Ini Asuransi di Indonesia

Asuransi di Indonesia

Ini Asuransi di Indonesia

Jambiflash.com - Menurut OJK (otoratis jasa keuangan) RI, asuransi ialah perjanjian antara perusahaan asuransi dan pemegang polis yang jadi dasar bagi penerimaan premi oleh perusahaan asuransi sebagai imbalan untuk :

a. memberikan penggantian kepada tertanggung atau pemegang polis karena kerugian, kerusakan, biaya yang timbul, kehilangan keuntungan, atau tanggung jawab hukum kepada pihak ketiga yang mungkin diderita tertanggung atau pemegang polis karena terjadinya suatu peristiwa yang tidak pasti;atau

b. memberikan pembayaran yang didasarkan meninggal atau hidupnya tertanggung dengan manfaat yang besarnya telah ditetapkan dan/atau didasarkan pada hasil pengelolaan dana.

Usaha perasuransian merupakan kegiatan usaha yang bergerak di bidang:

a. Jasa pertanggungan atau pengelolaan risiko.

b. Pertanggungan ulang risiko.

c. Pemasaran dan distribusi produk asuransi atau produk asuransi syariah.

d. Konsultasi dan keperantaraan asuransi, asuransi syariah, reasuransi, atau reasuransi syariah, atau

e. Penilai kerugian asuransi atau asuransi syariah.

Usaha perasuransian dilaksanakan oleh:

1. Perusahaan Asuransi:

a. Perusahaan Asuransi Umum, adalah perusahaan yang memberikan jasa pertanggungan risiko yang memberikan penggantian karena kerugian, kerusakan, biaya yang timbul, kehilangan keuntungan, atau tanggung jawab hukum kepada pihak ketiga yang mungkin diderita tertanggung atau pemegang polis karena terjadinya suatu peristiwa yang tidak pasti.

b. Perusahaan Asuransi Jiwa, adalah perusahaan yang memberikan jasa dalam penanggulangan risiko yang memberikan pembayaran kepada pemegang polis, tertanggung, atau pihak lain yang berhak dalam hal tertanggung meninggal dunia atau tetap hidup, atau pembayaran lain kepada pemegang polis, tertanggung, atau pihak lain yang berhak pada waktu tertentu yang diatur dalam perjanjian, yang besarnya telah ditetapkan dan/atau didasarkan pada hasil pengelolaan dana.

c. Perusahaan Reasuransi, adalah perusahaan yang memberikan jasa dalam pertanggungan ulang terhadap risiko yang dihadapi oleh Perusahaan Asuransi Kerugian, Perusahaan Asuransi Jiwa, Perusahaan Penjaminan, atau Perusahaan Reasuransi lainnya.

2. Penunjang Usaha Asuransi:

a. Perusahaan Pialang Asuransi, adalah perusahaan yang memberikan jasa keperantaraan dalam penutupan asuransi atau asuransi syariah dan penanganan penyelesaian ganti rugi asuransi dengan bertindak untuk kepentingan tertanggung.

b. Perusahaan Pialang Reasuransi, adalah perusahaan yang memberikan jasa keperantaraan dalam penempatan reasuransi dan penanganan penyelesaian ganti rugi reasuransi dengan bertindak untuk kepentingan perusahaan asuransi, perusahaan penjaminan, perusahaan reasuransi.

c. Perusahaan Penilai Kerugian Asuransi, adalah perusahaan yang memberikan jasa penilaian terhadap klaim dan/atau jasa konsultasi atas obyek asuransi yang dipertanggungkan.

Di Indonesia, saat ini yang paling banyak digunakan asuransi kesehatan dalam bentuk BPJS Kesehatan dan asuransi pekerjaan dalam bentuk BPJS Ketenagakerjaan.

BPJS Kesehatan atau Asuransi Kesehatan

BPJS Kesehatan ialah singkatan dari Badan Penyelenggara Jaminan Sosial Kesehatan, satu lembaga resmi pemerintah yang khusus mengurusi jaminan kesehatan masyarakat Indonesia.

Baca selengkapnya Asuransi

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The Red Flags about Cat Heath Care

The Red Flags about Cat Heath Care

Owning a cat and treating it as a pet requires more than including your furry friend on your monthly budget. You have to be an instant parent once you become involved. You have to know their basic needs and all there is to understand about cat health care.

First, in order for your feline companion to be happy and contented, you need to provide them a home. Yes, it can be left to wander about your own house and treat it like their kingdom. But you have to make sure that the surrounding is safe. Do not hang about things that would cause injury and further mishaps to your cats.

Second, make sure that your cat gets the necessary nutrition that it needs. To do so, you have to give them only the best kind of cat food. The best will not necessarily mean expensive. You can ask your vet for recommendations given the amount that you can allot for this purpose.

And lastly, think about your cat health care. This is so vital because if you were caught unaware of a sudden incident, you may easily lose you beloved pet just because you didn't know what to do.

So know your cat. Observe it well. Know their usual interests, the way they eat, they way they interact with the other pets and also the people in your house. If you feel that something seems to be out of place, then call your vet immediately for advice.

So find a veterinarian nearest your place and get their contact information immediately. They are your lifeline whenever your cat's life seems to be in danger.

You will be the first judge if something seems to be wrong with your cats. Here are some indications.

Grooming Style

These creatures are known to be vain. They are always grooming themselves. If they are grooming too much on one side, they might be bugged by something like, yes, bug or fleas. The process may hurt them. So interrupt and act upon it. 

Also beware if they are no longer cleaning up on their own. It may be a sign of depression. You also have to consult the vet about it if this happens.

Eating Style

If you know your cat very well, you will easily see if there are any changes to their eating habits. Don't let them go through the day without eating too much. This may be a symptom to something else. So this is also a good time to call on your vet.

The Behavior

If your cat is friendly and it all of a sudden becomes aloof, you need to raise the alarm level. This also goes with the way your cat walks. If it seems to be doing this thing just a bit too odd, it may be something to be concerned about.

As the owner, you need to be very cautious with everything that your cat does. You have to take note of their vowel elimination. Just like humans, they may sometimes suffer from diarrhea or the likes. 

Although calling the vet is always the best choice for you to do, you can also search the web for quick solutions to minor problems. The Internet offers a vast resource for your every cat health care question. So take time to read some info and apply it on your own pets.(red)

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The Proper Care for Cats

The Proper Care for Cats

Just like us, cats have needs and their needs must be provide especially if you have them as pets. Their needs are just normal when it comes to the basic and as well as material. What matters most is the affection and care you share for these animals. When they feel that you are sincerely taking care of them, they would really feel it.

What do cats need?

The following are the things cats needs for better growth and development:

Cat food

Cats could be very greedy but you have to watch their diet. There is this right amount of food. When cats are younger than 12 weeks, they need to have 4 small meals but when they grow as old as more than 12 weeks; you could gradually trim down the number of meals to 2. Water must also be provided but milk is not encouraged for it would only cause diarrhea to cats. Feeding them with grass from time to time could also help out in their digestion of food.

Cat belongings

There are items you need to provide to your cat that would surely make it feel the comfort and in effect these things are sure help for you to have a clean and orderly home. One of the most important things you have to provide is the litter container. Well, cats may be clean animals but just to make sure, you place a litter container for your pet to use. This would let you overcome having a smelly home.

A post to scratch is another thing that must be provided by the pet owner. This would let the home furniture stay away from the scratches of cats when they are growing their nails.

Cat grooming

They also need to look good. Proper grooming must be given to cats. When they feel pampered, they would radiate it and echo it to you. When your cat is long-haired, see to it that you comb the hair daily and give your pet a generous bath from time to time. When your pet is short-haired, just see to it that you get rid of fleas and other parasites. They have to remove as much as possible for they may also go and stay in your belongings at home like carpets and others. Tooth brushing is also very hygienic.

These three important points must really be remembered for they would definitely make your cat pets live the best life with your care and your affection that they may also return the kindness back.(red)

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Taking Care of a Three Legged Cat

Taking Care of a Three Legged Cat

Ever dreamt of becoming a pet owner? How about taking care of a three legged cat? If you are serious about caring for a feline companion, you have to be ready for any comeuppance. 

Being a care giver to a normal cat is also not as easy as you think it is. Responsibility comes with hard word, practice, learning and applying all those to the way you do things. But with a three legged cat, everything must be done with extra cautiousness and care.

If you know your pet's peeves, you might as well double the effort of avoiding such if you are taking care of a three legged cat.

The Pet's Peeves

More than the purring or meowing, you should be able to identify the body language of your cat to its mood. You must take note of the mood changes. What seems to be simple to you may already be a sign of something worse. So be in the know. And don't be the last to find out.

What are the things that may upset your feline friend? By taking extra care with such pet peeves, you will make your cat's life happier and more comfortable.

The Litter Box

Cats have very good eyesight. But they have better sense of smell. And they don't like anything that stinks. So watch out for those litter boxes. If you don't keep them maintained, your pet may opt for the laundry basket that smells a lot better.

You cat can smell 14 times better than you do. So you really need to do extra effort on the cleaning part. Because what may be good to you may still smell foul for your pet. Sounds like a lot? Just think of it this way. You will be doing your home a great favor. You will be doing your share to make the place smells nice and clean for your furry companion.

The Horror Medicine

Cats don't like the taste of most of their meds. But as their owner, you know that you can't do without it. So you have to find ways that your cat will be able to take the medicines without causing you too much trouble.

They particularly don't like those in tablet and capsule forms. Such meds can stay in their esophagus for five minutes or longer that may cause to more serious trouble. So take this task seriously. Ask your vet for suggestions on how to do so.

The Food

Watch out when you give your cats their food. Make sure that they don't eat spoiled food. It will cause you a lot of trouble because your cats are sensitive to such.

Petting Styles

You have to take note of your petting styles. Being too aggressive or too playful may irritate your cats. You have to treat them with care. And you have to know what tricks they like so that you can give them exactly that.

Jealousy Attack

If you will be introducing a new pet or a new member to the household, you have to integrate them slowly even with your cat. Cats tend to be jealous when they are being given less attention than what they were usually getting.

Taking care of a three legged cat is easy. You just have to know what to do and what to avoid in order to have a harmonious relationship with your feline friend.(red)

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