SOCIAL INSURANCE

a. Definition and legal basis of the Social Insurance
Social insurance , or generally called Social Security ( national social security system ) is : " insurance program shall be organized by a law , with the aim to provide basic protection for the welfare of the community . Insurance is a social insurance program shall be held by a of Law , with the aim to provide basic protection for the welfare of society . "
Social insurance programs can only be held by the State-Owned Enterprises ( Law no. 2 yr 1992) .
Basic Law :
• Passenger Accident Insurance : Law no . 33 and 34 yr 1964
• Social Security : Law no . 3 yrs in 1992
• Insurance and Old Age Security Death PNS / Armed Forces : Law no . 11 yrs know about Spending Retirement 1956 , Law no . 11/1969 Employee Pension and Retirement know about Widow / Widower Employees
• Health Insurance : Presidential Decree 230/1968 KES to know about Maintenance & Peg State Pension Recipients civil + military and their family members
• Legal Basis Askes à Candy Kes no. 1/1968 à forming Kes Maintenance Fund Administering Agency ( BPDPK )
• Regulation no . 22/1984 à Maintenance Kes for civil servants , Pension Recipients ( civil , military and state officials ) and their family members

Travel Insurance

For those of you who frequently travel out of town or out of the country be it for business or pleasure, then you should protect your trip with travel insurance . The main purpose of travel insurance is to protect you from the risks as long as you make the trip . The most fatal risks of traveling , especially by plane was an accident . If you are not covered by insurance , the cost of treatment is costly accidents and you risk losing revenue because they can not actively work again will make your finances worsen already like falling down the stairs . For the purposes of this travel insurance needs.

What are guaranteed by the travel insurance ? In general, the following things are guaranteed by travel insurance :

Variety of Life Insurance Terms

So what are the requirements to follow the life insurance ? For those of you who do not have any knowledge at all about the purchasing requirements and follow the life insurance , there are some information you should know . The first requirement is about all matters administrative procedures . Some administrative requirements that you need to prepare all is well that the annex identification ID cards , driver's license , passport , or birth certificate . Administrative requirements of the second is to fill out a form or letter request SPAJ life insurance . Next is to include a letter of medical records from the hospital if you have been treated within the last 5 years . Next , you need to start paying insurance premiums based on the existing options . Proof of payment must be included of course . Taking medical tests on underwriting is the next step .

Stages of Life Insurance Mengikutii

MOTOR VEHICLE INSURANCE

a. Definition and Legal Basis of Motor Insurance

In the Finance Minister Regulation ( PMK ) No. . 74/PMK.010/2007 in particular Article 1 ( 2 ) : " Motor Vehicle Insurance is a life insurance product that protects the insured from the risk of loss that may arise in connection with the ownership and use of motor vehicles . "

Motor Vehicle Insurance is part of the general insurance which covers loss or damage to the insured motor vehicle against the risk of collision , the evil deeds of others, theft , fire and lightning strike , according to the conditions stated in the Indonesian Motor Vehicle Policy . Broadly speaking , the type of coverage Vehicle Insurance is divided into 2 ( two ) that is divided into 2 ( two ) types : 1

1 . Comprehensive / All Risk ( Losses Combined ) provide a guarantee of :

a. Loss / damage to the insured motor vehicle collision , collisions , overturned , skidded off the road .

b . Financial loss / damage to motor vehicles due to the evil deeds of people except by their own families / people who work with the insured or the insured 's permission to bring such vehicles . bring the vehicle insured or the insured 's permission .

c . Fires caused by the fire that comes from within and from outside

Vehicle .

d . Theft , including theft with violence.

e . Lightning strikes .