Analisis Proses Klaim Asuransi Kebakaran Dengan Menggunakan Metode Pure Indemnity dan Reinstatement Value Terhadap Objek Asuransi Berupa Bangunan

Zeinyta Azra Haroen

Sari


Insurance is a method of risk transfer from one party known as insured to another party which is called insurer and this is noted in writing as a proof of risk transfer contract. Generally within Fire Insurance Policy, risk transfer can be based on pure indemnity, reinstatement, adjustable or first loss. This discussion is limited to pure indemnity and reinstatement bases only. Fire insurance policy with pure indemnity basis is different with reinstatement especially in term of insured value requirement which should be based on the actual value immediately before the loss and this resulted in the loss calculation procedures (if any). Contrary to reinstatement should the base for the new value. Pure indemnity and the reinstatement would be the same if the insured object is new.

 


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Referensi


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Fakultas Ekonomi Universitas Bhayangkara Jakarta Raya (FE UBJ)