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Insurance Definition Under the KUHP Article Law

Insurance Definition Under the KUHP Article Law

Pasal 246 of the KUHD states: Insurance is an agreement with which an insurer ties himself to someone insured by receiving a premium, to provide compensation to him because of a loss, damage or loss of expected benefits that may be suffered because of an event that is not certain. Law No. 2 of 1992 concerning insurance business which was promulgated on February 11, 1992 provides a definition of insurance as insurance or insurance is an agreement between two or more parties, with the insurer binding itself to the insured, by receiving insurance premiums, to provide reimbursement to the insured due to loss, damage or loss of expected profits or legal responsibility to a third party that might be suffered by the insured, arising from an uncertain event, or providing a payment based on the death or life of someone insured. The basis and elements of insurance The basis of an insurance agreement is to avoid a risk by handing it over to someone else. The juridical elements of an insurance are: 1. The existence of an insured party (the party whose interests are insured) 2. The existence of the insurer (the insurance company that guarantees to pay compensation) 3. There is an insurance agreement (between the insurer and the insured) 4. There is a premium payment (by the insured to the insurer) 5. There is loss, damage, or loss of profits (suffered by the insured). 6. There is an event that is not certain to occur

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