Insurance Closing is the initial process where prospective customers will apply as customers and apply for insurance. In the world of insurance, there are 6 basic principles that must be met, namely: 1. Insurable interest The principle of insurable interest is the right to insure, which arises from a financial relationship between the insured and the insured and is legally recognized. 23 2. Utmost good faith The principle of good faith is an act to accurately and completely disclose all material facts regarding something to be insured, whether requested or not. The meaning is: the insurer must honestly explain clearly everything about the extent of the conditions of the insurance 3. Proximate cause The principle of cause and effect is an active, efficient cause that creates a chain of events that gives rise to an effect without the intervention of someone starting and actively from a new and independent source. 4. Indemnity The principle of compensation is a mechanism whereby the insurer provides financial compensation in an effort to place the insured in the financial position that he has shortly before the loss of the KUHD articles 252, 253 and is confirmed in article 278. 5. Subrogation The principle of subrogation is the transfer of claim rights from the insured to the insurer after the claim is paid.
This is especially true for life insurance.
6. Contribution The principle of contribution is the right of the insurer to invite other insurers who share the same responsibility, but do not have the same obligation to the insured to participate in providing indemnity. In general, the benefits of insurance are: 1. Providing guaranteed protection from the risks of loss suffered by one party. 2. Increase efficiency, because there is no need to specifically provide security and supervision to provide protection that takes a lot of energy, time and cost. 3. Transfer of risk, by paying a relatively small premium, a person or company can transfer the uncertainty of their life and property risks to an insurance company 4. Equitable distribution of costs, which is enough to only pay a certain amount of costs and do not need to pay for the losses themselves incurred the number is indeterminate and uncertain. 5. The basis for the bank to provide credit because the bank requires a guarantee of protection for the collateral provided by the borrower of money. 6. As savings, because the amount paid to the insurance will be returned in a larger amount. This is especially true for life insurance. Apart from being a form of financial risk control, insurance also has various benefits which are classified into the following functions: 1. Primary Main Functions a. Risk Transfer As a means or mechanism for transferring the possibility of risk or chance of loss from the insured as the "original risk bearer" to one or several insurers a risk transfer mechanism. So that the uncertainty of uncertainty in the form of the possibility of loss as a result of an unexpected event, will turn into insurance protection which is certain to change the certainty of loss into compensation or claim compensation with the terms of premium payment.
Means of saving investment funds and invisible earnings.
Data Collector As a collector of funds from the policyholder community which will be paid to those who experience a disaster, the collected funds are in the form of premiums or insurance fees paid by the insured to the insurer, managed in such a way that the funds grow, which will later be used to pay losses which one of the insured may suffer. Balanced Premium To regulate in such a way that the premium payment made by each insured is balanced and reasonable compared to the risk transferred to the insurer for an equitable premium. And the size of the premium to be paid by the insured is calculated based on a premium rate of premium multiplied by the Sum Insured. 2. Secondary Additional Functions a. Covert Exports invisible export as covert sales of commodities or intangible goods abroad b. Stimulator of Economic Growth as insurance is to stimulate business growth, prevent losses, control losses, have social benefits and as savings. Means of saving investment funds and invisible earnings. Means of Prevention of Loss Control 27 In addition to having a good function, insurance also has the following objectives: 1. Providing guarantees of protection from the risks of loss suffered by one party. 2. Increase efficiency, because there is no need to specifically provide security and supervision to provide protection that takes a lot of energy, time and cost. 3. Equitable distribution of costs, that is, it is sufficient to only pay a certain amount of costs and there is no need to replace or pay for the losses that arise, the amount of which is uncertain and uncertain.
This is especially true for life insurance.
4. The basis for the bank to provide credit because the bank requires a guarantee of protection for the collateral provided by the borrower of money. 5. As savings, because the amount paid to the insurance will be returned in a larger amount. This is especially true for life insurance. Covers coverage for losses due to damage or destruction of the insured property due to causes or events insured against causes or dangers mentioned in the contract or insurance policy. In loss insurance, the insurer receives a premium from the insured and in the event of damage or destruction of the insured property, compensation will be paid to the insured. Loss Insurance Products 1. Fire Insurance 2. Marine Transportation Insurance 3. Motor Vehicle Insurance 4. Ship Outboard Insurance 5. Customs Bond Insurance 6. Personal Accident Insurance 7. Health Insurance b.
Life Insurance Covers coverage to pay a certain amount of compensation due to someone's death or survival within the coverage period. In life insurance, the insurer receives a premium from the insured and if the insured dies, the sum insured is paid to the heirs or someone appointed in the policy as the recipient of the compensation. Life Insurance Products 1. Pure Life Insurance Whole Life Insurance 2. Long Term Life Insurance 3. Short Term Life Insurance Term Insurance Loss Insurance Products in the Social Insurance Program 1. Personal Accident Insurance issued by PT Jasa Raharja 2. Health Insurance and Day Savings Old age issued by PT JAMSOSTEK Life Insurance Products in the Social Insurance Program 1. Pension Fund and Old Age Savings Program for civil servants and ABRI organized by PT. TASPEN and PT ASABRI Insurance Tariff is a unit price of a certain insurance contract, for a certain object of insurance, against a certain risk, and is used for a certain future as well. A tool for measuring realistic risk, the reality of risk, which ranges and depends on the quality, the greater the possibility of loss, the greater the rate. The insured object is all property and human objects that can be insured by the rules because there is a possibility that they will experience a risk that can cause losses from a financial point of view.
This money is called a float.
Example: a. Residential houses, buildings, factories, places of business b. Cars, boats, planes c. Human soul, health d. Insurance companies also get investment benefits, this is obtained from the investment of premiums received until they have to pay claims. This money is called a float. The insurer can make a profit or loss from the changing price of the float as well as the interest rate or dividend on the float. In the United States, property losses and deaths recorded by insurance companies were US$142.3 billion in the five years ending in 2003. But the total profit in the same period was US68.4 billion, as a result of the float. SPPA is a form that must be filled out by the prospective insured in the context of closing the insurance which will be used by the insurer to evaluate the level of risk of the object of coverage.
IDR 5,000. 000 max 3 passengers and without insurance ambulance, workshop, transportation costs c.
In the language of insurance itself, insurance closing means to open or cover insurance. 31 1. Insurance Policy An insurance policy is a document containing an agreement between the insured and the insurer regarding the risks to be insured. 2. Insurance Premium Insurance premium is a sum of money that must be paid every month as an obligation of the insured for his participation in insurance. Policy Costs Form of Insurance : GOLD : 2.7 Stamp Fee : Rp 12,000 SILVER : 2.6 Policy Fees : Rp 15,000 CLASSIC : 3 With the following conditions: a. IDR 7,500,000 max 3 passengers and full other guarantees b. IDR 5,000. 000 max 3 passengers and without insurance ambulance, workshop, transportation costs c. IDR 2,500,000 max 3 passengers and without insurance for ambulance, workshop, transportation costs 32 d. The price of the insured vehicle is adjusted to the market price at the time of application, not the price of the vehicle at the time of purchase e. Software must be owned by a system in order to achieve a goal. PHP is a language that only runs on the server whose results can be displayed on the client. PHP is also the standard language used in the world of websites, a programming language in the form of a script that is placed on a web server. There's a lot of programming running on the server. Currently, websites that use PHP programs as the basis for data processing.
Are you planning to buy an automatic car? Or planning to ride it in the near future? Maybe you already know that the way to drive an automatic car is different from the usual car, which shifts the gears manually. Automatic cars have automatic transmissions, where the automatic car gearshift system is designed to be able to move without having to step on the clutch pedal. Automatic transmission has two types of systems, both of which are also known to be simpler and easier, namely semi-automatic and automatic systems. This is How to Check Jakarta Number Plates, Easy! Even though it's automatic, it doesn't mean that driving an automatic type car is just playing the gas and brakes. You also have to be required to have a good feeling in measuring engine power because automatic cars also have transmissions that you can adjust depending on your needs. You will meet the automatic transmission lever with the code P, R, N, D, D3, 2 and L. If you are a new player in driving an automatic car, you are definitely confused by the letters and numbers that are rarely found. 9 Ways to Get Rid of Stickers on Motorcycles, Smooth Back Again! How to Check Vehicle Number Plate Owners Online, Easy! Complete Car Window Film Price List, Must Know! Well, to help you recognize a dead car gear, Qoala will explain in full about automatic car gear, from how to drive it, the meaning and function of each of the codes above and other information you need to drive an automatic car through this review.
If it's your first time driving an automatic car, you may be a little confused about how to drive it. Especially if you are used to using a manual car, which has a different way of operating the gear from the automatic one. This is because you don't have to adjust the clutch or shift gear because it's done automatically. You just need to stop and go without shifting gears or playing the clutch. But if you are not used to having to be careful, you might get confused between the brake pedal and the pedal or the wrong way to use the automatic car gear. Not infrequently heard of accidents because they are not familiar with how to shift gears automatic cars that are not familiar. Therefore you must know some important things in how to drive an automatic car below. As a beginner you need to be careful so that the lever is always in the correct position. First before starting the engine, the lever position must be in the P position or in the N position. Do not position the lever in reverse or R, these positions are used to reverse. If the lever is in the R position, the car will not start when it is started.