2015

Per 31 Desember 2015

MAIPARK, Statistik, 12/2015

Kata Pengantar Foreword

Dengan Hormat,

Dear Sir / Madam,

Dengan mengucap Puji Syukur Kehadirat Tuhan Yang Maha Esa, buku “Laporan Statistik Asuransi Gempa Bumi Indonesia (LSAGBI) Desember 2015” telah selesai disusun. Penyusunan LSAGBI ini selaras dengan salah satu Visi MAIPARK yaitu menjadi “Center Of Excellence” dan sebagai upaya dalam memberikan pelayanan yang terbaik bagi Industri Asuransi Umum di Indonesia khususnya mengenai statistik serta pengetahuan risiko gempa bumi.

Our gratitude to God Almighty, the “Indonesian Earthquake Insurance Statistic Report as at December 2015” is ready to publish. This report publication is aligned with MAIPARK’s vision, which is to be a "Center of Excellence” and also to provide the best service for the General Insurance Industry in Indonesia, especially statistic and earthquake risks knowledge.

Sebagai salah satu publikasi rutin, LSAGBI ini memuat hasil kajian risiko-risiko gempa bumi terkait data exposure, premi nasional, jumlah risiko dan perkembangan risiko gempa bumi. Di dalam laporan ini kami juga menyajikan ulasan aktuaria dan risiko exposure dari sudut pandang asuransi gempa bumi

As a regular publication, it contains earthquake risks study related to the national Exposure, premium, number of risks and development of the earthquake risks management. We also include actuarial and Exposure risks reviews from earthquake insurance point of view.

Dukungan dari seluruh perusahaan asuransi umum sangat berarti bagi kami dalam upaya pengembangan laporan statistik ini. Kami menyadari kebutuhan penyempurnaan buku ini sangat tinggi sehingga kritik maupun saran sangat kami harapkan.

Support from the General Insurance Industry will be meaningful to us in order to improve this Statistic Report. We realize the need for improvement of this report is very high so that critics and suggestions are appreciate.

Akhir kata, semoga laporan ini dapat menjadi referensi yang berkualitas dan dapat memberikan manfaat tidak hanya bagi perusahaan yang menangani asuransi gempa bumi, namun juga bagi Industri Asuransi Umum di Indonesia. Kami mohon maaf apabila masih ditemukan kesalahan data dan informasi yang disajikan dalam buku ini.

Finally, we hope that this report could be used as a qualified reference and will be beneficial for all general insurance industries in Indonesia. We apologize for any possible data and information errorspresented in this report.

Hormat Kami,

Sincerely,

Yasril Y. Rasyid President Director

“Satu Dekade Pengelolaan Database Nasional Asuransi Gempa Bumi Dalam Mendukung Kemajuan Industri Asuransi” “A Decade of National Database Management of Earthquake Insurance to Support The Insurance Industry”

PT REASURANSI MAIPARK INDONESIA

DESEMBER 2015

DAFTAR ISI CONTENTS Hal.

Page

Kata pengantar…………………………...……i

Content……..……………………………………….i

Daftar Isi……………………………………….iii

Foreword…………………………………………..iii

Iktisar Statistik Asuransi Gempa Bumi Indonesia Desember 2015

Statistic Overview of Indonesian Earthquake Insurance December 2015

A. B. C. D. E. F.

A. B. C. D. E. F.

Umum………………………………………1 Struktur Pasar …………………………….2 Premi Bruto dan Exposure ……………….2 Jumlah Risiko ……………………………..4 Incurred Claim ………………………….....7 Analisis Exposure: Probable Maximum Loss (PML) Industri Asuransi Nasional Kualitas Data Menentukan Kualitas Manajemen Risiko …..…………….....…13 G. Ulasan Aktuaria: Truncation dan Modifikasi pada Nilai Nol………………..21 H. Ulasan Asuransi: Penetrasi Asuransi Gempabumi Indonesia - Peranan Industri Asuransi Melindungi Area Rawan Gempa…………………………………....29

General ………………………………………...1 Market Structure ………………………………2 Gross Premium and Exposure ………………2 Number of Risk ………………………………..4 Incurred Claim …………………………………7 Exposure Analysis: Probable Maximum Loss (PML) of National Insurance Industry - The data quality determines the risk management quality…………………………………………13 G. Actuary Commentary: Truncation and Modification at Zero ……………………......21 H. Insurance Commentary: The penetration of Earthquake insurance in Indonesia - The Role of Insurance Industry in protecting the Earthquake Prone Areas ……………………29 Map

Peta

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 31 Desember 2015 ………………………………34

Indonesian Earthquake Exposure Distribution by Province, Underwriting Year 2015, as at 31 December 2015 ………………………………….34

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015 …………………………35

Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015 ……………………………...35

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 31 Desember 2015, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY 2015…………………………………………....36

Indonesian Earthquake Exposure Distribution by Province, Underwriting Year 2015, per 31 December 2015, Indonesian Earthquake Distribution M > 5 and Claim Incurred UY 2015 …………………………………………………...…36

Indonesian Earthquake Insurance Exposure

Exposure Asuransi Gempa Bumi Indonesia

iii



Tabel 2.1. Exposure Per Cresta Zone ……..37 Tabel 2.2. Exposure Per Okupasi………......39 Tabel 2.3. Exposure Per Interest………........41 Tabel 2.4. Exposure Per Provinsi……………43 Tabel 2.5. Exposure Per Kelas Konstruksi...44

DESEMBER 2015

Table 2.1. Exposure By Cresta Zone ............... 37 Table 2.2. Exposure By Occupation ................. 39 Table 2.3. Exposure By Interest ....................... 41 Table 2.4. Exposure By Province………….........43 Table 2.5. Exposure By Class of Construction..44

Indonesian Earthquake Insurance Gross premium

Premi Bruto Asuransi Gempa Bumi Indonesia

Tabel 3.1. Premi Bruto Per Cresta Zone…….46 Tabel 3.2. Premi Bruto Per Okupasi…………48 Tabel 3.3. Premi Bruto Per Interest……….....50 Tabel 3.4. Premi Bruto Per Provinsi…………………….........................…52 Tabel 3.5. Premi Bruto Per Kelas Konstruksi .................................................................... 53

Table 3.1. Gross Premium by Cresta Zone……46 Table 3.2. Gross Premium by Occupation.........48 Table 3.3. Gross Premium by Interest...............50 Table 3.4. Gross Premium by Province……..…52 Table 3.5. Gross Premium by Class of Construction………………………………………53

Indonesian Earthquake Insurance Number of Risk

Jumlah Risiko Asuransi Gempa Bumi Indonesia

Tabel 4.1. Jumlah Risiko Per Cresta Zone .. 55 Tabel 4.2. Jumlah Risiko Per Okupasi ......... 57 Table 4.3. Jumlah Risiko Per Kelas Konstruksi .................................................................... 59 Table 4.4. Jumlah Risiko Per Provinsi......…61

Table 4.1. Number of Risk By Cresta Zone ..... 55 Table 4.2. Number of Risk By Occupation ...... 57 Table 4.3. Number of Risk By Construction Class ………………………………………….................59 Table 4.4. Number of Risk By Province ......….61

Klaim Asuransi Gempa Bumi Indonesia

Indonesian Earthquake Insurance Claim

Tabel 5.1. Frekuensi Klaim Per Cresta Zone.62 Tabel 5.2. Frekuensi Klaim Per Okupasi……64 Tabel 5.3. Frekuensi Klaim Per Provinsi……66 Tabel 5.4. Klaim Per Cresta Zone……………67 Tabel 5.5. Klaim Per Okupasi………………..69 Tabel 5.6. Klaim Per Provinsi………………..71

Table 5.1. Claim Frequency By Cresta Zone…..62 Table 5.2. Claim Frequency By Occupation……64 Table 5.3. Claim Frequency By Province………66 Table 5.4. Claim By Cresta Zone……………….67 Table 5.5. Claim By Occupation………………...69 Table 5.6. Claim By Province…………………..71 Risk and Claim Profile

Profil Risiko dan Klaim

Underwriting Year 2011 - 2015, Seluruh Okupasi ……………………………………….72 Underwriting Year 2015, Seluruh Okupasi …73

Underwriting Year 2011 - 2015, All Occupation………………………………………..72 Underwriting Year 2015, All Occupation ……….73

iv



DESEMBER 2015

Underwriting Year 2014, Seluruh Okupasi …74 Underwriting Year 2013, Seluruh Okupasi …75 Underwriting Year 2012, Seluruh Okupasi …76 Underwriting Year 2011, Seluruh Okupasi …77

Underwriting Year 2014, All Occupation ……….74 Underwriting Year 2013, All Occupation ……….75 Underwriting Year 2012, All Occupation ………76 Underwriting Year 2011, All Occupation ……….77

Profil Risiko dan Klaim Underwriting Year Per Okupasi 2015

Risk and Profile Claim Underwriting Year 2015 By Occupation

Okupasi Agrikultural………………………….78 Okupasi Komersial …………………………..79 Okupasi Industrial ……………………………80 Okupasi Residensial …………………………81

Occupation Agricultural………………………….78 Occupation Commercial ………………………...79 Occupation Industrial ……………………………80 Occupation Residential ………………………….81




Occupation Agricultural ………………………….82 Occupation Commercial ………………………...83 Occupation Industrial ……………………………84 Occupation Residential ………………………….85







Okupasi Agrikultural………………………….90 Okupasi Komersial …………………………..91 Okupasi Industrial ……………………………92 Okupasi Residensial ……………….………..93

Occupation Agricultural ………………………….90 Occupation Commercial ………………………...91 Occupation Industrial ……………………………92 Occupation Residential …………………………93



v



DESEMBER 2015

Okupasi Agrikultural………………………….94 Okupasi Komersial………………………......95 Okupasi Industrial…………………………….96 Okupasi Residensial..…………………….....97


Exposure, Premi Bruto, Jumlah Risko dan Klaim Asuransi Gempa Bumi Indonesia Per Cresta Zone

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2015……………………………………………98 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2014……………………………………………99 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2013…………………………………………..100 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2012…………………………………………..101 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2011…………………………………………..102

Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risk and Claim By Cresta Zone

Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2015………………………………………………..98 Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2014……………………………………………......99 Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2013……………………………………………....100 Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2012………………………………………………101 Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2011………………………………………………102

Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risk and Claim By Occupation

Exposure, Premi Bruto, Jumlah Risko dan Klaim Asuransi Gempa Bumi Indonesia Per Okupasi

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2015…………………………………………..103 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2014…………………………………………..104 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2013…………………………………………..105 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2012…………………………………………..106

Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2015………………………………………………103 Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2014………………………………………………104 Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2013………………………………………………105 Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2012………………………………………………106

vi



Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2011…………………………………………..107

DESEMBER 2015

Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2011………………………………………………107

Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risk and Claim By Province

Exposure, Premi Bruto, Jumlah Risko dan Klaim Asuransi Gempa Bumi Indonesia Per Provinsi

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2015…….. 108 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2014……...109 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2013……...110 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2015……………………………………………..108 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2014………...109 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2013………...110 Exposure, Premi Bruto, Jumlah Risiko & Klaim

2012……………………………………………111

per Provinsi, Underwriting Year

Exposure, Premi Bruto, Jumlah Risiko & Klaim

2012……………………………………………..111

per Provinsi, Underwriting Year

Exposure, Premi Bruto, Jumlah Risiko & Klaim

2011……………………………………………112

per Provinsi, Underwriting Year 2011……………………………………………..112

Lampiran 1. Daftar Istilah…….………………………………113 2.Tarif asuransi Gempa Bumi Indonesia …….……….……….............................................115 3. Zona Asuransi Gempa Bumi Indonesia………116 4. Cresta Zone Indonesia…………………………129 5. Skala First Loss…………………………………136 6. Tabel Short Periode kurang dari 1 tahun…..………………………..…………………..137 7. Skala Indemnity Period………………………...138

Attachment 1.Glossaries……………………………………..…..113 2. Indonesian Earthquake Insurance Tariff…………………………………………………..115 3. Cresta Zone and Zone Table……………………116 4. Indonesia Cresta Zone ………………………….129 5. First Loss Scale …..………………………………136 6. Short Period Table Less Than One Year Period…………………………………………………137 7. Indemnity Period Scale………………………..…138

Referensi 1. Otoritas Jasa Keuangan (OJK). 2. Badan Pusat Statistik (BPS).

Reference 1. Financial Service Authority (OJK). 2. Central of Statistic Bureau (BPS).

vii



DESEMBER 2015

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

*) Statistic report is available on PT Reasuransi MAIPARK Indonesia website www.maipark.com

viii



DESEMBER 2015

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Desember 2015 Statistic Overview of Indonesia Earthquake Insurance December 2015 A. Umum

A. General

Berdasarkan

Pusat

Based on Central of Statistics Bureau

Statistik, Perekonomian Indonesia pada tahun

Data, Indonesian economic in 2015 as

2015 sebagaimana diukur dari Produk Domestik

measured by Gross Domestic Product (GDP)

Bruto

4,79%

increased by 4.79 % compared to 2014. GDP

dibandingkan tahun 2014. Nilai PDB Indonesia

based on Constant Price 2010 in 2015 reached

atas dasar harga konstan 2010 pada tahun 2015

the amount of Rp8,976.9 trillion while in 2014

mencapai Rp8.976,9 triliun sedangkan pada

was Rp8,566.3 trillion. If it is based on Current

tahun 2014 sebesar Rp8.566,3 triliun. Bila dilihat

Market Price, GDP in 2015 was Rp11,540.9

berdasarkan harga berlaku, PDB tahun 2015

trillion while in 2014 was Rp10,565.8 trillion.

(PDB),

data

tumbuh

Badan

sebesar

adalah sebesar Rp11.540,8 triliun sedangkan tahun 2014 adalah Rp10.565,8 triliun. Sampai dengan kuartal ke empat tahun

Until fourth quarter of 2015, according

2015, sesuai data Asosiasi Asuransi Umum

to the General Insurance Indonesia Asociation

Indonesia (AAUI), pencapaian Premi Brutto

(AAUI) data, General Insurance gross premium

untuk seluruh lini usaha Asuransi Umum adalah

achievement for all business line was

sebesar Rp58.888,28 miliar. Sedangkan Premi

Rp58,888.28 billion. Whereas gross premium

Brutto khusus untuk Lini Usaha Harta Benda

especially for property business line was

mencapai Rp17.673,93 miliar. Pertumbuhan

Rp17,673.93 billion. The Gross Premium

Premi Brutto lini usaha Harta Benda kuartal ke

growth for property business line in third quarter

tiga tahun 2015 dibandingkan dengan kuartal

2015 to third quarter 2014 was 6.7%, whereas

ketiga tahun 2014 adalah sebesar 6,7%,

the claims growth by 22.2%.

sedangkan pertumbuhan klaimnya sebesar 22,2%. Sesuai Surat Edaran Otoritas Jasa

In accordance to Financial Services

Keuangan (OJK) Nomor 21/SEOJK.05/2015,

Authority

tanggal 30 Juni 2015, menetapkan zona dan tarif

21/SEOJK.05/2015, 30 June 2015, there are

asuransi gempa bumi Indonesia, revisi dari

some changes in earthquake rate zone for

regulasi

regency related to the previous circular letter

sebelumnya

(SE

OJK

No.

06/D.05/2013, tanggal 31 Desember 2013).

(OJK)

Circular

Letter

No

(No. 06/D.05/2013, 31 December 2013).

1



DESEMBER 2015

Pada SE OJK 2015 (terbaru), sebanyak

According to SE OJK on 2015 (the latest),

134 Daerah Tingkat II (Kota/Kabupaten)

134 regency (City/District) have increased the

mengalami peningkatan risiko dan berpindah

risk and shifts the level up compared to the

naik ke level zona di atasnya dibandingkan

previous zone in the SE OJK 2013. While other

dengan SE OJK 2013. Sedangkan 104 Daerah

104 regency have change the rate zone (drop).

Tingkat II lainnya mengalami penurunan.

Premium rate have drops in the range 4%-21%

Sedangkan tarif mengalami penurunan pada

for Zona I-IV while constant or no change in

Zona I – IV dalam kisaran 4%-21% sedangkan

zona V.

tarif pada Zona V tidak ada perubahan (Lampiran xx). Selama

tahun

2015,

OJK

telah

During

2015,

OJK

has

issued

menerbitkan regulasi terkait Gempa Bumi yaitu:

regulations related to Earthquake i.e.: Financial

Surat Edaran Otoritas Jasa Keuangan Nomor

Service Authority Service Circular Letter No

21/SEOJK.05/2015, tentang Penetapan Tarif

21/SEOJK.05/2015, about Premium tarrif

Premi Atau Kontribusi Pada Lini Usaha

arrangement or Property lines of business

Asuransi

contribution and Motor Vehicle Insurance

Harta

Benda

Dan

Asuransi

Kendaraan Bermotor Tahun 2015, tanggal 30

2015, date June 30 2015.

Juni 2015. B. Struktur Pasar

B. Market Structure

Berdasarkan data OJK pada buku Direktori

Based on OJK data in the book of

2015: Industri Keuangan Non Bank, terdapat 76

Directory 2015: Non Bank Financial Institution,

perusahaan asuransi umum, 6 perusahaan

there are 76 general insurance companies, 6

reasuransi, 2 asuransi sosial, dan 3 perusahaan

reinsurance companies, 2 social insurance

asuransi wajib yang memiliki izin beroperasi di

companies, and 3 mandatory insurance

Indonesia.

companies having operating licenses in Indonesia.

C. Premi Bruto

C. Gross Premium

Sampai dengan 31 Desember 2015,

As at 30 June 2015, earthquake gross

premi bruto asuransi gempa bumi Underwriting

premium for Underwriting Year 2011 was

Year 2011 adalah sebesar Rp2.823,4 miliar.

Rp2,823.4

Premi bruto untuk Underwriting Year 2012

Underwriting

2

billion. Year

Gross 2012

premium was

for

recorded



DESEMBER 2015

tercatat Rp2.719,6 miliar, sedangkan untuk

Rp2,719.6 billion, while for Underwriting Year

Underwriting Year 2013 adalah Rp4.530,3 miliar.

2013 was Rp4,530.3 billion. For Underwriting

Untuk Underwriting Year 2014 dan 2015 adalah

Year 2014 and 2015 were Rp5,004.5 billion and

Rp5.004,5 miliar dan Rp2.634,9 miliar. Angka –

Rp2,634.9 billion. These figures would certainly

angka ini akan terus bergerak naik terutama

increase especially for Underwriting Year 2014

untuk Underwriting Year 2014 dan 2015.

and 2015.

Tabel 1.1 menyajikan rincian premi bruto

The table 1.1 shows the details of gross

berdasarkan jenis okupasi dari Underwriting

premium

based

on

occupation

from

Year 2011 hingga Underwriting Year 2015.

Underwriting Year 2011 to Underwriting Year

Prosentase okupasi Industrial selalu berada

2015. Industrial occupation always has the

pada posisi pendapatan tertinggi dibanding 3

biggest percentage income compared to 3

(tiga) okupasi lainnya (Agrikultural, Komersial,

(three) remaining occupations (Agricultural,

Residensial), yaitu di atas 48% dari total premi.

Commercial, Residential), that is above 48 % 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 Residensial pada

under Residential occupation in Underwriting

Underwriting Year 2014 yang meningkat

Year 2014 increased by 35.21% from

sebesar 35,21% dari Rp473.260,42 juta di

Rp473,260.42 million in Underwriting Year 2013

Underwriting Year 2013 menjadi Rp639.897,49

to Rp639,897.49 million. The most affected

juta. Faktor yang paling mempengaruhi angka

factor to number of risks is due to the significant

tersebut adalah kenaikan yang signifikan di

increasing in the Central Java and East Java

Provinsi Jawa Tengah dan Jawa Timur,

province, especially in Disctrict of Semarang

terutama Kabupaten Semarang dan Kota

and City of Surabaya.

Surabaya. Kenaikan ini di duga diakibatkan oleh

This increase was suspected due to Kelud

peletusan Gunung Kelud pada 13 Februari 2014

eruption at 13 February 2014 in East Java

di daerah Jawa Timur dimana abu hasil

Province area where the volcanic ash spread to

peletusan menyebar hingga ke Kota/ Kabupaten

city/district in Central Java and East Java.

di Jawa Tengah dan Jawa Timur (Ulasan

(Insurance Commentary: The penetration of

3



DESEMBER 2015

Asuransi: Penetrasi Asuransi Gempabumi

Earthquake insurance in Indonesia - The Role

Indonesia

of Insurance Industry in protecting the

-

Peranan

Industri

Asuransi

Melindungi Area Rawan Gempa).

Earthquake Prone Areas)

Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 31 Desember 2015 Table 1.1 Gross Premium and Ratio By Occupation as at 31 December 2015 Dalam Jutaan Rupiah In Million Rupiah

Underwriting Year Agrikultural / Agricultural

Okupasi / Occupation Total Komersial / Commercial

Industri / Industrial

Residensial / Residential

2011

23,897.32

0.85%

758,198.68

26.85%

1,698,851.22

60.17%

342,408.99

12.13%

2,823,356.20

2012

29,419.23

1.08%

657,724.46

24.18%

1,685,920.05

61.99%

346,546.10

12.74%

2,719,609.85

2013

35,250.82

0.78%

1,812,094.73

40.00%

2,209,696.18

48.78%

473,260.42

10.45%

4,530,302.15

2014

27,772.33

0.55%

1,084,871.60

21.68%

3,251,978.32

64.98%

639,897.49

12.79%

5,004,519.74

2015

15,344.91

0.58%

821,489.76

31.18%

1,440,561.41

54.67%

357,455.12

13.57%

2,634,851.21

T OT AL

131,684.61

5,134,379.23

10,287,007.19

D. Jumlah Risiko

2,159,568.13

17,712,639.15

D. Number of Risk

Tabel 1.2 menyajikan jumlah risiko pada

Table 1.2 shows the number of risks from

Underwriting Year 2011 hingga Underwriting

Underwriting Year 2011 to Underwriting Year

Year 2015 yang tercatat sampai dengan 31

2015 recorded until 31 December 2015.

Desember 2015. Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 31 Desember 2015 Table 1.2 Number of Risk By Occupation as at 31 December 2015 Okupasi

U/Y 2011

Occupation

Jumlah / Total

U/Y 2012 %

Jumlah / Total

U/Y 2013 %

Jumlah / Total

U/Y 2014 %

Jumlah / Total

U/Y 2015 %

Jumlah / Total

%

Agricultural / Agricultural

A

379

0.23

420

0.24

535

0.28

487

0.22

172

0.12

Komersial / Commercial

C

91,426

55.10

94,471

54.52

100,579

53.17

116,563

51.89

70,863

49.12

Industrial / Industrial

I

14,997

9.04

17,184

9.92

18,427

9.74

18,513

8.24

11,185

7.75


R

Jumlah / Total

59,138

35.64

61,199

35.32

69,631

36.81

89,058

39.65

62,040

43.01

165,940

100.00

173,274

100.00

189,172

100.00

224,621

100.00

144,260

100.00

4



DESEMBER 2015

Number of Risk By Occupation As at 31 Dec 2015

Industrial

Agricultural 20000

600.00

18000 500.00

16000 14000

400.00

12000 10000

300.00

8000 200.00

6000 4000

100.00

2000

0

UY 2011

UY 2012

UY 2013

UY 2014

UY 2011

UY 2015

UY 2012

UY 2013

UY 2014

UY 2015

Residential

Commercial 100000

140,000.00

90000

120,000.00

80000

70000

100,000.00

60000

80,000.00

50000

60,000.00

40000

40,000.00

30000 20000

20,000.00

10000

0

UY 2011

UY 2012

UY 2013

UY 2014

UY 2011

UY 2015

UY 2012

UY 2013

UY 2014

UY 2015

Jumlah risiko terbesar untuk setiap

The highest number of risks for each

Underwriting Year, dalam hal ini dari

Underwriting Year, in this case from Underwriting

Underwriting Year 2011 sampai dengan

Year 2011 to Underwriting Year 2015, is under

Underwriting Year 2015 ada pada okupasi

Commercial occupation, which is always on the

Komersial, yaitu selalu berada pada rasio di

ratio above 49% from the total risk. Then, it is

atas 49% dari total risiko. Kemudian diikuti

followed by Residential occupation with ratio

oleh okupasi Residensial dengan rasio di atas

above 35%.

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 then

tentu asosiasi tersebut berbentuk linear dan

the association is not necessarily linear nor

positif. Hal ini dibuktikan dengan apabila

positive. This is proved which the highest gross

5



DESEMBER 2015

melihat dari premi bruto tertinggi berada di

premium is on the industrial occupation while the

okupasi industrial sedangkan banyak risiko

highest total risk is under commercial occupation.

tertinggi berada pada okupasi komersial. Berdasarkan data okupasi, 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 31 Desember 2015 The Highest Number Of Risk in Commercial Occupation as at 31 December 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 15,976

27,917 0

16,792 0

29371

12,800

13,061

14,346

0

0

293941

1

2

3

0

0

34,959

36,061

30,325

27,917

16,792

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

Okupasi Residensial terdiri dari beberapa kode

okupasi.

Jumlah

risiko

Residential occupation consist of several

terbesar

occupation codes. The highest number of risks by

berdasarkan kode okupasi di Underwriting

occupation code in Underwriting Year 2011 –

Year 2011 – 2015 adalah sebagai berikut:

2015 are as follows:

Jumlah Risiko Terbesar pada Okupasi Residensial Berdasarkan Kode Okupasi per 31 Desember 2015 The Highest Number Of Risk in Residential Occupation as at 31 December 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

35,956

35,388

34,149

48,291

37,268

35,956

35,388

34,149

48,291

37,268

Dwelling Houses, not classified as Shop-Houses (Ruko), not exceeding 3 storeys. Jumlah / Total

2976

6



DESEMBER 2015

E. Incurred Claim

E. Incurred Claim

Berdasarkan tabel 1.3, frekuensi klaim

Based on table 1.3, the highest earthquake

gempa bumi paling banyak terjadi di

claim frequency occurred in Underwriting Year

Underwriting Year 2011 yaitu sebanyak 89

2011 was 89 claims and it dominated by

klaim dan didominasi okupasi Komersial

Commercial occupation of 64 claims. It was

sebanyak 64 klaim. Hal ini disebabkan oleh

caused by Earthquakes in 2011 namely Nusa Dua

kejadian gempa bumi di 2011 yaitu Gempa

Earthquake on 13 October 2011 with a magnitude

Bumi Nusa Dua pada tanggal 13 Oktober 2011

of 6.8 S.R and Sibolga Earthquake on 6

dengan kekuatan 6,8 S.R dan Gempa Bumi

November 2011 with a magnitude of 6.7 S.R.

Sibolga pada tanggal 6 November 2011 dengan kekuatan 6,7 S.R. Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 31 Desember 2015 Table 1.3 Claim Frequency By Occupation as at 31 December 2015 Okupasi

Underwriting Year

Occupation

2011

2012

2013

2014

2015

Agrikultural / Agricultural

A

0

0

0

0

0


C

64

15

47

10

14


I

0

0

5

1

0


R

25

1

7

3

7

89

16

59

14

21

Jumlah / Total

Berdasarkan Tabel 1.4 dan grafik terlihat

Based on table 1.4 and graph below it can be

bahwa untuk frekuensi klaim tinggi berada

seen that the high frequency claims lies in

pada Total Incurred Claim yang relatife kecil,

relatively small Total Claim Incurred, while low

sedangkan untuk frekuensi klaim kecil berada

frequency claims lies in relatively big Total Claim

pada Total Incurred Claim yang relative besar.

Incurred.

7



DESEMBER 2015

Tabel 1.4 Frekuensi Incurred Claim Underwriting Year 2015 Per 31 Desember 2015 Table 1.4 Frequency Incurred Claim Underwriting Year 2015 as at 31 December 2015 *) Dalam Rupiah *) In IDR

Incurred Claim (BAND) *)

Frekuensi

Claim Incurred (BAND)*)

Frequency

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 Jumlah / Total

Jumlah Incurred Claim Rata-rata Incurred Claim Incurred Claim Tertinggi Inccured Claim Terendah Total Claim Incurred

5 7 2 4 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 21

Average Claim Incurred

74,368,250 501,550,003 362,500,000 1,101,924,000 500,000,000 646,262,500 0 1,100,000,000 0 0 0 0 0 0 0 0 0 0 0 0 4,286,604,753

Highest Claim Incurred

14,873,650 71,650,000 181,250,000 275,481,000 500,000,000 646,262,500 0 1,100,000,000 0 0 0 0 0 0 0 0 0 0 0 0

Lowest Claim Incurred

30,000,000 100,000,000 187,500,000 300,000,000 500,000,000 646,262,500 0 1,100,000,000 0 0 0 0 0 0 0 0 0 0 0 0

5,000,000 50,000,001 175,000,000 237,500,000 500,000,000 646,262,500 0 1,100,000,000 0 0 0 0 0 0 0 0 0 0 0 0

16 17 18 19 20

FREQUENCY INCURRED CLAIM UY 2015 as at 31 Desember 2015

10 9 8 7 7

Frequency

6 5

5 4

4

Frekuensi Frequency

3 2 2 1

1

1

1 0

0 0 50 0

100 50

200 100

300 200

500 300

750 500

1,000 750

1,500 1,000

2,000 1,500

0

0

0

0

2,500 2,000

3,000 2,500

4,000 3,000

5,000 4,000

0 7,500 5,000

0 0 10,000 7,500

20,000 10,000

0 50,000 20,000

0

0 100,000 500,000 50,000 100,000

0 up 500,000

Incurred Claim (Band) in million IDR

8



DESEMBER 2015

Dengan melihat tabel 1.5 tampak bahwa jumlah

klaim

terbesar

berada

Looking at table 1.5 below, it shows that the

pada

largest claim is in the Underwriting Year 2013. The

Underwriting Year 2013. Klaim yang terbesar

largest claim is under Commercial occupation that

adalah pada okupasi Komersial, yaitu 99.66%

is 99.66% of the total claim in Underwriting Year

dari total klaim di Underwriting Year 2013 atau

2013 or Rp286.9 billion.

sebesar Rp286,9 miliar. Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 31 Desember 2015 Dalam Rupiah

Table 1.5 Claim Amount By Occupation as at 31 December 2015

In IDR

Underwriting Year Okupasi / Occupation

2011

2012

Jumlah / Total

%

2013

Jumlah / Total

%

2014

Jumlah / Total

%

Jumlah / Total

2015 %

Jumlah / Total

%

Agrikultural / Agricultural

A

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


C

9,686,155,241.29

97.20

1,877,689,515.05

98.51

286,901,665,720.40

99.66

624,550,950.05

66.80

3,378,130,752.00

0.00


I

0.00

0.00

0.00

0.00

890,057,888.00

0.31

200,000,000.00

21.39

0.00

0.00


R

279,190,155.04

2.80

28,314,000.00

1.49

89,882,464.00

0.03

110,464,625.00

11.81

858,474,000.00

0.00

9,965,345,396.33

100.00

1,906,003,515.05

100.00

287,881,606,072.40

100.00

935,015,575.05

100.00

4,236,604,752.00

0.00

Jumlah / Total

Table 1.6 shows earthquake events occurred in 2015 and the corresponding incurred claims as at 31 December 2015.

Tabel 1.6 menyajikan kejadian Gempa Bumi Tahun 2015 dan Incurred Claim sampai dengan 31 Desember 2015.

Tabel 1.6 Kejadian Gempa Bumi Tahun 2015 dan Klaim per 31 Desember 2015 Table 1.6 Earthquak e Event in 2015 and Claim as at 31 December 2015 Dalam Rupiah In IDR

Kejadian Event

Tanggal Kejadian Date of Loss

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

Manado

19-Mar-15

5.2 SR

15,832,300.00

Sorong

24-Sep-15

6.8 SR

3,283,842,788.00

Pandeglang

4-Nov-15

5.2 SR

1,100,000,000.00

9

Klaim Claim



DESEMBER 2015

Gambar 3. Peta Intensitas dan ShakeMap Gempa Manado dan Sorong setelah kejadian (sumber peta intensitas: http://www.earthquake.usgs.gov). Picture 3. Intensity Map and ShakeMap Manado and Sorong Earthquake after event (intensity map sources: http://www.earthquake.usgs.gov).

10



DESEMBER 2015

Tabel 1.7 menyajikan klaim untuk event Manado, Sorong, Pandeglang perjenis okupasi.

Table 1.7 shows Manado, Pandeglang event by occupation.

Sorong,

Tabel 1.7 Kejadian Gempa Bumi Tahun 2015 dan Klaim per Okupasi per 31 Desember 2015 Table 1.7 Earthquake Event in 2015 and Claim per Occupation as at 31 December 2015 Okupasi Occupation Frekuensi / Frequency Tanggal Kejadian Date of Loss Agrikultural / Komersial / Industrial /

Kejadian Event

Agricultural

Commercial

Industrial

Jumlah (Dalam Rupiah) / Amount (In IDR) Residensial / Agrikultural / Residential Agricultural


Industrial /

Residensial /

Industrial

Residential

Manado

19-Mar-15

0

1

0

0

0.00

15,832,300.00

0.00

0.00

Sorong

24-Sep-15

0

10

1

7

0.00

2,175,368,788.00

200,000,000.00

908,474,000.00

Pandeglang

4-Nov-15

0

1

0

0

0.00

1,100,000,000.00

0.00

0.00

Tabel di bawah ini adalah daftar klaim terbesar sampai dengan tanggal 31 Desember 2015.

The table below is a list of the largest claims as at 31 December 2015.

Daftar Klaim - Klaim Terbesar Posisi 31 Desember 2015 List of The Largest Claims as at 31 December 2015 Dalam Rupiah In IDR

No.

Kejadian Event

Tanggal Kejadian Date of Loss 26-12-2004

Kekuatan Gempa (S.R) Magnitude (S.R) 9

Klaim Claim 754,824,800,884.61

1

ACEH

2

YOGYA

27-05-2006

5.9

289,242,751,716.49

3

PADANG

06-03-2007

5.8

22,480,129,238.99

4

BENGKULU

12-09-2007

7.9

48,986,738,634.52

5

PADANG

16-08-2009

6.9

42,782,942,555.00

6

TASIKMALAYA

02-09-2009

7.3

24,310,815,987.24

7

PARIAMAN

30-09-2009

7.6

1,083,832,055,213.85

8

BIMA

09-11-2009

6.7

43,046,593,135.48

9

MERAPI

25-10-2010

*)

27,499,741,856.40

10

KELUD

13-02-2014

*)

247,196,101,790.94

*) Penyeba b terka i t l etus a n gunung bera pi *) Caused by volcanic eruption

Tabel 1.8 menyajikan data jumlah polis dan

Table 1.8 shows number of policies, and

loss ratio per 31 Desember 2015. Tabel tersebut

loss ratio as at 31 December 2015. The table

menunjukkan bahwa loss ratio tertinggi berada

show that the biggest loss ratio was at

pada Underwriting Year 2013 sebesar 6.35%. Hal

Underwriting Year 2013 i.e. 6.35%. It was

11



DESEMBER 2015

ini dipengaruhi oleh nilai klaim yang cukup tinggi

influenced by large amount of claim that

yang mayoritas disebabkan dari Erupsi Gunung

majority resulting from Kelud Eruption in

Kelud tahun 2014.

2014.

Tabel 1.8 Jumlah Polis dan Loss Ratio per 31 Desember 2015 Table 1.8 Number of Policies and Loss Ratio as at 31 December 2015 Underwriting

Jumlah Polis

Premi *)

Frekwensi Klaim

Jumlah Klaim *)

Year

Number of Policies

Premium *)

Claim Frequency

Incurred Claim *)

Loss Ratio

2011

165,940

2,823,356,200,046.76

89

9,965,345,396.33

0.35%

2012

173,274

2,719,609,848,391.34

16

1,906,003,515.05

0.07%

2013

189,172

4,530,302,148,356.92

59

287,881,606,072.40

6.35%

2014

224,621

5,004,519,735,884.30

14

935,015,575.05

0.02%

2015

144,260

2,634,851,214,057.95

21

4,236,604,752.00

0.16%

Keterangan : *) Dalam Rupiah *) In IDR

Tabel 1.9 menyajikan Premi dan Exposure per 31 Desember 2015.

Table 1.9 shows Premium and Exposure as at 31 December 2015.

Tabel 1.9 Premi dan Exposure per 31 Desember 2015 Table 1.9 Premium and Exposure as at 31 December 2015 Dalam Jutaan Rupiah In Million IDR

Premi

Exposure

Premium

Exposure

2011

2,823,356.20

2,155,987,725.64

2012

2,719,609.85

1,973,099,552.16

2013

4,530,302.15

2,758,609,333.16

2014

5,004,519.74

3,129,630,708.62

2015

2,634,851.21

1,822,722,407.25

T OT AL

17,712,639.15

11,840,049,726.83

Underwriting Year

12



DESEMBER 2015

Analisis Exposure/ Exposure Analysis

Probable Maximum Loss (PML) Industri Asuransi Nasional Kualitas Data Menentukan Kualitas Manajemen Risiko Probable Maximum Loss (PML) of National Insurance Industry The data quality determines the risk management quality

Sejarah Catastrophe Model

The History of Catastrophe Model

Catastrophe model telah digunakan

Catastrophe model has been used intensively in

secara intensif di industri asuransi dan

insurance and reinsurance industry over the last

reasuransi pada satu dekade terakhir untuk

decade to calculate the loss expectation from

melakukan penghitungan ekspektasi kerugian

catastrophe events. Prior the existence of

asuransi pada suatu kejadian bencana alam.

catastrophe model, insurance industry made

Sebelum adanya catastrophe model, industri

estimation of the probable loss of total sum

asuransi sudah melakukan estimasi atas

insured in a region when the catastrophe event

kemungkinan kerugian dari total sum insured

struck. The estimation was made by experience

di suatu area yang dapat terjadi karena suatu

and knowledge from historical earthquake event

kejadian gempa. Estimasi ini biasanya

or occasionally by subjective judgement. Yet, it

berdasarkan pengetahuan dan pengalaman

surely can’t give the best figures of probable loss.

atas

kejadian

gempa

atau

terkadang

berdasarkan judgement subjektif. Namun demikian, estimasi dengan cara-cara tersebut tentu saja tidak dapat memberikan angka kemungkinan kerugian yang baik. Secara

penerapan

Globally, early implementation of catastrophe

catastrophe model di industri asuransi dimulai

model in insurance industry starts at late 1980s. It

pada akhir 1980an. Implementasi diawali di

begins in United States which directly test by

industri asuransi Amerika Serikat yang pada

Hurricane Hugo at 21 September 1989 in South

saat

“dikalibrasi” dengan

Carolina and followed by Loma Prieta earthquake

terjadinya Badai Hugo pada 21 September

in San Francisco at 17 October 1989. Until now,

1989 di South Carolina dan Kejadian Gempa

catastrophe model continue to evolve and

Loma Prieta, San Fransisco pada 17 Oktober

improve.

itu

global,

langsung

awal

1989. Sampai dengan saat ini, catastrophe

13



DESEMBER 2015

model terus berkembang dan terus mengalami peningkatan.

Perkembangan yang paling signifikan adalah

Most significant developments are the level of

tingkat

dengan

computer used with high computing capabilities

kemampuan komputasi yang tinggi dan

and the use of Geographic Information System

penggunaan

(GIS)

penggunaan

komputer

platform

sistem

informasi

geografis (SIG) yang juga sangat membantu

which

very

helpful

in

portfolio

disaggregation.

dalam melakukan disagregasi portofolio. Perusahaan asuransi di Indonesia, secara

Theoretically, catastrophe model is a must for

teori, mutlak memerlukan dan membutuhkan

insurance companies in Indonesia as a risk

catastrophe model sebagai alat dalam

management tool. Earthquake event in the last

mengelola risiko. Kejadian gempa selama 10

decade shows the urgency of catastrophe model

tahun terakhir adalah gambaran bahwa tingkat

in managing risk. At early stage, the insurance

urgensi pemanfaatan catastrophe model

industry needs database of sum insured with high

dalam kegiatan manajemen risiko sudah tidak

resolution. Else, the development of earthquake

dapat ditunda. Untuk mengarah ke sana, pada

catalog and research in seismology.

tahap awal ini industri asuransi memerlukan basis data sum insured dengan resolusi tinggi. Selain itu pengembangan basis data katalog gempa dan penelitian ilmu kegempaan yang terus ditingkatkan. Peran

Catastrophe

Model

Dalam

Role of Catastrophe Model in Decision Making

Proses yang terjadi di dalam catastrophe

Simply put, the process in catastrophe model is

model secara sederhana dapat dijelaskan

best explain in three major steps. First, the hazard

dalam tiga tahapan utama. Pertama adalah

analysis where it begins with the making of

analisis tingkat bencana (hazard), dimana

sequential synthetic earthquake based on

proses dimulai dengan pembuatan rangkaian

historical catalog and fault activity analysis

gempa sintetis berdasarkan katalog histori dan

independently. This synthetic earthquake then

Pengambilan Keputusan

analisis aktivitas patahan secara independen.

14



DESEMBER 2015

Gempa sintetis ini kemudian disimulasikan

simulated and its effect is calculated on the soil

dan dihitung efeknya di permukaan tanah

surface with taking into account factors

dengan memperhitungkan faktor-faktor seperti origin gempa, jenis gempa yang

such as the origin of earthquake, the type of

dihasilkan dan jenis tanah di titik pengamatan.

earthquake, and the type of soil in observation

Proses kedua adalah manajemen eksposur.

point. The second step is Exposure management.

Di dalam modul ini, pengguna harus

In this module, the user must define accurately the

mendefiniskan lokasi dari tertanggung dengan

location of insured. Then, define the sensitivity

sangat akurat. Lalu kemudian mendefinisikan

curve accordance with the type of building

kurva kerentanan sesuai dengan jenis

construction. Third, financial module in which the

bangunan itu sendiri. Modul ketiga adalah

crosses of two previous process create loss

modul

dimana

expectation either because of damage to the

sebelumnya

building, content, and also business interruption.

menimbulkan ekspektasi kerugian baik karena

The probabilistic nature of the calculation creates

kerusakan bangunan, kerusakan content dan

loss figure in exceedance probability curve and

juga karena bussiness interuption. Sifat dari

converted into PML curve at return period.

manajemen

persilangan

dua

finansial proses

penghitungan yang sedari awal dilakukan secara

probabilistik

menghasilkan

nilai

kerugian yang juga probabilistik dalam bentuk kurva exceedence probability atau biasa dikonversi ke kurva PML pada periode ulang (return period). Keluaran catastrophe model berupa PML

PML as the output of catastrophe model is use to

ini digunakan sebagai estimasi kemungkinan

estimate the worst probable loss. The figure then

terburuk atas kerugian yang dapat terjadi. Nilai

used by insurance company to determine upper

ini biasanya digunakan oleh perusahaan

limit of own retention before purchasing

asuransi untuk menentukan batas atas dan

reinsurance cover. Other output of catastrophe

retensi dari cover proteksi atas risiko yang

model is the average annual loss (AAL) which can

kemudian diretrosesikan ke perusahaan

be define as the minimum of annual premium

reasuransi.

dari

collected by insurance company to cover probable

catastrophe model adalah average annual

loss. AAL is often serve as technical price of

loss (AAL) yang secara sederhana dapat

coverage portfolio and the comparison with the

Selain

itu

keluaran

15



DESEMBER 2015

diartikan sebagai premium tahunan minimum

premium production can be used to control both

yang harus dikumpulkan oleh perusahaan

pricing and fund reserve. Eventually, this allow

asuransi untuk menutupi kerugian yang

insurance company to show capital adequacy with

mungkin terjadi. AAL ini juga biasa disebut

better judgement to the rating company.

sebagai technical price atas portfolio yang ditanggung sehingga perbandingan antara nilai AAL dengan nilai produksi premi perusahaan

di

tahun

tersebut

dapat

membantu perusahaan asuransi melakukan kontrol tentang seberapa baik penentuan harga yang sudah mereka lakukan dan seberapa cukup dana yang dicadangkan. Pada akhirnya, hal ini juga memungkinkan perusahaan asuransi untuk menunjukkan kecukupan modal untuk lembaga pemeringkat dengan judgement yang lebih baik. Tingkat Akurasi Data

Level of Data Accuracy

Alasan paling utama mengapa sering terjadinya

kesalahan

estimasi

The main reason of frequent error in loss

dalam

estimation of earthquake event (or other perils) is

penentuan kerugian akibat suatu kejadian

the quality of data input in the catastrophe model.

gempabumi (atau peril lainnya) adalah kualitas

Latest issue is the loss estimation of Hurricane

data yang dimasukkan ke dalam catastrophe

Catrina in 2011 at New Orleans, United States.

model tadi. Pelajaran terbaru untuk kasus ini

Catastrophe model simulation with resolution

adalah estimasi kerugian dari Badai Katrina

level per aggregate (per cresta) shows potential

yang terjadi pada tahun 2011 di New Orleans,

loss figure below expectation from insurance

Amerika Serikat (AS). Simulasi catastrophe

industry in United States. This drives practice

model dengan tingkat resolusi per aggregate

transformation in insurance industry (i.e. tighten of

(per cresta) memunculkan angka potensial

peril definition in policy wording) and the

kerugian di bawah ekspektasi industri asuransi

application of catastrophe modeling where data

AS. Sehingga industri asuransi mengalami

input now focus on per risk basis.

tuntutan klaim yang tidak pernah mereka duga sebelumnya. Hal ini memicu perubahan

16



DESEMBER 2015

praktik industri asuransi secara umum (misalnya pengetatan definisi peril di policy wording) dan praktik aplikasi catastrophe modeling secara khusus dimana input data yang tadinya per aggregate basis difokuskan menjadi per risk basis. Perusahaan

asuransi

AS

akhirnya

Insurance companies in United States take

mengambil tindakan serius untuk menangani

serious action of this issue. They invested

hal ini. Perusahaan asuransi berinvestasi

massively on catastrophe model to ensure the

secara masif untuk memastikan atribut dan

completeness of information i.e. geolocation

kelengkapan informasi tertanggung seperti

(longitude and latitude), type of building, type of

geo-lokasi (bujur dan lintang), jenis bangunan,

roof, age of building, and even to the detail of

jenis atap, umur bangunan dan bahkan

building’s secondary characteristics such as the

sampai ke detail karakteristik sekunder

strength of foundation, moment resisting frame,

bangunan seperti kekuatan pondasi, moment

moment resisting wall, etc.

resisting frame, moment resisting wall dan lainnya. Hal ini dilakukan sebagai kompensasi

This action was taken as compensation of

atas praktik asuransi di tingkat akar rumput

insurance practice at grass root which insensitive

yang belum sensitif dan belum terbiasa

and unfamiliar with data collection from insured. In

dengan pengumpulan data yang baik dari para

Indonesia, since 2007, MAIPARK has been

pemegang polis/ tertanggung. Di Indonesia,

introduced a standard template of which oblige the

sejak

telah

data of insured filled up to postal code. Although

memperkenalkan template standar yang

in practice it didn’t go well. Before an earthquake

mengharuskan data tertanggung diisi sampai

event occurs in high Exposure region such as

dengan detail kode pos. Namun demikian,

Jakarta and Bandung, it is better for Indonesia’s

secara praktik hal ini tidak berlangsung

insurance industry begin to improve data quality.

dengan baik. Sebelum sampai kepada

It’s time for insurance company to invest in

kejadian bencana gempa di area high

equipment supporting data quality to help field

Exposure seperti Jakarta dan Bandung

agent fulfill the completeness of information from

(knocking on wood), ada baiknya industri

insured.

tahun

2007

MAIPARK

asuransi di Indonesia mulai diarahkan ke jalur

17



DESEMBER 2015

peningkatan kualitas data yang mempunyai tujuan utama adalah kontrol portofolio yang baik. Sudah saatnya perusahaan asuransi berinvestasi kepada peralatan pendukung kualitas data sehingga agen di lapangan dapat dengan

mudah

memenuhi

informasi

kelengkapan data tertanggung.

Dengan berinvestasi dalam peningkatan

By making such investment, insurance company

kualitas data, perusahaan asuransi secara

will increase the quality of risk management and

langsung telah meningkatkan kualitas risk

control over portfolio also adding confidence level

management dan kontrol atas portofolio, dan

of PML, increase the effectiveness of reinsurance

secara tidak langsung menambah tingkat

cover, reduce the estimation of AAL, and

kepercayaan terhadap PML, meningkatkan

eventually cut the cost of the company.

efektifitas pembelian proteksi reasuransi, mereduksi perkiraan AAL yang pada akhirnya menghemat pengeluaran perusahaan. Analisis Eksposur Asuransi Gempabumi 2015 Pengembangan basis data dan analisis statistik

asuransi

gempabumi

Indonesia

Analysis of the Exposure in 2015

Earthquake

Insurance

The development of database and statistic analysis of earthquake insurance in Indonesia is

adalah salah satu alasan utama pendirian

one

of

the

reason

MAIPARK. Perciptaan basis data yang baik

establishment. Good and reliable database

dan reliable dinilai perlu untuk mendukung

creation is a necessity to support underwriting

proses underwriting dan risk profilling asuransi

process and risk profiling of earthquake

gempabumi. Sejalan dengan waktu dan

insurance. As time evolve and the evolution of

perkembangan teknologi, kebergantungan

technology, dependency of database and statistic

terhadap basis data dan statistik pun menjadi

is higher than before. Several insurance and

lebih tinggi. Beberapa perusahaan asuransi

reinsurance

dan reasuransi Indonesia sudah sangat serius

consideration of statistic analysis and the output

companies

behind

take

MAIPARK’s

a

serious

mempertimbangkan analisis statistik dan hasil

18



DESEMBER 2015

cat-model

sebagai

keputusan

untuk

dasar

pengambilan

pengelolaan

risiko

from catastrophe modeling as the basis of decision making to manage earthquake risk.

gempabumi ini. Untuk tahun 2015 ini MAIPARK mencatat

For 2015, MAIPARK records the Exposure on risk

eksposur di tahun 2015 (on risk as at 31

at IDR 1,957,255,081,385,380.00. The Exposure

Desember)

IDR

distribute relatively similar with the previous years.

Penyebaran

Figure 1 shows the Exposure distribution

eksposur ini relatif sama dengan tahun-tahun

concentrate at CRESTA 3 which consist the

sebelumnya. Gambar 1 memperlihatkan

Province of DKI Jakarta, West Java, and Banten.

kepada kita bahwa distribusi eksposur

The Exposure in CRESTA 3 reach 57.22% or

terkonsentrasi di CRESTA 3 yang terdiri dari

equal to IDR 1,119,854,370,289,750 in 2015.

adalah

1,957,255,081,385,380,-.

Provinsi DKI Jakarta, Jawa Barat dan Banten. Besaran eksposur di CRESTA 3 ini mencapai 57,22%

atau

sebesar

1,119,854,370,289,750.- Rupiah di tahun 2015. Dengan ketersedian data ini, MAIPARK

With this available data, MAIPARK simulated

melakukan simulasi catastrophe modelling

national catastrophe modelling that result

secara nasional yang menghasilkan perkiraan

approximately PML loss curve as in Picture 1.

kerugian dalam kurva PML seperti di gambar 1.

Gambar 1. Nilai PML ini adalah gambaran secara nasional semua portfolio asuransi gempabumi di tahun 2015, sehingga angka ini tidak dapat dijadikan acuan spesifik bagi satu perusahaan dikarenakan sebaran risiko dan nilai eksposur yang berbeda untuk tiap perusahaan.

19



DESEMBER 2015

Figure 1. The PML serve as a national illustration for all earthquake insurance portfolio in 2015. It can’t be made as a specific reference for one company since the risk distribution and the Exposure amount is differ for each company. Nilai PML untuk skala nasional ini menggambarkan

kemugkinan

The PML amount for national scale illustrates the

terjadinya

probable loss in the future of earthquakes. Take

kerugian akibat gempa-gempa yang mungkin

one point in the return period of 500 years where

terjadi di masa datang. Bila kita ambil satu titik

the amount of probable loss is IDR 19.5 trillion or

di return period 500 tahun dimana nilai

1% of total Exposure, then statistically it can be

kemungkinan kerugian adalah 19.5 Trilyun

interpreted there is a probability of 99.8% that the

atau 1.0% dari total eksposur, maka secara

insurance industry will suffer of loss up to IDR 19.5

statistik hal ini dapat diinterpretasikan bahwa

trillion and there is a probability of 0.2% that the

ada probabilitas 99.8% bahwa industri

insurance industry will suffer of loss more than

asuransi akan menderita kerugian sampai

Rp19.5 trillion.

dengan Rp19.5 Trilyun dan ada 0.2% probabilitas industri asuransi akan mengalami kerugian lebih dari Rp19.5 Trilyun. Harus seberapa percayakah kita dengan

How confidence are we with PML? It all go back

PML tersebut? Hal ini dikembalikan lagi

to the data accuracy as explained before. As the

kepada akurasi data seperti yang dijelaskan

data given with resolution level up to District area,

pada bagian sebelumnya. Sebagaimana data

then the uncertainty must be taken into account.

yang diberikan dengan tingkat resolusi sampai

The loading with certain weight must be given to

dengan

anticipate the uncertainty that might occur.

Kabupaten,

maka

perlu

diperhitungkan juga uncertainty. Loading dengan bobot tertentu harus diberikan untuk mengantisipasi uncertainty yang muncul.

20



DESEMBER 2015

Ulasan Aktuaria / Actuarial Commentary

Truncation dan Modifikasi pada Nilai Nol Truncation and Modification at Zero Misalkan

seorang

aktuaris

ingin

Suppose an actuary desires to model the

memodelkan distribusi peluang suatu peubah

probability distribution of a discrete random

acak diskrit 𝑁 yang menyatakan frekuensi

variable 𝑁 denotes frequency or the number of

atau banyak klaim yang diajukan suatu risiko

claims reported by risks or policyholders within

atau pemegang polis dalam suatu periode

a period of insurance (e.g. one year). The

asuransi (misalnya satu tahun). Dapat saja

possibilities are no observation at zero or

terjadi bahwa tidak terdapat pengamatan

𝑃𝑟(𝑁 = 0) = 0 during the period; i.e. any

bernilai nol atau Pr (N = 0) = 0 pada periode

risks claimed at least one. Otherwise, it may be

tersebut; berarti tiap risiko mengajukan klaim

numerous risks or policyholders are not

paling sedikit satu kali. Sebaliknya, dapat saja

claimed; i.e. the probability of a random variable

terjadi bahwa sangat banyak risiko atau

𝑁 at zero has the largest value. Therefore, the

pemegang polis yang tidak mengajukan klaim;

probability distribution model selection by

dengan kata lain, peluang peubah acak 𝑁

modifying probability value at zero play special

bernilai nol “sangat besar”. Oleh karena itu,

attention and it will be discussed in this actuarial

penentuan model distribusi peluang dengan

review section.

memodifikasi nilai peluang di titik nol menjadi salah satu perhatian penting dan akan dibahas pada ulasan aktuaria berikut ini. Mengikuti definisi peubah acak 𝑁 seperti

Consider a random variable 𝑁 defined

tersebut di atas, misalkan fungsi massa

above, suppose the probability mass function of

peluang perubah acak 𝑁 adalah

a random variable 𝑁 is

𝑝𝑘 = 𝑃𝑟(𝑁 = 𝑘) , 𝑘 = 0,1,2, … Definisi 1 Misalkan pk suatu fungsi massa

Definition 1 let p_k be the probability mass

peluang dari suatu peubah acak diskrit. Suatu

function of a discrete random variable.It is a

distribusi peluang diskrit dikatakan termasuk ke

member of the (a,b,0) class of distributions

21



DESEMBER 2015

dalam kelas (a, b, 0) apabila terdapat konstanta

provided that there exists constants a and b

a dan b sedemikian sehingga,

such that, 𝒑𝒌 𝒃 =𝒂+ 𝒑𝒌−𝟏 𝒌

,

𝒌 = 𝟏, 𝟐, 𝟑, …

Beberapa distribusi peluang yang termasuk

The Poisson, binomial, negative binomial, and

ke dalam kelas (𝑎, 𝑏, 0) adalah distribusi

geometric distributions belong to a class

Poisson, binomial, binomial negatif, dan

(𝑎, 𝑏, 0). The values of 𝑎 and 𝑏 for the four

geometri. Nilai a dan b untuk keempat distribusi

distributions are summarized in Table 1.

tersebut diberikan pada Tabel 1.

Tabel 1 : Kelas Distribusi (𝑎, 𝑏, 0) Table 1 : The (𝑎, 𝑏, 0) Class Distributions Distribution Poisson (𝜆) Binomial (𝑞, 𝑚)

𝒂 0 𝑞 − 1−𝑞 𝛽 1+𝛽 𝛽 1+𝛽

Binomial Negatif (𝑟, 𝛽) Geometri (𝛽)

Jika 𝑝0 pada distribusi peluang yang termasuk

ke

dalam

kelas

𝒃 𝜆

𝑞 1−𝑞 𝛽 (𝑟 − 1) 1+𝛽 0

(𝑚 + 1)

𝒑𝟎 𝑒 −𝜆 (1 − 𝑞)𝑚 (1 + 𝛽)−𝑟 (1 + 𝛽)−1

If 𝑝0 in probability distributions belong to the

(𝑎, 𝑏, 0)

(𝑎, 𝑏, 0) class has been modified, then its

dimodifikasi, maka distribusi peluang yang

probability distribution belong to the (𝑎, 𝑏, 1)

bersangkutan masuk ke dalam kelas distribusi

class.

(𝑎, 𝑏, 1). Definisi 2 Misalkan pk suatu fungsi

Definition 2 Let p_k be the probability mass

massa peluang dari peubah acak diskrit. Suatu

function of a discrete random variable.It is a

distribusi diskrit dikatakan termasuk dalam

member of he (a,b,1) class of distributions

kelas (a, b, 1) apabila terdapat konstanta a

provided that there exists constants a and b

dan b sedemikian sehingga,

such that, 𝒑𝒌 𝒃 =𝒂+ 𝒑𝒌−𝟏 𝒌

,

22

𝒌 = 𝟐, 𝟑, 𝟒, …



DESEMBER 2015

Apabila untuk suatu distribusi peluang di

When the value of 𝑝0 in the (𝑎, 𝑏, 0)

kelas (𝑎, 𝑏, 0), nilai 𝑝0 dimodifikasi menjadi

class has been modified become certain

suatu nilai 𝑝0 > 0 yang ditentukan dari data

value 𝑝0 > 0 based on data (sample), the

(sampel) yang diperoleh, maka distribusi

probability distribution in the (𝑎, 𝑏, 1) class is

peluang di kelas (𝑎, 𝑏, 1) disebut distribusi

called the zero-modified distribution. If the

sampel

sample represented no observation at zero or

menunjukkan bahwa tidak ada observasi

𝑝0 = 0, then the probability distribution in the

bernilai nol atau 𝑝0 = 0, maka distribusi

(𝑎, 𝑏, 1) class is called the zero-truncated

peluang di kelas (𝑎, 𝑏, 1) disebut distribusi

distribution. The notation for zero-modified

𝒛𝒆𝒓𝒐 − 𝒕𝒓𝒖𝒏𝒄𝒂𝒕𝒆𝒅. Distribusi peluang

distribution will use 𝑝𝑘𝑀 and zero-truncated

𝑧𝑒𝑟𝑜 − 𝑚𝑜𝑑𝑖𝑓𝑖𝑒𝑑 diberi notasi 𝑝𝑘𝑀 dan

distribution will use 𝑝𝑘𝑇 . 𝑝𝑘𝑀 is related to 𝑝𝑘 as

distribusi peluang 𝑧𝑒𝑟𝑜 − 𝑡𝑟𝑢𝑛𝑐𝑎𝑡𝑒𝑑 diberi

follows :

𝒛𝒆𝒓𝒐 − 𝒎𝒐𝒅𝒊𝒇𝒊𝒆𝒅.

Apabila

notasi 𝑝𝑘𝑇 . Hubungan antara 𝑝𝑘𝑀 dan 𝑝𝑘 adalah: 𝒑𝑴 𝒌 = 𝒄 𝒑𝒌 ,

dengan 𝒄 > 𝟎

dapat ditunjukkan bahwa

,

𝒌 = 𝟏, 𝟐, 𝟑, …

it can be shown that 𝒄=

𝟏 − 𝒑𝑴 𝟎 𝟏 − 𝒑𝟎

karena untuk distribusi 𝑧𝑒𝑟𝑜 − 𝑡𝑟𝑢𝑛𝑐𝑎𝑡𝑒𝑑 nilai 𝑝0𝑀 = 0, maka

𝒑

𝒑𝑻𝒌 = 𝟏−𝒑𝒌

𝟎

since 𝑝0𝑀 = 0 for zero-truncated distribution, then

, for 𝒌 = 𝟏, 𝟐, 𝟑, … .

Anggota distribusi peluang diskrit untuk kelas

The

members

of

discrete

probability

(𝑎, 𝑏, 1) seperti tertera pada Tabel 2.

distribution belong to the (𝑎, 𝑏, 1) class are summarized in Table 2.

23



DESEMBER 2015

Tabel 2 : Kelas Distribusi (𝑎, 𝑏, 1) Table 2 : The (𝑎, 𝑏, 1) class Distribution Parameter space 𝑝0 𝑎 𝑏 −𝜆 Poisson (𝜆) 0 𝜆 𝜆>0 𝑒 ZT Poisson 0 0 𝜆 𝜆>0 ZM Poisson 𝐴𝑟𝑏𝑖𝑡𝑟𝑎𝑟𝑦 0 𝜆 𝜆>0 𝑚 𝑞 𝑞 (1 − 𝑞) Binomial (𝑞, 𝑚) 0<𝑞<1 − (𝑚 + 1) 1−𝑞 1−𝑞 𝑞 𝑞 ZT Binomial 0 0<𝑞<1 − (𝑚 + 1) 1−𝑞 1−𝑞 𝑞 𝑞 ZM Binomial 𝐴𝑟𝑏𝑖𝑡𝑟𝑎𝑟𝑦 0<𝑞<1 − (𝑚 + 1) 1−𝑞 1−𝑞 𝛽 𝛽 (1 + 𝛽)−𝑟 Negative Binomial (𝛽, 𝑟) 𝑟 > 0, 𝛽 > 0 (𝑟 − 1) 1+𝛽 1+𝛽 𝛽 𝛽 ETNB 0 𝑟 > −1, 𝛽 > 0 (𝑟 − 1) 1+𝛽 1+𝛽 𝛽 𝛽 ZM ETNB 𝐴𝑟𝑏𝑖𝑡𝑟𝑎𝑟𝑦 𝑟 > −1, 𝛽 > 0 (𝑟 − 1) 1+𝛽 1+𝛽 −1 𝛽 (1 + 𝛽) Geometric (𝛽) 0 𝛽>0 1+𝛽 𝛽 ZT Geometric 0 0 𝛽>0 1+𝛽 𝛽 ZM Geometric 𝐴𝑟𝑏𝑖𝑡𝑟𝑎𝑟𝑦 0 𝛽>0 1+𝛽 𝛽 𝛽 Logarithmic 0 𝛽>0 − 1+𝛽 1+𝛽 𝛽 𝛽 ZM Logarithmic 𝐴𝑟𝑏𝑖𝑡𝑟𝑎𝑟𝑦 𝛽>0 − 1+𝛽 1+𝛽 ZT : Zero-Truncated; ZM : Zero-Modified; ETNB: Extended Truncated Negative Binomial Misalkan 𝑁 ∗ adalah peubah acak dengan

Let 𝑁 ∗ be a random variable with

peluang di titik nol sudah dimodifikasi; dengan kata

probability at zero has been modified; in other

lain, distribusi peluang 𝑁 ∗ termasuk ke dalam

words, the probability distribution of 𝑁 ∗

kelas (𝑎, 𝑏, 1). Maka untuk menentukan mean

belong to (𝑎, 𝑏, 1) class. To compute the

dan variansi dari 𝑁 ∗ , digunakan definisi

mean and variance of 𝑁 ∗ used definition of

𝑚𝑜𝑚𝑒𝑛 𝑘𝑒 − 𝑟 sebagai berikut:

the rth moment as follows:

∞

𝐸[(𝑁

∗ )𝑟 ]

=

∑ 𝑘 𝑟 𝑝𝑘𝑀 𝑘=0

∞

=

∞

∑ 𝑘 𝑟 𝑝𝑘𝑀 𝑘=1

24

= 𝑐 ∑ 𝑘 𝑟 𝑝𝑘 = 𝑐 𝐸(𝑁 𝑟 ) 𝑘=1



DESEMBER 2015

Contoh

Example Suppose 𝑁 be a random variable denotes the

Misalkan 𝑁 adalah peubah acak yang menyatakan

frequency claim in insurance company XYZ.

frekuensi klaim di suatu perusahaan asuransi XYZ. Setelah

dilakukan

model

fitting,

Let 𝑁 ~ 𝐵𝑖𝑛𝑜𝑚𝑖𝑎𝑙 (0.3 ; 4) after model

diperoleh

fitting. The probability mass function of

𝑁 ~ 𝐵𝑖𝑛𝑜𝑚𝑖𝑎𝑙 (0,3 ; 4). Fungsi massa peluang

binomial distribution with parameters are 𝑞

suatu distribusi binomial dengan parameter q dan

and 𝑚 is

m adalah:

𝑚 𝑃𝑟(𝑁 = 𝑘) = 𝑝𝑘 = ( ) 𝑞 𝑘 (1 − 𝑞)𝑚−𝑘 , 𝑘 = 0,1, … , 𝑚 𝑘 Untuk q = 0,3 dan m = 4 diperoleh tabel peluang

For 𝑞 = 0.3 and 𝑚 = 4, the probability table of

untuk peubah acak N sebagai berikut:

a random variable 𝑁 is: 𝑘

𝑃𝑟(𝑁 = 𝑘)

0 1 2 3 4 Total

0,2401 0,4116 0,2646 0,0756 0,0081 1

Apabila dilakukan perhitungan untuk distribusi

The calculation of 𝑧𝑒𝑟𝑜 − 𝑡𝑟𝑢𝑛𝑐𝑎𝑡𝑒𝑑

𝑧𝑒𝑟𝑜 − 𝑡𝑟𝑢𝑛𝑐𝑎𝑡𝑒𝑑 binomial; dan distribusi

binomial

𝑧𝑒𝑟𝑜 − 𝑚𝑜𝑑𝑖𝑓𝑖𝑒𝑑 binomial dengan 𝑝0𝑀 = 0,4

𝑚𝑜𝑑𝑖𝑓𝑖𝑒𝑑 binomial distribution with 𝑝0𝑀 =

diperoleh tabel peluang berikut:

0.4 obtained in the following probability table:

𝑘

𝑃𝑟(𝑁 = 𝑘)

0 1 2 3 4 Sum

0.2401 0.4116 0.2646 0.0756 0.0081 1

distribution;

𝑍𝑒𝑟𝑜 − 𝑀𝑜𝑑𝑖𝑓𝑖𝑒𝑑, 𝑐 = 0.7896 0.4000 0.3250 0.2089 0.0597 0.0064 1

25

and

𝑧𝑒𝑟𝑜 −

𝑍𝑒𝑟𝑜 − 𝑇𝑟𝑢𝑛𝑐𝑎𝑡𝑒𝑑, 𝑐 = 1.3160 0 0.5417 0.3482 0.0995 0.0107 1



DESEMBER 2015

BINOMIAL DISTRIBUTION (0.3 ; 4) 0,5

0,4116

Probability

0,4 0,3

0,2646

0,2401

0,2 0,0756

0,1

0,0081 0 0

1

2 N

3

4

ZERO-MODIFIED BINOMIAL (0.3 ; 4) Probability

0,5 0,4

0,4 0,325

0,3

0,2089

0,2 0,0597

0,1

0,0064

0 0

1

2 N

3

4

ZERO-TRUNCATED BINOMIAL (0.3 ; 4) 0,5417

Probability

0,6

0,3482

0,4 0,2 0

0,0995 0,0107

0 0

1

2

3

4

N

26



DESEMBER 2015

Di bawah ini diberikan perhitungan mean

The calculation of mean and variance for

dan variansi dari masing-masing distribusi

each distributions below given for a random

peluang untuk peubah acak frekuensi 𝑁,

variable frequency 𝑁, its obtained:

diperoleh:

𝐸(𝑁) = 𝑚 ∗ 𝑞 = 4 ∗ 0,3 = 1,2. 𝑉𝑎𝑟(𝑁) = 𝑚 ∗ 𝑞 ∗ (1 − 𝑞) = 4 ∗ 0,3 ∗ 0,7 = 0,84. 𝐸(𝑁 2 ) = 𝑉𝑎𝑟(𝑁) + 𝐸(𝑁)2 = 0,84 + 1,22 = 2,28.

Mean

dari

distribusi

The mean of 𝑧𝑒𝑟𝑜 − 𝑚𝑜𝑑𝑖𝑓𝑖𝑒𝑑 binomial

𝑧𝑒𝑟𝑜 − 𝑚𝑜𝑑𝑖𝑓𝑖𝑒𝑑

binomial adalah:

distribution is: 𝑐 ∗ 𝐸(𝑁) = 0.7896 ∗ 1.2 = 0.94752.

Akibatnya, diperoleh variansi sebesar:

The second moment of 𝑧𝑒𝑟𝑜 − 𝑚𝑜𝑑𝑖𝑓𝑖𝑒𝑑 binomial is:

1,800288 − 0.947522 = 0,902494. Mean

dari

distribusi

The mean of 𝑧𝑒𝑟𝑜 − 𝑡𝑟𝑢𝑛𝑐𝑎𝑡𝑒𝑑 binomial is:

𝑧𝑒𝑟𝑜 − 𝑡𝑟𝑢𝑛𝑐𝑎𝑡𝑒𝑑

binomial adalah: 𝑐 ∗ 𝐸(𝑁) = 1,3160 ∗ 1,2 = 1,5792. Momen ke-2 dari distribusi 𝑧𝑒𝑟𝑜 − 𝑡𝑟𝑢𝑛𝑐𝑎𝑡𝑒𝑑

The second moment of 𝑧𝑒𝑟𝑜 − 𝑡𝑟𝑢𝑛𝑐𝑎𝑡𝑒𝑑

binomial adalah:

binomial is: 𝑐 ∗ 𝐸(𝑁 2 ) = 1,3160 ∗ 2,28 = 3,00048.

Akibatnya, diperoleh variansi sebesar:

Thus, its variance is:

3,00048 − 1,57922 = 0,506607. Apabila dibandingkan, diperoleh mean dan

In comparison, the mean and variance for

variansi yang berbeda untuk masing-masing

each distributions are different and summarized in the following table:

27



DESEMBER 2015

distribusi peluang yang dirangkum pada tabel berikut:

𝐃𝐈𝐒𝐓𝐑𝐈𝐁𝐔𝐒𝐈

𝑴𝑬𝑨𝑵

VARIANSI

𝑩𝒊𝒏𝒐𝒎𝒊𝒂𝒍 (𝟎, 𝟑 ; 𝟒)

𝟏, 𝟐

𝟎, 𝟖𝟒

𝒁𝒆𝒓𝒐 − 𝑴𝒐𝒅𝒊𝒇𝒊𝒆𝒅 𝑩𝒊𝒏𝒐𝒎𝒊𝒂𝒍 (𝟎, 𝟑 ; 𝟒)

𝟎, 𝟗𝟒𝟕𝟓𝟐

𝟎, 𝟗𝟎𝟐𝟒𝟗𝟒

𝒁𝒆𝒓𝒐 − 𝑻𝒓𝒖𝒏𝒄𝒂𝒕𝒆𝒅 𝑩𝒊𝒏𝒐𝒎𝒊𝒂𝒍 (𝟎, 𝟑 ; 𝟒)

𝟏, 𝟓𝟕𝟗𝟐

𝟎, 𝟓𝟎𝟔𝟔𝟎𝟕

Referensi / Reffrence 1. Klugman, S.A., Panjer, H. H., and Wilmot, G. E. (2004). Loss Models : From Data to Decisions. Second edition. John Wiley and Sons Publication. 2. Tse, Y. (2009). Nonlife Actuarial Models Theory : Methods and Evaluation. United States of America : Cambridge University Press.

28



DESEMBER 2015

Ulasan Asuransi / Insurance Commentary

Penetrasi Asuransi Gempabumi Indonesia

Peranan Industri Asuransi Melindungi Area Rawan Gempa

The penetration of Earthquake insurance in Indonesia

The Role of Insurance Industry in protecting the Earthquake Prone Areas Adverse selection adalah salah satu hal diduga

Adverse selection allegedly is one of the failure

dapat menyebabkan failure dalam industri

cause in catastrophe insurance industry.

asuransi bencana alam. Mengacu pada tingkat

Referring to the risk level of the earthquake in

risiko

Indonesia,

Indonesia, adverse selection policy is one thing

kebijakan adverse selection ini malah satu hal

that could be a boomerang for an insurance

yang dapat saja menjadi bumerang bagi suatu

company. It is (probably) still happen

perusahan asuransi. Hal ini (mungkin) masih

commonly due to the lack of understanding of

umum terjadi karena pemahaman atas risiko dan

the nature and risk of the earthquake event.

bencana

gempabumi

di

sifat natural dari kejadian gempabumi ini yang belum dipahami dengan baik. Kebijakan untuk tidak melakukan penutupan di

The policy to exclude certain provinces that

beberapa provinsi tertentu karena area tersebut

has just affected by earthquake was a

baru saja terdampak gempabumi adalah

misinterpretation. For example in Sumatera

pemahaman yang sedikit keliru. Sebut saja

Barat area especially the City of Padang due to

area Sumatera Barat terutama Kota Padang

significant earthquake in 2009. Overreacted

sebagai contoh kasus karena terdampak

respons of the insurance industry is to exclude it

gempa signifikan pada tahun 2009 yang lalu.

in their marketing targets, whereas risk of

Respon “kaget” industri asuransi adalah

Padang has the same risks to the other high zone

mengecualikan

area referring to the Indonesian earthquake

Padang

dalam

target

pemasaran mereka, padahal risiko Padang

zoning

tetaplah sama dibandingkan dengan area lain di zona tinggi sesuai dengan pembagian zona asuransi gempabumi Indonesia. Justru sebaliknya, industri asuransi bisa

On

the

contrary,

insurance

industry

dengan gencar dan efektif mengambil peran

aggresively and effectively took part in the

dalam manajemen risiko bencana dan

disaster risk management and promote the

melakukan promosi pentingnya asuransi

important part about insurance on the recovery

29



DESEMBER 2015

dalam tahapan recovery setelah bencana.

phase after disaster. Eventhough low class

Karena di lain sisi, walaupun stigma dan

society in general has negative stigma and

asumsi yang ada di masyarakat bawah

presumption about insurance, a little different for

mengenai asuransi secara umum adalah

the earthquake. From the statistical data of the

negatif, namun demikian untuk urusan

insurance in some areas after the earthquake,

gempabumi hal ini sedikit berbeda. Dari data

the demand for insurance coverage were

statistik penutupan asuransi di beberapa area

increases.

setelah gempa, permintaan untuk penutupan asuransi justru meningkat.

Gambar4. Peta Intensitas dan grafik peningkatan jumlah risiko (number of risk) penutupan asuransi untuk okupansi rumah tinggal di Provinsi Nanggroe Aceh Darusslam setelah kejadian Gempa Aceh 26 Desember 2004 Mw 9.25 (intensity map sources: http://www.earthquake.usgs.gov). Picture4. Intensity map and number of risk chart on increasing insurance write for residential occupacy in Nanggroe Aceh Darusslam Provincei after Aceh Earthquake 26 December 2004 Mw 9.25 (intensity map sources:: http://www.earthquake.usgs.gov).

30



DESEMBER 2015

Gambar5. Peta Intensitas dan grafik peningkatan jumlah risiko (number of risk) penutupan asuransi untuk okupansi rumah tinggal di Provinsi Daerah Istimewa Yogyakarta setelah kejadian Gempa Yogya 27 Mei 2007 Mw 6.3 (sumber peta intensitas: http://www.earthquake.usgs.gov). Picture 5. Intensity map and number of risk chart on increasing insurance write for residential occupacy in Daeray Istimewa Yogyakarta Province after Yogya Earthquake 27 Mei 2007 Mw 6.3 (intensity map sources: http://www.earthquake.usgs.gov).

Gambar 6. Peta Intensitas dan grafik peningkatan jumlah risiko (number of risk) penutupan asuransi untuk okupansi rumah tinggal di Kota Bengkulu setelah kejadian Gempa Bengkulu 12 September 2007 Mw 8.5 (sumber peta intensitas: http://www.earthquake.usgs.gov). Picture 6. Intensity map and number of risk chart on increasing insurance write for residential occupacy in City of Bengkulu after Bengkulu Earthquake 12 September 2007 Mw 8.5 (intensity map sources: http://www.earthquake.usgs.gov).

31



DESEMBER 2015

Gambar7. Peta Intensitas dan grafik peningkatan jumlah risiko (number of risk) penutupan asuransi untuk okupansi rumah tinggal di Kota Padang setelah kejadian Gempa Padang 30 September 2009 Mw 7.6 (sumber peta intensitas: http://www.earthquake.usgs.gov). Picture 7. Intensity map and number of risk chart on increasing insurance write for residential occupacy in City of Padang after Padang Earthquake 30 September 2009 Mw 7.6 (intensity map sources: http://www.earthquake.usgs.gov).

Gambar 8. Model sebaran abu vulkanik Gunung Kelud (WCPL-ITB) dan grafik peningkatan jumlah risiko (number of risk) penutupan asuransi untuk okupansi rumah tinggal di Kab. Semarang dan Kota Surabaya setelah kejadian Erupsi Kelud 13 Februari 2014. Picture 8.The Dispersion Modeling of Mount Kelud volcanic ash (WCPL-ITB) and number of risk chart on increasing insurance write for residential occupacy in Disctrict of Semarang and City of Surabaya after Kelud Eruption at 31 February 2014.

Kesimpulan sederhana dari paparan data di atas

The simple conclusion from the study above is

adalah bahwa peningkatan penetrasi asuransi

that the increase of penetration in earthquake

gempabumi bukanlah tanggung jawab satu

insurance is not only the responsibility of one

pihak saja. Bukan tanggung jawab pemerintah,

party. Not the government, society or insurance

masyarakat ataupun industri asuransi secara

industry itself, but collective responsibility of all

sendiri, melainkan tanggung jawab kolektif

stakeholders. Mari Ber(ikan)Asuransi.

32



DESEMBER 2015

semua pihak yang berkepentingan. Mari Ber(ikan)asuransi

33



DESEMBER 2015

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 31 Desember 2015

Diolah oleh MAIPARK dari data MAIPARK dan BMKG Process by MAIPARK form MAIPARK and BMKG data

34



DESEMBER 2015

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015


35



DESEMBER 2015

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 31 Desember 2015 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015


36



DESEMBER 2015

National Aggregate Exposure By Cresta Zone As At 31/12/2015 Tab le 2.1

in IDR

Cresta Zone

U/Y 2011

(dalam format lama)

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

BANDA ACEH

1.1

4,799,061,565,236.65

0.22

3,885,123,784,587.20

0.20

4,622,772,111,462.52

0.17

6,380,320,399,315.72

0.20

5,516,851,989,800.59

0.30

MEDAN

1.2

46,652,172,698,019.40

2.16

39,926,317,753,351.10

2.02

48,021,319,931,325.20

1.74

54,179,134,564,189.90

1.73

41,944,961,328,351.60

2.30

OTHERS

1.3

98,732,449,809,919.40

4.58

39,954,965,550,405.30

2.02

49,729,745,300,917.30

1.80

56,392,260,850,571.50

1.80

39,927,200,326,633.20

2.19

NORTH SUMATERA

1

150,183,684,073,175.00

6.97

83,766,407,088,343.60

4.25

102,373,837,343,705.00

3.71

116,951,715,814,077.00

3.74

87,389,013,644,785.40

4.79

PADANG

2.1

16,558,027,553,262.30

0.77

18,936,637,401,727.70

0.96

27,108,393,866,235.50

0.98

30,344,238,075,932.70

0.97

19,124,789,372,298.20

1.05

PALEMBANG

2.2

15,670,152,211,490.50

0.73

18,984,111,783,255.90

0.96

23,226,059,322,507.00

0.84

21,073,398,150,628.40

0.67

7,188,283,079,495.92

0.39

OTHERS

2.3

124,326,613,863,710.00

5.77

134,454,333,405,891.00

6.81

150,901,077,439,304.00

5.47

201,198,139,300,109.00

6.43

135,368,834,051,010.00

7.43

SOUTH SUMATERA

2

156,554,793,628,463.00

7.26

172,375,082,590,874.00

8.74

201,235,530,628,046.00

7.29

252,615,775,526,670.00

8.07

161,681,906,502,804.00

8.87

JAKARTA

3.1

464,788,039,293,112.00

21.56

399,879,551,278,611.00

20.27

434,983,119,085,188.00

15.77

653,346,863,576,657.00

20.88

400,590,833,910,105.00

21.98

BANDUNG

3.2

6,881,910,055,825.06

0.32

11,045,021,688,987.80

0.56

10,565,576,385,753.00

0.38

11,756,896,694,339.50

0.38

10,947,196,964,959.80

0.60

OTHERS

3.3

607,546,357,655,557.00

28.18

662,556,170,510,363.00

33.58

989,058,718,206,873.00

35.85

1,112,876,908,211,520.00

35.56

525,441,348,386,302.00

28.83

WEST JAVA

3

1,079,216,307,004,490.00

50.06

1,073,480,743,477,960.00

54.41

1,434,607,413,677,810.00

52.00

1,777,980,668,482,510.00

56.81

936,979,379,261,366.00

51.41

SEMARANG

4.1

6,547,169,388,280.43

0.30

7,128,540,426,300.66

0.36

8,896,839,847,452.73

0.32

8,717,813,368,498.40

0.28

7,044,667,140,401.29

0.39

YOGYAKARTA

4.2

10,227,924,407,900.00

0.47

9,213,654,452,599.54

0.47

8,572,002,953,780.61

0.31

14,139,914,312,838.60

0.45

9,975,334,947,810.32

0.55

OTHERS

4.3

116,804,919,938,213.00

5.42

102,691,869,441,901.00

5.20

136,782,391,322,905.00

4.96

148,208,865,760,931.00

4.74

138,817,651,968,483.00

7.62

CENTRAL JAVA

4

133,580,013,734,394.00

6.20

119,034,064,320,801.00

6.03

154,251,234,124,138.00

5.59

171,066,593,442,268.00

5.47

155,837,654,056,695.00

8.55

SURABAYA

5.1

87,137,349,483,550.50

4.04

51,268,013,090,249.70

2.60

134,255,180,232,704.00

4.87

79,851,345,390,068.60

2.55

41,969,003,156,141.30

2.30

OTHERS

5.2

300,804,196,856,445.00

13.95

241,910,275,276,202.00

12.26

233,222,722,561,370.00

8.45

362,281,080,948,439.00

11.58

163,684,164,646,154.00

8.98

EAST JAVA

5

387,941,546,339,995.00

17.99

293,178,288,366,452.00

14.86

367,477,902,794,074.00

13.32

442,132,426,338,508.00

14.13

205,653,167,802,295.00

11.28

KALIMANTAN

6

123,120,604,752,261.00

5.71

101,466,311,177,791.00

5.14

128,309,277,947,271.00

4.65

133,726,946,218,284.00

4.27

61,404,909,613,496.10

3.37

UJUNG PANDANG

7.1

10,441,385,729,218.00

0.48

10,440,854,149,882.30

0.53

14,119,462,393,835.50

0.51

22,935,399,232,639.40

0.73

12,520,340,468,003.40

0.69

OTHERS

7.2

59,644,593,333,905.30

2.77

53,982,731,254,031.10

2.74

39,197,500,637,787.70

1.42

113,013,262,727,792.00

3.61

120,565,916,380,878.00

6.61

SULAWESI

7

70,085,979,063,123.30

3.25

64,423,585,403,913.30

3.27

53,316,963,031,623.20

1.93

135,948,661,960,431.00

4.34

133,086,256,848,881.00

7.30

OTHER ISLANDS

8

55,304,797,043,097.90

2.57

65,375,069,733,110.70

3.31

317,037,173,615,059.00

11.49

99,207,920,834,408.20

3.17

80,690,119,520,703.30

4.43

2,155,987,725,639,000.00

100.00

1,973,099,552,159,250.00

100.00

2,758,609,333,161,730.00

100.00

3,129,630,708,617,160.00

100.00

1,822,722,407,251,030.00

100.00

T OT AL

37



DESEMBER 2015

National Aggregate Exposure By Cresta Zone As at 31 Dec 2015 (In Billion IDR)

North Sumatera 160,000,000.00

140,000,000.00 120,000,000.00

500,000,000.00

250,000,000.00

400,000,000.00

100,000,000.00

200,000,000.00

80,000,000.00

150,000,000.00

60,000,000.00

East Java

South Sumatera 300,000,000.00

40,000,000.00 -

1,000,000,000.00 500,000,000.00 UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

60,000,000.00 40,000,000.00 20,000,000.00 -

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

DIY & Central Java 180,000,000.00 160,000,000.00 140,000,000.00 120,000,000.00 100,000,000.00 80,000,000.00 60,000,000.00 40,000,000.00 20,000,000.00 -

1,500,000,000.00

80,000,000.00

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

DKI & West Java 2,000,000,000.00

100,000,000.00

100,000,000.00

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

120,000,000.00

200,000,000.00

50,000,000.00

20,000,000.00

140,000,000.00

300,000,000.00

100,000,000.00

Sulawesi 160,000,000.00

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

Other Islands

Kalimantan 350,000,000.00

160,000,000.00 140,000,000.00

300,000,000.00

120,000,000.00

250,000,000.00

100,000,000.00

200,000,000.00

80,000,000.00

150,000,000.00

60,000,000.00

40,000,000.00

100,000,000.00

20,000,000.00

50,000,000.00

-

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

38

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015



DESEMBER 2015

National Aggregate Exposure By Occupation As At 31/12/2015 in IDR

Tab le 2.2

U/Y 2011

Occupation

Amount AGRICULTURAL

A

COMMERCIAL

C

INDUSTRIAL

I

RESIDENTIAL

R

T OT AL

U/Y 2012 %

20,170,306,793,199.60

0.94

Amount

U/Y 2013 %

Amount

23,543,592,772,030.10

1.19

U/Y 2014 %

25,959,872,979,597.60

0.94

Amount

U/Y 2015 %

21,898,886,369,542.20

0.70

Amount

%

12,512,729,996,654.10

0.69

543,582,320,342,770.00

25.21

458,107,980,168,757.00

23.22

997,234,471,222,148.00

36.15

710,158,904,387,901.00

22.69

556,189,178,570,538.00

30.51

1,359,750,954,334,130.00

63.07

1,261,037,740,470,740.00

63.91

1,418,650,385,842,790.00

51.43

1,998,234,633,069,720.00

63.85

1,017,700,443,050,060.00

55.83

232,484,144,168,908.00

10.78

230,410,238,747,720.00

11.68

316,764,603,117,193.00

11.48

399,338,284,789,999.00

12.76

236,320,055,633,775.00

12.97

2,155,987,725,639,000.00

100.00

1,973,099,552,159,250.00

100.00

2,758,609,333,161,730.00

100.00

3,129,630,708,617,160.00

100.00

1,822,722,407,251,030.00

100.00

39



DESEMBER 2015

National Aggregate Exposure By Occupation As at 31 Dec 2015 ( In Billion IDR )

Agricultural

Industrial

30000000

2.5E+09

25000000

2E+09

20000000 1.5E+09 15000000 1E+09

10000000

500000000

5000000

0

0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

UY 2011

Commercial

UY 2012

UY 2013

UY 2014

UY 2015

Residential

1.2E+09

450000000 400000000

1E+09

350000000

800000000

300000000 250000000

600000000

200000000

400000000

150000000 100000000

200000000

50000000

0

0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

40

UY 2011

UY 2012

UY 2013

UY 2014

UY 2015



DESEMBER 2015

National Aggregate Exposure By Interest As At 31/12/2015 Table 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

964,636,938,461,406.00

44.74

803,366,230,827,750.00

40.72

1,047,976,449,936,970.00

37.99

1,309,788,135,616,960.00

41.85

747,992,807,686,287.00

41.04

Machinery

431,855,434,206,554.00

20.03

395,795,235,003,101.00

20.06

452,038,590,570,183.00

16.39

612,743,245,522,478.00

19.58

405,536,996,330,365.00

22.25

Others

253,362,856,163,071.00

11.75

309,385,767,345,939.00

15.68

473,865,700,970,931.00

17.18

356,581,166,164,815.00

11.39

263,341,168,696,044.00

14.45

Stock

284,263,173,188,283.00

13.18

280,925,942,837,511.00

14.24

338,385,871,353,396.00

12.27

554,041,822,020,660.00

17.70

249,219,235,711,724.00

13.67

Bussiness Interruption

221,869,323,619,690.00

10.29

183,626,376,144,946.00

9.31

446,342,720,330,248.00

16.18

296,476,339,292,249.00

9.47

156,632,198,826,607.00

8.59

2,155,987,725,639,000.00

100.00

1,973,099,552,159,250.00

100.00

2,758,609,333,161,730.00

100.00

3,129,630,708,617,160.00

100.00

1,822,722,407,251,030.00

100.00

T OT AL

41



DESEMBER 2015

National Aggregate Exposure By Interest As at 31 Dec 2015 ( In Billion IDR )

Building 1,400,000,000.00

Stock 500,000,000.00 450,000,000.00 400,000,000.00 350,000,000.00 300,000,000.00 250,000,000.00 200,000,000.00 150,000,000.00 100,000,000.00 50,000,000.00 -

1,200,000,000.00 1,000,000,000.00

800,000,000.00 600,000,000.00 400,000,000.00

200,000,000.00 UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

Machinery

Others

700,000,000.00

600,000,000.00

600,000,000.00

500,000,000.00

500,000,000.00

Business Interruption

400,000,000.00

400,000,000.00

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

300,000,000.00

300,000,000.00

500,000,000.00 450,000,000.00 400,000,000.00 350,000,000.00 300,000,000.00 250,000,000.00 200,000,000.00 150,000,000.00 100,000,000.00 50,000,000.00 -

200,000,000.00

200,000,000.00

100,000,000.00

100,000,000.00 -

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

42



DESEMBER 2015

National Aggregate Exposure By Province As At 31/12/2015 Table 2.4 In IDR Province

Cresta ID

U/Y 2011 Amount

U/Y 2012 %

U/Y 2013

Amount

%

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

01. NAD

IDN_AC

61,716,398,867,310.90

2.86

8,328,045,104,607.12

0.42

9,104,272,583,077.73

0.33

10,684,341,331,546.00

0.34

8,905,514,794,404.82

0.49

02. SUMATERA UTARA

IDN_SU

88,467,285,205,864.50

4.10

75,438,361,983,736.50

3.82

93,269,564,760,627.30

3.38

106,267,374,482,531.00

3.40

78,483,498,850,380.50

4.31

03. SUMATERA BARAT

IDN_SB

23,704,691,539,292.50

1.10

26,978,901,320,936.40

1.37

37,276,017,607,460.00

1.35

41,916,011,152,098.40

1.34

24,852,013,242,555.20

1.36

04. RIAU

IDN_RI

35,064,056,469,754.20

1.63

33,317,084,131,243.90

1.69

48,622,759,873,559.80

1.76

59,966,524,756,498.00

1.92

37,004,018,229,151.90

2.03

05. JAMBI

IDN_JA

8,231,659,638,051.55

0.38

10,930,184,488,529.80

0.55

11,015,468,275,121.30

0.40

12,121,835,907,101.70

0.39

6,686,715,402,019.63

0.37

06. SUMATERA SELATAN

IDN_SS

30,750,924,977,797.60

1.43

40,890,422,710,547.40

2.07

40,737,476,120,486.60

1.48

49,688,971,444,573.40

1.59

30,772,349,557,865.50

1.69

07. BENGKULU

IDN_BE

4,060,325,847,435.66

0.19

4,448,893,617,580.84

0.23

4,886,314,512,451.64

0.18

5,711,519,636,239.46

0.18

3,262,742,416,805.81

0.18

08. LAMPUNG

IDN_LA

27,534,812,464,501.00

1.28

28,315,157,587,973.60

1.44

26,866,384,742,224.30

0.97

39,579,836,435,191.50

1.26

28,041,795,014,093.90

1.54

09. KEP BANGKA-BELITUNG

IDN_BB

3,156,384,885,166.98

0.15

3,776,611,255,319.56

0.19

4,542,296,379,914.47

0.16

6,140,119,356,209.51

0.20

2,232,890,274,810.80

0.12

10. KEPULAUAN RIAU

IDN_KR

24,051,937,806,463.70

1.12

23,717,827,478,743.10

1.20

27,288,813,116,828.10

0.99

37,490,956,838,758.30

1.20

28,829,382,365,500.90

1.58

11. JAKARTA

IDN_JK

464,788,039,293,112.00

21.56

399,879,551,278,611.00

20.27

434,983,119,085,188.00

15.77

653,346,863,576,657.00

20.88

400,590,833,910,105.00

21.98

12. JAWA BARAT

IDN_JB

400,857,876,017,649.00

18.59

456,357,516,469,821.00

23.13

716,853,788,463,717.00

25.99

779,286,592,167,840.00

24.90

375,346,266,320,336.00

20.59

13. JAWA TENGAH

IDN_JT

121,725,177,084,954.00

5.65

107,551,714,874,341.00

5.45

142,741,347,599,224.00

5.17

151,658,220,515,281.00

4.85

142,586,981,118,763.00

7.82

14. DIY

IDN_YO

11,854,836,649,440.00

0.55

11,482,349,446,460.70

0.58

11,509,886,524,914.70

0.42

19,408,372,926,987.00

0.62

13,250,672,937,931.40

0.73

15. JAWA TIMUR

IDN_JI

387,941,546,339,995.00

17.99

293,178,288,366,452.00

14.86

367,477,902,794,074.00

13.32

442,132,426,338,508.00

14.13

205,653,167,802,295.00

11.28

16. BANTEN

IDN_BT

213,570,391,693,733.00

9.91

217,243,675,729,530.00

11.01

282,770,506,128,910.00

10.25

345,347,212,738,017.00

11.03

161,042,279,030,925.00

8.84

17. BALI

IDN_BA

43,280,980,532,299.20

2.01

50,159,299,948,333.30

2.54

301,760,633,873,829.00

10.94

73,416,767,191,302.00

2.35

62,059,574,927,091.90

3.40

18. NUSA TENGGARA BARAT IDN_NB

3,077,047,054,149.34

0.14

3,854,780,235,500.33

0.20

4,537,320,637,473.73

0.16

11,171,931,612,954.10

0.36

6,037,186,988,720.98

0.33

19. NUSA TENGGARA TIMUR

IDN_NT

1,617,483,032,767.29

0.08

2,139,957,825,720.15

0.11

1,782,340,075,512.98

0.06

2,577,499,186,907.01

0.08

2,377,643,731,501.45

0.13

20. KALIMANTAN BARAT

IDN_KB

7,209,974,391,744.74

0.33

6,322,259,558,617.00

0.32

8,027,257,135,438.02

0.29

13,246,042,292,778.20

0.42

3,018,581,562,548.95

0.17

21. KALIMANTAN TENGAH

IDN_KT

12,214,732,033,229.00

0.57

11,799,358,892,551.60

0.60

17,179,626,505,757.70

0.62

23,807,557,979,534.80

0.76

6,387,898,593,982.85

0.35

22. KALIMANTAN SELATAN

IDN_KS

28,151,320,447,496.90

1.31

14,657,547,575,615.70

0.74

37,160,737,599,470.90

1.35

32,817,881,685,114.40

1.05

16,685,324,501,539.90

0.92

23. KALIMANTAN TIMUR

IDN_KI

75,544,577,879,790.50

3.50

68,687,145,151,006.50

3.48

65,941,656,706,604.60

2.39

63,855,464,260,856.80

2.04

34,668,353,287,897.00

1.90

24. SULAWESI UTARA

IDN_SA

20,475,241,127,098.30

0.95

11,236,279,514,549.50

0.57

16,538,329,588,746.10

0.60

15,918,780,751,070.50

0.51

11,869,292,799,006.40

0.65

25. SULAWESI TENGAH

IDN_ST

2,234,831,075,451.70

0.10

2,137,386,276,386.25

0.11

4,208,592,384,307.53

0.15

3,853,936,451,909.42

0.12

7,134,622,656,599.68

0.39

26. SULAWESI SELATAN

IDN_SN

24,508,942,520,664.60

1.14

26,801,926,792,795.70

1.36

27,614,973,309,509.10

1.00

92,308,103,223,049.40

2.95

94,126,203,200,600.60

5.16

27. SULAWESI TENGGARA

IDN_SG

9,114,245,475,615.48

0.42

9,055,150,591,377.57

0.46

1,532,875,623,593.63

0.06

18,106,049,595,429.50

0.58

15,862,458,752,180.40

0.87

28. GORONTALO

IDN_GO

12,799,702,686,629.60

0.59

14,073,410,601,299.70

0.71

2,135,292,082,312.58

0.08

2,734,228,969,925.40

0.09

1,002,391,056,259.39

0.05

29. SULAWESI BARAT

IDN_SR

953,016,177,663.56

0.04

1,119,431,627,504.72

0.06

1,286,900,043,154.22

0.05

3,027,562,969,047.09

0.10

3,091,288,384,234.59

0.17

30. MALUKU

IDN_MA

1,012,162,473,294.66

0.05

1,326,848,149,671.43

0.07

1,871,357,567,995.64

0.07

2,499,735,342,360.51

0.08

2,388,888,853,481.87

0.13

31. MALUKU UTARA

IDN_MU

599,594,466,006.82

0.03

802,069,815,352.22

0.04

565,878,427,258.84

0.02

1,026,211,576,283.50

0.03

1,087,390,465,698.46

0.06

32. PAPUA BARAT

IDN_PB

2,191,055,888,141.29

0.10

3,445,075,692,356.94

0.17

2,612,323,243,092.17

0.09

2,898,313,012,537.56

0.09

2,634,733,781,755.25

0.14

33. PAPUA

IDN_PA

3,526,473,596,439.34

0.16

3,647,038,066,176.26

0.18

3,907,319,789,896.27

0.14

5,617,462,912,063.56

0.18

4,104,700,772,453.39

0.23

34. KALIMANTAN UTARA

IDN_KU

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

644,751,667,527.45

0.04

2,155,987,725,639,000.00

100.00

1,973,099,552,159,250.00

100.00

2,758,609,333,161,730.00

100.00

3,129,630,708,617,160.00

100.00

1,822,722,407,251,030.00

100.00

T OT AL

43



DESEMBER 2015

National Aggregate Exposure By Class Construction As At 31/12/2015 Table 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

%

1,858,059,120,137,000.00

86.18

1,738,627,820,027,860.00

88.12

2,542,187,717,911,810.00

92.15

2,805,977,495,037,570.00

89.66

1,602,205,998,376,660.00

264,191,573,915,759.00

12.25

194,566,317,263,428.00

9.86

176,216,578,520,602.00

6.39

266,993,405,173,474.00

8.53

179,870,408,425,736.00

9.87

947,295,810,660.85

0.04

5,130,184,640,992.94

0.26

4,717,455,319,853.24

0.17

1,468,042,485,416.91

0.05

-2,702,407,810,230.05

-0.15

32,716,734,713,398.10

1.52

34,704,186,585,887.70

1.76

35,448,301,280,080.50

1.29

55,077,562,276,650.60

1.76

43,322,397,007,948.60

2.38

73,001,062,189.00

0.003

71,043,641,075.00

0.00

39,280,129,388.00

0.00

114,203,644,055.00

0.00

26,011,250,910.00

0.00

2,155,987,725,639,000.00

100.00

1,973,099,552,159,250.00

100.00

2,758,609,333,161,730.00

100.00

3,129,630,708,617,160.00

100.00

1,822,722,407,251,030.00

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

44

87.90



DESEMBER 2015

National Aggregate Exposure By Class Construction As at 31 Dec 2015 (in Billion IDR)

Com: Steel‎, ‎Wood‎, ‎RC‎‎≤ ‎9 ‎storeys 3,000,000,000.00

Com: Others 6,000,000.00 5,000,000.00

2,500,000,000.00

4,000,000.00

3,000,000.00

2,000,000,000.00

2,000,000.00

1,500,000,000.00

1,000,000.00 -

1,000,000,000.00

(1,000,000.00)

500,000,000.00

UY 2011

UY 2012

UY 2013

UY 2014

120,000.00

(2,000,000.00)

100,000.00

(3,000,000.00)

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

(4,000,000.00)

Com: Steel‎, ‎Wood‎, ‎RC‎‎> ‎9 ‎storeys

DW: ‎Others

UY 2015

80,000.00 60,000.00

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎storeys

300,000,000.00

60,000,000.00

40,000.00

250,000,000.00

50,000,000.00

20,000.00

200,000,000.00

40,000,000.00

150,000,000.00

30,000,000.00

100,000,000.00

20,000,000.00

50,000,000.00

10,000,000.00

UY 2011

-

UY 2012

UY 2013

UY 2014

UY 2015

-

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

UY 2011

UY 2012

45

UY 2013

UY 2014

UY 2015



DESEMBER 2015

National Gross Premium By Cresta Zone As At 31/12/2015 Tab le 3.1

in IDR

Cresta Zone

U/Y 2011

(dalam format lama)

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

BANDA ACEH

1.1

7,616,473,677.40

0.27

7,353,733,470.29

0.27

8,780,371,316.98

0.19

12,995,081,088.46

0.26

10,564,090,021.28

0.40

MEDAN

1.2

54,849,290,878.55

1.94

49,823,429,099.22

1.83

65,225,046,946.91

1.44

76,207,400,590.46

1.52

61,564,400,728.66

2.34

OTHERS

1.3

132,329,486,203.50

4.69

52,403,581,223.16

1.93

76,054,243,381.62

1.68

91,589,350,146.51

1.83

66,163,059,255.81

2.51

NORTH SUMATERA

1

194,795,250,759.45

6.90

109,580,743,792.67

4.03

150,059,661,645.51

3.31

180,791,831,825.43

3.61

138,291,550,005.75

5.25

PADANG

2.1

30,869,624,074.28

1.09

35,748,398,735.55

1.31

52,284,018,726.18

1.15

58,666,890,741.35

1.17

36,542,899,530.75

1.39

PALEMBANG

2.2

14,648,819,921.46

0.52

17,769,518,269.29

0.65

24,539,765,502.34

0.54

22,757,855,567.55

0.45

7,580,936,916.02

0.29

OTHERS

2.3

138,546,777,880.38

4.91

156,175,313,138.85

5.74

195,024,370,402.77

4.30

265,615,576,858.19

5.31

181,363,847,654.70

6.88

SOUTH SUMATERA

2

184,065,221,876.12

6.52

209,693,230,143.69

7.71

271,848,154,631.29

6.00

347,040,323,167.09

6.93

225,487,684,101.47

8.56

JAKARTA

3.1

670,417,956,234.69

23.75

599,721,638,263.18

22.05

701,096,622,582.21

15.48

1,087,658,403,638.51

21.73

619,324,045,433.54

23.51

BANDUNG

3.2

10,069,205,917.11

0.36

16,554,802,345.44

0.61

16,522,055,418.67

0.36

18,976,382,860.98

0.38

17,847,314,134.22

0.68

OTHERS

3.3

837,118,673,264.09

29.65

967,715,936,592.74

35.58

1,696,236,956,243.95

37.44

1,975,113,030,396.92

39.47

800,190,254,092.11

30.37

WEST JAVA

3

1,517,605,835,415.89

53.75

1,583,992,377,201.36

58.24

2,413,855,634,244.83

53.28

3,081,747,816,896.41

61.58

1,437,361,613,659.87

54.55

SEMARANG

4.1

7,986,696,304.55

0.28

8,884,617,313.31

0.33

11,846,771,139.16

0.26

12,310,148,889.22

0.25

8,937,587,998.21

0.34

YOGYAKARTA

4.2

15,336,936,026.90

0.54

14,027,570,399.90

0.52

13,357,450,597.89

0.29

21,774,445,837.92

0.44

14,920,043,128.38

0.57

OTHERS

4.3

146,322,144,818.04

5.18

128,668,121,640.91

4.73

186,297,205,222.13

4.11

209,765,350,236.20

4.19

183,155,966,851.37

6.95

CENTRAL JAVA

4

169,645,777,149.49

6.01

151,580,309,354.12

5.57

211,501,426,959.18

4.67

243,849,944,963.34

4.87

207,013,597,977.96

7.86

SURABAYA

5.1

110,500,306,327.69

3.91

65,668,068,636.45

2.41

220,175,599,260.80

4.86

111,601,144,990.16

2.23

51,602,830,871.62

1.96

OTHERS

5.2

360,772,475,625.37

12.78

314,027,084,980.74

11.55

342,531,106,458.03

7.56

528,337,701,144.72

10.56

198,110,243,193.61

7.52

EAST JAVA

5

471,272,781,953.06

16.69

379,695,153,617.19

13.96

562,706,705,718.83

12.42

639,938,846,134.88

12.79

249,713,074,065.23

9.48

KALIMANTAN

6

103,644,783,974.23

3.67

93,902,425,158.81

3.45

133,742,522,561.26

2.95

137,756,004,917.57

2.75

58,013,933,042.66

2.20

UJUNG PANDANG

7.1

9,478,927,946.13

0.34

9,994,887,306.13

0.37

14,247,891,005.40

0.31

26,245,803,418.06

0.52

11,691,544,600.59

0.44

OTHERS

7.2

93,690,275,855.82

3.32

82,745,164,276.72

3.04

63,785,666,401.65

1.41

180,816,145,160.67

3.61

178,384,787,698.57

6.77

SULAWESI

7

103,169,203,801.95

3.65

92,740,051,582.85

3.41

78,033,557,407.05

1.72

207,061,948,578.73

4.14

190,076,332,299.16

7.21

OTHER ISLANDS

8

79,157,345,116.55

2.80

98,425,557,540.66

3.62

708,554,485,188.98

15.64

166,333,019,400.85

3.32

128,893,428,905.86

4.89

2,823,356,200,046.74

100.00

2,719,609,848,391.35

100.00

4,530,302,148,356.93

100.00

5,004,519,735,884.30

100.00

2,634,851,214,057.96

100.00

T OT AL

46



DESEMBER 2015

National Gross Premium By Cresta Zone As at 31 Dec 2015 (in Billion IDR)

North Sumatera 250000

South Sumatera 400000

200000

300000

150000

200000

100000 50000

100000

0

0 UY 2011UY 2012UY 2013UY 2014UY 2015

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

East Java 700000 600000 500000 400000 300000 200000 100000 0

West Java 3500000 3000000 2500000 2000000 1500000 1000000 500000 0

300000

250000 200000

150000 100000

50000 UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

Kalimantan 150000

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

Other Islands 800000

200000

600000

150000

400000

100000

50000

200000

50000 0

UY 2011UY 2012UY 2013UY 2014UY 2015

0

Sulawesi 250000

100000

Central Java

0 UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

0 UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

47

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015



DESEMBER 2015

National Gross Premium By Occupation As At 31/12/2015 in IDR

Tab le 3.2

U/Y 2011

Occupation

Amount

U/Y 2013

U/Y 2012 %

Amount

%

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

AGRICULTURAL

A

23,897,315,368.61

0.85

29,419,229,652.86

1.08

35,250,816,165.82

0.78

27,772,331,433.35

0.55

15,344,912,446.26

0.58

COMMERCIAL

C

758,198,676,977.93

26.85

657,724,459,784.09

24.18

1,812,094,729,943.74

40.00

1,084,871,598,240.14

21.68

821,489,763,195.80

31.18

INDUSTRIAL

I

1,698,851,218,876.43

60.17

1,685,920,054,092.97

61.99

2,209,696,178,360.79

48.78

3,251,978,319,802.40

64.98

1,440,561,414,805.61

54.67

RESIDENTIAL T OT AL

R

342,408,988,823.76

12.13

346,546,104,861.43

12.74

473,260,423,886.57

10.45

639,897,486,408.40

12.79

357,455,123,610.31

13.57

2,823,356,200,046.73

100.00

2,719,609,848,391.35

100.00

4,530,302,148,356.92

100.00

5,004,519,735,884.29

100.00

2,634,851,214,057.98

100.00

48



DESEMBER 2015

National Gross Premium By Occupation As at 31 Dec 2015 ( In Billion IDR )

Agricultural

Industrial

40000

3500000

35000

3000000

30000

2500000

25000 2000000

20000

1500000

15000 10000

1000000

5000

500000

0

0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

UY 2011

Commercial

UY 2012

UY 2013

UY 2014

UY 2015

UY 2014

UY 2015

Residential

2000000

700000

1800000

600000

1600000 1400000

500000

1200000

400000 2010

1000000

300000

800000

2010

600000

200000

400000

100000

200000 0

0

UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

UY 2011

49

UY 2012

UY 2013



DESEMBER 2015

National Gross Premium By Interest As At 31/12/2015 in IDR

Table 3.3

Occupation

U/Y 2011 Amount

Building Machinery Others Stock Bussiness Interruption T OT AL

U/Y 2013

U/Y 2012 %

Amount

%

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

1,295,117,991,211.11

45.87

1,108,708,802,958.85

40.77

1,632,053,513,910.09

36.03

2,070,380,266,992.29

41.37

1,100,041,681,992.61

41.75

560,722,055,900.04

19.86

540,269,471,359.22

19.87

694,709,297,642.89

15.33

966,155,697,888.76

19.31

582,333,725,440.63

22.10

324,860,640,920.11

11.51

452,576,322,234.59

16.64

789,469,324,885.96

17.43

568,448,009,230.53

11.36

378,926,682,444.17

14.38

367,123,685,812.90

13.00

376,995,238,769.60

13.86

510,983,066,167.95

11.28

913,996,189,203.29

18.26

345,688,323,763.26

13.12

275,531,826,202.57

9.76

241,060,013,069.09

8.86

903,086,945,750.02

19.93

485,539,572,569.41

9.70

227,860,800,417.30

8.65

2,823,356,200,046.73

100.00

2,719,609,848,391.35

100.00

4,530,302,148,356.91

100.00

5,004,519,735,884.28

100.00

2,634,851,214,057.97

100.00

50



DESEMBER 2015

National Gross Premium By Interest As at 31 Dec 2015 ( In Billion IDR )

Building

Stock

2,500,000.00

900,000.00 800,000.00

2,000,000.00

700,000.00 600,000.00

1,500,000.00

500,000.00

400,000.00

1,000,000.00

300,000.00 200,000.00

500,000.00

100,000.00 -

Business Interruption

UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

UY 2011

Machinery

UY 2012

UY 2013

UY 2014

UY 2015

Others

1,200,000.00

1,000,000.00 900,000.00 800,000.00 700,000.00 600,000.00 500,000.00 400,000.00 300,000.00 200,000.00 100,000.00 -

1,000,000.00 800,000.00 600,000.00 400,000.00 200,000.00 UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

1,000,000.00 900,000.00 800,000.00 700,000.00 600,000.00 500,000.00 400,000.00 300,000.00 200,000.00 100,000.00 UY 2011

UY 2011

UY 2012

51

UY 2013

UY 2014

UY 2012

UY 2013

UY 2014

UY 2015

UY 2015



DESEMBER 2015

National Gross Premium By Province As At 31/12/2015 Table 3.4 In IDR Province

Cresta ID

U/Y 2011 Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

01. NAD

IDN_AC

87,633,935,480.81

3.10

12,523,921,214.65

0.46

16,231,025,129.86

0.36

20,935,060,517.78

0.42

17,016,016,687.95

0.65

02. SUMATERA UTARA

IDN_SU

107,161,315,278.64

3.80

97,056,822,578.02

3.57

133,828,636,515.65

2.95

159,856,771,307.65

3.19

121,275,533,317.79

4.60

03. SUMATERA BARAT

IDN_SB

41,473,602,473.02

1.47

48,518,954,062.83

1.78

71,141,978,233.12

1.57

80,721,677,801.59

1.61

47,439,853,805.82

1.80

04. RIAU

IDN_RI

35,256,215,244.00

1.25

35,296,937,565.14

1.30

56,979,055,841.98

1.26

69,841,953,895.14

1.40

48,507,775,311.74

1.84

05. JAMBI

IDN_JA

8,038,465,820.08

0.28

10,843,210,998.52

0.40

12,481,421,219.16

0.28

14,012,153,478.39

0.28

7,502,995,161.28

0.28


IDN_SS

31,570,394,331.29

1.12

42,649,966,420.04

1.57

47,953,304,315.00

1.06

62,628,115,452.01

1.25

41,348,321,814.57

1.57

07. BENGKULU

IDN_BE

7,255,605,295.58

0.26

8,286,023,146.95

0.30

9,875,991,692.67

0.22

11,671,067,500.98

0.23

6,074,673,389.43

0.23

08. LAMPUNG

IDN_LA

37,249,898,677.14

1.32

40,021,662,431.05

1.47

41,038,967,480.96

0.91

61,831,112,764.61

1.24

43,015,395,386.76

1.63


IDN_BB

2,757,422,298.01

0.10

3,403,314,549.65

0.13

4,414,703,469.30

0.10

6,014,740,169.46

0.12

1,963,981,146.85

0.07

10. KEPULAUAN RIAU

IDN_KR

20,463,617,737.01

0.72

20,673,160,969.51

0.76

27,962,732,379.10

0.62

40,319,502,104.92

0.81

29,634,688,085.02

1.12

11. JAKARTA

IDN_JK

670,417,956,234.69

23.75

599,721,638,263.18

22.05

701,096,622,582.21

15.48

1,087,658,403,638.51

21.73

619,324,045,433.54

23.51

12. JAWA BARAT

IDN_JB

549,545,427,071.44

19.46

665,730,866,315.09

24.48

1,231,532,142,152.88

27.18

1,382,231,565,258.96

27.62

562,797,055,687.53

21.36

13. JAWA TENGAH

IDN_JT

151,888,826,113.28

5.38

134,145,041,227.80

4.93

193,647,699,073.31

4.27

213,458,551,026.71

4.27

187,071,621,920.57

7.10

14. DIY

IDN_YO

17,756,951,036.21

0.63

17,435,268,126.32

0.64

17,853,727,885.88

0.39

30,391,393,936.62

0.61

19,941,976,057.40

0.76

15. JAWA TIMUR

IDN_JI

471,272,781,953.06

16.69

379,695,153,617.19

13.96

562,706,705,718.83

12.42

639,938,846,134.88

12.79

249,713,074,065.23

9.48

16. BANTEN

IDN_BT

297,642,452,109.76

10.54

318,539,872,623.08

11.71

481,226,869,509.74

10.62

611,857,847,998.94

12.23

255,240,512,538.80

9.69

17. BALI

IDN_BA

60,354,817,500.68

2.14

73,043,338,870.19

2.69

681,050,872,022.28

15.03

119,258,097,198.05

2.38

96,360,465,947.42

3.66

18. NUSA TENGGARA IDN_NB BARAT 19. NUSA TENGGARA TIMUR IDN_NT

5,152,954,498.64

0.18

7,135,196,375.48

0.26

8,853,742,003.67

0.20

21,092,698,850.38

0.42

11,094,570,509.22

0.42

2,433,951,389.85

0.09

3,302,437,014.52

0.12

2,880,547,559.24

0.06

4,322,361,499.67

0.09

3,841,249,091.36

0.15


IDN_KB

6,292,796,630.20

0.22

5,638,300,533.46

0.21

7,809,850,318.88

0.17

13,104,646,280.89

0.26

2,652,214,336.44

0.10


IDN_KT

10,262,245,474.31

0.36

10,685,121,241.15

0.39

17,820,732,332.84

0.39

24,693,404,208.47

0.49

5,539,096,657.81

0.21


IDN_KS

23,762,331,278.15

0.84

13,361,223,492.20

0.49

37,546,142,813.02

0.83

32,609,239,722.68

0.65

15,610,590,086.62

0.59


IDN_KI

63,327,410,591.57

2.24

64,217,779,892.00

2.36

70,565,797,096.52

1.56

67,348,714,705.53

1.35

33,649,815,948.21

1.28

24. SULAWESI UTARA

IDN_SA

37,726,468,368.21

1.34

21,121,736,576.79

0.78

34,255,767,713.33

0.76

32,802,739,566.30

0.66

23,203,992,332.37

0.88

25. SULAWESI TENGAH

IDN_ST

3,453,309,420.21

0.12

3,376,340,442.68

0.12

6,921,116,418.09

0.15

6,453,726,576.53

0.13

13,300,810,062.09

0.50


IDN_SN

24,634,050,796.95

0.87

27,818,954,830.73

1.02

28,523,570,653.53

0.63

130,073,023,237.58

2.60

131,656,425,999.57

5.00


IDN_SG

10,519,505,924.99

0.37

10,830,303,412.93

0.40

2,298,579,093.95

0.05

27,826,581,126.57

0.56

15,728,657,411.33

0.60

28. GORONTALO

IDN_GO

25,429,339,114.68

0.90

27,916,176,981.64

1.03

4,107,043,397.25

0.09

5,355,165,518.36

0.11

1,909,300,135.93

0.07

29. SULAWESI BARAT

IDN_SR

1,406,530,176.92

0.05

1,676,539,338.07

0.06

1,927,480,130.89

0.04

4,550,712,553.39

0.09

4,277,146,357.86

0.16

30. MALUKU

IDN_MA

1,761,141,005.57

0.06

2,444,193,617.83

0.09

3,558,415,760.22

0.08

4,857,064,768.69

0.10

4,656,397,197.41

0.18

31. MALUKU UTARA

IDN_MU

1,055,956,776.04

0.04

1,418,120,678.93

0.05

1,117,957,804.78

0.02

2,006,140,168.66

0.04

2,030,777,502.11

0.08

32. PAPUA BARAT

IDN_PB

3,177,814,430.49

0.11

5,138,537,640.92

0.19

4,219,806,774.84

0.09

4,759,418,263.98

0.10

4,137,235,753.06

0.16

33. PAPUA

IDN_PA

5,220,709,515.28

0.18

5,943,733,342.80

0.22

6,873,143,263.94

0.15

10,037,238,651.42

0.20

6,772,732,905.28

0.26


IDN_KU

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

562,216,013.58

0.02

T OT AL

2,823,356,200,046.76 100.00

2,719,609,848,391.34 100.00

52

4,530,302,148,356.92 100.00

5,004,519,735,884.30 100.00

2,634,851,214,057.95 100.00



DESEMBER 2015

National Gross Premium By Class Construction As At 31/12/2015 in IDR

Table 3.5

Class Construction

U/Y 2011 Amount

U/Y 2013

U/Y 2012 %

Amount

%

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

Com:‎Steel,‎Wood,‎RC‎≤‎9

2,386,188,632,579.04

84.52

2,355,214,163,531.87

86.60

4,181,648,763,901.93

92.30

4,458,629,679,805.49

89.09

2,289,716,442,218.27

86.90

Com: Steel, Wood, RC > 9

392,241,038,275.69

13.89

310,752,411,244.27

11.43

293,186,857,333.17

6.47

467,841,572,864.34

9.35

294,971,472,628.99

11.19

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

1,759,846,644.28

0.06

7,720,910,121.39

0.28

7,779,167,652.80

0.17

3,128,854,810.41

0.06

-8,682,845,635.04

-0.33

43,002,310,558.58

1.52

45,756,028,398.03

1.68

47,580,646,029.36

1.05

74,547,214,355.83

1.49

58,762,284,854.50

2.23

164,371,989.15

0.01

166,335,095.78

0.01

106,713,439.67

0.00

372,414,048.23

0.01

83,859,991.26

0.00

2,823,356,200,046.74

100.00

2,719,609,848,391.34

100.00

4,530,302,148,356.93

100.00

5,004,519,735,884.30

100.00

2,634,851,214,057.98

100.00





53



DESEMBER 2015

National Gross Premium By Class Construction As at 31 Dec 2015 (in Billion IDR)

Com: Others

Com: Steel, Wood, RC ≤ 9 5,000,000.00

10,000.00

4,500,000.00

8,000.00

4,000,000.00

6,000.00

3,500,000.00

4,000.00

3,000,000.00

2,000.00

2,500,000.00

-

2,000,000.00

(2,000.00)

1,500,000.00

UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

(4,000.00)

1,000,000.00

(6,000.00)

500,000.00

DW: ‎Others

(8,000.00)

UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

400.00

(10,000.00)

350.00


300.00


500,000.00

250.00

80,000.00

450,000.00

200.00

70,000.00

400,000.00

150.00

60,000.00

350,000.00 300,000.00

50,000.00

250,000.00

40,000.00

200,000.00

100.00 50.00 -

30,000.00

150,000.00

UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

20,000.00

100,000.00

10,000.00

50,000.00 -

UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

UY 2011

UY 2012

54

UY 2013

UY 2014

UY 2015



DESEMBER 2015

Number Of Risk By Cresta Zone As At 31/12/2015 Tab le 4.1

Cresta Zone

U/Y 2011

(dalam format lama)

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

BANDA ACEH

1.1

518

0.31%

589

0.34%

606

0.32%

628

0.28%

451

0.31%

MEDAN

1.2

5,777

3.48%

6,003

3.46%

6,616

3.50%

7,622

3.39%

5,463

3.79%

OTHERS

1.3

4,491

2.71%

4,663

2.69%

4,049

2.14%

5,413

2.41%

2,960

2.05%

NORTH SUMATERA

1

10,786

6.50%

11,255

6.50%

11,271

5.96%

13,663

6.08%

8,874

6.15%

PADANG

2.1

9,869

5.95%

10,643

6.14%

10,703

5.66%

12,644

5.63%

10,634

7.37%

PALEMBANG

2.2

1,443

0.87%

1,534

1,997

OTHERS

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%

36,708 21.18%

38,908 20.57%

WEST JAVA

3

73,877

44.52%

74,945

43.25%

88,706

46.89%

102,704

45.72%

SEMARANG

4.1

669

0.40%

806

0.47%

920

0.49%

1,221

YOGYAKARTA

4.2

2,155

1.30%

2,309

1.33%

2,192

1.16%

2,667

OTHERS

4.3

CENTRAL JAVA

4

SURABAYA OTHERS EAST JAVA

1,147

0.69%

0.89%

1,877

0.99%

17,392 10.04%

17,986

9.51%

29,569

30,566

16.16%

17.06%

36,250 20.92% 1,987

47,673 25.20%

1.15%

2,125

1.12%

0.89%

1,244

0.86%

22,746 10.13%

14,025

9.72%

37,387

25,903

17.96%

16.64%

50,628 22.54% 2,235

1.00%

49,841 22.19%

33,355 23.12% 1,978

1.37%

30,530 21.16% 65,863

45.66%

0.54%

700

0.49%

1.19%

1,974

1.37%

9,711

5.85%

10,344

5.97%

10,546

5.57%

15,348

6.83%

9,526

6.60%

12,535

7.55%

13,459

7.77%

13,658

7.22%

19,236

8.56%

12,200

8.46%

5.1

6,063

3.65%

6,193

3.57%

6,255

3.31%

6,485

2.89%

4,159

2.88%

5.2

7,287

4.39%

7,847

4.53%

8,456

4.47%

12,205

5.43%

6,173

4.28%

5

13,350

8.05%

14,040

8.10%

14,711

7.78%

18,690

8.32%

10,332

7.16%

KALIMANTAN

6

5,727

3.45%

7,642

4.41%

7,067

3.74%

7,457

3.32%

3,736

2.59%

UJUNG PANDANG

7.1

1,851

1.12%

1,915

1.11%

2,059

1.09%

2,078

0.93%

1,604

1.11%

OTHERS

7.2

7,029

4.24%

6,213

3.59%

6,271

3.31%

6,554

2.92%

3,736

2.59%

SULAWESI

7

8,880

5.35%

8,128

4.69%

8,330

4.40%

8,632

3.84%

5,340

3.70%

12,908

7.78%

14,236

8.22%

14,863

7.86%

16,852

7.50%

12,012

8.33%

165,940

100%

173,274

100%

189,172

100%

224,621

100%

144,260

100%

OTHER ISLANDS TOTAL

8

55



DESEMBER 2015

Number of Risk By Cresta Zone As at 31 Dec 2015

North Sumatera 15,000.00

South Sumatera

West Java

40,000.00

30,000.00

10,000.00

100,000.00

20,000.00

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

Kalimantan 10,000.00

15,000.00

8,000.00

8,000.00

6,000.00

6,000.00

4,000.00

4,000.00

2,000.00

2,000.00

-

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

Sulawesi

10,000.00

5,000.00

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

20,000.00

10,000.00

5,000.00

20,000.00

-

East Java

10,000.00

40,000.00

10,000.00

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

15,000.00

60,000.00

5,000.00 -

25,000.00

80,000.00

20,000.00

Central Java

120,000.00

15,000.00 10,000.00 5,000.00

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

56

Other Islands 20,000.00

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015



DESEMBER 2015

Number Of Risk By Occupation As At 31/12/2015 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

535

0.28

487

0.22

172

0.12

COMMERCIAL

C

91,426

55.10

94,471

54.52

100,579

53.17

116,563

51.89

70,863

49.12

INDUSTRIAL

I

14,997

9.04

17,184

9.92

18,427

9.74

18,513

8.24

11,185

7.75

RESIDENTIAL

R

59,138

35.64

61,199

35.32

69,631

36.81

89,058

39.65

62,040

43.01

165,940

100.00

173,274

100.00

189,172

100.00

224,621

100.00

144,260

100.00

TOTAL

57



DESEMBER 2015

Number of Risk By Occupation As at 31 Dec 2015

Industrial

Agricultural 20000

600.00

18000 500.00

16000 14000

400.00

12000 10000

300.00

8000 200.00

6000 4000

100.00

2000

0

UY 2011

UY 2012

UY 2013

UY 2014

UY 2011

UY 2015

UY 2012

UY 2013

UY 2014

UY 2015

Residential

Commercial 100000

140,000.00

90000

120,000.00

80000

70000

100,000.00

60000

80,000.00

50000

60,000.00

40000

40,000.00

30000 20000

20,000.00

10000

0

UY 2011

UY 2012

UY 2013

UY 2014

UY 2011

UY 2015

58

UY 2012

UY 2013

UY 2014

UY 2015



DESEMBER 2015

Number Of Risk By Class Construction As At 31/12/2015 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

121,862

70.33

139,688

73.84

155,501

69.23

100,464

69.64


4,312

2.60

5,613

3.24

5,220

2.76

19,188

8.54

5,827

4.04

Com: Others

4,436

2.67

10,410

6.01

10,115

5.35

1,655

0.74

704

0.49

35,795

21.57

35,214

20.32

34,053

18.00

47,979

21.36

37,179

25.77

161

0.10

175

0.10

96

0.05

298

0.13

86

0.06

165,940

100.00

173,274

100.00

189,172

100.00

224,621

100.00

144,260

100.00

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

TOTAL





59



DESEMBER 2015

Number of Risk By Class Construction As at 31 Dec 2015

Com: Steel, Wood, RC ≤ 9 200000

Com: Others 12000 10000

150000

8000

100000

6000

DW: ‎Others

4000

50000

2000

0

0 UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015


Com: Steel, Wood, RC > 9 25000

60000

20000

50000

350 300 250 200 150 100 50 0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

40000

15000

30000

10000

20000

5000

10000 0

0 UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

60



DESEMBER 2015

Number of Risk By Province As At 31/12/2015 Table 4.4

Province

Cresta ID

U/Y 2011 Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

01. NAD

IDN_AC

2,197.00

1.32

1,932.00

1.11

1,630.00

0.86

1,982.00

0.88

1,182.00

02. SUMATERA UTARA

IDN_SU

8,589.00

5.18

9,323.00

5.38

9,641.00

5.10

11,681.00

5.20

7,692.00

5.33

03. SUMATERA BARAT

IDN_SB

14,192.00

8.55

15,238.00

8.79

15,457.00

8.17

17,571.00

7.82

14,488.00

10.04

04. RIAU

IDN_RI

3,204.00

1.93

3,527.00

2.04

3,564.00

1.88

4,348.00

1.94

2,688.00

1.86

05. JAMBI

IDN_JA

1,334.00

0.80

1,659.00

0.96

1,939.00

1.02

2,364.00

1.05

1,234.00

0.86


IDN_SS

2,059.00

1.24

2,333.00

1.35

2,910.00

1.54

4,078.00

1.82

1,944.00

1.35

07. BENGKULU

IDN_BE

2,564.00

1.55

2,101.00

1.21

1,829.00

0.97

2,237.00

1.00

1,752.00

1.21

08. LAMPUNG

IDN_LA

2,956.00

1.78

3,023.00

1.74

3,077.00

1.63

4,325.00

1.93

2,463.00

1.71


IDN_BB

329.00

0.20

523.00

0.30

491.00

0.26

818.00

0.36

338.00

0.23

10. KEPULAUAN RIAU

IDN_KR

1,239.00

0.75

1,165.00

0.67

1,299.00

0.69

1,646.00

0.73

996.00

0.69

11. JAKARTA

IDN_JK

38,645.00

23.29

36,250.00

20.92

47,673.00

25.20

50,628.00

22.54

33,355.00

23.12

12. JAWA BARAT

IDN_JB

24,616.00

14.83

27,276.00

15.74

28,608.00

15.12

36,129.00

16.08

22,335.00

15.48

13. JAWA TENGAH

IDN_JT

9,484.00

5.72

10,200.00

5.89

10,226.00

5.41

14,744.00

6.56

8,758.00

6.07

14. DIY

IDN_YO

3,051.00

1.84

3,259.00

1.88

3,432.00

1.81

4,492.00

2.00

3,442.00

2.39

15. JAWA TIMUR

IDN_JI

13,350.00

8.05

14,040.00

8.10

14,711.00

7.78

18,690.00

8.32

10,332.00

7.16

16. BANTEN

IDN_BT

10,616.00

6.40

11,419.00

6.59

12,425.00

6.57

15,947.00

7.10

10,173.00

7.05

17. BALI

IDN_BA

7,026.00

4.23

7,589.00

4.38

8,075.00

4.27

9,825.00

4.37

7,378.00

5.11

18. NUSA TENGGARA BARAT

IDN_NB

1,365.00

0.82

1,478.00

0.85

1,363.00

0.72

1,835.00

0.82

1,004.00

0.70


IDN_NT

762.00

0.46

971.00

0.56

763.00

0.40

614.00

0.27

419.00

0.29


IDN_KB

911.00

0.55

1,823.00

1.05

1,072.00

0.57

1,659.00

0.74

643.00

0.45


IDN_KT

637.00

0.38

699.00

0.40

691.00

0.37

852.00

0.38

400.00

0.28


IDN_KS

1,020.00

0.61

1,279.00

0.74

1,253.00

0.66

1,724.00

0.77

824.00

0.57


IDN_KI

3,159.00

1.90

3,841.00

2.22

4,051.00

2.14

3,222.00

1.43

1,822.00

1.26

24. SULAWESI UTARA

IDN_SA

2,449.00

1.48

1,864.00

1.08

1,859.00

0.98

2,285.00

1.02

1,535.00

1.06

25. SULAWESI TENGAH

IDN_ST

1,539.00

0.93

1,231.00

0.71

1,313.00

0.69

990.00

0.44

769.00

0.53


IDN_SN

2,955.00

1.78

3,191.00

1.84

3,408.00

1.80

3,921.00

1.75

2,244.00

1.56


IDN_SG

541.00

0.33

577.00

0.33

610.00

0.32

643.00

0.29

364.00

0.25

28. GORONTALO

IDN_GO

1,157.00

0.70

1,011.00

0.58

829.00

0.44

591.00

0.26

346.00

0.24

29. SULAWESI BARAT

IDN_SR

239.00

0.14

254.00

0.15

311.00

0.16

202.00

0.09

82.00

0.06

30. MALUKU

IDN_MA

403.00

0.24

512.00

0.30

617.00

0.33

775.00

0.35

561.00

0.39

31. MALUKU UTARA

IDN_MU

430.00

0.26

425.00

0.25

377.00

0.20

406.00

0.18

268.00

0.19

32. PAPUA BARAT

IDN_PB

1,213.00

0.73

1,261.00

0.73

1,344.00

0.71

1,369.00

0.61

923.00

0.64

33. PAPUA

IDN_PA

1,709.00

1.03

2,000.00

1.15

2,324.00

1.23

2,028.00

0.90

1,459.00

1.01


-

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

47.00

0.03

165,940.00

100.00

173,274.00

100.00

189,172.00

100.00

224,621.00

100.00

144,260.00

100.00

T OT AL

61

0.82



DESEMBER 2015

Claim Frequency by Cresta Zone As At 31/12/2015 Table 5.1

U/Y 2011

Cresta Zone

Amount

(dalam format lama)

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

%

BANDA ACEH

1.1

4

4%

6

38%

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

50% 0%

1 1

2% 2%

0 2

0% 14%

0 0

0% 0%

PALEMBANG

2.2

0

0%

0

0%

0

0%

0

0%

0

0%

OTHERS

2.3

10

11%

1

6%

1

2%

0

0%

0

0%

SOUTH SUMATERA JAKARTA

2 3.1

15 0

17% 0%

1 0

6% 0%

2 0

3% 0%

2 0

14% 0%

0 0

0% 0%

BANDUNG

3.2

1

1%

0

0%

1

2%

0

0%

0

0%

OTHERS

3.3

1

1%

1

6%

0

0%

0

0%

1

5%

WEST JAVA SEMARANG

3 4.1

2 0

2% 0%

1 0

6% 0%

1 0

2% 0%

0 0

0% 0%

1 0

5% 0%

YOGYAKARTA

4.2

0

0%

0

0%

5

8%

0

0%

0

0%

OTHERS

4.3

0

0%

0

0%

6

10%

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%

41

69%

3

21%

0

0%

EAST JAVA KALIMANTAN

5 6

0 0

0% 0%

0 0

0% 0%

41 0

69% 0%

3 0

21% 0%

0 1

0% 5%

UJUNG PANDANG

7.1

0

0%

0

0%

0

0%

0

0%

0

0%

OTHERS

7.2

1

1%

3

19%

0

0%

3

21%

0

0%

SULAWESI OTHER ISLANDS

7 8

1 57

1% 64%

3 3

19% 19%

0 3

0% 5%

3 6

21% 43%

0 19

0% 90%

89

100%

16

100%

59

100%

14

100%

21

100%

TOTAL

62



DESEMBER 2015

Claim Frequency By Cresta Zone As at 31 December 2015

North Sumatera

South Sumatera

16

16

14

14

12

12

10

10

8

8

6

6

4

4

2

Central Java

West Java 12

2.5

10

2

8 1.5 6

1 4 0.5

2

2

0

0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

0

0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

UY 2011

UY 2012

Kalimantan

East Java 45 40

UY 2013

UY 2014

UY 2012

Sulawesi 3.5

60

1

3

50

2.5

0.8

UY 2013

UY 2014

UY 2015

UY 2014

UY 2015

Other Islands

1.2

35 30

UY 2011

UY 2015

40

2

25

0.6

30

20

1.5 0.4

15 10

0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

10

0.5

5 0

20

1

0.2

0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

0 UY 2011

63

UY 2012

UY 2013

UY 2014

UY 2015

UY 2011

UY 2012

UY 2013



DESEMBER 2015

Claim Frequency by Occupation As At 31/12/2015 Tab le 5.2

Okupasi / Occupation

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

AGRICULTURAL / Agricultural

A

0

0

0

0

0

COMMERCIAL / Commercial

C

64

15

47

10

14

INDUSTRIAL / Industrial

I

0

0

5

1

0

RESIDENTIAL / Residential

R

25

1

7

3

7

89

16

59

14

21

Jumlah / Total

64



DESEMBER 2015

Claim Frequency By Occupation As at 31 December 2015 Commercial

Agricultural 70

1 0.9

60

0.8

0.7

50

0.6

40

0.5

30

0.4 0.3

20

0.2

10

0.1

0

0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2011

UY 2015

UY 2012

UY 2013

UY 2014

UY 2015

UY 2014

UY 2015

Residential

Industrial 6

30

5

25

4

20

3

15

2

10

1

5 0

0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2011

UY 2015

65

UY 2012

UY 2013



DESEMBER 2015

Claim Frequency by Province As At 31/12/2015 Tab le 5.3

In IDR Province

Cresta ID

U/Y 2011

U/Y 2012

Amount

%

U/Y 2014

U/Y 2013

Amount

%

Amount

%

Amount

U/Y 2015 %

Amount

%

01. NAD

IDN_AC

11.00

12.36

8.00

50.00

2.00

3.39

0.00

0.00

0.00

0.00

02. SUMATERA UTARA

IDN_SU

10.00

11.24

4.00

25.00

0.00

0.00

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

IDN_SB

4.00

4.49

0.00

0.00

2.00

3.39

2.00

14.29

0.00

0.00

04. RIAU

IDN_RI

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_SS

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

5.00

5.62

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_BB

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

2.00

2.25

0.00

0.00

1.00

1.69

0.00

0.00

1.00

4.76

13. JAWA TENGAH

IDN_JT

0.00

0.00

0.00

0.00

1.00

1.69

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

0.00

0.00

0.00

0.00

4.00

6.78

0.00

0.00

0.00

0.00

15. JAWA TIMUR

IDN_JI

0.00

0.00

0.00

0.00

48.00

81.36

3.00

21.43

0.00

0.00

16. BANTEN

IDN_BT

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

56.00

62.92

1.00

6.25

0.00

0.00

1.00

7.14

1.00

4.76


IDN_NB

0.00

0.00

0.00

0.00

1.00

1.69

0.00

0.00

0.00

0.00


IDN_NT

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_KB

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_KT

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_KS

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_KI

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

1.00

4.76

24. SULAWESI UTARA

IDN_SA

0.00

0.00

1.00

6.25

0.00

0.00

3.00

21.43

0.00

0.00

25. SULAWESI TENGAH

IDN_ST

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_SN

1.00

1.12

2.00

12.50

0.00

0.00

0.00

0.00

0.00

0.00


IDN_SG

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

0.00

0.00

0.00

0.00

0.00

0.00

4.00

28.57

15.00

71.43

33. PAPUA

IDN_PA

0.00

0.00

0.00

0.00

0.00

0.00

1.00

7.14

3.00

14.29


IDN_KU

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

T OT AL

89.00 100.00

16.00 100.00

66

59.00 100.00

14.00 100.00

21.00 100.00



DESEMBER 2015

Claim by Cresta Zone As At 31/12/2015 Tab le 5.4

In IDR

Cresta Zone

U/Y 2011

U/Y 2012

Jumlah

(dalam format lama)

%

U/Y 2013

Jumlah

%

U/Y 2014

Jumlah

%

Jumlah

U/Y 2015 %

Jumlah

%

BANDA ACEH

1.1

379,114,498.20

3.80

1,338,645,096.00

70.23

21,000,000.00

0.01

0.00

0.00

0.00

0.00

MEDAN

1.2

96,659,672.63

0.97

14,936,201.00

0.78

0.00

0.00

0.00

0.00

0.00

0.00

OTHERS

1.3

170,435,941.60

1.71

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

NORTH SUMATERA

1

646,210,112.43

6.48

1,353,581,297.00

71.02

21,000,000.00

0.01

0.00

0.00

0.00

0.00

PADANG

2.1

29,390,800.00

0.29

0.00

0.00

6,710,774.00

0.00

17,491,400.00

1.87

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

4,240,833,936.00

42.56

28,314,000.00

1.49

3,997,822.00

0.00

0.00

0.00

0.00

0.00

SOUTH SUMATERA

2

4,270,224,736.00

42.85

28,314,000.00

1.49

10,708,596.00

0.00

17,491,400.00

1.87

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

0.68

0.00

0.00

22,511,000.00

0.01

0.00

0.00

0.00

0.00

OTHERS

3.3

7,100,000.00

0.07

17,438,200.00

0.91

0.00

0.00

0.00

0.00

1,100,000,000.00

25.66

WEST JAVA

3

74,453,075.00

0.75

17,438,200.00

0.91

22,511,000.00

0.01

0.00

0.00

1,100,000,000.00

25.66

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

1,505,206,421.00

0.52

0.00

0.00

0.00

0.00

OTHERS

4.3

0.00

0.00

0.00

0.00

9,125,734,300.44

3.17

0.00

0.00

0.00

0.00

CENTRAL JAVA

4

0.00

0.00

0.00

0.00

10,630,940,721.44

3.69

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

277,169,671,601.76

96.28

111,029,676.05

11.87

0.00

0.00

EAST JAVA

5

0.00

0.00

0.00

0.00

277,169,671,601.76

96.28

111,029,676.05

11.87

0.00

0.00

KALIMANTAN

6

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10,000,000.00

0.23

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

0.07

377,159,738.51

19.79

0.00

0.00

78,511,425.00

8.40

0.00

0.00

SULAWESI

7

6,662,800.00

0.07

377,159,738.51

19.79

0.00

0.00

78,511,425.00

8.40

0.00

0.00

OTHER ISLANDS

8

4,967,794,672.90

49.85

129,510,279.54

6.79

26,774,153.20

0.01

727,983,074.00

77.86

3,176,604,753.00

74.11

9,965,345,396.33

100.00

1,906,003,515.05

100.00

287,881,606,072.40

100.00

935,015,575.05

100.00

4,286,604,753.00

100.00

J UMLAH

67



DESEMBER 2015

Claim By Cresta Zone As at 31 December 2015 ( In Million IDR )

North Sumatera 1600 1400 1200 1000 800 600 400 200 0

3000 2000 1000 0

East Java

Kalimantan 1

250000

0.8

200000

0.2

50000 0

0 UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

6000 4000 2000 0

400 350 300 250 200 150 100 50 0

0.4

100000

8000

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

Sulawesi

0.6

150000

10000

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

300000

12000

80 70 60 50 40 30 20 10 0

4000

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

Central Java

West Java

South Sumatera 5000

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

68

Other Islands 6000 5000 4000 3000

2000 1000

0 UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015



DESEMBER 2015

Claim by Occupation As At 31/12/2015 Tab le 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

9,686,155,241.29

97.20

1,877,689,515.05

98.51

286,901,665,720.40

99.66

624,550,950.05

66.80

3,378,130,752.00

79.74

INDUSTRIAL

I

RESIDENTIAL

R

TOTAL

0.00

0.00

0.00

0.00

890,057,888.00

0.31

200,000,000.00

21.39

0.00

0.00

279,190,155.04

2.80

28,314,000.00

1.49

89,882,464.00

0.03

110,464,625.00

11.81

858,474,000.00

20.26

9,965,345,396.33

100.00

1,906,003,515.05

100.00

287,881,606,072.40

100.00

935,015,575.05

100.00

4,236,604,752.00

100.00

69



DESEMBER 2015

Claim By Occupation As at 31 December 2015 ( In Million IDR )

Industrial

Agricultural 1

1000

0.9

900

0.8

800

0.7

700

0.6

600

0.5

500

0.4

400

0.3

300

0.2

200

0.1

100

0

0 UY 2011

UY 2012

UY 2013

UY 2014

UY 2011

UY 2015

Commercial

UY 2012

UY 2013

UY 2014

UY 2015

UY 2014

UY 2015

Residential

350000

1,000.00

900.00

300000

800.00 250000

700.00

200000

600.00 500.00

150000

400.00

300.00

100000

200.00

50000

100.00

0

UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

UY 2011

70

UY 2012

UY 2013



DESEMBER 2015

Claim by Province As At 31/12/2015 Tab le 5.6

In IDR Province

Cresta ID

U/Y 2011

U/Y 2012

Amount

%

U/Y 2014

U/Y 2013

Amount

%

Amount

%

Amount

U/Y 2015 %

Amount

%

01. NAD

IDN_AC

4,545,911,521.33

45.62

1,384,397,296.00

72.63

24,004,968.00

0.01

0.00

0.00

0.00

0.00

02. SUMATERA UTARA

IDN_SU

393,949,527.10

3.95

82,118,384.00

4.31

0.00

0.00

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

IDN_SB

95,675,000.00

0.96

0.00

0.00

10,708,596.00

0.00

17,491,400.00

1.87

0.00

0.00

04. RIAU

IDN_RI

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_SS

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

30,898,800.00

0.31

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_BB

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

74,453,075.00

0.75

0.00

0.00

22,511,000.00

0.01

0.00

0.00

1,100,000,000.00

0.00

13. JAWA TENGAH

IDN_JT

0.00

0.00

0.00

0.00

36,698,640.00

0.01

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

0.00

0.00

0.00

0.00

905,206,421.00

0.31

0.00

0.00

0.00

0.00

15. JAWA TIMUR

IDN_JI

0.00

0.00

0.00

0.00

286,866,607,262.20

99.65

111,029,676.05

11.87

0.00

0.00

16. BANTEN

IDN_BT

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

4,817,794,672.90

48.35

62,328,096.54

3.27

0.00

0.00

15,745,036.00

1.68

5,000,000.00

0.00


IDN_NB

0.00

0.00

0.00

0.00

15,869,185.20

0.01

0.00

0.00

0.00

0.00


IDN_NT

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_KB

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_KT

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_KS

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_KI

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10,000,000.00

0.00

24. SULAWESI UTARA

IDN_SA

0.00

0.00

299,217,338.51

15.70

0.00

0.00

78,511,425.00

8.40

0.00

0.00

25. SULAWESI TENGAH

IDN_ST

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00


IDN_SN

6,662,800.00

0.07

77,942,400.00

4.09

0.00

0.00

0.00

0.00

0.00

0.00


IDN_SG

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

0.00

0.00

0.00

0.00

0.00

0.00

700,000,000.00

74.87

3,021,604,750.00

0.00

33. PAPUA

IDN_PA

0.00

0.00

0.00

0.00

0.00

0.00

12,238,038.00

1.31

150,000,003.00

0.00


IDN_KU

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

935,015,575.05 100.00

4,286,604,753.00

0.00

T OT AL

9,965,345,396.33 100.00

1,906,003,515.05 100.00

71

287,881,606,072.40 100.00



DESEMBER 2015

PT. Reasuransi MAIPARK Indonesia

RISK & LOSS PROFILE As At 31/12/2015 UNDERWRTING YEAR

:2011 -2015

OCCUPATION

:ALL

01/02/2016

PROCESSING DATE

SUM INSURED (BAND) (in million Rp) BAND

(a)

FROM

TO

(b)

(c)

GROSS PREMIUM (In million Rp)

NUMBER OF RISK

f (d)

F ∑(d) (e)

PERCENTAGE BAND (d)/∑(d)

CUM ∑(f)

(f)

(g)

rp

Rp ∑(h)

(h)

(i)

INCURED CLAIM (In million Rp)

CLAIM FREQUENCY

PERCENTAGE BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

LOSS RATIO

PERCENTAGE

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)

69,277.00

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

0.00

317,735.68

0.00

100.00

0.00

2.16

1

0.00 50.00

2

69,277.00

72



DESEMBER 2015



: 2015

OCCUPATION

: ALL

01/02/2016

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)

LOSS RATIO

PERCENTAGE


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

9,283.00

9,283.00

6.43

6.43

275.23

275.23

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

7,378.00

16,661.00

5.11

11.55

875.55

1,150.77

0.03

0.04

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

13,351.00

30,012.00

9.25

20.80

2,934.74

4,085.51

0.11

0.15

3.00

3.00

14.29

14.29

200.00

200.00

4.67

4.67

6.81

4.90

4

200.00 300.00

11,283.00

41,295.00

7.82

28.63

4,133.49

8,219.00

0.16

0.31

1.00

4.00

4.76

19.05

100.00

300.00

2.33

7.00

2.42

3.65

5

300.00 500.00

18,468.00

59,763.00

12.80

41.43

10,730.07

18,949.07

0.41

0.72

0.00

4.00

0.00

19.05

0.00

300.00

0.00

7.00

0.00

1.58

6

500.00 750.00

13,342.00

73,105.00

9.25

50.68

11,720.02

30,669.09

0.44

1.16

0.00

4.00

0.00

19.05

0.00

300.00

0.00

7.00

0.00

0.98

7

750.00 1,000.00

12,479.00

85,584.00

8.65

59.33

15,633.25

46,302.35

0.59

1.75

0.00

4.00

0.00

19.05

0.00

300.00

0.00

7.00

0.00

0.65

8

1,000.00 1,500.00

12,475.00

98,059.00

8.65

67.97

21,767.17

68,069.51

0.82

2.58

2.00

6.00

9.52

28.57

105.00

405.00

2.45

9.45

0.48

0.59

9

1,500.00 2,000.00

8,046.00 106,105.00

5.58

73.55

19,629.06

87,698.57

0.74

3.32

1.00

7.00

4.76

33.33

175.00

580.00

4.08

13.53

0.89

0.66

10

2,000.00 2,500.00

5,070.00 111,175.00

3.51

77.07

15,792.82

103,491.40

0.60

3.92

1.00

8.00

4.76

38.10

187.50

767.50

4.37

17.90

1.19

0.74

11

2,500.00 3,000.00

3,855.00 115,030.00

2.67

79.74

14,691.17

118,182.57

0.56

4.47

2.00

10.00

9.52

47.62

340.97

1,108.47

7.95

25.86

2.32

0.94

12

3,000.00 4,000.00

4,881.00 119,911.00

3.38

83.12

23,612.45

141,795.02

0.89

5.37

3.00

13.00

14.29

61.90

266.87

1,375.34

6.23

32.08

1.13

0.97

13

4,000.00 5,000.00

3,441.00 123,352.00

2.39

85.51

21,728.78

163,523.81

0.82

6.19

0.00

13.00

0.00

61.90

0.00

1,375.34

0.00

32.08

0.00

0.84

14

5,000.00 7,500.00

4,907.00 128,259.00

3.40

88.91

41,517.14

205,040.95

1.57

7.76

1.00

14.00

4.76

66.67

500.00

1,875.34

11.66

43.75

1.20

0.91

15

7,500.00 10,000.00

3,101.00 131,360.00

2.15

91.06

37,055.77

242,096.71

1.40

9.16

1.00

15.00

4.76

71.43

10.00

1,885.34

0.23

43.98

0.03

0.78

16

10,000.00 20,000.00

4,721.00 136,081.00

3.27

94.33

90,910.70

333,007.42

3.44

12.60

1.00

16.00

4.76

76.19

300.00

2,185.34

7.00

50.98

0.33

0.66

17

20,000.00 50,000.00

3,773.00 139,854.00

2.62

96.95

165,669.01

498,676.43

6.27

18.87

4.00

20.00

19.05

95.24

1,455.00

3,640.34

33.94

84.92

0.88

0.73

18

50,000.00 100,000.00

1,842.00 141,696.00

1.28

98.22

181,160.99

679,837.42

6.86

25.73

0.00

20.00

0.00

95.24

0.00

3,640.34

0.00

84.92

0.00

0.54

19

100,000.00 500,000.00

2,065.00 143,761.00

1.43

99.65

596,328.49

1,276,165.90

22.57

48.29

0.00

20.00

0.00

95.24

0.00

3,640.34

0.00

84.92

0.00

0.29

20

500,000.00 UP

499.00 144,260.00

0.35

100.00 1,366,384.10

2,642,550.01

51.71

100.00

1.00

21.00

4.76 100.00

646.26

4,286.60

15.08

100.00

0.05

0.16

73



DESEMBER 2015



: 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)

01/02/2016

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

17,692.00

17,692.00

7.88

7.88

567.75

567.75

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

15,493.00

33,185.00

6.90

14.77

1,833.14

2,400.89

0.04

0.05

2.00

2.00

14.29

14.29

62.24

62.24

6.66

6.66

3.40

2.59

3

100.00 200.00

19,692.00

52,877.00

8.77

23.54

4,259.08

6,659.96

0.08

0.13

0.00

2.00

0.00

14.29

0.00

62.24

0.00

6.66

0.00

0.93

4

200.00 300.00

15,085.00

67,962.00

6.72

30.26

5,447.21

12,107.17

0.11

0.24

3.00

5.00

21.43

35.71

56.29

118.52

6.02

12.68

1.03

0.98

5

300.00 500.00

28,873.00

96,835.00

12.85

43.11

16,789.80

28,896.97

0.33

0.58

0.00

5.00

0.00

35.71

0.00

118.52

0.00

12.68

0.00

0.41

6

500.00 750.00

25,877.00 122,712.00

11.52

54.63

23,045.66

51,942.63

0.46

1.03

1.00

6.00

7.14

42.86

12.24

130.76

1.31

13.98

0.05

0.25

7

750.00 1,000.00

22,980.00 145,692.00

10.23

64.86

28,724.78

80,667.41

0.57

1.61

2.00

8.00

14.29

57.14

112.92

243.68

12.08

26.06

0.39

0.30

8

1,000.00 1,500.00

17,201.00 162,893.00

7.66

72.52

29,511.28

110,178.69

0.59

2.19

1.00

9.00

7.14

64.29

112.50

356.18

12.03

38.09

0.38

0.32

9

1,500.00 2,000.00

10,209.00 173,102.00

4.54

77.06

25,048.67

135,227.36

0.50

2.69

0.00

9.00

0.00

64.29

0.00

356.18

0.00

38.09

0.00

0.26

10

2,000.00 2,500.00

6,232.00 179,334.00

2.77

79.84

19,434.75

154,662.11

0.39

3.08

2.00

11.00

14.29

78.57

347.26

703.44

37.14

75.23

1.79

0.45

11

2,500.00 3,000.00

4,964.00 184,298.00

2.21

82.05

19,076.98

173,739.09

0.38

3.46

0.00

11.00

0.00

78.57

0.00

703.44

0.00

75.23

0.00

0.40

12

3,000.00 4,000.00

6,198.00 190,496.00

2.76

84.81

29,888.75

203,627.84

0.60

4.05

0.00

11.00

0.00

78.57

0.00

703.44

0.00

75.23

0.00

0.35

13

4,000.00 5,000.00

4,424.00 194,920.00

1.97

86.78

27,892.44

231,520.28

0.56

4.61

1.00

12.00

7.14

85.71

15.75

719.18

1.68

76.92

0.06

0.31

14

5,000.00 7,500.00

6,236.00 201,156.00

2.78

89.55

53,419.93

284,940.21

1.06

5.67

1.00

13.00

7.14

92.86

15.83

735.02

1.69

78.61

0.03

0.26

15

7,500.00 10,000.00

4,038.00 205,194.00

1.80

91.35

49,822.77

334,762.98

0.99

6.67

0.00

13.00

0.00

92.86

0.00

735.02

0.00

78.61

0.00

0.22

16

10,000.00 20,000.00

6,494.00 211,688.00

2.89

94.24

128,821.95

463,584.93

2.57

9.23

0.00

13.00

0.00

92.86

0.00

735.02

0.00

78.61

0.00

0.16

17

20,000.00 50,000.00

5,900.00 217,588.00

2.63

96.87

269,259.91

732,844.84

5.36

14.59

1.00

14.00

7.14 100.00

200.00

935.02

21.39

100.00

0.07

0.13

18

50,000.00 100,000.00

3,066.00 220,654.00

1.36

98.23

292,493.31

1,025,338.15

5.82

20.42

0.00

14.00

0.00 100.00

0.00

935.02

0.00

100.00

0.00

0.09

19

100,000.00 500,000.00

3,123.00 223,777.00

1.39

99.62

954,473.08

1,979,811.24

19.01

39.43

0.00

14.00

0.00 100.00

0.00

935.02

0.00

100.00

0.00

0.05

20

500,000.00 UP

844.00 224,621.00

0.38

100.00 3,041,845.25

5,021,656.49

60.57

100.00

0.00

14.00

0.00 100.00

0.00

935.02

0.00

100.00

0.00

0.02

74



DESEMBER 2015



: 2013

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)

01/02/2016

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

15,781.00

15,781.00

8.34

8.34

633.66

633.66

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

14,596.00

30,377.00

7.72

16.06

1,676.45

2,310.11

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

19,193.00

49,570.00

10.15

26.20

4,300.50

6,610.61

0.09

0.15

2.00

2.00

3.39

3.39

7.47

7.47

0.00

0.00

0.17

0.11

4

200.00 300.00

13,937.00

63,507.00

7.37

33.57

5,197.54

11,808.15

0.11

0.26

3.00

5.00

5.08

8.47

38.34

45.81

0.01

0.02

0.74

0.39

5

300.00 500.00

19,767.00

83,274.00

10.45

44.02

11,732.00

23,540.15

0.26

0.52

5.00

10.00

8.47

16.95

269.16

314.97

0.09

0.11

2.29

1.34

6

500.00 750.00

15,496.00

98,770.00

8.19

52.21

13,798.99

37,339.14

0.30

0.82

4.00

14.00

6.78

23.73

364.51

679.49

0.13

0.24

2.64

1.82

7

750.00 1,000.00

14,556.00 113,326.00

7.69

59.91

18,582.73

55,921.87

0.41

1.23

6.00

20.00

10.17

33.90

684.43

1,363.91

0.24

0.47

3.68

2.44

8

1,000.00 1,500.00

19,893.00 133,219.00

10.52

70.42

34,933.98

90,855.86

0.77

2.01

15.00

35.00

25.42

59.32

683.40

2,047.31

0.24

0.71

1.96

2.25

9

1,500.00 2,000.00

9,626.00 142,845.00

5.09

75.51

24,202.29

115,058.15

0.53

2.54

2.00

37.00

3.39

62.71

184.66

2,231.97

0.06

0.78

0.76

1.94

10

2,000.00 2,500.00

6,008.00 148,853.00

3.18

78.69

19,630.35

134,688.50

0.43

2.97

1.00

38.00

1.69

64.41

42.58

2,274.56

0.01

0.79

0.22

1.69

11

2,500.00 3,000.00

4,525.00 153,378.00

2.39

81.08

18,007.17

152,695.67

0.40

3.37

2.00

40.00

3.39

67.80

793.34

3,067.89

0.28

1.07

4.41

2.01

12

3,000.00 4,000.00

5,759.00 159,137.00

3.04

84.12

28,864.82

181,560.49

0.64

4.01

4.00

44.00

6.78

74.58

552.35

3,620.25

0.19

1.26

1.91

1.99

13

4,000.00 5,000.00

4,109.00 163,246.00

2.17

86.30

26,586.74

208,147.23

0.59

4.59

0.00

44.00

0.00

74.58

0.00

3,620.25

0.00

1.26

0.00

1.74

14

5,000.00 7,500.00

5,658.00 168,904.00

2.99

89.29

49,632.65

257,779.88

1.10

5.69

2.00

46.00

3.39

77.97

615.87

4,236.12

0.21

1.47

1.24

1.64

15

7,500.00 10,000.00

3,775.00 172,679.00

2.00

91.28

48,228.11

306,007.98

1.06

6.75

2.00

48.00

3.39

81.36

747.66

4,983.78

0.26

1.73

1.55

1.63

16

10,000.00 20,000.00

5,861.00 178,540.00

3.10

94.38

119,505.35

425,513.33

2.64

9.39

2.00

50.00

3.39

84.75

766.32

5,750.10

0.27

2.00

0.64

1.35

17

20,000.00 50,000.00

4,956.00 183,496.00

2.62

97.00

225,770.57

651,283.91

4.98

14.38

1.00

51.00

1.69

86.44

30.00

5,780.10

0.01

2.01

0.01

0.89

18

50,000.00 100,000.00

2,511.00 186,007.00

1.33

98.33

256,373.05

907,656.96

5.66

20.04

3.00

54.00

5.08

91.53

9,198.95

14,979.05

3.20

5.20

3.59

1.65

19

100,000.00 500,000.00

2,490.00 188,497.00

1.32

99.64

765,867.96

1,673,524.91

16.91

36.94

4.00

58.00

6.78

98.31 272,874.75

287,853.80

94.79

99.99

35.63

17.20

20

500,000.00 UP

675.00 189,172.00

0.36

100.00 2,856,777.24

4,530,302.15

63.06

100.00

1.00

59.00

1.69 100.00

287,881.61

0.01

100.00

0.00

6.35

75

27.81



DESEMBER 2015



: 2012

OCCUPATION

: ALL

01/02/2016

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)

LOSS RATIO

PERCENTAGE


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

17,342.00

17,342.00

10.01

10.01

688.91

688.91

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

13,569.00

30,911.00

7.83

17.84

1,593.81

2,282.72

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

19,217.00

50,128.00

11.09

28.93

4,232.47

6,515.19

0.16

0.24

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

13,646.00

63,774.00

7.88

36.81

5,058.75

11,573.95

0.19

0.43

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

19,015.00

82,789.00

10.97

47.78

11,279.65

22,853.60

0.41

0.84

1.00

1.00

6.25

6.25

17.44

17.44

0.91

0.91

0.15

0.08

6

500.00 750.00

13,732.00

96,521.00

7.93

55.70

12,265.12

35,118.72

0.45

1.29

0.00

1.00

0.00

6.25

0.00

17.44

0.00

0.91

0.00

0.05

7

750.00 1,000.00

13,958.00 110,479.00

8.06

63.76

17,858.09

52,976.81

0.66

1.95

0.00

1.00

0.00

6.25

0.00

17.44

0.00

0.91

0.00

0.03

8

1,000.00 1,500.00

16,128.00 126,607.00

9.31

73.07

28,298.70

81,275.51

1.04

2.99

1.00

2.00

6.25

12.50

28.31

45.75

1.49

2.40

0.10

0.06

9

1,500.00 2,000.00

7,983.00 134,590.00

4.61

77.67

20,319.85

101,595.36

0.75

3.74

4.00

6.00

25.00

37.50

709.83

755.58

37.24

39.64

3.49

0.74

10

2,000.00 2,500.00

4,878.00 139,468.00

2.82

80.49

15,679.28

117,274.64

0.58

4.31

1.00

7.00

6.25

43.75

62.33

817.91

3.27

42.91

0.40

0.70

11

2,500.00 3,000.00

3,878.00 143,346.00

2.24

82.73

15,301.77

132,576.42

0.56

4.87

0.00

7.00

0.00

43.75

0.00

817.91

0.00

42.91

0.00

0.62

12

3,000.00 4,000.00

4,853.00 148,199.00

2.80

85.53

24,442.59

157,019.01

0.90

5.77

0.00

7.00

0.00

43.75

0.00

817.91

0.00

42.91

0.00

0.52

13

4,000.00 5,000.00

3,412.00 151,611.00

1.97

87.50

22,274.55

179,293.56

0.82

6.59

0.00

7.00

0.00

43.75

0.00

817.91

0.00

42.91

0.00

0.46

14

5,000.00 7,500.00

4,805.00 156,416.00

2.77

90.27

41,860.76

221,154.32

1.54

8.13

2.00

9.00

12.50

56.25

319.96

1,137.86

16.79

59.70

0.76

0.51

15

7,500.00 10,000.00

3,129.00 159,545.00

1.81

92.08

39,062.81

260,217.14

1.44

9.57

2.00

11.00

12.50

68.75

462.93

1,600.79

24.29

83.99

1.19

0.62

16

10,000.00 20,000.00

4,938.00 164,483.00

2.85

94.93

100,763.80

360,980.94

3.71

13.27

4.00

15.00

25.00

93.75

301.07

1,901.87

15.80

99.78

0.30

0.53

17

20,000.00 50,000.00

4,103.00 168,586.00

2.37

97.29

181,230.91

542,211.85

6.66

19.94

0.00

15.00

0.00

93.75

0.00

1,901.87

0.00

99.78

0.00

0.35

18

50,000.00 100,000.00

2,060.00 170,646.00

1.19

98.48

195,096.17

737,308.01

7.17

27.11

0.00

15.00

0.00

93.75

0.00

1,901.87

0.00

99.78

0.00

0.26

19

100,000.00 500,000.00

2,077.00 172,723.00

1.20

99.68

598,952.63

1,336,260.64

22.02

49.13

1.00

16.00

6.25 100.00

4.14

1,906.00

0.22

100.00

0.00

0.14

20

500,000.00 UP

551.00 173,274.00

0.32

100.00 1,383,349.21

2,719,609.85

50.87

100.00

0.00

16.00

0.00 100.00

0.00

1,906.00

0.00

100.00

0.00

0.07

76



DESEMBER 2015



: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)

2/1/2016

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

1,12

1,12

3,80

3,80

0,04

0,04

0,25

0,17

3

100,00 200.00

19.256,00

48.979,00

11,60

29,52

4.296,60

6.511,06

0,15

0,23

4,00

5,00

4,49

5,62

84,19

87,99

0,84

0,88

1,96

1,35

4

200,00 300.00

13.528,00

62.507,00

8,15

37,67

4.887,41

11.398,47

0,17

0,40

2,00

7,00

2,25

7,87

12,51

100,51

0,13

1,01

0,26

0,88

5

300,00 500.00

19.203,00

81.710,00

11,57

49,24

11.193,90

22.592,37

0,40

0,80

24,00

31,00

26,97

34,83

77,11

177,62

0,77

1,78

0,69

0,79

6

500,00 750.00

13.193,00

94.903,00

7,95

57,19

11.565,64

34.158,01

0,41

1,21

7,00

38,00

7,87

42,70

154,25

331,87

1,55

3,33

1,33

0,97

7

750,00 1,000.00

13.546,00 108.449,00

8,16

65,35

17.466,86

51.624,87

0,62

1,83

3,00

41,00

3,37

46,07

75,92

407,79

0,76

4,09

0,43

0,79

8

1.000,00 1,500.00

13.689,00 122.138,00

8,25

73,60

24.261,90

75.886,78

0,86

2,69

4,00

45,00

4,49

50,56

133,04

540,83

1,34

5,43

0,55

0,71

9

1.500,00 2,000.00

7.370,00 129.508,00

4,44

78,05

18.500,48

94.387,26

0,66

3,34

5,00

50,00

5,62

56,18

422,12

962,95

4,24

9,66

2,28

1,02

10

2.000,00 2,500.00

4.638,00 134.146,00

2,79

80,84

14.850,11

109.237,36

0,53

3,87

2,00

52,00

2,25

58,43

164,22

1.127,17

1,65

11,31

1,11

1,03

11

2.500,00 3,000.00

3.652,00 137.798,00

2,20

83,04

14.442,61

123.679,97

0,51

4,38

3,00

55,00

3,37

61,80

193,30

1.320,47

1,94

13,25

1,34

1,07

12

3.000,00 4,000.00

4.684,00 142.482,00

2,82

85,86

23.088,76

146.768,74

0,82

5,20

3,00

58,00

3,37

65,17

104,87

1.425,34

1,05

14,30

0,45

0,97

13

4.000,00 5,000.00

3.324,00 145.806,00

2,00

87,87

21.425,61

168.194,34

0,76

5,96

3,00

61,00

3,37

68,54

206,61

1.631,94

2,07

16,38

0,96

0,97

14

5.000,00 7,500.00

4.469,00 150.275,00

2,69

90,56

38.757,58

206.951,92

1,37

7,33

8,00

69,00

8,99

77,53

2.525,68

4.157,62

25,34

41,72

6,52

2,01

15

7.500,00 10,000.00

2.914,00 153.189,00

1,76

92,32

36.613,91

243.565,83

1,30

8,63

2,00

71,00

2,25

79,78

203,02

4.360,64

2,04

43,76

0,55

1,79

16

10.000,00 20,000.00

4.571,00 157.760,00

2,75

95,07

91.956,58

335.522,41

3,26

11,88

2,00

73,00

2,25

82,02

596,76

4.957,41

5,99

49,75

0,65

1,48

17

20.000,00 50,000.00

3.914,00 161.674,00

2,36

97,43

169.559,47

505.081,88

6,01

17,89

10,00

83,00

11,24

93,26

4.318,87

9.276,28

43,34

93,09

2,55

1,84

18

50.000,00 100,000.00

1.800,00 163.474,00

1,08

98,51

170.976,52

676.058,40

6,06

23,95

2,00

85,00

2,25

95,51

446,27

9.722,55

4,48

97,56

0,26

1,44

19

100.000,00 500,000.00

1.918,00 165.392,00

1,16

99,67

534.210,95

1.210.269,35

18,92

42,87

4,00

89,00

4,49 100,00

242,80

9.965,35

2,44

100,00

0,05

0,82

20

500.000,00 UP

548,00 165.940,00

0,33

100,00 1.613.086,85

2.823.356,20

57,13

100,00

0,00

89,00

0,00 100,00

0,00

9.965,35

0,00

100,00

0,00

0,35

77



DESEMBER 2015



: 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)

01/02/2016

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

1.00

1.00

0.58

0.58

0.21

0.21

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

3.00

4.00

1.74

2.33

0.53

0.74

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

3.00

7.00

1.74

4.07

1.09

1.83

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

3.00

10.00

1.74

5.81

1.77

3.60

0.01

0.02

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

8.00

18.00

4.65

10.47

6.50

10.10

0.04

0.07

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

24.00

3.49

13.95

5.51

15.61

0.04

0.10

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

10.00

34.00

5.81

19.77

13.09

28.70

0.09

0.19

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

6.00

40.00

3.49

23.26

12.29

40.99

0.08

0.27

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

8.00

48.00

4.65

27.91

22.30

63.29

0.15

0.41

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

3.00

51.00

1.74

29.65

13.63

76.92

0.09

0.50

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

6.00

57.00

3.49

33.14

27.40

104.32

0.18

0.68

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

59.00

1.16

34.30

14.55

118.86

0.09

0.77

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

3.00

62.00

1.74

36.05

25.27

144.13

0.16

0.94

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

7.00

69.00

4.07

40.12

52.87

197.01

0.34

1.28

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

12.00

81.00

6.98

47.09

234.39

431.40

1.53

2.81

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

18.00

99.00

10.47

57.56

863.28

1,294.67

5.63

8.44

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

24.00

123.00

13.95

71.51

2,288.16

3,582.83

14.91

23.35

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

49.00

172.00

28.49

100.00

11,762.08

15,344.91

76.65

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

172.00

0.00

100.00

0.00

15,344.91

0.00

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

78



DESEMBER 2015



: 2015

OCCUPATION

: COMMERCIAL

01/02/2016

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)

LOSS RATIO PERCENTAGE

PERCENTAGE


CUM ∑(n)

rp

(n)

(o)

(p)

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

6,080.00

6,080.00

8.58

8.58

173.01

173.01

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

3,415.00

9,495.00

4.82

13.40

388.00

561.02

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

5,841.00

15,336.00

8.24

21.64

1,262.96

1,823.97

0.15

0.22

2.00

2.00

14.29

14.29

150.00

150.00

4.44

4.44

11.88

8.22

4

200.00 300.00

4,346.00

19,682.00

6.13

27.77

1,608.70

3,432.67

0.20

0.42

1.00

3.00

7.14

21.43

100.00

250.00

2.96

7.40

6.22

7.28

5

300.00 500.00

7,885.00

27,567.00

11.13

38.90

4,722.94

8,155.61

0.57

0.99

0.00

3.00

0.00

21.43

0.00

250.00

0.00

7.40

0.00

3.07

6

500.00 750.00

6,003.00

33,570.00

8.47

47.37

5,465.05

13,620.66

0.66

1.66

0.00

3.00

0.00

21.43

0.00

250.00

0.00

7.40

0.00

1.84

7

750.00 1,000.00

6,336.00

39,906.00

8.94

56.31

8,154.90

21,775.57

0.99

2.65

0.00

3.00

0.00

21.43

0.00

250.00

0.00

7.40

0.00

1.15

8

1,000.00 1,500.00

6,109.00

46,015.00

8.62

64.94

10,965.87

32,741.44

1.33

3.98

0.00

3.00

0.00

21.43

0.00

250.00

0.00

7.40

0.00

0.76

9

1,500.00 2,000.00

4,399.00

50,414.00

6.21

71.14

10,955.42

43,696.86

1.33

5.32

0.00

3.00

0.00

21.43

0.00

250.00

0.00

7.40

0.00

0.57

10

2,000.00 2,500.00

2,692.00

53,106.00

3.80

74.94

8,520.32

52,217.18

1.04

6.35

1.00

4.00

7.14

28.57

187.50

437.50

5.55

12.95

2.20

0.84

11

2,500.00 3,000.00

2,105.00

55,211.00

2.97

77.91

8,123.56

60,340.75

0.99

7.34

0.00

4.00

0.00

28.57

0.00

437.50

0.00

12.95

0.00

0.73

12

3,000.00 4,000.00

2,678.00

57,889.00

3.78

81.69

13,106.10

73,446.85

1.59

8.94

2.00

6.00

14.29

42.86

29.37

466.87

0.87

13.82

0.22

0.64

13

4,000.00 5,000.00

1,990.00

59,879.00

2.81

84.50

12,667.38

86,114.23

1.54

10.48

0.00

6.00

0.00

42.86

0.00

466.87

0.00

13.82

0.00

0.54

14

5,000.00 7,500.00

2,971.00

62,850.00

4.19

88.69

25,167.58

111,281.80

3.06

13.54

1.00

7.00

7.14

50.00

500.00

966.87

14.80

28.62

1.99

0.87

15

7,500.00 10,000.00

1,809.00

64,659.00

2.55

91.25

21,606.67

132,888.48

2.63

16.17

1.00

8.00

7.14

57.14

10.00

976.87

0.30

28.92

0.05

0.74

16

10,000.00 20,000.00

2,704.00

67,363.00

3.82

95.06

52,225.71

185,114.19

6.35

22.52

1.00

9.00

7.14

64.29

300.00

1,276.87

8.88

37.80

0.57

0.69

17

20,000.00 50,000.00

1,928.00

69,291.00

2.72

97.78

84,566.28

269,680.47

10.29

32.81

4.00

13.00

28.57

92.86

1,455.00

2,731.87

43.07

80.87

1.72

1.01

18

50,000.00 100,000.00

816.00

70,107.00

1.15

98.93

82,398.29

352,078.76

10.03

42.84

0.00

13.00

0.00

92.86

0.00

2,731.87

0.00

80.87

0.00

0.78

19

100,000.00 500,000.00

678.00

70,785.00

0.96

99.89

187,610.38

539,689.14

22.83

65.66

0.00

13.00

0.00

92.86

0.00

2,731.87

0.00

80.87

0.00

0.51

20

500,000.00 UP

78.00

70,863.00

0.11

100.00

282,215.89

821,905.03

34.34

100.00

1.00

14.00

7.14

100.00

646.26

3,378.13

19.13

100.00

0.23

0.41

79



DESEMBER 2015



: 2015

OCCUPATION

: INDUSTRIAL

01/02/2016

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f

F ∑(d)

(d)

(e)

PERCENTAGE

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

LOSS RATIO

PERCENTAGE


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

324.00

324.00

2.90

2.90

11.42

11.42

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

565.00

889.00

5.05

7.95

67.97

79.39

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

330.00

1,219.00

2.95

10.90

71.48

150.87

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

273.00

1,492.00

2.44

13.34

94.87

245.74

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

473.00

1,965.00

4.23

17.57

289.91

535.65

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

487.00

2,452.00

4.35

21.92

450.00

985.65

0.03

0.07

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

436.00

2,888.00

3.90

25.82

586.15

1,571.80

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

579.00

3,467.00

5.18

31.00

1,057.03

2,628.83

0.07

0.18

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

457.00

3,924.00

4.09

35.08

1,126.04

3,754.86

0.08

0.26

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

358.00

4,282.00

3.20

38.28

1,143.03

4,897.90

0.08

0.34

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

297.00

4,579.00

2.66

40.94

1,150.65

6,048.54

0.08

0.42

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

487.00

5,066.00

4.35

45.29

2,395.08

8,443.62

0.17

0.58

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

376.00

5,442.00

3.36

48.65

2,422.63

10,866.24

0.17

0.75

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

669.00

6,111.00

5.98

54.64

5,834.87

16,701.11

0.40

1.15

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

564.00

6,675.00

5.04

59.68

6,756.75

23,457.86

0.47

1.62

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

1,094.00

7,769.00

9.78

69.46

20,963.26

44,421.12

1.45

3.07

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

1,246.00

9,015.00

11.14

80.60

55,491.48

99,912.61

3.84

6.91

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

776.00

9,791.00

6.94

87.54

72,713.79

172,626.40

5.03

11.93

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

1,024.00

10,815.00

9.16

96.69

301,494.68

474,121.07

20.84

32.77

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

370.00

11,185.00

3.31

100.00

972,653.17

1,446,774.25

67.23

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

80



DESEMBER 2015



: 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)

01/02/2016

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

2,879.00

2,879.00

4.64

4.64

90.80

90.80

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

3,397.00

6,276.00

5.48

10.12

419.36

510.16

0.12

0.14

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

7,177.00

13,453.00

11.57

21.68

1,599.77

2,109.93

0.45

0.59

1.00

1.00

14.29

14.29

50.00

50.00

5.50

5.50

3.13

2.37

4

200.00 300.00

6,661.00

20,114.00

10.74

32.42

2,428.84

4,538.77

0.68

1.27

0.00

1.00

0.00

14.29

0.00

50.00

0.00

5.50

0.00

1.10

5

300.00 500.00

10,107.00

30,221.00

16.29

48.71

5,715.45

10,254.21

1.59

2.86

0.00

1.00

0.00

14.29

0.00

50.00

0.00

5.50

0.00

0.49

6

500.00 750.00

6,844.00

37,065.00

11.03

59.74

5,798.47

16,052.68

1.62

4.48

0.00

1.00

0.00

14.29

0.00

50.00

0.00

5.50

0.00

0.31

7

750.00 1,000.00

5,701.00

42,766.00

9.19

68.93

6,886.69

22,939.38

1.92

6.40

0.00

1.00

0.00

14.29

0.00

50.00

0.00

5.50

0.00

0.22

8

1,000.00 1,500.00

5,777.00

48,543.00

9.31

78.24

9,731.17

32,670.55

2.71

9.11

2.00

3.00

28.57

42.86

105.00

155.00

11.56

17.06

1.08

0.47

9

1,500.00 2,000.00

3,184.00

51,727.00

5.13

83.38

7,535.32

40,205.86

2.10

11.21

1.00

4.00

14.29

57.14

175.00

330.00

19.26

36.32

2.32

0.82

10

2,000.00 2,500.00

2,012.00

53,739.00

3.24

86.62

6,107.17

46,313.03

1.70

12.92

0.00

4.00

0.00

57.14

0.00

330.00

0.00

36.32

0.00

0.71

11

2,500.00 3,000.00

1,450.00

55,189.00

2.34

88.96

5,403.33

51,716.36

1.51

14.42

2.00

6.00

28.57

85.71

340.97

670.97

37.53

73.86

6.31

1.30

12

3,000.00 4,000.00

1,710.00

56,899.00

2.76

91.71

8,083.88

59,800.24

2.25

16.68

1.00

7.00

14.29 100.00

237.50

908.47

26.14

100.00

2.94

1.52

13

4,000.00 5,000.00

1,073.00

57,972.00

1.73

93.44

6,624.23

66,424.47

1.85

18.53

0.00

7.00

0.00 100.00

0.00

908.47

0.00

100.00

0.00

1.37

14

5,000.00 7,500.00

1,264.00

59,236.00

2.04

95.48

10,489.42

76,913.90

2.93

21.45

0.00

7.00

0.00 100.00

0.00

908.47

0.00

100.00

0.00

1.18

15

7,500.00 10,000.00

721.00

59,957.00

1.16

96.64

8,639.47

85,553.37

2.41

23.86

0.00

7.00

0.00 100.00

0.00

908.47

0.00

100.00

0.00

1.06

16

10,000.00 20,000.00

911.00

60,868.00

1.47

98.11

17,487.34

103,040.71

4.88

28.74

0.00

7.00

0.00 100.00

0.00

908.47

0.00

100.00

0.00

0.88

17

20,000.00 50,000.00

581.00

61,449.00

0.94

99.05

24,747.97

127,788.68

6.90

35.64

0.00

7.00

0.00 100.00

0.00

908.47

0.00

100.00

0.00

0.71

18

50,000.00 100,000.00

226.00

61,675.00

0.36

99.41

23,760.75

151,549.43

6.63

42.27

0.00

7.00

0.00 100.00

0.00

908.47

0.00

100.00

0.00

0.60

19

100,000.00 500,000.00

314.00

61,989.00

0.51

99.92

95,461.35

247,010.78

26.63

68.90

0.00

7.00

0.00 100.00

0.00

908.47

0.00

100.00

0.00

0.37

20

500,000.00 UP

51.00

62,040.00

0.08

100.00

111,515.03

358,525.81

31.10

100.00

0.00

7.00

0.00 100.00

0.00

908.47

0.00

100.00

0.00

0.25

81



DESEMBER 2015



: 2014

OCCUPATION

: AGRICULTURAL

01/02/2016

PROCESSING DATE


(a)


NUMBER OF RISK

FROM

TO

f

F ∑(d)

(b)

(c)

(d)

(e)

PERCENTAGE

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

LOSS RATIO

PERCENTAGE


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)

11.00

11.00

2.26

2.26

0.23

0.23

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

7.00

18.00

1.44

3.70

0.71

0.94

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

28.00

2.05

5.75

1.61

2.54

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

33.00

1.03

6.78

2.20

4.74

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

12.00

45.00

2.46

9.24

6.53

11.27

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

11.00

56.00

2.26

11.50

6.46

17.73

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

14.00

70.00

2.87

14.37

12.96

30.69

0.05

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

21.00

91.00

4.31

18.69

32.40

63.09

0.12

0.23

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

26.00

117.00

5.34

24.02

58.43

121.52

0.21

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

136.00

3.90

27.93

58.17

179.69

0.21

0.65

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

12.00

148.00

2.46

30.39

37.48

217.16

0.13

0.78

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

25.00

173.00

5.13

35.52

129.41

346.57

0.47

1.25

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

23.00

196.00

4.72

40.25

131.91

478.49

0.47

1.72

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

31.00

227.00

6.37

46.61

245.71

724.20

0.88

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

30.00

257.00

6.16

52.77

320.45

1,044.65

1.15

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

43.00

300.00

8.83

61.60

491.93

1,536.58

1.77

5.53

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

54.00

354.00

11.09

72.69

2,343.24

3,879.82

8.44

13.97

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

50.00

404.00

10.27

82.96

4,281.09

8,160.91

15.41

29.39

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

82.00

486.00

16.84

99.79

18,158.96

26,319.87

65.39

94.77

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

487.00

0.21

100.00

1,452.46

27,772.33

5.23

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

1

0.00 50.00

2

82



DESEMBER 2015



: 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)

01/02/2016

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

8,858.00

8,858.00

7.60

7.60

282.63

282.63

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

6,527.00

15,385.00

5.60

13.20

715.49

998.12

0.07

0.09

1.00

1.00

10.00

10.00

12.24

12.24

1.96

1.96

1.71

1.23

3

100.00 200.00

8,283.00

23,668.00

7.11

20.30

1,833.76

2,831.88

0.17

0.26

0.00

1.00

0.00

10.00

0.00

12.24

0.00

1.96

0.00

0.43

4

200.00 300.00

6,091.00

29,759.00

5.23

25.53

2,257.41

5,089.29

0.21

0.47

2.00

3.00

20.00

30.00

48.74

60.97

7.80

9.76

2.16

1.20

5

300.00 500.00

15,433.00

45,192.00

13.24

38.77

9,486.61

14,575.90

0.87

1.34

0.00

3.00

0.00

30.00

0.00

60.97

0.00

9.76

0.00

0.42

6

500.00 750.00

16,213.00

61,405.00

13.91

52.68

15,066.64

29,642.54

1.39

2.73

1.00

4.00

10.00

40.00

12.24

73.21

1.96

11.72

0.08

0.25

7

750.00 1,000.00

15,143.00

76,548.00

12.99

65.67

19,545.96

49,188.50

1.80

4.53

1.00

5.00

10.00

50.00

60.00

133.21

9.61

21.33

0.31

0.27

8

1,000.00 1,500.00

9,283.00

85,831.00

7.96

73.63

16,420.44

65,608.94

1.51

6.05

1.00

6.00

10.00

60.00

112.50

245.71

18.01

39.34

0.69

0.37

9

1,500.00 2,000.00

5,350.00

91,181.00

4.59

78.22

13,590.60

79,199.54

1.25

7.30

0.00

6.00

0.00

60.00

0.00

245.71

0.00

39.34

0.00

0.31

10

2,000.00 2,500.00

3,119.00

94,300.00

2.68

80.90

10,087.67

89,287.22

0.93

8.23

2.00

8.00

20.00

80.00

347.26

592.97

55.60

94.94

3.44

0.66

11

2,500.00 3,000.00

2,576.00

96,876.00

2.21

83.11

10,204.01

99,491.23

0.94

9.17

0.00

8.00

0.00

80.00

0.00

592.97

0.00

94.94

0.00

0.60

12

3,000.00 4,000.00

3,134.00

100,010.00

2.69

85.80

15,547.67

115,038.89

1.43

10.60

0.00

8.00

0.00

80.00

0.00

592.97

0.00

94.94

0.00

0.52

13

4,000.00 5,000.00

2,331.00

102,341.00

2.00

87.80

14,992.10

130,031.00

1.38

11.98

1.00

9.00

10.00

90.00

15.75

608.72

2.52

97.47

0.11

0.47

14

5,000.00 7,500.00

3,343.00

105,684.00

2.87

90.67

29,489.29

159,520.28

2.72

14.70

1.00

10.00

10.00

100.00

15.83

624.55

2.53

100.00

0.05

0.39

15

7,500.00 10,000.00

2,151.00

107,835.00

1.85

92.51

26,556.76

186,077.05

2.45

17.14

0.00

10.00

0.00

100.00

0.00

624.55

0.00

100.00

0.00

0.34

16

10,000.00 20,000.00

3,362.00

111,197.00

2.88

95.40

67,365.63

253,442.68

6.21

23.35

0.00

10.00

0.00

100.00

0.00

624.55

0.00

100.00

0.00

0.25

17

20,000.00 50,000.00

2,919.00

114,116.00

2.50

97.90

134,313.33

387,756.01

12.38

35.73

0.00

10.00

0.00

100.00

0.00

624.55

0.00

100.00

0.00

0.16

18

50,000.00 100,000.00

1,396.00

115,512.00

1.20

99.10

121,714.97

509,470.98

11.21

46.94

0.00

10.00

0.00

100.00

0.00

624.55

0.00

100.00

0.00

0.12

19

100,000.00 500,000.00

917.00

116,429.00

0.79

99.89

259,763.46

769,234.44

23.93

70.88

0.00

10.00

0.00

100.00

0.00

624.55

0.00

100.00

0.00

0.08

20

500,000.00 UP

134.00

116,563.00

0.11

100.00

316,103.04

1,085,337.47

29.12

100.00

0.00

10.00

0.00

100.00

0.00

624.55

0.00

100.00

0.00

0.06

83



DESEMBER 2015



: 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)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

01/02/2016

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)

1,258.00

1,258.00

6.80

6.80

37.73

37.73

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

433.00

1,691.00

2.34

9.13

45.55

83.27

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

648.00

2,339.00

3.50

12.63

141.11

224.39

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

462.00

2,801.00

2.50

15.13

176.28

400.67

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

721.00

3,522.00

3.89

19.02

452.78

853.44

0.01

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

775.00

4,297.00

4.19

23.21

730.06

1,583.50

0.02

0.05

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

756.00

5,053.00

4.08

27.29

955.87

2,539.37

0.03

0.08

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

1,019.00

6,072.00

5.50

32.80

1,835.82

4,375.19

0.06

0.13

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

761.00

6,833.00

4.11

36.91

1,943.68

6,318.87

0.06

0.19

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

591.00

7,424.00

3.19

40.10

1,908.97

8,227.84

0.06

0.25

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

499.00

7,923.00

2.70

42.80

1,956.02

10,183.86

0.06

0.31

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

814.00

8,737.00

4.40

47.19

4,044.57

14,228.43

0.12

0.44

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

596.00

9,333.00

3.22

50.41

3,886.91

18,115.34

0.12

0.55

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

1,071.00

10,404.00

5.79

56.20

9,366.77

27,482.11

0.29

0.84

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

865.00

11,269.00

4.67

60.87

11,207.79

38,689.90

0.34

1.18

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

1,732.00

13,001.00

9.36

70.23

34,633.75

73,323.65

1.06

2.24

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

2,005.00

15,006.00

10.83

81.06

93,972.77

167,296.42

2.88

5.12

1.00

1.00

100.00

100.00

200.00

200.00

100.00

100.00

0.21

0.12

18

50,000.00 100,000.00

1,251.00

16,257.00

6.76

87.81

129,676.17

296,972.59

3.97

9.09

0.00

1.00

0.00

100.00

0.00

200.00

0.00

100.00

0.00

0.07

19

100,000.00 500,000.00

1,631.00

17,888.00

8.81

96.62

536,278.86

833,251.45

16.41

25.50

0.00

1.00

0.00

100.00

0.00

200.00

0.00

100.00

0.00

0.02

20

500,000.00 UP

625.00

18,513.00

3.38

100.00 2,434,677.68

3,267,929.12

74.50

100.00

0.00

1.00

0.00

100.00

0.00

200.00

0.00

100.00

0.00

0.01

84



DESEMBER 2015



: 2014

OCCUPATION

: RESIDENTIAL

01/02/2016

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)

LOSS RATIO

PERCENTAGE


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

7,565.00

7,565.00

8.49

8.49

247.16

247.16

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

8,526.00

16,091.00

9.57

18.07

1,071.39

1,318.55

0.17

0.21

1.00

1.00

33.33

33.33

50.00

50.00

45.26

45.26

4.67

3.79

3

100.00 200.00

10,751.00

26,842.00

12.07

30.14

2,282.60

3,601.15

0.36

0.56

0.00

1.00

0.00

33.33

0.00

50.00

0.00

45.26

0.00

1.39

4

200.00 300.00

8,527.00

35,369.00

9.57

39.71

3,011.33

6,612.48

0.47

1.03

1.00

2.00

33.33

66.67

7.55

57.55

6.83

52.10

0.25

0.87

5

300.00 500.00

12,707.00

48,076.00

14.27

53.98

6,843.89

13,456.37

1.07

2.10

0.00

2.00

0.00

66.67

0.00

57.55

0.00

52.10

0.00

0.43

6

500.00 750.00

8,878.00

56,954.00

9.97

63.95

7,242.50

20,698.86

1.13

3.23

0.00

2.00

0.00

66.67

0.00

57.55

0.00

52.10

0.00

0.28

7

750.00 1,000.00

7,067.00

64,021.00

7.94

71.89

8,209.98

28,908.84

1.28

4.51

1.00

3.00

33.33 100.00

52.92

110.46

47.90

100.00

0.64

0.38

8

1,000.00 1,500.00

6,878.00

70,899.00

7.72

79.61

11,222.62

40,131.46

1.75

6.26

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.28

9

1,500.00 2,000.00

4,072.00

74,971.00

4.57

84.18

9,455.97

49,587.43

1.48

7.74

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.22

10

2,000.00 2,500.00

2,503.00

77,474.00

2.81

86.99

7,379.94

56,967.36

1.15

8.89

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.19

11

2,500.00 3,000.00

1,877.00

79,351.00

2.11

89.10

6,879.47

63,846.84

1.07

9.97

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.17

12

3,000.00 4,000.00

2,225.00

81,576.00

2.50

91.60

10,167.10

74,013.94

1.59

11.55

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.15

13

4,000.00 5,000.00

1,474.00

83,050.00

1.66

93.25

8,881.52

82,895.46

1.39

12.94

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.13

14

5,000.00 7,500.00

1,791.00

84,841.00

2.01

95.26

14,318.16

97,213.62

2.24

15.17

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.11

15

7,500.00 10,000.00

992.00

85,833.00

1.11

96.38

11,737.77

108,951.39

1.83

17.01

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.10

16

10,000.00 20,000.00

1,357.00

87,190.00

1.52

97.90

26,330.64

135,282.03

4.11

21.12

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.08

17

20,000.00 50,000.00

922.00

88,112.00

1.04

98.94

38,630.57

173,912.60

6.03

27.15

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.06

18

50,000.00 100,000.00

369.00

88,481.00

0.41

99.35

36,821.08

210,733.68

5.75

32.90

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.05

19

100,000.00 500,000.00

493.00

88,974.00

0.55

99.91

140,271.80

351,005.48

21.90

54.79

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.03

20

500,000.00 UP

84.00

89,058.00

0.09

100.00

289,612.08

640,617.56

45.21

100.00

0.00

3.00

0.00 100.00

0.00

110.46

0.00

100.00

0.00

0.02

85



DESEMBER 2015



: 2013

OCCUPATION

: AGRICULTURAL

01/02/2016

PROCESSING DATE


(a)


NUMBER OF RISK

FROM

TO

f

F ∑(d)

(b)

(c)

(d)

(e)

PERCENTAGE

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

LOSS RATIO

PERCENTAGE


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

11.00

11.00

2.06

2.06

0.32

0.32

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

11.00

0.00

2.06

0.07

0.39

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

7.00

18.00

1.31

3.36

1.37

1.77

0.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

12.00

30.00

2.24

5.61

3.92

5.68

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

22.00

52.00

4.11

9.72

12.07

17.76

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

27.00

79.00

5.05

14.77

21.04

38.79

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

16.00

95.00

2.99

17.76

16.17

54.97

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

18.00

113.00

3.36

21.12

32.44

87.41

0.09

0.25

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

21.00

134.00

3.93

25.05

42.61

130.02

0.12

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

18.00

152.00

3.36

28.41

57.80

187.82

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

14.00

166.00

2.62

31.03

54.62

242.44

0.15

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

21.00

187.00

3.93

34.95

86.75

329.19

0.25

0.93

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

207.00

3.74

38.69

151.05

480.24

0.43

1.36

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

38.00

245.00

7.10

45.79

281.77

762.00

0.80

2.16

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

24.00

269.00

4.49

50.28

295.55

1,057.55

0.84

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

38.00

307.00

7.10

57.38

631.91

1,689.46

1.79

4.79

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

77.00

384.00

14.39

71.78

3,015.24

4,704.70

8.55

13.35

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

80.00

464.00

14.95

86.73

8,034.58

12,739.28

22.79

36.14

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

532.00

12.71

99.44

14,907.45

27,646.73

42.29

78.43

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

535.00

0.56

100.00

7,604.09

35,250.82

21.57

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

86



DESEMBER 2015



: 2013

OCCUPATION

: COMMERCIAL

01/02/2016

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)

LOSS RATIO

PERCENTAGE


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

8,487.00

8,487.00

8.44

8.44

370.16

370.16

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

8,882.00

17,369.00

8.83

17.27

1,018.07

1,388.23

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

9,236.00

26,605.00

9.18

26.45

2,078.17

3,466.40

0.11

0.19

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

6,211.00

32,816.00

6.18

32.63

2,389.31

5,855.71

0.13

0.32

1.00

1.00

2.13

2.13

12.83

12.83

0.00

0.00

0.54

0.22

5

300.00 500.00

9,483.00

42,299.00

9.43

42.06

5,839.14

11,694.85

0.32

0.65

4.00

5.00

8.51

10.64

251.73

264.56

0.09

0.09

4.31

2.26

6

500.00 750.00

8,149.00

50,448.00

8.10

50.16

7,411.59

19,106.44

0.41

1.05

2.00

7.00

4.26

14.89

352.62

617.17

0.12

0.22

4.76

3.23

7

750.00 1,000.00

8,397.00

58,845.00

8.35

58.51

11,056.23

30,162.66

0.61

1.66

6.00

13.00

12.77

27.66

684.43

1,301.60

0.24

0.45

6.19

4.32

8

1,000.00 1,500.00

13,405.00

72,250.00

13.33

71.83

23,646.93

53,809.60

1.30

2.97

14.00

27.00

29.79

57.45

638.40

1,940.00

0.22

0.68

2.70

3.61

9

1,500.00 2,000.00

5,550.00

77,800.00

5.52

77.35

14,152.47

67,962.07

0.78

3.75

2.00

29.00

4.26

61.70

184.66

2,124.66

0.06

0.74

1.30

3.13

10

2,000.00 2,500.00

3,346.00

81,146.00

3.33

80.68

11,076.22

79,038.29

0.61

4.36

0.00

29.00

0.00

61.70

0.00

2,124.66

0.00

0.74

0.00

2.69

11

2,500.00 3,000.00

2,460.00

83,606.00

2.45

83.12

9,862.76

88,901.05

0.54

4.91

1.00

30.00

2.13

63.83

756.64

2,881.30

0.26

1.00

7.67

3.24

12

3,000.00 4,000.00

3,006.00

86,612.00

2.99

86.11

15,269.51

104,170.56

0.84

5.75

3.00

33.00

6.38

70.21

497.49

3,378.79

0.17

1.18

3.26

3.24

13

4,000.00 5,000.00

2,245.00

88,857.00

2.23

88.35

14,656.06

118,826.62

0.81

6.56

0.00

33.00

0.00

70.21

0.00

3,378.79

0.00

1.18

0.00

2.84

14

5,000.00 7,500.00

2,924.00

91,781.00

2.91

91.25

26,087.43

144,914.05

1.44

8.00

2.00

35.00

4.26

74.47

615.87

3,994.66

0.21

1.39

2.36

2.76

15

7,500.00 10,000.00

1,935.00

93,716.00

1.92

93.18

24,667.44

169,581.49

1.36

9.36

1.00

36.00

2.13

76.60

9.19

4,003.84

0.00

1.40

0.04

2.36

16

10,000.00 20,000.00

2,851.00

96,567.00

2.83

96.01

57,501.01

227,082.50

3.17

12.53

2.00

38.00

4.26

80.85

766.32

4,770.16

0.27

1.66

1.33

2.10

17

20,000.00 50,000.00

2,271.00

98,838.00

2.26

98.27

101,744.31

328,826.81

5.61

18.15

1.00

39.00

2.13

82.98

30.00

4,800.16

0.01

1.67

0.03

1.46

18

50,000.00 100,000.00

878.00

99,716.00

0.87

99.14

86,485.53

415,312.34

4.77

22.92

3.00

42.00

6.38

89.36

9,198.95

13,999.10

3.21

4.88

10.64

3.37

19

100,000.00 500,000.00

737.00 100,453.00

0.73

99.87

204,219.94

619,532.29

11.27

34.19

4.00

46.00

8.51

97.87 272,874.75

286,873.86

95.11

99.99

133.62

46.30

20

500,000.00 UP

126.00 100,579.00

0.13

100.00 1,192,562.44

1,812,094.73

65.81

100.00

1.00

47.00

2.13 100.00

27.81

286,901.67

0.01

100.00

0.00

15.83

87



DESEMBER 2015



: 2013

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)

01/02/2016

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)

1,687.00

1,687.00

9.16

9.16

43.96

43.96

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

410.00

2,097.00

2.22

11.38

47.24

91.19

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

639.00

2,736.00

3.47

14.85

150.94

242.13

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

582.00

3,318.00

3.16

18.01

200.20

442.34

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

760.00

4,078.00

4.12

22.13

482.06

924.40

0.02

0.04

1.00

1.00

20.00

20.00

17.43

17.43

1.96

1.96

3.62

1.89

6

500.00 750.00

795.00

4,873.00

4.31

26.44

772.20

1,696.60

0.03

0.08

0.00

1.00

0.00

20.00

0.00

17.43

0.00

1.96

0.00

1.03

7

750.00 1,000.00

746.00

5,619.00

4.05

30.49

977.33

2,673.93

0.04

0.12

0.00

1.00

0.00

20.00

0.00

17.43

0.00

1.96

0.00

0.65

8

1,000.00 1,500.00

1,049.00

6,668.00

5.69

36.19

1,959.10

4,633.03

0.09

0.21

0.00

1.00

0.00

20.00

0.00

17.43

0.00

1.96

0.00

0.38

9

1,500.00 2,000.00

782.00

7,450.00

4.24

40.43

2,084.51

6,717.55

0.09

0.30

0.00

1.00

0.00

20.00

0.00

17.43

0.00

1.96

0.00

0.26

10

2,000.00 2,500.00

627.00

8,077.00

3.40

43.83

2,208.89

8,926.44

0.10

0.40

1.00

2.00

20.00

40.00

42.58

60.02

4.78

6.74

1.93

0.67

11

2,500.00 3,000.00

543.00

8,620.00

2.95

46.78

2,232.89

11,159.33

0.10

0.51

1.00

3.00

20.00

60.00

36.70

96.71

4.12

10.87

1.64

0.87

12

3,000.00 4,000.00

766.00

9,386.00

4.16

50.94

4,011.47

15,170.80

0.18

0.69

1.00

4.00

20.00

80.00

54.86

151.58

6.16

17.03

1.37

1.00

13

4,000.00 5,000.00

629.00

10,015.00

3.41

54.35

4,194.21

19,365.01

0.19

0.88

0.00

4.00

0.00

80.00

0.00

151.58

0.00

17.03

0.00

0.78

14

5,000.00 7,500.00

1,102.00

11,117.00

5.98

60.33

9,855.45

29,220.46

0.45

1.32

0.00

4.00

0.00

80.00

0.00

151.58

0.00

17.03

0.00

0.52

15

7,500.00 10,000.00

894.00

12,011.00

4.85

65.18

11,851.81

41,072.27

0.54

1.86

1.00

5.00

20.00 100.00

738.48

890.06

82.97

100.00

6.23

2.17

16

10,000.00 20,000.00

1,636.00

13,647.00

8.88

74.06

34,974.01

76,046.29

1.58

3.44

0.00

5.00

0.00 100.00

0.00

890.06

0.00

100.00

0.00

1.17

17

20,000.00 50,000.00

1,800.00

15,447.00

9.77

83.83

85,011.62

161,057.90

3.85

7.29

0.00

5.00

0.00 100.00

0.00

890.06

0.00

100.00

0.00

0.55

18

50,000.00 100,000.00

1,191.00

16,638.00

6.46

90.29

122,962.20

284,020.11

5.56

12.85

0.00

5.00

0.00 100.00

0.00

890.06

0.00

100.00

0.00

0.31

19

100,000.00 500,000.00

1,317.00

17,955.00

7.15

97.44

420,809.65

704,829.76

19.04

31.90

0.00

5.00

0.00 100.00

0.00

890.06

0.00

100.00

0.00

0.13

20

500,000.00 UP

472.00

18,427.00

2.56

100.00 1,504,866.42

2,209,696.18

68.10

100.00

0.00

5.00

0.00 100.00

0.00

890.06

0.00

100.00

0.00

0.04

88



DESEMBER 2015



: 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)

01/02/2016

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

5,596.00

5,596.00

8.04

8.04

219.22

219.22

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

5,304.00

10,900.00

7.62

15.65

611.07

830.29

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

9,311.00

20,211.00

13.37

29.03

2,070.02

2,900.31

0.44

0.61

2.00

2.00

28.57

28.57

7.47

7.47

8.31

8.31

0.36

0.26

4

200.00 300.00

7,132.00

27,343.00

10.24

39.27

2,604.11

5,504.43

0.55

1.16

2.00

4.00

28.57

57.14

25.52

32.98

28.39

36.70

0.98

0.60

5

300.00 500.00

9,502.00

36,845.00

13.65

52.91

5,398.72

10,903.15

1.14

2.30

0.00

4.00

0.00

57.14

0.00

32.98

0.00

36.70

0.00

0.30

6

500.00 750.00

6,525.00

43,370.00

9.37

62.29

5,594.17

16,497.32

1.18

3.49

2.00

6.00

28.57

85.71

11.90

44.88

13.24

49.93

0.21

0.27

7

750.00 1,000.00

5,397.00

48,767.00

7.75

70.04

6,533.00

23,030.32

1.38

4.87

0.00

6.00

0.00

85.71

0.00

44.88

0.00

49.93

0.00

0.19

8

1,000.00 1,500.00

5,421.00

54,188.00

7.79

77.82

9,295.50

32,325.82

1.96

6.83

1.00

7.00

14.29 100.00

45.00

89.88

50.07

100.00

0.48

0.28

9

1,500.00 2,000.00

3,273.00

57,461.00

4.70

82.52

7,922.70

40,248.52

1.67

8.50

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.22

10

2,000.00 2,500.00

2,017.00

59,478.00

2.90

85.42

6,287.44

46,535.96

1.33

9.83

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.19

11

2,500.00 3,000.00

1,508.00

60,986.00

2.17

87.58

5,856.89

52,392.85

1.24

11.07

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.17

12

3,000.00 4,000.00

1,966.00

62,952.00

2.82

90.41

9,497.08

61,889.94

2.01

13.08

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.15

13

4,000.00 5,000.00

1,215.00

64,167.00

1.74

92.15

7,585.43

69,475.37

1.60

14.68

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.13

14

5,000.00 7,500.00

1,594.00

65,761.00

2.29

94.44

13,408.00

82,883.36

2.83

17.51

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.11

15

7,500.00 10,000.00

922.00

66,683.00

1.32

95.77

11,413.30

94,296.67

2.41

19.92

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.10

16

10,000.00 20,000.00

1,336.00

68,019.00

1.92

97.68

26,398.42

120,695.09

5.58

25.50

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.07

17

20,000.00 50,000.00

808.00

68,827.00

1.16

98.85

35,999.40

156,694.49

7.61

33.11

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.06

18

50,000.00 100,000.00

362.00

69,189.00

0.52

99.37

38,890.73

195,585.22

8.22

41.33

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.05

19

100,000.00 500,000.00

368.00

69,557.00

0.53

99.89

125,930.92

321,516.14

26.61

67.94

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.03

20

500,000.00 UP

74.00

69,631.00

0.11

100.00

151,744.29

473,260.42

32.06

100.00

0.00

7.00

0.00 100.00

0.00

89.88

0.00

100.00

0.00

0.02

89



DESEMBER 2015



: 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)

01/02/2016

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

90



DESEMBER 2015



: 2012

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

1

0.00 50.00

2


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)

01/02/2016

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)

10,441.00

10,441.00

11.05

11.05

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

50.00 100.00

8,601.00

19,042.00

9.10

20.16

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

9,705.00

28,747.00

10.27

30.43

2,155.61

3,665.03

0.33

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

6,312.00

35,059.00

6.68

37.11

2,392.02

6,057.06

0.36

0.92

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

9,328.00

44,387.00

9.87

46.98

5,698.79

11,755.85

0.87

1.79

1.00

1.00

6.67

6.67

17.44

17.44

0.93

0.93

0.31

0.15

6

500.00 750.00

7,206.00

51,593.00

7.63

54.61

6,589.00

18,344.84

1.00

2.79

0.00

1.00

0.00

6.67

0.00

17.44

0.00

0.93

0.00

0.10

7

750.00 1,000.00

8,514.00

60,107.00

9.01

63.62

11,149.51

29,494.36

1.70

4.48

0.00

1.00

0.00

6.67

0.00

17.44

0.00

0.93

0.00

0.06

8

1,000.00 1,500.00

10,607.00

70,714.00

11.23

74.85

18,613.33

48,107.69

2.83

7.31

0.00

1.00

0.00

6.67

0.00

17.44

0.00

0.93

0.00

0.04

9

1,500.00 2,000.00

4,656.00

75,370.00

4.93

79.78

12,082.85

60,190.54

1.84

9.15

4.00

5.00

26.67

33.33

709.83

727.27

37.80

38.73

5.87

1.21

10

2,000.00 2,500.00

2,707.00

78,077.00

2.87

82.65

8,763.25

68,953.79

1.33

10.48

1.00

6.00

6.67

40.00

62.33

789.59

3.32

42.05

0.71

1.15

11

2,500.00 3,000.00

2,110.00

80,187.00

2.23

84.88

8,408.16

77,361.96

1.28

11.76

0.00

6.00

0.00

40.00

0.00

789.59

0.00

42.05

0.00

1.02

12

3,000.00 4,000.00

2,645.00

82,832.00

2.80

87.68

13,429.97

90,791.93

2.04

13.80

0.00

6.00

0.00

40.00

0.00

789.59

0.00

42.05

0.00

0.87

13

4,000.00 5,000.00

1,884.00

84,716.00

1.99

89.67

12,295.53

103,087.46

1.87

15.67

0.00

6.00

0.00

40.00

0.00

789.59

0.00

42.05

0.00

0.77

14

5,000.00 7,500.00

2,511.00

87,227.00

2.66

92.33

21,658.82

124,746.29

3.29

18.97

2.00

8.00

13.33

53.33

319.96

1,109.55

17.04

59.09

1.48

0.89

15

7,500.00 10,000.00

1,600.00

88,827.00

1.69

94.03

19,842.85

144,589.14

3.02

21.98

2.00

10.00

13.33

66.67

462.93

1,572.48

24.65

83.75

2.33

1.09

16

10,000.00 20,000.00

2,425.00

91,252.00

2.57

96.59

48,028.34

192,617.47

7.30

29.29

4.00

14.00

26.67

93.33

301.07

1,873.55

16.03

99.78

0.63

0.97

17

20,000.00 50,000.00

1,802.00

93,054.00

1.91

98.50

76,672.58

269,290.05

11.66

40.94

0.00

14.00

0.00

93.33

0.00

1,873.55

0.00

99.78

0.00

0.70

18

50,000.00 100,000.00

782.00

93,836.00

0.83

99.33

69,906.97

339,197.01

10.63

51.57

0.00

14.00

0.00

93.33

0.00

1,873.55

0.00

99.78

0.00

0.55

19

100,000.00 500,000.00

539.00

94,375.00

0.57

99.90

151,541.43

490,738.44

23.04

74.61

1.00

15.00

6.67

100.00

4.14

1,877.69

0.22

100.00

0.00

0.38

20

500,000.00 UP

96.00

94,471.00

0.10

100.00

166,986.02

657,724.46

25.39

100.00

0.00

15.00

0.00

100.00

0.00

1,877.69

0.00

100.00

0.00

0.29

91



DESEMBER 2015



: 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)

01/02/2016

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

5.76

5.76

33.85

33.85

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

2.83

8.59

54.61

88.46

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

721.00

2,197.00

4.20

12.79

167.45

255.92

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

2,874.00

3.94

16.72

247.88

503.80

0.01

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

3,698.00

4.80

21.52

518.20

1,022.00

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

737.00

4,435.00

4.29

25.81

706.06

1,728.05

0.04

0.10

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

5,122.00

4.00

29.81

943.79

2,671.84

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

1,005.00

6,127.00

5.85

35.66

2,008.12

4,679.96

0.12

0.28

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

717.00

6,844.00

4.17

39.83

1,940.80

6,620.76

0.12

0.39

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

604.00

7,448.00

3.51

43.34

2,035.32

8,656.08

0.12

0.51

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

7,979.00

3.09

46.43

2,200.27

10,856.35

0.13

0.64

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

768.00

8,747.00

4.47

50.90

4,001.95

14,858.30

0.24

0.88

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

607.00

9,354.00

3.53

54.43

4,012.28

18,870.58

0.24

1.12

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

1,077.00

10,431.00

6.27

60.70

9,677.81

28,548.39

0.57

1.69

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

829.00

11,260.00

4.82

65.53

10,334.42

38,882.81

0.61

2.31

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

1,582.00

12,842.00

9.21

74.73

32,207.88

71,090.69

1.91

4.22

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

1,718.00

14,560.00

10.00

84.73

77,305.73

148,396.42

4.59

8.80

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

1,009.00

15,569.00

5.87

90.60

99,188.45

247,584.88

5.88

14.69

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

1,210.00

16,779.00

7.04

97.64

346,315.14

593,900.02

20.54

35.23

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

405.00

17,184.00

2.36

100.00 1,092,020.03

1,685,920.05

64.77

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

92



DESEMBER 2015



: 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)

01/02/2016

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

5,908.00

5,908.00

9.65

9.65

178.82

178.82

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

4,479.00

10,387.00

7.32

16.97

505.15

683.97

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

8,787.00

19,174.00

14.36

31.33

1,908.34

2,592.31

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

25,822.00

10.86

42.19

2,415.65

5,007.96

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

34,667.00

14.45

56.65

5,052.15

10,060.12

1.46

2.90

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

5,758.00

40,425.00

9.41

66.06

4,941.95

15,002.07

1.43

4.33

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

45,173.00

7.76

73.81

5,750.87

20,752.93

1.66

5.99

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

49,673.00

7.35

81.17

7,649.17

28,402.10

2.21

8.20

1.00

1.00

100.00

100.00

28.31

28.31

100.00

100.00

0.37

0.10

9

1,500.00 2,000.00

2,587.00

52,260.00

4.23

85.39

6,241.25

34,643.35

1.80

10.00

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.08

10

2,000.00 2,500.00

1,556.00

53,816.00

2.54

87.94

4,845.33

39,488.68

1.40

11.39

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.07

11

2,500.00 3,000.00

1,218.00

55,034.00

1.99

89.93

4,634.16

44,122.83

1.34

12.73

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.06

12

3,000.00 4,000.00

1,422.00

56,456.00

2.32

92.25

6,939.26

51,062.09

2.00

14.73

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.06

13

4,000.00 5,000.00

908.00

57,364.00

1.48

93.73

5,868.07

56,930.17

1.69

16.43

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.05

14

5,000.00 7,500.00

1,187.00

58,551.00

1.94

95.67

10,277.15

67,207.31

2.97

19.39

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.04

15

7,500.00 10,000.00

679.00

59,230.00

1.11

96.78

8,620.33

75,827.65

2.49

21.88

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.04

16

10,000.00 20,000.00

903.00

60,133.00

1.48

98.26

20,027.97

95,855.62

5.78

27.66

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.03

17

20,000.00 50,000.00

525.00

60,658.00

0.86

99.12

24,607.37

120,462.99

7.10

34.76

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.02

18

50,000.00 100,000.00

221.00

60,879.00

0.36

99.48

21,633.28

142,096.27

6.24

41.00

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.02

19

100,000.00 500,000.00

276.00

61,155.00

0.45

99.93

88,662.06

230,758.33

25.58

66.59

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.01

20

500,000.00 UP

44.00

61,199.00

0.07

100.00

115,787.78

346,546.10

33.41

100.00

0.00

1.00

0.00

100.00

0.00

28.31

0.00

100.00

0.00

0.01

93



DESEMBER 2015



:2011

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)

01/02/2016

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

5.00

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

94



DESEMBER 2015



: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)

01/02/2016

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

2,169.41

3,632.27

0.29

0.48

1.00

1.00

1.56

1.56

4.82

4.82

0.05

0.05

0.22

0.13

4

200.00 300.00

6,257.00

36,310.00

6.84

39.72

2,328.55

5,960.81

0.31

0.79

1.00

2.00

1.56

3.13

6.98

11.80

0.07

0.12

0.30

0.20

5

300.00 500.00

9,455.00

45,765.00

10.34

50.06

5,734.49

11,695.30

0.76

1.54

16.00

18.00

25.00

28.13

65.99

77.79

0.68

0.80

1.15

0.67

6

500.00 750.00

6,700.00

52,465.00

7.33

57.39

6,029.23

17,724.53

0.80

2.34

3.00

21.00

4.69

32.81

111.19

188.98

1.15

1.95

1.84

1.07

7

750.00 1,000.00

8,385.00

60,850.00

9.17

66.56

11,235.60

28,960.13

1.48

3.82

1.00

22.00

1.56

34.38

62.47

251.45

0.64

2.60

0.56

0.87

8

1,000.00 1,500.00

8,429.00

69,279.00

9.22

75.78

15,159.07

44,119.20

2.00

5.82

2.00

24.00

3.13

37.50

107.84

359.29

1.11

3.71

0.71

0.81

9

1,500.00 2,000.00

4,191.00

73,470.00

4.58

80.36

10,679.55

54,798.75

1.41

7.23

4.00

28.00

6.25

43.75

373.42

732.70

3.86

7.56

3.50

1.34

10

2,000.00 2,500.00

2,591.00

76,061.00

2.83

83.19

8,398.39

63,197.14

1.11

8.34

2.00

30.00

3.13

46.88

164.22

896.92

1.70

9.26

1.96

1.42

11

2,500.00 3,000.00

1,976.00

78,037.00

2.16

85.36

7,949.19

71,146.33

1.05

9.38

2.00

32.00

3.13

50.00

179.63

1,076.55

1.85

11.11

2.26

1.51

12

3,000.00 4,000.00

2,562.00

80,599.00

2.80

88.16

12,763.72

83,910.05

1.68

11.07

3.00

35.00

4.69

54.69

104.87

1,181.42

1.08

12.20

0.82

1.41

13

4,000.00 5,000.00

1,859.00

82,458.00

2.03

90.19

12,133.93

96,043.98

1.60

12.67

3.00

38.00

4.69

59.38

206.61

1,388.03

2.13

14.33

1.70

1.45

14

5,000.00 7,500.00

2,372.00

84,830.00

2.59

92.79

20,397.28

116,441.26

2.69

15.36

7.00

45.00

10.94

70.31

2,515.56

3,903.58

25.97

40.30

12.33

3.35

15

7,500.00 10,000.00

1,487.00

86,317.00

1.63

94.41

18,559.88

135,001.14

2.45

17.81

2.00

47.00

3.13

73.44

203.02

4,106.61

2.10

42.40

1.09

3.04

16

10,000.00 20,000.00

2,302.00

88,619.00

2.52

96.93

44,071.74

179,072.88

5.81

23.62

2.00

49.00

3.13

76.56

596.76

4,703.37

6.16

48.56

1.35

2.63

17

20,000.00 50,000.00

1,680.00

90,299.00

1.84

98.77

71,930.51

251,003.39

9.49

33.11

9.00

58.00

14.06

90.63

4,293.72

8,997.09

44.33

92.89

5.97

3.58

18

50,000.00 100,000.00

622.00

90,921.00

0.68

99.45

61,637.08

312,640.47

8.13

41.23

2.00

60.00

3.13

93.75

446.27

9,443.35

4.61

97.49

0.72

3.02

19

100,000.00 500,000.00

431.00

91,352.00

0.47

99.92

117,476.13

430,116.60

15.49

56.73

4.00

64.00

6.25 100.00

242.80

9,686.16

2.51

100.00

0.21

2.25

20

500,000.00 UP

74.00

91,426.00

0.08

100.00

328,082.08

758,198.68

43.27

100.00

0.00

64.00

0.00 100.00

0.00

9,686.16

0.00

100.00

0.00

1.28

95



DESEMBER 2015



: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)

01/02/2016

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

913.70

2,295.36

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

4,141.53

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

6,074.99

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

7,875.66

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

9,932.76

0.12

0.58

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

3,641.69

13,574.46

0.21

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

3,872.72

17,447.18

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

8,296.50

25,743.68

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

35,375.36

0.57

2.08

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

28,892.60

64,267.96

1.70

3.78

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

134,867.79

4.16

7.94

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

216,654.02

4.81

12.75

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

1,204.00

14,573.00

8.03

97.17

328,942.53

545,596.55

19.36

32.12

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 1,153,254.67

1,698,851.22

67.88

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

96



DESEMBER 2015



: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)

01/02/2016

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

28.43

29.79

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

31.77

0.23

1.75

5

300.00 500.00

9,052.00

33,492.00

15.31

56.63

5,004.46

10,081.00

1.46

2.94

8.00

13.00

32.00

52.00

11.12

99.83

3.98

35.76

0.22

0.99

6

500.00 750.00

5,894.00

39,386.00

9.97

66.60

4,934.30

15,015.29

1.44

4.39

4.00

17.00

16.00

68.00

43.05

142.89

15.42

51.18

0.87

0.95

7

750.00 1,000.00

4,492.00

43,878.00

7.60

74.20

5,311.25

20,326.54

1.55

5.94

2.00

19.00

8.00

76.00

13.45

156.34

4.82

56.00

0.25

0.77

8

1,000.00 1,500.00

4,279.00

48,157.00

7.24

81.43

7,204.79

27,531.33

2.10

8.04

2.00

21.00

8.00

84.00

25.21

181.55

9.03

65.03

0.35

0.66

9

1,500.00 2,000.00

2,456.00

50,613.00

4.15

85.58

5,846.57

33,377.90

1.71

9.75

1.00

22.00

4.00

88.00

48.70

230.25

17.45

82.47

0.83

0.69

10

2,000.00 2,500.00

1,491.00

52,104.00

2.52

88.11

4,606.33

37,984.22

1.35

11.09

0.00

22.00

0.00

88.00

0.00

230.25

0.00

82.47

0.00

0.61

11

2,500.00 3,000.00

1,192.00

53,296.00

2.02

90.12

4,383.63

42,367.85

1.28

12.37

1.00

23.00

4.00

92.00

13.67

243.92

4.89

87.37

0.31

0.58

12

3,000.00 4,000.00

1,373.00

54,669.00

2.32

92.44

6,614.77

48,982.62

1.93

14.31

0.00

23.00

0.00

92.00

0.00

243.92

0.00

87.37

0.00

0.50

13

4,000.00 5,000.00

865.00

55,534.00

1.46

93.91

5,364.81

54,347.43

1.57

15.87

0.00

23.00

0.00

92.00

0.00

243.92

0.00

87.37

0.00

0.45

14

5,000.00 7,500.00

1,122.00

56,656.00

1.90

95.80

9,908.27

64,255.70

2.89

18.77

1.00

24.00

4.00

96.00

10.12

254.04

3.62

90.99

0.10

0.40

15

7,500.00 10,000.00

641.00

57,297.00

1.08

96.89

8,174.52

72,430.23

2.39

21.15

0.00

24.00

0.00

96.00

0.00

254.04

0.00

90.99

0.00

0.35

16

10,000.00 20,000.00

810.00

58,107.00

1.37

98.26

18,456.08

90,886.31

5.39

26.54

0.00

24.00

0.00

96.00

0.00

254.04

0.00

90.99

0.00

0.28

17

20,000.00 50,000.00

533.00

58,640.00

0.90

99.16

24,545.68

115,431.99

7.17

33.71

1.00

25.00

4.00 100.00

25.15

279.19

9.01

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

138,415.36

6.71

40.42

0.00

25.00

0.00 100.00

0.00

279.19

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

218,563.48

23.41

63.83

0.00

25.00

0.00 100.00

0.00

279.19

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

342,408.99

36.17

100.00

0.00

25.00

0.00 100.00

0.00

279.19

0.00

100.00

0.00

0.08

97



DESEMBER 2015


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 31/12/2015

In IDR

NATIONAL AGGREGAT EXPOSURE

CRESTA ZONE

01/02/2016

PROCESSING DATE :

2015 A;C;E;N;R

UNDERWRITING YEAR : : POLICY STATUS

Amount

NATIONAL GROSS PREMIUM %

Amount

%

%

Amount

CLAIM FREQUENCY

CLAIM

NUMBER OF RISKS

%

Amount

%

Amount

BANDA ACEH

1.1

5,516,851,989,800.59

0.30

10,564,090,021.28

0.40

451

0.31

0.00

0.00

0

0.00

MEDAN

1.2

41,944,961,328,351.60

2.30

61,564,400,728.66

2.33

5,463

3.79

0.00

0.00

0

0.00

OTHERS

1.3

39,927,200,326,633.20

2.19

66,163,059,255.81

2.50

2,960

2.05

0.00

0.00

0

0.00


1 2.1

87,389,013,644,785.40 19,147,197,211,798.20

4.79 1.05

138,291,550,005.75 36,585,474,425.80

5.23 1.38

8,874 10,634

6.15 7.37

0.00 0.00

0.00 0.00

0 0

0.00 0.00

PALEMBANG

2.2

7,188,283,079,495.92

0.39

7,580,936,916.02

0.29

1,244

0.86

0.00

0.00

0

0.00

OTHERS

2.3

135,368,834,051,010.00

7.42

181,363,847,654.70

6.86

14,025

9.72

0.00

0.00

0

0.00


2 3.1

161,704,314,342,304.00 401,355,505,210,105.00

8.86 21.99

225,530,258,996.52 620,422,945,822.54

8.53 23.48

25,903 33,355

17.96 23.12

0.00 0.00

0.00 0.00

0 0

0.00 0.00

BANDUNG

3.2

10,947,196,964,959.80

0.60

17,847,314,134.22

0.68

1,978

1.37

0.00

0.00

0

0.00

OTHERS

3.3

527,075,860,116,502.00

28.88

806,415,348,239.32

30.52

30,530

21.16

1,100,000,000.00

25.66

1

4.76

WEST JAVA SEMARANG

3 4.1

939,378,562,291,566.00 7,044,667,140,401.29

51.46 0.39

1,444,685,608,196.08 8,937,587,998.21

54.67 0.34

65,863 700

45.66 0.49

1,100,000,000.00 0.00

25.66 0.00

1 0

4.76 0.00

YOGYAKARTA

4.2

9,980,855,147,610.32

0.55

14,927,937,014.09

0.56

1,974

1.37

0.00

0.00

0

0.00

OTHERS

4.3

138,820,526,968,483.00

7.61

183,160,095,288.87

6.93

9,526

6.60

0.00

0.00

0

0.00


4 5.1

155,846,049,256,495.00 41,980,279,421,141.30

8.54 2.30

207,025,620,301.17 51,614,107,136.62

7.83 1.95

12,200 4,159

8.46 2.88

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

163,684,164,646,154.00

8.97

198,110,243,193.61

7.50

6,173

4.28

0.00

0.00

0

0.00

5 6

205,664,444,067,295.00 61,404,909,613,496.10

11.27 3.36

249,724,350,330.23 58,013,933,042.66

9.45 2.20

10,332 3,736

7.16 2.59

0.00 10,000,000.00

0.00 0.23

0 1

0.00 4.76

EAST JAVA KALIMANTAN UJUNG PANDANG

7.1

12,520,340,468,003.40

0.69

11,691,544,600.59

0.44

1,604

1.11

0.00

0.00

0

0.00

OTHERS

7.2

120,761,686,882,878.00

6.62

178,688,582,012.37

6.76

3,736

2.59

0.00

0.00

0

0.00

7 8

133,282,027,350,881.00 80,695,248,266,503.30

7.30 4.42

190,380,126,612.96 128,898,557,651.66

7.20 4.88

5,340 12,012

3.70 8.33

0.00 3,176,604,753.00

0.00 74.11

0 19

0.00 90.48

1,825,364,568,833,330.00

100.00

2,642,550,005,137.03

100.00

144,260 100.00

4,286,604,753.00

100.00

21

100.00

SULAWESI OTHERS TOTAL

98



DESEMBER 2015



In IDR


CRESTA ZONE

01/02/2016

PROCESSING DATE :

2014 A;C;E;N;R


Amount


Amount

%

%

Amount

CLAIM FREQUENCY

CLAIM

NUMBER OF RISKS

%

Amount

%

Amount

BANDA ACEH

1.1

6,380,320,399,315.72

0.20

12,995,081,088.46

0.26

628

0.28

0.00

0.00

0

0.00

MEDAN

1.2

54,179,134,564,189.90

1.73

76,207,400,590.46

1.52

7,622

3.39

0.00

0.00

0

0.00

OTHERS

1.3

56,392,260,850,571.50

1.80

91,589,350,146.51

1.82

5,413

2.41

0.00

0.00

0

0.00


1 2.1

116,951,715,814,077.00 30,344,238,075,932.70

3.73 0.97

180,791,831,825.43 58,666,890,741.35

3.60 1.17

13,663 12,644

6.08 5.63

0.00 17,491,400.00

0.00 1.87

0 2

0.00 14.29

PALEMBANG

2.2

21,073,398,150,628.40

0.67

22,757,855,567.55

0.45

1,997

0.89

0.00

0.00

0

0.00

OTHERS

2.3

201,198,139,300,109.00

6.41

265,615,576,858.19

5.29

22,746

10.13

0.00

0.00

0

0.00


2 3.1

252,615,775,526,670.00 656,480,174,576,657.00

8.05 20.91

347,040,323,167.09 1,093,431,240,656.01

6.91 21.77

37,387 50,628

16.64 22.54

17,491,400.00 0.00

1.87 0.00

2 0

14.29 0.00

BANDUNG

3.2

11,756,896,694,339.50

0.37

18,976,382,860.98

0.38

2,235

1.00

0.00

0.00

0

0.00

OTHERS

3.3

1,118,401,899,211,520.00

35.63

1,985,178,570,752.67

39.53

49,841

22.19

0.00

0.00

0

0.00

WEST JAVA SEMARANG

3 4.1

1,786,638,970,482,510.00 8,717,813,368,498.40

56.92 0.28

3,097,586,194,269.66 12,310,148,889.22

61.68 0.25

102,704 1,221

45.72 0.54

0.00 0.00

0.00 0.00

0 0

0.00 0.00

YOGYAKARTA

4.2

14,139,914,312,838.60

0.45

21,774,445,837.92

0.43

2,667

1.19

0.00

0.00

0

0.00

OTHERS

4.3

148,208,865,760,931.00

4.72

209,765,350,236.20

4.18

15,348

6.83

0.00

0.00

0

0.00


4 5.1

171,066,593,442,268.00 79,851,345,390,068.60

5.45 2.54

243,849,944,963.34 111,601,144,990.16

4.86 2.22

19,236 6,485

8.56 2.89

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

363,109,690,948,439.00

11.57

529,636,075,898.47

10.55

12,205

5.43

111,029,676.05

11.87

3

21.43

5 6

442,961,036,338,508.00 133,726,946,218,284.00

14.11 4.26

641,237,220,888.63 137,756,004,917.57

12.77 2.74

18,690 7,457

8.32 3.32

111,029,676.05 0.00

11.87 0.00

3 0

21.43 0.00


7.1

22,935,399,232,639.40

0.73

26,245,803,418.06

0.52

2,078

0.93

0.00

0.00

0

0.00

OTHERS

7.2

113,013,262,727,792.00

3.60

180,816,145,160.67

3.60

6,554

2.92

78,511,425.00

8.40

3

21.43

7 8

135,948,661,960,431.00 99,207,920,834,408.20

4.33 3.16

207,061,948,578.73 166,333,019,400.85

4.12 3.31

8,632 16,852

3.84 7.50

78,511,425.00 727,983,074.00

8.40 77.86

3 6

21.43 42.86

3,139,117,620,617,160.00

100.00

5,021,656,488,011.30

100.00

224,621 100.00

935,015,575.05

100.00

14

100.00


99



DESEMBER 2015


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 31/12/2015 UNDERWRITING YEAR : POLICY STATUS :

2013 A;C;E;N;R

PROCESSING DATE :

In IDR


CRESTA ZONE

01/02/2016

Amount


Amount

%

NUMBER OF RISKS Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

BANDA ACEH

1.1

4,622,772,111,462.52

0.17

8,780,371,316.98

0.19

606

0.32

21,000,000.00

0.01

1

1.69

MEDAN

1.2

48,021,319,931,325.20

1.74

65,225,046,946.91

1.44

6,616

3.50

0.00

0.00

0

0.00

OTHERS

1.3

49,729,745,300,917.30

1.80

76,054,243,381.62

1.68

4,049

2.14

0.00

0.00

0

0.00


1 2.1

102,373,837,343,705.00 27,108,393,866,235.50

3.71 0.98

150,059,661,645.51 52,284,018,726.18

3.31 1.15

11,271 10,703

5.96 5.66

21,000,000.00 6,710,774.00

0.01 0.00

1 1

1.69 1.69

PALEMBANG

2.2

23,226,059,322,507.00

0.84

24,539,765,502.34

0.54

1,877

0.99

0.00

0.00

0

0.00

OTHERS

2.3

150,901,077,439,304.00

5.47

195,024,370,402.77

4.30

17,986

9.51

3,997,822.00

0.00

1

1.69


2 3.1

201,235,530,628,046.00 434,983,119,085,188.00

7.29 15.77

271,848,154,631.29 701,096,622,582.21

6.00 15.48

30,566 47,673

16.16 25.20

10,708,596.00 0.00

0.00 0.00

2 0

3.39 0.00

BANDUNG

3.2

10,565,576,385,753.00

0.38

16,522,055,418.67

0.36

2,125

1.12

22,511,000.00

0.01

1

1.69

OTHERS

3.3

989,058,718,206,873.00

35.85

1,696,236,956,243.95

37.44

38,908

20.57

0.00

0.00

0

0.00

WEST JAVA SEMARANG

3 4.1

1,434,607,413,677,810.00 8,896,839,847,452.73

52.00 0.32

2,413,855,634,244.83 11,846,771,139.16

53.28 0.26

88,706 920

46.89 0.49

22,511,000.00 0.00

0.01 0.00

1 0

1.69 0.00

YOGYAKARTA

4.2

8,572,002,953,780.61

0.31

13,357,450,597.89

0.29

2,192

1.16

1,505,206,421.00

0.52

5

8.47

OTHERS

4.3

136,782,391,322,905.00

4.96

186,297,205,222.13

4.11

10,546

5.57

9,125,734,300.44

3.17

6

10.17


4 5.1

154,251,234,124,138.00 134,255,180,232,704.00

5.59 4.87

211,501,426,959.18 220,175,599,260.80

4.67 4.86

13,658 6,255

7.22 3.31

10,630,940,721.44 0.00

3.69 0.00

11 0

18.64 0.00

OTHERS

5.2

233,222,722,561,370.00

8.45

342,531,106,458.03

7.56

8,456

4.47

277,169,671,601.76

96.28

41

69.49

5 6

367,477,902,794,074.00 128,309,277,947,271.00

13.32 4.65

562,706,705,718.83 133,742,522,561.26

12.42 2.95

14,711 7,067

7.78 3.74

277,169,671,601.76 0.00

96.28 0.00

41 0

69.49 0.00


7.1

14,119,462,393,835.50

0.51

14,247,891,005.40

0.31

2,059

1.09

0.00

0.00

0

0.00

OTHERS

7.2

39,197,500,637,787.70

1.42

63,785,666,401.65

1.41

6,271

3.31

0.00

0.00

0

0.00

53,316,963,031,623.20 317,037,173,615,059.00

1.93 11.49

78,033,557,407.05 708,554,485,188.98

1.72 15.64

8,330 14,863

4.40 7.86

0.00 26,774,153.20

0.00 0.01

0 3

0.00 5.08

2,758,609,333,161,730.00

100.00

4,530,302,148,356.93

100.00

189,172 100.00

287,881,606,072.40

100.00

59

100.00


7 8

100



DESEMBER 2015



In IDR


CRESTA ZONE

01/02/2016

PROCESSING DATE :

2012 A;C;E;N;R


Amount


Amount

%

%

Amount

CLAIM FREQUENCY

CLAIM

NUMBER OF RISKS

%

Amount

%

Amount

BANDA ACEH

1.1

3,885,123,784,587.20

0.20

7,353,733,470.29

0.27

589

0.34

1,338,645,096.00

70.23

6

37.50

MEDAN

1.2

39,926,317,753,351.10

2.02

49,823,429,099.22

1.83

6,003

3.46

14,936,201.00

0.78

2

12.50

OTHERS

1.3

39,954,965,550,405.30

2.02

52,403,581,223.16

1.93

4,663

2.69

0.00

0.00

0

0.00


1 2.1

83,766,407,088,343.60 18,936,637,401,727.70

4.25 0.96

109,580,743,792.67 35,748,398,735.55

4.03 1.31

11,255 10,643

6.50 6.14

1,353,581,297.00 0.00

71.02 0.00

8 0

50.00 0.00

PALEMBANG

2.2

18,984,111,783,255.90

0.96

17,769,518,269.29

0.65

1,534

0.89

0.00

0.00

0

0.00

OTHERS

2.3

134,454,333,405,891.00

6.81

156,175,313,138.85

5.74

17,392

10.04

28,314,000.00

1.49

1

6.25


2 3.1

172,375,082,590,874.00 399,879,551,278,611.00

8.74 20.27

209,693,230,143.69 599,721,638,263.18

7.71 22.05

29,569 36,250

17.06 20.92

28,314,000.00 0.00

1.49 0.00

1 0

6.25 0.00

BANDUNG

3.2

11,045,021,688,987.80

0.56

16,554,802,345.44

0.61

1,987

1.15

0.00

0.00

0

0.00

OTHERS

3.3

662,556,170,510,363.00

33.58

967,715,936,592.74

35.58

36,708

21.18

17,438,200.00

0.91

1

6.25

WEST JAVA SEMARANG

3 4.1

1,073,480,743,477,960.00 7,128,540,426,300.66

54.41 0.36

1,583,992,377,201.36 8,884,617,313.31

58.24 0.33

74,945 806

43.25 0.47

17,438,200.00 0.00

0.91 0.00

1 0

6.25 0.00

YOGYAKARTA

4.2

9,213,654,452,599.54

0.47

14,027,570,399.90

0.52

2,309

1.33

0.00

0.00

0

0.00

OTHERS

4.3

102,691,869,441,901.00

5.20

128,668,121,640.91

4.73

10,344

5.97

0.00

0.00

0

0.00


4 5.1

119,034,064,320,801.00 51,268,013,090,249.70

6.03 2.60

151,580,309,354.12 65,668,068,636.45

5.57 2.41

13,459 6,193

7.77 3.57

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

241,910,275,276,202.00

12.26

314,027,084,980.74

11.55

7,847

4.53

0.00

0.00

0

0.00

5 6

293,178,288,366,452.00 101,466,311,177,791.00

14.86 5.14

379,695,153,617.19 93,902,425,158.81

13.96 3.45

14,040 7,642

8.10 4.41

0.00 0.00

0.00 0.00

0 0

0.00 0.00

UJUNG PANDANG

7.1

10,440,854,149,882.30

0.53

9,994,887,306.13

0.37

1,915

1.11

0.00

0.00

0

0.00

OTHERS

7.2

53,982,731,254,031.10

2.74

82,745,164,276.72

3.04

6,213

3.59

377,159,738.51

19.79

3

18.75

7 8

64,423,585,403,913.30 65,375,069,733,110.70

3.27 3.31

92,740,051,582.85 98,425,557,540.66

3.41 3.62

8,128 14,236

4.69 8.22

377,159,738.51 129,510,279.54

19.79 6.79

3 3

18.75 18.75

1,973,099,552,159,250.00

100.00

2,719,609,848,391.35

100.00

173,274 100.00

1,906,003,515.05

100.00

16

100.00



101



DESEMBER 2015


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 31/12/2015 UNDERWRITING YEAR : POLICY STATUS :

2011 A;C;E;N;R

CRESTA ZONE

PROCESSING DATE : 01/02/2016

In IDR

NATIONAL AGGREGAT EXPOSURE Amount

%

NATIONAL GROSS PREMIUM 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

379,114,498.20

3.80

4

4.49

MEDAN

1.2

46,652,172,698,019.40

2.16

54,849,290,878.55

1.94

5,777

3.48

96,659,672.63

0.97

8

8.99

OTHERS

1.3

98,732,449,809,919.40

4.58

132,329,486,203.50

4.69

4,491

2.71

170,435,941.60

1.71

2

2.25


1 2.1

150,183,684,073,175.00 16,558,027,553,262.30

6.97 0.77

194,795,250,759.45 30,869,624,074.28

6.90 1.09

10,786 9,869

6.50 5.95

646,210,112.43 29,390,800.00

6.48 0.29

14 5

15.73 5.62

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

124,326,613,863,710.00

5.77

138,546,777,880.38

4.91

16,565

9.98

4,240,833,936.00

42.56

10

11.24


2 3.1

156,554,793,628,463.00 464,788,039,293,112.00

7.26 21.56

184,065,221,876.12 670,417,956,234.69

6.52 23.75

27,877 38,645

16.80 23.29

4,270,224,736.00 0.00

42.85 0.00

15 0

16.85 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

0.68

1

1.12

OTHERS

3.3

607,546,357,655,557.00

28.18

837,118,673,264.09

29.65

34,085

20.54

7,100,000.00

0.07

1

1.12

WEST JAVA SEMARANG

3 4.1

1,079,216,307,004,490.00 6,547,169,388,280.43

50.06 0.30

1,517,605,835,415.89 7,986,696,304.55

53.75 0.28

73,877 669

44.52 0.40

74,453,075.00 0.00

0.75 0.00

2 0

2.25 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

5.18

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 3.91

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

300,804,196,856,445.00

13.95

360,772,475,625.37

12.78

7,287

4.39

0.00

0.00

0

0.00

5 6

387,941,546,339,995.00 123,120,604,752,261.00

17.99 5.71

471,272,781,953.06 103,644,783,974.23

16.69 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

0.07

1

1.12

7 8

70,085,979,063,123.30 55,304,797,043,097.90

3.25 2.57

103,169,203,801.95 79,157,345,116.55

3.65 2.80

8,880 12,908

5.35 7.78

6,662,800.00 4,967,794,672.90

0.07 49.85

1 57

1.12 64.04

2,155,987,725,639,000.00

100.00

2,823,356,200,046.74

100.00

165,940 100.00

9,965,345,396.33

100.00

89

100.00



102



DESEMBER 2015


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 31/12/2015 UNDERWRITING YEAR POLICY STATUS

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


In IDR

NATIONAL AGGREGATE EXPOSURE

OCCUPATION

Amount

NATIONAL GROSS PREMIUM

%

Amount

%


CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

12,512,729,996,654.10

0.69

15,344,912,446.26

0.58

172.00

0.12

0.00

0.00

0.00

0.00

COMMERCIAL

C

556,459,095,852,838.00

30.48

821,905,031,108.37

31.10

70,863.00

49.12

3,378,130,752.00

78.81

14.00

66.67

INDUSTRIAL

I

1,019,327,118,050,060.00

55.84

1,446,774,248,443.11

54.75

11,185.00

7.75

0.00

0.00

0.00

0.00

RESIDENTIAL

R

237,065,624,933,775.00

12.99

358,525,813,139.31

13.57

62,040.00

43.01

908,474,001.00

21.19

7.00

33.33

1,825,364,568,833,330.00

100.00

2,642,550,005,137.05

100.00

144,260.00

100.00

4,286,604,753.00

100.00

21.00

100.00

T OT AL

103



DESEMBER 2015



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


In IDR


OCCUPATION

Amount


%

Amount

%


CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

21,898,886,369,542.20

0.70

27,772,331,433.35

0.55

487.00

0.22

0.00

0.00

0.00

0.00

COMMERCIAL

C

710,443,365,387,901.00

22.63

1,085,337,474,107.64

21.61

116,563.00

51.89

624,550,950.05

66.80

10.00

71.43

INDUSTRIAL

I

2,006,957,034,069,720.00

63.93

3,267,929,121,061.90

65.08

18,513.00

8.24

200,000,000.00

21.39

1.00

7.14

RESIDENTIAL

R

399,818,334,789,999.00

12.74

640,617,561,408.40

12.76

89,058.00

39.65

110,464,625.00

11.81

3.00

21.43

3,139,117,620,617,160.00

100.00

5,021,656,488,011.29

100.00

224,621.00

100.00

935,015,575.05

100.00

14.00

100.00

T OT AL

104



DESEMBER 2015



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


In IDR


OCCUPATION

Amount


%

Amount

%


CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

25,959,872,979,597.60

0.94

35,250,816,165.82

0.78

535.00

0.28

0.00

0.00

0.00

0.00

COMMERCIAL

C

997,234,471,222,148.00

36.15

1,812,094,729,943.74

40.00

100,579.00

53.17

286,901,665,720.40

99.66

47.00

79.66

INDUSTRIAL

I

1,418,650,385,842,790.00

51.43

2,209,696,178,360.79

48.78

18,427.00

9.74

890,057,888.00

0.31

5.00

8.47

RESIDENTIAL

R

316,764,603,117,193.00

11.48

473,260,423,886.57

10.45

69,631.00

36.81

89,882,464.00

0.03

7.00

11.86

2,758,609,333,161,730.00

100.00

4,530,302,148,356.92

100.00

189,172.00

100.00

287,881,606,072.40

100.00

59.00

100.00

T OT AL

105



DESEMBER 2015



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


In IDR


OCCUPATION

Amount


%

Amount

%


CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

23,543,592,772,030.10

1.19

29,419,229,652.86

1.08

420.00

0.24

0.00

0.00

0.00

0.00

COMMERCIAL

C

458,107,980,168,757.00

23.22

657,724,459,784.09

24.18

94,471.00

54.52

1,877,689,515.05

98.51

15.00

93.75

INDUSTRIAL

I

1,261,037,740,470,740.00

63.91

1,685,920,054,092.97

61.99

17,184.00

9.92

0.00

0.00

0.00

0.00

RESIDENTIAL

R

230,410,238,747,720.00

11.68

346,546,104,861.43

12.74

61,199.00

35.32

28,314,000.00

1.49

1.00

6.25

1,973,099,552,159,250.00

100.00

2,719,609,848,391.35

100.00

173,274.00

100.00

1,906,003,515.05

100.00

16.00

100.00

T OT AL

106



DESEMBER 2015



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


In IDR


OCCUPATION

Amount


%

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

543,582,320,342,770.00

25.21

758,198,676,977.93

26.85

91,426.00

55.10

9,686,155,241.29

97.20

64.00

71.91

INDUSTRIAL

I

1,359,750,954,334,130.00

63.07

1,698,851,218,876.43

60.17

14,997.00

9.04

0.00

0.00

0.00

0.00

RESIDENTIAL

R

232,484,144,168,908.00

10.78

342,408,988,823.76

12.13

59,138.00

35.64

279,190,155.04

2.80

25.00

28.09

2,155,987,725,639,000.00

100.00

2,823,356,200,046.73

100.00

165,940.00

100.00

9,965,345,396.33

100.00

89.00

100.00

T OT AL

107



DESEMBER 2015


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 31/12/2015

UNDERWRITING YEAR POLICY STATUS

PROVINCE

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

Cresta ID

PROCESSING DATE :

01/02/2016

In IDR NATIONAL AGGREGAT EXPOSURE Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

IDN_AC

8,905,514,794,404.82

0.49

17,016,016,687.95

0.64

1,182.00

0.82

0.00

0.00

0.00

0.00

02. SUMATERA UTARA

IDN_SU

78,483,498,850,380.50

4.30

121,275,533,317.79

4.59

7,692.00

5.33

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

IDN_SB

24,874,421,082,055.20

1.36

47,482,428,700.87

1.80

14,488.00

10.04

0.00

0.00

0.00

0.00

04. RIAU

IDN_RI

37,004,018,229,151.90

2.03

48,507,775,311.74

1.84

2,688.00

1.86

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

6,686,715,402,019.63

0.37

7,502,995,161.28

0.28

1,234.00

0.86

0.00

0.00

0.00

0.00


IDN_SS

30,772,349,557,865.50

1.69

41,348,321,814.57

1.56

1,944.00

1.35

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

3,262,742,416,805.81

0.18

6,074,673,389.43

0.23

1,752.00

1.21

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

28,041,795,014,093.90

1.54

43,015,395,386.76

1.63

2,463.00

1.71

0.00

0.00

0.00

0.00


IDN_BB

2,232,890,274,810.80

0.12

1,963,981,146.85

0.07

338.00

0.23

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

28,829,382,365,500.90

1.58

29,634,688,085.02

1.12

996.00

0.69

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

401,355,505,210,105.00

21.99

620,422,945,822.54

23.48

33,355.00

23.12

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

376,970,066,320,336.00

20.65

569,005,760,887.53

21.53

22,335.00

15.48

1,100,000,000.00

25.66

1.00

4.76

13. JAWA TENGAH

IDN_JT

142,589,856,118,763.00

7.81

187,075,750,358.07

7.08

8,758.00

6.07

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

13,256,193,137,731.40

0.73

19,949,869,943.11

0.75

3,442.00

2.39

0.00

0.00

0.00

0.00

15. JAWA TIMUR

IDN_JI

205,664,444,067,295.00

11.27

249,724,350,330.23

9.45

10,332.00

7.16

0.00

0.00

0.00

0.00

16. BANTEN

IDN_BT

161,052,990,761,125.00

8.82

255,256,901,486.01

9.66

10,173.00

7.05

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

62,064,703,672,891.90

3.40

96,365,594,693.22

3.65

7,378.00

5.11

5,000,000.00

0.12

1.00

4.76


IDN_NB

6,037,186,988,720.98

0.33

11,094,570,509.22

0.42

1,004.00

0.70

0.00

0.00

0.00

0.00


IDN_NT

2,377,643,731,501.45

0.13

3,841,249,091.36

0.15

419.00

0.29

0.00

0.00

0.00

0.00


IDN_KB

3,018,581,562,548.95

0.17

2,652,214,336.44

0.10

643.00

0.45

0.00

0.00

0.00

0.00


IDN_KT

6,387,898,593,982.85

0.35

5,539,096,657.81

0.21

400.00

0.28

0.00

0.00

0.00

0.00


IDN_KS

16,685,324,501,539.90

0.91

15,610,590,086.62

0.59

824.00

0.57

0.00

0.00

0.00

0.00


IDN_KI

34,668,353,287,897.00

1.90

33,649,815,948.21

1.27

1,822.00

1.26

10,000,000.00

0.23

1.00

4.76

24. SULAWESI UTARA

IDN_SA

12,021,129,799,006.40

0.66

23,424,312,992.37

0.89

1,535.00

1.06

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

IDN_ST

7,174,956,158,599.68

0.39

13,377,443,715.89

0.51

769.00

0.53

0.00

0.00

0.00

0.00


IDN_SN

94,126,203,200,600.60

5.16

131,656,425,999.57

4.98

2,244.00

1.56

0.00

0.00

0.00

0.00


IDN_SG

15,862,458,752,180.40

0.87

15,728,657,411.33

0.60

364.00

0.25

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

1,005,991,056,259.39

0.06

1,916,140,135.93

0.07

346.00

0.24

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

3,091,288,384,234.59

0.17

4,277,146,357.86

0.16

82.00

0.06

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

2,388,888,853,481.87

0.13

4,656,397,197.41

0.18

561.00

0.39

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

1,087,390,465,698.46

0.06

2,030,777,502.11

0.08

268.00

0.19

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

2,634,733,781,755.25

0.14

4,137,235,753.06

0.16

923.00

0.64

3,021,604,750.00

70.49

15.00

71.43

33. PAPUA

IDN_PA

4,104,700,772,453.39

0.22

6,772,732,905.28

0.26

1,459.00

1.01

150,000,003.00

3.50

3.00

14.29


IDN_KU

644,751,667,527.45

0.04

562,216,013.58

0.02

47.00

0.03

0.00

0.00

0.00

0.00

1,825,364,568,833,330.00

100.00

2,642,550,005,137.02

100.00

144,260.00

100.00

4,286,604,753.00

100.00

21.00

100.00

T OT AL

108



DESEMBER 2015




PROVINCE

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

Cresta ID

PROCESSING DATE :

01/02/2016



%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

IDN_AC

10,684,341,331,546.00

0.34

20,935,060,517.78

0.42

1,982.00

0.88

0.00

0.00

0.00

02. SUMATERA UTARA

IDN_SU

106,267,374,482,531.00

3.39

159,856,771,307.65

3.18

11,681.00

5.20

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

IDN_SB

41,916,011,152,098.40

1.34

80,721,677,801.59

1.61

17,571.00

7.82

17,491,400.00

1.87

2.00

14.29

04. RIAU

IDN_RI

59,966,524,756,498.00

1.91

69,841,953,895.14

1.39

4,348.00

1.94

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

12,121,835,907,101.70

0.39

14,012,153,478.39

0.28

2,364.00

1.05

0.00

0.00

0.00

0.00


IDN_SS

49,688,971,444,573.40

1.58

62,628,115,452.01

1.25

4,078.00

1.82

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

5,711,519,636,239.46

0.18

11,671,067,500.98

0.23

2,237.00

1.00

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

39,579,836,435,191.50

1.26

61,831,112,764.61

1.23

4,325.00

1.93

0.00

0.00

0.00

0.00


IDN_BB

6,140,119,356,209.51

0.20

6,014,740,169.46

0.12

818.00

0.36

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

37,490,956,838,758.30

1.19

40,319,502,104.92

0.80

1,646.00

0.73

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

656,480,174,576,657.00

20.91

1,093,431,240,656.01

21.77

50,628.00

22.54

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

784,811,583,167,840.00

25.00

1,392,297,105,614.71

27.73

36,129.00

16.08

0.00

0.00

0.00

0.00

13. JAWA TENGAH

IDN_JT

151,658,220,515,281.00

4.83

213,458,551,026.71

4.25

14,744.00

6.56

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

19,408,372,926,987.00

0.62

30,391,393,936.62

0.61

4,492.00

2.00

0.00

0.00

0.00

0.00

15. JAWA TIMUR

IDN_JI

442,961,036,338,508.00

14.11

641,237,220,888.63

12.77

18,690.00

8.32

111,029,676.05

11.87

3.00

21.43

16. BANTEN

IDN_BT

345,347,212,738,017.00

11.00

611,857,847,998.94

12.18

15,947.00

7.10

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

73,416,767,191,302.00

2.34

119,258,097,198.05

2.37

9,825.00

4.37

15,745,036.00

1.68

1.00

7.14


IDN_NB

11,171,931,612,954.10

0.36

21,092,698,850.38

0.42

1,835.00

0.82

0.00

0.00

0.00

0.00


IDN_NT

2,577,499,186,907.01

0.08

4,322,361,499.67

0.09

614.00

0.27

0.00

0.00

0.00

0.00


IDN_KB

13,246,042,292,778.20

0.42

13,104,646,280.89

0.26

1,659.00

0.74

0.00

0.00

0.00

0.00


IDN_KT

23,807,557,979,534.80

0.76

24,693,404,208.47

0.49

852.00

0.38

0.00

0.00

0.00

0.00


IDN_KS

32,817,881,685,114.40

1.05

32,609,239,722.68

0.65

1,724.00

0.77

0.00

0.00

0.00

0.00


IDN_KI

63,855,464,260,856.80

2.03

67,348,714,705.53

1.34

3,222.00

1.43

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

IDN_SA

15,918,780,751,070.50

0.51

32,802,739,566.30

0.65

2,285.00

1.02

78,511,425.00

8.40

3.00

21.43

25. SULAWESI TENGAH

IDN_ST

3,853,936,451,909.42

0.12

6,453,726,576.53

0.13

990.00

0.44

0.00

0.00

0.00

0.00


IDN_SN

92,308,103,223,049.40

2.94

130,073,023,237.58

2.59

3,921.00

1.75

0.00

0.00

0.00

0.00


IDN_SG

18,106,049,595,429.50

0.58

27,826,581,126.57

0.55

643.00

0.29

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

2,734,228,969,925.40

0.09

5,355,165,518.36

0.11

591.00

0.26

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

3,027,562,969,047.09

0.10

4,550,712,553.39

0.09

202.00

0.09

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

2,499,735,342,360.51

0.08

4,857,064,768.69

0.10

775.00

0.35

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

1,026,211,576,283.50

0.03

2,006,140,168.66

0.04

406.00

0.18

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

2,898,313,012,537.56

0.09

4,759,418,263.98

0.09

1,369.00

0.61

700,000,000.00

74.87

4.00

28.57

33. PAPUA

IDN_PA

5,617,462,912,063.56

0.18

10,037,238,651.42

0.20

2,028.00

0.90

12,238,038.00

1.31

1.00

7.14


IDN_KU

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3,139,117,620,617,160.00

100.00

5,021,656,488,011.30

100.00

224,621.00

100.00

935,015,575.05

100.00

14.00

100.00

T OT AL

109

0.00



DESEMBER 2015




PROVINCE

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

Cresta ID

PROCESSING DATE :

01/02/2016



%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

IDN_AC

9,104,272,583,077.73

0.33

16,231,025,129.86

0.36

1,630.00

0.86

24,004,968.00

0.01

2.00

3.39

02. SUMATERA UTARA

IDN_SU

93,269,564,760,627.30

3.38

133,828,636,515.65

2.95

9,641.00

5.10

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

IDN_SB

37,276,017,607,460.00

1.35

71,141,978,233.12

1.57

15,457.00

8.17

10,708,596.00

0.00

2.00

3.39

04. RIAU

IDN_RI

48,622,759,873,559.80

1.76

56,979,055,841.98

1.26

3,564.00

1.88

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

11,015,468,275,121.30

0.40

12,481,421,219.16

0.28

1,939.00

1.02

0.00

0.00

0.00

0.00


IDN_SS

40,737,476,120,486.60

1.48

47,953,304,315.00

1.06

2,910.00

1.54

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

4,886,314,512,451.64

0.18

9,875,991,692.67

0.22

1,829.00

0.97

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

26,866,384,742,224.30

0.97

41,038,967,480.96

0.91

3,077.00

1.63

0.00

0.00

0.00

0.00


IDN_BB

4,542,296,379,914.47

0.16

4,414,703,469.30

0.10

491.00

0.26

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

27,288,813,116,828.10

0.99

27,962,732,379.10

0.62

1,299.00

0.69

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

434,983,119,085,188.00

15.77

701,096,622,582.21

15.48

47,673.00

25.20

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

716,853,788,463,717.00

25.99

1,231,532,142,152.88

27.18

28,608.00

15.12

22,511,000.00

0.01

1.00

1.69

13. JAWA TENGAH

IDN_JT

142,741,347,599,224.00

5.17

193,647,699,073.31

4.27

10,226.00

5.41

36,698,640.00

0.01

1.00

1.69

14. DIY

IDN_YO

11,509,886,524,914.70

0.42

17,853,727,885.88

0.39

3,432.00

1.81

905,206,421.00

0.31

4.00

6.78

15. JAWA TIMUR

IDN_JI

367,477,902,794,074.00

13.32

562,706,705,718.83

12.42

14,711.00

7.78

286,866,607,262.20

99.65

48.00

81.36

16. BANTEN

IDN_BT

282,770,506,128,910.00

10.25

481,226,869,509.74

10.62

12,425.00

6.57

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

301,760,633,873,829.00

10.94

681,050,872,022.28

15.03

8,075.00

4.27

0.00

0.00

0.00

0.00


IDN_NB

4,537,320,637,473.73

0.16

8,853,742,003.67

0.20

1,363.00

0.72

15,869,185.20

0.01

1.00

1.69


IDN_NT

1,782,340,075,512.98

0.06

2,880,547,559.24

0.06

763.00

0.40

0.00

0.00

0.00

0.00


IDN_KB

8,027,257,135,438.02

0.29

7,809,850,318.88

0.17

1,072.00

0.57

0.00

0.00

0.00

0.00


IDN_KT

17,179,626,505,757.70

0.62

17,820,732,332.84

0.39

691.00

0.37

0.00

0.00

0.00

0.00


IDN_KS

37,160,737,599,470.90

1.35

37,546,142,813.02

0.83

1,253.00

0.66

0.00

0.00

0.00

0.00


IDN_KI

65,941,656,706,604.60

2.39

70,565,797,096.52

1.56

4,051.00

2.14

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

IDN_SA

16,538,329,588,746.10

0.60

34,255,767,713.33

0.76

1,859.00

0.98

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

IDN_ST

4,208,592,384,307.53

0.15

6,921,116,418.09

0.15

1,313.00

0.69

0.00

0.00

0.00

0.00


IDN_SN

27,614,973,309,509.10

1.00

28,523,570,653.53

0.63

3,408.00

1.80

0.00

0.00

0.00

0.00


IDN_SG

1,532,875,623,593.63

0.06

2,298,579,093.95

0.05

610.00

0.32

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

2,135,292,082,312.58

0.08

4,107,043,397.25

0.09

829.00

0.44

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

1,286,900,043,154.22

0.05

1,927,480,130.89

0.04

311.00

0.16

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

1,871,357,567,995.64

0.07

3,558,415,760.22

0.08

617.00

0.33

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

565,878,427,258.84

0.02

1,117,957,804.78

0.02

377.00

0.20

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

2,612,323,243,092.17

0.09

4,219,806,774.84

0.09

1,344.00

0.71

0.00

0.00

0.00

0.00

33. PAPUA

IDN_PA

3,907,319,789,896.27

0.14

6,873,143,263.94

0.15

2,324.00

1.23

0.00

0.00

0.00

0.00


IDN_KU

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2,758,609,333,161,730.00

100.00

4,530,302,148,356.92

100.00

189,172.00

100.00

287,881,606,072.40

100.00

59.00

100.00

T OT AL

110



DESEMBER 2015




PROVINCE

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

Cresta ID

PROCESSING DATE :

01/02/2016



%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

IDN_AC

8,328,045,104,607.12

0.40

12,523,921,214.65

0.46

1,932.00

1.11

1,384,397,296.00

72.63

8.00

50.00

02. SUMATERA UTARA

IDN_SU

88,467,285,205,864.50

4.21

97,056,822,578.02

3.57

9,323.00

5.38

82,118,384.00

4.31

4.00

25.00

03. SUMATERA BARAT

IDN_SB

23,704,691,539,292.50

1.13

48,518,954,062.83

1.78

15,238.00

8.79

0.00

0.00

0.00

0.00

04. RIAU

IDN_RI

35,064,056,469,754.20

1.67

35,296,937,565.14

1.30

3,527.00

2.04

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

8,231,659,638,051.55

0.39

10,843,210,998.52

0.40

1,659.00

0.96

0.00

0.00

0.00

0.00


IDN_SS

30,750,924,977,797.60

1.46

42,649,966,420.04

1.57

2,333.00

1.35

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

4,060,325,847,435.66

0.19

8,286,023,146.95

0.30

2,101.00

1.21

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

27,534,812,464,501.00

1.31

40,021,662,431.05

1.47

3,023.00

1.74

0.00

0.00

0.00

0.00


IDN_BB

3,156,384,885,166.98

0.15

3,403,314,549.65

0.13

523.00

0.30

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

24,051,937,806,463.70

1.14

20,673,160,969.51

0.76

1,165.00

0.67

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

464,788,039,293,112.00

22.11

599,721,638,263.18

22.05

36,250.00

20.92

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

400,857,876,017,649.00

19.06

665,730,866,315.09

24.48

27,276.00

15.74

0.00

0.00

0.00

0.00

13. JAWA TENGAH

IDN_JT

121,725,177,084,954.00

5.79

134,145,041,227.80

4.93

10,200.00

5.89

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

11,854,836,649,440.00

0.56

17,435,268,126.32

0.64

3,259.00

1.88

0.00

0.00

0.00

0.00

15. JAWA TIMUR

IDN_JI

387,941,546,339,995.00

18.45

379,695,153,617.19

13.96

14,040.00

8.10

0.00

0.00

0.00

0.00

16. BANTEN

IDN_BT

213,570,391,693,733.00

10.16

318,539,872,623.08

11.71

11,419.00

6.59

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

43,280,980,532,299.20

2.06

73,043,338,870.19

2.69

7,589.00

4.38

62,328,096.54

3.27

1.00

6.25


IDN_NB

3,077,047,054,149.34

0.15

7,135,196,375.48

0.26

1,478.00

0.85

0.00

0.00

0.00

0.00


IDN_NT

1,617,483,032,767.29

0.08

3,302,437,014.52

0.12

971.00

0.56

0.00

0.00

0.00

0.00


IDN_KB

7,209,974,391,744.74

0.34

5,638,300,533.46

0.21

1,823.00

1.05

0.00

0.00

0.00

0.00


IDN_KT

12,214,732,033,229.00

0.58

10,685,121,241.15

0.39

699.00

0.40

0.00

0.00

0.00

0.00


IDN_KS

28,151,320,447,496.90

1.34

13,361,223,492.20

0.49

1,279.00

0.74

0.00

0.00

0.00

0.00


IDN_KI

75,544,577,879,790.50

3.59

64,217,779,892.00

2.36

3,841.00

2.22

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

IDN_SA

20,475,241,127,098.30

0.97

21,121,736,576.79

0.78

1,864.00

1.08

299,217,338.51

15.70

1.00

6.25

25. SULAWESI TENGAH

IDN_ST

2,234,831,075,451.70

0.11

3,376,340,442.68

0.12

1,231.00

0.71

0.00

0.00

0.00

0.00


IDN_SN

24,508,942,520,664.60

1.17

27,818,954,830.73

1.02

3,191.00

1.84

77,942,400.00

4.09

2.00

12.50


IDN_SG

9,114,245,475,615.48

0.43

10,830,303,412.93

0.40

577.00

0.33

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

12,799,702,686,629.60

0.61

27,916,176,981.64

1.03

1,011.00

0.58

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

953,016,177,663.56

0.05

1,676,539,338.07

0.06

254.00

0.15

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

1,012,162,473,294.66

0.05

2,444,193,617.83

0.09

512.00

0.30

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

599,594,466,006.82

0.03

1,418,120,678.93

0.05

425.00

0.25

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

2,191,055,888,141.29

0.10

5,138,537,640.92

0.19

1,261.00

0.73

0.00

0.00

0.00

0.00

33. PAPUA

IDN_PA

3,526,473,596,439.34

0.17

5,943,733,342.80

0.22

2,000.00

1.15

0.00

0.00

0.00

0.00


IDN_KU

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2,102,599,371,876,300.00

100.00

2,719,609,848,391.34

100.00

173,274.00

100.00

1,906,003,515.05

100.00

16.00

100.00

T OT AL

111



DESEMBER 2015




PROVINCE

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

Cresta ID

PROCESSING DATE :

01/02/2016



%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

IDN_AC

61,716,398,867,310.90

2.86

87,633,935,480.81

3.02

2,197.00

1.32

4,545,911,521.33

45.62

11.00

12.36

02. SUMATERA UTARA

IDN_SU

88,467,285,205,864.50

4.10

87,633,935,480.81

3.02

8,589.00

5.18

393,949,527.10

3.95

10.00

11.24

03. SUMATERA BARAT

IDN_SB

23,704,691,539,292.50

1.10

107,161,315,278.64

3.69

14,192.00

8.55

95,675,000.00

0.96

4.00

4.49

04. RIAU

IDN_RI

35,064,056,469,754.20

1.63

41,473,602,473.02

1.43

3,204.00

1.93

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

8,231,659,638,051.55

0.38

35,256,215,244.00

1.21

1,334.00

0.80

0.00

0.00

0.00

0.00


IDN_SS

30,750,924,977,797.60

1.43

8,038,465,820.08

0.28

2,059.00

1.24

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

4,060,325,847,435.66

0.19

31,570,394,331.29

1.09

2,564.00

1.55

30,898,800.00

0.31

5.00

5.62

08. LAMPUNG

IDN_LA

27,534,812,464,501.00

1.28

7,255,605,295.58

0.25

2,956.00

1.78

0.00

0.00

0.00

0.00


IDN_BB

3,156,384,885,166.98

0.15

37,249,898,677.14

1.28

329.00

0.20

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

24,051,937,806,463.70

1.12

2,757,422,298.01

0.09

1,239.00

0.75

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

464,788,039,293,112.00

21.56

20,463,617,737.01

0.70

38,645.00

23.29

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

400,857,876,017,649.00

18.59

670,417,956,234.69

23.09

24,616.00

14.83

74,453,075.00

0.75

2.00

2.25

13. JAWA TENGAH

IDN_JT

121,725,177,084,954.00

5.65

549,545,427,071.44

18.93

9,484.00

5.72

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

11,854,836,649,440.00

0.55

151,888,826,113.28

5.23

3,051.00

1.84

0.00

0.00

0.00

0.00

15. JAWA TIMUR

IDN_JI

387,941,546,339,995.00

17.99

17,756,951,036.21

0.61

13,350.00

8.05

0.00

0.00

0.00

0.00

16. BANTEN

IDN_BT

213,570,391,693,733.00

9.91

471,272,781,953.06

16.23

10,616.00

6.40

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

43,280,980,532,299.20

2.01

297,642,452,109.76

10.25

7,026.00

4.23

4,817,794,672.90

48.35

56.00

62.92


IDN_NB

3,077,047,054,149.34

0.14

60,354,817,500.68

2.08

1,365.00

0.82

0.00

0.00

0.00

0.00


IDN_NT

1,617,483,032,767.29

0.08

5,152,954,498.64

0.18

762.00

0.46

0.00

0.00

0.00

0.00


IDN_KB

7,209,974,391,744.74

0.33

2,433,951,389.85

0.08

911.00

0.55

0.00

0.00

0.00

0.00


IDN_KT

12,214,732,033,229.00

0.57

6,292,796,630.20

0.22

637.00

0.38

0.00

0.00

0.00

0.00


IDN_KS

28,151,320,447,496.90

1.31

10,262,245,474.31

0.35

1,020.00

0.61

0.00

0.00

0.00

0.00


IDN_KI

75,544,577,879,790.50

3.50

23,762,331,278.15

0.82

3,159.00

1.90

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

IDN_SA

20,475,241,127,098.30

0.95

63,327,410,591.57

2.18

2,449.00

1.48

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

IDN_ST

2,234,831,075,451.70

0.10

37,726,468,368.21

1.30

1,539.00

0.93

0.00

0.00

0.00

0.00


IDN_SN

24,508,942,520,664.60

1.14

3,453,309,420.21

0.12

2,955.00

1.78

6,662,800.00

0.07

1.00

1.12


IDN_SG

9,114,245,475,615.48

0.42

24,634,050,796.95

0.85

541.00

0.33

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

12,799,702,686,629.60

0.59

10,519,505,924.99

0.36

1,157.00

0.70

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

953,016,177,663.56

0.04

25,429,339,114.68

0.88

239.00

0.14

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

1,012,162,473,294.66

0.05

1,406,530,176.92

0.05

403.00

0.24

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

599,594,466,006.82

0.03

1,761,141,005.57

0.06

430.00

0.26

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

2,191,055,888,141.29

0.10

1,055,956,776.04

0.04

1,213.00

0.73

0.00

0.00

0.00

0.00

33. PAPUA

IDN_PA

3,526,473,596,439.34

0.16

1,055,956,776.04

0.04

1,709.00

1.03

0.00

0.00

0.00

0.00


IDN_KU

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2,155,987,725,639,000.00

100.00

2,903,647,568,357.84

100.00

165,940.00

100.00

9,965,345,396.33

100.00

89.00

100.00

T OT AL

112



DESEMBER 2015

Lampiran 1 / Attachment 1

Daftar Istilah 1.

OCCUPATION A - AGRICULTURAL C - COMMERCIAL I - INDUSTRIAL R - RESIDENTIAL

2.

ZONES (BASED ON CRESTA-Catastrophe Risk Evaluating and Standardizing Target Accumulations) : 1.1 - Banda Aceh 1.2 - Medan 1.3 - Others 1 - North Sumatera

3.

2.1 2.2 2.3 2

-

Padang Palembang Others South Sumatera

3.1 3.2 3.3 3

-

DKI Jakarta Bandung Others DKI & West java

4.1 4.2 4.3 4 5.1 5.2 5

-

Semarang Yogyakarta Others DIY & Central Java Surabaya Others East Java

6

-

Kalimantan

7.1 7.2 7

-

Ujung Pandang Others Sulawesi

8

-

Other Islands

f

:

Frequencies

:

113



F : Cum :

DESEMBER 2015

Accumulations of frequencies Cumulative (increasing in amount by one addition after another)

4.

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

114



DESEMBER 2015


TARIF PREMI ASURANSI GEMPA BUMI PADA LINI USAHA ASURANSI HARTA BENDA 1. Tarif Premi untuk Kerusakan Fisik dan Gangguan Usaha dengan Harga Pertanggungan Nilai Penuh (Full Value Basis) dengan Indemnity Period 12 bulan berdasarkan Surat Edaran OJK Nomor: SE06/D.05/2013, tanggal 31 Desember 2013. Commercial and Industrial (Non Dwelling House) Tarif Premi per mil (%o)

Kelas Konstruksi

Steel, Wood and RC Frame

Zona I

Zona II

Zona III

Zona IV

Zona V

< 9 Storeys

0,90

0,95

1,25

1,50

1,90

> 9 Storeys

1,35

1,45

1,55

1,60

2,00

1,00

1,10

1,55

3,00

4,70

Others Dwelling House – occupation code 2976

Tarif Premi per mil (%o)

Kelas Konstruksi

Zona I

Zona II

Zona III

Zona IV

Zona V

Steel, Wood and RC Frame

0,85

0,95

1,15

1,35

1,60

Others

0,90

1,00

1,55

2,75

4,50

Zona mengacu pada Lampiran 6 kolom Zona* Aturan Tambahan a. 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 di bawah tanah. b. 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. DEFINISI COMMERCIAL AND INDUSTRIAL

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



Steel Frame

: struktur bangunan yang menggunakan Baja sebagai rangkanya

115





Wood

DESEMBER 2015

: struktur bangunan yang menggunakan kayu sebagai rangkanya



Reinforced Concrete

: struktur bangunan yang menggunakan beton bertulang sebagai rangkanya



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.

2. Tarif Premi atau Kontribusi untuk Kerusakan Fisik dan Gangguan Usaha dengan harga pertanggungan Nilai Penuh (full value basis) dengan indemnity period 12 bulan berdasarkan Surat Edaran OJK Nomor: NOMOR 21/SEOJK.05/2015, 30 Juni 2015 Commercial and Industrial (Non Dwelling House)

Tarif Premi atau Kontribusi per mil (%o) Kelas Konstruksi

Zona I

Zona II

Zona III

Zona IV

Zona V

Com: Steel, Wood, RC < 9

0,75

0,76

1,00

1,43

1,90


1,12

1,15

1,22

1,53

2,00

Com: Others

0,80

1,04

1,55

2,46

4,70

Dwelling House – occupation code 2976

Tarif Premi atau Kontribusi per mil (%o) Kelas Konstruksi

Zona I

Zona II

Zona III

Zona IV

Zona V

DW: Steel, Wood, RC

0,76

0,79

1,04

1,35

1,60

DW: Others

0,80

1,00

1,55

2,24

4,50

Zona mengacu pada Lampiran 6 kolom Zona** 116



DESEMBER 2015

DEFINISI Konstruksi Commercial

Objek pertanggungan dengan kode okupasi selain rumah tinggal (Kode Okupasi selain 2976)

Com: Steel, Wood, RC < 9

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

Com: Others

Konstruksi bangunan tanpa menggunakan rangka Baja, Kayu, dan Beton Bertulang

Dwelling House

Objek pertanggungan rumah tinggal dengan kode okupasi 2976 (Semua kelas konstruksi)

DW: Steel, Wood, RC

Konstruksi rumah tinggal yang menggunakan rangka Baja, Kayu, Beton Bertulang

DW: Others

Konstruksi rumah tinggal tanpa menggunakan rangka Baja, Kayu, dan Beton Bertulang

DEDUCTIBLE 0 – USD 100 Juta > USD 100 Juta s/d USD 300 Juta > USD 300 Juta

= 2.5% of TSI = 2.5% of TSI maksimum USD 3 Juta = Minimum USD 2 Juta

BUSSINES INTERRUPTION Commercial 0 – USD 100 Juta > USD 100 Juta s/d USD 300 Juta > USD 300 Juta

Minimum 14 Hari Minimum 21 Hari Minimum 30 Hari

Industrial Minimum 21 Hari Minimum 30 Hari Minimum 45 Hari

DEFINISI COMMERCIAL DAN INDUSTRIAL Industrial → Mengacu pada kode okupasi 200-287 dan 2911-2915 sebagaimana dimaksud pada Lampiran I Tabel I.A Commercial →Mengacu pada kode okupasi 2901-2909 dan 2921-2969 sebagaimana dimaksud pada Lampiran I Tabel I.A

117



DESEMBER 2015

Agricultural → Mengacu pada kode okupasi 40 dan 300-318 sebagaimana dimaksud pada Lampiran I Tabel I.A Residental → Mengacu pada kode okupasi 2971-2992 sebagaimana dimaksud pada Lampiran I Tabel I.A (Red: Lampiran I Tabel I.A terdapat dalam Surat Edaran OJK Nomor: NOMOR 21/SEOJK.05/2015, 30 Juni 2015) Aturan Tambahan a. 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 di bawah tanah. b. 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 hingga 4 meter.

118



DESEMBER 2015


ZONA ASURANSI GEMPA BUMI INDONESIA PROVINSI BALI

BANTEN

BENGKULU

D.I. YOGYAKARTA

DKI JAKARTA

GORONTALO

JAMBI

ZONA*

ZONA**

KAB. BADUNG

KOTA / KABUPATEN

4

4

KAB. BANGLI

3

4

KAB. BULELENG

3

4

KAB. GIANYAR

4

4

KAB. JEMBRANA

3

4

KAB. KLUNGKUNG

3

4

KAB. TABANAN

3

4

KOTA DENPASAR

4

4

KAB. KARANG ASEM

3

5

KAB. LEBAK

4

4

KAB. SERANG

4

4

KAB. TANGERANG

4

4

KOTA CILEGON

4

4

KOTA SERANG

4

4

KOTA TANGERANG

4

4

KAB. PANDEGLANG

4

5

KOTA TANGERANG SELATAN

4

4

KAB. BENGKULU SELATAN

4

5

KAB. BENGKULU UTARA

5

5

KAB. KAUR

5

5

KAB. KEPAHIANG

5

5

KAB. LEBONG

5

5

KAB. MUKOMUKO

5

5

KAB. REJANG LEBONG

5

5

KAB. SELUMA

4

5

KOTA BENGKULU

5

5

KAB. BENGKULU TENGAH

5

5

KAB. BANTUL

5

4

KAB. GUNUNG KIDUL

4

4

KAB. KULON PROGO

4

4

KAB. SLEMAN

4

4

KOTA YOGYAKARTA

4

4

KAB. KEPULAUAN SERIBU

4

3

KOTA JAKARTA BARAT

4

4

KOTA JAKARTA PUSAT

4

4

KOTA JAKARTA SELATAN

4

4

KOTA JAKARTA TIMUR

4

4

KOTA JAKARTA UTARA

4

4

KAB. BOALEMO

5

5

KAB. BONE BOLANGO

5

5

KAB. GORONTALO

5

5

KAB. GORONTALO UTARA

5

5

KAB. POHUWATO

5

5

KOTA GORONTALO

5

5

KAB. BATANG HARI

3

2

KAB. MUARO JAMBI

3

2

KAB. TANJUNG JABUNG BARAT

3

2

119



DESEMBER 2015

PROVINSI JAMBI

JAWA BARAT

JAWA TENGAH

ZONA*

ZONA**

KAB. TANJUNG JABUNG TIMUR

KOTA / KABUPATEN

3

2

KOTA JAMBI

3

2

KAB. BUNGO

4

3

KAB. SAROLANGUN

4

3

KAB. TEBO

3

3

KAB. MERANGIN

5

4

KAB. KERINCI

5

5

KOTA SUNGAI PENUH

5

5

KAB. CIREBON

3

3

KAB. INDRAMAYU

4

3

KAB. SUMEDANG

5

3

KOTA CIREBON

3

3

KAB. BANDUNG

4

4

KAB. BANDUNG BARAT

4

4

KAB. BEKASI

3

4

KAB. BOGOR

4

4

KAB. CIAMIS

4

4

KAB. CIANJUR

4

4

KAB. GARUT

4

4

KAB. KARAWANG

3

4

KAB. KUNINGAN

3

4

KAB. MAJALENGKA

3

4

KAB. PURWAKARTA

4

4

KAB. PANGANDARAN

4

4

KAB. SUBANG

5

4

KAB. SUKABUMI

4

4

KAB. TASIKMALAYA

4

4

KOTA BANDUNG

5

4

KOTA BANJAR

3

4

KOTA BEKASI

4

4

KOTA BOGOR

4

4

KOTA CIMAHI

5

4

KOTA DEPOK

4

4

KOTA SUKABUMI

5

4

KOTA TASIKMALAYA

3

4

KAB. BANYUMAS

3

3

KAB. BATANG

3

3

KAB. BLORA

3

3

KAB. BOYOLALI

3

3

KAB. BREBES

3

3

KAB. DEMAK

4

3

KAB. GROBOGAN

4

3

KAB. JEPARA

4

3

KAB. KARANGANYAR

4

3

KAB. KENDAL

3

3

KAB. KUDUS

4

3

KAB. PATI

4

3

KAB. PEKALONGAN

3

3

KAB. PEMALANG

3

3

KAB. PURBALINGGA

3

3

120



DESEMBER 2015

PROVINSI JAWA TENGAH

JAWA TIMUR

ZONA*

ZONA**

KAB. REMBANG

KOTA / KABUPATEN

5

3

KAB. SEMARANG

3

3

KAB. SRAGEN

3

3

KAB. TEMANGGUNG

3

3

KOTA MAGELANG

3

3

KOTA PEKALONGAN

3

3

KOTA SALATIGA

3

3

KOTA SEMARANG

3

3

KOTA SURAKARTA

4

3

KOTA TEGAL

3

3

KAB. BANJARNEGARA

3

4

KAB. CILACAP

3

4

KAB. KEBUMEN

4

4

KAB. KLATEN

5

4

KAB. MAGELANG

4

4

KAB. PURWOREJO

4

4

KAB. SUKOHARJO

4

4

KAB. TEGAL

4

4

KAB. WONOGIRI

4

4

KAB. WONOSOBO

3

4

KAB. BANGKALAN

3

3

KAB. BOJONEGORO

3

3

KAB. BONDOWOSO

3

3

KAB. GRESIK

3

3

KAB. JEMBER

4

3

KAB. JOMBANG

3

3

KAB. LAMONGAN

3

3

KAB. MADIUN

3

3

KAB. MAGETAN

3

3

KAB. MOJOKERTO

3

3

KAB. NGANJUK

3

3

KAB. NGAWI

3

3

KAB. PAMEKASAN

3

3

KAB. PASURUAN

3

3

KAB. PROBOLINGGO

3

3

KAB. SAMPANG

3

3

KAB. SIDOARJO

3

3

KAB. SITUBONDO

3

3

KAB. SUMENEP

3

3

KAB. TUBAN

3

3

KOTA MADIUN

3

3

KOTA MOJOKERTO

3

3

KOTA PASURUAN

3

3

KOTA PROBOLINGGO

4

3

KOTA SURABAYA

3

3

KAB. BANYUWANGI

3

4

KAB. BLITAR

3

4

KAB. KEDIRI

3

4

KAB. LUMAJANG

3

4

KAB. MALANG

3

4

121



DESEMBER 2015

PROVINSI JAWA TIMUR

KALIMANTAN BARAT

KALIMANTAN SELATAN

KALIMANTAN TENGAH

KALIMANTAN TIMUR

ZONA*

ZONA**

KAB. PACITAN

KOTA / KABUPATEN

4

4

KAB. PONOROGO

3

4

KAB. TRENGGALEK

4

4

KAB. TULUNGAGUNG

3

4

KOTA BATU

3

4

KOTA BLITAR

3

4

KOTA KEDIRI

3

4

KOTA MALANG

3

4

KAB. BENGKAYANG

1

1

KAB. KAPUAS HULU

1

1

KAB. KAYONG UTARA

1

1

KAB. KETAPANG

1

1

KAB. KUBU RAYA

1

1

KAB. LANDAK

1

1

KAB. MELAWI

1

1

KAB. MEMPAWAH

1

1

KAB. SAMBAS

1

1

KAB. SANGGAU

1

1

KAB. SEKADAU

1

1

KAB. SINTANG

1

1

KOTA PONTIANAK

1

1

KOTA SINGKAWANG

1

1

KAB. BALANGAN

1

1

KAB. BANJAR

1

1

KAB. BARITO KUALA

1

1

KAB. HULU SUNGAI SELATAN

1

1

KAB. HULU SUNGAI TENGAH

1

1

KAB. HULU SUNGAI UTARA

1

1

KAB. KOTABARU

1

1

KAB. TABALONG

1

1

KAB. TANAH BUMBU

1

1

KAB. TANAH LAUT

1

1

KAB. TAPIN

1

1

KOTA BANJARBARU

1

1

KOTA BANJARMASIN

1

1

KAB. BARITO SELATAN

1

1

KAB. BARITO TIMUR

1

1

KAB. BARITO UTARA

1

1

KAB. GUNUNG MAS

1

1

KAB. KAPUAS

1

1

KAB. KATINGAN

1

1

KAB. KOTAWARINGIN BARAT

1

1

KAB. KOTAWARINGIN TIMUR

1

1

KAB. LAMANDAU

1

1

KAB. MURUNG RAYA

1

1

KAB. PULANG PISAU

1

1

KAB. SERUYAN

1

1

KAB. SUKAMARA

1

1

KOTA PALANG KARAYA

1

1

KAB. KUTAI BARAT

1

1

122



DESEMBER 2015

PROVINSI KALIMANTAN TIMUR

KALIMANTAN UTARA

KEPULAUAN BANGKA BELITUNG

KEPULAUAN RIAU

LAMPUNG

MALUKU

ZONA*

ZONA**

KAB. KUTAI KARTANEGARA

KOTA / KABUPATEN

1

1

KAB. PASER

1

1

KAB. PENAJAM PASER UTARA

1

1

KOTA BALIKPAPAN

1

1

KOTA SAMARINDA

1

1

KAB. KUTAI TIMUR

1

2

KOTA BONTANG

2

2

KAB. BERAU

2

3

KAB. MAHAKAM ULU

1

1

KAB. MALINAU

2

2

KAB. NUNUKAN

1

2

KAB. TANA TIDUNG

1

2

KOTA TARAKAN

2

2

KAB. BULUNGAN

1

3

KAB. BANGKA

3

1

KAB. BANGKA BARAT

3

1

KAB. BANGKA TENGAH

2

1

KAB. BELITUNG

1

1

KAB. BELITUNG TIMUR

1

1

KOTA PANGKAL PINANG

2

1

KAB. BANGKA SELATAN

2

2

KAB. BINTAN

2

1

KAB. KARIMUN

2

1

KAB. LINGGA

3

1

KAB. NATUNA

1

1

KOTA BATAM

2

1

KOTA TANJUNG PINANG

2

1

KAB. KEPULAUAN ANAMABAS

1

1

KAB. LAMPUNG TENGAH

4

3

KAB. LAMPUNG TIMUR

4

3

KAB. LAMPUNG UTARA

4

3

KAB. TULANGBAWANG

4

3

KAB. WAY KANAN

4

3

KOTA METRO

4

3

KAB. LAMPUNG SELATAN

4

4

KAB. PESAWARAN

4

4

KOTA BANDAR LAMPUNG

4

4

KAB. LAMPUNG BARAT

5

5

KAB. TANGGAMUS

5

5

KAB. PESISIR BARAT

5

5

KAB. PRINGSEWU

4

5

KAB. MESUJI

3

3

KAB. TULANG BAWANG BARAT

4

3

KAB. MALUKU TENGAH

5

4

KAB. MALUKU TENGGARA

5

4

KAB. SERAM BAGIAN BARAT

5

4

KOTA TUAL

5

4

KAB. BURU

5

5

KAB. KEPULAUAN ARU

4

5

KAB. MALUKU TENGGARA BARAT

5

5

123



DESEMBER 2015

PROVINSI MALUKU

MALUKU UTARA

NANGGROE ACEH DARUSSALAM

NUSA TENGGARA BARAT

NUSA TENGGARA TIMUR

ZONA*

ZONA**

KAB. SERAM BAGIAN TIMUR

KOTA / KABUPATEN

5

5

KOTA AMBON

5

5

KAB. MALUKU BARAT DAYA

4

5

KAB. BURU SELATAN

4

5

KAB. HALMAHERA TENGAH

4

4

KAB. HALMAHERA TIMUR

4

4

KAB. HALMAHERA BARAT

5

5

KAB. HALMAHERA SELATAN

4

5

KAB. HALMAHERA UTARA

5

5

KAB. KEPULAUAN SULA

4

5

KOTA TERNATE

5

5

KOTA TIDORE KEPULAUAN

5

5

KAB. PULAU TALIABU

4

5

KAB. PULAU MOROTAI

5

5

KAB. ACEH UTARA

5

3

KOTA LHOKSEUMAWE

4

3

KAB. ACEH TAMIANG

4

4

KAB. ACEH TENGAH

5

4

KAB. ACEH TIMUR

5

4

KAB. BENER MERIAH

4

4

KAB. BIREUEN

5

4

KOTA LANGSA

4

4

KAB. ACEH BARAT

5

5

KAB. ACEH BARAT DAYA

5

5

KAB. ACEH BESAR

5

5

KAB. ACEH JAYA

5

5

KAB. ACEH SELATAN

5

5

KAB. ACEH SINGKIL

5

5

KAB. ACEH TENGGARA

5

5

KAB. GAYO LUES

5

5

KAB. NAGAN RAYA

5

5

KAB. PIDIE

5

5

KAB. PIDIE JAYA

5

5

KAB. SIMEULUE

5

5

KOTA BANDA ACEH

5

5

KOTA SABANG

5

5

KOTA SUBULUSSALAM

5

5

KAB. BIMA

3

4

KAB. LOMBOK TENGAH

4

4

KAB. LOMBOK TIMUR

3

4

KAB. SUMBAWA

3

4

KAB. SUMBAWA BARAT

3

4

KOTA BIMA

4

4

KAB. DOMPU

3

5

KAB. LOMBOK BARAT

4

5

KOTA MATARAM

5

5

KAB. LOMBOK UTARA

3

5

KAB. ENDE

3

4

KAB. FLORES TIMUR

3

4

KAB. KUPANG

4

4

124



DESEMBER 2015

PROVINSI NUSA TENGGARA TIMUR

PAPUA

PAPUA BARAT

ZONA*

ZONA**

KAB. MANGGARAI

KOTA / KABUPATEN

3

4

KAB. MANGGARAI BARAT

4

4

KAB. MANGGARAI TIMUR

3

4

KAB. NGADA

3

4

KAB. ROTE NDAO

4

4

KAB. SIKKA

3

4

KAB. SUMBA TIMUR

3

4

KOTA KUPANG

5

4

KAB. ALOR

3

5

KAB. BELU

4

5

KAB. LEMBATA

3

5

KAB. NAGEKEO

3

5

KAB. SUMBA BARAT

4

5

KAB. SUMBA BARAT DAYA

4

5

KAB. SUMBA TENGAH

3

5

KAB. TIMOR TENGAH SELATAN

3

5

KAB. TIMOR TENGAH UTARA

3

5

KAB. MALAKA

4

5

KAB. SABU RAIJUA

5

4

KAB. MERAUKE

1

1

KAB. ASMAT

3

2

KAB. BOVEN DIGOEL

2

2

KAB. MAPPI

2

2

KAB. MIMIKA

5

3

KAB. PUNCAK JAYA

3

3

KAB. BIAK NUMFOR

4

4

KAB. PANIAI

3

4

KAB. PEGUNUNGAN BINTANG

5

4

KAB. SUPIORI

5

4

KAB. WAROPEN

4

4

KAB. KEPULAUAN YAPEN

5

4

KAB. JAYAPURA

5

5

KAB. JAYAWIJAYA

3

5

KAB. KEEROM

4

5

KAB. NABIRE

5

5

KAB. SARMI

5

5

KAB. TOLIKARA

3

5

KAB. YAHUKIMO

3

5

KOTA JAYAPURA

3

5

KAB. MAMBERAMO RAYA

4

5

KAB. NDUGA

4

5

KAB. LANNY JAYA

3

5

KAB. MAMBERAMO TENGAH

3

5

KAB. YALIMO

3

5

KAB. PUNCAK

3

3

KAB. DOGIYAI

4

5

KAB. INTAN JAYA

3

4

KAB. DEIYAI

4

4

KAB. FAKFAK

4

3

KAB. KAIMANA

5

3

125



DESEMBER 2015

PROVINSI PAPUA BARAT

RIAU

SULAWESI SELATAN

SULAWESI BARAT

ZONA*

ZONA**

KAB. SORONG SELATAN

KOTA / KABUPATEN

3

3

KOTA SORONG

5

3

KAB. RAJA AMPAT

3

4

KAB. SORONG

4

4

KAB. TELUK BINTUNI

3

4

KAB. TELUK WONDOMA

3

4

KAB. MANOKWARI

4

5

KAB. MANOKWARI SELATAN

4

5

KAB. PEGUNUNGAN ARFAK

4

5

KAB. TAMBRAUW

5

5

KAB. MAYBRAT

4

3

KAB. BENGKALIS

3

2

KAB. INDRAGIRI HILIR

3

2

KAB. INDRAGIRI HULU

4

2

KAB. PELALAWAN

4

2

KAB. ROKAN HILIR

4

2

KAB. SIAK

3

2

KOTA DUMAI

3

2

KAB. KAMPAR

4

3

KAB. KUANTAN SINGINGI

4

3

KAB. ROKAN HULU

4

3

KOTA PEKANBARU

4

3

KAB. KEPULAUAN MERANTI

3

2

KAB. BARRU

2

3

KAB. ENREKANG

3

3

KAB. LUWU

2

3

KAB. LUWU TIMUR

4

3

KAB. LUWU UTARA

3

3

KAB. PINRANG

3

3

KAB. SIDENRENG RAPPANG

4

3

KAB. SOPPENG

3

3

KAB. WAJO

3

3

KOTA PALOPO

3

3

KOTA PARE-PARE

3

3

KAB. BANTAENG

2

2

KAB. BONE

2

2

KAB. BULUKUMBA

2

2

KAB. GOWA

2

2

KAB. JENEPONTO

2

2

KAB. MAROS

2

2

KAB. PANGKAJENE DAN KEPULAUAN

3

2

KAB. SELAYAR

4

2

KAB. SINJAI

2

2

KAB. TAKALAR

2

2

KOTA MAKASSAR

2

2

KAB. TANA TORAJA

3

4

KAB. MAMUJU UTARA

4

3

KAB. MAJENE

5

4

KAB. MAMASA

3

4

KAB. MAMUJU

4

4

126



DESEMBER 2015

ZONA*

ZONA**

SULAWESI BARAT

PROVINSI

KAB. MAMUJU TENGAH

4

4

SULAWESI T ENGAH

KAB. MOROWALI

4

3

KAB. BANGGAI KEPULAUAN

4

4

KAB. DONGGALA

4

4

KAB. POSO

5

4

KAB. TOJO UNA-UNA

4

4

KOTA PALU

5

4

KAB. BANGGAI

4

5

KAB. BUOL

5

5

KAB. PARIGI MOUTONG

4

5

KAB. TOLI-TOLI

5

5

KAB. BANGGAI LAUT

4

4

KAB. MOROWALI UTARA

4

3

KAB. SIGI

4

4

KAB. BOMBANA

2

3

KAB. BUTON

3

3

KAB. KOLAKA

2

3

KAB. KOLAKA UTARA

3

3

KAB. KONAWE

4

3

KAB. KONAWE SELATAN

3

3

KAB. KONAWE UTARA

5

3

KAB. MUNA

2

3

KAB. WAKATOBI

3

3

KOTA BAU-BAU

2

3

KAB. BUTON UTARA

3

4

KOTA KENDARI

5

4

KAB. KONAWE KEPULAUAN

4

3

KAB. KOLAKA TIMUR

2

3

KAB. BOLAANG MONGONDOW

4

5

KAB. BOLAANG MONGONDOW UTARA

4

5

KAB. KEPULAUAN SANGIHE

5

5

KAB. SIAU TAGULANDANG BITARO

5

5

KAB. KEPULAUAN TALAUD

5

5

KAB. MINAHASA

5

5

KAB. MINAHASA SELATAN

4

5

KAB. MINAHASA TENGGARA

5

5

KAB. MINAHASA UTARA

5

5

KOTA BITUNG

5

5

KOTA KOTAMOBAGU

4

5

KOTA MANADO

4

5

KOTA TOMOHON

5

5

KAB. BOLAANG MONGONDOW SELATAN

4

5

KAB. BOLAANG MONGONDOW TIMUR

4

5

KAB. DHARMASRAYA

4

3

KAB. PASAMAN

5

3

KAB. LIMA PULUH KOTA

5

4

KAB. PASAMAN BARAT

5

4

KAB. SIJUNJUNG

4

4

KAB. TANAH DATAR

5

4

KOTA PAYAKUMBUH

4

4

KOTA SAWAH LUNTO

5

4

KAB. AGAM

5

5

KAB. KEPULAUAN MENTAWAI

5

5

KAB. PADANG PARIAMAN

5

5

SULAWESI T ENGGARA

SULAWESI UT ARA

SUMAT ERA BARAT

KOTA / KABUPATEN

127



DESEMBER 2015

PROVINSI SUMAT ERA BARAT

SUMAT ERA SELAT AN

SUMAT ERA UT ARA

KOTA / KABUPATEN

ZONA*

ZONA**

KAB. PESISIR SELATAN

5

5

KAB. SOLOK

5

5

KAB. SOLOK SELATAN

5

5

KOTA BUKITTINGGI

5

5

KOTA PADANG

5

5

KOTA PADANG PANJANG

5

5

KOTA PARIAMAN

5

5

KOTA SOLOK

5

5

KAB. OGAN ILIR

4

2

KAB. OGAN KOMERING ILIR

3

2

KOTA PALEMBANG

3

2

KAB. BANYU ASIN

4

3

KAB. LAHAT

5

3

KAB. MUARA ENIM

4

3

KAB. MUSI BANYUASIN

4

3

KAB. OGAN KOMERING ULU

4

3

KAB. OGAN KOMERING ULU TIMUR

4

3

KOTA PRABUMULIH

4

3

KAB. EMPAT LAWANG

5

4

KAB. MUSI RAWAS

4

4

KAB. OGAN KOMERING ULU SELATAN

5

4

KOTA LUBUKLINGGAU

5

4

KOTA PAGAR ALAM

5

4

KAB. PENUKAL ABAB LEMATANG ILIR

4

3

KAB. MUSI RAWAS UTARA

4

4

KAB. ASAHAN

4

3

KAB. BATU BARA

4

3

KAB. DELI SERDANG

4

3

KAB. LABUHAN BATU

4

3

KAB. LANGKAT

5

3

KAB. SERDANG BEDAGAI

4

3

KOTA BINJAI

4

3

KOTA MEDAN

4

3

KOTA TANJUNG BALAI

4

3

KOTA TEBING TINGGI

4

3

KAB. DAIRI

5

4

KAB. KARO

5

4

KAB. MANDAILING NATAL

5

4

KAB. PADANG LAWAS

5

4

KAB. PAKPAK BHARAT

5

4

KAB. SAMOSIR

5

4

KAB. SIMALUNGUN

5

4

KAB. TAPANULI SELATAN

5

4

KAB. TOBA SAMOSIR

5

4

KOTA PADANGSIDIMPUAN

5

4

KOTA PEMATANG SIANTAR

4

4

KAB. HUMBANG HASUNDUTAN

5

5

KAB. NIAS

5

5

KAB. NIAS SELATAN

5

5

KAB. TAPANULI TENGAH

5

5

KAB. TAPANULI UTARA

5

5

KAB. PADANG LAWAS UTARA

5

4

KAB. LABUHAN BATU SELATAN

4

3

KAB. LABUHAN BATU UTARA

4

3

KAB. NIAS UTARA

5

5

KAB. NIAS BARAT

5

5

KOTA GUNUNGSITOLI

5

5

KOTA SIBOLGA

5

5

*Berdasarkan Surat Edaran OJK Nomor 21/SEOJK.05/2015 ** Berdasarkan Surat Edaran NOMOR SE-06/D.05/2013

128



DESEMBER 2015


CRESTA ZONE INDONESIA CRESTA ID*

IDN_AC IDN_BA IDN_BB IDN_BE IDN_BT IDN_GO IDN_JA IDN_JB IDN_JI IDN_JK IDN_JT IDN_KB IDN_KI IDN_KR IDN_KS IDN_KT IDN_LA IDN_MA IDN_MU IDN_NB IDN_NT IDN_PA IDN_PB IDN_RI IDN_SA IDN_SB IDN_SG IDN_SN IDN_SR IDN_SS IDN_ST IDN_SU IDN_YO

CRESTA Description

Nanggroe Aceh Darussalam Bali Kepulauan Bangka Belitung Bengkulu Banten Gorontalo Jambi Jawa Barat Jawa Timur DKI Jakarta Jawa Tengah Kalimantan Barat Kalimantan Timur Kepulauan Riau Kalimantan Selatan Kalimantan Tengah Lampung Maluku Maluku Utara Nusa Tenggara Barat Nusa Tenggara Timur Papua Papua Barat Riau Sulawesi Utara Sumatera Barat Sulawesi Tenggara Sulawesi Selatan Sulawesi Barat Sumatera Selatan Sulawesi Tengah Sumatera Utara DI Yogyakarta

* Cresta Zone terbaru dari www.cresta.org yang terkini tahun 2012 dengan (Low Resolution)

129



CRESTA ID**

IDN_1101 IDN_1102 IDN_1103 IDN_1104 IDN_1105 IDN_1106 IDN_1107 IDN_1108 IDN_1109 IDN_1110 IDN_1111 IDN_1112 IDN_1113 IDN_1114 IDN_1115 IDN_1116 IDN_1117 IDN_1118 IDN_1171 IDN_1172 IDN_1173 IDN_1174 IDN_1175 IDN_1201 IDN_1202 IDN_1203 IDN_1204 IDN_1205 IDN_1206 IDN_1207 IDN_1208 IDN_1209 IDN_1210 IDN_1211 IDN_1212 IDN_1213 IDN_1214 IDN_1215 IDN_1216 IDN_1217 IDN_1218 IDN_1219 IDN_1220 IDN_1221

DESEMBER 2015

CRESTA Description

CRESTA ID**

Simeulue Aceh Singkil Aceh Selatan Aceh Tenggara Aceh Timur Aceh Tengah Aceh Barat Aceh Besar Pidie Bireuen Aceh Utara Aceh Barat Daya Gayo Lues Aceh Tamiang Nagan Raya Aceh Jaya Bener Meriah Pidie Jaya Kota Banda Aceh Kota Sabang Kota Langsa Kota Lhokseumawe Kota Subulussalam Nias Mandailing Natal Tapanuli Selatan Tapanuli Tengah Tapanuli Utara Toba Samosir Labuhan Batu Asahan Simalungun Dairi Karo Deli Serdang Langkat Nias Selatan Humbang Hasundutan Pakpak Bharat Samosir Serdang Bedagai Batu Bara Padang Lawas Utara Padang Lawas

IDN_1222 IDN_1223 IDN_1224 IDN_1225 IDN_1271 IDN_1272 IDN_1273 IDN_1274 IDN_1275 IDN_1276 IDN_1277 IDN_1278 IDN_1301 IDN_1302 IDN_1303 IDN_1304 IDN_1305 IDN_1306 IDN_1307 IDN_1308 IDN_1309 IDN_1310 IDN_1311 IDN_1312 IDN_1371 IDN_1372 IDN_1373 IDN_1374 IDN_1375 IDN_1376 IDN_1377 IDN_1401 IDN_1402 IDN_1403 IDN_1404 IDN_1405 IDN_1406 IDN_1407 IDN_1408 IDN_1409 IDN_1410 IDN_1471 IDN_1473 IDN_1501 IDN_1502

130

CRESTA Description

Labuhan Batu Selatan Labuhan Batu Utara Nias Utara Nias Barat Kota Sibolga Kota Tanjung Balai Kota Pematang Siantar Kota Tebing Tinggi Kota Medan Kota Binjai Kota Padang Sidempuan Kota Gunungsitoli Kepulauan Mentawai Pesisir Selatan Solok Sijunjung Tanah Datar Padang Pariaman Agam Lima Puluh Kota Pasaman Solok Selatan Dharmas Raya Pasaman Barat Kota Padang Kota Solok Kota Sawah Lunto Kota Padang Panjang Kota Bukittinggi Kota Payakumbuh Kota Pariaman Kuantan Singingi Indragiri Hulu Indragiri Hilir Pelalawan Siak Kampar Rokan Hulu Bengkalis Rokan Hilir Kepulauan Meranti Kota Pekanbaru Kota Dumai Kerinci Merangin



CRESTA ID**


DESEMBER 2015

CRESTA ID**

CRESTA Description

Sarolangun Batang Hari Muaro Jambi Tanjung Jabung Timur Tanjung Jabung Barat Tebo Bungo Kota Jambi Kota Sungai Penuh Ogan Komering Ulu Ogan Komering Ilir Muara Enim Lahat Musi Rawas Musi Banyuasin Banyuasin Ogan Komering Ulu Selatan Ogan Komering Ulu Timur Ogan Ilir Empat Lawang Kota Palembang Kota Prabumulih Kota Pagar Alam Kota Lubuklinggau Bengkulu Selatan Rejang Lebong Bengkulu Utara Kaur Seluma Mukomuko Lebong Kepahiang Bengkulu Tengah Kota Bengkulu Lampung Barat Tanggamus Lampung Selatan Lampung Timur Lampung Tengah Lampung Utara Way Kanan Tulangbawang Pesawaran Pringsewu Mesuji

IDN_1812 IDN_1871 IDN_1872 IDN_1901 IDN_1902 IDN_1903 IDN_1904 IDN_1905 IDN_1906 IDN_1971 IDN_2101 IDN_2102 IDN_2103 IDN_2104 IDN_2105 IDN_2171 IDN_2172 IDN_3101 IDN_3171 IDN_3172 IDN_3173 IDN_3174 IDN_3175 IDN_3201 IDN_3202 IDN_3203 IDN_3204 IDN_3205 IDN_3206 IDN_3207 IDN_3208 IDN_3209 IDN_3210 IDN_3211 IDN_3212 IDN_3213 IDN_3214 IDN_3215 IDN_3216 IDN_3217 IDN_3271 IDN_3272 IDN_3273 IDN_3274 IDN_3275 131

CRESTA Description

Tulangbawang Barat Kota Bandar Lampung Kota Metro Bangka Belitung Bangka Barat Bangka Tengah Bangka Selatan Belitung Timur Kota Pangkal Pinang Karimun Bintan Natuna Lingga Kepulauan Anambas Kota Batam Kota Tanjung Pinang Kepulauan Seribu Kodya Jakarta Selatan Kodya Jakarta Timur Kodya Jakarta Pusat Kodya Jakarta Barat Kodya Jakarta Utara Bogor Sukabumi Cianjur Bandung Garut Tasikmalaya Ciamis Kuningan Cirebon Majalengka Sumedang Indramayu Subang Purwakarta Karawang Bekasi Bandung Barat Kota Bogor Kota Sukabumi Kota Bandung Kota Cirebon Kota Bekasi MAIPARK, Statistik, 12/2015


CRESTA ID**


DESEMBER 2015

CRESTA ID**

CRESTA Description

Kota Depok Kota Cimahi Kota Tasikmalaya Kota Banjar Cilacap Banyumas Purbalingga Banjarnegara Kebumen Purworejo Wonosobo Magelang Boyolali Klaten Sukoharjo Wonogiri Karanganyar Sragen Grobogan Blora Rembang Pati Kudus Jepara Demak Semarang Temanggung Kendal Batang Pekalongan Pemalang Tegal Brebes Kota Magelang Kota Surakarta Kota Salatiga Kota Semarang Kota Pekalongan Kota Tegal Kulon Progo Bantul Gunung Kidul Sleman Kota Yogyakarta Pacitan


CRESTA Description

Ponorogo Trenggalek Tulungagung Blitar Kediri Malang Lumajang Jember Banyuwangi Bondowoso Situbondo Probolinggo Pasuruan Sidoarjo Mojokerto Jombang Nganjuk Madiun Magetan Ngawi Bojonegoro Tuban Lamongan Gresik Bangkalan Sampang Pamekasan Sumenep Kota Kediri Kota Blitar Kota Malang Kota Probolinggo Kota Pasuruan Kota Mojokerto Kota Madiun Kota Surabaya Kota Batu Pandeglang Lebak Tangerang Serang Kota Tangerang Kota Cilegon Kota Serang Kota Tangerang Selatan MAIPARK, Statistik, 12/2015


CRESTA ID**


DESEMBER 2015

CRESTA Description

CRESTA ID**

Jembrana Tabanan Badung Gianyar Klungkung Bangli Karangasem Buleleng Kota Denpasar Lombok Barat Lombok Tengah Lombok Timur Sumbawa Dompu Bima Sumbawa Barat Lombok Utara Kota Mataram Kota Bima Sumba Barat Sumba Timur Kupang Timor Tengah Selatan Timor Tengah Utara Belu Alor Lembata Flores Timur Sikka Ende Ngada Manggarai Rote Ndao Manggarai Barat Sumba Tengah Sumba Barat Daya Nagekeo Manggarai Timur Sabu Raijua Kota Kupang Sambas Bengkayang Landak Pontianak Sanggau


133

CRESTA Description

Ketapang Sintang Kapuas Hulu Sekadau Melawi Kayong Utara Kubu Raya Kota Pontianak Kota Singkawang Kotawaringin Barat Kotawaringin Timur Kapuas Barito Selatan Barito Utara Sukamara Lamandau Seruyan Katingan Pulang Pisau Gunung Mas Barito Timur Murung Raya Kota Palangka Raya Tanah Laut Kota Baru Banjar Barito Kuala Tapin Hulu Sungai Selatan Hulu Sungai Tengah Hulu Sungai Utara Tabalong Tanah Bumbu Balangan Kota Banjarmasin Kota Banjar Baru Pasir Kutai Barat Kutai Kartanegara Kutai Timur Berau Malinau Bulungan Nunukan Penajam Paser Utara



CRESTA ID**


DESEMBER 2015

CRESTA Description

CRESTA ID**

Tana Tidung Kota Balikpapan Kota Samarinda Kota Tarakan Kota Bontang Bolaang Mongondow Minahasa Kepulauan Sangihe Kepulauan Talaud Minahasa Selatan Minahasa Utara Bolaang Mongondow Utara Siau Tagulandang Biaro Minahasa Tenggara Bolaang Mongondow Selatan Bolaang Mongondow Timur Kota Manado Kota Bitung Kota Tomohon Kota Mobagu Banggai Kepulauan Banggai Morowali Poso Donggala Toli Toli Buol Parigi Moutong Tojo Una Una Sigi Kota Palu Kepulauan Selayar Bulukumba Bantaeng Jeneponto Takalar Gowa Sinjai Maros Pangkajene Kepulauan Barru Bone Soppeng Wajo Sidenreng Rappang


CRESTA Description

Pinrang Enrekang Luwu Tana Toraja Luwu Utara Luwu Timur Toraja Utara Kota Makassar Kota Pare Pare Kota Palopo Buton Muna Konawe Kolaka Konawe Selatan Bombana Wakatobi Kolaka Utara Buton Utara Konawe Utara Kota Kendari Kota Bau-Bau Boalemo Gorontalo Pohuwato Bone Bolango Gorontalo Utara Kota Gorontalo Majene Polewali Mandar Mamasa Mamuju Mamuju Utara Maluku Tenggara Barat Maluku Tenggara Maluku Tengah Buru Kepulauan Aru Seram Bagian Barat Seram Bagian Timur Maluku Barat Daya Buru Selatan Kota Ambon Kota Tual Halmahera Barat



CRESTA ID**

IDN_8202 IDN_8203 IDN_8204 IDN_8205 IDN_8206 IDN_8207 IDN_8271 IDN_8272 IDN_9101 IDN_9102 IDN_9103 IDN_9104 IDN_9105 IDN_9106 IDN_9107 IDN_9108 IDN_9109 IDN_9110 IDN_9171 IDN_9401 IDN_9402 IDN_9403 IDN_9404 IDN_9408 IDN_9409 IDN_9410 IDN_9411 IDN_9412 IDN_9413 IDN_9414 IDN_9415 IDN_9416 IDN_9417 IDN_9418 IDN_9419 IDN_9420 IDN_9426 IDN_9427 IDN_9428 IDN_9429 IDN_9430 IDN_9431 IDN_9432 IDN_9433 IDN_9434 IDN_9435 IDN_9436 IDN_9471

DESEMBER 2015

CRESTA Description

Halmahera Tengah Kepulauan Sula Halmahera Selatan Halmahera Utara Halmahera Timur Pulau Morotai Kota Ternate Kota Tidore Kepulauan Fak-Fak Kaimana Teluk Wondama Teluk Bintuni Manokwari Sorong Selatan Sorong Raja Ampat Tambrauw Maybrat Kota Sorong Merauke Jayawijaya Jayapura Nabire Kepulauan Yapen Biak Numfor Paniai Puncak Jaya Mimika Boven Digoel Mappi Asmat Yahukimo Pegunungan Bintang Tolikara Sarmi Keerom Waropen Supiori Mamberamo Raya Nduga Lanny Jaya Mamberamo Tengah Yalimo Puncak Dogiyai Intan Jaya Deiyai Kota Jayapura

** Cresta Zone terbaru dari www.cresta.org yang terkini tahun 2012 dengan (High Resolution)

135



DESEMBER 2015


TARIF PREM I ATAU KONTRIBUSI UNTUK POLIS LOSS LIMIT Penetapan tarif Premi atau Kontribusi untuk polis yang tidak menerapkan pertanggungan secara Nilai Penuh (Full Value) maka berlaku skala sebagai berikut : % of Values

% of Total Premium or Contribution

% of Values


% of Values


% of Values


100,00

100,00

66,00

88,20

32,00

79,37

4,40

47,00

99,00

99,60

65,00

88,00

31,00

78,75

4,30

46,50

98,00

99,20

64,00

87,80

30,00

78,12

4,20

46,00

97,00

98,80

63,00

87,60

29,00

77,50

4,10

45,50

96,00

98,40

62,00

87,40

28,00

76,87

4,00

45,00

95,00

98,00

61,00

87,20

27,00

76,25

3,90

44,50

94,00

97,60

60,00

87,00

26,00

75,62

3,80

44,00

93,00

97,20

59,00

86,80

25,00

75,00

3,70

43,50

92,00

96,80

58,00

86,60

24,00

74,00

3,60

43,00

91,00

96,40

57,00

86,40

23,00

73,00

3,50

42,50

90,00

96,00

56,00

86,20

22,00

72,00

3,40

42,00

89,00

95,60

55,00

86,00

21,00

71,00

3,30

41,50

88,00

95,20

54,00

85,80

20,00

70,00

3,20

41,00

87,00

94,80

53,00

85,60

19,00

69,00

3,10

40,50

86,00

94,40

52,00

85,40

18,00

68,00

3,00

40,00

85,00

94,00

51,00

85,20

17,00

67,00

2,90

39,75

84,00

93,60

50,00

85,00

16,00

66,00

2,80

39,50

83,00

93,20

49,00

84,70

15,00

65,00

2,70

39,25

82,00

92,80

48,00

84,46

14,00

64,00

2,60

39,00

81,00

92,40

47,00

84,21

13,00

63,00

2,50

38,75

80,00

92,00

46,00

83,90

12,00

62,00

2,40

38,50

79,00

91,60

45,00

83,60

11,00

61,00

2,30

38,25

78,00

91,20

44,00

83,30

10,00

60,00

2,20

38,00

77,00

90,80

43,00

83,00

9,00

58,00

2,10

37,75

76,00

90,40

42,00

82,80

8,00

56,00

2,00

37,50

75,00

90,00

41,00

82,53

7,50

55,00

1,90

37,00

74,00

89,80

40,00

82,20

7,00

54,00

1,80

36,50

73,00

89,60

39,00

81,87

6,00

52,00

1,70

36,00

72,00

89,40

38,00

81,54

5,00

50,00

1,60

35,50

71,00

89,20

37,00

81,21

4,90

49,50

1,50

35,00

70,00

89,00

36,00

80,88

4,80

49,00

1,40

34,50

69,00

88,80

35,00

80,55

4,70

48,50

1,30

34,00

68,00

88,60

34,00

80,22

4,60

48,00

1,20

33,50

67,00

88,40

33,00

80,00

4,50

47,50

1,10

33,00

1,00

32,50

(sumber:Lampiran IV Surat Edaran OJK Nomor: NOMOR 21/SEOJK.05/2015, 30 Juni 2015)

136



DESEMBER 2015


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

137



DESEMBER 2015


SKALA TARIF PREMI ATAU KONTRIBUSI GANGGUAN USAHA (BUSINESS INTERRUPTION) Penetapan tarif Premi atau Kontribusi untuk jaminan gangguan usaha (business interruption) berlaku skala sebagai berikut: Indemnity Period

Persentase (%) dari Tarif Premi atau Kontribusi

1 bulan

20% x 100% tarif Premi atau Kontribusi

2 bulan


3 bulan


4 bulan


6 bulan


9 bulan


12 bulan


15 bulan


18 bulan


21 bulan

91.5% x 100% tarif Premi atau Kontribusi

24 bulan


30 bulan


36 bulan


48 bulan


Untuk indemnity period lebih dari 48 bulan penetapan persentase dari tarif Premi atau Kontribusi diserahkan kepada underwriter Perusahaan (sumber:Lampiran IV Surat Edaran OJK Nomor: NOMOR 21/SEOJK.05/2015, 30 Juni 2015)

138


2015

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