7/23/2019 Modul Asuransi

1/66

QKM NGFG_@ 5 BIKOENF

Bc. Dr. Qigtiki Ni. 57 Tgcz. :1?5+8

7/23/2019 Modul Asuransi

2/66

Kidwc Zridwmt` Zgroenmen2 Kgkehek` Zgrwqeheen Eqwrenq` ?

TGCEH D@QEHMENDEN D@\G_@L@MEQ@ KIDWC ZGKOGCEBE_EN

Zede Tenffec YYYYYYYYYYYYYYYYYY

Icgh

Mgtwe Mikzgtgnq` Mgbwrwen (M1) Fwrw Kete Zgceberen

ZG_OENMEN

TWT@M HE_@ET@# Q.Zd HEL@Q KW&EDDEO# Q.Zd

N@Z.50

7/23/2019 Modul Asuransi

3/66

Kidwc Zridwmt` Zgroenmen2 Kgkehek` Zgrwqeheen Eqwrenq` 1

METE ZGNFENTE_

_eqe qpwmwr penf decek mek` qekze`men mg hed`ren Twhen Penf Kehe Zgkwreh# mergne

ogrmet mgkwrehenNpe kidwc `n` dezet mek` qgcgqe`men qgqwe` penf d`herezmen. Decek kidwc`n` mek` kgkoeheq mikzgtgnq` deqer kgnfgnec zgrwqeheen eqwrenq` qwetw mikzingn

mikzgtgnq` mgbwrwen penf herwq d`mweqe` q`qve QKM Mgceq X@ Mikzgtgnq` Mgehc`en Zgroenmen

d` qgkgqtgr mgdwe.

Ogqer herezen kidwc `n` dezet d`kenleetmen q`qve wntwm kgn`nfmetmen zgkeheken

emwntenq` mhwqwqnpe decek kgnf`mwt` kete zgceberen zgrwqeheen kidec |gntwre. Tgrcgo`h

q`qve d` QKM penf qgnent`eqe d`twntwt kgk`c`m` mgtrekz`cen qgce`n zgnfgtehwen d`o`denf

mikzgtgnq` penf d`ekzwnpe. Qgh`nffe mgogredeen kidwc `n` d`herezmen kekzw kgkoentw

q`qve wntwm kgnaeze` hec tgrqgowt.

Decek zriqgq zgnpwqwnen kidwc `n` zwce# o`ko`nfen# erehen# mirgmq` den qeren tgceh zwce

d`ogr`men icgh ogroefe` z`hem# den wntwm `tw reqe tgr`ke meq`h penf decek+deceknpe mek`

qekze`men2

Drq. Qwzr`ped`# K.Mgq# qgcemw Mgzece QKM Ngfgr` 5 Bikoenf Twt`m Her`et`# Q.Zd qgcemw Mgtwe Mikzgtgnq` Mgbwrwen Zgroenmen _gmen+rgmen fwrw penf tgceh oenpem kgkogr`men keqwmen wntwm kidwc `n`. @qtr` den enemmw penf qgnent`eqe kgkogr`men kit`|eq` den `nqz`req`

Qgkife mr`t`m den qeren tgtez hed`r qgoefe` zgnpgkzwrne kidwc `n`# qgh`nffe kekzw

kgnbed` cgo`h qgkzwrne zede zgrmgkoenfen qgcenbwtnpe. Den qgcenbwtnpe# dgk`m`en kidwc `n`

qepe owet# qgkife ogrkenleet.

Bikoenf# 54 Benwer` ?:5?Zgnpwqwn

Hel`q Kweddeo# Q.Zd.N@Z. 508?5:???:55:55::7

7/23/2019 Modul Asuransi

4/66

Kidwc Zridwmt` Zgroenmen2 Kgkehek` Zgrwqeheen Eqwrenq` 4

DELTE_ @Q@

Heceken Bwdwc .................................................................................................................... 5Cgkoer Zgnfgqehen ........................................................................................................... ?Mete Zgnfenter ................................................................................................................... 1Delter @q` .............................................................................................................................. 4

OEO @ MINQGZQ@ DEQE_ EQW_ENQ@E. Dglgn`q` Eqwrenq` .........................................................................................................