Insurance Indonesia

When the financial crisis culminate this month, world stock markets anjlok and several global financial institutions go bankrupt, Indonesia's financial industry is not sterile from the shock. Then appears a question, whether the insurance industry in Indonesia are good?

The answer: Yes. Insurance industry did not pooh-pooh the crisis, but not panic about the situation even worse. Because of that, insurance companies in the country, shock-resistant, even in the worst situations, such as the monetary crisis of 1998.

These accounts of the Bureau Chief Perasuransian Bapepam-LK Jesus Rachmatarwata, gonjang-ganjing in the capital market in some time last no significant impact on the decrease in the risk based capital (RBC) because of portfolio investment in shares of low only 5% -7%. RBC is the most important indicator in measuring the solvency of insurance companies.

"We have yet to see a decrease in the extraordinary. Currently, the placement of major investment in life insurance stocks are not too large, its impact on the RBC is not too significant, but some are decreasing, "said Jesus.

RBC still with the firm, means the ability to guarantee insurance policy is also high. So, for the policyholders, both for insurance losses and soul, I need a global financial crisis indefinite berimbas will be bad for the future of their investment.

Of course, precautions should still maintained. Would that, if the policyholder continue to monitor the development of information and reluctant to request an explanation for the accuracy of the data from the investment they have to cultivate and protect the trust has been in the insurance company.

How to invest in insurance companies of the country's debt (SUN), which decreased in value? According to Jesus, Protected enough insurance rules that allow insurance companies as a SUN-owned securities to maturity. "Therefore, in fact Valuation Valuation companiesare more stable."

With the situation such as this appears bright point for the policyholder does not need to panic in the face of the situation. Of course, insurance companies also do not stay silent in the risk of investment.

Another no less importance is the need for understanding the policyholders berasuransi that it must berhorison long term.

Incidents that moment, when the madcap take, for example, with the funds, with their only loss. Of course, is very naive to say ripple-crisis will not sign up to the Indonesian economy. Really, trading shares in the Indonesian Stock Exchange was closed for three days and the bank began searching for sources of liquidity difficulties.

However, the government has also bahumembahu minimize the impact of various regulations to strengthen market confidence. In crisis conditions, the coordination of all parties is absolutely necessary. The result, once opened Monday last week, Indonesia's stock market moving back positive. The community also do not panic, so do not take a step-langah that confuse the situation with the funds in the bank, and withdraw their insurance policy suddenly.

Throughout the week Joint Stock Price Index rose slowly. The government's decision to raise the value of underwriting 20 kalilipat to Rp2 billion, is also very positive for the insurance industry. This step means that the company lessen the risk of investment in the insurance deposits. Why is the development of financial markets so crucial in the insurance industry?

This is not casual insurance products have been developed in such a way, particularly for life insurance. Insurance Sintesa yield between investment protection as well. Furthermore, we know what is called unit-linked, a service that combination with protection of investment with certain underlying assets such as stocks, money markets, bonds, to products such as banking deposits. Knowing more closely the development of financial markets will be very useful for this industry to continue to exist. At the same time, this will encourage more policyholders to identify risk. In terms of investment known high risk high return, the higher the risk the higher the potential yield that can be achieved.

Of course, this has fully realize. For the insurance industry, the development has advanced to give hope to contemplate a better future. First to see if public awareness of Indonesia to protect their lives and physical assets they continue to grow over time. When that very data, at least now has a population of 7 million life insurance policy. At the same time, insurance companies are also increasingly creative products according to customer needs. Insurance companies and policyholders, has been bersimbiosis such a way and establish ties of mutual benefit in all situations