choose car insurence: :
now more and more car insurence product on the market. on that account, careful principle before buys, necessary applied, so that unrepentant later on day. before decide to choose one of so much car insurence product on the market:
1. determine desirable insurence protection kind. protection according to comprehensive (all risk) give protection best, but you necessary calculate the economical side.
2. don't immovable in big the so small premium that. see credibility companies, especially from service aspect, claim handling and the finance ability.
3. many company credible insurence and bonafide, although without support companies re-asuransi. but bothing;there is no the wrong look for to know track record company re-asuransi (when is there).
4. what company that give benefit addition, like claim service 24 clocks, free crane, claim process guarantee 24 clocks, etc?
5. it is better you see partner repair shop network companies that. what does the total, where is the location and how does repair shops quality.
6. comprehend right apasaja right and your duty. what may you do and what not. is there policy in bond exception, does luck lost it for you? ()
source: danamon. co. id
Selasa, 08 Juli 2008
tips choose vehicle insurence: :
tips choose vehicle insurence: :
choose vehicle insurence really not easy. even less at tight rivalry midst these days. most of all company has vehicle insurence product. live customer candidate chooses to which proper taken. for that hereunder we present several criterias so that not wrong choose: 1. customer candidate don't immovable in cheap premium rate. because, in rivalry these days, many company insurence that trading down, offered cheap premium rate. while not yet sure there service guarantee.
2. see insurence package on the market. guarantee vast for example until how many. because, vast this guarantee must be accustommed with willing and customer candidate ability.
3. see also network from company insurence concerned. for example how many has office of branch or how many has partner repair shop, so that so there claim doesn't wait long to repair vehicle or report that vehicle.
4. can be asked in advance ease, facilities or what be can be got when buy policy at company that. for example, is there crane car, successor car or hotline service, mechanic service, ambulance car and other as it. and, not less important ease to do changes with ease in ask.
5. necessary considering also bonafiditas company the insurence. don't until so there claim, partner repair shop even also doesn't has. because, many company insurence claimeds them best. while the finance condition very mortally.
besides above mentioned, still there are some factor should considering in course of choose a company insurence belong in choose product. matter important to remember that is in choose to company private insurence, so that must considering in general three factors.
first, finance strength (security). second, service (service). and third, cost or load. insurence finance strength concerns company's finance ability to fulfill the promise if conditon wants. matter is important known, because by dozens company appear insurence at outside it luxurious. high rise the building for example, vehicle mereksinya good. but when happen claim from customer, company doesn't can to pay.
in evaluate this finance strength there are some measuring rod necessary is payed.
a.
asset and the limite. this can be seen from finance balance report that announced at newspaper. see also, is the investment planted in current or longterm. from limite aspect (ability will liquidate duty) be seed in balance, how does the debt in reasuradur, how does he fulfil duty pay claim, and other as it.
limite indicator among others net equity (capital self) is divided `net premi` (clean premium) minimal 50%. capital self divided `gross premi` (dirty premium) minimal 20%. the solvability level limit, seen from capital self divided minimal clean premium 10% and investment fund is divided minimal technique reservist 100%.
b. underwriting policy. at balance and annual report will be seen that the insurence will still luck, or experience profit growth. this means underwiting policy- good.
c. underwriter-. has energies have a certain quality or not. that known from profile companies that hold underwriter-.
service (service) is mirror how far human resource at company have a certain quality or not. even less, company insurence sell service, so service prima be main key. for example, how far good service speed in publisheds policy even less in help payment or claim.
besides, service exercise actually can be feeled self by customer. what company this insurence really give best service made the customer.
in this connection is necessary also questioned, what company this insurence mereasuransi in reinsure first class the security. this can be seen from the annual report. matter is important payed, because when company not -back-up by reinsure, big possibility companies has speculative in get premium.
cost problem how big cost that taked by company insurence in the operational. if cost bigger membanding entering, so clear company inefficient. if inefficient, so ujung-ujung will experience loss. and, if continual lost, certain indisposed.
in this connection can also be seen the premium price. compare insurance premium price equal to other insurence. which the quality really good.
these days government has determined one of [the] insurence well-being measuring rod (not only) that is pass mekanime rbc (risk base caital). if number rbc- big, this means company evaluated in a condition good. but we may not immovable only with number rbc. because, can also happen to company big that in pursuance of expansion on a large scale is like to open many office of branch, so number rbc- certain little.
on the contrary, there company little insurence but never do expansion, so number rbc- may be far bigger.
so, number rbc can not be made as only size, what company that insurence well or not.
in this case also fitting payed performance companies in two or three the last year. how big profit that got per annum, how big premium bruto they accept per annum, how big capital increasing and asset every year.
and, not less important how does company management behaviour during the time. is company management that is during the time break a promise? pernahkah this company management experiences wanprestasi and other as it.
source:
http://www.asuransi-mobil.com
choose vehicle insurence really not easy. even less at tight rivalry midst these days. most of all company has vehicle insurence product. live customer candidate chooses to which proper taken. for that hereunder we present several criterias so that not wrong choose: 1. customer candidate don't immovable in cheap premium rate. because, in rivalry these days, many company insurence that trading down, offered cheap premium rate. while not yet sure there service guarantee.
2. see insurence package on the market. guarantee vast for example until how many. because, vast this guarantee must be accustommed with willing and customer candidate ability.
3. see also network from company insurence concerned. for example how many has office of branch or how many has partner repair shop, so that so there claim doesn't wait long to repair vehicle or report that vehicle.
4. can be asked in advance ease, facilities or what be can be got when buy policy at company that. for example, is there crane car, successor car or hotline service, mechanic service, ambulance car and other as it. and, not less important ease to do changes with ease in ask.
5. necessary considering also bonafiditas company the insurence. don't until so there claim, partner repair shop even also doesn't has. because, many company insurence claimeds them best. while the finance condition very mortally.
besides above mentioned, still there are some factor should considering in course of choose a company insurence belong in choose product. matter important to remember that is in choose to company private insurence, so that must considering in general three factors.
first, finance strength (security). second, service (service). and third, cost or load. insurence finance strength concerns company's finance ability to fulfill the promise if conditon wants. matter is important known, because by dozens company appear insurence at outside it luxurious. high rise the building for example, vehicle mereksinya good. but when happen claim from customer, company doesn't can to pay.
in evaluate this finance strength there are some measuring rod necessary is payed.
a.
asset and the limite. this can be seen from finance balance report that announced at newspaper. see also, is the investment planted in current or longterm. from limite aspect (ability will liquidate duty) be seed in balance, how does the debt in reasuradur, how does he fulfil duty pay claim, and other as it.
limite indicator among others net equity (capital self) is divided `net premi` (clean premium) minimal 50%. capital self divided `gross premi` (dirty premium) minimal 20%. the solvability level limit, seen from capital self divided minimal clean premium 10% and investment fund is divided minimal technique reservist 100%.
b. underwriting policy. at balance and annual report will be seen that the insurence will still luck, or experience profit growth. this means underwiting policy- good.
c. underwriter-. has energies have a certain quality or not. that known from profile companies that hold underwriter-.
service (service) is mirror how far human resource at company have a certain quality or not. even less, company insurence sell service, so service prima be main key. for example, how far good service speed in publisheds policy even less in help payment or claim.
besides, service exercise actually can be feeled self by customer. what company this insurence really give best service made the customer.
in this connection is necessary also questioned, what company this insurence mereasuransi in reinsure first class the security. this can be seen from the annual report. matter is important payed, because when company not -back-up by reinsure, big possibility companies has speculative in get premium.
cost problem how big cost that taked by company insurence in the operational. if cost bigger membanding entering, so clear company inefficient. if inefficient, so ujung-ujung will experience loss. and, if continual lost, certain indisposed.
in this connection can also be seen the premium price. compare insurance premium price equal to other insurence. which the quality really good.
these days government has determined one of [the] insurence well-being measuring rod (not only) that is pass mekanime rbc (risk base caital). if number rbc- big, this means company evaluated in a condition good. but we may not immovable only with number rbc. because, can also happen to company big that in pursuance of expansion on a large scale is like to open many office of branch, so number rbc- certain little.
on the contrary, there company little insurence but never do expansion, so number rbc- may be far bigger.
so, number rbc can not be made as only size, what company that insurence well or not.
in this case also fitting payed performance companies in two or three the last year. how big profit that got per annum, how big premium bruto they accept per annum, how big capital increasing and asset every year.
and, not less important how does company management behaviour during the time. is company management that is during the time break a promise? pernahkah this company management experiences wanprestasi and other as it.
source:
http://www.asuransi-mobil.com
tips choose to company life insurance
tips choose to company life insurance
in choose to company life insurance, one of them by judging the reputation. reputation can we are value from three things, that is:
service reputation
finance reputation
owner reputation and management
service reputation
manner evaluates service reputation, one of [the] its way with visit self office companies insurence. or minimal you know where the office presents. service value that given when you visit to company that. with will visit self perusahan so you can detect service quality like what you will meet when you must come self later, for example, in administer your amount insured. this can be done when company life insurance profess system bancassurance. example: axamandiri, insurence cigna, and others.
when company life insurance use system agency, choose insurence agency genuinely has atitutude good, can explain product with as well possible for the benefit of customer (not self importance, like on the basis of by get commitee big), has strong emotion at the (time) of explains product that sold. example: prudential, astra cmg, manulife, and others.
finance reputation
evaluate finance reputation by judging financial statement company that can you ask or you see in media prints also at electronic media. value how big capital strength companies compared with company other. also how does the good cash flow from company. in the world of insurence, known term rbc or risk based capital. this a manner to evaluate well-being companies your insurence.
choose to company insurence that has rbc above 120 percents. if you are does that confused rbc confused, enough ask what rbc company your insurence to your insurence agency or click here. if rather slimmer from 120 percents, mean reasonable, but must thinks again. less than that, better look for other. my suggestion, plilih company insurence that has rbc far above 120%.
owner reputation and management
look at also who is majority owner and who is manager from company your insurence. see to what them has disgraceful reputation at society. really, sometimes this matter is may be is seen rather subjective, but there is nothing wrong if you know to who owner and who is manager company your insurence. if they have disgraceful reputation, koid immediately.
tips another, if you choose to company life insurance joint venture, you can see to how reputation from company foreign at various country other. your insurence agency is usually has message collection about how does reputation company foreign at amount of country other.
and if choose to company local life insurance (not joint venture), so choose to company that has reputation “tahan banting”, that is company enough old and ever pass assorted crisis. if company life insurance be part from a big effort group (conglomerate), so try to see also how does performance from big effort group. this is because sometimes, the lossy one of [the] company in big effort group can mutual influence profit and loss from company another found in effort group.
conclusion
from tips simple above can help you decrease risk not membayarnya your claim by the company insurence. importantest, don't then you get the wind up to come along insurence.
source:
http://alifreza.wordpress.com
in choose to company life insurance, one of them by judging the reputation. reputation can we are value from three things, that is:
service reputation
finance reputation
owner reputation and management
service reputation
manner evaluates service reputation, one of [the] its way with visit self office companies insurence. or minimal you know where the office presents. service value that given when you visit to company that. with will visit self perusahan so you can detect service quality like what you will meet when you must come self later, for example, in administer your amount insured. this can be done when company life insurance profess system bancassurance. example: axamandiri, insurence cigna, and others.
when company life insurance use system agency, choose insurence agency genuinely has atitutude good, can explain product with as well possible for the benefit of customer (not self importance, like on the basis of by get commitee big), has strong emotion at the (time) of explains product that sold. example: prudential, astra cmg, manulife, and others.
finance reputation
evaluate finance reputation by judging financial statement company that can you ask or you see in media prints also at electronic media. value how big capital strength companies compared with company other. also how does the good cash flow from company. in the world of insurence, known term rbc or risk based capital. this a manner to evaluate well-being companies your insurence.
choose to company insurence that has rbc above 120 percents. if you are does that confused rbc confused, enough ask what rbc company your insurence to your insurence agency or click here. if rather slimmer from 120 percents, mean reasonable, but must thinks again. less than that, better look for other. my suggestion, plilih company insurence that has rbc far above 120%.
owner reputation and management
look at also who is majority owner and who is manager from company your insurence. see to what them has disgraceful reputation at society. really, sometimes this matter is may be is seen rather subjective, but there is nothing wrong if you know to who owner and who is manager company your insurence. if they have disgraceful reputation, koid immediately.
tips another, if you choose to company life insurance joint venture, you can see to how reputation from company foreign at various country other. your insurence agency is usually has message collection about how does reputation company foreign at amount of country other.
and if choose to company local life insurance (not joint venture), so choose to company that has reputation “tahan banting”, that is company enough old and ever pass assorted crisis. if company life insurance be part from a big effort group (conglomerate), so try to see also how does performance from big effort group. this is because sometimes, the lossy one of [the] company in big effort group can mutual influence profit and loss from company another found in effort group.
conclusion
from tips simple above can help you decrease risk not membayarnya your claim by the company insurence. importantest, don't then you get the wind up to come along insurence.
source:
http://alifreza.wordpress.com
Sabtu, 01 Maret 2008
Produk ANUITAS EKSEKUTIF PRIMA
Produk ANUITAS EKSEKUTIF PRIMA
To provide guarantee continuity of the family’s income in the old age.
Benefit & the Premium
• Monthly payment of the old age pension (PHT),
starts 1 month after the premium is deposited to
the company until participant die.
• Should the participant reaches the age of 65 years
old, all the deposited premium to the company to
be returned.
• Should the husband/the wife of the participant dies,
participant accepts the benefit of 12 x the Widow or
Widower's pension (PJ/D).
• Should the participant dies before reaches the age of 65 years old all the premium to be returned
and added with 12 x PHT, furthermore it is also paid the Widow or Widower's pension, until the
widow/the widower dies or remarry.
• Should the participant dies after the age of 65 years old, it is paid 12 x PHT and payment of the
widow or widower's pension.
• Should the widow/the widower dies, it is paid 12 x PJ/D and pension payment for the orphans.
To provide guarantee continuity of the family’s income in the old age.
Benefit & the Premium
• Monthly payment of the old age pension (PHT),
starts 1 month after the premium is deposited to
the company until participant die.
• Should the participant reaches the age of 65 years
old, all the deposited premium to the company to
be returned.
• Should the husband/the wife of the participant dies,
participant accepts the benefit of 12 x the Widow or
Widower's pension (PJ/D).
• Should the participant dies before reaches the age of 65 years old all the premium to be returned
and added with 12 x PHT, furthermore it is also paid the Widow or Widower's pension, until the
widow/the widower dies or remarry.
• Should the participant dies after the age of 65 years old, it is paid 12 x PHT and payment of the
widow or widower's pension.
• Should the widow/the widower dies, it is paid 12 x PJ/D and pension payment for the orphans.
Produk PERSONAL ACCIDENT PLAN B
Provide benefits in the forms of:
• Should the insured experiences accident during the premium payment and dies instantly or as a
direct effect in the period 90 x 24 hours after the occurrence hour of the accident meant, then to
the insured to be paid additional Guarantee Money totaling 100% IM (Insurance Money).
• Should the insured experiences accident during the premium payment and results in total
permanent disability instantly or as a direct effect in the period 90 x 24 hours after the occurrence
hour of the accident meant, then to the insured has the rights on:
a. Permanent Total Disability, paid for the additional guarantee money 100% of the insurance
money.
b. Permanent Partial Disability, paid for the additional guarantee money to lose 100% upper
function:
c. Should during the insurance period the insured experiences accident and results in partial or
total permanent disability and has accepted the Benefits of Insurance as mentioned in the item
1 and 2 and afterwards dies as resulting from direct the accident in the period 90 x 24 hours
after the occurrence hour of the accident meant in the matter of:
- The amount of Insurance Benefits that is accepted bigger or is the same amount of 100%
Insurance Money then Insurance Benefits are not paid.
- The amount of Insurance Benefits smaller than 100% of Insurance Money then the Insurance
Benefit paid to the insured is 100% of Insurance Money reduced by received Insurance Benefit.
o Should the insured during the insurance period suffers an instant accident or results from direct
effect in the period of 90 x 24 hours after the occurrence hour of the accident is hospitalized.
Company to pay the Insurance Benefits to the insured as the replacement of the medical
treatment cost as stipulated in the valid receipt from the Hospital with the maximum of 40% of
Insurance Money of each accident incident. The insured accident suffered by the insured is
maximum 2 accident-times during the insurance period.
• Should the insured experiences accident during the premium payment and dies instantly or as a
direct effect in the period 90 x 24 hours after the occurrence hour of the accident meant, then to
the insured to be paid additional Guarantee Money totaling 100% IM (Insurance Money).
• Should the insured experiences accident during the premium payment and results in total
permanent disability instantly or as a direct effect in the period 90 x 24 hours after the occurrence
hour of the accident meant, then to the insured has the rights on:
a. Permanent Total Disability, paid for the additional guarantee money 100% of the insurance
money.
b. Permanent Partial Disability, paid for the additional guarantee money to lose 100% upper
function:
c. Should during the insurance period the insured experiences accident and results in partial or
total permanent disability and has accepted the Benefits of Insurance as mentioned in the item
1 and 2 and afterwards dies as resulting from direct the accident in the period 90 x 24 hours
after the occurrence hour of the accident meant in the matter of:
- The amount of Insurance Benefits that is accepted bigger or is the same amount of 100%
Insurance Money then Insurance Benefits are not paid.
- The amount of Insurance Benefits smaller than 100% of Insurance Money then the Insurance
Benefit paid to the insured is 100% of Insurance Money reduced by received Insurance Benefit.
o Should the insured during the insurance period suffers an instant accident or results from direct
effect in the period of 90 x 24 hours after the occurrence hour of the accident is hospitalized.
Company to pay the Insurance Benefits to the insured as the replacement of the medical
treatment cost as stipulated in the valid receipt from the Hospital with the maximum of 40% of
Insurance Money of each accident incident. The insured accident suffered by the insured is
maximum 2 accident-times during the insurance period.
Produk PERSONAL ACCIDENT PLAN A
Produk PERSONAL ACCIDENT PLAN A
Provide benefits in forms of:
• Should the insured experiences accident during the premium payment and dies instantly or as a
direct effect in the period 90 x 24 hours after the occurrence hour of the accident meant, then to
the insured to be paid additional Guarantee Money totaling 100% IM (Insurance Money).
• Should the insured experiences accident during the premium payment and results in total
permanent disability instantly or as a direct effect in the period 90 x 24 hours after the occurrence
hour of the accident meant, then to the insured has the rights on:
a. Permanent Total Disability, paid for the additional guarantee money 100% of the insurance
money.
b. Permanent Partial Disability, paid for the additional guarantee money to lose 100% upper
function:
c. Should during the insurance period the insured experiences accident and results in partial or
total permanent disability and has accepted the Benefits of Insurance as mentioned in the item
1 and 2 and afterwards dies as resulting from direct the accident in the period 90 x 24 hours
after the occurrence hour of the accident meant in the matter of:
- The amount of Insurance Benefits that is accepted bigger or is the same amount of 100%
Insurance Money then Insurance Benefits are not paid.
- The amount of Insurance Benefits smaller than 100% of Insurance Money then the Insurance
Benefit paid to the insured is 100% of Insurance Money reduced by received Insurance
Benefit.
Provide benefits in forms of:
• Should the insured experiences accident during the premium payment and dies instantly or as a
direct effect in the period 90 x 24 hours after the occurrence hour of the accident meant, then to
the insured to be paid additional Guarantee Money totaling 100% IM (Insurance Money).
• Should the insured experiences accident during the premium payment and results in total
permanent disability instantly or as a direct effect in the period 90 x 24 hours after the occurrence
hour of the accident meant, then to the insured has the rights on:
a. Permanent Total Disability, paid for the additional guarantee money 100% of the insurance
money.
b. Permanent Partial Disability, paid for the additional guarantee money to lose 100% upper
function:
c. Should during the insurance period the insured experiences accident and results in partial or
total permanent disability and has accepted the Benefits of Insurance as mentioned in the item
1 and 2 and afterwards dies as resulting from direct the accident in the period 90 x 24 hours
after the occurrence hour of the accident meant in the matter of:
- The amount of Insurance Benefits that is accepted bigger or is the same amount of 100%
Insurance Money then Insurance Benefits are not paid.
- The amount of Insurance Benefits smaller than 100% of Insurance Money then the Insurance
Benefit paid to the insured is 100% of Insurance Money reduced by received Insurance
Benefit.
Rabu, 20 Februari 2008
The ARTHADANA product
The premium is ordinary, the benefits are extraordinary
The premium is ordinary....
We are convinced you would not be burdened to set
aside a few your daily operational funds to this special
one. Only for Rp.100.000,- monthly, or Rp.250.000,-
quarterly or Rp.500.000,-each semester, or
Rp.1.000.000,- annually.
Or one-time payment:
- Rp. 2,500,000.- or
- Rp. 5,000,000.- or
- Rp. 10,000,000.- or
- Rp. 15,000,000.- or
- Multiplications of 5,000,000.
You get the extraordinary benefits for you and your family
EXTRAORDINARY BENEFITS...........
• The cash value could be diluted at any time after 1 year since the beginning of insurance period or
when the insured reaches the age of 60 years old.
• Guarantee for the continuation of the family's finance in the amount of:
- 100% of the amount Insurance Money/ Insurance Money plus the cash value, should the insured
dies not due to accident.
- 200% of the amount Insurance Money/ Insurance Money plus the cash value, should the insured
dies due to accident.
• Guarantee for the total permanent disability due to accident in the amount of 100% total insurance
money/ insurance money plus the cash value.
source:
http://www.jiwasraya.co.id
The premium is ordinary....
We are convinced you would not be burdened to set
aside a few your daily operational funds to this special
one. Only for Rp.100.000,- monthly, or Rp.250.000,-
quarterly or Rp.500.000,-each semester, or
Rp.1.000.000,- annually.
Or one-time payment:
- Rp. 2,500,000.- or
- Rp. 5,000,000.- or
- Rp. 10,000,000.- or
- Rp. 15,000,000.- or
- Multiplications of 5,000,000.
You get the extraordinary benefits for you and your family
EXTRAORDINARY BENEFITS...........
• The cash value could be diluted at any time after 1 year since the beginning of insurance period or
when the insured reaches the age of 60 years old.
• Guarantee for the continuation of the family's finance in the amount of:
- 100% of the amount Insurance Money/ Insurance Money plus the cash value, should the insured
dies not due to accident.
- 200% of the amount Insurance Money/ Insurance Money plus the cash value, should the insured
dies due to accident.
• Guarantee for the total permanent disability due to accident in the amount of 100% total insurance
money/ insurance money plus the cash value.
source:
http://www.jiwasraya.co.id
The SIHARTA product
Insurance of Old Age Welfare
SIHARTA benefits:
• The whole value of expiration, should the
insured stops from joining after the policy
is valid for 12 months.
• 100% Insurance Money plus the value of
expiration, should the insured dies not
because of accident.
• 200% Insurance Money plus the value of
expiration, should the insured dies because
of accident.
• 100% Insurance Money, should the insured suffers total permanent disability (all parts) or lose the
upper functions of:
- Two hands or
- Two feet, or
- Two eyes, or
- One hand and one foot, or
- One hand and one eye, or
- One foot and one eye.
As resulting from from an accident,
insurance money stays proceeding, should the premium continues to be paid.
Value of expiration:
• An amount to be received by the beneficiary or the policy holder should the insured dies during the
insurance period.
• An amount to be received by the policy holder should the policy holder stops from joining the
insurance program due to any reasons.
PREMIUM
Premium payment could be only paid annually in the amount of Rp.300.000.- or the multiplications.
source:
http://www.jiwasraya.co.id
SIHARTA benefits:
• The whole value of expiration, should the
insured stops from joining after the policy
is valid for 12 months.
• 100% Insurance Money plus the value of
expiration, should the insured dies not
because of accident.
• 200% Insurance Money plus the value of
expiration, should the insured dies because
of accident.
• 100% Insurance Money, should the insured suffers total permanent disability (all parts) or lose the
upper functions of:
- Two hands or
- Two feet, or
- Two eyes, or
- One hand and one foot, or
- One hand and one eye, or
- One foot and one eye.
As resulting from from an accident,
insurance money stays proceeding, should the premium continues to be paid.
Value of expiration:
• An amount to be received by the beneficiary or the policy holder should the insured dies during the
insurance period.
• An amount to be received by the policy holder should the policy holder stops from joining the
insurance program due to any reasons.
PREMIUM
Premium payment could be only paid annually in the amount of Rp.300.000.- or the multiplications.
source:
http://www.jiwasraya.co.id
The product of Dana MULTI PROTEKSI PLUS
To protect, pacify and set a safe feeling to you and your family” (it is marketed in the currency of Rupiah and Dollar)”.
PROVIDE THE BENEFITS IN THE FORMS OF:
1. The expiration benefit
Guarantee on one-time payment in the amount of
300% Insurance Money to the Policy Holder, should the
insured is still alive at the end of insurance period, or
2. The benefit of death incentives
• Should the insured dies during insurance period then
to the beneficiary it is paid altogether 100% Insurance
Money, and death incentives in the mount of 200%
Insurance Money (Total 300% Insurance Money). And
Family Income Benefit (FIB), where monthly 1%
(one percent) Insurance Money.
• Monthly in the amount of 1% (one percent) from the Insurance Money, starting from the
following month since the insured dies, until the end of insurance period.
PREMIUM PAYMENT:
The period of premium payment could be shorter than the insurance period, that is:
1. 5 years for the insurance period of 5 years or more.
2. 5 years or 10 years for the insurance period of 10 years or more.
3. Every year/quarterly/monthly during the insurance period.
PROVIDE THE BENEFITS IN THE FORMS OF:
1. The expiration benefit
Guarantee on one-time payment in the amount of
300% Insurance Money to the Policy Holder, should the
insured is still alive at the end of insurance period, or
2. The benefit of death incentives
• Should the insured dies during insurance period then
to the beneficiary it is paid altogether 100% Insurance
Money, and death incentives in the mount of 200%
Insurance Money (Total 300% Insurance Money). And
Family Income Benefit (FIB), where monthly 1%
(one percent) Insurance Money.
• Monthly in the amount of 1% (one percent) from the Insurance Money, starting from the
following month since the insured dies, until the end of insurance period.
PREMIUM PAYMENT:
The period of premium payment could be shorter than the insurance period, that is:
1. 5 years for the insurance period of 5 years or more.
2. 5 years or 10 years for the insurance period of 10 years or more.
3. Every year/quarterly/monthly during the insurance period.
Senin, 18 Februari 2008
The Transport insurance
The Transport insurance
In accordance with his name, this insurance kind gave the compensation guarantee on the risk of the loss that happened for the transport activity of the thing from: the "place" of the "origin" arrived at the "destination".
The move of this thing could consist of: - the Move of the thing from one place to the other place in a same city.
- the Move of the intercity thing, inter-island or international.
The Implement kind Carry: - the Implement carried Air (Cargo Water).
- the Implement carried Water/Sea (Marine Cargo).
- the Implement carried the Land (Land Transite).
The implement carried that will be used very influential high/the low level of the risk and directly will influence big/the small size of the Premi Ethnic Group.
In the Pengangkutan Insurance kind was gotten by several sorts of the guarantee kind in part: A Pengangkutan of Water/Laut
- Export/Import
- ICC A"
"- ICC B"
- ICC C"
B Pengangkutab Udara
- Export/Import
- Cargo All Risks"
Water - Local Transport
- Land and Cargo Cover A"
Water - Land and Cargo Cover B"
Water - the Darat
Transport - Landtransit Cover A"
- Landtransit Cover B"
"
The Transport insurance of Water/Sea:
ICC C"
Jaminan "that was given was: when the loss that happened during in the trip result in by: - Fire or peledakan
- ran aground, sank, was inside out him the implement angkut
- was inside out, slipped the implement carried darat
- the Collision between the implement carried (the ship) with objects apart from air
- Dikorbankannya the thing for the interests/keselamatan
- GA
"
ICC B"
Jaminan "that was given was to be the same as ICC C was" increased" resulting from: - the eruption Earthquake of the mountain api
- Petir
- was thrown from kapal
- Damage because of Air
- Take Apart there ised enough room barang
ICC A"
Jaminan "that was given was the scope that was expanded that is towards all the risks" of the "transport except that was exempted like: the characteristics" of the "thing personally, the weathering, deliberateness."
Cover A"
Jaminan "that was given was: 1 Fire."
2 floods.
3 Roll or slipped him the implement carried.
4 Tabrakannya the implement carried or the thing that was transported by the other object.
5 Tenggelamnya Ferry when being carried out crossing.
Cover B"
Jaminan "that was given was: - Manjamin all the risks for the transport" of the "land took place."
Information that was needed by Dalam Penutupan
- Route the transport.
- the Date of the commencement of the transport.
- the implement Kind carried (the implement carried air, or the land) - the Identification of the implement carried: - When being transported by the ship, air then must be known: the Name of the ship/the Name of the airline, GRT, of DWT (Kapal Tonnage), the Kapal Laut Kind.
- When being transported by the truck or the train, then must be known: the number of police, the Name of the train.
- the thing Kind that diangkut
- thought the thing every time pengangkutan
- the Owner barang
- Pengemasan
- was transhipment
- Especially for the transport of sea and air must be equipped: B/L or Bill of Leading (the ship), Airways Bill (the airship), Packing List, Invoice
The data that was needed in Proses of the Claim: - the Letter of the claim submission.
- the Estimation of the claim that was lodged.
- the Certificate of thing damage (Damage Report) from Shipping Agent or Nahkoda Kapal/Captain Kapal or the Pelayaran Company.
- the Certificate lost/the lack of the thing (Delivery Shortage Report) from Shipping Agent/Perusahaan Pelayaran.
- B/L (Bill of Loading or Airways Bill), (Original) - Packing List, Invoice, (Original) - the Certificate from the
In accordance with his name, this insurance kind gave the compensation guarantee on the risk of the loss that happened for the transport activity of the thing from: the "place" of the "origin" arrived at the "destination".
The move of this thing could consist of: - the Move of the thing from one place to the other place in a same city.
- the Move of the intercity thing, inter-island or international.
The Implement kind Carry: - the Implement carried Air (Cargo Water).
- the Implement carried Water/Sea (Marine Cargo).
- the Implement carried the Land (Land Transite).
The implement carried that will be used very influential high/the low level of the risk and directly will influence big/the small size of the Premi Ethnic Group.
In the Pengangkutan Insurance kind was gotten by several sorts of the guarantee kind in part: A Pengangkutan of Water/Laut
- Export/Import
- ICC A"
"- ICC B"
- ICC C"
B Pengangkutab Udara
- Export/Import
- Cargo All Risks"
Water - Local Transport
- Land and Cargo Cover A"
Water - Land and Cargo Cover B"
Water - the Darat
Transport - Landtransit Cover A"
- Landtransit Cover B"
"
The Transport insurance of Water/Sea:
ICC C"
Jaminan "that was given was: when the loss that happened during in the trip result in by: - Fire or peledakan
- ran aground, sank, was inside out him the implement angkut
- was inside out, slipped the implement carried darat
- the Collision between the implement carried (the ship) with objects apart from air
- Dikorbankannya the thing for the interests/keselamatan
- GA
"
ICC B"
Jaminan "that was given was to be the same as ICC C was" increased" resulting from: - the eruption Earthquake of the mountain api
- Petir
- was thrown from kapal
- Damage because of Air
- Take Apart there ised enough room barang
ICC A"
Jaminan "that was given was the scope that was expanded that is towards all the risks" of the "transport except that was exempted like: the characteristics" of the "thing personally, the weathering, deliberateness."
Cover A"
Jaminan "that was given was: 1 Fire."
2 floods.
3 Roll or slipped him the implement carried.
4 Tabrakannya the implement carried or the thing that was transported by the other object.
5 Tenggelamnya Ferry when being carried out crossing.
Cover B"
Jaminan "that was given was: - Manjamin all the risks for the transport" of the "land took place."
Information that was needed by Dalam Penutupan
- Route the transport.
- the Date of the commencement of the transport.
- the implement Kind carried (the implement carried air, or the land) - the Identification of the implement carried: - When being transported by the ship, air then must be known: the Name of the ship/the Name of the airline, GRT, of DWT (Kapal Tonnage), the Kapal Laut Kind.
- When being transported by the truck or the train, then must be known: the number of police, the Name of the train.
- the thing Kind that diangkut
- thought the thing every time pengangkutan
- the Owner barang
- Pengemasan
- was transhipment
- Especially for the transport of sea and air must be equipped: B/L or Bill of Leading (the ship), Airways Bill (the airship), Packing List, Invoice
The data that was needed in Proses of the Claim: - the Letter of the claim submission.
- the Estimation of the claim that was lodged.
- the Certificate of thing damage (Damage Report) from Shipping Agent or Nahkoda Kapal/Captain Kapal or the Pelayaran Company.
- the Certificate lost/the lack of the thing (Delivery Shortage Report) from Shipping Agent/Perusahaan Pelayaran.
- B/L (Bill of Loading or Airways Bill), (Original) - Packing List, Invoice, (Original) - the Certificate from the
The Accident insurance himself
The Accident insurance himself
The Kecelakaan Diri insurance gave the guarantee/the benefit was for someone who experienced the "financial" loss that was suffered borne was resulted in by an accident that was experienced by him.
The Pertanggungan
Hampir
object anyone with various professions/the work with the age between 5 to 60 tahun
the Object tertanggung
that to was borne in the Kecelakaan Diri Insurance was:
- Perorangan
- the Group/Kelompok
Manfaat
Jaminan that was given was the Badan Wound or died resulting from the accident with details as follows:
- the Death 100% (NP) - the Tetap
Defect - lost one hand/foot 50% (NP) - lost two hands/foot 50% (NP) - lost one eye 40% (NP) - lost two eyes 100% (NP) - lost one ear 20% (NP) - lost two ears 50% (NP) - lost the thumb 25% (NP) - lost the index finger 15% (NP) - lost the middle finger 15% (NP) - lost the ring finger 5% (NP) - the total Powerlessness 100% (NP) - medical treatment Compensation 10% (NP) - the burial Cost
(NP) was the Pertanggungan
Value
The risk that Dikecualikan
- the War.
- the Influence drank-alcohol or the medicine was banned.
- Aids, the epilepsy and kehamilan
- As penerbang
- efforts killed diri
- Sport berbahaya
Thought pertanggungan
Think pertanggungan in the Diri Accident insurance was appointed by the maximum 50 Perbulan Production times and Minimal Rp.
5 Million.
The Penutupan
Mengajukan Permohonan Penutupan
procedure with the data that was needed like: - the Age - Pekerjaan
The Klaim
procedure - gave Laporan through the telephone 1x 24 hours, was attached with the report was written as well as equipped the supporting document.
- the Record of the accident.
- the Kepollisian Certificate (when being needed) - the Receipt of Medical
Treatment
The Kecelakaan Diri insurance gave the guarantee/the benefit was for someone who experienced the "financial" loss that was suffered borne was resulted in by an accident that was experienced by him.
The Pertanggungan
Hampir
object anyone with various professions/the work with the age between 5 to 60 tahun
the Object tertanggung
that to was borne in the Kecelakaan Diri Insurance was:
- Perorangan
- the Group/Kelompok
Manfaat
Jaminan that was given was the Badan Wound or died resulting from the accident with details as follows:
- the Death 100% (NP) - the Tetap
Defect - lost one hand/foot 50% (NP) - lost two hands/foot 50% (NP) - lost one eye 40% (NP) - lost two eyes 100% (NP) - lost one ear 20% (NP) - lost two ears 50% (NP) - lost the thumb 25% (NP) - lost the index finger 15% (NP) - lost the middle finger 15% (NP) - lost the ring finger 5% (NP) - the total Powerlessness 100% (NP) - medical treatment Compensation 10% (NP) - the burial Cost
(NP) was the Pertanggungan
Value
The risk that Dikecualikan
- the War.
- the Influence drank-alcohol or the medicine was banned.
- Aids, the epilepsy and kehamilan
- As penerbang
- efforts killed diri
- Sport berbahaya
Thought pertanggungan
Think pertanggungan in the Diri Accident insurance was appointed by the maximum 50 Perbulan Production times and Minimal Rp.
5 Million.
The Penutupan
Mengajukan Permohonan Penutupan
procedure with the data that was needed like: - the Age - Pekerjaan
The Klaim
procedure - gave Laporan through the telephone 1x 24 hours, was attached with the report was written as well as equipped the supporting document.
- the Record of the accident.
- the Kepollisian Certificate (when being needed) - the Receipt of Medical
Treatment
insurance Kebakaran
The Memberikan fire insurance pertanggungan to property took the form of the building/the house building, the office, the hotel, the factory, the shop, et cetera, along with his contents (furnishings, equipment, furniture, machines, raw material supplies as well as the finished product et cetera) towards the possibility of the loss that was caused by the risk of fire, the fall of the aircraft, the stroke of lightning, the explosion and the smoke.
The kind of the loss insurance that gave the guarantee/compensation against the building or his contents resulting from fire.
Risks that were guaranteed in the policy of the Fire Insurance consisted of 2 (two) most that is: A Jaminan Standar of the Fire Insurance.
B Jaminan Tambahan or Perluasan
A. Jaminan Standard
1 Fire: Fire that was caused by fire personally, resulting from careless the attendant's mistake personally, the neighbour, the robber, or because other.
2 lightnings: Damage and/or the loss against property that was accounted for as a result of being snatched lightning.
3 explosions: All explosion sorts excepting the explosion that was caused or caused by the power nuklir
4 falls of the Aircraft: Damage and/or the loss on property that dipertanggungkan resulting from the Fall of the Aircraft atu objects that fell from the Aircraft.
5 smokes: the Smoke that came from property fire and/or the interests that dipertanggungkan.
B. Jaminan Tambahan or Perluasan
Dengan in addition of the Premium, then the guarantee of Standard Asuransi Kebakaran Indonesia could be widened wit
The Terhadap Kerusakan Akibat guarantee: 1 Disturbance and the Strike, Kerusakan resulting from the Jahat Action, Tertabrak Kendaraan.
2 storms, Badai, Banjir, and Akibat Air Damage.
3 Longsor
lands 4 Puing
Cleaning fees
The Pertanggungan object: the Pertanggungan object for this Fire Insurance kind was all the Building kinds with all the use sorts (the occupation), and/atai his contents (apart from the price of the land).
Borne: that could become was borne in the policy of the Fire Insurance was: Anyone the owner of the Building and/or his contents.
The bank or the Keuangan Agency other yagn gave the fund for the purchase and the building was meant to be made his collateral.
The data or Information that was needed by Dalam Penutupan of the Fire Insurance: - the Function or the use of the building (the process of the available production in this building).
- the Location or the location of the building.
- thought Bangunan, the contents (the contents of this building could take the form of the machine, stock of the thing, et cetera).
- the Estimate of the building and the area of the land of the area where the building stood.
- the Condition for the environment around the location of the building (left, right, with and behind from the building stood).
- the formation Component from the building (like the roof, the wall, the floor, the pole, the ladder, the framework et cetera) also was needed to be known.
- other Information that was linked with ownership from occupants of this building (whether the owner or the leasee, et cetera).
The Klaim procedure: - gave the report through the telephone 1x 24 hours, was attached with the report was written as well as equipped the document pendukung
- the submission Letter klaim
- the Estimation of the claim that diajukan
- When being needed by the Insurance Company will appoint "Lost Adjusters" to carry out the research and the calc
The kind of the loss insurance that gave the guarantee/compensation against the building or his contents resulting from fire.
Risks that were guaranteed in the policy of the Fire Insurance consisted of 2 (two) most that is: A Jaminan Standar of the Fire Insurance.
B Jaminan Tambahan or Perluasan
A. Jaminan Standard
1 Fire: Fire that was caused by fire personally, resulting from careless the attendant's mistake personally, the neighbour, the robber, or because other.
2 lightnings: Damage and/or the loss against property that was accounted for as a result of being snatched lightning.
3 explosions: All explosion sorts excepting the explosion that was caused or caused by the power nuklir
4 falls of the Aircraft: Damage and/or the loss on property that dipertanggungkan resulting from the Fall of the Aircraft atu objects that fell from the Aircraft.
5 smokes: the Smoke that came from property fire and/or the interests that dipertanggungkan.
B. Jaminan Tambahan or Perluasan
Dengan in addition of the Premium, then the guarantee of Standard Asuransi Kebakaran Indonesia could be widened wit
The Terhadap Kerusakan Akibat guarantee: 1 Disturbance and the Strike, Kerusakan resulting from the Jahat Action, Tertabrak Kendaraan.
2 storms, Badai, Banjir, and Akibat Air Damage.
3 Longsor
lands 4 Puing
Cleaning fees
The Pertanggungan object: the Pertanggungan object for this Fire Insurance kind was all the Building kinds with all the use sorts (the occupation), and/atai his contents (apart from the price of the land).
Borne: that could become was borne in the policy of the Fire Insurance was: Anyone the owner of the Building and/or his contents.
The bank or the Keuangan Agency other yagn gave the fund for the purchase and the building was meant to be made his collateral.
The data or Information that was needed by Dalam Penutupan of the Fire Insurance: - the Function or the use of the building (the process of the available production in this building).
- the Location or the location of the building.
- thought Bangunan, the contents (the contents of this building could take the form of the machine, stock of the thing, et cetera).
- the Estimate of the building and the area of the land of the area where the building stood.
- the Condition for the environment around the location of the building (left, right, with and behind from the building stood).
- the formation Component from the building (like the roof, the wall, the floor, the pole, the ladder, the framework et cetera) also was needed to be known.
- other Information that was linked with ownership from occupants of this building (whether the owner or the leasee, et cetera).
The Klaim procedure: - gave the report through the telephone 1x 24 hours, was attached with the report was written as well as equipped the document pendukung
- the submission Letter klaim
- the Estimation of the claim that diajukan
- When being needed by the Insurance Company will appoint "Lost Adjusters" to carry out the research and the calc
The Engineering insurance
The Engineering insurance
Gave the guarantee towards the loss during the development activity, both the development/the work of civil engineering and the Mesin Fitting, Mesin Industri and the Peralatan Elektronik Installation.
The Pertanggungan object: - All development activities, both the development/the work of Civil Engineering and the Mesin Fitting.
- industrial machines.
- the Installation of Electronics Equipment.
The Asuransi kind: - the Konstruksi Insurance (Construction All Risks) - the Pemasangan Mesin Insurance (Erection All Risks) - the Insurance for Industri machines (Machinery Breakdown) - the Peralatan Electronic Insurance (Electronic Equipment Insurance).
1 Konstruksi Insurance (Construction All Risk) the Pertanggungan object: the Pertanggungan Asuransi Konstruksi object (Construction All Risk) this covered in part: All Development activities for various needs, like: - the Office, Inserted Breaker Pertokoan, Pabrik, Jalan Raya, Dam and Irigasi
- the Seaport and Udara
Borne: that could become was borne was all the side that was related in the implementation of the development, in part: the Owner of the project, Dana's Sling (the Bank or the Keuangan Agency other), the Contractor, Sub Kontraktor, et cetera who was related.
The risk - the risk that was guaranteed by Dalam Polis of the Construction (C.A.R.) Because this insurance kind was often mentioned: "Construction All Risks", then this "ALL RISK" term depicted the width of the Policy guarantee of the Konstruksi Insurance (C.A.R.) could be untangled in part as follows: - the Risk of the Natural Disaster (Act of God), Fire, Tanggung Jawab - - the Law to the Side to-III, Peledakan, Tertabrak or collided - the vehicle or the aircraft, and so on - the Theft including the theft with kekerasan
This policy could be widened by Dengan: - the Pembersihan Cost of ruins (Removal Debris) - the Risk for the Mainten
The Pertanggungan Asuransi
Sejalan Dengan period old really the development of the project, beginning with the preparations stage up to was operated on by him this project.
Could be detailed as follows:
- Really preparations for the development, Really Konstruksi/Instalasi, Masa Testing, Masa Commissioning, Masa Perawatan or Maintenance
- And up to was handed over by him this project from the contractor to the Owner.
The data or Information that Diperlukan
Data or Information (at least) that must be equipped by the candidate was borne in part as follows: - the Nilai Proyek Size, the location of the project, the kind proyek
- the Contractor Utama
- Project Plan, Schedule Pekerjaan
- Methode that was applied in the development proyek
Rate or the Premi
Suku Premi
Ethnic Group in the closing of this project often was affected by several factors, in part: - the Length of development time of the project.
- the Proyek Kind (the Sipil Basah Work or Civil Kering).
- the Experience from the Contractor's company/the construction that handled the development of the project.
- the Condition for the environment where the project was (including the condition for nature in the weather conditions).
2 insurances of the Fitting of the Machine Installation (Erection All Risks).
That was meant with the kind of the insurance of the installation fitting (Erection All Risks) was the Kerugian Insurance kind that gave compensation on the risk that happened for the period of the machine fitting.
The area of the guarantee or the Risk that it was guaranteed as well as everything that was linked with this installation insurance was to be the same as the Konstruksi Insurance kind (as that was explained in the previous part).
3 Mesin Industri insurances (Machinery Breakdown) Manfaat
Memberikan compensation on the issuing of the cost that was not expected for the improvement or the replacement of the machine that experienced damage that was resulted in directly by: 1.
The pressure or the vibration that apart from the normal limit, 2.
Short circuit relations (Short Circuit) 3.
Instalasi damage, the electric current panel to the machine, 4.
The lack/the mistake in lubrication (lubrication), and/or, 5.
Not the functioning of the observer's equipment in mesin
The Pertanggungan
Yang
object became the object pertanggungan under the policy of this Machinery Breakdown Insurance was: All Peralatan Listrik (Electrical Equipment) :
Yaitu the machine or the implement/equipment that used electricity as the source of his motivator, in part: - the A
The risk that Not Dijamin
Beberapa
the risk that was not guaranteed: - the Risk of the standard of the policy of fire (fire, the explosion, lightning and the fall of the aircraft or objects than him) ,
- Damage that happened in the period of the testing of the machine was meant, - the Burden of the too high machine (over load) that was carried out intentionally, the Weathering (wear and tear), the Theft, - Inherent Characteristic (the weakness or the characteristics of the special weakness available and could not be improved to the machine that was meant).
- the Mistake drafted got up (faulty design) the machine so as to result in this machine had inherent characteristic, and Robohnya the building (collapse the building)
The data or Information that Dibutuhkan
Data or information was meant among them: - the machine Kind, the machine Capacity, the Occupation of the machine (why or the manufacturer's machine what, et cetera) - Schedule the use or the machine operation (whether 24 hours or every time how many hours) ,
- the production Year of the machine (just or second-hand or already how many years were operated on) ,
- the damage Experience (from the data record the machine this could be known).
- the technical Data from the machine, - Lubrication schedule (the schedule service the routine) - Et Cetera that was related to the identity of the machine.
When the accident that resulted in the loss, happening the main matter that must be done was immediately to be done by you were efforts meinimising loss and contacted PT. Asuransi Bintang to penangnan the further claim.
The documentation and preparations that were needed for the completeness of the claim document were: - the Record that explained the existence of the accident dimakasud
- the Analysis krologis the occurrence of the accident, dilengkapai with the part and equipment that suffered the loss as well as the estimate of early the value of the improvement.
If enabled immediately was equipped by the technical analysis from the contractor.
- the Certificate from police or the authority setempat
- Survey to the location of the incident by us or adjuster that was indicated.
- And the other document that will be needed and communicated after the incident
Gave the guarantee towards the loss during the development activity, both the development/the work of civil engineering and the Mesin Fitting, Mesin Industri and the Peralatan Elektronik Installation.
The Pertanggungan object: - All development activities, both the development/the work of Civil Engineering and the Mesin Fitting.
- industrial machines.
- the Installation of Electronics Equipment.
The Asuransi kind: - the Konstruksi Insurance (Construction All Risks) - the Pemasangan Mesin Insurance (Erection All Risks) - the Insurance for Industri machines (Machinery Breakdown) - the Peralatan Electronic Insurance (Electronic Equipment Insurance).
1 Konstruksi Insurance (Construction All Risk) the Pertanggungan object: the Pertanggungan Asuransi Konstruksi object (Construction All Risk) this covered in part: All Development activities for various needs, like: - the Office, Inserted Breaker Pertokoan, Pabrik, Jalan Raya, Dam and Irigasi
- the Seaport and Udara
Borne: that could become was borne was all the side that was related in the implementation of the development, in part: the Owner of the project, Dana's Sling (the Bank or the Keuangan Agency other), the Contractor, Sub Kontraktor, et cetera who was related.
The risk - the risk that was guaranteed by Dalam Polis of the Construction (C.A.R.) Because this insurance kind was often mentioned: "Construction All Risks", then this "ALL RISK" term depicted the width of the Policy guarantee of the Konstruksi Insurance (C.A.R.) could be untangled in part as follows: - the Risk of the Natural Disaster (Act of God), Fire, Tanggung Jawab - - the Law to the Side to-III, Peledakan, Tertabrak or collided - the vehicle or the aircraft, and so on - the Theft including the theft with kekerasan
This policy could be widened by Dengan: - the Pembersihan Cost of ruins (Removal Debris) - the Risk for the Mainten
The Pertanggungan Asuransi
Sejalan Dengan period old really the development of the project, beginning with the preparations stage up to was operated on by him this project.
Could be detailed as follows:
- Really preparations for the development, Really Konstruksi/Instalasi, Masa Testing, Masa Commissioning, Masa Perawatan or Maintenance
- And up to was handed over by him this project from the contractor to the Owner.
The data or Information that Diperlukan
Data or Information (at least) that must be equipped by the candidate was borne in part as follows: - the Nilai Proyek Size, the location of the project, the kind proyek
- the Contractor Utama
- Project Plan, Schedule Pekerjaan
- Methode that was applied in the development proyek
Rate or the Premi
Suku Premi
Ethnic Group in the closing of this project often was affected by several factors, in part: - the Length of development time of the project.
- the Proyek Kind (the Sipil Basah Work or Civil Kering).
- the Experience from the Contractor's company/the construction that handled the development of the project.
- the Condition for the environment where the project was (including the condition for nature in the weather conditions).
2 insurances of the Fitting of the Machine Installation (Erection All Risks).
That was meant with the kind of the insurance of the installation fitting (Erection All Risks) was the Kerugian Insurance kind that gave compensation on the risk that happened for the period of the machine fitting.
The area of the guarantee or the Risk that it was guaranteed as well as everything that was linked with this installation insurance was to be the same as the Konstruksi Insurance kind (as that was explained in the previous part).
3 Mesin Industri insurances (Machinery Breakdown) Manfaat
Memberikan compensation on the issuing of the cost that was not expected for the improvement or the replacement of the machine that experienced damage that was resulted in directly by: 1.
The pressure or the vibration that apart from the normal limit, 2.
Short circuit relations (Short Circuit) 3.
Instalasi damage, the electric current panel to the machine, 4.
The lack/the mistake in lubrication (lubrication), and/or, 5.
Not the functioning of the observer's equipment in mesin
The Pertanggungan
Yang
object became the object pertanggungan under the policy of this Machinery Breakdown Insurance was: All Peralatan Listrik (Electrical Equipment) :
Yaitu the machine or the implement/equipment that used electricity as the source of his motivator, in part: - the A
The risk that Not Dijamin
Beberapa
the risk that was not guaranteed: - the Risk of the standard of the policy of fire (fire, the explosion, lightning and the fall of the aircraft or objects than him) ,
- Damage that happened in the period of the testing of the machine was meant, - the Burden of the too high machine (over load) that was carried out intentionally, the Weathering (wear and tear), the Theft, - Inherent Characteristic (the weakness or the characteristics of the special weakness available and could not be improved to the machine that was meant).
- the Mistake drafted got up (faulty design) the machine so as to result in this machine had inherent characteristic, and Robohnya the building (collapse the building)
The data or Information that Dibutuhkan
Data or information was meant among them: - the machine Kind, the machine Capacity, the Occupation of the machine (why or the manufacturer's machine what, et cetera) - Schedule the use or the machine operation (whether 24 hours or every time how many hours) ,
- the production Year of the machine (just or second-hand or already how many years were operated on) ,
- the damage Experience (from the data record the machine this could be known).
- the technical Data from the machine, - Lubrication schedule (the schedule service the routine) - Et Cetera that was related to the identity of the machine.
When the accident that resulted in the loss, happening the main matter that must be done was immediately to be done by you were efforts meinimising loss and contacted PT. Asuransi Bintang to penangnan the further claim.
The documentation and preparations that were needed for the completeness of the claim document were: - the Record that explained the existence of the accident dimakasud
- the Analysis krologis the occurrence of the accident, dilengkapai with the part and equipment that suffered the loss as well as the estimate of early the value of the improvement.
If enabled immediately was equipped by the technical analysis from the contractor.
- the Certificate from police or the authority setempat
- Survey to the location of the incident by us or adjuster that was indicated.
- And the other document that will be needed and communicated after the incident
Jumat, 15 Februari 2008
Perisaiy Mobil insurance
Perisaiy Mobil
Tingginya of the level of the appreciation someone against his car could not disamaratakan just like that.
Anyone had the method that was different in handling his vehicle.
The difference would the handling of your vehicle necessarily made you entitled received the different insurance service also.
PT Asuransi Bintang Tbk, that was experienced in the world of the insurance more than four dasa warsa, drafted a new concept for the motor vehicles insurance, Perisay Mobil Individual.
The value of the premium of Perisay Mobil Individual was drafted very flexible followed the character and kekhususan you and the vehicle.
Flexibility that was not experienced by you in the similar insurance other.
Prove personally the service that was most exact for the awareness and personal you with Perisay Mobil Individual.
Perisay Mobil Individual guaranteed fully (Comprehensive/all risk) the loss or damage that struck the vehicle that fell on your vehicle that as a result of by:
.
The collision, was inside out, slipped.
.
The bad action the other person.
.
The theft.
.
Fire.
.
Lightning.
.
Responsibility of the third party's law up to Rp.
100.000.000,00
.
The disturbance and the riot (RSCC).
.
The natural disaster (the earthquake, the eruption of the volcano, the storm, the storm, the flood, the pool of water or the sign of geology and other meteorology).
.
Non standard equipment up to the maximum 10% of the Pertanggungan Price to the Rp maximum.
50.000.000,00
.
The driver's PA & 4 passengers @ Rp 5.000.000,00
.
Derek's cost if the vehicle experienced damage that not the accident (stalled), of Rp 250,000.00 perkejadian
Tingginya of the level of the appreciation someone against his car could not disamaratakan just like that.
Anyone had the method that was different in handling his vehicle.
The difference would the handling of your vehicle necessarily made you entitled received the different insurance service also.
PT Asuransi Bintang Tbk, that was experienced in the world of the insurance more than four dasa warsa, drafted a new concept for the motor vehicles insurance, Perisay Mobil Individual.
The value of the premium of Perisay Mobil Individual was drafted very flexible followed the character and kekhususan you and the vehicle.
Flexibility that was not experienced by you in the similar insurance other.
Prove personally the service that was most exact for the awareness and personal you with Perisay Mobil Individual.
Perisay Mobil Individual guaranteed fully (Comprehensive/all risk) the loss or damage that struck the vehicle that fell on your vehicle that as a result of by:
.
The collision, was inside out, slipped.
.
The bad action the other person.
.
The theft.
.
Fire.
.
Lightning.
.
Responsibility of the third party's law up to Rp.
100.000.000,00
.
The disturbance and the riot (RSCC).
.
The natural disaster (the earthquake, the eruption of the volcano, the storm, the storm, the flood, the pool of water or the sign of geology and other meteorology).
.
Non standard equipment up to the maximum 10% of the Pertanggungan Price to the Rp maximum.
50.000.000,00
.
The driver's PA & 4 passengers @ Rp 5.000.000,00
.
Derek's cost if the vehicle experienced damage that not the accident (stalled), of Rp 250,000.00 perkejadian
Product insurance Bintang
The star eCargo increased
the service by speeding up the publication of the insurance certificate marine cargo from where and at any time!
The star e-Cargo was the publication medium of the insurance certificate marine cargo that was centralised have as a base web.
So as the most central data and could be accessed from where and at any time.
The process of the publication of the insurance certificate became increasingly fast and reduced the process cost of administration that usually is done manually.
BintangeCargo kept all the certificate datas marine cargo that has been published so as you were able easily to look for and see the certain certificate.
Moreover the other profit was: could in access by who with the internet connection, eliminated e-mail communication and fax so as to save time and to unload the cost, increased the accuracy, simplified the available process.
The process was of early carried out like the process of the Marine Open Cover publication other, by agreeing to the term and the Marine Open Cover Policy condition.
Was based on the term and this condition, afterwards we would memasukan this data to the application of the Star eCargo.
We afterwards will give userid and password to you to access the production menu marine the certificate.
Beforehand we will give training the production method of the certificate and monthly declaration
One pc with the adequate speed was enough to access BintangeCargo and published the insurance certificate.
One laptop with the connection wireless could access BintangeCargo if you had not been dikantor you.
Contacted PT. the Star Insurance for the demonstration of the Star eCargo or our email through ecargo@asuransibintang.com to get the document was more complete about the Star eCargo
The clique BintangeCargo the Demonstration to access the demonstration of the Star eCargo.
source:
http://www.asuransibintang.com
the service by speeding up the publication of the insurance certificate marine cargo from where and at any time!
The star e-Cargo was the publication medium of the insurance certificate marine cargo that was centralised have as a base web.
So as the most central data and could be accessed from where and at any time.
The process of the publication of the insurance certificate became increasingly fast and reduced the process cost of administration that usually is done manually.
BintangeCargo kept all the certificate datas marine cargo that has been published so as you were able easily to look for and see the certain certificate.
Moreover the other profit was: could in access by who with the internet connection, eliminated e-mail communication and fax so as to save time and to unload the cost, increased the accuracy, simplified the available process.
The process was of early carried out like the process of the Marine Open Cover publication other, by agreeing to the term and the Marine Open Cover Policy condition.
Was based on the term and this condition, afterwards we would memasukan this data to the application of the Star eCargo.
We afterwards will give userid and password to you to access the production menu marine the certificate.
Beforehand we will give training the production method of the certificate and monthly declaration
One pc with the adequate speed was enough to access BintangeCargo and published the insurance certificate.
One laptop with the connection wireless could access BintangeCargo if you had not been dikantor you.
Contacted PT. the Star Insurance for the demonstration of the Star eCargo or our email through ecargo@asuransibintang.com to get the document was more complete about the Star eCargo
The clique BintangeCargo the Demonstration to access the demonstration of the Star eCargo.
source:
http://www.asuransibintang.com
Profile insurance bintang
Sekilas Bintang PT. Asuransi Bintang Tbk, that was known dikalangan the insurance industry with the "Star" term, was one between very few national insurance companies that succeeded in continuing to grow in the rise and fall of the business world and the Indonesian economy during more than four-decade.
The "star was" established" on March 17 1955 by several leading figures of the national businessman, that most also were the perpetrators of the physical revolution gazed at independence during 1945.
They were Ali Algadri, Idham, Ismet, Wibowo (the deceased), Soedarpo Sasrosatomo, Pang Lay Kim (the deceased), Roestam Moenaf and Johan Radi Koesman (the deceased).
At this time some of the founders of this company were still active gave the policy direction of the company in their capacity as the commissioner.
Since November 3 1989 the share of the "Star" became the Public's company where his share was registered in the Indonesian Stock Exchange.
The "Bintang" capacity to continue to grow while four decades were the blessing ketaatazasan to the foundations of the healthy insurance company, that especially, the principle of the balance (equilibrium) between the application underwriting policy that was conservative, and the development operation of the market dynamically.
PT. Asuransi Bintang Tbk stayed strong in facing various crises.
In the hands of the capable management, the "Star" always was successful in facing the rise and fall of the business world, because always was a step more advanced in order to overcomes all the difficulties that blocked.
Without having the market "captive", PT. Asuransi Bintang Tbk continued to dig up all the potentials for the available market, both private enterprise's market, the individual, commercial, the industry and the government.
Around the quite important customers was recorded was PT Telcom, PT PERUSAHAAN LISTRIK NEGARA (PLN), HUMPUSS GROUP, BIMANTARA GROUP, the Garuda Indonesia, BANK NIAGA, INDOSAT, BULOG, BLUE BIRD, PTP/PNP and many others.
With 11 (eleven) the branch office and 8 (eight) the sale office that was spread all over Indonesia, the structure of the organisation of PT. Asuransi Bintang Tbk enabled his staffs to specialise in the geographical condition certain, so as the requirement for the market that was typical could be served.
The expertise could as well as the wish to develop itself give added value to the insurance product that his characteristics "intangible".
The management of the "Star" believed that the increase in professionalism and welfare
The "star was" established" on March 17 1955 by several leading figures of the national businessman, that most also were the perpetrators of the physical revolution gazed at independence during 1945.
They were Ali Algadri, Idham, Ismet, Wibowo (the deceased), Soedarpo Sasrosatomo, Pang Lay Kim (the deceased), Roestam Moenaf and Johan Radi Koesman (the deceased).
At this time some of the founders of this company were still active gave the policy direction of the company in their capacity as the commissioner.
Since November 3 1989 the share of the "Star" became the Public's company where his share was registered in the Indonesian Stock Exchange.
The "Bintang" capacity to continue to grow while four decades were the blessing ketaatazasan to the foundations of the healthy insurance company, that especially, the principle of the balance (equilibrium) between the application underwriting policy that was conservative, and the development operation of the market dynamically.
PT. Asuransi Bintang Tbk stayed strong in facing various crises.
In the hands of the capable management, the "Star" always was successful in facing the rise and fall of the business world, because always was a step more advanced in order to overcomes all the difficulties that blocked.
Without having the market "captive", PT. Asuransi Bintang Tbk continued to dig up all the potentials for the available market, both private enterprise's market, the individual, commercial, the industry and the government.
Around the quite important customers was recorded was PT Telcom, PT PERUSAHAAN LISTRIK NEGARA (PLN), HUMPUSS GROUP, BIMANTARA GROUP, the Garuda Indonesia, BANK NIAGA, INDOSAT, BULOG, BLUE BIRD, PTP/PNP and many others.
With 11 (eleven) the branch office and 8 (eight) the sale office that was spread all over Indonesia, the structure of the organisation of PT. Asuransi Bintang Tbk enabled his staffs to specialise in the geographical condition certain, so as the requirement for the market that was typical could be served.
The expertise could as well as the wish to develop itself give added value to the insurance product that his characteristics "intangible".
The management of the "Star" believed that the increase in professionalism and welfare
The PRINCIPLE of the ASURANSI FOUNDATION
The PRINCIPLE of the ASURANSI
FOUNDATION
In the world of the insurance had 6 principle sorts of the foundation that must be filled, that is insurable interest, utmost good Faith, proximate cause, indemnity, subrogation and contribution.
Insurable interest
The right to insure, that emerged from a financial relations, between was borne and that was insured and acknowled
Utmost good faith
An action to say accurately and completely, all the material facts (material fact) concerning something that will be insured both was asked for and not.
Meaning that is: the guarantor must honestly explained clearly everything about the width of the condition/the c
Proximate cause
It was an active cause, efficient that caused the chain of the incident that caused some resulting from without the existence of the intervention some that began and actively from the new and independent source.
Indemnity
A mechanism where the guarantor provided financial compensation towards him placed was borne in the position of finance that he had right before the occurrence of the loss (KUHD the article 252, 253 and was clarified in the article 278).
Subrogation
The transfer of the right to demand from being borne to the guarantor after the claim was paid.
Contribution
Whereas being the guarantor's right to ask the other guarantor that together bore, but must not be the same his ob
FOUNDATION
In the world of the insurance had 6 principle sorts of the foundation that must be filled, that is insurable interest, utmost good Faith, proximate cause, indemnity, subrogation and contribution.
Insurable interest
The right to insure, that emerged from a financial relations, between was borne and that was insured and acknowled
Utmost good faith
An action to say accurately and completely, all the material facts (material fact) concerning something that will be insured both was asked for and not.
Meaning that is: the guarantor must honestly explained clearly everything about the width of the condition/the c
Proximate cause
It was an active cause, efficient that caused the chain of the incident that caused some resulting from without the existence of the intervention some that began and actively from the new and independent source.
Indemnity
A mechanism where the guarantor provided financial compensation towards him placed was borne in the position of finance that he had right before the occurrence of the loss (KUHD the article 252, 253 and was clarified in the article 278).
Subrogation
The transfer of the right to demand from being borne to the guarantor after the claim was paid.
Contribution
Whereas being the guarantor's right to ask the other guarantor that together bore, but must not be the same his ob
The insurance
The insurance was one of the forms of the control of the risk that was carried out by means of shifted/transferred the risk from one side to the other side in this case was the insurance company.
What the understanding from the insurance?
According to KUHD the article 246 were named that the "insurance or pertanggungan was an agreement with whatever of a guarantor tied himself to a person was borne, by accepting a premium, for the replacement to him because of a damage or losing the profit that was hoped for that possibly will be suffered by him because of an incident that not certainly".
The understanding of the other insurance was to be a spilling over of the risk from the first side to the other side.
In the spilling over was controlled by legal rules and the taking effect as well as the teaching of principles that universally that was followed by the first side and the other side.
From the aspect of economics, the insurance meant a fund-raising that could be used to close or give compensation to the person who experienced the loss.
What the benefit from the insurance?
Nearby as the form of the control of the risk (financially), the insurance also had various benefits that was classified inside: the main function, the function skunder and the function of the addition.
The main function of the insurance was as the transfer of the risk, the fund-raising and the balanced premium.
The function skunder the insurance was to stimulate the growth of efforts, to prevent the loss, the control of the loss, had the social benefit and as savings.
Whereas the function of the addition of the insurance was as fund investment and invisible earnings.
Could all the risks be insured?
Not all the risks could be insured.
Risk-risk that could be insured was: the risk that could be measured by money, the homogeneous risk (the
What the understanding from the insurance?
According to KUHD the article 246 were named that the "insurance or pertanggungan was an agreement with whatever of a guarantor tied himself to a person was borne, by accepting a premium, for the replacement to him because of a damage or losing the profit that was hoped for that possibly will be suffered by him because of an incident that not certainly".
The understanding of the other insurance was to be a spilling over of the risk from the first side to the other side.
In the spilling over was controlled by legal rules and the taking effect as well as the teaching of principles that universally that was followed by the first side and the other side.
From the aspect of economics, the insurance meant a fund-raising that could be used to close or give compensation to the person who experienced the loss.
What the benefit from the insurance?
Nearby as the form of the control of the risk (financially), the insurance also had various benefits that was classified inside: the main function, the function skunder and the function of the addition.
The main function of the insurance was as the transfer of the risk, the fund-raising and the balanced premium.
The function skunder the insurance was to stimulate the growth of efforts, to prevent the loss, the control of the loss, had the social benefit and as savings.
Whereas the function of the addition of the insurance was as fund investment and invisible earnings.
Could all the risks be insured?
Not all the risks could be insured.
Risk-risk that could be insured was: the risk that could be measured by money, the homogeneous risk (the
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