PRELIMINARY
A. Background
As we already know the word insurance is not new dipendengaran us. But the understanding of the insurance itself deeply, people not familiar with and know. That the general public knows about insurance just as security and aid dependence to others and often mentioned insurance is forbidden to masnyarakat layman. Though the meaning and the true role of insurance in this very well and provide benefits between the two sides, both the insurance company and its customers.
With the insurance can provide peace and relaxation in the affair, because we have insurance do not need to worry to face the risks that will come in the future, and also help us in the face of affairs if any - time calamity or disaster we do not mess around with the imposition of risk or any losses because it has no firm will bear all the appropriate agreements that have been made previously.
In Indonesia itself has plenty of company - a company that runs the field of insurance, we stayed to pick and choose which insurance we will take according to your needs and our finances. To be able to select and sort out the insurance, it would require considerable knowledge of the basic notions - basic insurance. Thus the author intended for knowledge about the basics - basic knowledge about insurance that will be discussed in chapter 2 of the discussion.
B. Problem Formulation
In this paper, we discuss some basic insurance, which will be discussed such as:
1. Definition of insurance.
2. Type - the type of insurance.
3. The benefits of insurance.
4. Type - the type of risk.
5. The principle - the principle of insurance.
C. Benefits of Making Paper
As we have seen in the formulation of the problem there are things - things that will be discussed in this paper with regard to insurance. Once the reader reading this paper is expected to be able to master and find out about the basics - which are directly related to insurance. Minimal readers will learn the true meaning and understanding of the insurance and the benefits of such insurance.
CHAPTER 2
DISCUSSION
A. Understanding Insurance
Nobody can predict what will happen in the future perfectly, though using a variety of analysis tools. Each forecast is made will not be separated from error calculation has been performed. The cause slipping of the results forecast for the future is full of uncertainties even for certain things simply can not be taken into account as death and sustenance. So naturally if something happening in the future can only be cooked up - them alone.
Future risk can happen to a person's life such as death, illness or risk of being fired from his job. In the business world can be a risk facing the risk of loss due to fire, damage or loss or other risks. Hence, any risk that will be faced to be addressed so as not to cause even greater losses.
To reduce the risk that we do not want in the future, such as the risk of loss, risk of fire, the risk of a breakdown of bank loans or other risks, then diperlukna companies that want to bear the risk. Is an insurance company that is willing and able to bear any risks that would be faced by customers, both individuals and businesses bada. This is due to the insurance company is a company that does business terhapad insurance risks to be faced by customers. [1]
Insurance is a form of risk control, by way of transfer / transfer of risk from the first party to the other party, in this case, to the insurer. Transfer is based on legal rules and principles that apply universally, adopted by the first or any other party. [2]
In Indonesia pengerian according to the Insurance Act - Undan No. 1 of 1992 on Insurance Business is as follows:
Insurance or coverage is an agreement between two or more parties, with which the binding to the insured for the loss, damage or loss of expected profit, or legal liability to third parties which may be suffered by the insured, arising from an event uncertain , or to provide a payment based on death or life of an insured person.
Agency risk that channel called "insured", and the agency receiving the risk of so-called "insurer". The agreement between these two bodies is called policy: This is a legal contract that explains each of the terms and conditions are protected. Fees paid by the "insured" to "person for the risks covered by so-called" premium ". This is usually determined by those responsible for the funds that can be claimed in the future, administrative costs, and profits.
Meanwhile, according to Commercial code article 246:
"Insurance or coverage is an agreement by which a binding to an insured, to receive a premium, for reimbursement to him for damage to or loss of expected benefits that may be suffered due to an event that is not necessarily".
Based on these definitions, then the insurance contained four elements, namely:
1. The insured (insured) which promised to pay the premiums to the insurer, all at once or gradually.
2. The insurer (insure) that promises to pay a sum of money (compensation) to the insured, all at once or gradually, when something happens that contain certain elements.
3. An event (accident) is not terntentu (time unknown).
4. Interest (interest) that may experience losses due to certain events that do not.
Based on this definition, the insurance is a form of agreement which must be fulfilled requirements as in Article 1320 of the Civil Code, but with the characteristic that the insurance agreement is speculative as stated in Article 1774 of the Civil Code. According to Article 1774 of the Civil Code, namely:
"An agreement of chance (chance-overeenkomst) is an act that is the result, on balance, good for all parties and the temporary side, depending on an event that is not necessarily".
The insurance agreement where the insured and the insurer bind an agreement on terms and obligations of each - each. Insurance companies charge a premium to be paid the insured premium to be paid previously forecasted first or offset against the value of risks to be faced. The greater the risk, the greater the premium to be paid, and vice versa.
A. Background
As we already know the word insurance is not new dipendengaran us. But the understanding of the insurance itself deeply, people not familiar with and know. That the general public knows about insurance just as security and aid dependence to others and often mentioned insurance is forbidden to masnyarakat layman. Though the meaning and the true role of insurance in this very well and provide benefits between the two sides, both the insurance company and its customers.
With the insurance can provide peace and relaxation in the affair, because we have insurance do not need to worry to face the risks that will come in the future, and also help us in the face of affairs if any - time calamity or disaster we do not mess around with the imposition of risk or any losses because it has no firm will bear all the appropriate agreements that have been made previously.
In Indonesia itself has plenty of company - a company that runs the field of insurance, we stayed to pick and choose which insurance we will take according to your needs and our finances. To be able to select and sort out the insurance, it would require considerable knowledge of the basic notions - basic insurance. Thus the author intended for knowledge about the basics - basic knowledge about insurance that will be discussed in chapter 2 of the discussion.
B. Problem Formulation
In this paper, we discuss some basic insurance, which will be discussed such as:
1. Definition of insurance.
2. Type - the type of insurance.
3. The benefits of insurance.
4. Type - the type of risk.
5. The principle - the principle of insurance.
C. Benefits of Making Paper
As we have seen in the formulation of the problem there are things - things that will be discussed in this paper with regard to insurance. Once the reader reading this paper is expected to be able to master and find out about the basics - which are directly related to insurance. Minimal readers will learn the true meaning and understanding of the insurance and the benefits of such insurance.
CHAPTER 2
DISCUSSION
A. Understanding Insurance
Nobody can predict what will happen in the future perfectly, though using a variety of analysis tools. Each forecast is made will not be separated from error calculation has been performed. The cause slipping of the results forecast for the future is full of uncertainties even for certain things simply can not be taken into account as death and sustenance. So naturally if something happening in the future can only be cooked up - them alone.
Future risk can happen to a person's life such as death, illness or risk of being fired from his job. In the business world can be a risk facing the risk of loss due to fire, damage or loss or other risks. Hence, any risk that will be faced to be addressed so as not to cause even greater losses.
To reduce the risk that we do not want in the future, such as the risk of loss, risk of fire, the risk of a breakdown of bank loans or other risks, then diperlukna companies that want to bear the risk. Is an insurance company that is willing and able to bear any risks that would be faced by customers, both individuals and businesses bada. This is due to the insurance company is a company that does business terhapad insurance risks to be faced by customers. [1]
Insurance is a form of risk control, by way of transfer / transfer of risk from the first party to the other party, in this case, to the insurer. Transfer is based on legal rules and principles that apply universally, adopted by the first or any other party. [2]
In Indonesia pengerian according to the Insurance Act - Undan No. 1 of 1992 on Insurance Business is as follows:
Insurance or coverage is an agreement between two or more parties, with which the binding to the insured for the loss, damage or loss of expected profit, or legal liability to third parties which may be suffered by the insured, arising from an event uncertain , or to provide a payment based on death or life of an insured person.
Agency risk that channel called "insured", and the agency receiving the risk of so-called "insurer". The agreement between these two bodies is called policy: This is a legal contract that explains each of the terms and conditions are protected. Fees paid by the "insured" to "person for the risks covered by so-called" premium ". This is usually determined by those responsible for the funds that can be claimed in the future, administrative costs, and profits.
Meanwhile, according to Commercial code article 246:
"Insurance or coverage is an agreement by which a binding to an insured, to receive a premium, for reimbursement to him for damage to or loss of expected benefits that may be suffered due to an event that is not necessarily".
Based on these definitions, then the insurance contained four elements, namely:
1. The insured (insured) which promised to pay the premiums to the insurer, all at once or gradually.
2. The insurer (insure) that promises to pay a sum of money (compensation) to the insured, all at once or gradually, when something happens that contain certain elements.
3. An event (accident) is not terntentu (time unknown).
4. Interest (interest) that may experience losses due to certain events that do not.
Based on this definition, the insurance is a form of agreement which must be fulfilled requirements as in Article 1320 of the Civil Code, but with the characteristic that the insurance agreement is speculative as stated in Article 1774 of the Civil Code. According to Article 1774 of the Civil Code, namely:
"An agreement of chance (chance-overeenkomst) is an act that is the result, on balance, good for all parties and the temporary side, depending on an event that is not necessarily".
The insurance agreement where the insured and the insurer bind an agreement on terms and obligations of each - each. Insurance companies charge a premium to be paid the insured premium to be paid previously forecasted first or offset against the value of risks to be faced. The greater the risk, the greater the premium to be paid, and vice versa.
