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