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In marking the day of insurance that falls on October 18, let’s look at the story behind the presence of insurance both in the world and in Indonesia.
Asuransi Adalah Singkat
The provision we know today is very useful as a risk management tool. Having insurance, we are moving the financial risk or the loss we need to keep if something unexpected happens to the insurance company. In marking the day of insurance that falls on October 18, let’s look at the story behind the presence of insurance both in the world and in Indonesia.
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Investopedia pointed out, this year the Hammurabi Code Law was found by King Hammurabi from Babylon (now Iraq). One of the rules regulated in the Hammurabi code is the obligation of traders buying goods with a loan and transporting them by boat to pay additional funds as a guarantee that the loan will be canceled if the ship is stolen. It is believed to be a precursor of insurance.
About 600 BC, the Greeks and Romans first created the provision of life and health. This product provides care for families who remain if the nutrition dies.
In the 12th century, state security was introduced in Anatolia. With this insurance, if traders are robbed in the area, the state treasury will compensate for traders.
Insurance policy tangerines unrelated to contracts or loans were presented in Genoa in the fourteenth century. Security policy was first discovered in 1347. In the next century, maritime insurance was formed. Separation of insurance from contracts and loans is the main change that affects insurance in the coming years.
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In the 17th century, fire was a constant threat to England. In 1666, there was a huge fire in London, which destroyed more than 13,000 houses and dozens of churches for five days. From this incident, a doctor, an economist, and the Barbon Nicholas performer created fire security. He founded the First World Fire Security Company.
In the US, the first insurance company was founded in 1732 in South Carolina and offers fire protection. In the 1800s, insurance companies for fire insurance companies were developed in life insurance and some other covers.
According to Indonesia’s insurance history, how he quoted History, January 2020, the first Indonesian insurance company was founded by a Dutch citizen named Bataviaasche Zee en Brand-Assureschappi, which was founded on January 18, 1843.
Subsequently, several other insurance companies supported that supported insurance companies in the Netherlands, such as NV Handel, EN Landbouw Maatschapij Tedeman & Van Kerchem and Escmetto Bank, and Nersch indischekekering en Lijfrel (Nillmij). However, all insurance companies in Indonesia at the time were simply targeting the Dutch.
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RW dwidjosewojo, a member of Yogyakarta Bredyada Breddi Ooetomo and then studied Nillmium. Then dwidjosewojo with M Card Hadi Soebroto and M Adimidjo was founded by an insurance company targeting the Indonesian market called Wonderinge Levensverzeketing Maatschappij PGHB (OL MIJ PGHB) on February 12, 1912.
Pay attention to May 2017. They pointed out that Ol Mij PGH then transferred his name to Ol mij Boemi Poetra (1912), and today it is known as life insurance by bumiputer.
Some Dutch ownership -owned insurance companies, including the NV Assurantie Maatschappii de Nerlandern and Bloom Vander Ee to PT Asurani Bendasraya and De Nederlanden Van Insurance Company (1845) became PT Asurani Jiwasraya.
Quoted by the Indonesian Insurance Council (DAI), an initiative for the day of birth or the day of insurance first appeared at a conference of members of the Eastern Congress (EAIC) in Brunei Darussalam. From the meeting, members of EAIC agreed on October 18 as an insurance day.
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Now, in Indonesia, the Insurance Day Committee consists of six members of DAI members, namely the Indonesian Life Insurance Association (Aaji), the Indonesian Association for General Insurance (AUUI), the Indonesian Insurance and Social Insurance Association (AAJI), the Indonesian Association Sarajevo (AASI).
The insurance industry hopes that the insurance day marking will raise public awareness of the importance of insurance, improve the image of the insurance industry and the public can feel the benefits of the insurance industry among them.
Going from a long journey above, the modern world is now familiar with three types of insurance, namely life insurance, health insurance and general insurance. Although insurance products are widely known as risk management, many Indonesian people use insurance.
This can be seen from the level of insurance penetration into the homeland that is still low. The Directorate of Financial Services (NGOs) quoted Bisnis Indonesia in September 2020, noticed that the level of life insurance penetration in Indonesia until July 2020 reached only 1, 1%. While the NGO noted that by 2018, the level of penetration of all insurance in Indonesia had reached only 2, 7%. This amount is much lower than the neighboring single, which ranges from 6%-7%. The level of writing -community read which is still a low cause is this minimal penetration.
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Economic pressure in the current pandemia of the Corone virus also causes the insurance industry to face numerous challenges. The NGO quoted by CNN Indonesia showed that the increase in life insurance premium in the second quarter of 2020 RA 10%, while general insurance premiums and reinsurance also suffered the same at the same period. Despite dealing with numerous challenges, the NGO predicts that it is only temporary. That is, low penetration continues to open a very wide space for the development of insurance in Indonesia.
If you do not currently have a insurance product, it is not too late to enjoy the benefits. You have a variety of life insurance protection, health insurance and general insurance to feel the benefits of insurance in risk management. Having insurance, life is safe, the heart is calmer.
Starting Business in Indonesia by opening a representative office in 1981. Indonesia is now present for general insurance, life insurance, health, pension and Shari’ah insurance funds supporting more than 1,400 employees and more than 20,000 sellers, supported by a network of bank partners and other distribution partners, so that there are more than 7 million Indonesia.
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