Marketing ethics Less Look

Ethics for the marketing of insurance products that are considered less attention needs to get a lot of attention from the Financial Services Authority (FSA) that the image of the industry can be improved in the community, said by Munawar Kasan, High School faculty Insurance Management (STMA) Trisakti. At the time of the previous regulator asked at the time of marketing ethics permit new product, but the emphasis is still lacking.

According to the image of the insurance industry is not fully considered good, so it does not show up less often disputes between the insured and the insurer, most cases are handled by the Indonesian Insurance Mediation Board (BMAI). If the FSA issued a regulation on marketing ethics, the practice of insurance product marketing will be more organized. Different ethical aspects of corporate finance, such as risk-based capital, retention, and capital solvabiltas having a clear size.

In his presentation delivered last week to the FSA, said the regulator is currently using compliance-based supervision with a little element of risk-based supervision, control areas such as financial health, behavior and development efforts with market focus, among others, to introduce insurance to the community, the development of micro-insurance, agricultural , climate change and legal liability to third parties for the owner of a motor vehicle.

Etika Pemasaran Kurang Diperhatikan

Etika pemasaran produk asuransi selama ini kurang mendapat perhatian sehingga dianggap perlu mendapat banyak perhatian dari Otoritas Jasa Keuangan (OJK) agar citra industri ini dapat diperbaiki di masyarakat, demikian dikatakan oleh Munawar Kasan, dosen Sekolah Tinggi Manajemen Asuransi (STMA) Trisakti. Pada masa regulator sebelumnya etika pemasaran ditanyakan pada saat pengurusan izin produk baru, namun penekanannya masih kurang.

Menurutnya citra industri asuransi tidak sepenuhnya dianggap baik, sehingga tidak kurang pula muncul sengketa diantara tertanggung dan penanggung yang sebagian kasusnya ditangani oleh Badan Mediasi Asuransi Indonesia (BMAI). Apabila OJK mengeluarkan peraturan mengenai etika pemasaran, maka praktik pemasaran produk asuransi akan lebih tertata. Etika berbeda dengan aspek keuangan perusahaan, seperti risk based capital, retensi, modal dan solvabiltas yang mempunyai ukuran yang jelas.

Dalam paparan yang disampaikan kepada OJK minggu lalu, dikatakan regulator saat ini menggunakan pengawasan berbasis kepatuhan dengan sedikit elemen pengawasan berbasis risiko, area pengawasan antara lain kesehatan keuangan, perilaku usaha dan pengembangan pasar dengan fokus antara lain memperkenalkan asuransi kepada masyarakat, pengembangan asuransi mikro, pertanian, perubahan iklim dan tanggung jawab hukum kepada pihak ketiga bagi pemilik kendaraan bermotor.