Pasca Flood, Business Insurance Promise.

Insurance business in this time becoming marak. Society seems have started to comprehend importantly [of] insurance him in life of them. Important [of] insurance him progressively seen when someone befalled [by] accident, like the happening of riot of floods accident or social that happened some times. How in fact growths of insurance business in Indonesia in this time? Then what strive [all] companies of insurance in winning emulation in fighting over client? To [reply/ answer] all that, journalist of SH, Muhammad Nuzulian and of Khomarul Hidayat, degrading report in around growth of national insurance in three article [in] this page;yard.

JAKARTA - Accident (it) is true [do] not desire each and everyone. But who can refuse disaster andaikata like floods roughing up Jakarta some times then disguessfully emerge under very nose. [Do] not counted loss which must be accounted on society effect of disaster. Hence grateful [of] lah, if You which is coincidence follow insurance, needn't busy make a living to for example to improve;repairing damage house or car which is ngadat effect of floods punching. Enough raise claim to company of insurance, You'D get indemnation. Cusorily, people think insurance business will lost ground cause have to pay [for] claim, perhaps in number which by dozens, from [all] his clients. But that happened on the contrary, people enthusiasm [at] insurance [oppositely;also] mount. In risky state situation and hot political temperature [of] floods natural disaster plus [in] Jakarta and a number of fatherland regions, making people and or perpetrator of[is effort strarting to peep at insurance as alternative choice to lessen loss at the risk of which is is possible to be faced later.

Of course this opportunity for perpetrator of insurance business to net new client. Economic situation which not yet good, seems [do] not too influence people enthusiasm follow insurance, important can indemnify if something undesirable happened [in] time came. basin of Gayung greet, company of insurance even also do not willing to only awaiting client candidate come. They also more proaktif and strong in idea offer his product. But is it correct that people enthusiasm [at] high suransi more and more? Director Star of General Insurance, Djunaidi Mahari tell, (it) is true there [is] improvement of new client, even not yet too which step into the company of after floods accident [in] Jakarta. This Improvement is forerunner ( positive signal) for insurance business, because strarting there [is] awareness of society [regarding/ hit] importantly [of] insurance him. “ Floods accident yesterday, this have implication which are positive to people enthusiasm to enter insurance. There [is] which after seeing others get indemnation of company of insurance, then later;then interest to follow insurance,” say Djunaidi.

New Client [of] Matter Tone submitted [by] Liaison of PT Insurance Service Indonesia ( Jasindo), Goddess Praise Astuti expressing, sure floods paska [of] influence of [at] improvement of new client or at least old client re-lengthening insurance policy him. But in fact, according to Goddess, society enthusiasm to insurance have experienced of the make-up of since riot tragedy 1998 ago. “ Make-Up of that new client surely exist, [is] not since just floods but have since there [is] riot some last year,” he said. See above condition, many companies of optimism insurance that this insurance business still very promise [in] future. Even emulation becoming tighten, but potency to expand big also. This matter seen from earnings of premium from both company of natural the insurance [of] improvement per annum. PT Jasindo for example, premium meraup equal to Rp 618 milliard [at] 2000, one year later;then mount to become Rp 1,4 triliun. Whereas Star of General Insurance, like told [by] Djunaidi Mahari, [at] period of just Januari-Maret 2002, earnings of premium have mounted until 24 [gratuity/ %] compared to [is] same period [of] year before all. Facing tight emulation, word of Djunaidi, company of insurance shall [be] strengthen the quality of the product of [so that/ to be] can vie with product of other company. In Consequence, Star of General Insurance beside have conventional product, also have pre-eminent product. this Pre-Eminent product becoming tip of lance to rake in new client. Pre-Eminent product [of] Star of General Insurance is Perisay is special product for the retail of. This Perisay consist of Perisay its contents and house, Car Perisay and of Perisay health. That way also PT Jasindo which during the time eksis till corporation farm, in two latter year also start market merambah of retail, of course

Claim Floods Floods for a number of companies of insurance not merely delivering opportunity rake in new client, but at the same time also have to go out money to pay [for] client claim. Djunaidi tell, even claim which enter in gross, but do not bother flow cash companies of his insurance. His section, at the (time) of is at the same time made balance to with improvement of clients amount and improvement of earnings of premium. [In] Star of General Insurance, continue Djunaidi, total [of] claim effect of floods which enter until March 2002 reaching Rp 28 milliard, [about/around] 60 [gratuity/ %] of claim come from corporation client, middle client the rest downwards. “ From that amount, which become our responsibility equal to Rp 3,3 milliard, insurance responsibility the rest,” clear [of] him. Whereas, Goddess Praise Astuti of PT Jasindo tell, client claim which step into PT Jasindo as tired floods disaster effect [about/around] Rp 70 milliard, and that [is] not at all bother company flow cash, considering [at] yrs. before all got [by] premium [is] PT Jasindo spelled out members big. “ That newly claim which enter and not yet been [done/conducted] [by] research, because each;every insurance claim have to check beforehand what is amount of according to or [do] not,” say Goddess.

Still Promise Even the condition of economics not yet returned convalesce, optimism insurances businessmen remain to industrial [of] insurance will expand. Entry of a number of foreign investors (it) is true cannot be considered unimportant. But is such as told [by] Djunaidi Mahari, made ready local investor to compete more than anything else knowing precisely insurance market in Indonesia is [all] local investors. Djunaidi [do] not later, that macro condition [of] economics which not yet stabilized more or less will have an in with insurance business. If bank [do] not give new loan or channel credit to real sector, growth of insurance effort also will affect. “ Because if real sector walk, requirement for insurance also mount. But bank now seen to be have started to channel his credit. This the impact of nicely for insurance business,” add him.