Insurance is the pooling of fortuitous losses by transfer of such risks to insurers, who agree to indemnify insureds for such losses, to provide other pecuniary benefits on their occurrence, or to render services connected with the risk.
… spreading of losses incurred by the few over the entire group, so that in the process, average loss is substituted for actual loss.
•do not change expected loss
•reduce uncertainty (variance decreases, costs from loss exposure become more predictable)
•Distribution becomes more symmetric (less skewed)
•Predictability increases with the number of participants
Karakteristik Dasar Asuransi
•Predictability decreases with correlation in losses
•Payment of fortuitous losses
•Insurance pays for losses that are unforeseen, unexpected, and occur as a result of chance
•A pure risk is transferred from the insured to the insurer, who typically is in a stronger financial position •Indemnification
•The insured is restored to his or her approximate financial position prior to the occurrence of the loss
Materi lengkap Mata Kuliah Manajemen Risiko Mekanisme Asuransi Dosen Aza El Munadiyan S.SI MM