√ The Definition of Insurance Premiums, Their Functions and Factors (Discuss Completely)

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Definition of Insurance Premium, Its Functions and Factors (Discuss Completely) - For the discussion this time we will start discussing insurance premiums. Do you already know about the meaning of insurance premiums? if the readers don't know it yet, they should keep reading this article.

Definition of Insurance Premium, Its Functions and Factors (Discuss Completely)

Of course we often hear about insurance, insurance is one thing that not many people know, especially those who live in rural areas. Because insurers who are usually more dominant in using it are people from the upper middle class and usually also obtained by employees from the company, but this time we will discuss premiums insurance. For that, let's find out together through the explanation that this article will provide. Immediately, we start the discussion which will explain below.

Understanding Insurance Premiums

Insurance premium is an amount of money that must be paid every month from the insured for participation in insurance. The amount of money that must be paid for the participation of the insured party to the insurance has been determined by the insurance company by taking into account a condition of the insured party.

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Insurance Premium Function

  1. The function of the insurance premium is to be able to restore the condition of the insured in the event of a bankruptcy so that it can return to the state before bankruptcy occurred.
  2. The customer or the insured can determine the amount of the premium to be paid according to his ability.
  3. The customer can also determine the amount of the sum insured according to what he needs.

Insurance Premium Factor

Apart from the explanation that has been given, there is also a further explanation about the factors of the insurance premium which are divided into 2 factors which will be explained below.

1. External Factors, are factors that come from outside, including:

  1. The condition of an economy
  2. Competition with other companies
  3. And also government regulations
Definition of insurance premiums, functions and factors are complete

2. Internal factors, are those that come from within, among others.

  1. Conditions of an insured
  2. Type of goods or facilities insured
  3. Type of tool for measuring insured goods
  4. Way of transporting goods
  5. And the period of coverage

That's all the explanation we can give about Definition of Insurance Premium, Its Functions and Factors (Discuss Completely), insurance is an important thing to anticipate an unwanted event, hopefully this is useful 🙂

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