Amid the high number of residents, insurance was still not a mainstream product of Indonesian society.
This is implicitly shown in a survey conducted by the Bureau of Research in the framework of the program InfoBank 126 Insurance Rating InfoBank 2009 version. From there it obtained the information that the life insurance industry recorded only the gross premium growth of 8.88 percent in 2008. Obtaining life insurance premiums in 2007 to enjoy the harvest season, then in 2008 before declining investment returns are 1.30 percent and fell by 29.13 percent.
And all this time efforts are made by companies and practitioners to socialize heavily enough insurance. The government also did not seem to hinder the development of insurance markets. But in fact the number of participants is very little insurance, it is not disproportionate when compared with the total population of Indonesia, which reached approximately 220 million people. This indicates that the insurance tends to be avoided by the public.
According to the opinion of the writer, there are some things that cause difficulty growing insurance sector in Indonesia. First, people do not know the importance of insurance. That happens because the community was less familiar with the insurance, because not getting enough information, especially from the school as educational institutions. According to personal experience and observation, materials and information about insurance is less a place in our educational curriculum.
Lack of information sometimes lead to wrong understanding of the insurance community. Community feel lazy insurance because considered less favorable, because the money is already insured could not be disbursed at any time as in savings. New money can be taken only if it is due or if it is in conformity with the agreed, so it is not flexible.
And it's where the benefits of insurance, because our future will be more secure. The premiums are always awake, even by the desire and our own desire to use the money.
Second, insurance agents are too aggressive and was "forced" in marketing insurance products. This is slightly more negative impression for the general insurance industry. Community was disturbed by the doings of the excess insurance agent, so that eventually became allergic to the name of insurance. Then the negative news continues to spread widely by word of mouth.
Insurance in order to grow and develop in this country, then the earliest steps that must be done is to fix and straighten out the negative views that are already rooted in the community. This can be done by introducing intensive insurance system starting from primary education up to university level. Communities should be given the awareness that insurance is important for the future, especially in the less conducive conditions and national stability as now.
The government also needs to be firmly against insurance companies that do not meet the requirements or government regulations. Regulation No. 39/2008 states that an insurance company must meet the minimum capital USD 40 billion by the end of 2008, a minimum of USD 70 billion in 2009, and should reach USD 100 billion in 2010. Companies that do not meet these requirements should be closed or merged, may be dangerous because of insurance users, which is threatened not paid claims because the company went bankrupt vulnerable. If this happens, then the effort to build a good image of the insurance will never be effective, or even could become a thing of naught.
This is implicitly shown in a survey conducted by the Bureau of Research in the framework of the program InfoBank 126 Insurance Rating InfoBank 2009 version. From there it obtained the information that the life insurance industry recorded only the gross premium growth of 8.88 percent in 2008. Obtaining life insurance premiums in 2007 to enjoy the harvest season, then in 2008 before declining investment returns are 1.30 percent and fell by 29.13 percent.
And all this time efforts are made by companies and practitioners to socialize heavily enough insurance. The government also did not seem to hinder the development of insurance markets. But in fact the number of participants is very little insurance, it is not disproportionate when compared with the total population of Indonesia, which reached approximately 220 million people. This indicates that the insurance tends to be avoided by the public.
According to the opinion of the writer, there are some things that cause difficulty growing insurance sector in Indonesia. First, people do not know the importance of insurance. That happens because the community was less familiar with the insurance, because not getting enough information, especially from the school as educational institutions. According to personal experience and observation, materials and information about insurance is less a place in our educational curriculum.
Lack of information sometimes lead to wrong understanding of the insurance community. Community feel lazy insurance because considered less favorable, because the money is already insured could not be disbursed at any time as in savings. New money can be taken only if it is due or if it is in conformity with the agreed, so it is not flexible.
And it's where the benefits of insurance, because our future will be more secure. The premiums are always awake, even by the desire and our own desire to use the money.
Second, insurance agents are too aggressive and was "forced" in marketing insurance products. This is slightly more negative impression for the general insurance industry. Community was disturbed by the doings of the excess insurance agent, so that eventually became allergic to the name of insurance. Then the negative news continues to spread widely by word of mouth.
Insurance in order to grow and develop in this country, then the earliest steps that must be done is to fix and straighten out the negative views that are already rooted in the community. This can be done by introducing intensive insurance system starting from primary education up to university level. Communities should be given the awareness that insurance is important for the future, especially in the less conducive conditions and national stability as now.
The government also needs to be firmly against insurance companies that do not meet the requirements or government regulations. Regulation No. 39/2008 states that an insurance company must meet the minimum capital USD 40 billion by the end of 2008, a minimum of USD 70 billion in 2009, and should reach USD 100 billion in 2010. Companies that do not meet these requirements should be closed or merged, may be dangerous because of insurance users, which is threatened not paid claims because the company went bankrupt vulnerable. If this happens, then the effort to build a good image of the insurance will never be effective, or even could become a thing of naught.
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