Abstract
Based on data from Badan Pusat Statistik (BPS), the number of Indonesia's population has consistently increased every year. This will cause several problems, one of them is public health. Health problems that occur cause some risks that cause losses. Therefore, one way to reduce the impact of these risks is insurance. This study analyzes how the process of forming premium prices with loading assumptions that are in accordance with existing assumptions in order to meet the criteria of equitable to the client, deliverable by the agent, and profitable to the company. This research uses a quantitative research approach. The population in this study was all Sum Insured (SI) while the sample was 1000 SI male sex. The data used in this study are secondary data that is data from an ABC insurance company in Indonesia, literature study through books, journal references, and previous research. The results of this study are the calculation of premiums by the methods used by the company more efficiently when compared with formulas in accordance with the theory. Although the price of a premium is more expensive using the company method, it is not significantly different. If using the company method, the sum insured used is the sum insured from death benefit whereas the theory is the average of claims incurred at that age. The fees charged are still fairly reasonable in accordance with the rules of setting the price of insurance premiums. In addition, the use of CSO 80 tables and Reinsurance Rates that have been adjusted to the company's interest rate of 5% in accordance with the expected cash value desired by the company.
Highlights
Penelitian ini menganalisis bagaimana proses terbentuknya harga premi dengan asumsiasumsi loading yang sesuai dengan asumsi-asumsi yang ada agar memenuhi kriteria equitable to the client, deliverable by the agent, dan profitable to the company
Adapun dalam penetapan premi secara teori harus memenuhi kriteria equitable to the client, deliverable by the agent, dan profitable to the company [4]
Penggunaan tabel CSO 80 dan Rate Reasuransi yang sudah disesuaikan dengan interest rate perusahaan sebesar 5% sesuai dengan harapan nilai tunai yang diinginkan perusahaan
Summary
Menurut data dari Badan Pusat Statistik (BPS) tahun 2010 dari hasil sensus penduduk menyatakan bahwa laju pertumbuhan penduduk di Indonesia meningkat sebesar 1.49% pertahunnya [1]. Hal ini karena sebagian masyarakat Indonesia tidak mendapatkan layanan kesehatan, baik yang diberikan oleh pemerintah atau pribadi akibat biaya kesehatan yang terus meningkat. Bagi tertanggung dengan risiko yang lebih tinggi, akan dikenakan tarif premi yang lebih tinggi, begitu pula sebaliknya. Prinsip yang kedua yaitu tarif premi harus deliverable by the agent, hal ini berkaitan dengan penjualan suatu produk asuransi, jika tarif preminya terlalu rendah maka penjual tidak akan mau untuk menjual produk asuransi karena akan berdampak pada pendapatan komisi yang kecil. Tarif premi yang ditetapkan harus sewajar mungkin dan juga harus dapat bersaing dengan tarif premi perusahaan lain. Prinsip yang ketiga adalah profitable to the company yaitu tarif premi yang ditetapkan harus cukup untuk membayar manfaat yang akan datang (klaim), membiayai seluruh operasional perusahaan, dan juga dapat memberikan profit bagi perusahaan [4]. Berdasarkan penjelasan sebelumnya, penelitian ini menganalisis bagaimana proses terbentuknya harga premi dengan asumsi-asumsi loading yang sesuai dengan asumsi-asumsi yang ada agar memenuhi kriteria-kriteria tersebut
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