Asuransi Menurut Undang-UndangAsura

Asuransi Menurut Undang-Undang
Asuransi dalam Undang-Undang No.2 Th 1992 tentang usaha perasuransian adalah perjanjian antara dua pihak atau lebih, dengan mana pihak penanggung mengikatkan diri kepada tertanggung, dengan menerima premi asuransi, untuk memberikan penggantian kepada tertanggung karena kerugian, kerusakan atau kehilangan keuntungan yang diharapkan atau tanggung jawab hukum pihak ke tiga yang mungkin akan diderita tertanggung, yang timbul dari suatu peristiwa yang tidak pasti, atau memberikan suatu pembayaran yang didasarkan atas meninggal atau hidupnya seseorang yang dipertanggungkan.
Badan yang menyalurkan risiko disebut "tertanggung", dan badan yang menerima risiko disebut "penanggung". Perjanjian antara kedua badan ini disebut kebijakan: ini adalah sebuah kontrak legal yang menjelaskan setiap istilah dan kondisi yang dilindungi. Biaya yang dibayar oleh "tertanggung" kepada "penanggung" untuk risiko yang ditanggung disebut "premi". Ini biasanya ditentukan oleh "penanggung" untuk dana yang bisa diklaim di masa depan, biaya administratif, dan keuntungan.

Contoh Asuransi
Contoh, seseorang membeli rumah seharga 100 juta rupiah.
Setelah dia menimbang bahwa rumah tersebut adalah satu-satunya asset berharga, dan jika kehilangan rumah akan membawa kehancuran finansialnya, maka dia mengambil perlindungan asuransi dalam bentuk kebijakan kepemilikan rumah. Kebijakan tersebut akan membayar perbaikan atau penggantian rumah tersebut jika terjadi bencana. Perusahaan asuransi mewajibkan orang tersebut membayar premi sebesar 1 juta pertahun. Sehingga resiko kehilangan rumah tersebut telah dipindahkan dari pemilik rumah ke perusahaan asuransi.

Hasil (Inggris) 1:

Insurance By LawInsurance in law No. 2 Th 1992 regarding business perasuransian is an agreement between two or more parties, with which the insurer committing yourself to the insured, by accepting the insurance premiums, to provide reimbursement to the insured because of the loss, damage or lost profits expected legal liability or third party that may be suffered by the insured, arising from an event which is uncertain , or providing a payment based upon his life someone who died or dipertanggungkan.The Agency distributes risk called "the insured", and the Agency accepts the risk of so-called "insurer". The agreement between the two bodies is called policy: this is a legal contract that outlines each of the terms and conditions are reserved. Costs paid by the "insured" to "insurer" for the risk borne by the so-called "premium". This is usually determined by the "insurer" for funds that can be claimed in the future, the administrative expenses, and profit.Examples Of InsuranceFor example, someone buying a house worth 100 million rupiah.After he's considering that the House is the only valuable asset, and if losing the House would bring financial devastation, then he took the insurance protection in the form of home ownership policy. The policy will pay for the repair or replacement of the House in case of a disaster. The insurance company requires that the person pay a premium amounting to 1 million per year. So the risk of losing the House has been moved from the House to the owner's insurance company.

Hasil (Inggris) 2:

Insurance Statutory
insurance in Act 2 Th 1992 on insurance business is an agreement between two or more parties, with which the parties committed themselves to the insured person, by accepting insurance premiums, to reimburse the insured for loss, damage or loss of expected benefits or legal liability third party which may be suffered by the insured, arising from an uncertain events, or providing a payment based on death or life of an insured person.
Agency risk that channel called "insured", and body accept the risk of so-called "insurer". Agreement between the two entities is called the policy: this is a legal contract that explains all terms and conditions are protected. Fees paid by the "insured" to "guarantor" for the risks covered by so-called "premium". This is usually determined by the "guarantor" for the funds that can be claimed in the future, administrative costs, and profits. Example Insurance example, a person buys a house for $ 100 million. After she considers that the house is the only valuable asset, and if lost the house will bring financial ruin, so he took the insurance protection in the form of home ownership policy. The policy will pay the repair or replacement of the home in case of disaster. The insurance company requires that person pays a premium of 1 million per year. Thus the risk of losing their homes have been moved from the homeowners to the insurance company.