Definiton of Insurance Part 2

• Insurance that threatens agricultural yields paddy fieldsInsurance-threatening agricultural yields paddy fields is to replace the loss of farmers on matters relating to agriculture or to protect farmers against crop failure.Sample case:If farmers make insurance crop failures so if this year farmers threatened by the occurrence of crop failure due to pests or a bad season (dry season), then the insurance company will replace the losses suffered by farmers in accordance with the agreement that has been determined, however, if farmers this year will not experience crop failure then the farmers will not get anything from the insurance company.• Life insuranceLife insurance provides services in penanggulan risks associated with the life or death of an insured person and the nature of long-term (long term).Sample case:1. when a person buys life insurance with a term of 5 years with 100 million sum he must pay a premium determined by the insurance company (eg, 500 thousand rupiah) per year, meaning that if accountability dies during the term of the contract above, the heirs or person appointed will receive the money from the insurance company amounted to 100 million, but, if the liability of life until the end of the agreement then he will not gain anything.2. When I was diagnosed with a critical illness, the insurance company will pay money for my medical expenses. Types of critical illness insurance is different for each company, but the public was such as stroke, heart disease etc.• Insurance in the oceans and slavery Insurance dilautan is to replace losses in the implementation of shipping by sea is full of danger at sea.Sample case:Dangers during transport, eg fire dipelabuhan that the ship and cargo.The danger that threatens the objects of insurance are sourced from nature (storms, big waves, wind rain, thick fog, and also derived from human such as piracy pirate rebellion crew should something so then the insurance company will indemnify in accordance with the agreements it has set. Insurance slavery is: To protect the prospective workers who work abroad are often the victims of trafficking in persons among them were sold mainly women or died while working in a migrant worker.Sample case:For example there are a number of Indonesian workers (TKI) work in Malaysia for 3 years. At work Being a migrant worker, the person had an accident at work that died in Malaysia. Because the person is an insurance member slavery then kin (spouse and children or heirs) are entitled to insurance in the form of money that has been determined by the insurance will be given to the heirs.• Insurance land transportation and rivers and the waters pedalamamThat is to minimalyzing damage or loss of the cargo transported therein. Guarantee any damage or loss caused by a risk and since the goods leave the warehouse until the warehouse of interest both from land transportation, waters (rivers and lakes).Sample case:Eg land transport accident on the trip so that the goods are transported suffered severe damage then the insurance company will replace the losses suffered by the land transport in accordance with the Promised predetermined.In the development of many different types of insurance that are not found in KUHD can be encountered in practice in insurance. According H.Gunanto, insurance is classified into:1. Insurance lossesConsisting of insurance for property (property), financial interests (pecuniary), liability (liability) and self-insurance (accident or health)2. Life insuranceThose dealing with the death of the insured in the insurance period or remain alive until the end of the insurance period. Providing money at the time of death of the insured for funeral expenses and to continue the income for his heir.According to the first set whether or not the amount of money to be paid the insurance can be divided into:1. Loss insurance is to replace the losses incurred, the amount is not fixed in advance.2. Insurance sum of money is to pay an amount of money that the amount has been determined from the outset. This applies to life accident insurance and accident insurance people.According to the duration of insurance can be classified into:• Short-term Insurance• Long-term InsuranceLife insurance is generally a long-term insurance. Insurance is short-term insurance.According to the object, the insurance can be classified into:• insurance is to replace the losses incurred in question dengn someone to ensure its survival in case of an accident waktum such as life insurance.• Insurance of goods to replace the loss in question happened with valuables owned insurance eg the transport of goods.The form and content of insurance agreementInsurance or a mutual agreement, in the sense of an agreement, in which the two sides each have an obligation worth, which the party responsible has an obligation to pay the premium, the amount determined by the insurer, while the insurer has a duty to indemnify suffered by the insured.Under the terms of section 255 of the Commercial code specified that all insurance or to be established in writing with a fact which called the policy. The insurance policy is the content of the insurance agreement. In Article 256 KUHD determined that the policy contents for insurance or in all cases except life insurance should include:1. Today the formation of insurance2. The name of the insured as pihal which approved the formation of insurance, that is, on his own or at the expense of others.3. Mentioning enough in light of the thing or object that is guaranteed.4. The amount of money, for which the collateral held (insurance money)5. The dangers incurred by the insurer.6. Start and end of the grace period in which the collateral held by the insurer.7. Money premiums to be paid by the insured8. In general, all the things that need to be known by the insurer, as well as all the specific promises that were held between the two sides.Article 258 states KUHD to prove the closure of the agreement, necessary pembutiktian with the words, however, so-so Isia-stuffing proofing tool used as well, when there is already the beginning of proof by writing. It can be concluded that the policy is not a thing mutlah in an insurance, but only a means of proving the existence of such insurance.