11 September, 2025
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1098
Klausula Polis
-
Business Interruption
- Accountants / Auditors Clause
- Accumulated Stocks
- Additional Increase in Cost of Working Clause
- Adjustment of Premium
- Alternative Basis Clause
- Alternative Trading Clause
- Automatic Increasing Clause
- Book Of Account Clause
- Books of Account
- Closure by Order of Public Authority
- Closure by Public Authorities Clause
- Customers Extension
- Denial of Access Clause
- Denial of Access Non-damage Clause
- Departmental Clause
- Depedency Clause
- Designation of Accountant
- Evacuation Expenses
- Failure of Public Electricity Supplies Clause
- Government Underwriters Due Diligence
- Gross Profit
- Interruption of Civil Authority
- Leeway Clause
- Liquidation Clause
- Murder, Assaults and Suicide Extension
- Port Blockage Clause
- Rebate Clause
- Return of Premium Clause
- Salvage Sale Clause
- Standing Charges Clause
- Suppliers’ / Customers’ Premises Clause
- Temporary Operation
- Transit Clause (BI)
- Turnover / Output Clause
- Waiver of Deductible
-
Earthquake
- Accumulation of Stocks Clause
- Aircraft Damage Extension
- Alterations and Additions Clause
- Architect’s and Surveyor’s Fees Clause
- Asbestos Exclusion Clause
- Automatic Addition Location Clause
- Automatic Cover for New Location and/or Increase of Sum Insured Clause
- Automatic Increasing Sum Insured Clause
- Breach of Conditions Clause
- Business Interruption Clause
- Car Park Facilities
- Change of Product Clause
- Claim Deductible Clause
- Claim Mitigation Clause
- Claim Payment Clause
- Claim Preparation Expenses
- Clause 4.12 Short Circuit Extended Cover
- Clause 4.15 Lightning Extended Cover
- Co-Mingling Clause
- Collision with Land and Vehicle (Including Own Vehicle)
- Combined Single Limit Endorsement
- Computer Related Malfunction Exclusion
- Control of Property Clause
- Customers Goods Clause
- Depreciation of Undamaged Stock
- Description of Property Insured Clause
- Destruction of Sound Property Clause
- Deterioration of Stock Clause
- Discounts for Voluntary Deductibles
- Earthquake Exclusion Clause
- Electrical Installations Clause
- Endorsemen Definisi Terorisme dan Sabotase
- Exhibition Risk Clause
- Expiry Date Clause
- Extended Impact Damage
- Extended Impact Damage Clause
- Failure of Public Utility Clause
- Fire Fighting Expenses Clause
- Food and Drink Risk
- Full Explosion Clause
- Klausul Administrasi Barang Dagangan Tanggungan Sendiri (No.16)
-
Engineering
- (LEG 2) Design Cover
- Additional Increase in Cost of Working
- Additional New Machinery
- All Professional Fees Clause
- Auditors Fee
- Automatic Cover for Newly Acquired Machinery Subject to 30 Days Notification Loss – With Additional Premium
- Automatic Increase Cause
- Automatic Increase Value Clause
- Basic of Indemnity Clause
- Basis of Loss Settlement
- Biological or Chemical Material Exclusion Clause
- Boiler Explosion Clause
- Change of Product
- Choice of Law and Jurisdiction Clause
- Clearance of Debris
- Contracts Rights and Liabilities
- Cost of Recompiling Records Preparing Claims Clause
- Cost of Rewriting Record and Claim Preparation Clause
- Cost of Temporary Protection Clause
- Cover for Existing / Surrounding Property
- Coverage
- Cross Liability
- Cyber Liability Exclusion
- Cyber Liability Risk Exclusion Clause
- Cyber Non-Aggregation Clause – NMA 2915
- Cyber Virus Exclusion – Electronic Data Endorsement A
- Defunct Spare Clause
- Dewatering Clause
- Duties Clause
- Electronic Communication Clause
- Electronic Equipment and/or Device Endorsement
- Event Definition
- Existing Property Belonging to or Hold in Care Custody Control
- Existing Structures and Surrounding Property
- Extra Contractual Obligation Exclusion Endorsement
- Failure of Public and or Private Supplies (Subject to Time Excess)
- Fines, Penalties and Punitive Exemplary Damages Exclusion
- Fire Brigade Cost Clause (Limit Rp. 500.000.000,00)
- Fire Extinguishing Appliances Warranty (Limit Rp. 500.000.000,00)
- Fire Extinguishing Cost Clause
- Forfeiture of Rights to Indemnification Clause
- Good in Storage Clause
- Important Notice
- Improvement and Betterment Clause
- Increase Value Clause (Limit 10% of Loss)
- Industries, Seepage, Pollution and Contamination Exclusion
- Infectious Diseases and Closure Extension
- Insured’s Consultant Clause
- Interdependency Extension
- Interpretation Clause
- IT Hazard Clarification Clause – NMA 2912
- Jurisdiction Clause (Indonesian)
- Maintenance Cover
- Malicious Damage Clause
- Marine Latent Damage Clause
- Material Damage Proviso Waiver Clause
- Microorganism Endorsement (Toxic Mould Exclusion Clause)
- MICROORGANISM EXCLUSION (MAP) (ABSOLUTE)
- Mold and Fungi Endorsement Clause
- MR 001 – Cover for Loss or Damage due to Strike, Riot and Civil Commotion (SRCC)
- MR 002 – Cover for Cross Liability
- MR 003 – Maintenance Visits Cover
- MR 004 – Extended Maintenance Cover
- MR 005 – Special Conditions Concerning the Construction and/or Erection Time Schedule
- MR 006 – Cover of Extra Charges for Overtime, Night Work, Work on Public Holidays, Express Freight
- MR 007 – Cover of Extra Charges for Airfreight
- MR 008 – Warranty Concerning Structures in Earthquake zones
- MR 009 – Exclusion of Loss, Damage or Liability Due to Earthquake
- MR 010 – Exclusion of Loss, Damage or Liability Due to Flood and Inundation
- MR 011 – Serial Losses
- MR 012 – Exclusion of Loss, Damage or Liability due to Windstorm or Wind-Related Water Damage
- MR 013 – Property in Off-Site Storage
- MR 100 – Cover for Testing of Machinery and Installations
- MR 1000 – Cover for Loss of Profits following Loss or Damage Covered under Civil Engineering Completed Risks Insurance (CECR)
- MR 101 – Special Conditions Concerning the Construction of Tunnels and Galleries
- MR 102 – Special Conditions Concerning Underground Cables, Pipes and Other Facilities
- MR 103 – Exclusion of Loss of or Damage to Crops, Forests and Cultures
- MR 104 – Special Conditions Concerning the Construction of Dams and Water Reservoirs
- MR 105 – Cover for Existing Structures and/or Surrounding Property
- MR 106 – Warranty Concerning Sections
- MR 107 – Warranty Concerning Camps and Stores
- MR 108 – Warranty Concerning Construction Plant, Equipment and Machinery
- MR 109 – Warranty Concerning Construction Material
- MR 110 – Special Condition Concerning Safety Measure with Respect to Precipitation, Flood, and Inundation
- MR 111 – Special Conditions Concerning Removal of Debris from Landslides
- MR 112 – Special Conditions Concerning Fire-Fighting Facilities and Fire Safety On Construction Sites
- MR 113 – Inland Transit
- MR 114 – Serial Losses
- MR 115 – Cover for Designer’s Risk
- MR 116 – Cover for Insured Contract Works Taken Over or Put Into Service
- MR 117- Special Conditions for Laying Water Supply and Sewer Pipes
- MR 118 – Drilling Work for Water Wells
- MR 119 – Principal’s Existing Property or Property Belonging to or Held in Care, Custody or Control by the Insured
- MR 120 – Vibration, Removal or Weakening of Support
- MR 1200 – Special Insurance Cover: Strike, Riot and Civil Commotion
- MR 1201 – Special insurance Cover: Extra Costs for Airfreight
- MR 1202 – Special Insurance Cover: Property Insured Taken into Use or Operation
- MR 1203 – Special Insurance Cover: Liability Consequent Upon Vibration, Removal or Weakening of Support
- MR 1204 – Special Insurance Cover: Guarantee Maintenance Cover during Defects Liability Period
- MR 1206 – Special Insurance Cover: Costs of Decontamination for Nuclear Plants
-
Fire
- 3 (Three) Years Long Term Agreement Clause
- 30 Days Notice of Cancellation Clause
- 50:50 Clause with CAR/EAR Policy
- 72 (Seventy Two) Hours Clause
- Accountant Clause
- Accountants Clause
- Accumulated Stocks Clause
- Acquired Companies and New Location Clause
- Addendum to Vehicle Impact Endorsement
- Addition and Deletion Clause
- Addition and Deletion Clause (Limit Max. 10% of Sum Insured)
- Additional Indemnities
- Additions, Deletions and Promotions Clause B
- Adjancencies Clause
- Adjustable Policy Clause II
- Adjustable Policy Clause I
- Advertising Sign Endorsement
- Advertising Signs Clause
- Aggregate Limit of Liability Clause
- Aircraft Clause
- All Other Contents
- All Other Contents Clause
- Alteration and Occupancy Clause
- Alterations and Repairs Clause
- Alterations Clause
- Alternative Accommodation
- Alternative Loss Assessment Output / Production Deficit Clause
- Amended Jurisdiction Clause
- Appraisement Clause
- Arbitration
- Architects Surveyors and Consulting Engineers Expenses Clause
- Architects, Surveyors and Consulting Engineers Fees Clause
- Auditors Charges Clause
- Automatic Addition and Deletion Clause
- Automatic Additions and Deletions Clause
- Automatic Capital Additions Clause
- Automatic Cover (Applies to Stock Only)
- Automatic Cover Clause (This Clause Applies to Stock Only)
- Automatic Cover for New Location Clause
- Automatic Extension Clause
- Automatic Increase Coverage Clause
- Automatic Reinstatement Clause
- Automatic Reinstatement of Loss
- Automatic Reinstatement of Loss Clause
- Automatic Reinstatement of Sum Insured
- Automatic Renewal
- Automobiles Clause
- Average Clause
- Average Clause – NMA 348
- Average Relief Clause
- Awnings Blinds Signs of Other Outdoor Fittings of Every Description Clause
- Bank Interest Clause
- Banker’s Clause
- Beneficiary Clause
- Book Debts Clause
- Brand and Label Clause
- Branded Stock
- Breach of Warranty Clause
- Breakage of Glasses Clause
- Burst Pipes Endorsement
- Bursting / Overflowing of Watertanks
- Cancellation Clause
- Cancellation Premium Prorata Clause
- Capital Additional Clause
- Car Park Clause
- Car Park Liability
- Car Park Liability Clause
- Casual Contractors Clause
- Civil Authorities Clause
- Claim Control Clause
- Claim Settlement Clause
- Claims Co-Operation Clause
- Claims Preparation Clause
- Clarification Agreement Clause
- Clearance Expenses
- Clearance of Debris Clause
- Coinsurance Clause
- Combined Property / Boiler Machinery Millenium Endorsement
- Communication
- Computer Installation Clause
- Computer Record Clause
- Concealed Damage Clause
- Consulting Engineer’s Fees Clause
- Contingent Physical Damage Clause
- Contract Price Clause
- Contractors
- Contribution Clause
- Cost of Re-erection Clause
- Cost of Re-writing Records & Claims Preparation
- Cost of Rewriting Records and Claim Preparation
- Customers Goods
- Cut Through Clause
- Cutting Clause
- Cyber Clause
- Damage To Fixed Glass
- Damaged Goods
- Data Distortion / Corruption Endorsement (Property)
- Debris Removal Clause
- Defective Part Exclusion
- Defective Sanitation Clause
-
Liability
- Absolute Asbestos and Silica
- Absolute Asbestos Exclusion Clause
- Absolute Lead
- Absolute Pollution Exclusion
- Additional Policy Conditions
- Advertising Matter Exclusion
- Aerial Spraying
- Aircraft Products
- Airside Liability
- Alteration and Additions to Owned or Occupied Premises
- Automatic Renewal Clause
- Automobile Liability including Passenger Legal Liability
- Blasting Exclusion Clause
- Blasting the Operation
- Breach of Conditions Warranties Clause
- Bridges Exclusion Clause
- Car Park Endorsement
- Clinical Trial Exclusion
- Commercial Visit Clause
- Computer Services-Loss of Data / Errors or Omissions Exclusions
- Construction Exclusion
- Contingency Liability to Tenants Clause
- Contingent Liability for Contractors & Sub-Contractors
- Contingent Liability for Non-Owned and Hired Autos
- Contractor Sub Contractor Clause
- Contractual Liability Clause
- Crane Operators
- Cross Liability Clause
- Custody and Control Clause
- Customer and Guest Effects Clause
- Damage to Principal’s Existing Property or Damage to Third Party or Principal’s Property under care, custody and control of the Insured
- Defective Sanitary Installation Clause
- Defective Workmanship Clause
- Defensive Sanitation Clause
- Deferred Premium Payment Warranty
- Demolition
- Demonstration / Exhibitions / Promotion Clause
- Directors and Executives Indemnity Clause
- Directors and Partners
- Directors/Executive Clause
- Diving Activities
- Electromagnetic Field Exclusion
- Employee Personal Effects Clause Including Vehicle While Parking in Premises
- Employees Liability Endorsement
- Escape of Fire
- Excluded Activities Exclusion Clause
- Fire and Explosion Endorsement
- First Aid Endorsement
- Food and Drink Poisoning Clause
- Food and Gas Poisoning
- Food Poisoning Endorsement
- Good in Trust Clause
- Guests’ Effects
- Hairdressers and Beauty Salons Exclusion Clause
- Hazardous Goods Exclusion
- Horse Riding
- Indemnity to Principals Clause
- Innkeeper’s Liability Clause
- Jurisdiction Clause
- Lead Exclusion
- Legal Representative
- Lift and Escalators Endorsement
- Loading and Unloading Clause
- Marine Liability
- Molestation Exclusion
- Neon Lights and Advertising Sign Clause
- Non Owned Automobile Vehicle Liability Clause
- Notice of Cancellation or Modification
- Oil Industries Limitation Endorsement
- Overseas Visits
- Owned Automobiles
- Participants Exclusion Clause
- Plant & Machinery Clause
- Plant and Machinery
- Plant Operation Clause
- Pollution Exclusion 72 Hour Clause
- Prescription Goods Exclusion
- Private Works for Directors and Executives
- Product and Completed Operation Liability
- Product Efficacy Exclusion, Applicable to Degussa Products Only
- Products Efficacy Exclusion
- Products Hazard Redefined Clause
- Products Liability Exclusion
- Professional Liability / Error & Omission / Design
- Professional Liability Exclusion Clause
- Property Damage to Services and Fixed Property
- Property of Guests
- Property Owners Excluding Trade Risk
- Property Owners – Alterations/Additions Exclusion
- Pure Financial Loss / Consequential Loss
- Real Property, Liability, Fire & Explosion Clause
- Removal of Sunken Objects or Wreckage
- Removal/Weakening of Supports
- Road Construction Exclusion
- Road/Footpath Construction Exclusion Clause
- Sanctions, Embargo and Prohibited Transactions
- Services and Fixed Property Exclusion
- Social and Recreational Activities Endorsement
- Social and Sporting Club Activities (Excluding Water Sport)
- Sport Activities Clause
-
Marine
- Additional Deductible Adaptation Clause – 1/10/83 – CL. 306
- Additional Deductible Adaptation Clause – 1/10/83 – CL. 307
- Builders’ Risks – Institute Clause for Limitation of Liability in Respect of Faulty Design & P. & I. – Risks – 1/6/88 – CL. 352
- Cargo ISM Endorsement
- Container Clause
- Container Demurrage Charges Clause
- Copper Coil Exclusion Warranty
- Electronic Date Exclusion Clause
- Exhibition Risks Extension Clause
- Fifty Fifty (50/50) Clause (sea/air transits)-also called Marine/Non-Marine Loss Sharing Clause
- Fitness of Container Clause
- Frozen Food Extension Clauses – 1/1/86 – Cl. 334
- Fumigation Clause
- IMTA Frozen Meat Extension Clauses – 1/1/86 – Cl. 327
- Institute Additional Perils Clauses – Hulls – 1/10/83 – Cl. 294
- Institute Additional Perils Clauses – Hulls – 1/10/83 – Cl. 301
- Institute Bridging Clause (Hulls) – 1/11/94 – CL. 302
- Institute Chemical, Biological, Bio-Chemical, Electromagnetic Weapons and Cyber Attack Exclusion Clause – 1/11/02 – Cl. 365
- Institute Classification Clause – 1/1/01 – Cl. 354
- Institute Cyber Attack Exclusion Clause – 10/11/03 – Cl. 380
- Institute Deductible Clause Builders’ – Risks – 1/12/72 – CL. 115
- Institute Machinery Damage Additional Deductible Clause – 1/10/83 – Cl. 298
- Institute Machinery Damage Additional Deductible Clause – 1/10/83 – CL. 299
- Institute Machinery Damage Additional Deductible Clause – 1/10/83 – CL. 304
- Institute Marine Policy General Provisions (Cargo) – 1/10/82 – Cl. 269
- Institute Notice of Cancellation and War Automatic Termination of Cover Clause – Hulls, etc. – 1/10/83 – CL. 201
- Institute Provisional Value Clause For Cargo Contracts – 1/5/84 – Cl. 305
- Institute Strikes Clauses (Air Cargo) – 1/1/82 – Cl. 260
- Institute Strikes Clauses (Bulk Oil) – 1/2/83 – CL. 274
- Institute Strikes Clauses (Commodity Trades) – 5/9/83 – Cl. 279
- Institute Strikes Clauses (Frozen Food) – (Excluding Frozen Meat) – 1/1/86 – 265
- Institute Strikes Clauses (Frozen Meat) – 1/1/86 – Cl. 326
- Institute War and Strikes Clauses – Freight – Voyage – 1/10/83 – Cl. 297
- Institute War and Strikes Clauses Containers – Time – 1/1/87 – Cl. 340
- Institute War and Strikes Clauses Hulls – Time Limited Conditions – 1/10/83 – Cl. 300
- Institute War and Strikes Clauses – Freight – Time – 1/11/95 – CL. 296
- Institute War and Strikes Clauses – Freight – Voyage – 1/11/95 – Cl. 297
- Institute War and Strikes Clauses – Freight –Time – 1/10/83 – Cl. 296
- Institute War and Strikes Clauses – Hulls – Time – 1/10/83 – Cl. 281
- Institute War and Strikes Clauses – Hulls – Voyage 1/10/83 – Cl. 295
- Institute War Cancellation Clause (Cargo) – 1/12/82 – Cl. 271
- Institute War Clauses (Cargo) – 1/1/82 – Cl. 255
- Institute War Clauses (Commodity Trades) – 5/9/83 – Cl. 278
- Institute War Clauses – Builders’ Risks – 1/6/88 – CL. 349
- Institute War, Atomic and Nuclear Exclusion (Cargo Reinsurance) – 1/10/82 – Cl. 270
- Institute “Three Leaders” Clause (Cargo) – 15/2/66 – Cl. 40
- Institutes Strikes Clauses – Builders’ Risks – 1/6/88 – Cl. 350
- No Survey Clause
- Open Yard Storage
- Paramount War Clause (Cargo)
- Money
-
Motor Vehicle
- Abandonment or Wreckage
- Act of God
- Act of God / Perils Extension Clause
- Agreed Value Clause
- Alteration Clauses
- Arbitrase Clauses
- Arbitrase Klausula
- Attendance Clause
- Authorized Workshop Clause
- Automatic Addition / Deletion
- Automatic Addition and Deletion Clause (30 Days)
- Automatic Inclusion of Non-Standard Equipment
- Automatic Reinstatement of Sum Insured Clause
- Automatic Repair Clause
- Basis of Loss Settlement : Reinstatement Value
- Biaya Pengobatan
- Broad Pair and Set Clause
- Cancellation Clause (14 Days)
- Capital Addition : 10 % of Sum Insured
- Civil Commotion Clause
- Claim Fast Track Clause
- Claim Interim Payment
- Clause No.29 (Total Loss)
- Clause of Third Party Legal Liability Only (Coverage E)
- Co-Insurance Clause for Heavy Equipment
- Co-Insurance Clauses
- Compliance Clause
- Constructive Total Loss (75%) Clause
- Currency Clause
- Cyber Non-Aggregation Clause
- Designation of Property Insured Clause
- Dispute Clause C
- Earthquake Volcanic Eruption and Tsunami Endorsement
- Electronic Alarm System Warranty
- Electronic Data Recognition Exclusion Clause (EDRC)
- Error and Omission Clause
- First Aid Treatment Clause
- Full Premium if Loss Clause
- Geological and Meteorological Disaster
- Hire or Reward Clause
- Immobilisation Expense Clause
- Import Value
- Inclusion of Theft with Violence
- Industries, Seepage, Pollution and Contamination Clause
- Inland Transit Clause
- Inland Transit Clause – Heavy Equipment
- IT Clarification Agreement
- Jaminan Tanggung Jawab Hukum Terhadap Pihak Ketiga Saja
- Kecelakaan Diri Pengemudi
- Kecelakaan Diri Penumpang
- Klausul Bank
- Klausul Bencana Alam
- Klausul Huru-hara
- Klausul Kecelakaan Diri
- Klausul Kendaraan Bermotor Roda Dua
- Klausul Kereta Gandeng
- Klausul Kerugian Total dan Tanggung Jawab Hukum terhadap Pihak Ketiga
- Klausul Kerugian Total Saja
- Klausul Leasing
- Klausul Tanggung Jawab Hukum Terhadap Penumpang
- Klausul Tanggung Jawab Hukum Terhadap Pihak Ketiga Saja
- Klausula Bengkel Resmi
- Klausula Harga Pertanggungan
- Klausula Huru-hara dan Pemogokan
- Klausula Kehilangan Hak Guna Pakai
- Klausula Kendaraan Completely Built Up (CBU)
- Klausula No. 1 – Kendaraan Bermotor Beroda Dua (Tidak Dipakai)
- Klausula Okupasi dan/atau Obyek yang Haram
- Klausula Pembiayaan (Tahun 2017)
- Klausula Pengecualian Pengenalan Data Elektronik
- Klausula Penggantian Suku Cadang
- Klausula Penyelesaian Sengketa
- Klausula Penyusutan Spare Part
- Klausula Peralatan Tambahan (Non Standar)
- Klausula Pertanggungan Terhadap Bahaya Kebakaran dan Pencurian
- Klausula Resiko Sendiri
- Klausula Tidak Ada Pengembalian Premi
- Leasing Clause
- Leasing Clause
- Loss Notification Clause (14 Days)
- New for Old (Six Months)
- New Replacement Value Clause
- Nominated Adjusters Clause
- Pair and Set Clause
- Passenger Legal Liability Clause
- Passengers’ Liability
- Penggantian Suku Cadang
- Perils Extension Clause
- Personal Accident Ins. In The Motor Car Coverage
- Pertanggungan Mobil Completely Built-Up
- Property Damage Clarification Clause
- Prorata Return Premium Clause (Subject to No Claim)
- Recovery Charges Clause
- Recovery Clause
- Replaceable Parts Clause
- Replacement Value Clause
- Riots, Strikes, Malicious Damage and Civil Commotion Clause
- Sister Car Clause
- Sister Heavy Equipment Clause
- Spare Part Clause
98
Peraturan Perasuransian
- Hukum Perdata
- International Law
-
Peraturan / Keputusan Menteri Keuangan
- Keputusan Menteri Keuangan Nomor 422/KMK/2003 – Penyelenggaraan Usaha Perusahaan Asuransi dan Perusahaan Reasuransi
- Keputusan Menteri Keuangan Nomor 423/KMK/2003 – Pemeriksaan Perusahaan Perasuransian
- Keputusan Menteri Keuangan Nomor 424/KMK/2003 – Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
- Keputusan Menteri Keuangan Nomor 425/KMK/2003 – Perizinan dan Penyelenggaraan Usaha Perusahaan Penunjang Usaha Asuransi
- Keputusan Menteri Keuangan Nomor 426/KMK/2003 – Perizinan Usaha dan Kelembagaan Perusahaan Asuransi dan Perusahaan Reasuransi
- Keputusan Menteri Keuangan Nomor 504/KMK.06/2004 – Kesehatan Keuangan bagi Perusahaan Asuransi yang Berbentuk Badan Hukum Bukan Perseroan Terbatas
- Peraturan Menteri Keuangan Nomor 01/PMK.010/2011 – Perubahan atas Peraturan Menteri Keuangan Nomor 74/PMK.010/2007 tentang Penyelenggaraan Pertanggungan Asuransi pada Lini Usaha Asuransi Kendaraan Bermotor
- Peraturan Menteri Keuangan Nomor 11/PMK.010/2011 – Kesehatan Keuangan Usaha Asuransi dan Usaha Reasuransi dengan Prinsip Syariah
- Peraturan Menteri Keuangan Nomor 124/PMK.010/2008 – Penyelenggaraan Lini Usaha Asuransi Kredit dan Suretyship
- Peraturan Menteri Keuangan Nomor 135/PMK.05/2005 – Perubahan atas Keputusan Menteri Keuangan Nomor 424/KMK.06/2003 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
- Peraturan Menteri Keuangan Nomor 152/PMK.010/2012 – Tata Kelola Perusahaan yang Baik bagi Perusahaan Perasuransian
- Peraturan Menteri Keuangan Nomor 158/PMK.010/2008 – Perubahan Kedua atas Keputusan Menteri Keuangan Nomor 424/KMK.06/2003 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
- Peraturan Menteri Keuangan Nomor 18/PMK.010/2010 – Prinsip Dasar Penyelenggaraan Usaha Asuransi dan Usaha Reasuransi dengan Prinsip Syariah
- Peraturan Menteri Keuangan Nomor 30/PMK.010/2010 – Penerapan Prinsip Mengenal Nasabah bagi Lembaga Keuangan Non Bank
- Peraturan Menteri Keuangan Nomor 36/PMK.010/2008 – Besar Santunan dan Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan
- Peraturan Menteri Keuangan Nomor 37/PMK.010/2008 – Besar Santunan dan Iuran Wajib Dana Pertanggungan Wajib Kecelakaan Penumpang Umum di Darat, Sungai, Laut dan Udara
- Peraturan Menteri Keuangan Nomor 53/PMK.010/2012 – Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
- Peraturan Menteri Keuangan Nomor 55/PMK.010/2012 – Perubahan atas Peraturan Menteri Keuangan Nomor 79/PMK.010/2011 tentang Kesehatan Keuangan Badan Penyelenggara Program Tabungan Hari Tua Pegawai Negeri Sipil
- Peraturan Menteri Keuangan Nomor 74/PMK.010/2007 – Penyelenggaraan Pertanggungan Asuransi pada Lini Usaha Asuransi Kendaraan Bermotor
- Peraturan Menteri Keuangan Nomor 78/PMK.05/2007 – Penilaian Kemampuan dan Kepatutan bagi Direksi dan Komisaris Perusahaan Perasuransian
- Peraturan Menteri Keuangan Nomor 79/PMK.010/2009 – Sanksi Administratif Berupa Denda dan Tata Cara Penagihannya terhadap Perusahaan Asuransi, Perusahaan Reasuransi, atau Perusahaan Penunjang Usaha Asuransi
- Peraturan Menteri Keuangan Nomor 79/PMK.010/2011 – Kesehatan Keuangan Badan Penyelenggara Program Tabungan Hari Tua Pegawai Negeri Sipil
- Peraturan Menteri Keuangan Nomor 83/PMK.03/2006 – Perubahan Keempat atas Keputusan Menteri Keuangan Nomor: 80/KMK.04/1995 Besarnya Dana Cadangan yang Boleh dikurangkan Sebagai Biaya
-
Peraturan Bapepam
- Keputusan Ketua Bapepam-LK nomor: KEP- 440/BL/2008 – Penilaian Surat Utang atau Surat Berharga Lain yang Diterbitkan oleh Negara dan Obligasi
- Peraturan Ketua Bapepam-LK Nomor:PER-01/BL/2011 – Pedoman Pelaksanaan Penetapan Prinsip Mengenal Nasabah bagi Perusahaan Perasuransian
- Peraturan Ketua Bapepam-LK Nomor:PER-03/BL/2012 – Bentuk dan Susunan Pengumuman Laporan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
- Peraturan Ketua Bapepam-LK Nomor:PER-04/BL/2011 – Referensi Unsur Premi Murni Serta Unsur Biaya Administrasi dan Biaya Umum Lainnya pada Lini Usaha Asuransi Kendaraan Bermotor Tahun 2011
- Peraturan Ketua Bapepam-LK Nomor:PER-07/BL/2009 – Referensi Unsur Premi Murni serta Unsur Biaya Administrasi dan Biaya Umum Lainnya pada Lini Usaha Asuransi Kendaraan Bermotor Tahun 2010
- Peraturan Ketua Bapepam-LK Nomor:PER-07/BL/2011 – Pedoman Perhitungan Jumlah Dana yang Diperlukan untuk Mengantisipasi Risiko Kerugian Pengelolaan Dana Tabarru’ dan Perhitungan Jumlah Dana yang Harus Disediakan Perusahaan untuk Mengantisipasi Risiko Kerugian yang Mungkin Timbul dalam Penyelenggaraan Usaha Asuransi dan Usaha Reasuransi dengan Prinsip Syariah
- Peraturan Ketua Bapepam-LK Nomor:PER-07/BL/2012 – Referensi Unsur Premi Murni serta Unsur Biaya Administrasi dan Biaya Umum Lainnya pada Lini Usaha Asuransi Kendaraan Bermotor Tahun 2013
- Peraturan Ketua Bapepam-LK Nomor:PER-08/BL/2011 – Bentuk dan Tata Cara Penyampaian Laporan Hasil Pengawasan Dewan Pengawas Syariah pada Perusahaan Asuransi atau Perusahaan Reasuransi yang Menyelenggarakan Seluruh atau Sebagian Usahanya dengan Prinsip Syariah
- Peraturan Ketua Bapepam-LK Nomor:PER-08/BL/2012 – Pedoman Perhitungan Modal Minimum Berbasis Risiko bagi Perusahaan Asuransi dan Perusahaan Reasuransi
- Peraturan Ketua Bapepam-LK Nomor:PER-09/BL/2011 – Pedoman Perhitungan Batas Tingkat Solvabilitas Minimum bagi Perusahaan Asuransi dan Perusahaan Reasuransi
- Peraturan Ketua Bapepam-LK Nomor:PER-09/BL/2012 – Pedoman Pembentukan Cadangan Teknis bagi Perusahaan Asuransi dan Perusahaan Reasuransi
- Peraturan Ketua Bapepam-LK Nomor:PER-10/BL/2012 – Laporan Aktuaris Perusahaan Asuransi dan Perusahaan Reasuransi
- Peraturan Ketua Bapepam-LK Nomor:PER-11/BL/2012 – Dukungan Reasuransi, Batas Retensi Sendiri, Serta Bentuk dan Susunan Laporan Program Reasuransi
-
Peraturan OJK
- POJK Nomor 1/POJK.05/2015 – Penerapan Manajemen Risiko bagi Lembaga Jasa Keuangan Non-Bank
- POJK Nomor 1/POJK.05/2016 – Investasi Surat Berharga Negara Bagi Lembaga Jasa Keuangan Non-Bank
- POJK Nomor 10/POJK.05/2014 – Penilaian Tingkat Risiko Lembaga Jasa Keuangan Non-Bank
- POJK Nomor 11/POJK.05/2014 – Pemeriksaan Langsung Lembaga Jasa Keuangan Non-Bank
- POJK Nomor 14/POJK.05/2015 – Retensi Sendiri dan Dukungan Reasuransi Dalam Negeri
- POJK Nomor 17/POJK.05/2017 – Prosedur dan Tata Cara Pengenaan Sanksi Administratif di Bidang Perasuransian dan Pemblokiran Kekayaan Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah
- POJK Nomor 2/POJK.05/2014 – Tata Kelola Perusahaan yang Baik bagi Perusahaan Perasuransian
- POJK Nomor 23/POJK.05/2015 – Produk Asuransi dan Pemasaran Produk Asuransi.
- POJK Nomor 28/POJK.05/2015 – Pembubaran, Likuidasi, dan Kepailitan Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Resuransi, dan Perusahaan Resuransi Syariah.
- POJK Nomor 3/POJK.05/2013 – Laporan Bulanan Lembaga Jasa Keuangan Non-Bank
- POJK Nomor 35/POJK.05/2016 – Tata Cara Penetapan Perintah Tertulis pada Sektor Perasuransian.
- POJK Nomor 36/POJK.05/2016 – Perubahan Peraturan Investasi Surat Berharga Negara Bagi Lembaga Jasa Keuangan Non-Bank
- POJK Nomor 38/POJK.05/2015 – Pendaftaran dan Pengawasan Konsultan Aktuaria, Akuntan Publik, dan Penilai yang Melakukan Kegiatan di Industri Keuangan Non-Bank.
- POJK Nomor 39/POJK.05/2015 – Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme Oleh Penyedia Jasa Keuangan di Sektor Industri Keuangan Non-Bank.
- POJK Nomor 4/POJK.05/2013 – Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Perusahaan Perasuransian, Dana Pensiun, Perusahaan Pembiayaan, dan Perusahaan Penjaminan
- POJK Nomor 5/POJK.05/2013 – Pengawasan Badan Penyelenggara Jaminan Sosial oleh Otoritas Jasa Keuangan
- POJK Nomor 55/POJK.05/2017 – Laporan Berkala Perusahaan Perasuransian
- POJK Nomor 56/POJK.05/2017 – Perubahan Kedua atas Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.05/2016 tentang Investasi Surat Berharga Negara bagi Lembaga Jasa Keuangan Non-Bank
- POJK Nomor 63/POJK.05/2016 – Perubahan Atas Peraturan Otoritas Jasa Keuangan Nomor 11/POJK.05/2016 tentang Pemeriksaan Langsung Lembaga Jasa Keuangan Non-Bank
- POJK Nomor 67/POJK.05/2016 – Perizinan Usaha dan Kelembagaan Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah
- POJK Nomor 68/POJK.05/2016 – Perizinan Usaha dan Kelembagaan Perusahaan Pialang Asuransi, Perusahaan Pialang Reasuransi, dan Perusahaan Penilai Kerugian Asuransi
- POJK Nomor 69/POJK.05/2016 – Penyelenggaraan Usaha Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah
- POJK Nomor 70/POJK.05/2016 – Penyelenggaraan Usaha Perusahaan Pialang Asuransi, Perusahaan Pialang Reasuransi, dan Perusahaan Penilai Kerugian Asuransi
- POJK Nomor 71/POJK.05/2016 – Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
- POJK Nomor 72/POJK.05/2016 – Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi dengan Prinsip Syariah
- POJK Nomor 73/POJK.05/2016 – Tata Kelola Perusahaan yang Baik bagi Perusahaan Perasuransian
-
Peraturan Pemerintah
- Peraturan Pemerintah Nomor 39 Tahun 2008 – Perubahan Kedua atas Peraturan Pemerintah Nomor 73 Tahun 1992 tentang Penyelenggaraan Usaha Perasuransian
- Peraturan Pemerintah Nomor 63 Tahun 1999 – Perubahan atas Peraturan Pemerintah Nomor 73 Tahun 1992 tentang Penyelenggaraan Usaha Perasuransian
- Peraturan Pemerintah Nomor 73 Tahun 1992 – Penyelenggaraan Usaha Perasuransian
- Peraturan Pemerintah Nomor 81 Tahun 2008 -Perubahan Ketiga atas Peraturan Pemerintah Nomor 73 Tahun 1992 tentang Penyelenggaraan Usaha Perasuransian
-
Surat Edaran OJK
- SEOJK Nomor 10/SEOJK.05/2016 – Pedoman Penerapan Manajemen Resiko dan Laporan Hasil Penilaian Sendiri Penerapan Manajemen Resiko Bagi Lembaga Jasa Keuangan Non-Bank
- SEOJK Nomor 13/SEOJK.05/2013 – Laporan Bulanan PT Taspen (Persero)
- SEOJK Nomor 13/SEOJK.05/2016 – Pelaporan Produk Asuransi Bagi Perusahaan Asuransi
- SEOJK Nomor 14/SEOJK.05/2013 – Laporan Bulanan PT Jamsostek (Persero).
- SEOJK Nomor 15/SEOJK.05/2013 – Laporan Bulanan PT Asabri (Persero)
- SEOJK Nomor 16/SEOJK.05/2013 – Laporan Bulanan PT Jasa Raharja (Persero)
- SEOJK Nomor 17/SEOJK.05/2013 – Laporan Bulanan PT Askes (Persero).
- SEOJK Nomor 17/SEOJK.05/2017 – Laporan Pelaksanaan Penempatan Reasuransi/Retrosesi
- SEOJK Nomor 18/SEOJK.05 /2016 – Pelaporan Produk Asuransi Bagi Perusahaan Asuransi Syariah dan Perusahaan Asuransi yang Menyelenggarakan Sebagian Usahanya Berdasarkan Prinsip Syariah
- SEOJK Nomor 21/SEOJK.05/2016 – Pencabutan Surat Edaran Otoritas Jasa Keuangan Nomor 24/SEOJK.05/2015 tentang Penilaian Investasi Surat Utang dan Penyesuaian Modal Minimum Berbasis Risiko Bagi Perusahaan Asuransi dan Reasuransi
- SEOJK Nomor 22/SEOJK.05/2016 – Pencabutan Surat Edaran Otoritas Jasa Keuangan Nomor 25/SEOJK.05/2015 tentang Penilaian Investasi Surat Berharga Syariah dan Perhitungan Dana untuk Mengantisipasi Risiko Kegagalan Pengelolaan Kekayaan dan/atau Kewajiban Perusahaan Asuransi Syariah dan Perusahaan Reasuransi Syariah
- SEOJK Nomor 22/SEOJK.05/2017 – Dasar Penilaian Aset dalam Bentuk Investasi dan Bukan Investasi bagi Perusahaan Asuransi dan Perusahaan Reasuransi
- SEOJK Nomor 23/SEOJK.05/2017 – Dasar Penilaian Aset dalam Bentuk Investasi dan Bukan Investasi bagi Perusahaan Asuransi dan Perusahaan Reasuransi dengan Prinsip Syariah
- SEOJK Nomor 24/SEOJK.05/2017 – Pedoman Perhitungan Jumlah Modal Minimum Berbasis Risiko bagi Perusahaan Asuransi dan Perusahaan Reasuransi
- SEOJK Nomor 25/SEOJK.05/2017 – Pedoman Perhitungan Jumlah Dana Tabarru’ dan Dana Tanahud Minimum Berbasis Risiko dan Modal Minimum Berbasis Risiko bagi Perusahaan Asuransi dan Perusahaan Reasuransi dengan Prinsip Syariah
- SEOJK Nomor 26/SEOJK.05/2017 – Persetujuan Penempatan Investasi dan Bukan Investasi pada Perusahaan Asuransi , Perusahaan Reasuransi, Perusahaan Asuransi Syariah, dan Perusahaan Reasuransi Syariah
- SEOJK Nomor 27/SEOJK.05/2017 – Pedoman Pembentukan Cadangan Teknis bagi Perusahaan Asuransi dan Perusahaan Reasuransi.
- SEOJK Nomor 28/SEOJK.05/2017 – Pedoman Pembentukan Penyisihan Teknis bagi Perusahaan Asuransi dan Perusahaan Reasuransi dengan Prinsip Syariah
- SEOJK Nomor 29/SEOJK.05/2017 – Laporan Aktuaris Tahunan Perusahaan Asuransi, Perusahaan Reasuransi, Perusahaan Asuransi Syariah, dan Perusahaan Reasuransi Syariah
- SEOJK Nomor 31/SEOJK.05/2016 – Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan Non-Bank.
- SEOJK Nomor 32/SEOJK.05/2016 – Saluran Pemasaran Produk Asuransi Melalui Kerja Sama dengan Bank (Bancassurance)
- SEOJK Nomor 37/SEOJK.05/2017 – Pedoman Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme di Sektor Industri Keuangan Non-Bank.
- SEOJK Nomor 44/SEOJK.05/2016 – Kriteria Penunjukan dan Penetapan Penggunaan Pengelola Statuter serta Pengakhiran dan Penggantian Pengelola Statuter Bagi Perusahaan Asuransi, Reasuransi, Asuransi Syariah, dan Reasuransi Syariah
- SEOJK Nomor 46/SEOJK.05/2017 – Pengendalian Fraud, Penerapan Strategi Anti Fraud, dan Laporan Strategi Anti Fraud bagi Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, Perusahaan Reasuransi Syariah, atau Unit Syariah
- SEOJK Nomor 6/SEOJK.05/2017 – Penetapan Tarif Premi atau Kontribusi pada Lini Usaha Asuransi Harta Benda dan Asuransi Kendaraan Bermotor Tahun 2017
- SEOJK Nomor 9/SEOJK.05/2017 – Produk Asuransi Mikro dan Saluran Pemasaran Produk Asuransi Mikro
- Undang-undang
64
Wording Polis
-
Aviation
- Aircraft Hull (Including Spares Engines) Deductible Insurance
- Aircraft Hull All Risks, and Aircraft Liability (Including Non-Owned Aircraft Liability)
- Aircrew Personal Accident and Loss of Licence Insurance
- Airline Hull (Including Spares and Equipment) War Risks Insurance
- Airport Owners and Operators Liability Insurance
- Aviation Refueling Legal Liability Insurance
- Aviation War, Hi-Jacking and Other Perils Excess Liability (AVN52E) Insurance
- Indonesian Aircraft Liability Insurance (Asuransi Tanggung Jawab Pengangkut Angkuran Udara Indonesia)
- Earthquake
-
Engineering
- Contractor’s All Risks – Munich Re Wording (Bilingual)
- Contractor’s Plant & Machinery (Bilingual)
- Contractors’ All Risks – Munich Re Wording
- Electronic Equipment Insurance (Bilingual)
- Erection All Risk – Munich Re Wording (Bilingual)
- Machinery Breakdown Insurance (Bilingual)
- Machinery Insurance Policy
- Polis Standar Asuransi Proyek Konstruksi
- Fire
- Liability
-
Marine
- Institute Bulk Oil Clauses – 1/2/83 – CL. 273
- Institute Cargo Clauses (A) – 1/1/82 – Cl. 252
- Institute Cargo Clauses (Air) – 1/1/82 – Cl. 259
- Institute Cargo Clauses (B) – 1/1/82 – Cl. 253
- Institute Cargo Clauses (C) – 1/1/82 – Cl. 254
- Institute Clauses for Builders’ – Risks – 1/6/88 – CL. 351
- Institute Coal Clauses – 1/10/82 – Cl. 267
- Institute Commodity Trade Clauses (A) – 5/9/83 – Cl. 275
- Institute Commodity Trade Clauses (B) – 5/9/83 – Cl. 276
- Institute Commodity Trade Clauses (C) – 5/9/83 – Cl. 277
- Institute Container Clause – Time – 1/1/87 – Cl. 338
- Institute Container Clauses – Time (Total Loss, General Average, Salvage, Salvage Charges, Sue and Labour) – 1/1/87 – Cl. 339
- Institute Frozen Food Clauses (A) – (Excluding Frozen Meat) – 1/1/86 – 263
- Institute Frozen Food Clauses (C) – (Excluding Frozen Meat) – 1/1/86 – Cl. 264
- Institute Frozen Meat Clauses (A) – 1/1/86 – Cl. 323
- Institute Frozen Meat Clauses (A) — 24 Hours Breakdown – 1/1/86 – Cl. 324
- Institute Frozen Meat Clauses (C) and 24 Hours Breakdown – 1/1/86 – Cl. 325
- Institute Strikes Clauses (Coal) – 1/10/82 – Cl. 268
- Institute Time Clauses – Freight – 1/10/83 – CL. 287
- Institute Time Clauses – Freight – 1/11/95 – CL. 287
- Institute Time Clauses – Hulls Excess Liabilities – 1/10/83 – CL. 291
- Institute Time Clauses – Hulls Total Loss Only – 1/10/83 – CL. 289
- Institute Time Clauses – Hulls – 1/10/83 – CL. 280
- Institute Time Clauses – Hulls – Disbursements and Increased Value – 1/10/83 – CL. 290
- Institute Time Clauses – Hulls – Total Loss, General Average And 3/4ths Collision Liability 1/10/83 – Cl. 284
- Institute Voyage Clauses – Freight – 1/10/83 – CL.288
- Institute Voyage Clauses – Freight – 1/11/95 – CL.288
- Institute Voyage Clauses – Hulls – 1/10/83 – Cl.285
- Institute Voyage Clauses – Hulls – Total Loss, General Average and 3/4 ths Collision Liability 1/10/83 – CL. 286
- Land and Air Transit Clause Cover A
- Land and Air Transit Clause Cover B
- Polis Standar Asuransi Pengangkutan Barang Indonesia
- Wreck Removal Insurance
- Miscellaneous
- Money
- Motor Vehicle
- Oil and Gas
- Terrorism and Sabotage