Kata Pengantar Foreword

1

Statistik Asuransi Gempa Bumi Indonesia as at June 2011

Kata Pengantar Foreword Sesuai dengan tujuan pendiriannya, MAIPARK memberikan pelayanan bagi industri asuransi Indonesia dalam hal pengetahuan dan statistik mengenai risiko bencana. Inovasi terus kami lakukan untuk menyempurnakan laporan statistik ini, sehingga menjadi lebih akurat, rinci dan komprehensif. Berikut kami sajikan Laporan Statistik Asuransi Gempa Bumi Indonesia per Juni 2011 yang mencakup : o o o o

o o o o o

Inovasi terhadap sistem dan proses pengolahan data statistik. Peta Kejadian Gempa Bumi Indonesia. Peta Exposure Gempa Bumi Indonesia. Penggolongan tersendiri atas risiko multi lokasi, dalam laporan profile risiko dan klaim. Analisa asuransi gempa terkait kondisi makro ekonomi. Current Seismic Analysis. Laporan dengan dua bahasa (Bahasa Indonesia – Bahasa Inggris). Panel navigasi yang akan memudahkan dalam menelusuri laporan statistik ini. Tabel, peta dan grafik yang kreatif.

In line with the objective of its establishment, MAIPARK provide services for the insurance industry of Indonesia in terms of science and statistics on disaster risk. We keep on doing to make this statistics report to be more accurate, detailed and comprehensive. Herew ith we present Indonesian Earthquake of As at June 2011 which include: o o o o o o o o o

Innovation of the system and statistical data processing. Map of Indonesian Earthquake Occurrence. Map of Indonesian Earthquake Exposure. Separate classification of multi-location risks in and Loss report. Analysis of earthquake insurance related to macro economic conditions. Current . Bilingual reports (Indonesian - English). Navigation Panel to ease to trace the statistical report. Creative tables, maps and graphs.

Dengan semangat ”Go Green”, laporan tersebut disajikan dalam bentuk soft copy dan tidak lagi diproduksi dalam bentuk hard copy.

With the spirit of "Go Green” the report is presented in soft copy rather than hard copy.

Usaha yang kami lakukan dalam menyempurnakan laporan statistik ini tidak akan berarti apa - apa tanpa dukungan dari seluruh perusahaan asuransi. Data yang lengkap dan akurat akan sangat menentukan kualitas dari hasil statistik ini.

Our efforts to continously improve this statistic report are nothing without all insurance companies’ support. Complete and accurate data will greatly determine the quality of these statistical results.

i


Kami berharap laporan statistik ini dapat memberikan manfaat tidak hanya bagi perusahaan asuransi yang menangani asuransi gempa bumi, namun juga berguna bagi industri Asuransi Umum di Indonesia.

We hope that this statistic report is useful for both insurance companies having earthquake business and general insurance industry in Indonesia.

Salam Inovasi MAIPARK !!

Frans Y. Sahusilawane President Director

ii


Daftar Isi Kata Pengantar....................................................... i

Contents Foreword ................................................................ i

Daftar Isi................................................................ iii

Contents ................................................................ iii

Informasi Statistik ................................................ vi

Statistical Information .......................................... vi

Ikhtisar Kegiatan Asuransi Gempa Bumi Indonesia per Juni 2011 .........................................

Summary of Indonesia Earthquake Insurance As at June 2011 ............................................................

A. Pendahuluan ........................................... 1

A. Introduction ............................................ 1

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

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

C. Pertumbuhan Premi Bruto ..................... 2

C. Growth of Gross Premium ...................... 2

D. Jumlah Risiko ......................................... 5

D. Number of Risk ...................................... 5

E. Kontribusi Asuransi Gempa Bumi Indonesia .................................................... 8

E. Indonesian Earthquake Insurance Contribution ............................................... 8

F. Pertumbuhan Klaim Terjadi .................. 15

F. Growth of Claim Incurred.. .................... 15

Exposure Asuransi Gempa Bumi Indonesia ........ Tabel 2.1. Exposure Per Cresta Zone ........ 21

Indonesia Earthquake Insurance Exposure ........ Table 2.1.Exposure By Cresta Zone .......... 21

Tabel 2.2. Exposure Per Okupasi ............... 23

Table 2.2.Exposure By Occupation ............ 23

Tabel 2.3. Exposure Per Interest ............... 25

Table 2.3.Exposure By Interest .................. 25

Tabel 2.4. Exposure Per Provinsi ............... 27

Table 2.4.Exposure By Province ................ 27

Gross Premium Asuransi Gempa Bumi Indonesia ................................................................

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

Tabel 3.1. Gross Premium Per Cresta Zone ................................................................... 28

Table 3.1.Gross Premium By Cresta Zone 28 Table 3.2.Gross Premium By Occupation .. 30

Tabel 3.2. Gross Premium Per Okupasi ..... 30

Table 3.3.Gross Premium By Province ...... 32

Tabel 3.3. Gross Premium Per Provinsi ..... 32 Jumlah Risiko Asuransi Gempa Bumi Indonesia

Indonesian Earthquake Insurance Number of

Tabel 4.1. Jumlah Risiko Per Cresta Zone . 33

Risk .........................................................................

Tabel 4.2. Jumlah Risiko Per Okupasi ........ 35

Table 4.1.Number of Risk By Cresta Zone 33 Table 4.2.Number of Risk By Occupation .. 35

Klaim Asuransi Gempa Bumi Indonesia ..............

Indonesian Earthquake Insurance Claim .............

Tabel 5.1. Klaim Frekwensi Per Okupasi ... 37

Table 5.1. Claim Frequency By Occupation .................................................................. 37

Tabel 5.2. Klaim Frekwensi Per Cresta Zone ................................................................... 39 Tabel 5.3. Jumlah Klaim Per Okupasi ........ 41 Tabel 5.4. Jumlah Klaim Per Cresta Zone .. 43 Profil Risiko dan Klaim .......................................... Tabel 6.1. Semua Tahun Underwriting, Semua Okupasi, Semua Cresta Zone......... 45

iii

Table 5.2. Claim Frequency By Cresta Zone .................................................................. 39 Table 5.3. Claim Amount By Occupation... 41 Table 5.4. Claim Amount By Cresta Zone .. 43 Risk and Loss Profile ............................................ Table 6.1. All Underwriting Year, All Occupation, All Cresta Zone ...................... 45


Tabel 6.2. Tahun Underwriting 2011, Semua Okupasi, Semua Cresta Zone .................... 46

Table 6.2. Underwriting Year 2011, All Occupation, All Cresta Zone ...................... 46









Profil Risiko dan Klaim Tahun Underwriting 2011 .........................................................................

Risk and Loss Profile Underwriting Year 2011 ...

Okupasi Agricultural By Cresta Zone ......... 51

Commercial Occupation By Cresta Zone . 52

Okupasi Commercial By Cresta Zone ....... 52

Industrial Occupation By Cresta Zone ..... 53

Okupasi Industrial By Cresta Zone ........... 53

Residential Occupation By Cresta Zone ... 54

Agricultural Occupation By Cresta Zone .. 51

Okupasi Residential By Cresta Zone ......... 54 Profil Risiko dan Klaim Tahun Underwriting 2010 ......................................................................... Okupasi Agricultural By Cresta Zone ........ 55 Okupasi Commercial By Cresta Zone ....... 56 Okupasi Industrial By Cresta Zone ........... 57 Okupasi Residential By Cresta Zone ......... 58

Risk and Loss Profile Underwriting Year 2010 .. Agricultural Occupation By Cresta Zone 55 Commercial Occupation By Cresta Zone 56 Industrial Occupation By Cresta Zone ..... 57 Residential Occupation By Cresta Zone ... 58


Risk and Loss Profile Underwriting Year 2009 ...

Okupasi Agricultural By Cresta Zone ........ 59

Agricultural Occupation By Cresta Zone . 59

Okupasi Commercial By Cresta Zone ....... 60 Okupasi Industrial By Cresta Zone ........... 61 Okupasi Residential By Cresta Zone ......... 62

Commercial Occupation By Cresta Zone . 60 Industrial Occupation By Cresta Zone ..... 61 Residential By Cresta Zone ....................... 62


Risk and Loss Profile Underwriting Year 2008 ..


Agricultural Occupation By Cresta Zone . 63

Okupasi Commercial By Cresta Zone ....... 64 Okupasi Industrial By Cresta Zone ........... 65

Commercial Occupation By Cresta Zone . 64 Industrial Occupation By Cresta Zone ..... 65

Okupasi Residential By Cresta Zone ......... 66



Risk and Loss Profile Underwriting Year 2007 ..


Agricultural Occupation By Cresta Zone 67

Okupasi Commercial By Cresta Zone ....... 68

Commercial Occupation By Cresta Zone . 68

Okupasi Industrial By Cresta Zone ........... 69

Industrial Occupation By Cresta Zone ..... 69

Okupasi Residential By Cresta Zone ......... 70


iv


Daftar Istilah......................................................

Glossaries ......................................................

Lampiran

Attachments

1. Tarif Asuransi Gempa Bumi Indonesia

1. Indonesian Earthquake Insurance Tariff ................................................................

2. Skala First Loss ........................................ 3. Tabel Jangka Waktu Pertanggungan kurang dari satu tahun .......................... 4. Tabel Indemnitas ..................................

2. First Loss Scale ........................................ 3. Short Period Table less than one year period .................................................... 4. Indemnity Table ....................................

v


Informasi Statistik Statistics Information 1.

Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 30 Juni 2011.

2.

Sesi Limit 2.1. Limit Sesi didasarkan atas setiap risiko. 2.2. Yang dimaksud dengan setiap risiko (anyone risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masing-masing perusahaan asuransi. Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan asuransi atau penerbit polis sesuai dengan interpretasi perusahaan asuransi dalam underwriting polis kebakaran. 2.3. Besarnya Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut : 2.3.1. Untuk daerah Jawa Barat, Banten dan DKI : 5% (lima persen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis. 2.3.2 Untuk daerah Indonesia lainnya 25% (dua puluh lima persen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar

vi

1.

2.

Statistics are prepared on Underwriting Year basis, recorded as at June 30 2011. Cession Limit 2.1. Cession Limit is based on any one risk. 2.2. Anyone risk is the accumulation of (aggregate) total sum insured of all risks at the same location for each insurance compan y. The definition of anyone risk or any location is specified by the insurer or policy issuer in accordance with the interpretation of insurance companies in underwriting fire policy. 2.3. Cession Limit of any one risk for the combined material and business interruption damage are as follows: 2.3.1 For West Java, Banten and DKI : 5% (five percent) of the total sum insured, a maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer

2.3.2 Other area within Indonesia are 25% (twenty five percent) of total sum insured, maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer.


Amerika) atas setiap risiko setiap perusahaan asuransi atau penerbit polis. 2.4 Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang disesikan sebagaimana diatur dalam butir 2.3. diatas, dikalikan persentase First Loss Basis / Sublimit Basis. 2.5 Bilamana risiko ditutup secara koasuransi, jumlah maksimum sesi dari semua Anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur dalam 2.3. diatas. Sesi masing-masing perusahaan adalah proporsional sebanding sahamnya dalam ko-asuransi. Dalam hal terdapat penutupan lain selain polis ko-asuransi tersebut pada obyek pertanggungan yang sama, perusahaan asuransi tetap dapat mensesikan risiko dimaksud, dengan catatan jumlah seluruh sesi perusahaan asuransi bersangkutan tidak melebihi ketentuan yang diatur pada butir 2.3. 3.

vii

Tarif Premi 3.1. Penutupan dengan menggunakan Full Value Basis mengaplikasikan Tarif Premi Standar Gempa Bumi Indonesia (lampiran 1) 3.2. Penutupan dengan First Loss / Sub Limit Basis mengaplikasikan standar First Loss Scale (lampiran 2) 3.3. Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan diberlakukan skala premi jangka pendek (lampiran 3) 3.4. Untuk perhitungan premi Business Interruption diberlakukan Indemnity Period Scale (lampiran 4)

2.4 In term of first loss basis / sub limit policies, the amount cession are stipulated in item 2.3 above, then multiplied by the percentage of First Loss Basis / Sub-limit Basis. 2.5 For coinsurance policies, maximum cession from all members of coinsurance is stipulated in item 2.3 above. Each ceding company cedes proportionally depending on its share. In the even there are other policies on the same risk beside that coinsurance policy, insurer still can cede such risks subject to the maximum limit set out in item 2.3

3.

Premium Tariff 3.1. For the coverage of Full Value Basis, Indonesian earthquake rate standard is applied (attachment 1). 3.2. The coverage First Loss / Sub Limit Basis uses standard First Loss Scale (attachment 2). 3.3. Premium calculation for short period coverage is based on Short Period Scale (attachment 3). 3.4. Premium calculation for business interruption is based on Indemnity Period Scale (attachment 4)


4.

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

4.2

4.

4.1.1. Kerusakan Fisik : • Bangunan • Pondasi • Penggalian dan Sejenisnya • Persediaan Barang • Lain-lain 4.1.2 Gangguan Usaha : • Keuntungan Bruto • Upah • Kenaikan Biaya Operasional • Lain-lain Penutupan sebagaimana dimaksud pada butir 4.1. adalah yang ditutup secara langsung (direct business) termasuk koasuransi. Penutupan tidak langsung (indirect business/Reasuransi) tidak dapat disesikan.

Insured Objects 4.1. Insured objects that can be ceded are insured objects in fire policy. such as : 4.1.1. Material damage : • Buildings • Foundations • Excavation and the like • Stocks • Others 4.1.2. Business Interruption • Gross Profit • Wages • Increase in cost of working • Others 4.2. Insured objects referred in item 4.1 are objects from direct business insurance, including coinsurance. Indirect businesses cannot be ceded.

5.

Bordereaux Report. Bordereaux reports is submitted on a monthly basis for all risk underwritten in the month concerned and should be received by the end of the following month.

6.

In the case of Multi Location Risks with no details of sum insured provided per location, the risk cession and its premium calculation specified zones after approved by AAUI.

7.

In order to get overall earthquake insurance strongly hoped that members could cede cession.

5.

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

6.

Untuk kasus “Multi Location Risk” yang mengalami kesulitan dalam memberikan detail harga pertanggungan perlokasi maka dengan persetujuan AAUI pensesian risiko dan perhitungan premi dilakukan pada zona-zona tertentu.

7.

Untuk menggambarkan premi dan harga pertanggungan yang sebenarnya dalam penutupan asuransi gempa bumi berdasarkan ko-asuransi, diharapkan agar seluruh anggota ko-asuransi mensesikan risiko gempa bumi tersebut.

viii


pictures of each covers, it is all coinsurance the earthquake

Ikhtisar Kegiatan Usaha Asuransi Gempa Bumi Indonesia per Juni Tahun 2011 Summary of Indonesian Earthquake Insurance Business Activities in June 2011 A. Introduction

A. Pendahuluan. Berdasarkan laporan Badan Pusat Statistik

Based on the quarter II- 2011’s report on

tentang Pertumbuhan Ekonomi Indonesia

Indonesian economic growth issued by Statistic

Triwulan

Central Agency, Indonesia’s economic growth

II-2011,

pertumbuhan

ekonomi

Indonesia yang diukur berdasarkan kenaikan Pendapatan Domestik Bruto (PDB) pada

being measured by the increase of GDP at semester I-2011 have increased by 6.5%

semester I-2011 meningkat 6,5% dibandingkan

compared to the same period last year. The

semester I-2010. Besaran PDB atas dasar

GDP amount based on the current prices

harga berlaku pada triwulan II-2011 mencapai

reached Rp. 1,811.1 trillions. There are three

Rp. 1.811,1 Triliun. Ada tiga sektor yang

sectors dominating the highest increment

mendominasi tingkat pertumbuhan tertinggi

(quarter-to-quarter), i.e. Trade, Hotel and

(perbandingan triwulanan dari tahun lalu) yaitu

Restaurant Sector at 4.8%. It is followed by

sektor Perdagangan, Hotel dan Restoran

Construction sector at 4.2% and the last

sebesar 4,8 %, Sektor Konstruksi sebesar 4,2 % dan Sektor Listrik, Gas dan Air Bersih

Electricity, Gas and Water sector at 4.0%. Especially for the first two highest sectors, it

sebesar 4,0%. Tampak bahwa sektor yang

may reflect the growth of Real Sector overall. It

menduduki

is hoped that this will give positive impacts

2

(dua)

peringkat

teratas

mencerminkan pertumbuhan di Sektor Riil

towards the growth on insurance sector.

secara keseluruhan, yang tentunya diharapkan akan berdampak positif terhadap pertumbuhan di bidang asuransi. B. Struktur Pasar

B. Market Structure

Berdasarkan data yang berhasil kami

Based on the current that we collected per

kumpulkan Per 30 Juni 2011, terdapat 84

30 June 2011, there are 84 general insurers

perusahaan asuransi umum dan perusahaan

and general reinsurers in Indonesia having

reasuransi umum yang memiliki izin beroperasi

operating licenses in Indonesia. Out of those 84

di Indonesia. Dari 84 perusahaan tersebut, 18

companies, 18 are joint-venture insurance

perusahaan

companies, 4 are general reinsurance

adalah

perusahaan

asuransi

patungan, 4 perusahaan adalah perusahaan 1


reasuransi dan 62

sisanya merupakan

perusahaan asuransi swasta nasional.

companies and the remaining 62 are national private insurance companies.

Sebagai perusahaan asuransi umum satu-

As the only one general insurance focusing

satunya di Indonesia yang mengkhususkan diri

on special risks such as earthquake, MAIPARK

pada risiko-risiko khusus seperti gempa bumi,

keeps on developing and enhancing the

MAIPARK terus menerus melakukan perbaikan

existing system, including the process of

dan pengembangan seperti dalam sistem

making

pengolahan data dan pembuatan laporan

compulsory and non-compulsory cessions. It is

statistik yang terdiri dari pensesian wajib dan

hoped that the development on the quality of

pensesian tidak wajib. Diharapkan dengan

statistic report, the industry could take benefits

semakin meningkatnya kualitas laporan statistik

from the existence of MAIPARK through its

maka industri asuransi dapat menarik manfaat

outputs, ranging from geological reports related

akan keberadaan MAIPARK melalui output

to insurance business, earthquake insurance

yang dihasilkan, seperti laporan geologi terkait

rates and also the statistic report itself.

statistic

report

comprising

of

usaha asuransi, suku premi asuransi gempa bumi maupun laporan statistik ini sendiri. C. Pertumbuhan Premi Bruto

C. Gross Premium Growth

Per 30 Juni 2011, pendapatan premi bruto

Per 30 June 2011, the gross premium

untuk tahun underwriting 2007 adalah sebesar

income of underwriting year 2007 was Rp.

Rp. 1.858,2 miliar. Premi bruto untuk tahun

1,858.2 billion. At the same period in the first

underwriting 2008 tercatat Rp 1.919,7 miliar,

semester 2011, the gross premium income for

sedangkan untuk tahun underwriting 2009

underwriting year 2008 was Rp 1,919.7 billion.

adalah Rp. 1.946,7 miliar. Dan untuk tahun

For underwriting year 2009, it was Rp 1,946.7

underwriting 2010 dan 2011 pendapatan

billion. Finally, for underwriting year 2010 and

asuransi gempa bumi adalah Rp. 2.103,9 miliar

2011, they are Rp. 2,103.9 billion and Rp.

dan Rp. 452,9 miliar. Dikarenakan pencatatan

452.9 billion. Since these have not developed

ini dilakukan pada pertengahan tahun maka

yet in the first year, those figures were still little,

angka-angka yang tersaji di atas masih kecil,

and would certainly increase until the end of

terutama untuk tahun underwriting yang masih

2011, especially for the figures of underwriting

muda seperti tahun underwriting 2010 dan

year 2010 and certainly underwriting year 2011.

tahun underwriting 2011. Namun demikian, 2


angka tersebut dipastikan bergerak naik hingga pencatatan di akhir tahun 2011. Dari catatan statistik selama tahun

On our statistic report from underwriting year

underwriting 2007 – tahun underwriting 2011,

2007 to underwriting year 2011, Industrial

okupasi

rasio

occupation is always the biggest contribution

pendapatan premi bruto terbesar dibanding 3

comparing to the remaining three occupations.

(tiga) okupasi lainnya, yaitu selalu di atas 55%.

It always has percentage higher than 55%.

Kemudian diikuti oleh okupasi komersial,

Then, it is followed by commercial occupation,

okupasi residensial dan okupasi agrikultural.

residential

industrial

selalu

memiliki

Hal ini logis dilihat dari perkembangan bisnis keempat okupasi tersebut. Okupasi Industrial

yang

didominasi

oleh

pabrik,

occupation

and

agricultural

occupation. Having seen the development of those four occupations,

this

is

logical.

Industrial

manufaktur dan sejenisnya memiliki nilai

occupation which is dominated by business

pertanggungan yang pada umumnya besar

such as factories, manufacturers etc usually

sehingga pendapatan premi yang diperoleh

have big sum insured resulting big premium.

juga besar. Sebagai contoh adalah pada tahun

For example, in Underwriting Year 2007,

underwriting 2007, Unit Pengolahan IV Cilacap

Refinery Unit IV Cilacap Pertamina as the main

Pertamina sebagai pemasok 34% kebutuhan

provider of 34% Fuel Oil for national needs or

BBM nasional atau 60% kebutuhan BBM di

60% Fuel Oil in Java Island has the biggest

pulau Jawa, memiliki pertanggungan tertinggi

sum insured at Rp. 46.4 trillion. Since this

yaitu sebesar Rp. 46,4 Triliun. Mengingat

statistic report contains the latest 5 year

laporan statistik ini memuat informasi selama 5

information (UY 2007 – UY 2011), therefore

tahun terakhir (UY 2007 – UY 2011), maka

such data still appears in this report.

data tersebut masih tercatat dalam laporan. Okupasi komersial yang didominasi gedung

Commercial occupation being dominated

bertingkat, gedung perkantoran, ruko (rumah

by high-rise buildings, office buildings, shop-

toko) dan rukan (rumah kantor) walaupun

houses and office-houses, having the same

memiliki tarip premi yang sama dengan okupasi

premium rate with industrial occupation, have

industrial, namun memiliki nilai pertanggungan

relatively smaller sum insured compared to

yang relatif kecil dibanding okupasi industrial

industrial occupation. In total, the premium will

sehingga total premi yang diperoleh pun lebih

consequently

kecil dari okupasi lndustrial.

occupation.

3

be

smaller

than


industrial

Meskipun okupasi residensial dan okupasi

Although residential occupation and agricultural

agrikultur tidak memberikan kontribusi sebesar

occupation do not give premium contribution as

okupasi industrial dan okupasi komersial

much as industrial occupation and commercial

namun kedua okupasi tersebut mengalami

occupation, they have enough premium

pertumbuhan premi bruto yang cukup tinggi.

increase growth. By assuming there are no

Dengan

ada

meaningful premium increase growth on

pertumbuhan premi yang berarti pada tahun

underwriting year 2007 and underwriting year

underwriting 2007 dan 2008 maka dapat

2008, we can say the gross premium of

dikatakan premi bruto okupasi residensial pada

residential occupation in underwriting year

tahun underwriting 2008 meningkat sebesar

2008 increased 40.7% comparing to the same

40,7% dibanding tahun sebelumnya dan premi

period last year. Also, the gross premium of

bruto

agricultural occupation in underwriting year

mengasumsikan

okupasi

agrikultur

tidak

pada

tahun

underwriting 2008 meningkat sebesar 74,3%

2008 increase 74.3% from last year.

dari tahun sebelumnya. Tabel 1.1 di bawah ini menyajikan rincian

The table 1.1 below presents the details of

premi bruto berdasarkan jenis okupasi dari

gross premium based on the occupation type

tahun underwriting 2007 sampai semester

from underwriting year 2007 to the first

pertama tahun underwriting 2011.

semester underwriting year 2011.

Premi Bruto dan Rasio Berdasarkan Okupasi Gross Premium and Ratio By Occupation Per / As at 30 June 2011

Dalam Jutaan Rupiah In Million Rupiah

Tahun Underwriting

Okupasi

Agrikultur / Agricultural

Komersil / Commercial

Industri / Industrial

Residensil / Residential

2007

9,949.0

0.54%

394,454.9

21.22% 1,300,315.7

69.98%

153,455.3

8.26% 1,858,174.9

2008

17,346.4

0.90%

456,031.0

23.76% 1,230,379.6

64.09%

215,933.2

11.25% 1,919,690.2 14.32% 1,946,704.2

2009

16,613.9

0.85%

456,221.1

23.44% 1,195,083.2

61.39%

278,786.0

2010

20,851.8

0.99%

373,764.3

17.77% 1,432,168.0

68.07%

277,143.4

13.17% 2,103,927.5

2011

1,943.9

0.44%

68,591.3

15.14%

57.07%

123,886.5

27.35%

258,501.1

Tabel 1.1. Tabel premi bruto masing-masing okupasi pada tahun underwriting 2007 – 2011 per 30 Juni 2011 Table 1.1. Table of gross premium of each occupation underwriting year 2007 – 2011 as at 30 June 2011

4

Total


452,922.9

D. Jumlah Risiko

D. Number of Risk

Tabel 1.2 dibawah ini menyajikan jumlah

Table 1.2 below shows number of risks on

risiko pada masing-masing tahun underwriting

each underwriting year recorded until 30 June

yang tercatat sampai dengan 30 Juni tahun

2011, ranging from underwriting year 2007 to

2011, yaitu dari tahun underwriting 2007 hingga

underwriting year 2011. This table does not

tahun underwriting 2011. Tabel ini tidak

include multi-location risks - a special group

termasuk risiko multilokasi dimana kami

comprising of the inaccurate risk details. Due

mengelompokkannya dalam satu kelompok

to inaccurate risks details, it is not correct to put

khusus dikarenakan kurang rincinya data yang

this multi-location group into one of those four

kami terima sehingga kurang tepat jika kami

occupation categories. This fact gives a

memasukkan risiko yang tidak terindentifkasi

message to general insurance industry to cede

tersebut ke dalam jenis okupasi tertentu.

the earthquake cession more complete and

Kenyataan ini juga memberi pesan kepada

more accurate to make this statistic report more

industri asuransi kerugian untuk mensesikan

perfect.

data-data tersebut secara lebih akurat dan lengkap

untuk

menyempurnakan

laporan

statistik kami. Jumlah Risiko Berdasarkan Okupasi Number of Risk By Occupation

.

Per / As at 30 June 2011

Okupasi

Tahun Underwriting / Underwriting Year 2008 2009 2010

2007

Agricultural Commercial Industrial Residential

412 39,310 11,704 31,585

TOTAL

83,011

0.50% 47.36% 14.10% 38.05%

599 64,507 9,682 36,244 111,032

0.54% 58.10% 8.72% 32.64%

348 55,866 11,526 41,136 108,876

0.32% 51.31% 10.59% 37.78%

265 47,881 10,553 43,312

2011 0.26% 46.94% 10.34% 42.46%

102,011

64 5,083 933 776 6,856

Tabel 1.2. Jumlah risiko masing-masing okupasi pada tahun underwriting 2007 - 2011 per 30 Juni 2011 Table 1.2. Number of risk of each occupation underwriting year 2007 – 2011 as at 30 June 2011

Chart 1.1. Diagram batang menunjukan jumlah risiko tiap okupasi pada tahun underwriting 2007 - 2011 per 30 Juni 2011 Chart 1.1. Bar chart showing number of risk each occupation underwriting year 2007 – 2011 as at 30 June 2011

5


0.93% 74.14% 13.61% 11.32%

Berbeda dengan kontribusi premi bruto

Different from industrial occupation that has

terbesar yang ada pada okupasi industrial,

given biggest premium contribution so far, the

maka jumlah risiko terbesar untuk setiap tahun

commercial occupation contributes the highest

underwriting,

tahun

number of risks from underwriting year 2007 to

underwriting 2007 sampai tahun underwriting

underwriting year 2011. Then, it is followed with

2011, ada pada okupasi komersial. Kemudian

residential occupation, industrial occupation

diikuti oleh okupasi residensial, okupasi

and the last agricultural occupation.

dalam

hal ini

dari

industrial dan terakhir okupasi agrikultural. Besarnya jumlah risiko pada okupasi

In addition to the high number of high-rise

komersial adalah selain banyaknya gedung

buildings, banks and companies having

bertingkat tinggi, bank dan perusahaan yang

branches in other area in Indonesia, the shop-

memiliki cabang di beberapa wilayah Indonesia

houses also contribute to the number of risks

juga karena rumah toko (shop houses) masuk

on commercial occupation. Shop-houses have

dalam kategori okupasi komersial. Rumah toko

sum insured range from Rp 500 million to Rp 1

memiliki kisaran nilai pertanggungan sekitar

trillion or more. From the sum insured side,

Rp. 500 juta hingga Rp. 1 mililar atau lebih.

shop-houses are not far much different than

Dari segi nilai pertanggungan, rumah toko tidak

ordinary dwelling-houses. However; from the

berbeda jauh dengan nilai pertanggungan pada

quantity side, the large quantity of shop-houses

rumah biasa, namun dari segi kuantitas

directly contribute to the number of commercial

banyaknya rumah toko (shop houses) secara

occupation. Also, the residential occupation has

langsung menyumbang kontribusi jumlah risiko

large number of risks but still below the number

yang besar pada okupasi komersial. Begitupun

of risks of commercial occupation. Meanwhile,

pada okupasi residensial, jumlah risiko yang

industrial occupation as the biggest premium

tercatat cukup besar namun masih dibawah

contributor only ranks third in terms of number

jumlah risiko komersial. Sementara itu, okupasi

of risks. The reason is the industrial occupation

industrial sebagai penyumbang kontribusi

only locates on specific locations and not

premi bruto tertinggi hanya menempati urutan

located widespread all over Indonesia such as

ketiga dalam jumlah risiko. Hal ini dikarenakan

Refinery Unit Pertamina. Lastly, agricultural

lokasi dari okupasi industrial yang hanya

occupation has the least number of risks

berada pada titik-titik tertentu dan tidak

compared to other occupations because

tersebar di berbagai wilayah Indonesia,

agricultural occupation is rarely insured with

contohnya,

earthquake cover.

Unit

Pengolahan

Pertamina.

Terakhir, okupasi agrikultural memiliki jumlah risiko yang paling rendah dibandingkan okupasi 6


lainnya karena sedikitnya okupasi ini yang memiliki penutupan asuransi gempa bumi. Sebagai sentuhan terakhir analisa pada

As the final touch on the analyze of number

jumlah risiko, idealnya jumlah risiko terbesar

of risks, ideally the number of risk lies on

ada pada okupasi residensial yang diwakili

residential occupation being represented by

rumah tinggal. Namun kenyataannya okupasi

dwelling houses. On the contrary, this

ini menempati peringkat kedua. Hal ini

occupation ranks number two. The possible

diakibatkan selain sedikitnya rumah tinggal

reasons are there are little number of dwelling

yang memiliki asuransi gempa bumi, juga

houses having earthquake risks covers and if

jikapun terdapat

memiliki

they have, they have homeowners’ insurance

asuransi gempa bumi, maka pertanggungan

package which are not included in earthquake

gempa bumi

insurance risks being ceded to MAIPARK.

asuransi

rumah yang

tersebut berada pada paket

rumah

tinggal

(house

owners

insurance package) yang tidak dimasukkan dalam risiko asuransi gempa bumi yang disesikan ke MAIPARK.

7


E. Kontribusi Asuransi Gempa Bumi

E. Earthquake Insurance Contribution

Berdasarkan data dari Badan Pusat

Based on the data from Central Agency Of

Statistik dan Biro Perasuransian Indonesia

Statistic and Indonesian Insurance Bureau –

Bapepam LK tahun 2010, pertumbuhan

Capital Market Investment Agency year 2010,

ekonomi Indonesia juga tercermin dalam

Indonesian economic development is reflected

pertumbuhan

on the insurance industry growth, either life

industri

asuransi,

baik

itu

asuransi jiwa maupun asuransi kerugian.

insurance or general insurance.

Dalam laporan yang dikeluarkan oleh Biro

In the Insurance Directory 2010 report

Perasuransian Indonesia - Bapepam LK, yaitu

issued by Indonesian Insurance Bureau of

dalam buku Perasuransian Indonesia 2010,

Capital Market Investment Agency, the gross

tercatat penerimaan premi bruto asuransi di

premium income of 2010 increased 17.5 %

tahun 2010 meningkat sebesar 17,5 % dari

from Rp. 106.4 trillions to become Rp. 125.1

tahun sebelumnya, yaitu dari Rp 106,4 triliun

trillions. The insurance density in 2010

menjadi Rp.125,1 triliun. Sedangkan insurance

recorded Rp. 526,584 for Indonesia population

sebesar

that reached 237.6 millions people. It also

Rp.526.584 untuk jumlah penduduk Indonesia

means, each Indonesian resident spent Rp.

sebanyak 237,6 juta jiwa di tahun 2010. Ini

526,584 to buy insurance product. On the other

berarti

Indonesia

hand, gross premium income contribution

menghabiskan Rp. 526.584 untuk membayar

toward Gross Premium Products reached

premi asuransi. Sedangkan kontribusi premi

1.95% in the same year. This ratio increases

bruto

Produk

from the last year’s ratio at 1.90%. Table 1.3

Domestik Bruto sebesar 1,95% pada tahun

below shows such increment from year 2006 to

yang sama. Hal ini berarti terjadi peningkatan

year 2010.

density

tahun

2010

rata-rata

sektor

tercatat

penduduk

asuransi

terhadap

dari rasio tahun sebelumnya, yaitu sebesar 1,90%. Tabel 1.3 dibawah ini menjelaskan hal tersebut dari tahun 2006 hingga tahun 2010.

.

8


Dalam Milyar Rupiah In Billion Rupiah

Tahun Year

2006 2007 2008 2009 2010

Premi Bruto Gross Premiums 1) Jumlah/Total Pertumbuha n/Growth a % 55,605.3 77,831.6 90,311.7 106,445.9 125,116.4

15.5 40.0 16.0 17.9 17.5

Produk Domestik Bruto Gross Domestic Produk 2) Jumlah/Total Pertumbuha n/Growth b % 3,339,216.8 3,950,893.2 4,951,356.7 5,613,442.0 6,422,918.0

20.40 18.30 25.30 13.40 14.40

Rasio/Ratio a/b

1.67 1.97 1.82 1.90 1.95

1) Premi Bruto (termasuk Premi Program Jaminan Hari Tua (JHT)) = Premi Pos Langsung + Premi Reasuransi diterima dari Luar Negeri Gross Premium (include Premium of Pension Benefits (JHT)) = Direct Premium + Reinsurance Premium Inward from Abroad 2) Sumber : Biro Pusat Statistik (BPS) berdasarkan Harga yang Berlaku Source : Central Of Statistic Bureau (BPS) using Current Market Prices

Tabel 1.3 Tabel Premi Bruto dan Produk Domestik Bruto 2006 - 2010 Table 1.3 Gross Premiums and Gross Domestic Products 2006 – 2010 Table

penyebaran

By looking at the spread of earthquake

asuransi gempa bumi berdasarkan provinsi

insurance by province during underwriting year

maka selama tahun underwriting 2007 – tahun

2007 – underwriting year 2010, the highest

underwriting 2010, rata-rata rasio premi bruto

average growth on gross premium is in DKI

tertinggi berada pada provinsi DKI Jakarta

Jakarta (20.75%), Jawa Barat (18.93%), Jawa

(20,75%), Jawa Barat (18,93%), Jawa Timur

Timur (14.35%) dan Banten (11.03%).

(14,35%) dan Banten (11,03%). DKI Jakarta

Jakarta gives the highest earthquake premium

memiliki kontribusi premi asuransi gempa bumi

contribution during those underwriting years

tertinggi selama tahun underwriting tersebut

since DKI Jakarta is the capital city and the

karena selain sebagai pusat pemerintahan dan

central business having the highest economic

pusat bisnis yang bernilai ekonomi tinggi,

values. The people living in this capital city

masyarakat yang tinggal di ibukota negara

relatively have good financial and insurance

Indonesia ini relatif lebih memiliki kemampuan

educational background.

Dengan

memperhatikan

DKI

finansial serta edukasi yang cukup baik tentang asuransi. Namun demikian jika dilihat dari kontribusi

However, if we look at the earthquake

asuransi gempa bumi terhadap pendapatan

insurance

domestik regional bruto atau penetrasi asuransi

regional GDP or insurance penetration per

per provinsi ternyata rata-rata rasio penetrasi

province, the highest earthquake insurance

asuransi gempa bumi tertinggi selama tahun

penetration ratio during underwriting year 2007

premium

contribution

towards

– underwriting year 2010 is in Banten Province 9


underwiting 2007 – tahun underwriting 2010

at 0.15% then Gorontalo Province at 0.12%,

terletak pada provinsi Banten yaitu sebesar

DKI Province at 0.06% and West Java Province

0,15% kemudian diikuti oleh Gorontalo sebesar

at 0.06%.

0,12%, Provinsi DKI Jakarta sebesar 0,06% dan Provinsi Jawa Barat sebesar 0,06%. Alasan mengapa penetrasi asuransi gempa bumi tertinggi ada pada Provinsi Banten karena selain memiliki rata-rata rasio premi bruto yang cukup tinggi yaitu 11,03% , produk domestik regional bruto Provinsi Banten relatif lebih kecil dibandingkan DKI Jakarta dan Jawa Barat. Industri

baja,

listrik,

kimia

dan

pupuk

memberikan kontribusi terhadap pendapatan premi bruto di provinsi ini. Yang cukup menarik adalah provinsi Gorontalo sebagai peringkat tertinggi kedua rata-rata rasio penetrasi asuransi gempa bumi. Walaupun secara ratarata rasio premi bruto masih kecil, namun jumlah premi bruto Provinsi Gorontalo di tahun 2009 mencapai Rp. 16.025,2 juta meningkat 2.649 % dari tahun sebelumnya Rp. 582,9 juta. Begitupun di tahun 2010, premi bruto di Provinsi ini tercatat sebesar Rp. 17.409,67 juta. Kehadiran sektor perkebunan dan pupuk memberikan kontribusi yang sangat besar terhadap pendapatan premi bruto asuransi gempa bumi pada provinsi ini.

Selain itu,

produk domestik regional bruto Provinsi Gorontalo relatif lebih kecil dibandingkan DKI Jakarta serta Jawa Barat, sehingga penetrasi asuransi gempa bumi provinsi ini menjadi

The reason why the highest earthquake insurance penetration ratio lies on Banten Province is because Banten Province has an average significant gross premium growth ratio at 11.03% and the regional GDP of Banten is relatively small compared to DKI Jakarta and West Java. Steel manufacturer, Electricity, Chemistry and Fertilizer gives contribution towards gross premium income for this province. The most interesting thing is Gorontalo province ranks the second highest earthquake

insurance

gross

Although the average gross premium ratio is still small, the gross premium income of Gorontalo Province reached Rp. 16,025.2 million in 2009. It increased 2,649% from the previous year at Rp. 582.9 million. In 2010, the gross premium of this province recorded Rp 17,409.67 million. The existence of plantation sector

and

fertilizer

gives

significant

contribution towards gross premium income for this province. Moreover, the GDP of Gorontalo is relatively small comparing to DKI Jakarta and West Java and it makes the insurance penetration ratio for this province becomes high.

tinggi.

10

premium.


Sebagai catatan, sesuai dengan yang

As a supplementary note, the GDP

dilaporkan Badan Pusat Statistik (BPS) maka

Regional shown is only for the period until 2010

tabel Produk Domestik Regional Bruto yang

as being reported by Statistic Central Agency.

ditampilkan

2010,

Therefore the presentation and analyze for

sehingga pembahasan dan analisa untuk

earthquake insurance penetration for 2011 will

penetrasi asuransi gempa bumi tahun 2011

be presented in the report next semester.

akan

hanya

dilakukan

sampai

tahun

pada

laporan

dibawah

ini

semester

berikutnya. Tabel

1.4

menyajikan

This following table 1.4 shows earthquake

kontribusi pendapatan premi asuransi gempa

insurance contribution by province, as at June

bumi yang dibagi berdasarkan provinsi, catatan

30, 2011.

per tanggal 30 Juni 2011. Premi Bruto Asuransi Gempa Bumi Berdasarkan Provinsi 2007 - 2011 Earthquake Gross Premium By Province 2007 - 2011 PREMI BRUTO ASURANSI GEMPA BUMI EARTHQUAKE INSURANCE GROSS PREMIUM *) As at 30 June 2011 Underwriting Year

Provinsi / Province 2007 1. Nanggroe Aceh Darussalam 2. Sumatera Utara 3. Sumatera Barat 4. Riau 5. Jambi 6. Sumatera Selatan 7. Bengkulu 8. Lampung 9. Kepulauan Bangka Belitung 10. Kepulauan Riau 11. DKI Jakarta 12. Jawa Barat 13. Jawa Tengah 14. DI. Yogyakarta 15. Jawa Timur 16. Banten 17. Bali 18. Kalimantan Barat 19. Kalimantan Tengah 20. Kalimantan Selatan 21. Kalimantan Timur 22. Sulawesi Utara 23. Sulawesi Tengah 24. Sulawesi Selatan 25. Sulawesi Tenggara 26. Gorontalo 27. Sulawesi Barat 28. Nusa Tenggara Barat 29. Nusa Tenggara Timur 30. Maluku 31. Maluku Utara 32. Papua Barat 33. Papua TOTAL

Dalam Jutaan Rupiah In Million Rupiah

%

28,766.10 67,024.43 10,460.74 73,686.77 4,161.64 51,863.11 2,371.38 20,307.59 473.82 16,466.74 366,667.61 342,953.86 146,422.95 6,742.19 260,796.85 173,734.44 33,147.17 1,812.98 2,776.69 25,172.71 134,804.71 5,212.40 1,572.83 23,375.82 34,445.67 574.73 86.01 3,813.83 530.99 534.01 706.34 1,168.85 15,538.94 1,858,174.90

1.5% 3.6% 0.6% 4.0% 0.2% 2.8% 0.1% 1.1% 0.0% 0.9% 19.7% 18.5% 7.9% 0.4% 14.0% 9.3% 1.8% 0.1% 0.1% 1.4% 7.3% 0.3% 0.1% 1.3% 1.9% 0.0% 0.0% 0.2% 0.0% 0.0% 0.0% 0.1% 0.8% 100.0%

2008 6,056.94 62,159.08 20,362.62 94,150.39 5,079.95 34,390.65 6,065.30 35,398.58 3,308.46 17,790.88 422,229.71 335,091.75 127,092.83 12,570.39 304,918.63 193,894.47 47,348.44 3,243.69 3,603.39 45,826.94 57,297.32 5,963.57 1,838.98 24,170.27 36,382.59 582.96 117.89 2,905.63 738.08 513.23 733.66 1,387.40 6,475.53 1,919,690.17

% 0.3% 3.2% 1.1% 4.9% 0.3% 1.8% 0.3% 1.8% 0.2% 0.9% 22.0% 17.5% 6.6% 0.7% 15.9% 10.1% 2.5% 0.2% 0.2% 2.4% 3.0% 0.3% 0.1% 1.3% 1.9% 0.0% 0.0% 0.2% 0.0% 0.0% 0.0% 0.1% 0.3% 100.0%

2009 18,823.43 79,619.17 17,576.09 44,559.52 33,240.67 37,785.54 5,566.64 30,693.42 4,248.69 17,165.29 446,256.16 385,968.35 94,932.96 15,006.08 284,784.55 215,414.22 53,148.99 4,204.39 5,420.12 24,331.56 53,905.95 10,929.62 1,536.27 25,690.99 8,814.04 16,025.17 651.12 2,712.02 899.32 877.95 579.35 1,615.79 3,720.75 1,946,704.18

% 1.0% 4.1% 0.9% 2.3% 1.7% 1.9% 0.3% 1.6% 0.2% 0.9% 22.9% 19.8% 4.9% 0.8% 14.6% 11.1% 2.7% 0.2% 0.3% 1.2% 2.8% 0.6% 0.1% 1.3% 0.5% 0.8% 0.0% 0.1% 0.0% 0.0% 0.0% 0.1% 0.2% 100.0%

2010 56,476.14 117,390.13 41,270.02 94,625.28 3,987.52 31,430.67 5,524.20 30,699.54 3,203.27 16,270.10 386,149.84 418,980.57 107,000.11 15,166.51 270,954.83 286,165.13 49,406.59 3,403.95 4,796.22 11,580.16 69,792.99 10,691.00 1,619.98 17,730.37 9,645.87 17,409.67 507.72 13,726.21 1,146.29 1,562.24 529.01 1,844.02 3,241.36 2,103,927.51

% 2.7% 5.6% 2.0% 4.5% 0.2% 1.5% 0.3% 1.5% 0.2% 0.8% 18.4% 19.9% 5.1% 0.7% 12.9% 13.6% 2.3% 0.2% 0.2% 0.6% 3.3% 0.5% 0.1% 0.8% 0.5% 0.8% 0.0% 0.7% 0.1% 0.1% 0.0% 0.1% 0.2% 100.0%

Tabel 1.4 Premi Bruto Asuransi Gempa Bumi Berdasarkan Provinsi 2007 – 2011 Table 1.4 Earthquake Gross Premiums by Province 2007 - 2011

11


2011 57.54 22,169.14 6,231.51 6,612.75 253.06 3,449.55 808.52 9,203.48 224.64 3,383.94 110,453.44 78,725.68 13,473.78 8,912.75 74,078.14 61,656.54 10,008.56 311.06 2,550.85 4,103.62 6,187.39 3,831.76 50.96 2,286.95 18.98 23,065.15 0.00 310.01 170.03 166.12 3.83 4.84 158.29 452,922.87

% 0.0% 4.9% 1.4% 1.5% 0.1% 0.8% 0.2% 2.0% 0.0% 0.7% 24.4% 17.4% 3.0% 2.0% 16.4% 13.6% 2.2% 0.1% 0.6% 0.9% 1.4% 0.8% 0.0% 0.5% 0.0% 5.1% 0.0% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0%

Tabel 1.5 dibawah ini menyajikan penetrasi

This following table 1.5 shows earthquake

asuransi gempa bumi per provinsi dan peta 1.1

insurance penetration per province, and map

menunjukkan distribusi eksposur asuransi

1.1 shows Indonesia earthquake exposure

gempa bumi di Indonesia untuk tahun

distribution per province for underwriting year

underwriting

2011 as at June 30, 2011

2011

berdasarkan

provinsi,

catatan per tanggal 30 Juni 2011

Penetrasi Asuransi Gempa Bumi Berdasarkan Provinsi 2007 - 2010 Earthquake Insurance Penetration By Province 2007 - 2010

.

Provinsi / Province

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33

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

Produk Domestik Regional Bruto Atas Dasar Harga Berlaku Gross Domestic Regional Bruto at Current Price Dalam Jutaan Rupiah / In Million Rupiah *) Biro Pusat Statistik 2007 2008 2009 **)

Penetrasi Asuransi Gempa Bumi Earthquake Insurance Penetration

2010 ***)

2007

*) As at 30 June 2011 2008 2009 2010

0.04% 0.04% 0.02% 0.04% 0.01% 0.05% 0.02% 0.03% 0.00% 0.03% 0.06% 0.07% 0.05% 0.02% 0.05% 0.16% 0.08% 0.00% 0.01% 0.06% 0.06% 0.02% 0.01% 0.03% 0.19% 0.01% 0.00% 0.01% 0.00% 0.01% 0.02% 0.01% 0.03%

0.01% 0.03% 0.03% 0.03% 0.01% 0.03% 0.04% 0.05% 0.02% 0.03% 0.06% 0.05% 0.03% 0.03% 0.05% 0.14% 0.09% 0.01% 0.01% 0.10% 0.02% 0.02% 0.01% 0.03% 0.14% 0.01% 0.00% 0.01% 0.00% 0.01% 0.02% 0.01% 0.01%

71,093,359

73,547,551

71,694,545

77,505,598

181,819,737

213,931,697

236,353,616

275,700,207

59,799,045

70,954,515

76,752,938

87,221,253

210,002,560

276,400,130

297,173,028

342,691,449

32,076,677

41,056,484

44,127,006

53,816,693

109,895,707

133,664,987

137,331,848

157,772,133

12,874,344

14,915,887

15,920,849

18,036,964

60,921,966

73,719,259

87,842,780

107,277,262

17,895,017

21,421,340

22,982,018

25,705,626

51,826,272

58,574,996

63,892,937

71,614,514

566,449,360

677,044,743

757,696,594

862,158,911

526,220,225

633,283,483

689,841,314

770,660,480

312,428,807

367,135,955

397,903,944

444,396,468

32,916,736

38,101,685

41,407,050

45,591,853

534,919,333

621,391,675

686,847,558

778,455,772

107,499,652

139,861,487

151,979,884

170,525,382

42,336,424

51,916,170

60,292,239

66,690,598

42,478,601

49,132,966

54,234,104

60,475,252

27,931,950

32,760,168

37,114,186

42,567,205

39,438,767

45,843,794

51,460,176

58,541,819

222,628,921

314,813,521

284,966,501

321,090,818

24,081,133

28,697,756

33,033,610

36,834,793

22,757,593

28,727,505

32,395,370

36,856,443

69,271,925

85,143,191

99,954,590

117,830,270

17,953,074

26,052,666

30,103,527

33,269,481

4,760,695

5,906,736

7,069,054

8,056,515

6,192,786

8,296,606

9,403,379

10,986,625

33,522,225

35,188,290

42,410,915

49,362,706

19,136,982

21,655,695

24,178,965

27,710,331

5,698,799

6,269,958

7,069,642

8,084,807

3,160,042

3,862,243

4,690,568

5,387,444

10,367,279

13,975,127

17,214,138

22,527,365

55,380,453

61,516,238

77,728,565

89,451,249

3,535,736,449

4,274,764,504

4,653,067,434

5,284,854,287

Catatan : **) Angka Sementara, Sumber BPS/Estimate figures. Source : BPS ***) Angka Sangat Sementara, Sumber BPS/Rough Estimate figures. Source : BPS Tabel 1.5 / Table 1.5

12


0.03% 0.03% 0.02% 0.01% 0.08% 0.03% 0.03% 0.03% 0.02% 0.03% 0.06% 0.06% 0.02% 0.04% 0.04% 0.14% 0.09% 0.01% 0.01% 0.05% 0.02% 0.03% 0.00% 0.03% 0.03% 0.23% 0.01% 0.01% 0.00% 0.01% 0.01% 0.01% 0.00%

0.07% 0.04% 0.05% 0.03% 0.01% 0.02% 0.03% 0.03% 0.01% 0.02% 0.04% 0.05% 0.02% 0.03% 0.03% 0.17% 0.07% 0.01% 0.01% 0.02% 0.02% 0.03% 0.00% 0.02% 0.03% 0.22% 0.00% 0.03% 0.00% 0.02% 0.01% 0.01% 0.00%

Peta 1.1 / Map 1.1

13


Asuransi gempa bumi merupakan bagian

Earthquake insurance is part of property

dari asuransi bangunan (property). Mengingat

insurance. Looking back at the history of the

sejarah penutupan asuransi gempa bumi itu

earthquake

sendiri, asuransi gempa bumi merupakan

insurance is an extension cover of property

perluasan jaminan (ekstension) atas polis

insurance. Since 2007, earthquake insurance

asuransi

2007,

could be insured separately through Indonesian

asuransi gempa bumi dapat ditutup terpisah

earthquake insurance policy (called PSAGBI in

dengan menggunakan polis standar-nya, yaitu,

Bahasa Indonesia).

bangunan.

Sejak

tahun

insurance

itself,

earthquake

Polis Standar Asuransi Gempa Bumi Indonesia (PSAGBI). Dalam keseharian praktik bisnis asuransi properti

dimana

asuransi

gempa

In day-to-day business practice in property

bumi

insurance where earthquake risks are part of

merupakan perluasan jaminan (ekstension)

risk extension, the premium rate applied for

atas polis asuransi properti, suku premi yang

earthquake risks is very small. We could even

dikenakan sangat kecil. Bahkan bisa dikatakan

say the property premium rate is only

bahwa suku premi properti tersebut adalah

earthquake premium rate. In the future, the

premi gempa bumi saja karena suku premi

insurance regulator should do necessary

selain risiko asuransi gempa bumi yang sangat

actions to make regulation enforcement so that

kecil. Untuk kedepannya, pihak regulator harus

premium rate other than earthquake would be

melakukan upaya penguatan regulasi sehingga

back to the adequate level.

suku premi untuk selain risiko gempa bumi kembali pada tingkat yang memadai.

14


F. Pertumbuhan Incurred Claim

F. Incurred Claim Growth

Yang dimaksud dengan “Incurred claim”

What is meant by “incurred claim” is the

adalah klaim dibayar ditambah dengan klaim

claim paid plus outstanding claims which are

yang masih dalam proses penyelesaian.

still in process of settlement.

Pembayaran klaim MAIPARK atas Gempa

MAIPARK claim settlement of Pariaman

bumi Pariaman (7,9 SR) yang terjadi tanggal 30

earthquake

September 2009 masih ada walaupun tidak

September 2009 still existed although it was

sebesar

periode

not as big as the claim settlement in the

kami pernah

previous years. As we once presented in our

sampaikan dalam laporan statistik kami

previous statistic report, Pariaman earthquake

sebelumnya, klaim gempa Pariaman yang

claim is

terbesar

happening

pembayaran

sebelumnya.

klaim

Seperti yang

yang

dialami

MAIPARK

sejak

(7.9

the in

SR)

occurring

on

biggest earthquake MAIPARK

since

30

claim the

MAIPARK didirikan. Berdasarkan data dari

establishment of MAIPARK. Based on the data

Badan Perencanaan Pembangunan Nasional

from National Development Planning Agency

yang termuat dalam Ringkasan Eksekutif

as shown on the executive summary on

Rencana Aksi Rehabilitasi dan Rekonstruksi

Reconstruction

Wilayah Pasca bencana Gempa Bumi di

Planning on Post-Disaster Area in West

Provinsi Sumatera Barat 2009 - 2011, gempa

Sumatera 2009 - 2011, Pariaman earthquake

Pariaman

wilayah

that shook West Sumatra and surrounding area

Sumatera Barat dan sekitarnya pada tanggal

on 30 September 2009 resulted economic loss

30 September 2009 menimbulkan kerugian

around Rp. 20.86 trillion. Due to Pariaman

ekonomi sekitar Rp. 20,86 triliun. Akibat

earthquake and Padang earthquake occurring

Gempa Pariaman ini juga dan Gempa Padang

in 2009, the insured loss in Padang city (Cresta

yang terjadi pada tahun 2009, kerugian

Zone 2.1) was around Rp. 4.7 trillion.

yang

mengguncang

and

Rehabilitation

Action

asuransi yang timbul di Kota Padang (Cresta Zona 2.1) sebesar Rp. 4,7 triliun . Gempa-gempa yang terjadi di semester

The earthquake occurred during first

pertama 2011 tidak berskala besar sehingga

semester 2011 had little scale so that economic

kerugian ekonomi maupun kerugian asuransi

loss and the insured loss were little.

yang ditimbulkannya pun tidak besar.

15


Frekwensi Klaim Berdasarkan Okupasi - 30 Juni 2011 Claim Frequency as at June 2011 Per / As at 30 Jun 2011

Okupasi

2007

2008

Tahun Underwriting / Underwriting Year 2009 2010

2011

Agricultural Commercial Industrial Residential

2 236 28 104

7 917 35 283

87 1,465 36 903

0 25 2 6

0 0 0 0

TOTAL

370

1,242

2,491

33

0

Tabel 1.6 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2011 Table 1.6 Claim Frequency by Occupation as at June 2011

Dari tabel 1.6. di atas, frekwensi klaim gempa bumi paling banyak terjadi pada tahun underwriting 2009 dan didominasi okupasi komersial sebanyak 1.465 frekwensi klaim gempa bumi.

Hal ini dikarenakan Gempa

Pariaman/Padang

yang

mengguncang

Sumatera Barat dan Gempa Tasikmalaya yang terjadi di tahun 2009. Kedua gempa tersebut menimbulkan kerusakan dahsyat pada sentrasentra komersil. Dalam lampiran data klaim tahun underwriting 2009 pada laporan ini, tercatat 2.036 laporan klaim yang masuk akibat gempa Pariaman/Padang yang menimbulkan kerugian di Padang dan 305 laporan klaim

From table 1.6 above, the highest earthquake claim frequency occurred in underwriting year 2009 and it was dominated by commercial occupation at 1.465 earthquake claim

frequency.

This

is

because

Pariaman/Padang earthquake that shook West Sumatra and Tasikmalaya earthquake that occurred in 2009. Those two quakes resulted destructive damages to commercial areas. In the attached claim data for underwriting year 2009, there are 2.036 claim events reported due to Pariaman/Padang earthquake and there are 305 claim events reported to us due to Tasikmalaya earthquake.

yang masuk akibat gempa Tasikmalaya di Jawa Barat

16

of


Jumlah Klaim Berdasarkan Okupasi Claim Amount By Occupation Per / As at 30 Jun 2011

Okupasi Agrikultur / Agricultural Komersil / Commercial Industri / Industrial Residensil / Residential

TOTAL

2007

2008

Tahun Underwriting / Underwriting Year 2009 2010

2011

106,250,000.00 78,618,409,061.53 63,516,052,106.00 55,694,666,861.96

9,176,695,348.00 1,895,085,058,389.25 63,823,188,368.47 26,361,812,896.33

65,136,248,993.60 4,962,721,352,338.30 9,670,315,626.45 72,905,000,825.53

0.00 120,047,702,009.00 15,900,000,000.00 478,074,150.00

0.00 0.00 0.00 0.00

197,935,378,029.49

1,994,446,755,002.05

5,110,432,917,783.88

136,425,776,159.00

0.00

Tabel 1.7 Jumlah Klaim Berdasarkan Okupasi - 30 Juni 2011 Table 1.7 Claim Amount by Occupation as at June 2011

Dari tabel 1.7 di atas, pada tahun underwriting 2009, jumlah klaim okupasi komersial (Rp 4,96 triliun) kemudian disusul okupasi residential (Rp. 72,9 miliar) memiliki angka klaim terbesar dikarenakan kejadian gempa

Pariaman/Padang

dan

gempa

Tasikmalaya di tahun 2009. Jumlah klaim gempa di kota Padang sebesar Rp. 4,7 triliun merupakan 93% dari jumlah total klaim underwriting 2009 sebesar Rp 5,1 triliun. Baik di tahun underwriting 2011 maupun hingga 30 Juni 2011, ada klaim gempa bumi yang dilaporkan ke MAIPARK walaupun jumlahnya tidak besar dan belum diselesaikan di semester pertama 2011.

From table 1.7 above, the number of claims of commercial occupation in underwriting 2009 is Rp. 4.96 trillion. Then it is followed by residential occupation at Rp. 72.9 billion. Therefore, underwriting year 2009 had the highest claim amount due to Pariaman/Padang earthquake and Tasikmalaya earthquake in 2009. The claim amount at Padang earthquake around Rp. 4.7 trillion comprising 93% of total claim amount of underwriting year 2009 at Rp. 5.1 trillion. Either underwriting year 2011 or as at June 2011, there are earthquake insurance losses reported to MAIPARK although the claim incurred is not big and not settled yet in the first semester 2011.

Incurred Claim 2011 Incurred Claim 2011

Kejadian / Event

Tanggal Peristiwa

Kerugian (Dalam Rupiah) Loss (In Rupiah)

Nama / Name

Jenis / Type

Date of Occurence

NUSADUA

Earthquake

8-Feb-11

19,375,000.00

MASABA

Earthquake

15-Feb-11

100,000,000.00

SUKABUMI

Earthquake

21-Mar-11

120,000,000.00

KENDARI

Earthquake

25-Mar-11

5,000,000.00

Table 1.8 / Table 1.8

17


Peta 1.2 / Map 1.2

18


Pertumbuhan Incurred Claim Semua Kejadian 2004 - 2010 Yang Di Laporkan ke MAIPARK

Earthquake Insurance Incurred Claim All Event 2004 - 2010 Being Reported to MAIPARK In Kejadian / Event

Tanggal Peristiwa

IDR

Klaim Dilaporkan / Claim Reported Per 30 Juni / As at June 30th

Nama

Jenis

Name

Type

Bali

Earthquake

2-Jan-04

Padang

Earthquake

16-Feb-04

12,402,600.00

12,402,600.00

12,402,600.00

12,402,600.00

Nabire

Earthquake

26-Nov-04

3,299,345,206.00

3,299,345,206.00

3,299,345,206.00

3,299,345,206.00

Aceh

Earthquake

26-Dec-04

612,226,619,220.80

612,531,185,532.80

612,287,806,832.80

612,287,806,832.80

Cilegon

Earthquake

15-Jan-05

780,267,740.00

816,431,678.00

816,431,678.00

816,431,678.00

Ambon

Earthquake

2-Mar-05

348,125,037.00

348,125,037.00

348,125,037.00

348,125,037.00

Nias

Earthquake

28-Mar-05

2,608,811,119.82

1,149,513,632.05

1,149,513,632.05

1,149,513,632.05

Padang

Earthquake

10-Apr-05

1,399,712,953.41

1,412,272,780.12

1,371,818,426.41

1,371,818,426.41

Sibolga

Earthquake

95,000,000.00

TBA

Earthquake

800,000,000.00

Tanjung Karang

Earthquake

12-May-06

33,575,300.00

33,575,300.00

33,575,300.00

Sibolga

Earthquake

19-May-06

7,612,000.00

7,612,000.00

7,612,000.00

Yogyakarta

Earthquake

27-May-06

255,920,900,052.58

336,432,968,532.24

326,381,385,819.28

Pangandaran

Earthquake

17-Jul-06

2,418,989,460.13

2,428,124,860.13

2,428,124,860.13

2,428,124,860.13

Jakarta

Earthquake

19-Jul-06

257,918,125.00

242,903,125.00

242,903,125.00

242,903,125.00

Wonosari

Earthquake

22-Sep-06

97,589,358.00

97,589,358.00

97,589,358.00

97,589,358.00

Pandeglang

Earthquake

24-Dec-06

16,477,760.00

16,477,760.00

16,477,760.00

16,477,760.00

Manado

Earthquake

21-Jan-07

428,830,661.00

503,894,784.14

503,894,784.14

503,894,784.14

Padang

Earthquake

6-Mar-07

47,672,720,250.60

44,471,563,443.99

43,776,563,443.99

43,776,563,443.99

Bukittingggi

Earthquake

13-Mar-07

22,500,000.00

22,500,000.00

22,500,000.00

22,500,000.00

Cipanas

Earthquake

27-Jul-07

36,699,005.88

36,699,005.88

36,699,005.88

Jakarta

Earthquake

9-Aug-07

5,729,674,674.82

5,715,216,494.82

5,715,216,494.82

Carita

Earthquake

10-Aug-07

Jakarta

Earthquake

26-Aug-07

Bengkulu

Earthquake

12-Sep-07

Denpasar

Earthquake

Painan Dompu

Date of Occurence 2008

2009

2010

2011

4,070,000.00

33,575,300.00

5,641,754,145.93 14,271,970.50

14,271,970.50 30,587,366.00

30,587,366.00

30,587,366.00

75,203,058,711.32

60,321,833,455.99

60,211,833,455.99

14,271,970.50

58,564,169,237.99

14,271,970.50

8-Oct-07

32,543,000.00

82,035,137.59

82,035,137.59

82,035,137.59

Earthquake

24-Oct-07

12,906,700.00

12,906,700.00

12,906,700.00

12,906,700.00

Earthquake

25-Nov-07

15,000,000.00

4,090,000.00

4,090,000.00

4,090,000.00

Manokwari

Earthquake

7-Jan-08

1,922,050,000.00

1,073,890,300.00

1,073,890,300.00

1,073,890,300.00

Painan

Earthquake

25-Feb-08

2,511,494,000.00

503,923,036.00

503,923,036.00

503,923,036.00

Bengkulu

Earthquake

3-Apr-08

50,000,000.00

50,000,000.00

50,000,000.00

Padang

Earthquake

28-Jul-08

55,416,666.67

44,535,353.50

51,510,353.50

51,510,353.50

Pekat

Earthquake

7-Aug-08

10,475,000,000.00

15,863,721,995.00

15,863,721,995.00

15,863,721,995.00

Padang

Earthquake

8-Aug-08

57,192,353.50

57,192,353.50

57,192,353.50

Rababima

Earthquake

28-Aug-08

450,000,000.00

358,349,490.00

358,349,490.00

358,349,490.00

Lahat

Earthquake

9-Sep-08

Sukabumi

Earthquake

10-Oct-08

Bandung

Earthquake

11-Oct-08

Gorontalo

Earthquake

17-Nov-08

Aceh

Earthquake

21-Dec-08

Manokwari

Earthquake

TBA

Earthquake

26-Jan-09

Earthquake

10-Feb-09

Palu

Earthquake

2-Mar-09

2,800,000.00

2,800,000.00

2,800,000.00

Padang

Earthquake

16-Apr-09

226,140,075.00

226,140,075.00

226,140,075.00

Gorontalo

Aceh

974,500.00

974,500.00

974,500.00

115,000,000.00

115,000,000.00

127,265,000.00

559,100,686.00

705,152,986.00

705,152,986.00

53,980,575.00

53,980,575.00

53,980,575.00

2,952,454,937.13

3,952,454,937.13

3,274,800,615.13

9,108,276,500.00

9,108,276,500.00

50,989,097.00

50,989,097.00

15,000,000.00 821,873,750.00

4-Jan-09

Earthquake

8-May-09

3,962,602,100.00

3,962,602,100.00

Padang

Earthquake

16-Aug-09

51,125,960,170.00

51,155,265,490.00

43,084,843,930.00

Tasikmalaya

Earthquake

2-Sep-09

47,928,196,253.15

55,703,928,676.99

52,084,524,347.22

Nusa Dua

Earthquake

19-Sep-09

921,078,296.48

1,138,978,531.80

1,155,302,531.80

Pariaman

Earthquake

30-Sep-09

835,328,242,563.39

1,431,479,899,525.58

1,305,275,281,995.75

Kepahyang

Earthquake

1-Oct-09

259,440,505.37

260,440,505.37

260,440,505.37

TBA

Earthquake

9-Oct-09

101,000,000.00

101,000,000.00

Manokwari

Earthquake

15-Oct-09

600,000,000.00

600,000,000.00

Ujung Kulon

Earthquake

16-Oct-09

Bima

Earthquake

9-Nov-09

Bali

Earthquake

12-Feb-10

Sinabang

Earthquake

7-Apr-10

Ketahun

Earthquake

5-May-10

27,119,820.00

Banda Aceh

Earthquake

9-May-10

55,000,000.00

203,758,000.00

Biak

Earthquake

16-Jun-10

16,209,801,208.33

15,146,427,362.00

Panyabungan

Earthquake

24-Jul-10

17,388,400.00

17,388,400.00

Sukabumi

Earthquake

12-Aug-10

7,100,800.00

7,100,800.00

Bantul

Earthquake

22-Aug-10

20,000,000.00

20,000,000.00

Merapi

Volcano Eruption

26-Oct-10

Merapi

Volcano Eruption

5-Nov-10

Earthquake

12-Dec-10

Makassar

119,586,208.00

119,586,208.00

119,586,208.00

30,610,000,000.00

31,362,616,361.00

40,800,918,178.00

1,200,000,000.00

471,024,690.00

570,000,000.00

570,000,000.00 27,119,820.00

2,500,000,000.00

184,939,856.40

11,800,000,000.00

38,814,202,609.00

1,400,000,000.00

1,400,000,000.00

Nusadua

Earthquake

8-Feb-11

Masaba

Earthquake

15-Feb-11

100,000,000.00

19,375,000.00

Sukabumi

Earthquake

21-Mar-11

120,000,000.00

Kendari

Earthquake

25-Mar-11

5,000,000.00

Tabel 1.9 / Table 1.9

19


Peta 1.3 / Map 1.3

20


NATIONAL AGGREGATE EXPOSURE As At 30 June 2011 Table 2. 1

In IDR

CRE STA Z ONE

U / Y 2007 A mou n t

in %


in %


in %


in %


Ba n d a A ceh

1.1

21,828,919,019,442.10

1,205,731,497,432.43

6,924,258,479,097.51

2,223,727,077,646.95

27,210,808,306.45

Med a n

1.2

41,516,233,737,503.50

40,858,957,831,798.50

46,850,542,514,630.70

61,531,393,985,875.50

12,095,855,115,431.20

Oth ers

1.3

18,993,885,138,409.10

14,486,663,077,876.80

32,347,994,975,374.80

70,098,045,547,897.20

5,339,030,679,287.73

North Su ma tera

1

82,339,037,895,354.70

Padang

2.1

4,580,654,017,559.37

P a lemb a n g

2.2

29,780,837,136,881.10

9,223,514,294,514.88

16,229,149,770,492.10

12,924,038,397,771.70

2,783,080,755,462.70

Oth ers

2.3

131,310,882,482,927.00

154,919,763,110,022.00

149,500,019,131,855.00

150,837,680,263,369.00

20,376,382,593,425.00

Sou th Su ma tera

2

165,672,373,637,367.00

5.3%

56,551,352,407,107.80

3.8%

11,697,776,135,958.70

10.7%

175,841,053,540,496.00

5.2%

8,347,796,772,700.78

11.8%

311,616,877,383,052.00

174,076,965,675,048.00

133,853,166,611,420.00

8.2%

16,666,714,426,828.80

10.5%

180,428,433,087,970.00

11.1%

3.2

37,511,631,181,055.20

37,453,857,491,968.70

8,114,953,844,255.80

5,721,844,371,157.25

1,307,268,677,742.33

Oth ers

3.3

400,504,991,260,274.00

385,687,550,052,818.00

515,215,922,256,196.00

513,560,128,944,599.00

101,878,934,851,372.00

722,399,439,533,065.00

Sema ra n g

4.1

28,811,124,508,854.90

23,815,838,610,738.80

1,727,271,968,989.53

1,236,966,927,346.54

502,193,306,419.75

Yogya k a rta

4.2

6,168,656,211,092.21

9,732,173,160,860.02

10,355,458,363,394.10

9,640,681,299,607.30

5,663,469,604,387.83

Oth ers

4.3

90,445,829,862,508.80

62,123,559,470,220.40

84,564,036,406,316.80

86,933,725,241,910.90

11,286,839,088,539.60

8.1%

95,671,571,241,819.20

40,975,898,701,599.50

56,079,805,386,220.70

64,521,889,567,819.80

52,577,716,101,426.00

17,038,721,943,639.70

Oth ers

5.2

172,363,743,127,646.00

184,827,611,726,942.00

181,110,463,385,118.00

189,773,238,631,195.00

46,859,910,893,990.30

17,452,501,999,347.20

E a st Ja va

5

213,339,641,829,245.00

13.8%

Ka lima n ta n

6

136,998,337,101,562.00

8.9%

U ju n g P a n d a n g

7.1

13,958,006,460,858.50

12,016,990,050,478.70

14,479,113,450,141.80

9,391,264,138,492.19

1,628,120,557,373.86

Oth ers

7.2

40,390,528,057,778.20

43,571,328,754,993.40

36,186,416,109,114.30

36,564,092,318,245.90

14,407,318,195,846.10

Su la wesi

7

54,348,534,518,636.70

Oth er Isla n d s T O T A L

8

43,594,929,542,552.80 1,544,117,904,640,240.00

21

3.5% 2.8% 100.0%

89,043,988,898,002.80

55,588,318,805,472.10 45,695,519,542,194.30 1,494,057,506,476,090.00

6.0%

3.7% 3.1% 100.0%

81,635,563,745,679.50

50,665,529,559,256.20

4.9%

3.0%

51,805,337,493,847.10 3.1% 1,661,790,221,707,530.00 100.0%


242,350,954,732,621.00

6.0%

175,337,946,441,661.00

125,425,610,582,456.00

14.8%

97,811,373,468,864.70

49.2%

4

245,632,352,952,938.00

5.8%

799,110,315,163,422.00

5.1

16.1%

96,646,766,738,700.40

52.7%

Su ra b a ya

240,907,417,113,163.00

6.4%

875,204,909,572,962.00

72,773,148,469,103.20

45,955,356,456,738.10

7.7%

72,151,742,912,546.80

3

DIY & Cen tra l Ja va

49.2%

279,828,341,847,666.00

26,077,694,012,458.80

Ba n d u n g

734,758,284,927,839.00

5.2%

2,918,230,663,571.09

3.1

46.8%

351,874,033,472,510.00

17,462,096,603,025.40

DKI Ja k a rta

DKI & West Ja va

284,382,817,091,736.00

86,122,795,969,103.00

in %

51.7%

5.1%

14.9%

63,898,632,837,630.00

18.8%

4.5%

14,523,206,242,270.10

4.3%

2.8%

52,053,994,257,998.60 3.2% 1,624,336,742,248,140.00 100.0%

16,035,438,753,220.00

4.7%

8,209,915,085,203.43 2.4% 338,997,431,974,816.00 100.0%

22


NATIONAL AGGREGATE EXPOSURE BY OCCUPATION As At 30 June 2011 Table 2.2

Description

U/Y 2007

In %

U/Y 2008

In %

U/Y 2009

In %

U/Y 2010

In %

U/Y 2011

In IDR In %

Agricultural

10,209,095,470,041.90

1%

16,058,401,412,587.00

1%

16,125,366,965,087.10

1%

17,448,855,665,928.50

1%

1,596,381,533,791.00

0%

Commercial

315,589,413,195,642.00

20%

365,826,723,935,579.00

24%

377,647,023,137,116.00

23%

283,173,593,743,640.00

17%

52,250,257,489,755.70

15%

Industrial

1,100,209,532,243,560.00

71%

952,353,499,771,903.00

64%

1,054,520,163,360,180.00

63%

1,125,046,213,055,930.00

69%

211,027,514,469,305.00

62%

Residential

118,109,863,730,999.00

8%

159,818,881,356,024.00

11%

213,497,668,245,149.00

13%

198,668,079,782,637.00

12%

74,123,278,481,963.60

22%

1,494,057,506,476,090.00

100%

TOTAL

23

1,544,117,904,640,240.00 100%

1,661,790,221,707,530.00 100%


1,624,336,742,248,140.00 100%

338,997,431,974,816.00 100%

( In Billion IDR )

Residential, 159,818.88 Industrial, 1,100,209.53

Industrial, 952,353.50

Commercial, 315,589.41


Residential, 118,109.86 Agricultural, 10,209.10


Agricultural, 16,058.40

2008

2007

Industrial, 1,054,520.16

Residential, 213,497.67 Agricultural, 16,125.37

2009

Industrial, 211,027.51

Industrial, 1,125,046.21

Residential, 198,668.08


Agricultural, 17,448.86 Commercial, 283,173.59

2010 Agricultural, 1,596.38 Residential, 74,123.28

2011 2010

24


NATIONAL AGGREGATE EXPOSURE BY INTEREST As At 30 June 2011 Table 2.3

In IDR Description

U/Y 2007

U/Y 2008

U/Y 2009

U/Y 2010

U/Y 2011

Building

751,122,036,630,788.00

614,420,317,242,123.00

786,595,661,960,960.00

635,539,297,110,387.00

143,294,516,449,519.00

Machinery

284,186,570,633,678.00

261,443,341,797,475.00

300,552,290,388,743.00

393,556,851,709,160.00

69,842,985,494,929.30

Stock

135,225,784,638,258.00

166,930,975,284,298.00

187,250,792,222,874.00

179,285,439,708,796.00

48,199,739,032,588.00

Others

257,674,110,532,548.00

307,487,972,759,943.00

225,571,099,490,855.00

59,573,856,801,147.50

48,828,934,380,773.30

1,428,208,502,435,270.00

1,350,282,607,083,840.00

1,499,969,844,063,430.00

1,267,955,445,329,490.00

310,166,175,357,810.00

115,909,402,204,968.00

143,774,899,392,257.00

161,820,377,644,101.00

356,381,296,918,648.00

28,831,256,617,005.70

1,544,117,904,640,240.00

1,494,057,506,476,100.00

1,661,790,221,707,530.00

1,624,336,742,248,140.00

338,997,431,974,816.00

SUB TOTAL Business Interruption

TOTAL

25


26


NATIONAL AGGREGATE EXPOSURE As At 30 June 2011 UY 2007 - 2011 Table 2.4

PROVINCE

U/Y 2007 Amount

U/Y 2008 In %

Amount

U/Y 2009 In %

Amount

U/Y 2010 In %

Amount

U/Y 2011 In %

Amount

In %

1. Na nggroe Aceh Da rus s a l a m

25,067,367,416,830.60

1.6%

4,590,861,640,127.33

0.3%

17,268,455,465,374.70

1.0%

44,006,793,284,809.20

2.7%

33,812,974,034.63

0.0%

2. Suma tera Uta ra

57,289,841,109,672.10

3.7%

52,015,578,709,241.00

3.5%

68,809,582,211,573.30

4.1%

89,956,843,326,610.30

5.5%

17,428,283,628,990.70

5.1%

3. Suma tera Ba ra t

9,163,032,608,118.17

0.6%

16,917,254,683,674.30

1.1%

13,831,194,901,338.30

0.8%

22,997,075,404,961.30

1.4%

3,171,158,609,005.09

0.9%

4. Ri a u

70,158,629,492,365.20

4.5%

73,659,431,412,750.70

4.9%

43,767,215,310,884.10

2.6%

72,280,330,539,413.60

4.4%

6,778,515,110,408.35

2.0%

5. Ja mbi

3,735,210,611,775.51

0.2%

4,572,843,791,665.44

0.3%

30,897,720,749,038.60

1.9%

4,063,369,060,430.75

0.3%

257,583,834,968.00

0.1%

47,003,016,581,794.40

3.0%

29,079,012,464,650.50

1.9%

32,998,889,469,812.40

2.0%

30,147,221,867,523.00

1.9%

3,236,559,427,145.75

1.0%

7. Bengkul u

2,102,098,128,826.85

0.1%

2,901,062,800,341.90

0.2%

3,150,057,858,654.51

0.2%

2,828,360,745,166.03

0.2%

383,798,354,195.57

0.1%

8. La mpung

17,739,400,366,466.50

1.1%

30,263,819,786,107.20

2.0%

28,162,402,507,437.80

1.7%

24,026,139,788,165.80

1.5%

7,730,662,753,523.62

2.3%

386,365,035,378.09

0.0%

2,446,036,420,440.76

0.2%

4,009,740,654,129.36

0.2%

3,789,366,435,641.50

0.2%

266,755,651,224.87

0.1%

15,729,301,767,762.40

1.0%

16,322,484,146,765.00

1.1%

17,252,044,223,753.20

1.0%

20,296,569,246,667.90

1.2%

4,252,660,271,987.53

1.3%

11. DKI Ja ka rta

284,376,466,524,936.00

18.4%

311,637,402,383,052.00

20.9%

351,962,208,844,510.00

21.2%

279,962,450,099,126.00

17.2%

72,151,742,912,546.80

21.3%

12. Ja wa Ba ra t

289,199,420,461,702.00

18.7%

267,286,278,100,951.00

17.9%

339,801,644,504,824.00

20.4%

314,254,834,097,754.00

19.3%

59,074,777,938,061.70

17.4%

13. Ja wa Tenga h

118,808,066,905,684.00

7.7%

84,980,247,150,093.70

5.7%

85,324,985,621,287.00

5.1%

86,747,903,253,370.50

5.3%

11,419,785,672,621.40

3.4%

6,631,620,011,590.11

0.4%

10,707,043,430,600.80

0.7%

11,573,531,117,413.40

0.7%

11,037,304,261,678.30

0.7%

6,032,716,326,725.83

1.8%

15. Ja wa Ti mur

212,983,331,421,535.00

13.8%

240,579,160,184,466.00

16.1%

245,405,302,952,938.00

14.8%

242,133,250,686,437.00

14.9%

63,898,632,837,630.10

18.8%

16. Ba nten

148,812,717,922,864.00

9.6%

155,853,162,538,014.00

10.4%

183,489,066,223,628.00

11.0%

205,026,430,966,543.00

12.6%

44,111,425,591,052.30

13.0%

26,145,756,703,571.90

1.7%

35,241,761,523,270.90

2.4%

43,245,942,990,438.10

2.6%

36,434,227,179,537.70

2.2%

7,571,977,317,870.72

2.2%

18. Ka l i ma nta n Ba ra t

1,884,679,545,799.60

0.1%

2,923,330,862,315.40

0.2%

4,175,691,533,023.69

0.3%

4,108,712,875,539.13

0.3%

415,655,263,200.00

0.1%

19. Ka l i ma nta n Tenga h

2,795,532,471,716.80

0.2%

3,401,530,643,227.69

0.2%

5,091,589,036,485.43

0.3%

6,081,562,657,600.57

0.4%

3,412,716,536,710.00

1.0%

20. Ka l i ma nta n Sel a ta n

21,222,031,952,853.30

1.4%

34,611,196,017,295.70

2.3%

22,623,084,708,794.60

1.4%

11,534,578,171,557.60

0.7%

3,230,449,353,850.82

1.0%

111,076,709,392,668.00

7.2%

48,034,285,338,725.40

3.2%

49,742,785,263,615.10

3.0%

51,038,069,593,743.70

3.1%

7,464,385,088,509.31

2.2%

22. Sul a wes i Uta ra

4,399,914,647,396.53

0.3%

4,848,373,471,518.56

0.3%

7,517,079,357,951.43

0.5%

6,534,460,637,385.09

0.4%

1,929,648,080,642.90

0.6%

23. Sul a wes i Tenga h

1,408,003,961,433.30

0.1%

1,499,398,558,378.24

0.1%

1,340,057,999,110.86

0.1%

1,124,530,558,415.03

0.1%

43,311,358,238.96

0.0%

24. Sul a wes i Sel a ta n

19,266,246,940,547.90

1.2%

18,243,693,464,676.00

1.2%

22,164,770,037,556.80

1.3%

17,582,382,254,420.90

1.1%

2,475,279,639,855.10

0.7%

25. Sul a wes i Tengga ra

28,723,401,626,764.90

1.9%

30,379,516,104,008.40

2.0%

8,220,361,805,910.32

0.5%

8,488,985,729,298.54

0.5%

19,253,181,100.00

0.0%

487,995,231,646.13

0.0%

488,861,848,932.02

0.0%

10,841,736,749,993.80

0.7%

11,550,484,849,320.00

0.7%

11,567,946,493,383.00

3.4%

81,682,334,284.00

0.0%

129,320,356,605.00

0.0%

571,493,608,733.00

0.0%

684,513,758,560.84

0.0%

0.00

0.0%

28. Nus a Tengga ra Ba ra t

3,113,620,471,884.99

0.2%

2,286,772,122,274.31

0.2%

2,388,156,793,749.31

0.1%

10,012,553,254,016.40

0.6%

226,944,810,832.71

0.1%

29. Nus a Tengga ra Ti mur

471,547,382,594.06

0.0%

625,125,164,716.11

0.0%

757,418,071,907.34

0.0%

757,902,556,258.34

0.0%

118,079,455,000.00

0.0%

30. Ma l uku

427,577,017,694.67

0.0%

407,522,575,048.87

0.0%

701,740,472,836.88

0.0%

837,024,530,593.67

0.1%

97,212,185,000.00

0.0%

31. Ma l uku Uta ra

609,678,938,829.00

0.0%

547,119,371,532.62

0.0%

458,343,647,594.64

0.0%

309,536,090,898.00

0.0%

1,293,000,000.00

0.0%

32. Pa pua Ba ra t

973,745,512,641.27

0.1%

1,170,068,023,548.17

0.1%

1,295,432,577,033.31

0.1%

1,279,768,785,267.35

0.1%

2,685,000,000.00

0.0%

11,843,894,140,612.90

0.8%

5,407,951,387,079.27

0.4%

2,950,494,436,203.18

0.2%

2,423,205,701,427.20

0.1%

191,723,316,500.00

0.1%

1,544,117,904,640,240.00

100.0%

1,494,057,506,476,090.00

100.0%

1,661,790,221,707,530.00

100.0%

1,624,336,742,248,140.00

100.0%

338,997,431,974,816.00

100.0%

6. Suma tera Sel a ta n

9. Kepul a ua n Ba ngka Bel i tung 10. Kepul a ua n Ri a u

14. DI. Yogya ka rta

17. Ba l i

21. Ka l i ma nta n Ti mur

26. Goronta l o 27. Sul a wes i Ba ra t

33. Pa pua TOTAL

27


NATIONAL GROSS PREMIUM INCOME As At 30 June 2011 Table 3.1

In IDR

Banda Aceh Medan Others

1.1 1.2 1.3

U/Y 2007 Amount 25,909,436,560.50 49,487,582,177.51 20,370,427,881.37

North Sumatera Padang Palembang Others

1 2.1 2.2 2.3

95,767,446,619.39 5,046,116,373.91 31,923,088,679.59 142,424,087,634.32

5.2%

68,153,049,993.65 14,154,686,423.16 10,749,479,466.62 191,164,256,121.02

3.6%

98,513,650,812.92 5.1% 10,753,100,785.91 18,127,771,675.60 161,957,499,861.11

173,715,194,912.50 31,098,132,598.94 10,918,947,963.96 184,993,520,420.62

8.3%

22,226,678,803.63 5,770,112,095.76 2,839,139,490.01 21,558,203,895.18

4.9%

South Sumatera DKI Jakarta Bandung Others

2 3.1 3.2 3.3

179,393,292,687.82 366,674,256,193.15 48,708,493,267.35 467,984,962,474.52

9.7%

216,068,422,010.80 11.3% 422,206,110,869.31 49,009,279,053.42 479,979,195,962.17

190,838,372,322.61 9.8% 446,133,471,485.71 10,225,178,734.83 591,227,746,215.40

227,010,600,983.52 10.8% 385,960,569,616.25 8,131,058,224.85 697,015,594,867.90

30,167,455,480.95 110,453,435,589.13 2,833,693,331.96 137,548,522,412.69

6.7%

DKI & West Java Semarang Yogyakarta Others

3 4.1 4.2 4.3

883,367,711,935.02 47.5% 38,477,268,594.70 6,196,403,689.22 108,474,212,880.45

951,194,585,884.90 49.5% 29,543,498,986.77 11,177,485,060.12 98,923,331,404.28

1,047,586,396,435.94 53.8% 1,916,136,003.34 13,574,488,010.92 94,095,620,377.85

1,091,107,222,709.00 51.9% 1,381,363,305.26 13,266,222,808.77 107,558,277,089.00

DIY & Central Java Surabaya Others

4 5.1 5.2

153,147,885,164.37 51,244,034,093.60 209,976,789,180.90

139,644,315,451.18 66,742,400,359.80 238,664,008,965.67

CRESTA ZONE

East Java

5

Kalimantan Ujung Pandang Others Sulawesi

7

Other Islands

8 T OTAL

28

6 7.1 7.2

in %

8.2%

U/Y 2008 Amount 1,493,606,928.91 49,078,305,228.29 17,581,137,836.45

in %

U/Y 2009 Amount in % 8,341,852,662.70 53,705,293,713.90 36,466,504,436.32

U/Y 2010 Amount 3,880,827,233.44 80,703,107,186.72 89,131,260,492.34

in %

in %

250,835,651,333.77 55.4% 595,916,880.48 8,380,910,004.36 13,409,698,713.78

7.3%

109,586,244,392.11 5.6% 77,780,966,133.57 207,317,913,242.72

122,205,863,203.03 63,628,235,291.14 207,626,738,603.59

261,220,823,274.50 14.1%

305,406,409,325.47 15.9%

285,098,879,376.29 14.6%

271,254,973,894.73 12.9%

164,590,272,867.90 17,056,232,358.74 48,180,622,741.39

8.9%

110,055,635,254.53 16,687,974,012.14 52,367,261,653.97

5.7%

87,862,931,621.10 4.5% 16,633,758,773.40 47,019,348,688.38

89,589,567,437.98 8,959,526,487.44 48,629,258,284.98

4.3%

13,152,929,972.36 1,464,123,917.92 27,789,683,701.47

2.9%

65,236,855,100.13

3.5%

69,055,235,666.11

3.6%

63,653,107,461.78 3.3%

57,588,784,772.42

2.7%

29,253,807,619.39

6.5%

55,450,611,592.00 3.0% 1,858,174,899,241.14 100.0%

60,112,520,149.09 3.1% 1,919,690,173,735.72 100.0%

63,564,595,119.21 3.3% 1,946,704,177,541.96 100.0%


5.8%

U/Y 2011 Amount 47,129,923.43 14,451,080,750.60 7,728,468,129.60

71,455,301,639.39 3.4% 2,103,927,509,552.56 100.0%

22,386,525,598.62 22,588,260,299.16 51,489,876,777.61

4.9%

74,078,137,076.77 16.4%

10,821,684,875.35 2.4% 452,922,870,760.83 100.0%

North Sumatera 5% Other Island 3% Sulawesi

South Sumatera 10%

DKI & West Java 48%

3%

Kalimantan 9%

East Java 14%

DKI & West Java 49% South Sumatera 11%

DIY & Central Java 8%

North Sumatera 4%


0 DIY & Central 0 Java 0 7% 0 0 East Java 0 16% 0 0 Kalimantan Sulawesi 6% 4%

Other Island 3%

DKI & West Java 54%

East Java 15% Kalimantan 4% Sulawesi 3% Other Island 3% North Sumatera 5% South Sumatera 10%

2008

2009

2007

DIY & Central Java 6% East Java 13%

DKI & West Java 52%

Kalimantan Sulawesi 4% 3% Other Island 3%

North Sumatera 8%

South Sumatera 7% North Sumatera 5% Other Island 2% Sulawesi 7% Kalimantan 3%

South Sumatera 11%

2010

29

DKI & West Java 55%


East Java 16%


2011

NATIONAL GROSS PREMIUM INCOME BY OCCUPATION As At 30 June 2011 Table 3.2

Description

U/Y 2007

In %

U/Y 2008

In %

U/Y 2009

In %

U/Y 2010

In %

U/Y 2011

In IDR In %

Agricultural

9,948,970,891.16

0.54%

17,346,411,703.56

0.90%

16,613,850,257.69

0.85%

20,851,796,537.19

0.99%

1,943,898,219.32

0.44%

Commercial

394,454,912,555.45

21.22%

456,030,960,661.67

23.76%

456,221,149,200.24

23.44%

373,764,277,171.92

17.77%

68,591,341,489.66

15.14%

1,300,315,684,797.20

69.98%

1,230,379,555,214.11

64.09%

1,195,083,222,424.23

61.39%

1,432,168,000,018.00

68.07%

258,501,129,946.52

57.07%

153,455,330,997.34

8.26%

215,933,246,156.38

11.25%

278,785,955,659.79

14.32%

277,143,435,825.46

13.17%

123,886,501,105.34

27.35%

Industrial Residential TOTAL

30

1,858,174,899,241.15

100.00%

1,919,690,173,735.73

100.00%

1,946,704,177,541.96


100.00%

2,103,927,509,552.57

100.00%

452,922,870,760.83

100.00%

31


NATIONAL GROSS PREMIUM INCOME BY PROVINCE As At 30 June 2011 UY 2007 - 2011 Table 3.3 In IDR PROVINCE

U/Y 2007 Amount

U/Y 2008 In %

Amount

U/Y 2009 In %

Amount

U/Y 2010 In %

Amount

U/Y 2011 In %

Amount

In %

1. Na nggroe Aceh Da rus s a l a m

28,766,097,919.04

1.5%

6,056,936,730.79

0.3%

18,823,431,275.49

1.0%

56,476,136,116.15

2.7%

57,541,241.06

0.0%

2. Suma tera Uta ra

67,024,429,511.11

3.6%

62,159,075,415.54

3.2%

79,619,172,123.78

4.1%

117,390,133,762.33

5.6%

22,169,137,562.57

4.9%

3. Suma tera Ba ra t

10,460,738,543.33

0.6%

20,362,619,088.77

1.1%

17,576,087,174.36

0.9%

41,270,021,793.11

2.0%

6,231,505,034.14

1.4%

4. Ri a u

73,686,771,139.36

4.0%

94,150,392,713.86

4.9%

44,559,524,950.32

2.3%

94,625,284,409.54

4.5%

6,612,750,560.27

1.5%

5. Ja mbi

4,161,638,769.75

0.2%

5,079,952,502.94

0.3%

33,240,671,414.50

1.7%

3,987,517,020.79

0.2%

253,059,466.74

0.1%

51,863,112,672.45

2.8%

34,390,651,303.47

1.8%

37,785,543,505.47

1.9%

31,430,667,205.15

1.5%

3,449,547,073.84

0.8%

7. Bengkul u

2,371,383,801.24

0.1%

6,065,297,322.45

0.3%

5,566,643,153.26

0.3%

5,524,197,410.24

0.3%

808,524,565.81

0.2%

8. La mpung

20,307,594,917.29

1.1%

35,398,576,955.97

1.8%

30,693,416,396.92

1.6%

30,699,541,454.88

1.5%

9,203,480,761.80

2.0%

473,816,312.20

0.0%

3,308,462,821.14

0.2%

4,248,691,023.37

0.2%

3,203,268,837.63

0.2%

224,644,857.77

0.0%

16,466,739,094.75

0.9%

17,790,877,599.87

0.9%

17,165,292,507.49

0.9%

16,270,102,852.18

0.8%

3,383,943,160.58

0.7%

11. DKI Ja ka rta

366,667,611,241.54

19.7%

422,229,714,619.31

22.0%

446,256,161,266.35

22.9%

386,149,844,386.26

18.4%

110,453,435,589.13

24.4%

12. Ja wa Ba ra t

342,953,856,064.74

18.5%

335,091,746,344.89

17.5%

385,968,346,026.97

19.8%

418,980,569,993.07

19.9%

78,725,676,270.63

17.4%

13. Ja wa Tenga h

146,422,945,151.97

7.9%

127,092,825,056.88

6.6%

94,932,964,006.78

4.9%

107,000,105,053.94

5.1%

13,473,779,140.28

3.0%

6,742,185,162.25

0.4%

12,570,393,936.84

0.7%

15,006,077,260.33

0.8%

15,166,509,218.37

0.7%

8,912,746,458.34

2.0%

15. Ja wa Ti mur

260,796,852,883.04

14.0%

304,918,631,517.45

15.9%

284,784,553,697.69

14.6%

270,954,829,747.47

12.9%

74,078,137,076.77

16.4%

16. Ba nten

173,734,443,011.58

9.3%

193,894,466,728.70

10.1%

215,414,215,385.21

11.1%

286,165,126,441.67

13.6%

61,656,539,474.02

13.6%

33,147,173,488.33

1.8%

47,348,437,340.85

2.5%

53,148,993,050.29

2.7%

49,406,594,831.62

2.3%

10,008,558,980.17

2.2%

18. Ka l i ma nta n Ba ra t

1,812,982,267.31

0.1%

3,243,685,787.01

0.2%

4,204,394,054.87

0.2%

3,403,951,120.88

0.2%

311,063,276.89

0.1%

19. Ka l i ma nta n Tenga h

2,776,692,802.98

0.1%

3,603,386,118.69

0.2%

5,420,115,016.34

0.3%

4,796,216,083.82

0.2%

2,550,850,510.83

0.6%

20. Ka l i ma nta n Sel a ta n

25,172,709,081.85

1.4%

45,826,937,951.83

2.4%

24,331,556,573.38

1.2%

11,580,164,542.99

0.6%

4,103,623,967.99

0.9%

134,804,709,540.17

7.3%

57,297,321,436.32

3.0%

53,905,951,994.44

2.8%

69,792,986,559.30

3.3%

6,187,392,216.65

1.4%

22. Sul a wes i Uta ra

5,212,399,853.20

0.3%

5,963,570,091.38

0.3%

10,929,619,301.58

0.6%

10,691,002,926.79

0.5%

3,831,762,133.22

0.8%

23. Sul a wes i Tenga h

1,572,832,046.80

0.1%

1,838,976,145.60

0.1%

1,536,271,679.19

0.1%

1,619,979,666.94

0.1%

50,964,472.32

0.0%

24. Sul a wes i Sel a ta n

23,375,816,172.37

1.3%

24,170,272,723.62

1.3%

25,690,987,680.28

1.3%

17,730,372,703.12

0.8%

2,286,945,512.33

0.5%

25. Sul a wes i Tengga ra

34,445,669,496.56

1.9%

36,382,585,394.99

1.9%

8,814,044,145.64

0.5%

9,645,872,004.01

0.5%

18,984,818.04

0.0%

574,726,743.97

0.0%

582,963,731.43

0.0%

16,025,166,557.15

0.8%

17,409,666,138.33

0.8%

23,065,150,683.48

5.1%

86,009,229.22

0.0%

117,894,907.40

0.0%

651,119,633.54

0.0%

507,715,168.23

0.0%

28. Nus a Tengga ra Ba ra t

3,813,832,383.88

0.2%

2,905,628,813.67

0.2%

2,712,015,198.53

0.1%

13,726,211,769.79

0.7%

310,009,755.65

0.1%

29. Nus a Tengga ra Ti mur

530,989,714.05

0.0%

738,080,946.24

0.0%

899,324,544.39

0.0%

1,146,291,736.67

0.1%

170,033,071.60

0.0%

30. Ma l uku

534,013,579.40

0.0%

513,227,725.16

0.0%

877,947,475.95

0.0%

1,562,239,032.90

0.1%

166,119,220.14

0.0%

31. Ma l uku Uta ra

706,339,836.76

0.0%

733,657,069.38

0.0%

579,346,927.86

0.0%

529,011,635.92

0.0%

3,834,312.52

0.0%

1,168,851,801.70

0.1%

1,387,400,316.70

0.1%

1,615,787,291.11

0.1%

1,844,020,138.41

0.1%

4,836,000.00

0.0%

15,538,935,006.92

0.8%

6,475,526,576.57

0.3%

3,720,745,249.11

0.2%

3,241,357,790.08

0.2%

158,293,535.27

0.0%

1,858,174,899,241.14

100.0%

1,919,690,173,735.72

100.0%

1,946,704,177,541.96

100.0%

2,103,927,509,552.56

100.0%

452,922,870,760.83

100.0%

6. Suma tera Sel a ta n

9. Kepul a ua n Ba ngka Bel i tung 10. Kepul a ua n Ri a u

14. DI. Yogya ka rta

17. Ba l i

21. Ka l i ma nta n Ti mur

26. Goronta l o 27. Sul a wes i Ba ra t

32. Pa pua Ba ra t 33. Pa pua TOTAL

32


0.0%

NUMBER OF RISK As At 30 June 2011 Table 4.1

CRESTA ZONE

U/Y 2007

U/Y 2008

U/Y 2009

U/Y 2010

U/Y 2011

Banda Aceh

1.1

448

576

526

380

31

Medan

1.2

3,010

4,271

4,295

3,472

390

Others

1.3

1,272

2,328

2,418

2,716

154

1

4,730

7,175

7,239

6,568

575

Padang

2.1

2,767

3,910

3,592

5,378

54

Palembang

2.2

1,118

1,353

1,184

905

178

Others

2.3

5,766

11,395

8,839

9,747

435

2

9,651

16,658

13,615

16,030

667

North Sumatera

South Sumatera DKI Jakarta

3.1

24,659

26,433

28,184

23,094

1,182

Bandung

3.2

3,645

4,379

1,146

1,247

384

Others

3.3

14,700

19,454

24,031

22,745

1,218

3

43,004

50,266

53,361

47,086

2,784

DKI & West Java Semarang

4.1

1,932

2,282

409

141

344

Yogyakarta

4.2

1,716

1,801

1,885

1,673

213

Others

4.3

3,814

6,539

7,180

6,781

362

4

7,462

10,622

9,474

8,595

919

Surabaya

5.1

3,351

4,147

4,423

4,100

826

Others

5.2

3,760

5,587

5,574

4,982

494

5 6

7,111

9,734

9,997

9,082

1,320

2,124

3,817

3,287

3,487

114

DIY & Central Java

East Java Kalimantan Ujung Pandang

7.1

898

1,217

1,178

938

83

Others

7.2

2,217

3,924

2,335

2,811

59

7 8

3,115

5,141

3,513

3,749

142

5,814

7,619

8,390

7,414

335

83,011

111,032

108,876

102,011

6,856

Sulawesi Other Islands T OT A L

33


34


NUMBER OF RISK BY OCCUPATION As At 30 June 2011 Table 4.2

Description

U/Y 2007

In %

U/Y 2008

In %

U/Y 2009

In %

U/Y 2010

In %

U/Y 2011

In %

Agricultural

412 0.50%

599 0.54%

348 0.32%

265 0.26%

64 0.93%

Commercial

39,310 47.36%

64,507 58.10%

55,866 51.31%

47,881 46.94%

5,083 74.14%

Industrial

11,704 14.10%

9,682 8.72%

11,526 10.59%

10,553 10.34%

933 13.61%

Residential

31,585 38.05%

36,244 32.64%

41,136 37.78%

43,312 42.46%

776 11.32%

TOTAL

83,011

100%

111,032

100%

*) Figure above excluding undefined multi location risks

35


108,876

100%

102,011

100%

6,856

100%

Commercial, 39,541

Residential, 36,498

Industrial, 11,779

Agricultural, 602

Residential, 41,305

Agricultural, 350

Industrial, 9,823

Agricultural, 412

Industrial, 11,631 Residential, 31,625

Commercial, 56,782

Commercial, 64,852

2009

2007 2008 Commercial, 47,990

Industrial, 10,606 Industrial, 933 Commercial, 5,083

Agricultural, 267

Agricultural, 64

Residential, 43,512

2010

2011 Residential, 776

36


CLAIM FREQUENCY BY OCCUPATION As At 30 June 2011 Table 5.1

Description

U/Y 2007

U/Y 2008

U/Y 2009

U/Y 2010

U/Y 2011

Agricultural

2

7

87

0

0

Commercial

236

917

1465

25

0

Industrial

28

35

36

2

0

Residential

104

283

903

6

0

TOTAL

370

1242

2491

33

0

37


38


CLAIM FREQUENCY BY CRESTA ZONE As At 30 June 2011 Table 5.2

CRESTA ZONE Banda Aceh Medan Others North Sumatera Padang Palembang Others South Sumatera DKI Jakarta Bandung Others DKI & West Java Semarang Yogyakarta Others DIY & Central Java Surabaya Others East Java Kalimantan Ujung Pandang Others Sulawesi Other Islands T OTAL

39

U/Y 2007 1.1 1.2 1.3 1 2.1 2.2 2.3 2 3.1 3.2 3.3 3 4.1 4.2 4.3 4 5.1 5.2 5 6 7.1 7.2 7 8

U/Y 2008

U/Y 2009

U/Y 2010

U/Y 2011

0

1

1

1

0

0

0

0

1

0

0

1

12

0

0

0

2

13

2

0

235

918

2,036

0

0

0

2

0

0

0

90

76

36

0

0

325

996

2,072

0

0

18

46

61

0

0

4

38

52

0

0

11

130

253

1

0

33

214

366

1

0

0

0

0

0

0

1

0

0

1

0

0

4

3

18

0

1

4

3

19

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

1

0

0

0

0

0

0

1

0

3

6

0

2

0

3

6

0

3

0

8

19

37

8

0

370

1,242

2,491

33

0


40


CLAIM BY OCCUPATION As At 30 June 2011 Table 5.3

Description

U/Y 2007

In %

U/Y 2008

In %

U/Y 2009

In %

Agricultural

106,250,000.00

0.05%

9,176,695,348.00

0.46%

65,136,248,993.60

1.27%

Commercial

78,618,409,061.53

39.72%

1,895,085,058,389.25

95.02%

4,962,721,352,338.30

97.11%

Industrial

63,516,052,106.00

32.09%

63,823,188,368.47

3.20%

9,670,315,626.45

Residential

55,694,666,861.96

28.14%

26,361,812,896.33

1.32%

72,905,000,825.53

TOTAL

41

197,935,378,029.49 100.00%

1,994,446,755,002.05

100.00%

In % -

U/Y 2011

In IDR In %

0.00%

0.00 0.00%

120,047,702,009.00

87.99%

0.00 0.00%

0.19%

15,900,000,000.00

11.65%

0.00 0.00%

1.43%

478,074,150.00

0.35%

0.00 0.00%

100.00%

0.00 0.00%

5,110,432,917,783.88 100.00%


U/Y 2010

136,425,776,159.00

42


Claim by Cresta Zone As At 30 June 2011 Table 5 .4

In IDR

CRESTA ZONE Banda Aceh Medan Others North Sumatera Padang Palembang Others South Sumatera DKI Jakarta Bandung Others DKI & West Java Semarang Yogyakarta Others DIY & Central Java Surabaya Others East Java Kalimantan Ujung Pandang Others Sulawesi Other Islands T OTAL

43

1.1 1.2 1.3 1 2.1 2.2 2.3 2 3.1 3.2 3.3 3 4.1 4.2 4.3 4 5.1 5.2 5 6 7.1 7.2 7 8

U/Y 2007 Amount in % 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 121,380,862,012.54 61.3% 0.00 0.0% 68,281,665,634.17 34.5% 189,662,527,646.71 95.8% 2,067,026,266.00 1.0% 2,729,313,359.78 1.4% 592,744,340.00 0.3% 5,389,083,965.78 2.7% 0.00 0.0% 300,000,000.00 0.2% 0.00 0.0% 300,000,000.00 0.2% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 429,763,147.00 0.2% 429,763,147.00 0.2% 2,154,003,270.00 1.1% 197,935,378,029.49 100.0%

U/Y 2008 Amount 53,980,575.00 0.00 3,605,967,911.00 3,659,948,486.00 1,906,310,672,058.89 9,165,151,500.00 33,186,514,686.31 1,948,662,338,245.20 8,070,318,176.00 3,187,415,714.31 11,929,303,372.51 23,187,037,262.82 0.00 0.00 30,800,000.00 30,800,000.00 0.00 0.00 50,174,959.90 0.00 685,405,890.00 685,405,890.00 18,171,050,158.13 1,994,446,755,002.05

in % 0.0% 0.0% 0.0% 0.2% 6.1% 0.0% 3.4% 97.7% 0.1% 0.1% 0.0% 1.2% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.9% 100.0%

U/Y 2009 Amount

in % 0.00 0.0% 0.00 0.0% 750,397,339.00 0.0% 750,397,339.00 0.0% 4,767,838,035,815.69 2.4% 0.00 0.0% 97,071,878,366.06 1.3% 4,864,909,914,181.75 95.2% 3,154,793,138.79 0.0% 3,264,528,630.15 0.1% 73,450,357,740.95 0.0% 79,869,679,509.89 1.6% 0.00 0.0% 0.00 0.0% 181,362,006.40 0.0% 181,362,006.40 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 164,721,564,746.85 3.2% 5,110,432,917,783.88 100.0%


U/Y 2010 Amount 39,128,000.00 17,388,400.00 0.00 56,516,400.00 0.00 0.00 0.00 0.00 0.00 0.00 120,000,000.00 120,000,000.00 0.00 12,713,600.00 119,563,182,609.00 119,575,896,209.00 0.00 0.00 0.00 0.00 1,400,000,000.00 105,000,000.00 1,505,000,000.00 15,168,363,550.00 136,425,776,159.00

in % 0.0% 0.0% 0.0% 0.0% 89.0% 0.0% 50.1% 0.0% 1.5% 2.0% 0.4% 0.1% 0.0% 0.2% 0.0% 87.6% 0.0% 0.0% 0.0% 0.0% 0.0% 0.3% 1.1% 11.1% 100.0%

U/Y 2011 Amount in % 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0%

South Sumatera 95.82%

South Sumatera 97.70% South Sumatera 95.20%

2008 North Sumatera 0.00%

Other Islands 1.09%

DKI & West Java 2.72% Sulawesi 0.22%

2007

2009 DKI & West DIY & Central Java Java 1.16% 0.00% Kalimantan 0.00% East Java

North Sumatera 0.18%

DIY & Central Java Kalimantan 0.15% 0.00% East Java 0.00%

Other Islands 0.91% Sulawesi 0.03%

0.00%

Kalimantan 0.00%

2011 East Java 0.00% Sulawesi 1.10% South Sumatera 0.00%

44

DKI & West Java 0.09%

North Sumatera 0.04%

Other Islands 11.12%


Other Islands 3.22% East Java 0.00% Kalimantan 0.00%

DIY & Central Java 87.65%

2010

North Sumatera 0.01% DKI & West Java 1.56% Sulawesi 0.00%

DIY & Central Java 0.00%

P T . A suransi MA IP A R K Indonesia

RISK & L O SS PRO FIL E U NDE R WR IT ING Y E AR : 2007 - 2011 PR O VINC E : All O C C U PAT IO N : All

DAT A PO SIT IO N FR O M

01/01/2007

TO

30/06/2011

PR O C E SSING DAT E

05/04/2012

INC U R R E D C LAIM (In Million R p.)

LO SS R AT IO

T able 6.1 SU M INSU R E D (B AND) (In Million R p.) B AND

(a)

FR O M

TO

(b)

(c)

NU MB E R O F R ISKS f

F ∑(d)

(d)

(e )

G R O SS PR E MIU M (In Million R p.)

PE R C E NT AG E B AND C U M. (d)/∑(d) ∑(f) (f)

(g )

rp

RP ∑(h)

(h)

(i)

C LAIM FR E Q U E NC Y

PE R C E NT AG E B AND C U M. (i)/∑(i) ∑(j) (j)

(k )

f

F ∑(l)

(l)

(m)

(n )

(o )

RP ∑(p)

(p)

(q )

PE R C E NT AG E B AND C U M. (q)/∑(q) ∑(r) (r)

(s)

PE R C E NT AG E B AND C U M. (p)/(h) (q)/(i) (t) (u)

1

0.00

50.00

36,432

36,432

8.85

8.85

2,067.40

2,067.40

0.02

0.02

109

109

2.63

2.63

8,350.16

8,350.16

0.11

0.11

403.90

403.90

2

50.00

100.00

25,871

62,303

6.28

15.13

3,320.91

5,388.31

0.04

0.07

153

262

3.69

6.31

4,562.47

12,912.63

0.06

0.16

137.39

239.64

3

100.00

200.00

44,103

106,406

10.71

25.84

9,270.68

14,658.99

0.11

0.18

355

617

8.55

14.86

8,640.90

21,553.53

0.11

0.27

93.21

147.03

4

200.00

300.00

32,518

138,924

7.90

33.74

10,185.33

24,844.32

0.12

0.30

450

1,067

10.84

25.70

37,057.43

58,610.96

0.47

0.75

363.83

235.91

5

300.00

500.00

44,756

183,680

10.87

44.61

21,790.46

46,634.78

0.26

0.56

567

1,634

13.66

39.36

48,487.97

107,098.93

0.62

1.36

222.52

229.65

6

500.00

750.00

49,103

232,783

11.92

56.53

38,196.74

84,831.52

0.46

1.02

446

2,080

10.74

50.11

70,932.54

178,031.47

0.90

2.26

185.70

209.86

7

750.00

1,000.00

28,659

261,442

6.96

63.49

31,489.04

116,320.56

0.38

1.40

200

2,280

4.82

54.93

30,039.44

208,070.90

0.38

2.65

95.40

178.88

8

1,000.00

1,500.00

34,690

296,132

8.42

71.91

49,997.34

166,317.90

0.60

2.01

261

2,541

6.29

61.21

48,471.73

256,542.64

0.62

3.26

96.95

154.25

9

1,500.00

2,000.00

17,644

313,776

4.28

76.20

36,574.75

202,892.65

0.44

2.45

147

2,688

3.54

64.76

51,131.44

307,674.07

0.65

3.91

139.80

151.64

10

2,000.00

2,500.00

13,318

327,094

3.23

79.43

35,768.65

238,661.30

0.43

2.88

111

2,799

2.67

67.43

61,280.27

368,954.34

0.78

4.69

171.32

154.59

11

2,500.00

3,000.00

8,411

335,505

2.04

81.48

27,808.70

266,470.00

0.34

3.22

65

2,864

1.57

69.00

38,752.60

407,706.93

0.49

5.19

139.35

153.00

12

3,000.00

4,000.00

12,310

347,815

2.99

84.46

51,194.97

317,664.97

0.62

3.84

143

3,007

3.44

72.44

122,989.46

530,696.39

1.56

6.75

240.24

167.06

13

4,000.00

5,000.00

7,727

355,542

1.88

86.34

41,720.03

359,385.00

0.50

4.34

92

3,099

2.22

74.66

32,181.63

562,878.02

0.41

7.16

77.14

156.62

14

5,000.00

7,500.00

12,773

368,315

3.10

89.44

92,635.80

452,020.80

1.12

5.46

123

3,222

2.96

77.62

59,391.36

622,269.38

0.76

7.91

64.11

137.66

15

7,500.00

10,000.00

6,819

375,134

1.66

91.10

70,193.09

522,213.90

0.85

6.31

158

3,380

3.81

81.43

181,107.47

803,376.85

2.30

10.22

258.01

153.84

16

10,000.00

20,000.00

12,607

387,741

3.06

94.16

208,759.55

730,973.45

2.52

8.83

227

3,607

5.47

86.89

646,091.53

1,449,468.38

8.22

18.44

309.49

198.29

17

20,000.00

50,000.00

10,887

398,628

2.64

96.80

403,506.56

1,134,480.00

4.87

13.70

126

3,733

3.04

89.93

380,424.12

1,829,892.50

4.84

23.28

94.28

161.30

18

50,000.00

100,000.00

5,315

403,943

1.29

98.10

451,263.35

1,585,743.35

5.45

19.15

108

3,841

2.60

92.53

1,433,995.08

3,263,887.57

18.24

41.51

317.77

205.83

19

100,000.00

500,000.00

20

500,000.00

UP

* ) Multilocation

6,097

410,040

1.48

99.58

1,569,425.04

3,155,168.39

18.95

38.10

195

4,036

4.70

97.23

3,182,721.92

6,446,609.50

40.48

82.00

202.80

204.32

1,746

411,786

0.42

100.00

4,094,082.60

7,249,250.99

49.44

87.54

100

4,136

2.41

99.64

992,631.33

7,439,240.83

12.63

94.62

24.25

102.62

1,032,168.64

8,281,419.63

12.46

100.00

15

4,151

0.36

100.00

422,734.90

7,861,975.73

5.38

100.00

40.96

94.94

*) Multilocation = risiko multi lokasi yang karena kurang lengkapnya data yang kami terima, risiko tersebut tidak dapat kami identifikasi sebagai any one risk

45

PE R C E NT AG E B AND C U M. (m)/∑(m) ∑(n)

rp


PT. Asuransi MAIPARK Indonesia

RISK & LOSS PROFILE UNDERWRITING YEAR PROVINCE OCCUPATION

: 2011 : All : All

DATA POSITION FROM

01/01/2011

TO

30/06/2011

PROCESSING DATE

5/04/2012

Table 6.2 SUM INSURED (BAND) (In Million Rp.) BAND

(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)

GROSS PREMIUM (In Million Rp.)

PERCENTAGE BAND CUM. (d)/∑(d) ∑(f) ( f)

( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY

PERCENTAGE BAND CUM. (i)/∑(i) ∑(j) ( j)

( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO

PERCENTAGE BAND CUM. (q)/∑(q) ∑(r) ( r)

( s)

PERCENTAGE BAND CUM. (p)/(h) (q)/(i) (t)

(u)

1

0.00

50.00

136

136

1.98

1.98

42.03

42.03

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

128

264

1.87

3.85

19.61

61.64

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

741

1,005

10.81

14.66

195.37

257.01

0.04

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

417

1,422

6.08

20.74

147.67

404.68

0.03

0.09

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

1,049

2,471

15.30

36.04

578.85

983.53

0.13

0.22

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

1,391

3,862

20.29

56.33

1,081.29

2,064.82

0.24

0.46

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

469

4,331

6.84

63.17

534.92

2,599.74

0.12

0.57

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

336

4,667

4.90

68.07

524.17

3,123.90

0.12

0.69

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

158

4,825

2.30

70.38

355.90

3,479.80

0.08

0.77

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

94

4,919

1.37

71.75

276.04

3,755.84

0.06

0.83

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

71

4,990

1.04

72.78

253.99

4,009.83

0.06

0.89

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

167

5,157

2.44

75.22

742.94

4,752.77

0.16

1.05

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

165

5,322

2.41

77.63

922.78

5,675.55

0.20

1.25

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

201

5,523

2.93

80.56

1,440.13

7,115.68

0.32

1.57

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

109

5,632

1.59

82.15

1,263.89

8,379.57

0.28

1.85

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

256

5,888

3.73

85.88

4,484.32

12,863.89

0.99

2.84

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

305

6,193

4.45

90.33

11,915.58

24,779.47

2.63

5.47

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

197

6,390

2.87

93.20

17,718.38

42,497.84

3.91

9.38

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

335

6,725

4.89

98.09

91,892.82

134,390.66

20.29

29.67

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

131

6,856

1.91

100.00

318,532.21

452,922.87

70.33

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

452,922.87

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UP

* ) Multilocation


46

INCURRED CLAIM (In Million Rp.)

PERCENTAGE BAND CUM. (m)/∑(m) ∑(n)


P T . A suransi MA IP A R K Indo nesia

R ISK & L O SS P R O F IL E U NDE R WR IT ING Y E AR : 2010 P R O VINC E : All O C C U P AT IO N : All

DAT A P O SIT IO N FR O M

01/01/2010

TO

30/06/2011

P R O C E SSING DAT E

05/04/2012

INC U R R E D C L AIM (In Million R p.)

L O SS R AT IO

T able 6.3 SU M INSU R E D (B AND) (In Million R p.) B AND FR O M (a)

NU MB E R O F R ISK S f

F ∑(d)

(d)

(e )

TO

(b)

(c)

G R O SS P R E MIU M (In Million R p.)

P E R C E NT AG E B AND C U M. (d)/∑(d) ∑(f) (f)

(g )

rp

RP ∑(h) (i )

(h)

C L AIM FR E Q U E NC Y

P E R C E NT AG E B AND C U M. (i)/∑(i) ∑(j) (j )

(k )

f

F ∑(l)

(l)

(n )

(m)

(o )

rp

RP ∑(p)

P E R C E NT AG E B AND C U M. (q)/∑(q) ∑(r)

(q )

(p)

(r)

(s)

P E R C E NT AG E B AND C U M. (p)/(h) (q)/(i) (t) (u)

1

0.00

50.00

6,121

6,121

6.00

6.00

439.72

439.72

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

5,985

12,106

5.87

11.87

777.22

1,216.94

0.04

0.06

1

1

2.94

2.94

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

10,492

22,598

10.29

22.15

2,477.97

3,694.91

0.12

0.18

0

1

0.00

2.94

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

8,090

30,688

7.93

30.08

2,897.35

6,592.26

0.14

0.31

2

3

5.88

8.82

33.58

33.58

0.02

0.02

1.16

0.51

5

300.00

500.00

11,315

42,003

11.09

41.17

6,138.66

12,730.92

0.29

0.61

4

7

11.76

20.59

113.70

147.28

0.08

0.10

1.85

1.16

6

500.00

750.00

13,305

55,308

13.04

54.22

11,561.99

24,292.91

0.55

1.15

0

7

0.00

20.59

0.00

147.28

0.00

0.10

0.00

0.61

7

750.00

1,000.00

8,881

64,189

8.71

62.92

11,190.16

35,483.07

0.53

1.69

1

8

2.94

23.53

39.13

186.40

0.03

0.12

0.35

0.53

8

1,000.00

1,500.00

9,149

73,338

8.97

71.89

14,732.20

50,215.27

0.70

2.39

0

8

0.00

23.53

0.00

186.40

0.00

0.12

0.00

0.37

9

1,500.00

2,000.00

4,469

77,807

4.38

76.27

10,098.12

60,313.39

0.48

2.87

5

13

14.71

38.24

1,965.74

2,152.14

1.30

1.43

19.47

3.57

10

2,000.00

2,500.00

3,570

81,377

3.50

79.77

10,361.37

70,674.77

0.49

3.36

0

13

0.00

38.24

0.00

2,152.14

0.00

1.43

0.00

3.05

11

2,500.00

3,000.00

2,083

83,460

2.04

81.81

7,491.56

78,166.33

0.36

3.72

0

13

0.00

38.24

0.00

2,152.14

0.00

1.43

0.00

2.75

12

3,000.00

4,000.00

3,185

86,645

3.12

84.94

14,381.82

92,548.14

0.68

4.40

0

13

0.00

38.24

0.00

2,152.14

0.00

1.43

0.00

2.33

13

4,000.00

5,000.00

1,840

88,485

1.80

86.74

10,719.71

103,267.86

0.51

4.91

1

14

2.94

41.18

345.00

2,497.14

0.23

1.65

3.22

2.42

14

5,000.00

7,500.00

3,236

91,721

3.17

89.91

25,619.06

128,886.92

1.22

6.13

1

15

2.94

44.12

0.00

2,497.14

0.00

1.65

0.00

1.94

15

7,500.00

10,000.00

1,517

93,238

1.49

91.40

17,267.70

146,154.62

0.82

6.95

1

16

2.94

47.06

9.35

2,506.49

0.01

1.66

0.05

1.71

16

10,000.00

20,000.00

3,008

96,246

2.95

94.35

54,991.65

201,146.27

2.61

9.56

1

17

2.94

50.00

100.00

2,606.49

0.07

1.73

0.18

1.30

17

20,000.00

50,000.00

2,510

98,756

2.46

96.81

101,436.19

302,582.46

4.82

14.38

0

17

0.00

50.00

0.00

2,606.49

0.00

1.73

0.00

0.86

18

50,000.00

100,000.00

1,285

100,041

1.26

98.07

114,214.74

416,797.20

5.43

19.81

3

20

8.82

58.82

125.30

2,731.80

0.08

1.81

0.11

0.66

19

100,000.00

500,000.00

1,517

101,558

1.49

99.56

406,372.87

823,170.07

19.31

39.13

10

30

29.41

88.24

92,188.98

94,920.78

61.08

62.89

22.69

11.53

20

500,000.00

453

102,011

0.44

100.00

1,128,715.49

1,951,885.56

53.65

92.77

3

33

8.82

97.06

41,505.00

136,425.78

27.50

90.39

3.68

6.99

152,041.94

2,103,927.51

7.23

100.00

1

34

2.94

100.00

14,500.00

150,925.78

9.61

100.00

9.54

7.17

UP

* ) Multilocation


47

P E R C E NT AG E C U M. B AND ∑(n) (m)/∑(m)




: 2009 : All : All

DATA POSITION FROM

01/01/2009

TO

30/06/2011

PROCESSING DATE

5/04/2012


LOSS RATIO


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)


( s)


(u)

1

0.00

50.00

8,582

8,582

7.88

7.88

725.71

725.71

0.04

0.04

85

85

3.41

3.41

2,281.33

2,281.33

0.04

0.04

314.36

314.36

2

50.00

100.00

6,454

15,036

5.93

13.81

801.12

1,526.84

0.04

0.08

114

199

4.57

7.97

3,557.99

5,839.32

0.07

0.11

444.13

382.45

3

100.00

200.00

11,424

26,460

10.49

24.30

2,354.66

3,881.50

0.12

0.20

243

442

9.74

17.71

5,116.42

10,955.73

0.09

0.20

217.29

282.26

4

200.00

300.00

8,346

34,806

7.67

31.97

2,571.24

6,452.74

0.13

0.33

307

749

12.30

30.01

15,010.16

25,965.89

0.28

0.48

583.77

402.40

5

300.00

500.00

11,685

46,491

10.73

42.70

5,470.01

11,922.75

0.28

0.61

375

1,124

15.02

45.03

36,183.32

62,149.21

0.67

1.14

661.49

521.27

6

500.00

750.00

12,170

58,661

11.18

53.88

8,906.03

20,828.78

0.46

1.07

291

1,415

11.66

56.69

48,440.84

110,590.05

0.89

2.03

543.91

530.95

7

750.00

1,000.00

8,359

67,020

7.68

61.56

8,388.53

29,217.31

0.43

1.50

134

1,549

5.37

62.06

19,541.41

130,131.45

0.36

2.39

232.95

445.39

8

1,000.00

1,500.00

9,657

76,677

8.87

70.43

13,333.29

42,550.60

0.68

2.19

145

1,694

5.81

67.87

29,550.59

159,682.04

0.54

2.94

221.63

375.28

9

1,500.00

2,000.00

5,074

81,751

4.66

75.09

10,008.71

52,559.31

0.51

2.70

82

1,776

3.29

71.15

25,775.06

185,457.10

0.47

3.41

257.53

352.85

10

2,000.00

2,500.00

3,770

85,521

3.46

78.55

9,715.82

62,275.13

0.50

3.20

60

1,836

2.40

73.56

28,394.53

213,851.63

0.52

3.93

292.25

343.40

11

2,500.00

3,000.00

2,400

87,921

2.20

80.75

7,524.22

69,799.36

0.39

3.59

28

1,864

1.12

74.68

16,854.82

230,706.45

0.31

4.24

224.01

330.53

12

3,000.00

4,000.00

3,512

91,433

3.23

83.98

13,873.13

83,672.49

0.71

4.30

77

1,941

3.08

77.76

85,498.08

316,204.53

1.57

5.81

616.29

377.91

13

4,000.00

5,000.00

2,109

93,542

1.94

85.92

10,805.38

94,477.86

0.56

4.85

41

1,982

1.64

79.41

21,848.28

338,052.81

0.40

6.22

202.20

357.81

14

5,000.00

7,500.00

3,565

97,107

3.27

89.19

24,528.28

119,006.14

1.26

6.11

64

2,046

2.56

81.97

34,511.42

372,564.24

0.63

6.85

140.70

313.06

15

7,500.00

10,000.00

1,806

98,913

1.66

90.85

17,467.08

136,473.22

0.90

7.01

79

2,125

3.17

85.14

92,685.62

465,249.85

1.70

8.55

530.63

340.91

16

10,000.00

20,000.00

3,569

102,482

3.28

94.13

55,573.99

192,047.22

2.85

9.87

131

2,256

5.25

90.38

485,880.12

951,129.98

8.93

17.49

874.29

495.26

17

20,000.00

50,000.00

3,030

105,512

2.78

96.91

104,725.87

296,773.09

5.38

15.24

67

2,323

2.68

93.07

354,886.13

1,306,016.10

6.53

24.01

338.87

440.07

18

50,000.00

100,000.00

1,350

106,862

1.24

98.15

109,161.13

405,934.21

5.61

20.85

33

2,356

1.32

94.39

33,038.21

1,339,054.31

0.61

24.62

30.27

329.87

19

100,000.00

500,000.00

1,582

108,444

1.45

99.60

387,034.45

792,968.66

19.88

40.73

106

2,462

4.25

98.64

3,038,201.30

4,377,255.61

55.86

80.49

785.00

552.01

20

500,000.00

432

108,876

0.40

100.00

870,294.43

1,663,263.09

44.71

85.44

29

2,491

1.16

99.80

733,177.31

5,110,432.92

13.48

93.97

84.24

307.25

283,441.09

1,946,704.18

14.56

100.00

5

2496

0.20

100.00

328,054.47

5,438,487.39

6.03

100.00

115.74

279.37

UP

* ) Multilocation


48





: 2008 : All : All

DATA POSITION FROM

01/01/2008

TO

30/06/2011

PROCESSING DATE

5/04/2012


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)

( f)

CLAIM FREQUENCY


PERCENTAGE CUM. BAND ∑(f) (d)/∑(d) ( g)

rp

RP ∑(h)

(h)

( i)

PERCENTAGE CUM. BAND ∑(j) (i)/∑(i) ( j)

( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO

PERCENTAGE CUM. BAND ∑(r) (q)/∑(q) ( r)

( s)


(u)

1

0.00

50.00

14,767

14,767

13.30

13.30

609.27

609.27

0.03

0.03

21

21

1.68

1.68

6,005.94

6,005.94

0.30

0.30

985.76

985.76

2

50.00

100.00

9,107

23,874

8.20

21.50

1,276.97

1,886.24

0.07

0.10

33

54

2.65

4.33

938.14

6,944.08

0.05

0.34

73.47

368.14

3

100.00

200.00

12,478

36,352

11.24

32.74

2,498.14

4,384.39

0.13

0.23

93

147

7.46

11.79

3,268.92

10,213.01

0.16

0.50

130.85

232.94

4

200.00

300.00

8,695

45,047

7.83

40.57

2,570.80

6,955.19

0.13

0.36

113

260

9.06

20.85

21,372.19

31,585.20

1.06

1.56

831.34

454.12

5

300.00

500.00

11,202

56,249

10.09

50.66

5,249.56

12,204.75

0.27

0.64

124

384

9.94

30.79

10,018.32

41,603.52

0.49

2.06

190.84

340.88

6

500.00

750.00

13,273

69,522

11.95

62.61

10,053.73

22,258.48

0.52

1.16

114

498

9.14

39.94

20,536.42

62,139.94

1.01

3.07

204.27

279.17

7

750.00

1,000.00

6,336

75,858

5.71

68.32

6,616.70

28,875.18

0.34

1.50

40

538

3.21

43.14

9,838.37

71,978.31

0.49

3.56

148.69

249.27

8

1,000.00

1,500.00

7,555

83,413

6.80

75.13

11,109.71

39,984.90

0.58

2.08

82

620

6.58

49.72

17,821.97

89,800.28

0.88

4.44

160.42

224.59

9

1,500.00

2,000.00

4,187

87,600

3.77

78.90

8,602.02

48,586.92

0.45

2.53

45

665

3.61

53.33

21,961.72

111,762.00

1.08

5.52

255.31

230.02

10

2,000.00

2,500.00

3,113

90,713

2.80

81.70

8,266.19

56,853.10

0.43

2.96

39

704

3.13

56.46

32,106.86

143,868.86

1.59

7.11

388.41

253.05

11

2,500.00

3,000.00

2,027

92,740

1.83

83.53

6,677.65

63,530.76

0.35

3.31

29

733

2.33

58.78

20,785.20

164,654.06

1.03

8.13

311.27

259.17

12

3,000.00

4,000.00

2,855

95,595

2.57

86.10

11,689.39

75,220.15

0.61

3.92

56

789

4.49

63.27

34,470.21

199,124.26

1.70

9.84

294.88

264.72

13

4,000.00

5,000.00

1,899

97,494

1.71

87.81

10,284.80

85,504.95

0.54

4.45

39

828

3.13

66.40

8,556.69

207,680.96

0.42

10.26

83.20

242.89

14

5,000.00

7,500.00

3,024

100,518

2.72

90.53

21,822.29

107,327.24

1.14

5.59

47

875

3.77

70.17

22,247.17

229,928.13

1.10

11.36

101.95

214.23

15

7,500.00

10,000.00

1,730

102,248

1.56

92.09

17,817.86

125,145.10

0.93

6.52

77

952

6.17

76.34

88,374.58

318,302.70

4.37

15.72

495.99

254.35

16

10,000.00

20,000.00

3,074

105,322

2.77

94.86

50,139.49

175,284.58

2.61

9.13

84

1,036

6.74

83.08

157,824.90

476,127.61

7.80

23.52

314.77

271.63

17

20,000.00

50,000.00

2,628

107,950

2.37

97.22

99,123.29

274,407.88

5.16

14.29

36

1,072

2.89

85.97

12,013.14

488,140.75

0.59

24.11

12.12

177.89

18

50,000.00

100,000.00

1,267

109,217

1.14

98.37

110,809.83

385,217.71

5.77

20.07

58

1,130

4.65

90.62

1,394,796.26

1,882,937.01

68.90

93.02 1,258.73

488.80

19

100,000.00

500,000.00

1,435

110,652

1.29

99.66

376,022.61

761,240.32

19.59

39.65

55

1,185

4.41

95.03

47,105.38

1,930,042.39

2.33

95.35

12.53

253.54

20

500,000.00

380

111,032

0.34

100.00

886,141.39

1,647,381.71

46.16

85.81

57

1,242

4.57

99.60

64,404.36

1,994,446.76

3.18

98.53

7.27

121.07

272,308.46

1,919,690.17

14.19

100.00

5

1247

0.40

100.00

29,793.04

2,024,239.79

1.47

100.00

10.94

105.45

UP

* ) Multilocation

*) Multilocation = risiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk

49


PERCENTAGE CUM. BAND ∑(n) (m)/∑(m)




: 2007 : All : All

DATA POSITION FROM

01/01/2007

TO

30/06/2011

PROCESSING DATE

5/04/2012


LOSS RATIO


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)


( s)


(u)

1

0.00

50.00

6,826

6,826

8.22

8.22

250.67

250.67

0.01

0.01

3

3

0.80

0.80

62.89

62.89

0.03

0.03

25.09

25.09

2

50.00

100.00

4,197

11,023

5.06

13.28

445.98

696.64

0.02

0.04

5

8

1.34

2.14

66.34

129.23

0.03

0.05

14.87

18.55

3

100.00

200.00

8,968

19,991

10.80

24.08

1,744.54

2,441.18

0.09

0.13

19

27

5.08

7.22

255.56

384.79

0.10

0.15

14.65

15.76

4

200.00

300.00

6,970

26,961

8.40

32.48

1,998.28

4,439.46

0.11

0.24

28

55

7.49

14.71

641.50

1,026.29

0.26

0.41

32.10

23.12

5

300.00

500.00

9,505

36,466

11.45

43.93

4,353.37

8,792.83

0.23

0.47

64

119

17.11

31.82

2,172.63

3,198.93

0.87

1.29

49.91

36.38

6

500.00

750.00

8,964

45,430

10.80

54.73

6,593.71

15,386.54

0.35

0.83

41

160

10.96

42.78

1,955.28

5,154.20

0.79

2.08

29.65

33.50

7

750.00

1,000.00

4,614

50,044

5.56

60.29

4,758.72

20,145.26

0.26

1.08

25

185

6.68

49.47

620.53

5,774.73

0.25

2.33

13.04

28.67

8

1,000.00

1,500.00

7,993

58,037

9.63

69.91

10,297.97

30,443.23

0.55

1.64

34

219

9.09

58.56

1,099.17

6,873.91

0.44

2.77

10.67

22.58

9

1,500.00

2,000.00

3,756

61,793

4.52

74.44

7,510.00

37,953.23

0.40

2.04

15

234

4.01

62.57

1,428.92

8,302.83

0.58

3.34

19.03

21.88

10

2,000.00

2,500.00

2,771

64,564

3.34

77.78

7,149.23

45,102.46

0.38

2.43

12

246

3.21

65.78

778.88

9,081.70

0.31

3.66

10.89

20.14

11

2,500.00

3,000.00

1,830

66,394

2.20

79.98

5,861.27

50,963.73

0.32

2.74

8

254

2.14

67.91

1,112.58

10,194.28

0.45

4.11

18.98

20.00

12

3,000.00

4,000.00

2,591

68,985

3.12

83.10

10,507.69

61,471.42

0.57

3.31

10

264

2.67

70.59

3,021.17

13,215.45

1.22

5.32

28.75

21.50

13

4,000.00

5,000.00

1,714

70,699

2.06

85.17

8,987.35

70,458.77

0.48

3.79

11

275

2.94

73.53

1,431.65

14,647.10

0.58

5.90

15.93

20.79

14

5,000.00

7,500.00

2,747

73,446

3.31

88.48

19,226.04

89,684.82

1.03

4.83

11

286

2.94

76.47

2,632.77

17,279.87

1.06

6.96

13.69

19.27

15

7,500.00

10,000.00

1,657

75,103

2.00

90.47

16,376.56

106,061.38

0.88

5.71

1

287

0.27

76.74

37.93

17,317.80

0.02

6.97

0.23

16.33

16

10,000.00

20,000.00

2,700

77,803

3.25

93.73

43,570.10

149,631.49

2.34

8.05

11

298

2.94

79.68

2,286.51

19,604.30

0.92

7.89

5.25

13.10

17

20,000.00

50,000.00

2,414

80,217

2.91

96.63

86,305.62

235,937.11

4.64

12.70

23

321

6.15

85.83

13,524.85

33,129.15

5.45

13.34

15.67

14.04

18

50,000.00

100,000.00

1,216

81,433

1.46

98.10

99,359.27

335,296.38

5.35

18.04

14

335

3.74

89.57

6,035.30

39,164.46

2.43

15.77

6.07

11.68

19

100,000.00

500,000.00

1,228

82,661

1.48

99.58

308,102.30

643,398.68

16.58

34.63

24

359

6.42

95.99

5,226.26

44,390.72

2.10

17.88

1.70

6.90

20

500,000.00

350

83,011

0.42

100.00

890,399.07

1,533,797.75

47.92

82.54

11

370

2.94

98.93

153,544.66

197,935.38

61.83

79.71

17.24

12.90

324,377.15

1,858,174.90

17.46

100.00

4

374

1.07

100.00

50,387.40

248,322.77

20.29

100.00

15.53

13.36

UP

* ) Multilocation


50





: 2011 : All : Agricultural

DATA POSITION FROM

01/01/2011

TO

30/06/2011

PROCESSING DATE

5/04/2012

Table 6.1.1 SUM INSURED (BAND) (In Million Rp.) BAND

(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

0

0

0.00

0.00

0.00

0.00

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

1

1

1.56

1.56

0.12

0.12

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

2

3

3.13

4.69

0.28

0.39

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

1

4

1.56

6.25

0.38

0.77

0.02

0.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

4

8

6.25

12.50

2.20

2.97

0.11

0.15

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

6

14

9.38

21.88

5.20

8.17

0.27

0.42

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

16

3.13

25.00

2.14

10.31

0.11

0.53

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

3

19

4.69

29.69

4.60

14.91

0.24

0.77

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

6

25

9.38

39.06

14.25

29.16

0.73

1.50

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

2

27

3.13

42.19

5.70

34.86

0.29

1.79

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

4

31

6.25

48.44

14.73

49.59

0.76

2.55

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

3

34

4.69

53.13

13.19

62.78

0.68

3.23

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

34

0.00

53.13

0.00

62.78

0.00

3.23

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

4

38

6.25

59.38

33.62

96.40

1.73

4.96

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

4

42

6.25

65.63

49.30

145.70

2.54

7.50

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

3

45

4.69

70.31

52.09

197.79

2.68

10.18

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

4

49

6.25

76.56

165.41

363.21

8.51

18.68

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

6

55

9.38

85.94

426.58

789.79

21.94

40.63

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

9

64

14.06

100.00

1,154.11

1,943.90

59.37

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

0

64

0.00

100.00

0.00

1,943.90

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

1,943.90

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UP

* ) Multilocation


51






: 2011 : All : Commercial

DATA POSITION FROM

01/01/2011

TO

30/06/2011

PROCESSING DATE

5/04/2012


LOSS RATIO


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)


( s)


(u)

1

0.00

50.00

35

35

0.69

0.69

1.82

1.82

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

45

80

0.89

1.57

7.23

9.06

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

650

730

12.79

14.36

162.11

171.16

0.24

0.25

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

376

1,106

7.40

21.76

132.08

303.24

0.19

0.44

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

973

2,079

19.14

40.90

531.47

834.71

0.77

1.22

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

1,321

3,400

25.99

66.89

1,026.39

1,861.11

1.50

2.71

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

428

3,828

8.42

75.31

487.32

2,348.43

0.71

3.42

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

272

4,100

5.35

80.66

426.00

2,774.43

0.62

4.04

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

99

4,199

1.95

82.61

218.68

2,993.11

0.32

4.36

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

55

4,254

1.08

83.69

153.31

3,146.42

0.22

4.59

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

40

4,294

0.79

84.48

139.45

3,285.87

0.20

4.79

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

108

4,402

2.12

86.60

493.93

3,779.80

0.72

5.51

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

124

4,526

2.44

89.04

681.26

4,461.05

0.99

6.50

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

111

4,637

2.18

91.23

772.20

5,233.25

1.13

7.63

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

48

4,685

0.94

92.17

570.27

5,803.52

0.83

8.46

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

110

4,795

2.16

94.33

2,055.13

7,858.65

3.00

11.46

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

110

4,905

2.16

96.50

4,336.13

12,194.78

6.32

17.78

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

69

4,974

1.36

97.86

5,891.30

18,086.08

8.59

26.37

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

86

5,060

1.69

99.55

22,600.28

40,686.36

32.95

59.32

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

23

5,083

0.45

100.00

27,904.98

68,591.34

40.68

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

68,591.34

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UP

* ) Multilocation


52





: 2011 : All : Industrial

DATA POSITION FROM

01/01/2011

TO

30/06/2011

PROCESSING DATE

5/04/2012


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

1

1

0.11

0.11

35.97

35.97

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

4

0.32

0.43

0.34

36.32

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

4

8

0.43

0.86

0.74

37.06

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

6

14

0.64

1.50

1.41

38.47

0.00

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

12

26

1.29

2.79

6.13

44.60

0.00

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

10

36

1.07

3.86

8.44

53.04

0.00

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

14

50

1.50

5.36

17.40

70.44

0.01

0.03

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

24

74

2.57

7.93

34.40

104.85

0.01

0.04

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

14

88

1.50

9.43

29.46

134.31

0.01

0.05

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

16

104

1.71

11.15

47.83

182.13

0.02

0.07

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

13

117

1.39

12.54

49.97

232.11

0.02

0.09

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

33

150

3.54

16.08

128.79

360.90

0.05

0.14

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

25

175

2.68

18.76

144.38

505.28

0.06

0.20

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

68

243

7.29

26.05

494.09

999.37

0.19

0.39

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

44

287

4.72

30.76

463.14

1,462.52

0.18

0.57

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

119

406

12.75

43.52

1,976.93

3,439.44

0.76

1.33

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

156

562

16.72

60.24

5,858.91

9,298.35

2.27

3.60

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

101

663

10.83

71.06

9,323.37

18,621.73

3.61

7.20

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

188

851

20.15

91.21

50,945.55

69,567.28

19.71

26.91

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

82

933

8.79

100.00

188,933.85

258,501.13

73.09

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

258,501.13

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UP

* ) Multilocation


53






: 2011 : All : Residential

DATA POSITION FROM

01/01/2011

TO

30/06/2011

PROCESSING DATE

5/04/2012


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)

PERCENTAGE CUM. BAND (q)/(i) (p)/(h) (t)

(u)

1

0.00

50.00

100

100

12.89

12.89

4.24

4.24

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

79

179

10.18

23.07

11.92

16.16

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

85

264

10.95

34.02

32.24

48.39

0.03

0.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

34

298

4.38

38.40

13.80

62.19

0.01

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

60

358

7.73

46.13

39.05

101.24

0.03

0.08

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

54

412

6.96

53.09

41.26

142.50

0.03

0.12

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

25

437

3.22

56.31

28.06

170.55

0.02

0.14

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

37

474

4.77

61.08

59.16

229.71

0.05

0.19

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

39

513

5.03

66.11

93.51

323.22

0.08

0.26

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

21

534

2.71

68.81

69.21

392.43

0.06

0.32

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

548

1.80

70.62

49.84

442.27

0.04

0.36

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

23

571

2.96

73.58

107.03

549.30

0.09

0.44

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

16

587

2.06

75.64

97.14

646.44

0.08

0.52

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

18

605

2.32

77.96

140.22

786.66

0.11

0.63

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

13

618

1.68

79.64

181.18

967.84

0.15

0.78

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

24

642

3.09

82.73

400.16

1,368.01

0.32

1.10

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

35

677

4.51

87.24

1,555.12

2,923.12

1.26

2.36

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

21

698

2.71

89.95

2,077.12

5,000.24

1.68

4.04

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

750

6.70

96.65

17,192.88

22,193.12

13.88

17.91

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

26

776

3.35

100.00

101,693.38

123,886.50

82.09

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

123,886.50

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UP

* ) Multilocation


54






: 2010 : All : Agricultural

DATA POSITION FROM

01/01/2010

TO

30/06/2011 5/04/2012

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

1

1

0.38

0.38

0.00

0.00

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

1

0.00

0.38

0.00

0.00

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

8

9

3.02

3.40

1.14

1.14

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

14

23

5.28

8.68

4.71

5.85

0.02

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

8

31

3.02

11.70

3.57

9.42

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

4

35

1.51

13.21

2.75

12.18

0.01

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

5

40

1.89

15.09

5.33

17.50

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

19

59

7.17

22.26

30.88

48.38

0.15

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

7

66

2.64

24.91

16.10

64.49

0.08

0.31

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

9

75

3.40

28.30

27.95

92.44

0.13

0.44

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

5

80

1.89

30.19

17.07

109.51

0.08

0.53

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

92

4.53

34.72

46.98

156.49

0.23

0.75

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

9

101

3.40

38.11

55.88

212.37

0.27

1.02

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

22

123

8.30

46.42

123.47

335.84

0.59

1.61

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

12

135

4.53

50.94

139.35

475.19

0.67

2.28

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

19

154

7.17

58.11

347.36

822.55

1.67

3.94

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

37

191

13.96

72.08

1,393.17

2,215.72

6.68

10.63

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

30

221

11.32

83.40

2,588.30

4,804.02

12.41

23.04

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

39

260

14.72

98.11

7,563.18

12,367.20

36.27

59.31

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

5

265

1.89

100.00

8,477.41

20,844.61

40.66

99.97

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7.19

20,851.80

0.03

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UP

* ) Multilocation


55


PERCENTAGE CUM. BAND ∑(n) (m)/∑(m)



R ISK & L O SS P R O F IL E U NDE R WR IT ING Y E AR : 2010 P R O VINC E : All O C C U P AT IO N : C ommercial


01/01/2010

TO

30/06/2011


05/04/2012

T able 6.2.2 SU M INSU R E D (B AND) (In Million R p.) B AND FR O M (a)


F ∑(d)

(d)

(e )

TO

(b)

(c)



(g )

rp

RP ∑(h) (i )

(h)



(k )

f

F ∑(l)

(l)

(n )

(m)

(o )

rp

RP ∑(p) (q )

(p)

L O SS R AT IO

P E R C E NT AG E B AND C U M. (q)/∑(q) ∑(r) (r)

(s)


1

0.00

50.00

4,008

4,008

8.37

8.37

173.73

173.73

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

2,357

6,365

4.92

13.29

257.31

431.04

0.07

0.12

1

1

4.00

4.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

4,685

11,050

9.78

23.08

1,016.76

1,447.81

0.27

0.39

0

1

0.00

4.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

3,232

14,282

6.75

29.83

1,153.63

2,601.43

0.31

0.70

1

2

4.00

8.00

14.20

14.20

0.01

0.01

1.23

0.55

5

300.00

500.00

4,745

19,027

9.91

39.74

2,618.26

5,219.69

0.70

1.40

0

2

0.00

8.00

0.00

14.20

0.00

0.01

0.00

0.27

6

500.00

750.00

5,729

24,756

11.97

51.70

4,943.00

10,162.70

1.32

2.72

0

2

0.00

8.00

0.00

14.20

0.00

0.01

0.00

0.14 0.33

7

750.00

1,000.00

4,699

29,455

9.81

61.52

6,126.68

16,289.38

1.64

4.36

1

3

4.00

12.00

39.13

53.33

0.03

0.04

0.64

8

1,000.00

1,500.00

4,926

34,381

10.29

71.81

8,014.85

24,304.23

2.14

6.50

0

3

0.00

12.00

0.00

53.33

0.00

0.04

0.00

0.22

9

1,500.00

2,000.00

2,296

36,677

4.80

76.60

5,227.44

29,531.67

1.40

7.90

4

7

16.00

28.00

565.74

619.07

0.47

0.52

10.82

2.10

10

2,000.00

2,500.00

1,918

38,595

4.01

80.61

5,592.80

35,124.48

1.50

9.40

0

7

0.00

28.00

0.00

619.07

0.00

0.52

0.00

1.76

11

2,500.00

3,000.00

1,072

39,667

2.24

82.84

3,872.60

38,997.07

1.04

10.43

0

7

0.00

28.00

0.00

619.07

0.00

0.52

0.00

1.59

12

3,000.00

4,000.00

1,709

41,376

3.57

86.41

7,738.57

46,735.64

2.07

12.50

0

7

0.00

28.00

0.00

619.07

0.00

0.52

0.00

1.32

13

4,000.00

5,000.00

926

42,302

1.93

88.35

5,346.45

52,082.09

1.43

13.93

0

7

0.00

28.00

0.00

619.07

0.00

0.52

0.00

1.19

14

5,000.00

7,500.00

1,691

43,993

3.53

91.88

13,388.52

65,470.61

3.58

17.52

1

8

4.00

32.00

0.00

619.07

0.00

0.52

0.00

0.95

15

7,500.00

10,000.00

679

44,672

1.42

93.30

7,745.86

73,216.48

2.07

19.59

1

9

4.00

36.00

9.35

628.42

0.01

0.52

0.12

0.86

16

10,000.00

20,000.00

1,350

46,022

2.82

96.12

24,883.93

98,100.41

6.66

26.25

1

10

4.00

40.00

100.00

728.42

0.08

0.61

0.40

0.74

17

20,000.00

50,000.00

977

46,999

2.04

98.16

40,267.64

138,368.04

10.77

37.02

0

10

0.00

40.00

0.00

728.42

0.00

0.61

0.00

0.53

18

50,000.00

100,000.00

423

47,422

0.88

99.04

38,615.18

176,983.22

10.33

47.35

3

13

12.00

52.00

125.30

853.72

0.10

0.71

0.32

0.48

19

100,000.00

500,000.00

382

47,804

0.80

99.84

97,681.19

274,664.42

26.13

73.49

10

23

40.00

92.00

92,188.98

93,042.70

76.79

77.50

94.38

33.88

20

500,000.00

77

47,881

0.16

100.00

91,863.99

366,528.40

24.58

98.06

2

25

8.00

100.00

27,005.00

120,047.70

22.50

100.00

29.40

32.75

7,235.87

373,764.28

1.94

100.00

0

25

0.00

100.00

0.00

120,047.70

0.00

100.00

0.00

32.12

UP

* ) Multilocation


56


P E R C E NT AG E B AND C U M. (m)/∑(m) ∑(n)




: 2010 : All : Industrial

DATA POSITION FROM

01/01/2010

TO

30/06/2011

PROCESSING DATE

5/04/2012


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

290

290

2.75

2.75

7.95

7.95

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

217

507

2.06

4.80

26.87

34.82

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

362

869

3.43

8.23

86.70

121.52

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

310

1,179

2.94

11.17

109.23

230.75

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

628

1,807

5.95

17.12

319.50

550.25

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

527

2,334

4.99

22.12

437.64

987.89

0.03

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

392

2,726

3.71

25.83

467.28

1,455.16

0.03

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

637

3,363

6.04

31.87

1,004.41

2,459.57

0.07

0.17

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

488

3,851

4.62

36.49

1,129.29

3,588.87

0.08

0.25

1

1

33.33

33.33

1,400.00

1,400.00

4.61

4.61

123.97

39.01

10

2,000.00

2,500.00

417

4,268

3.95

40.44

1,215.86

4,804.73

0.08

0.34

0

1

0.00

33.33

0.00

1,400.00

0.00

4.61

0.00

29.14

11

2,500.00

3,000.00

302

4,570

2.86

43.31

1,083.78

5,888.51

0.08

0.41

0

1

0.00

33.33

0.00

1,400.00

0.00

4.61

0.00

23.78

12

3,000.00

4,000.00

457

5,027

4.33

47.64

2,118.87

8,007.37

0.15

0.56

0

1

0.00

33.33

0.00

1,400.00

0.00

4.61

0.00

17.48

13

4,000.00

5,000.00

344

5,371

3.26

50.90

2,017.08

10,024.45

0.14

0.70

0

1

0.00

33.33

0.00

1,400.00

0.00

4.61

0.00

13.97

14

5,000.00

7,500.00

737

6,108

6.98

57.88

5,893.17

15,917.62

0.41

1.11

0

1

0.00

33.33

0.00

1,400.00

0.00

4.61

0.00

8.80

15

7,500.00

10,000.00

431

6,539

4.08

61.96

4,833.31

20,750.93

0.34

1.45

0

1

0.00

33.33

0.00

1,400.00

0.00

4.61

0.00

6.75

16

10,000.00

20,000.00

1,007

7,546

9.54

71.51

18,341.24

39,092.16

1.28

2.73

0

1

0.00

33.33

0.00

1,400.00

0.00

4.61

0.00

3.58

17

20,000.00

50,000.00

1,148

8,694

10.88

82.38

46,378.96

85,471.12

3.24

5.97

0

1

0.00

33.33

0.00

1,400.00

0.00

4.61

0.00

1.64

18

50,000.00

100,000.00

678

9,372

6.42

88.81

58,595.78

144,066.90

4.09

10.06

0

1

0.00

33.33

0.00

1,400.00

0.00

4.61

0.00

0.97

19

100,000.00

500,000.00

861

10,233

8.16

96.97

230,437.72

374,504.62

16.09

26.15

0

1

0.00

33.33

0.00

1,400.00

0.00

4.61

0.00

0.37

20

500,000.00

320

10,553

3.03

100.00

932,388.45

1,306,893.06

65.10

91.25

1

2

33.33

66.67

14,500.00

15,900.00

47.70

52.30

1.56

1.22

125,274.94

1,432,168.00

8.75

100.00

1

3

33.33

100.00

14,500.00

30,400.00

47.70

100.00

11.57

2.12

UP

* ) Multilocation


57





R ISK & L O SS P R O F IL E U NDE R WR IT ING Y E AR : 2010 P R O VINC E : All O C C U P AT IO N : R esidential


01/01/2010

TO

30/06/2011


05/04/2012


L O SS R AT IO



F ∑(d)

(d)

(e )

TO

(b)

(c)



(g )

rp

RP ∑(h) (i )

(h)



(k )

f

F ∑(l)

(l)

(n )

(m)

(o )

rp

RP ∑(p)


(q )

(p)

(r)

(s)


1

0.00

50.00

1,822

1,822

4.21

4.21

258.04

258.04

0.09

0.09

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

3,411

5,233

7.88

12.08

493.04

751.08

0.18

0.27

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

5,437

10,670

12.55

24.64

1,373.37

2,124.45

0.50

0.77

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

4,534

15,204

10.47

35.10

1,629.78

3,754.23

0.59

1.35

1

1

16.67

16.67

19.38

19.38

4.05

4.05

1.19

0.52

5

300.00

500.00

5,934

21,138

13.70

48.80

3,197.33

6,951.56

1.15

2.51

4

5

66.67

83.33

113.70

133.07

23.78

27.84

3.56

1.91

6

500.00

750.00

7,045

28,183

16.27

65.07

6,178.59

13,130.15

2.23

4.74

0

5

0.00

83.33

0.00

133.07

0.00

27.84

0.00

1.01

7

750.00

1,000.00

3,785

31,968

8.74

73.81

4,590.88

17,721.03

1.66

6.39

0

5

0.00

83.33

0.00

133.07

0.00

27.84

0.00

0.75

8

1,000.00

1,500.00

3,567

35,535

8.24

82.04

5,682.06

23,403.08

2.05

8.44

0

5

0.00

83.33

0.00

133.07

0.00

27.84

0.00

0.57

9

1,500.00

2,000.00

1,678

37,213

3.87

85.92

3,725.28

27,128.36

1.34

9.79

0

5

0.00

83.33

0.00

133.07

0.00

27.84

0.00

0.49

10

2,000.00

2,500.00

1,226

38,439

2.83

88.75

3,524.76

30,653.12

1.27

11.06

0

5

0.00

83.33

0.00

133.07

0.00

27.84

0.00

0.43

11

2,500.00

3,000.00

704

39,143

1.63

90.37

2,518.12

33,171.24

0.91

11.97

0

5

0.00

83.33

0.00

133.07

0.00

27.84

0.00

0.40

12

3,000.00

4,000.00

1,007

40,150

2.32

92.70

4,477.40

37,648.64

1.62

13.58

0

5

0.00

83.33

0.00

133.07

0.00

27.84

0.00

0.35

13

4,000.00

5,000.00

561

40,711

1.30

93.99

3,300.31

40,948.95

1.19

14.78

1

6

16.67

100.00

345.00

478.07

72.16

100.00

10.45

1.17

14

5,000.00

7,500.00

786

41,497

1.81

95.81

6,213.91

47,162.86

2.24

17.02

0

6

0.00

100.00

0.00

478.07

0.00

100.00

0.00

1.01

15

7,500.00

10,000.00

395

41,892

0.91

96.72

4,549.17

51,712.03

1.64

18.66

0

6

0.00

100.00

0.00

478.07

0.00

100.00

0.00

0.92

16

10,000.00

20,000.00

632

42,524

1.46

98.18

11,419.13

63,131.15

4.12

22.78

0

6

0.00

100.00

0.00

478.07

0.00

100.00

0.00

0.76

17

20,000.00

50,000.00

348

42,872

0.80

98.98

13,396.43

76,527.58

4.83

27.61

0

6

0.00

100.00

0.00

478.07

0.00

100.00

0.00

0.62

18

50,000.00

100,000.00

154

43,026

0.36

99.34

14,415.48

90,943.06

5.20

32.81

0

6

0.00

100.00

0.00

478.07

0.00

100.00

0.00

0.53

19

100,000.00

500,000.00

235

43,261

0.54

99.88

70,690.78

161,633.84

25.51

58.32

0

6

0.00

100.00

0.00

478.07

0.00

100.00

0.00

0.30

20

500,000.00

51

43,312

0.12

100.00

95,985.65

257,619.49

34.63

92.96

0

6

0.00

100.00

0.00

478.07

0.00

100.00

0.00

0.19

19,523.95

277,143.44

7.04

100.00

0

6

0.00

100.00

0.00

478.07

0.00

100.00

0.00

0.17

UP

* ) Multilocation


58

P E R C E NT AG E C U M. B AND ∑(n) (m)/∑(m)



R ISK & L O SS P R O F IL E DAT A P O SIT IO N FR O M

01/01/2009

TO

30/06/2011


05/04/2012


L O SS R AT IO

U NDE R WR IT ING Y E AR : 2009 P R O VINC E : All O C C U P AT IO N : Ag ricultural

T able 6.3.1 SU M INSU R E D (B AND) (In Million R p.) B AND

(a)

FR O M

TO

(b)

(c)


F ∑(d)

(d)

(e )



(g )

rp

RP ∑(h)

(h)

(i )



(k )

f

F ∑(l)

(l)

(m)

(n )

(o )

RP ∑(p)


(q )

(p)

(r)

(s)


1

0.00

50.00

4

4

1.15

1.15

0.24

0.24

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

6

10

1.72

2.87

0.69

0.94

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

13

23

3.74

6.61

1.47

2.41

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

7

30

2.01

8.62

0.82

3.23

0.00

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

6

36

1.72

10.34

3.37

6.60

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

10

46

2.87

13.22

7.20

13.80

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

56

2.87

16.09

10.48

24.28

0.06

0.15

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

13

69

3.74

19.83

19.32

43.60

0.12

0.26

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

8

77

2.30

22.13

16.49

60.09

0.10

0.36

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

10

87

2.87

25.00

24.20

84.29

0.15

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

6

93

1.72

26.72

17.05

101.34

0.10

0.61

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

16

109

4.60

31.32

64.55

165.89

0.39

1.00

6

6

6.90

6.90

317.20

317.20

0.49

0.49

491.42

191.22

13

4,000.00

5,000.00

19

128

5.46

36.78

106.89

272.77

0.64

1.64

0

6

0.00

6.90

0.00

317.20

0.00

0.49

0.00

116.29

14

5,000.00

7,500.00

41

169

11.78

48.56

216.80

489.57

1.30

2.95

3

9

3.45

10.34

130.49

447.69

0.20

0.69

60.19

91.44

15

7,500.00

10,000.00

16

185

4.60

53.16

165.48

655.06

1.00

3.94

30

39

34.48

44.83

9,961.39

10,409.08

15.29

15.98

6,019.59

1,589.03

16

10,000.00

20,000.00

41

226

11.78

64.94

539.72

1,194.77

3.25

7.19

35

74

40.23

85.06

48,787.69

59,196.77

74.90

90.88

9,039.50

4,954.64

17

20,000.00

50,000.00

53

279

15.23

80.17

1,993.18

3,187.95

12.00

19.19

9

83

10.34

95.40

4,506.21

63,702.98

6.92

97.80

226.08

1,998.24

18

50,000.00

100,000.00

27

306

7.76

87.93

2,075.21

5,263.16

12.49

31.68

4

87

4.60

100.00

1,433.27

65,136.25

2.20

100.00

69.07

1,237.59

19

100,000.00

500,000.00

37

343

10.63

98.56

6,949.86

12,213.02

41.83

73.51

0

87

0.00

100.00

0.00

65,136.25

0.00

100.00

0.00

533.33

20

500,000.00

5

348

1.44

100.00

3,405.17

15,618.19

20.50

94.01

0

87

0.00

100.00

0.00

65,136.25

0.00

100.00

0.00

417.05

995.66

16,613.85

5.99

100.00

0

87

0.00

100.00

0.00

65,136.25

0.00

100.00

0.00

392.06

UP

* ) Multilocation


59


rp





DATA POSITION FROM

01/01/2009

TO

30/06/2011

PROCESSING DATE

5/04/2012


LOSS RATIO


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)


( s)


(u)

1

0.00

50.00

5,388

5,388

9.64

9.64

171.83

171.83

0.04

0.04

70

70

4.76

4.76

2,078.35

2,078.35

0.04

0.04 1,209.55 1,209.55

2

50.00

100.00

2,986

8,374

5.34

14.99

249.68

421.51

0.05

0.09

53

123

3.61

8.37

2,426.43

4,504.78

0.05

0.09

971.81 1,068.73

3

100.00

200.00

5,355

13,729

9.59

24.57

931.37

1,352.88

0.20

0.30

80

203

5.44

13.81

2,191.40

6,696.18

0.04

0.13

235.29

494.96

4

200.00

300.00

3,533

17,262

6.32

30.90

1,032.83

2,385.71

0.23

0.52

96

299

6.53

20.34

7,013.77

13,709.95

0.13

0.26

679.08

574.67

5

300.00

500.00

5,350

22,612

9.58

40.48

2,559.24

4,944.95

0.56

1.08

180

479

12.24

32.59

21,699.22

35,409.17

0.41

0.67

847.88

716.07

6

500.00

750.00

6,456

29,068

11.56

52.03

4,776.49

9,721.43

1.05

2.13

171

650

11.63

44.22

33,754.02

69,163.20

0.64

1.31

706.67

711.45

7

750.00

1,000.00

5,438

34,506

9.73

61.77

5,372.15

15,093.59

1.18

3.31

95

745

6.46

50.68

14,397.05

83,560.24

0.27

1.58

267.99

553.61

8

1,000.00

1,500.00

5,449

39,955

9.75

71.52

7,416.39

22,509.97

1.63

4.93

102

847

6.94

57.62

22,610.91

106,171.15

0.43

2.01

304.88

471.66

9

1,500.00

2,000.00

2,739

42,694

4.90

76.42

5,345.28

27,855.25

1.17

6.11

57

904

3.88

61.50

18,329.04

124,500.19

0.35

2.35

342.90

446.95

10

2,000.00

2,500.00

2,092

44,786

3.74

80.17

5,352.51

33,207.76

1.17

7.28

54

958

3.67

65.17

26,669.41

151,169.59

0.50

2.86

498.26

455.22

11

2,500.00

3,000.00

1,251

46,037

2.24

82.41

3,862.91

37,070.67

0.85

8.13

17

975

1.16

66.33

9,912.12

161,081.71

0.19

3.04

256.60

434.53

12

3,000.00

4,000.00

1,944

47,981

3.48

85.89

7,559.58

44,630.25

1.66

9.78

65

1,040

4.42

70.75

84,363.69

245,445.40

1.59

4.64 1,115.98

549.95

13

4,000.00

5,000.00

1,122

49,103

2.01

87.89

5,629.03

50,259.28

1.23

11.02

36

1,076

2.45

73.20

19,944.98

265,390.39

0.38

5.02

354.32

528.04

14

5,000.00

7,500.00

1,888

50,991

3.38

91.27

12,753.98

63,013.26

2.80

13.81

57

1,133

3.88

77.07

33,536.02

298,926.41

0.63

5.65

262.95

474.39

15

7,500.00

10,000.00

876

51,867

1.57

92.84

8,234.33

71,247.59

1.80

15.62

46

1,179

3.13

80.20

82,263.90

381,190.31

1.55

7.20

999.04

535.02

16

10,000.00

20,000.00

1,657

53,524

2.97

95.81

25,239.44

96,487.03

5.53

21.15

85

1,264

5.78

85.99

433,364.80

814,555.12

8.19

15.40 1,717.01

844.21

17

20,000.00

50,000.00

1,337

54,861

2.39

98.20

44,111.41

140,598.44

9.67

30.82

57

1,321

3.88

89.86

350,312.84

1,164,867.96

6.62

22.02

794.15

828.51

18

50,000.00

100,000.00

489

55,350

0.88

99.08

38,993.94

179,592.38

8.55

39.37

29

1,350

1.97

91.84

31,604.94

1,196,472.90

0.60

22.61

81.05

666.22

19

100,000.00

500,000.00

433

55,783

0.78

99.85

107,222.17

286,814.55

23.50

62.87

95

1,445

6.46

98.30

3,033,691.15

4,230,164.05

57.34

20

500,000.00

83

55,866

0.15

100.00

109,306.73

396,121.27

23.96

86.83

20

1,465

1.36

99.66

732,557.31

4,962,721.35

13.85

93.80

670.19 1,252.83

60,099.88

456,221.15

13.17

100.00

5

1470

0.34

100.00

328,054.47

5,290,775.82

6.20

100.00

545.85 1,159.70

UP

* ) Multilocation


60



79.95 2,829.35 1,474.88

P T . A suransi MA IP A R K Indonesia

RISK & L O SS P RO F IL E U NDE R WR IT ING Y E AR : 2009 P R O VINC E : All O C C U P AT IO N : Industrial


01/01/2009

TO

30/06/2011


05/04/2012


L O SS R AT IO


(a)

FR O M

TO

(b)

(c)

NU MB E R O F R ISKS f

F ∑(d)

(d)

(e )



(g )

rp

RP ∑(h)

(h)

(i )



(k )

f

F ∑(l)

(l)

(m)

(n )

(o )

RP ∑(p)

(p)

(q )


(s)


1

0.00

50.00

415

415

3.60

3.60

70.47

70.47

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

283

698

2.46

6.06

34.00

104.47

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

408

1,106

3.54

9.60

64.45

168.92

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

347

1,453

3.01

12.61

95.79

264.71

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

613

2,066

5.32

17.92

268.60

533.32

0.02

0.04

3

3

8.33

8.33

218.29

218.29

2.26

2.26

81.27

40.93

6

500.00

750.00

651

2,717

5.65

23.57

459.56

992.88

0.04

0.08

0

3

0.00

8.33

0.00

218.29

0.00

2.26

0.00

21.99

7

750.00

1,000.00

432

3,149

3.75

27.32

439.98

1,432.86

0.04

0.12

0

3

0.00

8.33

0.00

218.29

0.00

2.26

0.00

15.23

8

1,000.00

1,500.00

705

3,854

6.12

33.44

957.48

2,390.34

0.08

0.20

0

3

0.00

8.33

0.00

218.29

0.00

2.26

0.00

9.13

9

1,500.00

2,000.00

526

4,380

4.56

38.00

1,012.95

3,403.29

0.08

0.28

5

8

13.89

22.22

1,921.65

2,139.93

19.87

22.13

189.71

62.88

10

2,000.00

2,500.00

459

4,839

3.98

41.98

1,212.55

4,615.85

0.10

0.39

2

10

5.56

27.78

70.49

2,210.42

0.73

22.86

5.81

47.89

11

2,500.00

3,000.00

370

5,209

3.21

45.19

1,144.97

5,760.82

0.10

0.48

3

13

8.33

36.11

415.90

2,626.32

4.30

27.16

36.32

45.59

12

3,000.00

4,000.00

556

5,765

4.82

50.02

2,190.27

7,951.10

0.18

0.67

2

15

5.56

41.67

441.79

3,068.10

4.57

31.73

20.17

38.59

13

4,000.00

5,000.00

360

6,125

3.12

53.14

1,764.60

9,715.69

0.15

0.81

0

15

0.00

41.67

0.00

3,068.10

0.00

31.73

0.00

31.58

14

5,000.00

7,500.00

731

6,856

6.34

59.48

5,037.16

14,752.86

0.42

1.23

1

16

2.78

44.44

13.78

3,081.89

0.14

31.87

0.27

20.89

15

7,500.00

10,000.00

475

7,331

4.12

63.60

4,654.74

19,407.59

0.39

1.62

2

18

5.56

50.00

410.33

3,492.22

4.24

36.11

8.82

17.99

16

10,000.00

20,000.00

1,146

8,477

9.94

73.55

17,993.67

37,401.26

1.51

3.13

7

25

19.44

69.44

2,008.35

5,500.57

20.77

56.88

11.16

14.71

17

20,000.00

50,000.00

1,215

9,692

10.54

84.09

43,167.18

80,568.44

3.61

6.74

1

26

2.78

72.22

67.08

5,567.65

0.69

57.57

0.16

6.91

18

50,000.00

100,000.00

682

10,374

5.92

90.01

53,971.23

134,539.67

4.52

11.26

0

26

0.00

72.22

0.00

5,567.65

0.00

57.57

0.00

4.14

19

100,000.00

500,000.00

856

11,230

7.43

97.43

200,839.68

335,379.35

16.81

28.06

9

35

25.00

97.22

4,002.67

9,570.32

41.39

98.97

1.99

2.85

20

500,000.00

296

11,526

2.57

100.00

681,652.76

1,017,032.11

57.04

85.10

1

36

2.78

100.00

100.00

9,670.32

1.03

100.00

0.01

0.95

178,051.11

1,195,083.22

14.90

100.00

0

36

0.00

100.00

0.00

9,670.32

0.00

100.00

0.00

0.81

UP

* ) Multilocation


61


rp





01/01/2009

TO

30/06/2011


05/04/2012


L O SS R AT IO



F ∑(d)

(d)

(e )

TO

(b)

(c)



(g )

rp

RP ∑(h) (i )

(h)



(k )

f

F ∑(l)

(l)

(n )

(m)

(o )

RP ∑(p) (q )

(p)


(s)


1

0.00

50.00

2,775

2,775

6.75

6.75

483.18

483.18

0.17

0.17

15

15

1.66

1.66

202.98

202.98

0.28

0.28

42.01

42.01

2

50.00

100.00

3,179

5,954

7.73

14.47

516.75

999.93

0.19

0.36

61

76

6.76

8.42

1,131.56

1,334.54

1.55

1.83

218.98

133.46

3

100.00

200.00

5,648

11,602

13.73

28.20

1,357.37

2,357.29

0.49

0.85

163

239

18.05

26.47

2,925.02

4,259.56

4.01

5.84

215.49

180.70

4

200.00

300.00

4,459

16,061

10.84

39.04

1,441.79

3,799.09

0.52

1.36

211

450

23.37

49.83

7,996.39

12,255.94

10.97

16.81

554.61

322.60

5

300.00

500.00

5,716

21,777

13.90

52.94

2,638.80

6,437.88

0.95

2.31

192

642

21.26

71.10

14,265.81

26,521.75

19.57

36.38

540.62

411.96

6

500.00

750.00

5,053

26,830

12.28

65.22

3,662.78

10,100.66

1.31

3.62

120

762

13.29

84.39

14,686.81

41,208.57

20.15

56.52

400.97

407.98

7

750.00

1,000.00

2,479

29,309

6.03

71.25

2,565.92

12,666.58

0.92

4.54

39

801

4.32

88.70

5,144.36

46,352.93

7.06

63.58

200.49

365.95

8

1,000.00

1,500.00

3,490

32,799

8.48

79.73

4,940.10

17,606.68

1.77

6.32

43

844

4.76

93.47

6,939.68

53,292.61

9.52

73.10

140.48

302.68

9

1,500.00

2,000.00

1,801

34,600

4.38

84.11

3,633.99

21,240.67

1.30

7.62

20

864

2.21

95.68

5,524.37

58,816.98

7.58

80.68

152.02

276.91

10

2,000.00

2,500.00

1,209

35,809

2.94

87.05

3,126.57

24,367.24

1.12

8.74

4

868

0.44

96.12

1,654.64

60,471.62

2.27

82.95

52.92

248.17

11

2,500.00

3,000.00

773

36,582

1.88

88.93

2,499.29

26,866.53

0.90

9.64

8

876

0.89

97.01

6,526.80

66,998.42

8.95

91.90

261.15

249.38

12

3,000.00

4,000.00

996

37,578

2.42

91.35

4,058.72

30,925.25

1.46

11.09

4

880

0.44

97.45

375.40

67,373.82

0.51

92.41

9.25

217.86

13

4,000.00

5,000.00

608

38,186

1.48

92.83

3,304.86

34,230.11

1.19

12.28

5

885

0.55

98.01

1,903.30

69,277.12

2.61

95.02

57.59

202.39

14

5,000.00

7,500.00

905

39,091

2.20

95.03

6,520.34

40,750.45

2.34

14.62

3

888

0.33

98.34

831.12

70,108.25

1.14

96.16

12.75

172.04

15

7,500.00

10,000.00

439

39,530

1.07

96.10

4,412.53

45,162.98

1.58

16.20

1

889

0.11

98.45

50.00

70,158.25

0.07

96.23

1.13

155.34

16

10,000.00

20,000.00

725

40,255

1.76

97.86

11,801.17

56,964.15

4.23

20.43

4

893

0.44

98.89

1,719.27

71,877.52

2.36

98.59

14.57

126.18

17

20,000.00

50,000.00

425

40,680

1.03

98.89

15,454.10

72,418.25

5.54

25.98

0

893

0.00

98.89

0.00

71,877.52

0.00

98.59

0.00

99.25

18

50,000.00

100,000.00

152

40,832

0.37

99.26

14,120.75

86,539.00

5.07

31.04

0

893

0.00

98.89

0.00

71,877.52

0.00

98.59

0.00

83.06

19

100,000.00

500,000.00

256

41,088

0.62

99.88

72,022.74

158,561.74

25.83

56.88

2

895

0.22

99.11

507.48

72,385.00

0.70

99.29

0.70

45.65

20

500,000.00

48

41,136

0.12

100.00

75,929.78

234,491.52

27.24

84.11

8

903

0.89

100.00

520.00

72,905.00

0.71

100.00

0.68

31.09

44,294.44

278,785.96

15.89

100.00

0

903

0.00

100.00

0.00

72,905.00

0.00

100.00

0.00

26.15

UP

* ) Multilocation


62


rp



R ISK & L O SS P R O F IL E U NDE R WR IT ING Y E AR : 2008 P R O VINC E : All O C C U P AT IO N : Ag ricultural


01/01/2008

TO

30/06/2011


05/04/2012


(a)

FR O M

TO

(b)

(c)


F ∑(d)

(d)

(e )



(g )

rp

RP ∑(h)

(h)

(i )



(k )

f

F ∑(l)

(l)

(m)

(n )

(o )

rp

RP ∑(p)

(p)

(q )

L O SS R AT IO


(s)


1

0.00

50.00

2

2

0.33

0.33

0.12

0.12

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

5

7

0.83

1.17

0.39

0.50

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

40

47

6.68

7.85

4.30

4.80

0.02

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

22

69

3.67

11.52

5.05

9.85

0.03

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

21

90

3.51

15.03

8.67

18.52

0.05

0.11

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

18

108

3.01

18.03

11.38

29.91

0.07

0.17

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

13

121

2.17

20.20

12.41

42.32

0.07

0.24

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

147

4.34

24.54

37.02

79.34

0.21

0.46

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

16

163

2.67

27.21

31.56

110.90

0.18

0.64

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

20

183

3.34

30.55

51.64

162.55

0.30

0.94

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00 0.00

11

2,500.00

3,000.00

16

199

2.67

33.22

46.21

208.75

0.27

1.20

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00

4,000.00

19

218

3.17

36.39

69.35

278.10

0.40

1.60

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

238

3.34

39.73

96.21

374.32

0.55

2.16

1

1

14.29

14.29

10.00

10.00

0.11

0.11

10.39

2.67

14

5,000.00

7,500.00

54

292

9.02

48.75

356.56

730.88

2.06

4.21

0

1

0.00

14.29

0.00

10.00

0.00

0.11

0.00

1.37

15

7,500.00

10,000.00

38

330

6.34

55.09

316.65

1,047.52

1.83

6.04

2

3

28.57

42.86

787.50

797.50

8.58

8.69

248.70

76.13

16

10,000.00

20,000.00

110

440

18.36

73.46

1,460.22

2,507.74

8.42

14.46

0

3

0.00

42.86

0.00

797.50

0.00

8.69

0.00

31.80

17

20,000.00

50,000.00

82

522

13.69

87.15

2,800.72

5,308.46

16.15

30.60

3

6

42.86

85.71

6,569.15

7,366.65

71.59

80.28

234.55

138.77

18

50,000.00

100,000.00

30

552

5.01

92.15

2,501.29

7,809.75

14.42

45.02

0

6

0.00

85.71

0.00

7,366.65

0.00

80.28

0.00

94.33

19

100,000.00

500,000.00

45

597

7.51

99.67

7,637.73

15,447.49

44.03

89.05

1

7

14.29

100.00

1,810.04

9,176.70

19.72

100.00

23.70

59.41

20

500,000.00

2

599

0.33

100.00

1,873.23

17,320.72

10.80

99.85

0

7

0.00

100.00

0.00

9,176.70

0.00

100.00

0.00

52.98

25.69

17,346.41

0.15

100.00

0

7

0.00

100.00

0.00

9,176.70

0.00

100.00

0.00

52.90

UP

* ) Multilocation


63







DATA POSITION FROM

01/01/2008 6/30/2011

TO PROCESSING DATE

4/5/2012


LOSS RATIO


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)

CLAIM FREQUENCY



( g)

rp

RP ∑(h)

(h)

( i)


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)


( s)


(u)

1

0.00

50.00

10,553

10,553

16.36

16.36

261.88

261.88

0.06

0.06

19

19

2.06

2.06

6,000.67

6,000.67

0.31

0.31 2,291.39 2,291.39

2

50.00

100.00

6,259

16,812

9.70

26.06

405.06

666.93

0.09

0.15

17

36

1.84

3.90

657.69

6,658.36

0.03

0.35

162.37

998.35

3

100.00

200.00

7,378

24,190

11.44

37.50

1,045.49

1,712.43

0.23

0.38

45

81

4.88

8.79

2,748.23

9,406.59

0.14

0.49

262.87

549.31

4

200.00

300.00

4,388

28,578

6.80

44.30

1,187.80

2,900.22

0.26

0.64

50

131

5.42

14.21

20,082.39

29,488.98

1.04

1.53 1,690.73 1,016.78

5

300.00

500.00

5,703

34,281

8.84

53.14

2,631.33

5,531.56

0.58

1.21

68

199

7.38

21.58

7,466.15

36,955.13

0.39

1.92

283.74

668.08

6

500.00

750.00

8,480

42,761

13.15

66.29

6,371.02

11,902.57

1.40

2.61

82

281

8.89

30.48

13,852.61

50,807.74

0.72

2.64

217.43

426.86

7

750.00

1,000.00

4,008

46,769

6.21

72.50

4,113.34

16,015.91

0.90

3.51

27

308

2.93

33.41

5,731.47

56,539.20

0.30

2.94

139.34

353.02

8

1,000.00

1,500.00

4,254

51,023

6.59

79.10

6,220.70

22,236.61

1.36

4.88

68

376

7.38

40.78

16,122.08

72,661.29

0.84

3.77

259.17

326.76

9

1,500.00

2,000.00

2,255

53,278

3.50

82.59

4,554.83

26,791.44

1.00

5.87

42

418

4.56

45.34

21,041.87

93,703.16

1.09

4.87

461.97

349.75

10

2,000.00

2,500.00

1,761

55,039

2.73

85.32

4,589.48

31,380.92

1.01

6.88

37

455

4.01

49.35

30,792.62

124,495.77

1.60

6.47

670.94

396.72

11

2,500.00

3,000.00

1,090

56,129

1.69

87.01

3,552.09

34,933.01

0.78

7.66

27

482

2.93

52.28

20,700.76

145,196.53

1.08

7.54

582.78

415.64

12

3,000.00

4,000.00

1,572

57,701

2.44

89.45

6,225.78

41,158.79

1.37

9.03

43

525

4.66

56.94

31,559.47

176,756.00

1.64

9.18

506.92

429.45

13

4,000.00

5,000.00

997

58,698

1.55

90.99

5,269.34

46,428.13

1.16

10.18

34

559

3.69

60.63

4,286.14

181,042.14

0.22

9.41

81.34

389.94

14

5,000.00

7,500.00

1,569

60,267

2.43

93.43

11,081.20

57,509.33

2.43

12.61

43

602

4.66

65.29

22,089.27

203,131.41

1.15

10.55

199.34

353.21

15

7,500.00

10,000.00

752

61,019

1.17

94.59

7,495.74

65,005.07

1.64

14.25

70

672

7.59

72.89

87,278.14

290,409.55

4.53

15.09 1,164.37

446.75

16

10,000.00

20,000.00

1,432

62,451

2.22

96.81

22,742.03

87,747.10

4.99

19.24

79

751

8.57

81.45

155,942.85

446,352.40

8.10

23.19

685.70

508.68

17

20,000.00

50,000.00

1,113

63,564

1.73

98.54

39,953.56

127,700.65

8.76

28.00

19

770

2.06

83.51

3,932.00

450,284.40

0.20

23.39

9.84

352.61

18

50,000.00

100,000.00

444

64,008

0.69

99.23

37,605.37

165,306.03

8.25

36.25

48

818

5.21

88.72

1,386,122.28

1,836,406.68

72.01

19

100,000.00

500,000.00

424

64,432

0.66

99.88

108,345.49

273,651.52

23.76

60.01

49

867

5.31

94.03

10,293.97

1,846,700.65

0.53

95.94

9.50

20

500,000.00

75

64,507

0.12

100.00

103,847.11

377,498.64

22.77

82.78

50

917

5.42

99.46

48,384.41

1,895,085.06

2.51

98.45

46.59

502.01

78,532.32

456,030.96

17.22

100.00

5

922

0.54

100.00

29,793.04

1,924,878.09

1.55

100.00

37.94

422.09

UP

* ) Multilocation


64



95.40 3,685.97 1,110.91 674.84


R ISK & L O SS P R O F IL E U NDE R WR IT ING Y E AR : 2008 P R O VINC E : All O C C U P AT IO N : Industrial


01/01/2008

TO

30/06/2011


05/04/2012


(a)

FR O M

TO

(b)

(c)


F ∑(d)

(d)

(e )



(g )

rp

RP ∑(h)

(h)

(i )



(k )

f

F ∑(l)

(l)

(m)

(n )

(o )

rp

RP ∑(p)

(p)

(q )

L O SS R AT IO


(s)


1

0.00

50.00

306

306

3.16

3.16

0.21

0.21

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

384

690

3.97

7.13

27.24

27.45

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

330

1,020

3.41

10.54

53.27

80.72

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

302

1,322

3.12

13.65

94.80

175.52

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

403

1,725

4.16

17.82

196.10

371.62

0.02

0.03

1

1

2.86

2.86

25.00

25.00

0.04

0.04

12.75

6.73

6

500.00

750.00

473

2,198

4.89

22.70

362.30

733.93

0.03

0.06

0

1

0.00

2.86

0.00

25.00

0.00

0.04

0.00

3.41

7

750.00

1,000.00

289

2,487

2.98

25.69

319.32

1,053.24

0.03

0.09

0

1

0.00

2.86

0.00

25.00

0.00

0.04

0.00

2.37

8

1,000.00

1,500.00

540

3,027

5.58

31.26

753.40

1,806.64

0.06

0.15

0

1

0.00

2.86

0.00

25.00

0.00

0.04

0.00

1.38

9

1,500.00

2,000.00

432

3,459

4.46

35.73

914.04

2,720.68

0.07

0.22

0

1

0.00

2.86

0.00

25.00

0.00

0.04

0.00

0.92

10

2,000.00

2,500.00

353

3,812

3.65

39.37

945.18

3,665.86

0.08

0.30

0

1

0.00

2.86

0.00

25.00

0.00

0.04

0.00

0.68

11

2,500.00

3,000.00

286

4,098

2.95

42.33

959.47

4,625.33

0.08

0.38

1

2

2.86

5.71

79.89

104.89

0.13

0.16

8.33

2.27

12

3,000.00

4,000.00

436

4,534

4.50

46.83

1,817.46

6,442.79

0.15

0.52

2

4

5.71

11.43

227.12

332.01

0.36

0.52

12.50

5.15

13

4,000.00

5,000.00

334

4,868

3.45

50.28

1,800.86

8,243.64

0.15

0.67

2

6

5.71

17.14

505.29

837.30

0.79

1.31

28.06

10.16

14

5,000.00

7,500.00

678

5,546

7.00

57.28

5,059.96

13,303.61

0.41

1.08

2

8

5.71

22.86

5.66

842.96

0.01

1.32

0.11

6.34

15

7,500.00

10,000.00

422

5,968

4.36

61.64

4,442.68

17,746.29

0.36

1.44

1

9

2.86

25.71

300.00

1,142.96

0.47

1.79

6.75

6.44

16

10,000.00

20,000.00

968

6,936

10.00

71.64

16,513.06

34,259.35

1.34

2.78

3

12

8.57

34.29

1,822.55

2,965.51

2.86

4.65

11.04

8.66

17

20,000.00

50,000.00

1,083

8,019

11.19

82.82

42,499.27

76,758.61

3.45

6.24

5

17

14.29

48.57

1,215.78

4,181.29

1.90

6.55

2.86

5.45

18

50,000.00

100,000.00

652

8,671

6.73

89.56

57,294.04

134,052.65

4.66

10.90

10

27

28.57

77.14

8,673.98

12,855.27

13.59

20.14

15.14

9.59

19

100,000.00

500,000.00

747

9,418

7.72

97.27

193,280.14

327,332.79

15.71

26.60

4

31

11.43

88.57

34,992.27

47,847.54

54.83

74.97

18.10

14.62

20

500,000.00

264

9,682

2.73

100.00

719,795.76

1,047,128.56

58.50

85.11

4

35

11.43

100.00

15,975.65

63,823.19

25.03

100.00

2.22

6.10

183,251.00

1,230,379.56

14.89

100.00

0

35

0.00

100.00

0.00

63,823.19

0.00

100.00

0.00

5.19

UP

* ) Multilocation


65






: 2008 : All : Residential

DATA POSITION FROM

01/01/2008 6/30/2011

TO

4/5/2012

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISKS f

F ∑(d)

PERCENTAGE BAND CUM. (d)/∑(d) ∑(f)

(d)

( e)

( f)

( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)

PERCENTAGE CUM. BAND (q)/(i) (p)/(h) (t)

(u)

1

0.00

50.00

3,906

3,906

10.78

10.78

347.06

347.06

0.16

0.16

2

2

0.71

0.71

5.27

5.27

0.02

0.02

1.52

1.52

2

50.00

100.00

2,459

6,365

6.78

17.56

844.29

1,191.35

0.39

0.55

16

18

5.65

6.36

280.45

285.73

1.06

1.08

33.22

23.98

3

100.00

200.00

4,730

11,095

13.05

30.61

1,395.09

2,586.44

0.65

1.20

48

66

16.96

23.32

520.69

806.42

1.98

3.06

37.32

31.18

4

200.00

300.00

3,983

15,078

10.99

41.60

1,283.16

3,869.60

0.59

1.79

63

129

22.26

45.58

1,289.80

2,096.22

4.89

7.95

100.52

54.17

5

300.00

500.00

5,075

20,153

14.00

55.60

2,413.45

6,283.05

1.12

2.91

55

184

19.43

65.02

2,527.17

4,623.39

9.59

17.54

104.71

73.59

6

500.00

750.00

4,302

24,455

11.87

67.47

3,309.03

9,592.08

1.53

4.44

32

216

11.31

76.33

6,683.82

11,307.21

25.35

42.89

201.99

117.88

7

750.00

1,000.00

2,026

26,481

5.59

73.06

2,171.63

11,763.71

1.01

5.45

13

229

4.59

80.92

4,106.90

15,414.11

15.58

58.47

189.12

131.03

8

1,000.00

1,500.00

2,735

29,216

7.55

80.61

4,098.60

15,862.31

1.90

7.35

14

243

4.95

85.87

1,699.89

17,114.00

6.45

64.92

41.47

107.89

9

1,500.00

2,000.00

1,484

30,700

4.09

84.70

3,101.59

18,963.90

1.44

8.78

3

246

1.06

86.93

919.85

18,033.84

3.49

68.41

29.66

95.10

10

2,000.00

2,500.00

979

31,679

2.70

87.40

2,679.88

21,643.78

1.24

10.02

2

248

0.71

87.63

1,314.24

19,348.08

4.99

73.39

49.04

89.39

11

2,500.00

3,000.00

635

32,314

1.75

89.16

2,119.89

23,763.67

0.98

11.01

1

249

0.35

87.99

4.55

19,352.63

0.02

73.41

0.21

81.44

12

3,000.00

4,000.00

828

33,142

2.28

91.44

3,576.80

27,340.47

1.66

12.66

11

260

3.89

91.87

2,683.63

22,036.26

10.18

83.59

75.03

80.60

13

4,000.00

5,000.00

548

33,690

1.51

92.95

3,118.40

30,458.86

1.44

14.11

2

262

0.71

92.58

3,755.27

25,791.53

14.25

97.84

120.42

84.68

14

5,000.00

7,500.00

723

34,413

1.99

94.95

5,324.57

35,783.43

2.47

16.57

2

264

0.71

93.29

152.24

25,943.76

0.58

98.41

2.86

72.50

15

7,500.00

10,000.00

518

34,931

1.43

96.38

5,562.78

41,346.21

2.58

19.15

4

268

1.41

94.70

8.94

25,952.70

0.03

98.45

0.16

62.77

16

10,000.00

20,000.00

564

35,495

1.56

97.93

9,424.18

50,770.39

4.36

23.51

2

270

0.71

95.41

59.50

26,012.20

0.23

98.67

0.63

51.23

17

20,000.00

50,000.00

350

35,845

0.97

98.90

13,869.75

64,640.15

6.42

29.94

9

279

3.18

98.59

296.21

26,308.41

1.12

99.80

2.14

40.70

18

50,000.00

100,000.00

141

35,986

0.39

99.29

13,409.13

78,049.27

6.21

36.15

0

279

0.00

98.59

0.00

26,308.41

0.00

99.80

0.00

33.71

19

100,000.00

500,000.00

219

36,205

0.60

99.89

66,759.25

144,808.52

30.92

67.06

1

280

0.35

98.94

9.10

26,317.51

0.03

99.83

0.01

18.17

20

500,000.00

39

36,244

0.11

100.00

60,625.28

205,433.80

28.08

95.14

3

283

1.06

100.00

44.30

26,361.81

0.17

100.00

0.07

12.83

10,499.44

215,933.25

4.86

100.00

0

283

0.00

100.00

0.00

26,361.81

0.00

100.00

0.00

12.21

UP

* ) Multilocation


66





R ISK & L O SS P R O F IL E U NDE R WR IT ING Y E AR : 2007 P R O VINC E : All O C C U P AT IO N : Ag ricultural


01/01/2007

TO

30/06/2011


05/04/2012


(a)

FR O M

TO

(b)

(c)


F ∑(d)

(d)

(e )



(g )

rp

RP ∑(h)

(h)

(i )



(k )

f

F ∑(l)

(l)

(m)

(n )

(o )

rp

RP ∑(p)

(p)

(q )

L O SS R AT IO


(s)


1

0.00

50.00

1

1

0.24

0.24

0.05

0.05

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

7

8

1.70

1.94

0.50

0.55

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

14

22

3.40

5.34

0.98

1.53

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

10

32

2.43

7.77

1.45

2.98

0.01

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

11

43

2.67

10.44

4.55

7.53

0.05

0.08

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

17

60

4.13

14.56

11.80

19.33

0.12

0.19

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

14

74

3.40

17.96

14.39

33.72

0.14

0.34

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

10

84

2.43

20.39

14.19

47.91

0.14

0.48

1

1

50.00

50.00

6.25

6.25

5.88

5.88

44.03

13.04

9

1,500.00

2,000.00

12

96

2.91

23.30

24.66

72.58

0.25

0.73

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

8.61

10

2,000.00

2,500.00

4

100

0.97

24.27

10.00

82.58

0.10

0.83

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

7.57

11

2,500.00

3,000.00

9

109

2.18

26.46

29.97

112.56

0.30

1.13

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

5.55

12

3,000.00

4,000.00

17

126

4.13

30.58

66.03

178.58

0.66

1.80

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

3.50

13

4,000.00

5,000.00

13

139

3.16

33.74

61.94

240.53

0.62

2.42

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

2.60

14

5,000.00

7,500.00

43

182

10.44

44.17

253.61

494.14

2.55

4.97

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

1.26

15

7,500.00

10,000.00

21

203

5.10

49.27

188.17

682.31

1.89

6.86

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

0.92

16

10,000.00

20,000.00

79

282

19.17

68.45

1,114.34

1,796.66

11.20

18.06

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

0.35

17

20,000.00

50,000.00

62

344

15.05

83.50

1,947.75

3,744.41

19.58

37.64

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

0.17

18

50,000.00

100,000.00

43

387

10.44

93.93

2,306.15

6,050.56

23.18

60.82

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

0.10

19

100,000.00

500,000.00

25

412

6.07

100.00

3,898.41

9,948.97

39.18

100.00

0

1

0.00

50.00

0.00

6.25

0.00

5.88

0.00

0.06

20

500,000.00

0

412

0.00

100.00

UP

* ) Multilocation

0.00

9,948.97

0.00

100.00

1

2

50.00

100.00

100.00

106.25

94.12

100.00

0.00

1.07

0.00

9,948.97

0.00

100.00

0

2

0.00

100.00

0.00

106.25

0.00

100.00

0.00

1.07


67







DATA POSITION FROM

01/01/2007

TO

30/06/2011

PROCESSING DATE

5/04/2012


LOSS RATIO


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)

( n)

( o)

rp

RP ∑(p)

(p)

( q)


( s)


(u)

1

0.00

50.00

3,308

3,308

8.42

8.42

75.65

75.65

0.02

0.02

3

3

1.26

1.26

62.89

62.89

0.06

0.06

83.13

83.13

2

50.00

100.00

1,940

5,248

4.94

13.35

188.29

263.95

0.05

0.07

3

6

1.26

2.51

42.95

105.84

0.04

0.10

22.81

40.10

3

100.00

200.00

4,182

9,430

10.64

23.99

894.10

1,158.05

0.23

0.29

4

10

1.67

4.18

66.00

171.84

0.06

0.17

7.38

14.84

4

200.00

300.00

2,931

12,361

7.46

31.44

837.86

1,995.91

0.21

0.51

12

22

5.02

9.21

355.57

527.41

0.34

0.51

42.44

26.42

5

300.00

500.00

4,319

16,680

10.99

42.43

1,988.69

3,984.60

0.50

1.01

38

60

15.90

25.10

1,348.62

1,876.03

1.30

1.80

67.81

47.08

6

500.00

750.00

4,367

21,047

11.11

53.54

3,199.00

7,183.60

0.81

1.82

17

77

7.11

32.22

1,230.47

3,106.50

1.18

2.99

38.46

43.24

7

750.00

1,000.00

2,364

23,411

6.01

59.55

2,378.05

9,561.65

0.60

2.42

18

95

7.53

39.75

401.66

3,508.16

0.39

3.37

16.89

36.69

8

1,000.00

1,500.00

3,609

27,020

9.18

68.74

5,058.15

14,619.81

1.28

3.71

31

126

12.97

52.72

1,004.55

4,512.70

0.97

4.34

19.86

30.87

9

1,500.00

2,000.00

2,022

29,042

5.14

73.88

3,972.14

18,591.95

1.01

4.71

12

138

5.02

57.74

1,309.59

5,822.29

1.26

5.60

32.97

31.32

10

2,000.00

2,500.00

1,548

30,590

3.94

77.82

3,956.22

22,548.16

1.00

5.72

9

147

3.77

61.51

529.88

6,352.17

0.51

6.11

13.39

28.17

11

2,500.00

3,000.00

962

31,552

2.45

80.26

3,046.27

25,594.43

0.77

6.49

7

154

2.93

64.44

1,099.87

7,452.05

1.06

7.17

36.11

29.12

12

3,000.00

4,000.00

1,444

32,996

3.67

83.94

5,906.96

31,501.39

1.50

7.99

10

164

4.18

68.62

3,021.17

10,473.22

2.90

10.07

51.15

33.25

13

4,000.00

5,000.00

906

33,902

2.30

86.24

4,663.14

36,164.53

1.18

9.17

10

174

4.18

72.80

1,426.21

11,899.42

1.37

11.44

30.58

32.90

14

5,000.00

7,500.00

1,468

35,370

3.73

89.98

10,248.74

46,413.27

2.60

11.77

9

183

3.77

76.57

2,622.23

14,521.65

2.52

13.96

25.59

31.29

15

7,500.00

10,000.00

788

36,158

2.00

91.98

7,781.28

54,194.56

1.97

13.74

1

184

0.42

76.99

37.93

14,559.58

0.04

14.00

0.49

26.87

16

10,000.00

20,000.00

1,237

37,395

3.15

95.13

19,818.49

74,013.04

5.02

18.76

6

190

2.51

79.50

2,164.05

16,723.63

2.08

16.08

10.92

22.60

17

20,000.00

50,000.00

1,061

38,456

2.70

97.83

37,836.15

111,849.19

9.59

28.36

10

200

4.18

83.68

4,500.75

21,224.38

4.33

20.41

11.90

18.98

18

50,000.00

100,000.00

417

38,873

1.06

98.89

34,316.49

146,165.67

8.70

37.06

11

211

4.60

88.28

3,364.78

24,589.16

3.24

23.64

9.81

16.82

19

100,000.00

500,000.00

375

39,248

0.95

99.84

98,358.68

244,524.35

24.94

61.99

18

229

7.53

95.82

3,584.59

28,173.75

3.45

27.09

3.64

11.52

20

500,000.00

62

39,310

0.16

100.00

73,272.08

317,796.43

18.58

80.57

7

236

2.93

98.74

50,444.66

78,618.41

48.50

75.59

68.85

24.74

76,658.49

394,454.91

19.43

100.00

3

239

1.26

100.00

25,387.40

104,005.81

24.41

100.00

33.12

26.37

UP

* ) Multilocation


68




R ISK & L O SS P R O F IL E U NDE R WR IT ING Y E AR : 2007 P R O VINC E : All O C C U P AT IO N : Industrial


01/01/2007

TO

30/06/2011


05/04/2012


L O SS R AT IO



FR O M (a)

F ∑(d)

TO

(b)

(c)

(e )

(d)



(g )

rp

RP ∑(h)

P E R C E NT AG E B AND C U M. (i)/∑(i) ∑(j)

(i )

(h)


(j )

(k )

f

F ∑(l)

(l)

(n )

(m)

(o )

rp

RP ∑(p)


(q )

(p)

(r)

(s)


1

0.00

50.00

296

296

2.53

2.53

-32.12

-32.12

(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

494

790

4.22

6.75

43.50

11.38

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

759

1,549

6.48

13.23

141.27

152.64

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

402

1,951

3.43

16.67

118.96

271.60

0.01

0.02

1

1

3.45

3.45

35.00

35.00

0.04

0.04

29.42

12.89

5

300.00

500.00

510

2,461

4.36

21.03

231.40

503.00

0.02

0.04

0

1

0.00

3.45

0.00

35.00

0.00

0.04

0.00

6.96

6

500.00

750.00

655

3,116

5.60

26.62

459.51

962.51

0.04

0.07

3

4

10.34

13.79

389.53

424.53

0.44

0.48

84.77

44.11

7

750.00

1,000.00

421

3,537

3.60

30.22

457.51

1,420.02

0.04

0.11

1

5

3.45

17.24

20.00

444.53

0.02

0.50

4.37

31.30

8

1,000.00

1,500.00

1,761

5,298

15.05

45.27

1,397.10

2,817.12

0.11

0.22

0

5

0.00

17.24

0.00

444.53

0.00

0.50

0.00

15.78

9

1,500.00

2,000.00

433

5,731

3.70

48.97

879.59

3,696.71

0.07

0.28

0

5

0.00

17.24

0.00

444.53

0.00

0.50

0.00

12.03

10

2,000.00

2,500.00

384

6,115

3.28

52.25

988.52

4,685.22

0.08

0.36

0

5

0.00

17.24

0.00

444.53

0.00

0.50

0.00

9.49

11

2,500.00

3,000.00

295

6,410

2.52

54.77

937.72

5,622.95

0.07

0.43

0

5

0.00

17.24

0.00

444.53

0.00

0.50

0.00

7.91

12

3,000.00

4,000.00

405

6,815

3.46

58.23

1,611.57

7,234.52

0.12

0.56

0

5

0.00

17.24

0.00

444.53

0.00

0.50

0.00

6.14

13

4,000.00

5,000.00

314

7,129

2.68

60.91

1,733.70

8,968.23

0.13

0.69

0

5

0.00

17.24

0.00

444.53

0.00

0.50

0.00

4.96

14

5,000.00

7,500.00

623

7,752

5.32

66.23

4,332.59

13,300.82

0.33

1.02

0

5

0.00

17.24

0.00

444.53

0.00

0.50

0.00

3.34

15

7,500.00

10,000.00

414

8,166

3.54

69.77

4,107.26

17,408.08

0.32

1.34

0

5

0.00

17.24

0.00

444.53

0.00

0.50

0.00

2.55

16

10,000.00

20,000.00

955

9,121

8.16

77.93

15,661.08

33,069.16

1.20

2.54

3

8

10.34

27.59

19.49

464.02

0.02

0.52

0.12

1.40

17

20,000.00

50,000.00

1,038

10,159

8.87

86.80

37,733.65

70,802.81

2.90

5.45

13

21

44.83

72.41

9,024.10

9,488.12

10.19

10.72

23.92

13.40

18

50,000.00

100,000.00

626

10,785

5.35

92.15

50,777.90

121,580.70

3.91

9.35

3

24

10.34

82.76

2,670.52

12,158.64

3.02

13.74

5.26

10.00

19

100,000.00

500,000.00

664

11,449

5.67

97.82

159,852.68

281,433.39

12.29

21.64

2

26

6.90

89.66

1,357.41

13,516.05

1.53

15.27

0.85

4.80

20

500,000.00

255

11,704

2.18

100.00

776,369.42

1,057,802.81

59.71

81.35

2

28

6.90

96.55

50,000.00

63,516.05

56.49

71.76

6.44

6.00

242,512.88

1,300,315.68

18.65

100.00

1

29

3.45

100.00

25,000.00

88,516.05

28.24

100.00

10.31

6.81

UP

* ) Multilocation


69






01/01/2007

TO

30/06/2011


05/04/2012


L O SS R AT IO



F ∑(d)

(d)

(e )

TO

(b)

(c)



(g )

rp

RP ∑(h) (i )

(h)



(k )

f

F ∑(l)

(l)

(n )

(m)

(o )

rp

RP ∑(p)


(q )

(p)

(r)

(s)


1

0.00

50.00

3,221

3,221

10.20

10.20

207.08

207.08

0.13

0.13

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

1,756

4,977

5.56

15.76

213.69

420.77

0.14

0.27

2

2

1.92

1.92

23.39

23.39

0.04

0.04

10.95

5.56

3

100.00

200.00

4,013

8,990

12.71

28.46

708.20

1,128.97

0.46

0.74

15

17

14.42

16.35

189.56

212.95

0.34

0.38

26.77

18.86

4

200.00

300.00

3,627

12,617

11.48

39.95

1,040.01

2,168.98

0.68

1.41

15

32

14.42

30.77

250.94

463.89

0.45

0.83

24.13

21.39

5

300.00

500.00

4,665

17,282

14.77

54.72

2,128.72

4,297.70

1.39

2.80

26

58

25.00

55.77

824.01

1,287.90

1.48

2.31

38.71

29.97

6

500.00

750.00

3,925

21,207

12.43

67.14

2,923.40

7,221.10

1.91

4.71

21

79

20.19

75.96

335.27

1,623.17

0.60

2.91

11.47

22.48

7

750.00

1,000.00

1,815

23,022

5.75

72.89

1,908.77

9,129.87

1.24

5.95

6

85

5.77

81.73

198.87

1,822.04

0.36

3.27

10.42

19.96

8

1,000.00

1,500.00

2,613

25,635

8.27

81.16

3,828.52

12,958.40

2.49

8.44

2

87

1.92

83.65

88.38

1,910.42

0.16

3.43

2.31

14.74

9

1,500.00

2,000.00

1,289

26,924

4.08

85.24

2,633.61

15,592.00

1.72

10.16

3

90

2.88

86.54

119.33

2,029.75

0.21

3.64

4.53

13.02

10

2,000.00

2,500.00

835

27,759

2.64

87.89

2,194.49

17,786.49

1.43

11.59

3

93

2.88

89.42

249.00

2,278.75

0.45

4.09

11.35

12.81

11

2,500.00

3,000.00

564

28,323

1.79

89.67

1,847.31

19,633.80

1.20

12.79

1

94

0.96

90.38

12.70

2,291.45

0.02

4.11

0.69

11.67

12

3,000.00

4,000.00

725

29,048

2.30

91.97

2,923.12

22,556.92

1.90

14.70

0

94

0.00

90.38

0.00

2,291.45

0.00

4.11

0.00

10.16

13

4,000.00

5,000.00

481

29,529

1.52

93.49

2,528.57

25,085.49

1.65

16.35

1

95

0.96

91.35

5.45

2,296.90

0.01

4.12

0.22

9.16

14

5,000.00

7,500.00

613

30,142

1.94

95.43

4,391.10

29,476.59

2.86

19.21

2

97

1.92

93.27

10.54

2,307.43

0.02

4.14

0.24

7.83

15

7,500.00

10,000.00

434

30,576

1.37

96.81

4,299.84

33,776.43

2.80

22.01

0

97

0.00

93.27

0.00

2,307.43

0.00

4.14

0.00

6.83

16

10,000.00

20,000.00

429

31,005

1.36

98.16

6,976.19

40,752.63

4.55

26.56

2

99

1.92

95.19

102.97

2,410.40

0.18

4.33

1.48

5.91

17

20,000.00

50,000.00

253

31,258

0.80

98.96

8,788.08

49,540.71

5.73

32.28

0

99

0.00

95.19

0.00

2,410.40

0.00

4.33

0.00

4.87

18

50,000.00

100,000.00

130

31,388

0.41

99.38

11,958.74

61,499.45

7.79

40.08

0

99

0.00

95.19

0.00

2,410.40

0.00

4.33

0.00

3.92

19

100,000.00

500,000.00

164

31,552

0.52

99.90

45,992.52

107,491.97

29.97

70.05

4

103

3.85

99.04

284.26

2,694.67

0.51

4.84

0.62

2.51

20

500,000.00

33

31,585

0.10

100.00

40,757.58

148,249.55

26.56

96.61

1

104

0.96

100.00

53,000.00

55,694.67

95.16

100.00

130.04

37.57

5,205.78

153,455.33

3.39

100.00

0

104

0.00

100.00

0.00

55,694.67

0.00

100.00

0.00

36.29

UP

* ) Multilocation


70



GLOSSARIES 1.

2.

OCCUPATION A

-

AGRICULTURAL

C

-

COMMERCIAL

I

-

INDUSTRIAL

R

-

RESIDENTIAL

ZONES (BASED ON CRESTA) 1.1

-

Banda Aceh

1.2

-

Medan

1.3

-

Others

1

-

North Sumatera

2.1

-

Padang

2.2

-

Palembang

2.3

-

Others

2

-

South Sumatera

3.1

-

DKI Jakarta

3.2

-

Bandung

3.3

-

Others

3

-

DKI & West java

:

:

3.

4.1

-

Semarang

4.2

-

Yogyakarta

4.3

-

Others

4

-

DIY & Central Java

5.1

-

Surabaya

5.2

-

Others

5

-

East Java

6

-

Kalimantan

7.1

-

Ujung Pandang

7.2

-

Others

7

-

Sulawesi

8

-

Other Islands

f

:

Frequencies

F

:

Accumulations of frequencies

Cum :

4.

Cumulative (increasing in amount by one addition after another)

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

5.

Sum Insured The Sum Insured represents 100% Sum Insured

6.

Gross Premium Gross Premium represent 100% premium

7.

Loss Ratio The percentage ratio of Incurred claims to Gross Premium

Lampiran 1 / Attachment 1

TARIF ASURANSI GEMPA BUMI TAHUN 2010

Tariff in %o (mil)

DEFINISI COMMERCIAL AND INDUSTRIAL

:

Obyek selain okupasi dwelling house (kode okupasi selain 2976)

• Steel Frame

:

struktur bangunan rangkanya

yang

menggunakan

Baja

sebagai

• Wood

:

struktur bangunan rangkanya

yang

menggunakan

kayu

sebagai

• 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

:

Obyek dengan kode okupasi 2976

• Steel, Wood or RC : Frame

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

Catatan:

:

Basement diperhitungkan dalam menentukan jumlah lantai bangunan bertingkat


FIRST LOSS SCALE


TARIP 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


Indemnity Period Scale Indemnity Period

Prosentase besarnya Suku Premi atas Tarif PRGBI

1 bulan 20% x 100% rate 2 bulan 30% x 100% rate 3 bulan 40% x 100% rate 4 bulan 50% x 100% rate 6 bulan 60% x 100% rate 9 bulan 80% x 100% rate 12 bulan 100% x 100% rate 15 bulan 96% x 100% rate 18 bulan 93% x 100% rate 21 bulan 91.5% x 100% rate 24 bulan 90% x 100% rate 30 bulan 87% x 100% rate 36 bulan 85% x 100% rate 48 bulan 83% x 100% rate Lebih dari 48 bulan ditetapkan Komite Teknik dan / atau Managers PRGBI.

Kata Pengantar Foreword

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