2015. PT Reasuransi MAIPARK Indonesia

MAIPARK, Statistik, 06/2015

PT Reasuransi MAIPARK Indonesia

Kata Pengantar Foreword

Dengan Hormat,

Dear Sir / Madam,

Sesuai dengan tujuan pendirian MAIPARK, MAIPARK selalu berupaya untuk memberikan pelayanan yang terbaik bagi Industri Asuransi Umum di Indonesia khususnya mengenai statistik dan pengetahuan risiko gempa bumi.

In line with the purpose of MAIPARK establishment, MAIPARK always strive to provide the best service for General Insurance Industry in Indonesia particularly regarding statistic and knowledge of Earthquake risks.

Dukungan dari seluruh perusahaan asuransi umum sangat berarti bagi kami dalam upaya pengembangan Laporan Statistik ini.

Support from the General Insurance Industry will be meaningful to us in order to improve this Statistic Report.

Kami berharap Laporan Statistik ini dapat memberikan manfaat tidak hanya bagi perusahaan yang menangani asuransi gempa bumi, namun juga bagi industri asuransi umum di Indonesia.

We hope this Statistic Report will be beneficial not only to the insurance companies which write earthquake insurance but also to the whole general insurance industry in Indonesia.

Hormat kami,

Sincerely,

Yasril Y. Rasyid President Director

i


Daftar Isi Content Hal.

Page

Kata Pengantar.......................................................i

Foreword ............................................................... i

Daftar Isi.................................................................ii

Contents ............................................................... ii

Informasi Statistik ...............................................vii

Statistic Information .......................................... vii

s Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2015 ................................................

Statistic Overview of Indonesian Earthquake Insurance June 2015 ..............................................

A. Umum ......................................................... 1

A. General ...................................................... 1

B. Struktur Pasar ............................................ 1

B. Market Structure ........................................ 1

C. Premi Bruto ................................................ 1

C. Gross Premium .......................................... 1

D. Jumlah Risiko ............................................. 3

D. Number of Risk .......................................... 3

E. Incurred Claim ............................................ 5

E. Incurred Claim ............................................ 5

Exposure Asuransi Gempa Bumi Indonesia ........

Indonesian Earthquake Insurance Exposure ......

Tabel 2.1. Exposure Per Cresta Zone ........... 10

Table 2.1. Exposure By Cresta Zone ............ 10

Tabel 2.2. Exposure Per Okupasi ................... 12

Table 2.2. Exposure By Occupation .............. 12

Tabel 2.3. Exposure Per Interest.................... 14

Table 2.3. Exposure By Interest .................... 14

Tabel 2.4. Exposure Per Provinsi ................... 16

Table 2.4. Exposure By Province .................. 16

Tabel 2.5. Exposure Per Kelas Konstruksi ...... 17

Tabel 2.5. Exposure By Construction Class .... 17

Premi Bruto Asuransi Gempa Bumi Indonesia ............................................................................. ….

Indonesian Earthquake Insurance Gross Premium .................................................................

Tabel 3.1. Gross Premium Per Cresta Zone .. 19

Table 3.1. Gross Premium By Cresta Zone ... 19

Tabel 3.2. Gross Premium Per Okupasi ......... 21

Table 3.2. Gross Premium By Occupation .... 21

Tabel 3.3. Gross Premium Per Provinsi ......... 23

Table 3.3. Gross Premium By Province ......... 23

Tabel 3.5. Gross Premium Per Kelas Konstruksi ...................................................................... 24

Table 3.5. Gross Premium By Construction Class ...................................................................... 24

Jumlah Risiko Asuransi Gempa Bumi Indonesia ..................................................................................

Indonesian Earthquake Insurance Number of Risks .......................................................................

Tabel 4.1. Jumlah Risiko Per Cresta Zone ..... 26

Table 4.1. Number of Risk By Cresta Zone ... 26

Tabel 4.2. Jumlah Risiko Per Okupasi ............ 28

Table 4.2. Number of Risk By Occupation .... 28

Tabel 4.3. Jumlah Risiko Per Kelas Konstruksi ...................................................................... 30

Table 4.3. Number of Risk By Construction Class ...................................................................... 30

Klaim Asuransi Gempa Bumi Indonesia .............. Tabel 5.1. Klaim Frekwensi Per Cresta Zone.. 32

Indonesian Earthquake Insurance Claim ............ Table 5.1. Claim Frequency By Cresta Zone .. 32

Tabel 5.2. Klaim Frekwensi Per Okupasi ....... 34

Table 5.2. Claim Frequency By Occupation….34 ii


Tabel 5.4.. Klaim Per Cresta Zone ................. 36

Table 5.4. Claim By Cresta Zone . ............…….36

Tabel 5.5. Klaim Per Okupasi ...........................................…………………........38

Table 5.5 Claim By Occupation ................ …..38

Risk and Loss Profile ............................................

Profil Risiko dan Klaim ..........................................

Underwriting Year 2011 2015, All Occupation .............................................. 40

Underwriting Year 2011 - 2015, Seluruh Okupasi ........................................... 40

Underwriting Year 2015, All Occupation ..... 41

Underwriting Year 2015, Seluruh Okupasi ... 41









Risk and Loss Profile Underwriting Year 2015 By Occupation …....................................................

Profil Risiko dan Klaim Underwriting Year 2015 Per Okupasi ............................................................

Agricultural Occupation ................................ 46

Okupasi Agrikultural ..................................... 46

Commercial Occupation ............................... 47

Okupasi Komersial ........................................ 47

Industrial Occupation ................................... 48

Okupasi Industrial ........................................ 48

Residential Occupation ................................ 49

Okupasi Residensial ...................................... 49





Commercial Occupation ............................... 51


Industrial Occupation ................................... 52


Residential Occupation ................................ 53






Commercial Occupation ................................ 55


Industrial Occupation.................................... 56


Residential Occupation ................................. 57


iii













Risk and Loss Profile Underwriting Year 2011 By Occupation .......................................................



Okupasi Komersial......................................... 63


Okupasi Industrial ......................................... 64


Okupasi Residential ....................................... 65


Exposure, Premi Bruto, Jumlah Risiko dan Klaim Asuransi Gempa Bumi Indonesia .........................

Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risks and Claim .....

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2011 .... 66

Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY 2011 ………………….66

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2012 ..... 67

Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY 2012 ..................... 67









Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2011 .......... 71

Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY 2011 …………………..71

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2012 ........... 72

Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY 2012 ...................... 72






Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY 2015 ...................... 75 iv




Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2011 .......... 76

Exposure, Gross Premium, Number of Risks & Claim by Province, UY 2011 ……………………….76

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2012 ........... 77

Exposure, Gross Premium, Number of Risks & Claim by Province, UY 2012 .......................... 77







Peta

Map

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015 …….. ..................................................... 81

Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2015, as at 30 June 2015 ..................................................... 81

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015 ……................................ 82

Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015 …………………………..………. ...................................................................... 82

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY 2015…………………………………………………………..83

Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2015, as at 30 June 2015, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015..................... 83

Ulasan Aktuaria……………………………….…………84

Actuarial Commentary ……..…………….…………84

Lampiran

Attachments

1.

Daftar Istilah ..........................................93

1.

Glossaries .............................................. 93

2.

Tarif Asuransi Gempa Bumi Indonesia …. ................................................................95

2.

Indonesian Earthquake Insurance Tariff .. ............................................................... 95

3.

Skala First Loss .......................................97

3.

First Loss Scale ................... …………………97

4.

Tabel jangka Waktu Pertanggungan Kurang Dari Satu Tahun ........................98

4.

5.

Skala Indemnity Period ..........................99

6.

Tabel Cresta Zone dan Zona ……………….100

5. 6.

Short Period Table Less Than One Year Period………………………………………………….98 Indemnity Period Scale…………………………99 Cresta Zone and Zone Table………………100

v


Referensi

Reference

1. 2.

1. 2.

Otoritas Jasa Keuangan (OJK). Badan Pusat Statistik (BPS).

*) Laporan Statistik ini dapat diperoleh di website PT Reasuransi MAIPARK Indonesia www.maipark.com

*) Statistic Report is available on PT Reasuransi MAIPARK Indonesia‘s Website www.maipark.com

vi


Financial Services Authority (OJK). Central of Statistics Bureau (BPS).

Informasi Statistik Statistic Information

1.

Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 30 Juni2015.

1.

Statistic Report is based on Underwriting Year basis, which is recorded as at 30 June 2015.

2.

Sesi Limit 2.1. Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut: 2.1.1 Untuk daerah Jawa Barat, Banten dan DKI:  5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2.500.000,00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2010, 2011 dan 2012.  5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25.000.000.000,00 (dua puluh lima miliar Rupiah) atau yang setara dengan USD 2.631.578,00 (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis

2.

Cession Limit 2.1. Cession Limit of any one risk for the combined material damage and business interruption are as follows: 2.1.1



vii


For West Java, Banten and DKI:  5% (five percent) of the total sum insured, being a maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2010, 2011 and 2012. 5% (five percent) of the total sum insured, being a maximum of Rp.25,000,000,000.00 (twenty five billion Indonesian Rupiahs) or equal to USD 2,631,578.00 (two million six hundred thirty one thousand five hundred seventy eight U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2013.

2.1.2

2.1.3

Untuk Underwriting Year 2013. Untuk daerah Indonesia lainnya:  25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2.500.000,00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2010, 2011 dan 2012.  25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25.000.000.000,00 (dua puluh lima miliar Rupiah) atau yang setara dengan USD 2.631.578,00 (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2013. Terhitung sejak 1 Januari 2014 Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah:  15% (lima belas prosen) dari jumlah seluruh

2.1.2. For other Indonesia areas: 25% (twenty five percent) of the total sum insured, being a maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2010, 2011 and 2012.



25% (twenty five percent) of the total sum insured, being a maximum of Rp.25,000,000,000.00 (twenty five billion Indonesian Rupiahs) or equal to USD 2,631,578.00 (two million six hundred thirty one thousand five hundred seventy eight U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2013.

2.1.3. Since January 1, 2014, Cession Limit of any one risk for the combined material damage and business interruption is :  15% (fifteen percent) of the total sum

viii




pertanggungan (total sum insured) maksimum USD 3.500.000,00 (tiga juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2014.

insured, being a maximum of USD 3,500,000.00 (three million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2014.

 15% (lima belas prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 35.000.000.000,00 (tiga puluh lima miliar Rupiah) atau yang setara dengan USD 3.043.478,26 (tiga juta empat puluh tiga ribu empat ratus tujuh puluh delapan koma dua puluh enam Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2015.

 15% (twenty five percent) of the total sum insured, being a maximum of Rp.35,000,000,000.00 (thirty five billion Indonesian Rupiahs) or equal to USD 3,043,478.26 (three million fourty three thousand four hundred seventy eight point twenty six U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2015.

2.2. Yang dimaksud dengan setiap risiko (anyone risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masing-masing perusahaan asuransi. Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan asuransi dalam underwriting polis kebakaran.

2.2. Anyone risk is the accumulation (aggregate) of total sum insured of all risks at the same location for each insurance company. The definition of anyone risk or any location is specified by the insurer or policy issuer in accordance with the fire underwriting policy.

ix


2.3 Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang disesikan sebagaimana diatur dalam butir 2.1 diatas, dikalikan prosentase First Loss Scale.

2.3 In First Loss Basis / Sub Limit policies, the amount ceded is stipulated in point 2.1 above, then multiplied by the percentage of First Loss Scale.

2.4 Untuk risiko yang ditutup secara koasuransi, jumlah maksimum sesi dari semua anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur dalam 2.1 diatas. Sesi masing-masing perusahaan adalah proporsional sebanding sahamnya dalam ko-asuransi. Dalam hal terdapat penutupan lain selain polis ko-asuransi tersebut pada obyek pertanggungan yang sama, perusahaan asuransi tetap dapat mensesikan risiko dimaksud, dengan catatan jumlah seluruh sesi perusahaan asuransi bersangkutan tidak melebihi ketentuan yang diatur pada butir 2.1.

2.4 For risks which are covered by coinsurance, the maximum cession from all members of coinsurance is stipulated in point 2.1 above. Each ceding company cedes proportionally depending on its coinsurance share. If there are policies other than coinsurance policy on the same insured object, the insurer is still able to cede such risk subject to total insurance company’s cession not exceeding the provision in point 2.1.

x


3.

Tarif Premi Asuransi Gempa Bumi Indonesia

3.

3.1. Penutupan Full Value Basis mengaplikasikan Tarif Premi Standar Gempa Bumi Indonesia (lampiran 2). 3.2. Penutupan First Loss / Sub Limit Basis mengaplikasikan standar First Loss Scale (lampiran 3). 3.3. Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan diberlakukan skala premi jangka pendek (lampiran 4) 3.4. Untuk perhitungan premi Business Interruption diberlakukan Indemnity Period Scale (lampiran 5). 4.

Earthquake

3.1. For the coverage of Full Value Basis, apply Indonesian Standard Earthquake Premium Tariff (attachment 2). 3.2. For the First Loss / Sub Limit Basis coverage apply standard First Loss Scale (attachment 3). 3.3. Premium calculation for short period coverage is based on Short Period Scale (attachment 4). 3.4. Premium calculation for business interruption is based on Indemnity Period Scale (attachment 5).

Obyek Pertanggungan 4.1 Obyek pertanggungan yang dapat disesikan adalah obyek pertanggungan asuransi kebakaran berupa:

4.2

Indonesian Standard Premium Tariff

4.

Insured Object 4.1. Insured object which can be ceded is fire insurance object such as:

4.1.1. Kerusakan Fisik:  Bangunan  Pondasi  Penggalian dan Sejenisnya  Persediaan Barang  Lain-lain 4.1.2 Gangguan Usaha:  Keuntungan Bruto  Upah  Kenaikan Biaya Operasional  Lain-lain

4.1.1. Material damage:  Building  Foundation  Excavation and the like  Stock  Others 4.1.2. Business Interruption  Gross Profit  Wages  Increase in cost of working  Others

Penutupan sebagaimana dimaksud pada butir 4.1. adalah yang ditutup secara langsung (direct business) termasuk ko-asuransi. Penutupan tidak langsung (indirect business / reasuransi) tidak dapat disesikan.

4.2. Insured object referred in point 4.1 is direct business, including coinsurance. Indirect business / reinsurance cannot be ceded.

xi


5.

Pelaporan Bordero Pelaporan bordero dilakukan setiap bulannya untuk semua risiko yang ditutup pada bulan yang bersangkutan dan sudah harus diterima selambat-lambatnya pada akhir bulan berikutnya

5.

xii


Bordereaux Submission Bordereaux submission is on a monthly basis for all risks underwritten in the month concerned and should be received by the end of the following month at the latest.

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2015 Statistic Overview of Indonesia Earthquake Insurance June 2015 A. General

A. Umum Berdasarkan data Badan Pusat Statistik,

Based on Central of Statistics Bureau Data,

Perekonomian Indonesia pada triwulan II-2015

Indonesian economic in second quarter 2015 as

sebagaimana diukur dari Produk Domestik

measured by Gross Domestic Product (GDP)

Bruto (PDB), tumbuh sebesar

3,78 %

increased by 3.78 % compared with first quarter

dibandingkan triwulan I-2015 (q-to-q). Nilai

2015 (q-to-q). Gross Domestic Product (GDP)

Produk Domestik Bruto (PDB) Indonesia atas

based on Constant Price 2010 in second quarter

dasar harga konstan 2010 pada triwulan II-2015

2015 reached the amount of Rp. 2,239.3 trillion

mencapai Rp. 2.239,3 triliun sedangkan pada

while in first quarter 2015 was Rp. 2,157.8

triwulan I-2015 sebesar Rp.2.157,8 triliun. Bila

trillion. If it is based on Current Market Price,

dilihat berdasarkan harga berlaku, PDB triwulan

GDP in second quarter 2015 was Rp. 2,866.9

II-2015 adalah sebesar Rp. 2.866,9 triliun

trillion while in first quarter 2015 was Rp. 2,728.8

sedangkan triwulan I-2015 adalah Rp. 2.728,8

trillion.

triliun. B. Struktur Pasar

B. Market Structure

Berdasarkan data Otoritas Jasa Keuangan

Based on Financial Services Authority data

pada buku Direktori Perasuransian Indonesia

in the book of Indonesian Insurance Directory

2014:

Bank

2014: Non Bank Financial Institution Insurance,

perusahaan

there are 82 general insurers having operating

Industri

Perasuransian,

Keuangan terdapat

82

Non

asuransi umum yang memiliki izin beroperasi di

licenses in Indonesia.

Indonesia. C. Premi Bruto

C. Gross Premium

Sampai dengan 30 Juni 2015, premi bruto

As at 30 June 2015, earthquake gross

asuransi gempa bumi Underwriting Year 2011

premium for Underwriting Year 2011 was Rp.

adalah sebesar Rp. 2.821,3 miliar. Premi bruto

2,821.3 billion. Gross premium for Underwriting

untuk Underwriting Year 2012 tercatat

Year 2012 was recorded

1


Rp.

2.645,4

miliar,

sedangkan

untuk

Rp. 2,645.4 billion, while for Underwriting Year

Underwriting Year 2013 adalah Rp. 4.251,8

2013 was Rp. 4,251.8 billion. For Underwriting

miliar. Untuk Underwriting Year 2014 dan 2015

Year 2014 and 2015 were Rp. 4,242.6 billion

adalah Rp. 4.242,6 miliar dan Rp. 749,7 miliar.

and Rp. 749.7 billion. These figures would

Angka – angka ini akan terus bergerak naik

certainly increase especially for Underwriting

terutama untuk Underwriting Year 2014 dan

Year 2014 and 2015.

2015. Tabel 1.1 di bawah ini menyajikan rincian

The table 1.1 below shows the details of

premi bruto berdasarkan jenis okupasi dari

gross premium based on occupation from

Underwriting Year 2011 hingga Underwriting

Underwriting Year 2011 to Underwriting Year

Year 2015. Prosentase okupasi Industrial selalu

2015. Industrial occupation always has the

berada pada posisi pendapatan tertinggi

biggest percentage income compared to 3

dibanding 3 (tiga) okupasi lainnya (Agrikultural,

(three) remaining occupations (Agricultural,

Komersial, Residensial), yaitu di atas 47% dari

Commercial, Residential), that is above 47 %

total premi.

from premium total.

Meskipun okupasi Komersial, Residensial

Although

occupation

of

Commercial,

dan Agrikultural tidak memberikan kontribusi

Residential and Agricultural do not contribute

premi sebesar okupasi Industrial, namun ketiga

premium as much as Industrial occupation,

okupasi tersebut memperlihatkan pertumbuhan

those three occupation show significant

premi yang cukup signifikan. Hal ini terlihat

premium growth. In this case, the premium

terutama pada premi okupasi Komersial pada

under Commercial occupation in Underwriting

Underwriting Year 2013 yang meningkat

Year 2013 increased by 165.3% from Rp.

sebesar 165,3% dari Rp. 646.139,75 juta di

646,139.75 million in Underwriting Year 2012 to

Underwriting

Rp. 1,714,074.27 million.

Year

2012

menjadi

Rp.

1.714.074,27 juta. Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2015 Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2015 Dalam Jutaan Rupiah In Million Rupiah

Underwriting Year

Okupasi Total Agrikultural / Agricultural

Komersial / Commercial

Industri / Industrial

Residensial / Residential

2011

23,897.32

0.85%

758,200.03

26.87%

1,696,811.05

60.14%

342,414.01

12.14%

2,821,322.40

2012

29,419.23

1.11%

646,139.75

24.43%

1,623,908.96

61.39%

345,921.69

13.08%

2,645,389.64

2013

34,917.83

0.82%

1,714,074.27

40.31%

2,028,735.96

47.71%

474,108.51

11.15%

4,251,836.57

2014

24,913.07

0.59%

918,279.91

21.64%

2,679,945.46

63.17%

619,512.25

14.60%

4,242,650.69

2015

2,213.84

0.30%

211,342.54

28.19%

409,408.22

54.61%

126,734.87

16.90%

T OT AL

115,361.29

4,248,036.51

8,438,809.64

2


1,908,691.33

749,699.47 14,710,898.77

D. Number of Risks

D. Jumlah Risiko Tabel 1.2 di bawah ini menyajikan jumlah

Table 1.2 below shows the number of risks

risiko pada Underwriting Year 2011 hingga

from Underwriting Year 2011 to Underwriting

Underwriting Year 2015 yang tercatat sampai

Year 2015 recorded until 30 June 2015.

dengan 30 Juni 2015. Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni2015 Table 1.2 Number of Risk By Occupation as at 30 June 2015 Okupasi

U/Y 2011

Occupation

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

Jumlah / Total

%

Jumlah / Total

%

Jumlah / Total

%

Jumlah / Total

%

Jumlah / Total

%

Agricultural / Agricultural

A

379

0.23

420

0.24

482

0.26

420

0.20

59

0.12


C

91,426

55.10

94,389

54.53

100,292

53.21

109,009

51.57

20,377

41.60

Industrial / Industrial

I

14,997

9.04

17,099

9.88

18,252

9.68

17,159

8.12

3,079

6.29


R

59,138

35.64

61,189

35.35

69,467

36.85

84,794

40.11

25,468

51.99

165,940

100.00

173,097

100.00

188,493

100.00

211,382

100.00

48,983

100.00

Jumlah / Total

Number of Risk By Occupation As at 30 Jun 2015 Industrial, 14,997

Agricultural, 482

Residential, 69,467

Commercial, 91,426

Commercial, 94,389

Industrial, 17,099

Residential, 59,138

Commercial, 100,292

Industrial, 18,252

Agricultural, 379

Residential, 61,189

UY 2011

Agricultural, 420

UY 2013

Industrial, 3,079

Commercial, 109,009

UY 2012

Residential, 25,468

Industrial, 17,159

Agricultural, 420

Commercial, 20,377

Residential, 84,794

UY 2015

UY 2014

3


Agricultural, 59

Jumlah

risiko

Underwriting

terbesar

Year,

dalam

untuk hal

setiap

ini

The highest number of risks for each

dari

Underwriting

Year,

in

this

case

from

Underwriting Year 2011 sampai dengan

Underwriting Year 2011 to Underwriting Year

Underwriting Year 2015 ada pada okupasi

2015, is under Commercial occupation, which is

Komersial, yaitu selalu berada pada rasio di atas

always on the ratio above 41% from the total

41% dari total risiko. Kemudian diikuti oleh

risk. Then, it is followed by Residential

okupasi Residensial dengan rasio di atas 35%.

occupation with ratio above 35%.

Jika terdapat asosiasi antara kontribusi

If there is any association between the

premi dengan banyaknya risiko maka belum

premium contribution and the number of risks

tentu asosiasi tersebut berbentuk linear dan

then the association is not necessarily linear nor

positif. Hal ini dibuktikan dengan apabila melihat

positive. This is proved which the highest gross

dari premi bruto tertinggi berada di okupasi

premium is on the industrial occupation while the

industrial sedangkan banyak risiko tertinggi

highest

berada pada okupasi komersial.

occupation.

Berdasarkan

data

okupasi,

total risk is under commercial

okupasi

Based on occupation data, Commercial

Komersial terdiri dari beberapa kode okupasi.

occupation consist of several occupation codes.

Jumlah risiko terbesar berdasarkan kode

The highest number of risks by occupation code

okupasi di Underwriting Year 2011 – 2015

in Underwriting Year 2011 – 2015 are as follows:

adalah sebagai berikut: Jumlah Risiko Terbesar pada Okupasi Komersial Berdasarkan Kode Okupasi per 30 Juni 2015 The Highest Number Of Risk in Commercial Occupation as at 30 June 2015 by Occupation Code Deskripsi & Kode Okupasi

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

Description & Occupation Code

Jumlah / Total

Jumlah / Total

Jumlah / Total

Jumlah / Total

Jumlah / Total

2934 29341

0 22,158

0 22,998

0 15,962

25,737 0

5,096 0

29371

12,800

12,980

14,291

0

0

Shops Shops - Subject to Waranty A Private Warehouses and Storehouses - Subject to Warranty A Veem and Bonded Warehouses Subject to Warranty A

293941

Jumlah / Total

1

2

3

0

0

34,959

35,980

30,256

25,737

5,096

Okupasi Residensial terdiri dari beberapa kode

Residential occupation consist of several

okupasi. Jumlah risiko terbesar berdasarkan

occupation codes. The highest number of risks

kode okupasi di Underwriting Year 2011 – 2015

by occupation code in Underwriting Year 2011 –

adalah sebagai berikut:

2015 are as follows:

Jumlah Risiko Terbesar pada Okupasi Residensial Berdasarkan Kode Okupasi per 30 Juni 2015 The Highest Number Of Risk in Residential Occupation as at 30 June 2015 by Occupation Code Deskripsi & Kode Okupasi Description & Occupation Code Private Warehouses and Storehouses - Subject to Warranty A

2976

Jumlah / Total

U/Y 2011 Jumlah / Total





35,956

35,385

34,065

46,956

14,530

35,956

35,385

34,065

46,956

14,530

4


E. Incurred Claim

E. Incurred Claim

Berdasarkan tabel 1.3 di bawah ini,

Based on table 1.3 below, the highest

frekuensi klaim gempa bumi paling banyak

earthquake claim frequency occurred in

terjadi di Underwriting Year 2011 yaitu sebanyak

Underwriting Year 2011 was 87 claims and it

87 klaim dan didominasi okupasi Komersial

dominated by Commercial occupation of 62

sebanyak 62 klaim. Hal ini disebabkan oleh

claims. It was caused by Earthquakes in 2011

kejadian gempa bumi di 2011 yaitu Gempa Bumi

namely Nusa Dua Earthquake on 13 October

Nusa Dua pada tanggal 13 Oktober 2011

2011 with a magnitude of 6.8 S.R and Sibolga

dengan kekuatan 6,8 S.R dan Gempa Bumi

Earthquake on 6 November 2011 with a

Sibolga pada tanggal 6 November 2011 dengan

magnitude of 6.7 S.R.

kekuatan 6,7 S.R. Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2015 Table 1.3 Claim Frequency By Occupation as at 30 June 2015

Okupasi

Underwriting Year

Occupation

2011

2012

2013

2014

2015

Agrikultural / Agricultural

A

0

0

0

0

0


C

62

14

45

7

0


I

0

0

5

0

0


R

25

1

7

2

0

87

15

57

9

0

Jumlah / Total

5


Berdasarkan Tabel 1.4 dan grafik di bawah

Based on table 1.4 and graph below it can

ini terlihat bahwa untuk frekwensi klaim tinggi

be seen that the high frequency claims lies in

berada pada Total Incurred Claim yang relative

relatively small Total Claim Incurred, while low

kecil, sedangkan untuk frekwensi klaim kecil

frequency claims lies in relatively big Total Claim

berada pada Total Incurred Claim yang relative

Incurred.

besar. Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 2012 Per 30 Juni 2015 Table 1.4 Frequency Incurred Claim Underwriting Year 2012 as at 30 June 2015 *) Dalam Rupiah *) In Rupiah

Incurred Claim (BAND) *)

Frekwensi

Total Incurred Claim

Claim Incurred (BAND)*)

Frequency

Total Claim Incurred

0 50 100 200 300 500 750 1,000 1,500 2,000 2,500 3,000 4,000 5,000 7,500 10,000 20,000 50,000 100,000 500,000

-

50 100 200 300 500 750 1,000 1,500 2,000 2,500 3,000 4,000 5,000 7,500 10,000 20,000 50,000 100,000 500,000 up Total

8 2 1 2 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15

Rata-rata Incurred Claim Incurred Claim Tertinggi Inccured Claim Terendah Average Claim Incurred

192,541,051 118,711,030 200,000,000 521,621,500 687,668,400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1,720,541,981

24,067,631 59,355,515 200,000,000 260,810,750 343,834,200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

6


Highest Claim Incurred 50,000,000 62,328,097 200,000,000 263,572,500 355,000,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Lowest Claim Incurred 4,136,951 56,382,933 200,000,000 258,049,000 332,668,400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dengan melihat tabel 1.5 tampak bahwa

Looking at table 1.5 below, it shows that the

jumlah klaim terbesar berada pada Underwriting

largest claim is in the Underwriting Year 2013.

Year 2013. Klaim yang terbesar adalah pada

The largest claim is under Commercial

okupasi Komersial, yaitu 99,40% dari total klaim

occupation that is 99.40% of the total claim in

di Underwriting Year 2013 atau sebesar Rp.

Underwriting Year 2013 or Rp. 306.2 billion.

306,2 miliar. Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2015 Table 1.5 Claim Amount By Occupation as at 30 June 2015 Dalam Rupiah In Rupiah

Underwriting Year Okupasi

2011

Occupation

Jumlah / Amount

Agrikultural / Agricultural A Komersial / Commercial

C


I

Residensial / Residential R

Jumlah / Total

2012 %

2013

Jumlah / Amount

%

2014

Jumlah / Amount

%

Jumlah / Amount

2015 %

Jumlah / Amount

%

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6,375,313,072.29

95.80

1,670,541,980.54

97.09

306,212,972,292.31

99.40

1,228,599,676.05

94.69

0.00

0.00

0.00

0.00

0.00

0.00

1,750,356,290.96

0.57

0.00

0.00

0.00

0.00

279,739,660.04

4.20

50,000,000.00

2.91

99,244,211.73

0.03

68,916,625.00

5.31

0.00

0.00

6,655,052,732.33

100.00

1,720,541,980.54

100.00

308,062,572,795.00

100.00

1,297,516,301.05

100.00

0.00

0.00

Tabel 1.6 di bawah ini menyajikan kejadian

Table 1.6 below shows earthquake events

Gempa Bumi Tahun 2015 dan Incurred Claim

occurred in 2015 and the corresponding

sampai dengan 30 Juni 2015.

incurred claims as at 30 June 2015. 7


Tabel 1.6 Kejadian Gempa Bumi Tahun 2015 dan Klaim per 30 Juni 2015 Table 1.6 Earthquak e Event in 2015 and Claim as at 30 June 2015 Dalam Rupiah In Rupiah

Kejadian Event

Tanggal Kejadian Date of Loss

Kekuatan Gempa (S.R) Magnitude (S.R)

Manado

19-Mar-15

5.2 SR

Tabel 1.7 di bawah ini menyajikan klaim

Klaim Claim

367,160,000.00

Table 1.7 shows Manado event by

untuk event Manado perjenis okupasi.

occupation.

Tabel 1.7 Kejadian Gempa Bumi Tahun 2015 dan Klaim per Okupasi per 30 Juni 2015 Table 1.7 Earthquake Event in 2015 and Claim per Occupation as at 30 June 2015 Okupasi Occupation Kejadian Event

Frekwensi


Manado

19-Mar-15

Jumlah (Dalam Rupiah)

Frequency

Amount (In Rupiah)

Agrikultural /

Komersial /

Industrial /

Agricultural

Commercial

Industrial

Residential

0

1

0

0

Residensial / Agrikultural /

Tabel di bawah ini adalah daftar klaim

Agricultural

0.00

Komersial /

Industrial /

Residensial /

Commercial

Industrial

Residential

367,160,000.00

0.00

0.00

The table below is a list of the largest claims

terbesar sampai dengan tanggal 30 Juni 2015.

as at 30 June 2015.

Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2015 List of The Largest Claims as at 30 June 2015 Dalam Rupiah In Rupiah

No.

Kejadian Event


Kekuatan Gempa (S.R) Magnitude (S.R)

Klaim Claim

1

ACEH

26-12-2004

9

782,649,961,586.18

2

YOGYA

27-05-2006

5.9

268,635,542,386.91

3

PADANG

06-03-2007

5.8

22,224,113,241.32

4

BENGKULU

12-09-2007

7.9

49,044,007,333.60

5

PADANG

16-08-2009

6.9

42,782,942,555.00

6

TASIKMALAYA

02-09-2009

7.3

7

PARIAMAN

30-09-2009

7.6

1,082,395,841,788.55

8

BIMA

09-11-2009

6.7

43,046,593,135.48

9

MERAPI

25-10-2010

*)

27,499,741,856.40

KELUD

13-02-2014

*)

113,296,619,876.55

10

*) Pe nye ba b terka i t l e tus a n gunung be ra pi Ca us e d by vol ca ni c e rupti on

8


24,400,937,277.87

Tabel 1.8 menyajikan data jumlah polis dan

Table 1.8 shows number of policies, and

loss ratio per 30 Juni 2015. Tabel tersebut

loss ratio as at 30 June 2015. The table show

menunjukkan bahwa loss ratio tertinggi berada

that the biggest loss ratio was at Underwriting

pada Underwriting Year 2013 sebesar 7,25%.

Year 2013 i.e. 7.25%. It was influenced by large

Hal ini dipengaruhi oleh nilai klaim yang cukup

amount of claim that majority resulting from

tinggi yang mayoritas disebabkan dari Erupsi

Kelud Eruption in 2014.

Gunung Kelud tahun 2014. Tabel 1.8 Jumlah Polis dan Loss Ratio per 30 Juni 2015 Table 1.8 Number of Policies and Loss Ratio as at 30 June 2015 Underwriting

Jumlah Polis

Premi *)

Frekwensi Klaim

Jumlah Klaim *)

Year

Number of Policies

Premium *)

Claim Frequency

Incurred Claim *)

2011

117,060

2,821,322,404,542.47

87

6,655,052,732.33

0.24%

2012

111,505

2,645,389,635,380.59

15

1,720,541,980.54

0.07%

2013

115,678

4,251,836,566,234.02

57

308,062,572,795.00

7.25%

2014

125,596

4,242,650,688,164.07

9

1,297,516,301.05

0.03%

2015

34,745

749,699,474,583.64

0

0.00

0.00%

Loss Ratio

Keterangan : *) Dalam Rupiah In Rupiah

Tabel 1.9 menyajikan Premi dan Exposure

Table 1.9 shows Premium and Exposure as

per 30 Juni 2015.

at 30 June 2015.

Tabel 1.9 Premi dan Exposure per 30 Juni 2015 Table 1.9 Premium and Exposure as at 30 June 2015 Dalam Jutaan Rupiah In Million Rupiah

Premi

Exposure

Premium

Exposure

2011

2,821,322.40

2,154,508,565.60

2012

2,645,389.64

1,931,209,404.23

2013

4,251,836.57

2,605,650,673.28

2014

4,242,650.69

2,688,065,075.39

2015

749,699.47

501,167,234.30

T OT AL

14,710,898.77

9,880,600,952.80

Underwriting Year

9


National Aggregate Exposure By Cresta Zone As At 30/06/2015 Tab le 2.1

in IDR U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

Cresta Zone Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

BANDA ACEH

1.1

4,799,061,565,236.65

0.22

3,853,109,114,587.20

0.20

4,584,417,825,419.94

0.18

6,358,619,953,498.16

0.24

455,976,230,003.88

0.09

MEDAN

1.2

46,652,172,698,019.40

2.17

39,461,037,801,624.10

2.04

47,542,841,695,945.20

1.82

52,960,197,728,466.80

1.97

15,266,930,733,632.30

3.05

OTHERS

1.3

98,732,449,809,919.40

4.58

40,046,371,005,873.30

2.07

49,388,292,913,159.30

1.90

50,050,764,200,763.80

1.86

5,459,716,930,089.16

1.09

NORTH SUMATERA

1

150,183,684,073,175.00

6.97

83,360,517,922,084.60

4.32

101,515,552,434,525.00

3.90

109,369,581,882,729.00

4.07

21,182,623,893,725.40

4.23

PADANG

2.1

16,558,741,293,262.30

0.77

18,866,092,244,302.70

0.98

27,019,846,969,932.80

1.04

29,477,769,570,121.90

1.10

4,343,731,570,576.07

0.87

PALEMBANG

2.2

15,670,152,211,490.50

0.73

18,924,640,233,255.90

0.98

22,991,302,055,908.20

0.88

18,812,054,223,542.00

0.70

2,704,718,148,459.90

0.54

OTHERS

2.3

123,060,615,053,710.00

5.71

134,125,533,745,810.00

6.95

150,261,108,880,271.00

5.77

181,058,254,439,927.00

6.74

29,600,541,769,976.90

5.91

SOUTH SUMATERA

2

155,289,508,558,463.00

7.21

171,916,266,223,368.00

8.90

200,272,257,906,112.00

7.69

229,348,078,233,590.00

8.53

36,648,991,489,012.90

7.31

JAKARTA

3.1

464,501,709,083,112.00

21.56

399,151,129,341,981.00

20.67

429,924,032,664,141.00

16.50

531,708,345,423,764.00

19.78

114,243,160,461,085.00

22.80

BANDUNG

3.2

6,881,910,055,825.06

0.32

10,941,392,878,987.80

0.57

10,455,800,182,858.20

0.40

9,865,031,172,512.33

0.37

3,383,533,867,786.94

0.68

OTHERS

3.3

607,607,677,895,557.00

28.20

655,965,204,624,330.00

33.97

974,495,125,173,158.00

37.40

884,594,173,548,510.00

32.91

175,486,957,797,968.00

35.02

WEST JAVA

3

1,078,991,297,034,490.00

50.08

1,066,057,726,845,300.00

55.20

1,414,874,958,020,160.00

54.30

1,426,167,550,144,790.00

53.06

293,113,652,126,839.00

58.49

SEMARANG

4.1

6,547,169,388,280.43

0.30

7,032,671,423,369.66

0.36

8,708,673,384,952.73

0.33

6,094,897,525,335.40

0.23

872,040,937,538.39

0.17

YOGYAKARTA

4.2

10,227,924,407,900.00

0.47

9,213,654,452,599.54

0.48

8,527,858,959,520.06

0.33

13,606,090,868,674.60

0.51

2,202,243,172,949.89

0.44

OTHERS

4.3

116,804,919,938,213.00

5.42

102,486,294,341,901.00

5.31

136,192,546,432,047.00

5.23

139,412,503,264,086.00

5.19

35,491,815,108,839.00

7.08

CENTRAL JAVA

4

133,580,013,734,394.00

6.20

118,732,620,217,870.00

6.15

153,429,078,776,519.00

5.89

159,113,491,658,096.00

5.92

38,566,099,219,327.30

7.70

SURABAYA

5.1

87,137,349,483,550.50

4.04

50,352,975,158,199.70

2.61

37,296,159,313,449.70

1.43

77,159,355,434,089.90

2.87

17,350,016,361,654.30

3.46

OTHERS

5.2

300,813,831,856,445.00

13.96

210,015,661,096,202.00

10.87

200,084,798,977,104.00

7.68

350,891,208,794,371.00

13.05

33,500,806,604,704.10

6.68

EAST JAVA

5

387,951,181,339,995.00

18.01

260,368,636,254,402.00

13.48

237,380,958,290,554.00

9.11

428,050,564,228,461.00

15.92

50,850,822,966,358.40

10.15

KALIMANTAN

6

123,120,604,752,261.00

5.71

101,269,813,257,791.00

5.24

128,063,585,552,569.00

4.91

104,335,917,881,702.00

3.88

19,654,791,173,810.90

3.92

UJUNG PANDANG

7.1

10,441,385,729,218.00

0.48

10,366,655,119,882.30

0.54

14,056,704,460,026.80

0.54

21,486,486,598,491.00

0.80

3,108,512,496,701.43

0.62

OTHERS

7.2

59,644,593,333,905.30

2.77

53,890,334,194,031.10

2.79

39,155,028,523,482.00

1.50

110,822,471,621,368.00

4.12

10,501,222,198,359.10

2.10

SULAWESI

7

70,085,979,063,123.30

3.25

64,256,989,313,913.30

3.33

53,211,732,983,508.80

2.04

132,308,958,219,859.00

4.92

13,609,734,695,060.50

2.72

OTHER ISLANDS

8

55,306,297,043,097.90

2.57

65,246,834,197,369.70

3.38

316,902,549,313,180.00

12.16

99,370,933,137,622.20

3.70

27,540,518,738,916.40

5.50

2,154,508,565,599,000.00

100.00

1,931,209,404,232,100.00

100.00

2,605,650,673,277,120.00

100.00

2,688,065,075,386,850.00

100.00

501,167,234,303,051.00

100.00

T OT AL

10


National Aggregate Exposure By Cresta Zone As at 30 Jun 2015 (In Billion IDR) 133,580,013.73

153,429,078.78 387,951,181.34

237,380,958.29 128,063,585.55

123,120,604.75

1,414,874,958.02

118,732,620.22

1,078,991,297.03

53,211,732.98

260,368,636.25

101,269,813.26

1,066,057,726.85

316,902,549.31

70,085,979.06 55,306,297.04

101,515,552.43 200,272,257.91

150,183,684.07

155,289,508.56 64,256,989.31

UY 2011

UY 2013

65,246,834.20 83,360,517.92 171,916,266.22

UY 2012

159,113,491.66

38,566,099.22

428,050,564.23

50,850,822.97 104,335,917.88

293,113,652.13

19,654,791.17

1,426,167,550.14

13,609,734.70

132,308,958.22

27,540,518.74

99,370,933.14

21,182,623.89

36,648,991.49

109,369,581.88 229,348,078.23

UY 2015

UY 2014

11


National Aggregate Exposure By Occupation As At 30/06/2015 in IDR

Table 2.2

U/Y 2011

Occupation

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

AGRICULTURAL

A

20,170,306,793,199.60

0.94

23,543,592,772,030.10

1.22

25,720,200,428,711.00

0.99

19,270,163,312,967.20

0.72

1,597,018,054,605.00

0.32

COMMERCIAL

C

543,583,034,082,770.00

25.23

452,326,550,885,605.00

23.42

945,213,315,483,594.00

36.28

597,476,872,879,481.00

22.23

139,793,099,008,678.00

27.89

INDUSTRIAL

I

1,358,267,696,554,130.00

63.04

1,225,238,409,045,250.00

63.44

1,317,498,327,917,740.00

50.56

1,684,181,022,050,690.00

62.65

276,039,374,566,958.00

55.08

RESIDENTIAL

R

T OT AL

232,487,528,168,908.00

10.79

230,100,851,529,218.00

11.91

317,218,829,447,078.00

12.17

387,137,017,143,709.00

14.40

83,737,742,672,810.20

16.71

2,154,508,565,599,000.00

100.00

1,931,209,404,232,100.00

100.00

2,605,650,673,277,120.00

100.00

2,688,065,075,386,850.00

100.00

501,167,234,303,051.00

100.00

12


National Aggregate Exposure By Occupation As at 30 Jun 2015 ( In Billion IDR ) Industrial, 1,358,267,696.55

Industrial, 1,317,498,327.92

Industrial, 1,225,238,409.05

Commercial, 945,213,315.48

Residential, 317,218,829.45


Commercial, 543,583,034.08

UY 2011

Agricultural, 25,720,200.43 Residential, 230,100,851.53

Commercial, 452,326,550.89

Agricultural, 20,170,306.79

Industrial, 1,684,181,022.05

UY 2012

Residential, 387,137,017.14 Commercial, 597,476,872.88

Industrial, 276,039,374.57


Commercial, 139,793,099.01



UY 2014

UY 2015

13


UY 2013


National Aggregate Exposure By Interest As At 30/06/2015 Tab le 2.3

Interest

In IDR

U/Y 2011 Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

Building

964,149,559,051,406.00

44.75

799,375,212,157,898.00

41.39

944,225,048,709,218.00

36.24

1,141,640,488,037,040.00

42.47

216,086,403,015,337.00

43.12

Machinery

431,864,434,206,554.00

20.04

390,176,842,966,420.00

20.20

439,278,241,519,240.00

16.86

567,739,735,032,393.00

21.12

89,874,949,638,125.50

17.93

Others

254,262,184,053,071.00

11.80

276,884,980,019,862.00

14.34

473,113,463,073,476.00

18.16

303,309,137,157,491.00

11.28

89,901,024,674,904.50

17.94

Stock

284,182,162,668,283.00

13.19

281,145,992,942,971.00

14.56

324,236,732,577,797.00

12.44

382,403,614,646,182.00

14.23

63,614,494,023,336.10

12.69

Bussiness Interruption

220,050,225,619,690.00

10.21

183,626,376,144,946.00

9.51

424,797,187,397,394.00

16.30

292,972,100,513,744.00

10.90

41,690,362,951,348.10

8.32

2,154,508,565,599,000.00

100.00

1,931,209,404,232,100.00

100.00

2,605,650,673,277,120.00

100.00

2,688,065,075,386,850.00

100.00

501,167,234,303,051.00

100.00

T OT AL

14


National Aggregate Exposure Year By Interest As at 30 Jun 2015 ( In Billion IDR ) 1,200,000,000

1,000,000,000 Building

Machinery 800,000,000

Stock

Others Business Interruption

600,000,000

400,000,000

200,000,000

0

UY 2011

UY 2012

UY 2013

UY 2014

15


UY 2015

National Aggregate Exposure By Province As At 30/06/2015 Tab le 2.4

In IDR U/Y 2011

Province

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

01. NAD

61,716,398,867,310.90

2.86

8,242,681,344,607.12

0.43

9,005,631,873,527.51

0.35

10,502,439,335,646.30

0.39

2,012,264,836,614.09

0.40

02. SUMATERA UTARA

88,467,285,205,864.50

4.11

75,117,836,577,477.50

3.89

92,509,920,560,997.00

3.55

98,867,142,547,082.40

3.68

19,170,359,057,111.30

3.83

03. SUMATERA BARAT

23,705,405,279,292.50

1.10

26,868,884,213,511.40

1.39

37,123,475,274,657.40

1.42

40,486,344,266,288.60

1.51

5,986,661,675,010.23

1.19

04. RIAU

35,064,056,469,754.20

1.63

33,207,775,421,162.90

1.72

48,542,834,210,792.30

1.86

55,840,220,411,325.60

2.08

8,856,689,069,525.49

1.77

05. JAMBI

8,231,659,638,051.55

0.38

10,895,402,638,529.80

0.56

10,972,622,690,169.70

0.42

11,065,716,213,730.40

0.41

1,855,347,995,719.84

0.37

30,750,924,977,797.60

1.43

40,818,497,980,547.40

2.11

40,439,584,412,959.00

1.55

42,679,527,268,529.80

1.59

4,826,759,985,715.52

0.96

07. BENGKULU

4,060,325,847,435.66

0.19

4,433,571,477,580.84

0.23

4,865,040,259,933.02

0.19

5,523,126,676,207.22

0.21

1,043,807,349,664.97

0.21

08. LAMPUNG

27,534,812,464,501.00

1.28

28,273,311,997,973.60

1.46

26,647,584,539,396.70

1.02

37,296,673,198,166.30

1.39

6,617,915,899,229.32

1.32

3,156,384,885,166.98

0.15

3,770,377,555,319.56

0.20

4,527,818,073,658.99

0.17

6,068,796,886,179.60

0.23

582,196,227,782.33

0.12

22,785,938,996,463.70

1.06

23,648,444,938,743.10

1.22

27,153,298,444,545.10

1.04

30,387,673,313,163.00

1.13

6,879,613,286,365.16

1.37

11. JAKARTA

464,501,709,083,112.00

21.56

399,151,129,341,981.00

20.67

429,924,032,664,141.00

16.50

531,708,345,423,764.00

19.78

114,243,160,461,085.00

22.80

12. JAWA BARAT

401,042,121,827,649.00

18.61

449,712,411,951,516.00

23.29

703,131,596,776,920.00

26.98

566,346,269,834,249.00

21.07

123,947,669,414,822.00

24.73

13. JAWA TENGAH

121,725,177,084,954.00

5.65

107,296,512,601,410.00

5.56

141,980,875,350,865.00

5.45

141,193,794,174,169.00

5.25

35,736,117,316,835.70

7.13

11,854,836,649,440.00

0.55

11,436,107,616,460.70

0.59

11,448,203,425,654.20

0.44

17,919,697,483,927.30

0.67

2,829,981,902,491.59

0.56

15. JAWA TIMUR

387,951,181,339,995.00

18.01

260,368,636,254,402.00

13.48

237,380,958,290,554.00

9.11

428,050,564,228,461.00

15.92

50,850,822,966,358.40

10.15

16. BANTEN

213,447,466,123,733.00

9.91

217,194,185,551,802.00

11.25

281,819,328,579,096.00

10.82

328,112,934,886,773.00

12.21

54,922,822,250,932.40

10.96

43,282,480,532,299.20

2.01

50,116,926,207,592.30

2.60

301,787,423,262,199.00

11.58

73,893,929,884,879.80

2.75

22,640,921,910,568.40

4.52

18. NUSA TENGGARA BARAT

3,077,047,054,149.34

0.14

3,836,383,475,500.33

0.20

4,518,812,817,725.11

0.17

11,264,593,036,683.90

0.42

909,288,695,284.98

0.18

19. NUSA TENGGARA TIMUR

1,617,483,032,767.29

0.08

2,108,314,395,720.15

0.11

1,751,136,470,512.98

0.07

2,743,753,156,344.78

0.10

394,355,918,765.46

0.08

20. KALIMANTAN BARAT

7,209,974,391,744.74

0.33

6,288,814,178,617.00

0.33

7,941,811,616,492.80

0.30

11,790,089,041,754.30

0.44

490,115,703,858.68

0.10

21. KALIMANTAN TENGAH

12,214,732,033,229.00

0.57

11,780,711,832,551.60

0.61

17,189,946,010,771.70

0.66

22,696,519,373,241.10

0.84

304,926,375,111.67

0.06

22. KALIMANTAN SELATAN

28,151,320,447,496.90

1.31

14,607,685,305,615.70

0.76

37,104,477,399,895.20

1.42

17,162,099,676,080.10

0.64

7,096,107,359,708.85

1.42

23. KALIMANTAN TIMUR

75,544,577,879,790.50

3.51

68,592,601,941,006.50

3.55

65,827,350,525,409.70

2.53

52,687,209,790,626.40

1.96

11,763,641,735,131.70

2.35

24. SULAWESI UTARA

20,475,241,127,098.30

0.95

11,198,365,054,549.50

0.58

16,568,658,936,005.30

0.64

14,917,784,138,481.30

0.55

2,291,081,855,946.92

0.46

25. SULAWESI TENGAH

2,234,831,075,451.70

0.10

2,113,379,896,386.25

0.11

4,184,131,470,697.59

0.16

3,599,334,941,830.73

0.13

2,104,338,920,152.37

0.42

26. SULAWESI SELATAN

24,508,942,520,664.60

1.14

26,708,791,622,795.70

1.38

27,529,740,570,200.40

1.06

90,455,221,307,121.20

3.37

7,721,022,935,268.02

1.54

9,114,245,475,615.48

0.42

9,050,080,341,377.57

0.47

1,521,959,535,093.63

0.06

17,873,472,932,641.60

0.66

975,672,830,461.00

0.19

12,799,702,686,629.60

0.59

14,066,940,771,299.70

0.73

2,120,342,428,357.58

0.08

2,498,949,922,224.40

0.09

230,375,284,948.23

0.05

953,016,177,663.56

0.04

1,119,431,627,504.72

0.06

1,286,900,043,154.22

0.05

2,964,194,977,560.09

0.11

287,242,868,284.00

0.06

1,012,162,473,294.66

0.05

1,294,838,879,671.43

0.07

1,834,818,640,495.64

0.07

2,177,073,886,117.51

0.08

859,816,826,199.76

0.17

599,594,466,006.82

0.03

839,309,120,352.22

0.04

538,208,280,758.84

0.02

844,564,769,178.50

0.03

209,433,216,129.24

0.04

32. PAPUA BARAT

2,191,055,888,141.29

0.10

3,445,075,692,356.94

0.18

2,612,323,243,092.17

0.10

2,861,725,100,454.56

0.11

506,878,796,805.58

0.10

33. PAPUA

3,526,473,596,439.34

0.16

3,605,986,426,176.26

0.19

3,859,826,598,396.27

0.15

5,585,293,303,963.16

0.21

2,019,823,375,162.99

0.40

2,154,508,565,599,000.00

100.00

1,931,209,404,232,100.00

100.00

2,605,650,673,277,120.00

100.00

2,688,065,075,386,840.00

100.00

501,167,234,303,051.00

100.00

06. SUMATERA SELATAN

09. KEP BANGKA-BELITUNG 10. KEPULAUAN RIAU

14. DIY

17. BALI

27. SULAWESI TENGGARA 28. GORONTALO 29. SULAWESI BARAT 30. MALUKU 31. MALUKU UTARA

T OT AL

16


National Aggregate Exposure By Class Construction As At 30/06/2015 Tab le 2.5

Class Construction

In IDR

U/Y 2011 Amount

Com: Steel‎, ‎Wood‎, ‎RC‎‎≤‎‎‎9 ‎sCom: toreys Steel‎, ‎Wood‎, ‎RC‎‎> ‎9 s‎Com: toreys Others DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎sDW: toreys ‎Others T OT AL

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

1,856,579,576,097,000.00

86.17

1,696,734,961,739,510.00

87.86

2,389,232,839,374,460.00

91.69

2,360,924,486,258,620.00

87.83

435,100,061,566,000.00

86.82

264,191,573,915,759.00

12.26

194,566,317,263,428.00

10.07

176,223,698,370,485.00

6.76

272,462,996,526,647.00

10.14

50,453,295,548,269.70

10.07

947,295,810,660.85

0.04

5,131,225,502,192.94

0.27

4,717,908,330,733.24

0.18

1,391,786,365,416.91

0.05

174,319,462,690.42

0.03

32,717,118,713,398.10

1.52

34,705,856,085,887.70

1.80

35,436,947,072,061.00

1.36

53,169,531,422,103.10

1.98

15,416,612,920,180.80

3.08

73,001,062,189.00

0.003

71,043,641,075.00

0.00

39,280,129,388.00

0.00

116,274,814,055.00

0.00

22,944,805,910.00

0.00

2,154,508,565,599,000.00

100.00

1,931,209,404,232,100.00

100.00

2,605,650,673,277,120.00

100.00

2,688,065,075,386,850.00

100.00

501,167,234,303,051.00

100.00

DEFINISI Konstruksi Commercial Com: Steel, Wood, RC ≤ 9 Com: Steel, Wood, RC > 9 Com: Others

Objek pertanggungan dengan kode okupasi selain rumah tinggal (Kode Okupasi selain 2976) Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai sampai dengan 9 lantai Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai lebih dari 9 lantai Konstruksi bangunan tanpa menggunakan rangka Baja, Kayu, dan Beton Bertulang

Dwelling House DW: Steel, Wood, RC DW: Others

Objek pertanggungan rumah tinggal dengan kode okupasi 2976 (Semua kelas konstruksi) Konstruksi rumah tinggal yang menggunakan rangka Baja, Kayu, Beton Bertulang Konstruksi rumah tinggal tanpa menggunakan rangka Baja, Kayu,dan Beton Bertulang

17


National Aggregate Exposure By Class Construction As at 30 Jun 2015 (in Billion IDR)

Com: Steel, Wood, RC ≤ 9 storeys, 2,389,232,839.37



Com: Steel, Wood, RC > 9 storeys, 194,566,317.26

DW: Others, 73,001.06

DW: Steel, Wood, RC up to 3 storeys, 32,717,118.71

Com: Others, 947,295.81



Com: Others, 4,717,908.33

Com: Others, 5,131,225.50

UY 2011 DW: Others, 71,043.64


UY 2013

DW: Others, 39,280.13 DW: Steel, Wood, RC up to 3 storeys, 35,436,947.07


Com: Steel, Wood, RC ≤ 9 storeys, 435,100,061.57

UY 2012

DW: Others, 116,274.81


Com: Others, 1,391,786.37

DW: ‎Others, 22,944.81



UY 2014

Com: Others, 174,319.46

UY 2015

18



National Gross Premium By Cresta Zone As At 30/06/2015 Tab le 3.1

in IDR U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

Cresta Zone Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

BANDA ACEH

1.1

7,616,473,677.40

0.27

7,270,770,334.31

0.27

8,671,562,333.13

0.20

12,949,221,282.71

0.31

892,159,151.80

0.12

MEDAN

1.2

54,849,290,878.55

1.94

49,028,982,214.66

1.85

64,410,152,058.01

1.51

74,452,259,838.90

1.75

20,193,346,385.75

2.69

OTHERS

1.3

132,329,486,203.50

4.69

52,543,554,383.44

1.99

75,573,831,958.97

1.78

80,740,535,366.22

1.90

8,615,166,286.85

1.15

NORTH SUMATERA

1

194,795,250,759.45

6.90

108,843,306,932.41

4.11

148,655,546,350.11

3.50

168,142,016,487.83

3.96

29,700,671,824.40

3.96

PADANG

2.1

30,870,980,180.28

1.09

35,565,026,539.09

1.34

52,062,491,084.77

1.22

56,678,295,511.21

1.34

7,940,483,158.30

1.06

PALEMBANG

2.2

14,648,819,921.46

0.52

17,692,460,684.60

0.67

24,281,721,017.51

0.57

20,556,779,467.85

0.48

3,074,991,420.39

0.41

OTHERS

2.3

136,969,849,762.64

4.85

155,605,893,467.28

5.88

194,190,187,501.83

4.57

240,857,497,050.15

5.68

37,996,586,002.77

5.07

SOUTH SUMATERA

2

182,489,649,864.38

6.47

208,863,380,690.97

7.90

270,534,399,604.11

6.36

318,092,572,029.21

7.50

49,012,060,581.46

6.54

JAKARTA

3.1

669,813,175,934.73

23.74

598,194,044,611.17

22.61

693,093,334,110.39

16.30

890,739,103,076.03

20.99

181,367,105,417.01

24.19

BANDUNG

3.2

10,069,205,917.11

0.36

16,342,793,344.50

0.62

16,279,558,111.33

0.38

15,845,074,678.59

0.37

5,152,691,687.16

0.69

OTHERS

3.3

837,246,086,303.36

29.68

954,203,812,153.42

36.07

1,664,240,419,693.57

39.14

1,523,384,506,403.11

35.91

282,395,849,964.38

37.67

WEST JAVA

3

1,517,128,468,155.20

53.77

1,568,740,650,109.09

59.30

2,373,613,311,915.29

55.83

2,429,968,684,157.73

57.27

468,915,647,068.55

62.55

SEMARANG

4.1

7,986,696,304.55

0.28

8,721,154,566.99

0.33

11,545,367,381.18

0.27

8,451,156,211.20

0.20

1,158,646,719.82

0.15

YOGYAKARTA

4.2

15,336,936,026.90

0.54

14,027,570,399.90

0.53

13,260,675,808.26

0.31

21,074,808,625.71

0.50

3,398,558,663.44

0.45

OTHERS

4.3

146,322,144,818.04

5.19

128,289,542,295.50

4.85

185,359,588,031.05

4.36

195,796,480,313.85

4.61

44,821,354,617.15

5.98

CENTRAL JAVA

4

169,645,777,149.49

6.01

151,038,267,262.39

5.71

210,165,631,220.49

4.94

225,322,445,150.76

5.31

49,378,560,000.41

6.59

SURABAYA

5.1

110,500,306,327.69

3.92

64,104,661,224.53

2.42

48,078,486,375.47

1.13

108,272,703,197.61

2.55

23,796,751,706.18

3.17

OTHERS

5.2

360,789,369,393.49

12.79

259,614,064,847.87

9.81

281,458,633,926.23

6.62

512,797,353,232.03

12.09

46,794,268,170.66

6.24

EAST JAVA

5

471,289,675,721.18

16.70

323,718,726,072.40

12.24

329,537,120,301.70

7.75

621,070,056,429.64

14.64

70,591,019,876.84

9.42

KALIMANTAN

6

103,644,783,974.23

3.67

93,648,111,530.21

3.54

133,396,548,264.96

3.14

110,375,638,021.44

2.60

19,367,525,479.25

2.58

UJUNG PANDANG

7.1

9,478,927,946.13

0.34

9,898,401,546.96

0.37

14,160,625,142.90

0.33

24,461,587,772.60

0.58

3,325,115,249.15

0.44

OTHERS

7.2

93,690,275,855.82

3.32

82,540,150,406.55

3.12

63,648,397,236.51

1.50

177,246,688,297.98

4.18

15,191,585,268.44

2.03

SULAWESI

7

103,169,203,801.95

3.66

92,438,551,953.51

3.49

77,809,022,379.41

1.83

201,708,276,070.58

4.75

18,516,700,517.59

2.47

OTHER ISLANDS

8

79,159,595,116.55

2.81

98,098,640,829.61

3.71

708,124,986,197.93

16.65

167,970,999,816.88

3.96

44,217,289,235.14

5.90

2,821,322,404,542.43

100.00

2,645,389,635,380.59

100.00

4,251,836,566,234.00

100.00

4,242,650,688,164.07

100.00

749,699,474,583.64

100.00

T OT AL

19


National Gross Premium By Cresta Zone As at 30 Jun 2015 (in Billion IDR) 182,489.65

148,655.55

1,517,128.47 1,568,740.65

270,534.40

708,124.99

194,795.25

2,373,613.31 79,159.60 103,169.20

77,809.02

208,863.38

103,644.78

133,396.55 108,843.31

329,537.12

98,098.64

151,038.27

471,289.68 169,645.78

92,438.55

210,165.63 93,648.11

323,718.73

UY 2013

UY 2011 UY 2012 49,378.56

2,429,968.68

70,591.02 18,516.70 19,367.53

North Sumatera

44,217.29

South Sumatera

318,092.57

29,700.67

West Java 49,012.06

168,142.02

Central Java

167,971.00

East Java 225,322.45

201,708.28

468,915.65

Kalimantan Sulawesi

110,375.64 621,070.06

Other Islands

UY 2015 UY 2014

20


National Gross Premium By Occupation As At 30/06/2015 in IDR

Table 3.2

U/Y 2011

Occupation

Amount AGRICULTURAL

A

COMMERCIAL

C

INDUSTRIAL

I

RESIDENTIAL

R

T OT AL

U/Y 2013

U/Y 2012 %

23,897,315,368.61

0.85

Amount

%

%

29,419,229,652.86

1.11

34,917,831,995.79

0.82

Amount

U/Y 2015 %

Amount

%

24,913,072,274.44

0.59

2,213,841,234.19

0.30

758,200,033,083.93

26.87

646,139,753,626.54

24.43

1,714,074,272,679.52

40.31

918,279,907,201.54

21.64

211,342,544,879.01

28.19

1,696,811,048,866.14

60.14

1,623,908,958,082.86

61.39

2,028,735,955,272.71

47.71

2,679,945,456,394.16

63.17

409,408,218,483.81

54.61

342,414,007,223.76

12.14

345,921,694,018.32

13.08

474,108,506,285.99

11.15

619,512,252,293.91

14.60

126,734,869,986.60

16.90

2,821,322,404,542.44

100.00

2,645,389,635,380.58

100.00

4,251,836,566,234.01

100.00

4,242,650,688,164.05

100.00

749,699,474,583.61

100.00

21


Amount

U/Y 2014

National Aggregate Exposure By Occupation As at 30 Jun 2015 ( In Billion IDR ) Industrial, 1,358,267,696.55

Industrial, 1,317,498,327.92

Industrial, 1,225,238,409.05

Commercial, 945,213,315.48


Commercial, 543,583,034.08

UY 2011



Commercial, 452,326,550.89


UY 2013


Industrial, 1,684,181,022.05

UY 2012

Residential, 387,137,017.14 Commercial, 597,476,872.88

Industrial, 276,039,374.57


Commercial, 139,793,099.01 Agricultural, 1,597,018.05


UY 2014

UY 2015

22



National Gross Premium By Province As At 30/06/2015 Tab le 3.4

In IDR Province

U/Y 2011 Amount

01. NAD

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

87,633,935,480.81

3.11

12,339,609,702.98

0.47

16,000,089,081.17

0.38

20,609,783,323.99

0.49

4,080,010,889.93

0.54

02. SUMATERA UTARA

107,161,315,278.64

3.80

96,503,697,229.43

3.65

132,655,457,268.94

3.12

147,532,233,163.83

3.48

25,620,660,934.47

3.42

03. SUMATERA BARAT

41,474,958,579.02

1.47

48,233,293,860.42

1.82

70,756,638,221.95

1.66

77,752,878,894.61

1.83

11,061,908,127.01

1.48

04. RIAU

35,256,215,244.00

1.25

35,116,440,154.63

1.33

57,032,212,594.66

1.34

65,456,663,285.11

1.54

10,915,939,574.32

1.46

8,038,465,820.08

0.28

10,792,361,697.51

0.41

12,415,466,743.59

0.29

12,835,067,200.00

0.30

2,065,719,898.33

0.28

31,570,394,331.29

1.12

42,553,796,688.77

1.61

47,618,834,510.66

1.12

54,363,982,437.68

1.28

5,819,862,986.69

0.78

7,255,605,295.58

0.26

8,246,317,200.13

0.31

9,816,378,489.19

0.23

11,308,556,281.71

0.27

1,982,852,075.15

0.26

37,249,898,677.14

1.32

39,937,679,016.11

1.51

40,697,993,284.28

0.96

58,305,588,868.68

1.37

9,786,272,322.92

1.31

2,757,422,298.01

0.10

3,395,498,865.56

0.13

4,399,197,760.16

0.10

5,927,025,417.45

0.14

564,203,690.76

0.08

18,886,689,619.28

0.67

20,587,993,207.84

0.78

27,797,677,999.64

0.65

32,142,809,643.98

0.76

6,815,301,906.27

0.91

11. JAKARTA

669,813,175,934.73

23.74

598,194,044,611.17

22.61

693,093,334,110.39

16.30

890,739,103,076.03

20.99

181,367,105,417.01

24.19

12. JAWA BARAT

549,928,012,533.25

19.49

652,119,622,168.56

24.65

1,201,212,083,152.70

28.25

960,048,952,405.69

22.63

198,011,912,951.79

26.41

13. JAWA TENGAH

151,888,826,113.28

5.38

133,697,602,983.98

5.05

192,446,830,337.54

4.53

197,433,204,350.41

4.65

45,031,546,624.69

6.01

17,756,951,036.21

0.63

17,340,664,278.42

0.66

17,718,800,882.95

0.42

27,889,240,800.34

0.66

4,347,013,375.71

0.58

15. JAWA TIMUR

471,289,675,721.19

16.70

323,718,726,072.40

12.24

329,537,120,301.70

7.75

621,070,056,429.64

14.64

70,591,019,876.83

9.42

16. BANTEN

297,387,279,687.22

10.54

318,426,983,329.37

12.04

479,307,894,652.20

11.27

579,180,628,676.02

13.65

89,536,628,699.75

11.94

05. JAMBI 06. SUMATERA SELATAN 07. BENGKULU 08. LAMPUNG 09. KEP BANGKA-BELITUNG 10. KEPULAUAN RIAU

14. DIY

17. BALI

60,357,067,500.68

2.14

72,955,767,038.10

2.76

681,052,832,813.72

16.02

121,227,503,161.89

2.86

35,744,922,028.96

4.77


5,152,954,498.64

0.18

7,087,522,827.65

0.27

8,803,236,498.45

0.21

21,598,527,274.20

0.51

1,615,570,548.83

0.22


2,433,951,389.85

0.09

3,237,699,303.25

0.12

2,811,438,143.35

0.07

4,536,858,829.59

0.11

618,427,489.42

0.08


6,292,796,630.20

0.22

5,585,406,508.55

0.21

7,697,153,563.11

0.18

11,747,928,642.44

0.28

455,336,031.89

0.06


10,262,245,474.31

0.36

10,662,231,788.53

0.40

17,818,984,376.90

0.42

23,437,652,588.32

0.55

285,040,359.44

0.04


23,762,331,278.15

0.84

13,300,017,057.15

0.50

37,466,701,388.96

0.88

18,451,109,369.07

0.43

6,422,796,819.75

0.86


63,327,410,591.57

2.24

64,100,456,175.97

2.42

70,413,708,935.99

1.66

56,738,947,421.61

1.34

12,204,352,268.18

1.63

24. SULAWESI UTARA

37,726,468,368.21

1.34

21,023,484,666.00

0.79

34,273,037,525.63

0.81

30,876,898,508.27

0.73

4,401,661,267.75

0.59

3,453,309,420.21

0.12

3,327,226,990.16

0.13

6,867,207,802.25

0.16

6,112,014,026.74

0.14

3,555,642,431.78

0.47


24,634,050,796.95

0.87

27,691,959,517.82

1.05

28,396,199,459.62

0.67

127,859,578,638.06

3.01

8,265,713,882.66

1.10

27. SULAWESI TENGGARA

10,519,505,924.99

0.37

10,819,930,441.97

0.41

2,279,641,062.89

0.05

27,498,946,542.37

0.65

1,415,979,324.98

0.19

28. GORONTALO

25,429,339,114.68

0.90

27,899,410,999.48

1.05

4,065,456,398.12

0.10

4,905,177,788.98

0.12

448,234,484.52

0.06

29. SULAWESI BARAT

1,406,530,176.92

0.05

1,676,539,338.07

0.06

1,927,480,130.89

0.05

4,455,660,566.16

0.11

429,469,125.90

0.06

30. MALUKU

1,761,141,005.57

0.06

2,361,244,475.46

0.09

3,455,919,928.49

0.08

4,242,062,725.97

0.10

1,631,640,570.44

0.22

31. MALUKU UTARA

1,055,956,776.04

0.04

1,480,820,184.17

0.06

1,040,331,975.79

0.02

1,653,435,655.74

0.04

406,110,547.80

0.05

32. PAPUA BARAT

3,177,814,430.49

0.11

5,138,537,640.92

0.19

4,219,806,774.84

0.10

4,694,917,611.28

0.11

788,121,868.52

0.11

33. PAPUA

5,220,709,515.28

0.19

5,837,049,360.06

0.22

6,741,420,063.30

0.16

10,017,694,558.21

0.24

3,412,496,181.17

0.46

2,821,322,404,542.47 100.00

2,645,389,635,380.59

100.00

4,251,836,566,234.02

100.00

25. SULAWESI TENGAH

T OT AL

23


4,242,650,688,164.07 100.00

749,699,474,583.62 100.00

National Gross Premium By Class Construction As At 30/06/2015 in IDR

Tab le 3.5

Class Construction

U/Y 2011 Amount

U/Y 2013

U/Y 2012

%

Amount

%

2,384,154,318,674.75

84.50

2,280,990,053,904.31

86.23

3,903,188,186,063.03

91.80

3,691,987,105,848.18

87.02

645,915,437,667.36

86.16

Com: Steel, Wood, RC > 9

392,241,038,275.69

13.90

310,752,411,244.27

11.75

293,198,811,160.08

6.90

475,221,321,335.05

11.20

82,352,755,334.91

10.98

1,759,846,644.28

0.06

7,722,471,413.19

0.29

7,779,732,373.47

0.18

2,909,311,683.91

0.07

368,463,903.86

0.05

43,002,828,958.58

1.52

45,758,363,723.03

1.73

47,563,123,197.75

1.12

72,152,941,718.11

1.70

20,987,266,218.72

2.80

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎s toreys DW: ‎Others T OT AL

Amount

%

Amount

%

Amount

U/Y 2015

Com:‎Steel,‎Wood,‎RC‎≤‎9

Com: Others

%

U/Y 2014

164,371,989.15

0.01

166,335,095.78

0.01

106,713,439.67

0.00

380,007,578.80

0.01

75,551,458.76

0.01

2,821,322,404,542.45

100.00

2,645,389,635,380.58

100.00

4,251,836,566,234.00

100.00

4,242,650,688,164.05

100.00

749,699,474,583.61

100.00





24


National Gross Premium By Class Construction As at 30 Jun 2015 (in Billion IDR)

Com: Steel, Wood, RC ≤ 9, 3,903,188.19

Com: Steel, Wood, RC ≤ 9, 2,384,154.32

Com: Steel, Wood, RC ≤ 9, 2,280,990.05 DW: Steel, Wood, RC up to 3 storeys, 43,002.83

Com: Others, 7,779.73

DW: Others, 164.37


UY 2011

DW: Others, 106.71

DW: Others, 166.34

Com: Steel, Wood, RC > 9, 392,241.04


Com: Steel, Wood, RC > 9, 310,752.41

DW: Steel, Wood, RC up to 3 storeys, 45,758.36

Com: Steel, Wood, RC > 9, 293,198.81


UY 2013

Com: Steel, Wood, RC ≤ 9, 3,691,987.11 Com: Steel, Wood, RC ≤ 9, 645,915.44

UY 2012

Com: Steel, Wood, RC > 9, 475,221.32

DW: Others, 380.01

DW: Others, 75.55




UY 2014

25


Com: Steel, Wood, RC > 9, 82,352.76

UY 2015 Com: Others, 368.46

Number Of Risk By Cresta Zone As At 30/06/2015 Table 4.1

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

Cresta Zone Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

BANDA ACEH

1.1

518

0.31%

588

0.34%

605

0.32%

600

0.28%

158

0.32%

MEDAN

1.2

5,777

3.48%

6,002

3.47%

6,598

3.50%

7,330

3.47%

1,972

4.03%

OTHERS

1.3

NORTH SUMATERA

1

PADANG

2.1

PALEMBANG OTHERS

4,491

2.71%

4,654

2.69%

3,910

2.07%

5,002

2.37%

880

1.80%

10,786

6.50%

11,244

6.50%

11,113

5.90%

12,932

6.12%

3,010

6.14%

9,869

5.95%

10,638

6.15%

10,653

5.65%

12,344

5.84%

3,939

8.04%

2.2

1,443

0.87%

1,533

1,883

2.3

16,565

9.98%

SOUTH SUMATERA

2

27,877

16.80%

JAKARTA

3.1

38,645 23.29%

BANDUNG

3.2

OTHERS

3.3

34,085 20.54%

36,684 21.19%

38,777 20.57%

46,679 22.08%

11,247 22.96%

WEST JAVA

3

73,877

44.52%

74,906

43.27%

88,525

46.96%

97,217

45.99%

22,660

46.26%

SEMARANG

4.1

669

0.40%

803

0.46%

916

0.49%

970

0.46%

157

0.32%

YOGYAKARTA

4.2

2,155

1.30%

2,309

1.33%

2,188

1.16%

2,538

1.20%

635

1.30%

OTHERS

4.3

9,711

5.85%

10,322

5.96%

10,492

5.57%

14,155

6.70%

3,492

7.13%

CENTRAL JAVA

4

12,535

7.55%

13,434

7.76%

13,596

7.21%

17,663

8.36%

4,284

8.75%

SURABAYA

5.1

6,063

3.65%

6,180

3.57%

6,240

3.31%

6,110

2.89%

1,474

3.01%

OTHERS

5.2

7,287

4.39%

7,802

4.51%

8,384

4.45%

11,194

5.30%

1,564

3.19%

EAST JAVA

5

13,350

8.05%

13,982

8.08%

14,624

7.76%

17,304

8.19%

3,038

6.20%

KALIMANTAN

6

5,727

3.45%

7,633

4.41%

7,055

3.74%

6,791

3.21%

917

1.87%

UJUNG PANDANG

7.1

1,851

1.12%

1,914

1.11%

2,058

1.09%

1,922

0.91%

428

0.87%

OTHERS

7.2

7,029

4.24%

6,206

3.59%

6,259

3.32%

6,117

2.89%

1,239

2.53%

SULAWESI

7

8,880

5.35%

8,120

4.69%

8,317

4.41%

8,039

3.80%

1,667

3.40%

12,908

7.78%

14,229

8.22%

14,840

7.87%

16,015

7.58%

4,366

8.91%

165,940

100%

173,097

100%

188,493

100%

211,382

100%

48,983

100%

OTHER ISLANDS TOTAL

8

1,147

0.69%

0.89%

1,873

0.99%

17,378 10.04%

17,897

9.49%

29,549

30,423

16.14%

17.07%

36,236 20.93% 1,986

1.15%

26


47,625 25.27% 2,123

1.13%

0.89%

326

0.67%

21,194 10.03%

4,776

9.75%

35,421

9,041

18.46%

16.76%

48,501 22.94% 2,037

0.96%

10,593 21.63% 820

1.67%

Number of Risk By Cresta Zone As at 30 Jun 2015 100,000 90,000 80,000

UY 2011

70,000

UY 2012 UY 2013

60,000

UY 2014

50,000

UY 2015

40,000 30,000 20,000 10,000 0 North Sumatera

South Sumatera

West Java

Central Java

East Java

27


Kalimantan

Sulawesi

Other Islands

Number Of Risk By Occupation As At 30/06/2015 Tab le 4.2

Occupation

U/Y 2011

%

U/Y 2012

%

U/Y 2013

%

U/Y 2014

%

U/Y 2015

%

AGRICULTURAL

A

379

0.23

420

0.24

482

0.26

420

0.20

59

0.12

COMMERCIAL

C

91,426

55.10

94,389

54.53

100,292

53.21

109,009

51.57

20,377

41.60

INDUSTRIAL

I

14,997

9.04

17,099

9.88

18,252

9.68

17,159

8.12

3,079

6.29

RESIDENTIAL

R

59,138

35.64

61,189

35.35

69,467

36.85

84,794

40.11

25,468

51.99

165,940

100.00

173,097

100.00

188,493

100.00

211,382

100.00

48,983

100.00

TOTAL

28


Number of Risk By Occupation As at 30 Jun 2015 Industrial, 14,997

Agricultural, 482

Residential, 69,467

Commercial, 91,426 Commercial, 94,389

Industrial, 17,099 Residential, 59,138

Commercial, 100,292

Industrial, 18,252

Agricultural, 379

Residential, 61,189

UY 2011

Agricultural, 420

UY 2013

Industrial, 3,079

Commercial, 109,009

UY 2012

Residential, 25,468

Industrial, 17,159

Agricultural, 420

Commercial, 20,377

Residential, 84,794

UY 2015

UY 2014

29


Agricultural, 59

Number Of Risk By Class Construction As At 30/06/2015 Tab le 4.3

Class Construction

U/Y 2011

%

U/Y 2012

%

U/Y 2013

%

U/Y 2014

%

U/Y 2015

%

Com:‎Steel,‎Wood,‎RC‎≤‎9

121,236

73.06

121,689

70.30

139,099

73.80

144,726

68.47

32,654

66.66

Com: Steel, Wood, RC > 9

4,312

2.60

5,613

3.24

5,220

2.77

18,074

8.55

1,582

3.23

Com: Others

4,436

2.67

10,409

6.01

10,109

5.36

1,639

0.78

220

0.45

35,795

21.57

35,211

20.34

33,969

18.02

46,645

22.07

14,450

29.50

161

0.10

175

0.10

96

0.05

298

0.14

77

0.16

165,940

100.00

173,097

100.00

188,493

100.00

211,382

100.00

48,983

100.00

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎s toreys DW: ‎Others

TOTAL





30


Number of Risk By Class Construction As at 30 Jun 2015

Com: Steel, Wood, RC > 9, 4,312 Com: Steel, Wood, RC ≤ 9, 139,099 Com: Others , 4,436

Com: Others , 10,409

Com: Steel, Wood, RC > 9, 5,613

DW: Steel, Wood, RC up to 3 storeys, 35,211


Com: Steel, Wood, RC ≤ 9, 121,236

DW: Others , 175


DW: Others , 96

Com: Steel, Wood, RC ≤ 9, 121,689 DW: Others , 161

Com: Others , 10,109

UY 2013

UY 2011


Com: Others , 1,639




Com: Others , 220

UY 2012



DW: Others , 298 DW: Others , 77

UY 2015

UY 2014

31



Claim Frequency by Cresta Zone As At 30/06/2015 Table 5.1

U/Y 2011 Cresta Zone

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

BANDA ACEH

1.1

4

5%

6

40%

1

2%

0

0%

0

0%

MEDAN

1.2

8

9%

2

13%

0

0%

0

0%

0

0%

OTHERS

1.3

2

2%

0

0%

0

0%

0

0%

0

0%

NORTH SUMATERA PADANG

1 2.1

14 5

16% 6%

8 0

53% 0%

1 1

2% 2%

0 1

0% 11%

0 0

0% 0%

PALEMBANG

2.2

0

0%

0

0%

0

0%

0

0%

0

0%

OTHERS

2.3

8

9%

1

7%

1

2%

0

0%

0

0%

SOUTH SUMATERA JAKARTA

2 3.1

13 0

15% 0%

1 0

7% 0%

2 0

4% 0%

1 0

11% 0%

0 0

0% 0%

BANDUNG

3.2

1

1%

0

0%

1

2%

0

0%

0

0%

OTHERS

3.3

1

1%

1

7%

0

0%

0

0%

0

0%

WEST JAVA SEMARANG

3 4.1

2 0

2% 0%

1 0

7% 0%

1 0

2% 0%

0 0

0% 0%

0 0

0% 0%

YOGYAKARTA

4.2

0

0%

0

0%

5

9%

0

0%

0

0%

OTHERS

4.3

0

0%

0

0%

6

11%

0

0%

0

0%

CENTRAL JAVA SURABAYA

4 5.1

0 0

0% 0%

0 0

0% 0%

11 0

19% 0%

0 0

0% 0%

0 0

0% 0%

OTHERS

5.2

0

0%

0

0%

39

68%

3

33%

0

0%

EAST JAVA KALIMANTAN

5 6

0 0

0% 0%

0 0

0% 0%

39 0

68% 0%

3 0

33% 0%

0 0

0% 0%

UJUNG PANDANG

7.1

0

0%

0

0%

0

0%

0

0%

0

0%

OTHERS

7.2

1

1%

2

13%

0

0%

3

33%

0

0%

SULAWESI OTHER ISLANDS

7 8

1 57

1% 66%

2 3

13% 20%

0 3

0% 5%

3 2

33% 22%

0 0

0% 0%

87

100%

15

100%

57

100%

9

100%

0

0%

TOTAL

32


Claim Frequency By Cresta Zone As at 30 June 2015 60

57

50 North Sumatera 39

South Sumatera

40

West Java Central Java

30

East Java Kalimantan

Sulawesi

20

Other Islands

1413

11 8

10 2

0 00 1

11 0 0 0

2

3

1 2 1

3 0 0

0

1

3 0 0

3 0

2

0 0 0 0 0 0 00

0 UY 2011

UY 2012

UY 2013

UY 2014

33


UY 2015

Claim Frequency by Occupation As At 30/06/2015 Tab le 5.2

Occupation

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

AGRICULTURAL

A

0

0

0

0

0

COMMERCIAL

C

62

14

45

7

0

INDUSTRIAL

I

0

0

5

0

0

RESIDENTIAL

R

25

1

7

2

0

87

15

57

9

0

TOTAL

34


1867

58

108

11

Claim Frequency By Occupation As at 30 June 2015

70 62 60

Agricultural 50

45 Commercial

40 Industrial

25

30

Residential 20

14 5

10 0

0

0

0

1

7

7

0

0

0

2

0

0

0 UY 2011

UY 2012

UY 2013

UY 2014

35


UY 2015

0

0

Claim by Cresta Zone As At 30/06/2015 Tab le 5.4

In IDR

Cresta Zone

U/Y 2011

U/Y 2012

Amount

%

U/Y 2013

Amount

%

U/Y 2014

Amount

%

Amount

U/Y 2015 %

Amount

%

BANDA ACEH

1.1

363,816,500.00

5.47

1,430,714,900.00

83.15

20,985,349.73

0.01

0.00

0.00

0.00

0.00

MEDAN

1.2

96,659,672.63

1.45

14,936,201.00

0.87

0.00

0.00

0.00

0.00

0.00

0.00

OTHERS

1.3

156,092,898.00

2.35

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

NORTH SUMATERA

1

616,569,070.63

9.26

1,445,651,101.00

84.02

20,985,349.73

0.01

0.00

0.00

0.00

0.00

PADANG

2.1

29,390,800.00

0.44

0.00

0.00

6,706,092.35

0.00

16,000,000.00

1.23

0.00

0.00

PALEMBANG

2.2

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

OTHERS

2.3

2,960,841,000.00

44.49

50,000,000.00

2.91

3,995,032.99

0.00

0.00

0.00

0.00

0.00

SOUTH SUMATERA

2

2,990,231,800.00

44.93

50,000,000.00

2.91

10,701,125.34

0.00

16,000,000.00

1.23

0.00

0.00

JAKARTA

3.1

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

BANDUNG

3.2

67,353,075.00

1.01

0.00

0.00

22,495,295.61

0.01

0.00

0.00

0.00

0.00

OTHERS

3.3

7,100,000.00

0.11

17,438,200.00

1.01

0.00

0.00

0.00

0.00

0.00

0.00

WEST JAVA

3

74,453,075.00

1.12

17,438,200.00

1.01

22,495,295.61

0.01

0.00

0.00

0.00

0.00

SEMARANG

4.1

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

YOGYAKARTA

4.2

0.00

0.00

0.00

0.00

1,500,455,237.19

0.49

0.00

0.00

0.00

0.00

OTHERS

4.3

0.00

0.00

0.00

0.00

29,104,464,265.10

9.45

0.00

0.00

0.00

0.00

CENTRAL JAVA

4

0.00

0.00

0.00

0.00

30,604,919,502.29

9.93

0.00

0.00

0.00

0.00

SURABAYA

5.1

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

OTHERS

5.2

0.00

0.00

0.00

0.00

277,370,076,854.07

90.04

111,029,676.05

8.56

0.00

0.00

EAST JAVA

5

0.00

0.00

0.00

0.00

277,370,076,854.07

90.04

111,029,676.05

8.56

0.00

0.00

KALIMANTAN

6

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UJUNG PANDANG

7.1

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

OTHERS

7.2

6,662,800.00

0.10

77,942,400.00

4.53

0.00

0.00

820,076,625.00

63.20

0.00

0.00

SULAWESI

7

6,662,800.00

0.10

77,942,400.00

4.53

0.00

0.00

820,076,625.00

63.20

0.00

0.00

OTHER ISLANDS

8

2,967,135,986.70

44.58

129,510,279.54

7.53

33,394,667.96

0.01

350,410,000.00

27.01

0.00

0.00

6,655,052,732.33

100.00

1,720,541,980.54

100.00

308,062,572,795.00

100.00

1,297,516,301.05

100.00

0.00

0.00

TOTAL

36


Claim By Cresta Zone As at 30 June 2015 West Java, 74.45

( In Million IDR )

East Java, 0.00 Kalimantan, 0.00 Sulawesi, 6.66

East Java, 277,370.08

Central Java, 0.00 South Sumatera, 2,990.23 North Sumatera, 1,445.65

Other Islands, 33.39

North Sumatera, 616.57

South Sumatera, 10.70

Other Islands, 2,967.14

South Sumatera, 50.00

Other Islands, 129.51 Central Java, 0.00

UY 2011

West Java, 17.44

Sulawesi, 77.94

Central Java, 30,604.92 West Java, 22.50 Kalimantan, 0.00

East Java, 0.00 Kalimantan, 0.00


UY 2013

Sulawesi, 0.00

UY 2012

Sulawesi, 820.08

Sulawesi, 0.00

East Java, 111.03

Central Java, 0.00

East Java, 0.00

Kalimantan, 0.00 UY 2015

Other Islands, 350.41 UY 2014

37



Other Islands, 0.00 West Java, 0.00 South Sumatera, 0.00

South Sumatera, 16.00 West Java, 0.00 North Sumatera, 0.00 Central Java, 0.00 Kalimantan, 0.00

Claim by Occupation As At 30/06/2015 Table 5.5

In IDR

Occupation

U/Y 2011

U/Y 2012

Amount

%

U/Y 2013

Amount

%

U/Y 2014

Amount

%

Amount

U/Y 2015 %

Amount

%

AGRICULTURAL

A

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

COMMERCIAL

C

6,375,313,072.29

95.80

1,670,541,980.54

97.09

306,212,972,292.31

99.40

1,228,599,676.05

94.69

0.00

0.00

INDUSTRIAL

I

0.00

0.00

0.00

0.00

1,750,356,290.96

0.57

0.00

0.00

0.00

0.00

RESIDENTIAL

R

TOTAL

279,739,660.04

4.20

50,000,000.00

2.91

99,244,211.73

0.03

68,916,625.00

5.31

0.00

0.00

6,655,052,732.33

100.00

1,720,541,980.54

100.00

308,062,572,795.00

100.00

1,297,516,301.05

100.00

0.00

0.00

38


Claim By Occupation As at 30 June 2015

Commercial 95.80%

Commercial 99.40%

Commercial 97.09%

Industrial 0.57%

Agricultural 0.00% Industrial 0.00%

Residential 4.20%

Residential 0.03%

Industrial 0.00%

UY 2011

Agricultural 0.00%

UY 2013

Agricultural 0.00%

Residential 2.91%

Commercial 94.69%

UY 2012

Industrial 0.00%

Residential 5.31%

Agricultural 0.00%

Commercial 0.00%

UY 2014

Agricultural 0.00% Residential 0.00%

UY 2015

39


Industrial 0.00%

PT. Reasuransi MAIPARK Indonesia

RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR

:2011 -2015

OCCUPATION

:ALL

PROCESSING DATE

SUM INSURED (BAND) (in million Rp) BAND

(a)

FROM

TO

(b)

(c)

GROSS PREMIUM (In million Rp)

NUMBER OF RISK

f

CUM ∑(f)

(f)

(g)

rp

Rp ∑(h)

PERCENTAGE BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

(h)

(i)

8.79

8.79

2,636.63

2,636.63

0.02

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

57,506.00 126,783.00

7.30

16.09

6,780.21

9,416.83

0.05

0.06

2.00

2.00

1.19

1.19

16.04

16.04

0.01

0.01

0.24

0.17

3

100.00 200.00

80,521.00 207,304.00

10.22

26.31

17,816.33

27,233.17

0.12

0.19

6.00

8.00

3.57

4.76

91.65

107.69

0.03

0.03

0.51

0.40

4

200.00 300.00

59,683.00 266,987.00

7.57

33.89

21,931.75

49,164.92

0.15

0.33

7.00

15.00

4.17

8.93

394.53

502.22

0.12

0.16

1.80

1.02

5

300.00 500.00

91,973.00 358,960.00

11.67

45.56

54,081.95

103,246.86

0.37

0.70

29.00

44.00

17.26

26.19

349.20

851.42

0.11

0.27

0.65

0.82

6

500.00 750.00

71,336.00 430,296.00

9.05

54.61

63,277.52

166,524.38

0.43

1.13

11.00

55.00

6.55

32.74

518.51

1,369.93

0.16

0.43

0.82

0.82

7

750.00 1,000.00

68,352.00 498,648.00

8.68

63.29

86,723.20

253,247.58

0.59

1.72

11.00

66.00

6.55

39.29

843.50

2,213.43

0.27

0.70

0.97

0.87

8

1,000.00 1,500.00

70,507.00 569,155.00

8.95

72.24

123,435.69

376,683.27

0.84

2.56

20.00

86.00

11.90

51.19

865.96

3,079.39

0.27

0.97

0.70

0.82

9

1,500.00 2,000.00

37,517.00 606,672.00

4.76

77.00

93,766.70

470,449.97

0.64

3.20

10.00

96.00

5.95

57.14

1,017.27

4,096.66

0.32

1.29

1.08

0.87

10

2,000.00 2,500.00

23,156.00 629,828.00

2.94

79.94

74,138.07

544,588.04

0.50

3.70

6.00

102.00

3.57

60.71

1,006.60

5,103.26

0.32

1.61

1.36

0.94

11

2,500.00 3,000.00

18,030.00 647,858.00

2.29

82.23

70,729.42

615,317.47

0.48

4.18

5.00

107.00

2.98

63.69

986.08

6,089.34

0.31

1.92

1.39

0.99

12

3,000.00 4,000.00

22,795.00 670,653.00

2.89

85.12

112,626.51

727,943.97

0.77

4.95

7.00

114.00

4.17

67.86

654.98

6,744.32

0.21

2.12

0.58

0.93

13

4,000.00 5,000.00

16,184.00 686,837.00

2.05

87.17

104,019.37

831,963.34

0.71

5.66

4.00

118.00

2.38

70.24

223.31

6,967.63

0.07

2.19

0.21

0.84

14

5,000.00 7,500.00

22,220.00 709,057.00

2.82

89.99

192,177.21

1,024,140.55

1.31

6.96

13.00

131.00

7.74

77.98

1,821.00

8,788.63

0.57

2.77

0.95

0.86

15

7,500.00 10,000.00

14,449.00 723,506.00

1.83

91.83

181,022.93

1,205,163.49

1.23

8.19

6.00

137.00

3.57

81.55

2,366.09

11,154.71

0.74

3.51

1.31

0.93

16

10,000.00 20,000.00

22,586.00 746,092.00

2.87

94.69

455,545.58

1,660,709.07

3.10

11.29

8.00

145.00

4.76

86.31

1,448.90

12,603.61

0.46

3.97

0.32

0.76

17

20,000.00 50,000.00

19,396.00 765,488.00

2.46

97.16

869,836.02

2,530,545.09

5.91

17.20

9.00

154.00

5.36

91.67

3,068.86

15,672.46

0.97

4.93

0.35

0.62

18

50,000.00 100,000.00

9,755.00 775,243.00

1.24

98.39

950,007.86

3,480,552.95

6.46

23.66

5.00

159.00

2.98

94.64

29,844.65

45,517.12

9.39

14.33

3.14

1.31

19

100,000.00 500,000.00

9,963.00 785,206.00

1.26

99.66 2,963,947.75

6,444,500.70

20.15

43.81

9.00

168.00

5.36 100.00 272,218.57

317,735.68

85.67

100.00

9.18

4.93

20

500,000.00 UP

2,689.00 787,895.00

0.34

100.00 8,266,398.07

14,710,898.77

56.19

100.00

0.00

168.00

0.00 100.00

317,735.68

0.00

100.00

0.00

2.16

0.00 50.00

2

69,277.00

(e)

PERCENTAGE BAND (d)/∑(d)

INCURED CLAIM (In million Rp)

CLAIM FREQUENCY

69,277.00

1

(d)

F ∑(d)

27/07/2015

40


0.00



: 2015

OCCUPATION

: ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

2,540.00

2,540.00

5.19

5.19

106.05

106.05

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

2,241.00

4,781.00

4.58

9.76

279.46

385.50

0.04

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

4,002.00

8,783.00

8.17

17.93

932.37

1,317.88

0.12

0.18

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

4,333.00

13,116.00

8.85

26.78

1,647.79

2,965.67

0.22

0.40

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

6,926.00

20,042.00

14.14

40.92

4,121.77

7,087.44

0.55

0.95

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

5,021.00

25,063.00

10.25

51.17

4,437.56

11,525.00

0.59

1.54

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

4,511.00

29,574.00

9.21

60.38

5,729.89

17,254.89

0.76

2.30

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

4,554.00

34,128.00

9.30

69.67

8,010.64

25,265.54

1.07

3.37

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

2,788.00

36,916.00

5.69

75.36

6,890.55

32,156.09

0.92

4.29

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

1,716.00

38,632.00

3.50

78.87

5,437.41

37,593.50

0.73

5.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

1,261.00

39,893.00

2.57

81.44

4,933.91

42,527.41

0.66

5.67

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

1,612.00

41,505.00

3.29

84.73

7,796.60

50,324.00

1.04

6.71

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

1,157.00

42,662.00

2.36

87.10

7,464.90

57,788.90

1.00

7.71

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

1,510.00

44,172.00

3.08

90.18

12,993.18

70,782.08

1.73

9.44

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

962.00

45,134.00

1.96

92.14

12,019.54

82,801.62

1.60

11.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

1,380.00

46,514.00

2.82

94.96

27,168.53

109,970.14

3.62

14.67

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

1,115.00

47,629.00

2.28

97.24

51,425.61

161,395.75

6.86

21.53

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

586.00

48,215.00

1.20

98.43

59,055.76

220,451.51

7.88

29.41

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

620.00

48,835.00

1.27

99.70

183,951.72

404,403.23

24.54

53.94

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

148.00

48,983.00

0.30

100.00

345,296.25

749,699.47

46.06

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

41




: 2014

OCCUPATION

: ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

16,759.00

16,759.00

7.93

7.93

524.64

524.64

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

14,281.00

31,040.00

6.76

14.68

1,702.41

2,227.05

0.04

0.05

1.00

1.00

11.11

11.11

12.24

12.24

0.94

0.94

0.72

0.55

3

100.00 200.00

18,912.00

49,952.00

8.95

23.63

4,065.90

6,292.96

0.10

0.15

0.00

1.00

0.00

11.11

0.00

12.24

0.00

0.94

0.00

0.19

4

200.00 300.00

14,257.00

64,209.00

6.74

30.38

5,137.84

11,430.80

0.12

0.27

2.00

3.00

22.22

33.33

54.79

67.03

4.22

5.17

1.07

0.59

5

300.00 500.00

27,096.00

91,305.00

12.82

43.19

15,751.06

27,181.85

0.37

0.64

0.00

3.00

0.00

33.33

0.00

67.03

0.00

5.17

0.00

0.25

6

500.00 750.00

23,951.00 115,256.00

11.33

54.52

21,233.34

48,415.19

0.50

1.14

0.00

3.00

0.00

33.33

0.00

67.03

0.00

5.17

0.00

0.14

7

750.00 1,000.00

21,885.00 137,141.00

10.35

64.88

27,168.89

75,584.07

0.64

1.78

2.00

5.00

22.22

55.56

112.92

179.95

8.70

13.87

0.42

0.24

8

1,000.00 1,500.00

16,267.00 153,408.00

7.70

72.57

27,891.16

103,475.23

0.66

2.44

0.00

5.00

0.00

55.56

0.00

179.95

0.00

13.87

0.00

0.17

9

1,500.00 2,000.00

9,775.00 163,183.00

4.62

77.20

23,889.58

127,364.81

0.56

3.00

0.00

5.00

0.00

55.56

0.00

179.95

0.00

13.87

0.00

0.14

10

2,000.00 2,500.00

5,932.00 169,115.00

2.81

80.00

18,565.43

145,930.24

0.44

3.44

2.00

7.00

22.22

77.78

737.50

917.45

56.84

70.71

3.97

0.63

11

2,500.00 3,000.00

4,730.00 173,845.00

2.24

82.24

18,076.43

164,006.67

0.43

3.87

0.00

7.00

0.00

77.78

0.00

917.45

0.00

70.71

0.00

0.56

12

3,000.00 4,000.00

5,912.00 179,757.00

2.80

85.04

28,514.22

192,520.90

0.67

4.54

0.00

7.00

0.00

77.78

0.00

917.45

0.00

70.71

0.00

0.48

13

4,000.00 5,000.00

4,202.00 183,959.00

1.99

87.03

26,268.08

218,788.98

0.62

5.16

1.00

8.00

11.11

88.89

12.91

930.36

0.99

71.70

0.05

0.43

14

5,000.00 7,500.00

5,852.00 189,811.00

2.77

89.80

49,632.64

268,421.62

1.17

6.33

1.00

9.00

11.11 100.00

367.16

1,297.52

28.30

100.00

0.74

0.48

15

7,500.00 10,000.00

3,723.00 193,534.00

1.76

91.56

45,838.31

314,259.93

1.08

7.41

0.00

9.00

0.00 100.00

0.00

1,297.52

0.00

100.00

0.00

0.41

16

10,000.00 20,000.00

5,927.00 199,461.00

2.80

94.36

118,053.62

432,313.55

2.78

10.19

0.00

9.00

0.00 100.00

0.00

1,297.52

0.00

100.00

0.00

0.30

17

20,000.00 50,000.00

5,417.00 204,878.00

2.56

96.92

248,106.06

680,419.62

5.85

16.04

0.00

9.00

0.00 100.00

0.00

1,297.52

0.00

100.00

0.00

0.19

18

50,000.00 100,000.00

2,831.00 207,709.00

1.34

98.26

271,721.76

952,141.38

6.40

22.44

0.00

9.00

0.00 100.00

0.00

1,297.52

0.00

100.00

0.00

0.14

19

100,000.00 500,000.00

2,892.00 210,601.00

1.37

99.63

893,612.89

1,845,754.27

21.06

43.50

0.00

9.00

0.00 100.00

0.00

1,297.52

0.00

100.00

0.00

0.07

20

500,000.00 UP

781.00 211,382.00

0.37

100.00 2,396,896.42

4,242,650.69

56.50

100.00

0.00

9.00

0.00 100.00

0.00

1,297.52

0.00

100.00

0.00

0.03

42




: 2013

OCCUPATION

: ALL

PROCESSING DATE


(a) 1

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)

0.00 50.00

15,763.00

15,763.00

2

50.00 100.00

14,567.00

3

100.00 200.00

19,137.00

4

200.00 300.00

5 6


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

8.36

8.36

631.97

631.97

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

30,330.00

7.73

16.09

1,674.58

2,306.55

0.04

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

49,467.00

10.15

26.24

4,288.40

6,594.95

0.10

0.16

2.00

2.00

3.51

3.51

7.46

7.46

0.00

0.00

0.17

0.11

13,919.00

63,386.00

7.38

33.63

5,197.53

11,792.48

0.12

0.28

3.00

5.00

5.26

8.77

327.22

334.68

0.11

0.11

6.30

2.84

300.00 500.00

19,734.00

83,120.00

10.47

44.10

11,731.40

23,523.89

0.28

0.55

4.00

9.00

7.02

15.79

254.65

589.33

0.08

0.19

2.17

2.51

500.00 750.00

15,446.00

98,566.00

8.19

52.29

13,768.81

37,292.69

0.32

0.88

4.00

13.00

7.02

22.81

364.26

953.59

0.12

0.31

2.65

2.56

7

750.00 1,000.00

14,452.00 113,018.00

7.67

59.96

18,484.14

55,776.83

0.43

1.31

6.00

19.00

10.53

33.33

654.66

1,608.25

0.21

0.52

3.54

2.88

8

1,000.00 1,500.00

19,873.00 132,891.00

10.54

70.50

34,943.83

90,720.67

0.82

2.13

15.00

34.00

26.32

59.65

682.92

2,291.17

0.22

0.74

1.95

2.53

9

1,500.00 2,000.00

9,603.00 142,494.00

5.09

75.60

24,165.78

114,886.45

0.57

2.70

2.00

36.00

3.51

63.16

184.54

2,475.71

0.06

0.80

0.76

2.15

10

2,000.00 2,500.00

5,993.00 148,487.00

3.18

78.78

19,607.07

134,493.52

0.46

3.16

1.00

37.00

1.75

64.91

42.55

2,518.26

0.01

0.82

0.22

1.87

11

2,500.00 3,000.00

4,509.00 152,996.00

2.39

81.17

17,974.71

152,468.23

0.42

3.59

2.00

39.00

3.51

68.42

792.78

3,311.04

0.26

1.07

4.41

2.17

12

3,000.00 4,000.00

5,738.00 158,734.00

3.04

84.21

28,804.90

181,273.12

0.68

4.26

4.00

43.00

7.02

75.44

550.12

3,861.16

0.18

1.25

1.91

2.13

13

4,000.00 5,000.00

4,093.00 162,827.00

2.17

86.38

26,610.99

207,884.11

0.63

4.89

0.00

43.00

0.00

75.44

0.00

3,861.16

0.00

1.25

0.00

1.86

14

5,000.00 7,500.00

5,615.00 168,442.00

2.98

89.36

49,274.07

257,158.18

1.16

6.05

2.00

45.00

3.51

78.95

612.65

4,473.82

0.20

1.45

1.24

1.74

15

7,500.00 10,000.00

3,743.00 172,185.00

1.99

91.35

47,799.20

304,957.37

1.12

7.17

2.00

47.00

3.51

82.46

1,608.06

6,081.88

0.52

1.97

3.36

1.99

16

10,000.00 20,000.00

5,801.00 177,986.00

3.08

94.43

118,255.83

423,213.20

2.78

9.95

2.00

49.00

3.51

85.96

551.06

6,632.94

0.18

2.15

0.47

1.57

17

20,000.00 50,000.00

4,885.00 182,871.00

2.59

97.02

221,834.14

645,047.34

5.22

15.17

1.00

50.00

1.75

87.72

29.98

6,662.92

0.01

2.16

0.01

1.03

18

50,000.00 100,000.00

2,488.00 185,359.00

1.32

98.34

254,226.46

899,273.80

5.98

21.15

3.00

53.00

5.26

92.98

29,398.39

36,061.30

9.54

11.71

11.56

4.01

19

100,000.00 500,000.00

2,468.00 187,827.00

1.31

99.65

758,150.65

1,657,424.44

17.83

38.98

4.00

57.00

7.02 100.00 272,001.27

308,062.57

88.29

100.00

35.88

18.59

20

500,000.00 UP

666.00 188,493.00

0.35

100.00 2,594,412.12

4,251,836.57

61.02

100.00

0.00

57.00

0.00 100.00

308,062.57

0.00

100.00

0.00

7.25

43


0.00



: 2012

OCCUPATION

: ALL

PROCESSING DATE


(a) 1

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)

0.00 50.00

17,341.00

17,341.00

2

50.00 100.00

13,568.00

3

100.00 200.00

19,214.00

4

200.00 300.00

5


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

10.02

10.02

688.99

688.99

0.03

0.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

30,909.00

7.84

17.86

1,594.28

2,283.27

0.06

0.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50,123.00

11.10

28.96

4,232.73

6,516.01

0.16

0.25

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13,646.00

63,769.00

7.88

36.84

5,061.18

11,577.18

0.19

0.44

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

300.00 500.00

19,014.00

82,783.00

10.98

47.82

11,283.29

22,860.48

0.43

0.86

1.00

1.00

6.67

6.67

17.44

17.44

1.01

1.01

0.15

0.08

6

500.00 750.00

13,725.00

96,508.00

7.93

55.75

12,271.14

35,131.62

0.46

1.33

0.00

1.00

0.00

6.67

0.00

17.44

0.00

1.01

0.00

0.05

7

750.00 1,000.00

13,958.00 110,466.00

8.06

63.82

17,871.83

53,003.45

0.68

2.00

0.00

1.00

0.00

6.67

0.00

17.44

0.00

1.01

0.00

0.03

8

1,000.00 1,500.00

16,124.00 126,590.00

9.32

73.13

28,323.65

81,327.10

1.07

3.07

1.00

2.00

6.67

13.33

50.00

67.44

2.91

3.92

0.18

0.08

9

1,500.00 2,000.00

7,981.00 134,571.00

4.61

77.74

20,320.31

101,647.41

0.77

3.84

3.00

5.00

20.00

33.33

410.61

478.05

23.87

27.78

2.02

0.47

10

2,000.00 2,500.00

4,877.00 139,448.00

2.82

80.56

15,678.06

117,325.46

0.59

4.44

1.00

6.00

6.67

40.00

62.33

540.38

3.62

31.41

0.40

0.46

11

2,500.00 3,000.00

3,878.00 143,326.00

2.24

82.80

15,301.77

132,627.24

0.58

5.01

0.00

6.00

0.00

40.00

0.00

540.38

0.00

31.41

0.00

0.41

12

3,000.00 4,000.00

4,849.00 148,175.00

2.80

85.60

24,415.19

157,042.43

0.92

5.94

0.00

6.00

0.00

40.00

0.00

540.38

0.00

31.41

0.00

0.34

13

4,000.00 5,000.00

3,408.00 151,583.00

1.97

87.57

22,242.13

179,284.55

0.84

6.78

0.00

6.00

0.00

40.00

0.00

540.38

0.00

31.41

0.00

0.30

14

5,000.00 7,500.00

4,774.00 156,357.00

2.76

90.33

41,510.52

220,795.07

1.57

8.35

2.00

8.00

13.33

53.33

319.96

860.33

18.60

50.00

0.77

0.39

15

7,500.00 10,000.00

3,107.00 159,464.00

1.79

92.12

38,751.98

259,547.06

1.46

9.81

2.00

10.00

13.33

66.67

555.00

1,415.33

32.26

82.26

1.43

0.55

16

10,000.00 20,000.00

4,907.00 164,371.00

2.83

94.96

100,087.02

359,634.07

3.78

13.59

4.00

14.00

26.67

93.33

301.07

1,716.41

17.50

99.76

0.30

0.48

17

20,000.00 50,000.00

4,065.00 168,436.00

2.35

97.31

178,910.74

538,544.82

6.76

20.36

0.00

14.00

0.00

93.33

0.00

1,716.41

0.00

99.76

0.00

0.32

18

50,000.00 100,000.00

2,050.00 170,486.00

1.18

98.49

194,027.36

732,572.17

7.33

27.69

0.00

14.00

0.00

93.33

0.00

1,716.41

0.00

99.76

0.00

0.23

19

100,000.00 500,000.00

2,065.00 172,551.00

1.19

99.68

594,909.85

1,327,482.02

22.49

50.18

1.00

15.00

6.67 100.00

4.14

1,720.54

0.24

100.00

0.00

0.13

20

500,000.00 UP

546.00 173,097.00

0.32

100.00 1,317,907.61

2,645,389.64

49.82

100.00

0.00

15.00

0.00 100.00

0.00

1,720.54

0.00

100.00

0.00

0.07

44




:2011

OCCUPATION

:ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

16,874.00

16,874.00

10.17

10.17

684.98

684.98

0.02

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

12,849.00

29,723.00

7.74

17.91

1,529.48

2,214.46

0.05

0.08

1.00

1.00

1.15

1.15

3.80

3.80

0.06

0.06

0.25

0.17

3

100.00 200.00

19,256.00

48,979.00

11.60

29.52

4,296.92

6,511.38

0.15

0.23

4.00

5.00

4.60

5.75

84.19

87.99

1.27

1.32

1.96

1.35

4

200.00 300.00

13,528.00

62,507.00

8.15

37.67

4,887.41

11,398.79

0.17

0.40

2.00

7.00

2.30

8.05

12.51

100.51

0.19

1.51

0.26

0.88

5

300.00 500.00

19,203.00

81,710.00

11.57

49.24

11,194.42

22,593.21

0.40

0.80

24.00

31.00

27.59

35.63

77.11

177.62

1.16

2.67

0.69

0.79

6

500.00 750.00

13,193.00

94,903.00

7.95

57.19

11,566.67

34,159.88

0.41

1.21

7.00

38.00

8.05

43.68

154.25

331.87

2.32

4.99

1.33

0.97

7

750.00 1,000.00

13,546.00 108,449.00

8.16

65.35

17,468.44

51,628.33

0.62

1.83

3.00

41.00

3.45

47.13

75.92

407.79

1.14

6.13

0.43

0.79

8

1,000.00 1,500.00

13,689.00 122,138.00

8.25

73.60

24,266.40

75,894.73

0.86

2.69

4.00

45.00

4.60

51.72

133.04

540.83

2.00

8.13

0.55

0.71

9

1,500.00 2,000.00

7,370.00 129,508.00

4.44

78.05

18,500.48

94,395.21

0.66

3.35

5.00

50.00

5.75

57.47

422.12

962.95

6.34

14.47

2.28

1.02

10

2,000.00 2,500.00

4,638.00 134,146.00

2.79

80.84

14,850.11

109,245.32

0.53

3.87

2.00

52.00

2.30

59.77

164.22

1,127.17

2.47

16.94

1.11

1.03

11

2,500.00 3,000.00

3,652.00 137,798.00

2.20

83.04

14,442.61

123,687.93

0.51

4.38

3.00

55.00

3.45

63.22

193.30

1,320.47

2.90

19.84

1.34

1.07

12

3,000.00 4,000.00

4,684.00 142,482.00

2.82

85.86

23,095.60

146,783.53

0.82

5.20

3.00

58.00

3.45

66.67

104.87

1,425.34

1.58

21.42

0.45

0.97

13

4,000.00 5,000.00

3,324.00 145,806.00

2.00

87.87

21,433.28

168,216.80

0.76

5.96

3.00

61.00

3.45

70.11

210.40

1,635.74

3.16

24.58

0.98

0.97

14

5,000.00 7,500.00

4,469.00 150,275.00

2.69

90.56

38,766.80

206,983.61

1.37

7.34

8.00

69.00

9.20

79.31

521.23

2,156.96

7.83

32.41

1.34

1.04

15

7,500.00 10,000.00

2,914.00 153,189.00

1.76

92.32

36,613.91

243,597.52

1.30

8.63

2.00

71.00

2.30

81.61

203.02

2,359.99

3.05

35.46

0.55

0.97

16

10,000.00 20,000.00

4,571.00 157,760.00

2.75

95.07

91,980.58

335,578.10

3.26

11.89

2.00

73.00

2.30

83.91

596.76

2,956.75

8.97

44.43

0.65

0.88

17

20,000.00 50,000.00

3,914.00 161,674.00

2.36

97.43

169,559.47

505,137.57

6.01

17.90

8.00

81.00

9.20

93.10

3,038.88

5,995.63

45.66

90.09

1.79

1.19

18

50,000.00 100,000.00

1,800.00 163,474.00

1.08

98.51

170,976.52

676,114.09

6.06

23.96

2.00

83.00

2.30

95.40

446.27

6,441.89

6.71

96.80

0.26

0.95

19

100,000.00 500,000.00

1,918.00 165,392.00

1.16

99.67

533,322.65

1,209,436.73

18.90

42.87

4.00

87.00

4.60 100.00

213.16

6,655.05

3.20

100.00

0.04

0.55

20

500,000.00 UP

548.00 165,940.00

0.33

100.00 1,611,885.67

2,821,322.40

57.13

100.00

0.00

87.00

0.00 100.00

0.00

6,655.05

0.00

100.00

0.00

0.24

45




: 2015

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)


NUMBER OF RISK

F ∑(d)

FROM

TO

f

(b)

(c)

(d)

(e)

PERCENTAGE CUM ∑(f)

rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

1.00

1.00

1.69

1.69

0.22

0.22

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

1.00

2.00

1.69

3.39

0.26

0.48

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

1.00

3.00

1.69

5.08

0.73

1.20

0.03

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

5.00

8.00

8.47

13.56

3.94

5.14

0.18

0.23

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

5.00

13.00

8.47

22.03

4.56

9.70

0.21

0.44

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

8.00

21.00

13.56

35.59

10.16

19.87

0.46

0.90

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

4.00

25.00

6.78

42.37

6.61

26.47

0.30

1.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

6.00

31.00

10.17

52.54

17.09

43.56

0.77

1.97

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

0.00

31.00

0.00

52.54

0.00

43.56

0.00

1.97

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

2.00

33.00

3.39

55.93

10.23

53.79

0.46

2.43

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

2.00

35.00

3.39

59.32

14.55

68.34

0.66

3.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

0.00

35.00

0.00

59.32

0.00

68.34

0.00

3.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

2.00

37.00

3.39

62.71

14.80

83.14

0.67

3.76

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

4.00

41.00

6.78

69.49

73.20

156.34

3.31

7.06

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

3.00

44.00

5.08

74.58

120.87

277.21

5.46

12.52

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

8.00

52.00

13.56

88.14

868.54

1,145.75

39.23

51.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

7.00

59.00

11.86

100.00

1,068.09

2,213.84

48.25

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

0.00

59.00

0.00

100.00

0.00

2,213.84

0.00

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

46




: 2015

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

1

0.00 50.00

2


NUMBER OF RISK

f (d)

F ∑(d) (e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1,162.00

1,162.00

5.70

5.70

42.68

42.68

0.02

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

923.00

2,085.00

4.53

10.23

110.45

153.13

0.05

0.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

1,153.00

3,238.00

5.66

15.89

274.03

427.16

0.13

0.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

1,347.00

4,585.00

6.61

22.50

528.58

955.74

0.25

0.45

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

2,464.00

7,049.00

12.09

34.59

1,540.75

2,496.49

0.73

1.18

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

2,005.00

9,054.00

9.84

44.43

1,834.23

4,330.72

0.87

2.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

1,962.00

11,016.00

9.63

54.06

2,593.91

6,924.63

1.23

3.28

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

1,922.00

12,938.00

9.43

63.49

3,508.92

10,433.55

1.66

4.94

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

1,406.00

14,344.00

6.90

70.39

3,551.71

13,985.25

1.68

6.62

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

823.00

15,167.00

4.04

74.43

2,666.20

16,651.45

1.26

7.88

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

644.00

15,811.00

3.16

77.59

2,556.57

19,208.02

1.21

9.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

839.00

16,650.00

4.12

81.71

4,102.56

23,310.58

1.94

11.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

631.00

17,281.00

3.10

84.81

4,126.23

27,436.80

1.95

12.98

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

828.00

18,109.00

4.06

88.87

7,159.99

34,596.79

3.39

16.37

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

471.00

18,580.00

2.31

91.18

5,851.44

40,448.23

2.77

19.14

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

719.00

19,299.00

3.53

94.71

14,234.71

54,682.94

6.74

25.87

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

549.00

19,848.00

2.69

97.40

26,422.96

81,105.90

12.50

38.38

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

286.00

20,134.00

1.40

98.81

29,530.62

110,636.52

13.97

52.35

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

221.00

20,355.00

1.08

99.89

61,571.22

172,207.74

29.13

81.48

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

22.00

20,377.00

0.11

100.00

39,134.81

211,342.54

18.52

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

47




: 2015

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a) 1


NUMBER OF RISK

FROM

TO

f

F ∑(d)

(b)

(c)

(d)

(e)


rp

(f)

(g)

(h)

0.00 50.00

57.00

57.00

1.85

1.85

2

50.00 100.00

68.00

125.00

2.21

4.06

3

100.00 200.00

70.00

195.00

2.27

6.33

4

200.00 300.00

76.00

271.00

2.47

8.80

5

300.00 500.00

148.00

419.00

4.81

6

500.00 750.00

129.00

548.00

7

750.00 1,000.00

172.00

8

1,000.00 1,500.00

(i) 2.40


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

2.40

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7.55

9.96

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16.82

26.77

0.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

29.88

56.65

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13.61

97.22

153.87

0.02

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4.19

17.80

122.76

276.63

0.03

0.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

720.00

5.59

23.38

223.67

500.30

0.05

0.12

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

181.00

901.00

5.88

29.26

336.73

837.02

0.08

0.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

138.00

1,039.00

4.48

33.74

340.83

1,177.86

0.08

0.29

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

113.00

1,152.00

3.67

37.41

364.18

1,542.04

0.09

0.38

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

80.00

1,232.00

2.60

40.01

313.04

1,855.08

0.08

0.45

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

141.00

1,373.00

4.58

44.59

677.17

2,532.25

0.17

0.62

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

102.00

1,475.00

3.31

47.91

683.66

3,215.90

0.17

0.79

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

190.00

1,665.00

6.17

54.08

1,680.36

4,896.27

0.41

1.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

175.00

1,840.00

5.68

59.76

2,242.45

7,138.72

0.55

1.74

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

306.00

2,146.00

9.94

69.70

6,152.09

13,290.81

1.50

3.25

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

331.00

2,477.00

10.75

80.45

14,797.61

28,088.42

3.61

6.86

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

224.00

2,701.00

7.28

87.72

21,348.04

49,436.46

5.21

12.08

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

270.00

2,971.00

8.77

96.49

82,366.46

131,802.92

20.12

32.19

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

108.00

3,079.00

3.51

100.00

277,605.30

409,408.22

67.81

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

48




: 2015

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

1,321.00

1,321.00

5.19

5.19

60.96

60.96

0.05

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

1,250.00

2,571.00

4.91

10.10

161.45

222.41

0.13

0.18

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

2,778.00

5,349.00

10.91

21.00

641.31

863.72

0.51

0.68

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

2,909.00

8,258.00

11.42

32.43

1,089.08

1,952.80

0.86

1.54

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

4,313.00

12,571.00

16.93

49.36

2,483.08

4,435.88

1.96

3.50

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

2,882.00

15,453.00

11.32

60.68

2,476.62

6,912.50

1.95

5.45

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

2,372.00

17,825.00

9.31

69.99

2,907.76

9,820.26

2.29

7.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

2,443.00

20,268.00

9.59

79.58

4,154.84

13,975.10

3.28

11.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

1,240.00

21,508.00

4.87

84.45

2,991.41

16,966.50

2.36

13.39

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

774.00

22,282.00

3.04

87.49

2,389.94

19,356.44

1.89

15.27

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

537.00

22,819.00

2.11

89.60

2,064.30

21,420.75

1.63

16.90

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

630.00

23,449.00

2.47

92.07

3,006.64

24,427.38

2.37

19.27

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

422.00

23,871.00

1.66

93.73

2,640.47

27,067.85

2.08

21.36

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

492.00

24,363.00

1.93

95.66

4,152.83

31,220.68

3.28

24.63

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

314.00

24,677.00

1.23

96.89

3,910.85

35,131.53

3.09

27.72

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

351.00

25,028.00

1.38

98.27

6,708.53

41,840.06

5.29

33.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

232.00

25,260.00

0.91

99.18

10,084.18

51,924.23

7.96

40.97

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

68.00

25,328.00

0.27

99.45

7,308.55

59,232.79

5.77

46.74

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

122.00

25,450.00

0.48

99.93

38,945.94

98,178.73

30.73

77.47

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

18.00

25,468.00

0.07

100.00

28,556.14

126,734.87

22.53

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

49




: 2014

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)


NUMBER OF RISK

F ∑(d)

FROM

TO

f

(b)

(c)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

2.00

2.00

0.48

0.48

0.04

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

7.00

9.00

1.67

2.14

0.71

0.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

10.00

19.00

2.38

4.52

1.61

2.36

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

5.00

24.00

1.19

5.71

1.82

4.18

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

11.00

35.00

2.62

8.33

5.99

10.17

0.02

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

10.00

45.00

2.38

10.71

5.81

15.98

0.02

0.06

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

12.00

57.00

2.86

13.57

10.62

26.60

0.04

0.11

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

17.00

74.00

4.05

17.62

26.83

53.43

0.11

0.21

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

25.00

99.00

5.95

23.57

57.00

110.43

0.23

0.44

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

19.00

118.00

4.52

28.10

58.17

168.59

0.23

0.68

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

10.00

128.00

2.38

30.48

29.52

198.11

0.12

0.80

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

22.00

150.00

5.24

35.71

117.09

315.21

0.47

1.27

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

20.00

170.00

4.76

40.48

120.05

435.26

0.48

1.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

26.00

196.00

6.19

46.67

215.69

650.95

0.87

2.61

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

21.00

217.00

5.00

51.67

244.10

895.05

0.98

3.59

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

30.00

247.00

7.14

58.81

498.31

1,393.37

2.00

5.59

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

52.00

299.00

12.38

71.19

2,294.05

3,687.42

9.21

14.80

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

50.00

349.00

11.90

83.10

4,281.09

7,968.51

17.18

31.99

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

70.00

419.00

16.67

99.76

15,492.10

23,460.61

62.18

94.17

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

1.00

420.00

0.24

100.00

1,452.46

24,913.07

5.83

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50




: 2014

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

8,540.00

8,540.00

7.83

7.83

271.08

271.08

0.03

0.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

5,582.00

14,122.00

5.12

12.95

622.88

893.97

0.07

0.10

1.00

1.00

14.29

14.29

12.24

12.24

1.00

1.00

1.96

1.37

3

100.00 200.00

7,896.00

22,018.00

7.24

20.20

1,732.63

2,626.60

0.19

0.29

0.00

1.00

0.00

14.29

0.00

12.24

0.00

1.00

0.00

0.47

4

200.00 300.00

5,603.00

27,621.00

5.14

25.34

2,074.07

4,700.67

0.23

0.51

1.00

2.00

14.29

28.57

38.79

51.03

3.16

4.15

1.87

1.09

5

300.00 500.00

14,406.00

42,027.00

13.22

38.55

8,820.91

13,521.58

0.96

1.47

0.00

2.00

0.00

28.57

0.00

51.03

0.00

4.15

0.00

0.38

6

500.00 750.00

15,054.00

57,081.00

13.81

52.36

13,850.37

27,371.95

1.51

2.98

0.00

2.00

0.00

28.57

0.00

51.03

0.00

4.15

0.00

0.19

7

750.00 1,000.00

14,323.00

71,404.00

13.14

65.50

18,272.62

45,644.57

1.99

4.97

1.00

3.00

14.29

42.86

60.00

111.03

4.88

9.04

0.33

0.24

8

1,000.00 1,500.00

8,608.00

80,012.00

7.90

73.40

15,159.34

60,803.91

1.65

6.62

0.00

3.00

0.00

42.86

0.00

111.03

0.00

9.04

0.00

0.18

9

1,500.00 2,000.00

5,085.00

85,097.00

4.66

78.06

12,822.05

73,625.96

1.40

8.02

0.00

3.00

0.00

42.86

0.00

111.03

0.00

9.04

0.00

0.15

10

2,000.00 2,500.00

2,941.00

88,038.00

2.70

80.76

9,534.06

83,160.02

1.04

9.06

2.00

5.00

28.57

71.43

737.50

848.53

60.03

69.06

7.74

1.02

11

2,500.00 3,000.00

2,432.00

90,470.00

2.23

82.99

9,554.71

92,714.73

1.04

10.10

0.00

5.00

0.00

71.43

0.00

848.53

0.00

69.06

0.00

0.92

12

3,000.00 4,000.00

2,993.00

93,463.00

2.75

85.74

14,803.51

107,518.24

1.61

11.71

0.00

5.00

0.00

71.43

0.00

848.53

0.00

69.06

0.00

0.79

13

4,000.00 5,000.00

2,208.00

95,671.00

2.03

87.76

14,001.95

121,520.19

1.52

13.23

1.00

6.00

14.29

85.71

12.91

861.44

1.05

70.12

0.09

0.71

14

5,000.00 7,500.00

3,135.00

98,806.00

2.88

90.64

27,161.58

148,681.76

2.96

16.19

1.00

7.00

14.29 100.00

367.16

1,228.60

29.88

100.00

1.35

0.83

15

7,500.00 10,000.00

1,982.00 100,788.00

1.82

92.46

24,307.61

172,989.37

2.65

18.84

0.00

7.00

0.00 100.00

0.00

1,228.60

0.00

100.00

0.00

0.71

16

10,000.00 20,000.00

3,109.00 103,897.00

2.85

95.31

62,283.83

235,273.20

6.78

25.62

0.00

7.00

0.00 100.00

0.00

1,228.60

0.00

100.00

0.00

0.52

17

20,000.00 50,000.00

2,773.00 106,670.00

2.54

97.85

128,087.34

363,360.54

13.95

39.57

0.00

7.00

0.00 100.00

0.00

1,228.60

0.00

100.00

0.00

0.34

18

50,000.00 100,000.00

1,322.00 107,992.00

1.21

99.07

115,037.49

478,398.03

12.53

52.10

0.00

7.00

0.00 100.00

0.00

1,228.60

0.00

100.00

0.00

0.26

19

100,000.00 500,000.00

887.00 108,879.00

0.81

99.88

252,736.32

731,134.34

27.52

79.62

0.00

7.00

0.00 100.00

0.00

1,228.60

0.00

100.00

0.00

0.17

20

500,000.00 UP

130.00 109,009.00

0.12

100.00

187,145.56

918,279.91

20.38

100.00

0.00

7.00

0.00 100.00

0.00

1,228.60

0.00

100.00

0.00

0.13

51




: 2014

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

1

0.00 50.00

2


NUMBER OF RISK

f (d)

F ∑(d) (e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1,231.00

1,231.00

7.17

7.17

36.06

36.06

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

410.00

1,641.00

2.39

9.56

43.04

79.10

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

632.00

2,273.00

3.68

13.25

136.04

215.14

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

438.00

2,711.00

2.55

15.80

161.13

376.27

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

683.00

3,394.00

3.98

19.78

421.43

797.70

0.02

0.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

745.00

4,139.00

4.34

24.12

693.28

1,490.98

0.03

0.06

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

702.00

4,841.00

4.09

28.21

886.02

2,377.00

0.03

0.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

967.00

5,808.00

5.64

33.85

1,745.22

4,122.22

0.07

0.15

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

720.00

6,528.00

4.20

38.04

1,814.78

5,937.01

0.07

0.22

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

553.00

7,081.00

3.22

41.27

1,779.51

7,716.51

0.07

0.29

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

467.00

7,548.00

2.72

43.99

1,841.13

9,557.64

0.07

0.36

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

754.00

8,302.00

4.39

48.38

3,730.07

13,287.71

0.14

0.50

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

549.00

8,851.00

3.20

51.58

3,555.31

16,843.02

0.13

0.63

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

987.00

9,838.00

5.75

57.33

8,665.04

25,508.06

0.32

0.95

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

783.00

10,621.00

4.56

61.90

10,189.43

35,697.49

0.38

1.33

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

1,587.00

12,208.00

9.25

71.15

31,836.68

67,534.18

1.19

2.52

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

1,798.00

14,006.00

10.48

81.62

84,330.49

151,864.67

3.15

5.67

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

1,122.00

15,128.00

6.54

88.16

118,310.28

270,174.95

4.41

10.08

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

1,461.00

16,589.00

8.51

96.68

484,517.82

754,692.77

18.08

28.16

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

570.00

17,159.00

3.32

100.00 1,925,252.69

2,679,945.46

71.84

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

52




: 2014

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

6,986.00

6,986.00

8.24

8.24

217.45

217.45

0.04

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

8,282.00

15,268.00

9.77

18.01

1,035.78

1,253.23

0.17

0.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

10,374.00

25,642.00

12.23

30.24

2,195.63

3,448.86

0.35

0.56

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

8,211.00

33,853.00

9.68

39.92

2,900.82

6,349.67

0.47

1.02

1.00

1.00

50.00

50.00

16.00

16.00

23.22

23.22

0.55

0.25

5

300.00 500.00

11,996.00

45,849.00

14.15

54.07

6,502.72

12,852.40

1.05

2.07

0.00

1.00

0.00

50.00

0.00

16.00

0.00

23.22

0.00

0.12

6

500.00 750.00

8,142.00

53,991.00

9.60

63.67

6,683.88

19,536.28

1.08

3.15

0.00

1.00

0.00

50.00

0.00

16.00

0.00

23.22

0.00

0.08

7

750.00 1,000.00

6,848.00

60,839.00

8.08

71.75

7,999.63

27,535.91

1.29

4.44

1.00

2.00

50.00 100.00

52.92

68.92

76.78

100.00

0.66

0.25

8

1,000.00 1,500.00

6,675.00

67,514.00

7.87

79.62

10,959.77

38,495.68

1.77

6.21

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.18

9

1,500.00 2,000.00

3,945.00

71,459.00

4.65

84.27

9,195.74

47,691.42

1.48

7.70

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.14

10

2,000.00 2,500.00

2,419.00

73,878.00

2.85

87.13

7,193.69

54,885.11

1.16

8.86

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.13

11

2,500.00 3,000.00

1,821.00

75,699.00

2.15

89.27

6,651.08

61,536.19

1.07

9.93

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.11

12

3,000.00 4,000.00

2,143.00

77,842.00

2.53

91.80

9,863.56

71,399.75

1.59

11.53

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.10

13

4,000.00 5,000.00

1,425.00

79,267.00

1.68

93.48

8,590.76

79,990.51

1.39

12.91

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.09

14

5,000.00 7,500.00

1,704.00

80,971.00

2.01

95.49

13,590.33

93,580.84

2.19

15.11

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.07

15

7,500.00 10,000.00

937.00

81,908.00

1.11

96.60

11,097.17

104,678.01

1.79

16.90

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.07

16

10,000.00 20,000.00

1,201.00

83,109.00

1.42

98.01

23,434.80

128,112.81

3.78

20.68

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.05

17

20,000.00 50,000.00

794.00

83,903.00

0.94

98.95

33,394.18

161,506.98

5.39

26.07

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.04

18

50,000.00 100,000.00

337.00

84,240.00

0.40

99.35

34,092.91

195,599.90

5.50

31.57

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.04

19

100,000.00 500,000.00

474.00

84,714.00

0.56

99.91

140,866.65

336,466.55

22.74

54.31

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.02

20

500,000.00 UP

80.00

84,794.00

0.09

100.00

283,045.70

619,512.25

45.69

100.00

0.00

2.00

0.00 100.00

0.00

68.92

0.00

100.00

0.00

0.01

53




: 2013

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)


NUMBER OF RISK

F ∑(d)

FROM

TO

f

(b)

(c)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

9.00

9.00

1.87

1.87

0.22

0.22

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

0.00

9.00

0.00

1.87

0.07

0.29

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

6.00

15.00

1.24

3.11

1.30

1.59

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

12.00

27.00

2.49

5.60

4.79

6.38

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

21.00

48.00

4.36

9.96

12.05

18.42

0.03

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

26.00

74.00

5.39

15.35

21.73

40.15

0.06

0.11

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

14.00

88.00

2.90

18.26

16.35

56.51

0.05

0.16

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

16.00

104.00

3.32

21.58

35.61

92.12

0.10

0.26

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

18.00

122.00

3.73

25.31

37.09

129.21

0.11

0.37

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

17.00

139.00

3.53

28.84

57.22

186.43

0.16

0.53

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

13.00

152.00

2.70

31.54

54.48

240.91

0.16

0.69

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

20.00

172.00

4.15

35.68

100.01

340.92

0.29

0.98

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

16.00

188.00

3.32

39.00

138.68

479.59

0.40

1.37

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

36.00

224.00

7.47

46.47

315.60

795.19

0.90

2.28

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

18.00

242.00

3.73

50.21

251.99

1,047.18

0.72

3.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

33.00

275.00

6.85

57.05

686.88

1,734.06

1.97

4.97

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

58.00

333.00

12.03

69.09

2,793.75

4,527.81

8.00

12.97

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

78.00

411.00

16.18

85.27

7,878.49

12,406.30

22.56

35.53

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

68.00

479.00

14.11

99.38

14,907.45

27,313.75

42.69

78.22

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

3.00

482.00

0.62

100.00

7,604.09

34,917.83

21.78

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

54




: 2013

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

8,479.00

8,479.00

8.45

8.45

370.00

370.00

0.02

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

8,875.00

17,354.00

8.85

17.30

1,019.94

1,389.94

0.06

0.08

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,228.00

26,582.00

9.20

26.50

2,080.50

3,470.44

0.12

0.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

6,206.00

32,788.00

6.19

32.69

2,392.36

5,862.80

0.14

0.34

1.00

1.00

2.22

2.22

292.30

292.30

0.10

0.10

12.22

4.99

5

300.00 500.00

9,479.00

42,267.00

9.45

42.14

5,849.57

11,712.37

0.34

0.68

3.00

4.00

6.67

8.89

237.23

529.53

0.08

0.17

4.06

4.52

6

500.00 750.00

8,136.00

50,403.00

8.11

50.26

7,402.30

19,114.67

0.43

1.12

2.00

6.00

4.44

13.33

352.37

881.90

0.12

0.29

4.76

4.61

7

750.00 1,000.00

8,390.00

58,793.00

8.37

58.62

11,065.61

30,180.28

0.65

1.76

6.00

12.00

13.33

26.67

654.66

1,536.56

0.21

0.50

5.92

5.09

8

1,000.00 1,500.00

13,397.00

72,190.00

13.36

71.98

23,642.79

53,823.07

1.38

3.14

14.00

26.00

31.11

57.78

637.95

2,174.51

0.21

0.71

2.70

4.04

9

1,500.00 2,000.00

5,543.00

77,733.00

5.53

77.51

14,150.60

67,973.67

0.83

3.97

2.00

28.00

4.44

62.22

184.54

2,359.04

0.06

0.77

1.30

3.47

10

2,000.00 2,500.00

3,341.00

81,074.00

3.33

80.84

11,075.97

79,049.64

0.65

4.61

0.00

28.00

0.00

62.22

0.00

2,359.04

0.00

0.77

0.00

2.98

11

2,500.00 3,000.00

2,450.00

83,524.00

2.44

83.28

9,839.74

88,889.38

0.57

5.19

1.00

29.00

2.22

64.44

756.11

3,115.15

0.25

1.02

7.68

3.50

12

3,000.00 4,000.00

2,994.00

86,518.00

2.99

86.27

15,233.09

104,122.47

0.89

6.07

3.00

32.00

6.67

71.11

495.29

3,610.44

0.16

1.18

3.25

3.47

13

4,000.00 5,000.00

2,236.00

88,754.00

2.23

88.50

14,679.54

118,802.00

0.86

6.93

0.00

32.00

0.00

71.11

0.00

3,610.44

0.00

1.18

0.00

3.04

14

5,000.00 7,500.00

2,892.00

91,646.00

2.88

91.38

25,742.44

144,544.44

1.50

8.43

2.00

34.00

4.44

75.56

612.65

4,223.10

0.20

1.38

2.38

2.92

15

7,500.00 10,000.00

1,911.00

93,557.00

1.91

93.28

24,304.58

168,849.03

1.42

9.85

1.00

35.00

2.22

77.78

9.18

4,232.28

0.00

1.38

0.04

2.51

16

10,000.00 20,000.00

2,806.00

96,363.00

2.80

96.08

56,408.95

225,257.98

3.29

13.14

2.00

37.00

4.44

82.22

551.06

4,783.34

0.18

1.56

0.98

2.12

17

20,000.00 50,000.00

2,226.00

98,589.00

2.22

98.30

98,806.35

324,064.33

5.76

18.91

1.00

38.00

2.22

84.44

29.98

4,813.31

0.01

1.57

0.03

1.49

18

50,000.00 100,000.00

862.00

99,451.00

0.86

99.16

84,561.02

408,625.35

4.93

23.84

3.00

41.00

6.67

91.11

29,398.39

34,211.70

9.60

11.17

34.77

8.37

19

100,000.00 500,000.00

723.00 100,174.00

0.72

99.88

199,369.16

607,994.51

11.63

35.47

4.00

45.00

8.89 100.00 272,001.27

306,212.97

88.83

100.00

136.43

50.36

20

500,000.00 UP

118.00 100,292.00

0.12

100.00 1,106,079.76

1,714,074.27

64.53

100.00

0.00

45.00

0.00 100.00

306,212.97

0.00

100.00

0.00

17.86

55


0.00



: 2013

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a) 1

FROM

TO

(b)

(c) 0.00 50.00


NUMBER OF RISK

f (d)

F ∑(d) (e)


rp

(f)

(g)

(h)

1,686.00

1,686.00

9.24

9.24

44.02

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

44.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

404.00

2,090.00

2.21

11.45

46.73

90.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

619.00

2,709.00

3.39

14.84

147.18

237.93

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

578.00

3,287.00

3.17

18.01

198.79

436.72

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

759.00

4,046.00

4.16

22.17

476.68

913.40

0.02

0.05

1.00

1.00

20.00

20.00

17.42

17.42

1.00

1.00

3.65

1.91

6

500.00 750.00

777.00

4,823.00

4.26

26.42

752.80

1,666.20

0.04

0.08

0.00

1.00

0.00

20.00

0.00

17.42

0.00

1.00

0.00

1.05

7

750.00 1,000.00

663.00

5,486.00

3.63

30.06

879.39

2,545.58

0.04

0.13

0.00

1.00

0.00

20.00

0.00

17.42

0.00

1.00

0.00

0.68

8

1,000.00 1,500.00

1,045.00

6,531.00

5.73

35.78

1,953.95

4,499.53

0.10

0.22

0.00

1.00

0.00

20.00

0.00

17.42

0.00

1.00

0.00

0.39

9

1,500.00 2,000.00

779.00

7,310.00

4.27

40.05

2,068.09

6,567.62

0.10

0.32

0.00

1.00

0.00

20.00

0.00

17.42

0.00

1.00

0.00

0.27

10

2,000.00 2,500.00

627.00

7,937.00

3.44

43.49

2,199.45

8,767.07

0.11

0.43

1.00

2.00

20.00

40.00

42.55

59.97

2.43

3.43

1.93

0.68

11

2,500.00 3,000.00

539.00

8,476.00

2.95

46.44

2,212.49

10,979.56

0.11

0.54

1.00

3.00

20.00

60.00

36.67

96.65

2.10

5.52

1.66

0.88

12

3,000.00 4,000.00

763.00

9,239.00

4.18

50.62

3,984.23

14,963.79

0.20

0.74

1.00

4.00

20.00

80.00

54.83

151.47

3.13

8.65

1.38

1.01

13

4,000.00 5,000.00

628.00

9,867.00

3.44

54.06

4,201.09

19,164.88

0.21

0.94

0.00

4.00

0.00

80.00

0.00

151.47

0.00

8.65

0.00

0.79

14

5,000.00 7,500.00

1,098.00

10,965.00

6.02

60.08

9,845.30

29,010.17

0.49

1.43

0.00

4.00

0.00

80.00

0.00

151.47

0.00

8.65

0.00

0.52

15

7,500.00 10,000.00

893.00

11,858.00

4.89

64.97

11,846.49

40,856.67

0.58

2.01

1.00

5.00

20.00 100.00

1,598.88

1,750.36

91.35

100.00

13.50

4.28

16

10,000.00 20,000.00

1,629.00

13,487.00

8.93

73.89

34,778.57

75,635.24

1.71

3.73

0.00

5.00

0.00 100.00

0.00

1,750.36

0.00

100.00

0.00

2.31

17

20,000.00 50,000.00

1,798.00

15,285.00

9.85

83.74

84,427.62

160,062.87

4.16

7.89

0.00

5.00

0.00 100.00

0.00

1,750.36

0.00

100.00

0.00

1.09

18

50,000.00 100,000.00

1,187.00

16,472.00

6.50

90.25

122,967.14

283,030.00

6.06

13.95

0.00

5.00

0.00 100.00

0.00

1,750.36

0.00

100.00

0.00

0.62

19

100,000.00 500,000.00

1,309.00

17,781.00

7.17

97.42

416,721.96

699,751.97

20.54

34.49

0.00

5.00

0.00 100.00

0.00

1,750.36

0.00

100.00

0.00

0.25

20

500,000.00 UP

471.00

18,252.00

2.58

100.00 1,328,983.99

2,028,735.96

65.51

100.00

0.00

5.00

0.00 100.00

0.00

1,750.36

0.00

100.00

0.00

0.09

56




: 2013

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

5,589.00

5,589.00

8.05

8.05

217.72

217.72

0.05

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

5,288.00

10,877.00

7.61

15.66

607.83

825.56

0.13

0.17

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,284.00

20,161.00

13.36

29.02

2,059.43

2,884.99

0.43

0.61

2.00

2.00

28.57

28.57

7.46

7.46

7.52

7.52

0.36

0.26

4

200.00 300.00

7,123.00

27,284.00

10.25

39.28

2,601.60

5,486.59

0.55

1.16

2.00

4.00

28.57

57.14

34.92

42.39

35.19

42.71

1.34

0.77

5

300.00 500.00

9,475.00

36,759.00

13.64

52.92

5,393.11

10,879.69

1.14

2.29

0.00

4.00

0.00

57.14

0.00

42.39

0.00

42.71

0.00

0.39

6

500.00 750.00

6,507.00

43,266.00

9.37

62.28

5,591.98

16,471.67

1.18

3.47

2.00

6.00

28.57

85.71

11.89

54.28

11.98

54.69

0.21

0.33

7

750.00 1,000.00

5,385.00

48,651.00

7.75

70.03

6,522.79

22,994.46

1.38

4.85

0.00

6.00

0.00

85.71

0.00

54.28

0.00

54.69

0.00

0.24

8

1,000.00 1,500.00

5,415.00

54,066.00

7.80

77.83

9,311.48

32,305.94

1.96

6.81

1.00

7.00

14.29 100.00

44.97

99.24

45.31

100.00

0.48

0.31

9

1,500.00 2,000.00

3,263.00

57,329.00

4.70

82.53

7,910.01

40,215.95

1.67

8.48

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.25

10

2,000.00 2,500.00

2,008.00

59,337.00

2.89

85.42

6,274.43

46,490.38

1.32

9.81

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.21

11

2,500.00 3,000.00

1,507.00

60,844.00

2.17

87.59

5,868.00

52,358.38

1.24

11.04

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.19

12

3,000.00 4,000.00

1,961.00

62,805.00

2.82

90.41

9,487.57

61,845.95

2.00

13.04

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.16

13

4,000.00 5,000.00

1,213.00

64,018.00

1.75

92.16

7,591.69

69,437.64

1.60

14.65

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.14

14

5,000.00 7,500.00

1,589.00

65,607.00

2.29

94.44

13,370.73

82,808.37

2.82

17.47

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.12

15

7,500.00 10,000.00

921.00

66,528.00

1.33

95.77

11,396.13

94,204.50

2.40

19.87

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.11

16

10,000.00 20,000.00

1,333.00

67,861.00

1.92

97.69

26,381.42

120,585.92

5.56

25.43

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.08

17

20,000.00 50,000.00

803.00

68,664.00

1.16

98.84

35,806.41

156,392.33

7.55

32.99

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.06

18

50,000.00 100,000.00

361.00

69,025.00

0.52

99.36

38,819.82

195,212.15

8.19

41.17

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.05

19

100,000.00 500,000.00

368.00

69,393.00

0.53

99.89

127,152.07

322,364.22

26.82

67.99

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.03

20

500,000.00 UP

74.00

69,467.00

0.11

100.00

151,744.29

474,108.51

32.01

100.00

0.00

7.00

0.00 100.00

0.00

99.24

0.00

100.00

0.00

0.02

57




: 2012

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)


NUMBER OF RISK

F ∑(d)

FROM

TO

f

(b)

(c)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

3.00

3.00

0.71

0.71

0.25

0.25

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

3.00

6.00

0.71

1.43

0.61

0.86

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

4.00

10.00

0.95

2.38

1.07

1.93

0.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

9.00

19.00

2.14

4.52

3.20

5.13

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

18.00

37.00

4.29

8.81

10.51

15.64

0.04

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

31.00

68.00

7.38

16.19

28.12

43.76

0.10

0.15

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

9.00

77.00

2.14

18.33

13.92

57.68

0.05

0.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

16.00

93.00

3.81

22.14

28.09

85.76

0.10

0.29

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

23.00

116.00

5.48

27.62

54.94

140.71

0.19

0.48

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

11.00

127.00

2.62

30.24

35.38

176.09

0.12

0.60

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

19.00

146.00

4.52

34.76

59.18

235.27

0.20

0.80

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

18.00

164.00

4.29

39.05

71.42

306.69

0.24

1.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

13.00

177.00

3.10

42.14

98.66

405.35

0.34

1.38

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

30.00

207.00

7.14

49.29

246.98

652.33

0.84

2.22

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

21.00

228.00

5.00

54.29

265.21

917.54

0.90

3.12

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

28.00

256.00

6.67

60.95

499.62

1,417.16

1.70

4.82

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

58.00

314.00

13.81

74.76

2,645.23

4,062.38

8.99

13.81

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

48.00

362.00

11.43

86.19

4,367.47

8,429.85

14.85

28.65

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

52.00

414.00

12.38

98.57

12,434.00

20,863.85

42.26

70.92

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

6.00

420.00

1.43

100.00

8,555.38

29,419.23

29.08

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

58




: 2012

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

10,441.00

10,441.00

11.06

11.06

475.98

475.98

0.07

0.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

8,601.00

19,042.00

9.11

20.17

1,033.45

1,509.43

0.16

0.23

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,704.00

28,746.00

10.28

30.45

2,156.50

3,665.92

0.33

0.57

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

6,312.00

35,058.00

6.69

37.14

2,394.45

6,060.37

0.37

0.94

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

9,327.00

44,385.00

9.88

47.02

5,700.52

11,760.89

0.88

1.82

1.00

1.00

7.14

7.14

17.44

17.44

1.04

1.04

0.31

0.15

6

500.00 750.00

7,204.00

51,589.00

7.63

54.66

6,591.89

18,352.79

1.02

2.84

0.00

1.00

0.00

7.14

0.00

17.44

0.00

1.04

0.00

0.10

7

750.00 1,000.00

8,514.00

60,103.00

9.02

63.68

11,159.84

29,512.63

1.73

4.57

0.00

1.00

0.00

7.14

0.00

17.44

0.00

1.04

0.00

0.06

8

1,000.00 1,500.00

10,605.00

70,708.00

11.24

74.91

18,631.97

48,144.60

2.88

7.45

0.00

1.00

0.00

7.14

0.00

17.44

0.00

1.04

0.00

0.04

9

1,500.00 2,000.00

4,656.00

75,364.00

4.93

79.84

12,088.49

60,233.09

1.87

9.32

3.00

4.00

21.43

28.57

410.61

428.05

24.58

25.62

3.40

0.71

10

2,000.00 2,500.00

2,706.00

78,070.00

2.87

82.71

8,762.03

68,995.12

1.36

10.68

1.00

5.00

7.14

35.71

62.33

490.38

3.73

29.35

0.71

0.71

11

2,500.00 3,000.00

2,110.00

80,180.00

2.24

84.95

8,408.16

77,403.28

1.30

11.98

0.00

5.00

0.00

35.71

0.00

490.38

0.00

29.35

0.00

0.63

12

3,000.00 4,000.00

2,642.00

82,822.00

2.80

87.75

13,409.29

90,812.57

2.08

14.05

0.00

5.00

0.00

35.71

0.00

490.38

0.00

29.35

0.00

0.54

13

4,000.00 5,000.00

1,883.00

84,705.00

1.99

89.74

12,289.92

103,102.48

1.90

15.96

0.00

5.00

0.00

35.71

0.00

490.38

0.00

29.35

0.00

0.48

14

5,000.00 7,500.00

2,489.00

87,194.00

2.64

92.38

21,421.81

124,524.29

3.32

19.27

2.00

7.00

14.29

50.00

319.96

810.33

19.15

48.51

1.49

0.65

15

7,500.00 10,000.00

1,592.00

88,786.00

1.69

94.06

19,720.02

144,244.31

3.05

22.32

2.00

9.00

14.29

64.29

555.00

1,365.33

33.22

81.73

2.81

0.95

16

10,000.00 20,000.00

2,413.00

91,199.00

2.56

96.62

47,777.47

192,021.78

7.39

29.72

4.00

13.00

28.57

92.86

301.07

1,666.41

18.02

99.75

0.63

0.87

17

20,000.00 50,000.00

1,778.00

92,977.00

1.88

98.50

75,079.75

267,101.54

11.62

41.34

0.00

13.00

0.00

92.86

0.00

1,666.41

0.00

99.75

0.00

0.62

18

50,000.00 100,000.00

780.00

93,757.00

0.83

99.33

69,664.11

336,765.65

10.78

52.12

0.00

13.00

0.00

92.86

0.00

1,666.41

0.00

99.75

0.00

0.49

19

100,000.00 500,000.00

537.00

94,294.00

0.57

99.90

150,502.86

487,268.50

23.29

75.41

1.00

14.00

7.14 100.00

4.14

1,670.54

0.25

100.00

0.00

0.34

20

500,000.00 UP

95.00

94,389.00

0.10

100.00

158,871.25

646,139.75

24.59

100.00

0.00

14.00

0.00 100.00

0.00

1,670.54

0.00

100.00

0.00

0.26

59




: 2012

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f

F ∑(d)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

990.00

990.00

5.79

5.79

34.05

34.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

486.00

1,476.00

2.84

8.63

54.99

89.04

0.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

720.00

2,196.00

4.21

12.84

167.19

256.23

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

677.00

2,873.00

3.96

16.80

247.88

504.11

0.02

0.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

824.00

3,697.00

4.82

21.62

518.20

1,022.31

0.03

0.06

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

735.00

4,432.00

4.30

25.92

703.42

1,725.73

0.04

0.11

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

687.00

5,119.00

4.02

29.94

943.79

2,669.51

0.06

0.16

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

1,003.00

6,122.00

5.87

35.80

2,003.78

4,673.29

0.12

0.29

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

715.00

6,837.00

4.18

39.98

1,935.62

6,608.91

0.12

0.41

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

604.00

7,441.00

3.53

43.52

2,035.32

8,644.23

0.13

0.53

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

531.00

7,972.00

3.11

46.62

2,200.27

10,844.50

0.14

0.67

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

767.00

8,739.00

4.49

51.11

3,995.22

14,839.73

0.25

0.91

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

604.00

9,343.00

3.53

54.64

3,985.47

18,825.20

0.25

1.16

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

1,069.00

10,412.00

6.25

60.89

9,578.45

28,403.65

0.59

1.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

815.00

11,227.00

4.77

65.66

10,146.42

38,550.07

0.62

2.37

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

1,564.00

12,791.00

9.15

74.81

31,801.19

70,351.26

1.96

4.33

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

1,705.00

14,496.00

9.97

84.78

76,649.27

147,000.54

4.72

9.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

1,001.00

15,497.00

5.85

90.63

98,362.50

245,363.04

6.06

15.11

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

1,201.00

16,698.00

7.02

97.65

343,852.72

589,215.75

21.17

36.28

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

401.00

17,099.00

2.35

100.00 1,034,693.20

1,623,908.96

63.72

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

60




: 2012

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

5,907.00

5,907.00

9.65

9.65

178.70

178.70

0.05

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

4,478.00

10,385.00

7.32

16.97

505.24

683.94

0.15

0.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

8,786.00

19,171.00

14.36

31.33

1,907.97

2,591.92

0.55

0.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

6,648.00

25,819.00

10.86

42.20

2,415.65

5,007.57

0.70

1.45

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

8,845.00

34,664.00

14.46

56.65

5,054.06

10,061.63

1.46

2.91

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

5,755.00

40,419.00

9.41

66.06

4,947.72

15,009.35

1.43

4.34

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

4,748.00

45,167.00

7.76

73.82

5,754.28

20,763.63

1.66

6.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

4,500.00

49,667.00

7.35

81.17

7,659.82

28,423.45

2.21

8.22

1.00

1.00

100.00 100.00

50.00

50.00

100.00

100.00

0.65

0.18

9

1,500.00 2,000.00

2,587.00

52,254.00

4.23

85.40

6,241.25

34,664.70

1.80

10.02

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.14

10

2,000.00 2,500.00

1,556.00

53,810.00

2.54

87.94

4,845.33

39,510.03

1.40

11.42

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.13

11

2,500.00 3,000.00

1,218.00

55,028.00

1.99

89.93

4,634.16

44,144.18

1.34

12.76

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.11

12

3,000.00 4,000.00

1,422.00

56,450.00

2.32

92.26

6,939.26

51,083.44

2.01

14.77

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.10

13

4,000.00 5,000.00

908.00

57,358.00

1.48

93.74

5,868.07

56,951.52

1.70

16.46

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.09

14

5,000.00 7,500.00

1,186.00

58,544.00

1.94

95.68

10,263.28

67,214.80

2.97

19.43

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.07

15

7,500.00 10,000.00

679.00

59,223.00

1.11

96.79

8,620.33

75,835.13

2.49

21.92

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.07

16

10,000.00 20,000.00

902.00

60,125.00

1.47

98.26

20,008.74

95,843.87

5.78

27.71

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.05

17

20,000.00 50,000.00

524.00

60,649.00

0.86

99.12

24,536.49

120,380.36

7.09

34.80

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.04

18

50,000.00 100,000.00

221.00

60,870.00

0.36

99.48

21,633.28

142,013.64

6.25

41.05

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.04

19

100,000.00 500,000.00

275.00

61,145.00

0.45

99.93

88,120.28

230,133.92

25.47

66.53

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.02

20

500,000.00 UP

44.00

61,189.00

0.07

100.00

115,787.78

345,921.69

33.47

100.00

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.01

61




:2011

OCCUPATION

:AGRICULTURAL

PROCESSING DATE


(a) 1


NUMBER OF RISK

F ∑(d)

FROM

TO

f

(b)

(c)

(d)

0.00 50.00

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

5.00

5.00

1.32

1.32

0.54

0.54

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

5.00

10.00

1.32

2.64

1.06

1.59

0.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

10.00

20.00

2.64

5.28

4.55

6.14

0.02

0.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

8.00

28.00

2.11

7.39

4.97

11.11

0.02

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

10.00

38.00

2.64

10.03

9.37

20.48

0.04

0.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

16.00

54.00

4.22

14.25

16.06

36.53

0.07

0.15

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

6.00

60.00

1.58

15.83

6.32

42.85

0.03

0.18

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

26.00

86.00

6.86

22.69

51.87

94.72

0.22

0.40

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

15.00

101.00

3.96

26.65

40.90

135.62

0.17

0.57

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

12.00

113.00

3.17

29.82

44.72

180.34

0.19

0.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

13.00

126.00

3.43

33.25

52.69

233.03

0.22

0.98

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

14.00

140.00

3.69

36.94

68.58

301.61

0.29

1.26

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

7.00

147.00

1.85

38.79

54.14

355.75

0.23

1.49

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

20.00

167.00

5.28

44.06

155.53

511.28

0.65

2.14

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

23.00

190.00

6.07

50.13

247.82

759.10

1.04

3.18

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

32.00

222.00

8.44

58.58

536.16

1,295.26

2.24

5.42

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

63.00

285.00

16.62

75.20

2,483.45

3,778.71

10.39

15.81

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

47.00

332.00

12.40

87.60

4,569.84

8,348.55

19.12

34.94

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

40.00

372.00

10.55

98.15

7,644.18

15,992.73

31.99

66.92

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

7.00

379.00

1.85

100.00

7,904.59

23,897.32

33.08

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

62




:2011

OCCUPATION

:COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

12,635.00

12,635.00

13.82

13.82

520.92

520.92

0.07

0.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

7,888.00

20,523.00

8.63

22.45

941.94

1,462.86

0.12

0.19

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,530.00

30,053.00

10.42

32.87

2,169.73

3,632.59

0.29

0.48

1.00

1.00

1.61

1.61

4.82

4.82

0.08

0.08

0.22

0.13

4

200.00 300.00

6,257.00

36,310.00

6.84

39.72

2,328.55

5,961.13

0.31

0.79

1.00

2.00

1.61

3.23

6.98

11.80

0.11

0.19

0.30

0.20

5

300.00 500.00

9,455.00

45,765.00

10.34

50.06

5,734.49

11,695.62

0.76

1.54

16.00

18.00

25.81

29.03

65.99

77.79

1.04

1.22

1.15

0.67

6

500.00 750.00

6,700.00

52,465.00

7.33

57.39

6,030.26

17,725.89

0.80

2.34

3.00

21.00

4.84

33.87

111.19

188.98

1.74

2.96

1.84

1.07

7

750.00 1,000.00

8,385.00

60,850.00

9.17

66.56

11,235.60

28,961.49

1.48

3.82

1.00

22.00

1.61

35.48

62.47

251.45

0.98

3.94

0.56

0.87

8

1,000.00 1,500.00

8,429.00

69,279.00

9.22

75.78

15,159.07

44,120.56

2.00

5.82

2.00

24.00

3.23

38.71

107.84

359.29

1.69

5.64

0.71

0.81

9

1,500.00 2,000.00

4,191.00

73,470.00

4.58

80.36

10,679.55

54,800.10

1.41

7.23

4.00

28.00

6.45

45.16

373.42

732.70

5.86

11.49

3.50

1.34

10

2,000.00 2,500.00

2,591.00

76,061.00

2.83

83.19

8,398.39

63,198.50

1.11

8.34

2.00

30.00

3.23

48.39

164.22

896.92

2.58

14.07

1.96

1.42

11

2,500.00 3,000.00

1,976.00

78,037.00

2.16

85.36

7,949.19

71,147.69

1.05

9.38

2.00

32.00

3.23

51.61

179.63

1,076.55

2.82

16.89

2.26

1.51

12

3,000.00 4,000.00

2,562.00

80,599.00

2.80

88.16

12,763.72

83,911.40

1.68

11.07

3.00

35.00

4.84

56.45

104.87

1,181.42

1.64

18.53

0.82

1.41

13

4,000.00 5,000.00

1,859.00

82,458.00

2.03

90.19

12,133.93

96,045.34

1.60

12.67

3.00

38.00

4.84

61.29

210.40

1,391.82

3.30

21.83

1.73

1.45

14

5,000.00 7,500.00

2,372.00

84,830.00

2.59

92.79

20,397.28

116,442.62

2.69

15.36

7.00

45.00

11.29

72.58

510.56

1,902.38

8.01

29.84

2.50

1.63

15

7,500.00 10,000.00

1,487.00

86,317.00

1.63

94.41

18,559.88

135,002.50

2.45

17.81

2.00

47.00

3.23

75.81

203.02

2,105.40

3.18

33.02

1.09

1.56

16

10,000.00 20,000.00

2,302.00

88,619.00

2.52

96.93

44,071.74

179,074.24

5.81

23.62

2.00

49.00

3.23

79.03

596.76

2,702.16

9.36

42.38

1.35

1.51

17

20,000.00 50,000.00

1,680.00

90,299.00

1.84

98.77

71,930.51

251,004.75

9.49

33.11

7.00

56.00

11.29

90.32

3,013.72

5,715.89

47.27

89.66

4.19

2.28

18

50,000.00 100,000.00

622.00

90,921.00

0.68

99.45

61,637.08

312,641.83

8.13

41.23

2.00

58.00

3.23

93.55

446.27

6,162.15

7.00

96.66

0.72

1.97

19

100,000.00 500,000.00

431.00

91,352.00

0.47

99.92

117,476.13

430,117.95

15.49

56.73

4.00

62.00

6.45 100.00

213.16

6,375.31

3.34

100.00

0.18

1.48

20

500,000.00 UP

74.00

91,426.00

0.08

100.00

328,082.08

758,200.03

43.27

100.00

0.00

62.00

0.00 100.00

0.00

6,375.31

0.00

100.00

0.00

0.84

63




:2011

OCCUPATION

:INDUSTRIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f

F ∑(d)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

501.00

501.00

3.34

3.34

16.38

16.38

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

288.00

789.00

1.92

5.26

36.30

52.68

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

554.00

1,343.00

3.69

8.96

133.94

186.62

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

386.00

1,729.00

2.57

11.53

163.39

350.01

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

686.00

2,415.00

4.57

16.10

445.59

795.60

0.03

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

583.00

2,998.00

3.89

19.99

586.06

1,381.65

0.03

0.08

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

663.00

3,661.00

4.42

24.41

915.28

2,296.94

0.05

0.14

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

955.00

4,616.00

6.37

30.78

1,846.17

4,143.11

0.11

0.24

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

708.00

5,324.00

4.72

35.50

1,933.47

6,076.57

0.11

0.36

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

544.00

5,868.00

3.63

39.13

1,800.67

7,877.24

0.11

0.46

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

471.00

6,339.00

3.14

42.27

2,057.10

9,934.34

0.12

0.59

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

735.00

7,074.00

4.90

47.17

3,648.53

13,582.87

0.22

0.80

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

593.00

7,667.00

3.95

51.12

3,880.39

17,463.26

0.23

1.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

955.00

8,622.00

6.37

57.49

8,305.72

25,768.99

0.49

1.52

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

763.00

9,385.00

5.09

62.58

9,631.68

35,400.67

0.57

2.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

1,427.00

10,812.00

9.52

72.09

28,916.60

64,317.27

1.70

3.79

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

1,638.00

12,450.00

10.92

83.02

70,599.83

134,917.10

4.16

7.95

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

919.00

13,369.00

6.13

89.14

81,786.23

216,703.33

4.82

12.77

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

1,204.00

14,573.00

8.03

97.17

328,054.23

544,757.56

19.33

32.10

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

424.00

14,997.00

2.83

100.00 1,152,053.49

1,696,811.05

67.90

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

64




:2011

OCCUPATION

:RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

27/07/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

3,733.00

3,733.00

6.31

6.31

147.15

147.15

0.04

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

4,668.00

8,401.00

7.89

14.21

550.18

697.33

0.16

0.20

1.00

1.00

4.00

4.00

3.80

3.80

1.36

1.36

0.69

0.55

3

100.00 200.00

9,162.00

17,563.00

15.49

29.70

1,988.70

2,686.03

0.58

0.78

3.00

4.00

12.00

16.00

79.38

83.18

28.37

29.73

3.99

3.10

4

200.00 300.00

6,877.00

24,440.00

11.63

41.33

2,390.51

5,076.54

0.70

1.48

1.00

5.00

4.00

20.00

5.53

88.71

1.98

31.71

0.23

1.75

5

300.00 500.00

9,052.00

33,492.00

15.31

56.63

5,004.98

10,081.52

1.46

2.94

8.00

13.00

32.00

52.00

11.12

99.83

3.98

35.69

0.22

0.99

6

500.00 750.00

5,894.00

39,386.00

9.97

66.60

4,934.30

15,015.81

1.44

4.39

4.00

17.00

16.00

68.00

43.05

142.89

15.39

51.08

0.87

0.95

7

750.00 1,000.00

4,492.00

43,878.00

7.60

74.20

5,311.25

20,327.06

1.55

5.94

2.00

19.00

8.00

76.00

13.45

156.34

4.81

55.89

0.25

0.77

8

1,000.00 1,500.00

4,279.00

48,157.00

7.24

81.43

7,209.29

27,536.35

2.11

8.04

2.00

21.00

8.00

84.00

25.21

181.55

9.01

64.90

0.35

0.66

9

1,500.00 2,000.00

2,456.00

50,613.00

4.15

85.58

5,846.57

33,382.91

1.71

9.75

1.00

22.00

4.00

88.00

48.70

230.25

17.41

82.31

0.83

0.69

10

2,000.00 2,500.00

1,491.00

52,104.00

2.52

88.11

4,606.33

37,989.24

1.35

11.09

0.00

22.00

0.00

88.00

0.00

230.25

0.00

82.31

0.00

0.61

11

2,500.00 3,000.00

1,192.00

53,296.00

2.02

90.12

4,383.63

42,372.87

1.28

12.37

1.00

23.00

4.00

92.00

13.67

243.92

4.88

87.19

0.31

0.58

12

3,000.00 4,000.00

1,373.00

54,669.00

2.32

92.44

6,614.77

48,987.64

1.93

14.31

0.00

23.00

0.00

92.00

0.00

243.92

0.00

87.19

0.00

0.50

13

4,000.00 5,000.00

865.00

55,534.00

1.46

93.91

5,364.81

54,352.45

1.57

15.87

0.00

23.00

0.00

92.00

0.00

243.92

0.00

87.19

0.00

0.45

14

5,000.00 7,500.00

1,122.00

56,656.00

1.90

95.80

9,908.27

64,260.72

2.89

18.77

1.00

24.00

4.00

96.00

10.67

254.59

3.81

91.01

0.11

0.40

15

7,500.00 10,000.00

641.00

57,297.00

1.08

96.89

8,174.52

72,435.24

2.39

21.15

0.00

24.00

0.00

96.00

0.00

254.59

0.00

91.01

0.00

0.35

16

10,000.00 20,000.00

810.00

58,107.00

1.37

98.26

18,456.08

90,891.33

5.39

26.54

0.00

24.00

0.00

96.00

0.00

254.59

0.00

91.01

0.00

0.28

17

20,000.00 50,000.00

533.00

58,640.00

0.90

99.16

24,545.68

115,437.01

7.17

33.71

1.00

25.00

4.00 100.00

25.15

279.74

8.99

100.00

0.10

0.24

18

50,000.00 100,000.00

212.00

58,852.00

0.36

99.52

22,983.37

138,420.38

6.71

40.42

0.00

25.00

0.00 100.00

0.00

279.74

0.00

100.00

0.00

0.20

19

100,000.00 500,000.00

243.00

59,095.00

0.41

99.93

80,148.12

218,568.50

23.41

63.83

0.00

25.00

0.00 100.00

0.00

279.74

0.00

100.00

0.00

0.13

20

500,000.00 UP

43.00

59,138.00

0.07

100.00

123,845.51

342,414.01

36.17

100.00

0.00

25.00

0.00 100.00

0.00

279.74

0.00

100.00

0.00

0.08

65



NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 30/06/2015 UNDERWRITING YEAR : POLICY STATUS :

2011 A;C;E;N;R

CRESTA ZONE

PROCESSING DATE : 27/07/2015

In IDR

NATIONAL AGGREGAT EXPOSURE Amount

%

NATIONAL GROSS PREMIUM Amount

%

NUMBER OF RISKS Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

BANDA ACEH

1.1

4,799,061,565,236.65

0.22

7,616,473,677.40

0.27

518

0.31

363,816,500.00

5.47

4

4.60

MEDAN

1.2

46,652,172,698,019.40

2.17

54,849,290,878.55

1.94

5,777

3.48

96,659,672.63

1.45

8

9.20

OTHERS

1.3

98,732,449,809,919.40

4.58

132,329,486,203.50

4.69

4,491

2.71

156,092,898.00

2.35

2

2.30


1 2.1

150,183,684,073,175.00 16,558,741,293,262.30

6.97 0.77

194,795,250,759.45 30,870,980,180.28

6.90 1.09

10,786 9,869

6.50 5.95

616,569,070.63 29,390,800.00

9.26 0.44

14 5

16.09 5.75

PALEMBANG

2.2

15,670,152,211,490.50

0.73

14,648,819,921.46

0.52

1,443

0.87

0.00

0.00

0

0.00

OTHERS

2.3

123,060,615,053,710.00

5.71

136,969,849,762.64

4.85

16,565

9.98

2,960,841,000.00

44.49

8

9.20


2 3.1

155,289,508,558,463.00 464,501,709,083,112.00

7.21 21.56

182,489,649,864.38 669,813,175,934.73

6.47 23.74

27,877 38,645

16.80 23.29

2,990,231,800.00 0.00

44.93 0.00

13 0

14.94 0.00

BANDUNG

3.2

6,881,910,055,825.06

0.32

10,069,205,917.11

0.36

1,147

0.69

67,353,075.00

1.01

1

1.15

OTHERS

3.3

607,607,677,895,557.00

28.20

837,246,086,303.36

29.68

34,085

20.54

7,100,000.00

0.11

1

1.15

WEST JAVA SEMARANG

3 4.1

1,078,991,297,034,490.00 6,547,169,388,280.43

50.08 0.30

1,517,128,468,155.20 7,986,696,304.55

53.77 0.28

73,877 669

44.52 0.40

74,453,075.00 0.00

1.12 0.00

2 0

2.30 0.00

YOGYAKARTA

4.2

10,227,924,407,900.00

0.47

15,336,936,026.90

0.54

2,155

1.30

0.00

0.00

0

0.00

OTHERS

4.3

116,804,919,938,213.00

5.42

146,322,144,818.04

5.19

9,711

5.85

0.00

0.00

0

0.00


4 5.1

133,580,013,734,394.00 87,137,349,483,550.50

6.20 4.04

169,645,777,149.49 110,500,306,327.69

6.01 3.92

12,535 6,063

7.55 3.65

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

300,813,831,856,445.00

13.96

360,789,369,393.49

12.79

7,287

4.39

0.00

0.00

0

0.00

5 6

387,951,181,339,995.00 123,120,604,752,261.00

18.01 5.71

471,289,675,721.18 103,644,783,974.23

16.70 3.67

13,350 5,727

8.05 3.45

0.00 0.00

0.00 0.00

0 0

0.00 0.00

UJUNG PANDANG

7.1

10,441,385,729,218.00

0.48

9,478,927,946.13

0.34

1,851

1.12

0.00

0.00

0

0.00

OTHERS

7.2

59,644,593,333,905.30

2.77

93,690,275,855.82

3.32

7,029

4.24

6,662,800.00

0.10

1

1.15

7 8

70,085,979,063,123.30 55,306,297,043,097.90

3.25 2.57

103,169,203,801.95 79,159,595,116.55

3.66 2.81

8,880 12,908

5.35 7.78

6,662,800.00 2,967,135,986.70

0.10 44.58

1 57

1.15 65.52

2,154,508,565,599,000.00

100.00

2,821,322,404,542.43

100.00

165,940 100.00

6,655,052,732.33

100.00

87

100.00


SULAWESI OTHERS TOTAL

66




2012 A;C;E;N;R

PROCESSING DATE :

In IDR

NATIONAL AGGREGAT EXPOSURE

CRESTA ZONE

27/07/2015

Amount

NATIONAL GROSS PREMIUM

NUMBER OF RISKS

%

Amount

%

1.1

0.20

7,270,770,334.31

0.27

588

0.34

1,430,714,900.00

83.15

6

40.00

1.2

39,461,037,801,624.10

2.04

49,028,982,214.66

1.85

6,002

3.47

14,936,201.00

0.87

2

13.33

1.3

40,046,371,005,873.30

2.07

52,543,554,383.44

1.99

4,654

2.69

0.00

0.00

0

0.00


1 2.1

83,360,517,922,084.60 18,866,092,244,302.70

4.32 0.98

108,843,306,932.41 35,565,026,539.09

4.11 1.34

11,244 10,638

6.50 6.15

1,445,651,101.00 0.00

84.02 0.00

8 0

53.33 0.00

PALEMBANG

2.2

18,924,640,233,255.90

0.98

17,692,460,684.60

0.67

1,533

0.89

0.00

0.00

0

0.00

OTHERS

2.3

134,125,533,745,810.00

6.95

155,605,893,467.28

5.88

17,378

10.04

50,000,000.00

2.91

1

6.67


2 3.1

171,916,266,223,368.00 399,151,129,341,981.00

8.90 20.67

208,863,380,690.97 598,194,044,611.17

7.90 22.61

29,549 36,236

17.07 20.93

50,000,000.00 0.00

2.91 0.00

1 0

6.67 0.00

BANDUNG

3.2

10,941,392,878,987.80

0.57

16,342,793,344.50

0.62

1,986

1.15

0.00

0.00

0

0.00

OTHERS

3.3

655,965,204,624,330.00

33.97

954,203,812,153.42

36.07

36,684

21.19

17,438,200.00

1.01

1

6.67

WEST JAVA SEMARANG

3 4.1

1,066,057,726,845,300.00 7,032,671,423,369.66

55.20 0.36

1,568,740,650,109.09 8,721,154,566.99

59.30 0.33

74,906 803

43.27 0.46

17,438,200.00 0.00

1.01 0.00

1 0

6.67 0.00

YOGYAKARTA

4.2

9,213,654,452,599.54

0.48

14,027,570,399.90

0.53

2,309

1.33

0.00

0.00

0

0.00

OTHERS

4.3

102,486,294,341,901.00

5.31

128,289,542,295.50

4.85

10,322

5.96

0.00

0.00

0

0.00


4 5.1

118,732,620,217,870.00 50,352,975,158,199.70

6.15 2.61

151,038,267,262.39 64,104,661,224.53

5.71 2.42

13,434 6,180

7.76 3.57

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

210,015,661,096,202.00

10.87

259,614,064,847.87

9.81

7,802

4.51

0.00

0.00

0

0.00

5 6

260,368,636,254,402.00 101,269,813,257,791.00

13.48 5.24

323,718,726,072.40 93,648,111,530.21

12.24 3.54

13,982 7,633

8.08 4.41

0.00 0.00

0.00 0.00

0 0

0.00 0.00

UJUNG PANDANG

7.1

10,366,655,119,882.30

0.54

9,898,401,546.96

0.37

1,914

1.11

0.00

0.00

0

0.00

OTHERS

7.2

53,890,334,194,031.10

2.79

82,540,150,406.55

3.12

6,206

3.59

77,942,400.00

4.53

2

13.33

7 8

64,256,989,313,913.30 65,246,834,197,369.70

3.33 3.38

92,438,551,953.51 98,098,640,829.61

3.49 3.71

8,120 14,229

4.69 8.22

77,942,400.00 129,510,279.54

4.53 7.53

2 3

13.33 20.00

1,931,209,404,232,100.00

100.00

2,645,389,635,380.59

100.00

173,097 100.00

1,720,541,980.54

100.00

15

100.00

MEDAN OTHERS



67


%

CLAIM FREQUENCY

3,853,109,114,587.20

BANDA ACEH

Amount

CLAIM Amount

%

Amount

%



2013 A;C;E;N;R

PROCESSING DATE :

In IDR


CRESTA ZONE

27/07/2015

Amount


NUMBER OF RISKS

%

Amount

%

1.1

0.18

8,671,562,333.13

0.20

605

0.32

20,985,349.73

0.01

1

1.75

1.2

47,542,841,695,945.20

1.82

64,410,152,058.01

1.51

6,598

3.50

0.00

0.00

0

0.00

1.3

49,388,292,913,159.30

1.90

75,573,831,958.97

1.78

3,910

2.07

0.00

0.00

0

0.00


1 2.1

101,515,552,434,525.00 27,019,846,969,932.80

3.90 1.04

148,655,546,350.11 52,062,491,084.77

3.50 1.22

11,113 10,653

5.90 5.65

20,985,349.73 6,706,092.35

0.01 0.00

1 1

1.75 1.75

PALEMBANG

2.2

22,991,302,055,908.20

0.88

24,281,721,017.51

0.57

1,873

0.99

0.00

0.00

0

0.00

OTHERS

2.3

150,261,108,880,271.00

5.77

194,190,187,501.83

4.57

17,897

9.49

3,995,032.99

0.00

1

1.75


2 3.1

200,272,257,906,112.00 429,924,032,664,141.00

7.69 16.50

270,534,399,604.11 693,093,334,110.39

6.36 16.30

30,423 47,625

16.14 25.27

10,701,125.34 0.00

0.00 0.00

2 0

3.51 0.00

BANDUNG

3.2

10,455,800,182,858.20

0.40

16,279,558,111.33

0.38

2,123

1.13

22,495,295.61

0.01

1

1.75

OTHERS

3.3

974,495,125,173,158.00

37.40

1,664,240,419,693.57

39.14

38,777

20.57

0.00

0.00

0

0.00

WEST JAVA SEMARANG

3 4.1

1,414,874,958,020,160.00 8,708,673,384,952.73

54.30 0.33

2,373,613,311,915.29 11,545,367,381.18

55.83 0.27

88,525 916

46.96 0.49

22,495,295.61 0.00

0.01 0.00

1 0

1.75 0.00

YOGYAKARTA

4.2

8,527,858,959,520.06

0.33

13,260,675,808.26

0.31

2,188

1.16

1,500,455,237.19

0.49

5

8.77

OTHERS

4.3

136,192,546,432,047.00

5.23

185,359,588,031.05

4.36

10,492

5.57

29,104,464,265.10

9.45

6

10.53


4 5.1

153,429,078,776,519.00 37,296,159,313,449.70

5.89 1.43

210,165,631,220.49 48,078,486,375.47

4.94 1.13

13,596 6,240

7.21 3.31

30,604,919,502.29 0.00

9.93 0.00

11 0

19.30 0.00

OTHERS

5.2

200,084,798,977,104.00

7.68

281,458,633,926.23

6.62

8,384

4.45

277,370,076,854.07

90.04

39

68.42

5 6

237,380,958,290,554.00 128,063,585,552,569.00

9.11 4.91

329,537,120,301.70 133,396,548,264.96

7.75 3.14

14,624 7,055

7.76 3.74

277,370,076,854.07 0.00

90.04 0.00

39 0

68.42 0.00

UJUNG PANDANG

7.1

14,056,704,460,026.80

0.54

14,160,625,142.90

0.33

2,058

1.09

0.00

0.00

0

0.00

OTHERS

7.2

39,155,028,523,482.00

1.50

63,648,397,236.51

1.50

6,259

3.32

0.00

0.00

0

0.00

7 8

53,211,732,983,508.80 316,902,549,313,180.00

2.04 12.16

77,809,022,379.41 708,124,986,197.93

1.83 16.65

8,317 14,840

4.41 7.87

0.00 33,394,667.96

0.00 0.01

0 3

0.00 5.26

2,605,650,673,277,130.00

100.00

4,251,836,566,234.00

100.00

188,493 100.00

308,062,572,795.00

100.00

57

100.00

MEDAN OTHERS



68


%

CLAIM FREQUENCY

4,584,417,825,419.94

BANDA ACEH

Amount

CLAIM Amount

%

Amount

%



2014 A;C;E;N;R

PROCESSING DATE :

In IDR


CRESTA ZONE

Amount BANDA ACEH MEDAN OTHERS

27/07/2015

NATIONAL GROSS PREMIUM %

Amount

%


CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

1.1

6,358,619,953,498.16

0.24

12,949,221,282.71

0.31

600

0.28

0.00

0.00

0

0.00

1.2

52,960,197,728,466.80

1.97

74,452,259,838.90

1.75

7,330

3.47

0.00

0.00

0

0.00

1.3

50,050,764,200,763.80

1.86

80,740,535,366.22

1.90

5,002

2.37

0.00

0.00

0

0.00


1 2.1

109,369,581,882,729.00 29,477,769,570,121.90

4.07 1.10

168,142,016,487.83 56,678,295,511.21

3.96 1.34

12,932 12,344

6.12 5.84

0.00 16,000,000.00

0.00 1.23

0 1

0.00 11.11

PALEMBANG

2.2

18,812,054,223,542.00

0.70

20,556,779,467.85

0.48

1,883

0.89

0.00

0.00

0

0.00

OTHERS

2.3

181,058,254,439,927.00

6.74

240,857,497,050.15

5.68

21,194

10.03

0.00

0.00

0

0.00


2 3.1

229,348,078,233,590.00 531,708,345,423,764.00

8.53 19.78

318,092,572,029.21 890,739,103,076.03

7.50 20.99

35,421 48,501

16.76 22.94

16,000,000.00 0.00

1.23 0.00

1 0

11.11 0.00

BANDUNG

3.2

9,865,031,172,512.33

0.37

15,845,074,678.59

0.37

2,037

0.96

0.00

0.00

0

0.00

OTHERS

3.3

884,594,173,548,510.00

32.91

1,523,384,506,403.11

35.91

46,679

22.08

0.00

0.00

0

0.00

WEST JAVA SEMARANG

3 4.1

1,426,167,550,144,790.00 6,094,897,525,335.40

53.06 0.23

2,429,968,684,157.73 8,451,156,211.20

57.27 0.20

97,217 970

45.99 0.46

0.00 0.00

0.00 0.00

0 0

0.00 0.00

YOGYAKARTA

4.2

13,606,090,868,674.60

0.51

21,074,808,625.71

0.50

2,538

1.20

0.00

0.00

0

0.00

OTHERS

4.3

139,412,503,264,086.00

5.19

195,796,480,313.85

4.61

14,155

6.70

0.00

0.00

0

0.00


4 5.1

159,113,491,658,096.00 77,159,355,434,089.90

5.92 2.87

225,322,445,150.76 108,272,703,197.61

5.31 2.55

17,663 6,110

8.36 2.89

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

350,891,208,794,371.00

13.05

512,797,353,232.03

12.09

11,194

5.30

111,029,676.05

8.56

3

33.33

5 6

428,050,564,228,461.00 104,335,917,881,702.00

15.92 3.88

621,070,056,429.64 110,375,638,021.44

14.64 2.60

17,304 6,791

8.19 3.21

111,029,676.05 0.00

8.56 0.00

3 0

33.33 0.00

EAST JAVA KALIMANTAN UJUNG PANDANG

7.1

21,486,486,598,491.00

0.80

24,461,587,772.60

0.58

1,922

0.91

0.00

0.00

0

0.00

OTHERS

7.2

110,822,471,621,368.00

4.12

177,246,688,297.98

4.18

6,117

2.89

820,076,625.00

63.20

3

33.33

7 8

132,308,958,219,859.00 99,370,933,137,622.20

4.92 3.70

201,708,276,070.58 167,970,999,816.88

4.75 3.96

8,039 16,015

3.80 7.58

820,076,625.00 350,410,000.00

63.20 27.01

3 2

33.33 22.22

2,688,065,075,386,850.00

100.00

4,242,650,688,164.07

100.00

211,382 100.00

1,297,516,301.05

100.00

9

100.00


69




2015 A;C;E;N;R

PROCESSING DATE :

In IDR


CRESTA ZONE

Amount BANDA ACEH MEDAN OTHERS

27/07/2015

NATIONAL GROSS PREMIUM %

Amount

%


CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

1.1

455,976,230,003.88

0.09

892,159,151.80

0.12

158

0.32

0.00

0.00

0

0.00

1.2

15,266,930,733,632.30

3.05

20,193,346,385.75

2.69

1,972

4.03

0.00

0.00

0

0.00

1.3

5,459,716,930,089.16

1.09

8,615,166,286.85

1.15

880

1.80

0.00

0.00

0

0.00


1 2.1

21,182,623,893,725.40 4,343,731,570,576.07

4.23 0.87

29,700,671,824.40 7,940,483,158.30

3.96 1.06

3,010 3,939

6.14 8.04

0.00 0.00

0.00 0.00

0 0

0.00 0.00

PALEMBANG

2.2

2,704,718,148,459.90

0.54

3,074,991,420.39

0.41

326

0.67

0.00

0.00

0

0.00

OTHERS

2.3

29,600,541,769,976.90

5.91

37,996,586,002.77

5.07

4,776

9.75

0.00

0.00

0

0.00


2 3.1

36,648,991,489,012.90 114,243,160,461,085.00

7.31 22.80

49,012,060,581.46 181,367,105,417.01

6.54 24.19

9,041 10,593

18.46 21.63

0.00 0.00

0.00 0.00

0 0

0.00 0.00

BANDUNG

3.2

3,383,533,867,786.94

0.68

5,152,691,687.16

0.69

820

1.67

0.00

0.00

0

0.00

OTHERS

3.3

175,486,957,797,968.00

35.02

282,395,849,964.38

37.67

11,247

22.96

0.00

0.00

0

0.00

WEST JAVA SEMARANG

3 4.1

293,113,652,126,839.00 872,040,937,538.39

58.49 0.17

468,915,647,068.55 1,158,646,719.82

62.55 0.15

22,660 157

46.26 0.32

0.00 0.00

0.00 0.00

0 0

0.00 0.00

YOGYAKARTA

4.2

2,202,243,172,949.89

0.44

3,398,558,663.44

0.45

635

1.30

0.00

0.00

0

0.00

OTHERS

4.3

35,491,815,108,839.00

7.08

44,821,354,617.15

5.98

3,492

7.13

0.00

0.00

0

0.00


4 5.1

38,566,099,219,327.30 17,350,016,361,654.30

7.70 3.46

49,378,560,000.41 23,796,751,706.18

6.59 3.17

4,284 1,474

8.75 3.01

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

33,500,806,604,704.10

6.68

46,794,268,170.66

6.24

1,564

3.19

0.00

0.00

0

0.00

5 6

50,850,822,966,358.40 19,654,791,173,810.90

10.15 3.92

70,591,019,876.84 19,367,525,479.25

9.42 2.58

3,038 917

6.20 1.87

0.00 0.00

0.00 0.00

0 0

0.00 0.00

EAST JAVA KALIMANTAN UJUNG PANDANG

7.1

3,108,512,496,701.43

0.62

3,325,115,249.15

0.44

428

0.87

0.00

0.00

0

0.00

OTHERS

7.2

10,501,222,198,359.10

2.10

15,191,585,268.44

2.03

1,239

2.53

0.00

0.00

0

0.00

7 8

13,609,734,695,060.50 27,540,518,738,916.40

2.72 5.50

18,516,700,517.59 44,217,289,235.14

2.47 5.90

1,667 4,366

3.40 8.91

0.00 0.00

0.00 0.00

0 0

0.00 0.00

501,167,234,303,051.00

100.00

749,699,474,583.64

100.00

48,983 100.00

0.00

0.00

0

0.00


70



NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 30/06/2015 UNDERWRITING YEAR POLICY STATUS

: 2011 : A;C;E;N;R


In IDR

NATIONAL AGGREGATE EXPOSURE

OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

20,170,306,793,199.60

0.94

23,897,315,368.61

0.85

379.00

0.23

0.00

0.00

0.00

0.00

COMMERCIAL

C

543,583,034,082,770.00

25.23

758,200,033,083.93

26.87

91,426.00

55.10

6,375,313,072.29

95.80

62.00

71.26

INDUSTRIAL

I

1,358,267,696,554,130.00

63.04

1,696,811,048,866.14

60.14

14,997.00

9.04

0.00

0.00

0.00

0.00

RESIDENTIAL

R

232,487,528,168,908.00

10.79

342,414,007,223.76

12.14

59,138.00

35.64

279,739,660.04

4.20

25.00

28.74

2,154,508,565,599,000.00

100.00

2,821,322,404,542.44

100.00

165,940.00

100.00

6,655,052,732.33

100.00

87.00

100.00

T OT AL

71




: 2012 : A;C;E;N;R


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

23,543,592,772,030.10

1.22

29,419,229,652.86

1.11

420.00

0.24

0.00

0.00

0.00

0.00

COMMERCIAL

C

452,326,550,885,605.00

23.42

646,139,753,626.54

24.43

94,389.00

54.53

1,670,541,980.54

97.09

14.00

93.33

INDUSTRIAL

I

1,225,238,409,045,250.00

63.44

1,623,908,958,082.86

61.39

17,099.00

9.88

0.00

0.00

0.00

0.00

RESIDENTIAL

R

230,100,851,529,218.00

11.91

345,921,694,018.32

13.08

61,189.00

35.35

50,000,000.00

2.91

1.00

6.67

1,931,209,404,232,100.00

100.00

2,645,389,635,380.58

100.00

173,097.00

100.00

1,720,541,980.54

100.00

15.00

100.00

T OT AL

72




: 2013 : A;C;E;N;R


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

25,720,200,428,711.00

0.99

34,917,831,995.79

0.82

482.00

0.26

0.00

0.00

0.00

0.00

COMMERCIAL

C

945,213,315,483,594.00

36.28

1,714,074,272,679.52

40.31

100,292.00

53.21

306,212,972,292.31

99.40

45.00

78.95

INDUSTRIAL

I

1,317,498,327,917,740.00

50.56

2,028,735,955,272.71

47.71

18,252.00

9.68

1,750,356,290.96

0.57

5.00

8.77

RESIDENTIAL

R

317,218,829,447,078.00

12.17

474,108,506,285.99

11.15

69,467.00

36.85

99,244,211.73

0.03

7.00

12.28

2,605,650,673,277,120.00

100.00

4,251,836,566,234.01

100.00

188,493.00

100.00

308,062,572,795.00

100.00

57.00

100.00

T OT AL

73




: 2014 : A;C;E;N;R


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

19,270,163,312,967.20

0.72

24,913,072,274.44

0.59

420.00

0.20

0.00

0.00

0.00

0.00

COMMERCIAL

C

597,476,872,879,481.00

22.23

918,279,907,201.54

21.64

109,009.00

51.57

1,228,599,676.05

94.69

7.00

77.78

INDUSTRIAL

I

1,684,181,022,050,690.00

62.65

2,679,945,456,394.16

63.17

17,159.00

8.12

0.00

0.00

0.00

0.00

RESIDENTIAL

R

387,137,017,143,709.00

14.40

619,512,252,293.91

14.60

84,794.00

40.11

68,916,625.00

5.31

2.00

22.22

2,688,065,075,386,850.00

100.00

4,242,650,688,164.05

100.00

211,382.00

100.00

1,297,516,301.05

100.00

9.00

100.00

T OT AL

74




: 2015 : A;C;E;N;R


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

1,597,018,054,605.00

0.32

2,213,841,234.19

0.30

59.00

0.12

0.00

0.00

0.00

0.00

COMMERCIAL

C

139,793,099,008,678.00

27.89

211,342,544,879.01

28.19

20,377.00

41.60

0.00

0.00

0.00

0.00

INDUSTRIAL

I

276,039,374,566,958.00

55.08

409,408,218,483.81

54.61

3,079.00

6.29

0.00

0.00

0.00

0.00

RESIDENTIAL

R

83,737,742,672,810.20

16.71

126,734,869,986.60

16.90

25,468.00

51.99

0.00

0.00

0.00

0.00

501,167,234,303,051.00

100.00

749,699,474,583.61

100.00

48,983.00

100.00

0.00

0.00

0.00

0.00

T OT AL

75



NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 30/06/2015

UNDERWRITING YEAR POLICY STATUS

PROVINCE

: 2011 : A;C;E;N;R

PROCESSING DATE :

In IDR


27/07/2015


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

61,716,398,867,310.90

2.86

87,633,935,480.81

3.11

2,197.00

1.32

3,250,620,587.13

3,250,620,587.13

9.00

9.00

02. SUMATERA UTARA

88,467,285,205,864.50

4.11

107,161,315,278.64

3.80

8,589.00

5.18

379,606,483.50

379,606,483.50

10.00

10.00

03. SUMATERA BARAT

23,705,405,279,292.50

1.10

41,474,958,579.02

1.47

14,192.00

8.55

95,675,000.00

95,675,000.00

4.00

4.00

04. RIAU

35,064,056,469,754.20

1.63

35,256,215,244.00

1.25

3,204.00

1.93

0.00

0.00

0.00

0.00

05. JAMBI

8,231,659,638,051.55

0.38

8,038,465,820.08

0.28

1,334.00

0.80

0.00

0.00

0.00

0.00

30,750,924,977,797.60

1.43

31,570,394,331.29

1.12

2,059.00

1.24

0.00

0.00

0.00

0.00

07. BENGKULU

4,060,325,847,435.66

0.19

7,255,605,295.58

0.26

2,564.00

1.55

30,898,800.00

30,898,800.00

5.00

5.00

08. LAMPUNG

27,534,812,464,501.00

1.28

37,249,898,677.14

1.32

2,956.00

1.78

0.00

0.00

0.00

0.00

3,156,384,885,166.98

0.15

2,757,422,298.01

0.10

329.00

0.20

0.00

0.00

0.00

0.00

22,785,938,996,463.70

1.06

18,886,689,619.28

0.67

1,239.00

0.75

0.00

0.00

0.00

0.00

11. JAKARTA

464,501,709,083,112.00

21.56

669,813,175,934.73

23.74

38,645.00

23.29

0.00

0.00

0.00

0.00

12. JAWA BARAT

401,042,121,827,649.00

18.61

549,928,012,533.25

19.49

24,616.00

14.83

74,453,075.00

74,453,075.00

2.00

2.00

13. JAWA TENGAH

121,725,177,084,954.00

5.65

151,888,826,113.28

5.38

9,484.00

5.72

0.00

0.00

0.00

0.00

11,854,836,649,440.00

0.55

17,756,951,036.21

0.63

3,051.00

1.84

0.00

0.00

0.00

0.00

15. JAWA TIMUR

387,951,181,339,995.00

18.01

471,289,675,721.19

16.70

13,350.00

8.05

0.00

0.00

0.00

0.00

16. BANTEN

213,447,466,123,733.00

9.91

297,387,279,687.22

10.54

10,616.00

6.40

0.00

0.00

0.00

0.00

43,282,480,532,299.20

2.01

60,357,067,500.68

2.14

7,026.00

4.23

2,817,135,986.70

2,817,135,986.70

56.00

56.00


3,077,047,054,149.34

0.14

5,152,954,498.64

0.18

1,365.00

0.82

0.00

0.00

0.00

0.00


1,617,483,032,767.29

0.08

2,433,951,389.85

0.09

762.00

0.46

0.00

0.00

0.00

0.00


7,209,974,391,744.74

0.33

6,292,796,630.20

0.22

911.00

0.55

0.00

0.00

0.00

0.00


12,214,732,033,229.00

0.57

10,262,245,474.31

0.36

637.00

0.38

0.00

0.00

0.00

0.00


28,151,320,447,496.90

1.31

23,762,331,278.15

0.84

1,020.00

0.61

0.00

0.00

0.00

0.00


75,544,577,879,790.50

3.51

63,327,410,591.57

2.24

3,159.00

1.90

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

20,475,241,127,098.30

0.95

37,726,468,368.21

1.34

2,449.00

1.48

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

2,234,831,075,451.70

0.10

3,453,309,420.21

0.12

1,539.00

0.93

0.00

0.00

0.00

0.00


24,508,942,520,664.60

1.14

24,634,050,796.95

0.87

2,955.00

1.78

6,662,800.00

6,662,800.00

1.00

1.00

9,114,245,475,615.48

0.42

10,519,505,924.99

0.37

541.00

0.33

0.00

0.00

0.00

0.00

12,799,702,686,629.60

0.59

25,429,339,114.68

0.90

1,157.00

0.70

0.00

0.00

0.00

0.00

953,016,177,663.56

0.04

1,406,530,176.92

0.05

239.00

0.14

0.00

0.00

0.00

0.00

1,012,162,473,294.66

0.05

1,761,141,005.57

0.06

403.00

0.24

0.00

0.00

0.00

0.00

599,594,466,006.82

0.03

1,055,956,776.04

0.04

430.00

0.26

0.00

0.00

0.00

0.00

32. PAPUA BARAT

2,191,055,888,141.29

0.10

3,177,814,430.49

0.11

1,213.00

0.73

0.00

0.00

0.00

0.00

33. PAPUA

3,526,473,596,439.34

0.16

5,220,709,515.28

0.19

1,709.00

1.03

0.00

0.00

0.00

0.00

2,154,508,565,599,000.00

100.00

2,821,322,404,542.47

100.00

165,940.00

100.00

6,655,052,732.33

6,655,052,732.33

87.00

87.00



14. DIY

17. BALI

27. SULAWESI TENGGARA 28. GORONTALO 29. SULAWESI BARAT 30. MALUKU 31. MALUKU UTARA

T OT AL

76





PROVINCE

: 2012 : A;C;E;N;R

PROCESSING DATE :

In IDR


01. NAD

27/07/2015


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

8,242,681,344,607.12

0.43

12,339,609,702.98

0.47

1,928.00

1

1,498,153,100.00

1,498,153,100.00

8.00

8.00

02. SUMATERA UTARA

75,117,836,577,477.50

3.89

96,503,697,229.43

3.65

9,316.00

5

82,118,384.00

82,118,384.00

4.00

4.00

03. SUMATERA BARAT

26,868,884,213,511.40

1.39

48,233,293,860.42

1.82

15,231.00

9

0.00

0.00

0.00

0.00

04. RIAU

33,207,775,421,162.90

1.72

35,116,440,154.63

1.33

3,525.00

2

0.00

0.00

0.00

0.00

05. JAMBI

10,895,402,638,529.80

0.56

10,792,361,697.51

0.41

1,657.00

1

0.00

0.00

0.00

0.00


40,818,497,980,547.40

2.11

42,553,796,688.77

1.61

2,330.00

1

0.00

0.00

0.00

0.00

07. BENGKULU

4,433,571,477,580.84

0.23

8,246,317,200.13

0.31

2,100.00

1

0.00

0.00

0.00

0.00

08. LAMPUNG

28,273,311,997,973.60

1.46

39,937,679,016.11

1.51

3,021.00

2

0.00

0.00

0.00

0.00

3,770,377,555,319.56

0.20

3,395,498,865.56

0.13

522.00

0

0.00

0.00

0.00

0.00

23,648,444,938,743.10

1.22

20,587,993,207.84

0.78

1,163.00

1

0.00

0.00

0.00

0.00

11. JAKARTA

399,151,129,341,981.00

20.67

598,194,044,611.17

22.61

36,236.00

21

0.00

0.00

0.00

0.00

12. JAWA BARAT

449,712,411,951,516.00

23.29

652,119,622,168.56

24.65

27,255.00

16

0.00

0.00

0.00

0.00

13. JAWA TENGAH

107,296,512,601,410.00

5.56

133,697,602,983.98

5.05

10,180.00

6

0.00

0.00

0.00

0.00

11,436,107,616,460.70

0.59

17,340,664,278.42

0.66

3,254.00

2

0.00

0.00

0.00

0.00

15. JAWA TIMUR

260,368,636,254,402.00

13.48

323,718,726,072.40

12.24

13,982.00

8

0.00

0.00

0.00

0.00

16. BANTEN

217,194,185,551,802.00

11.25

318,426,983,329.37

12.04

11,415.00

7

0.00

0.00

0.00

0.00

50,116,926,207,592.30

2.60

72,955,767,038.10

2.76

7,587.00

4

62,328,096.54

62,328,096.54

1.00

1.00


3,836,383,475,500.33

0.20

7,087,522,827.65

0.27

1,477.00

1

0.00

0.00

0.00

0.00


2,108,314,395,720.15

0.11

3,237,699,303.25

0.12

970.00

1

0.00

0.00

0.00

0.00


6,288,814,178,617.00

0.33

5,585,406,508.55

0.21

1,821.00

1

0.00

0.00

0.00

0.00


11,780,711,832,551.60

0.61

10,662,231,788.53

0.40

698.00

0

0.00

0.00

0.00

0.00


14,607,685,305,615.70

0.76

13,300,017,057.15

0.50

1,277.00

1

0.00

0.00

0.00

0.00


68,592,601,941,006.50

3.55

64,100,456,175.97

2.42

3,837.00

2

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

11,198,365,054,549.50

0.58

21,023,484,666.00

0.79

1,863.00

1

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

2,113,379,896,386.25

0.11

3,327,226,990.16

0.13

1,230.00

1

0.00

0.00

0.00

0.00


26,708,791,622,795.70

1.38

27,691,959,517.82

1.05

3,187.00

2

77,942,400.00

77,942,400.00

2.00

2.00

9,050,080,341,377.57

0.47

10,819,930,441.97

0.41

576.00

0

0.00

0.00

0.00

0.00

14,066,940,771,299.70

0.73

27,899,410,999.48

1.05

1,010.00

1

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

1,119,431,627,504.72

0.06

1,676,539,338.07

0.06

254.00

0

0.00

0.00

0.00

0.00

30. MALUKU

1,294,838,879,671.43

0.07

2,361,244,475.46

0.09

511.00

0

0.00

0.00

0.00

0.00

839,309,120,352.22

0.04

1,480,820,184.17

0.06

424.00

0

0.00

0.00

0.00

0.00

32. PAPUA BARAT

3,445,075,692,356.94

0.18

5,138,537,640.92

0.19

1,261.00

1

0.00

0.00

0.00

0.00

33. PAPUA

3,605,986,426,176.26

0.19

5,837,049,360.06

0.22

1,999.00

1

0.00

0.00

0.00

0.00

1,931,209,404,232,100.00

100.00

2,645,389,635,380.59

100.00

173,097.00

100

1,720,541,980.54

1,720,541,980.54

15.00

15.00


14. DIY

17. BALI

27. SULAWESI TENGGARA 28. GORONTALO

31. MALUKU UTARA

T OT AL

77





PROVINCE

: 2013 : A;C;E;N;R

PROCESSING DATE :

In IDR


01. NAD

27/07/2015


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

9,005,631,873,527.51

0.35

16,000,089,081.17

0.38

1,626.00

0.86

33,412,673.98

33,412,673.98

2.00

2.00

02. SUMATERA UTARA

92,509,920,560,997.00

3.55

132,655,457,268.94

3.12

9,487.00

5.03

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

37,123,475,274,657.40

1.42

70,756,638,221.95

1.66

15,401.00

8.17

10,701,125.34

10,701,125.34

2.00

2.00

04. RIAU

48,542,834,210,792.30

1.86

57,032,212,594.66

1.34

3,557.00

1.89

0.00

0.00

0.00

0.00

05. JAMBI

10,972,622,690,169.70

0.42

12,415,466,743.59

0.29

1,934.00

1.03

0.00

0.00

0.00

0.00


40,439,584,412,959.00

1.55

47,618,834,510.66

1.12

2,873.00

1.52

0.00

0.00

0.00

0.00

07. BENGKULU

4,865,040,259,933.02

0.19

9,816,378,489.19

0.23

1,827.00

0.97

0.00

0.00

0.00

0.00

08. LAMPUNG

26,647,584,539,396.70

1.02

40,697,993,284.28

0.96

3,056.00

1.62

0.00

0.00

0.00

0.00

4,527,818,073,658.99

0.17

4,399,197,760.16

0.10

479.00

0.25

0.00

0.00

0.00

0.00

27,153,298,444,545.10

1.04

27,797,677,999.64

0.65

1,296.00

0.69

0.00

0.00

0.00

0.00

11. JAKARTA

429,924,032,664,141.00

16.50

693,093,334,110.39

16.30

47,625.00

25.27

0.00

0.00

0.00

0.00

12. JAWA BARAT

703,131,596,776,920.00

26.98

1,201,212,083,152.70

28.25

28,548.00

15.15

22,495,295.61

22,495,295.61

1.00

1.00

13. JAWA TENGAH

141,980,875,350,865.00

5.45

192,446,830,337.54

4.53

10,171.00

5.40

36,673,037.85

36,673,037.85

1.00

1.00

11,448,203,425,654.20

0.44

17,718,800,882.95

0.42

3,425.00

1.82

900,873,816.39

900,873,816.39

4.00

4.00

15. JAWA TIMUR

237,380,958,290,554.00

9.11

329,537,120,301.70

7.75

14,624.00

7.76

307,045,343,990.83 307,045,343,990.83

46.00

46.00

16. BANTEN

281,819,328,579,096.00

10.82

479,307,894,652.20

11.27

12,352.00

6.55

0.00

0.00

0.00

0.00

17. BALI

301,787,423,262,199.00

11.58

681,052,832,813.72

16.02

8,061.00

4.28

0.00

0.00

0.00

0.00


4,518,812,817,725.11

0.17

8,803,236,498.45

0.21

1,361.00

0.72

13,072,855.00

13,072,855.00

1.00

1.00


1,751,136,470,512.98

0.07

2,811,438,143.35

0.07

762.00

0.40

0.00

0.00

0.00

0.00


7,941,811,616,492.80

0.30

7,697,153,563.11

0.18

1,069.00

0.57

0.00

0.00

0.00

0.00


17,189,946,010,771.70

0.66

17,818,984,376.90

0.42

690.00

0.37

0.00

0.00

0.00

0.00


37,104,477,399,895.20

1.42

37,466,701,388.96

0.88

1,250.00

0.66

0.00

0.00

0.00

0.00


65,827,350,525,409.70

2.53

70,413,708,935.99

1.66

4,046.00

2.15

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

16,568,658,936,005.30

0.64

34,273,037,525.63

0.81

1,857.00

0.99

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

4,184,131,470,697.59

0.16

6,867,207,802.25

0.16

1,309.00

0.69

0.00

0.00

0.00

0.00


27,529,740,570,200.40

1.06

28,396,199,459.62

0.67

3,404.00

1.81

0.00

0.00

0.00

0.00


1,521,959,535,093.63

0.06

2,279,641,062.89

0.05

608.00

0.32

0.00

0.00

0.00

0.00

28. GORONTALO

2,120,342,428,357.58

0.08

4,065,456,398.12

0.10

828.00

0.44

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

1,286,900,043,154.22

0.05

1,927,480,130.89

0.05

311.00

0.16

0.00

0.00

0.00

0.00

30. MALUKU

1,834,818,640,495.64

0.07

3,455,919,928.49

0.08

616.00

0.33

0.00

0.00

0.00

0.00

538,208,280,758.84

0.02

1,040,331,975.79

0.02

376.00

0.20

0.00

0.00

0.00

0.00

32. PAPUA BARAT

2,612,323,243,092.17

0.10

4,219,806,774.84

0.10

1,344.00

0.71

0.00

0.00

0.00

0.00

33. PAPUA

3,859,826,598,396.27

0.15

6,741,420,063.30

0.16

2,320.00

1.23

0.00

0.00

0.00

0.00

2,605,650,673,277,120.00

100.00

4,251,836,566,234.02

100.00

188,493.00

100.00

308,062,572,795.00 308,062,572,795.00

57.00

57.00


14. DIY

31. MALUKU UTARA

T OT AL

78





PROVINCE

: 2014 : A;C;E;N;R

PROCESSING DATE :

In IDR


27/07/2015


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

10,502,439,335,646.30

0.39

20,609,783,323.99

0.49

1,888.00

0.89

0.00

0.00

0.00

0.00

02. SUMATERA UTARA

98,867,142,547,082.40

3.68

147,532,233,163.83

3.48

11,044.00

5.22

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

40,486,344,266,288.60

1.51

77,752,878,894.61

1.83

17,132.00

8.10

16,000,000.00

16,000,000.00

1.00

1.00

04. RIAU

55,840,220,411,325.60

2.08

65,456,663,285.11

1.54

4,074.00

1.93

0.00

0.00

0.00

0.00

05. JAMBI

11,065,716,213,730.40

0.41

12,835,067,200.00

0.30

2,266.00

1.07

0.00

0.00

0.00

0.00


42,679,527,268,529.80

1.59

54,363,982,437.68

1.28

3,525.00

1.67

0.00

0.00

0.00

0.00

07. BENGKULU

5,523,126,676,207.22

0.21

11,308,556,281.71

0.27

2,155.00

1.02

0.00

0.00

0.00

0.00

08. LAMPUNG

37,296,673,198,166.30

1.39

58,305,588,868.68

1.37

4,015.00

1.90

0.00

0.00

0.00

0.00

6,068,796,886,179.60

0.23

5,927,025,417.45

0.14

714.00

0.34

0.00

0.00

0.00

0.00

30,387,673,313,163.00

1.13

32,142,809,643.98

0.76

1,540.00

0.73

0.00

0.00

0.00

0.00

11. JAKARTA

531,708,345,423,764.00

19.78

890,739,103,076.03

20.99

48,501.00

22.94

0.00

0.00

0.00

0.00

12. JAWA BARAT

566,346,269,834,249.00

21.07

960,048,952,405.69

22.63

33,697.00

15.94

0.00

0.00

0.00

0.00

13. JAWA TENGAH

141,193,794,174,169.00

5.25

197,433,204,350.41

4.65

13,424.00

6.35

0.00

0.00

0.00

0.00

17,919,697,483,927.30

0.67

27,889,240,800.34

0.66

4,239.00

2.01

0.00

0.00

0.00

0.00

15. JAWA TIMUR

428,050,564,228,461.00

15.92

621,070,056,429.64

14.64

17,304.00

8.19

111,029,676.05

111,029,676.05

3.00

3.00

16. BANTEN

328,112,934,886,773.00

12.21

579,180,628,676.02

13.65

15,019.00

7.11

0.00

0.00

0.00

0.00

17. BALI

73,893,929,884,879.80

2.75

121,227,503,161.89

2.86

9,285.00

4.39

12,910,000.00

12,910,000.00

1.00

1.00


11,264,593,036,683.90

0.42

21,598,527,274.20

0.51

1,740.00

0.82

0.00

0.00

0.00

0.00


2,743,753,156,344.78

0.10

4,536,858,829.59

0.11

552.00

0.26

0.00

0.00

0.00

0.00


11,790,089,041,754.30

0.44

11,747,928,642.44

0.28

1,468.00

0.69

0.00

0.00

0.00

0.00


22,696,519,373,241.10

0.84

23,437,652,588.32

0.55

778.00

0.37

0.00

0.00

0.00

0.00


17,162,099,676,080.10

0.64

18,451,109,369.07

0.43

1,574.00

0.74

0.00

0.00

0.00

0.00


52,687,209,790,626.40

1.96

56,738,947,421.61

1.34

2,971.00

1.41

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

14,917,784,138,481.30

0.55

30,876,898,508.27

0.73

2,139.00

1.01

820,076,625.00

820,076,625.00

3.00

3.00

25. SULAWESI TENGAH

3,599,334,941,830.73

0.13

6,112,014,026.74

0.14

956.00

0.45

0.00

0.00

0.00

0.00


90,455,221,307,121.20

3.37

127,859,578,638.06

3.01

3,627.00

1.72

0.00

0.00

0.00

0.00


17,873,472,932,641.60

0.66

27,498,946,542.37

0.65

585.00

0.28

0.00

0.00

0.00

0.00

28. GORONTALO

2,498,949,922,224.40

0.09

4,905,177,788.98

0.12

548.00

0.26

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

2,964,194,977,560.09

0.11

4,455,660,566.16

0.11

184.00

0.09

0.00

0.00

0.00

0.00

30. MALUKU

2,177,073,886,117.51

0.08

4,242,062,725.97

0.10

741.00

0.35

0.00

0.00

0.00

0.00

844,564,769,178.50

0.03

1,653,435,655.74

0.04

385.00

0.18

0.00

0.00

0.00

0.00

32. PAPUA BARAT

2,861,725,100,454.56

0.11

4,694,917,611.28

0.11

1,350.00

0.64

337,500,000.00

337,500,000.00

1.00

1.00

33. PAPUA

5,585,293,303,963.16

0.21

10,017,694,558.21

0.24

1,962.00

0.93

0.00

0.00

0.00

0.00

2,688,065,075,386,850.00

100.00

4,242,650,688,164.07

100.00

211,382.00

100.00

1,297,516,301.05

1,297,516,301.05

9.00

9.00


14. DIY

31. MALUKU UTARA

T OT AL

79





PROVINCE

: 2015 : A;C;E;N;R

27/07/2015

In IDR


01. NAD

PROCESSING DATE :


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

2,012,264,836,614.09

0.40

4,080,010,889.93

0.54

411.00

0.84

0.00

0.00

0.00

0.00

02. SUMATERA UTARA

19,170,359,057,111.30

3.83

25,620,660,934.47

3.42

2,599.00

5.31

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

5,986,661,675,010.23

1.19

11,061,908,127.01

1.48

5,434.00

11.09

0.00

0.00

0.00

0.00

04. RIAU

8,856,689,069,525.49

1.77

10,915,939,574.32

1.46

930.00

1.90

0.00

0.00

0.00

0.00

05. JAMBI

1,855,347,995,719.84

0.37

2,065,719,898.33

0.28

402.00

0.82

0.00

0.00

0.00

0.00


4,826,759,985,715.52

0.96

5,819,862,986.69

0.78

472.00

0.96

0.00

0.00

0.00

0.00

07. BENGKULU

1,043,807,349,664.97

0.21

1,982,852,075.15

0.26

650.00

1.33

0.00

0.00

0.00

0.00

08. LAMPUNG

6,617,915,899,229.32

1.32

9,786,272,322.92

1.31

709.00

1.45

0.00

0.00

0.00

0.00

582,196,227,782.33

0.12

564,203,690.76

0.08

101.00

0.21

0.00

0.00

0.00

0.00

6,879,613,286,365.16

1.37

6,815,301,906.27

0.91

343.00

0.70

0.00

0.00

0.00

0.00

11. JAKARTA

114,243,160,461,085.00

22.80

181,367,105,417.01

24.19

10,593.00

21.63

0.00

0.00

0.00

0.00

12. JAWA BARAT

123,947,669,414,822.00

24.73

198,011,912,951.79

26.41

8,449.00

17.25

0.00

0.00

0.00

0.00

13. JAWA TENGAH

35,736,117,316,835.70

7.13

45,031,546,624.69

6.01

3,149.00

6.43

0.00

0.00

0.00

0.00

2,829,981,902,491.59

0.56

4,347,013,375.71

0.58

1,135.00

2.32

0.00

0.00

0.00

0.00

15. JAWA TIMUR

50,850,822,966,358.40

10.15

70,591,019,876.83

9.42

3,038.00

6.20

0.00

0.00

0.00

0.00

16. BANTEN

54,922,822,250,932.40

10.96

89,536,628,699.75

11.94

3,618.00

7.39

0.00

0.00

0.00

0.00

17. BALI

22,640,921,910,568.40

4.52

35,744,922,028.96

4.77

2,835.00

5.79

0.00

0.00

0.00

0.00


909,288,695,284.98

0.18

1,615,570,548.83

0.22

329.00

0.67

0.00

0.00

0.00

0.00


394,355,918,765.46

0.08

618,427,489.42

0.08

143.00

0.29

0.00

0.00

0.00

0.00


490,115,703,858.68

0.10

455,336,031.89

0.06

170.00

0.35

0.00

0.00

0.00

0.00


304,926,375,111.67

0.06

285,040,359.44

0.04

71.00

0.14

0.00

0.00

0.00

0.00

7,096,107,359,708.85

1.42

6,422,796,819.75

0.86

219.00

0.45

0.00

0.00

0.00

0.00

11,763,641,735,131.70

2.35

12,204,352,268.18

1.63

457.00

0.93

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

2,291,081,855,946.92

0.46

4,401,661,267.75

0.59

530.00

1.08

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

2,104,338,920,152.37

0.42

3,555,642,431.78

0.47

266.00

0.54

0.00

0.00

0.00

0.00


7,721,022,935,268.02

1.54

8,265,713,882.66

1.10

609.00

1.24

0.00

0.00

0.00

0.00


975,672,830,461.00

0.19

1,415,979,324.98

0.19

119.00

0.24

0.00

0.00

0.00

0.00

28. GORONTALO

230,375,284,948.23

0.05

448,234,484.52

0.06

115.00

0.23

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

287,242,868,284.00

0.06

429,469,125.90

0.06

28.00

0.06

0.00

0.00

0.00

0.00

30. MALUKU

859,816,826,199.76

0.17

1,631,640,570.44

0.22

175.00

0.36

0.00

0.00

0.00

0.00

31. MALUKU UTARA

209,433,216,129.24

0.04

406,110,547.80

0.05

92.00

0.19

0.00

0.00

0.00

0.00

32. PAPUA BARAT

506,878,796,805.58

0.10

788,121,868.52

0.11

276.00

0.56

0.00

0.00

0.00

0.00

2,019,823,375,162.99

0.40

3,412,496,181.17

0.46

516.00

1.05

0.00

0.00

0.00

0.00

501,167,234,303,051.00

100.00

749,699,474,583.62

100.00

48,983.00

100.00

0.00

0.00

0.00

0.00


14. DIY

22. KALIMANTAN SELATAN 23. KALIMANTAN TIMUR

33. PAPUA T OT AL

80


Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015 Indonesian Earthquake Distribution by Province, Underwriting Year 2015, as at 30 June 2015

81


Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015 Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015

82


Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015 Indonesian Earthquake Distribution by Province, Underwriting Year 2015, as at 30 June 2015, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015

83


PEMODELAN DISTRIBUSI BESAR KLAIM Modeling the Distribution of Claims Severity PENGENALAN

INTRODUCTION

Besar Klaim adalah sejumlah uang

Claims severity is the amount of claims

yang diajukan oleh pemegang polis kepada

incurred or paid by an insurance company to a

perusahaan asuransi atas kerugian finansial

policyholder due to a financial loss endured by

akibat suatu kejadian. Berdasarkan definisi

the policyholder as a result of an event. The

tersebut, model peluang untuk peubah acak

domain of a probability model for a claims

Besar Klaim memiliki domain bilangan real

severity random variable is positive real

positif, dan memiliki bentuk distribusi yang

numbers and the shape of the distribution is

skewed to the right atau memiliki ekor (tail) di

skewed to the right (right-tailed).

kanan. Proses pemodelan distribusi besar

The steps in modeling the distribution of

klaim meliputi tahapan-tahapan berikut:

claims severity are as follows:

1. Taksir parameter distribusi untuk suatu

1. Assume or fit a probability model to the

distribusi yang dipilih.

claims severity random variable and estimate its parameters.

2. Uji kecocokan model menggunakan:

2. Test the goodness of fit using:

a. Uji Kolmogorov-Smirnov.

a. The Kolmogorov-Smirnov test.

b. Uji Anderson-Darling.

b. The Anderson-Darling test.

3. Apabila terdapat lebih dari 1 (satu) model

3. If there are more than one plausible

distribusi yang cocok, maka gunakan

probability models for the data, then select

kriteria pemilihan model berdasarkan

a model based on the principle of

prinsip parsimoni, yaitu dipilih model

parsimony, i.e. select a model with fewer

dengan jumlah parameter yang lebih

parameters. Moreover, select a probability

sedikit. Selain prinsip parsimoni, pilih model

model with the largest (or depending on the

dengan nilai Akaike Infirmation Criterion

definition) Akaike’s Information Criterion

(AIC, akan dijelaskan pada sub- bab

(AIC) value (to be described in the next sub-

berikutnya) terbesar (tergantung formula

chapter).

AIC yang digunakan).

84


PENAKSIRAN PARAMETER

PARAMETER ESTIMATION

Metode Momen

Moment Method

Misalkan

pdf

Let 𝑓(𝑥; 𝜃) be a probability density

(probability density function) atau pf (probability

function (pdf) or probability function (pf) of a

function) dari suatu peubah acak 𝑋, dengan

random

𝜃 = (𝜃1 , 𝜃2 , ⋯ , 𝜃𝑘 )′ adalah vektor parameter

(𝜃1 , 𝜃2 , ⋯ , 𝜃𝑘 )′ is a parameter vector of k

dengan 𝑘-elemen, dan 𝜇𝑟′ adalah raw moment

elemens, and 𝜇𝑟′ is rth raw moment of X defined

ke-𝑟 dari 𝑋 didefinisikan sebagai 𝐸[𝑋 𝑟 ]. 𝜇𝑟′

as 𝐸[𝑋 𝑟 ]. 𝜇𝑟′ is function of the parameter 𝜃,

adalah fungsi dari parameter 𝜃, dan kita

and it is assumed that the functional

mengasumsikan ketergantungan fungsional dari

dependence of 𝜇𝑟′ on 𝜃 is known; hence we

𝜇𝑟′ terhadap 𝜃 diketahui sehingga kita dapat

write the rth raw moment of the random variable

menulis raw moment ke-𝑟 dari peubah acak 𝑋

X as 𝜇𝑟′ (𝜃). Given a random sample of size 𝑛,

sebagai 𝜇𝑟′ (𝜃). Diberikan sampel acak 𝑥 =

𝑥 = (𝑥1 , 𝑥2 , ⋯ , 𝑥𝑛 ) , the rth sample moment

(𝑥1 , 𝑥2 , ⋯ , 𝑥𝑛 ) dari 𝑋. Maka momen ke-𝑟 dari

is:

𝑓(𝑥; 𝜃)

adalah

variable

X,

where

𝜃=

sampel adalah: 𝜇̂ 𝑟′

1 = 𝑛

𝑛

𝑥𝑖𝑟 𝑖=1

Taksiran 𝜃̂ diperoleh menggunakan

𝜃̂ is obtained by the method of

metode momen, yaitu solusi secara simultan

moments, that is the simultaneous solutions of

dari system persamaan berikut:

the equations:

μ′r (θ) = μ̂′r ,

𝜇𝑟′ (𝜃) = 𝜇̂ 𝑟′ , for 𝑟 = 1,2, ⋯ , 𝑘

untuk r = 1,2, ⋯ , k

Dengan demikian kita memiliki k-set

We have, therefore, k equations with k

persamaan yang melibatkan 𝜃1 , 𝜃2 , ⋯ , 𝜃𝑘

unknown parameters 𝜃1 , 𝜃2 , ⋯ , 𝜃𝑘 . We assume

parameter yang tidak diketahui. Kita asumsikan

that there exists a solution of the above system

terdapat suatu solusi dari sistem persamaan di

of equations. However, there is a possibility of

atas. Namun, terdapat kemungkinan akan

the existence of more than one solution, hence,

dihasilkan lebih dari 1 solusi, sehingga estimasi

the resulting estimators using the method of

parameter menggunakan metode momen dapat

moments may not be uniqe.

saja tidak unik.

85


Maximum Likelihood Estimation (MLE)

Maximum Likelihood Estimation (MLE)

Misalkan sampel acak 𝑥 = (𝑥1 , 𝑥2 , ⋯ , 𝑥𝑛 )

Let 𝑥 = (𝑥1 , 𝑥2 , ⋯ , 𝑥𝑛 ) be a random sample

berasal dari populasi yang mengikuti suatu

from a population which follow a certain

distribusi peluang tertentu. Maka fungsi

probability distribution. The likelihood function of

likelihood dari sampel acak tersebut adalah

the random sample is:

sebagai berikut: 𝑛

𝐿(𝜽) =

𝑓 𝑥𝑗 ; 𝜽 𝑗 =1

Penaksir maksimum likelihood adalah

The Maximum Likelihood Estimator is

̂ yang memaksimumkan fungsi likelihood nilai 𝜽

̂ that maximizes the Likelihood function. To find 𝜽

tersebut.

Untuk

memaksimumkan

mencari fungsi

̂ 𝜽

nilai

likelihood

yang

̂ that maximizes the likelihood the value of 𝜽

dapat

function, maximize the function:

dilakukan dengan cara memaksimumkan fungsi: 𝑛

𝑙(𝜽) = ln[𝐿(𝜽)] = 𝑙𝑛

𝑛

𝑓 𝑥𝑗 ; 𝜽

=

𝑗 =1

𝑙𝑛𝑓 𝑥𝑗 ; 𝜽 𝑗 =1

Fungsi di atas dikenal dengan nama fungsi

The function above is known as the

loglikelihood

Loglikelihood Function.

UJI KECOCOKAN MODEL

MODEL GOODNESS OF FIT

Untuk menganalisis data besar klaim,

To analyze the claims severity data, it is

diasumsikan bahwa data besar klaim berasal

assumed that the data came from a population

dari suatu populasi yang mengikuti suatu

which follow a certain probability distribution. We

distribusi

will validate the assumed probability distribution

peluang

tertentu.

Kita

akan

memvalidasi distribusi yang diasumsikan benar

through a hypothesis testing procedure

dengan uji hipotesis sebagai berikut:

follows: 𝐻0 : The data came from a population

𝐻0 : Data berasal dari suatu populasi

with a distribution function F*.

dengan fungsi distribusi 𝐹 ∗ .

𝐻1 : The data does not come from a

𝐻1 : Data tidak berasal dari suatu

population with a distribution function F*.

populasi dengan fungsi distribusi 𝐹 ∗ . 86


as

Uji

kecocokan

model

tersebut

The goodness of fit test

uses both the

melibatkan distribusi kumulatif 𝐹 ∗ dari distribusi

cumulative distribution F*

of the assumed

yang diasumsikan pada 𝐻0 dengan fungsi

distribution in H0 and the empirical distribution

distribusi empiris 𝐹̂ .

function 𝐹̂ .

Fungsi Distribusi Empiris

Empirical Distribution Function The Empirical distribution defines the

Fungsi peluang empiris menetapkan peluang sebesar

1 𝑛

probability of

untuk setiap observasi,

1 𝑛

for each observation in the

dengan 𝑛 adalah ukuran sampel. Maka fungsi

sample, where 𝑛 is the sample size. Therefore

distribusi empiris didefinisikan sebagai berikut:

the empirical distribution function is defined as

𝐹̂ (𝑥) =

follows:

banyaknya observasi ≤ 𝑥 𝑛

𝐹̂ (𝑥) =

the number of observations with values≤ 𝑥 ) 𝑛

Dua statistik uji yang dapat digunakan untuk

Two test statistics which may be used to

menguji hipotesis atas distribusi peluang

carry out the hypothesis testing on the

populasi dijelaskan di bawah.

probability distribution of the population are explained below.

Kolmogorov-Smirnov

Kolmogorov-Smirnov

Uji Kolmogorov Smirnov hanya bisa

The Kolmogorov Smirnov test may be

digunakan untuk data individu. Misalkan

used only for individual data. Suppose 𝑥(𝑖) , 𝑖 =

𝑥(𝑖) , 𝑖 = 1,2,3, … , 𝑛 adalah statistik terurut

1,2,3, … , 𝑛 are the order statistics of a random

dari sampel acak, maka statistik ujinya adalah:

sample of size 𝑛 then the test statistics is:

𝐷 = max

𝑖∈ 1,⋯,𝑛

𝑚𝑎𝑥 𝐹̂ 𝑥(𝑖−1) − 𝐹 ∗ 𝑥(𝑖) , 𝐹̂ 𝑥(𝑖) − 𝐹 ∗ 𝑥(𝑖)

dengan 𝑥(1) dan 𝑥(𝑛) adalah minimum dan

where 𝑥(1) and 𝑥(𝑛) are the minimum and

maksimum dari observasi. 𝐹̂ (𝑥) adalah fungsi

maximum of the observations in the sample.

distribusi empiris dari data sedangkan 𝐹 ∗ (𝑥)

𝐹̂ (𝑥) is the empirical distribution function of the

adalah fungsi distribusi dari distribusi peluang

data while 𝐹 ∗ (𝑥) is the distribution function of

yang dianggap cocok untuk memodelkan data

the probability function considered suitable to

(yang di asumsikan pada 𝐻0 ). Dalam Klugman,

model the data (assumed in H0). In Klugman, et

87


et al (2004), halaman 331, titik-titik kritis statistik

al (2004), page 331, the critical points for the

uji ini adalah sebagai berikut:

test statistics are as follows:

Tingkat Signifikansi α Titik kritis

𝟎, 𝟏𝟎 1,22

𝟎, 𝟎𝟓 1,36

𝟎, 𝟎𝟏 1,63

𝑛

𝑛

𝑛

α Significance Level Critical points

𝟎. 𝟏𝟎 1.22

𝟎. 𝟎𝟓 1.36

𝟎. 𝟎𝟏 1.63

𝑛

𝑛

𝑛

Jika diberikan suatu tingkat signifikan 𝛼 tertentu,

Given a significance level 𝛼, 𝐻0 is rejected if

𝐻0 ditolak apabila nilai statistik uji

the observed test statistics D is greater than the

observasi 𝐷 lebih besar dari titik kritis yang

corresponding critical point given in the table

terdapat pada tabel di atas.

above.

Anderson-Darling

Anderson-Darling

Sama seperti uji Kolmogorov-Smirnov, uji

Similar to Kolmogorov-Smirnov test, the

Anderson-Darling hanya cocok untuk data

Anderson-Darling test is only suitable for

individu. Untuk statistik ujinya, perhatikan

individual data. Test statistics formula can be

formula

find below:

maka

di

bawah

1 𝐴2 = − 𝑛

ini:

𝑛

(2𝑗 − 1) log 𝐹 ∗ 𝑥(𝑗 )

+ log 1 − 𝐹 ∗ 𝑥(𝑛+1−𝑗 )

−𝑛

𝑗 =1

Dengan 𝐹 ∗ (𝑥) adalah fungsi distribusi dari

𝐹 ∗ (𝑥) is distribution function of the probability

distribusi peluang yang dianggap cocok untuk

function considered suitable to model the data

memodelkan data (yang diasumsikan pada 𝐻0 ).

(assumed in H0). In Klugman, et al (2004), pages

Dalam Klugman, et al (2004), halaman 333, titik-

333, the critical points for the test statistics are

titik kritis statistik uji ini adalah sebagai berikut:

as follows:

Tingkat Signifikansi α Titik Kritis

𝟎, 𝟏𝟎 1,933

𝟎, 𝟎𝟓 2,492

α Significance Level Critical points

𝟎, 𝟎𝟏 3,857

𝟎. 𝟏𝟎 1.933

𝟎. 𝟎𝟓 2.492

𝟎. 𝟎𝟏 3.857

(E

Jika diberikan suatu tingkat signifikansi 𝛼

Given a level of significance 𝛼, then 𝐻0 is

tertentu, maka 𝐻0 ditolak apabila nilai statistika

rejected if the observed test statistics A2 is

uji observasi 𝐴2 lebih besar dari titik kritis yang

greater than the corresponding critical point

terdapat pada tabel di atas.

given in the table above.

88


Pemilihan Model

Model Selection

Jika terdapat beberapa model peluang yang

If there are more than one probability models

dianggap cocok maka pemilihan model peluang

which are plausible to model the data then select

yang digunakan untuk memodelkan data

a model using the Akaike’s Information Criterion

dilakukan berdasarkan nilai Akaike’s Information

(AIC). The AIC is a criteria which takes into

Criterion (AIC). AIC adalah suatu kriteria yang

account the model goodness of fit based on the

menyeimbangkan goodness of fit model

likelihood of the model and the parsimony

berdasarkan nilai likelihood dari model dengan

principle which penalize a model with many

banyaknya parameter dari model. Nilai AIC

parameters. The AIC value is calculated using

dapat diperoleh melalui fungsi:

the formula:

𝐴𝐼𝐶 = log 𝐿 𝜃̂ ; 𝑥 − 𝑝 log 𝐿 𝜃̂; 𝑥 adalah log-likelihood yang telah

𝑙𝑜𝑔 𝐿 𝜃̂; 𝑥

dihitung menggunakan 𝜃̂ yang diperoleh dari

calculated using the 𝜃̂ obtained from the MLE

metode MLE dan 𝑝 adalah banyak parameter

method and 𝑝 is the number of parameters in

pada model. Berdasarkan fungsi di atas, model

the model.

is the log-likelihood which is

yang dipilih adalah yang memiliki AIC terbesar.

Contoh

Example

Data

Data

Data yang akan dianalisis adalah data klaim

The data analyzed is paid claims data as at

yang sudah dibayarkan (paid claims) as at

December 2014 at an insurance company XYZ.

Desember 2014 pada suatu perusahaan

Before carrying out the data analysis, the data is

asuransi XYZ. Sebelum dilakukan analisis data,

“cleaned” and then “salvage” is separated from

data tersebut “dibersihkan” terlebih dahulu, dan

the paid claims data.

data salvage dipisahkan dari data paid claims. Statistik Deskriptif

Descriptive Statistics

Untuk memodelkan distribusi besar klaim,

To model the distribution of the paid claims,

model yang digunakan adalah model distribusi

probability models for a continuous random

kontinu. Sebelum dilakukan proses pemodelan,

variable are considered. The descriptive

ditampilkan terlebih dahulu statistik deskriptif

statistics of the data are calculated as follows: 89


dari data paid claim sabagai berikut:

DESCRIPTIVE STATISTICS

STATISTIK DESKRIPTIF 71.412.972,83 330.513.668,60 4,63 1.753.154,44 7.356.306,25 34.091.416,24 7.104.533.028,25 1.089,49 2.886,00

MEAN STDEV CV Q1 Q2 Q3 MAX MIN N

MEAN STDEV CV Q1 Q2 Q3 MAX MIN N

71,412,972.83 330,513,668.60 4.63 1,753,154.44 7,356,306.25 34,091,416.24 7,104,533,028.25 1,089.49 2,886.00

Penaksiran Parameter

Parameters Estimation

Dengan menggunakan metode MLE, diperoleh

Using the MLE method,

taksiran parameter untuk beberapa distribusi

parameters for some probability distributions are

peluang berikut:

given in the table below:

DISTRIBUSI Gamma Inverse Gaussian Loglogistic Lognormal Normal

LOGLIKELIHOOD −52.720 −53.698 −52.038 −52.023 −60.707

PARAMETER-1 𝛼 = 0,31 𝜇 = 71.413.000 𝛾 = 0, 81 𝜇 = 15,84 𝜇 = 71.413.000

DISTRIBUTION Gamma Inverse Gaussian Loglogistic Lognormal Normal

PARAMETER -2 𝜃 = 233.490.000 𝜃 = 506.130 𝜃 = 7.453.700 𝜎 = 2,16 𝜎 = 330.510.000

90


LOGLIKELIHOOD −52,720 −53,698 −52,038 −52,023 −60,707

estimates of the

PARAMETER-1 𝛼 = 0.31 𝜇 = 71,413,000 𝛾 = 0.81 𝜇 = 15.84 𝜇 = 71,413,000

PARAMETER -2 𝜃 = 233,490,000 𝜃 = 506,130 𝜃 = 7,453,700 𝜎 = 2.16 𝜎 = 330,510,000

Uji Kecocokan Model

Goodness of Fit Test

Dengan menggunakan uji Kolmogorov-Smirnov

Using the Kolmogorov-Smirnov and Anderson

& Anderson-Darling, diperoleh nilai statistik uji

darling tests, the observed test statistics below

observasi untuk masing-masing statistik uji,

are obtained:

sebagai berikut : DISTRIBUSI Gamma Inverse Gaussian Loglogistic Lognormal Normal

KOLMOGOROVSMIRNOV 0,0886 0,3506 0,0394 0,0245 0,4145

ANDERSONDARLING 156,7457 877,6683 4,7080 3,0282 𝐼𝑛𝑓

DISTRIBUTION Gamma Inverse Gaussian Loglogistic Lognormal Normal

Untuk tingkat signifikansi 𝛼 = 0,05, diperoleh titik kritis

KOLMOGOROVSMIRNOV 0.0886 0.3506 0.0394 0.0245 0.4145

ANDERSONDARLING 156.7457 877.6683 4.7080 3.0282 𝐼𝑛𝑓

For a significance level of 𝛼 = 0.05,

1,36

= 0,0253 . Dari tabel 2886

the critical point is

1.36 2886

= 0.0253. From the

di atas, untuk distribusi lognormal dengan

table above, for a lognormal probability model

parameter

with parameters 𝜇 = 15.84 and 𝜎 = 2.16, the

diperoleh

𝜇 = 15,84 nilai

dan

observasi

𝜎 = 2,16, statistik

uji

observed Kolmogorov-Smirnov test statistics

Kolmogorov-Smirnov sebesar 0,0245. Karena

value is 0.0245. Hence, only the lognormal

nilai statistik uji observasi lebih kecil dari titik

probability model is not rejected as a plausible

kritis (walupun dalam contoh ini perbedaannya

model for the paid claims data based on the

tidak terlalu besar), maka hanya distribusi

Kolmogorov-Smirnov test. It can be seen that

lognormal, yang lolos uji Kolmogorov-Smirnov.

none of the assumed probability models above

Dapat dilihat bahwa tidak ada model peluang

are plausible for the paid claims data.

pada tabel di atas yang lolos uji AndersonDarling.

91


Pemilihan Model

Selecting the Model

Dalam melakukan pemilihan model, penulis

Based on the Kolmogorov-Smirnov test for a

menggunakan hasil uji kecocokan model

level of significance of 𝛼 = 0.05 a lognormal

dengan menggunakan statistik uji Kolmogorov-

distribution with parameters 𝜇 = 15.84 and

Smirnov untuk tingkat signifikansi 𝛼 = 0,05.

𝜎 = 2.16 is selected.

Dipilih model distribusi lognormal dengan parameter 𝜇 = 15,84 dan 𝜎 = 2,16.

Referensi /Reference Klugman, S. A., Panjer, H. H., Willmot, G. E. (2005), Loss Models From Data to Decision, New Jersey: John Willey and Son Inc. Tse, Y. (2009), Nonlife Actuarial Models Theory, Methods and Evaluation, Cambridge: Cambridge University.

92


Lampiran 1 / Attachment 1

GLOSSARIES 1.

2.

OCCUPATION A

-

AGRICULTURAL

C

-

COMMERCIAL

I

-

INDUSTRIAL

R

-

RESIDENTIAL

:

ZONES (BASED ON CRESTA-Catastrophe Risk Evaluating and Standardizing Target Accumulations) : 1.1

-

Banda Aceh

1.2

-

Medan

1.3

-

Others

1

-

North Sumatera

2.1

-

Padang

2.2

-

Palembang

2.3

-

Others

2

-

South Sumatera

3.1

-

DKI Jakarta

3.2

-

Bandung

3.3

-

Others

3

-

DKI & West java

4.1

-

Semarang

4.2

-

Yogyakarta 93


3.

4.3

-

Others

4

-

DIY & Central Java

5.1

-

Surabaya

5.2

-

Others

5

-

East Java

6

-

Kalimantan

7.1

-

Ujung Pandang

7.2

-

Others

7

-

Sulawesi

8

-

Other Islands

f

:

Frequencies

F

:

Accumulations of frequencies

Cum :

4.

Cumulative (increasing in amount by one addition after another)

Incurred Claim Outstanding Claims (100%) plus paid/settled claims (100%)

5.

Sum Insured The Sum Insured represents 100% Sum Insured

6.

Gross Premium Gross Premium represent 100% premium

7.

Loss Ratio The percentage ratio of Incurred claims to Gross Premium

94



TARIF PREMI ASURANSI GEMPA BUMI Tarif Premi Untuk Kerusakan Fisik dan Gangguan Usaha Dengan Harga Pertanggungan Nilai Penuh (Full Value Basis ) Dengan Indeminty Period 12 Bulan.

Commercial and Industrial (Non Dwelling House) Kelas Konstruksi Steel, Wood and RC Frame

< 9 Storeys > 9 Storeys

Others

Zona I 0,90 1,35 1,00

Tarif Premi per mil (‰ ) Zona II Zona III Zona IV 0,95 1,25 1,50 1,45 1,55 1,60 1,10 1,55 3,00

Zona V 1,90 2,00 4,70

Zona I 0,85 0,90

Tarif Premi per mil (‰ ) Zona II Zona III Zona IV 0,95 1,15 1,35 1,00 1,55 2,75

Zona V 1,60 4,50

Dwelling House - Occupation Code 2976 Kelas Konstruksi Steel, Wood and RC Frame Others Zona mengacu pada tabel Zona Aturan Tambahan 1. Untuk gedung bertingkat yang mempunyai bangunan di bawah tanah yang lazim disebut "Basement " atau "Semi Basement" atau dengan nama apapun, lantai bawah tanah tersebut juga diperhitungkan dalam menentukan jumlah lantai. Dengan demikian, semua lantai dihitung, baik lantai yang ada di atas tanah maupun yang dibawah tanah. 2. Untuk Tower antena yang lazim digunakan sebagai pemancar radio, jaringan listrik, jaringan telepon genggam dan sejenisnya, tingginya tower (dihitung dari permukaan tanah) dianggap sebagai ukuran jumlah lantai, dengan menggunakan dasar perhitungan tinggi 1 (satu) lantai adalah +/- 4 meter.

(sumber:Lampiran IV Surat Edaran OJK Nomor: SE-06/D.05/2013, tanggal 31 Desember 2013)

DEFINISI COMMERCIAL AND INDUSTRIAL

: Obyek selain okupasi dwelling house (kode okupasi selain 2976)



Steel Frame

: struktur bangunan yang menggunakan Baja sebagai rangkanya



Wood

: struktur bangunan yang menggunakan kayu sebagai rangkanya



Reinforced Concrete

: struktur bangunan yang menggunakan beton bertulang sebagai rangkanya

95




Others (Incl. No Frame)

: struktur bangunan selain konstruksi baja, beton bertulang atau rangka kayu; termasuk bangunan yang terbuat dari susunan batu tanpa rangka

DWELLING HOUSE 

Steel, Wood or RC Frame

: Obyek dengan kode okupasi 2976 : struktur bangunan rumah tinggal dengan konstruksi baja, beton bertulang atau rangka kayu



Others

: struktur bangunan rumah tinggal selain konstruksi baja, beton bertulang atau rangka kayu termasuk bangunan rumah tinggal yang terbuat dari susunan batu tanpa rangka.

96



(sumber:Lampiran IV Surat Edaran OJK Nomor: SE-06/D.05/2013, tanggal 31 Desember 2013) 97



TARIF SUKU PREMI KURANG DARI 12 BULAN JANGKA WAKTU

PROSENTASI TARIP TAHUNAN

3 hari

5%

10 hari

10%

1 bulan

20%

1.5 bulan

25%

2 bulan

30%

3 bulan

40%

4 bulan

50%

5 bulan

60%

6 bulan

70%

7 bulan

75%

8 bulan

80%

9 bulan

85%

10 bulan

90%

11 bulan

95%

lebih dari 11 bulan dihitung tarip suku premi penuh

98



SKALA TARIF PREMI GANGGUAN USAHA (BUSINESS INTERRUPTION) Tarif Premi untuk jaminan gangguan usaha (Business Interruption) berlaku skala sebagai berikut : Indemnity Period 1 bulan 2 bulan 3 bulan 4 bulan 6 bulan 9 bulan 12 bulan 15 bulan 18 bulan 21 bulan 24 bulan 30 bulan 36 bulan 48 bulan

Prosentase (%) dari Tarif Premi 20% x 100% tarif premi 30% x 100% tarif premi 40% x 100% tarif premi 50% x 100% tarif premi 60% x 100% tarif premi 80% x 100% tarif premi 100% x 100% tarif premi 96% x 100% tarif premi 93% x 100% tarif premi 91.5% x 100% tarif premi 90% x 100% tarif premi 87% x 100% tarif premi 85% x 100% tarif premi 83% x 100% tarif premi

Untuk Indemnity Period lebih dari 48 bulan penetapan prosentase dari tarif premi diserahkan kepada underwriter Perusahaan Asuransi Umum

(sumber:Lampiran IV Surat Edaran OJK Nomor: SE-06/D.05/2013, tanggal 31 Desember 2013)

99



CRESTA ZONE dan Zona Provinsi Nanggroe Aceh Darussalam

Sumatra Utara

Cresta

Zona

KAB. SIMEULUE

Kota/ Kabupaten

1.3

5

KAB. ACEH SINGKIL

1.3

5

KAB. ACEH SELATAN

1.3

5

KAB. ACEH TENGGARA

1.3

5

KAB. ACEH TIMUR

1.3

4

KAB. ACEH TENGAH

1.3

4

KAB. ACEH BARAT

1.3

5

KAB. ACEH BESAR

1.3

5

KAB. PIDIE

1.3

5

KAB. BIREUEN

1.3

4

KAB. ACEH UTARA

1.3

3

KAB. ACEH BARAT DAYA

1.3

5

KAB. GAYO LUES

1.3

5

KAB. ACEH TAMIANG

1.3

4

KAB. NAGANRAYA

1.3

5

KAB. ACEH JAYA

1.3

5

KAB. BENER MERIAH

1.3

4

KAB. PIDIE JAYA

1.3

5

KOTA BANDA ACEH

1.1

5

KOTA SABANG

1.3

5

KOTA LANGSA

1.3

4

KOTA LHOKSEUMAWE

1.3

3

KOTA SUBULUSSALAM

1.3

5

KAB. NIAS

1.3

5

KAB. MANDAILING NATAL

1.3

4

KAB. TAPANULI SELATAN

1.3

4

KAB. TAPANULI TENGAH

1.3

5

KAB. TAPANULI UTARA

1.3

5

KAB. TOBA SAMOSIR

1.3

4

KAB. LABUHAN BATU

1.3

3

KAB. ASAHAN

1.3

3

KAB. SIMALUNGUN

1.3

4

KAB. DAIRI

1.3

4

KAB. KARO

1.3

4

KAB. DELI SERDANG

1.3

3

KAB. LANGKAT

1.3

3

KAB. NIAS SELATAN

1.3

5

KAB. HUMBANG HASUNDUTAN

1.3

5

KAB. PAKPAK BHARAT

1.3

4

KAB. SAMOSIR

1.3

4

KAB. SERDANG BEDAGAI

1.3

3

KAB. PADANG LAWAS

1.3

4

KAB. BATUBARA

1.3

3

KAB. ANGKOLA SIPIROK

1.3

4

KOTA SIBOLGA

1.3

5

KOTA TANJUNG BALAI

1.3

3

KOTA PEMATANG SIANTAR

1.3

4

KOTA TEBING TINGGI

1.3

3

KOTA MEDAN

1.2

3

KOTA BINJAI

1.3

3

KOTA PADANG SIDEMPUAN

1.3

4

100


Provinsi Sumatra Barat

Riau

Jambi

Sumatra Selatan

Cresta

Zona

KAB. KEPULAUAN MENTAWAI

Kota/ Kabupaten

2.3

5

KAB. PESISIR SELATAN

2.3

5

KAB. SOLOK

2.3

5

KAB. SAWAHLUNTO SIJUNJUNG

2.3

4

KAB. TANAH DATAR

2.3

4

KAB. PADANG PARIAMAN

2.3

5

KAB. AGAM

2.3

5

KAB. LIMA PULUH KOTA

2.3

4

KAB. PASAMAN

2.3

3

KAB. SOLOK SELATAN

2.3

5

KAB. DHARMASRAYA

2.3

3

KAB. PASAMAN BARAT

2.3

4

KOTA PADANG

2.1

5

KOTA SOLOK

2.3

5

KOTA SAWAHLUNTO

2.3

4

KOTA PADANGPANJANG

2.3

5

KOTA BUKITTINGGI

2.3

5

KOTA PAYAKUMBUH

2.3

4

KOTA PARIAMAN

2.3

5

KAB. KUANTAN SINGINGI

2.3

3

KAB. INDRAGIRI HULU

2.3

2

KAB. INDRAGIRI HILIR

2.3

2

KAB. PELALAWAN

2.3

2

KAB. SIAK

2.3

2

KAB. KAMPAR

2.3

3

KAB. ROKAN HULU

2.3

3

KAB. BENGKALIS

2.3

2

KAB. ROKAN HILIR

2.3

2

KOTA PEKANBARU

2.3

3

KOTA DUMAI

2.3

2

KAB. KERINCI

2.3

5

KAB. MERANGIN

2.3

4

KAB. SAROLANGUN

2.3

3

KAB. BATANGHARI

2.3

2

KAB. MUARO JAMBI

2.3

2

KAB. TANJUNG JABUNG TIMUR

2.3

2

KAB. TANJUNG JABUNG BARAT

2.3

2

KAB. TEBO

2.3

3

KAB. BUNGO

2.3

3

KOTA JAMBI

2.3

2

KAB. OGAN KOMERING ULU

2.3

3

KAB. OGAN KOMERING ILIR

2.3

2

KAB. MUARAENIM

2.3

3

KAB. LAHAT

2.3

3

KAB. MUSI RAWAS

2.3

4

KAB. MUSI BANYUASIN

2.3

3

KAB. BANYUASIN

2.3

3

KAB. OGAN KOMERING ULU SE

2.3

4

KAB. OGAN KOMERING ULU TI

2.3

3

KAB. OGAN ILIR

2.3

2

KAB. EMPAT LAWANG

2.3

4

KOTA PALEMBANG

2.2

2

KOTA PRABUMULIH

2.3

3

KOTA PAGARALAM

2.3

4

KOTA LUBUKLINGGAU

2.3

4

101


Provinsi Bengkulu

Lampung

Kepulauan Bangka Belitung

Kepulauan Riau

Banten

Daerah Khusus Ibukota Jakarta

Kota/ Kabupaten

Cresta

Zona

KAB. BENGKULU SELATAN

2.3

5

KAB. REJANG LEBONG

2.3

5

KAB. BENGKULU UTARA

2.3

5

KAB. KAUR

2.3

5

KAB. SELUMA

2.3

5

KAB. MUKOMUKO

2.3

5

KAB. LEBONG

2.3

5

KAB. KEPAHIANG

2.3

5

KOTA BENGKULU

2.3

5

KAB. LAMPUNG BARAT

2.3

5

KAB. TANGGAMUS

2.3

5

KAB. LAMPUNG SELATAN

2.3

4

KAB. LAMPUNG TIMUR

2.3

3

KAB. LAMPUNG TENGAH

2.3

3

KAB. LAMPUNG UTARA

2.3

3

KAB. WAY KANAN

2.3

3

KAB. TULANG BAWANG

2.3

3

KAB. PESAWARAN

2.3

4

KOTA BANDAR LAMPUNG

2.3

4

KOTA METRO

2.3

3

KAB. BANGKA

2.3

1

KAB. BELITUNG

2.3

1

KAB. BANGKA BARAT

2.3

1

KAB. BANGKA TENGAH

2.3

1

KAB. BANGKA SELATAN

2.3

2

KAB. BELITUNG TIMUR

2.3

1

KOTA PANGKAL PINANG

2.3

1

KAB. KARIMUN

2.3

1

KAB. BINTAN

2.3

1

KAB. NATUNA

2.3

1

KAB. LINGGA

2.3

1

KOTA BATAM

2.3

1

KOTA TANJUNG PINANG

2.3

1

KAB. PANDEGLANG

3.3

5

KAB. LEBAK

3.3

4

KAB. TANGERANG

3.3

4

KAB. SERANG

3.3

4

KOTA TANGERANG

3.3

4

KOTA CILEGON

3.3

4

KOTA SERANG

3.3

4

KAB. KEPULAUAN SERIBU

3.1

3

KOTA JAKARTA SELATAN

3.1

4

KOTA JAKARTA TIMUR

3.1

4

KOTA JAKARTA PUSAT

3.1

4

KOTA JAKARTA BARAT

3.1

4

KOTA JAKARTA UTARA

3.1

4

102


Provinsi Jawa Barat

Jawa Tengah

Kota/ Kabupaten

Cresta

Zona

KAB. BOGOR

3.3

4

KAB. SUKABUMI

3.3

4

KAB. CIANJUR

3.3

4

KAB. BANDUNG

3.3

4

KAB. GARUT

3.3

4

KAB. TASIKMALAYA

3.3

4

KAB. CIAMIS

3.3

4

KAB. KUNINGAN

3.3

4

KAB. CIREBON

3.3

3

KAB. MAJALENGKA

3.3

4

KAB. SUMEDANG

3.3

3

KAB. INDRAMAYU

3.3

3

KAB. SUBANG

3.3

4

KAB. PURWAKARTA

3.3

4

KAB. KARAWANG

3.3

f

KAB. BEKASI

3.3

4

KAB. BANDUNG BARAT

3.3

4

KOTA BOGOR

3.3

4

KOTA SUKABUMI

3.3

4

KOTA BANDUNG

3.2

4

KOTA CIREBON

3.3

3

KOTA BEKASI

3.3

4

KOTA DEPOK

3.3

4

KOTA CIMAHI

3.3

4

KOTA TASIKMALAYA

3.3

4

KOTA BANJAR

3.3

4

KAB. CILACAP

4.3

4

KAB. BANYUMAS

4.3

3

KAB. PURBALINGGA

4.3

3

KAB. BANJARNEGARA

4.3

4

KAB. KEBUMEN

4.3

4

KAB. PURWOREJO

4.3

4

KAB. WONOSOBO

4.3

4

KAB. MAGELANG

4.3

4

KAB. BOYOLALI

4.3

3

KAB. KLATEN

4.3

4

KAB. SUKOHARJO

4.3

4

KAB. WONOGIRI

4.3

4

KAB. KARANGANYAR

4.3

3

KAB. SRAGEN

4.3

3

KAB. GROBOGAN

4.3

3

KAB. BLORA

4.3

3

KAB. REMBANG

4.3

3

KAB. PATI

4.3

3

KAB. KUDUS

4.3

3

KAB. JEPARA

4.3

3

KAB. DEMAK

4.3

3

KAB. SEMARANG

4.3

3

KAB. TEMANGGUNG

4.3

3

KAB. KENDAL

4.3

3

KAB. BATANG

4.3

3

103


Provinsi Jawa Tengah

Daerah Istimewa Yogyakarta

Jawa Timur

Cresta

Zona

KAB. PEKALONGAN

Kota/ Kabupaten

4.3

3

KAB. PEMALANG

4.3

3

KAB. TEGAL

4.3

4

KAB. BREBES

4.3

3

KOTA MAGELANG

4.3

3

KOTA SURAKARTA

4.3

3

KOTA SALATIGA

4.3

3

KOTA SEMARANG

4.1

3

KOTA PEKALONGAN

4.3

3

KOTA TEGAL

4.3

3

KAB. KULON PROGO

4.3

4

KAB. BANTUL

4.3

4

KAB. GUNUNG KIDUL

4.3

4

KAB. SLEMAN

4.3

4

KOTA YOGYAKARTA

4.2

4

KAB. PACITAN

5.2

4

KAB. PONOROGO

5.2

4

KAB. TRENGGALEK

5.2

4

KAB. TULUNGAGUNG

5.2

4

KAB. BLITAR

5.2

4

KAB. KEDIRI

5.2

4

KAB. MALANG

5.2

4

KAB. LUMAJANG

5.2

4

KAB. JEMBER

5.2

3

KAB. BANYUWANGI

5.2

4

KAB. BONDOWOSO

5.2

3

KAB. SITUBONDO

5.2

3

KAB. PROBOLINGGO

5.2

3

KAB. PASURUAN

5.2

3

KAB. SIDOARJO

5.2

3

KAB. MOJOKERTO

5.2

3

KAB. JOMBANG

5.2

3

KAB. NGANJUK

5.2

3

KAB. MADIUN

5.2

3

KAB. MAGETAN

5.2

3

KAB. NGAWI

5.2

3

KAB. BOJONEGORO

5.2

3

KAB. TUBAN

5.2

3

KAB. LAMONGAN

5.2

3

KAB. GRESIK

5.2

3

KAB. BANGKALAN

5.2

3

KAB. SAMPANG

5.2

3

KAB. PAMEKASAN

5.2

3

KAB. SUMENEP

5.2

3

KOTA KEDIRI

5.2

4

KOTA BLITAR

5.2

4

KOTA MALANG

5.2

4

KOTA PROBOLINGGO

5.2

3

KOTA PASURUAN

5.2

3

KOTA MOJOKERTO

5.2

3

KOTA MADIUN

5.2

3

KOTA SURABAYA

5.1

3

KOTA BATU

5.2

4

104


Provinsi Bali

Nusa Tenggara Barat

Nusa Tenggara Timur

Kalimantan Barat

Cresta

Zona

KAB. JEMBRANA

Kota/ Kabupaten

8

4

KAB. TABANAN

8

4

KAB. BADUNG

8

4

KAB. GIANYAR

8

4

KAB. KLUNGKUNG

8

4

KAB. BANGLI

8

4

KAB. KARANGASEM

8

5

KAB. BULELENG

8

4

KOTA DENPASAR

8

4

KAB. LOMBOK BARAT

8

5

KAB. LOMBOK TENGAH

8

4

KAB. LOMBOK TIMUR

8

4

KAB. SUMBAWA

8

4

KAB. DOMPU

8

5

KAB. BIMA

8

4

KAB. SUMBAWA BARAT

8

4

KOTA MATARAM

8

5

KOTA BIMA

8

4

KAB. SUMBA BARAT

8

5

KAB. SUMBA TIMUR

8

4

KAB. KUPANG

8

4

KAB. TIMOR TENGAH SELATAN

8

5

KAB. TIMOR TENGAH UTARA

8

5

KAB. BELU

8

5

KAB. ALOR

8

5

KAB. LEMBATA

8

5

KAB. FLORES TIMUR

8

4

KAB. SIKKA

8

4

KAB. ENDE

8

4

KAB. NGADA

8

4

KAB. MANGGARAI

8

4

KAB. ROTE NDAO

8

4

KAB. MANGGARAI BARAT

8

4

KAB. MANGGARAI TIMUR

8

4

KAB. NAGEKEO

8

5

KAB. SUMBA BARAT DAYA

8

5

KAB. SUMBA TENGAH

8

5

KOTA KUPANG

8

4

KAB. SAMBAS

6

1

KAB. BENGKAYANG

6

1

KAB. LANDAK

6

1

KAB. PONTIANAK

6

1

KAB. SANGGAU

6

1

KAB. KETAPANG

6

1

KAB. SINTANG

6

1

KAB. KAPUAS HULU

6

1

KAB. SEKADAU

6

1

KAB. MELAWI

6

1

KAB. KAYONG UTARA

6

1

KAB. KUBU RAYA

6

1

KOTA PONTIANAK

6

1

KOTA SINGKAWANG

6

1

105


Provinsi Kalimantan Tengah

Kalimantan Selatan

Kalimantan Timur

Sulawesi Utara

Cresta

Zona

KAB. KOTAWARINGIN BARAT

Kota/ Kabupaten

6

1

KAB. KOTAWARINGIN TIMUR

6

1

KAB. KAPUAS

6

1

KAB. BARITO SELATAN

6

1

KAB. BARITO UTARA

6

1

KAB. SUKAMARA

6

1

KAB. LAMANDAU

6

1

KAB. SERUYAN

6

1

KAB. KATINGAN

6

1

KAB. PULANG PISAU

6

1

KAB. GUNUNG MAS

6

1

KAB. BARITO TIMUR

6

1

KAB. MURUNG RAYA

6

1

KOTA PALANGKARAYA

6

1

KAB. TANAH LAUT

6

1

KAB. KOTABARU

6

1

KAB. BANJAR

6

1

KAB. BARITO KUALA

6

1

KAB. TAPIN

6

1

KAB. HULU SUNGAI SELATAN

6

1

KAB. HULU SUNGAI TENGAH

6

1

KAB. HULU SUNGAI UTARA

6

1

KAB. TABALONG

6

1

KAB. TANAH BUMBU

6

1

KAB. BALANGAN

6

1

KOTA BANJARMASIN

6

1

KOTA BANJARBARU

6

1

KAB. PASIR

6

1

KAB. KUTAI BARAT

6

1

KAB. KUTAI KARTANEGARA

6

1

KAB. KUTAI TIMUR

6

2

KAB. BERAU

6

3

KAB. MALINAU

6

2

KAB. BULUNGAN

6

3

KAB. NUNUKAN

6

2

KAB. PENAJAM PASER UTARA

6

1

KAB. TANA TIDUNG

6

2

KOTA BALIKPAPAN

6

1

KOTA SAMARINDA

6

1

KOTA TARAKAN

6

2

KOTA BONTANG

6

2

KAB. BOLAANG MONGONDOW

7.2

5

KAB. MINAHASA

7.2

5

KAB. KEPULAUAN SANGIHE

7.2

5

KAB. KEPULAUAN TALAUD

7.2

5

KAB. MINAHASA SELATAN

7.2

5

KAB. MINAHASA UTARA

7.2

5

KAB. BOLAANG MONGONDOW UT

7.2

5

KAB. KEPULAUAN SITARO

7.2

5

KAB. MINAHASA TENGGARA

7.2

5

KOTA MANADO

7.2

5

KOTA BITUNG

7.2

5

KOTA TOMOHON

7.2

5

KOTA KOTAMOBAGU

7.2

5

106


Provinsi Sulawesi Tengah

Sulawesi Selatan

Sulawesi Tenggara

Gorontalo

Kota/ Kabupaten

Cresta

Zona

KAB. BANGGAI KEPULAUAN

7.2

4

KAB. BANGGAI

7.2

5

KAB. MOROWALI

7.2

3

KAB. POSO

7.2

4

KAB. DONGGALA

7.2

4

KAB. TOLI-TOLI

7.2

5

KAB. BUOL

7.2

5

KAB. PARIGI MOUTONG

7.2

5

KAB. TOJO UNA-UNA

7.2

4

KOTA PALU

7.2

4

KAB. SELAYAR

7.2

2

KAB. BULUKUMBA

7.2

2

KAB. BANTAENG

7.2

2

KAB. JENEPONTO

7.2

2

KAB. TAKALAR

7.2

2

KAB. GOWA

7.2

2

KAB. SINJAI

7.2

2

KAB. MAROS

7.2

2

KAB. PANGKAJENE KEPULAUAN

7.2

2

KAB. BARRU

7.2

3

KAB. BONE

7.2

2

KAB. SOPPENG

7.2

3

KAB. WAJO

7.2

3

KAB. SIDENRENG RAPPANG

7.2

3

KAB. PINRANG

7.2

3

KAB. ENREKANG

7.2

3

KAB. LUWU

7.2

3

KAB. TANAH TORAJA

7.2

4

KAB. LUWU UTARA

7.2

3

KAB. LUWU TIMUR

7.2

3

KOTA MAKASSAR

7.1

2

KOTA PARE-PARE

7.2

3

KOTA PALOPO

7.2

3

KAB. BUTON

7.2

3

KAB. MUNA

7.2

3

KAB. KONAWE

7.2

3

KAB. KOLAKA

7.2

3

KAB. KONAWE SELATAN

7.2

3

KAB. BOMBANA

7.2

3

KAB. WAKATOBI

7.2

3

KAB. KOLAKA UTARA

7.2

3

KAB. BUTON UTARA

7.2

4

KAB. KONAWE UTARA

7.2

3

KOTA KENDARI

7.2

4

KOTA BAU-BAU

7.2

3

KAB. BOALEMO

7.2

5

KAB. GORONTALO

7.2

5

KAB. POHUWATO

7.2

5

KAB. BONE BOLANGO

7.2

5

KAB. GORONTALO UTARA

7.2

5

KOTA GORONTALO

7.2

5

107


Provinsi Sulawesi Barat

Maluku

Maluku Utara

Papua Barat

Papua

Kota/ Kabupaten

Cresta

Zona

KAB. MAJENE

7.2

4

KAB. MAMASA

7.2

4

KAB. MAMUJU

7.2

4

KAB. MAMUJU UTARA

7.2

3

KAB. POLEWALI MANDAR

7.2

4

KAB. MALUKU TENGGARA BARAT

8

5

KAB. MALUKU TENGGARA

8

4

KAB. MALUKU TENGAH

8

4

KAB. BURU

8

5

KAB. KEPULAUAN ARU

8

5

KAB. SERAM BAGIAN BARAT

8

4

KAB. SERAM BAGIAN TIMUR

8

5

KOTA AMBON

8

5

KOTA TUAL

8

4

KAB. HALMAHERA BARAT

8

5

KAB. HALMAHERA TENGAH

8

4

KAB. KEPULAUAN SULA

8

5

KAB. HALMAHERA SELATAN

8

5

KAB. HALMAHERA UTARA

8

5

KAB. HALMAHERA TIMUR

8

4

KOTA TERNATE

8

5

KOTA TIDORE

8

5

KAB. FAK-FAK

8

3

KAB. KAIMANA

8

3

KAB. TELUK WANDOMA

8

4

KAB. TELUK BINTUNI

8

4

KAB. MANOKWARI

8

5

KAB. SORONG SELATAN

8

3

KAB. SORONG

8

4

KAB. RAJA AMPAT

8

4

KOTA SORONG

8

3

KAB. MERAUKE

8

1

KAB. JAYAWIJAYA

8

5

KAB. JAYAPURA

8

5

KAB. NABIRE

8

5

KAB. YAPEN WAROPEN

8

4

KAB. BIAK NUMFOR

8

4

KAB. PANIAE

8

4

KAB. PUNCAK JAYA

8

3

KAB. MIMIKA

8

3

KAB. BOVEN DIGOEL

8

2

KAB. MAPPI

8

2

KAB. ASMAT

8

2

KAB. YAHUKIMO

8

5

KAB. PEGUNUNGAN BINTANG

8

4

KAB. TOLIKARA

8

5

KAB. SARMI

8

5

KAB. KEEROM

8

5

KAB. WAROPEN

8

4

KAB. SUPIORI

8

4

KOTA JAYAPURA

8

5

108


2015. PT Reasuransi MAIPARK Indonesia

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