Tips from Duitpintar So You Don't Get Disappointed After Choosing an Insurance Broker

In addition to insurance policies and premiums, there are insurance brokers who are also no less important to know their roles and responsibilities. Insurance brokers serve as institutions that help insurance customers (policyholders) to obtain their rights, such as assisting in the claim process to disbursement of claims against insurance companies.

Based on POJK Number 70/POJK.05/2016 concerning The Sale and Purchase of Insurance, the insurance broker acts as a consultant and/or as an intermediary in the closing of insurance both conventional and sharia and handling the settlement of claims by acting on behalf of the insured or policyholder.

Generally, insurance brokers have a variety of insurance options, including health insurance, life insurance, and insurance. All types of insurance certainly have their own functions.

Duitpintar as an insurance broker as well as a trusted online insurance product marketplace that is registered and licensed by the Financial Services Authority (OJK), provides a detailed explanation of insurance brokers, insurance options, to the duties and responsibilities of insurance brokers.

1. Car Insurance

Car insurance is an insurance that every owner of a four-wheeled vehicle must have. The reason is, the cost of servicing a car can be up to millions of rupiah, especially if you have to tune and replace all kinds of spare parts.

Whether it's because of the fault of other drivers, because the age of the car is starting to age, or because of the fault of the driver himself, it will cause the vehicle to have problems.

Therefore, think of paying a car insurance premium as savings for the period during which you have to service the car later.

2. Health Insurance

In addition to not knowing when we will experience health problems, health costs that continue to increase quite high every year make you obliged to anticipate with health insurance.

Health insurance is the best choice for those of you who want to get the best quality medical care without having to pay in advance at once.

3. Life Insurance

Life insurance is the most appropriate way if you don't want to leave your family in a shaken financial situation. This type of insurance is generally followed by each head of the family, so that family members who will be left behind can still get compensation from the premiums paid every month.

There are still many Indonesians who think life insurance is tantamount to hoping that the policyholder will die quickly. This kind of thinking is very wrong.

Life insurance is precisely a preventive measure to prevent your family from experiencing financial difficulties after being left behind by the head of the family.

What Is an Insurance Broker?

An insurance broker is an institution or professional body whose job is to assist the insurance customer to obtain his full rights to the insurance company in which the customer is the party holder.

The insurance broker must protect the interests of the insurance customer, in order to truly get his rights from the insurance company without being deducted in the slightest.

In addition, the insurance broker also helps the customer in taking care of matters related to the insurance he registered. Starting from administration, making claims, to taking care of contracts and so on.

Insurance brokers also referred to as insurance brokers are also government-formed bodies and cannot be reimbursed by individuals. It should really be an institution that works under the government.

Duties and Responsibilities of an Insurance Broker

Insurance Brokers have duties and responsibilities that must be carried out in the interests of the customer or insurance policyholder. What are they? The following is a full explanation of the duties of an insurance broker:

Introducing Risk Management Strategies to Clients

Insurance Brokers are obliged to explain risk management strategies. The goal is that the client can choose the right insurance according to the client's condition, including adjusting the financial condition because in insurance there are premiums that must be paid every month.

If the customer chooses the wrong insurance, it is not impossible if in the future it will be difficult to pay premiums in the future because it is considered too high.

Creating an Insurance Contract

Insurance brokers are also in charge of making insurance contracts that suit customer needs.

That way, insurance brokers must understand what customers need related to the insurance they want to have.

Helping Customers Choose a Safe Insurer

Insurance Brokers are obliged to ensure that customers or clients can choose a safe insurance insurer. The point is, the broker must be able to guarantee that customers are not wrong in choosing an insurance company.

Because in reality there are still many fake companies that are not registered with the Financial Services Authority or OJK. Well, the broker's job is to guarantee customers not to get illegal insurance.

Taking Care of Administration

Not always customers understand about the administration of insurance. Now the duty of the Insurance Broker is as a customer representative to manage all insurance program administration.

Not only that, insurance brokers can also help negotiate insurance claims if needed and help customers get the appropriate premium level.

In addition to the duties above, in the Financial Services Authority Regulation (PJOK) several roles and authorities of insurance brokers are also explained, namely:

• The right to collect premiums representing the interests of the insurer.

• Must provide advice to the insured party or the insurer even if it is not requested.

• Accompany the insured's lawyer if at any time they have to deal with the law.

• The broker reserves the right to prosecute third parties based on a power of attorney with and or on behalf of the insured party.

• And many more

a plague of explanations about insurance brokers. So, for those of you who want to join insurance but don't know where to start, contacting Duitpintar can be the right first step.