Jakarta, CNBC Indonesia – Mirna’s cyanide coffee case is being widely discussed again because her story was featured in a Netflix documentary entitled “Ice Cold: Murder, Coffee and Jessica Wongso”. One of the mysteries in this case is the insurance money belonging to Wayan Mirna Salihin.
The late Mirna was predicted to have life insurance worth US$ 5 million abroad, or the equivalent of Rp. 69 billion. As a result, suspicions arose that someone had deliberately framed Jessica as a suspect in order to disburse Mirna’s life insurance funds.
However, it needs to be emphasized that the amount of life insurance sum insured (UP) can vary from person to person.
“For example, if insurance is for an individual who is a key person, the sum insured will be large, for example. But on average, for example, if only the general public or what is called the general insured, maybe only hundreds of millions,” said the Insurance Forensic Claim Investigation Expert. Dedi Kristianto to CNBC Indonesia, quoted on Sunday (15/10/2023).
If the insurance money reaches billions, it could be that this person is a key person whose death could have an impact on the lives of many people, such as entrepreneurs.
Dedi explained that the calculation of the amount of insurance money was calculated using certain criteria. One of the most crucial things is income.
A person’s income can ensure the insurance company that he can pay a large premium to get a large sum insured. Apart from income, there are still many factors that insurance considers to determine the sum insured, for example work, hobbies, and so on.
“For example, if someone has a hobby, for example paragliding, parachuting, or anything that poses a risk, then determine whether the risk is high,” explained Dedi.
This means that the greater the risk, the greater the sum insured. This will be linear with the premiums paid becoming increasingly expensive.
Apart from that, age is also an important factor. He took the example of older people having a greater chance of mortality or death compared to younger people.
No less important, insurance companies in risk selection must also consider the possibility of whether the money invested in the insurance company is the result of, for example, money laundering. So, you can avoid the risk of claims manipulation.
Returning to Mirna’s case, it was recently reported that Mirna’s father, Darmawan Salihin, did not deny that Mirna did have insurance. However, he did not specify the type of insurance he had. Darmawan said that the amount of insurance money was IDR 10 million.
Darmawan also said that what Yudi said was a lie. At that time, the police themselves said that Mirna did not have life insurance with a sum insured of US$ 5 million.
Meanwhile, Mirna is the daughter of businessman Edi Darmawan Salihin and Ni Ketut Sianty. Summarizing from various sources, he completed his studies at Jubilee School Jakarta and then moved to Australia to continue his studies and work since 2005.
She married Arief Soemarko in Bali in November 2015. Not long after her marriage, or to be precise on January 6 2016, Mirna’s name came into the public spotlight because she was the victim of murder with poison at a cafe in Grand Indonesia, Jakarta. This case became known as coffee cyanide.
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