Risk insurance | Risk management in the insurance !!!

Risk insurance | Risk management in the insurance !!!

welcome friends, resikn in insurance will be our discussion on this occasion, where the insurance risk is also no way or risk control.

Risks in insurance.

when we talk about the risks associated with the uncertainty bound. dimaksut uncertain which in this case is when the risk of causing harm and how much harm if the risk does occur. risks causing losses are mainly due to three things, namely natural factors such as earthquakes and floods, for human factors such as robbery and assault, as well as factors such as a car accident possessions. these risks can occur at any time to us. therefore, we should be able to manage risk through risk management because they affect the continuity of our efforts.

risk management is a risk management process that includes the identification, evakluasi, and control risks that can be done by physical and financial control.

what risk control that ??

Further reading gays ...

1. The physical risk control.

insurance risk control physical form of the elimination of risk and risk minimization. efforts to minimize the risk known as the efforts to avoid and prevent efforts. efforts to avoid and prevent according to the abbot A. Salim consists of:

~ Efforts to seek a minimum loss if the risk does occur.

~ Efforts to eliminate the causes that can result in losses.

~ Effort to protect the insurance object, both people and property will be harmed.

~ Effort to protect the goods that have been damaged so as not getting damaged.

so, we are also important to know the above.

2. Financial risk management basis.

financial risk management in the form of its own risk management and risk transfer to another party. its own risk management carried out if the loss is of little value, the cost of which is issued for the loss is small, and the financial condition is not compromised. As for the transfer of risk to others can be done through an insurance program organized by the insurance company.

however, not all of the risks that we face can be insured to the insurance company. the risk is the risk that can cause huge losses. asuransijan risks that can have the following characteristics.

1. is pure, that risk does occur, synonymous with disaster, and can cause harm eg fire events that resulted in a person's possessions out.

2. pratikular nature, namely the risk does occur, synonymous with tragedy and a great loss is still within the limits that can be calculated.

3. is not unexpected. namely the risk occurs is uncertain, undesirable and unsustainable occurrence.

4. The value of money, which is threatened by the risk of the insurance object, can be valued in money.

5. The insurance object, a similar object danger risk insurance, numerous and similar, but with the same risk.

6. not contrary to law. namely the transfer of risk to the insurance contract is documented in a written agreement that is based on the rule of law.

So, each of our lives, we have experienced the potential risks. and to overcome it is with the insurance program. may add insight and hopefully useful.

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