Existence Reinsurance Institutions in Life Insurance Consumer Protection
Nowadays a lot of disasters befall the people of Indonesia, floods, volcanic eruption of Merapi, landslides, is also undesirable events that occur because of errors other users such as liquefied petroleum gas explosion, fire. All it requires no small amount of funds for recovery to its original state.
Assistance from the government felt inadequate, the money we invested in the Bank's seemingly never enough to make us confident of the continuity of assets we have. Especially in today's times where the government seemed to just give empty promises with no proof, we must find a guarantor of instruments over the whole asset we have.
Insurance is the answer an institution that has actually been around since colonial times and less a place among the people of Indonesia and the new sound its role in public life during the New Order Indonesia. Now this becomes a new trend in the development of modern society in which emerging technologies and institutions all of which require a guarantor for luxury goods needed by the community in supporting the existence of daily activities.
But as time went on insurance growth was not accompanied by satisfactory after-sales service. Lip service from the insurance agents seem to really make sure the policyholders of insurance companies from the insurance agent. Ease of licensing the establishment of insurance companies, coupled with an entrenched culture of bribery that has made all of the terms were actually agreed neglected since colonial times, the requirements of reinsurance institutions in each insurance company has been eliminated, making the standard clause that has violated the social order and harm the public as the party should obtain their rights to premiums paid to insurance companies are like seasonal lending institutions that are only thinking of profit without regard to the rights of policyholders. Everything indicates that the Government needs to do the rearrangement of the insurance institution, as has been done to the banking institutions in the late '90s when there was a wave of rush that led to the banking sector fell. One-stop management organized by the Ministry of Finance felt inadequate because there is no controlling agency of an insurance policy that is run by the Ministry of Finance. There should be institutions such as Bank Indonesia is truly able to perform the functions of supervision and control in a more thorough and comprehensive. The scope of duties of the Ministry of Finance that is too large causes the insurance somewhat lagging development, supervision and growth when compared with the banking world.
Claim procedures that must be filed through the Ministry of Finance to be difficult and lengthy and convoluted. Function properly with the empowerment of the Insurance Council of Indonesia and the issuance of new regulations to give the role of the Insurance Council of Indonesia became an agency in addition to the Ministry of Finance to be a reliable solution to bypass the claims process is long and difficult. Licensing of insurance companies will be well organized and orderly administration meet the specified rules. All of which require substantial time and lengthy process, but if this process had been overcome with good will certainly bring the image of insurance companies in Indonesia in particular and the international image of Indonesia in the world for the better.
Assistance from the government felt inadequate, the money we invested in the Bank's seemingly never enough to make us confident of the continuity of assets we have. Especially in today's times where the government seemed to just give empty promises with no proof, we must find a guarantor of instruments over the whole asset we have.
Insurance is the answer an institution that has actually been around since colonial times and less a place among the people of Indonesia and the new sound its role in public life during the New Order Indonesia. Now this becomes a new trend in the development of modern society in which emerging technologies and institutions all of which require a guarantor for luxury goods needed by the community in supporting the existence of daily activities.
But as time went on insurance growth was not accompanied by satisfactory after-sales service. Lip service from the insurance agents seem to really make sure the policyholders of insurance companies from the insurance agent. Ease of licensing the establishment of insurance companies, coupled with an entrenched culture of bribery that has made all of the terms were actually agreed neglected since colonial times, the requirements of reinsurance institutions in each insurance company has been eliminated, making the standard clause that has violated the social order and harm the public as the party should obtain their rights to premiums paid to insurance companies are like seasonal lending institutions that are only thinking of profit without regard to the rights of policyholders. Everything indicates that the Government needs to do the rearrangement of the insurance institution, as has been done to the banking institutions in the late '90s when there was a wave of rush that led to the banking sector fell. One-stop management organized by the Ministry of Finance felt inadequate because there is no controlling agency of an insurance policy that is run by the Ministry of Finance. There should be institutions such as Bank Indonesia is truly able to perform the functions of supervision and control in a more thorough and comprehensive. The scope of duties of the Ministry of Finance that is too large causes the insurance somewhat lagging development, supervision and growth when compared with the banking world.
Claim procedures that must be filed through the Ministry of Finance to be difficult and lengthy and convoluted. Function properly with the empowerment of the Insurance Council of Indonesia and the issuance of new regulations to give the role of the Insurance Council of Indonesia became an agency in addition to the Ministry of Finance to be a reliable solution to bypass the claims process is long and difficult. Licensing of insurance companies will be well organized and orderly administration meet the specified rules. All of which require substantial time and lengthy process, but if this process had been overcome with good will certainly bring the image of insurance companies in Indonesia in particular and the international image of Indonesia in the world for the better.
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