Premiums can minimize the risk of atau'pun losses that you may experience in the future. Similar accidents, natural disasters, health, etc. With insurance, you can transmit your contribution to the company kerugiaan SA.
Defined contribution coverage could be interpreted also as "protection" or "Risk Distribution". On law No. 2 Th 1992 Perasuransian business discourse is an agreement between two or more parties, with which the insurer to the insured committing yourself, using the insurance get insurance, create a deliver a replacement on the insured because of the losses, damages or loss of profits expected or the responsibility of the third party rule reply may be suffered the insured, who is from an event antecedent is not absolute, or providing a payment based on their life or death a yg dipertanggungkan.
You become "Insured" and premium Companies become "Insurer"
The agreement between the two entities is called a policy or an insurance policy: this is a legitimate contract wrote mentioning any term and conditions are protected. Porto yg paid by "customer" in the "insurer" create risks borne claimed "insurance". This is generally influenced the "insurer" create funds can reply claimed in the future, the administrative costs, as well as profit.
The transfer of risk is by no means eliminates the possibility of misfortune, but rather the insurer provides financial security party (financial security) and peace (peace of mind) for the insured. In return, the insured pay into insurance in a very small amount when compared to use of irritant potential losses may be sustained (Morton: 1999).
In a premium contained 4 elements, namely:
Parties the insured (insured) that promised to create pay premiums to the insurer, at once or gradually.
Party insurer (insure) that promise to pay a sum of money (compensation) to the insured party, all at once or gradually in case something containing elements not necessarily.
An event (accident) which are not necessarily or previously unknown.
Interest (interest) that will probably suffer losses due to events not necessarily reply.
See also the notion of insurance as well as the definition of the premium according to the experts:
from Subekti. Sudibyo Tjipto and r (1992:43) is assured of approval in the dues which the parties guarantee the promise on the part of the reply is guaranteed to get the amount of money insured in lieu of dues the losses inflicted on the yg yg is guaranteed, since the result comes an unclear antecedent incident occurred. The origin of the sense of the above it can be concluded that the premium involves two parties namely party wrote loss and the party that suffered losses.
Seen in terms of economic law, derived on the basis of Aglaonema (1992:51) premium is protection, thus held between private parties, where the stated use'll pay some dues to the exclusive party coverage (yg insured), then the other party (asurander) agree to provide a lifeline when he suffered losses. Understanding on top can be inferred that the insurance is a financial loss protection.
Abbas Salim A (1989:33) States that the premiums in the economy i.e. the collection of donations derived them in case something exclusive practical incident mastered a number of desired reply to a among those to whom the likelihood of the occurrence of that event.
The next Emmy Pangaribuan (1990:28) says that the premium is an agreement, whereby the insurer with a menikimati party insurance given the insured himself against to free themselves of origin losses due to loss or absence of expected profits.
In the Outer Office of Education Training (1982:23) explained that insurance is a way of risk transfer comes a party to another with insurance into their bonds.
Zaki Baridwan (1997:295) stated that the terms of insurance along with the stated requirement is if the property insured (dipertanggungkan) with a lower number of stems at a certain percentage derived from the market prices of objects earlier on when the occurrence of the fire, then the company will bear the losses charged yg because fire spreads coverage amount by the percentage of exclusive property market prices.
Practical-hope relatively snug Sense of premium coverage, tuition and the definition in this article.
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