Macam-macam jenis asuransi dan manf

Macam-macam jenis asuransi dan manfaatnya

Perusahaan asuransi membuat kebijakan pengelompokan asuransi sesuai dengan fokus dan resiko untuk mereka. Ini memberikan ukuran keseragaman dalam risiko yang ditutupi oleh jenis kebijakan, yang pada gilirannya memungkinkan perusahaan asuransi untuk mengantisipasi potensi kerugian dan menetapkan premi yang sesuai. Bentuk yang paling umum dari kebijakan jenis-jenis asuransi yaitu :

Asuransi jiwa

Asuransi jiwa memberikan keuntungan finansial kepada orang yang ditunjuk atas kematian tertanggung. Berbagai bentuk asuransi jiwa yang dikeluarkan. Beberapa menyediakan pembayaran hanya setelah kematian tertanggung, sebagian perusahaan asuransi yang lain ada bisa memungkinkan tertanggung untuk mengklaim dana sebelum kematiannya.

Seseorang dapat membeli asuransi jiwa pada kehidupan sendiri untuk kepentingan orang ketiga. seseorang Individu bahkan dapat membeli asuransi jiwa pada kehidupan orang lain. Misalnya, seorang istri dapat membeli asuransi jiwa yang akan memberikan manfaat kepadanya setelah kematian suaminya. kemudian orang tua mengasuransikan diri terhadap kematian anak. atau pun sebaliknya orangtua membeli asuransi untuk anaknya dan umumnya asuransi jiwa menawarkan keuntungan finasial yang diberikan pada ahli waris peserta asuransi. penjelasan lebih lanjut akan kita bahas pada artikel selanjutnya

Asuransi kesehatan

Asuransi kesehatan merupakan sebuah produk asuransi yang khusus menangani masalah kesehatan akibat suatu penyakit dan menanggung proses perawatan kepada pada anggota asuransi nya. Umumnya termasuk melindungi dan menanggung pada cedera, cacat, sakit, dan kematian karena kecelakaan. Asuransi kesehatan dapat dibeli untuk diri sendiri dan untuk orang lain.

Asuransi kendaraan

Yang paling populer asuransi mobil. yaitu asuransi terhadap cedera kepada orang lain atau terhadap kerusakan pada kendaraan orang lain yang disebabkan oleh kendaraan tertanggung. Asuransi mobil juga dapat membayar untuk kehilangan, atau kerusakan, kendaraan bermotor tertanggung. Kebanyakan negara mengharuskan semua sopir atau pemilik kendaraan memiliki asuransi ini biasanya semua kerugian dan kerusakan akibat kecelakaan dibayar oleh perusahaan asuransi, tetapi tergantung juga pada kebijakan perusahaan asuransi tersebut. terkadang mereka hanya menanggung sebagian kerugian caontoh nya dalam kasus-kasus kecelakaan yang mengerikan, atau di mana biaya pengobatan atau perbaikan melebihi jumlah yang ditetapkan oleh undang-undang.

Asuransi kepemilikan rumah dan properti

Asuransi pemilik rumah 'melindungi pemilik rumah dari kerugian yang berkaitan dengan tempat tinggal mereka, asuransi properti pribadi melindungi terhadap kehilangan, atau kerusakan, barang-barang tertentu milik pribadi. ini termasuk melindungi dan memberikan keringanan apabila terjadi kecelakaan pada rumah anda seperti kebakaran dan lain sebagainya.

Asuransi pendidikan.

Ini merupakan salah satu jenis asuransi yang paling populer saat ini. asuransi pendidikan merupakan sebuah solusi cerdas untuk menjamin kehidupan menjadi lebih baik. contohnya orang tua yang mengasuransikan pendidikan anak. biaya premi yang harus dibayar oleh peserta asuransi tergantung pada jenis pendidikan yang ingin didapatkan kelak.

Selain itu ada juga Asuransi Bisnis dapat menjamin terhadap kerusakan, kehilangan dan kerugian dalam jumlah besar yang sesuai dengan kebijakan. Polis asuransi kebakaran mencakup kerusakan yang disebabkan oleh kebakaran, ledakan, gempa bumi, petir, air, angin, hujan, tabrakan, dan kerusuhan. Asuransi Umum melindungi tertanggung terhadap berbagai kerugian, termasuk yang terkait dengan tanggung jawab hukum, pencurian, kecelakaan, kerusakan properti, kecelakaan dan cedera pada pekerja, serta asuransi kredit kepada orang lain. Asuransi kredit yang melindungi dan mengatur proses pinjam meminjam dan permasalahan dalam pengambilan jenis-jenis kredit tertentu

Untuk Bidang kelautan ada juga Polis asuransi kelautan memastikan pengangkut dan pemilik kargo yang dikirim melalui samudra laut, atau jalur air yang di layari. Risiko laut termasuk kerusakan kargo, kerusakan kapal, dan melukai penumpang.
Asuransi perjalanan udara memberikan manfaat asuransi jiwa kepada penerima bernama jika tertanggung meninggal dunia sebagai akibat dari penerbangan pesawat yang ditentukan

Banyak jenis asuransi lainnya juga dikeluarkan. seperti Asuransi kesehatan kelompok biasanya ditawarkan oleh sebuah industri kepada semua karyawan mereka. itulah beberapa jenis-jenis asuransi yang biasanya disediakan namun Seseorang dapat membeli asuransi tambahan untuk menutup kerugian yang melebihi jumlah yang dinyatakan atau lebih dari cakupan yang disediakan oleh polis asuransi tertentu dan tentunya premi yang harus dibayar pun lebih besar. itulah macam-macam Jenis asuransi serta manfaat nya semoga bermanfaat.

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Various types of insurance and benefitsInsurance companies make insurance grouping policy in accordance with the focus and the risk for them. This gives a measure of uniformity in risk covered by this type of policy, which in turn allows insurance companies to anticipate potential losses and set appropriate premiums. The most common form of the types of insurance policies:Life insuranceLife insurance provides a financial benefit to the person who is appointed upon the death of the insured. Various forms of life insurance issued. Some provide payments only after the death of the insured, most other insurance companies there could allow the insured to claim the Fund before his death.One can buy life insurance on the lives of themselves for the benefit of a third person. an individual can even purchase life insurance on the lives of others. For example, a wife can buy life insurance that will provide benefits to her after her husband's death. then parents are insuring themselves against the death of children. or conversely of parents buy insurance for her son and life insurance generally offers the advantage given to the 1997 financial beneficiary insurance participants. further clarification we discuss in the next articleHealth insuranceHealth insurance is an insurance product that specifically deal with health problems due to an illness and treatment processes to bear on a member of his or her insurance. Generally includes protecting and bear on the injury, disability, pain, and death due to accident. Health insurance can be purchased for yourself and for others.Vehicle insuranceThe most popular car insurance. i.e. insurance against injury to others or to damage another person's vehicle caused by the insured vehicle. Car insurance can also pay for the loss of, or damage to, a motor vehicle insured. Most countries require that all of the driver or owner of the vehicle has insurance cover is usually all the loss and damage due to accidents are paid by the insurance company, but depends also on the policy the insurance company. Sometimes they just bear some loss of his caontoh in cases of accidents, or where the cost of treatment or repair exceeds the amount of which is set by law.Home ownership and property insuranceA ' homeowners insurance protects homeowners from losses related to their residence, private property insurance protects against loss of, or damage to, the goods of a particular private property. These include protecting and providing relief in the event of an accident in your home such as fire and others.Insurance education.This is one of the most popular types of insurance at this time. insurance education is a smart solution to guarantee a life for the better. for example older people who insure their children's education. the cost of the premiums to be paid by the participants of the insurance depends on the kind of education that want obtained later.There are also business insurance can insure against damage, loss and losses in large quantities to suit the policy. Fire insurance policy covers damage caused by fire, explosion, earthquake, lightning, water, wind, rain, collision, and riots. General Insurance protects the insured against losses, including those related to legal liability, theft, accidents, property damage, accidents, and injuries to workers, as well as credit insurance to others. Credit insurance that protects and regulates the process of borrowing and loan problems in retrieving certain types of creditFor marine Field there is also a marine insurance policy ensuring the carrier and the owner of the cargo sent by sea, ocean or waterway in layari. The risk of sea cargo damage, including damage to the ship, and injured passengers.Air travel insurance provides life insurance benefits to the recipient named if the insured dies as a result of the specified flightMany other types of insurance were also issued. like group health insurance is usually offered by an industry to all their employees. that's some types of insurance are usually provided but one can buy additional insurance to cover losses that exceed the amount stated or more of coverage provided by certain insurance policies and premiums to be paid any bigger. that's what the various types of insurance as well as its benefits may be useful.

Hasil (Inggris) 2:

Various types of insurance and its benefits The insurance company makes insurance grouping policies in accordance with the focus and the risk to them. It provides a measure of uniformity in the type of risks covered by the policy, which in turn allows the insurance company to anticipate potential losses and set premiums accordingly. The most common form of insurance policy types, namely: Life insurance Life insurance provides financial benefits to the person designated for the death of the insured. Various forms of life insurance issued. Some provide payment only after the death of the insured, most insurance companies are others there may allow the insured to claim the funds prior to death. One can purchase life insurance on his own life for the benefit of a third person. The individual person can even buy life insurance on the lives of others. For example, a wife can buy life insurance that will provide benefits to him after the death of her husband. then parents insure themselves against child mortality. or otherwise parents buy insurance for their children and life insurance generally offers the advantage of financially given to the heirs of insurance. further details will be discussed in the next article Health insurance Health insurance is an insurance product that specifically address the health problems caused by an illness and treatment processes to bear on the members of his insurance. Generally include protecting and bear in injury, disability, illness, and death due to accident. Health insurance can be purchased for oneself and for others. Insurance vehicle The most popular car insurance. ie insurance against injury to other persons or for damage to vehicles caused by the other person insured vehicle. Car insurance can also pay for the loss of, or damage to, the insured motor vehicle. Most states require all drivers or vehicle owners to have insurance is normally all losses and damages resulting from accidents are paid by the insurance company, but it also depends on the insurance company's policy. sometimes they simply bear some losses caontoh her ​​in cases of terrible accident, or where the cost of treatment or repairs exceed the amount set by law. Insurance home ownership and property insurance homeowners' protect homeowners from the losses associated with the place their homes, personal property insurance to protect against loss of, or damage to, certain items of private property. This includes protecting and provide relief in case of an accident in your home such as fires and others. Insurance of education. This is one of the most popular types of insurance today. education insurance is a smart solution to ensure life for the better. for example, parents insure children's education. the cost of the premium to be paid by the insurance participants depends on the type of education to be obtained in the future. In addition there is also a Business insurance can insure against damage, loss and the loss of large amounts in accordance with policy. Fire insurance policy covers damage caused by fire, explosion, earthquake, lightning, water, wind, rain, collision, and riots. General insurance protects the insured against various losses, including those related to legal liability, theft, accident, property damage, accidents and injuries to workers, as well as credit insurance to others. Credit insurance that protects and manages the process of borrowing and problems in making certain types of credit for the marine field there is also a marine insurance policy to make sure the carrier and the owner of the cargo sent through the ocean sea or waterway in navigate. Marine risks include damage to the cargo, the ship's damage, and injuring the passenger. Insurance air travel provides life insurance benefits to named beneficiary if the insured dies as a result of the specified aircraft flying Many other types of insurance are also excluded. such as health insurance is typically offered by a group of industry to all their employees. that some types of insurance that are usually provided but someone can purchase additional insurance to cover losses that exceed the stated amount or more of coverage provided by certain insurance policies and premiums must be paid even greater. That kinds of insurance type as well as its benefits may be useful.