Asuransi Bisnis Indonesia – Insurance League – dear reader, how are you? We hope that your business works smoothly and will achieve the best results this year.
This article is inspired by a reality that currently exists in Indonesia and in the international market that experience financial difficulties. One of the reasons is the result of the Covid-19 crisis, which occurred almost 3 years ago.
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Therefore, we must be careful when choosing an insurance company, if the wrong decision may lead to your accident, which should be declared unpaid, or even if it was not paid as expected.
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As you may know that the purchase of insurance is an important solution, so the choice of the right insurance company is important. So, how do you find out whether the insurance company is good or not? Our articles will help you identify insurance companies of good quality. It will be easier for you to decide which one to choose.
Basically, the purchase of insurance can be very tiring. Definitions, conditions, scale, exceptions and support can cause confusion and can make you dizziness.
Imagine the loss of everything that you have out of fire, and you have no insurance to help restore your life on the right path.
When they ask people who are their insurance company, they usually answer: “I don’t know,” or they give me the name of their broker.
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For your consideration, if there is a loss in your home, car or business, the last thing you want to do is to find out who is your insurance company and who is your broker and how they help when your life is turned upside down.
For your information, not all agents and brokers of insurance companies and insurance companies have permission to work in Indonesia. According to the rules, you can only buy from a company that has a license from Indonesian financial authority (OJK), because in this way you can rely on OJK to help you if there are problems. To find out what companies have a license in your state, contact the Department of State Insurance.
Trust is one of the key quality of a good insurance company. A good insurance company is committed to its customers and remains true to its mission.
Does the insurance company have a good reputation in this industry? Does the insurance company have a good note of claims? Do their partners / brokers and customers consider them and remain loyal to them? Do they fulfill their promises? How long have they been created? These are some of the questions that you need to study.
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The main reason for the purchase of insurance is mental peace. You want to make sure that if there is an unfavorable situation, your insurance company will be there to protect you on this path so that you can focus on the restoration of assets. Therefore, the vision of the financial condition of the insurance company is very important.
Check – they paid complaints earlier and, as promised? Do they have a solid notes? Who is the guarantor of emissions?
You will not find a company with a positive review. If the information does not answer all your questions or forces you to feel not appropriate for them, study other companies. Like other purchase solutions, you should feel comfortable with the solution.
If there is a difficult situation with a claim, you do not want to hear your insurance company, you cannot pay your complaint from its bad financial results. Many insurance companies work with independent rating agencies that consider many factors and financial results to determine the cost or assessment of letters.
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You buy insurance to protect you financially and ensure mental calm. Choose a company that will probably be financially healthy for many years using a rating from independent rating agencies.
Leading insurance companies continue to maintain relevance with expatriants, guaranteeing that their products will be competitive. They develop their products in accordance with the changes of their customers. Ask yourself – can they provide flexible options so that customers can choose and choose what they need? Can they pay only this, from the point of view of levels and areas of coating? What is included in politics? How much is included in politics? Will the policy be convinced that the needs of the client are satisfied? Does this provide automatic updates?
Many companies sell insurance policies, and prices vary greatly from one to another, so it really pays to purchases. For certain types of insurance, OJK can issue guidelines that show that insurance companies are worn for various policies in various parts of your state.
Although the price should be a consideration when buying insurance, it should not be the only one. Remember the old proverb: “You get what you pay.” There are many reasons why prices differ between insurance operators.
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Lower prices may mean that you have fewer opportunities. Less coating means more money from your pocket when there is a loss. Lower prices may also mean that insurance operators entered the new market for them, so he may have no experience that other insurance companies will have.
A good insurance company always guarantees that you will receive good money. Find out if the insurance company has a different price structure in each specific target audience.
You should feel comfortable with the purchase of your insurance, whether you buy it from a local broker, directly from the company by phone or via the Internet. Make sure that the broker or company will be easy to contact if you have questions or you need to file a lawsuit.
Your insurance company and its representatives must answer your questions and cope with your claims fairly, efficiently and quickly. You may feel whether this is a problem by talking with other customers who used a specific company or broker.
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Research and choice, which insurance is most suitable for you, and your assets are a very demanding process. Thus, it is important that the insurance company is as clear as possible in its communication.
This includes a clear explanation of the advantages using terminology and standard definitions, and informs participants about the causes of premium inflation. In addition, providing information necessary for consumers to evaluate the product is clearly presented in the general format to facilitate simple comparisons, has a clear claim procedure, etc.
The credit rating of the insurance company is the opinion of an independent institution regarding the financial stability and ability of the company to pay for claims under policies. This does not show how well the performance of the securities of the insurance company for investors. In addition, the credit rating of insurance companies is considered an opinion, not facts, and the same rating of insurance companies may differ among the ranking of institutions.
There are four main educational institutions of insurance companies: Moody’s, A.M. Best, Fitch and Standard & Poor’s (everything except A.M. Best also provides company credit ratings for investors). Each agency has its own rating, which does not always coincide with the rating of other companies, even when the rating looks the same.
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The credit rating of insurance companies is important because many people and enterprises depend on insurance companies to pay claims when they suffer from insured losses. The insured risk is usually a risk that will lead to large financial losses, if not insured. However, insurance companies can only pay if they have money. Like other enterprises, insurance companies can go bankrupt.
As you can read from the description above, there are at least 10 things that you need to know when choosing an insurance company.
If you make the wrong choice, then the accident that you can suffer should be replaced by insurance and will not pay, because the insurance company cannot pay.
Insurance brokers are always updated with the development of the insurance industry. Continue to follow each change in the state of all existing insurance companies. Insurance brokers will only choose the best insurance companies that meet almost all the criteria mentioned above.
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Taufik Arifin has more than 30 years of experience in the insurance brokerage industry. It has a certificate of insurance and financial institutions of New Zealand Australia (Anziif SNR.ASSOC) CIP and certified Indonesian insurance brokers (CIIB). Please follow the author’s Instagram to find out in more detail: @taufik.arifin.31 Activities employee in front of the Sharia Insurance logo in the Indonesian Sharia Insurance Association (AASI), Jakarta, Monday (10/20/2023). Currently, the news has spread that a number of business units or BUMN UUS insurance will be consolidated both through acquisition and by mergers. – Jibi/bisnis/abdurachman
Bisnis.com, jakarta – insurance companies that have commercial divisions of Sharia (UUS) are required to separate or rotate until December 2026. As for the delivery of changes in terms of work for the separation of Sharia business units (RKPU) no later than December 31, 2023.
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The head of the supervisory supervisory insurance, guarantees and pension funds simultaneously members of the Commissars Council OJK OGI PRASTOMIYONO said that only three companies introduced RKPU.
“In accordance with the changes in the RKPU, the company has two companies that distract Sharia portfolio in other Sharia insurance companies,” OGI said in a written response on Thursday (07/12/2023).
Meanwhile, one more company will do everything possible by creating a new company. In order to create an insurance company on Sharia or a new reinsurance company, the results of Spin UUS are accompanied by the transfer of the portfolio of membership to insurance companies in Sharia or a company to reinsure the Sharias that arise as a result of the separation of a unit.
For insurance companies UUS and insurance companies that choose methods of creating the company Transfer Portfolio Company, covering all assets, obligations and joint -stock capital owned by UUS.
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While those who transfer the entire UUS participation portfolio to the Shalias in Sharia or the Rusting the Shariah, which have received business licenses, the transfer of the membership portfolio includes: Tabarru funds, investment funds of participants, minimal funds of the company for preliminary UJRAH during the transfer and Cardda necessary during the translation. The transfer of the portfolio was carried out no later than six months from the date of approval of the separation of UUS OJK.
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