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Insurance products have been in circulation for a long time. However, the Indonesian insurance market has been developing very slowly. At this point, the insurance market value reaches just 3% of GDP. Low insurance penetration is caused by the understanding of a limited community of insurance.
Free Insurance Artinya
There are many indicators that indicate limited understanding. For example, many people compare insurance to savings, banking or investment products.
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This is clearly a false comparison given that insurance is covered. If you include people with questions about insurance, it’s a good idea to ask:
Insurance products are formed because of the greatest sincerity or integrity on both sides, that is, insurance parts of the insurance company. This is intended to avoid losses on both sides. For a potential client, a form of sincerity is to reveal the insured object in detail and clear.
For example, if you are considering health insurance, you must declare your medical records. This is considered when an insurance company accepts or rejects an insurance company’s application.
If you don’t declare it from the beginning, risk arises and if a complaint is sent, the insurance company can even decide on the policy because what is supported is an existing pre-existing pre-existing condition or policy before politics, and you are not previously Franco.
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As is commonly asked, the assessment that insurance is intended to find profits is clearly incorrect. Insurance is a roof product, not a savings that is a bank product, but an investment product that is specifically developing a developed product. As a cover product, the advantage offered by insurance is risk protection.
While we should remember many insurance products that are combined with investments today, the main advantage offered by insurance remains risk protection.
Insurance products are not products that offer benefits that can be concluded in the sense of coverage, one of the principles of insurance. This principle confirms that the benefit of insurance is to restore the customer’s financial position in the case of risk, in the position before the risk occurs.
For example, insurance companies replace the costs spent on treatment because someone gets health insurance, gets sick and should get used to spend money on medical expenses. Therefore, a person’s financial condition returns to health, as before the risk of illness.
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At the same time, the allowance principle aims to dissipate parties seeking to commit insurance crimes. An example of an insurance crime is when a customer intentionally has a different insurance contract, they acquire risky benefits over and over by forgeing fraudulent data or behavior during the process of submitting a request.
The principle of insured interests regulates that acceptance of insurance that can be received is merely a request submitted by a potential client with a direct financial right to the insured. For example, you can only enter into insurance contracts for losses in shops or other properties.
Your request to enter into an insurance contract for losses in a store, warehouse, or property belonging to another person must be denied. Just like those who are not linked to Society X’s owners and nuclear families, he cannot purchase insurance for life with the owners of insured company X. This principle of insurance benefits aims to exploit the benefits of insurance products to avoid people who do not have someone else’s financial rights.
This is usually done when an object requires high values for protection. This is intended to reduce the risk that the insurer needs to support if the customer carries risks to the insured object. When bringing in objects, some insurers can provide profits based on principles.
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In the event of risk, each insurance company is responsible for the proportionate part of each party.
6. If someone has car insurance and is attacked by another vehicle, why is the insured not released from the author’s compensation project?
Insurance recognizes the principle of subrogation, which means that insurers will replace the insured when requesting coverage from a third party. In this case, it hits the car. Therefore, in the event of an accident, the insurance company will handle repairs to someone else’s car. At the end of the car repair, the insurance company asks you to pay coverage for the collision.
This is because your insurance includes the following causes: This is a principle that explains the main causes of risk. For example, health insurance states that it is guaranteed in writing that causes it to provide benefits from hospital services.
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This cause must be explained in detail and in detail to avoid conflict due to bad interpretation of the cause of risk. By specifying these terms, the insurer will pay compensation if the loss is derived from one of the reasons for which it was guaranteed.
I hope that the above explanation will no longer be confused with the principles of insurance. Now, protect yourself with insurance now.
The company was launched in 1981 with the opening of its representative office. Indonesia is currently present in the Life Insurance, Health, Pensions and Sharia Insurance Fund, supported by over 1,400 employees and over 20,000 sellers, and supported by more than 7 million distributors who insured Indonesia with the help of their bank partner network and other distribution partners.
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