Indonesia is the country with its population is very high and diverse. Population of Indonesia has had the awareness to keep any rights they have. Including insured health, life, even his education and motor vehicles. Insurance has become something very important in the eyes of society. So what exactly is insurance?

Insurance is an agreement in which the parties promised to guarantee a secured party, to receive an amount of premium in lieu of damages, which may be suffered by the assured, as a result of an event that is not yet clear. Thus is the definition of insurance by Wirjono Prodjodikoro in his book 'Insurance Law in Indonesia'.

Although it has become something that is considered important by most societies, insurance in Indonesia is still leaving a fairly severe ulcers. Insurance system that is used in Indonesia is still not satisfactory. Incessant promotion process insurance companies are not comparable with the disbursement of the insurance claim filed by the owner.