Beruflich Dokumente
Kultur Dokumente
2012
ANDALAS UNIVERSITY
According to Prof. Mehr and Cammack: Insurance is a social device for reducing risk by combining a sufficient number of units exposed to risk, so that their individual losses collectively predictable. Then the predictable loss was borne equally by those who joined. According to Prof. Willet: Insurance is a social tool to raise funds to address capital losses are not necessarily, carried out through the transfer of risk from many individuals to a person or group of people. According to Prof. Mark R. Green: Insurance is an economic institution that aims to reduce risk, by combining in a number of management objects large enough numbers, so the overall loss can be predicted within certain limits.
B. KINDS OF INSURANCE
Its terms
of
Voluntary Insurance
ASTEK, TASPEN, ASABRI
AJB Bumiputra, PT. Asuransi Bumi Asih Jaya, PT. Jiwasraya, dll.
PT. Asuransi Jasa Indonesia, PT.Asuransi Ramayana, PT. AsuransiEkspor Indonesia, dll.
3.
functions, which guarantees received the money for sure, according to the agreement.
5. By the time the insured dies amount pay smaller premiums. unlimited.
5. The amount of money received depends on the number of deposits plus interest.
E. BENEFITS INSURANCE
as follows: Insurance benefits can be traced from many dimensions which in this case can be described
concentrate its skills in developing creative efforts. Insurance has become a part of every company
companies whose primary task is to provide protection to other firms has become an economic institution that has no small role. Without insurance, the current economic progress is impossible to achieve.
activities. Lenders are not only interested in the state of the company and the existing wealth, but protections is to have an insurance policy.
also how far the company has to protect itself from the events unforeseen future. How to get
to its policyholders and especially the public in general. Contribute a life insurance company in order to improve public health is enormous.
F. ELEMENTS OF INSURANCE
a. Insurance Policy Insurance is a very valuable contract documents that are evidence of remembering the contract was formulated when the insurance company will pay the amount to be borne and paid.
insurance agreement between the insured with a bear party (insurance company). The
b. Insurance premium
The premium is the amount of money that must be paid by the Policyholder to the
Underwriters in the manner specified in the policy and a requirement obtaining insurance coverage. Each premium payment given proof of payment of premium. Premium payment is sesaui with time and the amount that has been agreed in the insurance policy.
c. Cash Value
Cash value is the amount of money that will be paid to Pemegan policy, if the insurance value or not, it can be seen by looking at the General Provisions or Supplementary Provisions Policy
contract terminated before the insurance expires. To ascertain whether the policy has a cash
BAB I SPESIFIC
Based on the explanation above, I am interested in interviewing people who use insurance and who do not use insurance. Some of these are:
2. SASTRAMED Identity :
Name Age Date of Birth Address Last Education Jobs Using Insurance Kinds of Insurance Time Premi account : : : : : : : : : : 06/10/1959 Padang Panjang Graduated STM Civil Servants Yes Prudential (Life Insurance) 10 years Rp. 500.000,SASTRAMED
3. EVI NOVERI
Identity :
Name Age Date of Birth Address Last Education Jobs Using Insurance Kinds of Insurance Time Premi account : : : : : : : : : : EVI NOVERI 48 years 03/05/1963 Padang Panjang Bachelor Degree Teacher Yes Prudential (Life Insurance) 10 years Rp.500.000,-
b)
Ensure that you get additional income when you are facing a serious illness or fatal accident. The reality is, no one would have imagined the fatal things, such as an accident or prolonged illness. If that happens, and you're protecting the life insurance, you can get protection against the risk of a variety of unexpected things. In all circumstances you're experiencing, you hold an insurance policy can produce protective benefits so that you get adequate funding during treatment. Death, misfortune, never predictable arrival
4. NELISABET
Identity :
Name Age Date of Birth Address Last Education Jobs Using Insurance Kinds of Insurance Time Premi account
: : : : : : : : : :
NELISABET 35 06/07/1977 Jln. Kemuning no.24 Pintu Kabun Bukittinggi Bachelor Degree Nurse No -
5. SADTIM
Identity :
Name Age Date of Birth Address Last Education Jobs Using Insurance Kinds of Insurance Time Premi account
: : : : : : : : : :
b)
Insurance Fund came out when we are sick And sick time (and health insurance) are not all covered by insurance plus obvious bureaucratic Even if healthy or denied nominal value of the currency, the loss . Better invested into the property only. even further, a few tens of years and taken it by no means due to an increase in the