Asuransi: Cara Kerja, Unsur, Fungsi, Jenis. –

6 Business Licensing Business Business of each party is required to obtain a Minister’s Business License, except companies with social insurance plans

Compliance with the business license needs of proof, including: the company’s union writings approved by the competent authority; Organizational structure and companies management that shows separation of functions and reports. Experts with skills according to their business areas; A collaboration agreement with foreign parties mentioned in Indonesia, in the event of direct participation of foreign parties. In the case of insurance companies, the details of the insurance plan that must be marketed as well as their variation plans; For sub -insurance companies, recovery plans;

For companies where foreign parties have direct parties: Recommendations from the Agency for Agency and Insurance Supervisors who said that foreign parties have a good reputation and that their business permits are still valid; The financial statements were tested for two (two years) for both foreign and Indonesian parties. Foreign financial statements must describe their capital cost 2 (two) at least the amount of direct participation for the company seeking a business permit;

Witta and Revenue Curriculum support the management and experts employed; A statement that the directors are inconsistent with limited obligations or management for collaborations with executives in other companies; The taxpayer’s identification number (NPWP) for companies requested for business licenses and the company’s NPWP management, the Commission Council and the shareholders, except foreign taxpayers; Proof that half of the company’s management had knowledge and experience in the insurance business at least 5 (five) years; Proof that the company’s management responsible for the risk management function in this area is at least 5 (five) years; Proof of paid capital in the form of a deposit photography on behalf of the Minister of Finance for the benefit of the Company relating to the receiving bank law; Financial reports that include the open balance and the income report;

Apa Itu Asuransi Kesehatan Syariah?

Work programs and preparation data carried out by at least including companies: precedent values of the balance sheet, profit and loss calculations and cash flows, as well as their assumptions that support them, for at least 3 (three) years; To meet the realization of human resources and infrastructure as well as team programs, including the human resources development program, at least 3 (three) years; Data processing systems that can be accurate and explain the information in decision -making as well as forms used; An administrative system that is under internal control; Operational guidelines that will serve as work guidelines for all organization units; A written statement from an insurance company or an insurance company with support for sub -insurance cooperation. In addition, no later than 30 (thirty days) from the date of a business license, the company must submit the sub-insurance support plan.

An application for a business license supporting business insurance in the form of legal entities (1) compliance with proof of business license requirements, including: articles by the Company Association raised from the competent authority; Experts with skills according to their business areas; Professional Completion Insurance Policy (especially for insurance brokers and sub -insurance brokers); A collaboration agreement with foreign parties mentioned in Indonesia, in the event of direct participation of foreign parties. For insurance agents, agency agreements with age insurance companies.

For companies where foreign parties have direct parties: Recommendations from the Agency for Agency and Insurance Supervisors who said that foreign parties have a good reputation and that their business permits are still valid; The financial statements were tested for two (two years) for both foreign and Indonesian parties. Foreign financial statements must describe their capital ownership at least twice (two) of the amount of direct participation for companies requested for business permits (especially for insurance brokers, sub -insurance brokers and losses);

Witta and Revenue Curriculum support the management and experts employed; The taxpayer’s identification number (NPWP) for companies requested for business licenses and the company’s NPWP management, the Commission Council and the shareholders, except foreign taxpayers; Financial reports that include the open balance and the income report; Proof that the management of the company has knowledge and experience in the operating business sector, at least 5 (five) years; Proof of paid capital in the form of a deposit photography on behalf of the Minister of Finance for the benefit of the Company relating to the receiving bank law;

Aiapedia: Kamus Besar Istilah Asuransi

An application for a business license that supports a business insurance company in the form of a single business license requirements, including: experts with skills according to their business areas; For insurance agents, agency agreements with age insurance companies. Personal Identity; Proof of the sign of the agency issued by insurance in Indonesia; Tax ID number.

For insurance and sub -insurance companies: Risk Management Fundamental management functions of service functions; For insurance brokerage companies and sub -insurance: For insurance agents, insurance losses and actuarial consultants: technical functions according to the service field they run.

The application for a submitted business permit will be granted or refused no later than thirty (thirty) the day after the application is fully accepted. Refusing the business license request will be written reasons. Companies that have received a business license may apply to the Minister for Financing to attract paid capital in the form of deposits by the Minister of Finance. Loss insurance companies and sub -insurance companies do not include payment of deposits mentioned above are guaranteed deposits (compulsory deposits). The applicant may refuse deposits mentioned above in the business permit or applicant canceled.

Pamjaki Bekerjasama Dengan Lpma

Losses/RP Life Insurance/RP Insurance Companies does not require 63 of 1999 to adjust the paid capital amount, but encourages its capital to strengthen its capital through financial health instructions.

Based on PP 73 from 1992 RP,- (five hundred million in population), for insurance brokers and sub-insurance brokers. (100% Indonesia) RP. (There are foreign participation) Capital provisions on insurance agents, insurance losses and actuarial consulting companies are not imposed by the operations of companies that are more than a commander, the professional aspect is based on PP NO. Capital Instructions of Insurance Real Estate Companies, Sub -Insurance Real Estate Company, Insurance loss, an actuarial consulting firm and insurance agents, is not laid off by the company’s business operations. Therefore, capital components can be met in accordance with the requirements of the company.

In order to support the government’s efforts to improve the constantly moving national economy and deal with the age of globalization, the role of the competitive insurance industry must be improved more and more through the strong insurance industry to achieve conditions and financial health conditions. And by setting many paid capital, it is expected that the establishment of insurance companies or insurance companies can obtain the insurance industry with strong capital and financial conditions so that they can perform competitive companies.

At the beginning of the establishment, the insurance companies and sub -insurance companies must take at least 20% of the paid capital, in the form of an automatic expansion in commercial banks in Indonesia who are not related to the insurance company and the sub -insurance company concerned. The deposit is the latest guarantee to protect the interests of policyholders. The array of deposit must be on behalf of the minister for the benefit of the company concerned. The deposit must be adapted with business volume development. The deposit can only be paid with the Minister’s approval on the basis: a. At the request of a joint in the case of the company is fluid; Or b. At the request of the company concerned where the business permit is canceled with the provisions of its completed obligations

Ini Dia Perbedaan Asuransi Syariah Dan Asuransi Konvensional

In principle, the capital paid to the Indonesian of the Insurance Company and the sub -insurance company in which no foreign participation is reduced in numbers. However, the percentage of ownership can be reduced on the Indonesian side where the company needs additional capital, when the capital adds that Indonesia’s side cannot maintain the percentage of ownership. Instructions that allow the percentage of ownership of foreign sides that exceed an 80% limit is only for insurance companies and sub -insurance companies with direct participation

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