Asuransi -IKNB | Ekonomi Kelas X (Kurikulum Sekolah Penggerak) | EDURAYA MENGAJAR

Summary

This video introduces the concept of insurance in Indonesia, explaining its history, types, and classifications. It traces insurance back to 1859 during the Dutch colonial era with the founding of PT Asuransi Jiwasraya. The video outlines the definition of insurance as a contract between the insurer and policyholder, detailing compensation for risks like damages, losses, and liabilities. Insurance is categorized by fund management (conventional or sharia), operational purpose (commercial or social), and the type of coverage (general or life insurance). It highlights key industry players and encourages viewers to explore further via the OJK website.

Takeaways

• 😀 Asuransi (insurance) in Indonesia was first introduced during the Dutch colonial period in 1859 with the establishment of PT Asuransi Jiwasraya.
• 😀 Insurance is defined as an agreement between two parties: the insurance company and the policyholder, for compensation in the event of loss, damage, or legal responsibility.
• 😀 The purpose of insurance is to provide financial compensation for losses or damages incurred by the policyholder due to unforeseen events.
• 😀 The two main types of insurance are conventional insurance and Riah insurance, depending on the fund management method.
• 😀 Insurance can be categorized based on its operational goals: commercial insurance and social insurance.
• 😀 Commercial insurance is offered by private or national companies to generate profit for shareholders, whereas social insurance provides social security benefits to the public, typically created by the government.
• 😀 Insurance is also classified into general insurance, which covers property losses and legal liabilities, and life insurance, which deals with financial risks from death or life events of the insured.
• 😀 The insurance industry in Indonesia is composed of insurance companies (general insurance, life insurance, and reinsurance) and supporting entities (insurance brokers, reinsurance brokers, and loss assessors).
• 😀 The primary regulatory body overseeing the insurance sector in Indonesia is the Otoritas Jasa Keuangan (OJK), which provides further information and guidelines on the industry.
• 😀 The video encourages viewers to explore more about insurance through the official OJK website and promises additional videos on other related financial topics.

Q & A

What is the historical background of insurance in Indonesia?

Insurance was introduced to Indonesia during the Dutch colonial period, with the establishment of a life insurance company in 1859 by the Dutch, which is now known as PT Asuransi Jiwasraya.

How is insurance defined according to Indonesian law?

According to Law No. 40 of 2014, insurance is defined as an agreement between two parties, the insurance company and the policyholder, where the insurance company provides compensation to the policyholder for losses, damages, or liabilities due to an uncertain event, or for benefits related to death or survival.

What are the main types of insurance based on fund management?

Based on fund management, insurance is divided into two main categories: conventional insurance and Riah insurance.

What is the difference between commercial and social insurance?

Commercial insurance is offered by private companies, including joint ventures, aiming to make a profit for shareholders, whereas social insurance is provided by the government to offer social security to community members.

What are the two main types of insurance based on the type of coverage provided?

Insurance can be divided into general insurance, which covers property damage and third-party liabilities, and life insurance, which offers protection for financial risks related to the death or survival of an insured individual.

What are the roles of an insurance company and supporting institutions in the insurance industry?

Insurance companies handle general insurance, life insurance, and reinsurance, while supporting institutions include insurance brokers, reinsurance brokers, and loss adjusters.

What is the primary objective of commercial insurance?

The primary objective of commercial insurance is to generate profit for the shareholders of the company.

How does social insurance benefit society?

Social insurance provides social security guarantees to members of society, which is a government initiative to protect individuals from financial risks.

What does a policyholder receive in exchange for paying insurance premiums?

In exchange for paying premiums, the policyholder receives compensation from the insurance company in the form of coverage for losses, damages, or liabilities, or benefits in case of death or survival.

Where can someone learn more about insurance regulations in Indonesia?

For further learning about insurance regulations in Indonesia, one can visit the official website of the Financial Services Authority (OJK).