2016

MAIPARK, Statistik, 06/2016

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

PT REASURANSI MAIPARK INDONESIA

JUNI 2016

DAFTAR ISI CONTENTS Hal.

Page

Kata pengantar…………………………...……i

Content……..……………………………………….i

Daftar Isi……………………………………….iii

Foreword…………………………………………..iii

Iktisar Statistik Asuransi Gempa Bumi Indonesia Juni 2016

Statistic Overview of Indonesian Earthquake Insurance June 2016

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

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

Umum………………………………………1 Struktur Pasar …………………………….2 Premi Bruto dan Exposure ……………….2 Jumlah Risiko ……………………………..3 Incurred Claim ………………………….....6 Ulasan Aktuaria: Pengaruh Deductible pada Distribusi Frekuensi Klaim dan Besar Klaim……………………………………...13 G. Ulasan Asuransi: Gempabumi yang mengubah..……………………………....22

General ………………………………………...1 Market Structure ………………………………2 Gross Premium and Exposure ………………2 Number of Risk ………………………………..3 Incurred Claim …………………………………6 Actuary Commentary: The Effect of Deductibles on Claims Frequency and Claims Severity Distributions……………………......13 G. Insurance Commentary: Earthquake that Change…………………..……………………22 Map

Peta

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2016, per 30 Juni 2016 ……………………………………...27

Indonesian Earthquake Exposure Distribution by Province, Underwriting Year 2016, as at 30 June 2016 ……………………………………………….27

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2016 …………………………28

Indonesian Earthquake Distribution M > 5 and Claim Incurred 2016 ……………………………...28

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2016, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY 2016…………………………………………....29

Indonesian Earthquake Exposure Distribution by Province, Underwriting Year 2016, per 30 June 2016, Indonesian Earthquake Distribution M > 5 and Claim Incurred UY 2016 …………………………………………………...…29

Indonesian Earthquake Insurance Exposure

Exposure Asuransi Gempa Bumi Indonesia

Tabel 2.1. Exposure Per Cresta Zone ……..30 Tabel 2.2. Exposure Per Okupasi………......32 Tabel 2.3. Exposure Per Interest………........34 Tabel 2.4. Exposure Per Provinsi……………36 Tabel 2.5. Exposure Per Kelas Konstruksi...37

Table 2.1. Exposure By Cresta Zone ............... 30 Table 2.2. Exposure By Occupation ................. 32 Table 2.3. Exposure By Interest ....................... 34 Table 2.4. Exposure By Province………….........36 Table 2.5. Exposure By Class of Construction..37

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JUNI 2016

Indonesian Earthquake Insurance Gross premium

Premi Bruto Asuransi Gempa Bumi Indonesia

Tabel 3.1. Premi Bruto Per Cresta Zone…….39 Tabel 3.2. Premi Bruto Per Okupasi…………41 Tabel 3.3. Premi Bruto Per Interest……….....43 Tabel 3.4. Premi Bruto Per Provinsi…………………….........................…45 Tabel 3.5. Premi Bruto Per Kelas Konstruksi .................................................................... 46

Table 3.1. Gross Premium by Cresta Zone……39 Table 3.2. Gross Premium by Occupation.........41 Table 3.3. Gross Premium by Interest...............43 Table 3.4. Gross Premium by Province……..…45 Table 3.5. Gross Premium by Class of Construction………………………………………46

Indonesian Earthquake Insurance Number of Risk

Jumlah Risiko Asuransi Gempa Bumi Indonesia

Tabel 4.1. Jumlah Risiko Per Cresta Zone .. 48 Tabel 4.2. Jumlah Risiko Per Okupasi ......... 50 Table 4.3. Jumlah Risiko Per Kelas Konstruksi .................................................................... 52 Table 4.4. Jumlah Risiko Per Provinsi......…54

Table 4.1. Number of Risk By Cresta Zone ..... 48 Table 4.2. Number of Risk By Occupation ...... 50 Table 4.3. Number of Risk By Construction Class ………………………………………….................52 Table 4.4. Number of Risk By Province ......….54

Klaim Asuransi Gempa Bumi Indonesia

Indonesian Earthquake Insurance Claim

Tabel 5.1. Frekuensi Klaim Per Cresta Zone.55 Tabel 5.2. Frekuensi Klaim Per Okupasi……57 Tabel 5.3. Frekuensi Klaim Per Provinsi……59 Tabel 5.4. Klaim Per Cresta Zone……………60 Tabel 5.5. Klaim Per Okupasi………………..62 Tabel 5.6. Klaim Per Provinsi………………..64

Table 5.1. Claim Frequency By Cresta Zone…..55 Table 5.2. Claim Frequency By Occupation……57 Table 5.3. Claim Frequency By Province………59 Table 5.4. Claim By Cresta Zone……………….60 Table 5.5. Claim By Occupation………………...62 Table 5.6. Claim By Province…………………..64 Risk and Claim Profile

Profil Risiko dan Klaim

Underwriting Year 2012 - 2016, Seluruh Okupasi ……………………………………….65 Underwriting Year 2016, Seluruh Okupasi …66 Underwriting Year 2015, Seluruh Okupasi …67 Underwriting Year 2014, Seluruh Okupasi …68 Underwriting Year 2013, Seluruh Okupasi …69 Underwriting Year 2012, Seluruh Okupasi …70

Underwriting Year 2012 - 2016, All Occupation………………………………………..65 Underwriting Year 2016, All Occupation ……….66 Underwriting Year 2015, All Occupation ……….67 Underwriting Year 2014, All Occupation ……….68 Underwriting Year 2013, All Occupation ………69 Underwriting Year 2012, All Occupation ……….70

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Profil Risiko dan Klaim Underwriting Year Per Okupasi 2016

Risk and Profile Claim Underwriting Year 2016 By Occupation

Okupasi Agrikultural………………………….71 Okupasi Komersial …………………………..72 Okupasi Industrial ……………………………73 Okupasi Residensial …………………………74

Occupation Agricultural………………………….71 Occupation Commercial ………………………...72 Occupation Industrial ……………………………73 Occupation Residential ………………………….74




Occupation Agricultural ………………………….75 Occupation Commercial ………………………...76 Occupation Industrial ……………………………77 Occupation Residential ………………………….78







Okupasi Agrikultural………………………….83 Okupasi Komersial …………………………..84 Okupasi Industrial ……………………………85 Okupasi Residensial ……………….………..86

Occupation Agricultural ………………………….83 Occupation Commercial ………………………...84 Occupation Industrial ……………………………85 Occupation Residential …………………………86



Okupasi Agrikultural………………………….87 Okupasi Komersial………………………......88 Okupasi Industrial…………………………….89 Okupasi Residensial..…………………….....90


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JUNI 2016

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

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

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2016……………………………………………91 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2015……………………………………………92 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2014……………………………………………93 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2013……………………………………………94 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2012……………………………………………95

Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2016………………………………………………..91 Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2015……………………………………………......92 Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2014…………………………………………….....93 Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2013……………………………………………….94 Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2012……………………………………………….95

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

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

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2016……………………………………………96 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2015……………………………………………97 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2014……………………………………………98 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2013……………………………………………99 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2012…………………………………………..100

Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2016……………………………………………….96 Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2015……………………………………………….97 Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2014……………………………………………….98 Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2013……………………………………………….99 Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2012………………………………………………100

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JUNI 2016

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

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

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2016…….. 101 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2015……...102 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2014……...103 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2016……………………………………………..101 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2015………...102 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2014………...103 Exposure, Premi Bruto, Jumlah Risiko & Klaim

2013……………………………………………104

per Provinsi, Underwriting Year

Exposure, Premi Bruto, Jumlah Risiko & Klaim

2013……………………………………………..104

per Provinsi, Underwriting Year

Exposure, Premi Bruto, Jumlah Risiko & Klaim

2012……………………………………………105

per Provinsi, Underwriting Year 2012……………………………………………..105

Lampiran 1. Daftar Istilah…….………………………………106 2.Tarif asuransi Gempa Bumi Indonesia …….……….……….............................................108 3. Zona Asuransi Gempa Bumi Indonesia………112 4. Cresta Zone Indonesia…………………………122 5. Skala First Loss…………………………………129 6. Tabel Short Periode kurang dari 1 tahun…..………………………..…………………..130 7. Skala Indemnity Period………………………...131

Attachment 1.Glossaries……………………………………..…..106 2. Indonesian Earthquake Insurance Tariff…………………………………………………..108 3. Cresta Zone and Zone Table……………………112 4. Indonesia Cresta Zone ………………………….122 5. First Loss Scale …..………………………………129 6. Short Period Table Less Than One Year Period…………………………………………………130 7. Indemnity Period Scale………………………..…131

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

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

*) 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

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JUNI 2016

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2016 Statistic Overview of Indonesia Earthquake Insurance June 2016

A. Umum

A. General

Produk Domestik Bruto atas dasar Harga Berlaku dan Harga Konstan 2010 - Kuartal II 2016 Gross Domestic Product by Current Price and Constant Price 2010 - second quarter 2016 Harga Berlaku (Current price) Triw ulan I-2016 / Quarter 1- 2016 Produk Dom estik Bruto (Gross Dom estic Product)

Triw ulan II-2016 / Quarter 2 - 2016

2,942.00

Harga Konstan 2010/ Constant price 2010 Triw ulan I-2016 / Quarter 1 - 2016

3,086.60

Triw ulan II-2016 / Quarter 2 - 2016

2,262.30

2,353.20

dalam triliun rupiah in trillion rupiah

Berdasarkan data Badan Pusat Statistik,

Based on Central of Statistics Bureau data,

pertumbuhan ekonomi Indonesia berdasarkan

Indonesia economic growth by Gross Domestic

Produk Domestik Bruto (Harga Berlaku) triwulan

Bruto (Current Price) second quarter compare

II terhadap triwulan sebelumnya naik sebesar

to

4,02% (Rp2.942,00 triliun menjadi Rp.3.086,60

(IDR2,942.00 trillion to IDR.3,086.60 trillion)

previous

quarter

increased

4.02%

triliun). Premi dan Klaim Bruto Kelas Bisnis Harta Benda - Kuartal II 2016 Gross Premium and Claim Property class of business - Second Quarter 2016 Kelas Bisnis Class of Business Harta Benda

Premi Bruto Triwulan I-2015

Klaim Bruto

Triwulan I-2016

7,942.93

Triwulan I-2015 Triwulan I-2016

8,704.58

3,431.57

3,400.25

dalam miliar rupiah in billion rupiah

Dari sisi Industri Asuransi Umum, menurut

From the General Insurance Industry, based on

Asosiasi Asuransi Umum Indonesia, dapat

General Insurance Indonesia Assosiation, can

dilihat bahwa Premi Bruto untuk kelas bisnis

be seen that Gross Premium for property class

harta benda (triwulan II tahun 2015 ke triwulan II

of business (second quarter 2015 compare to

2016) mengalami kenaikan sebesar 9,6%

second

(Rp.7.942,93 miliar menjadi Rp.8.704,58 miliar)

(IDR.7,942.93 billion to IDR.8,704.58 billion)

1

quarter

2016)

increase

9.6%



JUNI 2016

dan Klaim Bruto turun -0,9% (Rp.3.431,57 miliar

and Gross Claim decrease -0.9% (IDR.

menjadi Rp.3.400,25 miliar ).

3.431,57 billion to IDR.3,400.25 billion).

B. Struktur Pasar

B. Market Structure Struktur Pasar Industri Asuransi Umum Indonesia Mark et Structure of the Indonesia General Insurance Industry Kategori

Jumlah

Perusahaan Asuransi Umum

76

Perusahaan Reasuransi

6

Asuransi Sosial

2

Perusahaan Asuransi Wajib

3

Sumber: buku Direktori 2015: Industri Keuangan Non Bank

. Source: buku Directory 2015: Non Bank Financial Institution

C. Premi Bruto

C. Gross Premium

Tabel 1.1 menyajikan rincian premi bruto

The table 1.1 shows the details of gross

berdasarkan jenis okupasi dari Underwriting

premium

Year 2012 hingga Underwriting Year 2016.

Underwriting Year 2011 to Underwriting Year

Berdasarkan data tersebut dapat kita lihat

based

on

occupation

from

2015.

bahwa untuk Okupasi Industrial dan Residensial

We could see based to Industrial and

pada Underwriting Year 2012-2014 mengalami

Residential Occupation data have increase

trend kenaikan, namun dua okupasi lainnya

trend, but other two occupation in Underwriting

menurun di Underwriting Year 2014. Penurunan

Year 2012-2014 have decrease in Underwriting

pada Okupasi Agrikultural ini diakibatkan adanya

Year 2014. The decrease in Agriculture

penurunan penutupan di Provinsi Jawa Barat

Occupation because of decrease cover in East

khususnya di Kab. Karawang. Selain itu

Java Province especially City of Karawang. The

penurunan

adanya

decrease also caused by decreasing cover in

penurunan penutupan di Provinsi Bali dan Jawa

Bali Province and East Java i.e. Karangasem

Barat, masing-masing adalah Kab. Karangasem

and Bandung District respectively.

ini

juga

disebabkan

dan Kab. Bandung.

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JUNI 2016

Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2016 Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2016 Dalam Jutaan Rupiah In Million Rupiah

Okupasi / Occupation

Underwriting Year

Total Agrikultural / Agricultural

Komersial / Commercial

Industri / Industrial

Residensial / Residential

2012

29,419.23

1.08%

658,376.86

24.19%

1,686,073.03

61.96%

347,532.51

12.77%

2,721,401.64

2013

35,250.82

0.78%

1,811,968.36

40.00%

2,207,809.14

48.74%

474,567.62

10.48%

4,529,595.94

2014

29,149.82

0.59%

1,118,227.46

22.45%

3,219,326.81

64.62%

615,373.36

12.35%

4,982,077.45

2015

29,683.73

0.57%

1,795,033.57

34.61%

2,816,715.07

54.31%

544,821.43

10.51%

5,186,253.80

2016

5,495.44

0.59%

242,709.63

26.23%

541,797.01

58.56%

135,233.24

14.62%

T OT AL

128,999.03

5,626,315.88

10,471,721.06

D. Jumlah Risiko

2,117,528.17

925,235.32 18,344,564.15

D. Number of Risk

Dari Tabel 1.2 dapat kita peroleh informasi

From Table 1.2 we can find information that

bahwa jumlah risiko Okupasi Komersial terbesar

the biggest number of risks for Commercial

ada di Underwriting Year 2014 yaitu 124.558.

Occupation was in Underwriting Year 2014 i.e

Sedangkan jumlah risiko Okupasi Komersial di

124,558. While number of risks for Commercial

Underwriting Year 2016 adalah 25.085 atau

Occupation in Underwriting Year 2016 was

sebesar 20,14% atau seperlima dari jumlah

25,085 i.e. 20.14% or fifth of the number of risks

risiko Okupasi Komersial di Underwriting Year

Commercial Occupancy in Underwriting Year

2014. Jika pola pensesian dan proses validasi

2014. If the cession and bordereoux validation

bordero tidak berubah, maka jumlah risiko

processing pattern unchanged, then number of

Okupasi Komersial di Underwriting Year 2016

risks for the Commercial Occupation in

masih akan meningkat.

Underwriting Year 2016 still increased.

Jumlah Risiko pada Okupasi Agrikultural di

Number of risks in Agriculture Occupation

Underwriting Year 2015 dibandingkan dengan

in Underwriting Year 2015 compared to

Underwriting

mencapai

Underwriting Year 2015 reached 51.79% (390

51.79%(390 dibanding 753), berbeda dengan 3

compare to 753), different to other three

okupasi lainnya yang rata-rata diatas 90%. Hal

occupation that average above 90%. This is

ini diakibatkan karena adanya penurunan jumlah

because of the decrease number of risks cover

risiko penutupan sebagian besar di Provinsi

mostly in North Sumatra and East Kalimantan

Sumatera

Timur.

Province. Relatively significant decrease was in

Penurunan yang relative signifikan terjadi di

North Sumatra Province i.e. Simalungun,

Provinsi Sumatera Utara adalah di Kab.

Tapanuli Selatan dan Asahan District. While in

Year

Utara

2014

dan

baru

Kalimantan

Simalungun, Kab. Tapanuli Selatan dan Kab.

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JUNI 2016

Asahan. Sedangkan di Provinsi Kalimantan

East Kalimantan, relatively significant decrease

Timur, penurunan jumlah risiko penutupan yang

in number of risks cover was in Balikpapan city.

relative signifikan ada di Kota Balikpapan. Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2016 Table 1.2 Number of Risk By Occupation as at 30 June 2016 Okupasi

U/Y 2012

Occupation

U/Y 2013

U/Y 2014

U/Y 2015

U/Y 2016

Jumlah / Total

%

Jumlah / Total

%

Jumlah / Total

%

Jumlah / Total

%

Jumlah / Total

%

Agricultural / Agricultural

A

420

0.24

535

0.28

753

0.32

390

0.17

189

0.35


C

94,595

54.42

100,683

53.12

124,558

52.94

123,845

54.78

25,085

46.31

Industrial / Industrial

I

17,199

9.89

18,433

9.73

18,903

8.03

17,165

7.59

4,236

7.82


R

61,613

35.45

69,873

36.87

91,061

38.70

84,669

37.45

24,661

45.52

173,827

100.00

189,524

100.00

235,275

100.00

226,069

100.00

54,171

100.00

Jumlah / Total

Number of Risk By Occupation As at 30 June 2016

Industrial

Agricultural 800.00

20,000.00

700.00

18,000.00 16,000.00

600.00

14,000.00

500.00

12,000.00

400.00

10,000.00

300.00

8,000.00 6,000.00

200.00

4,000.00

100.00

2,000.00

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2012

UY 2016

UY 2013

UY 2014

UY 2015

UY 2016

Residential

Commercial 100,000.00

140,000.00

90,000.00

120,000.00

80,000.00 70,000.00

100,000.00

60,000.00

80,000.00

50,000.00

60,000.00

40,000.00

40,000.00

30,000.00

20,000.00

10,000.00

20,000.00

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2012

UY 2016

UY 2013

UY 2014

UY 2015

UY 2016

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

4



JUNI 2016

positif. Hal ini dibuktikan dengan apabila

positive. This is proved which the highest gross

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 2012 – 2016

in Underwriting Year 2012 – 2016 are as follows:

adalah sebagai berikut: Jumlah Risiko Terbesar pada Okupasi Komersial Berdasarkan Kode Okupasi per 30 Juni 2016 The Highest Number Of Risk in Commercial Occupation as at 30 June 2016 by Occupation Code Description & Occupation Code

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

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

U/Y 2016

Total

Total

Total

Total

Total

2934 29341

0 23,045

0 16,013

33,421 0

33,483 0

6,768 0

29371

13,080

14,355

0

0

0

293941

2

3

0

0

0

36,127

30,371

33,421

33,483

6,768

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 2012 –

Year 2012 – 2016 adalah sebagai berikut:

2016 are as follows:

Jumlah Risiko Terbesar pada Okupasi Residensial Berdasarkan Kode Okupasi per 30 Juni 2016 The Highest Number Of Risk in Residential Occupation as at 30 June 2016 by Occupation Code Description & Occupation Code

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

2976

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

U/Y 2016

Total

Total

Total

Total

Total

35,736

34,338

48,485

44,746

14,226

35,736

34,338

48,485

44,746

14,226

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JUNI 2016

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 2013 yaitu sebanyak 62

2013 was 62 claims and it dominated by

klaim dan didominasi okupasi Komersial

Commercial occupation of 49 claims. It was

sebanyak 49 klaim. Hal ini disebabkan oleh

caused by Kelud Eruption, on 13 February 2014.

kejadian Erupsi Gunung Kelud, 13 Februari

This claim due to Eruption was mostly come from

2014. Klaim akibat Erupsi ini sebagian besar

East Java Province especially City and District of

berasal dari Provinsi Jawa Timur khususnya

Kediri, Malang District and Surabaya city.

Kota & Kab. Kediri, Kab. Malang dan Kota Surabaya.

Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2016 Table 1.3 Claim Frequency By Occupation as at 30 June 2016 Okupasi

Underwriting Year

Occupation

2012

2013

2014

2015

2016

Agrikultural / Agricultural

A

0

0

0

0

0


C

16

49

10

25

1


I

0

5

1

2

0


R

2

8

4

11

4

18

62

15

38

5

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. The picture was for Underwriting Year

Gambaran tersebut adalah untuk Underwriting

2016 during the last six month which probably any

Year 2016 selama 6 bulan terakhir dimana

changes if an event occurs in the future.

masih memungkinkan terjadi perubahan jika terjadi event ke depan.

6



JUNI 2016

Tabel 1.4 Frekuensi Incurred Claim Underwriting Year 2016 Per 30 Juni 2016 Table 1.4 Frequency Incurred Claim Underwriting Year 2016 as at 30 June 2016 *) Dalam Rupiah *) In IDR

Incurred Claim (BAND) *)

Frekuensi

Jumlah Incurred Claim

Claim Incurred (BAND)*)

Frequency

Total Claim Incurred

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

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

1 2 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5

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

50,000,000 175,000,000 360,000,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 585,000,000

50,000,000 87,500,000 180,000,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

7

Highest Claim Incurred 50,000,000 100,000,000 200,000,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Lowest Claim Incurred 50,000,000 75,000,000 160,000,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0



JUNI 2016

Dari tabel 1.5 tampak bahwa jumlah klaim

From the table 1.5 below, it shows that the

terbesar berada pada Underwriting Year 2013.

largest claim is in the Underwriting Year 2013. The

Klaim yang terbesar adalah pada okupasi

largest claim is under Commercial occupation that

Komersial, yaitu 99.63% dari total klaim di

is 99.63% of the total claim in Underwriting Year

Underwriting

2013 or Rp.271.3 billion.

Year

2013

atau

sebesar

Rp.271,3 miliar. Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2016 Dalam Rupiah

Table 1.5 Claim Amount By Occupation as at 30 June 2016

In IDR

Underwriting Year Okupasi / Occupation

2012

2013

Jumlah / Total

%

2014

Jumlah / Total

%

2015

Jumlah / Total

%

Jumlah / Total

2016 %

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

1,636,685,520.49

92.33

271,246,520,180.70

99.63

624,550,950.05

67.66

5,959,405,013.50

38.45

200,000,000.00

0.00


I

0.00

0.00

890,057,888.00

0.33

200,000,000.00

21.67

7,680,965,985.00

49.56

0.00

0.00


R

135,984,751.35

7.67

104,486,089.00

0.04

98,536,193.51

10.67

1,857,064,680.00

11.98

385,000,000.00

0.00

1,772,670,271.84

100.00

272,241,064,157.70

100.00

923,087,143.56

100.00

15,497,435,678.50

100.00

585,000,000.00

0.00

Jumlah / Total

Tabel 1.6 menyajikan kejadian Gempa

Table 1.6 shows earthquake events occurred

Bumi Tahun 2016 dan Incurred Claim sampai

in 2016 and the corresponding incurred claims as

dengan 30 Juni 2016.

at 30 June 2016.

Tabel 1.6 Kejadian Gempa Bumi Tahun 2016 dan Klaim per 30 Juni 2016 Table 1.6 Earthquak e Event in 2016 and Claim as at 30 June 2016 Dalam Rupiah In IDR

Kejadian Event

Tanggal Kejadian Date of Loss

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

Air Bangis

2-Mar-16

7.8 SR

10,000,000.00

Mentawai

5-Mar-16

5.3 SR

10,000,000.00

Garut

6-Apr-16

6.1 SR

181,170,253.50

Solok

2-Jun-16

6.5 SR

1,510,000,000.00

8

Klaim Claim



JUNI 2016

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

9



JUNI 2016

Tabel 1.7 menyajikan klaim untuk event Air

Table 1.7 shows Air Bangis, Mentawai,

Bangis, Mentawai, Garut dan Solok perjenis

Garut and Solok event by occupation. It can be

okupasi. Dapat dilihat bahwa okupasi yang

seen

terdampak pada beberapa event tersebut adalah

Occupation

Komersial dan Residensial. Hal ini dimungkinkan

mentioned. This is probably a little/there is not

masih sedikit/belum adanya penutupan pada

yet cover in Industrial and Agricultural

Okupasi Industrial dan Agrikultural sehingga

Occupation so the impact to the occupation

dampak ke Okupasi tersebut belum ada atau

does not exist or may the claim report was not

mungkin laporan klaim untuk kedua Okupasi

received yet (Incurred But Not Reported).

that

Commercial affected

and

with

Residential

some

event

tersebut belum masuk. Tabel 1.7 Kejadian Gempa Bumi Tahun 2016 dan Klaim per Okupasi per 30 Juni 2016 Table 1.7 Earthquake Event in 2016 and Claim per Occupation as at 30 June 2016 Okupasi Occupation Kejadian Event

Tanggal Kejadian Date of Loss Agrikultural /

Air Bangis

2-Mar-16

Frekuensi / Frequency

Jumlah (Dalam Rupiah) / Amount (In IDR)

Komersial /

Industrial /

Agricultural

Commercial

Industrial

Residential

0

0

0

1

0.00

0.00

0.00

10,000,000.00

Residensial / Agrikultural / Agricultural


Industrial /

Residensial /

Industrial

Residential 10,000,000.00

Mentawai

5-Mar-16

0

1

0

0

0.00

0.00

0.00

Garut

6-Apr-16

0

2

0

1

0.00

106,170,253.50

0.00

75,000,000.00

Solok

2-Jun-16

0

2

0

3

0.00

1,200,000,000.00

0.00

310,000,000.00

Tabel di bawah ini adalah daftar klaim

The table below is a list of the largest claims

terbesar sampai dengan tanggal 30 Juni 2016.

as at 30 June 2016. Pariaman event was the

Event Pariaman merupakan event dengan besar

biggest claim in the period of 5 years since the

klaim terbesar dalam kurun waktu 5 tahun pasca

Aceh event.

event Aceh.

10



JUNI 2016

Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2016 List of The Largest Claims as at 30 June 2016 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 781,709,354,691.64

1

ACEH

2

YOGYA

27-05-2006

5.9

286,314,259,635.72

3

PADANG

06-03-2007

5.8

22,445,090,553.18

4

BENGKULU

12-09-2007

7.9

48,880,150,344.02

5

PADANG

16-08-2009

6.9

42,782,942,555.00

6

TASIKMALAYA

02-09-2009

7.3

7

PARIAMAN

30-09-2009

7.6

1,083,648,012,851.01

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

*)

322,962,107,319.64

24,305,724,396.26

*) 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 30 Juni 2016. Tabel tersebut

loss ratio as at 30 June 2016. The table show

menunjukkan loss ratio Underwriting Year 2016

that the biggest loss ratio was at Underwriting

masih lebih kecil dari 5 Underwriting Year.

Year 2013 i.e. 6.01%. It was influenced by

Sedangkan loss ratio tertinggi berada pada

large amount of claim that resulting majority

Underwriting Year 2013 sebesar 6.01%. Hal ini

from Kelud Eruption in 2014.

dipengaruhi oleh nilai klaim yang cukup tinggi yang mayoritas disebabkan dari Erupsi Gunung Kelud tahun 2014. Tabel 1.8 Jumlah Polis dan Loss Ratio per 30 June 2016 Table 1.8 Number of Policies and Loss Ratio as at 30 June 2016 Underwriting

Jumlah Polis

Premi *)

Frekwensi Klaim

Jumlah Klaim *)

Year

Number of Policies

Premium *)

Claim Frequency

Incurred Claim *)

2012

173,827

2,721,401,635,174.71

18

1,772,670,271.84

0.07%

2013

189,524

4,529,595,941,316.70

62

272,241,064,157.70

6.01%

2014

235,275

4,982,077,446,302.20

15

923,087,143.56

0.02%

2015

226,069

5,186,253,804,675.63

38

15,497,435,678.50

0.30%

2016

54,171

925,235,320,285.70

21

585,000,000.00

0.06%

Loss Ratio

Keterangan : *) Dalam Rupiah *) In IDR

11



JUNI 2016

Tabel 1.9 menyajikan Premi dan Exposure

Table 1.9 shows Premium and Exposure as at

per 30 Juni 2016. Dapat dilihat bahwa trend

30 June 2016. It can be seen that increase trend

kenaikan pada premi dari Underwriting Year

on premium will also be in exposure for

2012-2015 akan terjadi juga pada sisi

Underwriting Year 2012-2015.

Exposure.

Tabel 1.9 Premi dan Exposure per 30 Juni 2016 Table 1.9 Premium and Exposure as at 30 June 2016 Dalam Jutaan Rupiah In Million IDR

Premi

Exposure

Premium

Exposure

2012

2,721,401.64

1,974,309,314.68

2013

4,529,595.94

2,758,269,954.05

2014

4,982,077.45

3,128,409,723.85

2015

5,186,253.80

3,548,422,344.44

2016

925,235.32

727,575,486.02

T OT AL

18,344,564.15

12,136,986,823.04

Underwriting Year

12



JUNI 2016

Ulasan Aktuaria / Actuarial Commentary

Pengaruh Deductible pada Distribusi Frekuensi Klaim dan Besar Klaim The Effect of Deductibles on Claims Frequency and Claims Severity Distributions Pemodelan klaim menggunakan model

Modelling claims frequency and claims

peluang dapat dilakukan terhadap frekuensi

amount (severity) may be carried out using

klaim dan besar (severitas) klaim. Ulasan

probability models. This actuarial article

aktuaria

pengaruh

discusses the effect of deductibles on the

deductible pada distribusi peluang peubah

probability distributions of claims severity and

acak severitas dan peubah acak frekuensi

claims frequency random variables. Applying

klaim. Deductible merupakan salah satu jenis

a deductible is one way of coverage

modifikasi cakupan polis. Modifikasi cakupan

modification. Insurance companies often

polis sering diterapkan perusahaan asuransi

modify the policy coverage to reduce risks

untuk mengurangi risiko dan/atau mengontrol

and/or control the problem of moral hazard,

bahaya moral, yaitu situasi dimana terjadi

which refers to the situation in which the

perubahan perilaku dari pemegang polis akibat

insured behaves differently due to a given

adanya perlindungan terhadap kerugian.

protection of loss. With a deductible, a

Dengan adanya deductible, pembayaran klaim

payment in a loss event does not incur if the

tidak terjadi apabila kerugian tidak melebihi

loss does not exceed the deductible.

kali

ini

membahas

nilai deductible. Sebelum membahas lebih lanjut mengenai

Before further discussion on deductible,

deductible, diperlukan definisi yang jelas

the definitions of loss events and payment

tentang kejadian kerugian dan kejadian

events are required. A loss event occurs

pembayaran. Kejadian kerugian terjadi apabila

whenever there is a loss; whereas a payment

terdapat

kejadian

event occurs only when the insurer is liable to

pembayaran terjadi ketika pihak asuransi

pay some or all of the loss. Notations on

sebagai penanggung memiliki liabilitas untuk

random variables which will be used in this

membayar seluruh atau sebagian kerugian.

article are as follows:

kerugian,

sedangkan

Beberapa notasi dari peubah acak yang akan digunakan adalah sebagai berikut:

13



JUNI 2016

𝑋 ≔peubah acak yang menyatakan nilai yang

dibayarkan

kerugian

ketika

𝑋 ≔random variable which defines the

atas

kejadian

amount paid in a loss event when

tidak

terdapat

there is no coverage modification,

modifikasi cakupan polis,

𝑋𝐿 ∶=random variable which defines the

𝑋𝐿 ∶=peubah acak yang menyatakan nilai yang

dibayarkan

atas

amount paid in a loss event when

kejadian

there is coverage modification,

kerugian ketika terdapat modifikasi

𝑋𝑃 ∶=random variable which defines the

cakupan polis,

amount paid in a payment event when

𝑋𝑃 ∶=peubah acak yang menyatakan nilai yang

dibayarkan

atas

there is coverage modification.

kejadian

pembayaran ketika terdapat modifikasi cakupan polis. 𝑋, 𝑋𝐿 dan 𝑋𝑝 secara berturut-turut disebut

𝑋, 𝑋𝐿 , and 𝑋𝑝 consecutively denote the

sebagai ground-up loss, cost per loss, dan cost

ground-up loss, cost per loss, and cost per

per payment. 𝑋 dan 𝑋𝐿 memiliki support

payment. Thus, 𝑋 dan 𝑋𝐿 have non-negative

nonnegatif, sedangkan 𝑋𝑝 memiliki support

support, while 𝑋𝑝 has positive support.

positif. Misalkan suatu polis asuransi memiliki nilai

Consider an insurance policy with a

deductible sebesar 𝑑 sedemikian sehingga

deductible of 𝑑 such that the insurer will not

pihak asuransi tidak akan membayar kepada

pay the policyholder if the loss 𝑋 is less than or

pemegang polis apabila kerugian 𝑋 kurang

equal to 𝑑; and will pay 𝑋 − 𝑑 if the loss 𝑋

dari atau sama dengan 𝑑 dan akan membayar

exceeds 𝑑. Assume that the imposition of

sebesar 𝑋 − 𝑑 apabila kerugian 𝑋 melebihi 𝑑.

coverage modification does not affect the

Asumsikan bahwa adanya modifikasi cakupan

process

polis tidak memengaruhi proses terjadinya

characteristics of the individuals who will

kerugian maupun karakteristik individu yang

purchase the insurance product. Therefore, the

akan membeli produk asuransi. Dengan

amount paid in a loss event is given by

that

produces losses

or

the

demikian, nilai yang dibayarkan atas kejadian kerugian adalah 𝑋𝐿 = (𝑋 − 𝑑)+ = {

14

0, 𝑋≤𝑑 𝑋 − 𝑑, 𝑋 > 𝑑

(1)



JUNI 2016

Berdasarkan persamaan 1, seluruh nilai

Based on equation 1, the entire value of losses

kerugian kurang dari sama dengan 𝑑 dipetakan

which is less than or equal 𝑑 are mapped to

ke titik nol, sehingga peubah acak 𝑋𝐿 memiliki

point zero. Therefore, the random variable 𝑋𝐿

massa peluang di titik nol sebesar

has a probability mass at point zero of (2)

𝑃𝑟(𝑋𝐿 = 0) = 𝑃𝑟(𝑋 ≤ 𝑑) = 𝐹𝑋 (𝑑)

Dengan demikian,

berdistribusi

The random variable 𝑋𝐿 has a mixed-type

campuran; yaitu terdapat massa peluang di titik

distribution; having a probability mass at point

nol atau peluang di titik nol adalah 𝐹𝑋 (𝑑) , dan

zero of 𝐹𝑋 (𝑑) and, for 𝑥 > 𝑑 , a density

untuk 𝑥 > 𝑑, fungsi densitas peluang 𝑋𝐿

function of

𝑋𝐿

adalah sebagai berikut: 𝑓𝑋𝐿 (𝑥 − 𝑑) = 𝑓𝑋 (𝑥),

Persamaan 3 juga dapat dituliskan dalam bentuk berikut:

(3)

𝑥 > 𝑑.

Equation 3 can also be written as

𝑓𝑋𝐿 (𝑥) = 𝑓𝑋 (𝑥 + 𝑑),

𝑥>0

(4)

The distribution function of the random

Fungsi distribusi dari peubah acak 𝑋𝐿 adalah

variable 𝑋𝐿 is given by 0, 𝐹𝑋𝐿 = { 𝐹𝑋 (𝑥 + 𝑑)

Mean atau rataan dari peubah acak 𝑋𝐿 adalah

∞

𝑥<0 𝑥 ≥ 0.

(5)

The mean of 𝑋𝐿 may be calculated as follows

∞

∞

𝐸[𝑋𝐿 ] = ∫0 𝑥 𝑓𝑋𝐿 (𝑥) 𝑑𝑥 = ∫𝑑 (𝑥 − 𝑑) 𝑓𝑋 (𝑥) 𝑑𝑥 = ∫𝑑 𝑆𝑋 (𝑥) 𝑑𝑥.

(6)

Berbeda dari peubah acak 𝑋𝐿 , peubah acak 𝑋𝑃

Unlike the random variable 𝑋𝐿 , the random

terdefinisi

terdapat

variable 𝑋𝑃 is defined only when there is a

Pada

payment, i.e. when 𝑋 > 𝑑. In practice, only

praktiknya, sering kali hanya data pembayaran

the data on payments are available. When a

saja yang tersedia. Ketika kerugian kurang dari

loss is less than or equal to the deductible,

nilai deductible, maka tidak ada klaim yang

usually a claim will not be reported to the

jika

pembayaran,

dan yaitu

hanya ketika

jika 𝑋 > 𝑑.

15



JUNI 2016

dilaporkan ke perusahaan asuransi, sehingga

insurance company and the information of the

informasi kerugian (ground-up loss) tidak ada.

ground up loss is not recorded. Based on the

Berdasarkan proses terbentuknya, distribusi dari

process, the distribution of the random

peubah acak 𝑋𝐿 dan 𝑋𝑝 secara berturut turut juga

variables 𝑋𝐿 and 𝑋𝑃 are called censored

disebut

distribution

sebagai

censored distribution

dan

and

truncated

distribution,

truncated distribution. 𝑋𝑃 yang pada umumnya

resepectively. The random variable

𝑋𝑃 ,

disebut excess-loss variable merupakan peubah

which is generally called an excess-loss

acak bersyarat yang didefinisikan sebagai

variable, is a conditional random variable defined as (7)

𝑋𝑃 = 𝑋 − 𝑑 | 𝑋 > 𝑑 = 𝑋𝐿 | 𝑋𝐿 > 0, sehingga 𝑋𝑃 = {

𝑢𝑛𝑑𝑒𝑓𝑖𝑛𝑒𝑑, 𝑋 − 𝑑,

𝑋≤𝑑 . 𝑋>𝑑

Dapat dilihat bahwa 𝑋𝑃 selalu berdistribusi kontinu

apabila

Note that 𝑋𝑃 follows a continuous

kontinu.

distribution if 𝑋 is continuous. Based on

Berdasarkan persamaan 7, fungsi densitas, fungsi

equation 7, the density function, the

distribusi, dan mean dari peubah acak 𝑋𝑃 adalah

distribution function, and the mean of random

𝑋

berdistribusi

(8)

variable 𝑋𝑃 , respectively, are as follows: 𝑓𝑋 (𝑥)

𝐿 𝑓𝑋𝑃 (𝑥) = 𝑃𝑟(𝑋>𝑑) =

𝐹𝑋𝑃 (𝑥) =

𝑓𝑋 (𝑥+𝑑) 𝑆𝑋 (𝑑)

𝐹𝑋 (𝑥+𝑑)−𝐹𝑋 (𝑑) 𝑆𝑋 (𝑑)

∞

∞

𝐸[𝑋𝑃 ] = ∫0 𝑥 𝑓𝑋𝑃 (𝑥) 𝑑𝑥 = ∫0 𝑥 [

Sebagai

ilustrasi,

misalkan

As

(9)

, 𝑥>0

(10)

, 𝑥>0 𝑓𝑋 (𝑥+𝑑) ] 𝑑𝑥 𝑆𝑋 (𝑑)

an

=

𝐸[𝑋𝐿 ] 𝑆𝑋 (𝑑)

illustration,

(11)

let

𝑋~𝑙𝑜𝑔𝑛𝑜𝑟𝑚𝑎𝑙 (𝜇 = 6,8; 𝜎 2 = 1,4162)

𝑋 ~ 𝑙𝑜𝑔𝑛𝑜𝑟𝑚𝑎𝑙 (𝜇 = 6.8; 𝜎 2 = 1.4162)

dan 𝑑 = 4000. Dapat dilihat pada Gambar 1

and 𝑑 = 4000. In Figure 1 it is shown that the

bahwa fungsi distribusi dari peubah acak cost

distribution function of the random variable cost

per loss mengalami loncatan di titik nol karena

per loss jumps at point zero, indicating the

adanya massa peluang di titik tersebut. Selain

probability mass at that point. Furthermore, it

itu, dapat dilihat pula bahwa deductible tidak

can seen that a deductible does not make the

menyebabkan liabilitas pihak asuransi dalam

liability of the insurer becomes limited. Unlike

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JUNI 2016

pembayaran klaim menjadi terbatas. Berbeda

that of the random variable cost per loss, the

dari peubah acak cost per loss, fungsi distribusi

distribution function of the random variable cost

dari peubah acak cost per payment tidak

per payment has no jump point.

mengalami loncatan.

. Gambar 1. Grafik perbandingan fungsi distribusi cost per loss dan cost per payment untuk 𝑑 = 4000. Figure 2. Comparisons of the distribution functions of cost per loss and cost per payment random variables for 𝑑 = 4000.

Selanjutnya, untuk memperoleh nilai ekspektasi

Next, the expected value of the random

dari peubah acak cost per loss akan digunakan

variable cost per loss will be determined based

teorema berikut:

on the following theorem.

Teorema 1. Misalkan X~lognormal (μ; σ2 ) ,

Teorema 1. Let 𝑋 ~ 𝑙𝑜𝑔𝑛𝑜𝑟𝑚𝑎𝑙 (𝜇; 𝜎 2 ) ,

maka untuk suatu konstanta positif d

then for a positive constant 𝑑

𝜎2 𝐸[𝑋𝐿 ] = 𝐸[(𝑋 − 𝑑)+ ] = 𝑒𝑥𝑝 (𝜇 + ) [1 − Φ(𝑧 ∗ )] − 𝑑[1 − Φ(𝑧 ∗ + 𝜎)], 2

dengan

where 𝑧∗ =

Dengan

menggunakan

Teorema

ln 𝑑−𝜇 𝜎

− 𝜎..

1,

Using Theorem 1, the expectation of the

diperoleh nilai ekspektasi dari peubah acak cost

cost per loss random variable for several values

per loss untuk beberapa nilai deductible yang

of deductibles may be determined. It can be

berbeda seperti pada Gambar 2. Dapat dilihat

seen in Figure 2 that the greater the value of

bahwa semakin besar nilai deductible, nilai

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JUNI 2016

ekspektasi dari peubah acak cost per loss

the deductible, the smaller the expected value

semakin kecil.

of the cost per loss random variable is.

Gambar 3. Pengaruh deductible terhadap ekspektasi peubah acak cost per loss. Figure 4. The effect of deductibles on the expected values of the cost per loss random variable.

Selain

berpengaruh

pada

severitas

Besides affecting the severity of claims

pembayaran

klaim,

deductible

juga

payment, a deductible also affects the

memengaruhi frekuensi pembayaran klaim.

frequency of claims payment. Suppose 𝑋𝐽

Misalkan 𝑋𝑗 menyatakan ground-up loss dari

represents the ground up loss on the 𝑗 𝑡ℎ loss. If

suatu kejadian kerugian ke-𝑗. Jika 𝑣 didefinsikan

𝑣 is defined as the probability that a loss will

sebagai

result in a payment, under the assumption of a

peluang

bahwa

suatu

kerugian

menyebabkan terjadinya pembayaran klaim,

deductible of 𝑑, then

maka di bawah asumsi deductible sebesar 𝑑, 𝑣 = 𝑃𝑟(𝑋 > 𝑑).

(12)

Notasikan 𝑁𝐿 dan 𝑁𝑃 secara berturut-turut

Denote 𝑁𝐿 and 𝑁𝑃 , respectively, as

sebagai peubah acak yang menyatakan

random variables which define the frequency of

frekuensi kerugian dan frekuensi pembayaran.

losses and the frequency of payments. Define

Definisikan 𝐼𝑗 sebagai peubah acak indikator

the indicator random variable 𝐼𝑗 by 𝐼𝑗 = 1 if

yang bernilai 1 (satu) apabila kerugian ke-𝑗

the𝑗 𝑡ℎ loss results in a payment and 𝐼𝑗 = 0 if

menyebabkan terjadinya pembayaran; dan

the 𝑗 𝑡ℎ loss does not result in a payment. Thus,

bernilai 0 (nol) apabila kerugian ke-𝑗 tidak

𝐼𝑗 ~ 𝐵𝑒𝑟𝑛𝑜𝑢𝑙𝑙𝑖(𝑣) and 𝑁𝑃 may be defined

menyebabkan terjadinya pembayaran. Dengan

as follows

demikian, 𝐼𝑗 ~𝐵𝑒𝑟𝑛𝑜𝑢𝑙𝑙𝑖(𝑣) dan peubah acak 𝑁𝑃 dapat didefinisikan sebagai berikut:

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(13)

𝑁𝑃 = 𝐼1 + ⋯ + 𝐼𝑁𝐿 . Sesuai dengan definisi tersebut, di bawah

Based on this definition, under the following

asumsi

assumptions

1.

𝐼1 , … , 𝐼𝑁𝐿 saling bebas dan identik,

2.

𝑁𝐿 saling bebas dengan 𝐼𝑗 ,

1. 𝐼1 , … , 𝐼𝑁𝐿 are mutually independent and identically distributed, 2.

𝑁𝐿 distributed independently of 𝐼𝑗 ,

𝑁𝑃 dikatakan memiliki distribusi compound.

𝑁𝑃 is said to have a compound distribution.

Distribusi dari peubah acak 𝑁𝐿 disebut

The distribution of the random variable 𝑁𝐿 is

sebagai distribusi primer dan distribusi dari

called the primary distribution, and the

peubah acak 𝐼𝐽 disebut sebagai distribusi

distribution of 𝐼𝐽 is called the secondary

sekunder. Fungsi pembangkit peluang dari

distribution.

peubah

acak

𝑁𝑃

dapat

ditentukan

The

probability

function of random variable 𝑁𝑃

menggunakan persamaan berikut:

generating may be

calculated as follows:

𝑃𝑁𝑃 (𝑡) = 𝐸[𝑡 𝑁𝑃 ] = 𝐸[𝑡 𝐼1 +⋯+𝐼𝑁𝐿 ]

(berdasarkan definisi) (by definition)

= 𝐸 [𝐸[𝑡 𝐼1 +⋯+𝐼𝑁𝐿 |𝑁𝐿 ]]

(menggunakan ekspektasi bersyarat dan kebebasan 𝑁𝐿 dari 𝐼𝑗 )

(using conditional expectation and independence of 𝑁𝐿 and 𝐼𝑗 ) = 𝐸 [[𝐸[𝑡 𝐼𝑗 ]]

𝑁𝐿

] (menggunakan sifat bahwa 𝐼1 , … , 𝐼𝑁𝐿 saling bebas dan berdistribusi identik) (using the fact that 𝐼1 , … , 𝐼𝑁𝐿 are independently and identically distributed)

= 𝑃𝑁𝐿 [𝑃𝐼𝑗 (𝑡)].

(14)

Fungsi pembangit peluang (f.p.p) dari peubah

The probability generating function (p.g.f) of the

acak 𝐼𝑗 adalah

random variable 𝐼𝑗 is 𝑃𝐼𝑗 (𝑡) = 1 + 𝑣(𝑡 − 1),

(15)

such that

sehingga

𝑃𝑁𝑃 (𝑡) = 𝑃𝑁𝐿 [𝑃𝐼𝑗 (𝑡)] = 𝑃𝑁𝐿 [1 + 𝑣(𝑡 − 1)].

(16)

Teorema 2. Misalkan Y merupakan peubah

Theorem 2. Let 𝑌 denotes a random variable

acak yang mengikuti suatu distribusi peluang

with probability function belongs to (a,b,0) class

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pada kelas (a,b,0). Fungsi pembangit peluang

of distributions. The p.g.f of 𝑌 can be written as

(f.p.p) dari peubah acak Y dapat dituliskan dalam

follows

bentuk berikut 𝑃𝑌 (𝑡|𝛽) = 𝑄𝑌 [𝛽(𝑡 − 1)],

(17)

dengan β adalah parameter dari Y dan QY (. )

where 𝛽 is a parameter of 𝑌 and 𝑄𝑋 (. ) is a

adalah fungsi dari β(t − 1).

function of 𝛽(𝑡 − 1) only.

Teorema 2 menunjukkan bahwa menambah,

Theorem 2 shows that adding, deleting, or

mengurangi,

peluang

modifying the probability at zero in the

distribusi sekunder pada nilai nol setara dengan

secondary distribution is equivalent to modifying

mengubah parameter 𝛽 yang merupakan

the parameter 𝛽 of the primary distribution.

parameter dari distribusi primer. Berdasarkan

Based on Theorem 2, if the random variable 𝑁𝐿

Teorema 2, apabila 𝑁𝐿 berdistribusi kelas

has a probability function belongs to a (a,b,0)

(a,b,0), maka

class of distributions, then

atau

memodifikasi

(18)

𝑃𝑁𝐿 (𝑡|𝛽) = 𝑄𝑁𝐿 [𝛽(𝑡 − 1)].

Dengan demikian f.p.p dari peubah acak 𝑁𝑃

Consequently, the p.g.f of random variable 𝑁𝑃

dapat dituliskan sebagai berikut

can be written as follows

𝑃𝑁𝑃 (𝑡) = 𝑃𝑁𝐿 [1 + 𝑣(𝑡 − 1)] = 𝑄𝑁𝐿 [𝛽(1 + 𝑣(𝑡 − 1) − 1)] = 𝑄𝑁𝐿 [𝛽𝑣(𝑡 − 1)].

(19)

Persamaan 18 dan 19 menunjukkan bahwa 𝑁𝑃

Equations 18 and 19 imply that 𝑁𝑃 and 𝑁𝐿 are

dan 𝑁𝐿 berada pada keluarga distribusi yang

both from the same parametric family of

sama, sehingga hanya diperlukan penyesuaian

distributions,

parameter, yaitu

adjustment is needed: 𝛽 ∗ = 𝛽𝑣.

such

that

only

parameter

(20)

Dalam praktik, dapat saja terjadi modifikasi

In practice, it is posibble that certain

pada peluang frekuensi klaim bernilai nol.

modification of probability at zero for claims

Dengan kata lain, 𝑃𝑟(𝑁𝐿 = 0) = 0 (zero

frequency is required. In other words, 𝑃𝑟(𝑁𝐿 =

modified)

(zero

0) = 0 (zero truncated) or 𝑃𝑟(𝑁𝐿 = 0) > 0

truncated). Apabila hal ini terjadi, maka distribusi

(zero modified). Under this modification, the

peluang tersebut termasuk ke dalam kelas

probability distribution is said to be a member of

(a,b,1). Definisi dari distribusi kelas (a,b,1) dapat

the (a,b,1) class of distributions. The definition

atau

𝑃𝑟(𝑁𝐿 = 0) > 0

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dilihat pada Klugman dkk (edisi 3, Tahun 2008)

of (a,b,1) class of distributions may be found in

pada Halaman 121. Penyesuaian parameter

Klugman et.al (3rd edition, 2008) page 121. The

atau Frequency adjustment untuk beberapa

following

distribusi 𝑁𝐿 yang termasuk dalam kelas (a,b,0)

adjustments for several distributions of 𝑁𝐿

dan (a,b,1) dapat dilihat pada tabel berikut:

which belong to (a,b,1) or (a,b,0) classes:

table

shows

the

frequency

Tabel 1. Penyesuaian Parameter. Table 2. Frequency adjustment.

𝑵𝑳 distribution

Parameters for 𝑵𝑷

Poisson

𝜆∗ = 𝑣𝜆

Zero Modified Poisson

𝑝0𝑀∗ = 𝑝0𝑀 − 𝑒 −𝜆 + 𝑒 −𝑣𝜆 − 𝑝0𝑀 𝑒 −𝑣𝜆 ∗ , 𝜆 = 𝑣𝜆 1 − 𝑒 −𝜆

Binomial

𝑞 ∗ = 𝑣𝑞

Zero Modified Binomial

𝑝0𝑀∗

𝑝0𝑀 − (1 − 𝑞)𝑚 + (1 − 𝑣𝑞)𝑚 − 𝑝0𝑀 (1 − 𝑣𝑞)𝑚 ∗ = , 𝑞 = 𝑣𝑞 1 − (1 − 𝑞)𝑚

Negative Binomial Zero Modified Negative Binomial Zero Modified Logarithmic

𝛽 ∗ = 𝑣𝛽, 𝑟 ∗ = 𝑟 𝑝0𝑀∗ =

𝑝0𝑀 − (1 + 𝛽)−𝑟 + (1 + 𝑣𝛽)−𝑟 − 𝑝0𝑀 (1 + 𝑣𝛽)−𝑟 ∗ , 𝛽 = 𝑣𝛽, 𝑟 ∗ = 𝑟 1 − (1 + 𝛽)−𝑟

𝑝0𝑀∗ = 1 − (1 − 𝑝0𝑀 )

ln(1 + 𝑣𝛽) ∗ , 𝛽 = 𝑣𝛽 ln(1 + 𝛽)

Sumber: Klugman, S.A., Panjer, H. H., and Wilmot, G. E. (2008). Loss Models : From Data to Decisions. Third edition. Halaman 195.

Referensi 1. Klugman, S.A., Panjer, H. H., and Wilmot, G. E. (2008). Loss Models : From Data to Decisions. Third edition. John Wiley and Sons Publication. 2. Tse, Y. (2009). Nonlife Actuarial Models Theory : Methods and Evaluation. United States of America : Cambridge University Press.

21



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Ulasan Asuransi / Insurance Commentary

Gempabumi yang Mengubah Earthquake that change

Selama kurun waktu 2004 sampai dengan

During the period 2004 until 2016, there were

2016, tercatat terdapat beberapa gempabumi

several earthquakes that recorded with large

dengan dampak besar. Namun perlukah

impact. Is it necessary issued temporary policy to

mengambil kebijakan sementara untuk tidak

exclude the area that affected by the earthquake

melakukan penutupan pada daerah terdampak

after the incident? In previous Insurance

pasca kejadian gempabumi? Pada Ulasan

Commentary

Asuransi

Ulasan

Commentary: The penetration of Earthquake

Gempabumi

insurance in Indonesia - The Role of Insurance

sebelumnya

Asuransi: Penetrasi Indonesia

-

(MAIPARK, Asuransi

Peranan

Industri

(MAIPARK,

Insurance

Asuransi

Industry in protecting the Earthquake Prone Areas

Melindungi Area Rawan Gempa (Jakarta:

(Jakarta: Indonesian Earthquake Insurance

Laporan Statistik Asuransi Gempa Bumi

Statistic as at 31 December 2015, 2015), page

Indonesia per 31 Desember 2015, 2015), hlm 29-

29-33), described that after events, the

33), telah dipaparkan bahwa pasca kejadian,

earthquake insurance coverage is increasing

kecenderungan penutupan asuransi gempabumi

from year to year.

semakin meningkat dari tahun ketahun. If it is associated with number of claims, what

Jika dikaitkan dengan jumlah klaim, pada terimbas

is the most affected occupacy by the earthquakes

gempabumi dengan dampak besar dan hal-hal

with large impact and what does changed? It can

apakah yang mengalami perubahan? Pada

be seen below that Commercial Occupacy

beberapa kejadian gempabumi dengan dampak

experienced the greatest impact to some

besar di bawah ini dapat dilihat bahwa okupasi

earthquake with large impact. Especially for

yang mengalami dampak terbesar adalah

Padang Earthquake, Residential Occupacy also

okupasi Komersial. Sedangkan khusus untuk

experience the greatest impact besides the

Gempabumi Padang, Okupasi yang mengalami

Commercial Occupacy.

okupasi

apakah

paling

banyak

dampak terbesar selain Komersial adalah Residensial.

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JUNI 2016

Kecenderungan

yang

terjadi

pasca

Propensity after the earthquake with great

gempabumi dengan dampak besar adalah

impact i.e. increasing number of risks by

adanya peningkatan jumlah risiko yang ditutup

occupacy (commercial and residential) which

pada okupasi tersebut ditahun setelahnya.

write in the year thereafter. But for the Aceh

Namun untuk Gempabumi Aceh, peningkatan

Earthquake, significant increase occurred two

signifikan terjadi setelah 2 tahun pasca event

years after the event.

tersebut. Terkait peningkatan penutupan risiko

Related to significant increase on the write of

gempabumi yang signifikan setelah kejadian,

earthquake risks after the event, especially for the

khusus untuk gempabumi Aceh memiliki

Aceh Earthquake have a little diference, this can

sedikit perbedaan, hal ini dapat diakibatkan

be caused by delays in the process of

terhambatnya

dan

rehabilitation and reconstruction so that the

rekonstruksi sehingga jumlah risiko yang

number of the insured risk is not yet maximized.

diasuransikan belum maksimal. Lamanya

The

proses rehabilitasi dan rekonstruksi ini dapat

reconstruction process can be caused by the

diakibatkan karena faktor berikut:

following factors:

1. Lumpuhnya Pemerintahan Daerah.

1. Local government paralzed.

2. Tidak adanya Logistik.

2. Lack of logistics.

3. Alutsista TNI sangat kurang, akibat

3. Indonesian Nasional Army “Alutsista” very less,

proses

rehabilitasi

embargo & sanksi.

the

rehabilitation

and

4. The armed conflict with GAM is still ongoing.

berlangsung. penolakan

of

due to the embargo and sanctions.

4. Konflik bersenjata dengan GAM masih 5. Ada

duration

5. There is a rejection of international terhadap

bantuan

assistance, including military.

internasional, termasuk militernya.

6. The Disaster Management Agency (Badan

6. Badan penanggulangan bencana belum

Penanggulangan Bencana) has not yet

terbentuk.

formed.

7. Undang-Undang penanggulangan bencana

7. Disaster Management Act no.

belum ada.

8. State Budget for 2004 is not available for the

8. Anggaran APBN 2004 tidak tersedia untuk

tsunami emergency response in Aceh and

tanggap darurat tsunami Aceh dan Nias.

Nias. (source:http://news.detik.com/berita/2787842/catatan-

(sumber:

sby-soal-persoalan-pelik-dalam-penanganan-pasca-tsunami-

http://news.detik.com/berita/2787842/catatan-

sby-soal-persoalan-pelik-dalam-penanganan-pasca-

aceh).

tsunami-aceh).

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JUNI 2016

Bangsa dan pemerintah Indonesia tentunya

The nation and the Indonesian government

telah sejak lama memahami posisi geografis,

have understood the Indonesia geographical

geologis, hidrologis, dan demografis Indonesia

position,

yang rentan terhadap bencana. Semenjak

demographic are prone to disaster. Since the

Gempabumi Aceh 2004 dan bencana lain

Aceh Earthquake 2004 and other disaster

setelahnya, Pemerintah telah mengundangkan

thereafter, the Government has enacted Law No.

Undang-Undang Nomor 24 Tahun 2007

24 of 2007 as an umbrella law on disaster

sebagai

dalam

management and establishing the Disaster

dasar

Management Agency at central and local levels

Penanggulangan

and budget allocations. Some of these changes

Bencana di tingkat pusat dan daerah serta

may support the growing number of earthquake

alokasi anggaran. Beberapa perubahan inilah

insurance risk. Mari Ber(ikan)asuransi.

payung

penanggulangan pembentukan

hukum

bencana Badan

dan

geological,

hydrological

and

yang dapat mendukung peningkatan jumlah risiko

asuransi

gempabumi.

Mari

Ber(ikan)asuransi.

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Gambar??. Grafik Persentase Jumlah Klaim dan peningkatan Persentase Penutupan Berdasar Jumlah Risiko Okupasi Komersial setelah kejadian Gempa Aceh 26 Desember 2004. Picture??. Number of Risk Percentage Chart on Claim and increasing insurance write for commercial occupacy after Aceh Earthquake 26 December 2004.

Gambar??. Grafik Persentase Jumlah Klaim dan peningkatan Persentase Penutupan Berdasar Jumlah Risiko Okupasi Komersial setelah kejadian Gempa Yogya 27 Mei 2007. Picture??. Number of Risk Percentage Chart on Claim and increasing insurance write for commercial occupacy after Yogya Earthquake 27 Mei 2007.

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Gambar ??. Grafik Persentase Jumlah Klaim dan peningkatan Persentase Penutupan Berdasar Jumlah Risiko Okupasi Komersial setelah kejadian Gempa Bengkulu 12 September 2007. Picture ??. Number of Risk Percentage Chart on Claim and increasing insurance write for commercial occupacy after Bengkulu Earthquake 12 September 2007.

Gambar??. Grafik Persentase Jumlah Klaim dan peningkatan Persentase Penutupan Berdasar Jumlah Risiko Okupasi Komersial dan Residensial setelah kejadian Gempa Padang 30 September 2009. Picture ??. Number of Risk Percentage Chart on Claim and increasing insurance write for commercial and residential occupacy after Padang Earthquake 30 September 2009.

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Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2016, per 30 Juni 2016

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

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Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2016


28



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Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2016, per 30 Juni 2016 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2016


29



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National Aggregate Exposure By Cresta Zone As At 30/06/2016 Tab le 2.1

in IDR U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

U/Y 2016

Cresta Zone Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

BANDA ACEH

1.1

3,887,973,784,587.20

0.20

4,631,184,023,255.03

0.17

6,475,407,234,598.72

0.21

6,141,601,804,000.44

0.17

308,707,705,986.40

0.04

MEDAN

1.2

39,930,432,753,351.10

2.02

48,019,992,924,050.20

1.74

52,110,368,958,437.30

1.67

63,889,296,581,726.00

1.80

16,924,429,258,172.10

2.33

OTHERS

1.3

39,955,150,550,405.30

2.02

49,698,131,924,414.50

1.80

58,517,015,258,588.10

1.87

73,669,154,188,693.50

2.08

7,107,360,161,794.93

0.98

NORTH SUMATERA

1

83,773,557,088,343.60

4.24

102,349,308,871,720.00

3.71

117,102,791,451,624.00

3.74

143,700,052,574,420.00

4.05

24,340,497,125,953.40

3.35

PADANG

2.1

19,055,410,642,420.70

0.97

27,224,177,532,224.50

0.99

30,371,967,358,753.50

0.97

36,655,158,022,094.80

1.03

4,763,490,870,436.16

0.65

PALEMBANG

2.2

19,002,600,284,678.90

0.96

23,230,068,194,777.00

0.84

21,554,336,242,458.30

0.69

33,798,674,812,124.20

0.95

3,123,401,714,595.80

0.43

OTHERS

2.3

134,587,644,567,246.00

6.82

150,917,658,041,520.00

5.47

201,166,817,295,695.00

6.43

291,161,279,894,249.00

8.21

55,910,532,833,841.20

7.68

SOUTH SUMATERA

2

172,645,655,494,345.00

8.74

201,371,903,768,522.00

7.30

253,093,120,896,907.00

8.09

361,615,112,728,468.00

10.19

63,797,425,418,873.20

8.77

JAKARTA

3.1

400,177,640,620,151.00

20.27

435,498,377,729,793.00

15.79

658,917,880,791,553.00

21.06

603,665,395,916,498.00

17.01

127,948,814,292,811.00

17.59

BANDUNG

3.2

11,047,671,688,987.80

0.56

10,570,455,885,753.00

0.38

11,893,458,933,650.00

0.38

15,986,486,875,449.30

0.45

4,051,668,042,362.95

0.56

OTHERS

3.3

662,621,262,221,902.00

33.56

987,768,369,777,405.00

35.81

1,133,077,727,588,530.00

36.22

978,294,317,135,281.00

27.57

291,510,816,814,857.00

40.07

WEST JAVA

3

1,073,846,574,531,040.00

54.39

1,433,837,203,392,950.00

51.98

1,803,889,067,313,730.00

57.66

1,597,946,199,927,230.00

45.03

423,511,299,150,032.00

58.21

SEMARANG

4.1

7,152,358,175,509.66

0.36

8,898,713,851,285.73

0.32

8,625,538,080,025.90

0.28

13,098,483,886,134.10

0.37

1,895,364,569,546.20

0.26

YOGYAKARTA

4.2

9,305,354,884,895.54

0.47

8,573,422,953,780.61

0.31

14,163,785,910,344.90

0.45

395,664,005,102,035.00

11.15

2,978,693,218,571.78

0.41

OTHERS

4.3

102,787,042,600,585.00

5.21

136,817,917,431,266.00

4.96

151,207,217,056,487.00

4.83

174,512,888,913,458.00

4.92

44,802,121,744,416.20

6.16

CENTRAL JAVA

4

119,244,755,660,990.00

6.04

154,290,054,236,332.00

5.59

173,996,541,046,858.00

5.56

583,275,377,901,628.00

16.44

49,676,179,532,534.20

6.83

SURABAYA

5.1

51,275,273,090,249.70

2.60

134,246,529,078,293.00

4.87

76,850,867,284,379.20

2.46

72,071,237,723,636.00

2.03

17,568,877,420,245.30

2.41

OTHERS

5.2

242,017,361,804,202.00

12.26

233,182,071,594,038.00

8.45

340,158,955,158,059.00

10.87

352,639,211,942,010.00

9.94

62,420,837,529,183.90

8.58

EAST JAVA

5

293,292,634,894,452.00

14.86

367,428,600,672,331.00

13.32

417,009,822,442,438.00

13.33

424,710,449,665,646.00

11.97

79,989,714,949,429.20

10.99

KALIMANTAN

6

101,470,729,177,791.00

5.14

128,384,392,940,167.00

4.65

142,879,365,910,800.00

4.57

158,061,990,536,773.00

4.45

35,559,627,143,738.70

4.89

UJUNG PANDANG

7.1

10,444,854,149,882.30

0.53

14,118,612,393,835.50

0.51

24,311,146,578,168.80

0.78

19,283,668,388,191.90

0.54

3,918,262,910,018.42

0.54

OTHERS

7.2

54,000,807,954,031.10

2.74

39,288,281,762,787.70

1.42

99,234,279,627,988.20

3.17

134,217,142,489,941.00

3.78

12,441,738,251,813.70

1.71

SULAWESI

7

64,445,662,103,913.30

3.26

53,406,894,156,623.20

1.94

123,545,426,206,157.00

3.95

153,500,810,878,133.00

4.33

16,360,001,161,832.10

2.25

OTHER ISLANDS

8

65,589,745,726,182.70

3.32

317,201,596,012,869.00

11.50

96,893,588,579,564.60

3.10

125,612,350,226,111.00

3.54

34,340,741,542,127.20

4.72

1,974,309,314,677,060.00

100.00

2,758,269,954,051,520.00

100.00

3,128,409,723,848,080.00

100.00

3,548,422,344,438,400.00

100.00

727,575,486,024,519.00

100.00

T OT AL

30



JUNI 2016

National Aggregate Exposure By Cresta Zone As at 30 June 2016 (In Billion IDR)

North Sumatera

East Java

South Sumatera

160,000,000.00

400,000,000.00

140,000,000.00

350,000,000.00

120,000,000.00

300,000,000.00

100,000,000.00

250,000,000.00

80,000,000.00

200,000,000.00

60,000,000.00

150,000,000.00

40,000,000.00

100,000,000.00

20,000,000.00

50,000,000.00

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 -

-

-

DKI & West Java 2,000,000,000.00

DIY & Central Java

500,000,000.00 400,000,000.00

300,000,000.00 200,000,000.00

500,000,000.00

100,000,000.00

-

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

350,000,000.00

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 -

600,000,000.00

1,000,000,000.00

Other Islands

Kalimantan

700,000,000.00

1,500,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Sulawesi 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 -

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

31

300,000,000.00

250,000,000.00 200,000,000.00 150,000,000.00 100,000,000.00

50,000,000.00 UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016



JUNI 2016

National Aggregate Exposure By Occupation As At 30/06/2016 in IDR

Tab le 2.2

U/Y 2012

Occupation

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

U/Y 2016 %

Amount

%

AGRICULTURAL

A

23,543,592,772,030.10

1.19

25,959,872,979,597.60

0.94

22,680,577,973,934.20

0.72

24,272,759,308,636.30

0.68

4,284,400,692,502.40

0.59

COMMERCIAL

C

458,553,032,623,053.00

23.23

997,263,063,430,009.00

36.16

745,326,562,404,427.00

23.82

1,156,994,601,212,960.00

32.61

185,061,294,025,596.00

25.44

INDUSTRIAL

I

1,261,133,480,936,090.00

63.88

1,417,513,943,627,160.00

51.39

1,975,030,012,455,890.00

63.13

2,001,960,758,686,080.00

56.42

442,466,471,907,245.00

60.81

RESIDENTIAL

R

T OT AL

231,079,208,345,890.00

11.70

317,533,074,014,750.00

11.51

385,372,571,013,830.00

12.32

365,194,225,230,728.00

10.29

95,763,319,399,175.90

13.16

1,974,309,314,677,060.00

100.00

2,758,269,954,051,520.00

100.00

3,128,409,723,848,080.00

100.00

3,548,422,344,438,400.00

100.00

727,575,486,024,520.00

100.00

32



JUNI 2016

National Aggregate Exposure By Occupation As at 30 June 2016 ( In Billion IDR )

Industrial

Agricultural 30,000,000.00

2,500,000,000.00

25,000,000.00

2,000,000,000.00

20,000,000.00

1,500,000,000.00

15,000,000.00

1,000,000,000.00 10,000,000.00 500,000,000.00

5,000,000.00

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2016

Commercial

Residential

1,200,000,000.00

450,000,000.00 400,000,000.00

1,000,000,000.00

350,000,000.00

800,000,000.00

300,000,000.00 250,000,000.00

600,000,000.00

200,000,000.00

400,000,000.00

150,000,000.00 100,000,000.00

200,000,000.00

50,000,000.00

-

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012

33

UY 2013

UY 2014

UY 2015

UY 2016



JUNI 2016

National Aggregate Exposure By Interest As At 30/06/2016 Table 2.3

Interest

In IDR

U/Y 2012 Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

U/Y 2016 %

Amount

%

Building

804,253,454,182,134.00

40.74

1,048,103,719,961,540.00

38.00

1,292,872,858,709,670.00

41.33

1,817,260,998,372,110.00

51.21

311,030,690,785,728.00

42.75

Machinery

395,827,439,843,955.00

20.05

452,114,423,176,479.00

16.39

603,327,688,741,980.00

19.29

632,515,082,207,583.00

17.83

140,214,354,980,716.00

19.27

Others

309,558,014,684,274.00

15.68

474,256,768,018,844.00

17.19

399,655,358,197,548.00

12.78

401,371,613,924,003.00

11.31

110,945,132,728,311.00

15.25

Stock

281,044,029,821,749.00

14.24

337,440,100,164,406.00

12.23

539,847,067,624,635.00

17.26

413,383,614,205,751.00

11.65

93,140,194,609,538.00

12.80

Bussiness Interruption

183,626,376,144,946.00

9.30

446,354,942,730,248.00

16.18

292,706,750,574,244.00

9.36

283,891,035,728,962.00

8.00

72,245,112,920,226.90

9.93

1,974,309,314,677,060.00

100.00

2,758,269,954,051,520.00

100.00

3,128,409,723,848,080.00

100.00

3,548,422,344,438,400.00

100.00

727,575,486,024,520.00

100.00

T OT AL

34



JUNI 2016

National Aggregate Exposure By Interest As at 30 June 2016 ( In Billion IDR )

Building

Stock

2,000,000,000.00 1,800,000,000.00 1,600,000,000.00 1,400,000,000.00 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 -

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 UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

Business Interruption

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Others

Machinery 700,000,000.00

600,000,000.00

600,000,000.00

500,000,000.00

500,000,000.00

400,000,000.00

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 UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

400,000,000.00 300,000,000.00 300,000,000.00

200,000,000.00

200,000,000.00

100,000,000.00

100,000,000.00

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

35



JUNI 2016

National Aggregate Exposure By Province As At 30/06/2016 Table 2.4 In IDR Province

Cresta ID

U/Y 2012 Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

U/Y 2016 %

Amount

%

01. NAD

IDN_AC

8,330,895,104,607.12

0.42

9,115,117,293,870.24

0.33

10,810,796,944,788.80

0.35

14,404,824,282,123.70

0.41

2,133,410,954,207.05

0.29

02. SUMATERA UTARA

IDN_SU

75,442,661,983,736.50

3.82

93,234,191,577,849.50

3.38

106,291,994,506,835.00

3.40

129,295,228,292,296.00

3.64

22,207,086,171,746.30

3.05

03. SUMATERA BARAT

IDN_SB

27,133,363,706,752.40

1.37

37,408,675,643,449.00

1.36

41,844,559,004,614.60

1.34

49,291,429,456,060.70

1.39

6,471,087,738,551.61

0.89

04. RIAU

IDN_RI

33,319,463,443,743.90

1.69

48,616,295,888,536.50

1.76

59,039,144,113,315.80

1.89

130,343,092,784,937.00

3.67

13,800,995,109,011.40

1.90

05. JAMBI

IDN_JA

11,004,536,229,073.80

0.56

11,023,626,175,121.30

0.40

12,135,295,796,438.10

0.39

13,347,780,061,572.20

0.38

1,808,595,641,751.77

0.25

06. SUMATERA SELATAN

IDN_SS

40,908,911,211,970.40

2.07

40,741,056,029,464.90

1.48

50,090,555,053,868.40

1.60

66,870,441,181,208.50

1.88

6,141,582,382,227.57

0.84

07. BENGKULU

IDN_BE

4,460,385,210,968.84

0.23

4,907,450,466,451.64

0.18

5,727,026,773,036.30

0.18

4,836,051,236,717.56

0.14

1,055,065,311,955.32

0.15

08. LAMPUNG

IDN_LA

28,324,556,957,773.60

1.43

26,872,315,851,936.00

0.97

39,153,517,104,913.10

1.25

46,430,449,559,802.80

1.31

15,786,592,179,170.60

2.17

09. KEP BANGKA-BELITUNG

IDN_BB

3,776,611,255,319.56

0.19

4,513,635,596,734.47

0.16

6,140,760,416,290.51

0.20

6,598,027,645,730.98

0.19

709,788,562,531.02

0.10

10. KEPULAUAN RIAU

IDN_KR

23,717,827,478,743.10

1.20

27,288,848,116,828.10

0.99

38,962,262,634,430.30

1.25

43,897,840,802,438.20

1.24

18,023,718,493,673.90

2.48

11. JAKARTA

IDN_JK

400,177,640,620,151.00

20.27

435,498,377,729,793.00

15.79

658,917,880,791,553.00

21.06

603,665,395,916,498.00

17.01

127,948,814,292,811.00

17.59

12. JAWA BARAT

IDN_JB

456,402,985,831,360.00

23.12

716,897,849,502,064.00

25.99

792,019,285,433,894.00

25.32

676,496,161,300,846.00

19.06

196,562,880,018,594.00

27.02

13. JAWA TENGAH

IDN_JT

107,599,540,093,588.00

5.45

142,775,561,062,354.00

5.18

152,245,632,818,042.00

4.87

183,731,200,618,310.00

5.18

45,540,135,508,456.10

6.26

14. DIY

IDN_YO

11,645,215,567,402.70

0.59

11,514,493,173,978.70

0.42

21,750,908,228,816.40

0.70

399,544,177,283,318.00

11.26

4,136,044,024,078.07

0.57

15. JAWA TIMUR

IDN_JI

293,292,634,894,452.00

14.86

367,428,600,672,331.00

13.32

417,009,822,442,438.00

13.33

424,710,449,665,646.00

11.97

79,989,714,949,429.20

10.99

16. BANTEN

IDN_BT

217,265,948,079,530.00

11.00

281,440,976,161,095.00

10.20

352,951,901,088,285.00

11.28

317,784,642,709,884.00

8.96

98,999,604,838,626.60

13.61

17. BALI

IDN_BA

50,307,484,051,839.30

2.55

301,864,798,240,497.00

10.94

74,035,710,292,761.40

2.37

98,088,831,940,924.60

2.76

27,103,787,246,733.00

3.73

18. NUSA TENGGARA BARAT IDN_NB

3,872,366,415,500.33

0.20

4,538,280,637,473.73

0.16

8,214,426,948,563.84

0.26

8,685,469,646,549.46

0.24

2,155,144,951,750.88

0.30

19. NUSA TENGGARA TIMUR

IDN_NT

2,139,957,825,720.15

0.11

1,785,490,948,774.98

0.06

2,570,872,260,581.01

0.08

3,059,676,570,048.89

0.09

472,373,766,401.83

0.06

20. KALIMANTAN BARAT

IDN_KB

6,322,259,558,617.00

0.32

8,017,177,165,884.02

0.29

13,327,127,449,506.20

0.43

11,685,803,975,370.80

0.33

1,506,234,031,634.04

0.21

21. KALIMANTAN TENGAH

IDN_KT

11,800,058,892,551.60

0.60

17,179,626,505,757.70

0.62

23,794,008,903,213.00

0.76

26,982,622,767,472.50

0.76

1,252,718,556,190.84

0.17

22. KALIMANTAN SELATAN

IDN_KS

14,661,265,575,615.70

0.74

37,224,639,834,420.90

1.35

32,840,961,867,321.30

1.05

36,973,230,366,363.30

1.04

10,065,382,790,485.60

1.38

23. KALIMANTAN TIMUR

IDN_KI

68,687,145,151,006.50

3.48

65,962,949,434,104.60

2.39

72,922,396,690,759.90

2.33

81,614,202,757,818.50

2.30

21,841,821,801,356.50

3.00

24. SULAWESI UTARA

IDN_SA

11,251,956,214,549.50

0.57

16,537,718,338,746.10

0.60

15,997,680,972,442.90

0.51

18,179,266,869,301.80

0.51

3,452,501,472,827.63

0.47

25. SULAWESI TENGAH

IDN_ST

2,137,386,276,386.25

0.11

4,299,959,759,307.53

0.16

3,848,534,873,989.42

0.12

8,240,704,815,819.12

0.23

1,811,404,691,538.95

0.25

26. SULAWESI SELATAN

IDN_SN

26,808,326,792,795.70

1.36

27,614,123,309,509.10

1.00

93,647,146,280,532.70

2.99

104,737,113,089,608.00

2.95

9,242,954,434,661.20

1.27

27. SULAWESI TENGGARA

IDN_SG

9,055,150,591,377.57

0.46

1,532,900,623,593.63

0.06

4,278,354,002,317.50

0.14

16,500,053,744,979.20

0.46

1,089,570,149,491.65

0.15

28. GORONTALO

IDN_GO

14,073,410,601,299.70

0.71

2,135,292,082,312.58

0.08

2,742,222,995,389.40

0.09

2,672,213,830,619.12

0.08

365,491,481,968.07

0.05

29. SULAWESI BARAT

IDN_SR

1,119,431,627,504.72

0.06

1,286,900,043,154.22

0.05

3,031,487,081,485.09

0.10

3,171,458,527,805.18

0.09

398,078,931,344.58

0.05

30. MALUKU

IDN_MA

1,327,598,149,671.43

0.07

1,909,832,567,995.64

0.07

2,560,734,786,547.66

0.08

2,832,110,722,344.72

0.08

1,013,321,838,624.36

0.14

31. MALUKU UTARA

IDN_MU

805,164,815,352.22

0.04

576,028,585,138.84

0.02

996,579,046,347.49

0.03

1,515,252,075,112.12

0.04

330,283,738,836.76

0.05

32. PAPUA BARAT

IDN_PB

3,465,126,538,532.94

0.18

2,613,581,243,092.17

0.09

2,880,973,709,319.36

0.09

3,929,492,625,062.38

0.11

580,356,611,847.23

0.08

33. PAPUA

IDN_PA

3,672,047,929,566.26

0.19

3,913,583,789,896.27

0.14

5,634,291,535,443.88

0.18

7,501,516,646,068.73

0.21

2,685,473,387,933.19

0.37

34. KALIMANTAN UTARA

IDN_KU

0.00

0.00

0.00

0.00

-5,129,000,000.00

0.00

806,130,669,747.37

0.02

893,469,964,071.76

0.12

1,974,309,314,677,060.00

100.00

2,758,269,954,051,520.00

100.00

3,128,409,723,848,080.00

100.00

3,548,422,344,438,410.00

100.00

727,575,486,024,519.00

100.00

T OT AL

36



JUNI 2016

National Aggregate Exposure By Class Construction As At 30/06/2016 Table 2.5

Class Construction

In IDR

U/Y 2012 Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

U/Y 2015 %

Amount

U/Y 2016 %

Amount

%

Com: Steel‎, ‎Wood‎, ‎RC‎‎≤‎‎‎9 ‎s toreys

1,739,527,939,566,750.00

88.11

2,541,715,092,338,810.00

92.15

2,808,134,900,632,280.00

89.76

3,146,310,687,109,130.00

88.67

641,964,886,389,020.00

88.23

Com: Steel‎, ‎Wood‎, ‎RC‎‎> ‎9 ‎s toreys

194,626,317,263,428.00

9.86

176,216,578,520,602.00

6.39

263,785,998,439,370.00

8.43

347,120,974,293,335.00

9.78

66,173,824,453,029.50

9.10

5,130,184,640,992.94

0.26

4,717,455,319,853.24

0.17

1,469,117,485,416.91

0.05

2,481,945,871,472.95

0.07

26,620,640,235.00

0.00

34,953,829,564,810.70

1.77

35,581,547,742,857.50

1.29

54,905,503,646,963.20

1.76

52,470,272,783,559.20

1.48

19,398,659,642,234.60

2.67

71,043,641,075.00

0.00

39,280,129,388.00

0.00

114,203,644,055.00

0.00

38,464,380,910.00

0.00

11,494,900,000.00

0.00

1,974,309,314,677,060.00

100.00

2,758,269,954,051,520.00

100.00

3,128,409,723,848,080.00

100.00

3,548,422,344,438,400.00

100.00

727,575,486,024,519.00

100.00

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

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

37



JUNI 2016

National Aggregate Exposure By Class Construction As at 30 June 2016 (in Billion IDR)

Com: Steel‎, ‎Wood‎, ‎RC‎‎≤ ‎9 ‎storeys

Com: Others

3,500,000,000.00

6,000,000.00

3,000,000,000.00

5,000,000.00

2,500,000,000.00

4,000,000.00

2,000,000,000.00

3,000,000.00

1,500,000,000.00

DW: ‎Others

2,000,000.00

1,000,000,000.00

120,000.00

1,000,000.00

500,000,000.00 -

100,000.00

-

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

80,000.00

60,000.00

Com: Steel‎, ‎Wood‎, ‎RC‎‎> ‎9 ‎storeys 400,000,000.00

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎storeys

40,000.00

60,000,000.00

350,000,000.00

20,000.00

50,000,000.00

300,000,000.00

-

40,000,000.00

250,000,000.00 200,000,000.00

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

30,000,000.00

150,000,000.00

20,000,000.00

100,000,000.00 10,000,000.00

50,000,000.00

-

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012

UY 2013

38

UY 2014

UY 2015

UY 2016



JUNI 2016

National Gross Premium By Cresta Zone As At 30/06/2016 Tab el 3.1

dalam Rupiah U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

U/Y 2016

Cresta Zone Jumlah

%

Jumlah

%

Jumlah

%

Jumlah

%

Jumlah

%

BANDA ACEH

1.1

7,358,293,470.29

0.27

8,793,701,049.39

0.19

13,175,727,569.19

0.26

11,785,599,285.02

0.23

582,199,018.41

0.06

MEDAN

1.2

49,827,911,349.22

1.83

65,223,188,467.82

1.44

72,239,187,422.85

1.45

97,225,437,051.47

1.87

24,267,967,170.29

2.62

OTHERS

1.3

52,403,810,973.16

1.93

76,015,361,701.04

1.68

94,567,523,054.24

1.90

126,734,201,855.26

2.44

11,551,033,182.44

1.25

NORTH SUMATERA

1

109,590,015,792.67

4.03

150,032,251,218.25

3.31

179,982,438,046.28

3.61

235,745,238,191.75

4.55

36,401,199,371.14

3.93

PADANG

2.1

35,946,417,129.86

1.32

52,486,316,668.76

1.16

58,718,139,431.00

1.18

70,819,531,809.72

1.37

8,736,272,197.04

0.94

PALEMBANG

2.2

17,787,082,345.65

0.65

24,543,573,931.00

0.54

23,252,717,000.77

0.47

36,572,926,437.13

0.71

3,150,570,456.83

0.34

OTHERS

2.3

156,352,267,409.20

5.75

195,095,364,770.60

4.31

264,930,167,745.64

5.32

407,664,855,919.00

7.86

65,113,224,566.56

7.04

SOUTH SUMATERA

2

210,085,766,884.71

7.72

272,125,255,370.36

6.01

346,901,024,177.41

6.96

515,057,314,165.85

9.93

77,000,067,220.43

8.32

JAKARTA

3.1

600,168,864,300.49

22.05

701,981,021,509.03

15.50

1,073,263,352,012.98

21.54

951,905,134,288.47

18.35

186,487,644,888.00

20.16

BANDUNG

3.2

16,558,379,845.44

0.61

16,529,374,668.67

0.36

19,254,064,602.35

0.39

28,163,366,145.05

0.54

7,670,076,939.60

0.83

OTHERS

3.3

967,810,413,315.05

35.56

1,693,953,972,756.56

37.40

2,013,038,160,095.69

40.41

1,467,153,062,779.34

28.29

373,233,139,047.43

40.34

WEST JAVA

3

1,584,537,657,460.98

58.23

2,412,464,368,934.26

53.26

3,105,555,576,711.02

62.33

2,447,221,563,212.86

47.19

567,390,860,875.03

61.32

SEMARANG

4.1

8,914,059,462.70

0.33

11,848,913,643.96

0.26

12,202,049,078.47

0.24

15,651,806,441.84

0.30

1,944,263,732.23

0.21

YOGYAKARTA

4.2

14,164,989,798.35

0.52

13,359,528,097.89

0.29

21,779,543,027.53

0.44

674,987,543,541.51

13.01

4,247,908,254.61

0.46

OTHERS

4.3

128,804,438,779.71

4.73

186,340,867,155.20

4.11

215,485,150,196.70

4.33

234,935,854,063.27

4.53

62,541,316,916.86

6.76

CENTRAL JAVA

4

151,883,488,040.76

5.58

211,549,308,897.05

4.67

249,466,742,302.70

5.01

925,575,204,046.62

17.85

68,733,488,903.70

7.43

SURABAYA

5.1

65,676,958,636.45

2.41

220,165,202,017.78

4.86

106,515,986,624.73

2.14

85,971,069,109.68

1.66

17,918,094,212.23

1.94

OTHERS

5.2

314,183,075,268.54

11.54

342,468,451,316.90

7.56

498,107,485,090.33

10.00

420,043,509,708.71

8.10

62,484,450,462.93

6.75

EAST JAVA

5

379,860,033,904.99

13.96

562,633,653,334.68

12.42

604,623,471,715.06

12.14

506,014,578,818.39

9.76

80,402,544,675.16

8.69

KALIMANTAN

6

93,906,401,358.81

3.45

133,815,627,170.69

2.95

148,586,792,650.71

2.98

142,758,067,473.81

2.75

26,711,781,281.92

2.89

UJUNG PANDANG

7.1

9,998,687,306.13

0.37

14,247,083,505.40

0.31

28,032,235,030.75

0.56

17,703,152,061.96

0.34

3,369,143,477.84

0.36

OTHERS

7.2

82,776,302,886.72

3.04

63,921,593,589.15

1.41

157,425,936,082.13

3.16

199,208,722,783.98

3.84

16,742,850,495.65

1.81

SULAWESI

7

92,774,990,192.85

3.41

78,168,677,094.55

1.73

185,458,171,112.88

3.72

216,911,874,845.94

4.18

20,111,993,973.49

2.17

OTHER ISLANDS

8

98,763,281,538.96

3.63

708,806,799,296.84

15.65

161,503,229,586.14

3.24

196,969,963,920.42

3.80

48,483,383,984.82

5.24

2,721,401,635,174.73

100.00

4,529,595,941,316.68

100.00

4,982,077,446,302.20

100.00

5,186,253,804,675.64

100.00

925,235,320,285.69

100.00

J UM L A H

39



JUNI 2016

National Gross Premium By Cresta Zone As at 30 June 2016 (in Billion IDR)

West Java

South Sumatera

North Sumatera 250,000.00

600,000.00

200,000.00

500,000.00 400,000.00

150,000.00

300,000.00

100,000.00

200,000.00

50,000.00

100,000.00 -

-

600,000.00 400,000.00

200,000.00 UY 2013

UY 2014

UY 2015

UY 2012

UY 2016

250,000.00

200,000.00

UY 2013

UY 2014

UY 2015

UY 2016

Other Islands 800,000.00

200,000.00

150,000.00

600,000.00

150,000.00

100,000.00

400,000.00

100,000.00

50,000.00

200,000.00

50,000.00

-

-

UY 2012UY 2013UY 2014UY 2015UY 2016

800,000.00

Sulawesi

Kalimantan

East Java 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

UY 2012

UY 2012UY 2013UY 2014UY 2015UY 2016

UY 2012UY 2013UY 2014UY 2015UY 2016

Central Java

3,500,000.00 3,000,000.00 2,500,000.00 2,000,000.00 1,500,000.00 1,000,000.00 500,000.00 -

UY 2012UY 2013UY 2014UY 2015UY 2016

UY 2012UY 2013UY 2014UY 2015UY 2016

40

UY 2012UY 2013UY 2014UY 2015UY 2016



JUNI 2016

National Gross Premium By Occupation As At 30/06/2016 Tab el 3.2

dalam Rupiah U/Y 2012

Okupasi

Jumlah

U/Y 2014

U/Y 2013 %

Jumlah

%

Jumlah

U/Y 2015 %

Jumlah

U/Y 2016 %

Jumlah

%

AGRIKULTURAL

A

29,419,229,652.86

1.08

35,250,816,165.82

0.78

29,149,815,450.64

0.59

29,683,728,427.87

0.57

5,495,439,851.01

0.59

KOMERSIAL

C

658,376,861,883.61

24.19

1,811,968,360,691.29

40.00

1,118,227,459,156.76

22.45

1,795,033,569,542.69

34.61

242,709,631,265.67

26.23

INDUSTRIAL

I

1,686,073,034,503.53

61.96

2,207,809,139,946.27

48.74

3,219,326,810,662.98

64.62

2,816,715,072,071.75

54.31

541,797,006,182.77

58.56

RESIDENSIAL

R

347,532,509,134.70

12.77

474,567,624,513.30

10.48

615,373,361,031.83

12.35

544,821,434,633.33

10.51

135,233,242,986.23

14.62

2,721,401,635,174.70

100.00

4,529,595,941,316.68

100.00

4,982,077,446,302.21

100.00

5,186,253,804,675.64

100.00

925,235,320,285.68

100.00

J UM L A H

41



JUNI 2016

National Gross Premium By Occupation As at 30 June 2016 ( In Billion IDR )

Agricultural

Industrial

40,000.00

3,500,000.00

35,000.00

3,000,000.00

30,000.00

2,500,000.00

25,000.00

2,000,000.00

20,000.00 1,500,000.00

15,000.00 10,000.00

1,000,000.00

5,000.00

500,000.00

-

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

Commercial

UY 2014

UY 2015

UY 2016

UY 2015

UY 2016

Residential

2,000,000.00

700,000.00

1,800,000.00

600,000.00

1,600,000.00 1,400,000.00

500,000.00

1,200,000.00

400,000.00

1,000,000.00

2010

300,000.00

800,000.00

600,000.00

UY 2013

2010

200,000.00

400,000.00

100,000.00

200,000.00 -

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

42

UY 2013

UY 2014



JUNI 2016

National Gross Premium By Interest As At 30/06/2016 Tab el 3.3

dalam Rupiah Okupasi

U/Y 2012 Jumlah

Building Machinery Others Stock Bussiness Interruption J UM L A H

U/Y 2014

U/Y 2013 %

Jumlah

%

Jumlah

U/Y 2015 %

Jumlah

U/Y 2016 %

Jumlah

%

1,110,027,655,907.59

40.79

1,631,981,512,004.27

36.03

2,041,387,242,051.95

40.97

2,755,055,243,634.48

53.12

404,535,416,133.56

43.72

540,320,539,481.35

19.85

694,821,496,804.37

15.34

953,194,517,088.02

19.13

894,039,144,353.14

17.24

172,362,113,448.18

18.63

452,829,438,466.93

16.64

790,160,534,480.71

17.44

616,273,457,511.43

12.37

569,743,264,033.66

10.99

137,982,254,373.73

14.91

377,163,988,249.75

13.86

509,522,847,757.30

11.25

892,474,064,327.38

17.91

562,832,342,606.76

10.85

118,107,140,015.11

12.77

241,060,013,069.09

8.86

903,109,550,270.02

19.94

478,748,165,323.42

9.61

404,583,810,047.60

7.80

92,248,396,315.09

9.97

2,721,401,635,174.71

100.00

4,529,595,941,316.67

100.00

4,982,077,446,302.20

100.00

5,186,253,804,675.64

100.00

925,235,320,285.67

100.00

43



JUNI 2016

National Gross Premium By Interest As at 30 June 2016 ( In Billion IDR )

Building

Others

3,000,000.00

900,000.00 800,000.00

2,500,000.00

700,000.00

2,000,000.00

600,000.00 500,000.00

1,500,000.00

400,000.00

1,000,000.00

Business Interruption

300,000.00 1,000,000.00

200,000.00

500,000.00

900,000.00

100,000.00

-

800,000.00

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

700,000.00 600,000.00 500,000.00

Stock

Machinery 1,200,000.00

1,000,000.00

400,000.00

1,000,000.00

300,000.00

900,000.00

200,000.00

800,000.00

100,000.00 -

700,000.00

800,000.00

UY 2012

600,000.00

UY 2013

UY 2014

UY 2015

UY 2016

500,000.00

600,000.00

400,000.00 400,000.00

300,000.00 200,000.00

200,000.00

100,000.00 -

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

UY 2013

44

UY 2014

UY 2015

UY 2016



JUNI 2016

National Gross Premium By Province As At 30/06/2016 Tabel 3.4 dalam Rupiah Provinsi

Cresta ID

U/Y 2012 Jumlah

U/Y 2013 %

U/Y 2014

Jumlah

%

Jumlah

U/Y 2015 %

Jumlah

U/Y 2016 %

Jumlah

%

01. NAD

IDN_AC

12,528,481,214.65

0.46

16,248,179,341.27

0.36

21,156,227,723.45

0.42

28,542,465,121.82

0.55

3,831,187,386.32

0.41

02. SUMATERA UTARA

IDN_SU

97,061,534,578.02

3.57

133,784,071,876.98

2.95

158,826,210,322.83

3.19

207,202,773,069.92

4.00

32,570,011,984.82

3.52

03. SUMATERA BARAT

IDN_SB

48,783,925,164.28

1.79

71,374,768,387.71

1.58

80,569,034,418.57

1.62

96,539,586,683.86

1.86

11,817,051,639.45

1.28

04. RIAU

IDN_RI

35,299,197,912.01

1.30

56,970,960,860.70

1.26

68,237,741,754.51

1.37

187,928,221,808.09

3.62

16,797,809,602.46

1.82

05. JAMBI

IDN_JA

10,915,221,747.41

0.40

12,503,224,385.16

0.28

14,037,376,432.43

0.28

16,218,024,920.25

0.31

2,105,444,234.85

0.23


IDN_SS

42,667,530,496.39

1.57

47,956,576,539.54

1.06

63,016,691,486.06

1.26

83,663,567,291.63

1.61

7,477,297,995.23

0.81

07. BENGKULU

IDN_BE

8,307,289,514.39

0.31

9,919,463,583.07

0.22

11,700,354,562.11

0.23

9,162,242,772.88

0.18

1,921,037,712.70

0.21

08. LAMPUNG

IDN_LA

40,036,126,531.07

1.47

41,048,588,970.66

0.91

61,285,434,048.68

1.23

72,534,991,279.11

1.40

22,600,880,292.26

2.44


IDN_BB

3,403,314,549.65

0.13

4,388,908,764.44

0.10

6,015,313,432.53

0.12

5,994,802,745.37

0.12

594,565,228.90

0.06

10. KEPULAUAN RIAU

IDN_KR

20,673,160,969.51

0.76

27,962,763,879.10

0.62

42,039,078,042.52

0.84

43,015,876,664.66

0.83

13,685,980,514.59

1.48

11. JAKARTA

IDN_JK

600,168,864,300.49

22.05

701,981,021,509.03

15.50

1,073,263,352,012.98

21.54

951,905,134,288.47

18.35

186,487,644,888.00

20.16

12. JAWA BARAT

IDN_JB

665,798,295,764.90

24.47

1,231,624,342,472.46

27.19

1,405,999,067,647.37

28.22

984,399,687,150.38

18.98

240,157,613,802.86

25.96

13. JAWA TENGAH

IDN_JT

134,205,061,880.52

4.93

193,688,843,537.58

4.28

214,419,805,376.80

4.30

244,132,350,852.87

4.71

62,696,634,848.22

6.78

14. DIY

IDN_YO

17,678,426,160.24

0.65

17,860,465,359.47

0.39

35,046,936,925.90

0.70

681,442,853,193.74

13.14

6,036,854,055.48

0.65

15. JAWA TIMUR

IDN_JI

379,860,033,904.99

13.96

562,633,653,334.69

12.42

604,623,471,715.06

12.14

506,014,578,818.40

9.76

80,402,544,675.16

8.69

16. BANTEN

IDN_BT

318,570,497,395.58

11.71

478,859,004,952.77

10.57

626,293,157,050.67

12.57

510,916,741,774.01

9.85

140,745,602,184.17

15.21

17. BALI

IDN_BA

73,264,139,805.44

2.69

681,203,353,620.28

15.04

120,402,376,442.43

2.42

148,449,146,084.18

2.86

37,852,667,678.63

4.09

18. NUSA TENGGARA BARAT IDN_NB

7,167,883,678.98

0.26

8,855,521,003.67

0.20

15,050,397,851.28

0.30

16,048,076,661.30

0.31

3,105,169,636.41

0.34


IDN_NT

3,302,437,014.52

0.12

2,885,273,869.13

0.06

4,312,594,404.18

0.09

4,964,288,616.87

0.10

654,835,366.90

0.07


IDN_KB

5,638,300,533.46

0.21

7,800,778,346.28

0.17

13,179,338,784.00

0.26

9,267,288,914.18

0.18

1,134,392,750.41

0.12


IDN_KT

10,685,751,241.15

0.39

17,820,732,332.84

0.39

24,675,940,659.00

0.50

24,492,565,629.36

0.47

940,734,710.29

0.10


IDN_KS

13,364,569,692.20

0.49

37,603,654,824.48

0.83

32,631,754,854.45

0.65

32,556,905,158.27

0.63

7,505,232,203.19

0.81


IDN_KI

64,217,779,892.00

2.36

70,590,461,667.10

1.56

78,104,630,903.26

1.57

75,751,544,447.42

1.46

16,461,672,334.53

1.78

24. SULAWESI UTARA

IDN_SA

21,150,115,186.79

0.78

34,254,606,338.33

0.76

32,968,981,537.61

0.66

34,008,300,664.92

0.66

5,416,574,740.77

0.59

25. SULAWESI TENGAH

IDN_ST

3,376,340,442.68

0.12

7,058,167,480.59

0.16

6,429,170,184.65

0.13

15,015,104,992.32

0.29

3,305,242,889.70

0.36


IDN_SN

27,825,514,830.73

1.02

28,522,763,153.53

0.63

131,813,160,424.80

2.65

141,617,493,232.18

2.73

8,403,291,071.23

0.91


IDN_SG

10,830,303,412.93

0.40

2,298,616,593.95

0.05

4,320,391,706.58

0.09

16,726,588,134.77

0.32

1,723,771,243.27

0.19

28. GORONTALO

IDN_GO

27,916,176,981.64

1.03

4,107,043,397.25

0.09

5,369,868,537.19

0.11

5,129,714,175.05

0.10

688,365,873.30

0.07

29. SULAWESI BARAT

IDN_SR

1,676,539,338.07

0.06

1,927,480,130.89

0.04

4,556,598,722.04

0.09

4,414,673,646.70

0.09

574,748,155.23

0.06

30. MALUKU

IDN_MA

2,445,393,617.83

0.09

3,618,588,260.22

0.08

4,973,074,125.06

0.10

5,547,441,227.49

0.11

1,909,376,371.06

0.21

31. MALUKU UTARA

IDN_MU

1,423,563,178.93

0.05

1,137,243,104.75

0.03

1,945,383,223.54

0.04

2,861,965,721.94

0.06

565,425,207.12

0.06

32. PAPUA BARAT

IDN_PB

5,170,703,031.95

0.19

4,221,984,574.84

0.09

4,735,485,860.43

0.10

6,021,716,037.97

0.12

882,494,605.51

0.10

33. PAPUA

IDN_PA

5,989,161,211.31

0.22

6,884,834,863.94

0.15

10,083,917,679.23

0.20

13,077,329,570.67

0.25

3,513,415,119.19

0.38


IDN_KU

0.00

0.00

0.00

0.00

-4,872,550.00

0.00

689,763,324.58

0.01

669,749,283.49

0.07

J UM L A H

2,721,401,635,174.71 100.00

4,529,595,941,316.70 100.00

45

4,982,077,446,302.20 100.00

5,186,253,804,675.63 100.00

925,235,320,285.70 100.00



JUNI 2016

National Gross Premium By Class Construction As At 30/06/2016 Tab el 3.5

Kelas Konstruksi

dalam Rupiah U/Y 2012 Jumlah

U/Y 2014

U/Y 2013 %

Jumlah

%

U/Y 2015

Jumlah

%

Jumlah

U/Y 2016 %

Jumlah

%

Com:‎Steel,‎Wood,‎RC‎≤‎9

2,356,558,868,485.26

86.59

4,180,746,563,901.94

92.30

4,442,446,084,211.43

89.17

4,547,205,075,140.72

87.68

802,919,376,481.46

86.78

Com: Steel, Wood, RC > 9

310,848,411,244.27

11.42

293,186,857,333.17

6.47

461,817,327,670.53

9.27

557,782,609,595.73

10.76

97,080,632,962.53

10.49

7,720,910,121.39

0.28

7,779,167,652.80

0.17

3,131,937,310.41

0.06

10,211,578,770.65

0.20

75,794,803.90

0.01

46,107,110,228.00

1.69

47,776,638,989.11

1.05

74,309,683,061.62

1.49

70,946,915,666.08

1.37

25,132,699,577.79

2.72

166,335,095.78

0.01

106,713,439.67

0.00

372,414,048.23

0.01

107,625,502.46

0.00

26,816,460.00

0.00

2,721,401,635,174.70

100.00

4,529,595,941,316.69

100.00

4,982,077,446,302.22

100.00

5,186,253,804,675.64

100.00

925,235,320,285.68

100.00

Com: Others DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎s toreys DW: ‎Others J UM L A H





46



JUNI 2016

National Gross Premium By Class Construction As at 30 June 2016 (in Billion IDR)

Com: Others

Com: Steel, Wood, RC ≤ 9 12,000.00

5,000,000.00 4,500,000.00

10,000.00

4,000,000.00 3,500,000.00

8,000.00

3,000,000.00

6,000.00

2,500,000.00

2,000,000.00

DW: ‎Others

4,000.00

1,500,000.00 1,000,000.00

400.00

2,000.00

350.00

500,000.00 -

-

UY 2012

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2013

UY 2014

UY 2015

UY 2016

300.00 250.00

200.00



600,000.00

80,000.00

500,000.00

70,000.00

150.00

100.00 50.00

60,000.00 400,000.00

UY 2012

50,000.00

300,000.00

40,000.00

200,000.00

30,000.00

UY 2013

UY 2014

UY 2015

UY 2016

20,000.00

100,000.00

10,000.00

-

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

UY 2013

47

UY 2014

UY 2015

UY 2016



JUNI 2016

Number Of Risk By Cresta Zone As At 30/06/2016 Tabel 4.1

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

U/Y 2016

Cresta Zone Jumlah

%

Jumlah

%

Jumlah

%

Jumlah

%

Jumlah

%

BANDA ACEH

1.1

591

0.34%

619

0.33%

629

0.27%

718

0.32%

177

0.33%

MEDAN

1.2

6,014

3.46%

6,621

3.49%

7,670

3.26%

7,725

3.42%

2,197

4.06%

OTHERS

1.3

4,665

2.68%

4,058

2.14%

5,713

2.43%

5,079

2.25%

1,106

2.04%

NORTH SUMATERA

1

11,270

6.48%

11,298

5.96%

14,012

5.96%

13,522

5.98%

3,480

6.42%

PADANG

2.1

10,881

6.26%

10,870

5.74%

13,038

5.54%

12,553

5.55%

4,008

7.40%

PALEMBANG

2.2

1,536

0.88%

1,879

0.99%

2,003

0.85%

2,271

1.00%

474

0.88%

OTHERS

2.3

17,450 10.04%

18,026

9.51%

22,947

9.75%

22,157

9.80%

6,119 11.30%

SOUTH SUMATERA

2

29,867 17.18%

30,775 16.24%

37,988 16.15%

36,981 16.36%

10,601 19.57%

JAKARTA

3.1

36,284 20.87%

47,690 25.16%

56,596 24.06%

51,072 22.59%

11,255 20.78%

BANDUNG

3.2

OTHERS

3.3

36,740 21.14%

38,938 20.55%

49,958 21.23%

50,174 22.19%

11,698 21.59%

WEST JAVA

3

75,015 43.15%

88,759 46.83%

108,794 46.24%

103,916 45.97%

23,676 43.71%

SEMARANG

4.1

810

0.47%

921

0.49%

1,225

0.52%

1,132

0.50%

261

0.48%

YOGYAKARTA

4.2

2,314

1.33%

2,194

1.16%

2,673

1.14%

2,769

1.22%

675

1.25%

OTHERS

4.3

10,375

5.97%

10,553

5.57%

15,389

6.54%

15,596

6.90%

3,377

6.23%

CENTRAL JAVA

4

13,499

7.77%

13,668

7.21%

19,287

8.20%

19,497

8.62%

4,313

7.96%

SURABAYA

5.1

6,197

3.57%

6,256

3.30%

8,730

3.71%

6,730

2.98%

1,486

2.74%

OTHERS

5.2

7,852

4.52%

8,456

4.46%

12,371

5.26%

11,672

5.16%

2,561

4.73%

EAST JAVA

5

14,049

8.08%

14,712

7.76%

21,101

8.97%

18,402

8.14%

4,047

7.47%

KALIMANTAN

6

7,644

4.40%

7,069

3.73%

8,043

3.42%

7,460

3.30%

1,217

2.25%

UJUNG PANDANG

7.1

1,916

1.10%

2,059

1.09%

2,469

1.05%

2,846

1.26%

501

0.92%

OTHERS

7.2

6,228

3.58%

6,272

3.31%

6,572

2.79%

6,578

2.91%

1,385

2.56%

SULAWESI

7

8,144

4.69%

8,331

4.40%

9,041

3.84%

9,424

4.17%

1,886

3.48%

OTHER ISLANDS

8

14,339

8.25%

14,912

7.87%

17,009

7.23%

16,867

7.46%

4,951

9.14%

173,827

100%

189,524

100%

235,275

100%

226,069

100%

54,171

100%

J UMLAH

1,991

1.15%

2,131

1.12%

48

2,240

0.95%

2,670

1.18%

723

1.33%



JUNI 2016

Number of Risk By Cresta Zone As at 30 June 2016


South Sumatera

West Java

40,000.00 30,000.00

10,000.00

100,000.00

20,000.00

UY 2012UY 2013UY 2014UY 2015UY 2016

Kalimantan

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Sulawesi

10,000.00

10,000.00

20,000.00

8,000.00

8,000.00

15,000.00

6,000.00

6,000.00

10,000.00

4,000.00

4,000.00

5,000.00

2,000.00

2,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

25,000.00

-

5,000.00

20,000.00

-

East Java

10,000.00

40,000.00

10,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

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 2012UY 2013UY 2014UY 2015UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

49

Other Islands 20,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016



JUNI 2016

Number Of Risk By Occupation As At 30/06/2016 Tab el 4.2

Okupasi

U/Y 2012

%

U/Y 2013

%

U/Y 2014

%

U/Y 2015

%

U/Y 2016

%

AGRIKULTURAL

A

420

0.24

535

0.28

753

0.32

390

0.17

189

0.35

KOMERSIAL

C

94,595

54.42

100,683

53.12

124,558

52.94

123,845

54.78

25,085

46.31

INDUSTRIAL

I

17,199

9.89

18,433

9.73

18,903

8.03

17,165

7.59

4,236

7.82

RESIDENSIAL

R

J UMLAH

61,613

35.45

69,873

36.87

91,061

38.70

84,669

37.45

24,661

45.52

173,827

100.00

189,524

100.00

235,275

100.00

226,069

100.00

54,171

100.00

50



JUNI 2016

Number of Risk By Occupation As at 30 June 2016

Industrial

Agricultural 20,000.00 18,000.00 16,000.00 14,000.00 12,000.00 10,000.00 8,000.00 6,000.00 4,000.00 2,000.00 -

800.00 700.00

600.00 500.00 400.00 300.00 200.00 100.00

UY 2012

UY 2013

UY 2014

UY 2015

UY 2012

UY 2016

Commercial

UY 2013

UY 2014

UY 2015

UY 2016

UY 2015

UY 2016

Residential

140,000.00

100,000.00 90,000.00

120,000.00

80,000.00 100,000.00

70,000.00

80,000.00

60,000.00 50,000.00

60,000.00

40,000.00

30,000.00

40,000.00

20,000.00

20,000.00

10,000.00

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

51

UY 2013

UY 2014



JUNI 2016

Number Of Risk By Class Construction As At 30/06/2016 Tab el 4.3

Kelas Konstruksi

U/Y 2012

%

U/Y 2013

%

U/Y 2014

%

U/Y 2015

%

U/Y 2016

%

Com:‎Steel,‎Wood,‎RC‎≤‎9

122,066

70.22

139,851

73.79

162,962

69.26

170,303

75.33

38,104

70.34


5,614

3.23

5,220

2.75

22,185

9.43

10,116

4.47

1,829

3.38

Com: Others

10,410

5.99

10,115

5.34

1,657

0.70

907

0.40

12

0.02

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

35,562

20.46

34,242

18.07

48,173

20.48

44,650

19.75

14,212

26.24

175

0.10

96

0.05

298

0.13

93

0.04

14

0.03

173,827

100.00

189,524

100.00

235,275

100.00

226,069

100.00

54,171

100.00

DW: ‎Others

J UMLAH





52



JUNI 2016

Number of Risk By Class Construction As at 30 June 2016

Com: Steel, Wood, RC ≤ 9 200000

Com: Others 12000 10000

150000

8000

100000

6000

DW: ‎Others

4000

50000

2000

0

0 UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016


Com: Steel, Wood, RC > 9 25000

60000

20000

50000

UY 2012

40000

15000

350 300 250 200 150 100 50 0

UY 2013

UY 2014

UY 2015

UY 2016

30000

10000

20000

5000

10000

0

0 UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

53



JUNI 2016

Number of Risk By Province As At 30/06/2016 Tabel 4.4

Provinsi

Cresta ID

U/Y 2012 Jumlah

U/Y 2013 %

Jumlah

U/Y 2014 %

Jumlah

U/Y 2015 %

Jumlah

U/Y 2016 %

Jumlah

%

01. NAD

IDN_AC

1,934.00

1.11

1,652.00

0.87

1,986.00

0.84

1,920.00

0.85

514.00

02. SUMATERA UTARA

IDN_SU

9,336.00

5.37

9,646.00

5.09

12,026.00

5.11

11,602.00

5.13

2,966.00

5.48

03. SUMATERA BARAT

IDN_SB

15,501.00

8.92

15,639.00

8.25

17,987.00

7.65

17,469.00

7.73

5,842.00

10.78

04. RIAU

IDN_RI

3,529.00

2.03

3,565.00

1.88

4,380.00

1.86

4,458.00

1.97

1,042.00

1.92

05. JAMBI

IDN_JA

1,667.00

0.96

1,940.00

1.02

2,459.00

1.05

2,158.00

0.95

944.00

1.74


IDN_SS

2,335.00

1.34

2,912.00

1.54

4,089.00

1.74

3,850.00

1.70

711.00

1.31

07. BENGKULU

IDN_BE

2,119.00

1.22

1,847.00

0.97

2,249.00

0.96

2,335.00

1.03

594.00

1.10

08. LAMPUNG

IDN_LA

3,028.00

1.74

3,082.00

1.63

4,355.00

1.85

4,233.00

1.87

905.00

1.67


IDN_BB

523.00

0.30

491.00

0.26

821.00

0.35

684.00

0.30

161.00

0.30

10. KEPULAUAN RIAU

IDN_KR

1,165.00

0.67

1,299.00

0.69

1,648.00

0.70

1,794.00

0.79

402.00

0.74

11. JAKARTA

IDN_JK

36,284.00

20.87

47,690.00

25.16

56,596.00

24.06

51,072.00

22.59

11,255.00

20.78

12. JAWA BARAT

IDN_JB

27,291.00

15.70

28,631.00

15.11

36,206.00

15.39

36,542.00

16.16

8,640.00

15.95

13. JAWA TENGAH

IDN_JT

10,221.00

5.88

10,229.00

5.40

14,776.00

6.28

14,714.00

6.51

3,192.00

5.89

14. DIY

IDN_YO

3,278.00

1.89

3,439.00

1.81

4,511.00

1.92

4,783.00

2.12

1,121.00

2.07

15. JAWA TIMUR

IDN_JI

14,049.00

8.08

14,712.00

7.76

21,101.00

8.97

18,402.00

8.14

4,047.00

7.47

16. BANTEN

IDN_BT

11,440.00

6.58

12,438.00

6.56

15,992.00

6.80

16,302.00

7.21

3,781.00

6.98

17. BALI

IDN_BA

7,638.00

4.39

8,100.00

4.27

9,971.00

4.24

10,173.00

4.50

3,125.00

5.77

18. NUSA TENGGARA BARAT

IDN_NB

1,488.00

0.86

1,365.00

0.72

1,840.00

0.78

1,613.00

0.71

577.00

1.07


IDN_NT

971.00

0.56

764.00

0.40

615.00

0.26

605.00

0.27

181.00

0.33


IDN_KB

1,823.00

1.05

1,072.00

0.57

1,664.00

0.71

1,545.00

0.68

204.00

0.38


IDN_KT

700.00

0.40

691.00

0.36

854.00

0.36

875.00

0.39

153.00

0.28


IDN_KS

1,280.00

0.74

1,254.00

0.66

1,727.00

0.73

1,912.00

0.85

253.00

0.47


IDN_KI

3,841.00

2.21

4,052.00

2.14

3,798.00

1.61

3,008.00

1.33

510.00

0.94

24. SULAWESI UTARA

IDN_SA

1,877.00

1.08

1,859.00

0.98

2,292.00

0.97

2,497.00

1.10

552.00

1.02

25. SULAWESI TENGAH

IDN_ST

1,231.00

0.71

1,314.00

0.69

997.00

0.42

1,165.00

0.52

239.00

0.44


IDN_SN

3,194.00

1.84

3,408.00

1.80

4,314.00

1.83

4,401.00

1.95

754.00

1.39


IDN_SG

577.00

0.33

610.00

0.32

644.00

0.27

685.00

0.30

121.00

0.22

28. GORONTALO

IDN_GO

1,011.00

0.58

829.00

0.44

592.00

0.25

490.00

0.22

161.00

0.30

29. SULAWESI BARAT

IDN_SR

254.00

0.15

311.00

0.16

202.00

0.09

186.00

0.08

59.00

0.11

30. MALUKU

IDN_MA

513.00

0.30

621.00

0.33

776.00

0.33

839.00

0.37

228.00

0.42

31. MALUKU UTARA

IDN_MU

428.00

0.25

378.00

0.20

406.00

0.17

389.00

0.17

81.00

0.15

32. PAPUA BARAT

IDN_PB

1,280.00

0.74

1,351.00

0.71

1,369.00

0.58

1,315.00

0.58

346.00

0.64

33. PAPUA

IDN_PA

2,021.00

1.16

2,333.00

1.23

2,032.00

0.86

1,933.00

0.86

413.00

0.76


IDN_KU

0.00

0.00

0.00

0.00

0.00

0.00

120.00

0.05

97.00

0.18

J UM L A H

173,827.00 100.00

189,524.00 100.00

54

235,275.00 100.00

226,069.00 100.00

0.95

54,171.00 100.00



JUNI 2016

Claim Frequency by Cresta Zone As At 30/06/2016 Tab el 5.1

U/Y 2012 Cresta Zone

Jumlah

U/Y 2013 %

Jumlah

U/Y 2014 %

Jumlah

U/Y 2015 %

Jumlah

U/Y 2016 %

Jumlah

%

BANDA ACEH

1.1

4

11%

6

38%

0

0%

0

0%

0

0%

MEDAN

1.2

8

21%

2

13%

0

0%

0

0%

0

0%

OTHERS

1.3

2

5%

0

0%

0

0%

1

3%

0

0%

NORTH SUMATERA PADANG

1 2.1

14 5

37% 13%

8 0

50% 0%

0 2

0% 13%

1 0

3% 0%

0 0

0% 0%

PALEMBANG

2.2

0

0%

0

0%

0

0%

0

0%

0

0%

OTHERS

2.3

10

26%

1

6%

0

0%

3

8%

4

80%

SOUTH SUMATERA JAKARTA

2 3.1

15 0

39% 0%

1 0

6% 0%

2 0

13% 0%

3 0

8% 0%

4 1

80% 20%

BANDUNG

3.2

1

3%

0

0%

0

0%

1

3%

0

0%

OTHERS

3.3

1

3%

1

6%

0

0%

4

11%

0

0%

WEST JAVA SEMARANG

3 4.1

2 0

5% 0%

1 0

6% 0%

0 0

0% 0%

5 0

13% 0%

1 0

20% 0%

YOGYAKARTA

4.2

0

0%

0

0%

0

0%

1

3%

0

0%

OTHERS

4.3

0

0%

0

0%

0

0%

0

0%

0

0%

CENTRAL JAVA SURABAYA

4 5.1

0 0

0% 0%

0 0

0% 0%

0 0

0% 0%

1 0

3% 0%

0 0

0% 0%

OTHERS

5.2

0

0%

0

0%

3

20%

2

5%

0

0%

EAST JAVA KALIMANTAN

5 6

0 0

0% 0%

0 0

0% 0%

3 0

20% 0%

2 3

5% 8%

0 0

0% 0%

UJUNG PANDANG

7.1

0

0%

0

0%

0

0%

0

0%

0

0%

OTHERS

7.2

1

3%

3

19%

3

20%

0

0%

0

0%

SULAWESI OTHER ISLANDS

7 8

1 6

3% 16%

3 3

19% 19%

3 7

20% 47%

0 23

0% 61%

0 0

0% 0%

38

100%

16

100%

15

100%

38

100%

5

100%

J UMLAH

55



JUNI 2016

Claim Frequency By Cresta Zone As at 30 June 2016 North Sumatera

South Sumatera

9 8

4

7

3.5

6

3

5

2.5

4

2

3

1.5

2

1

1

0.5

0

0 UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

6

14

5

12 10

4

8

3 6 2

4

1

2 0

0 UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

UY 2013

Kalimantan

East Java 40

UY 2014

UY 2015

UY 2012

UY 2016

3

3 2.5

25

2

2

15

20

1.5

1.5

10

1

1

0.5

0.5

0

0 UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2013

UY 2014

UY 2015

UY 2016

UY 2016

0 UY 2012

56

UY 2015

5

0 UY 2012

UY 2016

20

10 5

UY 2015

25

2.5

15

UY 2014

Other Islands

3.5

35 30

UY 2013

Sulawesi

3.5

45

Central Java

West Java

4.5

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

UY 2013

UY 2014



JUNI 2016

Claim Frequency by Occupation As At 30/06/2016 Tab le 5.2

Okupasi / Occupation

U/Y 2012

U/Y 2013

U/Y 2014

U/Y 2015

U/Y 2016

AGRICULTURAL / Agricultural

A

0

0

0

0

0

COMMERCIAL / Commercial

C

16

49

10

25

1

INDUSTRIAL / Industrial

I

0

5

1

2

0

RESIDENTIAL / Residential

R

2

8

4

11

4

18

62

15

38

21

Jumlah / Total

57



JUNI 2016

Claim By Occupation As at 30 June 2016 ( In Million IDR )

Agricultural

Industrial

1.00

9,000.00

0.90

8,000.00

0.80

7,000.00

0.70

6,000.00

0.60

5,000.00

0.50

4,000.00

0.40

3,000.00

0.30 0.20

2,000.00

0.10

1,000.00

-

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

Commercial

UY 2013

UY 2014

UY 2015

UY 2016

UY 2015

UY 2016

Residential

300,000.00

2,000.00 1,800.00

250,000.00

1,600.00

200,000.00

1,400.00

150,000.00

1,000.00

1,200.00

800.00

100,000.00

600.00

400.00

50,000.00

200.00

-

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

58

UY 2013

UY 2014



JUNI 2016

Claim Frequency by Province As At 30/06/2016 Tab el 5.3

dalam Rupiah Provinsi

Cresta ID

U/Y 2012 Jumlah

U/Y 2013 %

U/Y 2015

U/Y 2014

Jumlah

%

Jumlah

%

Jumlah

U/Y 2016 %

Jumlah

%

01. NAD

IDN_AC

8.00

44.44

2.00

3.23

0.00

0.00

1.00

2.63

0.00

02. SUMATERA UTARA

IDN_SU

4.00

22.22

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

IDN_SB

0.00

0.00

2.00

3.23

2.00

13.33

2.00

5.26

4.00

80.00

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

1.00

2.63

0.00

0.00

07. BENGKULU

IDN_BE

0.00

0.00

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

1.00

20.00

12. JAWA BARAT

IDN_JB

0.00

0.00

1.00

1.61

0.00

0.00

5.00

13.16

0.00

0.00

13. JAWA TENGAH

IDN_JT

0.00

0.00

1.00

1.61

0.00

0.00

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

0.00

0.00

5.00

8.06

0.00

0.00

1.00

2.63

0.00

0.00

15. JAWA TIMUR

IDN_JI

0.00

0.00

49.00

79.03

3.00

20.00

2.00

5.26

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

3.00

16.67

0.00

0.00

1.00

6.67

1.00

2.63

0.00

0.00


IDN_NB

1.00

5.56

1.00

1.61

0.00

0.00

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

3.00

7.89

0.00

0.00

24. SULAWESI UTARA

IDN_SA

0.00

0.00

1.00

1.61

3.00

20.00

0.00

0.00

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

2.00

11.11

0.00

0.00

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

2.00

5.26

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

5.00

33.33

44.74

0.00

0.00

33. PAPUA

IDN_PA

0.00

0.00

0.00

0.00

1.00

6.67

3.00

7.89

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

100.00

5.00

100.00

J UM L A H

18.00

100.00

62.00

100.00

59

15.00

100.00

17.00

38.00

0.00



JUNI 2016

Claim by Cresta Zone As At 30/06/2016 Tab le 5.4

In IDR

Cresta Zone

U/Y 2012

U/Y 2013

Jumlah

(dalam format lama)

%

U/Y 2014

Jumlah

%

U/Y 2015

Jumlah

%

Jumlah

U/Y 2016 %

Jumlah

%

BANDA ACEH

1.1

1,338,645,096.00

75.52

21,000,000.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

MEDAN

1.2

14,936,201.00

0.84

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

OTHERS

1.3

0.00

0.00

0.00

0.00

0.00

0.00

73,970,453.00

0.48

0.00

0.00

NORTH SUMATERA

1

1,353,581,297.00

76.36

21,000,000.00

0.01

0.00

0.00

73,970,453.00

0.48

0.00

0.00

PADANG

2.1

0.00

0.00

6,710,774.00

0.00

17,491,400.00

1.89

0.00

0.00

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

28,314,000.00

1.60

3,997,822.00

0.00

0.00

0.00

1,020,000,000.00

6.58

0.00

0.00

SOUTH SUMATERA

2

28,314,000.00

1.60

10,708,596.00

0.00

17,491,400.00

1.89

1,020,000,000.00

6.58

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

0.00

0.00

22,511,000.00

0.01

0.00

0.00

50,000,000.00

0.32

0.00

0.00

OTHERS

3.3

17,438,200.00

0.98

0.00

0.00

0.00

0.00

1,267,824,079.50

8.18

1,100,000,000.00

25.66

WEST JAVA

3

17,438,200.00

0.98

22,511,000.00

0.01

0.00

0.00

1,317,824,079.50

8.50

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

1,623,236,421.00

0.60

0.00

0.00

1,262,250,000.00

8.14

0.00

0.00

OTHERS

4.3

0.00

0.00

7,391,016,709.83

2.71

0.00

0.00

0.00

0.00

0.00

0.00

CENTRAL JAVA

4

0.00

0.00

9,014,253,130.83

3.31

0.00

0.00

1,262,250,000.00

8.14

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

263,077,555,767.99

96.63

111,029,676.05

12.03

98,665,500.00

0.64

0.00

0.00

EAST JAVA

5

0.00

0.00

263,077,555,767.99

96.63

111,029,676.05

12.03

98,665,500.00

0.64

0.00

0.00

KALIMANTAN

6

0.00

0.00

0.00

0.00

0.00

0.00

8,380,965,985.00

54.08

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

77,942,400.00

4.40

53,658,000.00

0.02

78,511,425.00

8.51

0.00

0.00

0.00

0.00

SULAWESI

7

77,942,400.00

4.40

53,658,000.00

0.02

78,511,425.00

8.51

0.00

0.00

0.00

0.00

OTHER ISLANDS

8

295,394,374.84

16.66

41,377,662.88

0.02

716,054,642.51

77.57

3,343,759,661.00

21.58

3,176,604,753.00

74.11

1,772,670,271.84

100.00

272,241,064,157.70

100.00

923,087,143.56

100.00

15,497,435,678.50

100.00

4,286,604,753.00

100.00

J UMLAH

60



JUNI 2016

Claim By Cresta Zone As at 30 June 2016 ( In Million IDR )


South Sumatera

West Java

1,200.00

1,400.00 1,200.00 1,000.00 800.00 600.00 400.00 200.00 -

1,000.00 1,000.00

800.00

600.00 500.00

400.00

200.00 -

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

East Java

Kalimantan 100.00

250,000.00

8,000.00

80.00

6,000.00

60.00

4,000.00

40.00

2,000.00

20.00

100,000.00 50,000.00

-

-

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

6,000.00 4,000.00 2,000.00 UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Other Islands

Sulawesi

10,000.00

150,000.00

8,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

300,000.00 200,000.00

Central Java 10,000.00

4,000.00 3,500.00 3,000.00 2,500.00 2,000.00 1,500.00 1,000.00 500.00 -

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

61

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016



JUNI 2016

Claim by Occupation As At 30/06/2016 Tab le 5.5

dalam Rupiah

Okupasi

U/Y 2012

U/Y 2013

Jumlah

%

U/Y 2014

Jumlah

%

U/Y 2015

Jumlah

%

Jumlah

U/Y 2016 %

Jumlah

%

AGRIKULTURAL

A

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

KOMERSIAL

C

1,636,685,520.49

92.33

271,246,520,180.70

99.63

624,550,950.05

67.66

5,959,405,013.50

38.45

200,000,000.00

34.19

INDUSTRIAL

I

RESIDENSIAL

R

J UMLAH

0.00

0.00

890,057,888.00

0.33

200,000,000.00

21.67

7,680,965,985.00

49.56

0.00

0.00

135,984,751.35

7.67

104,486,089.00

0.04

98,536,193.51

10.67

1,857,064,680.00

11.98

385,000,000.00

65.81

1,772,670,271.84

100.00

272,241,064,157.70

100.00

923,087,143.56

100.00

15,497,435,678.50

100.00

585,000,000.00

100.00

62



JUNI 2016

Claim By Occupation As at 30 June 2016 ( In Million IDR )

Agricultural

Industrial

1.00

9,000.00

0.90

8,000.00

0.80

7,000.00

0.70

6,000.00

0.60

5,000.00

0.50

4,000.00

0.40 0.30

3,000.00

0.20

2,000.00

0.10

1,000.00

-

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

Commercial

UY 2013

UY 2014

UY 2015

UY 2016

UY 2015

UY 2016

Residential

300,000.00

2,000.00 1,800.00

250,000.00

1,600.00 1,400.00

200,000.00

1,200.00

150,000.00

1,000.00 800.00

100,000.00

600.00

400.00

50,000.00

200.00

-

-

UY 2012

UY 2013

UY 2014

UY 2015

UY 2016

UY 2012

63

UY 2013

UY 2014



JUNI 2016

Claim by Province As At 30/06/2016 Tab le 5.6

In IDR Province

Cresta ID

U/Y 2012 Amount

01. NAD

IDN_AC

1,384,397,296.00

02. SUMATERA UTARA

IDN_SU

82,118,384.00

03. SUMATERA BARAT

IDN_SB

04. RIAU

U/Y 2013 %

U/Y 2015

U/Y 2014 %

Amount

%

Amount

U/Y 2016 %

Amount

%

24,004,968.00

0.01

0.00

0.00

73,970,453.00

0.48

0.00

0.00

4.63

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10,708,596.00

0.00

17,491,400.00

1.89

1,010,000,000.00

6.52

510,000,000.00

0.00

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

10,000,000.00

0.06

0.00

0.00

07. BENGKULU

IDN_BE

0.00

0.00

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

75,000,000.00

0.00

12. JAWA BARAT

IDN_JB

0.00

0.00

22,511,000.00

0.01

0.00

0.00

1,317,824,079.50

8.50

0.00

0.00

13. JAWA TENGAH

IDN_JT

0.00

0.00

36,698,640.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

0.00

0.00

1,023,236,421.00

0.38

0.00

0.00

1,262,250,000.00

8.14

0.00

0.00

15. JAWA TIMUR

IDN_JI

0.00

0.00

271,054,377,462.82

98,665,500.00

0.64

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

177,275,145.84

10.00

0.00

0.00

15,745,036.00

1.71

5,000,000.00

0.03

0.00

0.00


IDN_NB

50,937,046.00

2.87

15,869,069.88

0.01

0.00

0.00

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

8,380,965,985.00

54.08

0.00

0.00

24. SULAWESI UTARA

IDN_SA

0.00

0.00

53,658,000.00

0.02

78,511,425.00

8.51

0.00

0.00

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

77,942,400.00

4.40

0.00

0.00

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

25,960,000.00

0.17

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

688,071,568.51

20.41

0.00

0.00

33. PAPUA

IDN_PA

0.00

0.00

0.00

0.00

12,238,038.00

1.33

150,000,003.00

0.97

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

585,000,000.00

0.00

T OT AL

1,772,670,271.84

78.10

Amount

100.00

272,241,064,157.70

64

99.56

100.00

111,029,676.05

923,087,143.56

12.03

74.54

100.00

3,162,799,658.00

15,497,435,678.50

100.00



JUNI 2016

PT. Reasuransi MAIPARK Indonesia

RISK & LOSS PROFILE As At 30/06/2016 UNDERWRTING YEAR

:2012 -2016

OCCUPATION

:ALL

PROCESSING DATE

SUM INSURED (BAND) (in million Rp) BAND

(a)

FROM

TO

(b)

(c)

GROSS PREMIUM

NUMBER OF RISK

f (d)

PERCENTAGE

F

(In

∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

(h)

(i)

1

0.00 50.00

75,506

75,506

8.59

8.59

2,592.28

2,592.28

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

59,686

135,192

6.79

15.38

6,929.70

9,521.98

0.04

0.05

3

3

2.17

2.17

103.14

103.14

0.04

0.04

1.49

1.08

3

100.00 200.00

82,492

217,684

9.39

24.77

17,818.29

27,340.27

0.10

0.15

5

8

3.62

5.80

117.11

220.26

0.04

0.08

0.66

0.81

4

200.00 300.00

65,451

283,135

7.45

32.22

24,089.75

51,430.02

0.13

0.28

8

16

5.80

11.59

282.53

502.79

0.10

0.17

1.17

0.98

5

300.00 500.00

101,242

384,377

11.52

43.74

59,116.49

110,546.51

0.32

0.60

7

23

5.07

16.67

336.60

839.39

0.12

0.29

0.57

0.76

6

500.00 750.00

88,139

472,516

10.03

53.76

77,357.37

187,903.88

0.42

1.02

11

34

7.97

24.64

528.53

1,367.92

0.18

0.47

0.68

0.73

7

750.00 1,000.00

80,451

552,967

9.15

62.92

99,888.28

287,792.16

0.54

1.57

8

42

5.80

30.43

284.48

1,652.41

0.10

0.57

0.28

0.57

8

1,000.00 1,500.00

77,620

630,587

8.83

71.75

133,477.36

421,269.52

0.73

2.30

21

63

15.22

45.65

960.43

2,612.84

0.33

0.90

0.72

0.62

9

1,500.00 2,000.00

41,904

672,491

4.77

76.52

103,352.22

524,621.74

0.56

2.86

7

70

5.07

50.72

626.81

3,239.65

0.22

1.11

0.61

0.62

10

2,000.00 2,500.00

26,181

698,672

2.98

79.50

82,335.35

606,957.09

0.45

3.31

6

76

4.35

55.07

652.65

3,892.30

0.22

1.34

0.79

0.64

11

2,500.00 3,000.00

20,082

718,754

2.28

81.78

77,511.72

684,468.82

0.42

3.73

7

83

5.07

60.14

1,004.09

4,896.39

0.35

1.68

1.30

0.72

12

3,000.00 4,000.00

25,273

744,027

2.88

84.66

122,782.77

807,251.59

0.67

4.40

8

91

5.80

65.94

926.89

5,823.28

0.32

2.00

0.75

0.72

13

4,000.00 5,000.00

18,009

762,036

2.05

86.71

114,210.22

921,461.80

0.62

5.02

1

92

0.72

66.67

15.75

5,839.03

0.01

2.01

0.01

0.63

14

5,000.00 7,500.00

25,442

787,478

2.89

89.60

216,760.86

1,138,222.66

1.18

6.20

9

101

6.52

73.19

3,015.88

8,854.91

1.04

3.04

1.39

0.78

15

7,500.00 10,000.00

16,510

803,988

1.88

91.48

201,588.41

1,339,811.07

1.10

7.30

5

106

3.62

76.81

1,910.59

10,765.50

0.66

3.70

0.95

0.80

16

10,000.00 20,000.00

26,042

830,030

2.96

94.44

512,517.97

1,852,329.03

2.79

10.10

7

113

5.07

81.88

1,367.39

12,132.89

0.47

4.17

0.27

0.66

17

20,000.00 50,000.00

22,327

852,357

2.54

96.98

986,134.77

2,838,463.81

5.38

15.47

9

122

6.52

88.41

2,156.73

14,289.62

0.74

4.91

0.22

0.50

18

50,000.00 100,000.00

11,355

863,712

1.29

98.28

1,084,684.61

3,923,148.42

5.91

21.39

6

128

4.35

92.75

8,482.27

22,771.89

2.91

7.82

0.78

0.58

19

100,000.00 500,000.00

11,884

875,596

1.35

99.63

3,438,998.12

7,362,146.54

18.75

40.13

8

136

5.80

98.55 267,573.29

290,345.19

91.94

99.77

7.78

3.94

20

500,000.00 UP

3,270

878,866

0.37

100.00

10,982,417.61

18,344,564.15

59.87

100.00

2

138

1.45 100.00

291,019.26

0.23

100.00

0.01

1.59

65

(m)

674.07



JUNI 2016



: 2016

OCCUPATION

: ALL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F

PERCENTAGE

Rp

∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

1,844

1,844

3.40

3.40

64.52

64.52

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

3,799

5,643

7.01

10.42

424.58

489.09

0.05

0.05

1

1

20.00

20.00

75.00

75.00

12.82

12.82

17.66

15.33

3

100.00 200.00

4,242

9,885

7.83

18.25

949.19

1,438.28

0.10

0.16

0

1

0.00

20.00

0.00

75.00

0.00

12.82

0.00

5.21

4

200.00 300.00

4,789

14,674

8.84

27.09

1,727.30

3,165.58

0.19

0.34

0

1

0.00

20.00

0.00

75.00

0.00

12.82

0.00

2.37

5

300.00 500.00

7,024

21,698

12.97

40.05

3,999.07

7,164.66

0.43

0.77

1

2

20.00

40.00

50.00

125.00

8.55

21.37

1.25

1.74

6

500.00 750.00

5,354

27,052

9.88

49.94

4,558.57

11,723.23

0.49

1.27

2

4

40.00

80.00

260.00

385.00

44.44

65.81

5.70

3.28

7

750.00 1,000.00

4,950

32,002

9.14

59.08

6,034.84

17,758.07

0.65

1.92

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

2.17

8

1,000.00 1,500.00

4,991

36,993

9.21

68.29

8,303.38

26,061.45

0.90

2.82

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

1.48

9

1,500.00 2,000.00

3,085

40,078

5.69

73.98

7,367.50

33,428.95

0.80

3.61

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

1.15

10

2,000.00 2,500.00

1,822

41,900

3.36

77.35

5,499.68

38,928.62

0.59

4.21

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

0.99

11

2,500.00 3,000.00

1,428

43,328

2.64

79.98

5,255.34

44,183.96

0.57

4.78

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

0.87

12

3,000.00 4,000.00

1,761

45,089

3.25

83.23

8,090.51

52,274.47

0.87

5.65

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

0.74

13

4,000.00 5,000.00

1,355

46,444

2.50

85.74

8,212.95

60,487.41

0.89

6.54

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

0.64

14

5,000.00 7,500.00

1,739

48,183

3.21

88.95

13,933.83

74,421.25

1.51

8.04

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

0.52

15

7,500.00 10,000.00

1,143

49,326

2.11

91.06

13,090.45

87,511.70

1.41

9.46

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

0.44

16

10,000.00 20,000.00

1,688

51,014

3.12

94.17

30,513.70

118,025.40

3.30

12.76

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

0.33

17

20,000.00 50,000.00

1,396

52,410

2.58

96.75

55,710.69

173,736.09

6.02

18.78

0

4

0.00

80.00

0.00

385.00

0.00

65.81

0.00

0.22

18

50,000.00 100,000.00

780

53,190

1.44

98.19

69,042.10

242,778.20

7.46

26.24

1

5

20.00 100.00

200.00

585.00

34.19

100.00

0.29

0.24

19

100,000.00 500,000.00

745

53,935

1.38

99.56

193,177.45

435,955.64

20.88

47.12

0

5

0.00 100.00

0.00

585.00

0.00

100.00

0.00

0.13

20

500,000.00 UP

236

54,171

0.44

100.00

489,279.68

925,235.32

52.88

100.00

0

5

0.00 100.00

0.00

585.00

0.00

100.00

0.00

0.06

66



JUNI 2016



: 2015

OCCUPATION

: ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

GROSS PREMIUM

NUMBER OF RISK PERCENTAGE

F

f (d)

∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(i)

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

13,357

13,357

5.91

5.91

396.89

396.89

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

12,164

25,521

5.38

11.29

1,335.82

1,732.71

0.03

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

19,964

45,485

8.83

20.12

4,050.40

5,783.11

0.08

0.11

3

3

7.89

7.89

109.65

109.65

0.71

0.71

2.71

1.90

4

200.00 300.00

17,832

63,317

7.89

28.01

6,579.89

12,363.00

0.13

0.24

2

5

5.26

13.16

187.90

297.55

1.21

1.92

2.86

2.41

5

300.00 500.00

26,261

89,578

11.62

39.62

14,812.83

27,175.82

0.29

0.52

0

5

0.00

13.16

0.00

297.55

0.00

1.92

0.00

1.09

6

500.00 750.00

27,474

117,052

12.15

51.78

22,807.19

49,983.01

0.44

0.96

3

8

7.89

21.05

108.67

406.22

0.70

2.62

0.48

0.81

7

750.00 1,000.00

23,811

140,863

10.53

62.31

28,116.70

78,099.71

0.54

1.51

0

8

0.00

21.05

0.00

406.22

0.00

2.62

0.00

0.52

8

1,000.00 1,500.00

19,243

160,106

8.51

70.82

31,956.09

110,055.80

0.62

2.12

4

12

10.53

31.58

136.22

542.44

0.88

3.50

0.43

0.49

9

1,500.00 2,000.00

10,903

171,009

4.82

75.64

25,954.79

136,010.59

0.50

2.62

2

14

5.26

36.84

31.53

573.97

0.20

3.70

0.12

0.42

10

2,000.00 2,500.00

7,185

178,194

3.18

78.82

21,714.87

157,725.45

0.42

3.04

2

16

5.26

42.11

200.48

774.45

1.29

5.00

0.92

0.49

11

2,500.00 3,000.00

5,242

183,436

2.32

81.14

19,581.98

177,307.44

0.38

3.42

3

19

7.89

50.00

152.54

926.99

0.98

5.98

0.78

0.52

12

3,000.00 4,000.00

6,628

190,064

2.93

84.07

31,243.22

208,550.66

0.60

4.02

3

22

7.89

57.89

266.87

1,193.86

1.72

7.70

0.85

0.57

13

4,000.00 5,000.00

4,653

194,717

2.06

86.13

28,834.35

237,385.01

0.56

4.58

0

22

0.00

57.89

0.00

1,193.86

0.00

7.70

0.00

0.50

14

5,000.00 7,500.00

6,904

201,621

3.05

89.19

57,314.52

294,699.53

1.11

5.68

4

26

10.53

68.42

2,064.22

3,258.08

13.32

21.02

3.60

1.11

15

7,500.00 10,000.00

4,356

205,977

1.93

91.11

50,854.57

345,554.10

0.98

6.66

1

27

2.63

71.05

700.00

3,958.08

4.52

25.54

1.38

1.15

16

10,000.00 20,000.00

6,968

212,945

3.08

94.19

131,900.73

477,454.83

2.54

9.21

1

28

2.63

73.68

300.00

4,258.08

1.94

27.48

0.23

0.89

17

20,000.00 50,000.00

5,873

218,818

2.60

96.79

252,888.62

730,343.45

4.88

14.08

6

34

15.79

89.47

1,912.13

6,170.21

12.34

39.81

0.76

0.84

18

50,000.00 100,000.00

2,884

221,702

1.28

98.07

271,840.77

1,002,184.23

5.24

19.32

1

35

2.63

92.11

700.00

6,870.21

4.52

44.33

0.26

0.69

19

100,000.00 500,000.00

3,410

225,112

1.51

99.58

933,423.27

1,935,607.49

18.00

37.32

2

37

5.26

97.37

7,980.97

14,851.17

51.50

95.83

0.86

0.77

20

500,000.00 UP

957

226,069

0.42

100.00 3,250,646.31

5,186,253.80

62.68

100.00

1

38

2.63 100.00

646.26

15,497.44

4.17

100.00

0.02

0.30

67



JUNI 2016



: 2014

OCCUPATION

: ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

GROSS PREMIUM


F

f (d)

∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(i)

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

27,157

27,157

11.54

11.54

804.99

804.99

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

15,535

42,692

6.60

18.15

1,895.36

2,700.35

0.04

0.05

2

2

13.33

13.33

28.14

28.14

3.05

3.05

1.48

1.04

3

100.00 200.00

19,762

62,454

8.40

26.55

4,255.70

6,956.05

0.09

0.14

0

2

0.00

13.33

0.00

28.14

0.00

3.05

0.00

0.40

4

200.00 300.00

15,142

77,596

6.44

32.98

5,480.66

12,436.71

0.11

0.25

3

5

20.00

33.33

56.29

84.43

6.10

9.15

1.03

0.68

5

300.00 500.00

28,986

106,582

12.32

45.30

17,173.59

29,610.30

0.34

0.59

0

5

0.00

33.33

0.00

84.43

0.00

9.15

0.00

0.29

6

500.00 750.00

25,985

132,567

11.04

56.35

23,833.12

53,443.42

0.48

1.07

2

7

13.33

46.67

34.40

118.83

3.73

12.87

0.14

0.22

7

750.00 1,000.00

23,072

155,639

9.81

66.15

29,151.19

82,594.60

0.59

1.66

2

9

13.33

60.00

112.92

231.75

12.23

25.11

0.39

0.28

8

1,000.00 1,500.00

17,285

172,924

7.35

73.50

29,837.56

112,432.16

0.60

2.26

1

10

6.67

66.67

112.50

344.25

12.19

37.29

0.38

0.31

9

1,500.00 2,000.00

10,273

183,197

4.37

77.87

25,410.01

137,842.18

0.51

2.77

0

10

0.00

66.67

0.00

344.25

0.00

37.29

0.00

0.25

10

2,000.00 2,500.00

6,268

189,465

2.66

80.53

19,755.65

157,597.83

0.40

3.16

2

12

13.33

80.00

347.26

691.51

37.62

74.91

1.76

0.44

11

2,500.00 3,000.00

4,998

194,463

2.12

82.65

19,315.35

176,913.18

0.39

3.55

0

12

0.00

80.00

0.00

691.51

0.00

74.91

0.00

0.39

12

3,000.00 4,000.00

6,242

200,705

2.65

85.31

29,994.86

206,908.04

0.60

4.15

0

12

0.00

80.00

0.00

691.51

0.00

74.91

0.00

0.33

13

4,000.00 5,000.00

4,471

205,176

1.90

87.21

28,224.31

235,132.35

0.57

4.72

1

13

6.67

86.67

15.75

707.25

1.71

76.62

0.06

0.30

14

5,000.00 7,500.00

6,319

211,495

2.69

89.89

53,883.89

289,016.24

1.08

5.80

1

14

6.67

93.33

15.83

723.09

1.72

78.33

0.03

0.25

15

7,500.00 10,000.00

4,093

215,588

1.74

91.63

50,169.29

339,185.53

1.01

6.81

0

14

0.00

93.33

0.00

723.09

0.00

78.33

0.00

0.21

16

10,000.00 20,000.00

6,571

222,159

2.79

94.43

129,584.99

468,770.51

2.60

9.41

0

14

0.00

93.33

0.00

723.09

0.00

78.33

0.00

0.15

17

20,000.00 50,000.00

5,990

228,149

2.55

96.97

270,273.34

739,043.86

5.42

14.83

1

15

6.67 100.00

200.00

923.09

21.67

100.00

0.07

0.12

18

50,000.00 100,000.00

3,114

231,263

1.32

98.29

292,133.84

1,031,177.70

5.86

20.70

0

15

0.00 100.00

0.00

923.09

0.00

100.00

0.00

0.09

19

100,000.00 500,000.00

3,161

234,424

1.34

99.64

946,152.23

1,977,329.92

18.99

39.69

0

15

0.00 100.00

0.00

923.09

0.00

100.00

0.00

0.05

20

500,000.00 UP

851

235,275

0.36

100.00 3,004,747.52

4,982,077.45

60.31

100.00

0

15

0.00 100.00

0.00

923.09

0.00

100.00

0.00

0.02

68



JUNI 2016



: 2013

OCCUPATION

: ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

GROSS PREMIUM (In million Rp)

NUMBER OF RISK

f (d)

F ∑(d) (e)

PERCENTAGE BAND (d)/∑(d)

CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)

INCURED CLAIM (In million Rp)

CLAIM FREQUENCY

PERCENTAGE 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

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

69

27.81



JUNI 2016



:2012

OCCUPATION

:ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

GROSS PREMIUM


F

f (d)

∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(i)

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

17,355

17,355

9.98

9.98

689.39

689.39

0.03

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

13,583

30,938

7.81

17.80

1,595.91

2,285.30

0.06

0.08

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

19,276

50,214

11.09

28.89

4,248.45

6,533.75

0.16

0.24

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

13,705

63,919

7.88

36.77

5,084.73

11,618.49

0.19

0.43

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

19,127

83,046

11.00

47.78

11,352.99

22,971.47

0.42

0.84

1

1

5.56

5.56

17.44

17.44

0.98

0.98

0.15

0.08

6

500.00 750.00

13,797

96,843

7.94

55.71

12,330.92

35,302.39

0.45

1.30

0

1

0.00

5.56

0.00

17.44

0.00

0.98

0.00

0.05

7

750.00 1,000.00

14,027

110,870

8.07

63.78

17,953.46

53,255.85

0.66

1.96

0

1

0.00

5.56

0.00

17.44

0.00

0.98

0.00

0.03

8

1,000.00 1,500.00

16,190

127,060

9.31

73.10

28,415.42

81,671.26

1.04

3.00

1

2

5.56

11.11

28.31

45.75

1.60

2.58

0.10

0.06

9

1,500.00 2,000.00

8,000

135,060

4.60

77.70

20,369.59

102,040.85

0.75

3.75

3

5

16.67

27.78

410.61

456.36

23.16

25.74

2.02

0.45

10

2,000.00 2,500.00

4,891

139,951

2.81

80.51

15,724.69

117,765.54

0.58

4.33

1

6

5.56

33.33

62.33

518.69

3.52

29.26

0.40

0.44

11

2,500.00 3,000.00

3,883

143,834

2.23

82.75

15,325.85

133,091.39

0.56

4.89

2

8

11.11

44.44

58.21

576.90

3.28

32.54

0.38

0.43

12

3,000.00 4,000.00

4,874

148,708

2.80

85.55

24,556.01

157,647.40

0.90

5.79

1

9

5.56

50.00

107.67

684.58

6.07

38.62

0.44

0.43

13

4,000.00 5,000.00

3,419

152,127

1.97

87.52

22,330.78

179,978.18

0.82

6.61

0

9

0.00

50.00

0.00

684.58

0.00

38.62

0.00

0.38

14

5,000.00 7,500.00

4,812

156,939

2.77

90.28

41,931.73

221,909.91

1.54

8.15

2

11

11.11

61.11

319.96

1,004.53

18.05

56.67

0.76

0.45

15

7,500.00 10,000.00

3,140

160,079

1.81

92.09

39,175.48

261,085.39

1.44

9.59

2

13

11.11

72.22

462.93

1,467.46

26.11

82.78

1.18

0.56

16

10,000.00 20,000.00

4,947

165,026

2.85

94.94

100,940.51

362,025.91

3.71

13.30

4

17

22.22

94.44

301.07

1,768.53

16.98

99.77

0.30

0.49

17

20,000.00 50,000.00

4,109

169,135

2.36

97.30

181,554.10

543,580.00

6.67

19.97

0

17

0.00

94.44

0.00

1,768.53

0.00

99.77

0.00

0.33

18

50,000.00 100,000.00

2,063

171,198

1.19

98.49

195,321.27

738,901.28

7.18

27.15

0

17

0.00

94.44

0.00

1,768.53

0.00

99.77

0.00

0.24

19

100,000.00 500,000.00

2,078

173,276

1.20

99.68

599,151.15

1,338,052.43

22.02

49.17

1

18

5.56 100.00

4.14

1,772.67

0.23

100.00

0.00

0.13

20

500,000.00 UP

551

173,827

0.32

100.00 1,383,349.21

2,721,401.64

50.83

100.00

0

18

0.00 100.00

0.00

1,772.67

0.00

100.00

0.00

0.07

70



JUNI 2016



: 2016

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d) (e)

PERCENTAGE

Rp

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

22

22

11.64

11.64

1.18

1.18

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

18

40

9.52

21.16

2.40

3.57

0.04

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

15

55

7.94

29.10

3.63

7.20

0.07

0.13

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

11

66

5.82

34.92

4.27

11.47

0.08

0.21

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

8

74

4.23

39.15

6.14

17.61

0.11

0.32

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

11

85

5.82

44.97

11.58

29.19

0.21

0.53

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

5

90

2.65

47.62

5.37

34.56

0.10

0.63

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

8

98

4.23

51.85

13.96

48.52

0.25

0.88

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

12

110

6.35

58.20

28.92

77.44

0.53

1.41

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

4

114

2.12

60.32

14.34

91.78

0.26

1.67

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

1

115

0.53

60.85

2.85

94.63

0.05

1.72

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

2

117

1.06

61.90

8.11

102.74

0.15

1.87

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

0

117

0.00

61.90

0.00

102.74

0.00

1.87

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

7

124

3.70

65.61

55.90

158.64

1.02

2.89

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

5

129

2.65

68.25

48.96

207.60

0.89

3.78

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

10

139

5.29

73.54

224.30

431.91

4.08

7.86

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

20

159

10.58

84.13

687.56

1,119.46

12.51

20.37

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

15

174

7.94

92.06

1,440.66

2,560.13

26.22

46.59

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

15

189

7.94

100.00

2,935.31

5,495.44

53.41

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

0

189

0.00

100.00

0.00

5,495.44

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

71



JUNI 2016



: 2016

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

f

(b)

(c)

(d)

1

0.00 50.00

2

GROSS PREMIUM


F ∑(d) (e)

PERCENTAGE

Rp

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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)

964

964

3.84

3.84

31.79

31.79

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

1,604

2,568

6.39

10.24

173.30

205.10

0.07

0.08

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

1,512

4,080

6.03

16.26

344.38

549.47

0.14

0.23

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

1,652

5,732

6.59

22.85

632.41

1,181.88

0.26

0.49

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

2,763

8,495

11.01

33.86

1,646.77

2,828.65

0.68

1.17

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

2,403

10,898

9.58

43.44

2,083.27

4,911.92

0.86

2.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

2,581

13,479

10.29

53.73

3,164.26

8,076.19

1.30

3.33

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

2,560

16,039

10.21

63.94

4,217.36

12,293.54

1.74

5.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

1,656

17,695

6.60

70.54

4,026.32

16,319.87

1.66

6.72

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

945

18,640

3.77

74.31

2,876.76

19,196.63

1.19

7.91

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

788

19,428

3.14

77.45

2,884.29

22,080.92

1.19

9.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

956

20,384

3.81

81.26

4,454.03

26,534.95

1.84

10.93

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

754

21,138

3.01

84.27

4,649.62

31,184.57

1.92

12.85

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

1,016

22,154

4.05

88.32

8,230.45

39,415.02

3.39

16.24

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

647

22,801

2.58

90.89

7,514.81

46,929.83

3.10

19.34

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

911

23,712

3.63

94.53

16,443.59

63,373.42

6.78

26.11

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

703

24,415

2.80

97.33

28,552.88

91,926.30

11.76

37.88

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

371

24,786

1.48

98.81

32,522.65

124,448.95

13.40

51.27

1

1

100.00 100.00

200.00

200.00

100.00

100.00

0.61

0.16

19

100,000.00 500,000.00

260

25,046

1.04

99.84

64,782.00

189,230.95

26.69

77.97

0

1

0.00 100.00

0.00

200.00

0.00

100.00

0.00

0.11

20

500,000.00 UP

39

25,085

0.16

100.00

53,478.68

242,709.63

22.03

100.00

0

1

0.00 100.00

0.00

200.00

0.00

100.00

0.00

0.08

72



JUNI 2016



: 2016

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d) (e)

PERCENTAGE

Rp

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

65

65

1.53

1.53

3.23

3.23

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

466

531

11.00

12.54

48.07

51.30

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

103

634

2.43

14.97

22.80

74.10

0.00

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

78

712

1.84

16.81

27.99

102.09

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

210

922

4.96

21.77

115.09

217.18

0.02

0.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

144

1,066

3.40

25.17

122.35

339.53

0.02

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

160

1,226

3.78

28.94

192.00

531.53

0.04

0.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

207

1,433

4.89

33.83

355.40

886.93

0.07

0.16

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

156

1,589

3.68

37.51

383.23

1,270.16

0.07

0.23

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

142

1,731

3.35

40.86

428.31

1,698.47

0.08

0.31

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

110

1,841

2.60

43.46

392.38

2,090.85

0.07

0.39

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

166

2,007

3.92

47.38

760.20

2,851.05

0.14

0.53

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

159

2,166

3.75

51.13

915.30

3,766.35

0.17

0.70

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

221

2,387

5.22

56.35

1,777.18

5,543.53

0.33

1.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

197

2,584

4.65

61.00

2,208.05

7,751.58

0.41

1.43

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

407

2,991

9.61

70.61

7,297.59

15,049.17

1.35

2.78

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

438

3,429

10.34

80.95

17,216.86

32,266.03

3.18

5.96

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

302

3,731

7.13

88.08

26,783.34

59,049.37

4.94

10.90

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

341

4,072

8.05

96.13

88,539.91

147,589.28

16.34

27.24

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

164

4,236

3.87

100.00

394,207.72

541,797.01

72.76

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

73



JUNI 2016



: 2016

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

f

(b)

(c)

(d)

1

0.00 50.00

2

GROSS PREMIUM


F ∑(d) (e)

PERCENTAGE

Rp

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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)

793

793

3.22

3.22

28.32

28.32

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

1,711

2,504

6.94

10.15

200.81

229.13

0.15

0.17

1

1

25.00

25.00

75.00

75.00

19.48

19.48

37.35

32.73

3

100.00 200.00

2,612

5,116

10.59

20.75

578.39

807.51

0.43

0.60

0

1

0.00

25.00

0.00

75.00

0.00

19.48

0.00

9.29

4

200.00 300.00

3,048

8,164

12.36

33.10

1,062.62

1,870.14

0.79

1.38

0

1

0.00

25.00

0.00

75.00

0.00

19.48

0.00

4.01

5

300.00 500.00

4,043

12,207

16.39

49.50

2,231.08

4,101.22

1.65

3.03

1

2

25.00

50.00

50.00

125.00

12.99

32.47

2.24

3.05

6

500.00 750.00

2,796

15,003

11.34

60.84

2,341.37

6,442.58

1.73

4.76

2

4

50.00 100.00

260.00

385.00

67.53

100.00

11.10

5.98

7

750.00 1,000.00

2,204

17,207

8.94

69.77

2,673.20

9,115.78

1.98

6.74

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

4.22

8

1,000.00 1,500.00

2,216

19,423

8.99

78.76

3,716.66

12,832.45

2.75

9.49

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

3.00

9

1,500.00 2,000.00

1,261

20,684

5.11

83.87

2,929.03

15,761.48

2.17

11.66

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

2.44

10

2,000.00 2,500.00

731

21,415

2.96

86.84

2,180.27

17,941.75

1.61

13.27

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

2.15

11

2,500.00 3,000.00

529

21,944

2.15

88.98

1,975.81

19,917.56

1.46

14.73

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

1.93

12

3,000.00 4,000.00

637

22,581

2.58

91.57

2,868.16

22,785.72

2.12

16.85

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

1.69

13

4,000.00 5,000.00

442

23,023

1.79

93.36

2,648.03

25,433.75

1.96

18.81

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

1.51

14

5,000.00 7,500.00

495

23,518

2.01

95.37

3,870.30

29,304.06

2.86

21.67

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

1.31

15

7,500.00 10,000.00

294

23,812

1.19

96.56

3,318.63

32,622.69

2.45

24.12

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

1.18

16

10,000.00 20,000.00

360

24,172

1.46

98.02

6,548.22

39,170.91

4.84

28.97

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

0.98

17

20,000.00 50,000.00

235

24,407

0.95

98.97

9,253.40

48,424.31

6.84

35.81

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

0.80

18

50,000.00 100,000.00

92

24,499

0.37

99.34

8,295.44

56,719.75

6.13

41.94

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

0.68

19

100,000.00 500,000.00

129

24,628

0.52

99.87

36,920.22

93,639.97

27.30

69.24

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

0.41

20

500,000.00 UP

33

24,661

0.13

100.00

41,593.27

135,233.24

30.76

100.00

0

4

0.00 100.00

0.00

385.00

0.00

100.00

0.00

0.28

74



JUNI 2016



: 2015

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d) (e)

PERCENTAGE

Rp

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

2

0.51

0.51

0.10

0.10

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

8

10

2.05

2.56

1.11

1.21

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

11

21

2.82

5.38

2.29

3.50

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

8

29

2.05

7.44

2.96

6.45

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

8

37

2.05

9.49

4.52

10.97

0.02

0.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

14

51

3.59

13.08

11.87

22.84

0.04

0.08

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

10

61

2.56

15.64

12.39

35.23

0.04

0.12

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

18

79

4.62

20.26

26.41

61.64

0.09

0.21

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

13

92

3.33

23.59

32.08

93.72

0.11

0.32

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

13

105

3.33

26.92

42.74

136.46

0.14

0.46

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

3

108

0.77

27.69

13.63

150.09

0.05

0.51

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

12

120

3.08

30.77

58.95

209.03

0.20

0.70

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

13

133

3.33

34.10

78.66

287.69

0.26

0.97

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

17

150

4.36

38.46

139.55

427.24

0.47

1.44

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

16

166

4.10

42.56

160.97

588.21

0.54

1.98

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

34

200

8.72

51.28

707.00

1,295.21

2.38

4.36

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

42

242

10.77

62.05

2,054.24

3,349.45

6.92

11.28

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

53

295

13.59

75.64

4,939.90

8,289.35

16.64

27.93

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

95

390

24.36

100.00

21,394.38

29,683.73

72.07

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

0

390

0.00

100.00

0.00

29,683.73

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

75



JUNI 2016



: 2015

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(i)

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

8,683

8,683

7.01

7.01

249.81

249.81

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

5,119

13,802

4.13

11.14

578.30

828.11

0.03

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

8,524

22,326

6.88

18.03

1,779.16

2,607.27

0.10

0.15

2

2

8.00

8.00

59.65

59.65

1.00

1.00

3.35

2.29

4

200.00 300.00

9,072

31,398

7.33

25.35

3,450.36

6,057.63

0.19

0.34

2

4

8.00

16.00

187.90

247.55

3.15

4.15

5.45

4.09

5

300.00 500.00

12,857

44,255

10.38

35.73

7,349.57

13,407.19

0.41

0.75

0

4

0.00

16.00

0.00

247.55

0.00

4.15

0.00

1.85

6

500.00 750.00

17,769

62,024

14.35

50.08

14,733.25

28,140.44

0.82

1.57

2

6

8.00

24.00

98.67

346.22

1.66

5.81

0.67

1.23

7

750.00 1,000.00

16,077

78,101

12.98

63.06

18,915.82

47,056.27

1.05

2.62

0

6

0.00

24.00

0.00

346.22

0.00

5.81

0.00

0.74

8

1,000.00 1,500.00

11,103

89,204

8.97

72.03

18,462.24

65,518.50

1.03

3.65

0

6

0.00

24.00

0.00

346.22

0.00

5.81

0.00

0.53

9

1,500.00 2,000.00

6,123

95,327

4.94

76.97

14,804.24

80,322.74

0.82

4.47

1

7

4.00

28.00

10.00

356.22

0.17

5.98

0.07

0.44

10

2,000.00 2,500.00

4,014

99,341

3.24

80.21

12,250.69

92,573.43

0.68

5.16

2

9

8.00

36.00

200.48

556.70

3.36

9.34

1.64

0.60

11

2,500.00 3,000.00

2,890

102,231

2.33

82.55

10,922.23

103,495.66

0.61

5.77

1

10

4.00

40.00

12.98

569.68

0.22

9.56

0.12

0.55

12

3,000.00 4,000.00

3,565

105,796

2.88

85.43

17,090.80

120,586.46

0.95

6.72

2

12

8.00

48.00

29.37

599.04

0.49

10.05

0.17

0.50

13

4,000.00 5,000.00

2,596

108,392

2.10

87.52

16,288.27

136,874.73

0.91

7.63

0

12

0.00

48.00

0.00

599.04

0.00

10.05

0.00

0.44

14

5,000.00 7,500.00

3,981

112,373

3.21

90.74

33,347.06

170,221.79

1.86

9.48

3

15

12.00

60.00

801.97

1,401.02

13.46

23.51

2.40

0.82

15

7,500.00 10,000.00

2,472

114,845

2.00

92.73

29,076.07

199,297.86

1.62

11.10

1

16

4.00

64.00

700.00

2,101.02

11.75

35.26

2.41

1.05

16

10,000.00 20,000.00

3,828

118,673

3.09

95.82

72,349.90

271,647.76

4.03

15.13

1

17

4.00

68.00

300.00

2,401.02

5.03

40.29

0.41

0.88

17

20,000.00 50,000.00

2,840

121,513

2.29

98.12

123,976.31

395,624.07

6.91

22.04

6

23

24.00

92.00

1,912.13

4,313.14

32.09

72.38

1.54

1.09

18

50,000.00 100,000.00

1,167

122,680

0.94

99.06

112,740.28

508,364.35

6.28

28.32

0

23

0.00

92.00

0.00

4,313.14

0.00

72.38

0.00

0.85

19

100,000.00 500,000.00

1,002

123,682

0.81

99.87

259,236.67

767,601.02

14.44

42.76

1

24

4.00

96.00

1,000.00

5,313.14

16.78

89.16

0.39

0.69

20

500,000.00 UP

163

123,845

0.13

100.00 1,027,432.55

1,795,033.57

57.24

100.00

1

25

4.00 100.00

646.26

5,959.41

10.84

100.00

0.06

0.33

76



JUNI 2016



: 2015

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d) (e)

PERCENTAGE

Rp

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

537

537

3.13

3.13

16.73

16.73

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

712

1,249

4.15

7.28

83.08

99.81

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

499

1,748

2.91

10.18

109.51

209.32

0.00

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

418

2,166

2.44

12.62

153.12

362.43

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

664

2,830

3.87

16.49

404.79

767.22

0.01

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

699

3,529

4.07

20.56

620.11

1,387.34

0.02

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

598

4,127

3.48

24.04

784.54

2,171.88

0.03

0.08

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

856

4,983

4.99

29.03

1,540.27

3,712.15

0.05

0.13

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

631

5,614

3.68

32.71

1,554.45

5,266.60

0.06

0.19

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

489

6,103

2.85

35.55

1,541.61

6,808.21

0.05

0.24

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

426

6,529

2.48

38.04

1,633.12

8,441.33

0.06

0.30

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

683

7,212

3.98

42.02

3,276.68

11,718.01

0.12

0.42

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

543

7,755

3.16

45.18

3,471.70

15,189.71

0.12

0.54

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

995

8,750

5.80

50.98

8,465.66

23,655.37

0.30

0.84

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

839

9,589

4.89

55.86

9,706.36

33,361.73

0.34

1.18

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

1,706

11,295

9.94

65.80

32,818.36

66,180.09

1.17

2.35

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

2,046

13,341

11.92

77.72

88,356.89

154,536.97

3.14

5.49

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

1,297

14,638

7.56

85.28

118,488.51

273,025.48

4.21

9.69

1

1

50.00

50.00

700.00

700.00

9.11

9.11

0.59

0.26

19

100,000.00 500,000.00

1,821

16,459

10.61

95.89

508,170.50

781,195.98

18.04

27.73

1

2

50.00 100.00

6,980.97

7,680.97

90.89

100.00

1.37

0.98

20

500,000.00 UP

706

17,165

4.11

100.00 2,035,519.10

2,816,715.07

72.27

100.00

0

2

0.00 100.00

0.00

7,680.97

0.00

100.00

0.00

0.27

77



JUNI 2016



: 2015

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(i)

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

4,135

4,135

4.88

4.88

130.25

130.25

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

6,325

10,460

7.47

12.35

673.33

803.58

0.12

0.15

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

10,930

21,390

12.91

25.26

2,159.45

2,963.03

0.40

0.54

1

1

9.09

9.09

50.00

50.00

2.69

2.69

2.32

1.69

4

200.00 300.00

8,334

29,724

9.84

35.11

2,973.45

5,936.48

0.55

1.09

0

1

0.00

9.09

0.00

50.00

0.00

2.69

0.00

0.84

5

300.00 500.00

12,732

42,456

15.04

50.14

7,053.95

12,990.43

1.29

2.38

0

1

0.00

9.09

0.00

50.00

0.00

2.69

0.00

0.38

6

500.00 750.00

8,992

51,448

10.62

60.76

7,441.96

20,432.39

1.37

3.75

1

2

9.09

18.18

10.00

60.00

0.54

3.23

0.13

0.29

7

750.00 1,000.00

7,126

58,574

8.42

69.18

8,403.94

28,836.34

1.54

5.29

0

2

0.00

18.18

0.00

60.00

0.00

3.23

0.00

0.21

8

1,000.00 1,500.00

7,266

65,840

8.58

77.76

11,927.17

40,763.51

2.19

7.48

4

6

36.36

54.55

136.22

196.22

7.34

10.57

1.14

0.48

9

1,500.00 2,000.00

4,136

69,976

4.88

82.65

9,564.02

50,327.53

1.76

9.24

1

7

9.09

63.64

21.53

217.75

1.16

11.73

0.23

0.43

10

2,000.00 2,500.00

2,669

72,645

3.15

85.80

7,879.83

58,207.36

1.45

10.68

0

7

0.00

63.64

0.00

217.75

0.00

11.73

0.00

0.37

11

2,500.00 3,000.00

1,923

74,568

2.27

88.07

7,013.01

65,220.36

1.29

11.97

2

9

18.18

81.82

139.56

357.31

7.52

19.24

1.99

0.55

12

3,000.00 4,000.00

2,368

76,936

2.80

90.87

10,816.80

76,037.16

1.99

13.96

1

10

9.09

90.91

237.50

594.81

12.79

32.03

2.20

0.78

13

4,000.00 5,000.00

1,501

78,437

1.77

92.64

8,995.72

85,032.89

1.65

15.61

0

10

0.00

90.91

0.00

594.81

0.00

32.03

0.00

0.70

14

5,000.00 7,500.00

1,911

80,348

2.26

94.90

15,362.25

100,395.14

2.82

18.43

1

11

9.09 100.00

1,262.25

1,857.06

67.97

100.00

8.22

1.85

15

7,500.00 10,000.00

1,029

81,377

1.22

96.11

11,911.17

112,306.30

2.19

20.61

0

11

0.00 100.00

0.00

1,857.06

0.00

100.00

0.00

1.65

16

10,000.00 20,000.00

1,400

82,777

1.65

97.77

26,025.47

138,331.77

4.78

25.39

0

11

0.00 100.00

0.00

1,857.06

0.00

100.00

0.00

1.34

17

20,000.00 50,000.00

945

83,722

1.12

98.88

38,501.19

176,832.96

7.07

32.46

0

11

0.00 100.00

0.00

1,857.06

0.00

100.00

0.00

1.05

18

50,000.00 100,000.00

367

84,089

0.43

99.31

35,672.09

212,505.05

6.55

39.00

0

11

0.00 100.00

0.00

1,857.06

0.00

100.00

0.00

0.87

19

100,000.00 500,000.00

492

84,581

0.58

99.90

144,621.72

357,126.77

26.54

65.55

0

11

0.00 100.00

0.00

1,857.06

0.00

100.00

0.00

0.52

20

500,000.00 UP

88

84,669

0.10

100.00

187,694.66

544,821.43

34.45

100.00

0

11

0.00 100.00

0.00

1,857.06

0.00

100.00

0.00

0.34

78



JUNI 2016



: 2014

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)

FROM

TO

f

(b)

(c)

(d)

1

0.00 50.00

2

GROSS PREMIUM


F ∑(d) (e)

PERCENTAGE

Rp

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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)

154

154

20.45

20.45

2.89

2.89

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

7

161

0.93

21.38

0.71

3.60

0.00

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

11

172

1.46

22.84

1.78

5.37

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

6

178

0.80

23.64

2.55

7.92

0.01

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

12

190

1.59

25.23

5.99

13.91

0.02

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

11

201

1.46

26.69

5.81

19.72

0.02

0.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

16

217

2.12

28.82

12.58

32.30

0.04

0.11

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

26

243

3.45

32.27

35.37

67.67

0.12

0.23

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

32

275

4.25

36.52

64.32

131.99

0.22

0.45

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

25

300

3.32

39.84

71.43

203.42

0.25

0.70

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

19

319

2.52

42.36

45.19

248.61

0.16

0.85

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

36

355

4.78

47.14

151.84

400.45

0.52

1.37

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

36

391

4.78

51.93

173.00

573.45

0.59

1.97

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

50

441

6.64

58.57

331.20

904.65

1.14

3.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

42

483

5.58

64.14

406.67

1,311.32

1.40

4.50

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

49

532

6.51

70.65

467.64

1,778.96

1.60

6.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

73

605

9.69

80.35

2,732.93

4,511.89

9.38

15.48

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

65

670

8.63

88.98

5,026.50

9,538.39

17.24

32.72

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

82

752

10.89

99.87

18,158.96

27,697.36

62.30

95.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

1

753

0.13

100.00

1,452.46

29,149.82

4.98

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

79



JUNI 2016



: 2014

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

GROSS PREMIUM


F

f (d)

∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(i)

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

16,426

16,426

13.19

13.19

470.66

470.66

0.04

0.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

6,536

22,962

5.25

18.43

774.27

1,244.93

0.07

0.11

1

1

10.00

10.00

12.24

12.24

1.96

1.96

1.58

0.98

3

100.00 200.00

8,300

31,262

6.66

25.10

1,865.35

3,110.28

0.17

0.28

0

1

0.00

10.00

0.00

12.24

0.00

1.96

0.00

0.39

4

200.00 300.00

6,111

37,373

4.91

30.00

2,298.06

5,408.34

0.21

0.48

2

3

20.00

30.00

48.74

60.97

7.80

9.76

2.12

1.13

5

300.00 500.00

15,496

52,869

12.44

42.45

9,884.11

15,292.45

0.88

1.37

0

3

0.00

30.00

0.00

60.97

0.00

9.76

0.00

0.40

6

500.00 750.00

16,271

69,140

13.06

55.51

15,848.42

31,140.87

1.42

2.78

1

4

10.00

40.00

12.24

73.21

1.96

11.72

0.08

0.24

7

750.00 1,000.00

15,191

84,331

12.20

67.70

19,987.69

51,128.55

1.79

4.57

1

5

10.00

50.00

60.00

133.21

9.61

21.33

0.30

0.26

8

1,000.00 1,500.00

9,324

93,655

7.49

75.19

16,770.19

67,898.74

1.50

6.07

1

6

10.00

60.00

112.50

245.71

18.01

39.34

0.67

0.36

9

1,500.00 2,000.00

5,369

99,024

4.31

79.50

13,931.54

81,830.28

1.25

7.32

0

6

0.00

60.00

0.00

245.71

0.00

39.34

0.00

0.30

10

2,000.00 2,500.00

3,126

102,150

2.51

82.01

10,421.43

92,251.72

0.93

8.25

2

8

20.00

80.00

347.26

592.97

55.60

94.94

3.33

0.64

11

2,500.00 3,000.00

2,587

104,737

2.08

84.09

10,449.21

102,700.93

0.93

9.18

0

8

0.00

80.00

0.00

592.97

0.00

94.94

0.00

0.58

12

3,000.00 4,000.00

3,150

107,887

2.53

86.62

15,781.43

118,482.36

1.41

10.60

0

8

0.00

80.00

0.00

592.97

0.00

94.94

0.00

0.50

13

4,000.00 5,000.00

2,352

110,239

1.89

88.50

15,360.99

133,843.35

1.37

11.97

1

9

10.00

90.00

15.75

608.72

2.52

97.47

0.10

0.45

14

5,000.00 7,500.00

3,372

113,611

2.71

91.21

29,951.04

163,794.39

2.68

14.65

1

10

10.00 100.00

15.83

624.55

2.53

100.00

0.05

0.38

15

7,500.00 10,000.00

2,170

115,781

1.74

92.95

26,905.49

190,699.87

2.41

17.05

0

10

0.00 100.00

0.00

624.55

0.00

100.00

0.00

0.33

16

10,000.00 20,000.00

3,375

119,156

2.71

95.66

67,492.89

258,192.76

6.04

23.09

0

10

0.00 100.00

0.00

624.55

0.00

100.00

0.00

0.24

17

20,000.00 50,000.00

2,938

122,094

2.36

98.02

134,937.93

393,130.69

12.07

35.16

0

10

0.00 100.00

0.00

624.55

0.00

100.00

0.00

0.16

18

50,000.00 100,000.00

1,409

123,503

1.13

99.15

121,919.55

515,050.24

10.90

46.06

0

10

0.00 100.00

0.00

624.55

0.00

100.00

0.00

0.12

19

100,000.00 500,000.00

921

124,424

0.74

99.89

257,556.94

772,607.18

23.03

69.09

0

10

0.00 100.00

0.00

624.55

0.00

100.00

0.00

0.08

20

500,000.00 UP

134

124,558

0.11

100.00

345,620.28

1,118,227.46

30.91

100.00

0

10

0.00 100.00

0.00

624.55

0.00

100.00

0.00

0.06

80



JUNI 2016



: 2014

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a)

FROM

TO

f

(b)

(c)

(d)

1

0.00 50.00

2

GROSS PREMIUM


F

PERCENTAGE

Rp

∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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)

1,342

1,342

7.10

7.10

39.75

39.75

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

437

1,779

2.31

9.41

45.98

85.73

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

657

2,436

3.48

12.89

138.40

224.14

0.00

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

464

2,900

2.45

15.34

165.09

389.23

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

728

3,628

3.85

19.19

440.75

829.97

0.01

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

788

4,416

4.17

23.36

706.34

1,536.31

0.02

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

773

5,189

4.09

27.45

940.64

2,476.95

0.03

0.08

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

1,027

6,216

5.43

32.88

1,791.52

4,268.47

0.06

0.13

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

780

6,996

4.13

37.01

1,933.40

6,201.87

0.06

0.19

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

601

7,597

3.18

40.19

1,875.29

8,077.16

0.06

0.25

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

506

8,103

2.68

42.87

1,916.44

9,993.60

0.06

0.31

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

827

8,930

4.37

47.24

3,923.54

13,917.14

0.12

0.43

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

604

9,534

3.20

50.44

3,779.14

17,696.28

0.12

0.55

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

1,098

10,632

5.81

56.25

9,354.75

27,051.03

0.29

0.84

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

881

11,513

4.66

60.91

11,105.24

38,156.27

0.34

1.19

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

1,775

13,288

9.39

70.30

34,992.65

73,148.92

1.09

2.27

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

2,049

15,337

10.84

81.14

93,601.68

166,750.60

2.91

5.18

1

1

100.00 100.00

200.00

200.00

100.00

100.00

0.21

0.12

18

50,000.00 100,000.00

1,271

16,608

6.72

87.86

128,527.19

295,277.79

3.99

9.17

0

1

0.00 100.00

0.00

200.00

0.00

100.00

0.00

0.07

19

100,000.00 500,000.00

1,663

18,271

8.80

96.66

530,855.10

826,132.89

16.49

25.66

0

1

0.00 100.00

0.00

200.00

0.00

100.00

0.00

0.02

20

500,000.00 UP

632

18,903

3.34

100.00 2,393,193.92

3,219,326.81

74.34

100.00

0

1

0.00 100.00

0.00

200.00

0.00

100.00

0.00

0.01

81



JUNI 2016



: 2014

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(i)

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

9,235

9,235

10.14

10.14

291.68

291.68

0.05

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

8,555

17,790

9.39

19.54

1,074.41

1,366.09

0.17

0.22

1

1

25.00

25.00

15.91

15.91

16.14

16.14

1.48

1.16

3

100.00 200.00

10,794

28,584

11.85

31.39

2,250.17

3,616.26

0.37

0.59

0

1

0.00

25.00

0.00

15.91

0.00

16.14

0.00

0.44

4

200.00 300.00

8,561

37,145

9.40

40.79

3,014.97

6,631.23

0.49

1.08

1

2

25.00

50.00

7.55

23.45

7.66

23.80

0.25

0.35

5

300.00 500.00

12,750

49,895

14.00

54.79

6,842.74

13,473.97

1.11

2.19

0

2

0.00

50.00

0.00

23.45

0.00

23.80

0.00

0.17

6

500.00 750.00

8,915

58,810

9.79

64.58

7,272.55

20,746.52

1.18

3.37

1

3

25.00

75.00

22.16

45.62

22.49

46.30

0.30

0.22

7

750.00 1,000.00

7,092

65,902

7.79

72.37

8,210.28

28,956.80

1.33

4.71

1

4

25.00 100.00

52.92

98.54

53.70

100.00

0.64

0.34

8

1,000.00 1,500.00

6,908

72,810

7.59

79.96

11,240.48

40,197.28

1.83

6.53

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.25

9

1,500.00 2,000.00

4,092

76,902

4.49

84.45

9,480.75

49,678.03

1.54

8.07

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.20

10

2,000.00 2,500.00

2,516

79,418

2.76

87.21

7,387.51

57,065.54

1.20

9.27

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.17

11

2,500.00 3,000.00

1,886

81,304

2.07

89.29

6,904.50

63,970.04

1.12

10.40

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.15

12

3,000.00 4,000.00

2,229

83,533

2.45

91.73

10,138.05

74,108.09

1.65

12.04

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.13

13

4,000.00 5,000.00

1,479

85,012

1.62

93.36

8,911.19

83,019.28

1.45

13.49

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.12

14

5,000.00 7,500.00

1,799

86,811

1.98

95.33

14,246.90

97,266.17

2.32

15.81

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.10

15

7,500.00 10,000.00

1,000

87,811

1.10

96.43

11,751.89

109,018.06

1.91

17.72

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.09

16

10,000.00 20,000.00

1,372

89,183

1.51

97.94

26,631.81

135,649.87

4.33

22.04

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.07

17

20,000.00 50,000.00

930

90,113

1.02

98.96

39,000.80

174,650.68

6.34

28.38

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.06

18

50,000.00 100,000.00

369

90,482

0.41

99.36

36,660.60

211,311.27

5.96

34.34

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.05

19

100,000.00 500,000.00

495

90,977

0.54

99.91

139,581.22

350,892.49

22.68

57.02

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.03

20

500,000.00 UP

84

91,061

0.09

100.00

264,480.87

615,373.36

42.98

100.00

0

4

0.00 100.00

0.00

98.54

0.00

100.00

0.00

0.02

82



JUNI 2016



: 2013

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d) (e)

PERCENTAGE

Rp

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

11

11

2.06

2.06

0.32

0.32

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

0

11

0.00

2.06

0.07

0.39

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

7

18

1.31

3.36

1.37

1.77

0.00

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

12

30

2.24

5.61

3.92

5.68

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

22

52

4.11

9.72

12.07

17.76

0.03

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

27

79

5.05

14.77

21.04

38.79

0.06

0.11

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

16

95

2.99

17.76

16.17

54.97

0.05

0.16

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

18

113

3.36

21.12

32.44

87.41

0.09

0.25

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

21

134

3.93

25.05

42.61

130.02

0.12

0.37

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

18

152

3.36

28.41

57.80

187.82

0.16

0.53

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

14

166

2.62

31.03

54.62

242.44

0.15

0.69

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

21

187

3.93

34.95

86.75

329.19

0.25

0.93

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

20

207

3.74

38.69

151.05

480.24

0.43

1.36

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

38

245

7.10

45.79

281.77

762.00

0.80

2.16

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

24

269

4.49

50.28

295.55

1,057.55

0.84

3.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

38

307

7.10

57.38

631.91

1,689.46

1.79

4.79

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

77

384

14.39

71.78

3,015.24

4,704.70

8.55

13.35

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

80

464

14.95

86.73

8,034.58

12,739.28

22.79

36.14

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

68

532

12.71

99.44

14,907.45

27,646.73

42.29

78.43

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

3

535

0.56

100.00

7,604.09

35,250.82

21.57

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

83



JUNI 2016



: 2013

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(i)

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

8,490

8,490

8.43

8.43

372.72

372.72

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

8,886

17,376

8.83

17.26

1,018.75

1,391.47

0.06

0.08

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,255

26,631

9.19

26.45

2,083.24

3,474.71

0.11

0.19

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

6,224

32,855

6.18

32.63

2,395.58

5,870.29

0.13

0.32

1

1

2.04

2.04

12.83

12.83

0.00

0.00

0.54

0.22

5

300.00 500.00

9,495

42,350

9.43

42.06

5,845.65

11,715.94

0.32

0.65

4

5

8.16

10.20

251.73

264.56

0.09

0.10

4.31

2.26

6

500.00 750.00

8,152

50,502

8.10

50.16

7,409.12

19,125.06

0.41

1.06

2

7

4.08

14.29

113.57

378.12

0.04

0.14

1.53

1.98

7

750.00 1,000.00

8,411

58,913

8.35

58.51

11,076.87

30,201.93

0.61

1.67

6

13

12.24

26.53

171.57

549.69

0.06

0.20

1.55

1.82

8

1,000.00 1,500.00

13,413

72,326

13.32

71.84

23,657.85

53,859.79

1.31

2.97

14

27

28.57

55.10

638.40

1,188.09

0.24

0.44

2.70

2.21

9

1,500.00 2,000.00

5,556

77,882

5.52

77.35

14,174.23

68,034.02

0.78

3.75

2

29

4.08

59.18

184.66

1,372.75

0.07

0.51

1.30

2.02

10

2,000.00 2,500.00

3,347

81,229

3.32

80.68

11,073.41

79,107.43

0.61

4.37

0

29

0.00

59.18

0.00

1,372.75

0.00

0.51

0.00

1.74

11

2,500.00 3,000.00

2,465

83,694

2.45

83.13

9,884.71

88,992.14

0.55

4.91

1

30

2.04

61.22

756.64

2,129.39

0.28

0.79

7.65

2.39

12

3,000.00 4,000.00

3,009

86,703

2.99

86.11

15,278.72

104,270.85

0.84

5.75

3

33

6.12

67.35

497.49

2,626.88

0.18

0.97

3.26

2.52

13

4,000.00 5,000.00

2,246

88,949

2.23

88.35

14,659.31

118,930.16

0.81

6.56

0

33

0.00

67.35

0.00

2,626.88

0.00

0.97

0.00

2.21

14

5,000.00 7,500.00

2,927

91,876

2.91

91.25

26,105.22

145,035.38

1.44

8.00

2

35

4.08

71.43

615.87

3,242.75

0.23

1.20

2.36

2.24

15

7,500.00 10,000.00

1,936

93,812

1.92

93.18

24,698.66

169,734.04

1.36

9.37

1

36

2.04

73.47

9.19

3,251.93

0.00

1.20

0.04

1.92

16

10,000.00 20,000.00

2,856

96,668

2.84

96.01

57,611.17

227,345.20

3.18

12.55

2

38

4.08

77.55

766.32

4,018.25

0.28

1.48

1.33

1.77

17

20,000.00 50,000.00

2,272

98,940

2.26

98.27

101,686.27

329,031.48

5.61

18.16

1

39

2.04

79.59

30.00

4,048.25

0.01

1.49

0.03

1.23

18

50,000.00 100,000.00

880

99,820

0.87

99.14

86,680.07

415,711.55

4.78

22.94

4

43

8.16

87.76

7,582.27

11,630.52

2.80

4.29

8.75

2.80

19

100,000.00 500,000.00

737

100,557

0.73

99.87

204,973.86

620,685.41

11.31

34.25

5

48

10.20

97.96 259,588.19

271,218.71

95.70

99.99

126.64

43.70

20

500,000.00 UP

126

100,683

0.13

100.00 1,191,282.95

1,811,968.36

65.75

100.00

1

49

271,246.52

0.01

100.00

0.00

14.97

84

2.04 100.00

27.81



JUNI 2016



: 2013

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a)

FROM

TO

f

(b)

(c)

(d)

1

0.00 50.00

2

GROSS PREMIUM


F

PERCENTAGE

Rp

∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

1,687

9.15

9.15

43.99

43.99

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

410

2,097

2.22

11.38

47.24

91.23

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

640

2,737

3.47

14.85

151.09

242.32

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

583

3,320

3.16

18.01

200.66

442.98

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

760

4,080

4.12

22.13

480.73

923.70

0.02

0.04

1

1

20.00

20.00

17.43

17.43

1.96

1.96

3.63

1.89

6

500.00 750.00

795

4,875

4.31

26.45

772.20

1,695.90

0.03

0.08

0

1

0.00

20.00

0.00

17.43

0.00

1.96

0.00

1.03

7

750.00 1,000.00

746

5,621

4.05

30.49

977.33

2,673.24

0.04

0.12

0

1

0.00

20.00

0.00

17.43

0.00

1.96

0.00

0.65

8

1,000.00 1,500.00

1,050

6,671

5.70

36.19

1,960.71

4,633.95

0.09

0.21

0

1

0.00

20.00

0.00

17.43

0.00

1.96

0.00

0.38

9

1,500.00 2,000.00

782

7,453

4.24

40.43

2,084.51

6,718.46

0.09

0.30

0

1

0.00

20.00

0.00

17.43

0.00

1.96

0.00

0.26

10

2,000.00 2,500.00

628

8,081

3.41

43.84

2,202.27

8,920.73

0.10

0.40

1

2

20.00

40.00

42.58

60.02

4.78

6.74

1.93

0.67

11

2,500.00 3,000.00

543

8,624

2.95

46.79

2,232.89

11,153.62

0.10

0.51

1

3

20.00

60.00

36.70

96.71

4.12

10.87

1.64

0.87

12

3,000.00 4,000.00

766

9,390

4.16

50.94

4,011.47

15,165.09

0.18

0.69

1

4

20.00

80.00

54.86

151.58

6.16

17.03

1.37

1.00

13

4,000.00 5,000.00

629

10,019

3.41

54.35

4,203.25

19,368.34

0.19

0.88

0

4

0.00

80.00

0.00

151.58

0.00

17.03

0.00

0.78

14

5,000.00 7,500.00

1,103

11,122

5.98

60.34

9,849.84

29,218.18

0.45

1.32

0

4

0.00

80.00

0.00

151.58

0.00

17.03

0.00

0.52

15

7,500.00 10,000.00

895

12,017

4.86

65.19

11,874.02

41,092.20

0.54

1.86

1

5

20.00 100.00

738.48

890.06

82.97

100.00

6.22

2.17

16

10,000.00 20,000.00

1,636

13,653

8.88

74.07

34,861.28

75,953.48

1.58

3.44

0

5

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

15,453

9.77

83.83

84,914.17

160,867.65

3.85

7.29

0

5

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

16,644

6.46

90.29

122,606.23

283,473.88

5.55

12.84

0

5

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

17,961

7.14

97.44

420,571.68

704,045.57

19.05

31.89

0

5

0.00 100.00

0.00

890.06

0.00

100.00

0.00

0.13

20

500,000.00 UP

472

18,433

2.56

100.00 1,503,763.57

2,207,809.14

68.11

100.00

0

5

0.00 100.00

0.00

890.06

0.00

100.00

0.00

0.04

85



JUNI 2016



: 2013

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(i)

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

5,605

5,605

8.02

8.02

219.45

219.45

0.05

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

5,309

10,914

7.60

15.62

611.98

831.44

0.13

0.18

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,346

20,260

13.38

29.00

2,078.84

2,910.28

0.44

0.61

2

2

25.00

25.00

7.47

7.47

7.15

7.15

0.36

0.26

4

200.00 300.00

7,164

27,424

10.25

39.25

2,617.01

5,527.29

0.55

1.16

2

4

25.00

50.00

25.52

32.98

24.42

31.57

0.98

0.60

5

300.00 500.00

9,567

36,991

13.69

52.94

5,439.56

10,966.85

1.15

2.31

0

4

0.00

50.00

0.00

32.98

0.00

31.57

0.00

0.30

6

500.00 750.00

6,555

43,546

9.38

62.32

5,625.22

16,592.07

1.19

3.50

2

6

25.00

75.00

11.90

44.88

11.39

42.96

0.21

0.27

7

750.00 1,000.00

5,418

48,964

7.75

70.08

6,561.73

23,153.80

1.38

4.88

0

6

0.00

75.00

0.00

44.88

0.00

42.96

0.00

0.19

8

1,000.00 1,500.00

5,430

54,394

7.77

77.85

9,313.91

32,467.71

1.96

6.84

1

7

12.50

87.50

45.00

89.88

43.07

86.02

0.48

0.28

9

1,500.00 2,000.00

3,284

57,678

4.70

82.55

7,948.98

40,416.68

1.67

8.52

0

7

0.00

87.50

0.00

89.88

0.00

86.02

0.00

0.22

10

2,000.00 2,500.00

2,022

59,700

2.89

85.44

6,306.99

46,723.68

1.33

9.85

0

7

0.00

87.50

0.00

89.88

0.00

86.02

0.00

0.19

11

2,500.00 3,000.00

1,509

61,209

2.16

87.60

5,860.98

52,584.65

1.24

11.08

0

7

0.00

87.50

0.00

89.88

0.00

86.02

0.00

0.17

12

3,000.00 4,000.00

1,972

63,181

2.82

90.42

9,521.23

62,105.89

2.01

13.09

0

7

0.00

87.50

0.00

89.88

0.00

86.02

0.00

0.14

13

4,000.00 5,000.00

1,216

64,397

1.74

92.16

7,594.22

69,700.11

1.60

14.69

0

7

0.00

87.50

0.00

89.88

0.00

86.02

0.00

0.13

14

5,000.00 7,500.00

1,600

65,997

2.29

94.45

13,460.06

83,160.16

2.84

17.52

0

7

0.00

87.50

0.00

89.88

0.00

86.02

0.00

0.11

15

7,500.00 10,000.00

923

66,920

1.32

95.77

11,430.40

94,590.57

2.41

19.93

0

7

0.00

87.50

0.00

89.88

0.00

86.02

0.00

0.10

16

10,000.00 20,000.00

1,338

68,258

1.91

97.69

26,473.68

121,064.24

5.58

25.51

0

7

0.00

87.50

0.00

89.88

0.00

86.02

0.00

0.07

17

20,000.00 50,000.00

810

69,068

1.16

98.85

36,092.33

157,156.57

7.61

33.12

1

8

12.50 100.00

14.60

104.49

13.98

100.00

0.04

0.07

18

50,000.00 100,000.00

363

69,431

0.52

99.37

39,025.73

196,182.30

8.22

41.34

0

8

0.00 100.00

0.00

104.49

0.00

100.00

0.00

0.05

19

100,000.00 500,000.00

368

69,799

0.53

99.89

126,641.04

322,823.34

26.69

68.02

0

8

0.00 100.00

0.00

104.49

0.00

100.00

0.00

0.03

20

500,000.00 UP

74

69,873

0.11

100.00

151,744.29

474,567.62

31.98

100.00

0

8

0.00 100.00

0.00

104.49

0.00

100.00

0.00

0.02

86



JUNI 2016



:2012

OCCUPATION

:AGRICULTURAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d) (e)

PERCENTAGE

Rp

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

3

0.71

0.71

0.25

0.25

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

3

6

0.71

1.43

0.61

0.86

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

4

10

0.95

2.38

1.07

1.93

0.00

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

9

19

2.14

4.52

3.20

5.13

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

18

37

4.29

8.81

10.51

15.64

0.04

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

31

68

7.38

16.19

28.12

43.76

0.10

0.15

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

9

77

2.14

18.33

13.92

57.68

0.05

0.20

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

16

93

3.81

22.14

28.09

85.76

0.10

0.29

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

23

116

5.48

27.62

54.94

140.71

0.19

0.48

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

11

127

2.62

30.24

35.38

176.09

0.12

0.60

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

19

146

4.52

34.76

59.18

235.27

0.20

0.80

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

18

164

4.29

39.05

71.42

306.69

0.24

1.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

13

177

3.10

42.14

98.66

405.35

0.34

1.38

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

30

207

7.14

49.29

246.98

652.33

0.84

2.22

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

21

228

5.00

54.29

265.21

917.54

0.90

3.12

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

28

256

6.67

60.95

499.62

1,417.16

1.70

4.82

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

58

314

13.81

74.76

2,645.23

4,062.38

8.99

13.81

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

48

362

11.43

86.19

4,367.47

8,429.85

14.85

28.65

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

52

414

12.38

98.57

12,434.00

20,863.85

42.26

70.92

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

6

420

1.43

100.00

8,555.38

29,419.23

29.08

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

87



JUNI 2016



:2012

OCCUPATION

:COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

GROSS PREMIUM


F

f (d)

∑(d)

BAND (d)/∑(d)

CUM ∑(f)

rp

(e)

(f)

(g)

(h)

PERCENTAGE

Rp

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

∑(h)

BAND (i)/∑(i)

CUM ∑(j)

f

(i)

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

PERCENTAGE

Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

BAND (q)/∑(q)

CUM ∑('r)‎

BAND (p)/(h)

CUM q/i

(q)

(r)

(s)

(t)

(u)

1

0.00 50.00

10,443

10,443

11.04

11.04

476.15

476.15

0.07

0.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

8,603

19,046

9.09

20.13

1,033.98

1,510.13

0.16

0.23

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,715

28,761

10.27

30.40

2,158.78

3,668.90

0.33

0.56

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

6,313

35,074

6.67

37.08

2,392.54

6,061.44

0.36

0.92

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

9,341

44,415

9.87

46.95

5,709.18

11,770.62

0.87

1.79

1

1

6.25

6.25

17.44

17.44

1.07

1.07

0.31

0.15

6

500.00 750.00

7,218

51,633

7.63

54.58

6,604.37

18,374.99

1.00

2.79

0

1

0.00

6.25

0.00

17.44

0.00

1.07

0.00

0.09

7

750.00 1,000.00

8,541

60,174

9.03

63.61

11,188.93

29,563.92

1.70

4.49

0

1

0.00

6.25

0.00

17.44

0.00

1.07

0.00

0.06

8

1,000.00 1,500.00

10,626

70,800

11.23

74.85

18,651.16

48,215.08

2.83

7.32

0

1

0.00

6.25

0.00

17.44

0.00

1.07

0.00

0.04

9

1,500.00 2,000.00

4,660

75,460

4.93

79.77

12,098.53

60,313.61

1.84

9.16

3

4

18.75

25.00

410.61

428.05

25.09

26.15

3.39

0.71

10

2,000.00 2,500.00

2,712

78,172

2.87

82.64

8,783.51

69,097.12

1.33

10.50

1

5

6.25

31.25

62.33

490.38

3.81

29.96

0.71

0.71

11

2,500.00 3,000.00

2,112

80,284

2.23

84.87

8,418.14

77,515.26

1.28

11.77

2

7

12.50

43.75

58.21

548.59

3.56

33.52

0.69

0.71

12

3,000.00 4,000.00

2,652

82,936

2.80

87.67

13,478.21

90,993.46

2.05

13.82

0

7

0.00

43.75

0.00

548.59

0.00

33.52

0.00

0.60

13

4,000.00 5,000.00

1,888

84,824

2.00

89.67

12,328.76

103,322.22

1.87

15.69

0

7

0.00

43.75

0.00

548.59

0.00

33.52

0.00

0.53

14

5,000.00 7,500.00

2,515

87,339

2.66

92.33

21,703.42

125,025.65

3.30

18.99

2

9

12.50

56.25

319.96

868.55

19.55

53.07

1.47

0.69

15

7,500.00 10,000.00

1,603

88,942

1.69

94.02

19,884.85

144,910.50

3.02

22.01

2

11

12.50

68.75

462.93

1,331.48

28.28

81.35

2.33

0.92

16

10,000.00 20,000.00

2,430

91,372

2.57

96.59

48,125.71

193,036.21

7.31

29.32

4

15

25.00

93.75

301.07

1,632.55

18.40

99.75

0.63

0.85

17

20,000.00 50,000.00

1,804

93,176

1.91

98.50

76,777.13

269,813.35

11.66

40.98

0

15

0.00

93.75

0.00

1,632.55

0.00

99.75

0.00

0.61

18

50,000.00 100,000.00

784

93,960

0.83

99.33

70,036.07

339,849.42

10.64

51.62

0

15

0.00

93.75

0.00

1,632.55

0.00

99.75

0.00

0.48

19

100,000.00 500,000.00

539

94,499

0.57

99.90

151,541.43

491,390.85

23.02

74.64

1

16

6.25 100.00

4.14

1,636.69

0.25

100.00

0.00

0.33

20

500,000.00 UP

96

94,595

0.10

100.00

166,986.02

658,376.86

25.36

100.00

0

16

0.00 100.00

0.00

1,636.69

0.00

100.00

0.00

0.25

88



JUNI 2016



:2012

OCCUPATION

:INDUSTRIAL

PROCESSING DATE


(a)

GROSS PREMIUM

NUMBER OF RISK

FROM

TO

f

(b)

(c)

(d)

PERCENTAGE

F ∑(d) (e)

PERCENTAGE

Rp

BAND (d)/∑(d)

CUM ∑(f)

rp

(f)

(g)

(h)

∑(h) (i)

INCURED CLAIM

CLAIM FREQUENCY

(In million Rp)

BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

‎‎∑(l) (m)

LOSS RATIO

(In million Rp)

PERCENTAGE

F

8/15/2016

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

990

5.76

5.76

33.85

33.85

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

486

1,476

2.83

8.58

54.61

88.46

0.00

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

721

2,197

4.19

12.77

167.45

255.92

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

679

2,876

3.95

16.72

248.70

504.62

0.01

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

825

3,701

4.80

21.52

518.87

1,023.49

0.03

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

739

4,440

4.30

25.82

707.88

1,731.37

0.04

0.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

689

5,129

4.01

29.82

947.19

2,678.55

0.06

0.16

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

1,006

6,135

5.85

35.67

2,009.74

4,688.29

0.12

0.28

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

717

6,852

4.17

39.84

1,940.80

6,629.10

0.12

0.39

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

606

7,458

3.52

43.36

2,042.24

8,671.33

0.12

0.51

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

532

7,990

3.09

46.46

2,205.97

10,877.31

0.13

0.65

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

769

8,759

4.47

50.93

4,007.81

14,885.12

0.24

0.88

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

607

9,366

3.53

54.46

4,012.28

18,897.40

0.24

1.12

0

0

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

10,443

6.26

60.72

9,677.81

28,575.21

0.57

1.69

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

829

11,272

4.82

65.54

10,334.42

38,909.63

0.61

2.31

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

1,583

12,855

9.20

74.74

32,225.36

71,134.99

1.91

4.22

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

1,720

14,575

10.00

84.74

77,414.42

148,549.40

4.59

8.81

0

0

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

15,584

5.87

90.61

99,188.45

247,737.86

5.88

14.69

0

0

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

16,794

7.04

97.65

346,315.14

594,053.00

20.54

35.23

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

405

17,199

2.35

100.00 1,092,020.03

1,686,073.03

64.77

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

89



JUNI 2016



:2012

OCCUPATION

:RESIDENTIAL

PROCESSING DATE


(a)

GROSS PREMIUM (In million Rp)

NUMBER OF RISK

FROM

TO

f

F ∑(d)

(b)

(c)

(d)

(e)

PERCENTAGE BAND (d)/∑(d)

CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)

INCURED CLAIM (In million Rp)

CLAIM FREQUENCY

PERCENTAGE BAND (i)/∑(i)

CUM ∑(j)

f

(j)

(k)

(l)

PERCENTAGE

F ∑(l) (m)

15/8/2016

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

5,919

5,919

9.61

9.61

179.14

179.14

0.05

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

4,491

10,410

7.29

16.90

506.71

685.85

0.15

0.20

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

8,836

19,246

14.34

31.24

1,921.15

2,607.00

0.55

0.75

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

6,704

25,950

10.88

42.12

2,440.30

5,047.30

0.70

1.45

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

8,943

34,893

14.51

56.63

5,114.43

10,161.73

1.47

2.92

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

5,809

40,702

9.43

66.06

4,990.55

15,152.28

1.44

4.36

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

4,788

45,490

7.77

73.83

5,803.42

20,955.70

1.67

6.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

4,542

50,032

7.37

81.20

7,726.43

28,682.13

2.22

8.25

1

1

50.00

50.00

28.31

28.31

20.82

20.82

0.37

0.10

9

1,500.00 2,000.00

2,600

52,632

4.22

85.42

6,275.31

34,957.44

1.81

10.06

0

1

0.00

50.00

0.00

28.31

0.00

20.82

0.00

0.08

10

2,000.00 2,500.00

1,562

54,194

2.54

87.96

4,863.56

39,821.00

1.40

11.46

0

1

0.00

50.00

0.00

28.31

0.00

20.82

0.00

0.07

11

2,500.00 3,000.00

1,220

55,414

1.98

89.94

4,642.56

44,463.55

1.34

12.79

0

1

0.00

50.00

0.00

28.31

0.00

20.82

0.00

0.06

12

3,000.00 4,000.00

1,435

56,849

2.33

92.27

6,998.57

51,462.13

2.01

14.81

1

2

50.00 100.00

107.67

135.98

79.18

100.00

1.54

0.26

13

4,000.00 5,000.00

911

57,760

1.48

93.75

5,891.07

57,353.20

1.70

16.50

0

2

0.00 100.00

0.00

135.98

0.00

100.00

0.00

0.24

14

5,000.00 7,500.00

1,190

58,950

1.93

95.68

10,303.52

67,656.72

2.96

19.47

0

2

0.00 100.00

0.00

135.98

0.00

100.00

0.00

0.20

15

7,500.00 10,000.00

687

59,637

1.12

96.79

8,691.00

76,347.72

2.50

21.97

0

2

0.00 100.00

0.00

135.98

0.00

100.00

0.00

0.18

16

10,000.00 20,000.00

906

60,543

1.47

98.26

20,089.83

96,437.55

5.78

27.75

0

2

0.00 100.00

0.00

135.98

0.00

100.00

0.00

0.14

17

20,000.00 50,000.00

527

61,070

0.86

99.12

24,717.32

121,154.87

7.11

34.86

0

2

0.00 100.00

0.00

135.98

0.00

100.00

0.00

0.11

18

50,000.00 100,000.00

222

61,292

0.36

99.48

21,729.28

142,884.15

6.25

41.11

0

2

0.00 100.00

0.00

135.98

0.00

100.00

0.00

0.10

19

100,000.00 500,000.00

277

61,569

0.45

99.93

88,860.58

231,744.73

25.57

66.68

0

2

0.00 100.00

0.00

135.98

0.00

100.00

0.00

0.06

20

500,000.00 UP

44

61,613

0.07

100.00

115,787.78

347,532.51

33.32

100.00

0

2

0.00 100.00

0.00

135.98

0.00

100.00

0.00

0.04

90



JUNI 2016


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 30/06/2016 UNDERWRITING YEAR : POLICY STATUS :

2016 A;C;E;N;R

PROCESSING DATE :

In IDR

NATIONAL AGGREGAT EXPOSURE

CRESTA ZONE

15/08/2016

Amount

NATIONAL GROSS PREMIUM %

Amount

%

NUMBER OF RISKS Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

BANDA ACEH

1.1

308,707,705,986.40

0.04

582,199,018.41

0.06

177

0.33

0.00

0.00

0

0.00

MEDAN

1.2

16,924,429,258,172.10

2.33

24,267,967,170.29

2.62

2,197

4.06

0.00

0.00

0

0.00

OTHERS

1.3

7,107,360,161,794.93

0.98

11,551,033,182.44

1.25

1,106

2.04

0.00

0.00

0

0.00


1 2.1

24,340,497,125,953.40 4,763,490,870,436.16

3.35 0.65

36,401,199,371.14 8,736,272,197.04

3.93 0.94

3,480 4,008

6.42 7.40

0.00 0.00

0.00 0.00

0 0

0.00 0.00

PALEMBANG

2.2

3,123,401,714,595.80

0.43

3,150,570,456.83

0.34

474

0.88

0.00

0.00

0

0.00

OTHERS

2.3

55,910,532,833,841.20

7.68

65,113,224,566.56

7.04

6,119

11.30

510,000,000.00

87.18

4

80.00


2 3.1

63,797,425,418,873.20 127,948,814,292,811.00

8.77 17.59

77,000,067,220.43 186,487,644,888.00

8.32 20.16

10,601 11,255

19.57 20.78

510,000,000.00 75,000,000.00

87.18 12.82

4 1

80.00 20.00

BANDUNG

3.2

4,051,668,042,362.95

0.56

7,670,076,939.60

0.83

723

1.33

0.00

0.00

0

0.00

OTHERS

3.3

291,510,816,814,857.00

40.07

373,233,139,047.43

40.34

11,698

21.59

0.00

0.00

0

0.00

WEST JAVA SEMARANG

3 4.1

423,511,299,150,032.00 1,895,364,569,546.20

58.21 0.26

567,390,860,875.03 1,944,263,732.23

61.32 0.21

23,676 261

43.71 0.48

75,000,000.00 0.00

12.82 0.00

1 0

20.00 0.00

YOGYAKARTA

4.2

2,978,693,218,571.78

0.41

4,247,908,254.61

0.46

675

1.25

0.00

0.00

0

0.00

OTHERS

4.3

44,802,121,744,416.20

6.16

62,541,316,916.86

6.76

3,377

6.23

0.00

0.00

0

0.00


4 5.1

49,676,179,532,534.20 17,568,877,420,245.30

6.83 2.41

68,733,488,903.70 17,918,094,212.23

7.43 1.94

4,313 1,486

7.96 2.74

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

62,420,837,529,183.90

8.58

62,484,450,462.93

6.75

2,561

4.73

0.00

0.00

0

0.00

5 6

79,989,714,949,429.20 35,559,627,143,738.70

10.99 4.89

80,402,544,675.16 26,711,781,281.92

8.69 2.89

4,047 1,217

7.47 2.25

0.00 0.00

0.00 0.00

0 0

0.00 0.00

EAST JAVA KALIMANTAN UJUNG PANDANG

7.1

3,918,262,910,018.42

0.54

3,369,143,477.84

0.36

501

0.92

0.00

0.00

0

0.00

OTHERS

7.2

12,441,738,251,813.70

1.71

16,742,850,495.65

1.81

1,385

2.56

0.00

0.00

0

0.00

7 8

16,360,001,161,832.10 34,340,741,542,127.20

2.25 4.72

20,111,993,973.49 48,483,383,984.82

2.17 5.24

1,886 4,951

3.48 9.14

0.00 0.00

0.00 0.00

0 0

0.00 0.00

727,575,486,024,520.00

100.00

925,235,320,285.69

100.00

54,171 100.00

585,000,000.00

100.00

5

100.00

SULAWESI OTHERS TOTAL

91



JUNI 2016



2015 A;C;E;N;R

PROCESSING DATE :

In IDR


CRESTA ZONE

Amount BANDA ACEH MEDAN OTHERS


1.1

6,141,601,804,000.44

0.17

1.2

63,889,296,581,726.00

1.3

73,669,154,188,693.50


1 2.1

PALEMBANG OTHERS

Amount

%


CLAIM %

11,785,599,285.02

0.23

718

0.32

1.80

97,225,437,051.47

1.87

7,725

2.08

126,734,201,855.26

2.44

5,079

143,700,052,574,420.00 36,655,158,022,094.80

4.05 1.03

235,745,238,191.75 70,819,531,809.72

4.55 1.37

2.2

33,798,674,812,124.20

0.95

36,572,926,437.13

2.3

291,161,279,894,249.00

8.21

407,664,855,919.00


2 3.1

361,615,112,728,468.00 603,665,395,916,498.00

10.19 17.01

515,057,314,165.85 951,905,134,288.47

BANDUNG

3.2

15,986,486,875,449.30

0.45

28,163,366,145.05

0.54

2,670

OTHERS

3.3

978,294,317,135,281.00

27.57

1,467,153,062,779.34

28.29

50,174

WEST JAVA SEMARANG

3 4.1

1,597,946,199,927,230.00 13,098,483,886,134.10

45.03 0.37

2,447,221,563,212.86 15,651,806,441.84

47.19 0.30

103,916 1,132

YOGYAKARTA

4.2

395,664,005,102,035.00

11.15

674,987,543,541.51

13.01

OTHERS

4.3

174,512,888,913,458.00

4.92

234,935,854,063.27

4.53


4 5.1

583,275,377,901,628.00 72,071,237,723,636.00

16.44 2.03

925,575,204,046.62 85,971,069,109.68

17.85 1.66

OTHERS

5.2

352,639,211,942,010.00

9.94

420,043,509,708.71

5 6

424,710,449,665,646.00 158,061,990,536,773.00

11.97 4.45

506,014,578,818.39 142,758,067,473.81


15/08/2016

CLAIM FREQUENCY

Amount

%

Amount

%

0.00

0.00

0

0.00

3.42

0.00

0.00

0

0.00

2.25

73,970,453.00

0.48

1

2.63

13,522 12,553

5.98 5.55

73,970,453.00 0.00

0.48 0.00

1 0

2.63 0.00

0.71

2,271

1.00

0.00

0.00

0

0.00

7.86

22,157

9.80

1,020,000,000.00

6.58

3

7.89

9.93 18.35

36,981 51,072

16.36 22.59

1,020,000,000.00 0.00

6.58 0.00

3 0

7.89 0.00

1.18

50,000,000.00

0.32

1

2.63

22.19

1,267,824,079.50

8.18

4

10.53

45.97 0.50

1,317,824,079.50 0.00

8.50 0.00

5 0

13.16 0.00

2,769

1.22

1,262,250,000.00

8.14

1

2.63

15,596

6.90

0.00

0.00

0

0.00

19,497 6,730

8.62 2.98

1,262,250,000.00 0.00

8.14 0.00

1 0

2.63 0.00

8.10

11,672

5.16

98,665,500.00

0.64

2

5.26

9.76 2.75

18,402 7,460

8.14 3.30

98,665,500.00 8,380,965,985.00

0.64 54.08

2 3

5.26 7.89

UJUNG PANDANG

7.1

19,283,668,388,191.90

0.54

17,703,152,061.96

0.34

2,846

1.26

0.00

0.00

0

0.00

OTHERS

7.2

134,217,142,489,941.00

3.78

199,208,722,783.98

3.84

6,578

2.91

0.00

0.00

0

0.00

7 8

153,500,810,878,133.00 125,612,350,226,111.00

4.33 3.54

216,911,874,845.94 196,969,963,920.42

4.18 3.80

9,424 16,867

4.17 7.46

0.00 3,343,759,661.00

0.00 21.58

0 23

0.00 60.53

3,548,422,344,438,400.00

100.00

5,186,253,804,675.64

100.00

226,069 100.00

15,497,435,678.50

100.00

38

100.00


92



JUNI 2016



2014 A;C;E;N;R

PROCESSING DATE :

In IDR


CRESTA ZONE

Amount BANDA ACEH MEDAN OTHERS

15/08/2016


Amount

%


CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

1.1

6,475,407,234,598.72

0.21

13,175,727,569.19

0.26

629

0.27

0.00

0.00

0

0.00

1.2

52,110,368,958,437.30

1.67

72,239,187,422.85

1.45

7,670

3.26

0.00

0.00

0

0.00

1.3

58,517,015,258,588.10

1.87

94,567,523,054.24

1.90

5,713

2.43

0.00

0.00

0

0.00


1 2.1

117,102,791,451,624.00 30,371,967,358,753.50

3.74 0.97

179,982,438,046.28 58,718,139,431.00

3.61 1.18

14,012 13,038

5.96 5.54

0.00 17,491,400.00

0.00 1.89

0 2

0.00 13.33

PALEMBANG

2.2

21,554,336,242,458.30

0.69

23,252,717,000.77

0.47

2,003

0.85

0.00

0.00

0

0.00

OTHERS

2.3

201,166,817,295,695.00

6.43

264,930,167,745.64

5.32

22,947

9.75

0.00

0.00

0

0.00


2 3.1

253,093,120,896,907.00 658,917,880,791,553.00

8.09 21.06

346,901,024,177.41 1,073,263,352,012.98

6.96 21.54

37,988 56,596

16.15 24.06

17,491,400.00 0.00

1.89 0.00

2 0

13.33 0.00

BANDUNG

3.2

11,893,458,933,650.00

0.38

19,254,064,602.35

0.39

2,240

0.95

0.00

0.00

0

0.00

OTHERS

3.3

1,133,077,727,588,530.00

36.22

2,013,038,160,095.69

40.41

49,958

21.23

0.00

0.00

0

0.00

WEST JAVA SEMARANG

3 4.1

1,803,889,067,313,730.00 8,625,538,080,025.90

57.66 0.28

3,105,555,576,711.02 12,202,049,078.47

62.33 0.24

108,794 1,225

46.24 0.52

0.00 0.00

0.00 0.00

0 0

0.00 0.00

YOGYAKARTA

4.2

14,163,785,910,344.90

0.45

21,779,543,027.53

0.44

2,673

1.14

0.00

0.00

0

0.00

OTHERS

4.3

151,207,217,056,487.00

4.83

215,485,150,196.70

4.33

15,389

6.54

0.00

0.00

0

0.00


4 5.1

173,996,541,046,858.00 76,850,867,284,379.20

5.56 2.46

249,466,742,302.70 106,515,986,624.73

5.01 2.14

19,287 8,730

8.20 3.71

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

340,158,955,158,059.00

10.87

498,107,485,090.33

10.00

12,371

5.26

111,029,676.05

12.03

3

20.00

5 6

417,009,822,442,438.00 142,879,365,910,800.00

13.33 4.57

604,623,471,715.06 148,586,792,650.71

12.14 2.98

21,101 8,043

8.97 3.42

111,029,676.05 0.00

12.03 0.00

3 0

20.00 0.00

UJUNG PANDANG

7.1

24,311,146,578,168.80

0.78

28,032,235,030.75

0.56

2,469

1.05

0.00

0.00

0

0.00

OTHERS

7.2

99,234,279,627,988.20

3.17

157,425,936,082.13

3.16

6,572

2.79

78,511,425.00

8.51

3

20.00

7 8

123,545,426,206,157.00 96,893,588,579,564.60

3.95 3.10

185,458,171,112.88 161,503,229,586.14

3.72 3.24

9,041 17,009

3.84 7.23

78,511,425.00 716,054,642.51

8.51 77.57

3 7

20.00 46.67

3,128,409,723,848,080.00

100.00

4,982,077,446,302.20

100.00

235,275 100.00

923,087,143.56

100.00

15

100.00



93



JUNI 2016



2013 A;C;E;N;R

PROCESSING DATE :

In IDR


CRESTA ZONE

15/08/2016

Amount

NATIONAL GROSS PREMIUM

NUMBER OF RISKS

%

Amount

%

1.1

0.17

8,793,701,049.39

0.19

619

0.33

21,000,000.00

0.01

1

1.61

1.2

48,019,992,924,050.20

1.74

65,223,188,467.82

1.44

6,621

3.49

0.00

0.00

0

0.00

1.3

49,698,131,924,414.50

1.80

76,015,361,701.04

1.68

4,058

2.14

0.00

0.00

0

0.00


1 2.1

102,349,308,871,720.00 27,224,177,532,224.50

3.71 0.99

150,032,251,218.25 52,486,316,668.76

3.31 1.16

11,298 10,870

5.96 5.74

21,000,000.00 6,710,774.00

0.01 0.00

1 1

1.61 1.61

PALEMBANG

2.2

23,230,068,194,777.00

0.84

24,543,573,931.00

0.54

1,879

0.99

0.00

0.00

0

0.00

OTHERS

2.3

150,917,658,041,520.00

5.47

195,095,364,770.60

4.31

18,026

9.51

3,997,822.00

0.00

1

1.61


2 3.1

201,371,903,768,522.00 435,498,377,729,793.00

7.30 15.79

272,125,255,370.36 701,981,021,509.03

6.01 15.50

30,775 47,690

16.24 25.16

10,708,596.00 0.00

0.00 0.00

2 0

3.23 0.00

BANDUNG

3.2

10,570,455,885,753.00

0.38

16,529,374,668.67

0.36

2,131

1.12

22,511,000.00

0.01

1

1.61

OTHERS

3.3

987,768,369,777,405.00

35.81

1,693,953,972,756.56

37.40

38,938

20.55

0.00

0.00

0

0.00

WEST JAVA SEMARANG

3 4.1

1,433,837,203,392,950.00 8,898,713,851,285.73

51.98 0.32

2,412,464,368,934.26 11,848,913,643.96

53.26 0.26

88,759 921

46.83 0.49

22,511,000.00 0.00

0.01 0.00

1 0

1.61 0.00

YOGYAKARTA

4.2

8,573,422,953,780.61

0.31

13,359,528,097.89

0.29

2,194

1.16

1,623,236,421.00

0.60

6

9.68

OTHERS

4.3

136,817,917,431,266.00

4.96

186,340,867,155.20

4.11

10,553

5.57

7,391,016,709.83

2.71

6

9.68


4 5.1

154,290,054,236,332.00 134,246,529,078,293.00

5.59 4.87

211,549,308,897.05 220,165,202,017.78

4.67 4.86

13,668 6,256

7.21 3.30

9,014,253,130.83 0.00

3.31 0.00

12 0

19.35 0.00

OTHERS

5.2

233,182,071,594,038.00

8.45

342,468,451,316.90

7.56

8,456

4.46

263,077,555,767.99

96.63

41

66.13

5 6

367,428,600,672,331.00 128,384,392,940,167.00

13.32 4.65

562,633,653,334.68 133,815,627,170.69

12.42 2.95

14,712 7,069

7.76 3.73

263,077,555,767.99 0.00

96.63 0.00

41 0

66.13 0.00

UJUNG PANDANG

7.1

14,118,612,393,835.50

0.51

14,247,083,505.40

0.31

2,059

1.09

0.00

0.00

0

0.00

OTHERS

7.2

39,288,281,762,787.70

1.42

63,921,593,589.15

1.41

6,272

3.31

53,658,000.00

0.02

1

1.61

7 8

53,406,894,156,623.20 317,201,596,012,869.00

1.94 11.50

78,168,677,094.55 708,806,799,296.84

1.73 15.65

8,331 14,912

4.40 7.87

53,658,000.00 41,377,662.88

0.02 0.02

1 4

1.61 6.45

2,758,269,954,051,520.00

100.00

4,529,595,941,316.68

100.00

189,524 100.00

272,241,064,157.70

100.00

62

100.00

MEDAN OTHERS



94

%

CLAIM FREQUENCY

4,631,184,023,255.03

BANDA ACEH

Amount

CLAIM Amount

%

Amount

%



JUNI 2016



2012 A;C;E;N;R

CRESTA ZONE

PROCESSING DATE : 15/08/2016

In IDR

NATIONAL AGGREGAT EXPOSURE Amount

%

NATIONAL GROSS PREMIUM Amount

%


CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

BANDA ACEH

1.1

3,887,973,784,587.20

0.20

7,358,293,470.29

0.27

591

0.34

1,338,645,096.00

75.52

6

33.33

MEDAN

1.2

39,930,432,753,351.10

2.02

49,827,911,349.22

1.83

6,014

3.46

14,936,201.00

0.84

2

11.11

OTHERS

1.3

39,955,150,550,405.30

2.02

52,403,810,973.16

1.93

4,665

2.68

0.00

0.00

0

0.00


1 2.1

83,773,557,088,343.60 19,055,410,642,420.70

4.24 0.97

109,590,015,792.67 35,946,417,129.86

4.03 1.32

11,270 10,881

6.48 6.26

1,353,581,297.00 0.00

76.36 0.00

8 0

44.44 0.00

PALEMBANG

2.2

19,002,600,284,678.90

0.96

17,787,082,345.65

0.65

1,536

0.88

0.00

0.00

0

0.00

OTHERS

2.3

134,587,644,567,246.00

6.82

156,352,267,409.20

5.75

17,450

10.04

28,314,000.00

1.60

1

5.56


2 3.1

172,645,655,494,345.00 400,177,640,620,151.00

8.74 20.27

210,085,766,884.71 600,168,864,300.49

7.72 22.05

29,867 36,284

17.18 20.87

28,314,000.00 0.00

1.60 0.00

1 0

5.56 0.00

BANDUNG

3.2

11,047,671,688,987.80

0.56

16,558,379,845.44

0.61

1,991

1.15

0.00

0.00

0

0.00

OTHERS

3.3

662,621,262,221,902.00

33.56

967,810,413,315.05

35.56

36,740

21.14

17,438,200.00

0.98

1

5.56

WEST JAVA SEMARANG

3 4.1

1,073,846,574,531,040.00 7,152,358,175,509.66

54.39 0.36

1,584,537,657,460.98 8,914,059,462.70

58.23 0.33

75,015 810

43.15 0.47

17,438,200.00 0.00

0.98 0.00

1 0

5.56 0.00

YOGYAKARTA

4.2

9,305,354,884,895.54

0.47

14,164,989,798.35

0.52

2,314

1.33

0.00

0.00

0

0.00

OTHERS

4.3

102,787,042,600,585.00

5.21

128,804,438,779.71

4.73

10,375

5.97

0.00

0.00

0

0.00


4 5.1

119,244,755,660,990.00 51,275,273,090,249.70

6.04 2.60

151,883,488,040.76 65,676,958,636.45

5.58 2.41

13,499 6,197

7.77 3.57

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

242,017,361,804,202.00

12.26

314,183,075,268.54

11.54

7,852

4.52

0.00

0.00

0

0.00

5 6

293,292,634,894,452.00 101,470,729,177,791.00

14.86 5.14

379,860,033,904.99 93,906,401,358.81

13.96 3.45

14,049 7,644

8.08 4.40

0.00 0.00

0.00 0.00

0 0

0.00 0.00

UJUNG PANDANG

7.1

10,444,854,149,882.30

0.53

9,998,687,306.13

0.37

1,916

1.10

0.00

0.00

0

0.00

OTHERS

7.2

54,000,807,954,031.10

2.74

82,776,302,886.72

3.04

6,228

3.58

77,942,400.00

4.40

2

11.11

7 8

64,445,662,103,913.30 65,589,745,726,182.70

3.26 3.32

92,774,990,192.85 98,763,281,538.96

3.41 3.63

8,144 14,339

4.69 8.25

77,942,400.00 295,394,374.84

4.40 16.66

2 6

11.11 33.33

1,974,309,314,677,060.00

100.00

2,721,401,635,174.73

100.00

173,827 100.00

1,772,670,271.84

100.00

18

100.00



95



JUNI 2016


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 30/06/2016 UNDERWRITING YEAR POLICY STATUS

: 2016 : A;C;E;N;R


In IDR

NATIONAL AGGREGATE EXPOSURE

OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

4,284,400,692,502.40

0.59

5,495,439,851.01

0.59

189.00

0.35

0.00

0.00

0.00

0.00

COMMERCIAL

C

185,061,294,025,596.00

25.44

242,709,631,265.67

26.23

25,085.00

46.31

200,000,000.00

34.19

1.00

20.00

INDUSTRIAL

I

442,466,471,907,245.00

60.81

541,797,006,182.77

58.56

4,236.00

7.82

0.00

0.00

0.00

0.00

RESIDENTIAL

R

95,763,319,399,175.90

13.16

135,233,242,986.23

14.62

24,661.00

45.52

385,000,000.00

65.81

4.00

80.00

727,575,486,024,520.00

100.00

925,235,320,285.68

100.00

54,171.00

100.00

585,000,000.00

100.00

5.00

100.00

T OT AL

96



JUNI 2016



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


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

24,272,759,308,636.30

0.68

29,683,728,427.87

0.57

390.00

0.17

0.00

0.00

0.00

0.00

COMMERCIAL

C

1,156,994,601,212,960.00

32.61

1,795,033,569,542.69

34.61

123,845.00

54.78

5,959,405,013.50

38.45

25.00

65.79

INDUSTRIAL

I

2,001,960,758,686,080.00

56.42

2,816,715,072,071.75

54.31

17,165.00

7.59

7,680,965,985.00

49.56

2.00

5.26

RESIDENTIAL

R

365,194,225,230,728.00

10.29

544,821,434,633.33

10.51

84,669.00

37.45

1,857,064,680.00

11.98

11.00

28.95

3,548,422,344,438,400.00

100.00

5,186,253,804,675.64

100.00

226,069.00

100.00

15,497,435,678.50

100.00

38.00

100.00

T OT AL

97



JUNI 2016



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


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

22,680,577,973,934.20

0.72

29,149,815,450.64

0.59

753.00

0.32

0.00

0.00

0.00

0.00

COMMERCIAL

C

745,326,562,404,427.00

23.82

1,118,227,459,156.76

22.45

124,558.00

52.94

624,550,950.05

67.66

10.00

66.67

INDUSTRIAL

I

1,975,030,012,455,890.00

63.13

3,219,326,810,662.98

64.62

18,903.00

8.03

200,000,000.00

21.67

1.00

6.67

RESIDENTIAL

R

385,372,571,013,830.00

12.32

615,373,361,031.83

12.35

91,061.00

38.70

98,536,193.51

10.67

4.00

26.67

3,128,409,723,848,080.00

100.00

4,982,077,446,302.21

100.00

235,275.00

100.00

923,087,143.56

100.00

15.00

100.00

T OT AL

98



JUNI 2016



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


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

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

997,263,063,430,009.00

36.16

1,811,968,360,691.29

40.00

100,683.00

53.12

271,246,520,180.70

99.63

49.00

79.03

INDUSTRIAL

I

1,417,513,943,627,160.00

51.39

2,207,809,139,946.27

48.74

18,433.00

9.73

890,057,888.00

0.33

5.00

8.06

RESIDENTIAL

R

317,533,074,014,750.00

11.51

474,567,624,513.30

10.48

69,873.00

36.87

104,486,089.00

0.04

8.00

12.90

2,758,269,954,051,520.00

100.00

4,529,595,941,316.68

100.00

189,524.00

100.00

272,241,064,157.70

100.00

62.00

100.00

T OT AL

99



JUNI 2016



: 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

458,553,032,623,053.00

23.23

658,376,861,883.61

24.19

94,595.00

54.42

1,636,685,520.49

92.33

16.00

88.89

INDUSTRIAL

I

1,261,133,480,936,090.00

63.88

1,686,073,034,503.53

61.96

17,199.00

9.89

0.00

0.00

0.00

0.00

RESIDENTIAL

R

231,079,208,345,890.00

11.70

347,532,509,134.70

12.77

61,613.00

35.45

135,984,751.35

7.67

2.00

11.11

1,974,309,314,677,060.00

100.00

2,721,401,635,174.70

100.00

173,827.00

100.00

1,772,670,271.84

100.00

18.00

100.00

T OT AL

100



JUNI 2016


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 30/06/2016

UNDERWRITING YEAR POLICY STATUS

PROVINCE

: 2016 : A;C;E;N;R

Cresta ID

PROCESSING DATE :

8/15/2016

In IDR NATIONAL AGGREGAT EXPOSURE Amount


Amount

%


CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

IDN_AC

2,133,410,954,207.05

0.29

3,831,187,386.32

0.41

514.00

0.95

0.00

0.00

0.00

02. SUMATERA UTARA

IDN_SU

22,207,086,171,746.30

3.05

32,570,011,984.82

3.52

2,966.00

5.48

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

IDN_SB

6,471,087,738,551.61

0.89

11,817,051,639.45

1.28

5,842.00

10.78

510,000,000.00

87.18

4.00

80.00

04. RIAU

IDN_RI

13,800,995,109,011.40

1.90

16,797,809,602.46

1.82

1,042.00

1.92

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

1,808,595,641,751.77

0.25

2,105,444,234.85

0.23

944.00

1.74

0.00

0.00

0.00

0.00


IDN_SS

6,141,582,382,227.57

0.84

7,477,297,995.23

0.81

711.00

1.31

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

1,055,065,311,955.32

0.15

1,921,037,712.70

0.21

594.00

1.10

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

15,786,592,179,170.60

2.17

22,600,880,292.26

2.44

905.00

1.67

0.00

0.00

0.00

0.00


IDN_BB

709,788,562,531.02

0.10

594,565,228.90

0.06

161.00

0.30

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

18,023,718,493,673.90

2.48

13,685,980,514.59

1.48

402.00

0.74

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

127,948,814,292,811.00

17.59

186,487,644,888.00

20.16

11,255.00

20.78

75,000,000.00

12.82

1.00

20.00

12. JAWA BARAT

IDN_JB

196,562,880,018,594.00

27.02

240,157,613,802.86

25.96

8,640.00

15.95

0.00

0.00

0.00

0.00

13. JAWA TENGAH

IDN_JT

45,540,135,508,456.10

6.26

62,696,634,848.22

6.78

3,192.00

5.89

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

4,136,044,024,078.07

0.57

6,036,854,055.48

0.65

1,121.00

2.07

0.00

0.00

0.00

0.00

15. JAWA TIMUR

IDN_JI

79,989,714,949,429.20

10.99

80,402,544,675.16

8.69

4,047.00

7.47

0.00

0.00

0.00

0.00

16. BANTEN

IDN_BT

98,999,604,838,626.60

13.61

140,745,602,184.17

15.21

3,781.00

6.98

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

27,103,787,246,733.00

3.73

37,852,667,678.63

4.09

3,125.00

5.77

0.00

0.00

0.00

0.00


IDN_NB

2,155,144,951,750.88

0.30

3,105,169,636.41

0.34

577.00

1.07

0.00

0.00

0.00

0.00


IDN_NT

472,373,766,401.83

0.06

654,835,366.90

0.07

181.00

0.33

0.00

0.00

0.00

0.00


IDN_KB

1,506,234,031,634.04

0.21

1,134,392,750.41

0.12

204.00

0.38

0.00

0.00

0.00

0.00


IDN_KT

1,252,718,556,190.84

0.17

940,734,710.29

0.10

153.00

0.28

0.00

0.00

0.00

0.00


IDN_KS

10,065,382,790,485.60

1.38

7,505,232,203.19

0.81

253.00

0.47

0.00

0.00

0.00

0.00


IDN_KI

21,841,821,801,356.50

3.00

16,461,672,334.53

1.78

510.00

0.94

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

IDN_SA

3,452,501,472,827.63

0.47

5,416,574,740.77

0.59

552.00

1.02

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

IDN_ST

1,811,404,691,538.95

0.25

3,305,242,889.70

0.36

239.00

0.44

0.00

0.00

0.00

0.00


IDN_SN

9,242,954,434,661.20

1.27

8,403,291,071.23

0.91

754.00

1.39

0.00

0.00

0.00

0.00


IDN_SG

1,089,570,149,491.65

0.15

1,723,771,243.27

0.19

121.00

0.22

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

365,491,481,968.07

0.05

688,365,873.30

0.07

161.00

0.30

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

398,078,931,344.58

0.05

574,748,155.23

0.06

59.00

0.11

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

1,013,321,838,624.36

0.14

1,909,376,371.06

0.21

228.00

0.42

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

330,283,738,836.76

0.05

565,425,207.12

0.06

81.00

0.15

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

580,356,611,847.23

0.08

882,494,605.51

0.10

346.00

0.64

0.00

0.00

0.00

0.00

33. PAPUA

IDN_PA

2,685,473,387,933.19

0.37

3,513,415,119.19

0.38

413.00

0.76

0.00

0.00

0.00

0.00


IDN_KU

893,469,964,071.76

0.12

669,749,283.49

0.07

97.00

0.18

0.00

0.00

0.00

0.00

727,575,486,024,520.00

100.00

925,235,320,285.70

100.00

54,171.00

100.00

585,000,000.00

100.00

5.00

100.00

T OT AL

101

0.00



JUNI 2016




PROVINCE

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

Cresta ID

PROCESSING DATE :

8/15/2016



Amount

%


CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

IDN_AC

14,404,824,282,123.70

0.41

28,542,465,121.82

0.55

1,920.00

0.85

73,970,453.00

0.48

1.00

2.63

02. SUMATERA UTARA

IDN_SU

129,295,228,292,296.00

3.64

207,202,773,069.92

4.00

11,602.00

5.13

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

IDN_SB

49,291,429,456,060.70

1.39

96,539,586,683.86

1.86

17,469.00

7.73

1,010,000,000.00

6.52

2.00

5.26

04. RIAU

IDN_RI

130,343,092,784,937.00

3.67

187,928,221,808.09

3.62

4,458.00

1.97

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

13,347,780,061,572.20

0.38

16,218,024,920.25

0.31

2,158.00

0.95

0.00

0.00

0.00

0.00


IDN_SS

66,870,441,181,208.50

1.88

83,663,567,291.63

1.61

3,850.00

1.70

10,000,000.00

0.06

1.00

2.63

07. BENGKULU

IDN_BE

4,836,051,236,717.56

0.14

9,162,242,772.88

0.18

2,335.00

1.03

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

46,430,449,559,802.80

1.31

72,534,991,279.11

1.40

4,233.00

1.87

0.00

0.00

0.00

0.00


IDN_BB

6,598,027,645,730.98

0.19

5,994,802,745.37

0.12

684.00

0.30

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

43,897,840,802,438.20

1.24

43,015,876,664.66

0.83

1,794.00

0.79

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

603,665,395,916,498.00

17.01

951,905,134,288.47

18.35

51,072.00

22.59

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

676,496,161,300,846.00

19.06

984,399,687,150.38

18.98

36,542.00

16.16

1,317,824,079.50

8.50

5.00

13.16

13. JAWA TENGAH

IDN_JT

183,731,200,618,310.00

5.18

244,132,350,852.87

4.71

14,714.00

6.51

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

399,544,177,283,318.00

11.26

681,442,853,193.74

13.14

4,783.00

2.12

1,262,250,000.00

8.14

1.00

2.63

15. JAWA TIMUR

IDN_JI

424,710,449,665,646.00

11.97

506,014,578,818.40

9.76

18,402.00

8.14

98,665,500.00

0.64

2.00

5.26

16. BANTEN

IDN_BT

317,784,642,709,884.00

8.96

510,916,741,774.01

9.85

16,302.00

7.21

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

98,088,831,940,924.60

2.76

148,449,146,084.18

2.86

10,173.00

4.50

5,000,000.00

0.03

1.00

2.63


IDN_NB

8,685,469,646,549.46

0.24

16,048,076,661.30

0.31

1,613.00

0.71

0.00

0.00

0.00

0.00


IDN_NT

3,059,676,570,048.89

0.09

4,964,288,616.87

0.10

605.00

0.27

0.00

0.00

0.00

0.00


IDN_KB

11,685,803,975,370.80

0.33

9,267,288,914.18

0.18

1,545.00

0.68

0.00

0.00

0.00

0.00


IDN_KT

26,982,622,767,472.50

0.76

24,492,565,629.36

0.47

875.00

0.39

0.00

0.00

0.00

0.00


IDN_KS

36,973,230,366,363.30

1.04

32,556,905,158.27

0.63

1,912.00

0.85

0.00

0.00

0.00

0.00


IDN_KI

81,614,202,757,818.50

2.30

75,751,544,447.42

1.46

3,008.00

1.33

8,380,965,985.00

54.08

3.00

7.89

24. SULAWESI UTARA

IDN_SA

18,179,266,869,301.80

0.51

34,008,300,664.92

0.66

2,497.00

1.10

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

IDN_ST

8,240,704,815,819.12

0.23

15,015,104,992.32

0.29

1,165.00

0.52

0.00

0.00

0.00

0.00


IDN_SN

104,737,113,089,608.00

2.95

141,617,493,232.18

2.73

4,401.00

1.95

0.00

0.00

0.00

0.00


IDN_SG

16,500,053,744,979.20

0.46

16,726,588,134.77

0.32

685.00

0.30

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

2,672,213,830,619.12

0.08

5,129,714,175.05

0.10

490.00

0.22

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

3,171,458,527,805.18

0.09

4,414,673,646.70

0.09

186.00

0.08

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

2,832,110,722,344.72

0.08

5,547,441,227.49

0.11

839.00

0.37

25,960,000.00

0.17

2.00

5.26

31. MALUKU UTARA

IDN_MU

1,515,252,075,112.12

0.04

2,861,965,721.94

0.06

389.00

0.17

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

3,929,492,625,062.38

0.11

6,021,716,037.97

0.12

1,315.00

0.58

3,162,799,658.00

20.41

17.00

44.74

33. PAPUA

IDN_PA

7,501,516,646,068.73

0.21

13,077,329,570.67

0.25

1,933.00

0.86

150,000,003.00

0.97

3.00

7.89


IDN_KU

806,130,669,747.37

0.02

689,763,324.58

0.01

120.00

0.05

0.00

0.00

0.00

0.00

3,548,422,344,438,400.00

100.00

5,186,253,804,675.63

100.00

226,069.00

100.00

15,497,435,678.50

100.00

38.00

100.00

T OT AL

102



JUNI 2016




PROVINCE

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

Cresta ID

PROCESSING DATE :

8/15/2016



Amount

%


CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

IDN_AC

10,810,796,944,788.80

0.35

21,156,227,723.45

0.42

1,986.00

0.84

0.00

0.00

0.00

02. SUMATERA UTARA

IDN_SU

106,291,994,506,835.00

3.40

158,826,210,322.83

3.19

12,026.00

5.11

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

IDN_SB

41,844,559,004,614.60

1.34

80,569,034,418.57

1.62

17,987.00

7.65

17,491,400.00

1.89

2.00

13.33

04. RIAU

IDN_RI

59,039,144,113,315.80

1.89

68,237,741,754.51

1.37

4,380.00

1.86

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

12,135,295,796,438.10

0.39

14,037,376,432.43

0.28

2,459.00

1.05

0.00

0.00

0.00

0.00


IDN_SS

50,090,555,053,868.40

1.60

63,016,691,486.06

1.26

4,089.00

1.74

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

5,727,026,773,036.30

0.18

11,700,354,562.11

0.23

2,249.00

0.96

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

39,153,517,104,913.10

1.25

61,285,434,048.68

1.23

4,355.00

1.85

0.00

0.00

0.00

0.00


IDN_BB

6,140,760,416,290.51

0.20

6,015,313,432.53

0.12

821.00

0.35

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

38,962,262,634,430.30

1.25

42,039,078,042.52

0.84

1,648.00

0.70

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

658,917,880,791,553.00

21.06

1,073,263,352,012.98

21.54

56,596.00

24.06

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

792,019,285,433,894.00

25.32

1,405,999,067,647.37

28.22

36,206.00

15.39

0.00

0.00

0.00

0.00

13. JAWA TENGAH

IDN_JT

152,245,632,818,042.00

4.87

214,419,805,376.80

4.30

14,776.00

6.28

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

21,750,908,228,816.40

0.70

35,046,936,925.90

0.70

4,511.00

1.92

0.00

0.00

0.00

0.00

15. JAWA TIMUR

IDN_JI

417,009,822,442,438.00

13.33

604,623,471,715.06

12.14

21,101.00

8.97

111,029,676.05

12.03

3.00

20.00

16. BANTEN

IDN_BT

352,951,901,088,285.00

11.28

626,293,157,050.67

12.57

15,992.00

6.80

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

74,035,710,292,761.40

2.37

120,402,376,442.43

2.42

9,971.00

4.24

15,745,036.00

1.71

1.00

6.67


IDN_NB

8,214,426,948,563.84

0.26

15,050,397,851.28

0.30

1,840.00

0.78

0.00

0.00

0.00

0.00


IDN_NT

2,570,872,260,581.01

0.08

4,312,594,404.18

0.09

615.00

0.26

0.00

0.00

0.00

0.00


IDN_KB

13,327,127,449,506.20

0.43

13,179,338,784.00

0.26

1,664.00

0.71

0.00

0.00

0.00

0.00


IDN_KT

23,794,008,903,213.00

0.76

24,675,940,659.00

0.50

854.00

0.36

0.00

0.00

0.00

0.00


IDN_KS

32,840,961,867,321.30

1.05

32,631,754,854.45

0.65

1,727.00

0.73

0.00

0.00

0.00

0.00


IDN_KI

72,922,396,690,759.90

2.33

78,104,630,903.26

1.57

3,798.00

1.61

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

IDN_SA

15,997,680,972,442.90

0.51

32,968,981,537.61

0.66

2,292.00

0.97

78,511,425.00

8.51

3.00

20.00

25. SULAWESI TENGAH

IDN_ST

3,848,534,873,989.42

0.12

6,429,170,184.65

0.13

997.00

0.42

0.00

0.00

0.00

0.00


IDN_SN

93,647,146,280,532.70

2.99

131,813,160,424.80

2.65

4,314.00

1.83

0.00

0.00

0.00

0.00


IDN_SG

4,278,354,002,317.50

0.14

4,320,391,706.58

0.09

644.00

0.27

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

2,742,222,995,389.40

0.09

5,369,868,537.19

0.11

592.00

0.25

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

3,031,487,081,485.09

0.10

4,556,598,722.04

0.09

202.00

0.09

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

2,560,734,786,547.66

0.08

4,973,074,125.06

0.10

776.00

0.33

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

996,579,046,347.49

0.03

1,945,383,223.54

0.04

406.00

0.17

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

2,880,973,709,319.36

0.09

4,735,485,860.43

0.10

1,369.00

0.58

688,071,568.51

74.54

5.00

33.33

33. PAPUA

IDN_PA

5,634,291,535,443.88

0.18

10,083,917,679.23

0.20

2,032.00

0.86

12,238,038.00

1.33

1.00

6.67


IDN_KU

-5,129,000,000.00

0.00

-4,872,550.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3,128,409,723,848,080.00

100.00

4,982,077,446,302.20

100.00

235,275.00

100.00

923,087,143.56

100.00

15.00

100.00

T OT AL

103

0.00



JUNI 2016




PROVINCE

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

Cresta ID

PROCESSING DATE :

8/15/2016



Amount

%


CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

IDN_AC

9,115,117,293,870.24

0.43

16,248,179,341.27

0.36

1,652.00

0.87

24,004,968.00

0.01

2.00

3.23

02. SUMATERA UTARA

IDN_SU

88,467,285,205,864.50

4.21

133,784,071,876.98

2.95

9,646.00

5.09

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

IDN_SB

23,704,691,539,292.50

1.13

71,374,768,387.71

1.58

15,639.00

8.25

10,708,596.00

0.00

2.00

3.23

04. RIAU

IDN_RI

35,064,056,469,754.20

1.67

56,970,960,860.70

1.26

3,565.00

1.88

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

8,231,659,638,051.55

0.39

12,503,224,385.16

0.28

1,940.00

1.02

0.00

0.00

0.00

0.00


IDN_SS

30,750,924,977,797.60

1.46

47,956,576,539.54

1.06

2,912.00

1.54

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

4,060,325,847,435.66

0.19

9,919,463,583.07

0.22

1,847.00

0.97

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

27,534,812,464,501.00

1.31

41,048,588,970.66

0.91

3,082.00

1.63

0.00

0.00

0.00

0.00


IDN_BB

3,156,384,885,166.98

0.15

4,388,908,764.44

0.10

491.00

0.26

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

24,051,937,806,463.70

1.14

27,962,763,879.10

0.62

1,299.00

0.69

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

464,788,039,293,112.00

22.10

701,981,021,509.03

15.50

47,690.00

25.16

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

400,857,876,017,649.00

19.06

1,231,624,342,472.46

27.19

28,631.00

15.11

22,511,000.00

0.01

1.00

1.61

13. JAWA TENGAH

IDN_JT

121,725,177,084,954.00

5.79

193,688,843,537.58

4.28

10,229.00

5.40

36,698,640.00

0.01

1.00

1.61

14. DIY

IDN_YO

11,854,836,649,440.00

0.56

17,860,465,359.47

0.39

3,439.00

1.81

1,023,236,421.00

0.38

5.00

8.06

15. JAWA TIMUR

IDN_JI

387,941,546,339,995.00

18.44

562,633,653,334.69

12.42

14,712.00

7.76

271,054,377,462.82

99.56

49.00

79.03

16. BANTEN

IDN_BT

213,570,391,693,733.00

10.15

478,859,004,952.77

10.57

12,438.00

6.56

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

43,280,980,532,299.20

2.06

681,203,353,620.28

15.04

8,100.00

4.27

0.00

0.00

0.00

0.00


IDN_NB

3,077,047,054,149.34

0.15

8,855,521,003.67

0.20

1,365.00

0.72

15,869,069.88

0.01

1.00

1.61


IDN_NT

1,617,483,032,767.29

0.08

2,885,273,869.13

0.06

764.00

0.40

0.00

0.00

0.00

0.00


IDN_KB

7,209,974,391,744.74

0.34

7,800,778,346.28

0.17

1,072.00

0.57

0.00

0.00

0.00

0.00


IDN_KT

12,214,732,033,229.00

0.58

17,820,732,332.84

0.39

691.00

0.36

0.00

0.00

0.00

0.00


IDN_KS

28,151,320,447,496.90

1.34

37,603,654,824.48

0.83

1,254.00

0.66

0.00

0.00

0.00

0.00


IDN_KI

75,544,577,879,790.50

3.59

70,590,461,667.10

1.56

4,052.00

2.14

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

IDN_SA

20,475,241,127,098.30

0.97

34,254,606,338.33

0.76

1,859.00

0.98

53,658,000.00

0.02

1.00

1.61

25. SULAWESI TENGAH

IDN_ST

2,234,831,075,451.70

0.11

7,058,167,480.59

0.16

1,314.00

0.69

0.00

0.00

0.00

0.00


IDN_SN

24,508,942,520,664.60

1.17

28,522,763,153.53

0.63

3,408.00

1.80

0.00

0.00

0.00

0.00


IDN_SG

9,114,245,475,615.48

0.43

2,298,616,593.95

0.05

610.00

0.32

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

12,799,702,686,629.60

0.61

4,107,043,397.25

0.09

829.00

0.44

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

953,016,177,663.56

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

1,012,162,473,294.66

0.05

3,618,588,260.22

0.08

621.00

0.33

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

599,594,466,006.82

0.03

1,137,243,104.75

0.03

378.00

0.20

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

2,191,055,888,141.29

0.10

4,221,984,574.84

0.09

1,351.00

0.71

0.00

0.00

0.00

0.00

33. PAPUA

IDN_PA

3,526,473,596,439.34

0.17

6,884,834,863.94

0.15

2,333.00

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

2,103,386,444,065,560.00

100.00

4,529,595,941,316.70

100.00

189,524.00

100.00

272,241,064,157.70

100.00

62.00

100.00

T OT AL

104



JUNI 2016




PROVINCE

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

Cresta ID

PROCESSING DATE :

01/02/2016



Amount

%


CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

IDN_AC

8,330,895,104,607.12

0.42

12,528,481,214.65

0.46

1,934.00

1.11

1,384,397,296.00

78.10

8.00

44.44

02. SUMATERA UTARA

IDN_SU

75,442,661,983,736.50

3.82

12,528,481,214.65

0.46

9,336.00

5.37

82,118,384.00

4.63

4.00

22.22

03. SUMATERA BARAT

IDN_SB

27,133,363,706,752.40

1.37

97,061,534,578.02

3.56

15,501.00

8.92

0.00

0.00

0.00

0.00

04. RIAU

IDN_RI

33,319,463,443,743.90

1.69

48,783,925,164.28

1.79

3,529.00

2.03

0.00

0.00

0.00

0.00

05. JAMBI

IDN_JA

11,004,536,229,073.80

0.56

35,299,197,912.01

1.30

1,667.00

0.96

0.00

0.00

0.00

0.00


IDN_SS

40,908,911,211,970.40

2.07

10,915,221,747.41

0.40

2,335.00

1.34

0.00

0.00

0.00

0.00

07. BENGKULU

IDN_BE

4,460,385,210,968.84

0.23

42,667,530,496.39

1.57

2,119.00

1.22

0.00

0.00

0.00

0.00

08. LAMPUNG

IDN_LA

28,324,556,957,773.60

1.43

8,307,289,514.39

0.30

3,028.00

1.74

0.00

0.00

0.00

0.00


IDN_BB

3,776,611,255,319.56

0.19

40,036,126,531.07

1.47

523.00

0.30

0.00

0.00

0.00

0.00

10. KEPULAUAN RIAU

IDN_KR

23,717,827,478,743.10

1.20

3,403,314,549.65

0.12

1,165.00

0.67

0.00

0.00

0.00

0.00

11. JAKARTA

IDN_JK

400,177,640,620,151.00

20.27

20,673,160,969.51

0.76

36,284.00

20.87

0.00

0.00

0.00

0.00

12. JAWA BARAT

IDN_JB

456,402,985,831,360.00

23.12

600,168,864,300.49

22.03

27,291.00

15.70

0.00

0.00

0.00

0.00

13. JAWA TENGAH

IDN_JT

107,599,540,093,588.00

5.45

665,798,295,764.90

24.44

10,221.00

5.88

0.00

0.00

0.00

0.00

14. DIY

IDN_YO

11,645,215,567,402.70

0.59

134,205,061,880.52

4.93

3,278.00

1.89

0.00

0.00

0.00

0.00

15. JAWA TIMUR

IDN_JI

293,292,634,894,452.00

14.86

17,678,426,160.24

0.65

14,049.00

8.08

0.00

0.00

0.00

0.00

16. BANTEN

IDN_BT

217,265,948,079,530.00

11.00

379,860,033,904.99

13.94

11,440.00

6.58

0.00

0.00

0.00

0.00

17. BALI

IDN_BA

50,307,484,051,839.30

2.55

318,570,497,395.58

11.69

7,638.00

4.39

177,275,145.84

10.00

3.00

16.67


IDN_NB

3,872,366,415,500.33

0.20

73,264,139,805.44

2.69

1,488.00

0.86

50,937,046.00

2.87

1.00

5.56


IDN_NT

2,139,957,825,720.15

0.11

7,167,883,678.98

0.26

971.00

0.56

0.00

0.00

0.00

0.00


IDN_KB

6,322,259,558,617.00

0.32

3,302,437,014.52

0.12

1,823.00

1.05

0.00

0.00

0.00

0.00


IDN_KT

11,800,058,892,551.60

0.60

5,638,300,533.46

0.21

700.00

0.40

0.00

0.00

0.00

0.00


IDN_KS

14,661,265,575,615.70

0.74

10,685,751,241.15

0.39

1,280.00

0.74

0.00

0.00

0.00

0.00


IDN_KI

68,687,145,151,006.50

3.48

13,364,569,692.20

0.49

3,841.00

2.21

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

IDN_SA

11,251,956,214,549.50

0.57

64,217,779,892.00

2.36

1,877.00

1.08

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

IDN_ST

2,137,386,276,386.25

0.11

21,150,115,186.79

0.78

1,231.00

0.71

0.00

0.00

0.00

0.00


IDN_SN

26,808,326,792,795.70

1.36

3,376,340,442.68

0.12

3,194.00

1.84

77,942,400.00

4.40

2.00

11.11


IDN_SG

9,055,150,591,377.57

0.46

27,825,514,830.73

1.02

577.00

0.33

0.00

0.00

0.00

0.00

28. GORONTALO

IDN_GO

14,073,410,601,299.70

0.71

10,830,303,412.93

0.40

1,011.00

0.58

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

IDN_SR

1,119,431,627,504.72

0.06

27,916,176,981.64

1.02

254.00

0.15

0.00

0.00

0.00

0.00

30. MALUKU

IDN_MA

1,327,598,149,671.43

0.07

1,676,539,338.07

0.06

513.00

0.30

0.00

0.00

0.00

0.00

31. MALUKU UTARA

IDN_MU

805,164,815,352.22

0.04

2,445,393,617.83

0.09

428.00

0.25

0.00

0.00

0.00

0.00

32. PAPUA BARAT

IDN_PB

3,465,126,538,532.94

0.18

1,423,563,178.93

0.05

1,280.00

0.74

0.00

0.00

0.00

0.00

33. PAPUA

IDN_PA

3,672,047,929,566.26

0.19

1,423,563,178.93

0.05

2,021.00

1.16

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

1,974,309,314,677,060.00

100.00

2,724,193,815,325.03

100.00

173,827.00

100.00

1,772,670,271.84

100.00

18.00

100.00

T OT AL

105



JUNI 2016

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

:

106



F : Cum :

JUNI 2016

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

107



JUNI 2016


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

108





Wood

JUNI 2016

: 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** 109



JUNI 2016

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

110



JUNI 2016

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.

111



JUNI 2016


ZONA ASURANSI GEMPA BUMI INDONESIA PROVINSI BALI

BANTEN

BENGKULU

D.I. YOGYAKARTA

DKI JAKARTA

GORONTALO

JAMBI

KOTA / KABUPATEN

ZONA*

ZONA**

KAB. BADUNG

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

112



JUNI 2016

PROVINSI JAMBI

JAWA BARAT

JAWA TENGAH

KOTA / KABUPATEN

ZONA*

ZONA**

KAB. TANJUNG JABUNG TIMUR

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

113



JUNI 2016

PROVINSI JAWA TENGAH

JAWA TIMUR

KOTA / KABUPATEN

ZONA*

ZONA**

KAB. REMBANG

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

114



JUNI 2016

PROVINSI JAWA TIMUR

KALIMANTAN BARAT

KALIMANTAN SELATAN

KALIMANTAN TENGAH

KALIMANTAN TIMUR

KOTA / KABUPATEN

ZONA*

ZONA**

KAB. PACITAN

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

115



JUNI 2016

PROVINSI KALIMANTAN TIMUR

KALIMANTAN UTARA

KEPULAUAN BANGKA BELITUNG

KEPULAUAN RIAU

LAMPUNG

MALUKU

KOTA / KABUPATEN

ZONA*

ZONA**

KAB. KUTAI KARTANEGARA

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

116



JUNI 2016

PROVINSI MALUKU

MALUKU UTARA

NANGGROE ACEH DARUSSALAM

NUSA TENGGARA BARAT

NUSA TENGGARA TIMUR

KOTA / KABUPATEN

ZONA*

ZONA**

KAB. SERAM BAGIAN TIMUR

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

117



JUNI 2016

PROVINSI NUSA TENGGARA TIMUR

PAPUA

PAPUA BARAT

KOTA / KABUPATEN

ZONA*

ZONA**

KAB. MANGGARAI

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

118



JUNI 2016

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

119



JUNI 2016

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

120



JUNI 2016

PROVINSI SUMAT ERA BARAT

SUMAT ERA SELAT AN

SUMAT ERA UT ARA

ZONA*

ZONA**

KAB. PESISIR SELATAN

KOTA / KABUPATEN

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

121



JUNI 2016


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)

122



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

JUNI 2016

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

123

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**


JUNI 2016

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 124

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, 06/2016


CRESTA ID**


JUNI 2016

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 125

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, 06/2016


CRESTA ID**


JUNI 2016

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


126

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**


JUNI 2016

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

IDN_7315 IDN_7316 IDN_7317 IDN_7318 IDN_7322 IDN_7325 IDN_7326 IDN_7371 IDN_7372 IDN_7373 IDN_7401 IDN_7402 IDN_7403 IDN_7404 IDN_7405 IDN_7406 IDN_7407 IDN_7408 IDN_7409 IDN_7410 IDN_7471 IDN_7472 IDN_7501 IDN_7502 IDN_7503 IDN_7504 IDN_7505 IDN_7571 IDN_7601 IDN_7602 IDN_7603 IDN_7604 IDN_7605 IDN_8101 IDN_8102 IDN_8103 IDN_8104 IDN_8105 IDN_8106 IDN_8107 IDN_8108 IDN_8109 IDN_8171 IDN_8172 IDN_8201 127

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

JUNI 2016

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)

128



JUNI 2016


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)

129



JUNI 2016


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

130



JUNI 2016


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)

131


2016

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