CHAPTER I
INTRODUCTION
1.1 Background
Adira
insurance premiums have increased in October 2010. Many questions about this
situation. Why is it happen, what techniques are applied and what is the
important of insurance. So users of insurance has increased from year to year,
especially in PT ADIRA INSURANCE and all insurance comoanies in Indonesia.
1.2 Problem Statement
From
this paper, we can get the problem statement:
1. What technique are used by PT Adira INCURANCE?
2. Why every one needs insurance?
1.3 Objectives of The Paper
From
above, we can get the objective of the
paper:
1. To know the technique by PT ADIRA INCURANCE
2. To know the importance of insurance
1.4 Significant of The Paper
1.
To help
other insurance companies
2.
This
paper can be a reference for users
CHAPTER
II
LITERATURE
REVIEW
2.1 Partinent Ideas
2.1.1
Definition
insurance
in uu is about the business of
insurance is an agreement between
two or more
parties. where the parties committed themselves to the insured. the insured receives insurance premiums.
where the insurer provides reimbursement to the insured for loss, damage or loss
of expected benefits or third
party liability which may be suffered by
the insured arising from an uncertain
events. provide a payment based
or dies or
lives insured.
Insurance in law and economics is a part of risk
managements , used for hedge against the risk of loss. Narrowly insurance is a
system for degrading the financial loss. Benefit of Insurance companies. The
insurance companies have benefit from investment profit that called float.
2.1.2
Legal Basis
insurance
in uu is about the business of
insurance is an agreement between
two or more
parties. where the parties committed themselves to the insured. the insured receives insurance premiums.
where the insurer provides reimbursement to the insured for loss, damage or loss
of expected benefits or third
party liability which may be suffered by
the insured arising from an uncertain
events. provide a payment based
or dies or
lives insured.
agencies
that distribute the risk is called the insurer and
the body is
called the insurer to accept
the risk. agreement between the two parties
is called a policy. The policy is a legal contract
that explains all the terms and conditions
protected. fees paid by the insured to the insurer for risks covered by so-called
premium. This is
usually determined by the insurer for the
fund can be claimed in the future.
2.1.3
insurance company
profits
insurance
companies also earn
investment profits earned from the investment
of premiums received until
they have to pay
the claim. This money
is called float. insurer
could incur losses or gains from price changes and
interest rates or float in the float
dividend. in the United States, lost property and
deaths recorded by the insurance company is
U.S. $ 142 billion
within five years ending in 2003. but the
total profit in
the same period was U.S. $ 68.4 billion
as a result of
the float.
2.1.4
principles of accounting
in
the insurance world
there are 6 kinds
of basic principles that must be met, namely:
insurable interest, ie the right to insure. arising out of a financial relationship, between the insured and the insured is legally recognized.
insurable interest, ie the right to insure. arising out of a financial relationship, between the insured and the insured is legally recognized.
utmost
good faith, which is an action to disclose accurate
and complete, all
material facts regarding
something that will
be insured, whether requested or not.
means that the
insurer must honestly explain everything
clearly about the extent of the
terms or conditions of insurance and
the insured must also provide a clear and correct
for objects or interests of the
insured.
proximate
cause namely an
cause of active, efficient
which raises of
events which brings a result without the intervention an which
began to and actively from sources who
new and indepanden.
indemnity is a mechanism whereby the insurer to provide financial compensation to put the insured in a financial position that they have just loss.
indemnity is a mechanism whereby the insurer to provide financial compensation to put the insured in a financial position that they have just loss.
demanded
the transfer of subrogation
rights of the
insured to the insurer after a
claim has been paid.
the contribution from the insurer the right to invite the other person equally bear but do not have the same obligations to the insured to participate in providing indemnity.
the contribution from the insurer the right to invite the other person equally bear but do not have the same obligations to the insured to participate in providing indemnity.
2.2 Analysis of Issues
2.2.1 To Know what techniques are applied in Adira so insurance premium increased by 40%
Some
people think that insurance like a bet which applied during the period of
policy. Insurance companies are betting that property buyers will not be
lost when the buyer pays the money. The different between expense that paid to
the insurance company against the amount they can receive when the accident
occurred nearly equal if someone bet in a horse race (example 10 to 1). Because
of this reason, some religious groups, like Amish avoid insurance and depend on
the support they received by their communities when disasters occur.
In the
community that have a close relationship and supports which the people can help
each other to rebuild the property that lose, this plan can work. Most
people can’t effectively support this system, will not work for big risk.
There are
some trick that applied by
PT. Adira Insurance although nearly equal to other insurance
companies, but they are confident that they can compete professionally.
1.
Product
a. Home
b. Company in brief:
1) Company in brief;
2) Company pillars;
3) Management team;
4) Corporate social responsibility;
5) Awards
c. News and tips
1) What's on news
2) Press release
3) Tips
4) Testimonials
5) Insurance knowledge
d. Products
1) Autocillin
a) Product information
b) Faq
c) Autocillin garage
d) Premium simulation
2) Motopro
3) Product information
4) Fire / property
5) Heavy equipment
6) Marine cargo
7) Safetrip
8) Axioo shield
9) Pa telkomsel
10) Other
11) Service
12) Service process
13) New application
a) Payment procedures
b) Claim procedures
c) Renewal procedures
d) Endorsement procedures
14) Representative office
15) Adira care
16) Autocillin rescue
17) Autocillin garage
e. Partner
1) Re-insurance
2) Agent
f. Career
1) Life at adira
2) Job vacancy
a) Fresh graduates
b) Experienced professional
g. Downloads
h. Contact us
2. Development of human resources
On
the base of trust that human resources are an important asset of the
company,adira insurance take the place for management of human resources as one
of the strategic aspects that have an important influence and determine in
creating competitive advantage which
needed by organization.
Beside
that , to anticipate rapid changes that happening in the business world,
established an organizational structure that is able to adapt quickly and
appropriately to the demands of the business, the organizational structure that
"lean and mean" with optimal support of Information technology, and
high commitment to make the culture of learning at each layer and functions in
the organization.
Human
resource management is done optimally, start from the recruitment and
selection, performance management, people development, till compensation
management.
Recruitment
and selection process which is the gateway of an organization that have an important role in getting potential
candidates, which has competence in accordance with the needs of the
organization, which has the working spirit inggi to provide the best, and of
course a healthy mind and body.
Employee
development and continuous carefully done starting from the determination of
competency models, both soft competence and technical
competence. Measurement of employee competency level, the selection of an
appropriate development program, to program evaluation. In addition,
employee development is done by conssidering the needs of individuals and
organizations, both short term and long term.
Compensation
in the form of financial and non-financial internal balance is given with
regard to each individual according to their contributions.
3. Mangement trainee program
Since
its inception insurance adira very aware that human resources plays a very
strategic for business development. Therefore since both berdir, adira
insurance has run the program for the management ttrainee mendapakan future
candidates can be a very valuable asset to carry insurance adira growing
rapidly.
Trinee
Management program is employee development program aimed at recent graduates
with the selection process so g snagat tight. Management trainee
candidates will follow a pre-determined selection process as participants
MTprogram
There are 4 main criteria in the
soft aspects of competence, namely:
a. Analytical and conceptual thinking
b. Achievement orientation
c. Willingness to learn
d. Teamwork
After
passing their test through the second
stage of the interview process is done gradually from human capital development
till the board of directors about the interview that there are 4 levels must be
passed as a candidate for MT
The
last stage is the prose medical check uo to know the health condition in
question in order to work properly. Rigorous selection process is
intentionally biased dibua so in hopes getting a qualified candidate as
expected.
4. Claims procedure
Process
and filing insurance claims process in adira overall pretty simple. You
simply fill out a form and a report claims that there is complete documents
required, the team will analyze adira further insurance claims in accordance
with the existing conditions of coverage. The main thing to ensure is that
your losses is guaranteed in the policy.
Confirmation
of payment to payments made secar deposit or cash, do it immediately after
confirmation of payment as follows:
a. Phone
b. Sms channel
c. Email
d. Website
With your premium changes Dapa added
protection extension below:
a. Third party liability;
b. Personal accident;
c. Medical expense;
d. Flood and Winstorm;
e. Earthquake, tsunami, and volcanic
eruption;
f. Strike, riot, civil and Commotion.
2.2.2 Why we need Insurance?
The insurance has special benefit that
anticipated financial position or customer back before happening lass. The
other hand, the insurance can decrease anticipated risk, can decrease burden of financial because of
happened risk that come suddenly, give guiet in working and others benefits.
What ever the activity that we do absolutely
has risk unexception when we are being in vehicle. Eventhough we had already
carefully, perhaps get accident it must be. That we can do is to minimize the
risk of financial whe accident happent.
There are some reasons why we need
insurance.
1. Autocilin,
one of main product of Adira Insurance present to answer the problem. The
complete of insurance and future denotes reall form of autocilin effart for
always coming to its coustomer.
As
the name of the product “autocilin”, tha denote combination of two words it is
“auto” and “cilin”, we try giving “ medicine” as recovering for vehicle. But it
is not only for vehicle, or the value of financial, besides, autocilin gives covering for dissapponted of heart.
2. To
face the victim of fire, you can minimize risk by appliying standard in every
activities, so that it does not happen a mistake that can couse fire.
Eventhough it had been organized well, the victim can perhaps happen. That you
can do is by removing the risk at the company insurance.
3. The
product of insurance Adira Insurance prepsares com prehensive of protection or
total disadvantage heavy divice such as tractor, bulldozer, excavator, crane
and others heavy devices to damage eventhough when it is operating or not.
4. The
process of carrying goods it is not known by youself that send the goods. The
most important for you is the goods arrive to the place on time in well
condition. Its id not can couse advantage of financial for you. For minimizing
the risk advisable to insurance the process of carrying.
Do
you still feel afraid loss your motorcycle that is parking at crowded central,
or at your house yard? Do you still feel afraid of getting an accident when is
riding motorcycle, eventhough yourself have taken care? Now, you can breat fee,
because the company Insurance Adira Dinamika (Adira Insurance) offers solution
that can decrease your affaid. Adira Insurance offers a product motorcycle
insurance by name motorpo, that can protect your motorcycle and also can
protect yourself.
What
do we wait to don’t use insurance? The government has started one step more
advance in thinking the future of their society by watching the insurance as
compulsory program for the cltizen. The ministery of economy Aburizal Bakrie
(Monday, 12/10) said that in 2014 about 230 billion Indonesian have to get
insurance protection, he said this case has to be firmed through statute that
contains that every person must has insurance. The government will underwrite
insurance for the poor citizen, that cover health insurance (ASKES), manpower
guaranty social (Jamsostek) and Manpower Ansurance Social (ASTEK).
Deputy
II, side resident social prosperity Adang Setiana said, that the government has
target in 2014 all citizen must already have insurance for the citizen will be
underwritten the, so it is prdaparing statue to manage the obligation of
insurance ownership every Indonesian.
Initate
to plan for having insurance from insurance company your favorite, through an
agent insurance that spread in Indonesian. Be smart in choosing by payment time
that it is short payment time, and the benefir that according our necessary.
CHAPTER III
CONCLUTION AND
SUGGESTION
3.1 Conclusion
1. Tech
that applied by Adira Insurance so Adira's Insurance Premium gets on 40 % .
Process""
one that constitute organization portal holds to play a part essential in get
potential employee candidate, one that have interest according to organization
requirement, one that have tall job spirit to give the best one, and of course
it is healthy carnal and spiritual.
2. We
need insurance
Insurance is one of operation form run the
risk, by shifts/transferred runs the risk that of first
side goes to party any other, in this case is to insurance company. Devolution that
was constituted by law and principle order that prevailing universal ala, one
that followed by first party and also other party. According to kuhd section
246 said that insurance or about responsibility is an indentured by which
someone fasten self to reassured someone, by accepts a premium, for substitution
to her because a damage or expected gain loss one maybe will be suffered it is
because an at loose ends scene.
Available six basic principle kind that
shall be accomplished deep world insurance, which is insurable, interest,
utmost good faith, proximate cause, indemnity, subrogation, and contribution.
Even
government have begun more ahead a step in think up its people future with look
nine ways insurance as program of mandatory for its citizen. Menko kesra
Aburizal Bakrie (monday 12 / 10) declare for that on year 2014 as much 230
million (two hundred thirty million) Indonesian peoples shall have insurance
protections.
Government
will take on insurance for people hole in the wall, one that ranges health
insurance, employment social security, republic of Indonesian armed forces
social insurance and labour social insurance. But, because is not all insurance
divide its people will take on government, therefore being made ready by
legislation to manage insurance ownership liabilities for every its Indonesian citizen.
3.2 Tips
Behave
the importance for insurance, one worthy its we respond positive for upturned
beginning commanding thinking see farther nation future to the fore. As citizen
that can and have integrity, therefore advisable we back up to program that
with beginning have insurance for our own.
