Archive for the ‘Features’ Category

Apakah wording dan klausul-klausul polis yang Anda terbitkan sudah dalam bahasa Indonesia?? Perjanjian (Polis) Tidak Dibuat Dalam Bahasa Indonesia Batal Demi Hukum, Ini Dasar Hukumnya. Pasal 31 ayat 1 UU No. 24 Tahun 2009 tentang Bendera, Bahasa, dan Lambang Negara serta Lagu Kebangsaan menyatakan: “bahasa Indonesia wajib digunakan dalam nota kesepahaman atau perjanjian yang melibatkan lembaga negara, instansi pemerintah republik ... Full story

Definisi syariah Menyimpang dari arti yang berbeda yang mungkin diberikan oleh peraturan hukum yang berlaku, untuk keperluan polis ini semua istilah yang dicetak miring diartikan sebagaimana diuraikan berikut ini: Asuransi syariah adalah usaha saling tolong menolong (ta`awuni) dan melindungi (takafuli) di antara para peserta melalui pembentukan kumpulan dana (dana tabarru`) yang dikelola sesuai prinsip ... Full story

HAPPY NEW YEAR 2022 FROM AHLIASURANSI LEARNING CENTER (AALC) The team at AALC would like to thank you for your support in 2021. We look forward to another year of providing you with opportunities for you to stay up to date and develop your career in 2022. We wish you and your family best wishes for a safe and happy new ... Full story

Munich Re telah menerbitkan polis Industrial All Risks (IAR) baru versi 2.3 (Agustus 2017) yang memberikan jaminan dan persyaratan polis yang lebih transparan, terstruktur rapi, jelas, tidak ambigu, dilengkapi dengan definisi dan endorsemen perluasan yang diperlukan. Bagian penting dari polis ini, adalah: Polis menjamin kerusakan fisik dan gangguan usaha (Policy covers physical physical damage and resulting business interruption) ... Full story

In the event of any partial or total unscheduled suspension or cessation of work, the Insured shall give immediate notice in writing to Insurers if such a suspension or cessation is anticipated to exceed 30 calendar days. Any such suspension or cessation shall be considered as a Material Change as per General Condition Full story

This Policy does not cover any loss, damage or liability directly or indirectly caused by or arising from or aggravated by any wilful act or omission or gross negligence of the Insured or their management, including but not limited to the Project manager and the Project Site manager. Full story

The monetary amount corresponding to the Time Deductible shall be calculated by multiplying the average daily value of loss sustained during the Period of Indemnity by the number of days agreed upon as the Time Deductible and shall be deducted from the amount payable. Full story

In the event of a claim being brought by any Insured in respect of Loss resulting from neglect, error or omission in the design or manufacture of component products by any supplier, the Insurers will indemnify the Insured. However, the Insurers retain all rights of subrogation against the supplier in respect of such Loss. For the purpose of this clause, the term component products shall mean ... Full story

In the event of a claim being brought by any Insured in respect of Loss resulting from any breach of professional duty by professional consultants, the Insurers will indemnify the Insured, However, the Insurers retain all rights of subrogation against the professional consultants in respect of such Loss. Full story

This Policy will indemnify the Insured, in respect of the difference in costs between those calculated at normal or standard rates of reimbursement, and those actually incurred including costs for overtime, work on public holidays and weekends, shift working and express freight provided that such costs: (a) are necessarily and reasonably incurred by the Insured for the purpose of preventing or minimising ... Full story

Any Loss arising during any one period of 72 hours caused by storm, tempest, flood, water or cyclone shall be deemed to be one Loss. The Insured shall select the time from which any such period shall commence but no two selected periods shall overlap. Full story

If during the Construction Period the actual value of the Insured Property shall exceed the Total Sum Insured as specified in the Schedule, the Total Sum Insured shall be increased automatically so that it is equal to such actual value, subject, however, to the increase not exceeding in any case the automatic escalation percentage indicated in the Schedule. Where it is apparent, or ... Full story

In the event of insured Loss to plans, drawings, files, documents, manuscripts, or computer system records forming part of the Insured Property, this Section shall indemnify the Insured in respect of the cost of labour and computer time expended in reproducing such plans, drawings, files, documents, manuscripts, or computer system records, including any expenses incurred in producing the information contained thereon, provided that:... Full story

In the event of loss or damage being discovered after the cover provided for any item of Insured Property under any marine or transit policy of insurance has terminated and if after proper investigation it is not possible to ascertain whether such loss or damage happened prior to termination of such policy, Insurers shall indemnify the Insured in respect of insured Loss, provided ... Full story

This Policy will indemnify the Insured, up to the Sum specified in the Schedule, in respect of insured Loss, while Insured Property is in temporary storage off the Project Site, except while at any manufacturers or suppliers premises prior to delivery to the Project Site, provided that: (a) said Insured Property is owned, or is in the custody, care or control of the Insured; and (b) the ... Full story

This Policy will indemnify the Insured, up to the Sum specified in the Schedule, in respect of insured Loss, while Insured Property is being transported on any vehicle (including loading and unloading) to the Project Site or to temporary off-site facilities, provided that: (a) said Insured Property is owned, or is in the custody, care or control of the Insured; and (b) the transits insurance hereunder shall ... Full story

This Policy will indemnify the Insured, up to the Sum specified in the Schedule, in respect of architects, surveyors, consulting engineers and other professional fees, necessarily and reasonably incurred in the repair, reconstruction or replacement consequent to insured Loss, provided that: (a) fees for preparing any claim under this Policy are excluded hereby; and (b) the amount payable under the terms of this Policy shall not exceed ... Full story

The Insured warrant that the Premium stated below and any Premium as may be agreed by Endorsement will be paid and received by Insurers on or before midnight of the respective Due Date. If this warranty is not complied with, this Policy shall be terminated at such Due Date. Premium Payment                                ... Full story

AHLIASURANSI in cooperation with Talent@sia present Special insurance workshop with Ir. Pooba Mahalingam Dealing with Contractor’s All Risks (C.A.R) Insurances (Coverage and Claims Issues) 6-7 December 2017 @Ayana MidPlaza Hotel, Jakarta Facilitator : Ir. Pooba Mahalingam A intensive course on the  Property All Risks (PAR) Policy - (with a special ... Full story

Understanding The IAR / PAR Policy, Business Interruption Insurances & Claims A Comprehensive Guide on the cover afforded by the Industrial / Property All Risks Policy and Business Interruption Insurance for Insurance Brokers and Advisers, Underwriters and Claims Officers, Loss Adjusters, and Risk Managers The Facilitators: ... Full story

Understanding The Motor Vehicle Insurance & Claim Memahami Jaminan Polis & Klaim Asuransi Kendaraan Bermotor (Disesuaikan dengan SE OJK No. 6 /SEOJK.05/2017 tentang Penetapan Tarif Premi atau Kontribusi pada Lini Usaha Asuransi Kendaraan Bermotor ) The Facilitators: IMAM MUSJAB, SE, AIIS, AAIK, ICPU, QIP... Full story

Understanding The Builders’ Risks and Ship Repairers’ Liability Insurances & Claims Memahami Jaminan Polis & Klaim Asuransi Pembangunan Kapal dan Tanggung Jawab Hukum Galangan Kapal The Facilitators IMAM MUSJAB, SE, AIIS, AAIK, ICPU, QIP BAYU SAMUDRO, SE, AAIK, ICPU, ICMarU, ICEU, ... Full story

Asuransi Kapal Dan P&I (Hull & Machinery and Protection & Indemnity) Apa yang dijamin dan Apa saja yang tidak disampaikan oleh Perusahaan Asuransi kepada Anda? The Facilitators: IMAM MUSJAB, SE, AIIS, AAIK, ICPU, QIP BAYU SAMUDRO, SE, AAIK, ICPU, ... Full story

Understanding Personal Accident, Money And Fidelity Insurances & Claims Memahami Jaminan Polis & Klaim Asuransi Kecelakaan Diri, Uang dan Fidelity The Syllabus Training yang akan membahas secara komprehensif mengenai jaminan polis dan klaim asuransi kecelakaan diri, asuransi uang dan asuransi fidelity, meliputi: A. Bedah Polis ... Full story

Marine Cargo Insurance : Underwriting, Claim and Recovery actions against carriers Asuransi Pengangutan Barang : Underwriting, Klaim dan Tanggung jawab hukum pengengkut dalam hal terjadi kerugian The Facilitator: BAYU SAMUDRO, SE, AAIK, ICPU, ICMarU, ICEU, ICLiU, QIP IMAM MUSJAB, SE, AIIS, AAIK, ICPU, QIP Facilitator adalah praktisi asuransi, Ahli Asuransi ... Full story

Surety Bond & Bank Guarantee : Underwriting & Claims Review Memahami Jaminan dan Klaim Surety Bond & Bank Garansi (Studi kasus klaim penjaminan, masa depan pemasaran Surety Bond Pasca UU No 1 Tahun 2014 tentang: Penjaminan dan pembahasan wordings baru) The Facilitator: A.A. NGURAH ADNYANA DIPTA, SH, MM, AAIK, QIP, ICMOU, ICBU... Full story

Enhancing individual and organisational performance AHLIASURANSI Learning Center (AALC) berdedikasi untuk mengembangkan kemampuan teknik dan manajerial insan perasuransian di Indonesia dengan specialist insurance training yang dimotori oleh para ahli asuransi umum, praktisi berpengalaman dalam underwriting dan klaim, dan kemampuan fasilitator dalam berbagi pengalaman dan berdiskusi mengenai kondisi pasar ter-update yang tidak diragukan lagi.... Full story

AHLIASURANSI Learning Center (AALC) berdedikasi untuk mengembangkan kemampuan teknik dan manajerial insan perasuransian di Indonesia dengan specialist insurance training yang dimotori oleh para ahli asuransi umum, praktisi berpengalaman dalam underwriting dan klaim, dan kemampuan fasilitator dalam berbagi pengalaman dan berdiskusi mengenai kondisi pasar ter-update yang tidak diragukan lagi.... Full story

Terima kasih atas partisipasi dan keikutsertaan Bapak/Ibu/Rekan yth dari berbagai perusahaan asuransi, reasuransi, pialang asuransi, pialang reasuransi, agen asuransi, surveyor, jasa penilai kerugian, dan para praktisi asuransi. AHLIASURANSI LearningCenter - Specialist Insurance Training. Telp +628128079130 email : info@ahliasuransi.com or ahliasuransilearningcenter@gmail.com ... Full story

Mengingat banyaknya galeri foto-foto training dan terbatasnya kapasitas penyimpanan, foto-foto galeri dapat dilihat di Facebook, Instagram, LinkedIn, dan Line, silakan klik link berikut: ... Full story

Kami menghargai investasi uang dan waktu anda, para peserta training dapat mengunduh materi training dengan password yang disediakan pada saat training atau anda dapat membelinya IDR3,000,000 per subjek. Call us at +628128079130 (WA) or email: info@ahliasuransi.com We value your money and time investment, you may download training course material with password supplied during the course or you ... Full story

ASURANSI KAPAL DAN P&I (HULL & MACHINERY AND PROTECTION & INDEMNITY) Apa yang dijamin dan Apa saja yang tidak disampaikan oleh Perusahaan Asuransi kepada Anda? Download Brosur di sini OVERVIEW Seiring dengan kebijakan pemerintah untuk menghubungkan kepulauan Indonesia, Pemerintah mencanangkan pengembangan tol laut ... Full story

CONTRACTORS’ ALL RISKS & CONTRACTORS’ LIABILITY INSURANCES Asuransi Konstruksi, Tuntutan hukum akibat pekerjaan konstruksi : Permasalahan dan prosedur penyelesaian klaimnya Download Brosur di sini OVERVIEW Pemerintah sedang memprioritaskan pembangunan konstruksi gedung dan infrastruktur jalan raya, jalan tol, jembatan, rel kereta api, bendungan, pelabuhan ... Full story

AHLIASURANSI Learning Center “The power of being understood”. Menyelenggarakan Training : Silakan klik Jadwal Training Asuransi lengkap di sini   Jadwal Training Asuransi Periode Januari s/d Desember No Training... Full story

FLEET INSURANCE CLAUSE It is agreed between the Assureds and the Company that the Insured Vessels are subject to Fleet Insurance then the debts of any one Assured in respect of any such Insured Vessel shall be treated as a debt to the Company of all other Assureds whose vessels are or were insured as part of the ... Full story

It is hereby understood and agreed that where recovery is obtained from a carrier or other third party such recovery shall be apportioned between the assured and the underwriters in the same proportion as the respective parties hereto have borne the loss Full story

It is hereby understood and agreed, subject to the exceptions and conditions contained herein and of any endorsements hereon, notwithstanding what has been stated to the contrary, that: The Insurer will not indemnify the Insured in respect of loss of or damage to the Property Insured or liability directly or indirectly arising from any cause whatsoever occurring or ... Full story

The following shall be excluded from this Policy: Any loss or damage occasioned by or through or in consequence, directly or indirectly, of any of the following occurrences, namely: 1. War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war. 2. Mutiny, civil commotion assuming the proportions of ... Full story

All transmission and distribution lines, including wires, cables, poles, pylons, standards, towers and any equipment of any type which may be attendant to such installations, including substations of any description, unless such substations are specifically declared as part of the insured assets/locations. However, poles, pylons, standards, towers are not considered as insured structure. This exclusion includes but is ... Full story

It is understood and agreed that this Policy shall be subject to the following Property Damage Clarification Clause: Property damage covered under this Policy shall mean physical damage to the substance of property. Physical damage to the substance of property shall not include damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, ... Full story

Ujian Gelar Profesi Asuransi Syariah Indonesia agak berbeda dari ujian AAMAI yang harus lulus beberapa subjek ujian dan bisa dilakukan dengan belajar mandiri. Ujian Gelar Profesi Asuransi Syariah diselenggarakan dalam 3 tahapan dengan sistim pelatihan asuransi syariah terlebih dahulu kemudian disusul dengan ujian, dan syarat untuk ikut ujian ajun (AIIS) atau ahli asuransi syariah (FIIS)  pun harus telah memiliki gelar profesi ... Full story

Asuransi Syariah (Ta’min, Takaful atau Tadhamun) adalah usaha saling melindungi dan tolong-menolong di antara sejumlah orang/pihak melalui investasi dalam bentuk aset dan / atau tabarru’ yang memberikan pola pengembalian untuk menghadapi resiko tertentu melalui akad (perikatan) yang sesuai dengan syariah (Fatwa DSN No.21/DSN-MUI/X/2001) Akad adalah perjanjian tertulis yang memuat kesepakatan tertentu beserta hak dan kewajiban para ... Full story

FATWA DEWAN SYARI’AH NASIONAL NOMOR 53/DSN-MUI/III/2006 TENTANG AKAD TABARRU’ PADA ASURANSI SYARI’AH بِسْمِ ٱللَّهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ Dewan Syari’ah Nasional setelah Menimbang : bahwa fatwa No. 21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah dinilai sifatnya masih sangat umum ... Full story

FATWA DEWAN SYARI’AH NASIONAL NOMOR 52/DSN-MUI/III/2006 TENTANG AKAD WAKALAH BIL UJRAH PADA ASURANSI SYARI’AH DAN REASURANSI SYARI’AH بِسْمِ ٱللَّهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ Dewan Syari'ah Nasional setelah Menimbang : bahwa fatwa DSN No.10/DSN-MUI/2000 tentang Wakalah dan fatwa No. ... Full story

FATWA DEWAN SYARI’AH NASIONAL NOMOR 51/DSN-MUI/III/2006 TENTANG AKAD MUDHARABAH MUSYTARAKAH PADA ASURANSI SYARIAH بِسْمِ ٱللَّهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ Dewan Syari’ah Nasional setelah Menimbang : bahwa akad Mudharabah Musytarakah untuk asuransi sangat diperlukan oleh industri asuransi syariah;... Full story

FATWA DEWAN SYARI’AH NASIONAL NOMOR 21/DSN-MUI/X/2001 TENTANG PEDOMAN UMUM ASURANSI SYARI’AH بِسْمِ ٱللَّهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ Dewan Syari’ah Nasional setelah Menimbang : bahwa dalam menyongsong masa depan dan upaya meng-antisipasi kemungkinan terjadinya resiko dalam kehidupan ekonomi yang ... Full story

FATWA DEWAN SYARI’AH NASIONAL NOMOR 81/DSN-MUI/III/2011 TENTANG PENGEMBALIAN DANA TABARRU’ BAGI PESERTA ASURANSI YANG BERHENTI SEBELUM MASA PERJANJIAN BERAKHIR بِسْمِ ٱللَّهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ Dewan Syariah Nasional - Majelis Ulama Indonesia (DSN-MUI), setelah Menimbang :... Full story

Masih banyak yang bertanya Apakah perusahaan asuransi boleh menerbitkan polis dalam mata uang asing atau USD? Apakah klien boleh membayar premi dalam mata uang asing atau USD? OJK sudah menerbitkan Surat Penjelasan No. S-66 /D.05/2015 tentang Pelaksanaan Kewajiban Penggunaan Mata Uang Rupiah yang memperbolehkan perusahaan asuransi boleh menerbitkan polis dalam mata uang asing dan tentunya klien boleh membayar ... Full story

Upon their arrival at the Contract site, goods are to be inspected by the Insured for possible damage incurred during transit. In the case of packed goods which are to be left in their packing until a later date, the packing is to be visually inspected for signs of possible damage. If any sign of damage to the ... Full story

Polis ini menjamin risiko Kematian yang secara langsung disebabkan oleh suatu kecelakaan yaitu suatu kejadian atau peristiwa yang mengandung unsur kekerasan baik yang bersifat fisik maupun kimia, yang datangnya secara tiba-tiba, tidak dikehendaki atau direncanakan, dari luar, terlihat, langsung terhadap Tertanggung dan/atau Pasangan Sahnya yang seketika itu mengakibatkan luka badani yang sifat dan tempatnya dapat ditentukan oleh Ilmu Kedokteran, termasuk:... Full story

It is hereby agreed that this Policy is extended to indemnify the Insured for a reasonable temporary accommodation cost incurred by the Insured, in case the Building located in the Situation is temporarily inhabitable  as  a  result  of  loss  or  damaged  covered under this Policy. Amount payable under this clause shall not exceed in the aggregate Rp 25,000,000... Full story

This policy does not cover all transmission and distribution, including wire, cables, poles, pylons, standard towers and any equipment of any type of which may be attendant to such installation of any description. This exclusion includes but not limited to transmission or distribution of electrical power, telephone or telegraph signal and all communication signals whether audio or visual.... Full story

Sesuai dengan peraturan yang berlaku kewajiban Penanggung terhadap Tertanggung adalah sebagai berikut: a) Penanggung wajib menginformasikan kepada Tertanggung setiap perubahan manfaat, biaya, risiko, syarat dan ketentuan yang tercantum dalam Polis ini b) Informasi sebagaimana dimaksud pada ayat (a) wajib diberitahukan kepada Tertanggung paling lambat 30 (tiga puluh) hari kerja sebelum berlakunya perubahan manfaat, biaya, risiko, syarat dan ketentuan atas Polis ini c) Dalam hal Tertanggung tidak menyetujui perubahan ... Full story

Other  than  those  stipulated  in  other article within this Policy,  the  Insurer  and  the Insured  are  respectively  entitled  to terminate  this  Insurance  at  any  time  by giving  the  reason.  Such  termination  shall waive  article  1266  and  1267  of  the Indonesian Civil Code. Notification of  termination shall be made  in writing  by  the  party  who  wants  the termination  to  ... Full story

Notwithstanding anything contained to the contrary herein this policy does not cover loss, damage, destruction, distortion, erasure, corruption or alteration of electronic data from any cause whatsoever (including but not limited to computer virus) or loss of use, reduction in functionality, cost, expense of whatsoever nature resulting therefrom regardless of any other cause or event contributing concurrently or in any other ... Full story

The (re)insurer shall not provide cover nor be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the insurer or any member of the insurer’s group to any sanction, prohibition or restriction under United Nations resolutions, Australian autonomous sanctions, or ... Full story

Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.... Full story

Polis ini juga memberikan santunan biaya pemakaman Tertanggung akibat dari Kecelakaan yang dijamin dalam Polis ini sebesar 5% dari Harga Pertanggungan atau maksimum IDR5,000,000 jumlah mana yang lebih kecil Full story

Polis ini juga memberikan penggantian biaya ambulance untuk transportasi Tertanggung ke atau dari rumah sakit akibat dari Kecelakaan yang dijamin dalam Polis ini sebesar 5% dari Harga Pertanggungan atau maksimum IDR5,000,000 jumlah mana yang lebih kecil Full story

Polis ini juga memberikan penggantian biaya pengurusan Sertifikat Kematian Tertanggung akibat dari Kecelakaan yang dijamin dalam Polis ini maksimum sebesar IDR1,000,000 Full story

Polis ini juga menjamin risiko kematian, atau cacat tetap atau biaya perawatan atau pengobatan sebagai akibat dari kegiatan olah raga (non professional) dan kegiatan extra kurikuler yang diadakan oleh sekolah, namun tidak termasuk olah raga atau kegiatan bertinju, bergulat dan semua jenis olah raga beladiri, rugby, hockey, olah raga diatas es atau salju, mendaki gunung atau gunung es dan semua ... Full story

Santunan kematian akibat kecelakaan diberikan dalam hal Tertanggung hilang dan tidak diketemukan dalam waktu sekurang-kurangnya 60 hari sejak terjadinya kecelakaan sebagai akibat langsung dari suatu kecelakaan yang dijamin dalam polis Full story

Polis ini juga menjamin risiko kematian, atau cacat tetap atau biaya perawatan atau pengobatan sebagai akibat dari kecelakaan saat mengendarai sepeda motor. Full story

Polis ini juga menjamin risiko kematian, atau cacat tetap atau biaya perawatan atau pengobatan sebagai akibat dari tindakan-tindakan kekerasan termasuk pembunuhan, penganiayaan, pemerkosaan, penculikan dengan tidak memandang apakah tindakan-tindakan itu ditujukan terhadap Tertanggung atau orang-orang lain. Full story

Polis ini juga menjamin risiko kematian, atau cacat tetap atau biaya perawatan atau pengobatan sebagai akibat dari Kerusuhan, Pemogokan, Penghalangan Bekerja, Perbuatan Jahat, Huru-hara, Dengan ketentuan bahwa Tertanggung tidak secara sukarela terlibat didalam aksi-aksi tersebut. Full story

Jaminan Biaya Perawatan atau Pengobatan ini dibayarkan kepada Tertanggung berdasarkan kuitansi asli yang dikeluarkan oleh dokter yang melakukan perawatan atau pengobatan tersebut. Jumlah penggantian selama jangka waktu pertanggungan setinggi-tingginya sebesar Nilai Pertanggungan Jaminan C (Biaya Perawatan atau Pengobatan) Jaminan Biaya Perawatan atau Pengobatan ini juga berlaku bagi kuitansi yang dikeluarkan oleh pengobatan alternatif (sinshe) yang berizin sebesar 5% ... Full story

Notwithstanding anything contained herein, This policy is extended to cover loss of or damage to fine arts and collectible objects of every description including but not limited to paintings, drawings, prints, rare books and manuscripts, rugs, tapestries, antique furniture, sculpture, ceramics, but excluding jewelry, jade, gemstones, precious stones, precious metals, bullion, furs, watches, gold or silver objects These ... Full story

Coverage provided by this policy does not apply to any liability arising out of or contributed to by any complete or partial failure to supply water.   Full story

Coverage provided by this policy does not apply to any liability arising out of or contributed to by any complete or partial failure to supply electricity/gas.   Full story

It is hereby declared and agreed that in consideration of the agreement to issue this Policy for a period longer than twelve (12) months subject to premium payable in accordance to the premium payment condition, the Insurers reserve the rights to review and amend the terms and conditions at each twelve (12) months anniversary date.  The Insurers and ... Full story

Dengan ini dicatat dan disetujui bahwa dengan adanya tambahan premi, polis ini akan memberikan santunan ganda dalam hal kematian atau cacat tetap yang diderita yang terjadi ketika : sebagai penumpang yang sah dari angkutan umum berada didalam bangunan yang sedang terbakar tersambar petir Full story

Dengan ini dicatat dan disetujui bahwa dengan adanya tambahan premi, polis ini juga menjamin risiko kematian atau cacat tetap yang diderita sebagai akibat dari penganiayaan, penyiksaaan dan pembunuhan yang dilakukan oleh pihak lain. Full story

The premium shown on the Policy Schedule is the minimum and deposit premium for this policy for the full policy term. On the expiry of each period of insurance the premium shall be calculated at the rate quoted on the total sum insured or the total of the values declared or deemed to have been declared. If the final premium is ... Full story

CLAUSE 4.15 LIGHTNING EXTENDED COVER It is hereby noted and agreed that subject to the Insured having paid  the agreed additional premium, this insurance shall cover loss of or damage to electrical machinery, electrical or electronic equipment and electrical installation insured under this Policy directly caused by lightning. The Insured shall bear ... Full story

CLAUSE 4.14 SMOKE EXTENDED COVER It is hereby noted and agreed that subject to the Insured having paid  the agreed additional premium, this insurance shall cover loss of or damage to the property insured under this Policy caused by smoke arising from a fire provided that the cause of the fire which produces the smoke ... Full story

CLAUSE 4.13 SELF COMBUSTION EXTENDED COVER Subject to the provisions provided hereunder, it is hereby noted and agreed that subject to the Insured having paid  the agreed additional premium, this insurance shall cover loss of or damage to the property insured under this Policy caused by self combustion  or self heating to such property.... Full story

CLAUSE 4.12 SHORT CIRCUIT EXTENDED COVER It is hereby noted and agreed that subject to the Insured having paid  the agreed additional premium, this insurance shall cover physical damage to any one unit of electrical or electronic equipment, except electrical or electronic equipment used for household purposes, stated in the Schedule, caused by short ... Full story

It is noted and agreed that the cover relating to impact of vehicles shall include vehicles owned or used by the Insured.   KLAUSUL AKIBAT TERTABRAK KENDARAAN SENDIRI Dengan ini dicatat dan disetujui, bahwa jaminan akibat tertabrak kendaraan-kendaraan termasuk tertabrak kendaraan yang dimiliki atau yang digunakan oleh Tertanggung sendiri. Full story

Warranted that during the currency of this Policy the said factory be silent and that the machinery be not worked, except for the purpose of keeping it in good order no material being passed through it and that no repairs whatever to machinery be carried on and that no material or goods except spare machinery and/or accessories be stored in the ... Full story

Workmen are allowed in and about any of the described premises for the purpose or making new erections or alteration, repair, decoration, plant installation, general maintenance and the like without prejudice to the terms and conditions of the Policy.   KLAUSUL PEKERJA Para pekerja diperkenankan berada di dalam dan di ... Full story

In the event of the Insured’s Property being left loaded in vehicles or freight containers overnight while in, on or about the premises hereby insured the Insurer will indemnify the Insured for the loss of or damage to such Property caused by fire or any other peril insured hereby, providing always that the Insurer’s Liability shall not exceed the sum insured ... Full story

The insurance by this Policy extends to include tenants improvements and alteration to Landlord’s property insofar as the Insured is responsible therefore. KLAUSUL PERBAIKAN OLEH PENYEWA Pertanggungan dibawah Polis ini diperluas termasuk  perbaikan dan perubahan-perubahan yang dilakukan Tertanggung sebagai Penyewa atas harta benda milik Pemilik Tanah, sepanjang Tertanggung bertanggung jawab untuk hal tersebut.... Full story

Warranted that during the currency of this Policy no part of the premises described herein be used for manufacture or deposit or storage of merchandise. KLAUSUL KEWAJIBAN TERTANGGUNG (WARRANTY) TENTANG PENYIMPANAN BARANG Dijamin oleh Tertanggung, bahwa selama masa berlakunya Polis tidak akan ada bagian lokasi yang disebutkan dalam Polis ... Full story

The insurance by this Policy relating to machinery and equipment extends to include telephone, gas, water and electric instruments, meters, piping, cabling and the like and accessories thereof including similar property in adjoining yards or roadways or underground all the property of the Insured or of suppliers or others for which the Insured are responsible provided their values are included in ... Full story

It is noted and agreed that in respect of goods sold but not yet delivered for which the Insured is responsible and with regard to which under the written or printed conditions of sale the Sale Contract is cancelled by reason of the loss or damage indemnified by this Policy either wholly or to the extent of the loss or damage, ... Full story

The insurance by each item under buildings is understood to include walls, gates and fence, small outside buildings, extensions, annexes, exterior staircase, fuel installations, steel or iron framework and tanks in the said premises and the insurance by each item under contents extends to contents of each outbuilding, provided their values are included in the sum insured.... Full story

In case of damage to property bearing brands labels and trademarks the sale of which carries in any way a guarantee of the Insured, the salvage value of such damaged property shall be determined after the removal in the customary manner of all brands labels and trade marks which might be taken to indicate that the guarantee of the Manufacturer or ... Full story

It is understood and agreed that in the event of removal of property from one building to another at any of the situations covered by this Policy being inadvertently not advised to the Insurer, the insurance on such property shall follow removal, the necessary adjustments in Sum Insured and premium being made as from the date of removal as soon as ... Full story

Certain of the Property insured may be the subject of hire purchase lease or other agreements and the interest of the other parties to these arrangements is noted in this insurance, the nature and extent of such interest to be disclosed by the Insured in the event of damage. KLAUSUL KEPENTINGAN BERSAMA Sebagian ... Full story

It is hereby understood and agreed that the reasonable charges raised by any local authority for the provision of Fire Fighting Appliances called for the purpose of protecting the premises shall be recoverable hereunder. KLAUSUL BIAYA PEMADAMAN KEBAKARAN Dengan ini diketahui dan disetujui, bahwa biaya-biaya yang wajar dan layak, yang timbul ... Full story

The indemnity granted by this Policy extends to include clothing and/or personal effects of the employees of the Insured for an amount not exceeding Rp 500,000 in respect of any one employee and for an amount not exceeding in the aggregate Rp 10,000,000. KLAUSUL BARANG-BARANG MILIK PRIBADI PEGAWAI Ganti rugi yang dijamin oleh ... Full story

For the purpose of determining, where necessary, the definition of any property insured hereby the Insurer agrees to accept the designation under which such property has been entered in the Insured’s books. KLAUSUL PENAMAAN HARTA BENDA YANG DIPERTANGGUNGKAN Untuk menentukan, dimana perlu, definisi harta benda yang dipertanggungkan di sini, Penanggung setuju untuk menerima, ... Full story

The insurance by this Policy extends to cover the cost of re-erecting, fitting and fixing machinery or plant destroyed or damaged by fire or by any other peril hereby insured against providing always that the liability of the Insurer shall not exceed the sum insured of such machinery or plant under this Policy. KLAUSUL BIAYA PEMASANGAN ... Full story

This insurance includes cover for computer system records but only for the value of the materials together with the cost of clerical labour and computer time expended in reproducing such records (excluding any expenses in connection with the production of information to be recorded therein) and not for the value to the Insured of the information contained therein for an amount ... Full story

The insurance is extended to cover direct loss or damage to the described property caused by acts of destruction executed by order of any Public Authority at the time of and only during a conflagration to retard the spread thereof, and subject to all other terms and conditions of this Policy. This Insurer shall not be liable, however, for more than ... Full story

If branded or labelled merchandise covered by this Policy is damaged, and the Insurer elects to take all or any of such merchandise at the agreed or appraised value, the Insured may, at his own expense, stamp “salvage” on the merchandise or its containers or may remove the brands or labels, if such stamp or removal of brand or  label will ... Full story

Awnings, blinds, signs or other outdoor fixtures or fittings of any description are covered by this Policy provided that the Insurer’s liability under this extension shall be on first loss basis, not in the aggregate to exceed Rp 50,000,000 KLAUSUL PERLENGKAPAN DI LUAR BANGUNAN Tambahan atap luar, kerei, papan nama atau perlengkapan lainnya ... Full story

Minor alterations, additions and repairs to building, plant fixtures and fittings, and machinery (exclusive of any Sprinkler Installations) and minor works in progress are allowed and the insurance by this Policy shall not be prejudiced by this. The value of such alterations, additions and repairs shall not exceed 2.5% of Total Sum Insured.... Full story

Notwithstanding anything contained in the printed conditions of the Policy to the contrary, it is noted and agreed that this Insurance shall not be prejudiced in the event of any alterations being made to the property insured whereby the risk of damage is increased, provided that notice of such alterations be given to the Insurer within 60 (sixty) days of the ... Full story

  In consideration of the premium by this Policy being provisional in that it is calculated on 75% of the sum insured hereby and is subject to adjustment on expiry of each period of insurance: a) The insured agrees to declare to the Insurer in writing the value of his stocks (other than retail), less any amount insured by ... Full story