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Abstract
The purpose of this research is to get formula to calculate premium reserve value with prospective calculation for education insurance. This study examines the value of premium reserves for people aged 40 years with a coverage period of 17 years. In determining the value of premium reserve using the prospective calculation. It will be started by completing the value of the Indonesian Mortality Table 2011 using the interest rate of 6.5%, calculating the cash value of the benefit, the annuity value, the net annual premium value, and the net monthly premium value. The results of this study indicate that the value of premium reserves with a prospective calculation for benefits paid at the end of the year and the premium reserve value for benefits paid at the time the insured dies, its value with the value of the cash price set by the insurer at the end of year- 17 on the insurance contract.
Highlights
The purpose of this research is to get formula to calculate premium reserve value with prospective calculation for education insurance
This study examines the value of premium reserves for people aged 40 years with a coverage period of 17 years
The results of this study indicate that the value of premium reserves with a prospective calculation for benefits paid at the end of the year and the premium reserve value for benefits paid at the time the insured dies, its value with the value of the cash price set by the insurer at the end of year- 17 on the insurance contract
Summary
Risiko adalah hal yang tidak bisa dihindari dalam kehidupan sehari-hari. Untuk meminimalkan suatu risiko, ditawarkan berbagai macam produk asuransi. Perhitungan secara prospektif merupakan perhitungan cadangan premi berdasarkan nilai sekarang dari semua pendapatan diwaktu yang akan datang. Selanjutnya dibahas komponen-komponen yang diperlukan dalam penentuan cadangan premi untuk asuransi pendidikan menggunakan metode perhitungan prospektif, yaitu: Tingkat suku bunga adalah persentase pembayaran modal yang dipinjam dari lain pihak (Sukirno, 1994). Nilai tunai dari manfaat untuk tiap satu unit pembayaran pada akhir tahun kematian [Futami, 1993]. Dirumuskan dengan persamaan: Suatu anuitas yang pembayaran preminya dikaitkan pada kematian seseorang disebut anuitas hidup (Futami, 1993). Premi adalah sejumlah uang yang harus dibayarkan sebagai suatu kewajiban dari pihak tertanggung. Premi bulanan dapat ditentukan dengan menggunakan prinsip ekuivalensi: Menurut (Dickson, 2009), cadangan adalah ekspektasi nilai sekarang dari variabel acak kerugian bersih yang akan terjadi dimasa yang akan datang.
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