Analisis Pialang Asuransi dan Reasuransi Dalam Perkembangan Digitalisasi di Tengah Persaingan Teknologi

Abstract

An insurance broker is an insurance company supporting company that has a role as a consulting service or intermediary that complements insurance or Sharia insurance and processes claims by acting on behalf of policyholders, insured, or participants, while the Reinsurance Brokers play a role for the benefit of insurance companies. The progress in economic digitalization encourages the insurance brokerage industry to adapt with the insurance companies to compete and develop innovations in the digital era. This study aims to determine the analysis of insurance and reinsurance brokers in the development of digitalization in the midst of technological competition by taking samples at PT. PAIB Indonesia. This type of research is a field case study research with a descriptive qualitative approach. Data collection was done by interview, observation, and documentation. Primary data sources in this study came from interviews with Mr. Dandi Yudhistira B.Comm., Anziif (Snr Assoc) CIP as director at PT. PAIB Indonesia. In addition, the primary data in this study came from secondary data in this study came from books, several journals, the company's official website, and other digital media. Based on the results of an analysis that has been done, it is known that the insurance brokerage company PT. PAIB Indonesia in the face of current digital developments, the company always tries to provide opportunities for its employees to provide the regular training which relevant with APPARI and will be applied in the company in its operations. In facing the current digital development, PT. PAIB Indonesia does not waste opportunities in the use of technology, companies utilize technology by providing internet services to the public through digital platforms.

The Influence of Service Quality and Premiums on Purchasing Interest and its Implications on the Decision to Purchase the Insurance Product Tigara Mitra Sejahtera

“…An Insurance Broker is a legal entity founded to address the public's demand for an institution/body that can assist them in obtaining insurance products, beginning with analyzing the risks posed by the insured and devising the appropriate insurance program, and ending with claims management [5] Article 1 paragraph 15 of Law No. 40 of 2014 defines an insurance broker as follows: Insurance brokerage is a consultancy and/or intermediary services business that closes insurance or sharia insurance policies and handles claim payment on behalf of the policy holder, insured, or participant [3]…”

“…We also receive advice on insurance products, risk management, competitive pricing, and claims handling. Insurance brokers are not only salesmen for insurance firms, but they also conduct surveys and administer premium payments [5] Insurance brokers are defined by applicable legislation as entities that handle claims by representing insurance clients and accepting responsibility for their conduct. In other words, brokers serve as counselors to insurance clients.…”