Abstract
Health insurance is a type of insurance product that specifically guarantees for health care or treatment. Individual and collective health insurance are the two categories of health insurance. Estimated premiums are determined according to death rate, sex, age, level of interest and administration costs. The interest rate relied on may vary between insurers. This study used three different interest rates for the calculation of annual net premium on individual health insurance based on RP-2000 Male & Female Combined Healthy Table and the Indonesian Mortality Table (TMI) 1999. The results indicated that an increase in interest rate causes a decrease in the premium, and vice versa. This study concludes that changes in interest rate affect the calculation of annual net premium on individual health insurance which are either renewed or not renewed.
Highlights
The results indicated that an increase in interest rate causes a decrease in the premium, and vice versa
Dengan kata lain pengaruh perubahan tingkat suku bunga berbanding terbalik terhadap perhitungan premi neto tahunan pada asuransi kesehatan individu yang artinya apabila terjadi kenaikan tingkat suku bunga akan menyebabkan terjadinya penurunan nilai premi begitu juga sebaliknya
Summary
Berdasarkan Tabel 1 diperlihatkan bahwa total premi neto tahunan yang tidak diperbaharui dan total akumulasi premi selama kontrak polis yang harus dibayar oleh sebuah keluarga dengan tiga tingkat suku bunga yang berbeda antara lain: 1) Dengan suku bunga i = 6% diperoleh premi neto tahunan sebesar 2) Dengan suku bunga i = 8% diperoleh premi neto tahunan sebesar Rp277.855,00, sehingga total akumulasi premi selama kontrak polis adalah Rp5.557.100,00.
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