GREETINGS FROM INSURANCE JONNY JINNY ,
Visit more >>> http://jonnyjinny10.blogspot.com/
Hi blogger , it's a bad day , today is a bad day . A mutation to the other parts of my staff , after 6 years of working with him , the management finally decided to do the mutation to be more effective and efficient . My staff does not work perfectly , but he was quite helpful job.Actually it is difficult to accept that decision , sad , upset , angry , mixed up into one . But it can not be my show , I have to STAY STRONG, although in my heart - cut slices , because it was already a decision . Like it or not , happy not happy , sincere is not sincere , I should accept it gracefully .With this incident , I can only wait , think positive and optimistic , that someday there will be something much better than this . Amen .Back to the topic .......Previously we have discussed about MECHANISM OF REINSURANCE , why no reinsurance has been discussed in previous modules , this time I will discuss the functions of reinsurance .FUNCTIONS OF REINSURANCE- Increasing the capacity of acceptances ,
- Risk deployment tools ,
- Improving business stability ,
- Meningkatkankepercayaan
Increasing the capacity of acceptances ,With reinsurance , the insurer will be able to increase revenue insurance acceptances so that it can increase the amount of insurance coverage is beyond the capabilities .
Risk deployment tools ,The spread of insurance in principle does not require concentrated on a particular type of risk or insurance . With the concentration of reinsurance losses can be minimized .
Improving business stability ,In the event of a claim which far exceeds the estimated amount will obviously greatly affect its stability and the possibility of causing a loss of business .
Increasing confidenceIn principle reinsurance add credence to the insured because of the possible risks that will be experienced received assurances from reinsurers .
That the functions of reinsurance , to Visit more >>> http://jonnyjinny10.blogspot.com/ for the next discussion .
GREETINGS FROM INSURANCE JONNY JINNY
- MECHANISM OF REINSURANCE - ANTI SELECTION - BASIC PRINCIPLES OF INSURANCE - MUST BE LIMITED TO LOSS - LOSS RATIO MUST PREDICTABLE
SALAM ASURANSI DARI JONNY JINNY,
Visit more >>> http://jonnyjinny10.blogspot.com/
Hi blogger, it's a bad day, hari ini adalah hari yang buruk. Seorang stafku mutasi ke bagian lain, setelah 6 tahun bekerja bersama dengannya, akhirnya management memutuskan untuk dilakukan mutasi agar lebih efektif dan efisien. Memang pekerjaan stafku tidak sempurna, namun dia cukup membantu pekerjaanku.
Sebenarnya sulit sekali untuk menerima keputusan itu, sedih, kesal, marah, campur aduk menjadi satu. Namun hal tersebut tidak bisa saya tunjukkan, saya harus tetatp tegar, meskipun di hatiku teriris-iris, karena memang itu sudah menjadi keputusan. Suka tidak suka, senang tidak senang, iklas tidak iklas, saya harus menerima dengan lapang dada.
Dengan kejadian ini, saya hanya bisa sabar, berpikir positif dan optimis, bahwa suatu saat nanti akan ada sesuatu hal yang jauh lebih baik dari ini. Amin.
Kembali ke topik.......Sebelumnya kita telah membahas tentang MEKANISME REASURANSI, kenapa ada reasuransi sudah dibahas pada modul terdahulu, kali ini saya akan membahas fungsi reasuransi.FUNGSI REASURANSI - Meningkatkan kapasitas akseptasi,
- Alat penyebaran risiko,
- Meningkatkan stabilitas usaha,
- Meningkatkankepercayaan
Meningkatkan kapasitas akseptasi, Dengan melakukan reasuransi, penanggung akan dapat meningkatkan akseptasi sehingga pemasukan asuransi tersebut dapat memperbesar jumlah nilai pertanggungan melampaui batas kemampuan.
Alat penyebaran risiko, Penyebaran asuransi pada prinsipnya tidak menghendaki terkonsentrasi pada suatu jenis risiko atau asuransi. Dengan reasuransi konsentrasi kerugian tersebut dapat diminimalkan.
Meningkatkan stabilitas usaha,Apabila terjadi klaim yang jumlahnya jauh melebihi yang diperkirakan jelas akan sangat mempengaruhi stabilitas usaha dan kemungkinan menyebabkan kerugian usaha.
Meningkatkan kepercayaan Pada prinsipnya reasuransi menambah kepercayaan bagi tertanggung karena kemungkinan risiko yang akan dialami mendapat jaminan dari perusahaan reasuransi.
Itulah fungsi-fungsi dari reasuransi, sampai Visit more >>> http://jonnyjinny10.blogspot.com/ untuk pembahasan berikutnya.
SALAM ASURANSI DARI JONNY JINNY
- MEKANISME REASURANSI- ANTI SELEKSI- PRINSIP DASAR ASURANSI- KERUGIAN HARUS DIBATASI- RASIO KERUGIAN HARUS TERPREDIKSI
Greetings Insurance from Jonny JinnyHi blogger , met again with jonny Jinny today . The weather was very overcast day soon may be raining, but that does not mean we stop to fill up this blog .On this occasion , we will discuss about Reinsurance . Reinsurance what the heck it was , what it was , this time we will describe in detail reinsurance , which is an integral part of the insurance .Reinsurance is the insurance mechanism is done in stages over an insurance object . That is the risk of the spread of insurance companies is done through the transfer of risk to reinsurers .Terms Reinsurance Support- Insurance companies must obtain reinsurance for any auto insurance at any branch of the insurance market.
- Support automatic reinsurance obtained with the following conditions : for the Insurance Company , obtained from at least one (1) Reinsurance Company and one (1) other Insurance Company in the country ; for Life Insurance Company , obtained from at least one (1) Reinsurance Company in the country .
- Automatic reinsurance from overseas reinsurer for the Insurance Company , can only be done if the company concerned has first obtaining automatic reinsurance in the country .
- Support automatic reinsurance does not apply in the case of no reinsurance companies that provide reinsurance support to the auto insurance products are marketed , either individually or jointly
- Facultative reinsurance support can only be done in terms of automatic reinsurance support is insufficient or the types of risks that are closed are not included in the automatic reinsurance support .
That's it for this discussion , because the rain had stopped , so jonny Jinny had to go home . See you again in the next discussion .GREETINGS INSURANCE FROM JONNY JINNY - MECHANISM REINSURANCE- ANTI- SELECTION- BASIC PRINCIPLES OF INSURANCE- LOSS MUST BE LIMITED- LOSS RATIO MUST PREDICTABLE
Salam Asuransi dari Jonny Jinny
Hai blogger, ketemu lagi dengan jonny jinny hari ini. Cuaca hari ini sangat mendung sebentar lagi mungkin akan turun hujan, namun bukan berarti kita berhenti untuk mengisi blog ini.
Pada kesempatan kali ini, kita akan membahas tentang Reasuransi. Reasuransi itu apa sih, benda apakah itu, kali ini kita akan jabarkan reasuransi secara detail, yang merupakan bagian tidak terpisahkan dari asuransi.
Reasuransi adalah mekanisme pertanggungan yang dilakukan secara bertingkat atas suatu obyek asuransi. Maksudnya penyebaran risiko dari perusahaan asuransi dilakukan melalui transfer risiko ke perusahaan reasuransi.
Ketentuan Dukungan Reasuransi- Perusahaan Asuransi wajib memperoleh dukungan reasuransi otomatis untuk setiap produk asuransi pada setiap cabang asuransi yang dipasarkan.
- Dukungan reasuransi otomatis diperoleh dengan ketentuan sebagai berikut:
- untuk Perusahaan Asuransi Kerugian, sekurang-kurangnya diperoleh dari 1(satu) Perusahaan Reasuransi dan 1 (satu) Perusahaan Asuransi Kerugian lainnya di dalam negeri;
- untuk Perusahaan Asuransi Jiwa, sekurang-kurangnya diperoleh dari 1(satu) Perusahaan Reasuransi di dalam negeri.
- Dukungan reasuransi otomatis dari penanggung ulang di luar negeri bagi Perusahaan Asuransi Kerugian, hanya dapat dilakukan apabila perusahaan dimaksud telah terlebih dahulu memperoleh dukungan reasuransi otomatis di dalam negeri.
- Dukungan reasuransi otomatis tidak berlaku dalam hal tidak ada Perusahaan Reasuransi yang memberikan dukungan reasuransi otomatis terhadap produk asuransi yang dipasarkan tersebut, baik secara sendiri -sendiri maupun bersama-sama.
- Dukungan reasuransi fakultatif hanya dapat dilakukan dalam hal dukungan reasuransi otomatis tidak mencukupi atau jenis risiko yang ditutup tidak termasuk dalam dukungan reasuransi otomatis.
Cukup sekian untuk pembahasan kali ini, karena hujan sudah berhenti, jadi jonny jinny harus pulang. Sampai ketemu lagi di pembahasan berikutnya.SALAM ASURANSI DARI JONNY JINNY- MEKANISME REASURANSI- ANTI SELEKSI- PRINSIP DASAR ASURANSI- KERUGIAN HARUS DIBATASI- RASIO KERUGIAN HARUS TERPREDIKSI
GREETING INSURANCE ,
Welcome to the bloggers on this blog .
This discussion is a continuation of the basic principles of insurance which is part of the basics of insurance . The discussion below will explain insurable interest is the most important part of the insurance claim that it can be done .
Insurance companies must assess each insurance demand in order to ensure that the relevant and potential beneficiaries have insurable interest in the relationship in the event of a potential loss that is , the person will suffer if the insured event occurs .
For example, a property insurance company would not be selling the policy on not the owner of the building , because the person was not going to suffer economic losses suppose that destroyed damaged buildings on fire . In the insurance of goods , ownership is one way of knowing the existence of insurable interest in the goods.
Before discussing how to determine the presence of insurable interest in the life insurance , it pentinga for you to be able to distinguish between an insurance applicant , policyholder , the insured and the beneficiary .
The applicant is requesting the insurance policy . After the application is approved , the insurance company issuing the policy . Once the applicant receives the policy and pay the first premium , the applicant becomes the policyholder .
Insured is a person whose soul is protected by the policy. Often the policyholder and the insured are the same person . If you misalknya pleaded didiri insurance for themselves and the policy issued , then you are at the same insured policyholder .
But if your mother pleads insurance on your life and published policy , your mother is your insured while the policy holder . If INSURED died during the insurance period , the insurance company to pay compensation , or other residual matter of policy it is .
The beneficiary is the person or persons , or other party designated by the policyholder to receive compensation .
We will continue again with the next discussion .
GREETING INSURANCE
NATURE OF INSURANCE
1. Losses must contain uncertainty .
2. Losses should be limited .
3. Loss must be significant ( mean ) .
4. The ratio of the loss must be predictable .
5. Loss is not a disaster for the party .
GREETING INSURANCE ,
Welcome to the bloggers on this blog . The discussion this time is the last discussion of the properties that a potential loss ( loss that may occur ) can be insured in accordance with the basic principles of insurance . This is the fifth trait of the basic principles that disadvantage is not a disaster for insurers or loss is not to say catastrophic.
A single incident can lead to financial disaster for the party , both from the insured object or sourced from outside , seen as a potential loss that can not be insured . Such losses are not feasible insured because insurance companies can not promising the payment of compensation in a responsible manner .
To avoid losses catastrophic and to ensure that losses occur , individually , insurance companies can spread the risk to be guaranteed , ie , by issuing a policy covering a wide area . For example , if property insurance companies issuing policies that protect all houses within a 50 mile radius of an active volcano is not wise , because the volcanic eruption may lead to more claims of the insurer 's ability .
In contrast , property insurance company will also issue policies that protect homes located in areas free of threats volcano . In order to avoid the death of one person causing a fatal loss for the insurer , allowed life insurance companies refuse insurance to the amount of insurance money that is not fair .
Alternatively , the insurance company can hit the fatal probably losses by transferring the risk to another insurance company that in a sense , the other insurance company accepts responsibility to pay for all or part of the claim , in accordance with the portion of premium received .
Shifting the potential loss , in this case , the insurance company ( insurer both ) and it is called reinsurance company receives named reinsurers . Through reinsurance , any opportunities that may result in catastrophic losses by insurance companies can be reduced and even eliminated .
See you again in another discussion that would still be dealing with insurance in the websites of our beloved " CLOSER TO INSURANCE "
GREETING INSURANCE
NATURE OF INSURANCE
1. Losses must contain uncertainty .
2. Losses should be limited .
3. Loss must be significant ( mean ) .
4. The ratio of the loss must be predictable .
5. Loss is not a disaster for the party .
GREETING INSURANCE ,
See you soon in our website " Closer to Insurance " . We will discuss further on our previous website Losses Should Predictive Ratios . In the first part discussed the appraiser values a loss or loss rates in order to provide payment when a loss occurs that is represented through the Loss rate ( loss ratio ) . This time we will continue the discussion about the important concepts in the world of insurance is the law of large numbers ( the law of large numbers ) .
The concept is important in determining the probability of this is the law of large numbers ( the law of large numbers ) . According to the law of large numbers , the more the number of observations were made on an event , the more likely that these observations resulted in estimates of the true probability . For example , if you flip a coin , the coin falls with the possibility of being on the front is 50-50 , and this probability can be estimated .
Two or even 12 tosses , not necessarily produce the same results between the front and rear of the coin . But if you flip the coin 1000 times , you can expect a possible result of the face 500 and the possibility of the back above the 500 also . Melampar The more often your coins , you will be able to observe a clear mekain number is above the face , and the back is above are the same , and you are getting close to determining a true possibility .
Law of large numbers applied to the insurance company as a prediction of future possible losses on the day . The insurance company collects specific information about a group of people , in order to recognize patterns that have suffered losses . Based on this information , the insurance company can predict the amount of loss that will arise on the type of group that is similar to the more accurate .
So the insurance company can predict the amount to be dying , disabled, or sick of that group . Within a few years , insurance companies have noted how much insured that died at each age . Then the insurance companies to compare this data with the data of the national population by noting age died .
Guided by these statistics the insurance company can arrange the tables that show exactly that of a large group of people ( 100,000 or more ) , how many people died in each age . This table is called mortality tables that describe the rate of death , or the possibility of death by age . Insurance companies can also mengembagkan same table , called Table morbidity that describes the level of accident or onset of pain experienced by a group of people , who are categorized by age .
By using tables mortakita and morbidity tables , insurance companies can predict the value of the loss, a decent set premiums and ready to pay the claim . By this means the insurance companies use statistics to set premiums , or better known as "Pricing Life Insurance " ( specify rate Life Insurance Premium ) .
See you again on the last discussion of the nature of insurance that loss is not catastrophic .
GREETING INSURANCE
NATURE OF INSURANCE
1. Losses must contain uncertainty .
2. Losses should be limited .
3. Loss must be significant ( mean ) .
4. The ratio of the loss must be predictable .
5. Loss is not a disaster for the party .
GREETING INSURANCE ,
Welcome to bloggers to join the new look of this website . Currently we have entered the fourth trait that a potential loss ( loss that may occur ) can be insured in accordance with the basic principles of insurance . The fourth concerns the nature of probailitas , opportunities , law of large numbers and the ratio of an event through an experience that never happened . The fourth trait is the ratio of the loss must be predictable .
The insurance company should be able to estimate the value the appraiser a loss , or loss rate , in order to provide payment when a loss occurs . Loss rate ( loss rate ) is the number of losses in a period that would occur in a group of insured in case the insured takes place .
The insurance company should be able to estimate the loss rate to determine the proper amount of premium charged on each policyholder and to ensure adequate amount of funds available in the event of a claim .
Although throughout the years , humans have tried to predict the crystal ball , tarot cards and tea leaves of induced determine his fate in the future , but from the point of view of the individual , the loss which may be suffered was not foreseeable .
Similarly, human and insurance companies , no one can predict the exact time that a person will die , will be deformed , or have to be hospitalized . However , from a large group of stamps can be estimated accurately at all , how many to death , disability or need hospital treatment within a certain period .
Estimates of future losses is based on the concept , that although the events that arise seemingly irregular , but in fact followed a pattern . If the pattern was identified through observation of the past , it is likely that the event will occur , which is called the probability of the event can be determined .
Read more yes bloggers in Need Input Ratio Losses - Part 2
GREETING INSURANCE
NATURE OF INSURANCE
1. Losses must contain uncertainty .
2. Losses should be limited .
3. Loss must be significant ( mean ) .
4. The ratio of the loss must be predictable .
5. Loss is not a disaster for the party .
GREETING INSURANCE On the last occasion we have discussed two properties In order for a potential loss ( loss that may occur ) can be insured , on this occasion we will proceed to the third property in order to conform to the basic principles of insurance . The third trait is a disadvantage to be significant ( mean ) .
Losing something cause prolonged disappointment . Often times we forget to put pens , umbrella or sunglasses . In terms of financial loss like this can not be called very mean .
Replacing the pen , not something hard for most people . Such losses are usually not covered by insurance . Administrative costs for the small losses that will create the high cost of such protection , and not economical .
In contrast , some types of losses pose a heavy financial burden for most people . For example , if a worker was injured in an accident that causes the person can not work for a year , the risk of loss of income, including something important . The disadvantage of this kind is feasible insured .
GREETING INSURANCE PREVIOUSLY
NEXT
GREETING INSURANCE ,Hi all bloggers , we met again in our website that explore more about the insurance . This time we are still discussing the nature of the basic principle of insurance that insurance can be insured possible damage . This time we will discuss the nature of the latter , namely the loss should be limited .Losses can be insured must be limited in terms of time and quantity . Insurance companies should be able to determine when and how much benefit payments to be paid . Death , disability and reach old age , is a condition that is commonly known . Therefore , the amount of economic loss arising from a state that is the basic principle of insurance .To set the amount of the payment at maturity , the insurance company uses two forms of agreements :
1. Contract Value ( valued contract)
2. Indemnity contract ( contract of indemnity )The contract value is an agreement whereby the predetermined payment amount . In life insurance , the amount specified in the policy death benefit .Indemnity contract is an agreement santunannya amount based on the amount of actual financial losses , as determined at the time of the loss .This indemnity contract states that the amount of compensation based on the amount of financial loss or the maximum amount of compensation set forth in the policy , whichever is smaller. Because the policyholder can not claim that the number is higher than the value of the actual loss .GREETING INSURANCENATURE OF INSURANCE
1. Losses must contain uncertainty .
2. Losses should be limited .
3. Loss must be significant ( mean ) .
4. The ratio of the loss must be predictable .
5. Loss is not a disaster for the party
INSURANCE GREETING,
To be worthy of potential insured losses, there must be an element of uncertainty. Loss must be caused by an unexpected incident or inadvertently committed by the insured. For example, most people do not know whether they will become disabled or unable to work due to accident or illness.
In this case, the insurance company may offer disability insurance to protect it from economic losses caused by the uncertain events. If life insurance is applying the harm principle states that death is a definite event occurred, but the exact date when the person's death, remains unknown. INSURANCE GREETING
NATURE OF INSURANCE
1. Losses must contain uncertainty.
2. Losses should be limited.
3. Loss must be significant (mean).
4. The ratio of the loss must be predictable.
5. Loss is not a disaster for the party.
GREETING INSURANCE,
Welcome to the bloggers on this blog.
All insurance products are designed in accordance with the principles rests on the concept of economic loss. In order for a potential loss (loss that may occur) may be insured, it must have several properties, namely:
- Losses must contain uncertainty.
- Losses should be limited.
- Loss must be significant (mean).
- The ratio of the loss must be predictable.
- Loss is not a disaster for the party.
The fifth basic principle is the basis of insurance business. Generally, the potential losses that do not bear the characteristics, deemed unfit to be insured, unless the existing deficiencies can be compensated for by other means.
GREETING INSURANCE.NEXT --- ANTI SELECTIONBEFORE
INSURANCE GREETING ,
Welcome to the bloggers on this blog .This time we are still discussing about the continuation of the basic principles of insurance which is part of the basics of insurance . The discussion below will explain the anti-selection which are the things a person does to get insurance with a higher degree of risk .The second factor that must be considered by the person if the person pleads take insurance ( life or health ) is the possibility of anti-selection .Anti- selection , which is also called counter selection or selection against the insurer , refers to the tendency of larger insurers to enter or extend insurance for people with risk than average risk compared to those who are at average or increased risk small .For example, there is a tendency for people , because his life expectancy is shorter than average to buy insurance . It is found in people who are in poor health or have a dangerous job .If it does not take into account the possibility of anti-selection in researching form demand letter , the insurance company may menanngung such people in large numbers . Insurance companies will suffer losses far greater and paying death claims higher than expected when they set premiums .To reduce anti-selection result , the insurance company must investigate every application for insurance in order to identify and classify potential risioko level , or the likely size of the prospective insured losses from the soul .The process of identification and classification level of the prospective insured risk is called underwriting or risk selection , and the executor is responsible to evaluate the level of risk is called underwriters . The candidate with the possible loss of an average or less than average , so-called standard risk , subject to a premium standard .INSURANCE GREETINGBEFOREinsurable interest
