Analisa Resiko yang tepat

Didalam mensajikan penawaran produk asuransi, seorang pemasar tidak serta merta memberikan penawaran standar atau produk asuransi yang standar, atau bahkan mengaplikasikan serangkaian produk Asuransi yang beragam untuk nasabah, yang belum tentu diperlukan bagi nasabah tersebut.

Pemasar Asuransi wajib melakukan beberapa tahapan manajemen resiko bagi nasabahnya, mulai dari melakukan analisa resiko, mengidentifikasi resiko, mengukur resiko, memberikan alternatif pengelolaan resiko, mana yang bisa ditahan sendiri atau yang harus di transfer kepada sebuah atau beberapa polis asuransi sesuai dengan karakter bisnis dan industri nasabah ybs.

Tepat dalam melakukan Penelitian dalam Manajemen Resiko, sangat bergantung kepada keahlian teknik polis asuransi yang saling berkaitan, dan ketepatan dalam melakukan hal ini, akan membuahkan hasil yang baik dalam meng-edukasi nasabah mengetahui sejak awal pengelolaan resiko yang dimilikinya, memahami polis asuransi yang dimilikinya (sejauh mana resikonya dijamin dalam polis ataupun bagian yang tidak dijamin), serta memahami secara tepat tindakan-tindakan yang harus dilakukan saat terjadinya musibah untuk keperluan Klaim Asuransi.


Risk management is the identification, evaluation, and prioritization of risks (defined in ISO 31000 as the effect of uncertainty on objectives) followed by coordinated and economical application of resources to minimize, monitor, and control the probability or impact of unfortunate events[1] or to maximize the realization of opportunities. Risk management’s objective is to assure uncertainty does not deflect the endeavor from the business goals.[2]

Risks can come from various sources including uncertainty in financial markets, threats from project failures (at any phase in design, development, production, or sustainment life-cycles), legal liabilities, credit risk, accidents, natural causes and disasters, deliberate attack from an adversary, or events of uncertain or unpredictable root-cause. There are two types of events i.e. negative events can be classified as risks while positive events are classified as opportunities. Several risk management standards have been developed including the Project Management Institute, the National Institute of Standards and Technology, actuarial societies, and ISO standards.[3][4] Methods, definitions and goals vary widely according to whether the risk management method is in the context of project management, security, engineering, industrial processes, financial portfolios, actuarial assessments, or public health and safety.

Strategies to manage threats (uncertainties with negative consequences) typically include avoiding the threat, reducing the negative effect or probability of the threat, transferring all or part of the threat to another party, and even retaining some or all of the potential or actual consequences of a particular threat, and the opposites for opportunities (uncertain future states with benefits).

Certain aspects of many of the risk management standards have come under criticism for having no measurable improvement on risk; whereas the confidence in estimates and decisions seem to increase.[1] For example, one study found that one in six IT projects were “black swans” with gigantic overruns (cost overruns averaged 200%, and schedule overruns 70%).[5]

Analisa Resiko yang tepat
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