Asuransi Kesehatan pada Asuransi Kerugian
There are differences and breakthroughs that can occur when faced with the choice of whether to use life insurance or general insurance. Especially if the insurance that will be used is health insurance. The fact is that from what I have experienced, there are still parties who are trying to disclose the position of health insurance as part of life insurance based on the law number 2 of 1992 persuutansang 4 law number
It is dangerous if the responsible parties of zwab in the provision of this insurance service do not include Bik Buni referred to in article 4 paragraph b of the law number 2, 19
"A life insurance company may only conduct business in the fields of life insurance and health insurance, personal security insurance and annuity business, as well as being the founder and administrator of a pension fund which is persunyang pernyasungkuen
Deliberately, or lack of understanding, mention of this article may be distorted so that Buninia becomes:
" Only a life insurance company can organize the provision of benefits / services to overcome the risks associated with the death and health of a person ".
In some bloodlines, this site has led to difficulties—restrictions that lead to even one type of insurance. For example, only life insurance can become a service provider.
Non-life insurance can basically market health insurance products, with legal basis:
Law number 2 of 1992. In the matter of insurance companies
b. Government regulation number 73 of 1992 relating to the implementation of the insurance business.
vs. The Government Regulation of the Republic of Indonesia No. 63 of 1999 questions the amendments to the Government Regulation No. 73 of 1992 regarding infringements of insurance business, especially in Article 15A, point 1 Berbuni:
(1) Every insurance company is obliged to have the reinsurance support in the form of an automatic reinsurance agreement.
(2) Additional provisions under subsection (1) have been established by ministerial decree.
d Decree of the Minister of Finance of the Republic of Indonesia Number 422/KMK.06./2003 concerning the Management of Insurance Companies and Insurance Companies dated September 30, 2003 Chapter VI Article 21 ayanyatang ayanyatang
(1) The Insurance Company undertakes to obtain automatic reinsurance support for each insurance product from each marketed insurance branch.
(6) The automatic reinsurance clause referred to in paragraph (4) is determined by the Chief Financial Officer.
and Director of Kesudu General Financial Institution KEP Number – 5443/LK/2004 dated October 25, 2004 National automatic resurrection support and self-preservation Namely in article 1 year:
(1) The insurance company is obliged to negotiate national regional insurance reinsurance in the form of priority priority reinsurance (precedence treaty) to the branch insurance branch.
Ch E on the basis of Annex 1 Decree of the CEO of a financial institution Namor KEP – 5443/LK/2004 October 25, 2004 Date Provisions for the automatic support of proportional resurrection in the dissancial paddle
It is dangerous if the responsible parties of zwab in the provision of this insurance service do not include Bik Buni referred to in article 4 paragraph b of the law number 2, 19
"A life insurance company may only conduct business in the fields of life insurance and health insurance, personal security insurance and annuity business, as well as being the founder and administrator of a pension fund which is persunyang pernyasungkuen
Deliberately, or lack of understanding, mention of this article may be distorted so that Buninia becomes:
" Only a life insurance company can organize the provision of benefits / services to overcome the risks associated with the death and health of a person ".
In some bloodlines, this site has led to difficulties—restrictions that lead to even one type of insurance. For example, only life insurance can become a service provider.
Non-life insurance can basically market health insurance products, with legal basis:
Law number 2 of 1992. In the matter of insurance companies
b. Government regulation number 73 of 1992 relating to the implementation of the insurance business.
vs. The Government Regulation of the Republic of Indonesia No. 63 of 1999 questions the amendments to the Government Regulation No. 73 of 1992 regarding infringements of insurance business, especially in Article 15A, point 1 Berbuni:
(1) Every insurance company is obliged to have the reinsurance support in the form of an automatic reinsurance agreement.
(2) Additional provisions under subsection (1) have been established by ministerial decree.
d Decree of the Minister of Finance of the Republic of Indonesia Number 422/KMK.06./2003 concerning the Management of Insurance Companies and Insurance Companies dated September 30, 2003 Chapter VI Article 21 ayanyatang ayanyatang
(1) The Insurance Company undertakes to obtain automatic reinsurance support for each insurance product from each marketed insurance branch.
(6) The automatic reinsurance clause referred to in paragraph (4) is determined by the Chief Financial Officer.
and Director of Kesudu General Financial Institution KEP Number – 5443/LK/2004 dated October 25, 2004 National automatic resurrection support and self-preservation Namely in article 1 year:
(1) The insurance company is obliged to negotiate national regional insurance reinsurance in the form of priority priority reinsurance (precedence treaty) to the branch insurance branch.
Ch E on the basis of Annex 1 Decree of the CEO of a financial institution Namor KEP – 5443/LK/2004 October 25, 2004 Date Provisions for the automatic support of proportional resurrection in the dissancial paddle
Not | Brother | Extensive auto-resurrection support in the form of National Priority Contracts |
1 2 3 4 5 6 7 8 9 ten 11 12 13 | Property insurance Insurance focuses on wand machines Cargo insurance The front in Assurensi colour Aircraft ranking assurance insurance satellite Offshore energy insurance Onshore Energy Insurance subscription Liability guarantee Personal safety and health insurance credit insurance and pensions Various insurances | 8.5 million rupees 1.0 million rupees 5.0 million rupees 2.5 million rupees 2.5 million rupees 2.5 million rupees 2.5 million rupees 8.5 million rupees 7.5 million rupees 5.0 million rupees 1.0 million rupees 1.0 million rupees 5.0 million rupees |
From the above discussion it is clear that health insurance (item 11) is one of the lines/products that can be marketed by general insurance companies provided they have an automatic national insurance backing. With this in mind, loss insurance includes those who meet the criteria for establishing health insurance services.
Reference:
Insurance Expert (http://ahliasuransi.com/product-insurance-loss/)
Bapepam-UU number 2 of 1992 relating to insurance activities (http://www.bapepam.go.id/perasuransian/regulation_asuransian/uu_asuransi/UU_02_1992_Perasuransian.pdf)
Insurance Welding (http://cybershopping.cbn.net.id/cbprtl/cybershopping/detail.aspx?x=Smart+Shopping&y=cybershopping|0|0|4|143)
Book Insurance for Business (http://www.bumiaksara.co.id/detail_b_ba.php?id=405)
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