1. Obyek yang Dijamin

• Cash Money.
• Bank Notes.
• Cheque.
• Postal Orders.
• Dan obyek lain sesuai kesepakatan Tertanggung dengan Penanggung.

2.  Jenis Asuransi

• Money/Cash in Premises: Jaminan ganti rugi bila terjadi perampokan, tindak kejahatan atau perampokan selama di lokasi/premises (caused by violent and forcible entry).
• Money/Cash in Transit: Jaminan ganti rugi bila terjadi perampokan, tindak kejahatan atau perampokan selam perjalanan.

3. Dampak Positif Money Insurance

• Memberikan rasa aman kepada pegawai, memastikan bahwa bila terjadi tindak kejahatan maka akan ada kompensasi dari asuransi, bukan beban karyawan.
• Karyawan lebih nyaman bila mengetahui bila terjadi penyerangan bahkan mengakibatkan kematian, luka badaniah karena sudah dijamin asuransinya.

4.  Underwriting Consideration

Cash in Premises

• Location.
• Sistem Keamanan
• Jumlah uang yang disimpan
• Bangunan di huni atau kosong saat malam hari.
• Okupasi obyek (bank, toko, penyalur dan lain-lain)

Untuk Cash in Transit

• Frekuensi Pengangkutan.
• Metode Pengangkutan.
• Maximum Distance.
• Jumlah Pengawal.
• Estimasi Turnover per tahun.

5.  Warranty

·    Beberapa warranty dalam asuransi uang

• Safe Key (kuncinya diamankan di lokasi lain dan double key).
• Intruder Alarm.
• Penjaga – Satpam.
• Safe Limit.

 

Fidelity Guarantee

• Asuransi memberikan jaminan bahwa orang/pegawai yang discover akan memiliki “faithful or loyal performance on duty”
• Bila terjadi dishonesty or disloyalty maka kerugian akibatnya dijamin oleh polis ini.
• Risiko ini makin naik dengan keterlibatan computer untuk transaksi.
• Sistem kontrol/supervise memegang peran utama dalam pencegahan kejadian.

1. Jenis Polis Fidelity Guarantee

• Individual Policy: masing-masing orang diasuransikan atas namanya sendiri dengan limit masing-masing.
• Collective Policy: diasuransikan secara bersama seluruh nama anggota yang menangani uang tersebut.
• Blanket Policy: asuransi secara bersama tetapi tidak menyebutkan anggota atau untuk named policy.
• Position Policy: asuransi terhadap orang dengan parameter jabatannya.

2. Underwriting

• Moral Hazard. Assesment tentang perusahaan maupun orang yang bersangkutan.
• High Value Stock. Apakah stock-nya harga tinggi dan mudah dijual (pulsa, spare parts, obat)
• Sistem check & auditors. Sejauh mana terdapat SOP yang bertujuan mengontrol dan pengamanan.

3. Warrany Fidelity Guarantee

• Adanya external auditor secara regular tahunan.
• Adanya SOP tentang pengiriman uang, penyimpanan dan lain-lain.
• Password computer diubah secara regular.
• Security secara fisik.
• Sistem check internal secara regular.

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1. Guaranteed Object

• Cash Money.
• Bank Notes.
• check.
• Postal Orders.
• And other objects according to theagreement between the Insured and the Insurer.

2. Type of Insurance

• Money/Cash in Premises: Guaranteedcompensation in case of robbery, crime or robbery while on location/premises(caused by violent and forced entry).
• Money/Cash in Transit: Guaranteedcompensation in case of robbery, crime or robbery during the trip.

3. Positive Impact of Money Insurance

• Providing a sense of security toemployees, ensuring that if a crime occurs, there will be compensation frominsurance, not the employee's burden.
• Employees are more comfortableknowing if an attack occurs or even results in death or bodily injury becausethe insurance is guaranteed.

4. Underwriting Considerations

Cash in Premises

• Locations.
• Security System
• Amount of money saved
• The building is inhabited or empty atnight.
• Object occupation (banks, shops,dealers, etc.)

For Cash in Transit

• Freight Frequency.
• Transport Method.
• Maximum Distance.
• Number of Guards.
• Estimated Turnover per year.

5. Warranty

Several warranties in moneyinsurance

• Safe Key (key is secured in anotherlocation and double key).
• Intruder Alarm.
• Guard – Security guard.
• Safe Limits.

Fidelity Guarantee

• Insurance provides a guarantee thatthe person/employee who discovers will have a “faithful or loyal performance onduty”
• If dishonesty or disloyalty occurs,the resulting loss is guaranteed by this policy.
• This risk increases with theinvolvement of computers for transactions.
• The control/supervision system playsa major role in incident prevention.

1. Type of Fidelity Guarantee Policy

• Individual Policy: each person isinsured in his own name with their own limits.
• Collective Policy: insured with allthe names of the members who handle the money.
• Blanket Policy: insurancecollectively but not mentioning members or for named policies.
• Position Policy: insurance for peoplewith the parameters of their position.

2. Underwriting

• Moral Hazard. Assessment of thecompany and the person concerned.
• High Value Stock. Is the stock pricehigh and easy to sell (pulse, spare parts, medicine)
• System checks & auditors. Theextent to which there are SOPs aimed at controlling and securing.

3.Warrany Fidelity Guarantee

• The existence of an external auditoron an annual basis.
• The existence of SOPs regardingremittances, storage and others.
• Computer passwords are changedregularly.
• Physical security.
• Regular internal check system.