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  • Materi 1

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    Nurul Rifqah Fahira
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    The document discusses financial protection through insurance and risk management. It defines different types of risks like pure risk, fundamental risk, speculative risk, and individual risk. It explains that insurance is a tool for managing risks by transferring risks from one party to an insurance company in exchange for a premium. Various types of insurance are mentioned like life insurance, health insurance, car insurance, property insurance, and others. The key message is that financial planning starts with a strong foundation of protection against basic and unavoidable risks, followed by saving to ensure funds for specific purposes and diversifying investments over time to accumulate wealth.

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    The document discusses financial protection through insurance and risk management. It defines different types of risks like pure risk, fundamental risk, speculative risk, and individual risk. It explains that insurance is a tool for managing risks by transferring risks from one party to an insurance company in exchange for a premium. Various types of insurance are mentioned like life insurance, health insurance, car insurance, property insurance, and others. The key message is that financial planning starts with a strong foundation of protection against basic and unavoidable risks, followed by saving to ensure funds for specific purposes and diversifying investments over time to accumulate wealth.

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    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
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    Download as pdf or txt
    7 views10 pages

    Materi 1

    Uploaded by

    Nurul Rifqah Fahira
    The document discusses financial protection through insurance and risk management. It defines different types of risks like pure risk, fundamental risk, speculative risk, and individual risk. It explains that insurance is a tool for managing risks by transferring risks from one party to an insurance company in exchange for a premium. Various types of insurance are mentioned like life insurance, health insurance, car insurance, property insurance, and others. The key message is that financial planning starts with a strong foundation of protection against basic and unavoidable risks, followed by saving to ensure funds for specific purposes and diversifying investments over time to accumulate wealth.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as pdf or txt
    of 10

    Financial Protection

    Insurance and Risk Management

    Rahma Mulyani
    Kenapa
    Kita Butuh
    Asuransi?

    2
    WHY INSURANCE?

    Protecting what we have


    and
    Preparing for the Unexpected..

    RESIKO

    3
    Jenis-Jenis Resiko

    Resiko Murni Resiko Fundamental


    Loss or Breakeven External Factor

    Resiko Spekulatif Resiko Individu


    Gain/ Loss/ Breakeven Personal Financial
    Impact

    Resiko Khusus Resiko Harta


    Local Impact Risiko dalam asuransi adalah "ketidakpastian akan terjadinya (Property Risk)
    suatu peristiwa yang dapat menimbulkan kerugian ekonomis".
    4
    4 Langkah Pengelolaan Resiko

    4. Pengelolaan Resiko

    3. Prioritisasi

    2. Analisa Resiko

    1. Identifikasi Resiko
    ASURANSI sebagai alat Pengelolaan Resiko
    Mengalihkan/transfer resiko dari satu pihak ke pihak lain (perusahaan asuransi)

    Insured Insurance

    Premium

    Risk Cover

    6
    ASURANSI
    Life Insurance General Insurance
    (Asuransi Jiwa) (Asuransi Kerugian/Umum)

    Traditional Life Insurance Travel Insurance


    01 Term Life 05 Short Trip
    Whole Life Annual Trip
    Endowment

    Health Insurance Car Insurance


    02 Inpatient 06 All Risk
    Outpatient Total Loss Only
    Critical Illness.

    Unit Linked Property/ Asset Insurance


    03 Whole Life Insurance with Unit Link 07 Home Insurance
    Furniture

    Credit Others
    04 Credit Shield
    08 Crime
    Accident
    Perlindungan yang tepat di setiap tahap Kehidupan

    Childhood – Single Life Family Life Old Age Extended Family


    Teenage • Work Life / Start • Get Married Retirement Asset Transfer
    Business • Have Children Health Coverage Legacy Planning
    • Daily Needs
    • Daily Necessity • Single Income Daily Necessity Estate Planning
    • Health
    • Lifestyles • Support Parents
    Coverage
    • Education Fund • Acquired 1st Asset
    Lifestyles (Car,/ House, etc)
    •
    • Investment Wealth Transfer

    Wealth Accumulation

    Basic Protection
    8
    Perencanaan
    Keuangan dimulai
    dengan Pondasi
    Ya n g K u a t

    GROW
    Diversifikasi/
    Akumulasi Asset

    SAVE
    Kepastian tersedianya Dana
    untuk tujuan tertentu

    PROTECT
    Proteksi terhadap Resiko Dasar dan Resiko tak
    terhindarkan (Unavoidable Risks)

    9
    Hidup itu bukan tentang
    Bagaimana Nanti?
    Namun Pikirkan
    Nanti Bagaimana?

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