When someone wanted to insure property, many are confused: the company which bonafid and reliable. Tips-tips below can help you find the right insurance company!
Communities in countries such as USA, UK, Japan and Singapore, almost does not have any problem looking for a credible insurance companies. For, there is no ranking.
Companies that BONAFIT and liquid capital, rated triple œAâ € â €? (AAA) and under â € œBBBâ €?. Companies that are in the center median, assessed œCCCâ â € €?, And that is â € ~ gawatâ € ™ condition rated œDDDâ â € €?.
Rank this of course can be trusted because it is done by independent institutions. Institutions that create a ranking based on three categories, namely: the company's financial condition, ability to pay claims and the quality of service provided. Two institutions is quite influential Standard & Poorâ € ™ s (S & P) and AM Best. Reputation of these two institutions are well known throughout the world and serve as reference in selecting an insurance company.
Unfortunately, ratings agencies such as the S & P and AM Best, has not been much known in Indonesia, so people who want to berasuransi, must try and find your own company information that will be followed. For the general public, this is of course difficult. Not only because the information required is not available, but also when available, they are difficult to analyze.
To help choose an insurance company, under this we say a few references that could be used. This reference is of course not be multak, but a perspective.
1. Premium
Many like to buy the product because the price low. This certainly can not be applied in the insurance, the premium (price), which correlates closely with the cheaper inability to pay claims. So, if there is an agent or company that offers a low premium or discount is high, do not immediately tempted. Try to compare it with quotes from other companies. Keep products with the requested terms and conditions, so the comparison is made more comparableâ € ~ â € ™.
2. Big-small company
Could not be denied, the organization with a large number of branches that are scattered everywhere, often also serve as the criteria of selecting the company underwriter. However, this consideration is not relevant anymore, because in fact many large companies (konglomerasi) collapse.
3. Financial reports
The best way is to analyze the condition of the company through financial reports. Now, the laws already require insurance companies in the financial reports of the mass media, so the community can monitor the company that would follow. The problem is not everyone can analyze the balance sheet keangan.
However, if this is the only information available, it is important to consider the conditions and underwriting its operations. Company is good, of course, shows the profit on both. Complexity, not all insurance companies have a financial statement like that. In addition may be underwriting loss in the report indicates, and that does not mean that the financial reputation of the company's ugly. Therefore, it should be also seen its operational side. Despite the underwriting loss, when the overall hit show, the company's financial performance is still quite good.
4. Management
The people who sit in positions of management companies, can also be used to assess the credibility of an insurance company. When sitting in the top management is the people who have high credibility and a professional in the field, then we can believe and trust that the company is indeed reliable.
Other indicators are reinsurance companies that support the company. Reinsurance company is a company that provides services in response to the risk of re-faced by the insurance company. Generally, insurance companies reinsure the risk borne by the reinsurance company. In this case, the strength of insurance companies is also seen from the way they mereasuransikan risk. So things to note is, if the reinsurance company that has used the ranking official or not (for example, from the S & P).
5. Information from a friend or colleague
Ways the easiest and most secure is to ask friends or acquaintances who know about the reputation of certain insurance companies, especially those who have been so policyholders. Through them, we can know how the condition of the company.
6. Broker (Broker) insurance
You can also come to the company's broker (broker) insurance. Company broker is a company that provides services in keperantaraan closing and settlement of indemnity insurance to act for the purposes of Insured. The beginners who want berasuransi also many who take advantage of this service broker. However, not infrequently also broker company was founded by insurance companies, so their attitudes may be less objective.
7. Pemeringkatan yan made magazine
Magazines often pemeringkatan to do with the insurance companies consider these categories as important, the company's financial condition, ability to pay claims, and other-lan. Pemeringkatan this can also be a reference in the early BONAFIT consider an insurance company. Because pemeringkatan been done and done by independent experts of the field. However, they are usually only focused on unsure keuanganyannya only.
Solve the problem occurs when the dispute
Insurance business conducted on the basis of trust, however, disputes sometimes arise between the Insured (policy holder) and the insurer (insurance company). Source of conflict or problems can be manifold. There is a dispute in sebabkan policy mistake in the interpretation and also because there pelaksaaan disavowal of the contract agreement.
In the insurance policy is listed clause-a clause on how to complete the set of disputes arising. Persilisihan going through can be several ways, such as consensus, arbitration or court. But, any way you located, there is always the work and also the time period penyelesaianya. Procedure described below penyelsaian conflict.
1. Musyawarah
When a dispute arises in any case by sebabkan, then the first must be arranged by the two sides is how to solve them with the consensus or peace. Musywarah means that there is dialogue. â € œSemua problems could be resolved through dialogâ €?. This is not just a blank expression! For through dialogue, each party can express keberatannya reasons and also to hear the other party, so arise the same understanding.
Understanding of the same will produce a mutually beneficial agreement of both pihak.tentu only perdamain or through a settlement conference will be more satisfying parties hostile.
Settlement through perdamain no time limit. Typically, disputes are resolved the old 60 (sixty) days of the case, since that is one of the party states in writing the top-sepakatan the dipersengkatan. If the dispute can not be resolved through discussion, the parties can solve them through the dispute arbitration and the courts.
2. Arbitration
Arbitration is the settlement of the business with the help of mediator or referee. Insurance settlement of disputes through arbitration is common. If arbitration is already decided, the settlement via the court automatically fall, because the arbitration is final and binding.
Checking on the dispute by this board must be completed within a maximum of 180 days since the Ad Hoc Arbitration council form. This limit can still be extended with the agreement of the parties dispute.
Termination of the Ad Hoc Arbitration board are final and have the power law remains binding Insured and insurer. When one of the parties refuse, then the other party may request the head of the District Court in the area of law where he lived termohon decision to implement. Cost settlement through arbitration are shared by both the parties dispute.
3. Court
Alternative solution that may be implemented is through the courts. If the problem submitted to the court, the hakimlah who will decide these things. In this case, there is no limit of time and all depends on the board of judges to handle the matter.
The position Tawar Strong Customer
Rising Act (Act) No. 8 / 1999 on Consumer Protection to provide assurance that the rights be more Insured. Consumer complaints has now been missed with the presence of Law Number 8 Year 1999 on Consumer protection. Law made in the spirit of this reform, in addition to providing protection to consumers, they also put in a bargaining position stronger.
Based on this Act, consumers have the right to request information of all things that will be in diperjanjikan insurance, and as the â € ~ produkâ € ™ seller, insurance companies must be prepared to explain the content and meaning of contract in the policy to consumers truly understand it. Against the consumer if the product or service user â € "who felt aggrieved because the product / goods or services they receive does not match that diperjanjikan or, as appropriate, the law is that they have a guarantee or indemnity compensation.
In this Act be the consumer rights to obtain the correct information, clear and honest about the condition and security of goods and / or services dibelinya, and the right to hear opinions and keluhannya up goods or services used.
Many of the rights stipulated in the law so that consumers increasingly strong position. As a party that promised, Insured and the insurer has a position equal and none is below and above. The rights of the other be in the Law No. 8 / 99 are:
* Rights on the comfort and safety in consuming goods and / or services
* The right to choose the goods and / or services, and obtain goods and / or services in accordance with the exchange rate and the condition and guarantee the promised
* The right to get advocacy, protection and dispute resolution efforts should be
* The right to obtain guidance and consumer education
* The right to be treated or managed correctly and honestly and not discriminatory
* The rights stipulated in the provisions of legislation other.
Thus we review the article at this time, I hope to add insight to your berasuransi and help you choose the company that BONAFIT and can be held promise. Congratulations berasuransi. n
Taken from Harian Umum Sore Sinar Harapan rubric FINANCIAL PLANNING. This rubric diasuh by the School of Life Indonesia (ISOL) ie Andrias Harefa, Sembel Roy, M. Ichsan, Heru Wibawa, and Parpudi Lubis
Communities in countries such as USA, UK, Japan and Singapore, almost does not have any problem looking for a credible insurance companies. For, there is no ranking.
Companies that BONAFIT and liquid capital, rated triple œAâ € â €? (AAA) and under â € œBBBâ €?. Companies that are in the center median, assessed œCCCâ â € €?, And that is â € ~ gawatâ € ™ condition rated œDDDâ â € €?.
Rank this of course can be trusted because it is done by independent institutions. Institutions that create a ranking based on three categories, namely: the company's financial condition, ability to pay claims and the quality of service provided. Two institutions is quite influential Standard & Poorâ € ™ s (S & P) and AM Best. Reputation of these two institutions are well known throughout the world and serve as reference in selecting an insurance company.
Unfortunately, ratings agencies such as the S & P and AM Best, has not been much known in Indonesia, so people who want to berasuransi, must try and find your own company information that will be followed. For the general public, this is of course difficult. Not only because the information required is not available, but also when available, they are difficult to analyze.
To help choose an insurance company, under this we say a few references that could be used. This reference is of course not be multak, but a perspective.
1. Premium
Many like to buy the product because the price low. This certainly can not be applied in the insurance, the premium (price), which correlates closely with the cheaper inability to pay claims. So, if there is an agent or company that offers a low premium or discount is high, do not immediately tempted. Try to compare it with quotes from other companies. Keep products with the requested terms and conditions, so the comparison is made more comparableâ € ~ â € ™.
2. Big-small company
Could not be denied, the organization with a large number of branches that are scattered everywhere, often also serve as the criteria of selecting the company underwriter. However, this consideration is not relevant anymore, because in fact many large companies (konglomerasi) collapse.
3. Financial reports
The best way is to analyze the condition of the company through financial reports. Now, the laws already require insurance companies in the financial reports of the mass media, so the community can monitor the company that would follow. The problem is not everyone can analyze the balance sheet keangan.
However, if this is the only information available, it is important to consider the conditions and underwriting its operations. Company is good, of course, shows the profit on both. Complexity, not all insurance companies have a financial statement like that. In addition may be underwriting loss in the report indicates, and that does not mean that the financial reputation of the company's ugly. Therefore, it should be also seen its operational side. Despite the underwriting loss, when the overall hit show, the company's financial performance is still quite good.
4. Management
The people who sit in positions of management companies, can also be used to assess the credibility of an insurance company. When sitting in the top management is the people who have high credibility and a professional in the field, then we can believe and trust that the company is indeed reliable.
Other indicators are reinsurance companies that support the company. Reinsurance company is a company that provides services in response to the risk of re-faced by the insurance company. Generally, insurance companies reinsure the risk borne by the reinsurance company. In this case, the strength of insurance companies is also seen from the way they mereasuransikan risk. So things to note is, if the reinsurance company that has used the ranking official or not (for example, from the S & P).
5. Information from a friend or colleague
Ways the easiest and most secure is to ask friends or acquaintances who know about the reputation of certain insurance companies, especially those who have been so policyholders. Through them, we can know how the condition of the company.
6. Broker (Broker) insurance
You can also come to the company's broker (broker) insurance. Company broker is a company that provides services in keperantaraan closing and settlement of indemnity insurance to act for the purposes of Insured. The beginners who want berasuransi also many who take advantage of this service broker. However, not infrequently also broker company was founded by insurance companies, so their attitudes may be less objective.
7. Pemeringkatan yan made magazine
Magazines often pemeringkatan to do with the insurance companies consider these categories as important, the company's financial condition, ability to pay claims, and other-lan. Pemeringkatan this can also be a reference in the early BONAFIT consider an insurance company. Because pemeringkatan been done and done by independent experts of the field. However, they are usually only focused on unsure keuanganyannya only.
Solve the problem occurs when the dispute
Insurance business conducted on the basis of trust, however, disputes sometimes arise between the Insured (policy holder) and the insurer (insurance company). Source of conflict or problems can be manifold. There is a dispute in sebabkan policy mistake in the interpretation and also because there pelaksaaan disavowal of the contract agreement.
In the insurance policy is listed clause-a clause on how to complete the set of disputes arising. Persilisihan going through can be several ways, such as consensus, arbitration or court. But, any way you located, there is always the work and also the time period penyelesaianya. Procedure described below penyelsaian conflict.
1. Musyawarah
When a dispute arises in any case by sebabkan, then the first must be arranged by the two sides is how to solve them with the consensus or peace. Musywarah means that there is dialogue. â € œSemua problems could be resolved through dialogâ €?. This is not just a blank expression! For through dialogue, each party can express keberatannya reasons and also to hear the other party, so arise the same understanding.
Understanding of the same will produce a mutually beneficial agreement of both pihak.tentu only perdamain or through a settlement conference will be more satisfying parties hostile.
Settlement through perdamain no time limit. Typically, disputes are resolved the old 60 (sixty) days of the case, since that is one of the party states in writing the top-sepakatan the dipersengkatan. If the dispute can not be resolved through discussion, the parties can solve them through the dispute arbitration and the courts.
2. Arbitration
Arbitration is the settlement of the business with the help of mediator or referee. Insurance settlement of disputes through arbitration is common. If arbitration is already decided, the settlement via the court automatically fall, because the arbitration is final and binding.
Checking on the dispute by this board must be completed within a maximum of 180 days since the Ad Hoc Arbitration council form. This limit can still be extended with the agreement of the parties dispute.
Termination of the Ad Hoc Arbitration board are final and have the power law remains binding Insured and insurer. When one of the parties refuse, then the other party may request the head of the District Court in the area of law where he lived termohon decision to implement. Cost settlement through arbitration are shared by both the parties dispute.
3. Court
Alternative solution that may be implemented is through the courts. If the problem submitted to the court, the hakimlah who will decide these things. In this case, there is no limit of time and all depends on the board of judges to handle the matter.
The position Tawar Strong Customer
Rising Act (Act) No. 8 / 1999 on Consumer Protection to provide assurance that the rights be more Insured. Consumer complaints has now been missed with the presence of Law Number 8 Year 1999 on Consumer protection. Law made in the spirit of this reform, in addition to providing protection to consumers, they also put in a bargaining position stronger.
Based on this Act, consumers have the right to request information of all things that will be in diperjanjikan insurance, and as the â € ~ produkâ € ™ seller, insurance companies must be prepared to explain the content and meaning of contract in the policy to consumers truly understand it. Against the consumer if the product or service user â € "who felt aggrieved because the product / goods or services they receive does not match that diperjanjikan or, as appropriate, the law is that they have a guarantee or indemnity compensation.
In this Act be the consumer rights to obtain the correct information, clear and honest about the condition and security of goods and / or services dibelinya, and the right to hear opinions and keluhannya up goods or services used.
Many of the rights stipulated in the law so that consumers increasingly strong position. As a party that promised, Insured and the insurer has a position equal and none is below and above. The rights of the other be in the Law No. 8 / 99 are:
* Rights on the comfort and safety in consuming goods and / or services
* The right to choose the goods and / or services, and obtain goods and / or services in accordance with the exchange rate and the condition and guarantee the promised
* The right to get advocacy, protection and dispute resolution efforts should be
* The right to obtain guidance and consumer education
* The right to be treated or managed correctly and honestly and not discriminatory
* The rights stipulated in the provisions of legislation other.
Thus we review the article at this time, I hope to add insight to your berasuransi and help you choose the company that BONAFIT and can be held promise. Congratulations berasuransi. n
Taken from Harian Umum Sore Sinar Harapan rubric FINANCIAL PLANNING. This rubric diasuh by the School of Life Indonesia (ISOL) ie Andrias Harefa, Sembel Roy, M. Ichsan, Heru Wibawa, and Parpudi Lubis
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