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Showing posts from November, 2014

REPLACEMENT CLAUSE FOR SECOND HAND MACHINERY - PADA ASURANSI ANGKUTAN BARANG

REPLACEMENT CLAUSE SECOND-HAND MACHINERY In the event of loss of or damage to any part or parts of the goods insured in consequence of a risk covered by the policy, the amount recoverable hereunder shall not exceed such proportion of the cost of replacement of the part lost or damaged as the insured value bears to the value of new machinery, plus additional charges for forwarding and re-fitting the new part or parts if incurred.

ROAD RISKS CLAUSE

ROAD RISKS CLAUSE It is hereby noted and agreed that the policy is extended to cover loss and/or damaged to the unit during the cargo or unit movement by its own power with sub limit USD. ……

INSTITUTE THEFT, PILFERAGE AND NON-DELIVERY CLAUSE

INSTITUTE THEFT, PILFERAGE AND NON-DELIVERY CLAUSE (For use only with Institute Clauses) In consideration of an additional premium, it is hereby agreed that this insurance covers loss of or damage to the subject-matter insured caused by theft or pilferage, or by non-delivery of an entire package, subject always to the exclusions contained in this insurance. 1/12/82 CL272 © Copyright The Institute of London Underwriters

INSTITUTE REPLACEMENT CLAUSE - PADA ASURANSI ANGKUTAN, ASURANSI PENGIRIMAN BARANG

INSTITUTE REPLACEMENT CLAUSE In the event of loss of or damage to any part or parts of an insured machine caused by a peril covered by the Policy the sum recoverable shall not exceed the cost of replacement of repair of such part or parts plus charges for forwarding and refitting, if incurred, but excluding duty unless the full duty is included in the amount insured, in which case loss, if any, sustained by payment of additional duty shall also be recoverable. Provided always that in no case shall the liability of Underwriters exceed the insured value of the complete machine.

INSTITUTE CYBER ATTACK EXCLUSION CLAUSE - PADA ASURANSI ANGKUTAN PENGIRIMAN BARANG

INSTITUTE CYBER ATTACK EXCLUSION CLAUSE } 10/11/2003 ~ 1.1 Subject only to clause 1.2 below, in no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme, malicious code, computer virus or process or any other electronic system. 1.2 Where this clause is endorsed on policies covering risks of war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power, or terrorism or any person acting from a political motive, Clause 1.1 shall not operate to exclude losses (which would otherwise be covered) arising from the use of any computer, computer system or computer software programme or any other electronic system in the launch and/or guidance system and/or firing mechanism of any weapon or missile.

INSTITUTE MALICIOUS DAMAGE - PADA ASURANSI MARINE CARGO, ASURANSI ANGKUTAN BARANG

INSTITUTE MALICIOUS DAMAGE CLAUSE In consideration of an additional premium, it is hereby agreed that the exclusion "deliberate damage to or deliberate destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons" is deemed to be deleted and further that this insurance covers loss of or damage to the subject-matter insured caused by malicious acts vandalism or sabotage, subject always to the other exclusions contained in this insurance. 1/8/82 CL266 © Copyright The Institute of London Underwriters

DUTY CLAUSE - PADA ASURANSI ANGKUTAN DAN PENGIRIMAN BARANG

This insurance covers the Insured’s contingent interest on Custom Duty arising from the insured goods arriving at the port of destination damaged by a peril insured against but full duty had been levied and paid thereon as if the goods had arrived sound provided claims payable hereunder shall not exceed ______percent of the insured value on the damage portion of the insured goods.

CONCEALED DAMAGE - PADA ASURANSI ANGKUTAN PENGIRIMAN BARANG

Notwithstanding any term/condition/provision to the contrary, it is agreed that any loss or damage discovered on opening of externally sound cases and/or packing (even after risk has ceased hereunder but not exceeding 15 days after arrival date) shall be deemed to have occurred during the conveyance insured hereunder and shall be payable accordingly, unless proof conclusive to the contrary be established. It is being understood that any cases and/or packing showing visible signs of damage be opened immediately”

SEMINAR COMPREHENSIVE MACHINERY INSURANCE - lanjutan

APARI (Asosiasi Ahli Pialang Asuransi dan Reasuransi Indonesia) mengadakan seminar lanjutan untuk Comprehensive Machinery Insurance untuk Business Interruption

Program APARI - APARI Gathering 2014

Asosiasi Ahli Pialang Asuransi dan Reasuransi Indonesia mengadakan acara Gathering bagi para anggota dan non anggota yang akan dilaksanakan pada 28-29 November 2014 ke kebun teh Ciater. Selamat bagi para panitya yang telah sukses menyelenggarakan event ini. Have Fun!

IURAN BPJS KESEHATAN

IURAN 1.      Bagi peserta Penerima Bantun Iuran (PBI) Jaminan Kesehatan iuran dibayar oleh Pemerintah. 2.     Iuran bagi Peserta Pekerja Penerima Upah yang bekerja pada Lembaga Pemerintahan terdiri dari Pegawai Negeri Sipil, anggota TNI, anggota Polri, pejabat negara, dan pegawai pemerintah non pegawai negeri sebesar 5% (lima persen) dari Gaji atau Upah per bulan dengan ketentuan : 3% (tiga persen) dibayar oleh pemberi kerja dan 2% (dua persen) dibayar oleh peserta. 3.       Iuran bagi Peserta Pekerja Penerima Upah yang bekerja di BUMN, BUMD dan Swasta sebesar 4,5% (empat koma lima persen) dari Gaji atau Upah per bulan dengan ketentuan : 4% (empat persen) dibayar oleh Pemberi Kerja dan 0,5% (nol koma lima persen) dibayar oleh Peserta. 4.       Iuran untuk keluarga tambahan Pekerja Penerima Upah yang terdiri dari anak ke 4 dan seterusnya, ayah, ibu dan mertua, besaran iuran sebesar sebesar 1% (satu persen) dari dari gaji atau upah per orang per bulan, dibayar oleh peke

MANFAAT BPJS KESEHATAN

Manfaat Jaminan Kesehatan Nasional (JKN) BPJS Kesehatan meliputi : a.           Pelayanan kesehatan tingkat pertama, yaitu pelayanan kesehatan non spesialistik mencakup: 1.       Administrasi pelayanan 2.       Pelayanan promotif dan preventif 3.       Pemeriksaan, pengobatan dan konsultasi medis 4.       Tindakan medis non spesialistik, baik operatif maupun non operatif 5.       Pelayanan obat dan bahan medis habis pakai 6.       Transfusi darah sesuai kebutuhan medis 7.       Pemeriksaan penunjang diagnosis laboratorium tingkat pertama 8.       Rawat inap tingkat pertama sesuai indikasi b.          Pelayanan kesehatan rujukan tingkat lanjutan, yaitu pelayanan kesehatan mencakup: 1.     Rawat jalan, meliputi: a)     Administrasi pelayanan b)     Pemeriksaan, pengobatan dan konsultasi spesialistik oleh dokter  spesialis dan sub spesialis c)     Tindakan medis spesialistik sesuai dengan indikasi medis d)     Pelayanan obat da

PESERTA BPJS KESEHATAN

Peserta BPJS Kesehatan adalah setiap orang, termasuk orang asing yang bekerja paling singkat 6 (enam) bulan di Indonesia, yang telah membayar iuran, meliputi : 1.     Penerima Bantuan Iuran Jaminan Kesehatan (PBI) : fakir miskin dan orang tidak mampu, dengan penetapan peserta sesuai ketentuan peraturan perundang- undangan. 2.      Bukan Penerima Bantuan Iuran Jaminan Kesehatan (Non PBI) , terdiri dari : Pekerja Penerima Upah dan anggota keluarganya      a)     Pegawai Negeri Sipil;      b)     Anggota TNI;      c)     Anggota Polri;      d)     Pejabat Negara;      e)     Pegawai Pemerintah non Pegawai Negeri;      f)      Pegawai Swasta; dan      g)     Pekerja yang tidak termasuk huruf a sd f yang menerima Upah.            Termasuk  WNA yang bekerja di Indonesia paling singkat 6 (enam) bulan. Pekerja Bukan Penerima Upah dan anggota keluarganya      a)     Pekerja di luar hubungan kerja atau Pekerja mandiri; dan   b)     Peke