INSURANCE WORKERS: Social Security coverage for informal workers prepare

JAKARTA: PT Ministry of Social Affairs and Social Security signed a memorandum of understanding on Social Welfare Insurance.

Memorandum of Understanding (MoU) between two agencies that will provide social protection for workers outside the employment relationship with the help of contributions (premiums) Social Welfare Insurance.

Social security programs will be given to informal sector workers for 2012 is a work accident insurance program (JKK) and life insurance (JK).

"The calculation of basic earnings premium to the working poor informal sector participation is set at Rp 800,000," said president director of PT Jamsostek Hotbonar Sinaga on the sidelines of the signing of the MoU on Monday (9/7).

He stressed the social security is social protection to ensure that all people in order to meet the basic needs of life they deserve.

With the function of providing premium is expected to increase the number of informal sector workers or workers outside the employment relationship have the protection of employees' social security programs such as the 1945 Constitution.

Meanwhile, Director General of the Ministry of Social Protection and Social Security Dulung Andi ZA, said that this year goes to social welfare insurance program in PT Jamsostek.

"Next year we propose a much more perfectly matched with the Indonesian people, especially those for informal workers are poor," he explained.

In terms of Life Insurance.

Heirs: Name of person listed in the policy to accept compensation in case of death of the insured.
Application: This form must be filled by the candidate and the candidate Insured Policyholder protection when applying for insurance to the underwriters.
Life Insurance: A system of protection in the form of risk transfer from one person (the insured) to the Insurer. Insurers agree to pay a benefit upon the insured risk if the Policyholder agrees to pay the premium amount is determined by the Insurer and has met all the requirements of the Insurer.
Lapse: Loss of the benefit / protection insurance policy premium payments ceased due to or exceed the period of payment flexibility.
Receipt: Proof of payment received by the policy holder premium payments have been made and evidence that payments have been recorded by Sequis Life.
Lapse Notification: Notification in writing of the Insurer to the policy holder that the policy has lapse.
Probation (Contestable Period): The period of two years in which the Insurer has the right to question or investigate the accuracy of the information / data provided the insured or policy holder in a letter of application to determine the subsequent decision on the policy contract.
Minor: A person who is under age, ie under 21 years old and unmarried.
Policyholders: What entered into an agreement with the Insurer. Policyholders should not always be insured.
Recovery: The return status of the lapse to inforce policyholders to recover the benefit / return guarantee of protection.
Insurer: Insurance company that provides insurance protection through agreements in insurance contracts.
Policy: A written document issued by the Insurer that the insurance agreement between the Insurer and the Policyholder and legally valid.
Orphan Policy: Policy is no longer active agent.
Active Policy / Inforce: Insurance Policy where premiums are paid on time or fully paid.
Automatic Premium Loan (APL): an automatic policy loans taken from the Cash Value Policy (as long as sufficient cash values) to pay off the unpaid premium until the end of their discretion (not applicable to Unit Link Insurance Policy).
Premium: A sum of money specified in the policy to be paid to the Insurer for a number of benefits listed in the insurance contract.
Premium Notice: A letter of notification from the Insurer to the Policyholder the amount of premium due soon.
The premium-free policy sum assured is reduced / Reduced Paid Up (RPU): Changes in the sum assured in accordance with the Cash Value is necessary so that the premium payments that will come in and kind of turned into Insurance Endowment insurance (endowment).
Regular premium policy: A policy that requires periodic premium payments (monthly,  Semi-Annual, Annual).
Rider (additional benefits): rider is an additional benefit that can be included in a basic insurance program. This benefit is designed to provide additional financial protection at lower cost.
Single premium policy: a policy that requires only one premium payment is made in advance.
Surrender: The sale of the policy to the Insurer of the Cash Value was formed at the time of the sale of the policy carried out.
Insured: The person that life / health insurance covered under the Contract.
The Beneficiary: A person or institution named in the policy as the party entitled to receive the sum insured if the insured died.
Top-up: the addition of investment funds.
Sum Insured (Face Amount): Sum Insured stated in the policy page that will be paid in the event of death or other conditions of the policy is paid at the coverage period ends in accordance with the kinds of insurance are taken. Does not include an additional amount to be paid to other special provisions.

Why is insurance important?

Insurance and risk
Insurance was closely related with the smells of all kinds of risks. These risks can occur anytime and anywhere without being able to advance in the prediction, so many people who find it difficult to anticipate the risks that occur. The nature of risk itself can not be eliminated or avoided, but the impact of the risk can be minimized by transferred to the insurance. In this way then one can minimize the risk of a financial loss arising.
Diversification of risk
Can function as an insurance risk transfer, it is appropriate to the function of insurance itself where the individual or group of people can avoid a greater risk of loss by altering the risk of loss to a party to 2 (ie, insurance) to be borne, in which individuals or replace it with a group of people are paying the risk tersebutdengan a smaller number of losses (premiums) to the insurance.Some examples of that if anyone at risk of critical illness that requires a huge cost in such treatment, this will affect a person's financial therein due to unexpected expenses that resulted in disruption of the person's financial value, and therefore this risk can be transferred to the insurance, then the insurance will pay the cost of such treatment.
Keeping the wealth of a risk
But how risks are not insured? This will greatly affect adversely the financial risk of a person at the time had come. The occurrence of a financial risk can disrupt a person who will have an impact on changing the person's lifestyle. Risk due to the change of lifestyle can lead to lower standard value of a lifestyle. Impairment standard lifestyle is often the case this can give negative effects, where the discomfort one must change lifestyle patterns to a lower level. It is unfortunate when a person should have to give up some of his dreams disappear just because of the risk occurring. There is therefore a good idea before it came risks, one has to anticipate these risks to divert them to the insurer. So if the risk arises, one does not need to worry about the decline in standards of lifestyle or lose his dream.

The types of risks that affect financial
Economic risk
Economic risk is one risk that is often encountered and rarely can be avoided by anyone. Office employee or an entrepreneur always forget the main function of private insurance. This is because insurance is not a priority for them. For an employee, they felt it was safe because it was covered by insurance facilities for an entrepreneurial company while they are more concerned with the development of their business regardless of the insurance function.
Economic risks are risks that should be avoided and be aware of all walks of life. For an employee, the economic risks such as inflation or a collapse of the economy of a country could lead to rising unemployment or often hear the term layoffs. Ordinary person in a state of unemployment have a higher risk, this is because there is no longer active income revenue. Besides, the discharge or termination facilities provided by the company providing for the misfortunes that have laid off employees. But if at the time of these risks appear this will really be a burden to the person.
An entrepreneur can also experience the same thing happens when the economic downturn in a country. Business they will have difficulty in doing market penetration resulting in their revenues go down, or even a loss occurs. This situation was not favorable to the owners of the entrepreneurs who never thought about insurance as risk transfer to a state that does not want. So that it appears only if the risk will increase the burden of costs for an entrepreneur.
Therefore it is better to have an employee or self-employment or private insurance so they will feel more secure and comfortable without having to be afraid of these risks.
Technology risk
Increasing advances in technology sometimes makes one's daily activities. But besides that technological advances have provided an increased risk for users as well as the surrounding environment. As technologies such as kitchen appliances, electrical or equipment that we use daily are at risk without realizing the risks. As examples of risks that are often found in technology are resulting in gas leakage which there is a risk, or short electric current, or dysfunction is also operational on means of transportation as often happens these days. Some of the mentioned technologies are technologies that can not be separated from our daily lives and it is impossible to leave. Basically this is some risk can be predicted from the beginning but rarely ignored by the surrounding environment. It would be very dangerous and harmful if we keep ignoring this situation continues without taking any action. This should be a reference to minimize the risk of large losses by way of transfer to the insurer before the risk occurs.
The risk of human error
The risk of human error is the most common risks around us. This is caused by the negligence of someone that can result in risk to yourself and everyone around them. Some of these omissions may occur due to physical condition or lack fokusan person to perform a task. Examples of risk of human error that often occur around us every day is like driving a car, a lot of human error that occurred such as drowsiness during driving, exceeding speed limits or lack of concentration in the drive. It can cause risk of injury to themselves and to the surrounding environment. The risk that one is very difficult to predict or in anticipation before because we can not control what happens in the environment around us.
Risk maturity
This risk is often referred to as natural risk, or aging caused by someone age. This risk can not be avoided because it is absolute and must come. The average risk of popping when one is above the age of 45 years. These risks arise due to the various aspects of the irregular pattern of life at a young age, the risk of job, or weakening physical condition. Basically, if a risk situation has arisen, it would be very difficult to accept the insurance company can transfer the risk, or an acceptable cost to be paid very expensive. There is therefore a good idea before the risk occurs, someone turned it to the insurance.

Once we maenyadari some risk above, it would be very hard for us if it can not minimize the losses that arise, because most of these risks can not be in control or in the prediction of the coming time. Therefore, prior to such risks arise, someone had to be transferred to the insurer in order to minimize the losses incurred.

Why do we need to insure ourselves?

Why do ya have to have private insurance? hmm is his simple answer:

1. By owning life insurance, so I had to give food for my family when I was exposed to natural risks, which the insurance company will pay a sum of money (the sum assured) to my heirs, in this case my family. The money can be used for living expenses for my family. So there should be no sense of anxiety in me because my family was safe from the financial problems that occur when there is a risk.
2. If I had a physical disability and can not work anymore, I will also get a sum of stock life insurance company for me and my family.

Or it could be the event:

1. When I was diagnosed with a critical illness, the insurance company will pay some money for my medical expenses. So I do not have to worry anymore with the financial problems.
2. Admitted to hospital. So that it can inhibit revenue which I get not to mention the cost of his hospitalization. But this is not a problem because the cost could be covered by insurance companies. But as a small note that the amount of money that is replaced is not necessarily 100%, depending on the product and contract sum agreed in the insurance contract.

Insurance Law In Islam

Insurance Law in Islam is different from one species to another, as for the details as follows:

First: Insurance Ta'awun

For ta'awun insurance allowed in Islam, the reasons as follows [5]:
    Ta'awun including tabarru insurance contract '(voluntary donation) which aims to work together in Playing the distress, and took part in the responsibility in the event of a disaster. The trick is that some people donate some money allocated for compensation for people affected by the loss. Ta'awun insurance group is not aimed at commercial and profit from someone else's property, but only aims to alleviate the threat of harm that would befall them, and cooperate in the face.
    Ta'awun insurance is free of riba, usury fadhal good, or usury nasi'ah, because there are no elements of riba akadnya premiums collected and invested in the institution is not a member of the smell of usury.
    Ignorance of the participants about the exact amount of insurance compensation to be received is not something that is influential, because in essence they are the donors, so here is an element of speculation, uncertainty and gambling.
    The existence of insurance or representative of some participants who invest the funds collected for participants to realize the goal of establishment of this insurance, either voluntarily, or with a specific salary.

Second: Social Insurance.

So is the law of social insurance is allowed for the following reasons:
    Social insurance is not included mu'awadlah contract (purchase), but it is a partnership to help each other.
    Social insurance is usually carried out by Government. The money paid by members are considered as tax or fee, which will then be invested in government to cope with the disaster, catastrophe, when suffering from pain or help in retirement and old age and the like, which in fact it is the duty and obligation of the Government. So in this contract as there is no element of usury and gambling.

Third: Business or Commercial Insurance

As for the Commerce Insurance is haraam. As for the arguments diharamkannya Insurance Commerce (Business), among others, as follows [6]:

First: Business Insurance Agreement is included in the contract agreement that financial compensation is speculative, and therefore contains an obvious element of gharar. Because the participants at the time of the contract do not know exactly the amount of money that will give him and he would receive. Because it may be, after once or twice to pay dues, an accident that he was entitled to rations promised by the insurance company. But sometimes there is never an accident, so he paid the entire amount of dues, but did not get anything. Similarly, the insurance company can not set the amount to be provided and to be received from each contract separately.

Second: Business Insurance Agreement including a form of gambling (gambling), because it contains elements mukhatarah (speculative risk-taking) in compensation money, it also contains (al ghurm) harm one party without errors and without cause, and an element of profit-taking without compensation or in exchange for the unbalanced. Because the participants (insurance recipients) sometimes new insurance fees to pay once, then a crash, then the company was forced to bear the loss because they have to pay the total amount of insurance without reward. In turn, may be no accident at all, so that the company take advantage of the entire premium paid all participants free of charge. If there is uncertainty like this, then this contract including the forms of gambling are prohibited by Allah swt

Third: Business Insurance Agreement that contains elements of riba and riba nasi'ah fadhal once. Because if the insurance company pays compensation to the participant (receiving insurance services), or to his heir in excess of the amount of money they had deposited, meaning that fadhal usury. If the insurance company pays it after a while, then it includes nasi'ah usury. If the insurance company to the customer only pays for which he deposited, meaning that only usury nasi'ah. And both types of riba has been prohibited by the texts and the consensus of the scholars.

Fourth: Financing Agreement also contains elements of Rihan (bets) are forbidden. Because it contains elements of uncertainty, fraud, and gambling. Shari'a does not allow bets unless the benefit of Islam, and raised syiarnya with proof and weapons.

Insurance is not included in that category, not even close at all, so forbidden.

Fifth: Financing Agreement is included to take the property without compensation. Taking property without compensation in any form is forbidden commerce,

Sixth: Business Insurance Agreement requires that an element of something that is not required by the Personality '. Because the insurance company never created the danger and was never a cause of danger. That there is just a form of agreement to the participants receiving the insurance, that company will be responsible for hazards that may be happening, in return of the amount of money paid by the participants receiving insurance services. Yet here the insurance company did not do any work for the service recipient, then the act is clearly unlawful.

Best Vehicle Insurance Adira Indonesia

Adira Insurance is a company engaged in the insurance of vehicles, Adira established in 2002 so it can not doubt its credibility, because it was almost 10 years Adira faithfully serving the owners of vehicles in Indonesia.Best Vehicle Insurance Adira Indonesia
Adira since almost 10 years standing, has received dozens of awards.And in the year 2011. Adira again get 12 awards:

• Ranked First "Indonesia Customer Satisfaction Award 2011" for Autocillin category Car Insurance (Frontier & SWA Magazine)"Great Performing Brand in Social Media 2011" for Autocillin. Social Media Awards 2011 Award categories Car Insurance (Frontier & Digital Marketing Magazine)
• Ranked First "Great Performing Websites 2011" for www.asuransi.adira.co.id. Digital Marketing Awards 2011 Award category Vehicle Insurance (Survey One & Digital Marketing Magazine)
• "Service Quality Gold Award 2011" To Autocillin, Category Car Insurance Services (Carre & Service Excellence Magazine)
• "Top Brand Award 2011" for Autocillin, Car Insurance Category (Frontier & Marketing Magazine)
• Ranked First "CALL CENTER AWARD 2011" Call Center predicated 'Excellence' category Car Insurance (Magazine Service Excellence)
• "Word of Mouth Marketing - Most Recommended Brand 1st 2011" for Autocillin, Car Insurance Category (Onbee Marketing Research & SWA)
• Ranked Excellence in "Indonesia's Most Admired Company (IMAC) 2011" (BusinessWeek Magazine in cooperation with Frontier Consulting Group, June 2011)
• Ranked First "The Best Insurance Company in Indonesia 2011" for the category Equity in Upper Rp 250 billion (Insurance Media Magazine, June 2011)
• Ranked First "Best Insurance Company in 2011" for the category of General Insurance Beraset above Rp 1 trillion (Investor Magazine, July 2011)
• Ranked First marketeers Award "Indonesia Brand Champion 2011" for Adira Insurance (Autocillin) The category of Best Customer Choice Car Insurance (marketeers & Markplusinsight Magazine, July 2011)
• "InfoBank Insurance Golden Trophy Award 2011" for the performance of "Very Good" for five consecutive years for the category of General Insurance (InfoBank Magazine, August 2011).

Services / Service provided AdiraOne service is the mainstay of Adira Autocillin. Adira seeks to provide a "drug" as a remedy for the vehicle. But not just for your vehicle alone, or financial value, more than that, Autocillin provide a remedy for liver disappointment and discomfort that you experience when disasters occur.
Just in the last month of March 2011 Autocillin service gets 2 awards, namely:

• "Top Brand Award 2011" for Autocillin, Car Insurance Category (Frontier & Marketing Magazine)
• Ranked First "CALL CENTER AWARD 2011" Call Center predicated 'Excellence' category Car Insurance (Magazine Service Excellence)

It is not wrong again if called Adira Indonesia Best Vehicle Insurance

Source : Antara

Myths about insurance

Many misleading myths that circulate in the community about the insurance. This is some of them. This list will always be our updates every time we find another mitos2.

Myth: If I take life insurance, it means I do not believe in God's protection
Answer: When we left the car / house, whether we locked the door or not? If we believe in the protection of God, of course, we do not need to lock the door at all, because God will take care of us. God gives sense & mind to man so that man could think. Just as God gave the intellect that we will lock the door of the car / house when leaving and not God as keepers at home / your car, then God also gave us minds so that we can protect ourselves from things that are unforeseen by taking protection insurance and do not blame God when things happen that are not in want.

Myth: Insurance claims difficult, and often do not pay.
Answer: If insurance claims difficult and complicated, then the insurance business would continue to shrink because no one else would insurance. In fact the insurance business continues to grow each year. Why not pay life insurance claim can be read here

Myth: Participatory life insurance that means I would die soon.
Answer: If all life insurance customers promptly died shortly after take insurance, the insurance company would have been bankrupt long ago, because of how the customer can pay claims whose value is not comparable to the premium paid. Precisely the fact remains most insurance customers long-lived because in prayer by all employees and insurance agent, so the next year and the next tahun2 customers can continue to pay insurance premiums so that they all still work and the salary by the company

Reason not to pay life insurance claims

Felt cheated by the insurance company because of your claim is rejected? This article is made to customers & potential customers know what can make your claim is rejected and prevent harm to customers
Generally, denial of insurance claim payment in because
 1. Customer dishonesty.
Many people have realized the importance of insurance when already in jangkiti serious diseases like cancer, heart, etc.. If the customer fill out an honest SPAJ (Application for Life Insurance) diseases that are in misery, it would be rejected because the insurance company is not a charity.If the customer claims due to accidents or other issues outside of his illness is, of course lie will not be revealed, but in the event of a claim (illness / death) because the disease is, of course, lies will be uncovered and the insurance company the right to refuse payment of claims.
2. Dishonesty agent.
Many agents simply chasing sales targets and commissions, so they are reluctant to explain at length about the products on offer, apart from being able to create a sales cycle becomes longer, too risky to buy off potential customers.Even in some cases, agentlah which encourages customers to be dishonest. I've experienced myself when getting a prospective customer has a doctor diagnosed a deadly disease. Prospective client has been rejected by some insurance companies, and only one company that received since agentnya provide advice to not include the diagnosis.Dishonesty agent can also be in the form of promises that are not listed in the policy. That's why customers should be willing to take the time to read policies and match them with the words of the seller agent. If there is not in the know, try to ask the seller agent. If the negative attitude that you do not even try to understand the content of policy, then you need to question the motivation of the agents.
3. Because the exclusion in the policy
Many of the agents (the honest ones) pengecualian2 negligent in explaining that there is in the policy. Explained or not by the agent, read or not by the customer, the exception still applies, meaning that if your claim included in the exceptions, then do not be angry if your claim is rejected. For those of you who already have an insurance policy, read and understand the existing pengecualian2 now, so you are not disappointed later.
4. Because insurance companies are not bona fide
Life insurance is a long-term contracts, in many cases, new claims came after a few tens of years as a customer. Therefore, choose a company that is reliable, and to facilitate you, every year as investors and Infobank magazine published the rating of insurance companies. Although the ratings are not a guarantee, but at least help you to make decisions.

All Risk Insurance

The term all risk in the insurance world is not really appropriate, because all risk means any risk, so that the impression of all the risks in liability insurance, the insurance while in reality there are always exceptions.

There are so many disputes when an insurance claim because the customer had never read the policy on receipt, or the agent never explained the exclusion.

Many of the reasons why the agent never (or even unwilling) to explain the exceptions in the policy, the agent may not know about the exceptions that exist or may also be because the agent worry you will not be buying an insurance policy after being explained all of the exclusion.

Whatever the reason the agent did not explain, you still have to read and understand that there are any exceptions, because of ignorance of such exceptions will not render the exclusion void.

Our hope this article can open your insight about the world of insurance because by knowing there are exceptions, then you will not be disappointed and blame the insurance company if your insurance claim is rejected because it included in the exemption.

Tips How to Spend Less on Health Insurance

Health Insurance is imperative to your daily savings and expenses. It’s possible to fall ill at any unexpected time, causing misery and most importantly, if you are not covered with any health insurance plan, it may prove to be quite expensive on the pocket. Economy isn’t good these days. Every penny saved goes towards your savings, and can help you better prepare for your future. If a situation arises where you stand compelled to invest this money, especially for health reasons, it can surely upset your balance. Lowering your expenses is highly important. One of many easiest ways in order to save money is through getting an insurance package to safeguard yourself and your family at times of need.

Most people often find it expensive to opt for a health insurance. They are of the notion which they would rather spend this money if any ailment arises. If you are a average ordinary person, consider a time in per month where you have just paid your monthly bills, had your mortgage settled out, and are just pleased with the way everything has turned out. But things may go wrong if you fall ill all of a sudden. Remember, we set apart an amount of money its our expenses except for health related issues. It’s not uncommon. People have a tendency to save money on literally everything, but simply couldn’t afford to save a few hundred dollars for his or her own health.



Health Insurance may not be as expensive together would think. Over time, various medical health insurance companies have evolved with interesting medical and health insurance packages that are easier about the pocket, even while providing high quality service. Unlike the prior days, we are provided with an opportunity to compare and select different health insurance and life insurance packages that attract us one of the most. Now for a few hundred dollars per month, you can insure all of your family against unpredictable circumstances and provide them with quality treatment facilities. Match it up to the actual costs that could be incurred during some certain illness. We are referring to thousands of dollars saved. You are able to compare and obtain free quotes on several health, life, medical along with other insurance plans from Health Insure Direct.

HSA or Health Savings Account is another option of saving money on health insurance. HSA lets you gain the full advantage of health insurance plans, and in addition provides you with competitive tax benefits. HSA is much more like a checking account, where you are necessary to invest a few hundred dollars monthly. You’ll get a fixed interest about this money, and also the money being invested in HSA is absolutely tax free. Also, there is nothing known as maturity from the insurance plan, and you may withdraw any amount of money to your medical expenses out of your HSA anytime you want. All you will require is to repay the deficient amount in the subsequent monthly premiums. Health Savings Account is just one more reason to save money for the extra needs.