w w w. m a i p a r k. c o m PT Reasuransi MAIPARK Indonesia

w w w .m a ip a r k .c o m

PT Reasuransi MAIPARK Indonesia

Kata Pengantar Foreword

Dengan Hormat,

Dear Sir / Madam,

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

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

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

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

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

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

Hormat kami,

Sincerely,

Bisma Subrata Director

i

Daftar Isi Content Hal.

Page

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

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

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

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

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

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

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

Statistic Overview of Indonesian Earthquake Insurance December 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











iii


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



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


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


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


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

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

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2010 .... 59

Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY 2010 ………………….59

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2011 ..... 60

Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY 2011 ..................... 60









Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2010 .......... 64

Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY 2010 …………………..64

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2011 ........... 65

Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY 2011 ...................... 65







iv



Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2010 .......... 69

Exposure, Gross Premium, Number of Risks & Claim by Province, UY 2010 ……………………….69

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2011 ........... 70

Exposure, Gross Premium, Number of Risks & Claim by Province, UY 2011 .......................... 70







Peta

Map

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 31 Desember 2014 …….. ................................... 74

Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2014, as at 31 December 2014 ............................................ 74

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2014 ……................................ 75

Indonesian Earthquake Distribution M > 5 and Claim Incurred 2014 …………………………..….. ... 75

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 31 Desember 2014, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY 2014…………………………………………………………..76

Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2014, as at 31 December 2014, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2014.. ...................................................................... 76

Damage Ratio ……………….. ............................ 77

Damage Ratio ……………….. ............................ 77

Ulasan Aktuaria……………………………….…………80

Actuarial Commentary ……..…………….…………80

Lampiran

Attachments

1.

Daftar Istilah ..........................................89

1.

Glossaries .............................................. 89

2.

Tarif Asuransi Gempa Bumi Indonesia …. ................................................................91

2.

Indonesian Earthquake Insurance Tariff .. ............................................................... 91

3.

Skala First Loss .......................................93

3.

First Loss Scale ................... …………………93

4.

Tabel jangka Waktu Pertanggungan Kurang Dari Satu Tahun ........................94

4.

5.

Skala Indemnity Period ..........................95

6.

Tabel Cresta Zone dan Zona ………………..96

5. 6.

Short Period Table Less Than One Year Period………………………………………………….94 Indemnity Period Scale…………………………95 Cresta Zone and Zone Table…………………96

v

Referensi

Reference

1. 2.

1. 2.

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

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

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

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

vi

Informasi Statistik Statistic Information

1.

Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 31 Desember 2014.

1.

Statistic Report is based on Underwriting Year basis, which is recorded as at 31 December 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. 

vii

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

viii

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.

ix

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.

x

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.

xi

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 December 2014 A. Umum

A. General

Berdasarkan data Badan Pusat Statistik,

Based on Central of Statistics Bureau Data,

Perekonomian Indonesia pada tahun 2014

Indonesian economic in 2014 as measured by

sebagaimana diukur dari Produk Domestik

Gross Domestic Product (GDP) increased by

Bruto

5,02%

5.02% compared with 2013. Gross Domestic

Produk

Product (GDP) based on Constant Price 2010 in

Domestik Bruto (PDB) Indonesia atas dasar

2014 reached the amount of Rp.8,568.1 trillion

harga konstan 2010 pada tahun 2014 mencapai

while in 2013 was Rp.8,152.2 trillion. If it is

Rp.8.568,1 triliun sedangkan pada tahun 2013

based on Current Market Price, GDP in 2014

sebesar

was Rp.10,542.7 trillion while in 2013 was

(PDB),

dibandingkan

tumbuh tahun

Rp.8.158,2

sebesar

2013.

triliun.

Nilai

Bila

dilihat

Rp.9,524.7trillion

berdasarkan harga berlaku, PDB tahun 2014 adalah sebesar Rp.10.542,7 triliun sedangkan tahun 2013 adalah Rp.9.524,7triliun.

B. Market Structure

B. Struktur Pasar Berdasarkan data Otoritas Jasa Keuangan

Based on Financial Services Authority data

pada buku Direktori Perasuransian Indonesia

in the book of Indonesian Insurance Directory

2014:

Bank

2014: Non Bank Financial Institution Insurance,

perusahaan

there are 82 general insurers having operating

Industri

Perasuransian,

Keuangan terdapat

82

Non

licenses in Indonesia.

asuransi umum yang memiliki izin beroperasi di Indonesia.

C. Gross Premium

C. Premi Bruto Sampai dengan 31 Desember 2014, premi

As at 31 December 2014, earthquake gross

bruto asuransi gempa bumi Underwriting Year

premium for Underwriting Year 2010 was Rp.

2010 adalah sebesar Rp. 2.116,7 miliar. Premi

2,116.7 billion. Gross premium for Underwriting

bruto untuk Underwriting Year 2011 tercatat

Year 2011 was recorded

1

Rp.

2.814,2

miliar,

sedangkan

untuk

Rp. 2,814.2 billion, while for Underwriting Year

Underwriting Year 2012 adalah Rp. 2.641,6

2012 was Rp. 2,641.6 billion. For Underwriting

miliar. Untuk Underwriting Year 2013 dan 2014

Year 2013 and 2014 were Rp. 4,251.6 billion

adalah Rp. 4.251,6 miliar dan Rp. 2.363,3 miliar.

and Rp. 2,363.3 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 47% dari

Commercial, Residential), that is above 47 %

total premi.

from premium total.

Meskipun okupasi Komersial, Residensial

Although

occupation

of

Commercial,

dan Agrikultural tidak memberikan kontribusi

Residential and Agricultural do not contribute

premi sebesar okupasi Industrial, namun ketiga

premium as much as Industrial occupation,

okupasi tersebut memperlihatkan pertumbuhan

those three occupation show significant

premi yang cukup signifikan. Hal ini terlihat

premium growth. In this case, the premium

terutama pada premi okupasi Komersial pada

under Commercial occupation in Underwriting

Underwriting Year 2011 yang meningkat

Year 2011 increased by 72.67% from Rp.

sebesar 72,67% dari Rp. 434.837,25 juta di

434,837.25 million in Underwriting Year 2010 to

Underwriting Year 2010 menjadi Rp. 750.839,42

Rp. 750,839.42 million.

juta. Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 31 Desember 2014 Table 1.1 Gross Premium and Ratio By Occupation as at 31 December 2014 Dalam Jutaan Rupiah In Million Rupiah

Underwriting Year

Okupasi Total Agrikultural / Agricultural

Komersial / Commercial

Industri / Industrial

Residensial / Residential

2010

20,828.91

0.98%

434,837.25

20.54%

1,297,834.00

61.31%

363,193.59

17.16%

2,116,693.76

2011

23,897.32

0.85%

750,839.42

26.68%

1,697,040.24

60.30%

342,415.00

12.17%

2,814,191.97

2012

29,419.23

1.11%

642,472.64

24.32%

1,624,899.68

61.51%

344,774.72

13.05%

2,641,566.26

2013

34,876.46

0.82%

1,716,969.21

40.38%

2,026,598.04

47.67%

473,164.60

11.13%

4,251,608.32

2014

18,675.26

0.79%

619,524.06

26.21%

1,321,090.22

55.90%

404,021.79

17.10%

T OT AL

127,697.18

4,164,642.58

7,967,462.18

2

1,927,569.70

2,363,311.32 14,187,371.64

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 31 December 2014.

dengan 31 Desember 2014. Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 31 December2014 Table 1.2 Number of Risk By Occupation as at 31 December 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

481

0.26

224

0.16


C

83,091

50.49

91,412

55.09

94,353

54.55

99,888

53.23

61,308

44.46

Industrial / Industrial

I

13,867

8.43

14,995

9.04

17,098

9.89

18,149

9.67

10,516

7.63


R

67,179

40.82

59,137

35.64

61,096

35.32

69,139

36.84

65,858

47.76

164,578

100.00

165,923

100.00

172,967

100.00

187,657

100.00

137,906

100.00

Jumlah / Total

Number of Risk By Occupation As at 31 December 2014 Industrial, 13,867

Agricultural, 420 Residential, 61,096 Residential, 67,179

Commercial, 91,412 Industrial, 14,995

Commercial, 83,091

Industrial, 17,098

Agricultural, 441

Commercial, 94,353

Residential, 59,137

Agricultural, 379

UY 2010

UY 2012

Industrial, 10,516

UY 2011


Residential, 65,858

Commercial, 61,308

Residential, 69,139 Agricultural, 481 Agricultural, 224

UY 2014

UY 2013

3

Jumlah Underwriting

risiko Year,

terbesar dalam

untuk hal

ini

setiap

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 44% from the total

44% 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,

Based on table 1.3 below, the highest

frekuensi klaim gempa bumi paling banyak

earthquake claim frequency occurred in

terjadi di Underwriting Year 2011 yaitu sebanyak

underwriting year 2011 was 86 claims and it

86 klaim dan didominasi okupasi Komersial

dominated by Commercial occupation of 61

sebanyak 61 klaim. Hal ini disebabkan oleh

claims. It was caused by Earthquakes in 2011

kejadian gempa bumi di 2011 yaitu Gempa Bumi

namely Nusa Dua Earthquake on 13 October

Nusa Dua pada tanggal 13 Oktober 2011

2011 with a magnitude of 6.8 S.R and Sibolga

dengan kekuatan 6,8 S.R dan Gempa Bumi

Earthquake on 6 November 2011 with a

Sibolga pada tanggal 6 November 2011 dengan

magnitude of 6.7 S.R.

kekuatan 6,7 S.R.

4

Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 31 Desember 2014 Table 1.3 Claim Frequency By Occupation as at 31 December 2014

Okupasi

Underwriting Year

Occupation

2010

2011

2012

2013

2014

Agrikultural / Agricultural

A

0

0

0

0

0


C

40

61

15

48

2


I

1

0

0

5

0


R

8

25

1

6

4

49

86

16

59

6

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 31 Desember 2014 Table 1.4 Frequency Incurred Claim Underwriting Year 2013 as at 31 December 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

35 4 5 4 0 2 1 5 1 0 0 0 0 0 0 0 1 0 1 0 59

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

695,607,729 265,105,818 789,206,150 1,142,500,000 0 1,346,400,000 756,636,675 6,169,977,000 1,600,000,000 0 0 0 0 0 0 0 34,833,000,000 0 272,010,000,000 0 319,608,433,372

19,874,507 66,276,455 157,841,230 285,625,000 0 673,200,000 756,636,675 1,233,995,400 1,600,000,000 0 0 0 0 0 0 0 34,833,000,000 0 272,010,000,000 0

5

Highest Claim Incurred 50,000,000 85,105,818 184,250,000 300,000,000 0 746,400,000 756,636,675 1,462,986,000 1,600,000,000 0 0 0 0 0 0 0 34,833,000,000 0 272,010,000,000 0

Lowest Claim Incurred 757,900 60,000,000 117,000,000 250,000,000 0 600,000,000 756,636,675 1,010,000,000 1,600,000,000 0 0 0 0 0 0 0 34,833,000,000 0 272,010,000,000 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 99,40% dari total klaim

occupation that is 99.40% of the total claim in

di Underwriting Year 2013 atau sebesar Rp.

Underwriting Year 2013 or Rp. 317.7 billion.

317,7 miliar. Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 31 Desember 2014 Table 1.5 Claim Amount By Occupation as at 31 December 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

42,257,418,914.28

97.42

11,884,257,307.09

97.70

1,969,759,319.05

97.52

317,694,548,449.88

99.40

75,745,036.00

0.00

760,224,542.70

1.75

0.00

0.00

0.00

0.00

1,821,282,200.00

0.57

0.00

0.00

356,785,430.40

0.82

279,190,155.04

2.30

50,000,000.00

2.48

92,602,722.00

0.03

120,000,000.00

0.00

43,374,428,887.38

100.00

12,163,447,462.13

100.00

2,019,759,319.05

100.00

319,608,433,371.88

100.00

195,745,036.00

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 31 Desember 2014.

incurred claims as at 31 December 2014. 6

Tabel 1.6 Kejadian Gempa Bumi Tahun 2014 dan Klaim per 31 Desember 2014 Table 1.6 Earthquak e Event in 2014 and Claim as at 31 December 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

6-Mar-14

5.3

7,900,000.00

1-Jul-14

5.0

1,212,875,277.06

15-Nov-14

7.3

800,000,000.00

Lombok Utara Mentawai Manado

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 31 Desember 2014 Table 1.7 Earthquak e Event in 2014 and Claim per Occupation as at 31 December 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

7,900,000.00

Kuta

09-Mar-14

0

1

0

0

0.00

15,745,036.00

0.00

0.00

Yogya

02-Apr-14

0

0

0

1

0.00

0.00

0.00

757,900.00

Tabel di bawah ini adalah daftar klaim

0.00

The table below is a list of the largest claims

terbesar sampai dengan tanggal 31 Desember

as at 31 December 2014.

2014. Daftar Klaim - Klaim Terbesar Posisi 31 Desember 2014 List of The Largest Claims as at 31 December 2014 Dalam Rupiah In Rupiah

No.

Kejadian Event


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

Klaim Claim

1

ACEH

26-12-2004

9

782,649,961,586.18

2

YOGYA

27-05-2006

5.9

268,635,542,386.91

3

PADANG

06-03-2007

5.8

22,224,113,241.32

4

BENGKULU

12-09-2007

7.9

49,044,007,333.60

5

PADANG

16-08-2009

6.9

42,782,942,555.00

6

TASIKMALAYA

02-09-2009

7.3

7

PARIAMAN

30-09-2009

7.6

1,082,395,841,788.55

8

BIMA

09-11-2009

6.7

43,046,593,135.48

9

MERAPI

25-10-2010

*)

27,499,741,856.40

KELUD

13-02-2014

*)

113,296,619,876.55

10

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

7

24,400,937,277.87

Tabel 1.8 menyajikan data jumlah polis dan

Table 1.8 shows number of policies, and

loss ratio per 31 Desember 2014. Tabel tersebut

loss ratio as at 31 December 2014. The table

menunjukkan bahwa loss ratio tertinggi berada

show that the biggest loss ratio was at

pada Underwriting Year 2013 sebesar 7,52%.

Underwriting Year 2013 i.e. 7.52%. It was

Hal ini dipengaruhi oleh nilai klaim yang cukup

influenced by large amount of claim that majority

tinggi yang mayoritas disebabkan dari Erupsi

resulting from Kelud Eruption in 2014.

Gunung Kelud tahun 2014. Tabel 1.8 Jumlah Polis dan Loss Ratio per 31 Desember 2014 Table 1.8 Number of Policies and Loss Ratio as at 31 December 2014 Underwriting

Jumlah Polis

Premi *)

Frekwensi Klaim

Jumlah Klaim *)

Year

Number of Policies

Premium *)

Claim Frequency

Incurred Claim *)

Loss Ratio

2010

116,219

2,116,693,759,345.57

49

43,374,428,887.38

2.05%

2011

117,036

2,814,191,973,988.27

86

12,163,447,462.13

0.43%

2012

111,396

2,641,566,261,742.50

16

2,019,759,319.05

0.08%

2013

108,912

4,251,608,321,234.15

59

319,608,433,371.88

7.52%

2014

23,228

2,363,311,323,210.65

6

195,745,036.00

0.01%

Keterangan : *) Dalam Rupiah In Rupiah

Tabel 1.9 menyajikan Premi dan Exposure

Table 1.9 shows Premium and Exposure as

per 31 Desember 2014.

at 31 December 2014.

Tabel 1.9 Premi dan Exposure per 31 Desember 2014 Table 1.9 Premium and Exposure as at 31 December 2014 Dalam Jutaan Rupiah In Million Rupiah

Premi

Exposure

Prem ium

Exposure

2010

2,116,693.76

1,671,531,710.28

2011

2,814,191.97

2,149,425,314.51

2012

2,641,566.26

1,929,142,715.41

2013

4,251,608.32

2,604,084,621.41

2014

2,363,311.32

1,526,171,435.16

T OT AL

14,187,371.64

9,880,355,796.77

Underwriting Year

8

National Aggregate Exposure By Cresta Zone As At 31/12/2014 Tab le 2.1

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

3,495,880,799,242.15

0.21

4,608,961,565,236.65

0.21

3,839,464,940,729.90

0.20

4,665,592,442,569.94

0.18

747,126,659,473.20

0.05

MEDAN

1.2

39,898,396,544,953.00

2.39

46,286,082,698,019.40

2.15

39,486,266,999,271.10

2.05

47,983,258,003,831.60

1.84

35,150,189,501,349.40

2.30

OTHERS

1.3

66,106,683,411,639.70

3.95

98,737,449,809,919.40

4.59

40,063,044,376,090.00

2.08

49,326,588,501,819.30

1.89

21,216,057,689,177.60

1.39

NORTH SUMATERA

1

109,500,960,755,835.00

6.55

149,632,494,073,175.00

6.96

83,388,776,316,091.00

4.32

101,975,438,948,221.00

3.92

57,113,373,850,000.20

3.74

PADANG

2.1

18,588,234,582,958.80

1.11

15,954,303,293,262.30

0.74

18,413,272,574,764.00

0.95

26,972,111,977,209.80

1.04

10,837,508,457,114.10

0.71

PALEMBANG

2.2

20,439,045,202,732.10

1.22

15,166,152,211,490.50

0.71

18,870,617,822,765.90

0.98

22,982,972,756,231.20

0.88

8,454,938,402,942.32

0.55

OTHERS

2.3

97,872,725,908,582.00

5.86

122,456,097,403,710.00

5.70

134,030,678,302,339.00

6.95

148,971,445,809,269.00

5.72

107,230,996,531,835.00

7.03

SOUTH SUMATERA

2

136,900,005,694,273.00

8.19

153,576,552,908,463.00

7.15

171,314,568,699,869.00

8.88

198,926,530,542,709.00

7.64

126,523,443,391,891.00

8.29

JAKARTA

3.1

304,824,691,069,791.00

18.24

464,405,939,083,112.00

21.61

398,765,147,964,504.00

20.67

432,489,535,629,069.00

16.61

354,181,355,824,607.00

23.21

BANDUNG

3.2

5,935,570,412,798.67

0.36

6,780,310,055,825.06

0.32

10,941,947,640,185.80

0.57

10,391,119,387,280.80

0.40

6,445,772,680,759.95

0.42

OTHERS

3.3

601,855,470,316,386.00

36.01

605,131,852,895,557.00

28.15

654,590,279,350,805.00

33.93

974,990,904,256,672.00

37.44

470,943,502,962,116.00

30.86

WEST JAVA

3

912,615,731,798,976.00

54.60

1,076,318,102,034,490.00

50.07

1,064,297,374,955,490.00

55.17

1,417,871,559,273,020.00

54.45

831,570,631,467,483.00

54.49

SEMARANG

4.1

10,367,214,200,409.60

0.62

6,547,169,388,280.43

0.30

7,042,365,865,947.66

0.37

6,660,481,653,498.73

0.26

4,010,949,930,719.39

0.26

YOGYAKARTA

4.2

9,031,049,769,491.59

0.54

10,227,924,407,900.00

0.48

9,214,124,746,684.97

0.48

8,519,214,571,701.41

0.33

5,744,520,750,406.83

0.38

OTHERS

4.3

59,368,748,605,101.20

3.55

116,804,919,938,213.00

5.43

102,402,508,562,055.00

5.31

135,253,007,746,390.00

5.19

71,858,499,143,422.50

4.71

CENTRAL JAVA

4

78,767,012,575,002.40

4.71

133,580,013,734,394.00

6.21

118,658,999,174,688.00

6.15

150,432,703,971,590.00

5.78

81,613,969,824,548.70

5.35

SURABAYA

5.1

95,847,522,591,421.60

5.73

87,137,349,483,550.50

4.05

50,392,948,947,809.00

2.61

38,274,677,177,554.40

1.47

43,313,882,279,238.50

2.84

OTHERS

5.2

150,491,747,050,333.00

9.00

300,945,414,856,445.00

14.00

209,924,031,786,651.00

10.88

200,276,137,710,621.00

7.69

140,116,529,368,526.00

9.18

EAST JAVA

5

246,339,269,641,754.00

14.74

388,082,764,339,995.00

18.06

260,316,980,734,460.00

13.49

238,550,814,888,175.00

9.16

183,430,411,647,765.00

12.02

KALIMANTAN

6

78,288,008,445,091.90

4.68

122,839,704,752,261.00

5.72

101,257,693,194,739.00

5.25

126,158,412,345,002.00

4.84

70,890,454,994,371.70

4.64

UJUNG PANDANG

7.1

8,852,259,330,092.91

0.53

10,441,385,729,218.00

0.49

10,377,976,525,033.30

0.54

14,057,441,851,189.90

0.54

12,172,475,875,604.60

0.80

OTHERS

7.2

50,758,451,376,965.10

3.04

59,647,999,896,905.30

2.78

54,499,207,781,359.00

2.83

38,542,467,976,568.40

1.48

99,273,334,186,173.60

6.50

SULAWESI

7

59,610,710,707,058.00

3.57

70,089,385,626,123.30

3.26

64,877,184,306,392.20

3.36

52,599,909,827,758.30

2.02

111,445,810,061,778.00

7.30

OTHER ISLANDS

8

49,510,010,659,362.60

2.96

55,306,297,043,097.90

2.57

65,031,138,032,496.20

3.37

317,569,251,609,867.00

12.20

63,583,339,920,495.10

4.17

1,671,531,710,277,350.00

100.00

2,149,425,314,512,000.00

100.00

1,929,142,715,414,230.00

100.00

2,604,084,621,406,350.00

100.00

1,526,171,435,158,330.00

100.00

T OT AL

9

National Aggregate Exposure By Cresta Zone As at 31 December 2014 (In Billion IDR) 78,767.01

118,659.00 246,339.27

260,316.98 1,064,297.37

912,615.73

101,257.69

133,580.01

78,288.01

388,082.76

64,877.18

59,610.71 49,510.01

122,839.70

1,076,318.10

65,031.14

109,500.96

171,314.57

136,900.01

70,089.39 55,306.30

UY 2010

UY 2012

149,632.49

153,576.55

UY 2011

81,613.97

150,432.70

183,430.41

238,550.81

70,890.45

126,158.41 52,599.91

831,570.63

111,445.81

1,417,871.56

317,569.25 63,583.34

57,113.37

101,975.44 126,523.44

198,926.53

UY 2014

UY 2013

10

83,388.78

National Aggregate Exposure By Occupation As At 31/12/2014 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

17,593,981,439,651.60

1.05

20,170,306,793,199.60

0.94

23,543,592,772,030.10

1.22

25,850,470,360,216.00

0.99

14,812,265,396,714.00

0.97

COMMERCIAL

C

314,262,201,730,157.00

18.80

538,353,550,582,770.00

25.05

450,450,164,139,134.00

23.35

945,861,138,961,698.00

36.32

403,332,897,241,984.00

26.43

INDUSTRIAL

I

1,067,155,494,792,590.00

63.84

1,358,413,291,954,130.00

63.20

1,225,796,552,609,060.00

63.54

1,315,566,653,822,120.00

50.52

856,931,736,706,998.00

56.15

RESIDENTIAL

R

272,520,032,314,954.00

16.30

232,488,165,181,908.00

10.82

229,352,405,894,004.00

11.89

316,806,358,262,308.00

12.17

251,094,535,812,637.00

16.45

1,671,531,710,277,350.00

100.00

2,149,425,314,512,000.00

100.00

1,929,142,715,414,230.00

100.00

2,604,084,621,406,350.00

100.00

1,526,171,435,158,330.00

100.00

T OT AL

11

National Aggregate Exposure By Occupation As at 31 December 2014 ( In Billion IDR )

Industrial, 1,225,796.55

Commercial, 450,450.16

Residential, 272,520.03 Industrial, 1,067,155.49 Industrial, 1,358,413.29


Commercial, 538,353.55 Agricultural, 23,543.59

Agricultural, 17,593.98

Residential, 229,352.41

UY 2012


UY 2010 Agricultural, 20,170.31

UY 2011 Industrial, 1,315,566.65 Industrial, 856,931.74







UY 2013

UY 2014

12

National Aggregate Exposure By Interest As At 31/12/2014 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

766,244,399,165,127.00

45.84

958,903,776,514,406.00

44.61

798,671,573,282,359.00

41.40

943,699,042,667,684.00

36.24

586,979,067,115,808.00

38.46

Machinery

374,087,886,901,347.00

22.38

431,864,434,206,554.00

20.09

390,698,576,474,382.00

20.25

441,285,867,220,239.00

16.95

344,397,101,148,102.00

22.57

Others

183,172,234,683,109.00

10.96

254,262,457,503,071.00

11.83

274,886,671,768,546.00

14.25

471,732,521,202,327.00

18.12

177,298,761,582,607.00

11.62

Stock

217,174,294,649,453.00

12.99

284,344,420,668,283.00

13.23

281,199,517,743,995.00

14.58

323,388,546,667,591.00

12.42

211,899,531,602,187.00

13.88

Bussiness Interruption

130,852,894,878,316.00

7.83

220,050,225,619,690.00

10.24

183,686,376,144,946.00

9.52

423,978,643,648,505.00

16.28

205,596,973,709,629.00

13.47

1,671,531,710,277,350.00

100.00

2,149,425,314,512,000.00

100.00

1,929,142,715,414,230.00

100.00

2,604,084,621,406,350.00

100.00

1,526,171,435,158,330.00

100.00

T OT AL

13

14

National Aggregate Exposure By Province As At 31/12/2014 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

8,231,868,689,952.92

0.43

9,088,497,478,727.49

0.35

2,911,968,873,207.98

0.19

02. SUMATERA UTARA

63,486,304,289,425.90

3.80

88,106,195,205,864.50

4.10

75,156,907,626,138.10

3.90

92,886,941,469,493.40

3.57

54,201,404,976,792.20

3.55

03. SUMATERA BARAT

22,408,712,992,181.50

1.34

23,100,967,279,292.50

1.07

26,414,100,677,274.60

1.37

36,975,173,829,529.40

1.42

15,479,627,030,839.50

1.01

04. RIAU

32,775,423,381,286.80

1.96

34,792,656,469,754.20

1.62

33,313,694,594,896.10

1.73

47,642,572,184,237.40

1.83

29,824,102,387,880.20

1.95

5,229,365,051,921.28

0.31

8,126,179,638,051.55

0.38

10,895,449,767,449.70

0.56

10,906,819,720,562.70

0.42

5,970,659,568,392.78

0.39

37,898,109,822,304.80

2.27

30,246,924,977,797.60

1.41

40,588,870,108,329.40

2.10

41,546,157,693,254.90

1.60

27,432,385,891,596.50

1.80

07. BENGKULU

3,089,196,866,017.82

0.18

4,060,673,197,435.66

0.19

4,429,108,259,198.32

0.23

4,859,327,088,433.02

0.19

2,688,111,589,498.86

0.18

08. LAMPUNG

16,664,884,556,586.80

1.00

27,534,812,464,501.00

1.28

28,246,801,199,800.90

1.46

25,667,366,382,034.10

0.99

18,988,064,135,812.30

1.24

3,336,058,201,436.26

0.20

3,041,959,885,166.98

0.14

3,769,483,222,963.56

0.20

4,502,325,263,158.99

0.17

1,703,824,000,493.82

0.11

15,498,254,822,537.40

0.93

22,672,378,996,463.70

1.05

23,657,060,869,956.10

1.23

26,826,788,381,499.10

1.03

24,436,668,787,377.40

1.60

11. JAKARTA

304,824,691,069,791.00

18.24

464,405,939,083,112.00

21.61

398,765,147,964,504.00

20.67

432,489,535,629,069.00

16.61

354,181,355,824,607.00

23.21

12. JAWA BARAT

05. JAMBI 06. SUMATERA SELATAN

09. KEP BANGKA-BELITUNG 10. KEPULAUAN RIAU

395,856,887,033,770.00

23.68

400,940,521,827,649.00

18.65

448,178,872,106,972.00

23.23

705,292,830,823,398.00

27.08

340,647,613,053,013.00

22.32

13. JAWA TENGAH

68,286,066,186,836.40

4.09

121,725,177,084,954.00

5.66

107,225,982,919,285.00

5.56

139,005,766,651,937.00

5.34

73,473,330,658,481.50

4.81

14. DIY

10,480,946,388,166.00

0.63

11,854,836,649,440.00

0.55

11,433,016,255,403.10

0.59

11,426,937,319,653.50

0.44

8,140,639,166,067.23

0.53

15. JAWA TIMUR

246,339,269,641,754.00

14.74

388,082,764,339,995.00

18.06

260,316,980,734,460.00

13.49

238,550,814,888,175.00

9.16

183,430,411,647,765.00

12.02

16. BANTEN

211,934,153,695,415.00

12.68

210,971,641,123,733.00

9.82

217,353,354,884,018.00

11.27

280,089,192,820,555.00

10.76

136,741,662,589,863.00

8.96

39,388,712,490,115.70

2.36

43,282,480,532,299.20

2.01

50,121,527,638,424.10

2.60

302,582,088,814,057.00

11.62

48,467,238,201,654.80

3.18

2,915,151,771,130.72

0.17

3,077,047,054,149.34

0.14

3,827,061,635,532.07

0.20

4,519,786,644,225.11

0.17

6,277,755,878,079.54

0.41

862,786,991,135.17

0.05

1,617,483,032,767.29

0.08

2,109,046,479,044.15

0.11

1,752,041,709,512.98

0.07

1,690,901,964,813.75

0.11

4,184,375,704,375.67

0.25

6,929,074,391,744.74

0.32

6,287,064,336,371.34

0.33

8,058,602,953,961.14

0.31

7,816,537,077,239.35

0.51

21. KALIMANTAN TENGAH

11,726,628,849,876.80

0.70

12,214,732,033,229.00

0.57

11,779,392,838,175.60

0.61

17,307,987,814,281.70

0.66

16,705,388,836,094.50

1.09

22. KALIMANTAN SELATAN

14,511,411,705,943.40

0.87

28,151,320,447,496.90

1.31

14,602,282,782,755.70

0.76

36,936,891,817,714.20

1.42

13,273,301,252,163.30

0.87

23. KALIMANTAN TIMUR

47,865,592,184,896.00

2.86

75,544,577,879,790.50

3.51

68,588,953,237,436.50

3.56

63,854,929,759,044.80

2.45

33,095,227,828,874.60

2.17

24. SULAWESI UTARA

8,844,145,995,986.23

0.53

20,478,391,127,098.30

0.95

11,170,168,140,004.50

0.58

16,072,771,025,235.70

0.62

9,921,249,446,368.79

0.65

25. SULAWESI TENGAH

1,344,987,489,172.88

0.08

2,234,831,075,451.70

0.10

2,111,441,851,003.92

0.11

4,181,876,369,747.64

0.16

2,608,915,338,453.48

0.17

26. SULAWESI SELATAN

16,571,176,175,342.90

0.99

24,508,942,520,664.60

1.14

26,714,572,472,823.40

1.38

27,545,073,710,591.10

1.06

78,635,816,919,012.70

5.15

27. SULAWESI TENGGARA

18,974,413,466,606.60

1.14

9,114,245,475,615.48

0.42

9,730,700,947,572.02

0.50

1,513,553,072,172.13

0.06

16,516,477,744,881.00

1.08

28. GORONTALO

12,013,589,166,240.30

0.72

12,799,959,249,629.60

0.60

14,030,869,267,483.70

0.73

1,999,735,606,857.58

0.08

789,107,217,493.49

0.05

1,862,398,413,709.09

0.11

953,016,177,663.56

0.04

1,119,431,627,504.72

0.06

1,286,900,043,154.22

0.05

2,974,243,395,568.70

0.19

30. MALUKU

959,192,107,230.57

0.06

1,012,162,473,294.66

0.05

1,293,638,879,671.43

0.07

1,835,472,975,995.64

0.07

1,503,672,083,364.48

0.10

31. MALUKU UTARA

431,793,359,211.90

0.03

599,594,466,006.82

0.03

838,592,023,935.22

0.04

536,597,259,258.84

0.02

520,371,476,397.86

0.03

32. PAPUA BARAT

1,739,199,010,115.30

0.10

2,191,055,888,141.29

0.10

3,235,431,707,249.94

0.17

2,592,512,943,238.42

0.10

1,940,013,974,537.76

0.13

33. PAPUA

3,213,174,930,423.17

0.19

3,526,473,596,439.34

0.16

3,605,839,668,639.26

0.19

3,750,751,263,579.27

0.14

3,183,386,341,646.92

0.21

1,671,531,710,277,350.00

100.00

2,149,425,314,512,000.00

100.00

1,929,142,715,414,230.00

100.00

2,604,084,621,406,350.00

100.00

1,526,171,435,158,330.00

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 31/12/2014 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

7,248,598,498.52

0.27

8,881,676,185.72

0.21

1,438,293,045.29

0.06

MEDAN

1.2

47,673,497,420.22

2.25

54,391,678,378.55

1.93

49,057,405,453.27

1.86

65,019,613,559.29

1.53

48,370,129,983.37

2.05

OTHERS

1.3

84,285,242,255.56

3.98

132,337,261,203.50

4.70

52,565,709,149.06

1.99

75,489,213,655.47

1.78

31,010,826,992.26

1.31

NORTH SUMATERA

1

138,009,941,981.98

6.52

193,984,223,259.45

6.89

108,871,713,100.85

4.12

149,390,503,400.48

3.51

80,819,250,020.92

3.42

PADANG

2.1

32,778,827,007.39

1.55

29,722,664,380.28

1.06

34,706,692,449.72

1.31

51,978,390,247.26

1.22

20,179,737,639.28

0.85

PALEMBANG

2.2

19,383,104,938.80

0.92

14,170,019,921.46

0.50

17,638,821,394.64

0.67

24,274,700,236.15

0.57

8,694,455,195.04

0.37

OTHERS

2.3

108,788,602,446.87

5.14

136,325,771,692.64

4.84

155,394,230,649.01

5.88

192,101,128,558.49

4.52

138,923,243,154.50

5.88

SOUTH SUMATERA

2

160,950,534,393.06

7.60

180,218,455,994.38

6.40

207,739,744,493.37

7.86

268,354,219,041.90

6.31

167,797,435,988.82

7.10

JAKARTA

3.1

433,910,542,004.54

20.50

669,669,520,934.73

23.80

597,612,860,435.61

22.62

697,994,679,891.89

16.42

594,305,245,952.15

25.15

BANDUNG

3.2

8,241,042,107.75

0.39

9,916,805,917.11

0.35

16,343,625,486.30

0.62

16,183,329,875.96

0.38

9,965,568,152.70

0.42

OTHERS

3.3

778,644,398,352.92

36.79

833,535,780,053.36

29.62

951,567,888,791.94

36.02

1,665,264,469,164.24

39.17

785,491,284,627.91

33.24

WEST JAVA

3

1,220,795,982,465.21

57.67

1,513,122,106,905.20

53.77

1,565,524,374,713.85

59.27

2,379,442,478,932.09

55.97

1,389,762,098,732.76

58.81

SEMARANG

4.1

11,636,480,141.95

0.55

7,986,696,304.55

0.28

8,736,950,809.93

0.33

8,985,037,244.21

0.21

5,576,763,141.15

0.24

YOGYAKARTA

4.2

13,009,093,100.49

0.61

15,336,936,026.90

0.54

14,028,296,428.53

0.53

13,248,795,189.04

0.31

8,798,792,676.68

0.37

OTHERS

4.3

71,914,369,548.34

3.40

146,322,144,818.04

5.20

128,178,167,116.80

4.85

183,914,181,226.18

4.33

101,480,793,752.13

4.29

CENTRAL JAVA

4

96,559,942,790.78

4.56

169,645,777,149.49

6.03

150,943,414,355.26

5.71

206,148,013,659.43

4.85

115,856,349,569.96

4.90

SURABAYA

5.1

111,164,194,690.21

5.25

110,500,306,327.69

3.93

64,169,506,826.79

2.43

49,726,873,433.19

1.17

61,121,940,313.23

2.59

OTHERS

5.2

175,300,322,745.79

8.28

360,993,980,958.49

12.83

259,493,110,349.52

9.82

281,674,754,797.53

6.63

201,418,198,237.61

8.52

EAST JAVA

5

286,464,517,436.00

13.53

471,494,287,286.18

16.75

323,662,617,176.31

12.25

331,401,628,230.72

7.79

262,540,138,550.84

11.11

KALIMANTAN

6

68,410,654,079.24

3.23

103,391,973,974.23

3.67

93,636,972,236.17

3.54

130,971,396,065.57

3.08

72,437,567,577.71

3.07

UJUNG PANDANG

7.1

8,854,097,129.22

0.42

9,478,927,946.13

0.34

9,912,216,528.27

0.38

14,162,655,403.25

0.33

13,077,821,940.94

0.55

OTHERS

7.2

67,259,874,119.90

3.18

93,696,626,356.62

3.33

83,503,962,438.90

3.16

62,104,736,428.82

1.46

155,512,678,164.18

6.58

SULAWESI

7

76,113,971,249.12

3.60

103,175,554,302.75

3.67

93,416,178,967.17

3.54

76,267,391,832.07

1.79

168,590,500,105.12

7.13

OTHER ISLANDS

8

69,388,214,950.18

3.28

79,159,595,116.55

2.81

97,771,246,699.52

3.70

709,632,690,071.88

16.69

105,507,982,664.52

4.46

2,116,693,759,345.57

100.00

2,814,191,973,988.23

100.00

2,641,566,261,742.50

100.00

4,251,608,321,234.14

100.00

2,363,311,323,210.65

100.00

T OT AL

16

National Gross Premium By Cresta Zone As at 31 December 2014 (in Billion IDR) 150.94 160.95

323.66

138.01

1,513.12

1,220.80

93.64

69.39

93.42

1,565.52

76.11

97.77

68.41

180.22

108.87

169.65 193.98 286.46

207.74 79.16

96.56

471.49

103.18 103.39

UY 2012

UY 2010 UY 2011 206.15

331.40 130.97 76.27

North Sumatera 167.80

South Sumatera 709.63

West Java

80.82

1,389.76

105.51

Central Java

2,379.44

168.59 149.39

East Java Kalimantan

268.35

72.44

Sulawesi 262.54

115.86

Other Islands

UY 2014 UY 2013

17

National Gross Premium By Occupation As At 31/12/2014 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

20,828,909,822.51

0.98

23,897,315,368.61

0.85

29,419,229,652.86

1.11

34,876,464,798.31

0.82

18,675,258,226.35

0.79

COMMERCIAL

C

434,837,251,208.41

20.54

750,839,421,933.93

26.68

642,472,639,574.03

24.32

1,716,969,212,831.83

40.38

619,524,056,147.17

26.21

INDUSTRIAL

I

1,297,834,004,593.05

61.31

1,697,040,240,241.14

60.30

1,624,899,675,237.71

61.51

2,026,598,041,863.06

47.67

1,321,090,215,202.30

55.90

RESIDENTIAL

R

363,193,593,721.56

17.16

342,414,996,444.56

12.17

344,774,717,277.90

13.05

473,164,601,740.95

11.13

404,021,793,634.83

17.10

2,116,693,759,345.53

100.00

2,814,191,973,988.24

100.00

2,641,566,261,742.50

100.00

4,251,608,321,234.15

100.00

2,363,311,323,210.65

100.00

T OT AL

18

National Aggregate Exposure By Occupation As at 31 December 2014 ( In Billion IDR )

Industrial, 1,225,796.55


Residential, 272,520.03 Industrial, 1,067,155.49 Industrial, 1,358,413.29


Commercial, 538,353.55 Agricultural, 23,543.59



UY 2012


UY 2010 Agricultural, 20,170.31

UY 2011 Industrial, 1,315,566.65 Industrial, 856,931.74







UY 2013

UY 2014

19

National Gross Premium By Province As At 31/12/2014 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

12,322,756,854.35

0.47

16,212,999,533.71

0.38

5,091,341,010.80

0.22

02. SUMATERA UTARA

76,076,514,331.93

3.59

106,711,477,778.64

3.79

96,548,956,246.51

3.65

133,177,503,866.76

3.13

75,727,909,010.11

3.20

03. SUMATERA BARAT

39,338,010,826.10

1.86

40,326,642,779.02

1.43

47,371,801,948.12

1.79

70,412,946,017.69

1.66

28,337,331,931.33

1.20

04. RIAU

33,033,443,273.00

1.56

34,916,965,244.00

1.24

35,217,466,736.98

1.33

55,756,882,454.75

1.31

34,736,850,618.73

1.47

5,242,221,847.08

0.25

7,938,259,820.08

0.28

10,791,807,426.72

0.41

12,343,542,592.75

0.29

6,807,811,027.90

0.29

39,281,214,918.39

1.86

31,091,594,331.29

1.10

42,225,257,071.65

1.60

48,975,548,628.88

1.15

36,216,851,619.98

1.53

07. BENGKULU

5,473,349,023.87

0.26

7,256,169,725.58

0.26

8,237,837,085.21

0.31

9,804,776,463.34

0.23

5,196,899,868.66

0.22

08. LAMPUNG

22,692,710,088.11

1.07

37,249,898,677.14

1.32

39,905,132,712.32

1.51

39,214,958,290.62

0.92

29,220,233,520.15

1.24

2,953,443,103.05

0.14

2,654,439,798.01

0.09

3,394,693,966.44

0.13

4,376,254,230.71

0.10

1,645,316,338.27

0.07

12,936,141,313.44

0.61

18,784,485,619.28

0.67

20,595,747,545.93

0.78

27,469,310,363.17

0.65

25,636,141,063.80

1.08

11. JAKARTA

433,910,542,004.54

20.50

669,669,520,934.73

23.80

597,612,860,435.61

22.62

697,994,679,891.89

16.42

594,305,245,952.15

25.15

12. JAWA BARAT

05. JAMBI 06. SUMATERA SELATAN

09. KEP BANGKA-BELITUNG 10. KEPULAUAN RIAU

504,454,579,276.75

23.83

549,775,612,533.25

19.54

649,202,133,991.13

24.58

1,205,838,311,325.53

28.36

566,618,351,732.30

23.98

13. JAWA TENGAH

81,521,601,724.06

3.85

151,888,826,113.28

5.40

133,607,366,530.92

5.06

188,465,060,856.00

4.43

103,390,538,888.04

4.37

14. DIY

15,038,341,066.72

0.71

17,756,951,036.21

0.63

17,336,047,824.33

0.66

17,682,952,803.43

0.42

12,465,810,681.92

0.53

15. JAWA TIMUR

286,464,517,436.00

13.53

471,494,287,286.19

16.75

323,662,617,176.32

12.25

331,401,628,230.73

7.79

262,540,138,550.84

11.11

16. BANTEN

282,430,861,183.92

13.34

293,676,973,437.22

10.44

318,709,380,287.11

12.07

475,609,487,714.66

11.19

228,838,501,048.32

9.68

54,063,520,550.42

2.55

60,357,067,500.68

2.14

72,961,917,600.29

2.76

682,785,893,657.11

16.06

78,210,871,889.87

3.31

18. NUSA TENGGARA BARAT

4,440,906,653.30

0.21

5,152,954,498.64

0.18

7,071,006,825.92

0.27

8,802,969,699.51

0.21

11,630,709,649.13

0.49

19. NUSA TENGGARA TIMUR

1,281,077,691.84

0.06

2,433,951,389.85

0.09

3,238,797,428.24

0.12

2,812,496,001.85

0.07

2,843,895,111.45

0.12

20. KALIMANTAN BARAT

3,715,242,385.16

0.18

6,039,986,630.20

0.21

5,583,831,650.53

0.21

7,801,543,847.70

0.18

7,862,944,530.08

0.33


9,889,548,328.95

0.47

10,262,245,474.31

0.36

10,661,044,693.59

0.40

17,958,489,273.68

0.42

17,515,051,704.80

0.74


12,861,818,728.25

0.61

23,762,331,278.15

0.84

13,295,154,786.58

0.50

37,315,778,410.83

0.88

12,567,430,084.75

0.53


41,944,044,636.88

1.98

63,327,410,591.57

2.25

64,096,941,105.46

2.43

67,895,584,533.35

1.60

34,492,141,258.09

1.46

24. SULAWESI UTARA

14,764,191,364.03

0.70

37,732,408,368.21

1.34

20,970,212,778.36

0.79

32,959,504,345.17

0.78

20,490,377,892.28

0.87

25. SULAWESI TENGAH

2,004,618,104.55

0.09

3,453,309,420.21

0.12

3,324,143,318.87

0.13

6,862,013,070.21

0.16

4,281,219,265.49

0.18


17,199,396,856.17

0.81

24,634,050,796.95

0.88

27,699,734,433.87

1.05

28,412,649,869.63

0.67

112,672,045,540.57

4.77


21,176,342,881.42

1.00

10,519,505,924.99

0.37

11,914,673,955.76

0.45

2,269,405,998.90

0.05

25,118,283,517.11

1.06

28. GORONTALO

18,303,446,175.48

0.86

25,429,749,615.48

0.90

27,830,875,142.23

1.05

3,836,338,417.27

0.09

1,566,477,337.75

0.07

29. SULAWESI BARAT

2,665,975,867.48

0.13

1,406,530,176.92

0.05

1,676,539,338.07

0.06

1,927,480,130.89

0.05

4,462,096,551.91

0.19

30. MALUKU

1,748,451,819.08

0.08

1,761,141,005.57

0.06

2,358,964,475.46

0.09

3,456,936,294.54

0.08

2,912,579,382.63

0.12

736,016,880.37

0.03

1,055,956,776.04

0.04

1,479,457,700.98

0.06

1,033,934,795.32

0.02

987,939,649.35

0.04

32. PAPUA BARAT

2,543,602,599.57

0.12

3,177,814,430.49

0.11

4,823,778,402.01

0.18

4,192,732,314.06

0.10

3,250,714,401.89

0.14

33. PAPUA

4,574,638,755.60

0.22

5,220,709,515.28

0.19

5,837,324,266.62

0.22

6,547,727,309.50

0.15

5,671,272,580.19

0.24

17. BALI

31. MALUKU UTARA

T OT AL

2,116,693,759,345.54 100.00

2,814,191,973,988.27 100.00

20

2,641,566,261,742.49 100.00

4,251,608,321,234.14 100.00

2,363,311,323,210.64 100.00

Number Of Risk By Cresta Zone As At 31/12/2014 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

587

602

387

MEDAN

1.2

5,664

5,776

6,000

6,564

5,440

OTHERS

1.3

5,148

4,491

4,654

3,898

3,001

NORTH SUMATERA

1

11,446

10,784

11,241

11,064

8,828

PADANG

2.1

8,363

9,866

10,573

10,631

9,867

PALEMBANG

2.2

1,613

1,442

1,532

1,861

1,202

OTHERS

2.3

17,028

16,559

17,370

17,784

13,179

SOUTH SUMATERA

2

27,004

27,867

29,475

30,276

24,248

JAKARTA

3.1

35,156

38,644

36,232

47,445

34,295

BANDUNG

3.2

1,684

1,146

1,986

2,122

1,183

OTHERS

3.3

34,731

34,083

36,673

38,531

28,822

WEST JAVA

3

71,571

73,873

74,891

88,098

64,300

SEMARANG

4.1

379

669

803

914

497

YOGYAKARTA

4.2

2,468

2,155

2,307

2,173

1,903

OTHERS

4.3

10,540

9,711

10,320

10,446

8,503

CENTRAL JAVA

4

13,387

12,535

13,430

13,533

10,903

SURABAYA

5.1

6,032

6,063

6,180

6,220

4,142

OTHERS

5.2

7,829

7,287

7,798

8,345

5,492

EAST JAVA

5

13,861

13,350

13,978

14,565

9,634

KALIMANTAN

6

7,002

5,726

7,633

7,043

3,676

UJUNG PANDANG

7.1

1,737

1,851

1,914

2,052

1,258

OTHERS

7.2

6,403

7,029

6,197

6,235

3,840

SULAWESI

7

8,140

8,880

8,111

8,287

5,098

OTHER ISLANDS

8

12,167

12,908

14,208

14,791

11,219

164,578

165,923

172,967

187,657

137,906

TOTAL

21

Number of Risk By Cresta Zone As at 31 December 2014 90,000

80,000 70,000

UY 2010 UY 2011

60,000

UY 2012 UY 2013

50,000

UY 2014 40,000 30,000 20,000

10,000 0 North Sumatera

South Sumatera

West Java

Central Java

East Java

22

Kalimantan

Sulawesi

Other Islands

Number Of Risk By Occupation As At 31/10/2014 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

481

0.26

224

0.16

COMMERCIAL

C

83,091

50.49

91,412

55.09

94,353

54.55

99,888

53.23

61,308

44.46

INDUSTRIAL

I

13,867

8.43

14,995

9.04

17,098

9.89

18,149

9.67

10,516

7.63

RESIDENTIAL

R

67,179

40.82

59,137

35.64

61,096

35.32

69,139

36.84

65,858

47.76

164,578

100.00

165,923

100.00

172,967

100.00

187,657

100.00

137,906

100.00

TOTAL

23

Number of Risk By Occupation As at 31 December 2014 Industrial, 13,867

Agricultural, 420 Residential, 61,096 Residential, 67,179


Commercial, 83,091

Industrial, 17,098

Agricultural, 441

Agricultural, 379

Commercial, 94,353

Residential, 59,137

UY 2010

UY 2012

Industrial, 10,516

UY 2011


Residential, 65,858

Commercial, 61,308

Residential, 69,139 Agricultural, 481 Agricultural, 224

UY 2014

UY 2013

24

Claim Frequency by Occupation As At 31/12/2014 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

40

61

15

48

2

INDUSTRIAL

I

1

0

0

5

0

RESIDENTIAL

R

8

25

1

6

4

49

86

16

59

6

TOTAL

25

1867

58

108

11

Claim Frequency By Occupation As at 31 December 2014

70 61 60

48

Agricultural

50 40

Commercial

40 Industrial

25

30

Residential 20

15 8

5

10 0

1

0

0

0

0

0

1

6 0

2

0 UY 2010

UY 2011

UY 2012

UY 2013

26

UY 2014

4 0

Claim Frequency by Cresta Zone As At 31/12/2014 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 5

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

13 0

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

2 0

1 0

1 0

0 0

YOGYAKARTA

4.2

2

0

0

5

0

OTHERS

4.3

5

0

0

8

0

CENTRAL JAVA SURABAYA

4 5.1

7 0

0 0

0 0

13 0

0 0

OTHERS

5.2

2

0

0

39

5

EAST JAVA KALIMANTAN

5 6

2 0

0 0

0 0

39 0

5 0

UJUNG PANDANG

7.1

1

0

0

0

0

OTHERS

7.2

2

1

3

1

0

SULAWESI OTHER ISLANDS

7 8

3 29

1 56

3 3

1 3

0 1

49

86

16

59

6

TOTAL

27

Claim Frequency By Cresta Zone As at 31 December 2014 60

56

50 North Sumatera

39

40

South Sumatera West Java

Central Java

29

30

East Java

Kalimantan Sulawesi

20 1413 10

8

7

6 0

2

Other Islands

13

2

3 0

2

1 0 0 0

1 1 0 00

3 3

5 1 1 1

0 1

3

0 0 0

0

0

UY 2010

UY 2011

UY 2012

UY 2013

28

UY 2014

0 01

Claim by Occupation As At 31/12/2014 Tab le 5.4

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

42,257,418,914.28

97.42

11,884,257,307.09

97.70

1,969,759,319.05

97.52

317,694,548,449.88

99.40

75,745,036.00

38.70

INDUSTRIAL

I

760,224,542.70

1.75

0.00

0.00

0.00

0.00

1,821,282,200.00

0.57

0.00

0.00

RESIDENTIAL

R

356,785,430.40

0.82

279,190,155.04

2.30

50,000,000.00

2.48

92,602,722.00

0.03

120,000,000.00

61.30

43,374,428,887.38

100.00

12,163,447,462.13

100.00

2,019,759,319.05

100.00

319,608,433,371.88

100.00

195,745,036.00

100.00

TOTAL

29

Claim By Occupation As at 31 December 2014

Commercial 97.42%

Commercial 97.52%

Commercial 97.70%

Industrial 0.00%

Agricultural 0.00% Industrial Residential 1.75% 0.82%

Residential 2.48%

Industrial 0.00%

UY 2010

Agricultural 0.00%

UY 2012

Agricultural 0.00% Residential 2.30%

UY 2011

Industrial 0.00%

Commercial 99.40%

Commercial 38.70%

Residential 61.30%

Industrial 0.57%

Residential 0.03%

Agricultural 0.00%

Agricultural 0.00%

UY 2013

30

UY 2014

Claim by Cresta Zone As At 31/12/2014 Tab le 5.5

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

62.35

1,430,714,900.00

70.84

21,000,000.00

0.01

0.00

0.00

MEDAN

1.2

17,388,400.00

0.04

96,659,672.63

0.79

14,936,201.00

0.74

0.00

0.00

0.00

0.00

OTHERS

1.3

386,240,859.55

0.89

170,435,941.60

1.40

0.00

0.00

0.00

0.00

0.00

0.00

NORTH SUMATERA

1

619,594,610.55

1.43

7,850,689,114.23

64.54

1,445,651,101.00

71.58

21,000,000.00

0.01

0.00

0.00

PADANG

2.1

0.00

0.00

29,390,800.00

0.24

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

10.37

50,000,000.00

2.48

3,997,822.00

0.00

0.00

0.00

SOUTH SUMATERA

2

0.00

0.00

1,290,231,800.00

10.61

50,000,000.00

2.48

3,997,822.00

0.00

0.00

0.00

JAKARTA

3.1

2,508,000.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

BANDUNG

3.2

0.00

0.00

67,353,075.00

0.55

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

0.06

17,438,200.00

0.86

0.00

0.00

0.00

0.00

WEST JAVA

3

39,835,390.00

0.09

74,453,075.00

0.61

17,438,200.00

0.86

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

30,362,493,600.00

70.00

0.00

0.00

0.00

0.00

1,821,193,260.00

0.57

0.00

0.00

OTHERS

4.3

4,034,914,560.59

9.30

0.00

0.00

0.00

0.00

37,644,278,659.20

11.78

0.00

0.00

CENTRAL JAVA

4

34,397,408,160.59

79.30

0.00

0.00

0.00

0.00

39,465,471,919.20

12.35

0.00

0.00

SURABAYA

5.1

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

OTHERS

5.2

46,008,723.00

0.11

0.00

0.00

0.00

0.00

280,009,247,560.80

87.61

180,000,000.00

91.96

EAST JAVA

5

46,008,723.00

0.11

0.00

0.00

0.00

0.00

280,009,247,560.80

87.61

180,000,000.00

91.96

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

1.75

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

0.05

377,159,738.51

18.67

50,000,000.00

0.02

0.00

0.00

SULAWESI

7

850,716,487.70

1.96

6,662,800.00

0.05

377,159,738.51

18.67

50,000,000.00

0.02

0.00

0.00

OTHER ISLANDS

8

7,420,865,515.54

17.11

2,941,410,672.90

24.18

129,510,279.54

6.41

36,205,069.88

0.01

15,745,036.00

8.04

43,374,428,887.38

100.00

12,163,447,462.13

100.00

2,019,759,319.05

100.00

319,608,433,371.88

100.00

195,745,036.00

100.00

TOTAL

31

Claim By Cresta Zone As at 31 December 2014 ( In Million IDR )

Central Java, 34,397.41

East Java, 46.01 Kalimantan, 0.00

South Sumatera, 1,290.23

Sulawesi, 850.72

South Sumatera, 50.00

North Sumatera, 1,445.65

North Sumatera, 7,850.69

Sulawesi, 377.16 Other Islands, 129.51

Other Islands, 7,420.87

West Java, 39.84 South Sumatera, 0.00

Central Java, 0.00 West Java, 74.45 East Java, 0.00 Kalimantan, 0.00 Sulawesi, 6.66

North Sumatera, 619.59

Kalimantan, 0.00

Other Islands, 2,941.41

UY 2010

West Java, 17.44 Central Java, 0.00 East Java, 0.00

UY 2012

UY 2011

East Java, 180.00

West Java, -

East Java, 280,009.25

South Sumatera, -

Central Java, 39,465.47

North Sumatera, -

West Java, 22.51 South Sumatera, 4.00

Other Islands, 15.75 Central Java, -

North Sumatera, 21.00 Other Islands, 36.21 Sulawesi, 50.00 Kalimantan, 0.00

Sulawesi, Kalimantan, -

UY 2013

32

UY 2014

PT. Reasuransi MAIPARK Indonesia

RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR

:2010 -2014

OCCUPATION

:ALL

PROCESSING DATE

SUM INSURED (BAND) (in million Rp) BAND

(a)

FROM

TO

(b)

(c)

GROSS PREMIUM (In million Rp)

NUMBER OF RISK

f

CUM ∑(f)

(f)

(g)

rp

Rp ∑(h)

PERCENTAGE BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

(h)

(i)

9.62

3,047.38

3,047.38

0.02

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

67,058.00 146,828.00

8.09

17.71

7,876.76

10,924.14

0.06

0.08

4.00

4.00

1.86

1.86

74.80

74.80

0.02

0.02

0.95

0.68

3

100.00 200.00

91,685.00 238,513.00

11.06

28.77

20,130.39

31,054.53

0.14

0.22

7.00

11.00

3.26

5.12

112.87

187.67

0.03

0.05

0.56

0.60

4

200.00 300.00

64,568.00 303,081.00

7.79

36.56

23,665.48

54,720.01

0.17

0.39

6.00

17.00

2.79

7.91

369.96

557.63

0.10

0.15

1.56

1.02

5

300.00 500.00

93,379.00 396,460.00

11.26

47.82

54,828.68

109,548.69

0.39

0.77

33.00

50.00

15.35

23.26

441.42

999.05

0.12

0.26

0.81

0.91

6

500.00 750.00

70,368.00 466,828.00

8.49

56.31

62,204.35

171,753.04

0.44

1.21

13.00

63.00

6.05

29.30

804.81

1,803.86

0.21

0.48

1.29

1.05

7

750.00 1,000.00

67,251.00 534,079.00

8.11

64.42

84,760.75

256,513.79

0.60

1.81

13.00

76.00

6.05

35.35

909.32

2,713.18

0.24

0.72

1.07

1.06

8

1,000.00 1,500.00

71,124.00 605,203.00

8.58

73.00

124,732.01

381,245.80

0.88

2.69

23.00

99.00

10.70

46.05

1,745.06

4,458.24

0.46

1.18

1.40

1.17

9

1,500.00 2,000.00

38,740.00 643,943.00

4.67

77.67

97,317.23

478,563.03

0.69

3.37

14.00

113.00

6.51

52.56

3,182.77

7,641.01

0.84

2.03

3.27

1.60

10

2,000.00 2,500.00

24,077.00 668,020.00

2.90

80.58

77,165.01

555,728.05

0.54

3.92

8.00

121.00

3.72

56.28

342.14

7,983.15

0.09

2.12

0.44

1.44

11

2,500.00 3,000.00

18,756.00 686,776.00

2.26

82.84

73,646.88

629,374.93

0.52

4.44

7.00

128.00

3.26

59.53

1,317.87

9,301.02

0.35

2.46

1.79

1.48

12

3,000.00 4,000.00

23,416.00 710,192.00

2.82

85.67

116,327.83

745,702.76

0.82

5.26

9.00

137.00

4.19

63.72

1,694.02

10,995.04

0.45

2.91

1.46

1.47

13

4,000.00 5,000.00

16,577.00 726,769.00

2.00

87.66

107,016.90

852,719.65

0.75

6.01

7.00

144.00

3.26

66.98

498.91

11,493.95

0.13

3.05

0.47

1.35

14

5,000.00 7,500.00

22,602.00 749,371.00

2.73

90.39

196,044.13

1,048,763.79

1.38

7.39

13.00

157.00

6.05

73.02

1,460.22

12,954.17

0.39

3.43

0.74

1.24

15

7,500.00 10,000.00

14,728.00 764,099.00

1.78

92.17

184,998.82

1,233,762.60

1.30

8.70

9.00

166.00

4.19

77.21

2,439.90

15,394.07

0.65

4.08

1.32

1.25

16

10,000.00 20,000.00

23,070.00 787,169.00

2.78

94.95

467,050.66

1,700,813.27

3.29

11.99

9.00

175.00

4.19

81.40

3,610.31

19,004.38

0.96

5.04

0.77

1.12

17

20,000.00 50,000.00

19,550.00 806,719.00

2.36

97.31

870,662.48

2,571,475.75

6.14

18.13

11.00

186.00

5.12

86.51

1,406.51

20,410.89

0.37

5.41

0.16

0.79

18

50,000.00 100,000.00

9,799.00 816,518.00

1.18

98.49

947,122.85

3,518,598.60

6.68

24.80

9.00

195.00

4.19

90.70

36,571.38

56,982.27

9.69

15.10

3.86

1.62

19

100,000.00 500,000.00

9,895.00 826,413.00

1.19

99.68 2,869,101.20

6,387,699.80

20.22

45.02

13.00

208.00

6.05

96.74 283,301.09

340,283.35

75.08

90.18

9.87

5.33

20

500,000.00 UP

2,618.00 829,031.00

0.32

100.00 7,799,671.84

14,187,371.64

54.98

100.00

7.00

215.00

3.26 100.00

377,331.54

9.82

100.00

0.47

2.66

2

79,770.00

33

(q)

PERCENTAGE

BAND (q)/∑(q)

9.62

0.00 50.00

(e)

PERCENTAGE BAND (d)/∑(d)

INCURED CLAIM (In million Rp)

CLAIM FREQUENCY

79,770.00

1

(d)

F ∑(d)

28/01/2015

37,048.18



: 2014

OCCUPATION

: ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

10,033.00

10,033.00

7.28

7.28

338.04

338.04

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

11,599.00

21,632.00

8.41

15.69

1,414.40

1,752.44

0.06

0.07

2.00

2.00

33.33

33.33

60.00

60.00

30.65

30.65

4.24

3.42

3

100.00 200.00

14,132.00

35,764.00

10.25

25.93

3,054.38

4,806.82

0.13

0.20

0.00

2.00

0.00

33.33

0.00

60.00

0.00

30.65

0.00

1.25

4

200.00 300.00

10,678.00

46,442.00

7.74

33.68

3,921.45

8,728.26

0.17

0.37

1.00

3.00

16.67

50.00

30.00

90.00

15.33

45.98

0.77

1.03

5

300.00 500.00

17,376.00

63,818.00

12.60

46.28

10,194.00

18,922.26

0.43

0.80

1.00

4.00

16.67

66.67

30.00

120.00

15.33

61.30

0.29

0.63

6

500.00 750.00

12,138.00

75,956.00

8.80

55.08

10,750.81

29,673.07

0.45

1.26

0.00

4.00

0.00

66.67

0.00

120.00

0.00

61.30

0.00

0.40

7

750.00 1,000.00

10,956.00

86,912.00

7.94

63.02

13,793.19

43,466.26

0.58

1.84

1.00

5.00

16.67

83.33

60.00

180.00

30.65

91.96

0.43

0.41

8

1,000.00 1,500.00

10,818.00

97,730.00

7.84

70.87

19,055.25

62,521.51

0.81

2.65

0.00

5.00

0.00

83.33

0.00

180.00

0.00

91.96

0.00

0.29

9

1,500.00 2,000.00

7,270.00 105,000.00

5.27

76.14

18,104.69

80,626.20

0.77

3.41

0.00

5.00

0.00

83.33

0.00

180.00

0.00

91.96

0.00

0.22

10

2,000.00 2,500.00

4,387.00 109,387.00

3.18

79.32

13,964.70

94,590.90

0.59

4.00

0.00

5.00

0.00

83.33

0.00

180.00

0.00

91.96

0.00

0.19

11

2,500.00 3,000.00

3,480.00 112,867.00

2.52

81.84

13,614.28

108,205.18

0.58

4.58

0.00

5.00

0.00

83.33

0.00

180.00

0.00

91.96

0.00

0.17

12

3,000.00 4,000.00

4,186.00 117,053.00

3.04

84.88

20,535.26

128,740.44

0.87

5.45

0.00

5.00

0.00

83.33

0.00

180.00

0.00

91.96

0.00

0.14

13

4,000.00 5,000.00

2,980.00 120,033.00

2.16

87.04

19,114.99

147,855.43

0.81

6.26

1.00

6.00

16.67 100.00

15.75

195.75

8.04

100.00

0.08

0.13

14

5,000.00 7,500.00

3,994.00 124,027.00

2.90

89.94

34,698.48

182,553.91

1.47

7.72

0.00

6.00

0.00 100.00

0.00

195.75

0.00

100.00

0.00

0.11

15

7,500.00 10,000.00

2,538.00 126,565.00

1.84

91.78

31,979.28

214,533.19

1.35

9.08

0.00

6.00

0.00 100.00

0.00

195.75

0.00

100.00

0.00

0.09

16

10,000.00 20,000.00

3,908.00 130,473.00

2.83

94.61

79,735.85

294,269.04

3.37

12.45

0.00

6.00

0.00 100.00

0.00

195.75

0.00

100.00

0.00

0.07

17

20,000.00 50,000.00

3,350.00 133,823.00

2.43

97.04

156,436.63

450,705.68

6.62

19.07

0.00

6.00

0.00 100.00

0.00

195.75

0.00

100.00

0.00

0.04

18

50,000.00 100,000.00

1,883.00 135,706.00

1.37

98.40

178,098.09

628,803.77

7.54

26.61

0.00

6.00

0.00 100.00

0.00

195.75

0.00

100.00

0.00

0.03

19

100,000.00 500,000.00

1,770.00 137,476.00

1.28

99.69

542,363.63

1,171,167.40

22.95

49.56

0.00

6.00

0.00 100.00

0.00

195.75

0.00

100.00

0.00

0.02

20

500,000.00 UP

430.00 137,906.00

0.31

100.00 1,192,143.92

2,363,311.32

50.44

100.00

0.00

6.00

0.00 100.00

0.00

195.75

0.00

100.00

0.00

0.01

34



: 2013

OCCUPATION

: ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

15,703.00

15,703.00

8.37

8.37

613.86

613.86

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

14,533.00

30,236.00

7.74

16.11

1,657.65

2,271.52

0.04

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

19,073.00

49,309.00

10.16

26.28

4,282.54

6,554.06

0.10

0.15

1.00

1.00

1.72

1.72

0.76

0.76

0.00

0.00

0.02

0.01

4

200.00 300.00

13,878.00

63,187.00

7.40

33.67

5,194.61

11,748.67

0.12

0.28

3.00

4.00

5.17

6.90

327.45

328.20

0.10

0.10

6.30

2.79

5

300.00 500.00

19,656.00

82,843.00

10.47

44.15

11,686.55

23,435.22

0.27

0.55

4.00

8.00

6.90

13.79

254.61

582.81

0.08

0.18

2.18

2.49

6

500.00 750.00

15,374.00

98,217.00

8.19

52.34

13,736.86

37,172.08

0.32

0.87

4.00

12.00

6.90

20.69

445.85

1,028.66

0.14

0.32

3.25

2.77

7

750.00 1,000.00

14,347.00 112,564.00

7.65

59.98

18,353.82

55,525.90

0.43

1.31

6.00

18.00

10.34

31.03

696.75

1,725.41

0.22

0.54

3.80

3.11

8

1,000.00 1,500.00

19,715.00 132,279.00

10.51

70.49

34,651.91

90,177.81

0.82

2.12

15.00

33.00

25.86

56.90

1,154.37

2,879.78

0.36

0.90

3.33

3.19

9

1,500.00 2,000.00

9,560.00 141,839.00

5.09

75.58

24,074.08

114,251.89

0.57

2.69

2.00

35.00

3.45

60.34

1,164.00

4,043.78

0.36

1.27

4.84

3.54

10

2,000.00 2,500.00

5,962.00 147,801.00

3.18

78.76

19,431.26

133,683.15

0.46

3.14

1.00

36.00

1.72

62.07

42.58

4,086.37

0.01

1.28

0.22

3.06

11

2,500.00 3,000.00

4,487.00 152,288.00

2.39

81.15

17,877.54

151,560.69

0.42

3.56

2.00

38.00

3.45

65.52

793.34

4,879.70

0.25

1.53

4.44

3.22

12

3,000.00 4,000.00

5,710.00 157,998.00

3.04

84.20

28,669.01

180,229.70

0.67

4.24

3.00

41.00

5.17

70.69

1,449.57

6,329.27

0.45

1.98

5.06

3.51

13

4,000.00 5,000.00

4,066.00 162,064.00

2.17

86.36

26,391.76

206,621.46

0.62

4.86

1.00

42.00

1.72

72.41

60.00

6,389.27

0.02

2.00

0.23

3.09

14

5,000.00 7,500.00

5,595.00 167,659.00

2.98

89.34

49,095.63

255,717.09

1.15

6.01

2.00

44.00

3.45

75.86

615.87

7,005.14

0.19

2.19

1.25

2.74

15

7,500.00 10,000.00

3,736.00 171,395.00

1.99

91.33

47,697.89

303,414.98

1.12

7.14

3.00

47.00

5.17

81.03

1,669.19

8,674.33

0.52

2.71

3.50

2.86

16

10,000.00 20,000.00

5,789.00 177,184.00

3.08

94.42

117,497.46

420,912.43

2.76

9.90

2.00

49.00

3.45

84.48

2,635.70

11,310.02

0.82

3.54

2.24

2.69

17

20,000.00 50,000.00

4,873.00 182,057.00

2.60

97.02

222,427.01

643,339.44

5.23

15.13

1.00

50.00

1.72

86.21

30.00

11,340.02

0.01

3.55

0.01

1.76

18

50,000.00 100,000.00

2,481.00 184,538.00

1.32

98.34

253,985.63

897,325.08

5.97

21.11

3.00

53.00

5.17

91.38

36,048.00

47,388.02

11.28

14.83

14.19

5.28

19

100,000.00 500,000.00

2,455.00 186,993.00

1.31

99.65

754,106.36

1,651,431.43

17.74

38.84

5.00

58.00

8.62 100.00 272,190.13

319,578.16

85.17

100.00

36.09

19.35

20

500,000.00 UP

664.00 187,657.00

0.35

100.00 2,600,176.89

4,251,608.32

61.16

100.00

0.00

58.00

0.00 100.00

319,578.16

0.00

100.00

0.00

7.52

35

0.00



: 2012

OCCUPATION

: ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

17,335.00

17,335.00

10.02

10.02

690.62

690.62

0.03

0.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

13,566.00

30,901.00

7.84

17.87

1,592.40

2,283.02

0.06

0.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

19,203.00

50,104.00

11.10

28.97

4,226.23

6,509.25

0.16

0.25

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

13,586.00

63,690.00

7.85

36.82

5,006.05

11,515.30

0.19

0.44

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

18,993.00

82,683.00

10.98

47.80

11,268.83

22,784.13

0.43

0.86

1.00

1.00

6.25

6.25

17.44

17.44

0.86

0.86

0.15

0.08

6

500.00 750.00

13,723.00

96,406.00

7.93

55.74

12,270.75

35,054.88

0.46

1.33

0.00

1.00

0.00

6.25

0.00

17.44

0.00

0.86

0.00

0.05

7

750.00 1,000.00

13,954.00 110,360.00

8.07

63.80

17,861.29

52,916.18

0.68

2.00

0.00

1.00

0.00

6.25

0.00

17.44

0.00

0.86

0.00

0.03

8

1,000.00 1,500.00

16,120.00 126,480.00

9.32

73.12

28,304.96

81,221.14

1.07

3.07

1.00

2.00

6.25

12.50

50.00

67.44

2.48

3.34

0.18

0.08

9

1,500.00 2,000.00

7,976.00 134,456.00

4.61

77.74

20,298.19

101,519.33

0.77

3.84

4.00

6.00

25.00

37.50

709.83

777.27

35.14

38.48

3.50

0.77

10

2,000.00 2,500.00

4,876.00 139,332.00

2.82

80.55

15,645.92

117,165.25

0.59

4.44

1.00

7.00

6.25

43.75

62.33

839.59

3.09

41.57

0.40

0.72

11

2,500.00 3,000.00

3,878.00 143,210.00

2.24

82.80

15,299.00

132,464.25

0.58

5.01

0.00

7.00

0.00

43.75

0.00

839.59

0.00

41.57

0.00

0.63

12

3,000.00 4,000.00

4,848.00 148,058.00

2.80

85.60

24,392.46

156,856.71

0.92

5.94

0.00

7.00

0.00

43.75

0.00

839.59

0.00

41.57

0.00

0.54

13

4,000.00 5,000.00

3,407.00 151,465.00

1.97

87.57

22,215.18

179,071.88

0.84

6.78

0.00

7.00

0.00

43.75

0.00

839.59

0.00

41.57

0.00

0.47

14

5,000.00 7,500.00

4,771.00 156,236.00

2.76

90.33

41,542.63

220,614.52

1.57

8.35

2.00

9.00

12.50

56.25

319.96

1,159.55

15.84

57.41

0.77

0.53

15

7,500.00 10,000.00

3,105.00 159,341.00

1.80

92.12

38,743.49

259,358.01

1.47

9.82

2.00

11.00

12.50

68.75

555.00

1,714.55

27.48

84.89

1.43

0.66

16

10,000.00 20,000.00

4,904.00 164,245.00

2.84

94.96

100,039.48

359,397.49

3.79

13.61

4.00

15.00

25.00

93.75

301.07

2,015.62

14.91

99.80

0.30

0.56

17

20,000.00 50,000.00

4,063.00 168,308.00

2.35

97.31

179,055.29

538,452.78

6.78

20.38

0.00

15.00

0.00

93.75

0.00

2,015.62

0.00

99.80

0.00

0.37

18

50,000.00 100,000.00

2,050.00 170,358.00

1.19

98.49

194,072.34

732,525.12

7.35

27.73

0.00

15.00

0.00

93.75

0.00

2,015.62

0.00

99.80

0.00

0.28

19

100,000.00 500,000.00

2,063.00 172,421.00

1.19

99.68

591,580.07

1,324,105.18

22.40

50.13

1.00

16.00

6.25 100.00

4.14

2,019.76

0.20

100.00

0.00

0.15

20

500,000.00 UP

546.00 172,967.00

0.32

100.00 1,317,461.08

2,641,566.26

49.87

100.00

0.00

16.00

0.00 100.00

0.00

2,019.76

0.00

100.00

0.00

0.08

36



: 2011

OCCUPATION

: ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

16,874.00

16,874.00

10.17

10.17

685.02

685.02

0.02

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

12,849.00

29,723.00

7.74

17.91

1,529.62

2,214.64

0.05

0.08

1.00

1.00

1.16

1.16

3.80

3.80

0.03

0.03

0.25

0.17

3

100.00 200.00

19,254.00

48,977.00

11.60

29.52

4,296.70

6,511.34

0.15

0.23

4.00

5.00

4.65

5.81

84.19

87.99

0.69

0.72

1.96

1.35

4

200.00 300.00

13,528.00

62,505.00

8.15

37.67

4,887.86

11,399.20

0.17

0.41

2.00

7.00

2.33

8.14

12.51

100.51

0.10

0.83

0.26

0.88

5

300.00 500.00

19,201.00

81,706.00

11.57

49.24

11,194.30

22,593.50

0.40

0.80

24.00

31.00

27.91

36.05

77.11

177.62

0.63

1.46

0.69

0.79

6

500.00 750.00

13,193.00

94,899.00

7.95

57.19

11,566.67

34,160.17

0.41

1.21

7.00

38.00

8.14

44.19

154.25

331.87

1.27

2.73

1.33

0.97

7

750.00 1,000.00

13,546.00 108,445.00

8.16

65.36

17,470.34

51,630.52

0.62

1.83

3.00

41.00

3.49

47.67

75.92

407.79

0.62

3.35

0.43

0.79

8

1,000.00 1,500.00

13,689.00 122,134.00

8.25

73.61

24,266.40

75,896.92

0.86

2.70

4.00

45.00

4.65

52.33

133.04

540.83

1.09

4.45

0.55

0.71

9

1,500.00 2,000.00

7,370.00 129,504.00

4.44

78.05

18,504.28

94,401.20

0.66

3.35

5.00

50.00

5.81

58.14

422.12

962.95

3.47

7.92

2.28

1.02

10

2,000.00 2,500.00

4,638.00 134,142.00

2.80

80.85

14,850.11

109,251.31

0.53

3.88

2.00

52.00

2.33

60.47

164.22

1,127.17

1.35

9.27

1.11

1.03

11

2,500.00 3,000.00

3,652.00 137,794.00

2.20

83.05

14,442.61

123,693.91

0.51

4.40

3.00

55.00

3.49

63.95

193.30

1,320.47

1.59

10.86

1.34

1.07

12

3,000.00 4,000.00

4,684.00 142,478.00

2.82

85.87

23,095.60

146,789.52

0.82

5.22

3.00

58.00

3.49

67.44

104.87

1,425.34

0.86

11.72

0.45

0.97

13

4,000.00 5,000.00

3,324.00 145,802.00

2.00

87.87

21,441.05

168,230.57

0.76

5.98

3.00

61.00

3.49

70.93

206.61

1,631.94

1.70

13.42

0.96

0.97

14

5,000.00 7,500.00

4,469.00 150,271.00

2.69

90.57

38,766.80

206,997.37

1.38

7.36

8.00

69.00

9.30

80.23

520.68

2,152.62

4.28

17.70

1.34

1.04

15

7,500.00 10,000.00

2,914.00 153,185.00

1.76

92.32

36,657.47

243,654.84

1.30

8.66

2.00

71.00

2.33

82.56

203.02

2,355.64

1.67

19.37

0.55

0.97

16

10,000.00 20,000.00

4,571.00 157,756.00

2.75

95.08

91,996.91

335,651.75

3.27

11.93

2.00

73.00

2.33

84.88

596.76

2,952.41

4.91

24.27

0.65

0.88

17

20,000.00 50,000.00

3,914.00 161,670.00

2.36

97.44

169,559.47

505,211.22

6.03

17.95

8.00

81.00

9.30

94.19

1,338.88

4,291.29

11.01

35.28

0.79

0.85

18

50,000.00 100,000.00

1,800.00 163,470.00

1.08

98.52

171,164.80

676,376.03

6.08

24.03

2.00

83.00

2.33

96.51

446.27

4,737.55

3.67

38.95

0.26

0.70

19

100,000.00 500,000.00

1,908.00 165,378.00

1.15

99.67

531,068.17

1,207,444.19

18.87

42.91

3.00

86.00

3.49 100.00

7,425.90

12,163.45

61.05

100.00

1.40

1.01

20

500,000.00 UP

545.00 165,923.00

0.33

100.00 1,606,747.78

2,814,191.97

57.09

100.00

0.00

86.00

0.00 100.00

0.00

12,163.45

0.00

100.00

0.00

0.43

37



:2010

OCCUPATION

:ALL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

19,825.00

19,825.00

12.05

12.05

719.83

719.83

0.03

0.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

14,511.00

34,336.00

8.82

20.86

1,682.68

2,402.52

0.08

0.11

1.00

1.00

2.04

2.04

11.00

11.00

0.03

0.03

0.65

0.46

3

100.00 200.00

20,023.00

54,359.00

12.17

33.03

4,270.54

6,673.06

0.20

0.32

2.00

3.00

4.08

6.12

27.92

38.92

0.06

0.09

0.65

0.58

4

200.00 300.00

12,898.00

67,257.00

7.84

40.87

4,655.51

11,328.57

0.22

0.54

0.00

3.00

0.00

6.12

0.00

38.92

0.00

0.09

0.00

0.34

5

300.00 500.00

18,153.00

85,410.00

11.03

51.90

10,485.00

21,813.57

0.50

1.03

3.00

6.00

6.12

12.24

62.26

101.18

0.14

0.23

0.59

0.46

6

500.00 750.00

15,940.00 101,350.00

9.69

61.58

13,879.27

35,692.84

0.66

1.69

2.00

8.00

4.08

16.33

204.71

305.90

0.47

0.71

1.47

0.86

7

750.00 1,000.00

14,448.00 115,798.00

8.78

70.36

17,282.10

52,974.94

0.82

2.50

3.00

11.00

6.12

22.45

76.64

382.54

0.18

0.88

0.44

0.72

8

1,000.00 1,500.00

10,782.00 126,580.00

6.55

76.91

18,453.48

71,428.42

0.87

3.37

3.00

14.00

6.12

28.57

407.65

790.19

0.94

1.82

2.21

1.11

9

1,500.00 2,000.00

6,564.00 133,144.00

3.99

80.90

16,335.99

87,764.42

0.77

4.15

3.00

17.00

6.12

34.69

886.82

1,677.01

2.04

3.87

5.43

1.91

10

2,000.00 2,500.00

4,214.00 137,358.00

2.56

83.46

13,273.03

101,037.44

0.63

4.77

4.00

21.00

8.16

42.86

73.01

1,750.02

0.17

4.03

0.55

1.73

11

2,500.00 3,000.00

3,259.00 140,617.00

1.98

85.44

12,413.45

113,450.90

0.59

5.36

2.00

23.00

4.08

46.94

331.24

2,081.25

0.76

4.80

2.67

1.83

12

3,000.00 4,000.00

3,988.00 144,605.00

2.42

87.86

19,635.50

133,086.39

0.93

6.29

3.00

26.00

6.12

53.06

139.58

2,220.84

0.32

5.12

0.71

1.67

13

4,000.00 5,000.00

2,800.00 147,405.00

1.70

89.57

17,853.92

150,940.31

0.84

7.13

2.00

28.00

4.08

57.14

216.56

2,437.40

0.50

5.62

1.21

1.61

14

5,000.00 7,500.00

3,773.00 151,178.00

2.29

91.86

31,940.59

182,880.90

1.51

8.64

1.00

29.00

2.04

59.18

3.72

2,441.12

0.01

5.63

0.01

1.33

15

7,500.00 10,000.00

2,435.00 153,613.00

1.48

93.34

29,920.68

212,801.58

1.41

10.05

2.00

31.00

4.08

63.27

12.69

2,453.81

0.03

5.66

0.04

1.15

16

10,000.00 20,000.00

3,898.00 157,511.00

2.37

95.71

77,780.96

290,582.55

3.67

13.73

1.00

32.00

2.04

65.31

76.77

2,530.58

0.18

5.83

0.10

0.87

17

20,000.00 50,000.00

3,350.00 160,861.00

2.04

97.74

143,184.08

433,766.63

6.76

20.49

2.00

34.00

4.08

69.39

37.63

2,568.21

0.09

5.92

0.03

0.59

18

50,000.00 100,000.00

1,585.00 162,446.00

0.96

98.70

149,801.98

583,568.61

7.08

27.57

4.00

38.00

8.16

77.55

77.11

2,645.32

0.18

6.10

0.05

0.45

19

100,000.00 500,000.00

1,699.00 164,145.00

1.03

99.74

449,982.98

1,033,551.59

21.26

48.83

4.00

42.00

8.16

85.71

3,680.92

6,326.24

8.49

14.59

0.82

0.61

20

500,000.00 UP

433.00 164,578.00

0.26

100.00 1,083,142.17

2,116,693.76

51.17

100.00

7.00

49.00

14.29 100.00

37,048.18

43,374.43

85.41

100.00

3.42

2.05

38



: 2014

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)


NUMBER OF RISK

F ∑(d)

FROM

TO

f

(b)

(c)

(d)

(e)

PERCENTAGE CUM ∑(f)

rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

1.00

1.00

0.45

0.45

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

3.00

4.00

1.34

1.79

0.27

0.27

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

4.00

8.00

1.79

3.57

0.62

0.89

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

3.00

11.00

1.34

4.91

0.95

1.84

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

4.00

15.00

1.79

6.70

2.49

4.33

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

5.00

20.00

2.23

8.93

3.02

7.35

0.02

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

7.00

27.00

3.13

12.05

6.63

13.98

0.04

0.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

10.00

37.00

4.46

16.52

15.25

29.23

0.08

0.16

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

15.00

52.00

6.70

23.21

38.08

67.32

0.20

0.36

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

12.00

64.00

5.36

28.57

33.29

100.61

0.18

0.54

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

5.00

69.00

2.23

30.80

20.87

121.47

0.11

0.65

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

9.00

78.00

4.02

34.82

46.59

168.06

0.25

0.90

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

8.00

86.00

3.57

38.39

50.31

218.37

0.27

1.17

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

12.00

98.00

5.36

43.75

99.39

317.76

0.53

1.70

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

6.00

104.00

2.68

46.43

65.25

383.01

0.35

2.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

6.00

110.00

2.68

49.11

139.01

522.02

0.74

2.80

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

30.00

140.00

13.39

62.50

1,353.66

1,875.68

7.25

10.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

25.00

165.00

11.16

73.66

2,142.79

4,018.47

11.47

21.52

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

58.00

223.00

25.89

99.55

13,204.33

17,222.80

70.70

92.22

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

1.00

224.00

0.45

100.00

1,452.46

18,675.26

7.78

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

39



: 2014

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

4,252.00

4,252.00

6.94

6.94

157.97

157.97

0.03

0.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

4,175.00

8,427.00

6.81

13.75

467.10

625.07

0.08

0.10

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

5,515.00

13,942.00

9.00

22.74

1,213.99

1,839.06

0.20

0.30

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

3,840.00

17,782.00

6.26

29.00

1,472.00

3,311.06

0.24

0.53

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

7,328.00

25,110.00

11.95

40.96

4,622.80

7,933.86

0.75

1.28

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

5,398.00

30,508.00

8.80

49.76

5,092.26

13,026.11

0.82

2.10

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

5,153.00

35,661.00

8.41

58.17

6,830.88

19,856.99

1.10

3.21

1.00

1.00

50.00

50.00

60.00

60.00

79.21

79.21

0.88

0.30

8

1,000.00 1,500.00

5,094.00

40,755.00

8.31

66.48

9,419.45

29,276.45

1.52

4.73

0.00

1.00

0.00

50.00

0.00

60.00

0.00

79.21

0.00

0.20

9

1,500.00 2,000.00

3,786.00

44,541.00

6.18

72.65

9,783.33

39,059.78

1.58

6.30

0.00

1.00

0.00

50.00

0.00

60.00

0.00

79.21

0.00

0.15

10

2,000.00 2,500.00

2,197.00

46,738.00

3.58

76.23

7,254.86

46,314.64

1.17

7.48

0.00

1.00

0.00

50.00

0.00

60.00

0.00

79.21

0.00

0.13

11

2,500.00 3,000.00

1,796.00

48,534.00

2.93

79.16

7,222.82

53,537.46

1.17

8.64

0.00

1.00

0.00

50.00

0.00

60.00

0.00

79.21

0.00

0.11

12

3,000.00 4,000.00

2,138.00

50,672.00

3.49

82.65

10,800.44

64,337.90

1.74

10.39

0.00

1.00

0.00

50.00

0.00

60.00

0.00

79.21

0.00

0.09

13

4,000.00 5,000.00

1,619.00

52,291.00

2.64

85.29

10,674.48

75,012.37

1.72

12.11

1.00

2.00

50.00 100.00

15.75

75.75

20.79

100.00

0.15

0.10

14

5,000.00 7,500.00

2,205.00

54,496.00

3.60

88.89

19,562.78

94,575.15

3.16

15.27

0.00

2.00

0.00 100.00

0.00

75.75

0.00

100.00

0.00

0.08

15

7,500.00 10,000.00

1,393.00

55,889.00

2.27

91.16

17,593.25

112,168.41

2.84

18.11

0.00

2.00

0.00 100.00

0.00

75.75

0.00

100.00

0.00

0.07

16

10,000.00 20,000.00

2,093.00

57,982.00

3.41

94.57

42,616.83

154,785.24

6.88

24.98

0.00

2.00

0.00 100.00

0.00

75.75

0.00

100.00

0.00

0.05

17

20,000.00 50,000.00

1,685.00

59,667.00

2.75

97.32

78,119.89

232,905.13

12.61

37.59

0.00

2.00

0.00 100.00

0.00

75.75

0.00

100.00

0.00

0.03

18

50,000.00 100,000.00

950.00

60,617.00

1.55

98.87

79,021.48

311,926.61

12.76

50.35

0.00

2.00

0.00 100.00

0.00

75.75

0.00

100.00

0.00

0.02

19

100,000.00 500,000.00

608.00

61,225.00

0.99

99.86

177,400.02

489,326.63

28.63

78.98

0.00

2.00

0.00 100.00

0.00

75.75

0.00

100.00

0.00

0.02

20

500,000.00 UP

83.00

61,308.00

0.14

100.00

130,197.43

619,524.06

21.02

100.00

0.00

2.00

0.00 100.00

0.00

75.75

0.00

100.00

0.00

0.01

40



: 2014

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f

F ∑(d)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

439.00

439.00

4.17

4.17

12.63

12.63

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

268.00

707.00

2.55

6.72

28.76

41.40

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

403.00

1,110.00

3.83

10.56

89.60

131.00

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

278.00

1,388.00

2.64

13.20

100.36

231.36

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

469.00

1,857.00

4.46

17.66

284.34

515.70

0.02

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

433.00

2,290.00

4.12

21.78

411.99

927.69

0.03

0.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

457.00

2,747.00

4.35

26.12

592.35

1,520.04

0.04

0.12

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

630.00

3,377.00

5.99

32.11

1,170.87

2,690.91

0.09

0.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

511.00

3,888.00

4.86

36.97

1,306.54

3,997.45

0.10

0.30

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

397.00

4,285.00

3.78

40.75

1,283.78

5,281.23

0.10

0.40

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

316.00

4,601.00

3.00

43.75

1,243.17

6,524.40

0.09

0.49

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

515.00

5,116.00

4.90

48.65

2,590.28

9,114.68

0.20

0.69

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

371.00

5,487.00

3.53

52.18

2,486.72

11,601.40

0.19

0.88

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

654.00

6,141.00

6.22

58.40

5,912.63

17,514.04

0.45

1.33

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

506.00

6,647.00

4.81

63.21

6,726.99

24,241.03

0.51

1.83

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

1,002.00

7,649.00

9.53

72.74

21,007.11

45,248.13

1.59

3.43

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

1,102.00

8,751.00

10.48

83.22

54,184.04

99,432.18

4.10

7.53

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

678.00

9,429.00

6.45

89.66

72,331.00

171,763.17

5.48

13.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

787.00

10,216.00

7.48

97.15

254,011.23

425,774.40

19.23

32.23

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

300.00

10,516.00

2.85

100.00

895,315.81

1,321,090.22

67.77

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

41



: 2014

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

5,341.00

5,341.00

8.11

8.11

167.43

167.43

0.04

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

7,153.00

12,494.00

10.86

18.97

918.27

1,085.70

0.23

0.27

2.00

2.00

50.00

50.00

60.00

60.00

50.00

50.00

6.53

5.53

3

100.00 200.00

8,210.00

20,704.00

12.47

31.44

1,750.17

2,835.87

0.43

0.70

0.00

2.00

0.00

50.00

0.00

60.00

0.00

50.00

0.00

2.12

4

200.00 300.00

6,557.00

27,261.00

9.96

41.39

2,348.14

5,184.01

0.58

1.28

1.00

3.00

25.00

75.00

30.00

90.00

25.00

75.00

1.28

1.74

5

300.00 500.00

9,575.00

36,836.00

14.54

55.93

5,284.37

10,468.38

1.31

2.59

1.00

4.00

25.00 100.00

30.00

120.00

25.00

100.00

0.57

1.15

6

500.00 750.00

6,302.00

43,138.00

9.57

65.50

5,243.54

15,711.91

1.30

3.89

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.76

7

750.00 1,000.00

5,339.00

48,477.00

8.11

73.61

6,363.34

22,075.25

1.57

5.46

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.54

8

1,000.00 1,500.00

5,084.00

53,561.00

7.72

81.33

8,449.67

30,524.92

2.09

7.56

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.39

9

1,500.00 2,000.00

2,958.00

56,519.00

4.49

85.82

6,976.74

37,501.66

1.73

9.28

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.32

10

2,000.00 2,500.00

1,781.00

58,300.00

2.70

88.52

5,392.77

42,894.43

1.33

10.62

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.28

11

2,500.00 3,000.00

1,363.00

59,663.00

2.07

90.59

5,127.42

48,021.84

1.27

11.89

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.25

12

3,000.00 4,000.00

1,524.00

61,187.00

2.31

92.91

7,097.96

55,119.80

1.76

13.64

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.22

13

4,000.00 5,000.00

982.00

62,169.00

1.49

94.40

5,903.49

61,023.29

1.46

15.10

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.20

14

5,000.00 7,500.00

1,123.00

63,292.00

1.71

96.10

9,123.68

70,146.97

2.26

17.36

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.17

15

7,500.00 10,000.00

633.00

63,925.00

0.96

97.06

7,593.78

77,740.75

1.88

19.24

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.15

16

10,000.00 20,000.00

807.00

64,732.00

1.23

98.29

15,972.91

93,713.66

3.95

23.20

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.13

17

20,000.00 50,000.00

533.00

65,265.00

0.81

99.10

22,779.04

116,492.69

5.64

28.83

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.10

18

50,000.00 100,000.00

230.00

65,495.00

0.35

99.45

24,602.82

141,095.51

6.09

34.92

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.09

19

100,000.00 500,000.00

317.00

65,812.00

0.48

99.93

97,748.05

238,843.57

24.19

59.12

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.05

20

500,000.00 UP

46.00

65,858.00

0.07

100.00

165,178.22

404,021.79

40.88

100.00

0.00

4.00

0.00 100.00

0.00

120.00

0.00

100.00

0.00

0.03

42



: 2013

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)


NUMBER OF RISK

F ∑(d)

FROM

TO

f

(b)

(c)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

9.00

9.00

1.87

1.87

0.22

0.22

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

0.00

9.00

0.00

1.87

0.07

0.29

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

6.00

15.00

1.25

3.12

1.48

1.77

0.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

12.00

27.00

2.49

5.61

5.12

6.89

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

21.00

48.00

4.37

9.98

12.39

19.28

0.04

0.06

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

26.00

74.00

5.41

15.38

21.73

41.01

0.06

0.12

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

14.00

88.00

2.91

18.30

16.35

57.37

0.05

0.16

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

16.00

104.00

3.33

21.62

35.61

92.98

0.10

0.27

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

18.00

122.00

3.74

25.36

37.09

130.07

0.11

0.37

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

17.00

139.00

3.53

28.90

55.26

185.33

0.16

0.53

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

13.00

152.00

2.70

31.60

54.48

239.81

0.16

0.69

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

20.00

172.00

4.16

35.76

100.01

339.81

0.29

0.97

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

16.00

188.00

3.33

39.09

138.68

478.49

0.40

1.37

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

35.00

223.00

7.28

46.36

303.64

782.13

0.87

2.24

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

18.00

241.00

3.74

50.10

268.47

1,050.60

0.77

3.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

33.00

274.00

6.86

56.96

713.64

1,764.23

2.05

5.06

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

58.00

332.00

12.06

69.02

2,765.68

4,529.91

7.93

12.99

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

78.00

410.00

16.22

85.24

7,626.54

12,156.46

21.87

34.86

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

68.00

478.00

14.14

99.38

15,115.92

27,272.38

43.34

78.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

3.00

481.00

0.62

100.00

7,604.09

34,876.46

21.80

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

43



: 2013

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

8,454.00

8,454.00

8.46

8.46

360.70

360.70

0.02

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

8,862.00

17,316.00

8.87

17.34

1,012.27

1,372.97

0.06

0.08

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,207.00

26,523.00

9.22

26.55

2,083.09

3,456.06

0.12

0.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

6,189.00

32,712.00

6.20

32.75

2,390.75

5,846.82

0.14

0.34

1.00

1.00

2.13

2.13

292.50

292.50

0.09

0.09

12.23

5.00

5

300.00 500.00

9,456.00

42,168.00

9.47

42.22

5,816.08

11,662.89

0.34

0.68

3.00

4.00

6.38

8.51

229.61

522.11

0.07

0.16

3.95

4.48

6

500.00 750.00

8,109.00

50,277.00

8.12

50.33

7,385.04

19,047.94

0.43

1.11

2.00

6.00

4.26

12.77

433.95

956.06

0.14

0.30

5.88

5.02

7

750.00 1,000.00

8,333.00

58,610.00

8.34

58.68

10,921.76

29,969.70

0.64

1.75

6.00

12.00

12.77

25.53

696.75

1,652.81

0.22

0.52

6.38

5.51

8

1,000.00 1,500.00

13,269.00

71,879.00

13.28

71.96

23,364.72

53,334.42

1.36

3.11

14.00

26.00

29.79

55.32

1,109.37

2,762.18

0.35

0.87

4.75

5.18

9

1,500.00 2,000.00

5,522.00

77,401.00

5.53

77.49

14,070.54

67,404.96

0.82

3.93

2.00

28.00

4.26

59.57

1,164.00

3,926.18

0.37

1.24

8.27

5.82

10

2,000.00 2,500.00

3,318.00

80,719.00

3.32

80.81

10,985.80

78,390.76

0.64

4.57

0.00

28.00

0.00

59.57

0.00

3,926.18

0.00

1.24

0.00

5.01

11

2,500.00 3,000.00

2,439.00

83,158.00

2.44

83.25

9,809.33

88,200.09

0.57

5.14

1.00

29.00

2.13

61.70

756.64

4,682.82

0.24

1.47

7.71

5.31

12

3,000.00 4,000.00

2,982.00

86,140.00

2.99

86.24

15,178.07

103,378.15

0.88

6.02

2.00

31.00

4.26

65.96

1,332.57

6,015.39

0.42

1.89

8.78

5.82

13

4,000.00 5,000.00

2,228.00

88,368.00

2.23

88.47

14,650.91

118,029.06

0.85

6.87

1.00

32.00

2.13

68.09

60.00

6,075.39

0.02

1.91

0.41

5.15

14

5,000.00 7,500.00

2,889.00

91,257.00

2.89

91.36

25,739.38

143,768.44

1.50

8.37

2.00

34.00

4.26

72.34

615.87

6,691.26

0.19

2.11

2.39

4.65

15

7,500.00 10,000.00

1,906.00

93,163.00

1.91

93.27

24,234.83

168,003.27

1.41

9.78

2.00

36.00

4.26

76.60

69.19

6,760.44

0.02

2.13

0.29

4.02

16

10,000.00 20,000.00

2,802.00

95,965.00

2.81

96.07

56,384.97

224,388.24

3.28

13.07

2.00

38.00

4.26

80.85

2,635.70

9,396.14

0.83

2.96

4.67

4.19

17

20,000.00 50,000.00

2,225.00

98,190.00

2.23

98.30

99,404.60

323,792.84

5.79

18.86

1.00

39.00

2.13

82.98

30.00

9,426.14

0.01

2.97

0.03

2.91

18

50,000.00 100,000.00

860.00

99,050.00

0.86

99.16

84,856.22

408,649.06

4.94

23.80

3.00

42.00

6.38

89.36

36,048.00

45,474.14

11.35

14.32

42.48

11.13

19

100,000.00 500,000.00

721.00

99,771.00

0.72

99.88

200,136.59

608,785.64

11.66

35.46

5.00

47.00

10.64 100.00 272,190.13

317,664.27

85.68

100.00

136.00

52.18

20

500,000.00 UP

117.00

99,888.00

0.12

100.00 1,108,183.57

1,716,969.21

64.54

100.00

0.00

47.00

317,664.27

0.00

100.00

0.00

18.50

44

0.00 100.00

0.00



: 2013

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)

1

0.00 50.00

2


NUMBER OF RISK

f (d)

F ∑(d) (e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1,682.00

1,682.00

9.27

9.27

43.23

43.23

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50.00 100.00

403.00

2,085.00

2.22

11.49

45.27

88.50

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

613.00

2,698.00

3.38

14.87

145.89

234.39

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

578.00

3,276.00

3.18

18.05

199.11

433.50

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

753.00

4,029.00

4.15

22.20

467.90

901.40

0.02

0.04

1.00

1.00

20.00

20.00

25.00

25.00

1.37

1.37

5.34

2.77

6

500.00 750.00

772.00

4,801.00

4.25

26.45

747.05

1,648.44

0.04

0.08

0.00

1.00

0.00

20.00

0.00

25.00

0.00

1.37

0.00

1.52

7

750.00 1,000.00

660.00

5,461.00

3.64

30.09

868.98

2,517.42

0.04

0.12

0.00

1.00

0.00

20.00

0.00

25.00

0.00

1.37

0.00

0.99

8

1,000.00 1,500.00

1,042.00

6,503.00

5.74

35.83

1,930.48

4,447.90

0.10

0.22

0.00

1.00

0.00

20.00

0.00

25.00

0.00

1.37

0.00

0.56

9

1,500.00 2,000.00

776.00

7,279.00

4.28

40.11

2,050.18

6,498.08

0.10

0.32

0.00

1.00

0.00

20.00

0.00

25.00

0.00

1.37

0.00

0.38

10

2,000.00 2,500.00

625.00

7,904.00

3.44

43.55

2,145.43

8,643.51

0.11

0.43

1.00

2.00

20.00

40.00

42.58

67.58

2.34

3.71

1.98

0.78

11

2,500.00 3,000.00

532.00

8,436.00

2.93

46.48

2,165.77

10,809.28

0.11

0.53

1.00

3.00

20.00

60.00

36.70

104.28

2.01

5.73

1.69

0.96

12

3,000.00 4,000.00

753.00

9,189.00

4.15

50.63

3,906.08

14,715.36

0.19

0.73

1.00

4.00

20.00

80.00

117.00

221.28

6.42

12.15

3.00

1.50

13

4,000.00 5,000.00

617.00

9,806.00

3.40

54.03

4,046.90

18,762.26

0.20

0.93

0.00

4.00

0.00

80.00

0.00

221.28

0.00

12.15

0.00

1.18

14

5,000.00 7,500.00

1,085.00

10,891.00

5.98

60.01

9,648.05

28,410.31

0.48

1.40

0.00

4.00

0.00

80.00

0.00

221.28

0.00

12.15

0.00

0.78

15

7,500.00 10,000.00

892.00

11,783.00

4.91

64.92

11,754.97

40,165.28

0.58

1.98

1.00

5.00

20.00 100.00

1,600.00

1,821.28

87.85

100.00

13.61

4.53

16

10,000.00 20,000.00

1,626.00

13,409.00

8.96

73.88

34,188.27

74,353.55

1.69

3.67

0.00

5.00

0.00 100.00

0.00

1,821.28

0.00

100.00

0.00

2.45

17

20,000.00 50,000.00

1,790.00

15,199.00

9.86

83.75

84,495.41

158,848.96

4.17

7.84

0.00

5.00

0.00 100.00

0.00

1,821.28

0.00

100.00

0.00

1.15

18

50,000.00 100,000.00

1,182.00

16,381.00

6.51

90.26

122,876.49

281,725.44

6.06

13.90

0.00

5.00

0.00 100.00

0.00

1,821.28

0.00

100.00

0.00

0.65

19

100,000.00 500,000.00

1,298.00

17,679.00

7.15

97.41

412,227.65

693,953.09

20.34

34.24

0.00

5.00

0.00 100.00

0.00

1,821.28

0.00

100.00

0.00

0.26

20

500,000.00 UP

470.00

18,149.00

2.59

100.00 1,332,644.95

2,026,598.04

65.76

100.00

0.00

5.00

0.00 100.00

0.00

1,821.28

0.00

100.00

0.00

0.09

45



: 2013

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

5,558.00

5,558.00

8.04

8.04

209.71

209.71

0.04

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

5,268.00

10,826.00

7.62

15.66

600.05

809.75

0.13

0.17

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,247.00

20,073.00

13.37

29.03

2,052.08

2,861.84

0.43

0.60

1.00

1.00

16.67

16.67

0.76

0.76

0.82

0.82

0.04

0.03

4

200.00 300.00

7,099.00

27,172.00

10.27

39.30

2,599.63

5,461.47

0.55

1.15

2.00

3.00

33.33

50.00

34.95

35.70

37.74

38.56

1.34

0.65

5

300.00 500.00

9,426.00

36,598.00

13.63

52.93

5,390.18

10,851.65

1.14

2.29

0.00

3.00

0.00

50.00

0.00

35.70

0.00

38.56

0.00

0.33

6

500.00 750.00

6,467.00

43,065.00

9.35

62.29

5,583.04

16,434.68

1.18

3.47

2.00

5.00

33.33

83.33

11.90

47.60

12.85

51.41

0.21

0.29

7

750.00 1,000.00

5,340.00

48,405.00

7.72

70.01

6,546.73

22,981.41

1.38

4.86

0.00

5.00

0.00

83.33

0.00

47.60

0.00

51.41

0.00

0.21

8

1,000.00 1,500.00

5,388.00

53,793.00

7.79

77.80

9,321.10

32,302.51

1.97

6.83

1.00

6.00

16.67 100.00

45.00

92.60

48.59

100.00

0.48

0.29

9

1,500.00 2,000.00

3,244.00

57,037.00

4.69

82.50

7,916.27

40,218.78

1.67

8.50

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.23

10

2,000.00 2,500.00

2,002.00

59,039.00

2.90

85.39

6,244.76

46,463.54

1.32

9.82

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.20

11

2,500.00 3,000.00

1,503.00

60,542.00

2.17

87.57

5,847.97

52,311.51

1.24

11.06

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.18

12

3,000.00 4,000.00

1,955.00

62,497.00

2.83

90.39

9,484.86

61,796.37

2.00

13.06

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.15

13

4,000.00 5,000.00

1,205.00

63,702.00

1.74

92.14

7,555.28

69,351.65

1.60

14.66

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.13

14

5,000.00 7,500.00

1,586.00

65,288.00

2.29

94.43

13,404.56

82,756.21

2.83

17.49

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.11

15

7,500.00 10,000.00

920.00

66,208.00

1.33

95.76

11,439.63

94,195.83

2.42

19.91

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.10

16

10,000.00 20,000.00

1,328.00

67,536.00

1.92

97.68

26,210.58

120,406.41

5.54

25.45

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.08

17

20,000.00 50,000.00

800.00

68,336.00

1.16

98.84

35,761.32

156,167.73

7.56

33.00

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.06

18

50,000.00 100,000.00

361.00

68,697.00

0.52

99.36

38,626.39

194,794.12

8.16

41.17

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.05

19

100,000.00 500,000.00

368.00

69,065.00

0.53

99.89

126,626.20

321,420.31

26.76

67.93

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.03

20

500,000.00 UP

74.00

69,139.00

0.11

100.00

151,744.29

473,164.60

32.07

100.00

0.00

6.00

0.00 100.00

0.00

92.60

0.00

100.00

0.00

0.02

46



: 2012

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)


NUMBER OF RISK

F ∑(d)

FROM

TO

f

(b)

(c)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

3.00

3.00

0.71

0.71

0.25

0.25

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

3.00

6.00

0.71

1.43

0.61

0.86

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

4.00

10.00

0.95

2.38

1.07

1.93

0.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

9.00

19.00

2.14

4.52

3.20

5.13

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

18.00

37.00

4.29

8.81

10.51

15.64

0.04

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

31.00

68.00

7.38

16.19

28.12

43.76

0.10

0.15

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

9.00

77.00

2.14

18.33

13.92

57.68

0.05

0.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

16.00

93.00

3.81

22.14

28.09

85.76

0.10

0.29

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

23.00

116.00

5.48

27.62

54.94

140.71

0.19

0.48

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

11.00

127.00

2.62

30.24

35.38

176.09

0.12

0.60

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

19.00

146.00

4.52

34.76

59.18

235.27

0.20

0.80

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

18.00

164.00

4.29

39.05

71.42

306.69

0.24

1.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

13.00

177.00

3.10

42.14

98.66

405.35

0.34

1.38

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

30.00

207.00

7.14

49.29

246.98

652.33

0.84

2.22

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

21.00

228.00

5.00

54.29

265.21

917.54

0.90

3.12

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

28.00

256.00

6.67

60.95

499.62

1,417.16

1.70

4.82

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

58.00

314.00

13.81

74.76

2,645.23

4,062.38

8.99

13.81

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

48.00

362.00

11.43

86.19

4,367.47

8,429.85

14.85

28.65

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

52.00

414.00

12.38

98.57

12,434.00

20,863.85

42.26

70.92

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

6.00

420.00

1.43

100.00

8,555.38

29,419.23

29.08

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

47



: 2012

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

10,439.00

10,439.00

11.06

11.06

477.02

477.02

0.07

0.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

8,599.00

19,038.00

9.11

20.18

1,033.87

1,510.89

0.16

0.24

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,698.00

28,736.00

10.28

30.46

2,157.34

3,668.23

0.34

0.57

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

6,311.00

35,047.00

6.69

37.14

2,397.30

6,065.53

0.37

0.94

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

9,313.00

44,360.00

9.87

47.01

5,706.80

11,772.33

0.89

1.83

1.00

1.00

6.67

6.67

17.44

17.44

0.89

0.89

0.31

0.15

6

500.00 750.00

7,204.00

51,564.00

7.64

54.65

6,602.37

18,374.69

1.03

2.86

0.00

1.00

0.00

6.67

0.00

17.44

0.00

0.89

0.00

0.09

7

750.00 1,000.00

8,513.00

60,077.00

9.02

63.67

11,164.28

29,538.98

1.74

4.60

0.00

1.00

0.00

6.67

0.00

17.44

0.00

0.89

0.00

0.06

8

1,000.00 1,500.00

10,604.00

70,681.00

11.24

74.91

18,636.41

48,175.39

2.90

7.50

0.00

1.00

0.00

6.67

0.00

17.44

0.00

0.89

0.00

0.04

9

1,500.00 2,000.00

4,654.00

75,335.00

4.93

79.84

12,088.31

60,263.69

1.88

9.38

4.00

5.00

26.67

33.33

709.83

727.27

36.04

36.92

5.87

1.21

10

2,000.00 2,500.00

2,705.00

78,040.00

2.87

82.71

8,768.67

69,032.36

1.36

10.74

1.00

6.00

6.67

40.00

62.33

789.59

3.16

40.09

0.71

1.14

11

2,500.00 3,000.00

2,110.00

80,150.00

2.24

84.95

8,403.28

77,435.64

1.31

12.05

0.00

6.00

0.00

40.00

0.00

789.59

0.00

40.09

0.00

1.02

12

3,000.00 4,000.00

2,641.00

82,791.00

2.80

87.75

13,409.13

90,844.77

2.09

14.14

0.00

6.00

0.00

40.00

0.00

789.59

0.00

40.09

0.00

0.87

13

4,000.00 5,000.00

1,882.00

84,673.00

1.99

89.74

12,281.19

103,125.96

1.91

16.05

0.00

6.00

0.00

40.00

0.00

789.59

0.00

40.09

0.00

0.77

14

5,000.00 7,500.00

2,488.00

87,161.00

2.64

92.38

21,431.59

124,557.55

3.34

19.39

2.00

8.00

13.33

53.33

319.96

1,109.55

16.24

56.33

1.49

0.89

15

7,500.00 10,000.00

1,592.00

88,753.00

1.69

94.06

19,701.33

144,258.87

3.07

22.45

2.00

10.00

13.33

66.67

555.00

1,664.55

28.18

84.51

2.82

1.15

16

10,000.00 20,000.00

2,411.00

91,164.00

2.56

96.62

47,734.09

191,992.97

7.43

29.88

4.00

14.00

26.67

93.33

301.07

1,965.62

15.28

99.79

0.63

1.02

17

20,000.00 50,000.00

1,778.00

92,942.00

1.88

98.50

75,146.27

267,139.24

11.70

41.58

0.00

14.00

0.00

93.33

0.00

1,965.62

0.00

99.79

0.00

0.74

18

50,000.00 100,000.00

780.00

93,722.00

0.83

99.33

69,578.59

336,717.82

10.83

52.41

0.00

14.00

0.00

93.33

0.00

1,965.62

0.00

99.79

0.00

0.58

19

100,000.00 500,000.00

536.00

94,258.00

0.57

99.90

148,428.74

485,146.56

23.10

75.51

1.00

15.00

6.67 100.00

4.14

1,969.76

0.21

100.00

0.00

0.41

20

500,000.00 UP

95.00

94,353.00

0.10

100.00

157,326.08

642,472.64

24.49

100.00

0.00

15.00

0.00 100.00

0.00

1,969.76

0.00

100.00

0.00

0.31

48



: 2012

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f

F ∑(d)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

990.00

990.00

5.79

5.79

34.56

34.56

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

486.00

1,476.00

2.84

8.63

55.01

89.57

0.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

720.00

2,196.00

4.21

12.84

166.81

256.38

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

677.00

2,873.00

3.96

16.80

247.75

504.13

0.02

0.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

824.00

3,697.00

4.82

21.62

516.91

1,021.04

0.03

0.06

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

735.00

4,432.00

4.30

25.92

700.24

1,721.28

0.04

0.11

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

687.00

5,119.00

4.02

29.94

938.17

2,659.45

0.06

0.16

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

1,003.00

6,122.00

5.87

35.81

1,989.40

4,648.85

0.12

0.29

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

715.00

6,837.00

4.18

39.99

1,920.77

6,569.63

0.12

0.40

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

604.00

7,441.00

3.53

43.52

2,012.09

8,581.72

0.12

0.53

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

531.00

7,972.00

3.11

46.63

2,199.90

10,781.61

0.14

0.66

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

767.00

8,739.00

4.49

51.11

3,980.39

14,762.00

0.24

0.91

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

604.00

9,343.00

3.53

54.64

3,962.99

18,724.99

0.24

1.15

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

1,069.00

10,412.00

6.25

60.90

9,619.51

28,344.50

0.59

1.74

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

815.00

11,227.00

4.77

65.66

10,183.86

38,528.36

0.63

2.37

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

1,564.00

12,791.00

9.15

74.81

31,779.46

70,307.82

1.96

4.33

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

1,704.00

14,495.00

9.97

84.78

76,757.38

147,065.20

4.72

9.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

1,001.00

15,496.00

5.85

90.63

98,493.01

245,558.21

6.06

15.11

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

1,201.00

16,697.00

7.02

97.65

343,549.63

589,107.84

21.14

36.26

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

401.00

17,098.00

2.35

100.00 1,035,791.84

1,624,899.68

63.74

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

49



: 2012

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

5,903.00

5,903.00

9.66

9.66

178.79

178.79

0.05

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

4,478.00

10,381.00

7.33

16.99

502.91

681.70

0.15

0.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

8,781.00

19,162.00

14.37

31.36

1,901.01

2,582.71

0.55

0.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

6,589.00

25,751.00

10.78

42.15

2,357.80

4,940.51

0.68

1.43

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

8,838.00

34,589.00

14.47

56.61

5,034.61

9,975.12

1.46

2.89

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

5,753.00

40,342.00

9.42

66.03

4,940.03

14,915.15

1.43

4.33

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

4,745.00

45,087.00

7.77

73.80

5,744.92

20,660.07

1.67

5.99

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

4,497.00

49,584.00

7.36

81.16

7,651.06

28,311.13

2.22

8.21

1.00

1.00

100.00 100.00

50.00

50.00

100.00

100.00

0.65

0.18

9

1,500.00 2,000.00

2,584.00

52,168.00

4.23

85.39

6,234.17

34,545.30

1.81

10.02

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.14

10

2,000.00 2,500.00

1,556.00

53,724.00

2.55

87.93

4,829.78

39,375.08

1.40

11.42

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.13

11

2,500.00 3,000.00

1,218.00

54,942.00

1.99

89.93

4,636.65

44,011.73

1.34

12.77

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.11

12

3,000.00 4,000.00

1,422.00

56,364.00

2.33

92.25

6,931.53

50,943.25

2.01

14.78

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.10

13

4,000.00 5,000.00

908.00

57,272.00

1.49

93.74

5,872.34

56,815.59

1.70

16.48

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.09

14

5,000.00 7,500.00

1,184.00

58,456.00

1.94

95.68

10,244.55

67,060.14

2.97

19.45

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.07

15

7,500.00 10,000.00

677.00

59,133.00

1.11

96.79

8,593.09

75,653.23

2.49

21.94

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.07

16

10,000.00 20,000.00

901.00

60,034.00

1.47

98.26

20,026.31

95,679.54

5.81

27.75

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.05

17

20,000.00 50,000.00

523.00

60,557.00

0.86

99.12

24,506.42

120,185.96

7.11

34.86

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.04

18

50,000.00 100,000.00

221.00

60,778.00

0.36

99.48

21,633.28

141,819.24

6.27

41.13

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.04

19

100,000.00 500,000.00

274.00

61,052.00

0.45

99.93

87,167.70

228,986.94

25.28

66.42

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.02

20

500,000.00 UP

44.00

61,096.00

0.07

100.00

115,787.78

344,774.72

33.58

100.00

0.00

1.00

0.00 100.00

0.00

50.00

0.00

100.00

0.00

0.01

50



: 2011

OCCUPATION

: AGRICULTURAL

PROCESSING DATE


(a)


NUMBER OF RISK

F ∑(d)

FROM

TO

f

(b)

(c)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

5.00

5.00

1.32

1.32

0.54

0.54

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

5.00

10.00

1.32

2.64

1.06

1.59

0.00

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

10.00

20.00

2.64

5.28

4.55

6.14

0.02

0.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

8.00

28.00

2.11

7.39

4.97

11.11

0.02

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

10.00

38.00

2.64

10.03

9.37

20.48

0.04

0.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

16.00

54.00

4.22

14.25

16.06

36.53

0.07

0.15

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

6.00

60.00

1.58

15.83

6.32

42.85

0.03

0.18

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

26.00

86.00

6.86

22.69

51.87

94.72

0.22

0.40

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

15.00

101.00

3.96

26.65

40.90

135.62

0.17

0.57

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

12.00

113.00

3.17

29.82

44.72

180.34

0.19

0.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

13.00

126.00

3.43

33.25

52.69

233.03

0.22

0.98

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

14.00

140.00

3.69

36.94

68.58

301.61

0.29

1.26

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

7.00

147.00

1.85

38.79

54.14

355.75

0.23

1.49

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

20.00

167.00

5.28

44.06

155.53

511.28

0.65

2.14

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

23.00

190.00

6.07

50.13

247.82

759.10

1.04

3.18

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

32.00

222.00

8.44

58.58

536.16

1,295.26

2.24

5.42

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

63.00

285.00

16.62

75.20

2,483.45

3,778.71

10.39

15.81

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

47.00

332.00

12.40

87.60

4,569.84

8,348.55

19.12

34.94

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

40.00

372.00

10.55

98.15

7,644.18

15,992.73

31.99

66.92

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

7.00

379.00

1.85

100.00

7,904.59

23,897.32

33.08

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

51



: 2011

OCCUPATION

: COMMERCIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

12,635.00

12,635.00

13.82

13.82

520.92

520.92

0.07

0.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

7,888.00

20,523.00

8.63

22.45

941.94

1,462.86

0.13

0.19

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

9,530.00

30,053.00

10.43

32.88

2,169.73

3,632.59

0.29

0.48

1.00

1.00

1.64

1.64

4.82

4.82

0.04

0.04

0.22

0.13

4

200.00 300.00

6,257.00

36,310.00

6.84

39.72

2,328.55

5,961.13

0.31

0.79

1.00

2.00

1.64

3.28

6.98

11.80

0.06

0.10

0.30

0.20

5

300.00 500.00

9,454.00

45,764.00

10.34

50.06

5,734.48

11,695.61

0.76

1.56

16.00

18.00

26.23

29.51

65.99

77.79

0.56

0.65

1.15

0.67

6

500.00 750.00

6,700.00

52,464.00

7.33

57.39

6,030.26

17,725.87

0.80

2.36

3.00

21.00

4.92

34.43

111.19

188.98

0.94

1.59

1.84

1.07

7

750.00 1,000.00

8,385.00

60,849.00

9.17

66.57

11,237.50

28,963.37

1.50

3.86

1.00

22.00

1.64

36.07

62.47

251.45

0.53

2.12

0.56

0.87

8

1,000.00 1,500.00

8,429.00

69,278.00

9.22

75.79

15,159.07

44,122.45

2.02

5.88

2.00

24.00

3.28

39.34

107.84

359.29

0.91

3.02

0.71

0.81

9

1,500.00 2,000.00

4,191.00

73,469.00

4.58

80.37

10,683.35

54,805.79

1.42

7.30

4.00

28.00

6.56

45.90

373.42

732.70

3.14

6.17

3.50

1.34

10

2,000.00 2,500.00

2,591.00

76,060.00

2.83

83.21

8,398.39

63,204.19

1.12

8.42

2.00

30.00

3.28

49.18

164.22

896.92

1.38

7.55

1.96

1.42

11

2,500.00 3,000.00

1,976.00

78,036.00

2.16

85.37

7,949.19

71,153.38

1.06

9.48

2.00

32.00

3.28

52.46

179.63

1,076.55

1.51

9.06

2.26

1.51

12

3,000.00 4,000.00

2,562.00

80,598.00

2.80

88.17

12,763.72

83,917.09

1.70

11.18

3.00

35.00

4.92

57.38

104.87

1,181.42

0.88

9.94

0.82

1.41

13

4,000.00 5,000.00

1,859.00

82,457.00

2.03

90.20

12,133.93

96,051.03

1.62

12.79

3.00

38.00

4.92

62.30

206.61

1,388.03

1.74

11.68

1.70

1.45

14

5,000.00 7,500.00

2,372.00

84,829.00

2.59

92.80

20,397.28

116,448.31

2.72

15.51

7.00

45.00

11.48

73.77

510.56

1,898.58

4.30

15.98

2.50

1.63

15

7,500.00 10,000.00

1,487.00

86,316.00

1.63

94.43

18,585.95

135,034.26

2.48

17.98

2.00

47.00

3.28

77.05

203.02

2,101.61

1.71

17.68

1.09

1.56

16

10,000.00 20,000.00

2,302.00

88,618.00

2.52

96.94

44,071.74

179,106.00

5.87

23.85

2.00

49.00

3.28

80.33

596.76

2,698.37

5.02

22.71

1.35

1.51

17

20,000.00 50,000.00

1,680.00

90,298.00

1.84

98.78

71,930.51

251,036.51

9.58

33.43

7.00

56.00

11.48

91.80

1,313.72

4,012.10

11.05

33.76

1.83

1.60

18

50,000.00 100,000.00

622.00

90,920.00

0.68

99.46

61,637.08

312,673.58

8.21

41.64

2.00

58.00

3.28

95.08

446.27

4,458.36

3.76

37.51

0.72

1.43

19

100,000.00 500,000.00

421.00

91,341.00

0.46

99.92

115,221.65

427,895.23

15.35

56.99

3.00

61.00

4.92 100.00

7,425.90

11,884.26

62.49

100.00

6.44

2.78

20

500,000.00 UP

71.00

91,412.00

0.08

100.00

322,944.19

750,839.42

43.01

100.00

0.00

61.00

0.00 100.00

0.00

11,884.26

0.00

100.00

0.00

1.58

52



: 2011

OCCUPATION

: INDUSTRIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f

F ∑(d)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

501.00

501.00

3.34

3.34

16.38

16.38

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

288.00

789.00

1.92

5.26

36.30

52.68

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

552.00

1,341.00

3.68

8.94

133.26

185.93

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

386.00

1,727.00

2.57

11.52

163.39

349.32

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

686.00

2,413.00

4.57

16.09

445.59

794.91

0.03

0.05

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

583.00

2,996.00

3.89

19.98

586.06

1,380.97

0.03

0.08

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

663.00

3,659.00

4.42

24.40

915.28

2,296.25

0.05

0.14

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

955.00

4,614.00

6.37

30.77

1,846.17

4,142.42

0.11

0.24

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

708.00

5,322.00

4.72

35.49

1,933.47

6,075.88

0.11

0.36

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

544.00

5,866.00

3.63

39.12

1,800.67

7,876.55

0.11

0.46

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

471.00

6,337.00

3.14

42.26

2,057.10

9,933.65

0.12

0.59

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

735.00

7,072.00

4.90

47.16

3,648.53

13,582.18

0.21

0.80

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

593.00

7,665.00

3.95

51.12

3,888.17

17,470.35

0.23

1.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

955.00

8,620.00

6.37

57.49

8,305.72

25,776.07

0.49

1.52

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

763.00

9,383.00

5.09

62.57

9,649.18

35,425.25

0.57

2.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

1,427.00

10,810.00

9.52

72.09

28,932.92

64,358.17

1.70

3.79

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

1,638.00

12,448.00

10.92

83.01

70,599.83

134,958.01

4.16

7.95

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

919.00

13,367.00

6.13

89.14

81,974.52

216,932.52

4.83

12.78

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

1,204.00

14,571.00

8.03

97.17

328,054.23

544,986.75

19.33

32.11

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

424.00

14,995.00

2.83

100.00 1,152,053.49

1,697,040.24

67.89

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

53



: 2011

OCCUPATION

: RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

3,733.00

3,733.00

6.31

6.31

147.20

147.20

0.04

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

4,668.00

8,401.00

7.89

14.21

550.32

697.52

0.16

0.20

1.00

1.00

4.00

4.00

3.80

3.80

1.36

1.36

0.69

0.55

3

100.00 200.00

9,162.00

17,563.00

15.49

29.70

1,989.17

2,686.68

0.58

0.78

3.00

4.00

12.00

16.00

79.38

83.18

28.43

29.79

3.99

3.10

4

200.00 300.00

6,877.00

24,440.00

11.63

41.33

2,390.96

5,077.64

0.70

1.48

1.00

5.00

4.00

20.00

5.53

88.71

1.98

31.77

0.23

1.75

5

300.00 500.00

9,051.00

33,491.00

15.31

56.63

5,004.86

10,082.50

1.46

2.94

8.00

13.00

32.00

52.00

11.12

99.83

3.98

35.76

0.22

0.99

6

500.00 750.00

5,894.00

39,385.00

9.97

66.60

4,934.30

15,016.80

1.44

4.39

4.00

17.00

16.00

68.00

43.05

142.89

15.42

51.18

0.87

0.95

7

750.00 1,000.00

4,492.00

43,877.00

7.60

74.20

5,311.25

20,328.05

1.55

5.94

2.00

19.00

8.00

76.00

13.45

156.34

4.82

56.00

0.25

0.77

8

1,000.00 1,500.00

4,279.00

48,156.00

7.24

81.43

7,209.29

27,537.34

2.11

8.04

2.00

21.00

8.00

84.00

25.21

181.55

9.03

65.03

0.35

0.66

9

1,500.00 2,000.00

2,456.00

50,612.00

4.15

85.58

5,846.57

33,383.90

1.71

9.75

1.00

22.00

4.00

88.00

48.70

230.25

17.45

82.47

0.83

0.69

10

2,000.00 2,500.00

1,491.00

52,103.00

2.52

88.11

4,606.33

37,990.23

1.35

11.09

0.00

22.00

0.00

88.00

0.00

230.25

0.00

82.47

0.00

0.61

11

2,500.00 3,000.00

1,192.00

53,295.00

2.02

90.12

4,383.63

42,373.86

1.28

12.38

1.00

23.00

4.00

92.00

13.67

243.92

4.89

87.37

0.31

0.58

12

3,000.00 4,000.00

1,373.00

54,668.00

2.32

92.44

6,614.77

48,988.63

1.93

14.31

0.00

23.00

0.00

92.00

0.00

243.92

0.00

87.37

0.00

0.50

13

4,000.00 5,000.00

865.00

55,533.00

1.46

93.91

5,364.81

54,353.44

1.57

15.87

0.00

23.00

0.00

92.00

0.00

243.92

0.00

87.37

0.00

0.45

14

5,000.00 7,500.00

1,122.00

56,655.00

1.90

95.80

9,908.27

64,261.71

2.89

18.77

1.00

24.00

4.00

96.00

10.12

254.04

3.62

90.99

0.10

0.40

15

7,500.00 10,000.00

641.00

57,296.00

1.08

96.89

8,174.52

72,436.23

2.39

21.15

0.00

24.00

0.00

96.00

0.00

254.04

0.00

90.99

0.00

0.35

16

10,000.00 20,000.00

810.00

58,106.00

1.37

98.26

18,456.08

90,892.32

5.39

26.54

0.00

24.00

0.00

96.00

0.00

254.04

0.00

90.99

0.00

0.28

17

20,000.00 50,000.00

533.00

58,639.00

0.90

99.16

24,545.68

115,438.00

7.17

33.71

1.00

25.00

4.00 100.00

25.15

279.19

9.01

100.00

0.10

0.24

18

50,000.00 100,000.00

212.00

58,851.00

0.36

99.52

22,983.37

138,421.37

6.71

40.43

0.00

25.00

0.00 100.00

0.00

279.19

0.00

100.00

0.00

0.20

19

100,000.00 500,000.00

243.00

59,094.00

0.41

99.93

80,148.12

218,569.49

23.41

63.83

0.00

25.00

0.00 100.00

0.00

279.19

0.00

100.00

0.00

0.13

20

500,000.00 UP

43.00

59,137.00

0.07

100.00

123,845.51

342,415.00

36.17

100.00

0.00

25.00

0.00 100.00

0.00

279.19

0.00

100.00

0.00

0.08

54



:2010

OCCUPATION

:AGRICULTURAL

PROCESSING DATE


(a)


NUMBER OF RISK

FROM

TO

f

F ∑(d)

(b)

(c)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

10.00

10.00

2.27

2.27

0.45

0.45

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

10.00

20.00

2.27

4.54

1.28

1.73

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

15.00

35.00

3.40

7.94

3.26

4.98

0.02

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

11.00

46.00

2.49

10.43

3.60

8.58

0.02

0.04

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

14.00

60.00

3.17

13.61

6.76

15.34

0.03

0.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

7.00

67.00

1.59

15.19

5.02

20.37

0.02

0.10

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

10.00

77.00

2.27

17.46

11.59

31.96

0.06

0.15

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

26.00

103.00

5.90

23.36

45.11

77.07

0.22

0.37

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

35.00

138.00

7.94

31.29

82.59

159.66

0.40

0.77

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00 2,500.00

7.00

145.00

1.59

32.88

27.65

187.31

0.13

0.90

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00 3,000.00

11.00

156.00

2.49

35.37

40.73

228.04

0.20

1.09

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00 4,000.00

13.00

169.00

2.95

38.32

55.85

283.89

0.27

1.36

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00 5,000.00

12.00

181.00

2.72

41.04

67.69

351.58

0.32

1.69

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00 7,500.00

28.00

209.00

6.35

47.39

200.41

551.98

0.96

2.65

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00 10,000.00

18.00

227.00

4.08

51.47

217.83

769.82

1.05

3.70

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00 20,000.00

37.00

264.00

8.39

59.86

658.85

1,428.67

3.16

6.86

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00 50,000.00

61.00

325.00

13.83

73.70

2,619.52

4,048.19

12.58

19.44

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00 100,000.00

55.00

380.00

12.47

86.17

5,288.89

9,337.08

25.39

44.83

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00 500,000.00

56.00

436.00

12.70

98.87

8,409.49

17,746.57

40.37

85.20

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00 UP

5.00

441.00

1.13

100.00

3,082.34

20,828.91

14.80

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

55

PT. PT. Reasuransi Reasuransi MAIPARK MAIPARK Indonesia Indonesia

RISK RISK & & LOSS LOSS PROFILE PROFILE As As At At 31/12/2014 31/12/2014 UNDERWRTING YEAR

:2010

OCCUPATION OCCUPATION

:AGRICULTURAL :COMMERCIAL

PROCESSING PROCESSINGDATE DATE

SUM SUM INSURED INSURED (BAND) (BAND) (in (in million million Rp) Rp) BAND BAND

F F ∑(d) ∑(d)

FROM FROM

TO TO

ff

(b) (b)

(c) (c) 0.00 0.00 50.00 50.00

(d) (d) 10.00 13,328.00

(e) (e) 10.00 13,328.00

2 2

50.00 50.00 100.00 100.00

10.00 6,432.00

3 3

100.00 100.00 200.00 200.00

15.00 8,905.00

4 4

200.00 300.00 200.00 300.00

5 5

(a) (a) 1 1

GROSS GROSS PREMIUM PREMIUM (In (In million million Rp) Rp)

NUMBER NUMBER OF OF RISK RISK PERCENTAGE PERCENTAGE BAND CUM BAND CUM (d)/∑(d) ∑(f) (d)/∑(d) ∑(f) (f) (f) 2.27 16.04

(g) (g) 2.27 16.04

20.00 19,760.00

2.27 7.74

35.00 28,665.00

3.40 10.72

11.00 5,674.00

46.00 34,339.00

300.00 500.00 300.00 500.00

14.00 8,459.00

6 6

500.00 750.00 500.00 750.00

7 7

750.00 1,000.00 750.00 1,000.00

8 8 9 9 10 10 11 11 12 12 13 13 14 14 15 15 16 16 17 17 18 18 19 19 20 20

1,000.00 1,000.00 1,500.00 1,500.00 2,000.00 2,000.00 2,500.00 2,500.00 3,000.00 3,000.00 4,000.00 4,000.00 5,000.00 5,000.00 7,500.00 7,500.00 10,000.00 10,000.00 20,000.00 20,000.00 50,000.00 50,000.00 100,000.00 100,000.00 500,000.00 500,000.00

1,500.00 1,500.00 2,000.00 2,000.00 2,500.00 2,500.00 3,000.00 3,000.00 4,000.00 4,000.00 5,000.00 5,000.00 7,500.00 7,500.00 10,000.00 10,000.00 20,000.00 20,000.00 50,000.00 50,000.00 100,000.00 100,000.00 500,000.00 500,000.00 UP UP

rp rp

Rp Rp ∑(h) ∑(h)

(h) (h)

(i) (i)

INCURED INCUREDCLAIM CLAIM (In (Inmillion millionRp) Rp)

CLAIM CLAIMFREQUENCY FREQUENCY

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

ff

FF ∑(l) ∑(l)

PERCENTAGE PERCENTAGE BAND BAND CUM CUM (m)/∑(m) (m)/∑(m) ∑(n) ∑(n)

rp rp

Rp Rp

LOSS LOSSRATIO RATIO

PERCENTAGE PERCENTAGE ∑(p) ∑(p) BAND BAND CUM CUM (q)/∑(q) (q)/∑(q) ∑('r) ∑('r) (q) (r) (s) (q) (r) (s) 0.00 0.00 0.00 0.00 0.00 0.00

0.45 460.95

0.45 460.95

0.00 0.11

(k) (k) 0.00 0.11

(l) (l) 0.00 0.00

(m) (m) 0.00 0.00

(n) (n) 0.00 0.00

(o) (o) 0.00 0.00

(p) (p) 0.00 0.00

4.54 23.78

1.28 747.46

1.73 1,208.42

0.01 0.17

0.01 0.28

0.00 1.00

0.00 1.00

0.00 2.50

0.00 2.50

0.00 11.00

0.00 11.00

0.00 0.03

7.94 34.50

3.26 1,892.18

4.98 3,100.59

0.02 0.44

0.02 0.71

0.00 1.00

0.00 2.00

0.00 2.50

0.00 5.00

0.00 14.20

0.00 25.20

0.00 0.03

2.49 6.83

10.43 41.33

3.60 2,102.86

8.58 5,203.45

0.02 0.48

0.04 1.20

0.00 0.00

0.00 2.00

0.00 0.00

0.00 5.00

0.00 0.00

0.00 25.20

60.00 42,798.00

3.17 10.18

13.61 51.51

6.76 5,064.41

15.34 10,267.86

0.03 1.16

0.07 2.36

0.00 0.00

0.00 2.00

0.00 0.00

0.00 5.00

0.00 0.00

7.00 7,041.00

67.00 49,839.00

1.59 8.47

15.19 59.98

5.02 5,936.46

20.37 16,204.32

0.02 1.37

0.10 3.73

0.00 1.00

0.00 3.00

0.00 2.50

0.00 7.50

10.00 8,592.00

77.00 58,431.00

2.27 10.34

17.46 70.32

11.59 10,206.39

31.96 26,410.70

0.06 2.35

0.15 6.07

0.00 2.00

0.00 5.00

0.00 5.00

26.00 6,019.00 35.00 3,612.00 7.00 2,383.00 11.00 1,727.00 13.00 2,145.00 12.00 1,505.00 28.00 1,951.00 18.00 1,152.00 37.00 1,811.00 61.00 1,399.00 55.00 520.00 56.00 387.00 5.00 49.00

103.00 64,450.00 138.00 68,062.00 145.00 70,445.00 156.00 72,172.00 169.00 74,317.00 181.00 75,822.00 209.00 77,773.00 227.00 78,925.00 264.00 80,736.00 325.00 82,135.00 380.00 82,655.00 436.00 83,042.00 441.00 83,091.00

5.90 7.24 7.94 4.35 1.59 2.87 2.49 2.08 2.95 2.58 2.72 1.81 6.35 2.35 4.08 1.39 8.39 2.18 13.83 1.68 12.47 0.63 12.70 0.47 1.13 0.06

23.36 77.57 31.29 81.91 32.88 84.78 35.37 86.86 38.32 89.44 41.04 91.25 47.39 93.60 51.47 94.99 59.86 97.17 73.70 98.85 86.17 99.48 98.87 99.94 100.00 100.00

45.11 10,258.45 82.59 9,129.87 27.65 7,618.63 40.73 6,627.67 55.85 10,709.41 67.69 9,646.08 200.41 16,207.64 217.83 13,737.18 658.85 35,196.71 2,619.52 58,023.61 5,288.89 49,898.26 8,409.49 108,974.39 3,082.34 72,398.64

77.07 36,669.16 159.66 45,799.03 187.31 53,417.66 228.04 60,045.33 283.89 70,754.74 351.58 80,400.82 551.98 96,608.46 769.82 110,345.63 1,428.67 145,542.34 4,048.19 203,565.95 9,337.08 253,464.22 17,746.57 362,438.61 20,828.91 434,837.25

0.22 2.36 0.40 2.10 0.13 1.75 0.20 1.52 0.27 2.46 0.32 2.22 0.96 3.73 1.05 3.16 3.16 8.09 12.58 13.34 25.39 11.48 40.37 25.06 14.80 16.65

0.37 8.43 0.77 10.53 0.90 12.28 1.09 13.81 1.36 16.27 1.69 18.49 2.65 22.22 3.70 25.38 6.86 33.47 19.44 46.81 44.83 58.29 85.20 83.35 100.00 100.00

0.00 3.00 0.00 2.00 0.00 3.00 0.00 2.00 0.00 3.00 0.00 1.00 0.00 1.00 0.00 2.00 0.00 1.00 0.00 2.00 0.00 4.00 0.00 4.00 0.00 7.00

0.00 8.00 0.00 10.00 0.00 13.00 0.00 15.00 0.00 18.00 0.00 19.00 0.00 20.00 0.00 22.00 0.00 23.00 0.00 25.00 0.00 29.00 0.00 33.00 0.00 40.00

56

28/01/2015 28/01/2015

PERCENTAGE PERCENTAGE BAND CUM BAND CUM (p)/(h) q/i (p)/(h) q/i (t) (t) 0.00 0.00

(u) (u) 0.00 0.00

0.00 0.03

0.00 1.47

0.00 0.91

0.00 0.06

0.00 0.75

0.00 0.81

0.00 0.00

0.00 0.06

0.00 0.00

0.00 0.48

0.00 25.20

0.00 0.00

0.00 0.06

0.00 0.00

0.00 0.25

0.00 131.58

0.00 156.79

0.00 0.31

0.00 0.37

0.00 2.22

0.00 0.97

0.00 12.50

0.00 41.64

0.00 198.42

0.00 0.10

0.00 0.47

0.00 0.41

0.00 0.75

0.00 0.00 7.50 20.00 0.00 0.00 5.00 25.00 0.00 0.00 7.50 32.50 0.00 0.00 5.00 37.50 0.00 0.00 7.50 45.00 0.00 0.00 2.50 47.50 0.00 0.00 2.50 50.00 0.00 0.00 5.00 55.00 0.00 0.00 2.50 57.50 0.00 0.00 5.00 62.50 0.00 0.00 10.00 72.50 0.00 0.00 10.00 82.50 0.00 0.00 17.50 100.00

0.00 407.65 0.00 126.59 0.00 31.07 0.00 331.24 0.00 139.58 0.00 85.83 0.00 3.72 0.00 12.69 0.00 76.77 0.00 37.63 0.00 77.11 0.00 3,680.92 0.00 37,048.18

0.00 606.07 0.00 732.66 0.00 763.73 0.00 1,094.97 0.00 1,234.55 0.00 1,320.39 0.00 1,324.11 0.00 1,336.80 0.00 1,413.57 0.00 1,451.20 0.00 1,528.31 0.00 5,209.23 0.00 42,257.42

0.00 0.96 0.00 0.30 0.00 0.07 0.00 0.78 0.00 0.33 0.00 0.20 0.00 0.01 0.00 0.03 0.00 0.18 0.00 0.09 0.00 0.18 0.00 8.71 0.00 87.67

0.00 1.43 0.00 1.73 0.00 1.81 0.00 2.59 0.00 2.92 0.00 3.12 0.00 3.13 0.00 3.16 0.00 3.35 0.00 3.43 0.00 3.62 0.00 12.33 0.00 100.00

0.00 3.97 0.00 1.39 0.00 0.41 0.00 5.00 0.00 1.30 0.00 0.89 0.00 0.02 0.00 0.09 0.00 0.22 0.00 0.06 0.00 0.15 0.00 3.38 0.00 51.17

0.00 1.65 0.00 1.60 0.00 1.43 0.00 1.82 0.00 1.74 0.00 1.64 0.00 1.37 0.00 1.21 0.00 0.97 0.00 0.71 0.00 0.60 0.00 1.44 0.00 9.72



:2010

OCCUPATION

:INDUSTRIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f

F ∑(d)

(d)

(e)


rp

(f)

(g)

(h)

(i)


CLAIM FREQUENCY

PERCENTAGE

Rp ∑(h)

BAND (d)/∑(d)

BAND (i)/∑(i)

CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

597.00

597.00

4.31

4.31

19.07

19.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

387.00

984.00

2.79

7.10

43.68

62.75

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

486.00

1,470.00

3.50

10.60

113.24

175.99

0.01

0.01

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00 300.00

376.00

1,846.00

2.71

13.31

144.12

320.12

0.01

0.02

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00 500.00

795.00

2,641.00

5.73

19.05

479.60

799.71

0.04

0.06

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00 750.00

594.00

3,235.00

4.28

23.33

522.29

1,322.00

0.04

0.10

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00 1,000.00

685.00

3,920.00

4.94

28.27

894.44

2,216.44

0.07

0.17

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00 1,500.00

806.00

4,726.00

5.81

34.08

1,426.98

3,643.42

0.11

0.28

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00 2,000.00

679.00

5,405.00

4.90

38.98

1,746.15

5,389.57

0.13

0.42

1.00

1.00

100.00 100.00

760.22

760.22

100.00

100.00

43.54

14.11

10

2,000.00 2,500.00

475.00

5,880.00

3.43

42.40

1,499.99

6,889.56

0.12

0.53

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

11.03

11

2,500.00 3,000.00

454.00

6,334.00

3.27

45.68

1,801.93

8,691.49

0.14

0.67

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

8.75

12

3,000.00 4,000.00

584.00

6,918.00

4.21

49.89

2,890.59

11,582.07

0.22

0.89

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

6.56

13

4,000.00 5,000.00

520.00

7,438.00

3.75

53.64

3,347.18

14,929.25

0.26

1.15

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

5.09

14

5,000.00 7,500.00

853.00

8,291.00

6.15

59.79

7,233.09

22,162.34

0.56

1.71

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

3.43

15

7,500.00 10,000.00

698.00

8,989.00

5.03

64.82

8,488.83

30,651.17

0.65

2.36

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

2.48

16

10,000.00 20,000.00

1,304.00

10,293.00

9.40

74.23

25,487.48

56,138.65

1.96

4.33

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

1.35

17

20,000.00 50,000.00

1,428.00

11,721.00

10.30

84.52

62,286.97

118,425.62

4.80

9.12

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

0.64

18

50,000.00 100,000.00

813.00

12,534.00

5.86

90.39

73,784.61

192,210.23

5.69

14.81

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

0.40

19

100,000.00 500,000.00

1,007.00

13,541.00

7.26

97.65

258,229.74

450,439.98

19.90

34.71

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

0.17

20

500,000.00 UP

326.00

13,867.00

2.35

100.00

847,394.03

1,297,834.00

65.29

100.00

0.00

1.00

0.00 100.00

0.00

760.22

0.00

100.00

0.00

0.06

57



:2010

OCCUPATION

:RESIDENTIAL

PROCESSING DATE


(a)

FROM

TO

(b)

(c)


NUMBER OF RISK

f (d)

F ∑(d) (e)


CUM ∑(f)

rp

Rp ∑(h)

(f)

(g)

(h)

(i)


CLAIM FREQUENCY


CUM ∑(j)

f

F ∑(l)

(j)

(k)

(l)

(m)

28/01/2015

PERCENTAGE

LOSS RATIO

PERCENTAGE

BAND (m)/∑(m)

CUM ∑(n)

rp

(n)

(o)

(p)

Rp

∑(p) (q)

PERCENTAGE

BAND (q)/∑(q)

CUM ∑('r)

BAND (p)/(h)

CUM q/i

(r)

(s)

(t)

(u)

1

0.00 50.00

5,890.00

5,890.00

8.77

8.77

239.36

239.36

0.07

0.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00 100.00

7,682.00

13,572.00

11.44

20.20

890.26

1,129.62

0.25

0.31

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00 200.00

10,617.00

24,189.00

15.80

36.01

2,261.87

3,391.49

0.62

0.93

1.00

1.00

12.50

12.50

13.72

13.72

3.84

3.84

0.61

0.40

4

200.00 300.00

6,837.00

31,026.00

10.18

46.18

2,404.93

5,796.42

0.66

1.60

0.00

1.00

0.00

12.50

0.00

13.72

0.00

3.84

0.00

0.24

5

300.00 500.00

8,885.00

39,911.00

13.23

59.41

4,934.23

10,730.65

1.36

2.95

3.00

4.00

37.50

50.00

62.26

75.98

17.45

21.30

1.26

0.71

6

500.00 750.00

8,298.00

48,209.00

12.35

71.76

7,415.50

18,146.15

2.04

5.00

1.00

5.00

12.50

62.50

73.13

149.11

20.50

41.79

0.99

0.82

7

750.00 1,000.00

5,161.00

53,370.00

7.68

79.44

6,169.68

24,315.83

1.70

6.70

1.00

6.00

12.50

75.00

35.01

184.12

9.81

51.60

0.57

0.76

8

1,000.00 1,500.00

3,931.00

57,301.00

5.85

85.30

6,722.94

31,038.77

1.85

8.55

0.00

6.00

0.00

75.00

0.00

184.12

0.00

51.60

0.00

0.59

9

1,500.00 2,000.00

2,238.00

59,539.00

3.33

88.63

5,377.39

36,416.16

1.48

10.03

0.00

6.00

0.00

75.00

0.00

184.12

0.00

51.60

0.00

0.51

10

2,000.00 2,500.00

1,349.00

60,888.00

2.01

90.64

4,126.76

40,542.92

1.14

11.16

1.00

7.00

12.50

87.50

41.94

226.06

11.76

63.36

1.02

0.56

11

2,500.00 3,000.00

1,067.00

61,955.00

1.59

92.22

3,943.12

44,486.04

1.09

12.25

0.00

7.00

0.00

87.50

0.00

226.06

0.00

63.36

0.00

0.51

12

3,000.00 4,000.00

1,246.00

63,201.00

1.85

94.08

5,979.65

50,465.69

1.65

13.89

0.00

7.00

0.00

87.50

0.00

226.06

0.00

63.36

0.00

0.45

13

4,000.00 5,000.00

763.00

63,964.00

1.14

95.21

4,792.97

55,258.66

1.32

15.21

1.00

8.00

12.50 100.00

130.73

356.79

36.64

100.00

2.73

0.65

14

5,000.00 7,500.00

941.00

64,905.00

1.40

96.62

8,299.46

63,558.12

2.29

17.50

0.00

8.00

0.00 100.00

0.00

356.79

0.00

100.00

0.00

0.56

15

7,500.00 10,000.00

567.00

65,472.00

0.84

97.46

7,476.84

71,034.96

2.06

19.56

0.00

8.00

0.00 100.00

0.00

356.79

0.00

100.00

0.00

0.50

16

10,000.00 20,000.00

746.00

66,218.00

1.11

98.57

16,437.93

87,472.89

4.53

24.08

0.00

8.00

0.00 100.00

0.00

356.79

0.00

100.00

0.00

0.41

17

20,000.00 50,000.00

462.00

66,680.00

0.69

99.26

20,253.98

107,726.87

5.58

29.66

0.00

8.00

0.00 100.00

0.00

356.79

0.00

100.00

0.00

0.33

18

50,000.00 100,000.00

197.00

66,877.00

0.29

99.55

20,830.21

128,557.08

5.74

35.40

0.00

8.00

0.00 100.00

0.00

356.79

0.00

100.00

0.00

0.28

19

100,000.00 500,000.00

249.00

67,126.00

0.37

99.92

74,369.35

202,926.43

20.48

55.87

0.00

8.00

0.00 100.00

0.00

356.79

0.00

100.00

0.00

0.18

20

500,000.00 UP

53.00

67,179.00

0.08

100.00

160,267.17

363,193.59

44.13

100.00

0.00

8.00

0.00 100.00

0.00

356.79

0.00

100.00

0.00

0.10

58


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 31/12/2014 UNDERWRITING YEAR : POLICY STATUS :

2010 A;C;E;N;R

CRESTA ZONE

PROCESSING DATE : 27/01/2015

In IDR

NATIONAL AGGREGAT EXPOSURE Amount

%

NATIONAL GROSS PREMIUM Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

BANDA ACEH

1.1

3,495,880,799,242.15

0.21

6,051,202,306.20

0.29

634

0.39

215,965,351.00

0.50

3

6.12

MEDAN

1.2

39,898,396,544,953.00

2.39

47,673,497,420.22

2.25

5,664

3.44

17,388,400.00

0.04

1

2.04

OTHERS

1.3

66,106,683,411,639.70

3.95

84,285,242,255.56

3.98

5,148

3.13

386,240,859.55

0.89

2

4.08


1 2.1

109,500,960,755,835.00 18,588,234,582,958.80

6.55 1.11

138,009,941,981.98 32,778,827,007.39

6.52 1.55

11,446 8,363

6.95 5.08

619,594,610.55 0.00

1.43 0.00

6 0

12.24 0.00

PALEMBANG

2.2

20,439,045,202,732.10

1.22

0.98

0.00

0.00

0

0.00

2.3

97,872,725,908,582.00

5.86

19,383,104,938.80 0.92 PT. Reasuransi MAIPARK Indonesia 108,788,602,446.87 5.14

1,613

OTHERS

17,028

10.35

0.00

0.00

0

0.00

0 1

0.00 2.04

0

0.00

SOUTH SUMATERA 136,900,005,694,273.00 8.19 160,950,534,393.06 7.60 27,004 16.41 0.00 0.00 2 JAKARTA 304,824,691,069,791.00 433,910,542,004.54 20.50 OF RISKS, CLAIM 35,156& CLAIM 21.36 FREQUENCY 2,508,000.00 0.01 3.1 NATIONAL AGGREGAT EXPOSURE,18.24 NATIONAL GROSS PREMIUM, NUMBER BY OCCUPATION As At 31/12/2014 BANDUNG 5,935,570,412,798.67 0.36 8,241,042,107.75 0.39 1,684 1.02 0.00 0.00 3.2 OTHERS UNDERWRITING YEAR

3.3

WEST JAVA POLICY STATUS

3 4.1

SEMARANG YOGYAKARTA OCCUPATION OTHERS

4.2

CENTRAL JAVA AGRICULTURAL SURABAYA

4 5.1

COMMERCIAL OTHERS

5.2

INDUSTRIAL


RESIDENTIAL

T OT AL

601,855,470,316,386.00 : 2010 912,615,731,798,976.00 : A;C;E;N;R 10,367,214,200,409.60

A

Amount 78,767,012,575,002.40 17,593,981,439,651.60 95,847,522,591,421.60

34,731

21.10

37,327,390.00

54.60 0.62

1,220,795,982,465.21 11,636,480,141.95

57.67 0.55

71,571 379

43.49 0.23

39,835,390.00 0.00

0.54

13,009,093,100.49 NATIONAL GROSS PREMIUM 71,914,369,548.34

0.61 2,468 NUMBER OF RISKS 3.40 10,540

1.50

3.55

30,362,493,600.00 CLAIM 4,034,914,560.59

% 4.71

Amount % 96,559,942,790.78

1.05

5.73

111,164,194,690.210.98

150,491,747,050,333.00

314,262,201,730,157.00

18.80

434,837,251,208.41

20.54

1,067,155,494,792,590.00

63.84

1,297,834,004,593.05

61.31

16.30

363,193,593,721.56

100.00

2,116,693,759,345.53

R

246,339,269,641,754.00 272,520,032,314,954.00 78,288,008,445,091.90 1,671,531,710,277,350.00

8,852,259,330,092.91

OTHERS

7.2

50,758,451,376,965.10

7 8

59,610,710,707,058.00 49,510,010,659,362.60 1,671,531,710,277,350.00

9.00

14.74 4.68 0.53

4.56 Amount 5.25

20,828,909,822.51

I

7.1

TOTAL

36.79

C

UJUNG PANDANG SULAWESI OTHERS

778,644,398,352.92

9,031,049,769,491.59 NATIONAL AGGREGATE EXPOSURE 59,368,748,605,101.20

4.3

5 6

36.01

175,300,322,745.79

8.28

286,464,517,436.00 17.16 68,410,654,079.24

13.53 3.23

100.00

8,854,097,129.22

0.42

3.04

67,259,874,119.90

3.57 2.96

76,113,971,249.12 69,388,214,950.18

100.00

2,116,693,759,345.57

100.00

59

441.00 83,091.00 13,867.00 67,179.00

164,578.00

6.40

% 13,387 8.13 0.27 6,032 3.67 50.49

7,829

4.76

8.43

13,861 8.42 40.82 7,002 4.25 100.00

0.09 2.04 PROCESSING DATE1: 27/01/2015 0.09 2 4.08 In IDR 0.00 0 0.00 70.00 9.30

Amount % 79.30 34,397,408,160.59 0.00 0.00 0.00 0.00

2 4.08 CLAIM FREQUENCY 5 10.20 Amount

7 0

0.00

42,257,418,914.28

97.42

40.00

760,224,542.70

1.75

1.00

356,785,430.40

0.82

8.00

43,374,428,887.38

100.00

49.00

46,008,723.00 46,008,723.00 0.00

1,737

1.06

760,224,542.70

3.18

6,403

3.89

90,491,945.00

3.60 3.28

8,140 12,167

4.95 7.39

850,716,487.70 7,420,865,515.54

164,578 100.00

43,374,428,887.38

0.11 0.11 0.00 1.75

2 2 0

% 14.29 0.000.00 81.63

4.08

2.04

4.08 16.33 0.00 100.00

1

2.04

0.21

2

4.08

1.96 17.11

3 29

6.12 59.18

100.00

49

100.00



2011 A;C;E;N;R

PROCESSING DATE :

In IDR

NATIONAL AGGREGAT EXPOSURE

CRESTA ZONE

27/01/2015

Amount

NATIONAL GROSS PREMIUM %

NUMBER OF RISKS

Amount

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

BANDA ACEH

1.1

4,608,961,565,236.65

0.21

7,255,283,677.40

0.26

517

0.31

7,583,593,500.00

62.35

4

4.65

MEDAN

1.2

46,286,082,698,019.40

2.15

54,391,678,378.55

1.93

5,776

3.48

96,659,672.63

0.79

8

9.30

OTHERS

1.3

98,737,449,809,919.40

4.59

132,337,261,203.50

4.70

4,491

2.71

170,435,941.60

1.40

2

2.33


1 2.1

149,632,494,073,175.00 15,954,303,293,262.30

6.96 0.74

193,984,223,259.45 29,722,664,380.28

6.89 1.06

10,784 9,866

6.50 5.95

7,850,689,114.23 29,390,800.00

64.54 0.24

14 5

16.28 5.81

PALEMBANG

2.2

15,166,152,211,490.50

0.71

14,170,019,921.46

0.50

1,442

0.87

0.00

0.00

0

0.00

OTHERS

2.3

122,456,097,403,710.00

5.70

136,325,771,692.64

4.84

16,559

9.98

1,260,841,000.00

10.37

8

9.30


2 3.1

153,576,552,908,463.00 464,405,939,083,112.00

7.15 21.61

180,218,455,994.38 669,669,520,934.73

6.40 23.80

27,867 38,644

16.80 23.29

1,290,231,800.00 0.00

10.61 0.00

13 0

15.12 0.00

BANDUNG

3.2

6,780,310,055,825.06

0.32

9,916,805,917.11

0.35

1,146

0.69

67,353,075.00

0.55

1

1.16

OTHERS

3.3

605,131,852,895,557.00

28.15

833,535,780,053.36

29.62

34,083

20.54

7,100,000.00

0.06

1

1.16

WEST JAVA SEMARANG

3 4.1

1,076,318,102,034,490.00 6,547,169,388,280.43

50.07 0.30

1,513,122,106,905.20 7,986,696,304.55

53.77 0.28

73,873 669

44.52 0.40

74,453,075.00 0.00

0.61 0.00

2 0

2.33 0.00

YOGYAKARTA

4.2

10,227,924,407,900.00

0.48

15,336,936,026.90

0.54

2,155

1.30

0.00

0.00

0

0.00

OTHERS

4.3

116,804,919,938,213.00

5.43

146,322,144,818.04

5.20

9,711

5.85

0.00

0.00

0

0.00


4 5.1

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

6.21 4.05

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

6.03 3.93

12,535 6,063

7.55 3.65

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

300,945,414,856,445.00

14.00

360,993,980,958.49

12.83

7,287

4.39

0.00

0.00

0

0.00

5 6

388,082,764,339,995.00 122,839,704,752,261.00

18.06 5.72

471,494,287,286.18 103,391,973,974.23

16.75 3.67

13,350 5,726

8.05 3.45

0.00 0.00

0.00 0.00

0 0

0.00 0.00

UJUNG PANDANG

7.1

10,441,385,729,218.00

0.49

9,478,927,946.13

0.34

1,851

1.12

0.00

0.00

0

0.00

OTHERS

7.2

59,647,999,896,905.30

2.78

93,696,626,356.62

3.33

7,029

4.24

6,662,800.00

0.05

1

1.16

7 8

70,089,385,626,123.30 55,306,297,043,097.90

3.26 2.57

103,175,554,302.75 79,159,595,116.55

3.67 2.81

8,880 12,908

5.35 7.78

6,662,800.00 2,941,410,672.90

0.05 24.18

1 56

1.16 65.12

2,149,425,314,512,000.00

100.00

2,814,191,973,988.23

100.00

165,923 100.00

12,163,447,462.13

100.00

86

100.00


SULAWESI OTHERS TOTAL

60



2012 A;C;E;N;R

PROCESSING DATE :

In IDR


CRESTA ZONE

27/01/2015

Amount


Amount

%

NUMBER OF RISKS Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

BANDA ACEH

1.1

3,839,464,940,729.90

0.20

7,248,598,498.52

0.27

587

0.34

1,430,714,900.00

70.84

6

37.50

MEDAN

1.2

39,486,266,999,271.10

2.05

49,057,405,453.27

1.86

6,000

3.47

14,936,201.00

0.74

2

12.50

OTHERS

1.3

40,063,044,376,090.00

2.08

52,565,709,149.06

1.99

4,654

2.69

0.00

0.00

0

0.00


1 2.1

83,388,776,316,091.00 18,413,272,574,764.00

4.32 0.95

108,871,713,100.85 34,706,692,449.72

4.12 1.31

11,241 10,573

6.50 6.11

1,445,651,101.00 0.00

71.58 0.00

8 0

50.00 0.00

PALEMBANG

2.2

18,870,617,822,765.90

0.98

17,638,821,394.64

0.67

1,532

0.89

0.00

0.00

0

0.00

OTHERS

2.3

134,030,678,302,339.00

6.95

155,394,230,649.01

5.88

17,370

10.04

50,000,000.00

2.48

1

6.25


2 3.1

171,314,568,699,869.00 398,765,147,964,504.00

8.88 20.67

207,739,744,493.37 597,612,860,435.61

7.86 22.62

29,475 36,232

17.04 20.95

50,000,000.00 0.00

2.48 0.00

1 0

6.25 0.00

BANDUNG

3.2

10,941,947,640,185.80

0.57

16,343,625,486.30

0.62

1,986

1.15

0.00

0.00

0

0.00

OTHERS

3.3

654,590,279,350,805.00

33.93

951,567,888,791.94

36.02

36,673

21.20

17,438,200.00

0.86

1

6.25

WEST JAVA SEMARANG

3 4.1

1,064,297,374,955,490.00 7,042,365,865,947.66

55.17 0.37

1,565,524,374,713.85 8,736,950,809.93

59.27 0.33

74,891 803

43.30 0.46

17,438,200.00 0.00

0.86 0.00

1 0

6.25 0.00

YOGYAKARTA

4.2

9,214,124,746,684.97

0.48

14,028,296,428.53

0.53

2,307

1.33

0.00

0.00

0

0.00

OTHERS

4.3

102,402,508,562,055.00

5.31

128,178,167,116.80

4.85

10,320

5.97

0.00

0.00

0

0.00


4 5.1

118,658,999,174,688.00 50,392,948,947,809.00

6.15 2.61

150,943,414,355.26 64,169,506,826.79

5.71 2.43

13,430 6,180

7.76 3.57

0.00 0.00

0.00 0.00

0 0

0.00 0.00

OTHERS

5.2

209,924,031,786,651.00

10.88

259,493,110,349.52

9.82

7,798

4.51

0.00

0.00

0

0.00

5 6

260,316,980,734,460.00 101,257,693,194,739.00

13.49 5.25

323,662,617,176.31 93,636,972,236.17

12.25 3.54

13,978 7,633

8.08 4.41

0.00 0.00

0.00 0.00

0 0

0.00 0.00

UJUNG PANDANG

7.1

10,377,976,525,033.30

0.54

9,912,216,528.27

0.38

1,914

1.11

0.00

0.00

0

0.00

OTHERS

7.2

54,499,207,781,359.00

2.83

83,503,962,438.90

3.16

6,197

3.58

377,159,738.51

18.67

3

18.75

7 8

64,877,184,306,392.20 65,031,138,032,496.20

3.36 3.37

93,416,178,967.17 97,771,246,699.52

3.54 3.70

8,111 14,208

4.69 8.21

377,159,738.51 129,510,279.54

18.67 6.41

3 3

18.75 18.75

1,929,142,715,414,230.00

100.00

2,641,566,261,742.50

100.00

172,967 100.00

2,019,759,319.05

100.00

16

100.00



61



2013 A;C;E;N;R

PROCESSING DATE :

In IDR


CRESTA ZONE

27/01/2015

Amount


Amount

%

NUMBER OF RISKS Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

BANDA ACEH

1.1

4,665,592,442,569.94

0.18

8,881,676,185.72

0.21

602

0.32

21,000,000.00

0.01

1

1.69

MEDAN

1.2

47,983,258,003,831.60

1.84

65,019,613,559.29

1.53

6,564

3.50

0.00

0.00

0

0.00

OTHERS

1.3

49,326,588,501,819.30

1.89

75,489,213,655.47

1.78

3,898

2.08

0.00

0.00

0

0.00


1 2.1

101,975,438,948,221.00 26,972,111,977,209.80

3.92 1.04

149,390,503,400.48 51,978,390,247.26

3.51 1.22

11,064 10,631

5.90 5.67

21,000,000.00 0.00

0.01 0.00

1 0

1.69 0.00

PALEMBANG

2.2

22,982,972,756,231.20

0.88

24,274,700,236.15

0.57

1,861

0.99

0.00

0.00

0

0.00

OTHERS

2.3

148,971,445,809,269.00

5.72

192,101,128,558.49

4.52

17,784

9.48

3,997,822.00

0.00

1

1.69


2 3.1

198,926,530,542,709.00 432,489,535,629,069.00

7.64 16.61

268,354,219,041.90 697,994,679,891.89

6.31 16.42

30,276 47,445

16.13 25.28

3,997,822.00 0.00

0.00 0.00

1 0

1.69 0.00

BANDUNG

3.2

10,391,119,387,280.80

0.40

16,183,329,875.96

0.38

2,122

1.13

22,511,000.00

0.01

1

1.69

OTHERS

3.3

974,990,904,256,672.00

37.44

1,665,264,469,164.24

39.17

38,531

20.53

0.00

0.00

0

0.00

WEST JAVA SEMARANG

3 4.1

1,417,871,559,273,020.00 6,660,481,653,498.73

54.45 0.26

2,379,442,478,932.09 8,985,037,244.21

55.97 0.21

88,098 914

46.95 0.49

22,511,000.00 0.00

0.01 0.00

1 0

1.69 0.00

YOGYAKARTA

4.2

8,519,214,571,701.41

0.33

13,248,795,189.04

0.31

2,173

1.16

1,821,193,260.00

0.57

5

8.47

OTHERS

4.3

135,253,007,746,390.00

5.19

183,914,181,226.18

4.33

10,446

5.57

37,644,278,659.20

11.78

8

13.56


4 5.1

150,432,703,971,590.00 38,274,677,177,554.40

5.78 1.47

206,148,013,659.43 49,726,873,433.19

4.85 1.17

13,533 6,220

7.21 3.31

39,465,471,919.20 0.00

12.35 0.00

13 0

22.03 0.00

OTHERS

5.2

200,276,137,710,621.00

7.69

281,674,754,797.53

6.63

8,345

4.45

280,009,247,560.80

87.61

39

66.10

5 6

238,550,814,888,175.00 126,158,412,345,002.00

9.16 4.84

331,401,628,230.72 130,971,396,065.57

7.79 3.08

14,565 7,043

7.76 3.75

280,009,247,560.80 0.00

87.61 0.00

39 0

66.10 0.00

UJUNG PANDANG

7.1

14,057,441,851,189.90

0.54

14,162,655,403.25

0.33

2,052

1.09

0.00

0.00

0

0.00

OTHERS

7.2

38,542,467,976,568.40

1.48

62,104,736,428.82

1.46

6,235

3.32

50,000,000.00

0.02

1

1.69

7 8

52,599,909,827,758.30 317,569,251,609,867.00

2.02 12.20

76,267,391,832.07 709,632,690,071.88

1.79 16.69

8,287 14,791

4.42 7.88

50,000,000.00 36,205,069.88

0.02 0.01

1 3

1.69 5.08

2,604,084,621,406,350.00

100.00

4,251,608,321,234.14

100.00

187,657 100.00

319,608,433,371.88

100.00

59

100.00



62



2014 A;C;E;N;R

PROCESSING DATE :

27/01/2015


In IDR

NATIONAL AGGREGAT CRESTA ZONE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY EXPOSURE NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION Amount

%

Amount

0.05

1,438,293,045.29

0.06

387

0.28

0.00

0.00 0.00 PROCESSING DATE : 027/01/2015

1.2

747,126,659,473.20 : 2011 35,150,189,501,349.40 : A;C;E;N;R

2.30

48,370,129,983.37

2.05

5,440

3.94

0.00

0.00

0

1.3

21,216,057,689,177.60

1.39

31,010,826,992.26

1.31

3,001

2.18

0.00

0.00

0

80,819,250,020.92 3.42 NATIONAL GROSS PREMIUM 20,179,737,639.28 0.85

8,828 NUMBER OF RISKS 9,867

6.40 7.15

0.00 0.00

0.00 0 0.00 CLAIM FREQUENCY 0.00 0 0.00

BANDA ACEH YEAR UNDERWRITING

1.1

MEDAN POLICY STATUS OTHERS

NORTH SUMATERA 1 PADANGOCCUPATION 2.1 PALEMBANG 2.2

57,113,373,850,000.20 3.74 NATIONAL AGGREGATE EXPOSURE 10,837,508,457,114.10 0.71 8,454,938,402,942.32 Amount

0.55 %

% As At 31/12/2014

8,694,455,195.04 % Amount

0.37

Amount

%

1,202

%0.87

AGRICULTURAL OTHERS

2.3

20,170,306,793,199.60 A107,230,996,531,835.00

0.94 7.03

23,897,315,368.61 138,923,243,154.50

0.85 5.88

379.00 13,179

0.23 9.56

COMMERCIAL SOUTH SUMATERA INDUSTRIAL JAKARTA

2 3.1

538,353,550,582,770.00 C126,523,443,391,891.00

750,839,421,933.93 167,797,435,988.82 1,697,040,240,241.14 594,305,245,952.15

26.687.10

91,412.00 24,248

1,358,413,291,954,130.00 I 354,181,355,824,607.00

25.05 8.29 63.20 23.21

60.30 25.15

14,995.00 34,295

55.09 17.58 9.04 24.87

3.2

R

232,488,165,181,908.00 6,445,772,680,759.95

10.82 0.42

342,414,996,444.56 9,965,568,152.70

12.170.42

59,137.00 1,183

35.64 0.86

2,814,191,973,988.24 785,491,284,627.91 100.00 33.24

RESIDENTIAL BANDUNG T OT AL

3.3

2,149,425,314,512,000.00 470,943,502,962,116.00

100.00 30.86

WEST JAVA SEMARANG

3 4.1

831,570,631,467,483.00 4,010,949,930,719.39

54.49 0.26

YOGYAKARTA

4.2

5,744,520,750,406.83

OTHERS

4.3

71,858,499,143,422.50


4 5.1

81,613,969,824,548.70 43,313,882,279,238.50

OTHERS

5.2 5 6

UJUNG PANDANG OTHERS

OTHERS



Amount

Amount

CLAIM Amount

%

0.00 % 0.000.00

Amount

0.00 Amount

%

0

In 0.00 IDR 0.00

% 0.00

0.00 0.00

0.00 0

0.00 0.00

11,884,257,307.090.00 97.70 0.00

61.00 0

70.93 0.00

0.000.00

0.00 0.00

0.00 0

0.00 0.00

279,190,155.040.00

2.30 0.00

25.00 0

29.07 0.00

12,163,447,462.130.00 100.00 0.00

165,923.00 28,822

100.00 20.90

86.00 0

100.00 0.00

1,389,762,098,732.76 5,576,763,141.15

58.81 0.24

64,300 497

46.63 0.36

0.00 0.00

0.00 0.00

0 0

0.00 0.00

0.38

8,798,792,676.68

0.37

1,903

1.38

0.00

0.00

0

0.00

4.71

101,480,793,752.13

4.29

8,503

6.17

0.00

0.00

0

0.00

5.35 2.84

115,856,349,569.96 61,121,940,313.23

4.90 2.59

10,903 4,142

7.91 3.00

0.00 0.00

0.00 0.00

0 0

0.00 0.00

140,116,529,368,526.00

9.18

201,418,198,237.61

8.52

5,492

3.98

180,000,000.00

91.96

5

83.33

183,430,411,647,765.00 70,890,454,994,371.70

12.02 4.64

262,540,138,550.84 72,437,567,577.71

11.11 3.07

9,634 3,676

6.99 2.67

180,000,000.00 0.00

91.96 0.00

5 0

83.33 0.00

7.1

12,172,475,875,604.60

0.80

13,077,821,940.94

0.55

1,258

0.91

0.00

0.00

0

0.00

7.2

99,273,334,186,173.60

6.50

155,512,678,164.18

6.58

3,840

2.78

0.00

0.00

0

0.00

7 8

111,445,810,061,778.00 63,583,339,920,495.10

7.30 4.17

168,590,500,105.12 105,507,982,664.52

7.13 4.46

5,098 11,219

3.70 8.14

0.00 15,745,036.00

0.00 8.04

0 1

0.00 16.67

1,526,171,435,158,330.00

100.00

2,363,311,323,210.65

100.00

137,906 100.00

195,745,036.00

100.00

6

100.00

63


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 31/12/2014 UNDERWRITING YEAR POLICY STATUS

: 2010 : A;C;E;N;R


In IDR

NATIONAL AGGREGATE EXPOSURE

OCCUPATION

Amount

NATIONAL GROSS PREMIUM

%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

17,593,981,439,651.60

1.05

20,828,909,822.51

0.98

441.00

0.27

0.00

0.00

0.00

0.00

COMMERCIAL

C

314,262,201,730,157.00

18.80

434,837,251,208.41

20.54

83,091.00

50.49

42,257,418,914.28

97.42

40.00

81.63

INDUSTRIAL

I

1,067,155,494,792,590.00

63.84

1,297,834,004,593.05

61.31

13,867.00

8.43

760,224,542.70

1.75

1.00

2.04

RESIDENTIAL

R

272,520,032,314,954.00

16.30

363,193,593,721.56

17.16

67,179.00

40.82

356,785,430.40

0.82

8.00

16.33

1,671,531,710,277,350.00

100.00

2,116,693,759,345.53

100.00

164,578.00

100.00

43,374,428,887.38

100.00

49.00

100.00

T OT AL

64



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


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

20,170,306,793,199.60

0.94

23,897,315,368.61

0.85

379.00

0.23

0.00

0.00

0.00

0.00

COMMERCIAL

C

538,353,550,582,770.00

25.05

750,839,421,933.93

26.68

91,412.00

55.09

11,884,257,307.09

97.70

61.00

70.93

INDUSTRIAL

I

1,358,413,291,954,130.00

63.20

1,697,040,240,241.14

60.30

14,995.00

9.04

0.00

0.00

0.00

0.00

RESIDENTIAL

R

232,488,165,181,908.00

10.82

342,414,996,444.56

12.17

59,137.00

35.64

279,190,155.04

2.30

25.00

29.07

2,149,425,314,512,000.00

100.00

2,814,191,973,988.24

100.00

165,923.00

100.00

12,163,447,462.13

100.00

86.00

100.00

T OT AL

65



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


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

23,543,592,772,030.10

1.22

29,419,229,652.86

1.11

420.00

0.24

0.00

0.00

0.00

0.00

COMMERCIAL

C

450,450,164,139,134.00

23.35

642,472,639,574.03

24.32

94,353.00

54.55

1,969,759,319.05

97.52

15.00

93.75

INDUSTRIAL

I

1,225,796,552,609,060.00

63.54

1,624,899,675,237.71

61.51

17,098.00

9.89

0.00

0.00

0.00

0.00

RESIDENTIAL

R

229,352,405,894,004.00

11.89

344,774,717,277.90

13.05

61,096.00

35.32

50,000,000.00

2.48

1.00

6.25

1,929,142,715,414,230.00

100.00

2,641,566,261,742.50

100.00

172,967.00

100.00

2,019,759,319.05

100.00

16.00

100.00

T OT AL

66



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


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

25,850,470,360,216.00

0.99

34,876,464,798.31

0.82

481.00

0.26

0.00

0.00

0.00

0.00

COMMERCIAL

C

945,861,138,961,698.00

36.32

1,716,969,212,831.83

40.38

99,888.00

53.23

317,694,548,449.88

99.40

48.00

81.36

INDUSTRIAL

I

1,315,566,653,822,120.00

50.52

2,026,598,041,863.06

47.67

18,149.00

9.67

1,821,282,200.00

0.57

5.00

8.47

RESIDENTIAL

R

316,806,358,262,308.00

12.17

473,164,601,740.95

11.13

69,139.00

36.84

92,602,722.00

0.03

6.00

10.17

2,604,084,621,406,350.00

100.00

4,251,608,321,234.15

100.00

187,657.00

100.00

319,608,433,371.88

100.00

59.00

100.00

T OT AL

67



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


In IDR


OCCUPATION

Amount


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

CLAIM FREQUENCY

Amount

%

Amount

%

AGRICULTURAL

A

14,812,265,396,714.00

0.97

18,675,258,226.35

0.79

224.00

0.16

0.00

0.00

0.00

0.00

COMMERCIAL

C

403,332,897,241,984.00

26.43

619,524,056,147.17

26.21

61,308.00

44.46

75,745,036.00

38.70

2.00

33.33

INDUSTRIAL

I

856,931,736,706,998.00

56.15

1,321,090,215,202.30

55.90

10,516.00

7.63

0.00

0.00

0.00

0.00

RESIDENTIAL

R

251,094,535,812,637.00

16.45

404,021,793,634.83

17.10

65,858.00

47.76

120,000,000.00

61.30

4.00

66.67

1,526,171,435,158,330.00

100.00

2,363,311,323,210.65

100.00

137,906.00

100.00

195,745,036.00

100.00

6.00

100.00

T OT AL

68


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 31/12/2014

UNDERWRITING YEAR POLICY STATUS

PROVINCE

: 2010 : A;C;E;N;R

PROCESSING DATE :

In IDR


27/01/2015


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

46,014,656,466,409.00

2.75

61,933,427,650.03

2.93

2,207.00

1.34

586,154,941.00

586,154,941.00

5.00

5.00

02. SUMATERA UTARA

63,486,304,289,425.90

3.80

76,076,514,331.93

3.59

9,239.00

5.61

623,818,849.55

623,818,849.55

4.00

4.00

03. SUMATERA BARAT

22,408,712,992,181.50

1.34

39,338,010,826.10

1.86

12,139.00

7.38

0.00

0.00

0.00

0.00

04. RIAU

32,775,423,381,286.80

1.96

33,033,443,273.00

1.56

3,066.00

1.86

0.00

0.00

0.00

0.00

5,229,365,051,921.28

0.31

5,242,221,847.08

0.25

1,252.00

0.76

0.00

0.00

0.00

0.00

37,898,109,822,304.80

2.27

39,281,214,918.39

1.86

2,298.00

1.40

0.00

0.00

0.00

0.00

3,089,196,866,017.82

0.18

5,473,349,023.87

0.26

3,105.00

1.89

0.00

0.00

0.00

0.00

16,664,884,556,586.80

1.00

22,692,710,088.11

1.07

3,295.00

2.00

0.00

0.00

0.00

0.00

3,336,058,201,436.26

0.20

2,953,443,103.05

0.14

342.00

0.21

0.00

0.00

0.00

0.00

15,498,254,822,537.40

0.93

12,936,141,313.44

0.61

1,507.00

0.92

0.00

0.00

0.00

0.00

11. JAKARTA

304,824,691,069,791.00

18.24

433,910,542,004.54

20.50

35,156.00

21.36

2,508,000.00

2,508,000.00

1.00

1.00

12. JAWA BARAT

395,856,887,033,770.00

23.68

504,454,579,276.75

23.83

25,916.00

15.75

37,327,390.00

37,327,390.00

1.00

1.00

13. JAWA TENGAH

68,286,066,186,836.40

4.09

81,521,601,724.06

3.85

10,120.00

6.15

4,034,914,560.59

4,034,914,560.59

5.00

5.00

14. DIY

10,480,946,388,166.00

0.63

15,038,341,066.72

0.71

3,267.00

1.99

30,362,493,600.00

30,362,493,600.00

2.00

2.00

15. JAWA TIMUR

246,339,269,641,754.00

14.74

286,464,517,436.00

13.53

13,861.00

8.42

46,008,723.00

46,008,723.00

2.00

2.00

16. BANTEN

211,934,153,695,415.00

12.68

282,430,861,183.92

13.34

10,499.00

6.38

0.00

0.00

0.00

0.00

39,388,712,490,115.70

2.36

54,063,520,550.42

2.55

7,205.00

4.38

612,956,560.54

612,956,560.54

21.00

21.00

2,915,151,771,130.72

0.17

4,440,906,653.30

0.21

1,171.00

0.71

0.00

0.00

0.00

0.00

862,786,991,135.17

0.05

1,281,077,691.84

0.06

821.00

0.50

0.00

0.00

0.00

0.00

4,184,375,704,375.67

0.25

3,715,242,385.16

0.18

1,800.00

1.09

0.00

0.00

0.00

0.00


11,726,628,849,876.80

0.70

9,889,548,328.95

0.47

525.00

0.32

0.00

0.00

0.00

0.00


14,511,411,705,943.40

0.87

12,861,818,728.25

0.61

1,210.00

0.74

0.00

0.00

0.00

0.00


47,865,592,184,896.00

2.86

41,944,044,636.88

1.98

3,467.00

2.11

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

8,844,145,995,986.23

0.53

14,764,191,364.03

0.70

2,294.00

1.39

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

1,344,987,489,172.88

0.08

2,004,618,104.55

0.09

1,496.00

0.91

13,717,280.00

13,717,280.00

1.00

1.00


16,571,176,175,342.90

0.99

17,199,396,856.17

0.81

2,828.00

1.72

836,999,207.70

836,999,207.70

2.00

2.00


18,974,413,466,606.60

1.14

21,176,342,881.42

1.00

497.00

0.30

0.00

0.00

0.00

0.00

28. GORONTALO

12,013,589,166,240.30

0.72

18,303,446,175.48

0.86

792.00

0.48

0.00

0.00

0.00

0.00

1,862,398,413,709.09

0.11

2,665,975,867.48

0.13

233.00

0.14

0.00

0.00

0.00

0.00

30. MALUKU

959,192,107,230.57

0.06

1,748,451,819.08

0.08

385.00

0.23

0.00

0.00

0.00

0.00

31. MALUKU UTARA

431,793,359,211.90

0.03

736,016,880.37

0.03

290.00

0.18

0.00

0.00

0.00

0.00

32. PAPUA BARAT

1,739,199,010,115.30

0.10

2,543,602,599.57

0.12

932.00

0.57

0.00

0.00

0.00

0.00

33. PAPUA

3,213,174,930,423.17

0.19

4,574,638,755.60

0.22

1,363.00

0.83

6,217,529,775.00

6,217,529,775.00

5.00

5.00

1,671,531,710,277,350.00

100.00

2,116,693,759,345.54

100.00

164,578.00

100.00

43,374,428,887.38

43,374,428,887.38

49.00

49.00

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

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

29. SULAWESI BARAT

T OT AL

69




PROVINCE

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

PROCESSING DATE :

In IDR


27/01/2015


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

01. NAD

61,526,298,867,310.90

2.86

87,272,745,480.81

3.10

2,196.00

1

8,770,397,587.13

8,770,397,587.13

9.00

9.00

02. SUMATERA UTARA

88,106,195,205,864.50

4.10

106,711,477,778.64

3.79

8,588.00

5

341,753,483.50

341,753,483.50

11.00

11.00

03. SUMATERA BARAT

23,100,967,279,292.50

1.07

40,326,642,779.02

1.43

14,189.00

9

39,905,000.00

39,905,000.00

2.00

2.00

04. RIAU

34,792,656,469,754.20

1.62

34,916,965,244.00

1.24

3,203.00

2

0.00

0.00

0.00

0.00

8,126,179,638,051.55

0.38

7,938,259,820.08

0.28

1,333.00

1

0.00

0.00

0.00

0.00

30,246,924,977,797.60

1.41

31,091,594,331.29

1.10

2,058.00

1

107,966,043.60

107,966,043.60

1.00

1.00

4,060,673,197,435.66

0.19

7,256,169,725.58

0.26

2,562.00

2

30,898,800.00

30,898,800.00

5.00

5.00

27,534,812,464,501.00

1.28

37,249,898,677.14

1.32

2,956.00

2

0.00

0.00

0.00

0.00

3,041,959,885,166.98

0.14

2,654,439,798.01

0.09

328.00

0

0.00

0.00

0.00

0.00

22,672,378,996,463.70

1.05

18,784,485,619.28

0.67

1,238.00

1

0.00

0.00

0.00

0.00

11. JAKARTA

464,405,939,083,112.00

21.61

669,669,520,934.73

23.80

38,644.00

23

0.00

0.00

0.00

0.00

12. JAWA BARAT

400,940,521,827,649.00

18.65

549,775,612,533.25

19.54

24,615.00

15

74,453,075.00

74,453,075.00

2.00

2.00

13. JAWA TENGAH

121,725,177,084,954.00

5.66

151,888,826,113.28

5.40

9,484.00

6

0.00

0.00

0.00

0.00

11,854,836,649,440.00

0.55

17,756,951,036.21

0.63

3,051.00

2

0.00

0.00

0.00

0.00

15. JAWA TIMUR

388,082,764,339,995.00

18.06

471,494,287,286.19

16.75

13,350.00

8

0.00

0.00

0.00

0.00

16. BANTEN

210,971,641,123,733.00

9.82

293,676,973,437.22

10.44

10,614.00

6

0.00

0.00

0.00

0.00

43,282,480,532,299.20

2.01

60,357,067,500.68

2.14

7,026.00

4

2,791,410,672.90

2,791,410,672.90

55.00

55.00


3,077,047,054,149.34

0.14

5,152,954,498.64

0.18

1,365.00

1

0.00

0.00

0.00

0.00


1,617,483,032,767.29

0.08

2,433,951,389.85

0.09

762.00

0

0.00

0.00

0.00

0.00


6,929,074,391,744.74

0.32

6,039,986,630.20

0.21

910.00

1

0.00

0.00

0.00

0.00


12,214,732,033,229.00

0.57

10,262,245,474.31

0.36

637.00

0

0.00

0.00

0.00

0.00


28,151,320,447,496.90

1.31

23,762,331,278.15

0.84

1,020.00

1

0.00

0.00

0.00

0.00


75,544,577,879,790.50

3.51

63,327,410,591.57

2.25

3,159.00

2

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

20,478,391,127,098.30

0.95

37,732,408,368.21

1.34

2,449.00

1

0.00

0.00

0.00

0.00

2,234,831,075,451.70

0.10

3,453,309,420.21

0.12

1,539.00

1

6,662,800.00

6,662,800.00

1.00

1.00

24,508,942,520,664.60

1.14

24,634,050,796.95

0.88

2,955.00

2

0.00

0.00

0.00

0.00

9,114,245,475,615.48

0.42

10,519,505,924.99

0.37

541.00

0

0.00

0.00

0.00

0.00

12,799,959,249,629.60

0.60

25,429,749,615.48

0.90

1,157.00

1

0.00

0.00

0.00

0.00

953,016,177,663.56

0.04

1,406,530,176.92

0.05

239.00

0

0.00

0.00

0.00

0.00

1,012,162,473,294.66

0.05

1,761,141,005.57

0.06

403.00

0

0.00

0.00

0.00

0.00

599,594,466,006.82

0.03

1,055,956,776.04

0.04

430.00

0

0.00

0.00

0.00

0.00

32. PAPUA BARAT

2,191,055,888,141.29

0.10

3,177,814,430.49

0.11

1,213.00

1

0.00

0.00

0.00

0.00

33. PAPUA

3,526,473,596,439.34

0.16

5,220,709,515.28

0.19

1,709.00

1

0.00

0.00

0.00

0.00

2,149,425,314,512,000.00

100.00

2,814,191,973,988.27

100.00

165,923.00

100

12,163,447,462.13 12,163,447,462.13

86.00

86.00


14. DIY

17. BALI

25. SULAWESI TENGAH 26. SULAWESI SELATAN 27. SULAWESI TENGGARA 28. GORONTALO 29. SULAWESI BARAT 30. MALUKU 31. MALUKU UTARA

T OT AL

70




PROVINCE

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

27/01/2015

In IDR


01. NAD

PROCESSING DATE :


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

8,231,868,689,952.92

0.43

12,322,756,854.35

0.47

1,927.00

1.11

02. SUMATERA UTARA

75,156,907,626,138.10

3.90

96,548,956,246.51

3.65

9,314.00

5.38

82,118,384.00

03. SUMATERA BARAT

26,414,100,677,274.60

1.37

47,371,801,948.12

1.79

15,166.00

8.77

04. RIAU

33,313,694,594,896.10

1.73

35,217,466,736.98

1.33

3,525.00

05. JAMBI

10,895,449,767,449.70

0.56

10,791,807,426.72

0.41

06. SUMATERA SELATAN

40,588,870,108,329.40

2.10

42,225,257,071.65

4,429,108,259,198.32

0.23

28,246,801,199,800.90

Amount

1,498,153,100.00 1,498,153,100.00

% 8.00

8.00

82,118,384.00

4.00

4.00

0.00

0.00

0.00

0.00

2.04

0.00

0.00

0.00

0.00

1,655.00

0.96

0.00

0.00

0.00

0.00

1.60

2,328.00

1.35

0.00

0.00

0.00

0.00

8,237,837,085.21

0.31

2,099.00

1.21

0.00

0.00

0.00

0.00

1.46

39,905,132,712.32

1.51

3,018.00

1.74

0.00

0.00

0.00

0.00

3,769,483,222,963.56

0.20

3,394,693,966.44

0.13

522.00

0.30

0.00

0.00

0.00

0.00

23,657,060,869,956.10

1.23

20,595,747,545.93

0.78

1,162.00

0.67

0.00

0.00

0.00

0.00

11. JAKARTA

398,765,147,964,504.00

20.67

597,612,860,435.61

22.62

36,232.00

20.95

0.00

0.00

0.00

0.00

12. JAWA BARAT

448,178,872,106,972.00

23.23

649,202,133,991.13

24.58

27,246.00

15.75

0.00

0.00

0.00

0.00

13. JAWA TENGAH

107,225,982,919,285.00

5.56

133,607,366,530.92

5.06

10,178.00

5.88

0.00

0.00

0.00

0.00

11,433,016,255,403.10

0.59

17,336,047,824.33

0.66

3,252.00

1.88

0.00

0.00

0.00

0.00

15. JAWA TIMUR

260,316,980,734,460.00

13.49

323,662,617,176.32

12.25

13,978.00

8.08

0.00

0.00

0.00

0.00

16. BANTEN

217,353,354,884,018.00

11.27

318,709,380,287.11

12.07

11,413.00

6.60

0.00

0.00

0.00

0.00

50,121,527,638,424.10

2.60

72,961,917,600.29

2.76

7,584.00

4.38

62,328,096.54

62,328,096.54

1.00

1.00


3,827,061,635,532.07

0.20

7,071,006,825.92

0.27

1,461.00

0.84

0.00

0.00

0.00

0.00


2,109,046,479,044.15

0.11

3,238,797,428.24

0.12

969.00

0.56

0.00

0.00

0.00

0.00


6,287,064,336,371.34

0.33

5,583,831,650.53

0.21

1,821.00

1.05

0.00

0.00

0.00

0.00


11,779,392,838,175.60

0.61

10,661,044,693.59

0.40

698.00

0.40

0.00

0.00

0.00

0.00


14,602,282,782,755.70

0.76

13,295,154,786.58

0.50

1,277.00

0.74

0.00

0.00

0.00

0.00


68,588,953,237,436.50

3.56

64,096,941,105.46

2.43

3,837.00

2.22

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

11,170,168,140,004.50

0.58

20,970,212,778.36

0.79

1,858.00

1.07

299,217,338.51

299,217,338.51

1.00

1.00

2,111,441,851,003.92

0.11

3,324,143,318.87

0.13

1,228.00

0.71

77,942,400.00

77,942,400.00

2.00

2.00

26,714,572,472,823.40

1.38

27,699,734,433.87

1.05

3,186.00

1.84

0.00

0.00

0.00

0.00

9,730,700,947,572.02

0.50

11,914,673,955.76

0.45

575.00

0.33

0.00

0.00

0.00

0.00

14,030,869,267,483.70

0.73

27,830,875,142.23

1.05

1,010.00

0.58

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

1,119,431,627,504.72

0.06

1,676,539,338.07

0.06

254.00

0.15

0.00

0.00

0.00

0.00

30. MALUKU

1,293,638,879,671.43

0.07

2,358,964,475.46

0.09

511.00

0.30

0.00

0.00

0.00

0.00

838,592,023,935.22

0.04

1,479,457,700.98

0.06

424.00

0.25

0.00

0.00

0.00

0.00

32. PAPUA BARAT

3,235,431,707,249.94

0.17

4,823,778,402.01

0.18

1,260.00

0.73

0.00

0.00

0.00

0.00

33. PAPUA

3,605,839,668,639.26

0.19

5,837,324,266.62

0.22

1,999.00

1.16

0.00

0.00

0.00

0.00

1,929,142,715,414,230.00

100.00

2,641,566,261,742.49

100.00

172,967.00

100.00

2,019,759,319.05 2,019,759,319.05

16.00

16.00

07. BENGKULU 08. LAMPUNG 09. KEP BANGKA-BELITUNG 10. KEPULAUAN RIAU

14. DIY

17. BALI

25. SULAWESI TENGAH 26. SULAWESI SELATAN 27. SULAWESI TENGGARA 28. GORONTALO

31. MALUKU UTARA

T OT AL

71




PROVINCE

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

27/01/2015

In IDR


01. NAD

PROCESSING DATE :


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

9,088,497,478,727.49

0.35

16,212,999,533.71

0.38

1,620.00

0.86

33,436,000.00

33,436,000.00

2.00

2.00

02. SUMATERA UTARA

92,886,941,469,493.40

3.57

133,177,503,866.76

3.13

9,444.00

5.03

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

36,975,173,829,529.40

1.42

70,412,946,017.69

1.66

15,376.00

8.19

3,997,822.00

3,997,822.00

1.00

1.00

04. RIAU

47,642,572,184,237.40

1.83

55,756,882,454.75

1.31

3,484.00

1.86

0.00

0.00

0.00

0.00

05. JAMBI

10,906,819,720,562.70

0.42

12,343,542,592.75

0.29

1,927.00

1.03

0.00

0.00

0.00

0.00

06. SUMATERA SELATAN

41,546,157,693,254.90

1.60

48,975,548,628.88

1.15

2,852.00

1.52

0.00

0.00

0.00

0.00

4,859,327,088,433.02

0.19

9,804,776,463.34

0.23

1,819.00

0.97

0.00

0.00

0.00

0.00

25,667,366,382,034.10

0.99

39,214,958,290.62

0.92

3,048.00

1.62

0.00

0.00

0.00

0.00

4,502,325,263,158.99

0.17

4,376,254,230.71

0.10

478.00

0.25

0.00

0.00

0.00

0.00

26,826,788,381,499.10

1.03

27,469,310,363.17

0.65

1,292.00

0.69

0.00

0.00

0.00

0.00

11. JAKARTA

432,489,535,629,069.00

16.61

697,994,679,891.89

16.42

47,445.00

25.28

0.00

0.00

0.00

0.00

12. JAWA BARAT

705,292,830,823,398.00

27.08

1,205,838,311,325.53

28.36

28,370.00

15.12

22,511,000.00

22,511,000.00

1.00

1.00

13. JAWA TENGAH

139,005,766,651,937.00

5.34

188,465,060,856.00

4.43

10,132.00

5.40

36,698,400.00

36,698,400.00

1.00

1.00

11,426,937,319,653.50

0.44

17,682,952,803.43

0.42

3,401.00

1.81

1,221,193,260.00

1,221,193,260.00

4.00

4.00

15. JAWA TIMUR

238,550,814,888,175.00

9.16

331,401,628,230.73

7.79

14,565.00

7.76

318,224,727,820.00 318,224,727,820.00

48.00

48.00

16. BANTEN

280,089,192,820,555.00

10.76

475,609,487,714.66

11.19

12,283.00

6.55

0.00

0.00

0.00

0.00

17. BALI

302,582,088,814,057.00

11.62

682,785,893,657.11

16.06

8,018.00

4.27

0.00

0.00

0.00

0.00


4,519,786,644,225.11

0.17

8,802,969,699.51

0.21

1,359.00

0.72

15,869,069.88

15,869,069.88

1.00

1.00


1,752,041,709,512.98

0.07

2,812,496,001.85

0.07

762.00

0.41

0.00

0.00

0.00

0.00


8,058,602,953,961.14

0.31

7,801,543,847.70

0.18

1,068.00

0.57

0.00

0.00

0.00

0.00


17,307,987,814,281.70

0.66

17,958,489,273.68

0.42

690.00

0.37

0.00

0.00

0.00

0.00


36,936,891,817,714.20

1.42

37,315,778,410.83

0.88

1,247.00

0.66

0.00

0.00

0.00

0.00


63,854,929,759,044.80

2.45

67,895,584,533.35

1.60

4,038.00

2.15

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

16,072,771,025,235.70

0.62

32,959,504,345.17

0.78

1,854.00

0.99

0.00

0.00

0.00

0.00

4,181,876,369,747.64

0.16

6,862,013,070.21

0.16

1,306.00

0.70

50,000,000.00

50,000,000.00

1.00

1.00

27,545,073,710,591.10

1.06

28,412,649,869.63

0.67

3,385.00

1.80

0.00

0.00

0.00

0.00


1,513,553,072,172.13

0.06

2,269,405,998.90

0.05

604.00

0.32

0.00

0.00

0.00

0.00

28. GORONTALO

1,999,735,606,857.58

0.08

3,836,338,417.27

0.09

827.00

0.44

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

1,286,900,043,154.22

0.05

1,927,480,130.89

0.05

311.00

0.17

0.00

0.00

0.00

0.00

30. MALUKU

1,835,472,975,995.64

0.07

3,456,936,294.54

0.08

615.00

0.33

0.00

0.00

0.00

0.00

536,597,259,258.84

0.02

1,033,934,795.32

0.02

376.00

0.20

0.00

0.00

0.00

0.00

32. PAPUA BARAT

2,592,512,943,238.42

0.10

4,192,732,314.06

0.10

1,344.00

0.72

0.00

0.00

0.00

0.00

33. PAPUA

3,750,751,263,579.27

0.14

6,547,727,309.50

0.15

2,317.00

1.23

0.00

0.00

0.00

0.00

2,604,084,621,406,340.00

100.00

4,251,608,321,234.14

100.00

187,657.00

100.00

319,608,433,371.88 319,608,433,371.88

59.00

59.00

07. BENGKULU 08. LAMPUNG 09. KEP BANGKA-BELITUNG 10. KEPULAUAN RIAU

14. DIY

25. SULAWESI TENGAH 26. SULAWESI SELATAN

31. MALUKU UTARA

T OT AL

72




PROVINCE

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

27/01/2015

In IDR


01. NAD

PROCESSING DATE :


%

Amount

NUMBER OF RISKS

%

Amount

CLAIM %

Amount

CLAIM FREQUENCY %

Amount

%

2,911,968,873,207.98

0.19

5,091,341,010.80

0.22

1,243.00

0.90

0.00

0.00

0.00

0.00

02. SUMATERA UTARA

54,201,404,976,792.20

3.55

75,727,909,010.11

3.20

7,585.00

5.50

0.00

0.00

0.00

0.00

03. SUMATERA BARAT

15,479,627,030,839.50

1.01

28,337,331,931.33

1.20

13,644.00

9.89

0.00

0.00

0.00

0.00

04. RIAU

29,824,102,387,880.20

1.95

34,736,850,618.73

1.47

2,375.00

1.72

0.00

0.00

0.00

0.00

5,970,659,568,392.78

0.39

6,807,811,027.90

0.29

1,304.00

0.95

0.00

0.00

0.00

0.00

27,432,385,891,596.50

1.80

36,216,851,619.98

1.53

1,987.00

1.44

0.00

0.00

0.00

0.00

2,688,111,589,498.86

0.18

5,196,899,868.66

0.22

1,465.00

1.06

0.00

0.00

0.00

0.00

18,988,064,135,812.30

1.24

29,220,233,520.15

1.24

2,173.00

1.58

0.00

0.00

0.00

0.00

1,703,824,000,493.82

0.11

1,645,316,338.27

0.07

369.00

0.27

0.00

0.00

0.00

0.00

24,436,668,787,377.40

1.60

25,636,141,063.80

1.08

931.00

0.68

0.00

0.00

0.00

0.00

11. JAKARTA

354,181,355,824,607.00

23.21

594,305,245,952.15

25.15

34,295.00

24.87

0.00

0.00

0.00

0.00

12. JAWA BARAT

340,647,613,053,013.00

22.32

566,618,351,732.30

23.98

20,360.00

14.76

0.00

0.00

0.00

0.00

73,473,330,658,481.50

4.81

103,390,538,888.04

4.37

7,912.00

5.74

0.00

0.00

0.00

0.00

8,140,639,166,067.23

0.53

12,465,810,681.92

0.53

2,991.00

2.17

0.00

0.00

0.00

0.00

15. JAWA TIMUR

183,430,411,647,765.00

12.02

262,540,138,550.84

11.11

9,634.00

6.99

180,000,000.00

180,000,000.00

5.00

5.00

16. BANTEN

136,741,662,589,863.00

8.96

228,838,501,048.32

9.68

9,645.00

6.99

0.00

0.00

0.00

0.00

48,467,238,201,654.80

3.18

78,210,871,889.87

3.31

6,613.00

4.80

15,745,036.00

15,745,036.00

1.00

1.00


6,277,755,878,079.54

0.41

11,630,709,649.13

0.49

1,083.00

0.79

0.00

0.00

0.00

0.00


1,690,901,964,813.75

0.11

2,843,895,111.45

0.12

345.00

0.25

0.00

0.00

0.00

0.00


7,816,537,077,239.35

0.51

7,862,944,530.08

0.33

806.00

0.58

0.00

0.00

0.00

0.00


16,705,388,836,094.50

1.09

17,515,051,704.80

0.74

356.00

0.26

0.00

0.00

0.00

0.00


13,273,301,252,163.30

0.87

12,567,430,084.75

0.53

797.00

0.58

0.00

0.00

0.00

0.00


33,095,227,828,874.60

2.17

34,492,141,258.09

1.46

1,717.00

1.25

0.00

0.00

0.00

0.00

24. SULAWESI UTARA

9,921,249,446,368.79

0.65

20,490,377,892.28

0.87

1,428.00

1.04

0.00

0.00

0.00

0.00

25. SULAWESI TENGAH

2,608,915,338,453.48

0.17

4,281,219,265.49

0.18

605.00

0.44

0.00

0.00

0.00

0.00


78,635,816,919,012.70

5.15

112,672,045,540.57

4.77

2,225.00

1.61

0.00

0.00

0.00

0.00


16,516,477,744,881.00

1.08

25,118,283,517.11

1.06

322.00

0.23

0.00

0.00

0.00

0.00

789,107,217,493.49

0.05

1,566,477,337.75

0.07

419.00

0.30

0.00

0.00

0.00

0.00

29. SULAWESI BARAT

2,974,243,395,568.70

0.19

4,462,096,551.91

0.19

99.00

0.07

0.00

0.00

0.00

0.00

30. MALUKU

1,503,672,083,364.48

0.10

2,912,579,382.63

0.12

509.00

0.37

0.00

0.00

0.00

0.00

520,371,476,397.86

0.03

987,939,649.35

0.04

245.00

0.18

0.00

0.00

0.00

0.00

32. PAPUA BARAT

1,940,013,974,537.76

0.13

3,250,714,401.89

0.14

998.00

0.72

0.00

0.00

0.00

0.00

33. PAPUA

3,183,386,341,646.92

0.21

5,671,272,580.19

0.24

1,426.00

1.03

0.00

0.00

0.00

0.00

1,526,171,435,158,330.00

100.00

2,363,311,323,210.64

100.00

137,906.00

100.00

195,745,036.00

195,745,036.00

6.00

6.00


13. JAWA TENGAH 14. DIY

17. BALI

28. GORONTALO

31. MALUKU UTARA

T OT AL

73

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 31 Desember 2014 Indonesian Earthquake Distribution by Province, Underwriting Year 2014, as at 31 December 2014

74

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

75

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 31 Desember 2014 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2014 Indonesian Earthquake Distribution by Province, Underwriting Year 2014, as at 31 December 2014, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2014

76

DAMAGE RATIO Materi Damage Ratio ini membahas

Damage

Ratio

discussed

two

dua gempa yaitu Gempa Bengkulu dan Gempa

earthquakes i.e. Bengkulu and Pariaman

Pariaman yang diulas kembali menggunakan

earthquake that review using the most recent

data terbaru untuk memberikan gambaran

data to provide the latest update.

terkini. Gempa Bengkulu yang terjadi pada

Bengkulu Earthquake occurred on 12th

tanggal 12 September 2007, berkekuatan 7,9

September 2007 with magnitude 7.9 SR

SR (BMKG) dan Gempa Pariaman yang terjadi

(BMKG) and Pariaman Earthquake occurred on

pada 30 september 2009 dengan kekuatan 7,6

30th September 2009 with magnitude 7.6 SR

SR (BMKG) terjadi pada zona penunjaman di

(BMKG) on subduction zone along the west

wilayah pantai barat Sumatera.

coast of Sumatera.

Penunjaman

tersebut

terjadi

Subduction occured because of the pressure

disebabkan tekanan dari Lempeng Samudera

from the Indian Ocean-Australian Plate into the

Hindia-Australia ke dalam Lempeng Eurasia

Eurasian plate at the rate of 5.7 cm/year. As a

dengan laju penunjamannya sebesar 5,7

result of the subduction causes compression

cm/tahun. Akibat dari penunjaman tersebut

towards the west coast of Sumatera, resulting

menyebabkan kompresi arah barat pantai

several earthquakes where the mechanism of

Sumatera, mengakibatkan beberapa kejadian

events is the result of plate collision.

gempa bumi dimana mekanisme kejadiannya merupakan hasil dari tumbukan lempeng. Berdasarkan data klaim dari gempa

Based on claims data of Bengkulu Earthquake,

bumi Bengkulu, menunjukkan pembagian zona

show the zone distribution with the following

dengan MMI sebagai berikut:

MMI:

1. Zona MMI VI

1.

 Probabilitas loss ratio 20% adalah

Zone MMI VI  The probability of loss ratio of 20 %

sebesar 3% dari jumlah risiko.

is equal to 3 % from number of risk.

77

2. Zona MMI VII

2. Zone MMI VII

 Tidak ditemukan adanya data klaim.

 Not found any buildings claims data loss.

3. Zona MMI VIII

3. Zone MMI VIII


 The probability of loss ratio of 20 %

sebesar 7,7%.

is equal to 7.7 % from number of risk.

Berdasarkan data klaim dari gempa

Based on claims data of Bengkulu

bumi Pariaman, menunjukkan pembagian zona

Earthquake, show the zone distribution with the

dengan MMI sebagai berikut:

following MMI:

1. Zona MMI VI

1. Zone MMI VI

 Tidak ditemukan adanya data klaim

 Not found any buildings claims data

kerugian bangunan.

loss.

78

2. Zona MMI VII

2. Zone MMI VII



sebesar 13% dari jumlah risiko.

is equal to 13% from number of risk.

3. Zona MMI VIII

3. Zone MMI VIII



sebesar 2,4%.

is equal to 2.4 % from number of risk.

Tabel Mean Damage / Mean Damage Table

79

THE PREDICTION ERROR OF BORNHUETTER-FERGUSON BY THOMAS MACK

INTRODUCTION

PENGANTAR Bornhuetter-Ferguson

The Bornhuetter-Ferguson method is

method

one of the methods used by many general

merupakan salah satu metode perhitungan

insurance companies in the world, including in

cadangan klaim IBNR yang sering digunakan

Indonesia, to calculate IBNR claim reserve. The

oleh industri asuransi umum di dunia, demikian

following is an explanation with illustrative

juga di Indonesia. Di bawah ini disajikan

examples which refers to a paper by Thomas

penjelasan beserta contoh ilustrasi yang

Mack (2008) on estimating IBNR claims reserve

merujuk pada makalah Thomas Mack (2008) tentang

estimasi

cadangan

klaim

using

IBNR

Bornhuetter-Ferguson

method

and

calculating its standard error.

menggunakan metode Bornhuetter-Ferguson dan perhitungan standard error estimator.

THE

BORNHUETTER-FERGUSON

THE

(BF)

(BF)

METHOD

METHOD

Let 𝐶𝑖,𝑘 be a cumulative claim amount

Misalkan 𝐶𝑖,𝑘 adalah besar klaim

for

kumulatif untuk accident year 𝑖 = 1,2, … , 𝑛

year

𝑖 = 1,2, … , 𝑛

and

earned premium in accident year i. Let 𝑆𝑖,𝑘 =

adalah earned premium pada accident year 𝑖.

𝐶𝑖,𝑘 -𝐶𝑖,𝑘−1 represents incremental claim

Lalu misalkan 𝑆𝑖,𝑘 = 𝐶𝑖,𝑘 -𝐶𝑖,𝑘−1 menyatakan

amount (with 𝐶𝑖,0 = 0) and 𝑈𝑖 is Ultimate claim

besar klaim incremental (dengan 𝐶𝑖,0 = 0) dan

amount for accident year 𝑖. In predicting the

𝑈𝑖 adalah besar klaim Ultimate untuk accident Metode

accident

development year 𝑘 = 1,2, … , 𝑛 and 𝑣𝑖 is

dan development year 𝑘 = 1,2, … , 𝑛 dan 𝑣𝑖

year 𝑖.

BORNHUETTER-FERGUSON

IBNR claim reserve, the Bornhuetter-Ferguson


method avoids direct dependency to the

menghindari kebergantungan metode estimasi

cumulative claim amount in the last payment

secara langsung terhadap besar klaim di tahun

(calendar) year.

payment (kalender) terakhir.

80

Tiga asumsi yang harus dipenuhi dalam

Three asumptions used in applying the

menggunakan metode BF adalah sebagai

BF method are as follows:

berikut: 



Semua nilai incremental 𝑆𝑖,𝑘 saling bebas.



independent. 

Terdapat parameter 𝑥𝑖 dan 𝑦𝑘 dengan 𝐸(𝑈𝑖 ) = 𝑥𝑖 ,

𝐸(𝑆𝑖,𝑘 ) = 𝑥𝑖 𝑦𝑘 dan

There are unknown parameters 𝑥𝑖 and 𝑦𝑘 with 𝐸(𝑈𝑖 ) = 𝑥𝑖 , 𝐸(𝑆𝑖,𝑘 ) = 𝑥𝑖 𝑦𝑘

𝑦1 + ⋯ + 𝑦𝑛+1 = 1 . 

All incremental claims amount 𝑆𝑖,𝑘 are

and 𝑦1 + ⋯ + 𝑦𝑛+1 = 1. 

Terdapat proporsi konstanta 𝑠𝑘2 dengan

There

is an unknown proportional

𝑎𝑟(𝑆𝑖,𝑘 ) = 𝑥𝑖 𝑠𝑘2 .

constant 𝑠𝑘2 with 𝑉𝑎𝑟(𝑆𝑖,𝑘 ) = 𝑥𝑖 𝑠𝑘2 .

Formula perhitungan cadangan klaim

The IBNR claim reserve calculation

IBNR dengan metode BF didefinisikan sebagai

formula using the BF method is defined as

berikut:

follows: ̂𝑖 𝑅̂𝑖𝐵𝐹 = (1 − 𝑧̂𝑛+1−𝑖 )𝑈

̂𝑖 𝑅̂𝑖𝐵𝐹 = (1 − 𝑧̂𝑛+1−𝑖 )𝑈

Where

Dengan 



̂𝑖 = 𝑣𝑖 𝑞̂𝑖 dengan 𝑞̂𝑖 adalah 𝑈

estimate of the Ultimate Loss

estimasi prior dari Ultimate Loss Ratio (ULR) 𝑞𝑖 =

Ratio

𝑈𝑖 𝑣𝑖

𝑞𝑖 =

untuk accident year 𝑖 . 

𝑧̂𝑘 𝜖[0,1]

adalah

̂𝑖 = 𝑣𝑖 𝑞̂𝑖 with 𝑞̂𝑖 is a prior 𝑈



estimasi

(ULR) 𝑈𝑖 𝑣𝑖

for accident year 𝑖.

𝑧̂𝑘 𝜖[0,1] is the estimate of the

persentase dari Ultimate Loss

percentage of the Ultimate

yang

Loss which is expected after

diharapkan

diketahui

development year 𝑘.

setelah development year 𝑘.

Below is an example of a cumulative

Di bawah ini diberikan contoh suatu

run-off triangle with = 6 :

segitiga run-off kumulatif dengan 𝑛 = 6 :

The data used as an example is taken

Data yang digunakan dalam contoh ini

from Schmidt (2008).

diambil dari Schmidt (2008).

81

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

𝐶3.4 = 3977

𝐶4,1 = 1490

𝐶3.2 = 2433 𝐶4,2 = 2873

𝐶3.3 = 3233

4 5

𝐶5,1 = 1725

𝐶5,2 = 3261

6

𝐶6,1 = 1889

𝐶4.3 = 3880

Bagian atas dari suatu run-off triangle adalah

The upper part of the run-off triangle are the

hasil pengamatan atau observasi.

observations.

Diperoleh segitiga run-off incremental dengan

Below is the corresponding incremental run-off

𝑛 = 6 berikut:

triangle with 𝑛 = 6:

Development Year k

Accident Year i

1

Metode

2

3

4

5

1

𝑆1,1 = 1001

𝑆1.2 = 854

𝑆1.3 = 568

𝑆1.4 = 565

𝑆1.5 = 347

2

𝑆2,1 = 1113

𝑆2.2 = 990

𝑆2.3 = 671

𝑆2.4 = 648

𝑆2.5 = 422

3

𝑆3,1 = 1265

𝑆3.3 = 800

𝑆3.4 = 744

4

𝑆4,1 = 1490

𝑆3.2 = 1168 𝑆4,2 = 1383

5

𝑆5,1 = 1725

𝑆5,2 = 1536

6

𝑆6,1 = 1889


yang

6 𝑆1.6 = 148

𝑆4.3 = 1007

akan

The Bornhuetter-Ferguson method discussed

dibahas dalam tulisan ini adalah metode

here is that without tail factor; hence, the

Bornhuetter-Ferguson tanpa tail factor; dengan

development year ends in development year 𝑛.

kata lain development year berakhir pada 𝑛. Notasi dan formula yang digunakan pada paper

Notations and Formulas used in Mack (2008)

Mack (2008) dapat dirangkum sebagai berikut:

are summarized in the table below:

82

Notasi

Formula

Keterangam

𝑛+1−𝑘 𝑆𝑖,𝑘 𝑖=1 𝑛+1−𝑘 𝑣𝑖 𝑖=1

𝒎𝒌

Incremental Loss Ratio(ILR) pada development year 𝑘. (Incremental Loss Ratio in development year 𝑘)

𝑛+1−𝑖 𝑘=1 𝑆𝑖,𝑘 𝑛+1−𝑖 𝑘=1 𝑣𝑖 𝑚𝑘

𝒓𝒊 𝒓𝒊∗

𝑝𝑎𝑖𝑑

𝒓𝒊

+𝒓𝑖𝑛𝑐 𝒊 2

𝒎∗𝒌

atau

𝑝𝑎𝑖𝑑

𝒓𝒊

Loss Ratio Index pada accident year 𝑖. (Loss Ratio Index in accident year 𝑖) × 𝒓𝑖𝑛𝑐 𝒊

𝑛+1−𝑘 𝑆𝑖,𝑘 𝑖=1 𝑛+1−𝑘 𝑣𝑖 𝑟𝑖∗ 𝑖=1

Nilai Loss Ratio Index yang dipilih. (The selected Loss Ratio Index) ILR yang dipilih. Formula diubah sesuai dengan rate premium yang telah disesuaikan dengan rate adequacy.(The smoothed or selected Incremental Loss Ratio. The adjusted formula uses the adjusted premium rate which depends on rate adequacy).

𝒒𝒊

∗ 𝑟𝑖∗ (𝑚1∗ + 𝑚2∗ + ⋯ + 𝑚𝑛+1 )

Estimasi Prior dari Ultimate Loss Ratio (ULR) pada accident year 𝑖.(Prior estimate of the Ultimate Loss Ratio in accident year 𝑖)

̂𝒊 𝑼

𝑣𝑖 𝑞̂𝑖

Estimasi prior untuk Ultimate Loss pada accident year 𝑖. (Prior estimate of the Ultimate Loss in accident year 𝑖).

𝒚𝒌

𝑚𝑘∗

Persentase loss pada development year

∗ 𝑚1∗ + 𝑚2∗ + ⋯ + 𝑚𝑛+1

𝑘. (Loss percentage in development year 𝑘).

𝒛̂𝒌

𝑚1∗ + 𝑚2∗ + ⋯ + 𝑚𝑘∗ ∗ 𝑚1∗ + 𝑚2∗ + ⋯ + 𝑚𝑛+1

Rata-rata persentase kumulatif pada development year 𝑘. (The average of the cumulative percentages in development year 𝑘).

̂𝒊 𝑹

̂𝑖 (1 − 𝑧̂𝑛+1−𝑖 )𝑈

Cadangan klaim pada accident year 𝑖. (Claim reserve in accident year 𝑖)

83

Contoh:

Example:

Misalkan diketahui besar earned premium

Let the earned premium amount for every

untuk tiap accident year 𝑖 sebagai berikut:

accident year 𝑖 is given as follow:

Accident year 𝒊 1 2 3 4 5 6

Earned Premium (𝒗𝒊 ) 3.517 3.981 4.598 5.658 6.214 6.325


Earned Premium (𝒗𝒊 ) 3,517 3,981 4,598 5,658 6,214 6,325

Untuk segitiga run-off di atas, diperoleh tabel

For the given run-off triangle above, the table

̂ 𝒊 di bawah ini: 𝑹

for 𝑅̂𝑖 below is obtained:



Cadangan ̂𝒊 𝑹 2.535,77 1.934,27 1.447,19 845,81 309,11 52,25

Cadangan ̂𝒊 𝑹 2,535.77 1,934.27 1,447.19 845.81 309.11 52.25

Dengan menjumlahkan seluruh 𝑅̂𝑖 , diperoleh 𝑅̂

By summing all 𝑅̂𝑖 , 𝑅̂ equal to 7,123.39 is

sebesar 7.123,39.

obtained.

PREDICTION ERROR

PREDICTION ERROR

Mean Square Error Prediction untuk estimator

The Mean Square Error Prediction of the

cadangan klaim pada accident year i adalah

estimator of the claim reserve in accident year 𝑖

sebagai berikut:

is as follows:

𝑀𝑆𝐸𝑃(𝑅̂𝑖𝐵𝐹 )

2 = 𝐸 (𝑅̂𝑖𝐵𝐹 − 𝑅𝑖 )

= 𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 ) + 𝑉𝑎𝑟(𝑅𝑖 )

84

Dengan

𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 )

disebut

(kuadrat)

Where

𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 ) is

called

a

squared

estimation error dan 𝑉𝑎𝑟(𝑅𝑖 ) disebut (kuadrat)

estimation error or an estimation error and

process error.

𝑉𝑎𝑟(𝑅𝑖 ) is called a (squared) process error.

PROCESS ERROR (𝑉𝑎𝑟(𝑅𝑖 ))

PROCESS ERROR (𝑉𝑎𝑟(𝑅𝑖 ))

Variansi cadangan klaim dapat dihitung

The variance of the claim reserve may be

menggunakan formula berikut:

calculated using the formula below:

𝑉𝑎𝑟(𝑅𝑖 )

= 𝑉𝑎𝑟(𝑆𝑖,𝑛+2−𝑖 + ⋯ + 𝑆𝑖,𝑛+1 ) 2 2 = 𝑥𝑖 (𝑠𝑛+2−𝑖 + ⋯ + 𝑠𝑛+1 )

Sehingga estimasi dari process error adalah

Hence, the estimate of the process error is

2∗ 2∗ 𝑉𝑎𝑟(𝑅𝑖 ) = 𝑈̂𝑖 (𝑠̂𝑛+2−𝑖 + ⋯ + 𝑠̂𝑛+1 )

dengan

where

𝑠̂𝑘2 =

1 𝑛−𝑘

𝑛+1−𝑘

𝑖=1

(𝑆𝑖,𝑘 − 𝑈̂𝑖 𝑦̂𝑘∗ ) 𝑈̂𝑖

2

𝑠̂𝑘2 merupakan estimator tak bias dari 𝑠𝑘2 .

𝑠̂𝑘2 is an unbiased estimator of 𝑠𝑘2 .

ESTIMATION ERROR 𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 )

ESTIMATION ERROR 𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 )

Variansi cadangan klaim menggunakan metode

The variance of the Claim reserve obtained

BF adalah

using the BF method is. ∗ ). 𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 ) = 𝑉𝑎𝑟 𝑈̂𝑖 (1 − 𝑧𝑛+1−𝑖

Using the general formula below independent random variables 𝑋 and 𝑌:

Dengan menggunakan formula umum berikut

untuk peubah acak 𝑋 dan 𝑌 yang saling bebas: 𝑉𝑎𝑟(𝑋𝑌)

= 𝐸[(𝑋𝑌)2 ] − 𝐸[𝑋𝑌]

2

= (𝑉𝑎𝑟(𝑋) + 𝐸[𝑋]2 )(𝑉𝑎𝑟(𝑌) + 𝐸[𝑌]2 ) − (𝐸[𝑋])2 (𝐸[𝑌])2 .

85

for

Diperoleh variansi dari 𝑅̂𝑖𝐵𝐹 sebagai berikut: 𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 )

The variances of 𝑅̂𝑖𝐵𝐹 is obtained as follows:

∗ ̂𝑖 (1 − 𝑧̂𝑛+1−𝑖 ) = 𝑉𝑎𝑟 𝑈 ∗ ̂𝑖 ) 𝑉𝑎𝑟(𝑧̂𝑛+1−𝑖 ̂𝑖 )(1 − 𝑧𝑛+1−𝑖 )2 ) + 𝑉𝑎𝑟(𝑈 = 𝑥𝑖2 + 𝑉𝑎𝑟(𝑈

dengan

where ̂𝑖 estimator untuk 𝑥𝑖 dan 𝑈

̂𝑖 is an estimator of 𝑥𝑖 and 𝑈

∗ 𝑧̂𝑛+1−𝑖 estimator dari 𝑧𝑛+1−𝑖 .

∗ 𝑧̂𝑛+1−𝑖 is an estimator of 𝑧𝑛+1−𝑖.

Untuk menghitung 𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 ) yang terdapat

𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 ) in the equation above is calculated

pada persamaan di atas cukup dengan

̂𝑖 ) using the formula by calculating 𝑠. 𝑒 (𝑈

̂𝑖 ) yang diformulasikan menghitung 𝑠. 𝑒 (𝑈

below:

sebagai berikut:

𝑛

𝑠. 𝑒 (𝑈̂𝑖 )

2

𝑣𝑖 = 𝑛−1

𝑗 =1

dengan

𝑈̂𝑗 𝑣𝑗 − 𝑞̂ 𝑣𝑗

2

where 𝑛 ̂ 𝑗 =1 𝑈𝑖 . 𝑛 𝑗 =1 𝑣𝑗

𝑞̂ =

̂𝑖 ) perlu juga dihitung 𝑠. 𝑒(𝛽̂𝑘∗ ) Selain 𝑠. 𝑒 (𝑈

̂𝑖 ) , 𝑠. 𝑒(𝛽̂𝑘∗ ) also need to be Beside s. 𝑒 (𝑈

yaitu:

calculated as follows: 𝑠. 𝑒(𝛽̂𝑘∗ ) =

Secara bersamaan akan diestimasi (𝑠. 𝑒(𝑧̂𝑘∗ ))

𝑠̂𝑘2∗ 𝑛+1−𝑘 ̂ 𝑗 =1 To𝑈𝑗

2

To

untuk 𝑉𝑎𝑟(𝑧̂𝑘∗ ) yaitu:

, 1≤𝑘≤𝑛

𝑉𝑎𝑟(𝑧̂𝑘∗ ) ,

determine

2

(𝑠. 𝑒(𝑧̂𝑘∗ )) is

calculated as follows:

2

2

2

2

2

∗ )) ∗ )) + ⋯ + (𝑠. 𝑒(𝑦̂𝑛+1 (𝑠. 𝑒(𝑧̂𝑘∗ )) = 𝑚𝑖𝑛 (𝑠. 𝑒(𝑦̂1∗ )) + ⋯ + (𝑠. 𝑒(𝑦̂𝑘∗ )) , (𝑠. 𝑒(𝑦̂𝑘+1

Maka estimation error dari cadangan klaim

Then the estimation error of the claim reserve for

untuk accident year ke-𝑖 adalah

accident year 𝑖 th is

𝑠. 𝑒 𝑅𝑖𝐵𝐹

2

̂𝑖2 + 𝑠. 𝑒(𝑈 ̂𝑖 ) = 𝑈

2

2 ∗ ̂𝑖 ) )) + 𝑠. 𝑒(𝑈 (𝑠. 𝑒(𝑧̂𝑛+1−𝑖

86

2

∗ (1 − 𝑧̂𝑛+1−𝑖 )2

Contoh:

Example:

Dengan mengikuti perhitungan 𝑚𝑠𝑒𝑝(𝑅̂𝑖𝐵𝐹 )

Following

untuk segitiga run-off di atas, diperoleh tabel

𝑚𝑠𝑒𝑝(𝑅̂𝑖𝐵𝐹 ) for the given run-off triangle is

berikut:

shown in the table below:

Accident Year 𝒊 1 2 3 4 5 6

Estimation Error ̂ 𝑩𝑭 𝑽𝒂𝒓(𝑹 𝒊 ) 83,17 111,78 332,10 575,90 628,09 1.207,73

Process Error 𝑽𝒂𝒓(𝑹𝒊 )


0 95,77 378,63 479,97 2.120,20 2.470,46

the

calculation

Estimation Error ̂ 𝑩𝑭 𝑽𝒂𝒓(𝑹 𝒊 )

above,

the

Process Error 𝑽𝒂𝒓(𝑹𝒊 )

83.17 111.78 332.10 575.90 628.09 1,207.73

0 95.77 378.63 479.97 2,120.20 2,470.46

Telah diketahui 𝑚𝑠𝑒𝑝(𝑅̂𝑖𝐵𝐹 ) = 𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 ) +

It is known that 𝑚𝑠𝑒𝑝(𝑅̂𝑖𝐵𝐹 ) = 𝑉𝑎𝑟(𝑅̂𝑖𝐵𝐹 ) +

𝑉𝑎𝑟(𝑅𝑖 ), sehingga diperoleh tabel berikut:

𝑉𝑎𝑟(𝑅𝑖 ) , hence the table below is obtained:



Prediction Error 𝒎𝒔𝒆𝒑(𝑹̂𝑩𝑭 𝒊 ) 83,17 207,55 710,73 1.055,87 2.748,29 3.678,19

Prediction Error 𝒎𝒔𝒆𝒑(𝑹̂𝑩𝑭 𝒊 ) 83.17 207.55 710.73 1,055.87 2,748.29 3,678.19 𝑚𝑠𝑒𝑝(𝑅̂𝑖𝐵𝐹 ) ,

Dengan menjumlahkan seluruh 𝑚𝑠𝑒𝑝(𝑅̂𝑖𝐵𝐹 ),

By

diperoleh 𝑚𝑠𝑒𝑝(𝑅̂ 𝐵𝐹 ) sebesar 8.483,79.

𝑚𝑠𝑒𝑝(𝑅̂ 𝐵𝐹 ) is equal to 8,483.79.

CONCLUSION

CONCLUSION

Dari perhitungan di atas diperoleh standard

From the above calculation, the standard error

error

IBNR

of the estimator of the IBNR claim reserve using

menggunakan metode Bornhuetter-Ferguson

the the Bornhuetter-Ferguson method is equal

sebesar √8.483,79 = 92,11.

to √8,483.79 = 92.11.

estimator

cadangan

klaim

87

summing

all

the

Apabila asumsi kenormalan dapat digunakan,

If normality assumption may be used, i.e. it is

̂̂ maka diasumsikan 𝜇̂ 𝑂𝑆 ~ 𝑁 𝑅, 𝑚𝑠𝑒(𝑅 )

̂̂ assumed that 𝜇̂ 𝑂𝑆 ~ 𝑁 𝑅, 𝑚𝑠𝑒(𝑅 ) where

dengan 𝜇̂ 𝑂𝑆 adalah estimasi cadangan IBNR.

𝜇̂ 𝑂𝑆 is the estimate of the IBNR claim reserve,

Menggunakan

dapat

then an estimate of the IBNR claim reserve with

ditentukan suatu estimasi cadangan dengan

certain “adequacy level”, for example 75% and

“tingkat kecukupan” tertentu, misalnya, 75%

95%, may be determined.

asumsi

tersebut,

dan 95%. REFERENSI/REFERENCE 1. Agus, M.F. (2014), Prediction Error dari Metode Bornhuetter-Ferguson (BF). Tugas Akhir Program Sarjana Matematika, Fakultas Matematika dan Ilmu Pengetahuan Alam, Institut teknologi Bandung. 2. Mack, Th. (2006), Parameter Estimation for Bornhuetter/Ferguson. CAS Forum Fall 2006, 141-157. 3. Mack, Th. (2008), The Prediction Error of Bornhuetter/Ferguson. ASTIN Bulletin, 38(1), 87-103. 4. Schmidt, K.D. (2008), Bornhuetter-Ferguson as a General Principle of Loss Reserving. 5. Yohans. (2014), Perhitungan Cadangan Klaim PT. XYZ dengan Menggunakan Metode ChainLadder dan Bornhuetter-Ferguson.

88

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 89

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

90


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

91



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.

92


(sumber:Lampiran IV Surat Edaran OJK Nomor: SE-06/D.05/2013, tanggal 31 Desember 2013) 93


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

94


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)

95


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

96

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

97

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

98

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

99

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

100

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

101

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

102

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

103

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

104

w w w. m a i p a r k. c o m PT Reasuransi MAIPARK Indonesia

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