PT REASURANSI MAIPARK INDONESIA

INDONESIAN EARTHQUAKE INSURANCE STATISTIC AS AT 30 JUNE 2014

PT REASURANSI MAIPARK INDONESIA 1

Kata Pengantar Foreword

Dengan Hormat,

Dear Sir / Madam,

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

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

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

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

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

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

Hormat kami,

Sincerely,

Dr. Frans Y. Sahusilawane President Director

i

Daftar Isi Content Hal.

Page

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

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

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

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

Informasi Statistik .................................................v

Statistic Information ............................................ v

s Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2014 ................................................

Statistic Overview of Indonesian Earthquake Insurance June 2014 ..............................................

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

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

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

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

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

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

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

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

E. Incurred Claim ............................................ 4

E. Incurred Claim ............................................ 4

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

Indonesian Earthquake Insurance Exposure ......

Tabel 2.1. Exposure Per Cresta Zone ............. 9

Table 2.1. Exposure By Cresta Zone .............. 9

Tabel 2.2. Exposure Per Okupasi ................... 11

Table 2.2. Exposure By Occupation .............. 11

Tabel 2.3. Exposure Per Interest.................... 13

Table 2.3. Exposure By Interest .................... 13

Tabel 2.4. Exposure Per Provinsi ................... 15

Table 2.4. Exposure By Province .................. 15

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

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

Tabel 3.1. Gross Premium Per Cresta Zone .. 16

Table 3.1. Gross Premium By Cresta Zone ... 16

Tabel 3.2. Gross Premium Per Okupasi ......... 18

Table 3.2. Gross Premium By Occupation .... 18

Tabel 3.3. Gross Premium Per Provinsi ......... 20

Table 3.3. Gross Premium By Province ......... 20

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

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

Tabel 4.1. Jumlah Risiko Per Cresta Zone ..... 21

Table 4.1. Number of Risk By Cresta Zone ... 21

Tabel 4.2. Jumlah Risiko Per Okupasi ............ 23

Table 4.2. Number of Risk By Occupation .... 23

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

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

Tabel 5.1. Klaim Frekwensi Per Okupasi ....... 25

Table 5.1. Claim Frequency By Occupation .. 25

Tabel 5.2. Klaim Frekwensi Per Cresta Zone . 27

Table 5.2. Claim Frequency By Cresta Zone .. 27

Tabel 5.3. Klaim Per Okupasi ........................ 29

Table 5.3. Claim By Occupation . .................. 29

Tabel 5.4. Klaim Per Cresta Zone .................. 31

Table 5.4 Claim By Cresta Zone ............................ 31

ii

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

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

Underwriting Year 2010 - 2014, Seluruh Okupasi ........................................... 33

Underwriting Year 2010 - 2014, All Occupation .............................................. 33

Underwriting Year 2014, Seluruh Okupasi ... 34

Underwriting Year 2014, All Occupation ..... 34









Profil Risiko dan Klaim Underwriting Year 2014 Per Okupasi ...................................................

Risk and Loss Profile Underwriting Year 2014 By Occupation …...........................................

Okupasi Agrikultural ..................................... 39

Agricultural Occupation ................................ 39

Okupasi Komersial ........................................ 40

Commercial Occupation ............................... 40

Okupasi Industrial ........................................ 41

Industrial Occupation ................................... 41

Okupasi Residensial ...................................... 42

Residential Occupation ................................ 42






Commercial Occupation ............................... 44


Industrial Occupation ................................... 45


Residential Occupation ................................ 46






Commercial Occupation ................................ 48


Industrial Occupation.................................... 49


Residential Occupation ................................. 50









Okupasi Residensial ..........................................54

Residential Occupation ..................................... 54

iii


Risk and Loss Profile Underwriting Year 2010 By Occupation ..............................................



Okupasi Komersial......................................... 56


Okupasi Industrial ......................................... 57


Okupasi Residential ....................................... 58

Residential Occupation ................................. 58

Peta

Map

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 30 Juni 2014 …….. ..................................................................... 59

Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2014, as at 30 June 2014 .................................................................... 59

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2014 …… .................................................60

Indonesian Earthquake Distribution M > 5 and Claim Incurred 2014 …………………………..….. .......... 60

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 30 Juni 2014, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY 2014…………………….... 61

Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2014, as at 30 June 2014 , Indonesian Earthquake Distribution M > 5 and Claim Incurred 2014 . 61

Damage Ratio ……………….. ........................ 62

Damage Ratio ……………….. ............................ 62

Ulasan Aktuaria……………………………….………. 64

Actuarial Commentary ……..…………….………. 64

Lampiran

Attachments

1.

Daftar Istilah ..........................................69

1.

Glossaries .............................................. 69

2.

Tarif Asuransi Gempa Bumi Indonesia …. ................................................................71

2.

Indonesian Earthquake Insurance Tariff ...................................................... 71

3.

Skala First Loss .......................................73

3.

First Loss Scale ...................................... 73

4.

Tabel jangka Waktu Pertanggungan Kurang Dari Satu Tahun ........................74

4.

Short Period Table Less Than One Year Period .................................................... 74

5.

Skala Indemnity Period ..........................75

5.

Indemnity Period Scale .......................... 75

6.

Tabel Cresta Zone dan Zona ………………..76

6.

Cresta Zone and Zone Table…………………76

Referensi

Reference

1. 2.

1. 2.

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

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

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

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

iv

Informasi Statistik Statistic Information

1.

Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 30 Juni 2014.

1.

Statistic Report is based on Underwriting Year basis, which is recorded as at 30 June 2014.

2.

Sesi Limit 2.1. Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut: 2.1.1 Untuk daerah Jawa Barat, Banten dan DKI:  5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2010, 2011 dan 2012.  5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25,000,000,000.00 (dua puluh lima miliar Rupiah) atau yang setara dengan USD 2,631,578.00 (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis

2.

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

For West Java, Banten and DKI:  5% (five percent) of the total sum insured, being a maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2010, 2011 and 2012. 

v

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

2.1.2

2.1.3

Untuk Underwriting Year 2013. Untuk daerah Indonesia lainnya:  25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2010, 2011 dan 2012.  25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25,000,000,000.00 (dua puluh lima miliar Rupiah) atau yang setara dengan USD 2,631,578.00 (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2013. Terhitung sejak 1 Januari 2014 Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah 15% (lima belas prosen) dari jumlah seluruh pertanggungan (total sum insured)

2.1.2. For other Indonesia areas: 

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



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

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

vi

maksimum USD 3,500,000.00 (tiga juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2014.

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

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

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

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

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

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

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

vii

3.

Tarif Premi Asuransi Gempa Bumi Indonesia

3.

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

Earthquake

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

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

4.2

Indonesian Standard Premium Tariff

4.

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

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

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

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

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

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5.

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

5.

ix

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

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2014 Statistic Overview of Indonesia Earthquake Insurance June 2014 A. Umum

A. General

Berdasarkan data Badan Pusat Statistik,

Based on Central of Statistics Bureau Data,

Perekonomian Indonesia pada triwulan II-2014

Indonesian economic in second quarter 2014 as

sebagaimana diukur dari Produk Domestik

measured by Gross Domestic Product (GDP)

Bruto

2,47%

increased by 2.47 % compared with first quarter

dibandingkan triwulan I-2014 (q-to-q). Nilai

2014 (q-to-q). Gross Domestic Product (GDP)

Produk Domestik Bruto (PDB) Indonesia atas

based on Constant Price 2000 in second quarter

dasar harga konstan 2000 pada triwulan II-2014

2014 reached the amount of Rp. 724.1 trillion

mencapai Rp. 724,1 triliun sedangkan pada

while in first quarter 2014 was Rp. 706.7 trillion.

triwulan I-2014 sebesar Rp. 706,7 triliun. Bila

If it is based on Current Market Price, GDP in

dilihat berdasarkan harga berlaku, PDB triwulan

second quarter 2014 was Rp. 2,480.8 trillion

II-2014 adalah sebesar Rp. 2.480,8 triliun

while in first quarter 2014 was Rp. 2,404.0

sedangkan triwulan I-2014 adalah Rp. 2.404,0

trillion.

(PDB),

tumbuh

sebesar

triliun. B. Struktur Pasar

B. Market Structure

Berdasarkan data Otoritas Jasa Keuangan

Based on Financial Services Authority data

pada buku Direktori Perasuransian Indonesia

in the book of Indonesian Insurance Directory

2013:

NonBank

2013: NonBank Financial Institution Insurance,

perusahaan

there are 82 general insurers having operating

Industri

Perasuransian,

Keuangan terdapat

82

asuransi umum yang memiliki izin beroperasi di

licenses in Indonesia.

Indonesia. C. Premi Bruto

C. Gross Premium

Sampai dengan 30 Juni 2014, premi bruto

As at 30 June 2014, earthquake gross

asuransi gempa bumi Underwriting Year 2010

premium for Underwriting Year 2010 was Rp.

adalah sebesar Rp. 2.117,0 miliar. Premi bruto

2,117.0 billion. Gross premium for Underwriting

untuk Underwriting Year 2011 tercatat

Year 2011 was recorded

1

Rp.

2.814,5

miliar,

sedangkan

untuk

Rp. 2,814.5 billion, while for Underwriting Year

Underwriting Year 2012 adalah Rp. 2.642,1

2012 was Rp. 2,642.1 billion. For Underwriting

miliar. Untuk Underwriting Year 2013 dan 2014

Year 2013 and 2014 were Rp. 3,668.1 billion

adalah Rp. 3.668,1 miliar dan Rp. 516,4 miliar.

and Rp. 516.4 billion. These figures would

Angka – angka ini akan terus bergerak naik

certainly increase especially for Underwriting

terutama untuk Underwriting Year 2013 dan

Year 2013 and 2014.

2014. Tabel 1.1 di bawah ini menyajikan rincian

The table 1.1 below shows the details of

premi bruto berdasarkan jenis okupasi dari

gross premium based on occupation from

Underwriting Year 2010 hingga Underwriting

Underwriting Year 2010 to Underwriting Year

Year 2014. Prosentase okupasi Industrial selalu

2014. Industrial occupation always has the

berada pada posisi pendapatan tertinggi

biggest percentage income compared to 3

dibanding 3 (tiga) okupasi lainnya (Agrikultural,

(three) remaining occupations (Agricultural,

Komersial, Residensial), yaitu di atas 52% dari

Commercial, Residential), that is above 52%

total premi.

from premium total.

Meskipun okupasi Komersial, Residensial

Although

occupation

of

Commercial,

dan Agrikultural tidak memberikan kontribusi

Residential and Agricultural do not contribute

premi sebesar okupasi Industrial, namun ketiga

premium as much as Industrial occupation,

okupasi tersebut memperlihatkan pertumbuhan

those three occupation show significant

premi yang cukup signifikan. Hal ini terlihat

premium growth. In this case, the premium

terutama pada premi okupasi Komersial pada

under Commercial occupation in Underwriting

Underwriting Year 2011 yang meningkat

Year 2011 increased by 72.81% from Rp.

sebesar 72,81% dari Rp. 434.867,35 juta di

434,867.35 million in Underwriting Year 2010 to

Underwriting Year 2010 menjadi Rp. 751.510,36

Rp. 751,510.36 million.

juta.

Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2014 Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2014 Dalam Jutaan Rupiah In Million Rupiah

Underwriting Year

Okupasi Total Agrikultural / Agricultural

Komersial / Commercial

Industri / Industrial

Residensial / Residential

2010

20,834.91

0.98%

434,867.35

20.54%

1,298,239.11

61.32%

363,102.65

17.15%

2,117,044.01

2011

23,897.32

0.85%

751,510.36

26.70%

1,696,606.14

60.28%

342,435.36

12.17%

2,814,449.18

2012

29,417.83

1.11%

640,941.40

24.26%

1,626,955.35

61.58%

344,745.14

13.05%

2,642,059.72

2013

30,249.21

0.82%

1,299,163.03

35.42%

1,936,516.72

52.79%

402,150.84

10.96%

3,668,079.80

2014

5,076.33

0.98%

139,781.96

27.07%

280,452.09

54.31%

91,091.67

17.64%

T OT AL

109,475.60

3,266,264.10

6,838,769.40

2

1,543,525.66

516,402.03 11,758,034.75

D. Number of Risks

D. Jumlah Risiko Tabel 1.2 di bawah ini menyajikan jumlah

Table 1.2 below shows the number of risks

risiko pada Underwriting Year 2010 hingga

from Underwriting Year 2010 to Underwriting

Underwriting Year 2014 yang tercatat sampai

Year 2014 recorded until 30 June 2014.

dengan 30 Juni 2014.

Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2014 Table 1.2 Number of Risk By Occupation as at 30 June 2014 Okupasi

U/Y 2010

Occupation

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

Jumlah / Total

%

Jumlah / Total

%

Jumlah / Total

%

Jumlah / Total

%

Jumlah / Total

%

Agricultural / Agricultural

A

441

0.27

379

0.23

420

0.24

437

0.25

71

0.23


C

83,090

50.49

91,401

55.09

94,290

54.80

94,194

52.91

12,988

41.59

Industrial / Industrial

I

13,867

8.43

14,995

9.04

16,282

9.46

17,166

9.64

2,373

7.60


R

67,168

40.82

59,127

35.64

61,077

35.50

66,245

37.21

15,796

50.58

164,566

100.00

165,902

100.00

172,069

100.00

178,042

100.00

31,228

100.00

Jumlah / Total

Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2014 Graph 1.1 Number of Risks by Occupation as at 30 June 2014

3

Jumlah Underwriting

risiko Year,

terbesar dalam

untuk hal

setiap

ini

The highest number of risks for each

dari

Underwriting

Year,

in

this

case

from

Underwriting Year 2010 sampai dengan

Underwriting Year 2010 to Underwriting Year

Underwriting Year 2014 ada pada okupasi

2014, is under Commercial occupation, which is

Komersial, yaitu selalu berada pada rasio di atas

always on the ratio above 41% from the total

41% dari total risiko. Kemudian diikuti oleh

risk. Then, it is followed by Residential

okupasi Residensial dengan rasio di atas 35%.

occupation with ratio above 35%.

Jika terdapat asosiasi antara kontribusi

If there is any association between the

premi dengan banyaknya risiko maka belum

premium contribution and the number of risks

tentu asosiasi tersebut berbentuk linear dan

then the association is not necessarily linear nor

positif. Hal ini dibuktikan dengan apabila melihat

positive. This is proved which the highest gross

dari premi bruto tertinggi berada di okupasi

premium is on the industrial occupation while the

industrial sedangkan banyak risiko tertinggi

highest

berada pada okupasi komersial.

occupation.

E. Incurred Claim

E. Incurred Claim

total risk

is under commercial

Berdasarkan tabel 1.3 di bawah ini frekuensi

Based on table 1.3 below, the highest

klaim gempa bumi paling banyak terjadi di

earthquake claim frequency occurred in

Underwriting Year 2011 yaitu sebanyak 94 klaim

underwriting year 2011 was 94 claims and it

dan didominasi okupasi Komersial sebanyak 67

dominated by Commercial occupation of 67

klaim. Hal ini disebabkan oleh kejadian gempa

claims. It was caused by Earthquakes in 2011

bumi di 2011 yaitu Gempa Bumi Nusa Dua pada

namely Nusa Dua Earthquake on 13 October

tanggal 13 Oktober 2011 dengan kekuatan 6,8

2011 with a magnitude of 6.8 S.R and Sibolga

S.R dan Gempa Bumi Sibolga pada tanggal 6

Earthquake on 6 November 2011 with a

November 2011 dengan kekuatan 6,7 S.R.

magnitude of 6.7 S.R.

4

Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2014 Table 1.3 Claim Frequency By Occupation as at 30 June 2014

Okupasi

Underwriting Year

Occupation

2010

2011

2012

2013

2014

Agrikultural / Agricultural

A

0

0

0

0

0


C

43

67

14

23

1


I

1

0

0

4

0


R

9

27

1

5

0

53

94

15

32

1

Jumlah / Total

Berdasarkan Tabel 1.4 dan grafik di bawah

Based on table 1.4 and graph below it can

ini terlihat bahwa untuk frekwensi klaim tinggi

be seen that the high frequency claims lies in

berada pada Total Incurred Claim yang relative

relatively small Total Claim Incurred, while low

kecil, sedangkan untuk frekwensi klaim kecil

frequency claims lies in relatively big Total Claim

berada pada Total Incurred Claim yang relative

Incurred.

besar. Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 2013 Per 30 Juni 2014 Table 1.4 Frequency Incurred Claim Underwriting Year 2013 as at 30 June 2014 *) Dalam Rupiah *) In Rupiah

Incurred Claim (BAND) *)

Frekwensi

Total Incurred Claim

Claim Incurred (BAND)*)

Frequency

Total Claim Incurred

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

-

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

16 2 1 3 0 1 0 4 1 0 0 0 1 0 1 0 1 0 1 0 32

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

411,809,547 200,000,000 150,000,000 850,000,000 0 580,550,000 0 4,973,575,000 1,600,000,000 0 0 0 4,296,070,000 0 8,000,000,000 0 34,833,000,000 0 242,000,000,000 0 297,895,004,547

25,738,097 100,000,000 150,000,000 283,333,333 0 580,550,000 0 1,243,393,750 1,600,000,000 0 0 0 4,296,070,000 0 8,000,000,000 0 34,833,000,000 0 242,000,000,000 0

5

Highest Claim Incurred 50,000,000 100,000,000 150,000,000 300,000,000 0 580,550,000 0 1,451,375,000 1,600,000,000 0 0 0 4,296,070,000 0 8,000,000,000 0 34,833,000,000 0 242,000,000,000 0

Lowest Claim Incurred 3,997,822 100,000,000 150,000,000 250,000,000 0 580,550,000 0 1,161,100,000 1,600,000,000 0 0 0 4,296,070,000 0 8,000,000,000 0 34,833,000,000 0 242,000,000,000 0

Dengan melihat tabel 1.5 tampak bahwa

Looking at table 1.5 below, it shows that the

jumlah klaim terbesar berada pada Underwriting

largest claim is in the Underwriting Year 2013.

Year 2013. Klaim yang terbesar adalah pada

The largest claim is under Commercial

okupasi Komersial, yaitu 98,90% dari total klaim

occupation that is 98.90% of the total claim in

di Underwriting Year 2013 atau sebesar Rp.

Underwriting Year 2013 or Rp. 294.6 billion.

294,6 miliar. Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2014 Table 1.5 Claim Amount By Occupation as at 30 June 2014 Dalam Rupiah In Rupiah

Underwriting Year Okupasi

2010

Occupation

Jumlah / Amount

Agrikultural / Agricultural A Komersial / Commercial

C


I

Residensial / Residential R

Jumlah / Total

2011 %

2012

Jumlah / Amount

%

2013

Jumlah / Amount

%

Jumlah / Amount

2014 %

Jumlah / Amount

%

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

42,467,094,914.28

97.40

15,983,627,307.09

97.66

1,670,541,980.54

97.09

294,622,986,325.04

98.90

104,499,000.00

0.00

760,224,542.70

1.74

0.00

0.00

0.00

0.00

3,188,073,400.00

1.07

0.00

0.00

371,785,430.40

0.85

383,658,539.04

2.34

50,000,000.00

2.91

83,944,822.00

0.03

0.00

0.00

43,599,104,887.38

100.00

16,367,285,846.13

100.00

1,720,541,980.54

100.00

297,895,004,547.04

100.00

104,499,000.00

0.00

Tabel 1.6 di bawah ini menyajikan kejadian

Table 1.6 below shows earthquake events

Gempa Bumi Tahun 2014 dan Incurred Claim

occurred in 2014 and the corresponding

sampai dengan 30 Juni 2014.

incurred claims as at 30 June 2014. 6

Tabel 1.6 Kejadian Gempa Bumi Tahun 2014 dan Klaim per 30 Juni 2014 Table 1.6 Earthquak e Event in 2014 and Claim as at 30 June 2014 Dalam Rupiah In Rupiah

Kejadian Event

Tanggal Kejadian Date of Loss

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

Cilacap

25-Jan-14

6.5

36,698,400.00

Palu

23-Feb-14

5.3

50,000,000.00

Lombok Utara

6-Mar-14

5.3

35,000,000.00

Kuta

9-Mar-14

4.4

104,499,000.00

Yogya

2-Apr-14

4.2

10,000,000.00

Tabel 1.7 di bawah ini menyajikan klaim

Klaim Claim

Table 1.7 shows Cilacap, Palu, Lombok

untuk event Cilacap, Palu, Lombok Utara, Kuta

Utara, Kuta and Yogya events by occupation.

dan Yogya perjenis okupasi. Tabel 1.7 Kejadian Gempa Bumi Tahun 2014 dan Klaim per Okupasi per 30 Juni 2014 Table 1.7 Earthquak e Event in 2014 and Claim per Occupation as at 30 June 2014 Okupasi Occupation Kejadian Event

Frekwensi


Jumlah (Dalam Rupiah)

Frequency

Amount (In Rupiah)

Agrikultural /

Komersial /

Industrial /

Agricultural

Commercial

Industrial

Residential

Residensial / Agrikultural / Agricultural

Komersial /

Industrial /

Residensial /

Commercial

Industrial

Residential

Cilacap

25-Jan-14

0

0

1

0

0.00

0.00

36,698,400.00

Palu

23-Feb-14

0

1

0

0

0.00

50,000,000.00

0.00

0.00

Lombok Utara

06-Mar-14

0

0

0

1

0.00

0.00

0.00

35,000,000.00

Kuta

09-Mar-14

0

1

0

0

0.00

104,499,000.00

0.00

0.00

Yogya

02-Apr-14

0

0

0

1

0.00

0.00

0.00

10,000,000.00

Tabel di bawah ini adalah daftar klaim

0.00

The table below is a list of the largest claims

terbesar sampai dengan tanggal 30 Juni 2014.

as at 30 June 2014.

Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2014 List of The Largest Claims as at 30 June 2014 Dalam Rupiah In Rupiah

No.

Kejadian Event


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

Klaim Claim

1

ACEH

26-12-2004

9

812,531,992,962.94

2

YOGYA

27-05-2006

5.9

261,067,865,988.43

3

PADANG

06-03-2007

5.8

33,482,652,620.21

4

BENGKULU

12-09-2007

7.9

52,757,464,875.50

5

PADANG

16-08-2009

6.9

42,969,561,630.00

6

TASIKMALAYA

02-09-2009

7.3

24,411,146,816.57

7

PARIAMAN

30-09-2009

7.6

1,082,789,656,414.36

8

BIMA

09-11-2009

6.7

36,740,765,185.48

9

MERAPI

25-10-2010

- *)

27,532,644,656.40

KELUD

13-02-2014

- *)

75,355,862,685.16

10

*) Penyebab terkait letusan gunung berapi Caused b y volcanic eruption

7

Tabel 1.8 menyajikan data jumlah polis dan

Table 1.8 shows number of policies, and

loss ratio per 30 Juni 2014. Tabel tersebut

loss ratio as at 30 June 2014. The table show

menunjukkan bahwa loss ratio tertinggi berada

that the biggest loss ratio was at Underwriting

pada Underwriting Year 2013 sebesar 8,12%.

Year 2013 i.e. 8.12%. It was influenced by large

Hal ini dipengaruhi oleh nilai klaim yang cukup

amount of claim that majority resulting from

tinggi yang mayoritas disebabkan dari Erupsi

Kelud Eruption in 2014.

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

Jumlah Polis

Premi *)

Frekwensi Klaim

Jumlah Klaim *)

Year

Number of Policies

Premium *)

Claim Frequency

Incurred Claim *)

2010

164,566

2,117,044,012,810.82

53

43,599,104,887.38

2.06%

2011

165,902

2,814,449,181,708.95

94

16,367,285,846.13

0.58%

2012

172,069

2,642,059,720,893.20

15

1,720,541,980.54

0.07%

2013

178,042

3,668,079,803,888.25

32

297,895,004,547.04

8.12%

2014

31,228

516,402,034,085.37

1

104,499,000.00

0.02%

Tabel 1.9 menyajikan Premi dan Exposure

Loss Ratio

Table 1.9 shows Premium and Exposure as

per 30 Juni 2014.

at 30 June 2014.

Tabel 1.9 Premi dan Exposure per 30 Juni 2014 Table 1.9 Premium and Exposure as at 30 June 2014 Dalam Jutaan Rupiah In Million Rupiah

Premi

Exposure

Premium

Exposure

2010

2,117,044.01

1,671,822,278.51

2011

2,814,449.18

2,149,612,107.32

2012

2,642,059.72

1,933,305,915.05

2013

3,668,079.80

2,257,649,447.10

2014

516,402.03

334,095,139.79

T OT AL

11,758,034.75

8,346,484,887.76

Underwriting Year

8

9

National Aggregate Exposure By Cresta Zone As at 30 June 2014 (In Billion IDR) 78,767.01

117,237.82

246,339.59

276,077.48

912,760.85

1,056,923.07

133,587.55

100,835.89

78,288.01 388,001.76

64,977.14

59,741.08

122,855.10

49,510.18

1,076,527.81

63,745.78 171,483.37

109,507.36 136,908.19

70,089.36 55,339.71

UY 2010

UY 2012

149,629.40

153,581.43

UY 2011

146,947.15 225,317.26

31,744.09

89,826.18 48,002.38

28,015.05

206,542.22

10,760.73

1,166,017.11

5,220.57 314,092.14 23,885.77

16,226.02 11,700.69

94,296.70

173,150.53

UY 2014

UY 2013

10

82,025.36

National Aggregate Exposure By Occupation As At 30/06/2014 in IDR

Tab le 2.2

U/Y 2010

Occupation

Amount

U/Y 2011 %

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

%

AGRICULTURAL

A

17,597,981,439,651.60

1.05

20,170,306,793,199.60

0.94

23,542,660,772,030.10

1.22

22,588,615,880,250.30

1.00

3,640,675,405,383.70

1.09

COMMERCIAL

C

314,285,201,730,157.00

18.80

538,804,317,165,311.00

25.07

449,953,181,486,063.00

23.27

715,120,198,911,239.00

31.68

90,090,368,953,183.00

26.97

INDUSTRIAL

I

1,067,486,693,222,900.00

63.85

1,358,133,871,343,410.00

63.18

1,230,494,001,647,220.00

63.65

1,258,608,763,318,360.00

55.75

179,722,946,527,158.00

53.79

RESIDENTIAL

R

272,452,402,117,589.00

16.30

232,503,612,013,752.00

10.82

229,316,071,142,404.00

11.86

261,331,868,987,842.00

11.58

60,641,148,907,762.00

18.15

1,671,822,278,510,300.00

100.00

2,149,612,107,315,680.00

100.00

1,933,305,915,047,720.00

100.00

2,257,649,447,097,690.00

100.00

334,095,139,793,487.00

100.00

T OT AL

11

National Aggregate Exposure By Occupation As at 30 June 2014 ( In Billion IDR ) Industrial, 1,230,494.00

Residential, 272,452.40

Industrial, 1,067,486.69

Commercial, 314,285.20




Agricultural, 23,542.66

Agricultural, 17,597.98


UY 2012

UY 2010 Agricultural, 20,170.31


UY 2011


Industrial, 179,722.95



Commercial, 715,120.20 Agricultural, 22,588.62

Residential, 60,641.15 Agricultural, 3,640.68

UY 2013

UY 2014

12

National Aggregate Exposure By Interest As At 30/06/2014 Tab le 2.3

Interest

In IDR

U/Y 2010 Amount

U/Y 2011 %

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

%

Building

766,323,031,478,762.00

45.84

958,952,320,517,249.00

44.61

813,597,060,964,444.00

42.08

875,654,711,894,177.00

38.79

137,806,242,820,760.00

41.25

Machinery

374,247,720,350,657.00

22.39

431,910,647,264,879.00

20.09

386,829,714,970,512.00

20.01

419,204,437,799,247.00

18.57

81,420,857,544,051.40

24.37

Others

183,196,390,863,109.00

10.96

253,960,014,233,086.00

11.81

267,993,289,264,982.00

13.86

249,970,526,086,436.00

11.07

36,724,727,949,484.30

10.99

Stock

217,202,240,939,453.00

12.99

284,736,399,680,773.00

13.25

282,414,612,321,442.00

14.61

301,818,539,667,059.00

13.37

39,922,680,892,512.00

11.95

Bussiness Interruption

130,852,894,878,316.00

7.83

220,052,725,619,690.00

10.24

182,471,237,526,342.00

9.44

411,001,231,650,772.00

18.20

38,220,630,586,679.30

11.44

1,671,822,278,510,300.00

100.00

2,149,612,107,315,680.00

100.00

1,933,305,915,047,720.00

100.00

2,257,649,447,097,690.00

100.00

334,095,139,793,487.00

100.00

T OT AL

13

14

National Aggregate Exposure By Province As At 30/06/2014 Tab le 2.4

In IDR Province

U/Y 2010 Amount

U/Y 2011 %

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

%

01. NAD

46,014,656,466,409.00

2.75

61,526,298,867,310.90

2.86

8,219,191,535,830.92

0.43

8,657,894,667,394.81

0.38

388,461,776,087.00

0.12

02. SUMATERA UTARA

63,492,704,289,425.90

3.80

88,103,099,105,864.50

4.10

73,806,170,362,320.50

3.82

85,638,801,017,781.40

3.79

11,312,230,870,002.30

3.39

03. SUMATERA BARAT

22,408,712,992,181.50

1.34

23,105,952,213,792.50

1.07

26,363,203,666,357.40

1.36

25,565,290,908,149.50

1.13

3,282,129,569,683.01

0.98

04. RIAU

32,775,423,381,286.80

1.96

34,791,909,269,754.20

1.62

33,062,861,223,310.40

1.71

39,344,180,940,997.50

1.74

3,900,494,723,556.70

1.17

05. JAMBI

5,229,365,051,921.28

0.31

8,124,393,638,051.55

0.38

10,586,717,823,055.30

0.55

11,572,987,881,086.00

0.51

843,443,179,494.66

0.25

37,906,109,822,304.80

2.27

30,246,743,077,797.60

1.41

40,443,792,678,176.50

2.09

37,383,888,221,654.20

1.66

4,105,864,569,772.88

1.23

07. BENGKULU

3,089,385,866,017.82

0.18

4,060,846,922,435.66

0.19

4,425,982,619,602.10

0.23

4,683,955,568,334.02

0.21

554,917,045,297.44

0.17

08. LAMPUNG

16,664,884,556,586.80

1.00

27,537,241,664,501.00

1.28

27,922,645,241,676.80

1.44

24,815,745,423,351.00

1.10

4,642,425,837,349.00

1.39

3,336,058,201,436.26

0.20

3,041,959,885,166.98

0.14

3,766,494,350,619.56

0.19

4,323,717,622,534.58

0.19

519,246,489,535.00

0.16

15,498,254,822,537.40

0.93

22,672,378,996,463.70

1.05

24,911,675,328,181.00

1.29

25,460,767,645,941.30

1.13

6,037,245,191,083.66

1.81

11. JAKARTA

304,756,716,572,425.00

18.23

464,729,545,545,751.00

21.62

398,433,156,994,847.00

20.61

411,273,012,619,130.00

18.22

88,795,034,701,311.70

26.58

12. JAWA BARAT

06. SUMATERA SELATAN

09. KEP BANGKA-BELITUNG 10. KEPULAUAN RIAU

395,957,149,459,645.00

23.68

400,831,045,348,688.00

18.65

443,646,335,086,515.00

22.95

484,858,802,315,439.00

21.48

89,483,696,763,088.50

26.78

13. JAWA TENGAH

68,286,066,186,836.40

4.08

121,732,458,384,954.00

5.66

105,788,881,561,521.00

5.47

135,896,067,870,056.00

6.02

30,158,982,685,472.20

9.03

14. DIY

10,480,946,388,166.00

0.63

11,855,086,649,440.00

0.55

11,448,943,382,857.50

0.59

11,051,081,303,511.10

0.49

1,585,108,954,719.28

0.47

15. JAWA TIMUR

246,339,591,641,754.00

14.73

388,001,761,834,246.00

18.05

276,077,481,416,394.00

14.28

225,317,259,410,943.00

9.98

28,015,054,145,031.00

8.39

16. BANTEN

212,046,981,005,415.00

12.68

210,967,223,342,734.00

9.81

214,843,575,998,148.00

11.11

269,885,296,028,156.00

11.95

28,263,484,664,314.80

8.46

39,388,712,490,115.70

2.36

43,316,415,011,336.20

2.02

50,010,055,282,199.80

2.59

300,227,427,739,942.00

13.30

13,349,128,347,537.10

4.00

2,915,151,771,130.72

0.17

3,077,047,054,149.34

0.14

3,813,414,732,349.74

0.20

4,285,337,143,641.03

0.19

648,129,115,473.82

0.19

862,786,991,135.17

0.05

1,617,483,032,767.29

0.08

2,088,622,521,224.96

0.11

1,618,804,194,625.98

0.07

320,124,799,529.00

0.10

4,184,375,704,375.67

0.25

6,929,074,391,744.74

0.32

6,065,948,015,497.96

0.31

6,763,187,719,518.86

0.30

2,448,711,148,795.00

0.73

21. KALIMANTAN TENGAH

11,726,628,849,876.80

0.70

12,228,074,133,229.00

0.57

11,765,790,853,477.80

0.61

15,151,288,957,510.70

0.67

350,935,911,751.00

0.11

22. KALIMANTAN SELATAN

14,511,411,705,943.40

0.87

28,152,720,447,496.90

1.31

14,512,702,524,618.20

0.75

22,680,655,770,796.40

1.00

889,884,168,596.35

0.27

23. KALIMANTAN TIMUR

47,865,592,184,896.00

2.86

75,545,227,879,790.50

3.51

68,491,445,984,180.50

3.54

45,231,043,535,971.80

2.00

7,071,196,633,625.18

2.12

24. SULAWESI UTARA

8,853,717,870,986.23

0.53

20,477,589,638,098.30

0.95

11,198,321,917,073.00

0.58

13,830,552,500,509.60

0.61

1,063,784,018,807.44

0.32

25. SULAWESI TENGAH

1,344,987,489,172.88

0.08

2,234,731,075,451.70

0.10

2,107,382,104,725.89

0.11

3,804,080,216,610.84

0.17

1,136,668,617,694.00

0.34

26. SULAWESI SELATAN

16,691,786,994,777.90

1.00

24,508,761,077,872.60

1.14

26,785,161,368,098.00

1.39

25,828,151,433,575.30

1.14

2,338,086,113,612.16

0.70

27. SULAWESI TENGGARA

18,974,413,466,606.60

1.13

9,114,059,975,615.48

0.42

9,617,896,396,134.42

0.50

1,379,121,680,431.13

0.06

348,917,474,481.00

0.10

28. GORONTALO

12,013,778,366,240.30

0.72

12,801,202,449,629.60

0.60

14,148,963,626,765.70

0.73

1,884,122,579,624.28

0.08

102,720,216,573.56

0.03

1,862,398,413,709.09

0.11

953,016,177,663.56

0.04

1,119,410,365,004.47

0.06

1,276,355,221,056.22

0.06

230,397,172,355.00

0.07

30. MALUKU

959,192,107,230.57

0.06

1,012,162,473,294.66

0.05

1,288,360,897,793.45

0.07

1,524,424,062,133.85

0.07

458,689,348,192.78

0.14

31. MALUKU UTARA

431,793,359,211.90

0.03

599,254,266,006.82

0.03

750,191,487,535.22

0.04

523,207,755,002.43

0.02

52,837,009,316.00

0.02

32. PAPUA BARAT

1,739,199,010,115.30

0.10

2,191,055,888,141.29

0.10

2,224,546,806,875.95

0.12

2,460,298,033,072.42

0.11

193,744,409,850.75

0.06

33. PAPUA

3,213,345,030,423.17

0.19

3,526,287,596,439.34

0.16

3,570,590,894,753.55

0.18

3,452,639,109,210.77

0.15

1,203,364,121,497.66

0.36

1,671,822,278,510,300.00

100.00

2,149,612,107,315,680.00

100.00

1,933,305,915,047,720.00

100.00

2,257,649,447,097,690.00

100.00

334,095,139,793,487.00

100.00

17. BALI 18. NUSA TENGGARA BARAT 19. NUSA TENGGARA TIMUR 20. KALIMANTAN BARAT

29. SULAWESI BARAT

T OT AL

15

National Gross Premium By Cresta Zone As At 30/06/2014 Tab le 3.1

in IDR U/Y 2010

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

Cresta Zone Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

BANDA ACEH

1.1

6,051,202,306.20

0.29

7,255,283,677.40

0.26

7,217,130,639.61

0.27

8,064,414,983.79

0.22

128,123,880.40

0.02

MEDAN

1.2

47,667,398,482.72

2.25

54,387,933,253.55

1.93

48,758,683,489.33

1.85

62,475,890,001.05

1.70

10,185,619,213.58

1.97

OTHERS

1.3

84,301,175,986.81

3.98

132,337,111,203.50

4.70

50,987,310,123.12

1.93

67,759,734,133.78

1.85

5,774,619,366.74

1.12

NORTH SUMATERA

1

138,019,776,775.73

6.52

193,980,328,134.45

6.89

106,963,124,252.06

4.05

138,300,039,118.62

3.77

16,088,362,460.72

3.12

PADANG

2.1

32,778,827,007.39

1.55

29,733,272,807.48

1.06

34,733,032,230.79

1.31

33,533,118,380.03

0.91

4,780,388,125.64

0.93

PALEMBANG

2.2

19,390,704,938.80

0.92

14,169,847,116.46

0.50

17,791,272,888.51

0.67

22,764,550,588.40

0.62

1,255,104,876.62

0.24

OTHERS

2.3

108,788,904,846.87

5.14

136,324,650,645.14

4.84

155,081,262,840.26

5.87

172,314,773,732.44

4.70

25,785,468,556.50

4.99

SOUTH SUMATERA

2

160,958,436,793.06

7.60

180,227,770,569.08

6.40

207,605,567,959.56

7.86

228,612,442,700.87

6.23

31,820,961,558.76

6.16

JAKARTA

3.1

433,818,985,672.09

20.49

670,156,787,867.45

23.81

596,985,432,606.53

22.60

664,806,669,534.37

18.12

144,706,234,079.80

28.02

BANDUNG

3.2

8,241,042,107.75

0.39

9,916,805,917.11

0.35

16,352,973,918.24

0.62

14,225,832,253.14

0.39

1,632,818,716.39

0.32

OTHERS

3.3

778,934,960,280.93

36.79

833,355,355,391.74

29.61

939,454,125,683.71

35.56

1,245,084,318,664.98

33.94

192,374,641,490.25

37.25

WEST JAVA

3

1,220,994,988,060.77

57.67

1,513,428,949,176.30

53.77

1,552,792,532,208.48

58.77

1,924,116,820,452.49

52.46

338,713,694,286.44

65.59

SEMARANG

4.1

11,636,480,141.95

0.55

7,986,696,304.55

0.28

8,676,772,272.95

0.33

8,639,208,618.40

0.24

432,553,916.36

0.08

YOGYAKARTA

4.2

13,009,093,100.49

0.61

15,336,936,026.90

0.54

14,048,280,739.43

0.53

12,818,006,312.11

0.35

1,865,666,132.72

0.36

OTHERS

4.3

71,914,369,548.34

3.40

146,331,935,568.04

5.20

125,982,703,079.71

4.77

179,996,766,871.00

4.91

42,728,582,387.61

8.27

CENTRAL JAVA

4

96,559,942,790.78

4.56

169,655,567,899.49

6.03

148,707,756,092.09

5.63

201,453,981,801.51

5.49

45,026,802,436.69

8.72

SURABAYA

5.1

111,164,896,190.21

5.25

110,714,413,945.02

3.93

64,214,285,845.06

2.43

47,970,222,630.99

1.31

15,738,607,398.87

3.05

OTHERS

5.2

175,299,933,945.79

8.28

360,650,643,884.43

12.81

279,128,826,802.61

10.56

263,539,900,580.43

7.18

23,945,737,536.38

4.64

EAST JAVA

5

286,464,830,136.00

13.53

471,365,057,829.45

16.75

343,343,112,647.67

13.00

311,510,123,211.42

8.49

39,684,344,935.25

7.68

KALIMANTAN

6

68,410,654,079.24

3.23

103,407,876,118.94

3.67

93,213,381,606.30

3.53

92,158,298,045.49

2.51

11,080,980,035.08

2.15

UJUNG PANDANG

7.1

8,854,097,129.22

0.42

9,478,899,975.48

0.34

10,183,304,334.64

0.39

12,861,527,180.42

0.35

1,473,466,332.51

0.29

OTHERS

7.2

67,392,876,480.87

3.18

93,697,205,587.52

3.33

83,490,696,200.03

3.16

55,247,203,199.89

1.51

5,942,846,320.09

1.15

SULAWESI

7

76,246,973,610.09

3.60

103,176,105,563.00

3.67

93,674,000,534.67

3.55

68,108,730,380.31

1.86

7,416,312,652.60

1.44

OTHER ISLANDS

8

69,388,410,565.18

3.28

79,207,526,418.25

2.81

95,760,245,592.37

3.62

703,819,368,177.51

19.19

26,570,575,719.83

5.15

2,117,044,012,810.85

100.00

2,814,449,181,708.96

100.00

2,642,059,720,893.20

100.00

3,668,079,803,888.22

100.00

516,402,034,085.37

100.00

T OT AL

16

National Gross Premium By Cresta Zone As at 30 June 2014 (in Billion IDR) 148.71

160.96 343.34 138.02

1,513.43

1,220.99

93.21 69.39 93.67 1,552.79

76.25

95.76 68.41

180.23 106.96

169.66 193.98 286.46

207.61 79.21

96.56

471.37

103.18 103.41

UY 2012

UY 2010

UY 2011 201.45

311.51 92.16 68.11

North Sumatera 703.82

South Sumatera West Java Central Java

1,924.12

East Java

138.30

31.82 16.09

26.57

338.71

7.42 11.08 39.68

Kalimantan Sulawesi

228.61

45.03

Other Islands UY 2014

UY 2013

17

National Gross Premium By Occupation As At 30/06/2014 in IDR

Tab le 3.2

U/Y 2010

Occupation

Amount

U/Y 2011 %

Amount

U/Y 2013

U/Y 2012 %

Amount

%

Amount

U/Y 2014 %

Amount

%

AGRICULTURAL

A

20,834,909,822.51

0.98

23,897,315,368.61

0.85

29,417,831,652.86

1.11

30,249,212,517.71

0.82

5,076,326,140.77

0.98

COMMERCIAL

C

434,867,351,208.41

20.54

751,510,364,396.51

26.70

640,941,397,773.90

24.26

1,299,163,032,627.68

35.42

139,781,955,596.12

27.07

INDUSTRIAL

I

1,298,239,105,055.78

61.32

1,696,606,138,601.41

60.28

1,626,955,347,705.78

61.58

1,936,516,719,804.33

52.79

280,452,087,197.89

54.31

RESIDENTIAL

R

363,102,646,724.12

17.15

342,435,363,342.42

12.17

344,745,143,760.66

13.05

402,150,838,938.53

10.96

91,091,665,150.59

17.64

2,117,044,012,810.82

100.00

2,814,449,181,708.95

100.00

2,642,059,720,893.20

100.00

3,668,079,803,888.25

100.00

516,402,034,085.37

100.00

T OT AL

18

National Gross Premium By Occupation As at 30 June 2014 ( In Billion IDR )


Residential, 363.10 Industrial, 1,298.24

Commercial, 434.87

Commercial, 640.94


Agricultural, 20.83 Commercial, 751.51

Residential, 344.75 Agricultural, 29.42 Residential, 342.44

UY 2010

UY 2012

Agricultural, 23.90

UY 2011 Industrial, 1,936.52

Industrial, 280.45

Commercial, 139.78

Residential, 402.15


Agricultural, 30.25

Agricultural, 5.08

Residential, 91.09

UY 2013

2010

19

UY 2014

National Gross Premium By Province As At 30/06/2014 Tab le 3.3

In IDR Province

U/Y 2010 Amount

U/Y 2011 %

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

%

01. NAD

61,933,427,650.03

2.93

87,272,745,480.81

3.10

12,295,732,445.63

0.47

15,420,253,774.21

0.42

649,622,123.33

0.13

02. SUMATERA UTARA

76,086,349,125.68

3.59

106,707,582,653.64

3.79

94,667,391,806.44

3.58

122,879,785,344.41

3.35

15,438,740,337.39

2.99

03. SUMATERA BARAT

39,338,010,826.10

1.86

40,336,271,706.22

1.43

47,260,451,586.55

1.79

48,328,752,523.86

1.32

5,956,366,084.54

1.15

04. RIAU

33,033,443,273.00

1.56

34,916,034,904.00

1.24

34,927,979,472.12

1.32

45,880,189,713.99

1.25

4,638,808,278.11

0.90

5,242,221,847.08

0.25

7,935,791,182.58

0.28

10,449,768,304.35

0.40

12,971,704,258.92

0.35

1,026,485,410.46

0.20

39,288,814,918.39

1.86

31,091,421,526.29

1.10

42,038,391,746.01

1.59

43,801,011,787.14

1.19

5,173,489,351.48

1.00

5,473,651,423.87

0.26

7,256,467,935.58

0.26

8,232,110,415.26

0.31

9,386,039,325.78

0.26

1,059,294,410.01

0.21

22,692,710,088.11

1.07

37,252,857,897.14

1.32

39,388,990,320.73

1.49

37,919,309,381.96

1.03

7,261,463,890.94

1.41

2,953,443,103.05

0.14

2,654,439,798.01

0.09

3,392,003,981.33

0.13

4,214,582,215.40

0.11

475,922,603.63

0.09

12,936,141,313.44

0.61

18,784,485,619.28

0.67

21,915,872,133.20

0.83

26,110,853,493.80

0.71

6,229,131,529.60

1.21

11. JAKARTA

433,818,985,672.09

20.49

670,156,787,867.45

23.81

596,985,432,606.53

22.60

664,806,669,534.37

18.12

144,706,234,079.80

28.02

12. JAWA BARAT

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

504,589,650,948.39

23.83

549,602,037,909.93

19.53

641,029,495,637.14

24.26

801,860,475,042.27

21.86

147,428,564,831.37

28.55

13. JAWA TENGAH

81,521,601,724.06

3.85

151,898,241,863.28

5.40

131,344,409,492.72

4.97

184,343,834,212.16

5.03

42,641,045,478.20

8.26

14. DIY

15,038,341,066.72

0.71

17,757,326,036.21

0.63

17,363,346,599.36

0.66

17,110,147,589.36

0.47

2,385,756,958.50

0.46

15. JAWA TIMUR

286,464,830,136.00

13.53

471,365,057,829.45

16.75

343,343,112,647.67

13.00

311,510,123,211.43

8.49

39,684,344,935.25

7.68

16. BANTEN

282,586,351,440.30

13.35

293,670,123,398.92

10.43

314,777,603,964.81

11.91

457,449,675,875.86

12.47

46,578,895,375.28

9.02

54,063,520,550.42

2.55

60,405,757,022.38

2.15

72,773,980,952.52

2.75

678,920,174,107.52

18.51

21,619,094,743.25

4.19

18. NUSA TENGGARA BARAT

4,440,906,653.30

0.21

5,152,954,498.64

0.18

7,045,338,897.22

0.27

8,399,398,925.34

0.23

1,105,098,625.50

0.21

19. NUSA TENGGARA TIMUR

1,281,077,691.84

0.06

2,433,951,389.85

0.09

3,205,403,389.16

0.12

2,613,523,370.14

0.07

590,230,525.24

0.11

20. KALIMANTAN BARAT

3,715,242,385.16

0.18

6,039,986,630.20

0.21

5,362,263,619.84

0.20

6,436,893,941.92

0.18

2,406,096,569.71

0.47

21. KALIMANTAN TENGAH

9,889,548,328.95

0.47

10,276,315,119.02

0.37

10,646,886,578.05

0.40

15,518,777,881.16

0.42

336,366,874.41

0.07

22. KALIMANTAN SELATAN

12,861,818,728.25

0.61

23,763,591,278.15

0.84

13,205,545,643.34

0.50

24,595,989,301.19

0.67

819,487,188.55

0.16

23. KALIMANTAN TIMUR

41,944,044,636.88

1.98

63,327,983,091.57

2.25

63,998,685,765.07

2.42

45,606,636,921.21

1.24

7,519,029,402.41

1.46

24. SULAWESI UTARA

14,782,310,726.53

0.70

37,731,185,839.11

1.34

21,021,635,891.72

0.80

27,822,846,895.56

0.76

2,088,172,730.85

0.40

2,004,618,104.55

0.09

3,453,159,420.21

0.12

3,317,966,182.30

0.13

6,119,245,420.71

0.17

1,935,025,842.18

0.37

26. SULAWESI SELATAN

17,313,977,134.63

0.82

24,633,832,826.30

0.88

27,812,288,977.05

1.05

26,605,330,544.12

0.73

2,386,254,638.34

0.46

27. SULAWESI TENGGARA

21,176,342,881.42

1.00

10,519,227,674.99

0.37

11,790,398,453.27

0.45

2,066,596,362.00

0.06

469,298,589.08

0.09

28. GORONTALO

18,303,748,895.48

0.86

25,432,169,625.48

0.90

28,055,203,586.03

1.06

3,582,547,453.03

0.10

192,108,676.96

0.04

29. SULAWESI BARAT

2,665,975,867.48

0.13

1,406,530,176.92

0.05

1,676,507,444.32

0.06

1,912,163,704.90

0.05

345,452,175.19

0.07

30. MALUKU

1,748,451,819.08

0.08

1,761,141,005.57

0.06

2,348,939,869.89

0.09

2,872,698,323.00

0.08

891,161,388.62

0.17

736,016,880.37

0.03

1,055,412,456.04

0.04

1,319,477,950.27

0.05

1,008,677,247.24

0.03

99,653,627.24

0.02

32. PAPUA BARAT

2,543,602,599.57

0.12

3,177,814,430.49

0.11

3,303,319,700.43

0.13

3,972,630,874.61

0.11

301,350,555.74

0.06

33. PAPUA

4,574,834,370.60

0.22

5,220,495,615.28

0.19

5,763,784,832.88

0.22

6,032,265,329.67

0.16

1,963,986,254.24

0.38

2,117,044,012,810.82

100.00

2,814,449,181,708.99

100.00

2,642,059,720,893.21

100.00

3,668,079,803,888.24

100.00

516,402,034,085.40

100.00

17. BALI

25. SULAWESI TENGAH

31. MALUKU UTARA

T OT AL

20

Number Of Risk By Cresta Zone As At 30/06/2014 Tab le 4.1

Cresta Zone

U/Y 2010

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

BANDA ACEH

1.1

634

517

586

577

85

MEDAN

1.2

5,664

5,776

5,976

6,247

1,341

OTHERS

1.3

5,147

4,490

4,593

3,658

702

NORTH SUMATERA

1

11,445

10,783

11,155

10,482

2,128

PADANG

2.1

8,363

9,866

10,569

10,366

2,822

PALEMBANG

2.2

1,613

1,440

1,514

1,744

240

OTHERS

2.3

17,028

16,559

17,249

16,690

2,478

SOUTH SUMATERA

2

27,004

27,865

29,332

28,800

5,540

JAKARTA

3.1

35,145

38,635

36,144

45,504

7,124

BANDUNG

3.2

1,684

1,146

1,986

2,029

243

OTHERS

3.3

34,731

34,081

36,444

36,666

6,428

WEST JAVA

3

71,560

73,862

74,574

84,199

13,795

SEMARANG

4.1

379

669

802

855

101

YOGYAKARTA

4.2

2,468

2,155

2,299

2,071

446

OTHERS

4.3

10,540

9,711

10,254

9,807

2,599

CENTRAL JAVA

4

13,387

12,535

13,355

12,733

3,146

SURABAYA

5.1

6,032

6,062

6,167

5,985

1,014

OTHERS

5.2

7,829

7,287

7,698

7,792

1,248

EAST JAVA

5

13,861

13,349

13,865

13,777

2,262

KALIMANTAN

6

7,002

5,726

7,565

6,397

612

UJUNG PANDANG

7.1

1,737

1,851

1,890

1,906

253

OTHERS

7.2

6,403

7,024

6,163

5,688

851

SULAWESI

7

8,140

8,875

8,053

7,594

1,104

OTHER ISLANDS

8

12,167

12,907

14,170

14,060

2,641

164,566

165,902

172,069

178,042

31,228

TOTAL

21

22

Number Of Risk By Occupation As At 30/06/2014 Tab le 4.2

Occupation

U/Y 2010

%

U/Y 2011

%

U/Y 2012

%

U/Y 2013

%

U/Y 2014

%

AGRICULTURAL

A

441

0.27

379

0.23

420

0.24

437

0.25

71

0.23

COMMERCIAL

C

83,090

50.49

91,401

55.09

94,290

54.80

94,194

52.91

12,988

41.59

INDUSTRIAL

I

13,867

8.43

14,995

9.04

16,282

9.46

17,166

9.64

2,373

7.60

RESIDENTIAL

R

67,168

40.82

59,127

35.64

61,077

35.50

66,245

37.21

15,796

50.58

164,566

100.00

165,902

100.00

172,069

100.00

178,042

100.00

31,228

100.00

TOTAL

23

Number of Risk By Occupation As at 30 June 2014 Industrial, 13,867

Agricultural, 420 Residential, 61,077 Residential, 67,168

Commercial, 91,401 Industrial, 14,995

Commercial, 83,090

Industrial, 16,282

Agricultural, 441

Agricultural, 379

Commercial, 94,290

Residential, 59,127

UY 2010

UY 2012

Industrial, 2,373

UY 2011

Commercial, 94,194

Industrial, 17,166

Residential, 15,796

Commercial, 12,988

Residential, 66,245 Agricultural, 437

Agricultural, 71

UY 2014

UY 2013

24

Claim Frequency by Occupation As At 30/06/2014 Tab le 5.1

Occupation

U/Y 2010

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

AGRICULTURAL

A

0

0

0

0

0

COMMERCIAL

C

43

67

14

23

1

INDUSTRIAL

I

1

0

0

4

0

RESIDENTIAL

R

9

27

1

5

0

53

94

15

32

1

TOTAL

25

26

Claim Frequency by Cresta Zone As At 30/06/2014 Tab le 5.2

Cresta Zone

U/Y 2010

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

BANDA ACEH

1.1

3

4

6

1

0

MEDAN

1.2

1

8

2

0

0

OTHERS

1.3

2

2

0

0

0

NORTH SUMATERA PADANG

1 2.1

6 0

14 7

8 0

1 0

0 0

PALEMBANG

2.2

0

0

0

0

0

OTHERS

2.3

0

8

1

1

0

SOUTH SUMATERA JAKARTA

2 3.1

0 1

15 1

1 0

1 0

0 0

BANDUNG

3.2

0

1

0

1

0

OTHERS

3.3

1

1

1

0

0

WEST JAVA SEMARANG

3 4.1

2 0

3 0

1 0

1 0

0 0

YOGYAKARTA

4.2

3

0

0

4

0

OTHERS

4.3

6

0

0

4

1

CENTRAL JAVA SURABAYA

4 5.1

9 0

0 0

0 0

8 0

1 0

OTHERS

5.2

2

0

0

17

0

EAST JAVA KALIMANTAN

5 6

2 0

0 0

0 0

17 0

0 0

UJUNG PANDANG

7.1

1

0

0

0

0

OTHERS

7.2

2

1

2

1

0

SULAWESI OTHER ISLANDS

7 8

3 31

1 61

2 3

1 3

0 0

53

94

15

32

1

TOTAL

27

28

Claim by Occupation As At 30/06/2014 Tab le 5.3

In IDR

Occupation

U/Y 2010 Amount

U/Y 2011 %

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

%

AGRICULTURAL

A

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

COMMERCIAL

C

42,467,094,914.28

97.40

15,983,627,307.09

97.66

1,670,541,980.54

97.09

294,622,986,325.04

98.90

104,499,000.00

100.00

INDUSTRIAL

I

760,224,542.70

1.74

0.00

0.00

0.00

0.00

3,188,073,400.00

1.07

0.00

0.00

RESIDENTIAL

R

371,785,430.40

0.85

383,658,539.04

2.34

50,000,000.00

2.91

83,944,822.00

0.03

0.00

0.00

43,599,104,887.38

100.00

16,367,285,846.13

100.00

1,720,541,980.54

100.00

297,895,004,547.04

100.00

104,499,000.00

100.00

TOTAL

29

Claim By Occupation As at 30 June 2014

Commercial 97.40%

Commercial 97.09%

Commercial 97.66%

Industrial 0.00% Agricultural 0.00% Industrial Residential 1.74% 0.85%

Residential 2.91%

Industrial 0.00%

UY 2010

Agricultural 0.00%

UY 2012

Agricultural 0.00% Residential 2.34% Commercial 100.00%

UY 2011 Commercial 98.90%

Industrial 1.07% Residential 0.03%

Industrial 0.00%

Agricultural 0.00%

Residential 0.00%

UY 2013

30

Agricultural 0.00%

UY 2014

Claim by Cresta Zone As At 30/06/2014 Tab le 5.4

In IDR

Cresta Zone

U/Y 2010 Amount

U/Y 2011 %

Amount

U/Y 2012 %

Amount

U/Y 2013 %

Amount

U/Y 2014 %

Amount

%

BANDA ACEH

1.1

215,965,351.00

0.50

7,583,593,500.00

46.33

1,430,714,900.00

83.15

21,000,000.00

0.01

0.00

0.00

MEDAN

1.2

17,388,400.00

0.04

101,128,056.63

0.62

14,936,201.00

0.87

0.00

0.00

0.00

0.00

OTHERS

1.3

386,240,859.55

0.89

170,435,941.60

1.04

0.00

0.00

0.00

0.00

0.00

0.00

NORTH SUMATERA

1

619,594,610.55

1.42

7,855,157,498.23

47.99

1,445,651,101.00

84.02

21,000,000.00

0.01

0.00

0.00

PADANG

2.1

0.00

0.00

64,390,800.00

0.39

0.00

0.00

0.00

0.00

0.00

0.00

PALEMBANG

2.2

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

OTHERS

2.3

0.00

0.00

1,260,841,000.00

7.70

50,000,000.00

2.91

3,997,822.00

0.00

0.00

0.00

SOUTH SUMATERA

2

0.00

0.00

1,325,231,800.00

8.10

50,000,000.00

2.91

3,997,822.00

0.00

0.00

0.00

JAKARTA

3.1

2,508,000.00

0.01

50,000,000.00

0.31

0.00

0.00

0.00

0.00

0.00

0.00

BANDUNG

3.2

0.00

0.00

67,353,075.00

0.41

0.00

0.00

22,511,000.00

0.01

0.00

0.00

OTHERS

3.3

37,327,390.00

0.09

7,100,000.00

0.04

17,438,200.00

1.01

0.00

0.00

0.00

0.00

WEST JAVA

3

39,835,390.00

0.09

124,453,075.00

0.76

17,438,200.00

1.01

22,511,000.00

0.01

0.00

0.00

SEMARANG

4.1

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

YOGYAKARTA

4.2

30,472,169,600.00

69.89

0.00

0.00

0.00

0.00

1,230,435,360.00

0.41

0.00

0.00

OTHERS

4.3

4,049,914,560.59

9.29

0.00

0.00

0.00

0.00

4,417,768,400.00

1.48

104,499,000.00

100.00

CENTRAL JAVA

4

34,522,084,160.59

79.18

0.00

0.00

0.00

0.00

5,648,203,760.00

1.90

104,499,000.00

100.00

SURABAYA

5.1

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

OTHERS

5.2

46,008,723.00

0.11

0.00

0.00

0.00

0.00

292,074,986,895.16

98.05

0.00

0.00

EAST JAVA

5

46,008,723.00

0.11

0.00

0.00

0.00

0.00

292,074,986,895.16

98.05

0.00

0.00

KALIMANTAN

6

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UJUNG PANDANG

7.1

760,224,542.70

1.74

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

OTHERS

7.2

90,491,945.00

0.21

6,662,800.00

0.04

77,942,400.00

4.53

50,000,000.00

0.02

0.00

0.00

SULAWESI

7

850,716,487.70

1.95

6,662,800.00

0.04

77,942,400.00

4.53

50,000,000.00

0.02

0.00

0.00

OTHER ISLANDS

8

7,520,865,515.54

17.25

7,055,780,672.90

43.11

129,510,279.54

7.53

74,305,069.88

0.02

0.00

0.00

43,599,104,887.38

100.00

16,367,285,846.13

100.00

1,720,541,980.54

100.00

297,895,004,547.04

100.00

104,499,000.00

100.00

TOTAL

31

Claim By Cresta Zone As at 30 June 2014 ( In Million IDR )

South Sumatera, 1,325.23

Central Java, 34,522.08

East Java, 46.01 Kalimantan, 0.00 Sulawesi, 850.72

South Sumatera, 0.00

North Sumatera, 1,445.65

Central Java, 0.00 East Java, 0.00 Kalimantan, 0.00 Sulawesi, 6.66 North Sumatera, 7,855.16

Other Islands, 7,520.87

West Java, 39.84

West Java, 124.45

Other Islands, 129.51

Other Islands, 7,055.78

Sulawesi, 77.94

North Sumatera, 619.59

South Sumatera, 50.00

West Java, 17.44

UY 2012

UY 2010

UY 2011

East Java, 292,074.99

West Java, 0.00

Central Java, 104.50

South Sumatera, 0.00 North Sumatera, 0.00 Central Java, 5,648.20 West Java, 22.51 South Sumatera, 4.00

Other Islands, 0.00 Sulawesi, 0.00 Kalimantan, 0.00 East Java, 0.00

North Sumatera, 21.00 Other Islands, 74.31 Sulawesi, 50.00 Kalimantan, 0.00

UY 2014

UY 2013

32

Central Java, 0.00 East Java, 0.00 Kalimantan, 0.00

PT. Reasuransi MAIPARK Indonesia

RISK & LOSS PROFILE As At 30/06/2014 UNDERWRITING YEAR

: 2010 - 2014

OCCUPATION

: ALL

PROCESSING DATE

SUM INSURED (BAND)

GROSS PREMIUM NUMBER OF RISKS

(in Million Rp)

18/07/2014

INCURRED CLAIM CLAIM FREQUENCY

(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d)

PERCENTAGE BAND (d)/∑(d)

(e)

(f )

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)

PERCENTAGE BAND (i)/∑(i)

(j)

PERCENTAGE

F

CUM ∑(j)

f

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

Rp

CUM ∑(n)

rp

(n)

(o)

(p)

∑(p) (q)

PERCENTAGE BAND (q)/∑(q)

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00

50.00

70,391

70,391

9.89

9.89

2,711.96

2,711.96

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

55,500

125,891

7.80

17.69

6,420.77

9,132.73

0.05

0.08

2

2

1.03

1.03

14.80

14.80

0.00

0.00

0.23

0.16

3

100.00

200.00

78,796

204,687

11.07

28.76

17,318.75

26,451.48

0.15

0.22

8

10

4.10

5.13

132.11

146.91

0.04

0.04

0.76

0.56

4

200.00

300.00

55,733

260,420

7.83

36.59

20,372.75

46,824.23

0.17

0.40

4

14

2.05

7.18

51.93

198.84

0.01

0.06

0.25

0.42

5

300.00

500.00

79,211

339,631

11.13

47.71

46,488.28

93,312.51

0.40

0.79

33

47

16.92

24.10

328.82

527.66

0.09

0.15

0.71

0.57

6

500.00

750.00

60,673

400,304

8.52

56.24

53,679.88

146,992.39

0.46

1.25

13

60

6.67

30.77

672.95

1,200.61

0.19

0.33

1.25

0.82

7

750.00

1,000.00

58,479

458,783

8.22

64.45

73,716.28

220,708.67

0.63

1.88

9

69

4.62

35.38

802.57

2,003.18

0.22

0.56

1.09

0.91

8

1,000.00

1,500.00

62,409

521,192

8.77

73.22

109,530.18

330,238.84

0.93

2.81

9

78

4.62

40.00

608.55

2,611.73

0.17

0.73

0.56

0.79

9

1,500.00

2,000.00

32,928

554,120

4.63

77.85

82,904.54

413,143.38

0.71

3.51

11

89

5.64

45.64

1,719.55

4,331.28

0.48

1.20

2.07

1.05

10

2,000.00

2,500.00

20,565

574,685

2.89

80.74

65,944.94

479,088.32

0.56

4.07

8

97

4.10

49.74

399.56

4,730.84

0.11

1.32

0.61

0.99

11

2,500.00

3,000.00

15,976

590,661

2.24

82.98

62,897.00

541,985.32

0.53

4.61

6

103

3.08

52.82

561.23

5,292.07

0.16

1.47

0.89

0.98

12

3,000.00

4,000.00

20,020

610,681

2.81

85.79

99,807.22

641,792.53

0.85

5.46

6

109

3.08

55.90

244.45

5,536.52

0.07

1.54

0.24

0.86

13

4,000.00

5,000.00

14,144

624,825

1.99

87.78

91,533.75

733,326.29

0.78

6.24

6

115

3.08

58.97

527.66

6,064.19

0.15

1.69

0.58

0.83

14

5,000.00

7,500.00

19,307

644,132

2.71

90.49

167,338.46

900,664.75

1.42

7.66

12

127

6.15

65.13

3,750.92

9,815.11

1.04

2.73

2.24

1.09

15

7,500.00

10,000.00

12,640

656,772

1.78

92.27

158,629.87

1,059,294.62

1.35

9.01

10

137

5.13

70.26

3,086.26

12,901.38

0.86

3.59

1.95

1.22

16

10,000.00

20,000.00

19,697

676,469

2.77

95.04

398,101.79

1,457,396.42

3.39

12.39

12

149

6.15

76.41

3,737.09

16,638.46

1.04

4.63

0.94

1.14

17

20,000.00

50,000.00

16,576

693,045

2.33

97.36

732,512.84

2,189,909.26

6.23

18.62

11

160

5.64

82.05

1,445.18

18,083.64

0.40

5.03

0.20

0.83

18

50,000.00

701,172

1.14

98.51

791,288.99

2,981,198.24

6.73

25.35

12

172

6.15

88.21

37,766.06

55,849.69

10.50

15.53

4.77

1.87

100,000.00

8,404

709,576

1.18

99.69

2,411,248.68

5,392,446.92

20.51

45.86

15

187

7.69

95.90

262,492.49

318,342.18

72.98

88.51

10.89

5.90

20

500,000.00

100,000.0 0 500,000.0 0 UP

8,127

19

2,231

711,807

0.31

100.00

6,365,587.83

11,758,034.75

54.14

100.00

8

195

4.10

100.00

41,344.25

359,686.44

11.49

100.00

0.65

3.06

33



: 2014

OCCUPATION

: ALL

PROCESSING DATE 18/07/2014

SUM INSURED (BAND)


(in Million Rp)


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

(i)

∑(h)


PERCENTAGE

F

CUM ∑(j)

f

(j)

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

CUM ∑(n)

Rp rp

∑(p)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(n)

(o)

(p)

(q)

(r)

(s)

(t)

(u)

1

0.00

50.00

2,568

2,568

8.22

8.22

105.29

105.29

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

1,280

3,848

4.10

12.32

145.99

251.28

0.03

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

2,546

6,394

8.15

20.48

566.03

817.31

0.11

0.16

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

2,506

8,900

8.02

28.50

927.13

1,744.44

0.18

0.34

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

4,197

13,097

13.44

41.94

2,500.04

4,244.47

0.48

0.82

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

3,039

16,136

9.73

51.67

2,691.83

6,936.30

0.52

1.34

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

2,810

18,946

9.00

60.67

3,573.10

10,509.40

0.69

2.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

2,809

21,755

9.00

69.67

5,072.23

15,581.63

0.98

3.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

1,835

23,590

5.88

75.54

4,667.33

20,248.96

0.90

3.92

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

1,092

24,682

3.50

79.04

3,539.46

23,788.42

0.69

4.61

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

865

25,547

2.77

81.81

3,484.58

27,272.99

0.67

5.28

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

1,000

26,547

3.20

85.01

4,967.05

32,240.05

0.96

6.24

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

691

27,238

2.21

87.22

4,550.33

36,790.38

0.88

7.12

1

1

100.00

100.00

104.50

104.50

100.00

100.00

2.30

0.28

14

5,000.00

7,500.00

910

28,148

2.91

90.14

7,944.67

44,735.05

1.54

8.66

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.23

15

7,500.00

10,000.00

617

28,765

1.98

92.11

7,807.73

52,542.78

1.51

10.17

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.20

16

10,000.00

20,000.00

857

29,622

2.74

94.86

17,883.23

70,426.01

3.46

13.64

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.15

17

20,000.00

50,000.00

685

30,307

2.19

97.05

32,345.22

102,771.23

6.26

19.90

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.10

18

50,000.00

387

30,694

1.24

98.29

40,746.13

143,517.36

7.89

27.79

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.07

19

100,000.00

440

31,134

1.41

99.70

141,919.59

285,436.95

27.48

55.27

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.04

20

500,000.00

100,000.0 0 500,000.0 0 UP

94

31,228

0.30

100.00

230,965.08

516,402.03

44.73

100.00

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.02

34



: 2013

OCCUPATION

: ALL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)


FROM

TO

f

(b)

(c)

(d)

(e)

(f )

∑(d)

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)


(j)

PERCENTAGE

F

CUM ∑(j)

f

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

Rp

CUM ∑(n)

rp

(n)

(o)

(p)

∑(p) (q)


(r)

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(s)

(t)

(u)

1

0.00

50.00

13,915

13,915

7.82

7.82

531.09

531.09

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

13,387

27,302

7.52

15.33

1,497.70

2,028.79

0.04

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

17,850

45,152

10.03

25.36

3,987.83

6,016.62

0.11

0.16

1

1

3.13

3.13

10.00

10.00

0.00

0.00

0.25

0.17

4

200.00

300.00

13,273

58,425

7.45

32.82

4,921.94

10,938.57

0.13

0.30

2

3

6.25

9.38

34.95

44.95

0.01

0.02

0.71

0.41

5

300.00

500.00

18,727

77,152

10.52

43.33

11,078.34

22,016.91

0.30

0.60

3

6

9.38

18.75

107.00

151.95

0.04

0.05

0.97

0.69

6

500.00

750.00

14,824

91,976

8.33

51.66

13,328.71

35,345.61

0.36

0.96

3

9

9.38

28.13

289.00

440.94

0.10

0.15

2.17

1.25

7

750.00

1,000.00

13,759

105,735

7.73

59.39

17,580.64

52,926.26

0.48

1.44

3

12

9.38

37.50

650.00

1,090.94

0.22

0.37

3.70

2.06

8

1,000.00

1,500.00

19,061

124,796

10.71

70.09

33,587.49

86,513.75

0.92

2.36

1

13

3.13

40.63

17.86

1,108.81

0.01

0.37

0.05

1.28

9

1,500.00

2,000.00

9,206

134,002

5.17

75.26

23,219.61

109,733.36

0.63

2.99

0

13

0.00

40.63

0.00

1,108.81

0.00

0.37

0.00

1.01

10

2,000.00

2,500.00

5,771

139,773

3.24

78.51

18,780.10

128,513.46

0.51

3.50

1

14

3.13

43.75

100.00

1,208.81

0.03

0.41

0.53

0.94

11

2,500.00

3,000.00

4,340

144,113

2.44

80.94

17,349.82

145,863.28

0.47

3.98

1

15

3.13

46.88

36.70

1,245.51

0.01

0.42

0.21

0.85

12

3,000.00

4,000.00

5,521

149,634

3.10

84.04

27,805.00

173,668.28

0.76

4.73

0

15

0.00

46.88

0.00

1,245.51

0.00

0.42

0.00

0.72

13

4,000.00

5,000.00

3,942

153,576

2.21

86.26

25,609.85

199,278.14

0.70

5.43

0

15

0.00

46.88

0.00

1,245.51

0.00

0.42

0.00

0.63

14

5,000.00

7,500.00

5,420

158,996

3.04

89.30

47,510.31

246,788.45

1.30

6.73

1

16

3.13

50.00

15.87

1,261.37

0.01

0.42

0.03

0.51

15

7,500.00

10,000.00

3,602

162,598

2.02

91.33

45,605.95

292,394.40

1.24

7.97

3

19

9.38

59.38

2,280.55

3,541.92

0.77

1.19

5.00

1.21

16

10,000.00

20,000.00

5,554

168,152

3.12

94.45

112,204.52

404,598.92

3.06

11.03

2

21

6.25

65.63

2,612.48

6,154.40

0.88

2.07

2.33

1.52

17

20,000.00

50,000.00

4,638

172,790

2.61

97.05

211,954.27

616,553.19

5.78

16.81

1

22

3.13

68.75

30.00

6,184.40

0.01

2.08

0.01

1.00

18

50,000.00

175,116

1.31

98.36

237,549.39

854,102.59

6.48

23.28

2

24

6.25

75.00

36,033.00

42,217.40

12.10

14.17

15.17

4.94

100,000.00

2,313

177,429

1.30

99.66

699,638.35

1,553,740.93

19.07

42.36

7

31

21.88

96.88

251,381.54

293,598.93

84.39

98.56

35.93

18.90

20

500,000.00

100,000.0 0 500,000.0 0 UP

2,326

19

613

178,042

0.34

100.00

2,114,338.87

3,668,079.80

57.64

100.00

1

32

3.13

100.00

4,296.07

297,895.00

1.44

100.00

0.20

8.12

35



: 2012

OCCUPATION

: ALL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

1

FROM

TO

f

(b)

(c)

(d)

(e)

∑(d)

0.00

50.00

17,213

17,213

2

50.00

100.00

13,478

3

100.00

200.00

19,128

4

200.00

300.00

5

300.00

6

500.00

7


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

(i)

∑(h)


(j)

F

CUM ∑(j)

f

(k)

(l)

∑(l) (m)

PERCENTAGE BAND (m)/∑(m)

CUM ∑(n)

(n)

(o)

Rp rp (p)

∑(p) (q)


(r)

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(s)

(t)

(u)

10.00

10.00

671.05

671.05

0.03

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

30,691

7.83

17.84

1,564.86

2,235.90

0.06

0.08

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

49,819

11.12

28.95

4,198.96

6,434.87

0.16

0.24

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13,528

63,347

7.86

36.81

4,979.52

11,414.39

0.19

0.43

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

500.00

18,934

82,281

11.00

47.82

11,231.09

22,645.48

0.43

0.86

1

1

6.67

6.67

17.44

17.44

1.01

1.01

0.16

0.08

750.00

13,677

95,958

7.95

55.77

12,206.36

34,851.83

0.46

1.32

0

1

0.00

6.67

0.00

17.44

0.00

1.01

0.00

0.05

750.00

1,000.00

13,917

109,875

8.09

63.86

17,794.53

52,646.37

0.67

1.99

0

1

0.00

6.67

0.00

17.44

0.00

1.01

0.00

0.03

8

1,000.00

1,500.00

16,072

125,947

9.34

73.20

28,153.39

80,799.75

1.07

3.06

1

2

6.67

13.33

50.00

67.44

2.91

3.92

0.18

0.08

9

1,500.00

2,000.00

7,955

133,902

4.62

77.82

20,174.99

100,974.74

0.76

3.82

3

5

20.00

33.33

410.61

478.05

23.87

27.78

2.04

0.47

10

2,000.00

2,500.00

4,851

138,753

2.82

80.64

15,508.82

116,483.56

0.59

4.41

1

6

6.67

40.00

62.33

540.38

3.62

31.41

0.40

0.46

11

2,500.00

3,000.00

3,862

142,615

2.24

82.88

15,219.89

131,703.45

0.58

4.98

0

6

0.00

40.00

0.00

540.38

0.00

31.41

0.00

0.41

12

3,000.00

4,000.00

4,829

147,444

2.81

85.69

24,308.04

156,011.49

0.92

5.90

0

6

0.00

40.00

0.00

540.38

0.00

31.41

0.00

0.35

13

4,000.00

5,000.00

3,389

150,833

1.97

87.66

22,095.77

178,107.27

0.84

6.74

0

6

0.00

40.00

0.00

540.38

0.00

31.41

0.00

0.30

14

5,000.00

7,500.00

4,735

155,568

2.75

90.41

41,142.71

219,249.97

1.56

8.30

2

8

13.33

53.33

319.96

860.33

18.60

50.00

0.78

0.39

15

7,500.00

10,000.00

3,073

158,641

1.79

92.20

38,597.29

257,847.27

1.46

9.76

2

10

13.33

66.67

555.00

1,415.33

32.26

82.26

1.44

0.55

16

10,000.00

20,000.00

4,820

163,461

2.80

95.00

98,258.06

356,105.33

3.72

13.48

4

14

26.67

93.33

301.07

1,716.41

17.50

99.76

0.31

0.48

17

20,000.00

50,000.00

3,989

167,450

2.32

97.32

175,495.21

531,600.55

6.64

20.12

0

14

0.00

93.33

0.00

1,716.41

0.00

99.76

0.00

0.32

18

50,000.00

2,029

169,479

1.18

98.49

191,821.94

723,422.49

7.26

27.38

0

14

0.00

93.33

0.00

1,716.41

0.00

99.76

0.00

0.24

19

100,000.00

2,044

171,523

1.19

99.68

588,243.30

1,311,665.79

22.26

49.65

1

15

6.67

100.00

4.14

1,720.54

0.24

100.00

0.00

0.13

20

500,000.00

100,000.0 0 500,000.0 0 UP

546

172,069

0.32

100.00

1,330,393.93

2,642,059.72

50.35

100.00

0

15

0.00

100.00

0.00

1,720.54

0.00

100.00

0.00

0.07

36



: 2011

OCCUPATION

: ALL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

(e)

∑(d)


(f )

PERCENTAGE

Rp

CUM ∑(f)

rp

(g)

(h)

BAND (i)/∑(i)

∑(h) (i)

(j)

F

CUM ∑(j)

f

(k)

(l)

(m)

∑(l)


CUM ∑(n)

(n)

(o)

Rp rp (p)

∑(p) (q)


(r)

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(s)

(t)

(u)

1

0.00

50.00

16,871

16,871

10.17

10.17

684.70

684.70

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

12,844

29,715

7.74

17.91

1,529.30

2,214.00

0.05

0.08

1

1

1.06

1.06

3.80

3.80

0.02

0.02

0.25

0.17

3

100.00

200.00

19,249

48,964

11.60

29.51

4,295.05

6,509.05

0.15

0.23

5

6

5.32

6.38

94.19

97.99

0.58

0.60

2.19

1.51

4

200.00

300.00

13,528

62,492

8.15

37.67

4,888.68

11,397.73

0.17

0.40

2

8

2.13

8.51

16.98

114.98

0.10

0.70

0.35

1.01

5

300.00

500.00

19,200

81,692

11.57

49.24

11,193.04

22,590.77

0.40

0.80

25

33

26.60

35.11

127.11

242.09

0.78

1.48

1.14

1.07

6

500.00

750.00

13,193

94,885

7.95

57.19

11,574.59

34,165.36

0.41

1.21

8

41

8.51

43.62

179.25

421.33

1.10

2.57

1.55

1.23

7

750.00

1,000.00

13,546

108,431

8.17

65.36

17,485.99

51,651.35

0.62

1.84

3

44

3.19

46.81

75.92

497.26

0.46

3.04

0.43

0.96

8

1,000.00

1,500.00

13,687

122,118

8.25

73.61

24,266.27

75,917.61

0.86

2.70

4

48

4.26

51.06

133.04

630.30

0.81

3.85

0.55

0.83

9

1,500.00

2,000.00

7,368

129,486

4.44

78.05

18,506.63

94,424.24

0.66

3.35

5

53

5.32

56.38

422.12

1,052.42

2.58

6.43

2.28

1.11

10

2,000.00

2,500.00

4,638

134,124

2.80

80.85

14,846.84

109,271.08

0.53

3.88

2

55

2.13

58.51

164.22

1,216.64

1.00

7.43

1.11

1.11

11

2,500.00

3,000.00

3,651

137,775

2.20

83.05

14,432.87

123,703.95

0.51

4.40

3

58

3.19

61.70

193.30

1,409.94

1.18

8.61

1.34

1.14

12

3,000.00

4,000.00

4,684

142,459

2.82

85.87

23,095.74

146,799.69

0.82

5.22

3

61

3.19

64.89

104.87

1,514.81

0.64

9.26

0.45

1.03

13

4,000.00

5,000.00

3,323

145,782

2.00

87.87

21,429.68

168,229.37

0.76

5.98

3

64

3.19

68.09

206.61

1,721.41

1.26

10.52

0.96

1.02

14

5,000.00

7,500.00

4,469

150,251

2.69

90.57

38,800.18

207,029.55

1.38

7.36

8

72

8.51

76.60

3,411.38

5,132.79

20.84

31.36

8.79

2.48

15

7,500.00

10,000.00

2,913

153,164

1.76

92.32

36,672.85

243,702.41

1.30

8.66

3

75

3.19

79.79

238.02

5,370.81

1.45

32.81

0.65

2.20

16

10,000.00

20,000.00

4,571

157,735

2.76

95.08

91,978.43

335,680.83

3.27

11.93

5

80

5.32

85.11

746.76

6,117.58

4.56

37.38

0.81

1.82

17

20,000.00

50,000.00

3,914

161,649

2.36

97.44

169,534.05

505,214.88

6.02

17.95

7

87

7.45

92.55

1,327.55

7,445.12

8.11

45.49

0.78

1.47

18

50,000.00

1,800

163,449

1.08

98.52

171,291.37

676,506.25

6.09

24.04

4

91

4.26

96.81

1,496.27

8,941.39

9.14

54.63

0.87

1.32

19

100,000.00

1,908

165,357

1.15

99.67

531,195.15

1,207,701.40

18.87

42.91

3

94

3.19

100.00

7,425.90

16,367.29

45.37

100.00

1.40

1.36

20

500,000.00

100,000.0 0 500,000.0 0 UP

545

165,902

0.33

100.00

1,606,747.78

2,814,449.18

57.09

100.00

0

94

0.00

100.00

0.00

16,367.29

0.00

100.00

0.00

0.58

37



: 2010

OCCUPATION

: ALL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

(e)

∑(d)


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)


(j)

F

CUM ∑(j)

f

(k)

(l)

(m)

∑(l)


Rp

CUM ∑(n)

rp

(n)

(o)

(p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00

50.00

19,824

19,824

12.05

12.05

719.83

719.83

0.03

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

14,511

34,335

8.82

20.86

1,682.92

2,402.76

0.08

0.11

1

1

1.89

1.89

11.00

11.00

0.03

0.03

0.65

0.46

3

100.00

200.00

20,023

54,358

12.17

33.03

4,270.88

6,673.63

0.20

0.32

2

3

3.77

5.66

27.92

38.92

0.06

0.09

0.65

0.58

4

200.00

300.00

12,898

67,256

7.84

40.87

4,655.48

11,329.11

0.22

0.54

0

3

0.00

5.66

0.00

38.92

0.00

0.09

0.00

0.34

5

300.00

500.00

18,153

85,409

11.03

51.90

10,485.77

21,814.88

0.50

1.03

4

7

7.55

13.21

77.26

116.18

0.18

0.27

0.74

0.53

6

500.00

750.00

15,940

101,349

9.69

61.59

13,878.40

35,693.28

0.66

1.69

2

9

3.77

16.98

204.71

320.90

0.47

0.74

1.48

0.90

7

750.00

1,000.00

14,447

115,796

8.78

70.36

17,282.01

52,975.29

0.82

2.50

3

12

5.66

22.64

76.64

397.54

0.18

0.91

0.44

0.75

8

1,000.00

1,500.00

10,780

126,576

6.55

76.92

18,450.80

71,426.09

0.87

3.37

3

15

5.66

28.30

407.65

805.19

0.93

1.85

2.21

1.13

9

1,500.00

2,000.00

6,564

133,140

3.99

80.90

16,335.99

87,762.09

0.77

4.15

3

18

5.66

33.96

886.82

1,692.01

2.03

3.88

5.43

1.93

10

2,000.00

2,500.00

4,213

137,353

2.56

83.46

13,269.71

101,031.80

0.63

4.77

4

22

7.55

41.51

73.01

1,765.02

0.17

4.05

0.55

1.75

11

2,500.00

3,000.00

3,258

140,611

1.98

85.44

12,409.83

113,441.63

0.59

5.36

2

24

3.77

45.28

331.24

2,096.25

0.76

4.81

2.67

1.85

12

3,000.00

4,000.00

3,986

144,597

2.42

87.87

19,631.38

133,073.02

0.93

6.29

3

27

5.66

50.94

139.58

2,235.84

0.32

5.13

0.71

1.68

13

4,000.00

5,000.00

2,799

147,396

1.70

89.57

17,848.12

150,921.13

0.84

7.13

2

29

3.77

54.72

216.56

2,452.40

0.50

5.62

1.21

1.62

14

5,000.00

7,500.00

3,773

151,169

2.29

91.86

31,940.59

182,861.73

1.51

8.64

1

30

1.89

56.60

3.72

2,456.12

0.01

5.63

0.01

1.34

15

7,500.00

10,000.00

2,435

153,604

1.48

93.34

29,946.04

212,807.77

1.41

10.05

2

32

3.77

60.38

12.69

2,468.81

0.03

5.66

0.04

1.16

16

10,000.00

20,000.00

3,895

157,499

2.37

95.71

77,777.55

290,585.32

3.67

13.73

1

33

1.89

62.26

76.77

2,545.58

0.18

5.84

0.10

0.88

17

20,000.00

50,000.00

3,350

160,849

2.04

97.74

143,184.08

433,769.41

6.76

20.49

3

36

5.66

67.92

87.63

2,633.21

0.20

6.04

0.06

0.61

18

50,000.00

1,585

162,434

0.96

98.70

149,880.15

583,649.56

7.08

27.57

6

42

11.32

79.25

236.79

2,870.00

0.54

6.58

0.16

0.49

19

100,000.00

1,699

164,133

1.03

99.74

450,252.28

1,033,901.84

21.27

48.84

4

46

7.55

86.79

3,680.92

6,550.92

8.44

15.03

0.82

0.63

20

500,000.00

100,000.0 0 500,000.0 0 UP

433

164,566

0.26

100.00

1,083,142.17

2,117,044.01

51.16

100.00

7

53

13.21

100.00

37,048.18

43,599.10

84.97

100.00

3.42

2.06

38



: 2014

OCCUPATION

: AGRICULTURAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND PERCENTAGE

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)

BAND (d)/∑(d)

(f )

PERCENTAGE

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h)

BAND (i)/∑(i)

(i)

(j)

F

CUM ∑(j)

f

(k)

(l)

(m)

∑(l)


(n)

CUM ∑(n)

(o)

Rp rp (p)

∑(p) (q)


(r)

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(s)

(t)

(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

2

2

2.82

2.82

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

3

100.00

200.00

3

5

4.23

7.04

0.53

0.74

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

2

7

2.82

9.86

0.59

1.32

0.01

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

4

11

5.63

15.49

2.49

3.81

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

4

15

5.63

21.13

2.52

6.33

0.05

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

5

20

7.04

28.17

4.34

10.67

0.09

0.21

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

5

25

7.04

35.21

5.70

16.36

0.11

0.32

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

32

9.86

45.07

18.92

35.28

0.37

0.69

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00

2,500.00

4

36

5.63

50.70

10.21

45.49

0.20

0.90

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

0

36

0.00

50.70

0.00

45.49

0.00

0.90

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

39

4.23

54.93

15.46

60.95

0.30

1.20

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

2

41

2.82

57.75

14.20

75.15

0.28

1.48

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00

7,500.00

1

42

1.41

59.15

7.11

82.26

0.14

1.62

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

2

44

2.82

61.97

21.53

103.79

0.42

2.04

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

4

48

5.63

67.61

84.01

187.80

1.65

3.70

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

5

53

7.04

74.65

234.25

422.05

4.61

8.31

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

4

57

5.63

80.28

302.48

724.53

5.96

14.27

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

13

70

18.31

98.59

2,899.34

3,623.87

57.11

71.39

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

100,000.0 0 500,000.0 0 UP

1

71

1.41

100.00

1,452.46

5,076.33

28.61

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

39



: 2014

OCCUPATION

: COMMERCIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

1

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

42.96

0.00

50.00

1,226

1,226

9.44

9.44

2

50.00

100.00

361

1,587

2.78

12.22

3

100.00

200.00

925

2,512

7.12

19.34

4

200.00

300.00

790

3,302

6.08

25.42

5

300.00

500.00

1,454

4,756

11.19

6

500.00

750.00

1,159

5,915

8.92

7

750.00

1,000.00

1,278

7,193

8

1,000.00

1,500.00

1,282

∑(h) (i)


(j)

PERCENTAGE

F

CUM ∑(j)

f

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

Rp

CUM ∑(n)

rp

(n)

(o)

(p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

42.96

0.03

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

43.02

85.98

0.03

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

199.29

285.27

0.14

0.20

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

307.99

593.26

0.22

0.42

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

36.62

930.84

1,524.10

0.67

1.09

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

45.54

1,089.76

2,613.86

0.78

1.87

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9.84

55.38

1,721.65

4,335.51

1.23

3.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8,475

9.87

65.25

2,427.07

6,762.58

1.74

4.84

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

924

9,399

7.11

72.37

2,427.34

9,189.91

1.74

6.57

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

555

9,954

4.27

76.64

1,839.50

11,029.41

1.32

7.89

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

428

10,382

3.30

79.94

1,804.37

12,833.78

1.29

9.18

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

502

10,884

3.87

83.80

2,545.01

15,378.79

1.82

11.00

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

327

11,211

2.52

86.32

2,218.50

17,597.29

1.59

12.59

1

1

100.00

100.00

104.50

104.50

100.00

100.00

4.71

0.59

14

5,000.00

7,500.00

448

11,659

3.45

89.77

4,017.55

21,614.84

2.87

15.46

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.48

15

7,500.00

10,000.00

313

11,972

2.41

92.18

4,071.44

25,686.27

2.91

18.38

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.41

16

10,000.00

20,000.00

404

12,376

3.11

95.29

8,289.87

33,976.14

5.93

24.31

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.31

17

20,000.00

50,000.00

304

12,680

2.34

97.63

14,223.54

48,199.69

10.18

34.48

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.22

18

50,000.00

153

12,833

1.18

98.81

15,429.35

63,629.04

11.04

45.52

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.16

19

100,000.00

137

12,970

1.05

99.86

42,204.89

105,833.94

30.19

75.71

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.10

20

500,000.00

100,000.0 0 500,000.0 0 UP

18

12,988

0.14

100.00

33,948.02

139,781.96

24.29

100.00

0

1

0.00

100.00

0.00

104.50

0.00

100.00

0.00

0.07

40



: 2014

OCCUPATION

: INDUSTRIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

PERCENTAGE

Rp

CUM ∑(f)

rp

(g)

(h)

BAND (i)/∑(i)

∑(h) (i)

(j)

F

CUM ∑(j)

f

(k)

(l)

(m)

∑(l)


(n)

CUM ∑(n)

(o)

Rp rp

∑(p)

(p)

(q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00

50.00

165

165

6.95

6.95

3.65

3.65

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

59

224

2.49

9.44

6.64

10.30

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

45

269

1.90

11.34

9.52

19.82

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

60

329

2.53

13.86

21.67

41.49

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

107

436

4.51

18.37

65.96

107.45

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

89

525

3.75

22.12

84.21

191.65

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

70

595

2.95

25.07

91.23

282.88

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

143

738

6.03

31.10

264.84

547.72

0.09

0.20

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

97

835

4.09

35.19

263.17

810.89

0.09

0.29

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

72

907

3.03

38.22

247.02

1,057.91

0.09

0.38

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

84

991

3.54

41.76

341.30

1,399.20

0.12

0.50

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

110

1,101

4.64

46.40

527.19

1,926.39

0.19

0.69

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

90

1,191

3.79

50.19

594.94

2,521.34

0.21

0.90

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

147

1,338

6.19

56.38

1,316.16

3,837.49

0.47

1.37

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

124

1,462

5.23

61.61

1,605.22

5,442.71

0.57

1.94

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

232

1,694

9.78

71.39

5,048.42

10,491.13

1.80

3.74

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

257

1,951

10.83

82.22

12,726.12

23,217.26

4.54

8.28

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

165

2,116

6.95

89.17

18,032.63

41,249.89

6.43

14.71

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

193

2,309

8.13

97.30

65,513.73

106,763.62

23.36

38.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

100,000.0 0 500,000.0 0 UP

64

2,373

2.70

100.00

173,688.47

280,452.09

61.93

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

41



: 2014

OCCUPATION

: RESIDENTIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

PERCENTAGE

Rp

CUM ∑(f)

rp

(g)

(h)

BAND (i)/∑(i)

∑(h) (i)

PERCENTAGE

F

CUM ∑(j)

f

(j)

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

Rp

PERCENTAGE

CUM ∑(n)

rp

(n)

(o)

(p)

(q)

(r)

∑(p)

BAND (q)/∑(q)

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(s)

(t)

(u)

1

0.00

50.00

1,177

1,177

7.45

7.45

58.67

58.67

0.06

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

858

2,035

5.43

12.88

96.11

154.78

0.11

0.17

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

1,573

3,608

9.96

22.84

356.70

511.48

0.39

0.56

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

1,654

5,262

10.47

33.31

596.88

1,108.36

0.66

1.22

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

2,632

7,894

16.66

49.97

1,500.75

2,609.11

1.65

2.86

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

1,787

9,681

11.31

61.29

1,515.35

4,124.46

1.66

4.53

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

1,457

11,138

9.22

70.51

1,755.88

5,880.34

1.93

6.46

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

1,379

12,517

8.73

79.24

2,374.63

8,254.97

2.61

9.06

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

807

13,324

5.11

84.35

1,957.90

10,212.87

2.15

11.21

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

461

13,785

2.92

87.27

1,442.74

11,655.61

1.58

12.80

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

353

14,138

2.23

89.50

1,338.91

12,994.52

1.47

14.27

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

385

14,523

2.44

91.94

1,879.39

14,873.91

2.06

16.33

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

272

14,795

1.72

93.66

1,722.69

16,596.60

1.89

18.22

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

314

15,109

1.99

95.65

2,603.86

19,200.46

2.86

21.08

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

178

15,287

1.13

96.78

2,109.54

21,310.00

2.32

23.39

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

217

15,504

1.37

98.15

4,460.92

25,770.93

4.90

28.29

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

119

15,623

0.75

98.90

5,161.31

30,932.23

5.67

33.96

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

65

15,688

0.41

99.32

6,981.67

37,913.90

7.66

41.62

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

97

15,785

0.61

99.93

31,301.63

69,215.53

34.36

75.98

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

100,000.0 0 500,000.0 0 UP

11

15,796

0.07

100.00

21,876.13

91,091.67

24.02

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

42



: 2013

OCCUPATION

: AGRICULTURAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND PERCENTAGE

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)

BAND (d)/∑(d)

(f )

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)


(j)

PERCENTAGE

F

CUM ∑(j)

f

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

(n)

CUM ∑(n)

(o)

Rp rp (p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00

50.00

6

6

1.37

1.37

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

0

6

0.00

1.37

0.07

0.28

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

5

11

1.14

2.52

1.30

1.58

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

10

21

2.29

4.81

4.25

5.84

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

20

41

4.58

9.38

11.79

17.63

0.04

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

25

66

5.72

15.10

20.76

38.39

0.07

0.13

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

13

79

2.97

18.08

14.85

53.24

0.05

0.18

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

16

95

3.66

21.74

35.61

88.85

0.12

0.29

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

18

113

4.12

25.86

42.39

131.24

0.14

0.43

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

17

130

3.89

29.75

55.26

186.49

0.18

0.62

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

143

2.97

32.72

54.48

240.97

0.18

0.80

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00

4,000.00

20

163

4.58

37.30

94.57

335.54

0.31

1.11

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

179

3.66

40.96

131.18

466.72

0.43

1.54

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00

7,500.00

35

214

8.01

48.97

303.64

770.36

1.00

2.55

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

18

232

4.12

53.09

244.48

1,014.83

0.81

3.35

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

33

265

7.55

60.64

699.36

1,714.19

2.31

5.67

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

57

322

13.04

73.68

2,700.74

4,414.93

8.93

14.60

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

49

371

11.21

84.90

4,441.84

8,856.77

14.68

29.28

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

63

434

14.42

99.31

13,788.35

22,645.13

45.58

74.86

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

100,000.0 0 500,000.0 0 UP

3

437

0.69

100.00

7,604.09

30,249.21

25.14

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

43



: 2013

OCCUPATION

: COMMERCIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)


PERCENTAGE

F

CUM ∑(j)

f

(j)

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

Rp

CUM ∑(n)

rp

(n)

(o)

(p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00

50.00

7,088

7,088

7.52

7.52

300.00

300.00

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

8,099

15,187

8.60

16.12

901.83

1,201.83

0.07

0.09

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

8,429

23,616

8.95

25.07

1,898.74

3,100.57

0.15

0.24

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

5,849

29,465

6.21

31.28

2,229.13

5,329.70

0.17

0.41

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

8,959

38,424

9.51

40.79

5,458.69

10,788.38

0.42

0.83

3

3

13.04

13.04

107.00

107.00

0.04

0.04

1.96

0.99

6

500.00

750.00

7,824

46,248

8.31

49.10

7,243.54

18,031.92

0.56

1.39

1

4

4.35

17.39

250.00

357.00

0.08

0.12

3.45

1.98

7

750.00

1,000.00

7,962

54,210

8.45

57.55

10,444.80

28,476.73

0.80

2.19

3

7

13.04

30.43

650.00

1,007.00

0.22

0.34

6.22

3.54

8

1,000.00

1,500.00

12,842

67,052

13.63

71.19

22,696.38

51,173.11

1.75

3.94

1

8

4.35

34.78

17.86

1,024.86

0.01

0.35

0.08

2.00

9

1,500.00

2,000.00

5,327

72,379

5.66

76.84

13,635.36

64,808.47

1.05

4.99

0

8

0.00

34.78

0.00

1,024.86

0.00

0.35

0.00

1.58

10

2,000.00

2,500.00

3,229

75,608

3.43

80.27

10,700.98

75,509.45

0.82

5.81

0

8

0.00

34.78

0.00

1,024.86

0.00

0.35

0.00

1.36

11

2,500.00

3,000.00

2,373

77,981

2.52

82.79

9,653.18

85,162.63

0.74

6.56

0

8

0.00

34.78

0.00

1,024.86

0.00

0.35

0.00

1.20

12

3,000.00

4,000.00

2,900

80,881

3.08

85.87

14,826.01

99,988.64

1.14

7.70

0

8

0.00

34.78

0.00

1,024.86

0.00

0.35

0.00

1.02

13

4,000.00

5,000.00

2,172

83,053

2.31

88.17

14,295.56

114,284.20

1.10

8.80

0

8

0.00

34.78

0.00

1,024.86

0.00

0.35

0.00

0.90

14

5,000.00

7,500.00

2,820

85,873

2.99

91.17

25,167.45

139,451.64

1.94

10.73

1

9

4.35

39.13

15.87

1,040.73

0.01

0.35

0.06

0.75

15

7,500.00

10,000.00

1,861

87,734

1.98

93.14

23,514.62

162,966.27

1.81

12.54

2

11

8.70

47.83

680.55

1,721.28

0.23

0.58

2.89

1.06

16

10,000.00

20,000.00

2,711

90,445

2.88

96.02

54,565.12

217,531.39

4.20

16.74

1

12

4.35

52.17

1,161.10

2,882.38

0.39

0.98

2.13

1.33

17

20,000.00

50,000.00

2,132

92,577

2.26

98.28

95,458.70

312,990.09

7.35

24.09

1

13

4.35

56.52

30.00

2,912.38

0.01

0.99

0.03

0.93

18

50,000.00

827

93,404

0.88

99.16

82,062.07

395,052.16

6.32

30.41

2

15

8.70

65.22

36,033.00

38,945.38

12.23

13.22

43.91

9.86

19

100,000.00

683

94,087

0.73

99.89

185,470.31

580,522.48

14.28

44.68

7

22

30.43

95.65

251,381.54

290,326.92

85.32

98.54

135.54 50.01

20

500,000.00

100,000.0 0 500,000.0 0 UP

107

94,194

0.11

100.00

718,640.56

1,299,163.03

55.32

100.00

1

23

4.35

100.00

4,296.07

294,622.99

1.46

100.00

0.60 22.68

44



: 2013

OCCUPATION

: INDUSTRIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

1

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

42.05

PERCENTAGE CUM ∑(j)

f

(j)

(k)

(l)

42.05

0.00

0.00

0

∑(h) (i)

BAND (i)/∑(i)

PERCENTAGE

F

CUM ∑(n)

rp

(n)

(o)

(p)

0

0.00

0.00

0.00

∑(l) (m)

BAND (m)/∑(m)

Rp

PERCENTAGE

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

0.00

0.00

0.00

0.00

0.00

∑(p) (q)

BAND (q)/∑(q)

0.00

50.00

1,646

1,646

9.59

9.59

2

50.00

100.00

368

2,014

2.14

11.73

41.84

83.89

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

552

2,566

3.22

14.95

131.12

215.01

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

526

3,092

3.06

18.01

175.36

390.36

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

649

3,741

3.78

21.79

397.49

787.85

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

713

4,454

4.15

25.95

680.77

1,468.62

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

608

5,062

3.54

29.49

804.55

2,273.17

0.04

0.12

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

980

6,042

5.71

35.20

1,809.82

4,082.99

0.09

0.21

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

732

6,774

4.26

39.46

1,878.79

5,961.78

0.10

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

593

7,367

3.45

42.92

1,983.91

7,945.69

0.10

0.41

1

1

25.00

25.00

100.00

100.00

3.14

3.14

5.04

1.26

11

2,500.00

3,000.00

503

7,870

2.93

45.85

2,012.04

9,957.73

0.10

0.51

1

2

25.00

50.00

36.70

136.70

1.15

4.29

1.82

1.37

12

3,000.00

4,000.00

722

8,592

4.21

50.05

3,752.11

13,709.84

0.19

0.71

0

2

0.00

50.00

0.00

136.70

0.00

4.29

0.00

1.00

13

4,000.00

5,000.00

590

9,182

3.44

53.49

3,894.37

17,604.21

0.20

0.91

0

2

0.00

50.00

0.00

136.70

0.00

4.29

0.00

0.78

14

5,000.00

7,500.00

1,042

10,224

6.07

59.56

9,127.32

26,731.53

0.47

1.38

0

2

0.00

50.00

0.00

136.70

0.00

4.29

0.00

0.51

15

7,500.00

10,000.00

849

11,073

4.95

64.51

11,095.99

37,827.52

0.57

1.95

1

3

25.00

75.00

1,600.00

1,736.70

50.19

54.47

14.42

4.59

16

10,000.00

20,000.00

1,560

12,633

9.09

73.59

32,342.32

70,169.84

1.67

3.62

1

4

25.00

100.00

1,451.38

3,188.07

45.53

100.00

4.49

4.54

17

20,000.00

50,000.00

1,717

14,350

10.00

83.60

81,044.85

151,214.69

4.19

7.81

0

4

0.00

100.00

0.00

3,188.07

0.00

100.00

0.00

2.11

18

50,000.00

15,479

6.58

90.17

116,585.73

267,800.42

6.02

13.83

0

4

0.00

100.00

0.00

3,188.07

0.00

100.00

0.00

1.19

100,000.00

1,243

16,722

7.24

97.41

395,269.24

663,069.67

20.41

34.24

0

4

0.00

100.00

0.00

3,188.07

0.00

100.00

0.00

0.48

20

500,000.00

100,000.0 0 500,000.0 0 UP

1,129

19

444

17,166

2.59

100.00

1,273,447.05

1,936,516.72

65.76

100.00

0

4

0.00

100.00

0.00

3,188.07

0.00

100.00

0.00

0.16

45



: 2013

OCCUPATION

: RESIDENTIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

PERCENTAGE

Rp

CUM ∑(f)

rp

(g)

(h)

(i)

BAND (i)/∑(i)

∑(h)

F

CUM ∑(j)

f

(j)

(k)

(l)

(m)

∑(l)


Rp

CUM ∑(n)

rp

(n)

(o)

(p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00

50.00

5,175

5,175

7.81

7.81

188.83

188.83

0.05

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

4,920

10,095

7.43

15.24

553.97

742.80

0.14

0.18

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

8,864

18,959

13.38

28.62

1,956.66

2,699.46

0.49

0.67

1

1

20.00

20.00

10.00

10.00

11.91

11.91

0.51

0.37

4

200.00

300.00

6,888

25,847

10.40

39.02

2,513.21

5,212.67

0.62

1.30

2

3

40.00

60.00

34.95

44.95

41.63

53.54

1.39

0.86

5

300.00

500.00

9,099

34,946

13.74

52.75

5,210.36

10,423.04

1.30

2.59

0

3

0.00

60.00

0.00

44.95

0.00

53.54

0.00

0.43

6

500.00

750.00

6,262

41,208

9.45

62.21

5,383.64

15,806.68

1.34

3.93

2

5

40.00

100.00

39.00

83.94

46.46

100.00

0.72

0.53

7

750.00

1,000.00

5,176

46,384

7.81

70.02

6,316.44

22,123.12

1.57

5.50

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.38

8

1,000.00

1,500.00

5,223

51,607

7.88

77.90

9,045.68

31,168.80

2.25

7.75

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.27

9

1,500.00

2,000.00

3,129

54,736

4.72

82.63

7,663.07

38,831.87

1.91

9.66

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.22

10

2,000.00

2,500.00

1,932

56,668

2.92

85.54

6,039.96

44,871.84

1.50

11.16

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.19

11

2,500.00

3,000.00

1,451

58,119

2.19

87.73

5,630.12

50,501.95

1.40

12.56

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.17

12

3,000.00

4,000.00

1,879

59,998

2.84

90.57

9,132.31

59,634.26

2.27

14.83

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.14

13

4,000.00

5,000.00

1,164

61,162

1.76

92.33

7,288.76

66,923.02

1.81

16.64

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.13

14

5,000.00

7,500.00

1,523

62,685

2.30

94.63

12,911.90

79,834.92

3.21

19.85

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.11

15

7,500.00

10,000.00

874

63,559

1.32

95.95

10,750.86

90,585.78

2.67

22.53

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.09

16

10,000.00

20,000.00

1,250

64,809

1.89

97.83

24,597.72

115,183.50

6.12

28.64

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.07

17

20,000.00

50,000.00

732

65,541

1.10

98.94

32,749.98

147,933.48

8.14

36.79

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.06

18

50,000.00

65,862

0.48

99.42

34,459.75

182,393.23

8.57

45.35

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.05

100,000.00

324

66,186

0.49

99.91

105,110.44

287,503.66

26.14

71.49

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.03

20

500,000.00

100,000.0 0 500,000.0 0 UP

321

19

59

66,245

0.09

100.00

114,647.18

402,150.84

28.51

100.00

0

5

0.00

100.00

0.00

83.94

0.00

100.00

0.00

0.02

46



: 2012

OCCUPATION

: AGRICULTURAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND PERCENTAGE

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)

BAND (d)/∑(d)

(f )

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)


(j)

PERCENTAGE

F

CUM ∑(j)

f

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

Rp

CUM ∑(n)

rp

(n)

(o)

(p)

∑(p) (q)


(r)

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(s)

(t)

(u)

1

0.00

50.00

3

3

0.71

0.71

0.25

0.25

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

3

6

0.71

1.43

0.61

0.86

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

4

10

0.95

2.38

1.07

1.93

0.00

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

9

19

2.14

4.52

3.20

5.13

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

18

37

4.29

8.81

10.51

15.64

0.04

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

31

68

7.38

16.19

28.12

43.76

0.10

0.15

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

9

77

2.14

18.33

12.52

56.28

0.04

0.19

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

16

93

3.81

22.14

25.24

81.52

0.09

0.28

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

23

116

5.48

27.62

54.94

136.46

0.19

0.46

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00

2,500.00

11

127

2.62

30.24

35.38

171.84

0.12

0.58

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00

3,000.00

19

146

4.52

34.76

59.18

231.02

0.20

0.79

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

18

164

4.29

39.05

71.42

302.44

0.24

1.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00

5,000.00

13

177

3.10

42.14

98.66

401.10

0.34

1.36

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00

7,500.00

30

207

7.14

49.29

235.58

636.68

0.80

2.16

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00

10,000.00

21

228

5.00

54.29

265.21

901.89

0.90

3.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00

20,000.00

28

256

6.67

60.95

499.62

1,401.51

1.70

4.76

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00

50,000.00

58

314

13.81

74.76

2,645.23

4,046.74

8.99

13.76

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

48

362

11.43

86.19

4,367.47

8,414.20

14.85

28.60

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

52

414

12.38

98.57

12,434.00

20,848.20

42.27

70.87

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

100,000.0 0 500,000.0 0 UP

6

420

1.43

100.00

8,569.63

29,417.83

29.13

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

47



: 2012

OCCUPATION

: COMMERCIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

(e)

∑(d)


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)


(j)

PERCENTAGE

F

CUM ∑(j)

f

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

CUM ∑(n)

(n)

(o)

Rp rp (p)

∑(p) (q)


(r)

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(s)

(t)

(u)

1

0.00

50.00

10,419

10,419

11.05

11.05

462.27

462.27

0.07

0.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

8,590

19,009

9.11

20.16

1,017.36

1,479.63

0.16

0.23

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

9,690

28,699

10.28

30.44

2,148.90

3,628.53

0.34

0.57

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

6,301

35,000

6.68

37.12

2,390.89

6,019.42

0.37

0.94

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

9,311

44,311

9.87

46.99

5,710.12

11,729.54

0.89

1.83

1

1

7.14

7.14

17.44

17.44

1.04

1.04

0.31

0.15

6

500.00

750.00

7,204

51,515

7.64

54.63

6,605.03

18,334.57

1.03

2.86

0

1

0.00

7.14

0.00

17.44

0.00

1.04

0.00

0.10

7

750.00

1,000.00

8,512

60,027

9.03

63.66

11,159.18

29,493.75

1.74

4.60

0

1

0.00

7.14

0.00

17.44

0.00

1.04

0.00

0.06

8

1,000.00

1,500.00

10,603

70,630

11.25

74.91

18,623.35

48,117.10

2.91

7.51

0

1

0.00

7.14

0.00

17.44

0.00

1.04

0.00

0.04

9

1,500.00

2,000.00

4,654

75,284

4.94

79.84

12,060.52

60,177.62

1.88

9.39

3

4

21.43

28.57

410.61

428.05

24.58

25.62

3.40

0.71

10

2,000.00

2,500.00

2,703

77,987

2.87

82.71

8,758.57

68,936.19

1.37

10.76

1

5

7.14

35.71

62.33

490.38

3.73

29.35

0.71

0.71

11

2,500.00

3,000.00

2,109

80,096

2.24

84.95

8,398.32

77,334.51

1.31

12.07

0

5

0.00

35.71

0.00

490.38

0.00

29.35

0.00

0.63

12

3,000.00

4,000.00

2,640

82,736

2.80

87.75

13,441.65

90,776.16

2.10

14.16

0

5

0.00

35.71

0.00

490.38

0.00

29.35

0.00

0.54

13

4,000.00

5,000.00

1,881

84,617

1.99

89.74

12,303.63

103,079.79

1.92

16.08

0

5

0.00

35.71

0.00

490.38

0.00

29.35

0.00

0.48

14

5,000.00

7,500.00

2,486

87,103

2.64

92.38

21,500.62

124,580.41

3.35

19.44

2

7

14.29

50.00

319.96

810.33

19.15

48.51

1.49

0.65

15

7,500.00

10,000.00

1,592

88,695

1.69

94.07

19,901.27

144,481.68

3.11

22.54

2

9

14.29

64.29

555.00

1,365.33

33.22

81.73

2.79

0.94

16

10,000.00

20,000.00

2,409

91,104

2.55

96.62

47,791.49

192,273.18

7.46

30.00

4

13

28.57

92.86

301.07

1,666.41

18.02

99.75

0.63

0.87

17

20,000.00

50,000.00

1,776

92,880

1.88

98.50

75,103.81

267,376.99

11.72

41.72

0

13

0.00

92.86

0.00

1,666.41

0.00

99.75

0.00

0.62

18

50,000.00

93,660

0.83

99.33

70,215.15

337,592.14

10.96

52.67

0

13

0.00

92.86

0.00

1,666.41

0.00

99.75

0.00

0.49

100,000.00

535

94,195

0.57

99.90

147,449.95

485,042.09

23.01

75.68

1

14

7.14

100.00

4.14

1,670.54

0.25

100.00

0.00

0.34

20

500,000.00

100,000.0 0 500,000.0 0 UP

780

19

95

94,290

0.10

100.00

155,899.30

640,941.40

24.32

100.00

0

14

0.00

100.00

0.00

1,670.54

0.00

100.00

0.00

0.26

48



: 2012

OCCUPATION

: INDUSTRIAL

PROCESSING DATE 18/07/2014

SUM INSURED (BAND)


(in Million Rp)


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

PERCENTAGE

Rp

CUM ∑(f)

rp

(g)

(h)

BAND (i)/∑(i)

∑(h) (i)

PERCENTAGE

F

CUM ∑(j)

f

(j)

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

CUM ∑(n)

(n)

(o)

Rp rp (p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00

50.00

890

890

5.47

5.47

31.47

31.47

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

407

1,297

2.50

7.97

46.31

77.78

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

653

1,950

4.01

11.98

148.95

226.73

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

631

2,581

3.88

15.85

230.39

457.12

0.01

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

770

3,351

4.73

20.58

476.30

933.41

0.03

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

691

4,042

4.24

24.82

633.94

1,567.35

0.04

0.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

653

4,695

4.01

28.84

881.58

2,448.94

0.05

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

956

5,651

5.87

34.71

1,849.92

4,298.85

0.11

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

694

6,345

4.26

38.97

1,824.47

6,123.32

0.11

0.38

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

581

6,926

3.57

42.54

1,897.47

8,020.79

0.12

0.49

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

516

7,442

3.17

45.71

2,116.11

10,136.91

0.13

0.62

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

749

8,191

4.60

50.31

3,858.32

13,995.23

0.24

0.86

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

588

8,779

3.61

53.92

3,831.81

17,827.04

0.24

1.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00

7,500.00

1,037

9,816

6.37

60.29

9,195.69

27,022.73

0.57

1.66

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

784

10,600

4.82

65.10

9,819.24

36,841.97

0.60

2.26

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00

20,000.00

1,486

12,086

9.13

74.23

29,938.71

66,780.68

1.84

4.10

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

1,632

13,718

10.02

84.25

73,239.76

140,020.43

4.50

8.61

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

980

14,698

6.02

90.27

95,606.04

235,626.48

5.88

14.48

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

1,183

15,881

7.27

97.54

341,191.65

576,818.13

20.97

35.45

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

100,000.0 0 500,000.0 0 UP

401

16,282

2.46

100.00

1,050,137.22

1,626,955.35

64.55

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

49



: 2012

OCCUPATION

: RESIDENTIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

PERCENTAGE

Rp

CUM ∑(f)

rp

(g)

(h)

(i)

∑(h)

BAND (i)/∑(i)

PERCENTAGE

F

CUM ∑(j)

f

(j)

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

Rp

CUM ∑(n)

rp

(n)

(o)

(p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00

50.00

5,901

5,901

9.66

9.66

177.05

177.05

0.05

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

4,478

10,379

7.33

16.99

500.58

677.64

0.15

0.20

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

8,781

19,160

14.38

31.37

1,900.04

2,577.68

0.55

0.75

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

6,587

25,747

10.78

42.15

2,355.04

4,932.72

0.68

1.43

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

8,835

34,582

14.47

56.62

5,034.16

9,966.88

1.46

2.89

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

5,751

40,333

9.42

66.04

4,939.27

14,906.15

1.43

4.32

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

4,743

45,076

7.77

73.80

5,741.25

20,647.39

1.67

5.99

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

4,497

49,573

7.36

81.16

7,654.89

28,302.28

2.22

8.21

1

1

100.00

100.00

50.00

50.00

100.00

100.00

0.65

0.18

9

1,500.00

2,000.00

2,584

52,157

4.23

85.40

6,235.06

34,537.34

1.81

10.02

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.14

10

2,000.00

2,500.00

1,556

53,713

2.55

87.94

4,817.40

39,354.74

1.40

11.42

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.13

11

2,500.00

3,000.00

1,218

54,931

1.99

89.94

4,646.28

44,001.02

1.35

12.76

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.11

12

3,000.00

4,000.00

1,422

56,353

2.33

92.27

6,936.65

50,937.67

2.01

14.78

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.10

13

4,000.00

5,000.00

907

57,260

1.49

93.75

5,861.67

56,799.33

1.70

16.48

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.09

14

5,000.00

7,500.00

1,182

58,442

1.94

95.69

10,210.82

67,010.15

2.96

19.44

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.07

15

7,500.00

10,000.00

676

59,118

1.11

96.79

8,611.58

75,621.73

2.50

21.94

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.07

16

10,000.00

20,000.00

897

60,015

1.47

98.26

20,028.24

95,649.97

5.81

27.75

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.05

17

20,000.00

50,000.00

523

60,538

0.86

99.12

24,506.42

120,156.39

7.11

34.85

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.04

18

50,000.00

221

60,759

0.36

99.48

21,633.28

141,789.67

6.28

41.13

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.04

19

100,000.00

274

61,033

0.45

99.93

87,167.70

228,957.37

25.28

66.41

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.02

20

500,000.00

100,000.0 0 500,000.0 0 UP

44

61,077

0.07

100.00

115,787.78

344,745.14

33.59

100.00

0

1

0.00

100.00

0.00

50.00

0.00

100.00

0.00

0.01

50



: 2011

OCCUPATION

: AGRICULTURAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

CUM ∑(f)

(g)

Rp rp (h)

∑(h) (i)


(j)

F

CUM ∑(j)

f

(k)

(l)

∑(l) (m)


CUM ∑(n)

(n)

(o)

Rp rp (p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

(r)

(s)

(t)

CUM q/i

(u)

1

0.00

50.00

5

5

1.32

1.32

0.54

0.54

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

5

10

1.32

2.64

1.06

1.59

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

10

20

2.64

5.28

4.55

6.14

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

8

28

2.11

7.39

4.97

11.11

0.02

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

10

38

2.64

10.03

9.37

20.48

0.04

0.09

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

16

54

4.22

14.25

16.06

36.53

0.07

0.15

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

6

60

1.58

15.83

6.32

42.85

0.03

0.18

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

86

6.86

22.69

51.87

94.72

0.22

0.40

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

15

101

3.96

26.65

40.90

135.62

0.17

0.57

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

12

113

3.17

29.82

44.72

180.34

0.19

0.75

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

126

3.43

33.25

52.69

233.03

0.22

0.98

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

14

140

3.69

36.94

68.58

301.61

0.29

1.26

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

7

147

1.85

38.79

54.14

355.75

0.23

1.49

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

20

167

5.28

44.06

155.53

511.28

0.65

2.14

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

23

190

6.07

50.13

247.82

759.10

1.04

3.18

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00

20,000.00

32

222

8.44

58.58

536.16

1,295.26

2.24

5.42

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

63

285

16.62

75.20

2,483.45

3,778.71

10.39

15.81

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

47

332

12.40

87.60

4,569.84

8,348.55

19.12

34.94

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

40

372

10.55

98.15

7,644.18

15,992.73

31.99

66.92

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

100,000.0 0 500,000.0 0 UP

7

379

1.85

100.00

7,904.59

23,897.32

33.08

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

51



: 2011

OCCUPATION

: COMMERCIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

(e)

∑(d)


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)


(j)

PERCENTAGE

F

CUM ∑(j)

f

(k)

(l)

(m)

∑(l)

BAND (m)/∑(m)

CUM ∑(n)

(n)

(o)

Rp rp (p)

∑(p) (q)


(r)

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(s)

(t)

(u)

1

0.00

50.00

12,633

12,633

13.82

13.82

520.72

520.72

0.07

0.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

7,883

20,516

8.62

22.45

941.54

1,462.26

0.13

0.19

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

9,527

30,043

10.42

32.87

2,168.37

3,630.64

0.29

0.48

2

2

2.99

2.99

14.82

14.82

0.09

0.09

0.68

0.41

4

200.00

300.00

6,257

36,300

6.85

39.72

2,328.62

5,959.26

0.31

0.79

1

3

1.49

4.48

6.98

21.80

0.04

0.14

0.30

0.37

5

300.00

500.00

9,453

45,753

10.34

50.06

5,732.99

11,692.25

0.76

1.56

16

19

23.88

28.36

65.99

87.79

0.41

0.55

1.15

0.75

6

500.00

750.00

6,700

52,453

7.33

57.39

6,037.31

17,729.56

0.80

2.36

4

23

5.97

34.33

136.19

223.98

0.85

1.40

2.26

1.26

7

750.00

1,000.00

8,385

60,838

9.17

66.56

11,239.17

28,968.73

1.50

3.85

1

24

1.49

35.82

62.47

286.45

0.39

1.79

0.56

0.99

8

1,000.00

1,500.00

8,429

69,267

9.22

75.78

15,161.62

44,130.36

2.02

5.87

2

26

2.99

38.81

107.84

394.29

0.67

2.47

0.71

0.89

9

1,500.00

2,000.00

4,191

73,458

4.59

80.37

10,690.45

54,820.80

1.42

7.29

4

30

5.97

44.78

373.42

767.70

2.34

4.80

3.49

1.40

10

2,000.00

2,500.00

2,591

76,049

2.83

83.20

8,398.39

63,219.20

1.12

8.41

2

32

2.99

47.76

164.22

931.92

1.03

5.83

1.96

1.47

11

2,500.00

3,000.00

1,976

78,025

2.16

85.37

7,949.19

71,168.39

1.06

9.47

2

34

2.99

50.75

179.63

1,111.55

1.12

6.95

2.26

1.56

12

3,000.00

4,000.00

2,562

80,587

2.80

88.17

12,765.21

83,933.59

1.70

11.17

3

37

4.48

55.22

104.87

1,216.42

0.66

7.61

0.82

1.45

13

4,000.00

5,000.00

1,859

82,446

2.03

90.20

12,134.31

96,067.90

1.61

12.78

3

40

4.48

59.70

206.61

1,423.03

1.29

8.90

1.70

1.48

14

5,000.00

7,500.00

2,372

84,818

2.60

92.80

20,418.71

116,486.61

2.72

15.50

7

47

10.45

70.15

3,401.26

4,824.28

21.28

30.18

16.66

4.14

15

7,500.00

10,000.00

1,487

86,305

1.63

94.42

18,598.30

135,084.91

2.47

17.98

3

50

4.48

74.63

238.02

5,062.31

1.49

31.67

1.28

3.75

16

10,000.00

20,000.00

2,302

88,607

2.52

96.94

44,087.49

179,172.40

5.87

23.84

4

54

5.97

80.60

696.76

5,759.07

4.36

36.03

1.58

3.21

17

20,000.00

50,000.00

1,680

90,287

1.84

98.78

71,956.57

251,128.97

9.57

33.42

6

60

8.96

89.55

1,302.39

7,061.47

8.15

44.18

1.81

2.81

18

50,000.00

622

90,909

0.68

99.46

61,765.88

312,894.85

8.22

41.64

4

64

5.97

95.52

1,496.27

8,557.73

9.36

53.54

2.42

2.74

19

100,000.00

421

91,330

0.46

99.92

115,671.32

428,566.17

15.39

57.03

3

67

4.48

100.00

7,425.90

15,983.63

46.46

100.00

6.42

3.73

20

500,000.00

100,000.0 0 500,000.0 0 UP

71

91,401

0.08

100.00

322,944.19

751,510.36

42.97

100.00

0

67

0.00

100.00

0.00

15,983.63

0.00

100.00

0.00

2.13

52



: 2011

OCCUPATION

: INDUSTRIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

PERCENTAGE

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)

BAND (i)/∑(i)

(j)

F

CUM ∑(j)

f

(k)

(l)

∑(l)


CUM ∑(n)

(m)

(n)

(o)

Rp rp (p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

(r)

(s)

(t)

CUM q/i

(u)

1

0.00

50.00

501

501

3.34

3.34

16.45

16.45

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

288

789

1.92

5.26

36.30

52.75

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

552

1,341

3.68

8.94

133.03

185.78

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

386

1,727

2.57

11.52

162.59

348.37

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

686

2,413

4.57

16.09

446.37

794.74

0.03

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

583

2,996

3.89

19.98

586.06

1,380.80

0.03

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

663

3,659

4.42

24.40

913.68

2,294.48

0.05

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

955

4,614

6.37

30.77

1,845.80

4,140.28

0.11

0.24

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

708

5,322

4.72

35.49

1,933.47

6,073.75

0.11

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

544

5,866

3.63

39.12

1,797.40

7,871.14

0.11

0.46

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00

3,000.00

471

6,337

3.14

42.26

2,047.00

9,918.14

0.12

0.58

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

735

7,072

4.90

47.16

3,647.18

13,565.32

0.21

0.80

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

593

7,665

3.95

51.12

3,882.00

17,447.32

0.23

1.03

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

955

8,620

6.37

57.49

8,324.47

25,771.79

0.49

1.52

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

763

9,383

5.09

62.57

9,649.18

35,420.96

0.57

2.09

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00

20,000.00

1,427

10,810

9.52

72.09

28,879.52

64,300.48

1.70

3.79

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00

50,000.00

1,638

12,448

10.92

83.01

70,548.36

134,848.84

4.16

7.95

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

919

13,367

6.13

89.14

81,972.28

216,821.11

4.83

12.78

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

1,204

14,571

8.03

97.17

327,731.53

544,552.65

19.32

32.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

100,000.0 0 500,000.0 0 UP

424

14,995

2.83

100.00

1,152,053.49

1,696,606.14

67.90

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

53



: 2011

OCCUPATION

: RESIDENTIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

PERCENTAGE

Rp

CUM ∑(f)

rp

(g)

(h)

(i)

∑(h)

BAND (i)/∑(i)

PERCENTAGE

F

CUM ∑(j)

f

(j)

(k)

(l)

(m)

∑(l)

BAND (m)/∑(m)

Rp

CUM ∑(n)

rp

(n)

(o)

(p)

∑(p) (q)


(r)

PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(s)

(t)

(u)

1

0.00

50.00

3,732

3,732

6.31

6.31

146.99

146.99

0.04

0.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

4,668

8,400

7.89

14.21

550.40

697.39

0.16

0.20

1

1

3.70

3.70

3.80

3.80

0.99

0.99

0.69

0.55

3

100.00

200.00

9,160

17,560

15.49

29.70

1,989.10

2,686.49

0.58

0.78

3

4

11.11

14.81

79.38

83.18

20.69

21.68

3.99

3.10

4

200.00

300.00

6,877

24,437

11.63

41.33

2,392.49

5,078.98

0.70

1.48

1

5

3.70

18.52

10.00

93.18

2.61

24.29

0.42

1.83

5

300.00

500.00

9,051

33,488

15.31

56.64

5,004.32

10,083.30

1.46

2.94

9

14

33.33

51.85

61.12

154.30

15.93

40.22

1.22

1.53

6

500.00

750.00

5,894

39,382

9.97

66.61

4,935.16

15,018.46

1.44

4.39

4

18

14.81

66.67

43.05

197.35

11.22

51.44

0.87

1.31

7

750.00

1,000.00

4,492

43,874

7.60

74.20

5,326.82

20,345.29

1.56

5.94

2

20

7.41

74.07

13.45

210.81

3.51

54.95

0.25

1.04

8

1,000.00

1,500.00

4,277

48,151

7.23

81.44

7,206.97

27,552.26

2.10

8.05

2

22

7.41

81.48

25.21

236.01

6.57

61.52

0.35

0.86

9

1,500.00

2,000.00

2,454

50,605

4.15

85.59

5,841.82

33,394.08

1.71

9.75

1

23

3.70

85.19

48.70

284.72

12.69

74.21

0.83

0.85

10

2,000.00

2,500.00

1,491

52,096

2.52

88.11

4,606.33

38,000.40

1.35

11.10

0

23

0.00

85.19

0.00

284.72

0.00

74.21

0.00

0.75

11

2,500.00

3,000.00

1,191

53,287

2.01

90.12

4,383.99

42,384.40

1.28

12.38

1

24

3.70

88.89

13.67

298.38

3.56

77.77

0.31

0.70

12

3,000.00

4,000.00

1,373

54,660

2.32

92.45

6,614.77

48,999.17

1.93

14.31

0

24

0.00

88.89

0.00

298.38

0.00

77.77

0.00

0.61

13

4,000.00

5,000.00

864

55,524

1.46

93.91

5,359.23

54,358.40

1.57

15.87

0

24

0.00

88.89

0.00

298.38

0.00

77.77

0.00

0.55

14

5,000.00

7,500.00

1,122

56,646

1.90

95.80

9,901.48

64,259.87

2.89

18.77

1

25

3.70

92.59

10.12

308.51

2.64

80.41

0.10

0.48

15

7,500.00

10,000.00

640

57,286

1.08

96.89

8,177.55

72,437.43

2.39

21.15

0

25

0.00

92.59

0.00

308.51

0.00

80.41

0.00

0.43

16

10,000.00

20,000.00

810

58,096

1.37

98.26

18,475.26

90,912.69

5.40

26.55

1

26

3.70

96.30

50.00

358.51

13.03

93.44

0.27

0.39

17

20,000.00

50,000.00

533

58,629

0.90

99.16

24,545.68

115,458.36

7.17

33.72

1

27

3.70

100.00

25.15

383.66

6.56

100.00

0.10

0.33

18

50,000.00

212

58,841

0.36

99.52

22,983.37

138,441.74

6.71

40.43

0

27

0.00

100.00

0.00

383.66

0.00

100.00

0.00

0.28

19

100,000.00

243

59,084

0.41

99.93

80,148.12

218,589.85

23.41

63.83

0

27

0.00

100.00

0.00

383.66

0.00

100.00

0.00

0.18

20

500,000.00

100,000.0 0 500,000.0 0 UP

43

59,127

0.07

100.00

123,845.51

342,435.36

36.17

100.00

0

27

0.00

100.00

0.00

383.66

0.00

100.00

0.00

0.11

54



: 2010

OCCUPATION

: AGRICULTURAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

1

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)


(j)

PERCENTAGE

F

CUM ∑(j)

f

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

(n)

Rp

CUM ∑(n)

rp

(o)

(p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

0.00

50.00

10

10

2.27

2.27

0.45

0.45

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

10

20

2.27

4.54

1.28

1.73

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

15

35

3.40

7.94

3.26

4.98

0.02

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

11

46

2.49

10.43

3.60

8.58

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

14

60

3.17

13.61

6.76

15.34

0.03

0.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

7

67

1.59

15.19

5.02

20.37

0.02

0.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

10

77

2.27

17.46

11.59

31.96

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

26

103

5.90

23.36

45.11

77.07

0.22

0.37

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

35

138

7.94

31.29

82.59

159.66

0.40

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

7

145

1.59

32.88

27.65

187.31

0.13

0.90

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

11

156

2.49

35.37

40.73

228.04

0.20

1.09

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

13

169

2.95

38.32

61.85

289.89

0.30

1.39

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

12

181

2.72

41.04

67.69

357.58

0.32

1.72

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

28

209

6.35

47.39

200.41

557.98

0.96

2.68

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

18

227

4.08

51.47

217.83

775.82

1.05

3.72

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

37

264

8.39

59.86

658.85

1,434.67

3.16

6.89

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

61

325

13.83

73.70

2,619.52

4,054.19

12.57

19.46

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

55

380

12.47

86.17

5,288.89

9,343.08

25.38

44.84

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

56

436

12.70

98.87

8,409.49

17,752.57

40.36

85.21

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

100,000.0 0 500,000.0 0 UP

5

441

1.13

100.00

3,082.34

20,834.91

14.79

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

55



: 2010

OCCUPATION

: COMMERCIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

(e)

∑(d)


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)


(j)

PERCENTAGE

F

CUM ∑(j)

f

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

Rp

CUM ∑(n)

rp

(n)

(o)

(p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00

50.00

13,327

13,327

16.04

16.04

460.95

460.95

0.11

0.11

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

6,432

19,759

7.74

23.78

747.46

1,208.42

0.17

0.28

1

1

2.33

2.33

11.00

11.00

0.03

0.03

1.47

0.91

3

100.00

200.00

8,905

28,664

10.72

34.50

1,892.18

3,100.59

0.44

0.71

1

2

2.33

4.65

14.20

25.20

0.03

0.06

0.75

0.81

4

200.00

300.00

5,674

34,338

6.83

41.33

2,102.86

5,203.45

0.48

1.20

0

2

0.00

4.65

0.00

25.20

0.00

0.06

0.00

0.48

5

300.00

500.00

8,459

42,797

10.18

51.51

5,064.41

10,267.86

1.16

2.36

0

2

0.00

4.65

0.00

25.20

0.00

0.06

0.00

0.25

6

500.00

750.00

7,041

49,838

8.47

59.98

5,936.46

16,204.32

1.37

3.73

1

3

2.33

6.98

131.58

156.79

0.31

0.37

2.22

0.97

7

750.00

1,000.00

8,592

58,430

10.34

70.32

10,206.39

26,410.70

2.35

6.07

2

5

4.65

11.63

41.64

198.42

0.10

0.47

0.41

0.75

8

1,000.00

1,500.00

6,019

64,449

7.24

77.57

10,258.45

36,669.16

2.36

8.43

3

8

6.98

18.60

407.65

606.07

0.96

1.43

3.97

1.65

9

1,500.00

2,000.00

3,612

68,061

4.35

81.91

9,129.87

45,799.03

2.10

10.53

2

10

4.65

23.26

126.59

732.66

0.30

1.73

1.39

1.60

10

2,000.00

2,500.00

2,383

70,444

2.87

84.78

7,618.63

53,417.66

1.75

12.28

3

13

6.98

30.23

31.07

763.73

0.07

1.80

0.41

1.43

11

2,500.00

3,000.00

1,727

72,171

2.08

86.86

6,627.67

60,045.33

1.52

13.81

2

15

4.65

34.88

331.24

1,094.97

0.78

2.58

5.00

1.82

12

3,000.00

4,000.00

2,145

74,316

2.58

89.44

10,709.41

70,754.74

2.46

16.27

3

18

6.98

41.86

139.58

1,234.55

0.33

2.91

1.30

1.74

13

4,000.00

5,000.00

1,505

75,821

1.81

91.25

9,646.08

80,400.82

2.22

18.49

1

19

2.33

44.19

85.83

1,320.39

0.20

3.11

0.89

1.64

14

5,000.00

7,500.00

1,951

77,772

2.35

93.60

16,207.64

96,608.46

3.73

22.22

1

20

2.33

46.51

3.72

1,324.11

0.01

3.12

0.02

1.37

15

7,500.00

10,000.00

1,152

78,924

1.39

94.99

13,744.78

110,353.23

3.16

25.38

2

22

4.65

51.16

12.69

1,336.80

0.03

3.15

0.09

1.21

16

10,000.00

20,000.00

1,811

80,735

2.18

97.17

35,219.21

145,572.44

8.10

33.48

1

23

2.33

53.49

76.77

1,413.57

0.18

3.33

0.22

0.97

17

20,000.00

50,000.00

1,399

82,134

1.68

98.85

58,023.61

203,596.05

13.34

46.82

3

26

6.98

60.47

87.63

1,501.20

0.21

3.53

0.15

0.74

18

50,000.00

82,654

0.63

99.48

49,898.26

253,494.32

11.47

58.29

6

32

13.95

74.42

236.79

1,737.99

0.56

4.09

0.47

0.69

100,000.00

387

83,041

0.47

99.94

108,974.39

362,468.71

25.06

83.35

4

36

9.30

83.72

3,680.92

5,418.91

8.67

12.76

3.38

1.50

20

500,000.00

100,000.0 0 500,000.0 0 UP

520

19

49

83,090

0.06

100.00

72,398.64

434,867.35

16.65

100.00

7

43

16.28

100.00

37,048.18

42,467.09

87.24

100.00

51.17

9.77

56



: 2010

OCCUPATION

: INDUSTRIAL

PROCESSING DATE

SUM INSURED (BAND)


(in M illio n Rp)

18/07/2014


(In M illio n Rp)

LOSS RATIO

(In M illio n Rp)

B A ND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)

PERCENTA GE B A ND (d)/ ∑(d)

PERCENTA GE

Rp

CUM ∑(f )

rp

(f )

(g)

(h)

B A ND (i)/ ∑(i)

∑(h) (i)

(j)

F

CUM ∑(j)

f

(k)

(l)

(m)

∑(l)

PERCENTA GE B A ND (m)/ ∑(m)

CUM ∑(n)

(n)

(o)

Rp rp (p)

∑(p) (q)

PERCENTA GE B A ND (q)/ ∑(q)

PERCENTA GE

CUM ∑(r)

B A ND (p)/ (h)

CUM q/ i

(r)

(s)

(t)

(u)

1

0.00

50.00

597

597

4.31

4.31

19.07

19.07

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

387

984

2.79

7.10

43.68

62.75

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

486

1,470

3.50

10.60

113.24

175.99

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

376

1,846

2.71

13.31

144.12

320.12

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

795

2,641

5.73

19.05

480.36

800.48

0.04

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

594

3,235

4.28

23.33

522.29

1,322.77

0.04

0.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

685

3,920

4.94

28.27

894.44

2,217.21

0.07

0.17

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

806

4,726

5.81

34.08

1,426.98

3,644.19

0.11

0.28

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

679

5,405

4.90

38.98

1,746.15

5,390.34

0.13

0.42

1

1

100.00

100.00

760.22

760.22

100.00

100.00

43.54

14.10

10

2,000.00

2,500.00

475

5,880

3.43

42.40

1,499.99

6,890.32

0.12

0.53

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

11.03

11

2,500.00

3,000.00

454

6,334

3.27

45.68

1,801.93

8,692.25

0.14

0.67

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

8.75

12

3,000.00

4,000.00

584

6,918

4.21

49.89

2,890.30

11,582.55

0.22

0.89

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

6.56

13

4,000.00

5,000.00

520

7,438

3.75

53.64

3,347.18

14,929.73

0.26

1.15

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

5.09

14

5,000.00

7,500.00

853

8,291

6.15

59.79

7,233.09

22,162.82

0.56

1.71

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

3.43

15

7,500.00

10,000.00

698

8,989

5.03

64.82

8,506.59

30,669.41

0.66

2.36

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

2.48

16

10,000.00

20,000.00

1,304

10,293

9.40

74.23

25,526.86

56,196.27

1.97

4.33

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

1.35

17

20,000.00

50,000.00

1,428

11,721

10.30

84.52

62,286.97

118,483.24

4.80

9.13

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

0.64

18

50,000.00

813

12,534

5.86

90.39

73,862.79

192,346.03

5.69

14.82

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

0.40

19

100,000.00

1,007

13,541

7.26

97.65

258,499.05

450,845.08

19.91

34.73

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

0.17

20

500,000.00

100,000.0 0 500,000.0 0 UP

326

13,867

2.35

100.00

847,394.03

1,298,239.11

65.27

100.00

0

1

0.00

100.00

0.00

760.22

0.00

100.00

0.00

0.06

57



: 2010

OCCUPATION

: RESIDENTIAL

PROCESSING DATE

SUM INSURED (BAND)


(in Million Rp)

18/07/2014


(In Million Rp)

LOSS RATIO

(In Million Rp)

BAND

F

(a)

FROM

TO

f

(b)

(c)

(d)

∑(d) (e)


(f )

Rp

CUM ∑(f)

rp

(g)

(h)

∑(h) (i)


PERCENTAGE

F

CUM ∑(j)

f

(j)

(k)

(l)

∑(l) (m)

BAND (m)/∑(m)

(n)

CUM ∑(n)

(o)

Rp rp (p)

∑(p) (q)


PERCENTAGE

CUM ∑(r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00

50.00

5,890

5,890

8.77

8.77

239.36

239.36

0.07

0.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

7,682

13,572

11.44

20.21

890.50

1,129.86

0.25

0.31

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

10,617

24,189

15.81

36.01

2,262.20

3,392.06

0.62

0.93

1

1

11.11

11.11

13.72

13.72

3.69

3.69

0.61

0.40

4

200.00

300.00

6,837

31,026

10.18

46.19

2,404.90

5,796.96

0.66

1.60

0

1

0.00

11.11

0.00

13.72

0.00

3.69

0.00

0.24

5

300.00

500.00

8,885

39,911

13.23

59.42

4,934.23

10,731.19

1.36

2.96

4

5

44.44

55.56

77.26

90.98

20.78

24.47

1.57

0.85

6

500.00

750.00

8,298

48,209

12.35

71.77

7,414.63

18,145.83

2.04

5.00

1

6

11.11

66.67

73.13

164.11

19.67

44.14

0.99

0.90

7

750.00

1,000.00

5,160

53,369

7.68

79.46

6,169.59

24,315.42

1.70

6.70

1

7

11.11

77.78

35.01

199.12

9.42

53.56

0.57

0.82

8

1,000.00

1,500.00

3,929

57,298

5.85

85.31

6,720.26

31,035.67

1.85

8.55

0

7

0.00

77.78

0.00

199.12

0.00

53.56

0.00

0.64

9

1,500.00

2,000.00

2,238

59,536

3.33

88.64

5,377.39

36,413.06

1.48

10.03

0

7

0.00

77.78

0.00

199.12

0.00

53.56

0.00

0.55

10

2,000.00

2,500.00

1,348

60,884

2.01

90.64

4,123.45

40,536.51

1.14

11.16

1

8

11.11

88.89

41.94

241.06

11.28

64.84

1.02

0.59

11

2,500.00

3,000.00

1,066

61,950

1.59

92.23

3,939.50

44,476.01

1.08

12.25

0

8

0.00

88.89

0.00

241.06

0.00

64.84

0.00

0.54

12

3,000.00

4,000.00

1,244

63,194

1.85

94.08

5,969.82

50,445.83

1.64

13.89

0

8

0.00

88.89

0.00

241.06

0.00

64.84

0.00

0.48

13

4,000.00

5,000.00

762

63,956

1.13

95.22

4,787.17

55,233.00

1.32

15.21

1

9

11.11

100.00

130.73

371.79

35.16

100.00

2.73

0.67

14

5,000.00

7,500.00

941

64,897

1.40

96.62

8,299.46

63,532.47

2.29

17.50

0

9

0.00

100.00

0.00

371.79

0.00

100.00

0.00

0.59

15

7,500.00

10,000.00

567

65,464

0.84

97.46

7,476.84

71,009.30

2.06

19.56

0

9

0.00

100.00

0.00

371.79

0.00

100.00

0.00

0.52

16

10,000.00

20,000.00

743

66,207

1.11

98.57

16,372.63

87,381.94

4.51

24.07

0

9

0.00

100.00

0.00

371.79

0.00

100.00

0.00

0.43

17

20,000.00

50,000.00

462

66,669

0.69

99.26

20,253.98

107,635.92

5.58

29.64

0

9

0.00

100.00

0.00

371.79

0.00

100.00

0.00

0.35

18

50,000.00

197

66,866

0.29

99.55

20,830.21

128,466.13

5.74

35.38

0

9

0.00

100.00

0.00

371.79

0.00

100.00

0.00

0.29

19

100,000.00

249

67,115

0.37

99.92

74,369.35

202,835.48

20.48

55.86

0

9

0.00

100.00

0.00

371.79

0.00

100.00

0.00

0.18

20

500,000.00

100,000.0 0 500,000.0 0 UP

53

67,168

0.08

100.00

160,267.17

363,102.65

44.14

100.00

0

9

0.00

100.00

0.00

371.79

0.00

100.00

0.00

0.10

58

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 30 Juni 2014 Indonesian Earthquake Distribution by Province, Underwriting Year 2014, as at 30 June 2014

59

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2014 Indonesian Earthquake Distribution M > 5 and Claim Incurred 2014

60

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 30 Juni 2014 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2014 Indonesian Earthquake Distribution by Province, Underwriting Year 2014, as at 30 June 2014, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2014

61

DAMAGE RATIO Damage ratio dari Gempa Padang 2007 diproses berdasarkan 97 klaim di daerah terdampak. Gempa terjadi pada tanggal 6 Maret 2007 dengan magnitudo 5.8 SR dan kedalaman 33 km (BMG, 2007). Episenter gempa berada di darat sekitar 19 km selatan kota Bukit Tinggi atau 50 km utara kota Padang.

Damage ratio of Padang Earthquake 2007 was processed based on 97 claims in affected area. Earthquake occurred on March 6th 2007 with magnitude 5.8 SR at depth 33 km (BMG, 2007). Epicenter was located at 19 km South of Bukit Tinggi or 50 km north of Padang.

Lokasi dan mekanisme fokus gempa ini menunjukkan goncangan terjadi di Sesar Sumatera, yaitu sesar geser yang menjangkau sepanjang pulau Sumatera.

The earthquake location and focusmechanism are shown shock occurring on the Sumatera Fault, i.e. shear fault that extends along the Sumatera Island.

Gempa ini merusak kota Bukit Tinggi dengan MMI VIII. Getaran gempa juga dirasakan dibeberapa daerah lain seperti kota Padang (MMI VI) dan Tanah Datar (MMI VIII).

This earthquake damaged Bukit Tinggi with MMI VIII. The shock was also felt in several other areas such as Padang (MMI VI) and Tanah Datar (MMI VIII).

Berdasarkan data klaim dari Gempa Padang 2007, menunjukkan pembagian zona dengan MMI sebagai berikut:

Based on claims data of Padang Earthquake 2007, show the zone distribution with the following MMI:

1. Zona MMI VI: a. Rata-rata kerusakan 0.59%, b. Sebaran tertinggi kerusakan berada di rusak sangat ringan (5%) yaitu 1.29% dari portfolio di zona tersebut. 2. Zona MMI VII: a. Rata-rata kerusakan 2.47%, b. Sebaran tertinggi kerusakan berada di rusak sangat ringan (5%) yaitu 5.88% dari portfolio di zona tersebut. c. Sedangkan untuk rusak ringan (20%) dan rusak sedang (45%) jumlah kerusakan adalah 2.94% dan 2.21% dari portfolio di zona tersebut.

1. Zone MMI VI: a. Mean damage factor is 0.59%, b. The highest damage distribution is in very light damage (5%) which is 1.29% of the portfolio in the area. 2. Zone MMI VII: a. Mean damage factor is 2.47%, b. The highest damage distribution is in very light damage (5%) i.e. 5.88% of the portfolio in the area. c. As for the light damage (20%) and moderate damage (45%), the amount of damage is 2.94% and 2.21% of the portfolio in the area.

62

3. Zona MMI VIII: a. Rata – rata kerusakan sudah cukup tinggi yaitu 10.88% dari portfolio yang berada di zona tersebut. b. Mengalami rusak ringan (20%) yaitu 20% dari portfolio, rusak berat (80%) yaitu 5% dari portfolio dan kerugian total (100%) yaitu 2.5% dari portfolio.

3. Zone MMI VIII: a. Mean damage factor is quite high at 10.88% of the portfolio in the area. b. Suffered light damage (20%) i.e. 20% of portfolio, heavy damage (80%) i.e. 5% of portfolio, and total damage (100% loss) i.e. 2.5% of portfolio.

Data di atas menunjukkan daerah dengan intensitas VIII memiliki ancaman kerugian yang cukup besar dengan nilai 10.88% dari total portfolio yang berada di zona tersebut.

The data above shows that the area with intensity VIII has a threat of substantial losses to the value of 10.88% of the total portfolio in the zone.

Tabel Mean Damage / Mean Damage Table MeFactor

Damage Ratio (%)

MMI VI

MMI VIII

MMI VII

100.0%

100.0%

100.0%

80.0%

80.0%

80.0%

45.0%

45.0%

45.0%

20.0%

20.0%

20.0%

5.0%

5.0%

5.0%

0.5%

0.5%

0.5%

0.00%

5.00%

10.00%

0.00%

5.00%

10.00%

Claim Number (%)

63

0.00%

5.00%

10.00%

15.00%

20.00%

STANDARD ERROR OF CHAIN-LADDER RESERVE ESTIMATES WITHOUT TAIL FACTOR: RECURSIVE CALCULATION

PENGANTAR

INTRODUCTION

Chain-ladder merupakan salah satu

Chain-ladder method is one method

metode perhitungan cadangan klaim IBNR yang

often used by many general insurance

sering digunakan oleh industri asuransi umum di

companies in the world, including in Indonesia,

dunia, demikian juga di Indonesia. Di bawah ini

to calculate IBNR claim reserves . The following

disajikan penjelasan beserta contoh ilustrasi

is an explanation with illustrative examples

yang merujuk pada makalah Thomas Mack

which refers to a paper by Thomas Mack (1993)

(1993) tentang estimasi cadangan klaim IBNR

on estimating IBNR claims reserve using chain

menggunakan metode chain ladder dan

ladder method and calculating its standard error.

perhitungan standard error estimator. CHAIN-LADDER FACTOR

FAKTOR CHAIN-LADDER Misalkan 𝐶𝑖,𝑘 adalah besar klaim

Let 𝐶𝑖,𝑘 be a cumulative claim amount

kumulasi untuk accident year 𝑖 = 1,2, … , 𝑛 dan

for accident year 𝑖 = 1,2, … , 𝑛 and development

development year 𝑘 = 1,2, … , 𝑛.

year 𝑘 = 1,2, … , 𝑛. Below is given an

Di bawah ini diberikan contoh suatu

example of a

segitiga run-off kumulasi dengan 𝑛 = 6 (Data

cumulative run-off triangle with 𝑛 = 6 (The

yang digunakan dalam contoh ini diambil dari

data used as an example is taken from Schmidt

Schmidt (2008)):

(2008)):

Accident Year i

Development Year k 1

2

3

4

5

6

1

𝐶1,1 = 1001

𝐶1.2 = 1855

𝐶1.3 = 2423

𝐶1.4 = 2988

𝐶1.5 = 3335

𝐶1.6 = 3483

2

𝐶2,1 = 1113

𝐶2.2 = 2103

𝐶2.3 = 2774

𝐶2.4 = 3422

𝐶2.5 = 3844

3

𝐶3,1 = 1265

𝐶3.2 = 2433

𝐶3.3 = 3233

𝐶3.4 = 3977

4

𝐶4,1 = 1490

𝐶4,2 = 2873

𝐶4.3 = 3880

5

𝐶5,1 = 1725

𝐶5,2 = 3261

6

𝐶6,1 = 1889

64

Bagian atas dari suatu run-off triangle

The upper part of a run-off triangle is the

adalah hasil pengamatan atau observasi dan

observations whereas the lower part (the yellow

bagian bawah dari segitiga tersebut perlu

coloured cells) need to be estimated. The chain

ditaksir (pada tabel di atas ditandai dengan sel

ladder method is a triangular method which may

berwarna kuning). Metode chain ladder adalah

be used to estimate the lower part of the run-off

salah satu metode segitiga yang dapat

triangle.

digunakan untuk menaksir bagian bawah run-off triangle tersebut. Metode

chain-ladder

yang

akan

The chain ladder method discussed

dibahas dalam tulisan ini adalah metode chain

here is that without tail factor; hence, the

ladder tanpa tail factor; dengan kata lain

development year ends in development year 𝑛.

development year berakhir pada 𝑛. Metode chain ladder mengasumsikan

The chain ladder method assumed that

terdapat suatu development factor atau age-to-

there is a development factor or age-to-age

age factor 𝑓𝑘 sedemikian sehingga

factor 𝑓𝑘 such that

𝐸(𝐶𝑖,𝑘+1 |𝐶𝑖1 , … , 𝐶𝑖𝑘 ) = 𝐶𝑖𝑘 𝑓𝑘 𝐸(𝐶𝑖𝑛 |𝐶𝑖1 , … , 𝐶𝑖,𝑛+1−𝑖 ) = 𝐶𝑖,𝑛+1−𝑖 𝑓𝑛+1−𝑖 ∗ … ∗ 𝑓𝑛−1 Dengan

𝑓𝑘

ditaksir

menggunakan

Where 𝑓𝑘 is estimated using the

estimator.

estimator. 𝑛−𝑘

∑ 𝐶𝑖,𝑘+1 𝑓̂𝑘 = 𝑖=1 ,1 ≤ 𝑘 ≤ 𝑛−1 𝑛−𝑘 ∑𝑖=1 𝐶𝑖𝑘

Contoh:

Example:

𝑓̂1 =

1855 + 2103 + ⋯ + 3261 = 1,899454 1001 + 1113 + ⋯ + 1725

𝑓̂2 =

2423 + 2774 + ⋯ + 3880 = 1,3288 1855 + 2103 + ⋯ + 2873

𝑓̂3 =

2988 + 3422 + 3977 = 1,232147 2423 + 2774 + 3233

dst.

and so forth 65

Sehingga diperoleh tabel development

Hence, a table of development factors

factor 𝑓̂𝑘 di bawah ini:

𝑓̂𝑘 below is obtained: Development Year 𝒌

1 𝑓̂

2

1,899454

PERHITUNGAN

3

1,3288

REKURSIF

4

1,232147

5

1,119969

RECURSIVE

“STANDARD

6

1,044378

CALCULATION

OF

THE

STANDARD ERROR

ERROR” Untuk menghitung standard error dari

To calculate the standard error of the

taksiran segitiga bawah, sebelumnya harus

estimated lower triangle of a run-off triangle, 𝜎̂𝑘2

dihitung 𝜎̂𝑘2 , yaitu:

need to be calculated, that is:

𝜎̂𝑘2

=

1

∑𝑛−𝑘 𝐶 𝑛−𝑘−1 𝑖=1 𝑖𝑘

(

𝐶𝑖,𝑘+1 𝐶𝑖,𝑘

Where:

Dengan: 2 𝜎̂𝑛−1 = 𝑚𝑖𝑛 (

4 𝜎̂𝑛−2 2 2 ) ) , 𝑚𝑖𝑛(𝜎̂𝑛−3 , 𝜎̂𝑛−2 2 𝜎̂𝑛−3

Example:

Contoh: 𝜎̂12 =

𝜎̂22 =

2

− 𝑓̂𝑘 ) , 1 ≤ 𝑘 ≤ 𝑛 − 2

1 × {[1001 × (1.85315 − 1.89945)2 ] + ⋯ + [1725 × (1.89043 − 1.89945)2 ]} 6−1−1 = 1,087026 1 × {[1855 × (1.3062 − 1.3288)2 ] + ⋯ + [2873 × (1.3505 − 1.3288)2 ]} = 0,833379 6−2−1

𝜎̂52 = 𝑚𝑖𝑛 (

0,0824292 , 𝑚𝑖𝑛(0,010814 ; 0,082429)) = 0,010814 0,010814

Dari perhitungan di atas, diperoleh tabel

From the calculation above 𝜎̂𝑘2 is

𝜎̂𝑘2 berikut:

𝝈 ̂𝟐

obtained as shown below:

Development Year 𝒌 1 2 3 4 5 1,087026 0,833379 0,010814 0,082429 0,010814 66

Berikut

adalah

untuk

Here is the formula to calculate the

menghitung standard error dari 𝐶̂𝑖𝑛 , yang

standard error of 𝐶̂𝑖𝑛 , which will be used to

kemudian

menghitung

calculate the standard error of 𝑅̂𝑖 = 𝐶̂𝑖𝑛 −

standard error dari 𝑅̂𝑖 = 𝐶̂𝑖𝑛 − 𝐶𝑖,𝑛+1−𝑖 yang

𝐶𝑖,𝑛+1−𝑖 , an estimator of claim reserves 𝑅𝑖 =

merupakan estimator cadangan klaim 𝑅𝑖 =

𝐶𝑖𝑛 − 𝐶𝑖,𝑛+1−𝑖

digunakan

formula untuk

𝐶𝑖𝑛 − 𝐶𝑖,𝑛+1−𝑖 ̂̂ ) = (𝑠. 𝑒. (𝐶̂ ))2 = 𝐶̂ 2 𝑚𝑠𝑒(𝑅 𝑖 𝑖𝑛 𝑖𝑛

𝑛−1

∑ 𝑘=𝑛+1−𝑖

Contoh:

𝜎̂𝑘2 1 1 + 𝑛−𝑘 ) ( 2 𝑓̂𝑘 𝐶̂𝑖𝑘 ∑𝑗=1 𝐶𝑗𝑘

Example: 2

2

2

2

2

2

̂1 )) = 0 , karena (𝑘 = 𝑛 + 1 − 1) > (𝑛 − 1) (𝑠. 𝑒. (𝐶̂16 )) = (𝑠. 𝑒. (𝑅 ̂2 )) = 4014.592 × {[ (𝑠. 𝑒. (𝐶̂26 )) = (𝑠. 𝑒. (𝑅

0.01081 1 1 ×( + )]} = 89,48 2 1.04438 3844 3335

̂3 )) (𝑠. 𝑒. (𝐶̂36 )) = (𝑠. 𝑒. (𝑅

0.08243 1 1 0.01081 1 1 = 4651.782 × {[ ×( + )] + [ ×( + )]} 1.119972 3977 2988 + 3422 1.044382 4454.12 3335 = 691,90

dst.

and so forth. Dari perhitungan di atas, diperoleh tabel

From the calculation above, the table of

2

2

standard error (𝑠. 𝑒. (𝑅𝑖 )) berikut:

standard error (𝑠. 𝑒. (𝑅𝑖 )) below is obtained: 𝟐

̂𝒊 )) (𝒔. 𝒆. (𝑹

Accident Year 𝒊

1

-

2

89,48

3

691,90

4

985,08

5

8.789,30

6

19.638,88

67

𝟐

𝟐

̂ )) ,tidak Untuk memperoleh (𝒔. 𝒆. (𝑹

̂ )) , we cannot To obtain the (𝒔. 𝒆. (𝑹

bisa hanya dengan menambahkan nilai-nilai 𝟐

̂𝒊 )) , 𝟐 ≤ 𝒊 ≤ 𝒏, (𝒔. 𝒆. (𝑹

karena

simply

add

together

the

values

𝟐

mereka

̂𝒊 )) , 𝟐 ≤ 𝒊 ≤ 𝒏, because they are (𝒔. 𝒆. (𝑹

berkorelasi melalui estimator 𝒇̂𝒌 dan 𝝈̂𝒌. Oleh

correlated via common estimator 𝒇̂𝒌 dan 𝝈̂𝒌.

karena itu digunakan fungsi berikut:

Therefore, the following function is used:

𝑛

𝑛

𝑛−1

𝑖=2

𝑗=𝑖+1

𝑘=𝑛+1−𝑖

𝟐 2 ̂̂ ) = (𝒔. 𝒆. (𝑹 ̂ ̂ )) = ∑ (𝑠. 𝑒. (𝑅̂𝑖 )) + 𝐶̂ 𝑚𝑠𝑒(𝑅 𝑖𝑛 ( ∑ 𝐶𝑗𝑛 )

{

Contoh:

∑

2𝜎̂𝑘2 ⁄̂2 𝑓𝑘 ∑𝑛−𝑘 𝑚=1 𝐶𝑚𝑘 }

Example:

6

𝟐

6

2

6−1

̂ ̂ )) = ∑ (𝑠. 𝑒. (𝑅̂𝑖 )) + 𝐶̂ (𝒔. 𝒆. (𝑹 𝑖6 ( ∑ 𝐶𝑗6 ) 𝑖=2

𝑗=𝑖+1

{

KESIMPULAN

∑ 𝑘=6+1−𝑖

2𝜎̂𝑘2 ⁄̂2 𝑓𝑘 6−𝑘 ∑𝑚=1 𝐶𝑚𝑘

= 40.699,65 }

CONCLUSION

Dari perhitungan di atas diperoleh

From the calculation above, it is

standard error sebesar √40.699,65 = 201,74.

obtained that the standard error is equal to

Apabila asumsi kenormalan dapat digunakan,

√40.699,65 = 201,74. If a normal assumption

̂̂ 𝜇̂ 𝑂𝑆 ~ 𝑁 (𝑅, 𝑚𝑠𝑒(𝑅 ))

̂̂ is probable, then 𝜇̂ 𝑂𝑆 ~ 𝑁 (𝑅, 𝑚𝑠𝑒(𝑅 )) with

dengan 𝜇̂ 𝑂𝑆 adalah estimasi cadangan IBNR.

𝜇̂ 𝑂𝑆 is an estimate of the IBNR reserve. Using

Menggungakan

dapat

that assumption, it possible to obtain an

ditentukan suatu estimasi cadangan dengan

estimate of the reserve with “a probability of

“tingkat kecukupan”, misalnya, 75% dan 95%.

confidence” of, for example, 75% and 95%.

maka

diasumsikan

asumsi

tersebut,

REFERENSI/REFERENCE 1. Mack, Th. (1993), Distribution-Free Calculation of the Standard Error of Chain Ladder Reserve Estimates. ASTIN Bulletin, 23, 213-225. 2. Schmidt, K.D. (2008), Bornhuetter-Ferguson as a General Principle of Loss Reserving. ASTIN Conference, 1-133. 68

Lampiran 1 / Attachment 1

GLOSSARIES 1.

2.

OCCUPATION A

-

AGRICULTURAL

C

-

COMMERCIAL

I

-

INDUSTRIAL

R

-

RESIDENTIAL

:

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

-

Banda Aceh

1.2

-

Medan

1.3

-

Others

1

-

North Sumatera

2.1

-

Padang

2.2

-

Palembang

2.3

-

Others

2

-

South Sumatera

3.1

-

DKI Jakarta

3.2

-

Bandung

3.3

-

Others

3

-

DKI & West java

4.1

-

Semarang

4.2

-

Yogyakarta 69

3.

4.3

-

Others

4

-

DIY & Central Java

5.1

-

Surabaya

5.2

-

Others

5

-

East Java

6

-

Kalimantan

7.1

-

Ujung Pandang

7.2

-

Others

7

-

Sulawesi

8

-

Other Islands

f

:

Frequencies

F

:

Accumulations of frequencies

Cum :

4.

Cumulative (increasing in amount by one addition after another)

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

5.

Sum Insured The Sum Insured represents 100% Sum Insured

6.

Gross Premium Gross Premium represent 100% premium

7.

Loss Ratio The percentage ratio of Incurred claims to Gross Premium

70


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

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

< 9 Storeys > 9 Storeys

Others

Zona I 0,90 1,35 1,00

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

Zona V 1,90 2,00 4,70

Zona I 0,85 0,90

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

Zona V 1,60 4,50

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

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

DEFINISI COMMERCIAL AND INDUSTRIAL

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



Steel Frame

: struktur bangunan yang menggunakan Baja sebagai rangkanya



Wood

: struktur bangunan yang menggunakan kayu sebagai rangkanya



Reinforced Concrete

: struktur bangunan yang menggunakan beton bertulang sebagai rangkanya

71



Others (Incl. No Frame)

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

DWELLING HOUSE 

Steel, Wood or RC Frame

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



Others

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

72


(sumber:Lampiran IV Surat Edaran OJK Nomor: SE-06/D.05/2013, tanggal 31 Desember 2013) 73


TARIF SUKU PREMI KURANG DARI 12 BULAN JANGKA WAKTU

PROSENTASI TARIP TAHUNAN

3 hari

5%

10 hari

10%

1 bulan

20%

1.5 bulan

25%

2 bulan

30%

3 bulan

40%

4 bulan

50%

5 bulan

60%

6 bulan

70%

7 bulan

75%

8 bulan

80%

9 bulan

85%

10 bulan

90%

11 bulan

95%

lebih dari 11 bulan dihitung tarip suku premi penuh

74


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

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

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

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

75


CRESTA ZONE dan Zona Provinsi Nanggroe Aceh Darussalam

Sumatra Utara

Cresta

Zona

KAB. SIMEULUE

Kota/ Kabupaten

1.3

5

KAB. ACEH SINGKIL

1.3

5

KAB. ACEH SELATAN

1.3

5

KAB. ACEH TENGGARA

1.3

5

KAB. ACEH TIMUR

1.3

4

KAB. ACEH TENGAH

1.3

4

KAB. ACEH BARAT

1.3

5

KAB. ACEH BESAR

1.3

5

KAB. PIDIE

1.3

5

KAB. BIREUEN

1.3

4

KAB. ACEH UTARA

1.3

3

KAB. ACEH BARAT DAYA

1.3

5

KAB. GAYO LUES

1.3

5

KAB. ACEH TAMIANG

1.3

4

KAB. NAGANRAYA

1.3

5

KAB. ACEH JAYA

1.3

5

KAB. BENER MERIAH

1.3

4

KAB. PIDIE JAYA

1.3

5

KOTA BANDA ACEH

1.1

5

KOTA SABANG

1.3

5

KOTA LANGSA

1.3

4

KOTA LHOKSEUMAWE

1.3

3

KOTA SUBULUSSALAM

1.3

5

KAB. NIAS

1.3

5

KAB. MANDAILING NATAL

1.3

4

KAB. TAPANULI SELATAN

1.3

4

KAB. TAPANULI TENGAH

1.3

5

KAB. TAPANULI UTARA

1.3

5

KAB. TOBA SAMOSIR

1.3

4

KAB. LABUHAN BATU

1.3

3

KAB. ASAHAN

1.3

3

KAB. SIMALUNGUN

1.3

4

KAB. DAIRI

1.3

4

KAB. KARO

1.3

4

KAB. DELI SERDANG

1.3

3

KAB. LANGKAT

1.3

3

KAB. NIAS SELATAN

1.3

5

KAB. HUMBANG HASUNDUTAN

1.3

5

KAB. PAKPAK BHARAT

1.3

4

KAB. SAMOSIR

1.3

4

KAB. SERDANG BEDAGAI

1.3

3

KAB. PADANG LAWAS

1.3

4

KAB. BATUBARA

1.3

3

KAB. ANGKOLA SIPIROK

1.3

4

KOTA SIBOLGA

1.3

5

KOTA TANJUNG BALAI

1.3

3

KOTA PEMATANG SIANTAR

1.3

4

KOTA TEBING TINGGI

1.3

3

KOTA MEDAN

1.2

3

KOTA BINJAI

1.3

3

KOTA PADANG SIDEMPUAN

1.3

4

76

Provinsi Sumatra Barat

Riau

Jambi

Sumatra Selatan

Cresta

Zona

KAB. KEPULAUAN MENTAWAI

Kota/ Kabupaten

2.3

5

KAB. PESISIR SELATAN

2.3

5

KAB. SOLOK

2.3

5

KAB. SAWAHLUNTO SIJUNJUNG

2.3

4

KAB. TANAH DATAR

2.3

4

KAB. PADANG PARIAMAN

2.3

5

KAB. AGAM

2.3

5

KAB. LIMA PULUH KOTA

2.3

4

KAB. PASAMAN

2.3

3

KAB. SOLOK SELATAN

2.3

5

KAB. DHARMASRAYA

2.3

3

KAB. PASAMAN BARAT

2.3

4

KOTA PADANG

2.1

5

KOTA SOLOK

2.3

5

KOTA SAWAHLUNTO

2.3

4

KOTA PADANGPANJANG

2.3

5

KOTA BUKITTINGGI

2.3

5

KOTA PAYAKUMBUH

2.3

4

KOTA PARIAMAN

2.3

5

KAB. KUANTAN SINGINGI

2.3

3

KAB. INDRAGIRI HULU

2.3

2

KAB. INDRAGIRI HILIR

2.3

2

KAB. PELALAWAN

2.3

2

KAB. SIAK

2.3

2

KAB. KAMPAR

2.3

3

KAB. ROKAN HULU

2.3

3

KAB. BENGKALIS

2.3

2

KAB. ROKAN HILIR

2.3

2

KOTA PEKANBARU

2.3

3

KOTA DUMAI

2.3

2

KAB. KERINCI

2.3

5

KAB. MERANGIN

2.3

4

KAB. SAROLANGUN

2.3

3

KAB. BATANGHARI

2.3

2

KAB. MUARO JAMBI

2.3

2

KAB. TANJUNG JABUNG TIMUR

2.3

2

KAB. TANJUNG JABUNG BARAT

2.3

2

KAB. TEBO

2.3

3

KAB. BUNGO

2.3

3

KOTA JAMBI

2.3

2

KAB. OGAN KOMERING ULU

2.3

3

KAB. OGAN KOMERING ILIR

2.3

2

KAB. MUARAENIM

2.3

3

KAB. LAHAT

2.3

3

KAB. MUSI RAWAS

2.3

4

KAB. MUSI BANYUASIN

2.3

3

KAB. BANYUASIN

2.3

3

KAB. OGAN KOMERING ULU SE

2.3

4

KAB. OGAN KOMERING ULU TI

2.3

3

KAB. OGAN ILIR

2.3

2

KAB. EMPAT LAWANG

2.3

4

KOTA PALEMBANG

2.2

2

KOTA PRABUMULIH

2.3

3

KOTA PAGARALAM

2.3

4

KOTA LUBUKLINGGAU

2.3

4

77

Provinsi Bengkulu

Lampung

Kepulauan Bangka Belitung

Kepulauan Riau

Banten

Daerah Khusus Ibukota Jakarta

Kota/ Kabupaten

Cresta

Zona

KAB. BENGKULU SELATAN

2.3

5

KAB. REJANG LEBONG

2.3

5

KAB. BENGKULU UTARA

2.3

5

KAB. KAUR

2.3

5

KAB. SELUMA

2.3

5

KAB. MUKOMUKO

2.3

5

KAB. LEBONG

2.3

5

KAB. KEPAHIANG

2.3

5

KOTA BENGKULU

2.3

5

KAB. LAMPUNG BARAT

2.3

5

KAB. TANGGAMUS

2.3

5

KAB. LAMPUNG SELATAN

2.3

4

KAB. LAMPUNG TIMUR

2.3

3

KAB. LAMPUNG TENGAH

2.3

3

KAB. LAMPUNG UTARA

2.3

3

KAB. WAY KANAN

2.3

3

KAB. TULANG BAWANG

2.3

3

KAB. PESAWARAN

2.3

4

KOTA BANDAR LAMPUNG

2.3

4

KOTA METRO

2.3

3

KAB. BANGKA

2.3

1

KAB. BELITUNG

2.3

1

KAB. BANGKA BARAT

2.3

1

KAB. BANGKA TENGAH

2.3

1

KAB. BANGKA SELATAN

2.3

2

KAB. BELITUNG TIMUR

2.3

1

KOTA PANGKAL PINANG

2.3

1

KAB. KARIMUN

2.3

1

KAB. BINTAN

2.3

1

KAB. NATUNA

2.3

1

KAB. LINGGA

2.3

1

KOTA BATAM

2.3

1

KOTA TANJUNG PINANG

2.3

1

KAB. PANDEGLANG

3.3

5

KAB. LEBAK

3.3

4

KAB. TANGERANG

3.3

4

KAB. SERANG

3.3

4

KOTA TANGERANG

3.3

4

KOTA CILEGON

3.3

4

KOTA SERANG

3.3

4

KAB. KEPULAUAN SERIBU

3.1

3

KOTA JAKARTA SELATAN

3.1

4

KOTA JAKARTA TIMUR

3.1

4

KOTA JAKARTA PUSAT

3.1

4

KOTA JAKARTA BARAT

3.1

4

KOTA JAKARTA UTARA

3.1

4

78

Provinsi Jawa Barat

Jawa Tengah

Kota/ Kabupaten

Cresta

Zona

KAB. BOGOR

3.3

4

KAB. SUKABUMI

3.3

4

KAB. CIANJUR

3.3

4

KAB. BANDUNG

3.3

4

KAB. GARUT

3.3

4

KAB. TASIKMALAYA

3.3

4

KAB. CIAMIS

3.3

4

KAB. KUNINGAN

3.3

4

KAB. CIREBON

3.3

3

KAB. MAJALENGKA

3.3

4

KAB. SUMEDANG

3.3

3

KAB. INDRAMAYU

3.3

3

KAB. SUBANG

3.3

4

KAB. PURWAKARTA

3.3

4

KAB. KARAWANG

3.3

f

KAB. BEKASI

3.3

4

KAB. BANDUNG BARAT

3.3

4

KOTA BOGOR

3.3

4

KOTA SUKABUMI

3.3

4

KOTA BANDUNG

3.2

4

KOTA CIREBON

3.3

3

KOTA BEKASI

3.3

4

KOTA DEPOK

3.3

4

KOTA CIMAHI

3.3

4

KOTA TASIKMALAYA

3.3

4

KOTA BANJAR

3.3

4

KAB. CILACAP

4.3

4

KAB. BANYUMAS

4.3

3

KAB. PURBALINGGA

4.3

3

KAB. BANJARNEGARA

4.3

4

KAB. KEBUMEN

4.3

4

KAB. PURWOREJO

4.3

4

KAB. WONOSOBO

4.3

4

KAB. MAGELANG

4.3

4

KAB. BOYOLALI

4.3

3

KAB. KLATEN

4.3

4

KAB. SUKOHARJO

4.3

4

KAB. WONOGIRI

4.3

4

KAB. KARANGANYAR

4.3

3

KAB. SRAGEN

4.3

3

KAB. GROBOGAN

4.3

3

KAB. BLORA

4.3

3

KAB. REMBANG

4.3

3

KAB. PATI

4.3

3

KAB. KUDUS

4.3

3

KAB. JEPARA

4.3

3

KAB. DEMAK

4.3

3

KAB. SEMARANG

4.3

3

KAB. TEMANGGUNG

4.3

3

KAB. KENDAL

4.3

3

KAB. BATANG

4.3

3

79

Provinsi Jawa Tengah

Daerah Istimewa Yogyakarta

Jawa Timur

Cresta

Zona

KAB. PEKALONGAN

Kota/ Kabupaten

4.3

3

KAB. PEMALANG

4.3

3

KAB. TEGAL

4.3

4

KAB. BREBES

4.3

3

KOTA MAGELANG

4.3

3

KOTA SURAKARTA

4.3

3

KOTA SALATIGA

4.3

3

KOTA SEMARANG

4.1

3

KOTA PEKALONGAN

4.3

3

KOTA TEGAL

4.3

3

KAB. KULON PROGO

4.3

4

KAB. BANTUL

4.3

4

KAB. GUNUNG KIDUL

4.3

4

KAB. SLEMAN

4.3

4

KOTA YOGYAKARTA

4.2

4

KAB. PACITAN

5.2

4

KAB. PONOROGO

5.2

4

KAB. TRENGGALEK

5.2

4

KAB. TULUNGAGUNG

5.2

4

KAB. BLITAR

5.2

4

KAB. KEDIRI

5.2

4

KAB. MALANG

5.2

4

KAB. LUMAJANG

5.2

4

KAB. JEMBER

5.2

3

KAB. BANYUWANGI

5.2

4

KAB. BONDOWOSO

5.2

3

KAB. SITUBONDO

5.2

3

KAB. PROBOLINGGO

5.2

3

KAB. PASURUAN

5.2

3

KAB. SIDOARJO

5.2

3

KAB. MOJOKERTO

5.2

3

KAB. JOMBANG

5.2

3

KAB. NGANJUK

5.2

3

KAB. MADIUN

5.2

3

KAB. MAGETAN

5.2

3

KAB. NGAWI

5.2

3

KAB. BOJONEGORO

5.2

3

KAB. TUBAN

5.2

3

KAB. LAMONGAN

5.2

3

KAB. GRESIK

5.2

3

KAB. BANGKALAN

5.2

3

KAB. SAMPANG

5.2

3

KAB. PAMEKASAN

5.2

3

KAB. SUMENEP

5.2

3

KOTA KEDIRI

5.2

4

KOTA BLITAR

5.2

4

KOTA MALANG

5.2

4

KOTA PROBOLINGGO

5.2

3

KOTA PASURUAN

5.2

3

KOTA MOJOKERTO

5.2

3

KOTA MADIUN

5.2

3

KOTA SURABAYA

5.1

3

KOTA BATU

5.2

4

80

Provinsi Bali

Nusa Tenggara Barat

Nusa Tenggara Timur

Kalimantan Barat

Cresta

Zona

KAB. JEMBRANA

Kota/ Kabupaten

8

4

KAB. TABANAN

8

4

KAB. BADUNG

8

4

KAB. GIANYAR

8

4

KAB. KLUNGKUNG

8

4

KAB. BANGLI

8

4

KAB. KARANGASEM

8

5

KAB. BULELENG

8

4

KOTA DENPASAR

8

4

KAB. LOMBOK BARAT

8

5

KAB. LOMBOK TENGAH

8

4

KAB. LOMBOK TIMUR

8

4

KAB. SUMBAWA

8

4

KAB. DOMPU

8

5

KAB. BIMA

8

4

KAB. SUMBAWA BARAT

8

4

KOTA MATARAM

8

5

KOTA BIMA

8

4

KAB. SUMBA BARAT

8

5

KAB. SUMBA TIMUR

8

4

KAB. KUPANG

8

4

KAB. TIMOR TENGAH SELATAN

8

5

KAB. TIMOR TENGAH UTARA

8

5

KAB. BELU

8

5

KAB. ALOR

8

5

KAB. LEMBATA

8

5

KAB. FLORES TIMUR

8

4

KAB. SIKKA

8

4

KAB. ENDE

8

4

KAB. NGADA

8

4

KAB. MANGGARAI

8

4

KAB. ROTE NDAO

8

4

KAB. MANGGARAI BARAT

8

4

KAB. MANGGARAI TIMUR

8

4

KAB. NAGEKEO

8

5

KAB. SUMBA BARAT DAYA

8

5

KAB. SUMBA TENGAH

8

5

KOTA KUPANG

8

4

KAB. SAMBAS

6

1

KAB. BENGKAYANG

6

1

KAB. LANDAK

6

1

KAB. PONTIANAK

6

1

KAB. SANGGAU

6

1

KAB. KETAPANG

6

1

KAB. SINTANG

6

1

KAB. KAPUAS HULU

6

1

KAB. SEKADAU

6

1

KAB. MELAWI

6

1

KAB. KAYONG UTARA

6

1

KAB. KUBU RAYA

6

1

KOTA PONTIANAK

6

1

KOTA SINGKAWANG

6

1

81

Provinsi Kalimantan Tengah

Kalimantan Selatan

Kalimantan Timur

Sulawesi Utara

Cresta

Zona

KAB. KOTAWARINGIN BARAT

Kota/ Kabupaten

6

1

KAB. KOTAWARINGIN TIMUR

6

1

KAB. KAPUAS

6

1

KAB. BARITO SELATAN

6

1

KAB. BARITO UTARA

6

1

KAB. SUKAMARA

6

1

KAB. LAMANDAU

6

1

KAB. SERUYAN

6

1

KAB. KATINGAN

6

1

KAB. PULANG PISAU

6

1

KAB. GUNUNG MAS

6

1

KAB. BARITO TIMUR

6

1

KAB. MURUNG RAYA

6

1

KOTA PALANGKARAYA

6

1

KAB. TANAH LAUT

6

1

KAB. KOTABARU

6

1

KAB. BANJAR

6

1

KAB. BARITO KUALA

6

1

KAB. TAPIN

6

1

KAB. HULU SUNGAI SELATAN

6

1

KAB. HULU SUNGAI TENGAH

6

1

KAB. HULU SUNGAI UTARA

6

1

KAB. TABALONG

6

1

KAB. TANAH BUMBU

6

1

KAB. BALANGAN

6

1

KOTA BANJARMASIN

6

1

KOTA BANJARBARU

6

1

KAB. PASIR

6

1

KAB. KUTAI BARAT

6

1

KAB. KUTAI KARTANEGARA

6

1

KAB. KUTAI TIMUR

6

2

KAB. BERAU

6

3

KAB. MALINAU

6

2

KAB. BULUNGAN

6

3

KAB. NUNUKAN

6

2

KAB. PENAJAM PASER UTARA

6

1

KAB. TANA TIDUNG

6

2

KOTA BALIKPAPAN

6

1

KOTA SAMARINDA

6

1

KOTA TARAKAN

6

2

KOTA BONTANG

6

2

KAB. BOLAANG MONGONDOW

7.2

5

KAB. MINAHASA

7.2

5

KAB. KEPULAUAN SANGIHE

7.2

5

KAB. KEPULAUAN TALAUD

7.2

5

KAB. MINAHASA SELATAN

7.2

5

KAB. MINAHASA UTARA

7.2

5

KAB. BOLAANG MONGONDOW UT

7.2

5

KAB. KEPULAUAN SITARO

7.2

5

KAB. MINAHASA TENGGARA

7.2

5

KOTA MANADO

7.2

5

KOTA BITUNG

7.2

5

KOTA TOMOHON

7.2

5

KOTA KOTAMOBAGU

7.2

5

82

Provinsi Sulawesi Tengah

Sulawesi Selatan

Sulawesi Tenggara

Gorontalo

Kota/ Kabupaten

Cresta

Zona

KAB. BANGGAI KEPULAUAN

7.2

4

KAB. BANGGAI

7.2

5

KAB. MOROWALI

7.2

3

KAB. POSO

7.2

4

KAB. DONGGALA

7.2

4

KAB. TOLI-TOLI

7.2

5

KAB. BUOL

7.2

5

KAB. PARIGI MOUTONG

7.2

5

KAB. TOJO UNA-UNA

7.2

4

KOTA PALU

7.2

4

KAB. SELAYAR

7.2

2

KAB. BULUKUMBA

7.2

2

KAB. BANTAENG

7.2

2

KAB. JENEPONTO

7.2

2

KAB. TAKALAR

7.2

2

KAB. GOWA

7.2

2

KAB. SINJAI

7.2

2

KAB. MAROS

7.2

2

KAB. PANGKAJENE KEPULAUAN

7.2

2

KAB. BARRU

7.2

3

KAB. BONE

7.2

2

KAB. SOPPENG

7.2

3

KAB. WAJO

7.2

3

KAB. SIDENRENG RAPPANG

7.2

3

KAB. PINRANG

7.2

3

KAB. ENREKANG

7.2

3

KAB. LUWU

7.2

3

KAB. TANAH TORAJA

7.2

4

KAB. LUWU UTARA

7.2

3

KAB. LUWU TIMUR

7.2

3

KOTA MAKASSAR

7.1

2

KOTA PARE-PARE

7.2

3

KOTA PALOPO

7.2

3

KAB. BUTON

7.2

3

KAB. MUNA

7.2

3

KAB. KONAWE

7.2

3

KAB. KOLAKA

7.2

3

KAB. KONAWE SELATAN

7.2

3

KAB. BOMBANA

7.2

3

KAB. WAKATOBI

7.2

3

KAB. KOLAKA UTARA

7.2

3

KAB. BUTON UTARA

7.2

4

KAB. KONAWE UTARA

7.2

3

KOTA KENDARI

7.2

4

KOTA BAU-BAU

7.2

3

KAB. BOALEMO

7.2

5

KAB. GORONTALO

7.2

5

KAB. POHUWATO

7.2

5

KAB. BONE BOLANGO

7.2

5

KAB. GORONTALO UTARA

7.2

5

KOTA GORONTALO

7.2

5

83

Provinsi Sulawesi Barat

Maluku

Maluku Utara

Papua Barat

Papua

Kota/ Kabupaten

Cresta

Zona

KAB. MAJENE

7.2

4

KAB. MAMASA

7.2

4

KAB. MAMUJU

7.2

4

KAB. MAMUJU UTARA

7.2

3

KAB. POLEWALI MANDAR

7.2

4

KAB. MALUKU TENGGARA BARAT

8

5

KAB. MALUKU TENGGARA

8

4

KAB. MALUKU TENGAH

8

4

KAB. BURU

8

5

KAB. KEPULAUAN ARU

8

5

KAB. SERAM BAGIAN BARAT

8

4

KAB. SERAM BAGIAN TIMUR

8

5

KOTA AMBON

8

5

KOTA TUAL

8

4

KAB. HALMAHERA BARAT

8

5

KAB. HALMAHERA TENGAH

8

4

KAB. KEPULAUAN SULA

8

5

KAB. HALMAHERA SELATAN

8

5

KAB. HALMAHERA UTARA

8

5

KAB. HALMAHERA TIMUR

8

4

KOTA TERNATE

8

5

KOTA TIDORE

8

5

KAB. FAK-FAK

8

3

KAB. KAIMANA

8

3

KAB. TELUK WANDOMA

8

4

KAB. TELUK BINTUNI

8

4

KAB. MANOKWARI

8

5

KAB. SORONG SELATAN

8

3

KAB. SORONG

8

4

KAB. RAJA AMPAT

8

4

KOTA SORONG

8

3

KAB. MERAUKE

8

1

KAB. JAYAWIJAYA

8

5

KAB. JAYAPURA

8

5

KAB. NABIRE

8

5

KAB. YAPEN WAROPEN

8

4

KAB. BIAK NUMFOR

8

4

KAB. PANIAE

8

4

KAB. PUNCAK JAYA

8

3

KAB. MIMIKA

8

3

KAB. BOVEN DIGOEL

8

2

KAB. MAPPI

8

2

KAB. ASMAT

8

2

KAB. YAHUKIMO

8

5

KAB. PEGUNUNGAN BINTANG

8

4

KAB. TOLIKARA

8

5

KAB. SARMI

8

5

KAB. KEEROM

8

5

KAB. WAROPEN

8

4

KAB. SUPIORI

8

4

KOTA JAYAPURA

8

5

84

PT REASURANSI MAIPARK INDONESIA

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