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INDONESIAN EARTHQUAKE INSURANCE STATISTIC

AS AT 30 JUNE 2014

PT REASURANSI MAIPARK INDONESIA

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

Dear Sir / Madam,

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

Kata Pengantar Foreword

Dr. Frans Y. Sahusilawane President Director

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Hal.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Tabel 3.1. Gross Premium Per Cresta Zone .. 16

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

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

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

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

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

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

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

Tabel 5.2. Klaim Frekwensi Per Cresta Zone . 27

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

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

Page

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

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

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

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

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

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

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

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

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

Indonesian Earthquake Insurance Exposure ......

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

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

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

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

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

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

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

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

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

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

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

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

Table 5.1. Claim Frequency By Occupation .. 25

Table 5.2. Claim Frequency By Cresta Zone .. 27

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

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

Daftar Isi Content

s

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

Underwriting Year 2010 - 2014,

Seluruh Okupasi ........................................... 33

Underwriting Year 2014, Seluruh Okupasi ... 34





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

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

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

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

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















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

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

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

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





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

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

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

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

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



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

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

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



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

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

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





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

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

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

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

Peta

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

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

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

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

Ulasan Aktuaria……………………………….………. 64

Lampiran

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

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

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

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

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

6. Tabel Cresta Zone dan Zona ………………..76

Referensi

1. Otoritas Jasa Keuangan (OJK).

2. Badan Pusat Statistik (BPS).

*) Laporan Statistik ini dapat diperoleh di website

PT Reasuransi MAIPARK Indonesia

www.maipark.com

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




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

Map

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

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

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

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

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

Attachments

1. Glossaries .............................................. 69

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

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

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

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

6. Cresta Zone and Zone Table…………………76

Reference

1. Financial Services Authority (OJK).

2. Central of Statistics Bureau (BPS).

*) Statistic Report is available on PT Reasuransi

MAIPARK Indonesia‘s Website

www.maipark.com

http://www.maipark.com/

http://www.maipark.com/

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

1. Statistic Report is based on Underwriting

Year basis, which is recorded as at 30 June 2014.

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.

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.

Informasi Statistik Statistic Information

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Untuk Underwriting Year 2013.

2.1.2 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.

2.1.3 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

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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.

2.2 Yang dimaksud dengan setiap risiko

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

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.

2.4 Untuk risiko yang ditutup secara ko-asuransi, 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.

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 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 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 For risks which are covered by co-

insurance, the maximum cession from all members of coinsurance is stipulated in point 2.1 above. Each ceding company cedes proportionally depending on its co-insurance share.

If there are policies other than co-insurance 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.

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3. Tarif Premi Asuransi Gempa Bumi Indonesia 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. Obyek Pertanggungan

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

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

4.2 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.

3. Indonesian Standard Earthquake Premium Tariff 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).

4. Insured Object

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

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

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5. Pelaporan Bordero Pelaporan bordero dilakukan setiap

bulannya untuk semua risiko yang ditutup pada bulan yang bersangkutan dan sudah harus diterima selambat-lambatnya pada akhir bulan berikutnya

5. 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.

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A. Umum

Berdasarkan data Badan Pusat Statistik,

Perekonomian Indonesia pada triwulan II-2014

sebagaimana diukur dari Produk Domestik

Bruto (PDB), tumbuh sebesar 2,47%

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

Produk Domestik Bruto (PDB) Indonesia atas

dasar harga konstan 2000 pada triwulan II-2014

mencapai Rp. 724,1 triliun sedangkan pada

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

dilihat berdasarkan harga berlaku, PDB triwulan

II-2014 adalah sebesar Rp. 2.480,8 triliun

sedangkan triwulan I-2014 adalah Rp. 2.404,0

triliun.

B. Struktur Pasar

Berdasarkan data Otoritas Jasa Keuangan

pada buku Direktori Perasuransian Indonesia

2013: Industri Keuangan NonBank

Perasuransian, terdapat 82 perusahaan

asuransi umum yang memiliki izin beroperasi di

Indonesia.

C. Premi Bruto

Sampai dengan 30 Juni 2014, premi bruto

asuransi gempa bumi Underwriting Year 2010

adalah sebesar Rp. 2.117,0 miliar. Premi bruto

untuk Underwriting Year 2011 tercatat

A. General

Based on Central of Statistics Bureau Data,

Indonesian economic in second quarter 2014 as

measured by Gross Domestic Product (GDP)

increased by 2.47 % compared with first quarter

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

based on Constant Price 2000 in second quarter

2014 reached the amount of Rp. 724.1 trillion

while in first quarter 2014 was Rp. 706.7 trillion.

If it is based on Current Market Price, GDP in

second quarter 2014 was Rp. 2,480.8 trillion

while in first quarter 2014 was Rp. 2,404.0

trillion.

B. Market Structure

Based on Financial Services Authority data

in the book of Indonesian Insurance Directory

2013: NonBank Financial Institution Insurance,

there are 82 general insurers having operating

licenses in Indonesia.

C. Gross Premium

As at 30 June 2014, earthquake gross

premium for Underwriting Year 2010 was Rp.

2,117.0 billion. Gross premium for Underwriting

Year 2011 was recorded

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

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Rp. 2.814,5 miliar, sedangkan untuk

Underwriting Year 2012 adalah Rp. 2.642,1

miliar. Untuk Underwriting Year 2013 dan 2014

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

Angka – angka ini akan terus bergerak naik

terutama untuk Underwriting Year 2013 dan

2014.

Tabel 1.1 di bawah ini menyajikan rincian

premi bruto berdasarkan jenis okupasi dari

Underwriting Year 2010 hingga Underwriting

Year 2014. Prosentase okupasi Industrial selalu

berada pada posisi pendapatan tertinggi

dibanding 3 (tiga) okupasi lainnya (Agrikultural,

Komersial, Residensial), yaitu di atas 52% dari

total premi.

Meskipun okupasi Komersial, Residensial

dan Agrikultural tidak memberikan kontribusi

premi sebesar okupasi Industrial, namun ketiga

okupasi tersebut memperlihatkan pertumbuhan

premi yang cukup signifikan. Hal ini terlihat

terutama pada premi okupasi Komersial pada

Underwriting Year 2011 yang meningkat

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

Underwriting Year 2010 menjadi Rp. 751.510,36

juta.

Rp. 2,814.5 billion, while for Underwriting Year

2012 was Rp. 2,642.1 billion. For Underwriting

Year 2013 and 2014 were Rp. 3,668.1 billion

and Rp. 516.4 billion. These figures would

certainly increase especially for Underwriting

Year 2013 and 2014.

The table 1.1 below shows the details of

gross premium based on occupation from

Underwriting Year 2010 to Underwriting Year

2014. Industrial occupation always has the

biggest percentage income compared to 3

(three) remaining occupations (Agricultural,

Commercial, Residential), that is above 52%

from premium total.

Although occupation of Commercial,

Residential and Agricultural do not contribute

premium as much as Industrial occupation,

those three occupation show significant

premium growth. In this case, the premium

under Commercial occupation in Underwriting

Year 2011 increased by 72.81% from Rp.

434,867.35 million in Underwriting Year 2010 to

Rp. 751,510.36 million.

Dalam Jutaan Rupiah

In Million Rupiah

2010 20,834.91 0.98% 434,867.35 20.54% 1,298,239.11 61.32% 363,102.65 17.15% 2,117,044.01

2011 23,897.32 0.85% 751,510.36 26.70% 1,696,606.14 60.28% 342,435.36 12.17% 2,814,449.18

2012 29,417.83 1.11% 640,941.40 24.26% 1,626,955.35 61.58% 344,745.14 13.05% 2,642,059.72

2013 30,249.21 0.82% 1,299,163.03 35.42% 1,936,516.72 52.79% 402,150.84 10.96% 3,668,079.80

2014 5,076.33 0.98% 139,781.96 27.07% 280,452.09 54.31% 91,091.67 17.64% 516,402.03

T O T A L 109,475.60 3,266,264.10 6,838,769.40 1,543,525.66 11,758,034.75

Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2014

Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2014

Agrikultural / Agricultural

Okupasi

TotalUnderwriting

Year Komersial / Commercial Industri / Industrial Residensial / Residential

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D. Jumlah Risiko

Tabel 1.2 di bawah ini menyajikan jumlah

risiko pada Underwriting Year 2010 hingga

Underwriting Year 2014 yang tercatat sampai

dengan 30 Juni 2014.

D. Number of Risks

Table 1.2 below shows the number of risks

from Underwriting Year 2010 to Underwriting

Year 2014 recorded until 30 June 2014.

Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2014

Table 1.2 Number of Risk By Occupation as at 30 June 2014

Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total %

Agricultural / Agricultural A 441 0.27 379 0.23 420 0.24 437 0.25 71 0.23

Komersial / Commercial C 83,090 50.49 91,401 55.09 94,290 54.80 94,194 52.91 12,988 41.59

Industrial / Industrial I 13,867 8.43 14,995 9.04 16,282 9.46 17,166 9.64 2,373 7.60

Residensial / Residential R 67,168 40.82 59,127 35.64 61,077 35.50 66,245 37.21 15,796 50.58

164,566 100.00 165,902 100.00 172,069 100.00 178,042 100.00 31,228 100.00

U/Y 2013 U/Y 2014

Occupation

Jumlah / Total

Okupasi U/Y 2010 U/Y 2011 U/Y 2012

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

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Jumlah risiko terbesar untuk setiap

Underwriting Year, dalam hal ini dari

Underwriting Year 2010 sampai dengan

Underwriting Year 2014 ada pada okupasi

Komersial, yaitu selalu berada pada rasio di atas

41% dari total risiko. Kemudian diikuti oleh

okupasi Residensial dengan rasio di atas 35%.

Jika terdapat asosiasi antara kontribusi

premi dengan banyaknya risiko maka belum

tentu asosiasi tersebut berbentuk linear dan

positif. Hal ini dibuktikan dengan apabila melihat

dari premi bruto tertinggi berada di okupasi

industrial sedangkan banyak risiko tertinggi

berada pada okupasi komersial.

E. Incurred Claim

Berdasarkan tabel 1.3 di bawah ini frekuensi

klaim gempa bumi paling banyak terjadi di

Underwriting Year 2011 yaitu sebanyak 94 klaim

dan didominasi okupasi Komersial sebanyak 67

klaim. Hal ini disebabkan oleh kejadian gempa

bumi di 2011 yaitu Gempa Bumi Nusa Dua pada

tanggal 13 Oktober 2011 dengan kekuatan 6,8

S.R dan Gempa Bumi Sibolga pada tanggal 6

November 2011 dengan kekuatan 6,7 S.R.

The highest number of risks for each

Underwriting Year, in this case from

Underwriting Year 2010 to Underwriting Year

2014, is under Commercial occupation, which is

always on the ratio above 41% from the total

risk. Then, it is followed by Residential

occupation with ratio above 35%.

If there is any association between the

premium contribution and the number of risks

then the association is not necessarily linear nor

positive. This is proved which the highest gross

premium is on the industrial occupation while the

highest total risk is under commercial

occupation.

E. Incurred Claim

Based on table 1.3 below, the highest

earthquake claim frequency occurred in

underwriting year 2011 was 94 claims and it

dominated by Commercial occupation of 67

claims. It was caused by Earthquakes in 2011

namely Nusa Dua Earthquake on 13 October

2011 with a magnitude of 6.8 S.R and Sibolga

Earthquake on 6 November 2011 with a

magnitude of 6.7 S.R.

5

Berdasarkan Tabel 1.4 dan grafik di bawah

ini terlihat bahwa untuk frekwensi klaim tinggi

berada pada Total Incurred Claim yang relative

kecil, sedangkan untuk frekwensi klaim kecil

berada pada Total Incurred Claim yang relative

besar.

Based on table 1.4 and graph below it can

be seen that the high frequency claims lies in

relatively small Total Claim Incurred, while low

frequency claims lies in relatively big Total Claim

Incurred.

2010 2011 2012 2013 2014

Agrikultural / Agricultural A 0 0 0 0 0

Komersial / Commercial C 43 67 14 23 1

Industrial / Industrial I 1 0 0 4 0

Residensial / Residential R 9 27 1 5 0

53 94 15 32 1

Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2014

Table 1.3 Claim Frequency By Occupation as at 30 June 2014

Occupation

Jumlah / Total

Underwriting YearOkupasi

*) Dalam Rupiah

*) In Rupiah

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

Frequency Total Claim Incurred Average Claim Incurred Highest Claim Incurred Lowest Claim Incurred

0 - 50 16 411,809,547 25,738,097 50,000,000 3,997,822

50 - 100 2 200,000,000 100,000,000 100,000,000 100,000,000

100 - 200 1 150,000,000 150,000,000 150,000,000 150,000,000

200 - 300 3 850,000,000 283,333,333 300,000,000 250,000,000

300 - 500 0 0 0 0 0

500 - 750 1 580,550,000 580,550,000 580,550,000 580,550,000

750 - 1,000 0 0 0 0 0

1,000 - 1,500 4 4,973,575,000 1,243,393,750 1,451,375,000 1,161,100,000

1,500 - 2,000 1 1,600,000,000 1,600,000,000 1,600,000,000 1,600,000,000

2,000 - 2,500 0 0 0 0 0

2,500 - 3,000 0 0 0 0 0

3,000 - 4,000 0 0 0 0 0

4,000 - 5,000 1 4,296,070,000 4,296,070,000 4,296,070,000 4,296,070,000

5,000 - 7,500 0 0 0 0 0

7,500 - 10,000 1 8,000,000,000 8,000,000,000 8,000,000,000 8,000,000,000

10,000 - 20,000 0 0 0 0 0

20,000 - 50,000 1 34,833,000,000 34,833,000,000 34,833,000,000 34,833,000,000

50,000 - 100,000 0 0 0 0 0

100,000 - 500,000 1 242,000,000,000 242,000,000,000 242,000,000,000 242,000,000,000

500,000 - up 0 0 0 0 0

32 297,895,004,547

Claim Incurred (BAND)*)

Incurred Claim (BAND) *)

Total

Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 2013 Per 30 Juni 2014

Table 1.4 Frequency Incurred Claim Underwriting Year 2013 as at 30 June 2014

6

Dengan melihat tabel 1.5 tampak bahwa

jumlah klaim terbesar berada pada Underwriting

Year 2013. Klaim yang terbesar adalah pada

okupasi Komersial, yaitu 98,90% dari total klaim

di Underwriting Year 2013 atau sebesar Rp.

294,6 miliar.

Tabel 1.6 di bawah ini menyajikan kejadian

Gempa Bumi Tahun 2014 dan Incurred Claim

sampai dengan 30 Juni 2014.

Looking at table 1.5 below, it shows that the

largest claim is in the Underwriting Year 2013.

The largest claim is under Commercial

occupation that is 98.90% of the total claim in

Underwriting Year 2013 or Rp. 294.6 billion.

Table 1.6 below shows earthquake events

occurred in 2014 and the corresponding

incurred claims as at 30 June 2014.

Table 1.5 Claim Amount By Occupation as at 30 June 2014

Dalam Rupiah

In Rupiah

2010 2011 2012

Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount %

Agrikultural / Agricultural A 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Komersial / Commercial C 42,467,094,914.28 97.40 15,983,627,307.09 97.66 1,670,541,980.54 97.09 294,622,986,325.04 98.90 104,499,000.00 0.00

Industrial / Industrial I 760,224,542.70 1.74 0.00 0.00 0.00 0.00 3,188,073,400.00 1.07 0.00 0.00

Residensial / Residential R 371,785,430.40 0.85 383,658,539.04 2.34 50,000,000.00 2.91 83,944,822.00 0.03 0.00 0.00

43,599,104,887.38 100.00 16,367,285,846.13 100.00 1,720,541,980.54 100.00 297,895,004,547.04 100.00 104,499,000.00 0.00

Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2014

2013Okupasi

Occupation

2014

Jumlah / Total

Underwriting Year

7

Tabel 1.7 di bawah ini menyajikan klaim

untuk event Cilacap, Palu, Lombok Utara, Kuta

dan Yogya perjenis okupasi.

Tabel di bawah ini adalah daftar klaim

terbesar sampai dengan tanggal 30 Juni 2014.

Table 1.7 shows Cilacap, Palu, Lombok

Utara, Kuta and Yogya events by occupation.

The table below is a list of the largest claims

as at 30 June 2014.

Tabel 1.7 Kejadian Gempa Bumi Tahun 2014 dan Klaim per Okupasi per 30 Juni 2014

Table 1.7 Earthquake Event in 2014 and Claim per Occupation as at 30 June 2014

Event Date of Loss

Agrikultural / Komersial / Industrial / Residensial /

Agricultural Commercial Industrial Residential

Cilacap 25-Jan-14 0 0 1 0 0.00 0.00 36,698,400.00 0.00

Palu 23-Feb-14 0 1 0 0 0.00 50,000,000.00 0.00 0.00

Lombok Utara 06-Mar-14 0 0 0 1 0.00 0.00 0.00 35,000,000.00

Kuta 09-Mar-14 0 1 0 0 0.00 104,499,000.00 0.00 0.00

Yogya 02-Apr-14 0 0 0 1 0.00 0.00 0.00 10,000,000.00

Residensial /

Residential

Agrikultural /

Agricultural

Komersial /

Commercial

Industrial /

Industrial

Kejadian Tanggal Kejadian

Okupasi

Occupation

Frekwensi

Frequency

Jumlah (Dalam Rupiah)

Amount (In Rupiah)

Dalam Rupiah

In Rupiah

No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim

Event Date of Loss Magnitude (S.R) Claim

1 ACEH 26-12-2004 9 812,531,992,962.94

2 YOGYA 27-05-2006 5.9 261,067,865,988.43

3 PADANG 06-03-2007 5.8 33,482,652,620.21

4 BENGKULU 12-09-2007 7.9 52,757,464,875.50

5 PADANG 16-08-2009 6.9 42,969,561,630.00

6 TASIKMALAYA 02-09-2009 7.3 24,411,146,816.57

7 PARIAMAN 30-09-2009 7.6 1,082,789,656,414.36

8 BIMA 09-11-2009 6.7 36,740,765,185.48

9 MERAPI 25-10-2010 - *) 27,532,644,656.40

10 KELUD 13-02-2014 - *) 75,355,862,685.16

*) Penyebab terkait letusan gunung berapi

Caused by volcanic eruption

Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2014

List of The Largest Claims as at 30 June 2014

Tabel 1.6 Kejadian Gempa Bumi Tahun 2014 dan Klaim per 30 Juni 2014

Table 1.6 Earthquake Event in 2014 and Claim as at 30 June 2014

Dalam Rupiah

In Rupiah

Kejadian Tanggal Kejadian Kekuatan Gempa (S.R)

Event Date of Loss Magnitude (S.R)

Cilacap 25-Jan-14 6.5 36,698,400.00

Palu 23-Feb-14 5.3 50,000,000.00

Lombok Utara 6-Mar-14 5.3 35,000,000.00

Kuta 9-Mar-14 4.4 104,499,000.00

Yogya 2-Apr-14 4.2 10,000,000.00

Klaim

Claim

8

Tabel 1.8 menyajikan data jumlah polis dan

loss ratio per 30 Juni 2014. Tabel tersebut

menunjukkan bahwa loss ratio tertinggi berada

pada Underwriting Year 2013 sebesar 8,12%.

Hal ini dipengaruhi oleh nilai klaim yang cukup

tinggi yang mayoritas disebabkan dari Erupsi

Gunung Kelud tahun 2014.

Tabel 1.9 menyajikan Premi dan Exposure

per 30 Juni 2014.

Table 1.8 shows number of policies, and

loss ratio as at 30 June 2014. The table show

that the biggest loss ratio was at Underwriting

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

amount of claim that majority resulting from

Kelud Eruption in 2014.

Table 1.9 shows Premium and Exposure as

at 30 June 2014.

Tabel 1.8 Jumlah Polis dan Loss Ratio per 30 Juni 2014

Table 1.8 Number of Policies and Loss Ratio as at 30 June 2014

Underwriting Jumlah Polis Premi *) Frekwensi Klaim Jumlah Klaim *)

Year Number of Policies Premium *) Claim Frequency Incurred Claim *)

2010 164,566 2,117,044,012,810.82 53 43,599,104,887.38 2.06%

2011 165,902 2,814,449,181,708.95 94 16,367,285,846.13 0.58%

2012 172,069 2,642,059,720,893.20 15 1,720,541,980.54 0.07%

2013 178,042 3,668,079,803,888.25 32 297,895,004,547.04 8.12%

2014 31,228 516,402,034,085.37 1 104,499,000.00 0.02%

Loss Ratio

Dalam Jutaan Rupiah

In Million Rupiah

Premi Exposure

Premium Exposure

2010 2,117,044.01 1,671,822,278.51

2011 2,814,449.18 2,149,612,107.32

2012 2,642,059.72 1,933,305,915.05

2013 3,668,079.80 2,257,649,447.10

2014 516,402.03 334,095,139.79

T O T A L 11,758,034.75 8,346,484,887.76

Tabel 1.9 Premi dan Exposure per 30 Juni 2014

Table 1.9 Premium and Exposure as at 30 June 2014

Underwriting Year

10

82,025.36 171,483.37

1,056,923.07

117,237.82

276,077.48

100,835.89

64,977.14

63,745.78

94,296.70

173,150.53

1,166,017.11

146,947.15

225,317.26

89,826.18

48,002.38

314,092.14

11,700.69

23,885.77

206,542.22

31,744.09

28,015.05

10,760.73

5,220.57

16,226.02

National Aggregate Exposure By Cresta ZoneAs at 30 June 2014

(In Billion IDR)

109,507.36

136,908.19

912,760.85

78,767.01

246,339.59

78,288.01

59,741.08

49,510.18

149,629.40

153,581.43

1,076,527.81

133,587.55

388,001.76

122,855.10

70,089.36

55,339.71 UY 2010

UY 2011

UY 2012

UY 2013 UY 2014

11

Amount % Amount % Amount % Amount % Amount %

AGRICULTURAL A 17,597,981,439,651.60 1.05 20,170,306,793,199.60 0.94 23,542,660,772,030.10 1.22 22,588,615,880,250.30 1.00 3,640,675,405,383.70 1.09

COMMERCIAL C 314,285,201,730,157.00 18.80 538,804,317,165,311.00 25.07 449,953,181,486,063.00 23.27 715,120,198,911,239.00 31.68 90,090,368,953,183.00 26.97

INDUSTRIAL I 1,067,486,693,222,900.00 63.85 1,358,133,871,343,410.00 63.18 1,230,494,001,647,220.00 63.65 1,258,608,763,318,360.00 55.75 179,722,946,527,158.00 53.79

RESIDENTIAL R 272,452,402,117,589.00 16.30 232,503,612,013,752.00 10.82 229,316,071,142,404.00 11.86 261,331,868,987,842.00 11.58 60,641,148,907,762.00 18.15

1,671,822,278,510,300.00 100.00 2,149,612,107,315,680.00 100.00 1,933,305,915,047,720.00 100.00 2,257,649,447,097,690.00 100.00 334,095,139,793,487.00 100.00T O T A L

U/Y 2012 U/Y 2013 U/Y 2014

in IDR

U/Y 2010 U/Y 2011

Table 2.2

Occupation

As At 30/06/2014

National Aggregate Exposure By Occupation

12

( In Billion IDR )

Agricultural, 23,542.66

Commercial, 449,953.18

Industrial, 1,230,494.00

Residential, 229,316.07







Industrial, 179,722.95


National Aggregate Exposure By OccupationAs at 30 June 2014









UY 2010

UY 2011

UY 2012

UY 2013UY 2014

13

Table 2.3


Building 766,323,031,478,762.00 45.84 958,952,320,517,249.00 44.61 813,597,060,964,444.00 42.08 875,654,711,894,177.00 38.79 137,806,242,820,760.00 41.25

Machinery 374,247,720,350,657.00 22.39 431,910,647,264,879.00 20.09 386,829,714,970,512.00 20.01 419,204,437,799,247.00 18.57 81,420,857,544,051.40 24.37

Others 183,196,390,863,109.00 10.96 253,960,014,233,086.00 11.81 267,993,289,264,982.00 13.86 249,970,526,086,436.00 11.07 36,724,727,949,484.30 10.99

Stock 217,202,240,939,453.00 12.99 284,736,399,680,773.00 13.25 282,414,612,321,442.00 14.61 301,818,539,667,059.00 13.37 39,922,680,892,512.00 11.95

Bussiness Interruption 130,852,894,878,316.00 7.83 220,052,725,619,690.00 10.24 182,471,237,526,342.00 9.44 411,001,231,650,772.00 18.20 38,220,630,586,679.30 11.44

T O T A L 1,671,822,278,510,300.00 100.00 2,149,612,107,315,680.00 100.00 1,933,305,915,047,720.00 100.00 2,257,649,447,097,690.00 100.00 334,095,139,793,487.00 100.00

National Aggregate Exposure By Interest

In IDR

InterestU/Y 2014U/Y 2012 U/Y 2013

As At 30/06/2014

U/Y 2010 U/Y 2011

15

Table 2.4

In IDR


01. NAD 46,014,656,466,409.00 2.75 61,526,298,867,310.90 2.86 8,219,191,535,830.92 0.43 8,657,894,667,394.81 0.38 388,461,776,087.00 0.12

02. SUMATERA UTARA 63,492,704,289,425.90 3.80 88,103,099,105,864.50 4.10 73,806,170,362,320.50 3.82 85,638,801,017,781.40 3.79 11,312,230,870,002.30 3.39

03. SUMATERA BARAT 22,408,712,992,181.50 1.34 23,105,952,213,792.50 1.07 26,363,203,666,357.40 1.36 25,565,290,908,149.50 1.13 3,282,129,569,683.01 0.98

04. RIAU 32,775,423,381,286.80 1.96 34,791,909,269,754.20 1.62 33,062,861,223,310.40 1.71 39,344,180,940,997.50 1.74 3,900,494,723,556.70 1.17

05. JAMBI 5,229,365,051,921.28 0.31 8,124,393,638,051.55 0.38 10,586,717,823,055.30 0.55 11,572,987,881,086.00 0.51 843,443,179,494.66 0.25

06. SUMATERA SELATAN 37,906,109,822,304.80 2.27 30,246,743,077,797.60 1.41 40,443,792,678,176.50 2.09 37,383,888,221,654.20 1.66 4,105,864,569,772.88 1.23

07. BENGKULU 3,089,385,866,017.82 0.18 4,060,846,922,435.66 0.19 4,425,982,619,602.10 0.23 4,683,955,568,334.02 0.21 554,917,045,297.44 0.17

08. LAMPUNG 16,664,884,556,586.80 1.00 27,537,241,664,501.00 1.28 27,922,645,241,676.80 1.44 24,815,745,423,351.00 1.10 4,642,425,837,349.00 1.39

09. KEP BANGKA-BELITUNG 3,336,058,201,436.26 0.20 3,041,959,885,166.98 0.14 3,766,494,350,619.56 0.19 4,323,717,622,534.58 0.19 519,246,489,535.00 0.16

10. KEPULAUAN RIAU 15,498,254,822,537.40 0.93 22,672,378,996,463.70 1.05 24,911,675,328,181.00 1.29 25,460,767,645,941.30 1.13 6,037,245,191,083.66 1.81

11. JAKARTA 304,756,716,572,425.00 18.23 464,729,545,545,751.00 21.62 398,433,156,994,847.00 20.61 411,273,012,619,130.00 18.22 88,795,034,701,311.70 26.58

12. JAWA BARAT 395,957,149,459,645.00 23.68 400,831,045,348,688.00 18.65 443,646,335,086,515.00 22.95 484,858,802,315,439.00 21.48 89,483,696,763,088.50 26.78

13. JAWA TENGAH 68,286,066,186,836.40 4.08 121,732,458,384,954.00 5.66 105,788,881,561,521.00 5.47 135,896,067,870,056.00 6.02 30,158,982,685,472.20 9.03

14. DIY 10,480,946,388,166.00 0.63 11,855,086,649,440.00 0.55 11,448,943,382,857.50 0.59 11,051,081,303,511.10 0.49 1,585,108,954,719.28 0.47

15. JAWA TIMUR 246,339,591,641,754.00 14.73 388,001,761,834,246.00 18.05 276,077,481,416,394.00 14.28 225,317,259,410,943.00 9.98 28,015,054,145,031.00 8.39

16. BANTEN 212,046,981,005,415.00 12.68 210,967,223,342,734.00 9.81 214,843,575,998,148.00 11.11 269,885,296,028,156.00 11.95 28,263,484,664,314.80 8.46

17. BALI 39,388,712,490,115.70 2.36 43,316,415,011,336.20 2.02 50,010,055,282,199.80 2.59 300,227,427,739,942.00 13.30 13,349,128,347,537.10 4.00

18. NUSA TENGGARA BARAT 2,915,151,771,130.72 0.17 3,077,047,054,149.34 0.14 3,813,414,732,349.74 0.20 4,285,337,143,641.03 0.19 648,129,115,473.82 0.19

19. NUSA TENGGARA TIMUR 862,786,991,135.17 0.05 1,617,483,032,767.29 0.08 2,088,622,521,224.96 0.11 1,618,804,194,625.98 0.07 320,124,799,529.00 0.10

20. KALIMANTAN BARAT 4,184,375,704,375.67 0.25 6,929,074,391,744.74 0.32 6,065,948,015,497.96 0.31 6,763,187,719,518.86 0.30 2,448,711,148,795.00 0.73

21. KALIMANTAN TENGAH 11,726,628,849,876.80 0.70 12,228,074,133,229.00 0.57 11,765,790,853,477.80 0.61 15,151,288,957,510.70 0.67 350,935,911,751.00 0.11

22. KALIMANTAN SELATAN 14,511,411,705,943.40 0.87 28,152,720,447,496.90 1.31 14,512,702,524,618.20 0.75 22,680,655,770,796.40 1.00 889,884,168,596.35 0.27

23. KALIMANTAN TIMUR 47,865,592,184,896.00 2.86 75,545,227,879,790.50 3.51 68,491,445,984,180.50 3.54 45,231,043,535,971.80 2.00 7,071,196,633,625.18 2.12

24. SULAWESI UTARA 8,853,717,870,986.23 0.53 20,477,589,638,098.30 0.95 11,198,321,917,073.00 0.58 13,830,552,500,509.60 0.61 1,063,784,018,807.44 0.32

25. SULAWESI TENGAH 1,344,987,489,172.88 0.08 2,234,731,075,451.70 0.10 2,107,382,104,725.89 0.11 3,804,080,216,610.84 0.17 1,136,668,617,694.00 0.34

26. SULAWESI SELATAN 16,691,786,994,777.90 1.00 24,508,761,077,872.60 1.14 26,785,161,368,098.00 1.39 25,828,151,433,575.30 1.14 2,338,086,113,612.16 0.70

27. SULAWESI TENGGARA 18,974,413,466,606.60 1.13 9,114,059,975,615.48 0.42 9,617,896,396,134.42 0.50 1,379,121,680,431.13 0.06 348,917,474,481.00 0.10

28. GORONTALO 12,013,778,366,240.30 0.72 12,801,202,449,629.60 0.60 14,148,963,626,765.70 0.73 1,884,122,579,624.28 0.08 102,720,216,573.56 0.03

29. SULAWESI BARAT 1,862,398,413,709.09 0.11 953,016,177,663.56 0.04 1,119,410,365,004.47 0.06 1,276,355,221,056.22 0.06 230,397,172,355.00 0.07

30. MALUKU 959,192,107,230.57 0.06 1,012,162,473,294.66 0.05 1,288,360,897,793.45 0.07 1,524,424,062,133.85 0.07 458,689,348,192.78 0.14

31. MALUKU UTARA 431,793,359,211.90 0.03 599,254,266,006.82 0.03 750,191,487,535.22 0.04 523,207,755,002.43 0.02 52,837,009,316.00 0.02

32. PAPUA BARAT 1,739,199,010,115.30 0.10 2,191,055,888,141.29 0.10 2,224,546,806,875.95 0.12 2,460,298,033,072.42 0.11 193,744,409,850.75 0.06

33. PAPUA 3,213,345,030,423.17 0.19 3,526,287,596,439.34 0.16 3,570,590,894,753.55 0.18 3,452,639,109,210.77 0.15 1,203,364,121,497.66 0.36

T O T A L 1,671,822,278,510,300.00 100.00 2,149,612,107,315,680.00 100.00 1,933,305,915,047,720.00 100.00 2,257,649,447,097,690.00 100.00 334,095,139,793,487.00 100.00

ProvinceU/Y 2010 U/Y 2011 U/Y 2012 U/Y 2014

National Aggregate Exposure By Province

As At 30/06/2014

U/Y 2013

16

Table 3.1 in IDR

U/Y 2010 U/Y 2011 U/Y 2012


BANDA ACEH 1.1 6,051,202,306.20 0.29 7,255,283,677.40 0.26 7,217,130,639.61 0.27 8,064,414,983.79 0.22 128,123,880.40 0.02

MEDAN 1.2 47,667,398,482.72 2.25 54,387,933,253.55 1.93 48,758,683,489.33 1.85 62,475,890,001.05 1.70 10,185,619,213.58 1.97

OTHERS 1.3 84,301,175,986.81 3.98 132,337,111,203.50 4.70 50,987,310,123.12 1.93 67,759,734,133.78 1.85 5,774,619,366.74 1.12

NORTH SUMATERA 1 138,019,776,775.73 6.52 193,980,328,134.45 6.89 106,963,124,252.06 4.05 138,300,039,118.62 3.77 16,088,362,460.72 3.12

PADANG 2.1 32,778,827,007.39 1.55 29,733,272,807.48 1.06 34,733,032,230.79 1.31 33,533,118,380.03 0.91 4,780,388,125.64 0.93

PALEMBANG 2.2 19,390,704,938.80 0.92 14,169,847,116.46 0.50 17,791,272,888.51 0.67 22,764,550,588.40 0.62 1,255,104,876.62 0.24

OTHERS 2.3 108,788,904,846.87 5.14 136,324,650,645.14 4.84 155,081,262,840.26 5.87 172,314,773,732.44 4.70 25,785,468,556.50 4.99

SOUTH SUMATERA 2 160,958,436,793.06 7.60 180,227,770,569.08 6.40 207,605,567,959.56 7.86 228,612,442,700.87 6.23 31,820,961,558.76 6.16

JAKARTA 3.1 433,818,985,672.09 20.49 670,156,787,867.45 23.81 596,985,432,606.53 22.60 664,806,669,534.37 18.12 144,706,234,079.80 28.02

BANDUNG 3.2 8,241,042,107.75 0.39 9,916,805,917.11 0.35 16,352,973,918.24 0.62 14,225,832,253.14 0.39 1,632,818,716.39 0.32

OTHERS 3.3 778,934,960,280.93 36.79 833,355,355,391.74 29.61 939,454,125,683.71 35.56 1,245,084,318,664.98 33.94 192,374,641,490.25 37.25

WEST JAVA 3 1,220,994,988,060.77 57.67 1,513,428,949,176.30 53.77 1,552,792,532,208.48 58.77 1,924,116,820,452.49 52.46 338,713,694,286.44 65.59

SEMARANG 4.1 11,636,480,141.95 0.55 7,986,696,304.55 0.28 8,676,772,272.95 0.33 8,639,208,618.40 0.24 432,553,916.36 0.08

YOGYAKARTA 4.2 13,009,093,100.49 0.61 15,336,936,026.90 0.54 14,048,280,739.43 0.53 12,818,006,312.11 0.35 1,865,666,132.72 0.36

OTHERS 4.3 71,914,369,548.34 3.40 146,331,935,568.04 5.20 125,982,703,079.71 4.77 179,996,766,871.00 4.91 42,728,582,387.61 8.27

CENTRAL JAVA 4 96,559,942,790.78 4.56 169,655,567,899.49 6.03 148,707,756,092.09 5.63 201,453,981,801.51 5.49 45,026,802,436.69 8.72

SURABAYA 5.1 111,164,896,190.21 5.25 110,714,413,945.02 3.93 64,214,285,845.06 2.43 47,970,222,630.99 1.31 15,738,607,398.87 3.05

OTHERS 5.2 175,299,933,945.79 8.28 360,650,643,884.43 12.81 279,128,826,802.61 10.56 263,539,900,580.43 7.18 23,945,737,536.38 4.64

EAST JAVA 5 286,464,830,136.00 13.53 471,365,057,829.45 16.75 343,343,112,647.67 13.00 311,510,123,211.42 8.49 39,684,344,935.25 7.68

KALIMANTAN 6 68,410,654,079.24 3.23 103,407,876,118.94 3.67 93,213,381,606.30 3.53 92,158,298,045.49 2.51 11,080,980,035.08 2.15

UJUNG PANDANG 7.1 8,854,097,129.22 0.42 9,478,899,975.48 0.34 10,183,304,334.64 0.39 12,861,527,180.42 0.35 1,473,466,332.51 0.29

OTHERS 7.2 67,392,876,480.87 3.18 93,697,205,587.52 3.33 83,490,696,200.03 3.16 55,247,203,199.89 1.51 5,942,846,320.09 1.15

SULAWESI 7 76,246,973,610.09 3.60 103,176,105,563.00 3.67 93,674,000,534.67 3.55 68,108,730,380.31 1.86 7,416,312,652.60 1.44

OTHER ISLANDS 8 69,388,410,565.18 3.28 79,207,526,418.25 2.81 95,760,245,592.37 3.62 703,819,368,177.51 19.19 26,570,575,719.83 5.15

2,117,044,012,810.85 100.00 2,814,449,181,708.96 100.00 2,642,059,720,893.20 100.00 3,668,079,803,888.22 100.00 516,402,034,085.37 100.00

U/Y 2014

As At 30/06/2014

National Gross Premium By Cresta Zone

T O T A L

U/Y 2013Cresta Zone

17

(in Billion IDR)

North Sumatera

South Sumatera

West Java

Central Java

East Java

Kalimantan

Sulawesi

Other Islands

106.96

207.61

1,552.79

148.71

343.34

93.21

93.67

95.76

138.30

228.61

1,924.12

201.45 311.51

92.1668.11

703.82

16.0931.82

338.71

45.03

39.68

11.087.42

26.57

National Gross Premium By Cresta ZoneAs at 30 June 2014

138.02

160.96

1,220.99

96.56

286.46

68.41

76.25

69.39

193.98

180.23

1,513.43

169.66

471.37

103.41

103.18

79.21

UY 2011

UY 2012

UY 2013UY 2014

UY 2010

18

U/Y 2010 U/Y 2011 U/Y 2012


AGRICULTURAL A 20,834,909,822.51 0.98 23,897,315,368.61 0.85 29,417,831,652.86 1.11 30,249,212,517.71 0.82 5,076,326,140.77 0.98

COMMERCIAL C 434,867,351,208.41 20.54 751,510,364,396.51 26.70 640,941,397,773.90 24.26 1,299,163,032,627.68 35.42 139,781,955,596.12 27.07

INDUSTRIAL I 1,298,239,105,055.78 61.32 1,696,606,138,601.41 60.28 1,626,955,347,705.78 61.58 1,936,516,719,804.33 52.79 280,452,087,197.89 54.31

RESIDENTIAL R 363,102,646,724.12 17.15 342,435,363,342.42 12.17 344,745,143,760.66 13.05 402,150,838,938.53 10.96 91,091,665,150.59 17.64

2,117,044,012,810.82 100.00 2,814,449,181,708.95 100.00 2,642,059,720,893.20 100.00 3,668,079,803,888.25 100.00 516,402,034,085.37 100.00

As At 30/06/2014

National Gross Premium By Occupation

T O T A L

U/Y 2013 U/Y 2014

in IDRTable 3.2

Occupation

19

( In Billion IDR )

Agricultural, 29.42

Commercial, 640.94


Residential, 344.75

Agricultural, 30.25



Residential, 402.15

Agricultural, 5.08

Commercial, 139.78

Industrial, 280.45

Residential, 91.09

2010

National Gross Premium By OccupationAs at 30 June 2014

Agricultural, 20.83

Commercial, 434.87


Residential, 363.10

UY 2010

Agricultural, 23.90

Commercial, 751.51


Residential, 342.44

UY 2013

UY 2014

UY 2012

UY 2011

20

Table 3.3

In IDR


01. NAD 61,933,427,650.03 2.93 87,272,745,480.81 3.10 12,295,732,445.63 0.47 15,420,253,774.21 0.42 649,622,123.33 0.13

02. SUMATERA UTARA 76,086,349,125.68 3.59 106,707,582,653.64 3.79 94,667,391,806.44 3.58 122,879,785,344.41 3.35 15,438,740,337.39 2.99

03. SUMATERA BARAT 39,338,010,826.10 1.86 40,336,271,706.22 1.43 47,260,451,586.55 1.79 48,328,752,523.86 1.32 5,956,366,084.54 1.15

04. RIAU 33,033,443,273.00 1.56 34,916,034,904.00 1.24 34,927,979,472.12 1.32 45,880,189,713.99 1.25 4,638,808,278.11 0.90

05. JAMBI 5,242,221,847.08 0.25 7,935,791,182.58 0.28 10,449,768,304.35 0.40 12,971,704,258.92 0.35 1,026,485,410.46 0.20

06. SUMATERA SELATAN 39,288,814,918.39 1.86 31,091,421,526.29 1.10 42,038,391,746.01 1.59 43,801,011,787.14 1.19 5,173,489,351.48 1.00

07. BENGKULU 5,473,651,423.87 0.26 7,256,467,935.58 0.26 8,232,110,415.26 0.31 9,386,039,325.78 0.26 1,059,294,410.01 0.21

08. LAMPUNG 22,692,710,088.11 1.07 37,252,857,897.14 1.32 39,388,990,320.73 1.49 37,919,309,381.96 1.03 7,261,463,890.94 1.41

09. KEP BANGKA-BELITUNG 2,953,443,103.05 0.14 2,654,439,798.01 0.09 3,392,003,981.33 0.13 4,214,582,215.40 0.11 475,922,603.63 0.09

10. KEPULAUAN RIAU 12,936,141,313.44 0.61 18,784,485,619.28 0.67 21,915,872,133.20 0.83 26,110,853,493.80 0.71 6,229,131,529.60 1.21

11. JAKARTA 433,818,985,672.09 20.49 670,156,787,867.45 23.81 596,985,432,606.53 22.60 664,806,669,534.37 18.12 144,706,234,079.80 28.02

12. JAWA BARAT 504,589,650,948.39 23.83 549,602,037,909.93 19.53 641,029,495,637.14 24.26 801,860,475,042.27 21.86 147,428,564,831.37 28.55

13. JAWA TENGAH 81,521,601,724.06 3.85 151,898,241,863.28 5.40 131,344,409,492.72 4.97 184,343,834,212.16 5.03 42,641,045,478.20 8.26

14. DIY 15,038,341,066.72 0.71 17,757,326,036.21 0.63 17,363,346,599.36 0.66 17,110,147,589.36 0.47 2,385,756,958.50 0.46

15. JAWA TIMUR 286,464,830,136.00 13.53 471,365,057,829.45 16.75 343,343,112,647.67 13.00 311,510,123,211.43 8.49 39,684,344,935.25 7.68

16. BANTEN 282,586,351,440.30 13.35 293,670,123,398.92 10.43 314,777,603,964.81 11.91 457,449,675,875.86 12.47 46,578,895,375.28 9.02

17. BALI 54,063,520,550.42 2.55 60,405,757,022.38 2.15 72,773,980,952.52 2.75 678,920,174,107.52 18.51 21,619,094,743.25 4.19

18. NUSA TENGGARA BARAT 4,440,906,653.30 0.21 5,152,954,498.64 0.18 7,045,338,897.22 0.27 8,399,398,925.34 0.23 1,105,098,625.50 0.21

19. NUSA TENGGARA TIMUR 1,281,077,691.84 0.06 2,433,951,389.85 0.09 3,205,403,389.16 0.12 2,613,523,370.14 0.07 590,230,525.24 0.11

20. KALIMANTAN BARAT 3,715,242,385.16 0.18 6,039,986,630.20 0.21 5,362,263,619.84 0.20 6,436,893,941.92 0.18 2,406,096,569.71 0.47

21. KALIMANTAN TENGAH 9,889,548,328.95 0.47 10,276,315,119.02 0.37 10,646,886,578.05 0.40 15,518,777,881.16 0.42 336,366,874.41 0.07

22. KALIMANTAN SELATAN 12,861,818,728.25 0.61 23,763,591,278.15 0.84 13,205,545,643.34 0.50 24,595,989,301.19 0.67 819,487,188.55 0.16

23. KALIMANTAN TIMUR 41,944,044,636.88 1.98 63,327,983,091.57 2.25 63,998,685,765.07 2.42 45,606,636,921.21 1.24 7,519,029,402.41 1.46

24. SULAWESI UTARA 14,782,310,726.53 0.70 37,731,185,839.11 1.34 21,021,635,891.72 0.80 27,822,846,895.56 0.76 2,088,172,730.85 0.40

25. SULAWESI TENGAH 2,004,618,104.55 0.09 3,453,159,420.21 0.12 3,317,966,182.30 0.13 6,119,245,420.71 0.17 1,935,025,842.18 0.37

26. SULAWESI SELATAN 17,313,977,134.63 0.82 24,633,832,826.30 0.88 27,812,288,977.05 1.05 26,605,330,544.12 0.73 2,386,254,638.34 0.46

27. SULAWESI TENGGARA 21,176,342,881.42 1.00 10,519,227,674.99 0.37 11,790,398,453.27 0.45 2,066,596,362.00 0.06 469,298,589.08 0.09

28. GORONTALO 18,303,748,895.48 0.86 25,432,169,625.48 0.90 28,055,203,586.03 1.06 3,582,547,453.03 0.10 192,108,676.96 0.04

29. SULAWESI BARAT 2,665,975,867.48 0.13 1,406,530,176.92 0.05 1,676,507,444.32 0.06 1,912,163,704.90 0.05 345,452,175.19 0.07

30. MALUKU 1,748,451,819.08 0.08 1,761,141,005.57 0.06 2,348,939,869.89 0.09 2,872,698,323.00 0.08 891,161,388.62 0.17

31. MALUKU UTARA 736,016,880.37 0.03 1,055,412,456.04 0.04 1,319,477,950.27 0.05 1,008,677,247.24 0.03 99,653,627.24 0.02

32. PAPUA BARAT 2,543,602,599.57 0.12 3,177,814,430.49 0.11 3,303,319,700.43 0.13 3,972,630,874.61 0.11 301,350,555.74 0.06

33. PAPUA 4,574,834,370.60 0.22 5,220,495,615.28 0.19 5,763,784,832.88 0.22 6,032,265,329.67 0.16 1,963,986,254.24 0.38

T O T A L 2,117,044,012,810.82 100.00 2,814,449,181,708.99 100.00 2,642,059,720,893.21 100.00 3,668,079,803,888.24 100.00 516,402,034,085.40 100.00

ProvinceU/Y 2010 U/Y 2011 U/Y 2012 U/Y 2014

National Gross Premium By Province

As At 30/06/2014

U/Y 2013

21

Table 4.1

U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014

BANDA ACEH 1.1 634 517 586 577 85

MEDAN 1.2 5,664 5,776 5,976 6,247 1,341

OTHERS 1.3 5,147 4,490 4,593 3,658 702

NORTH SUMATERA 1 11,445 10,783 11,155 10,482 2,128

PADANG 2.1 8,363 9,866 10,569 10,366 2,822

PALEMBANG 2.2 1,613 1,440 1,514 1,744 240

OTHERS 2.3 17,028 16,559 17,249 16,690 2,478

SOUTH SUMATERA 2 27,004 27,865 29,332 28,800 5,540

JAKARTA 3.1 35,145 38,635 36,144 45,504 7,124

BANDUNG 3.2 1,684 1,146 1,986 2,029 243

OTHERS 3.3 34,731 34,081 36,444 36,666 6,428

WEST JAVA 3 71,560 73,862 74,574 84,199 13,795

SEMARANG 4.1 379 669 802 855 101

YOGYAKARTA 4.2 2,468 2,155 2,299 2,071 446

OTHERS 4.3 10,540 9,711 10,254 9,807 2,599

CENTRAL JAVA 4 13,387 12,535 13,355 12,733 3,146

SURABAYA 5.1 6,032 6,062 6,167 5,985 1,014

OTHERS 5.2 7,829 7,287 7,698 7,792 1,248

EAST JAVA 5 13,861 13,349 13,865 13,777 2,262

KALIMANTAN 6 7,002 5,726 7,565 6,397 612

UJUNG PANDANG 7.1 1,737 1,851 1,890 1,906 253

OTHERS 7.2 6,403 7,024 6,163 5,688 851

SULAWESI 7 8,140 8,875 8,053 7,594 1,104

OTHER ISLANDS 8 12,167 12,907 14,170 14,060 2,641

164,566 165,902 172,069 178,042 31,228T O T A L

Number Of Risk By Cresta Zone

As At 30/06/2014

Cresta Zone

23

Table 4.2

U/Y 2010 % U/Y 2011 % U/Y 2012 % U/Y 2013 % U/Y 2014 %

AGRICULTURAL A 441 0.27 379 0.23 420 0.24 437 0.25 71 0.23

COMMERCIAL C 83,090 50.49 91,401 55.09 94,290 54.80 94,194 52.91 12,988 41.59

INDUSTRIAL I 13,867 8.43 14,995 9.04 16,282 9.46 17,166 9.64 2,373 7.60

RESIDENTIAL R 67,168 40.82 59,127 35.64 61,077 35.50 66,245 37.21 15,796 50.58

164,566 100.00 165,902 100.00 172,069 100.00 178,042 100.00 31,228 100.00

Number Of Risk By Occupation

T O T A L

Occupation

As At 30/06/2014

24

Agricultural, 420

Commercial, 94,290 Industrial,

16,282

Residential, 61,077

Agricultural, 437

Commercial, 94,194

Industrial, 17,166

Residential, 66,245

Agricultural, 71

Commercial, 12,988

Industrial, 2,373

Residential, 15,796

Number of Risk By OccupationAs at 30 June 2014

Agricultural, 441

Commercial, 83,090

Industrial, 13,867

Residential, 67,168

Agricultural, 379

Commercial, 91,401

Industrial, 14,995

Residential, 59,127

UY 2010

UY 2013 UY 2014

UY 2011

UY 2012

25

Table 5.1

U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014

AGRICULTURAL A 0 0 0 0 0

COMMERCIAL C 43 67 14 23 1

INDUSTRIAL I 1 0 0 4 0

RESIDENTIAL R 9 27 1 5 0

53 94 15 32 1T O T A L

Claim Frequency by Occupation

As At 30/06/2014

Occupation

27

Table 5.2

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 1 6 14 8 1 0

PADANG 2.1 0 7 0 0 0

PALEMBANG 2.2 0 0 0 0 0

OTHERS 2.3 0 8 1 1 0

SOUTH SUMATERA 2 0 15 1 1 0

JAKARTA 3.1 1 1 0 0 0

BANDUNG 3.2 0 1 0 1 0

OTHERS 3.3 1 1 1 0 0

WEST JAVA 3 2 3 1 1 0

SEMARANG 4.1 0 0 0 0 0

YOGYAKARTA 4.2 3 0 0 4 0

OTHERS 4.3 6 0 0 4 1

CENTRAL JAVA 4 9 0 0 8 1

SURABAYA 5.1 0 0 0 0 0

OTHERS 5.2 2 0 0 17 0

EAST JAVA 5 2 0 0 17 0

KALIMANTAN 6 0 0 0 0 0

UJUNG PANDANG 7.1 1 0 0 0 0

OTHERS 7.2 2 1 2 1 0

SULAWESI 7 3 1 2 1 0

OTHER ISLANDS 8 31 61 3 3 0

53 94 15 32 1T O T A L

Claim Frequency by Cresta Zone

As At 30/06/2014

Cresta Zone

29

Table 5.3


AGRICULTURAL A 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

COMMERCIAL C 42,467,094,914.28 97.40 15,983,627,307.09 97.66 1,670,541,980.54 97.09 294,622,986,325.04 98.90 104,499,000.00 100.00

INDUSTRIAL I 760,224,542.70 1.74 0.00 0.00 0.00 0.00 3,188,073,400.00 1.07 0.00 0.00

RESIDENTIAL R 371,785,430.40 0.85 383,658,539.04 2.34 50,000,000.00 2.91 83,944,822.00 0.03 0.00 0.00

43,599,104,887.38 100.00 16,367,285,846.13 100.00 1,720,541,980.54 100.00 297,895,004,547.04 100.00 104,499,000.00 100.00

Claim by Occupation

In IDR

Occupation

T O T A L

U/Y 2014

As At 30/06/2014

U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013

30

Agricultural

0.00%

Commercial

97.40%

Industrial

1.74%Residential

0.85%

Agricultural

0.00%

Commercial

97.09%

Industrial

0.00%

Residential

2.91%

Agricultural

0.00%

Commercial

98.90%

Industrial

1.07%

Residential

0.03%Agricultural

0.00%

Commercial

100.00%

Industrial

0.00%

Residential

0.00%

Claim By OccupationAs at 30 June 2014

Agricultural

0.00%

Commercial

97.66%

Industrial

0.00%

Residential

2.34%

UY 2011

UY 2012

UY 2013

UY 2014

UY 2010

31

Table 5.4


BANDA ACEH 1.1 215,965,351.00 0.50 7,583,593,500.00 46.33 1,430,714,900.00 83.15 21,000,000.00 0.01 0.00 0.00

MEDAN 1.2 17,388,400.00 0.04 101,128,056.63 0.62 14,936,201.00 0.87 0.00 0.00 0.00 0.00

OTHERS 1.3 386,240,859.55 0.89 170,435,941.60 1.04 0.00 0.00 0.00 0.00 0.00 0.00

NORTH SUMATERA 1 619,594,610.55 1.42 7,855,157,498.23 47.99 1,445,651,101.00 84.02 21,000,000.00 0.01 0.00 0.00

PADANG 2.1 0.00 0.00 64,390,800.00 0.39 0.00 0.00 0.00 0.00 0.00 0.00

PALEMBANG 2.2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

OTHERS 2.3 0.00 0.00 1,260,841,000.00 7.70 50,000,000.00 2.91 3,997,822.00 0.00 0.00 0.00

SOUTH SUMATERA 2 0.00 0.00 1,325,231,800.00 8.10 50,000,000.00 2.91 3,997,822.00 0.00 0.00 0.00

JAKARTA 3.1 2,508,000.00 0.01 50,000,000.00 0.31 0.00 0.00 0.00 0.00 0.00 0.00

BANDUNG 3.2 0.00 0.00 67,353,075.00 0.41 0.00 0.00 22,511,000.00 0.01 0.00 0.00

OTHERS 3.3 37,327,390.00 0.09 7,100,000.00 0.04 17,438,200.00 1.01 0.00 0.00 0.00 0.00

WEST JAVA 3 39,835,390.00 0.09 124,453,075.00 0.76 17,438,200.00 1.01 22,511,000.00 0.01 0.00 0.00

SEMARANG 4.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

YOGYAKARTA 4.2 30,472,169,600.00 69.89 0.00 0.00 0.00 0.00 1,230,435,360.00 0.41 0.00 0.00

OTHERS 4.3 4,049,914,560.59 9.29 0.00 0.00 0.00 0.00 4,417,768,400.00 1.48 104,499,000.00 100.00

CENTRAL JAVA 4 34,522,084,160.59 79.18 0.00 0.00 0.00 0.00 5,648,203,760.00 1.90 104,499,000.00 100.00

SURABAYA 5.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

OTHERS 5.2 46,008,723.00 0.11 0.00 0.00 0.00 0.00 292,074,986,895.16 98.05 0.00 0.00

EAST JAVA 5 46,008,723.00 0.11 0.00 0.00 0.00 0.00 292,074,986,895.16 98.05 0.00 0.00

KALIMANTAN 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

UJUNG PANDANG 7.1 760,224,542.70 1.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

OTHERS 7.2 90,491,945.00 0.21 6,662,800.00 0.04 77,942,400.00 4.53 50,000,000.00 0.02 0.00 0.00

SULAWESI 7 850,716,487.70 1.95 6,662,800.00 0.04 77,942,400.00 4.53 50,000,000.00 0.02 0.00 0.00

OTHER ISLANDS 8 7,520,865,515.54 17.25 7,055,780,672.90 43.11 129,510,279.54 7.53 74,305,069.88 0.02 0.00 0.00

43,599,104,887.38 100.00 16,367,285,846.13 100.00 1,720,541,980.54 100.00 297,895,004,547.04 100.00 104,499,000.00 100.00

Cresta Zone

T O T A L

Claim by Cresta Zone

In IDR

U/Y 2014U/Y 2010

As At 30/06/2014

U/Y 2011 U/Y 2012 U/Y 2013

32

( In Million IDR )

Claim By Cresta ZoneAs at 30 June 2014

North Sumatera,

1,445.65

South Sumatera,

50.00

West Java, 17.44

Central Java, 0.00

East Java, 0.00Kalimantan, 0.00

Sulawesi, 77.94

Other Islands,

129.51

North Sumatera, 7,855.16

South Sumatera, 1,325.23

West Java, 124.45

Central Java, 0.00East Java, 0.00

Kalimantan, 0.00

Sulawesi, 6.66

Other Islands, 7,055.78

North Sumatera, 619.59

South Sumatera, 0.00

West Java, 39.84

Central Java, 34,522.08

East Java, 46.01

Kalimantan, 0.00

Sulawesi, 850.72

Other Islands,

7,520.87

North Sumatera, 21.00


West Java, 22.51

Central Java,

5,648.20

East Java, 292,074.99

Kalimantan, 0.00

Sulawesi, 50.00

Other Islands, 74.31

North Sumatera,

0.00


West Java, 0.00 Central Java, 104.50

East Java, 0.00

Kalimantan, 0.00Sulawesi, 0.00

Other Islands, 0.00

UY 2013UY 2014

UY 2011

UY 2012UY 2010

33

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 2 2 0.23

3 100.00 8 10 0.76

4 200.00 4 14 0.25

5 300.00 33 47 0.71

6 500.00 13 60 1.25

7 750.00 9 69 1.09

8 1,000.00 9 78 0.56

9 1,500.00 11 89 2.07

10 2,000.00 8 97 0.61

11 2,500.00 6 103 0.89

12 3,000.00 6 109 0.24

13 4,000.00 6 115 0.58

14 5,000.00 12 127 2.24

15 7,500.00 10 137 1.95

16 10,000.00 12 149 0.94

17 20,000.00 11 160 0.20

18 50,000.00 12 172 4.77

19 100,000.00 15 187 10.89

20 500,000.00 8 195 0.65

PROCESSING DATE 18/07/2014OCCUPATION : ALL

SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM

(In Million Rp)NUMBER OF RISKS CLAIM FREQUENCY

PT. Reasuransi MAIPARK Indonesia

RISK & LOSS PROFILE

As At 30/06/2014

UNDERWRITING YEAR 2010 - 2014

LOSS RATIOBAND

F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s)

50.00 70,391 70,391 9.89 9.89 2,711.96 2,711.96 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 55,500 125,891 7.80 17.69 6,420.77 9,132.73 0.05 0.08 1.03 1.03 14.80 14.80 0.00 0.00 0.16

200.00 78,796 204,687 11.07 28.76 17,318.75 26,451.48 0.15 0.22 4.10 5.13 132.11 146.91 0.04 0.04 0.56

300.00 55,733 260,420 7.83 36.59 20,372.75 46,824.23 0.17 0.40 2.05 7.18 51.93 198.84 0.01 0.06 0.42

500.00 79,211 339,631 11.13 47.71 46,488.28 93,312.51 0.40 0.79 16.92 24.10 328.82 527.66 0.09 0.15 0.57

750.00 60,673 400,304 8.52 56.24 53,679.88 146,992.39 0.46 1.25 6.67 30.77 672.95 1,200.61 0.19 0.33 0.82

1,000.00 58,479 458,783 8.22 64.45 73,716.28 220,708.67 0.63 1.88 4.62 35.38 802.57 2,003.18 0.22 0.56 0.91

1,500.00 62,409 521,192 8.77 73.22 109,530.18 330,238.84 0.93 2.81 4.62 40.00 608.55 2,611.73 0.17 0.73 0.79

2,000.00 32,928 554,120 4.63 77.85 82,904.54 413,143.38 0.71 3.51 5.64 45.64 1,719.55 4,331.28 0.48 1.20 1.05

2,500.00 20,565 574,685 2.89 80.74 65,944.94 479,088.32 0.56 4.07 4.10 49.74 399.56 4,730.84 0.11 1.32 0.99

3,000.00 15,976 590,661 2.24 82.98 62,897.00 541,985.32 0.53 4.61 3.08 52.82 561.23 5,292.07 0.16 1.47 0.98

4,000.00 20,020 610,681 2.81 85.79 99,807.22 641,792.53 0.85 5.46 3.08 55.90 244.45 5,536.52 0.07 1.54 0.86

5,000.00 14,144 624,825 1.99 87.78 91,533.75 733,326.29 0.78 6.24 3.08 58.97 527.66 6,064.19 0.15 1.69 0.83

7,500.00 19,307 644,132 2.71 90.49 167,338.46 900,664.75 1.42 7.66 6.15 65.13 3,750.92 9,815.11 1.04 2.73 1.09

10,000.00 12,640 656,772 1.78 92.27 158,629.87 1,059,294.62 1.35 9.01 5.13 70.26 3,086.26 12,901.38 0.86 3.59 1.22

20,000.00 19,697 676,469 2.77 95.04 398,101.79 1,457,396.42 3.39 12.39 6.15 76.41 3,737.09 16,638.46 1.04 4.63 1.14

50,000.00 16,576 693,045 2.33 97.36 732,512.84 2,189,909.26 6.23 18.62 5.64 82.05 1,445.18 18,083.64 0.40 5.03 0.83

100,000.0

0

8,127 701,172 1.14 98.51 791,288.99 2,981,198.24 6.73 25.35 6.15 88.21 37,766.06 55,849.69 10.50 15.53 1.87

500,000.0

0

8,404 709,576 1.18 99.69 2,411,248.68 5,392,446.92 20.51 45.86 7.69 95.90 262,492.49 318,342.18 72.98 88.51 5.90

UP 2,231 711,807 0.31 100.00 6,365,587.83 11,758,034.75 54.14 100.00 3.064.10 100.00 41,344.25 359,686.44 11.49 100.00

34

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 1 1 2.30

14 5,000.00 0 1 0.00

15 7,500.00 0 1 0.00

16 10,000.00 0 1 0.00

17 20,000.00 0 1 0.00

18 50,000.00 0 1 0.00

19 100,000.00 0 1 0.00

20 500,000.00 0 1 0.00 0.020.00 100.00 0.00 104.50 0.00 100.00

0.04

UP 94 31,228 0.30 100.00 230,965.08 516,402.03 44.73 100.00

0.00 100.00 0.00 104.50 0.00 100.00

0.07

500,000.0

0

440 31,134 1.41 99.70 141,919.59 285,436.95 27.48 55.27

0.00 100.00 0.00 104.50 0.00 100.00

0.10

100,000.0

0

387 30,694 1.24 98.29 40,746.13 143,517.36 7.89 27.79

0.00 100.00 0.00 104.50 0.00 100.00

0.15

50,000.00 685 30,307 2.19 97.05 32,345.22 102,771.23 6.26 19.90

0.00 100.00 0.00 104.50 0.00 100.00

0.20

20,000.00 857 29,622 2.74 94.86 17,883.23 70,426.01 3.46 13.64

0.00 100.00 0.00 104.50 0.00 100.00

0.23

10,000.00 617 28,765 1.98 92.11 7,807.73 52,542.78 1.51 10.17

0.00 100.00 0.00 104.50 0.00 100.00

0.28

7,500.00 910 28,148 2.91 90.14 7,944.67 44,735.05 1.54 8.66

100.00 100.00 104.50 104.50 100.00 100.00

0.00

5,000.00 691 27,238 2.21 87.22 4,550.33 36,790.38 0.88 7.12

0.00 0.00 0.00 0.00 0.00 0.00

0.00

4,000.00 1,000 26,547 3.20 85.01 4,967.05 32,240.05 0.96 6.24

0.00 0.00 0.00 0.00 0.00 0.00

0.00

3,000.00 865 25,547 2.77 81.81 3,484.58 27,272.99 0.67 5.28

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,500.00 1,092 24,682 3.50 79.04 3,539.46 23,788.42 0.69 4.61

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,000.00 1,835 23,590 5.88 75.54 4,667.33 20,248.96 0.90 3.92

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,500.00 2,809 21,755 9.00 69.67 5,072.23 15,581.63 0.98 3.02

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 2,810 18,946 9.00 60.67 3,573.10 10,509.40 0.69 2.04

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 3,039 16,136 9.73 51.67 2,691.83 6,936.30 0.52 1.34

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500.00 4,197 13,097 13.44 41.94 2,500.04 4,244.47 0.48 0.82

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 2,506 8,900 8.02 28.50 927.13 1,744.44 0.18 0.34

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 2,546 6,394 8.15 20.48 566.03 817.31 0.11 0.16

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 1,280 3,848 4.10 12.32 145.99 251.28 0.03 0.05

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 2,568 2,568 8.22 8.22 105.29 105.29 0.02 0.02

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND

F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE

SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014

UNDERWRITING YEAR 2014


35

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 1 1 0.25

4 200.00 2 3 0.71

5 300.00 3 6 0.97

6 500.00 3 9 2.17

7 750.00 3 12 3.70

8 1,000.00 1 13 0.05

9 1,500.00 0 13 0.00

10 2,000.00 1 14 0.53

11 2,500.00 1 15 0.21

12 3,000.00 0 15 0.00

13 4,000.00 0 15 0.00

14 5,000.00 1 16 0.03

15 7,500.00 3 19 5.00

16 10,000.00 2 21 2.33

17 20,000.00 1 22 0.01

18 50,000.00 2 24 15.17

19 100,000.00 7 31 35.93

20 500,000.00 1 32 0.20 8.123.13 100.00 4,296.07 297,895.00 1.44 100.00

18.90

UP 613 178,042 0.34 100.00 2,114,338.87 3,668,079.80 57.64 100.00

21.88 96.88 251,381.54 293,598.93 84.39 98.56

4.94

500,000.0

0

2,313 177,429 1.30 99.66 699,638.35 1,553,740.93 19.07 42.36

6.25 75.00 36,033.00 42,217.40 12.10 14.17

1.00

100,000.0

0

2,326 175,116 1.31 98.36 237,549.39 854,102.59 6.48 23.28

3.13 68.75 30.00 6,184.40 0.01 2.08

1.52

50,000.00 4,638 172,790 2.61 97.05 211,954.27 616,553.19 5.78 16.81

6.25 65.63 2,612.48 6,154.40 0.88 2.07

1.21

20,000.00 5,554 168,152 3.12 94.45 112,204.52 404,598.92 3.06 11.03

9.38 59.38 2,280.55 3,541.92 0.77 1.19

0.51

10,000.00 3,602 162,598 2.02 91.33 45,605.95 292,394.40 1.24 7.97

3.13 50.00 15.87 1,261.37 0.01 0.42

0.63

7,500.00 5,420 158,996 3.04 89.30 47,510.31 246,788.45 1.30 6.73

0.00 46.88 0.00 1,245.51 0.00 0.42

0.72

5,000.00 3,942 153,576 2.21 86.26 25,609.85 199,278.14 0.70 5.43

0.00 46.88 0.00 1,245.51 0.00 0.42

0.85

4,000.00 5,521 149,634 3.10 84.04 27,805.00 173,668.28 0.76 4.73

3.13 46.88 36.70 1,245.51 0.01 0.42

0.94

3,000.00 4,340 144,113 2.44 80.94 17,349.82 145,863.28 0.47 3.98

3.13 43.75 100.00 1,208.81 0.03 0.41

1.01

2,500.00 5,771 139,773 3.24 78.51 18,780.10 128,513.46 0.51 3.50

0.00 40.63 0.00 1,108.81 0.00 0.37

1.28

2,000.00 9,206 134,002 5.17 75.26 23,219.61 109,733.36 0.63 2.99

3.13 40.63 17.86 1,108.81 0.01 0.37

2.06

1,500.00 19,061 124,796 10.71 70.09 33,587.49 86,513.75 0.92 2.36

9.38 37.50 650.00 1,090.94 0.22 0.37

1.25

1,000.00 13,759 105,735 7.73 59.39 17,580.64 52,926.26 0.48 1.44

9.38 28.13 289.00 440.94 0.10 0.15

0.69

750.00 14,824 91,976 8.33 51.66 13,328.71 35,345.61 0.36 0.96

9.38 18.75 107.00 151.95 0.04 0.05

0.41

500.00 18,727 77,152 10.52 43.33 11,078.34 22,016.91 0.30 0.60

6.25 9.38 34.95 44.95 0.01 0.02

0.17

300.00 13,273 58,425 7.45 32.82 4,921.94 10,938.57 0.13 0.30

3.13 3.13 10.00 10.00 0.00 0.00

0.00

200.00 17,850 45,152 10.03 25.36 3,987.83 6,016.62 0.11 0.16

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 13,387 27,302 7.52 15.33 1,497.70 2,028.79 0.04 0.06

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 13,915 13,915 7.82 7.82 531.09 531.09 0.01 0.01

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



36

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 1 1 0.16

6 500.00 0 1 0.00

7 750.00 0 1 0.00

8 1,000.00 1 2 0.18

9 1,500.00 3 5 2.04

10 2,000.00 1 6 0.40

11 2,500.00 0 6 0.00

12 3,000.00 0 6 0.00

13 4,000.00 0 6 0.00

14 5,000.00 2 8 0.78

15 7,500.00 2 10 1.44

16 10,000.00 4 14 0.31

17 20,000.00 0 14 0.00

18 50,000.00 0 14 0.00

19 100,000.00 1 15 0.00

20 500,000.00 0 15 0.00 0.070.00 100.00 0.00 1,720.54 0.00 100.00

0.13

UP 546 172,069 0.32 100.00 1,330,393.93 2,642,059.72 50.35 100.00

6.67 100.00 4.14 1,720.54 0.24 100.00

0.24

500,000.0

0

2,044 171,523 1.19 99.68 588,243.30 1,311,665.79 22.26 49.65

0.00 93.33 0.00 1,716.41 0.00 99.76

0.32

100,000.0

0

2,029 169,479 1.18 98.49 191,821.94 723,422.49 7.26 27.38

0.00 93.33 0.00 1,716.41 0.00 99.76

0.48

50,000.00 3,989 167,450 2.32 97.32 175,495.21 531,600.55 6.64 20.12

26.67 93.33 301.07 1,716.41 17.50 99.76

0.55

20,000.00 4,820 163,461 2.80 95.00 98,258.06 356,105.33 3.72 13.48

13.33 66.67 555.00 1,415.33 32.26 82.26

0.39

10,000.00 3,073 158,641 1.79 92.20 38,597.29 257,847.27 1.46 9.76

13.33 53.33 319.96 860.33 18.60 50.00

0.30

7,500.00 4,735 155,568 2.75 90.41 41,142.71 219,249.97 1.56 8.30

0.00 40.00 0.00 540.38 0.00 31.41

0.35

5,000.00 3,389 150,833 1.97 87.66 22,095.77 178,107.27 0.84 6.74

0.00 40.00 0.00 540.38 0.00 31.41

0.41

4,000.00 4,829 147,444 2.81 85.69 24,308.04 156,011.49 0.92 5.90

0.00 40.00 0.00 540.38 0.00 31.41

0.46

3,000.00 3,862 142,615 2.24 82.88 15,219.89 131,703.45 0.58 4.98

6.67 40.00 62.33 540.38 3.62 31.41

0.47

2,500.00 4,851 138,753 2.82 80.64 15,508.82 116,483.56 0.59 4.41

20.00 33.33 410.61 478.05 23.87 27.78

0.08

2,000.00 7,955 133,902 4.62 77.82 20,174.99 100,974.74 0.76 3.82

6.67 13.33 50.00 67.44 2.91 3.92

0.03

1,500.00 16,072 125,947 9.34 73.20 28,153.39 80,799.75 1.07 3.06

0.00 6.67 0.00 17.44 0.00 1.01

0.05

1,000.00 13,917 109,875 8.09 63.86 17,794.53 52,646.37 0.67 1.99

0.00 6.67 0.00 17.44 0.00 1.01

0.08

750.00 13,677 95,958 7.95 55.77 12,206.36 34,851.83 0.46 1.32

6.67 6.67 17.44 17.44 1.01 1.01

0.00

500.00 18,934 82,281 11.00 47.82 11,231.09 22,645.48 0.43 0.86

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 13,528 63,347 7.86 36.81 4,979.52 11,414.39 0.19 0.43

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 19,128 49,819 11.12 28.95 4,198.96 6,434.87 0.16 0.24

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 13,478 30,691 7.83 17.84 1,564.86 2,235.90 0.06 0.08

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 17,213 17,213 10.00 10.00 671.05 671.05 0.03 0.03

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



37

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 1 1 0.25

3 100.00 5 6 2.19

4 200.00 2 8 0.35

5 300.00 25 33 1.14

6 500.00 8 41 1.55

7 750.00 3 44 0.43

8 1,000.00 4 48 0.55

9 1,500.00 5 53 2.28

10 2,000.00 2 55 1.11

11 2,500.00 3 58 1.34

12 3,000.00 3 61 0.45

13 4,000.00 3 64 0.96

14 5,000.00 8 72 8.79

15 7,500.00 3 75 0.65

16 10,000.00 5 80 0.81

17 20,000.00 7 87 0.78

18 50,000.00 4 91 0.87

19 100,000.00 3 94 1.40

20 500,000.00 0 94 0.00 0.580.00 100.00 0.00 16,367.29 0.00 100.00

1.36

UP 545 165,902 0.33 100.00 1,606,747.78 2,814,449.18 57.09 100.00

3.19 100.00 7,425.90 16,367.29 45.37 100.00

1.32

500,000.0

0

1,908 165,357 1.15 99.67 531,195.15 1,207,701.40 18.87 42.91

4.26 96.81 1,496.27 8,941.39 9.14 54.63

1.47

100,000.0

0

1,800 163,449 1.08 98.52 171,291.37 676,506.25 6.09 24.04

7.45 92.55 1,327.55 7,445.12 8.11 45.49

1.82

50,000.00 3,914 161,649 2.36 97.44 169,534.05 505,214.88 6.02 17.95

5.32 85.11 746.76 6,117.58 4.56 37.38

2.20

20,000.00 4,571 157,735 2.76 95.08 91,978.43 335,680.83 3.27 11.93

3.19 79.79 238.02 5,370.81 1.45 32.81

2.48

10,000.00 2,913 153,164 1.76 92.32 36,672.85 243,702.41 1.30 8.66

8.51 76.60 3,411.38 5,132.79 20.84 31.36

1.02

7,500.00 4,469 150,251 2.69 90.57 38,800.18 207,029.55 1.38 7.36

3.19 68.09 206.61 1,721.41 1.26 10.52

1.03

5,000.00 3,323 145,782 2.00 87.87 21,429.68 168,229.37 0.76 5.98

3.19 64.89 104.87 1,514.81 0.64 9.26

1.14

4,000.00 4,684 142,459 2.82 85.87 23,095.74 146,799.69 0.82 5.22

3.19 61.70 193.30 1,409.94 1.18 8.61

1.11

3,000.00 3,651 137,775 2.20 83.05 14,432.87 123,703.95 0.51 4.40

2.13 58.51 164.22 1,216.64 1.00 7.43

1.11

2,500.00 4,638 134,124 2.80 80.85 14,846.84 109,271.08 0.53 3.88

5.32 56.38 422.12 1,052.42 2.58 6.43

0.83

2,000.00 7,368 129,486 4.44 78.05 18,506.63 94,424.24 0.66 3.35

4.26 51.06 133.04 630.30 0.81 3.85

0.96

1,500.00 13,687 122,118 8.25 73.61 24,266.27 75,917.61 0.86 2.70

3.19 46.81 75.92 497.26 0.46 3.04

1.23

1,000.00 13,546 108,431 8.17 65.36 17,485.99 51,651.35 0.62 1.84

8.51 43.62 179.25 421.33 1.10 2.57

1.07

750.00 13,193 94,885 7.95 57.19 11,574.59 34,165.36 0.41 1.21

26.60 35.11 127.11 242.09 0.78 1.48

1.01

500.00 19,200 81,692 11.57 49.24 11,193.04 22,590.77 0.40 0.80

2.13 8.51 16.98 114.98 0.10 0.70

1.51

300.00 13,528 62,492 8.15 37.67 4,888.68 11,397.73 0.17 0.40

5.32 6.38 94.19 97.99 0.58 0.60

0.17

200.00 19,249 48,964 11.60 29.51 4,295.05 6,509.05 0.15 0.23

1.06 1.06 3.80 3.80 0.02 0.02

0.00

100.00 12,844 29,715 7.74 17.91 1,529.30 2,214.00 0.05 0.08

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 16,871 16,871 10.17 10.17 684.70 684.70 0.02 0.02

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



38

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 1 1 0.65

3 100.00 2 3 0.65

4 200.00 0 3 0.00

5 300.00 4 7 0.74

6 500.00 2 9 1.48

7 750.00 3 12 0.44

8 1,000.00 3 15 2.21

9 1,500.00 3 18 5.43

10 2,000.00 4 22 0.55

11 2,500.00 2 24 2.67

12 3,000.00 3 27 0.71

13 4,000.00 2 29 1.21

14 5,000.00 1 30 0.01

15 7,500.00 2 32 0.04

16 10,000.00 1 33 0.10

17 20,000.00 3 36 0.06

18 50,000.00 6 42 0.16

19 100,000.00 4 46 0.82

20 500,000.00 7 53 3.42 2.0613.21 100.00 37,048.18 43,599.10 84.97 100.00

0.63

UP 433 164,566 0.26 100.00 1,083,142.17 2,117,044.01 51.16 100.00

7.55 86.79 3,680.92 6,550.92 8.44 15.03

0.49

500,000.0

0

1,699 164,133 1.03 99.74 450,252.28 1,033,901.84 21.27 48.84

11.32 79.25 236.79 2,870.00 0.54 6.58

0.61

100,000.0

0

1,585 162,434 0.96 98.70 149,880.15 583,649.56 7.08 27.57

5.66 67.92 87.63 2,633.21 0.20 6.04

0.88

50,000.00 3,350 160,849 2.04 97.74 143,184.08 433,769.41 6.76 20.49

1.89 62.26 76.77 2,545.58 0.18 5.84

1.16

20,000.00 3,895 157,499 2.37 95.71 77,777.55 290,585.32 3.67 13.73

3.77 60.38 12.69 2,468.81 0.03 5.66

1.34

10,000.00 2,435 153,604 1.48 93.34 29,946.04 212,807.77 1.41 10.05

1.89 56.60 3.72 2,456.12 0.01 5.63

1.62

7,500.00 3,773 151,169 2.29 91.86 31,940.59 182,861.73 1.51 8.64

3.77 54.72 216.56 2,452.40 0.50 5.62

1.68

5,000.00 2,799 147,396 1.70 89.57 17,848.12 150,921.13 0.84 7.13

5.66 50.94 139.58 2,235.84 0.32 5.13

1.85

4,000.00 3,986 144,597 2.42 87.87 19,631.38 133,073.02 0.93 6.29

3.77 45.28 331.24 2,096.25 0.76 4.81

1.75

3,000.00 3,258 140,611 1.98 85.44 12,409.83 113,441.63 0.59 5.36

7.55 41.51 73.01 1,765.02 0.17 4.05

1.93

2,500.00 4,213 137,353 2.56 83.46 13,269.71 101,031.80 0.63 4.77

5.66 33.96 886.82 1,692.01 2.03 3.88

1.13

2,000.00 6,564 133,140 3.99 80.90 16,335.99 87,762.09 0.77 4.15

5.66 28.30 407.65 805.19 0.93 1.85

0.75

1,500.00 10,780 126,576 6.55 76.92 18,450.80 71,426.09 0.87 3.37

5.66 22.64 76.64 397.54 0.18 0.91

0.90

1,000.00 14,447 115,796 8.78 70.36 17,282.01 52,975.29 0.82 2.50

3.77 16.98 204.71 320.90 0.47 0.74

0.53

750.00 15,940 101,349 9.69 61.59 13,878.40 35,693.28 0.66 1.69

7.55 13.21 77.26 116.18 0.18 0.27

0.34

500.00 18,153 85,409 11.03 51.90 10,485.77 21,814.88 0.50 1.03

0.00 5.66 0.00 38.92 0.00 0.09

0.58

300.00 12,898 67,256 7.84 40.87 4,655.48 11,329.11 0.22 0.54

3.77 5.66 27.92 38.92 0.06 0.09

0.46

200.00 20,023 54,358 12.17 33.03 4,270.88 6,673.63 0.20 0.32

1.89 1.89 11.00 11.00 0.03 0.03

0.00

100.00 14,511 34,335 8.82 20.86 1,682.92 2,402.76 0.08 0.11

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 19,824 19,824 12.05 12.05 719.83 719.83 0.03 0.03

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



39

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00

UP 1 71 1.41 100.00 1,452.46 5,076.33 28.61 100.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500,000.0

0

13 70 18.31 98.59 2,899.34 3,623.87 57.11 71.39

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100,000.0

0

4 57 5.63 80.28 302.48 724.53 5.96 14.27

0.00 0.00 0.00 0.00 0.00 0.00

0.00

50,000.00 5 53 7.04 74.65 234.25 422.05 4.61 8.31

0.00 0.00 0.00 0.00 0.00 0.00

0.00

20,000.00 4 48 5.63 67.61 84.01 187.80 1.65 3.70

0.00 0.00 0.00 0.00 0.00 0.00

0.00

10,000.00 2 44 2.82 61.97 21.53 103.79 0.42 2.04

0.00 0.00 0.00 0.00 0.00 0.00

0.00

7,500.00 1 42 1.41 59.15 7.11 82.26 0.14 1.62

0.00 0.00 0.00 0.00 0.00 0.00

0.00

5,000.00 2 41 2.82 57.75 14.20 75.15 0.28 1.48

0.00 0.00 0.00 0.00 0.00 0.00

0.00

4,000.00 3 39 4.23 54.93 15.46 60.95 0.30 1.20

0.00 0.00 0.00 0.00 0.00 0.00

0.00

3,000.00 0 36 0.00 50.70 0.00 45.49 0.00 0.90

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,500.00 4 36 5.63 50.70 10.21 45.49 0.20 0.90

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,000.00 7 32 9.86 45.07 18.92 35.28 0.37 0.69

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,500.00 5 25 7.04 35.21 5.70 16.36 0.11 0.32

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 5 20 7.04 28.17 4.34 10.67 0.09 0.21

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 4 15 5.63 21.13 2.52 6.33 0.05 0.12

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500.00 4 11 5.63 15.49 2.49 3.81 0.05 0.08

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 2 7 2.82 9.86 0.59 1.32 0.01 0.03

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 3 5 4.23 7.04 0.53 0.74 0.01 0.01

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 2 2 2.82 2.82 0.21 0.21 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014


PROCESSING DATE 18/07/2014OCCUPATION : AGRICULTURAL

40

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 1 1 4.71

14 5,000.00 0 1 0.00

15 7,500.00 0 1 0.00

16 10,000.00 0 1 0.00

17 20,000.00 0 1 0.00

18 50,000.00 0 1 0.00

19 100,000.00 0 1 0.00

20 500,000.00 0 1 0.00 0.070.00 100.00 0.00 104.50 0.00 100.00

0.10

UP 18 12,988 0.14 100.00 33,948.02 139,781.96 24.29 100.00

0.00 100.00 0.00 104.50 0.00 100.00

0.16

500,000.0

0

137 12,970 1.05 99.86 42,204.89 105,833.94 30.19 75.71

0.00 100.00 0.00 104.50 0.00 100.00

0.22

100,000.0

0

153 12,833 1.18 98.81 15,429.35 63,629.04 11.04 45.52

0.00 100.00 0.00 104.50 0.00 100.00

0.31

50,000.00 304 12,680 2.34 97.63 14,223.54 48,199.69 10.18 34.48

0.00 100.00 0.00 104.50 0.00 100.00

0.41

20,000.00 404 12,376 3.11 95.29 8,289.87 33,976.14 5.93 24.31

0.00 100.00 0.00 104.50 0.00 100.00

0.48

10,000.00 313 11,972 2.41 92.18 4,071.44 25,686.27 2.91 18.38

0.00 100.00 0.00 104.50 0.00 100.00

0.59

7,500.00 448 11,659 3.45 89.77 4,017.55 21,614.84 2.87 15.46

100.00 100.00 104.50 104.50 100.00 100.00

0.00

5,000.00 327 11,211 2.52 86.32 2,218.50 17,597.29 1.59 12.59

0.00 0.00 0.00 0.00 0.00 0.00

0.00

4,000.00 502 10,884 3.87 83.80 2,545.01 15,378.79 1.82 11.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00

3,000.00 428 10,382 3.30 79.94 1,804.37 12,833.78 1.29 9.18

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,500.00 555 9,954 4.27 76.64 1,839.50 11,029.41 1.32 7.89

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,000.00 924 9,399 7.11 72.37 2,427.34 9,189.91 1.74 6.57

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,500.00 1,282 8,475 9.87 65.25 2,427.07 6,762.58 1.74 4.84

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 1,278 7,193 9.84 55.38 1,721.65 4,335.51 1.23 3.10

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 1,159 5,915 8.92 45.54 1,089.76 2,613.86 0.78 1.87

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500.00 1,454 4,756 11.19 36.62 930.84 1,524.10 0.67 1.09

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 790 3,302 6.08 25.42 307.99 593.26 0.22 0.42

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 925 2,512 7.12 19.34 199.29 285.27 0.14 0.20

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 361 1,587 2.78 12.22 43.02 85.98 0.03 0.06

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 1,226 1,226 9.44 9.44 42.96 42.96 0.03 0.03

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014


PROCESSING DATE 18/07/2014OCCUPATION : COMMERCIAL

41

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00

UP 64 2,373 2.70 100.00 173,688.47 280,452.09 61.93 100.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500,000.0

0

193 2,309 8.13 97.30 65,513.73 106,763.62 23.36 38.07

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100,000.0

0

165 2,116 6.95 89.17 18,032.63 41,249.89 6.43 14.71

0.00 0.00 0.00 0.00 0.00 0.00

0.00

50,000.00 257 1,951 10.83 82.22 12,726.12 23,217.26 4.54 8.28

0.00 0.00 0.00 0.00 0.00 0.00

0.00

20,000.00 232 1,694 9.78 71.39 5,048.42 10,491.13 1.80 3.74

0.00 0.00 0.00 0.00 0.00 0.00

0.00

10,000.00 124 1,462 5.23 61.61 1,605.22 5,442.71 0.57 1.94

0.00 0.00 0.00 0.00 0.00 0.00

0.00

7,500.00 147 1,338 6.19 56.38 1,316.16 3,837.49 0.47 1.37

0.00 0.00 0.00 0.00 0.00 0.00

0.00

5,000.00 90 1,191 3.79 50.19 594.94 2,521.34 0.21 0.90

0.00 0.00 0.00 0.00 0.00 0.00

0.00

4,000.00 110 1,101 4.64 46.40 527.19 1,926.39 0.19 0.69

0.00 0.00 0.00 0.00 0.00 0.00

0.00

3,000.00 84 991 3.54 41.76 341.30 1,399.20 0.12 0.50

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,500.00 72 907 3.03 38.22 247.02 1,057.91 0.09 0.38

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,000.00 97 835 4.09 35.19 263.17 810.89 0.09 0.29

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,500.00 143 738 6.03 31.10 264.84 547.72 0.09 0.20

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 70 595 2.95 25.07 91.23 282.88 0.03 0.10

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 89 525 3.75 22.12 84.21 191.65 0.03 0.07

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500.00 107 436 4.51 18.37 65.96 107.45 0.02 0.04

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 60 329 2.53 13.86 21.67 41.49 0.01 0.01

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 45 269 1.90 11.34 9.52 19.82 0.00 0.01

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 59 224 2.49 9.44 6.64 10.30 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 165 165 6.95 6.95 3.65 3.65 0.00 0.00

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014


PROCESSING DATE 18/07/2014OCCUPATION : INDUSTRIAL

42

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00

UP 11 15,796 0.07 100.00 21,876.13 91,091.67 24.02 100.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500,000.0

0

97 15,785 0.61 99.93 31,301.63 69,215.53 34.36 75.98

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100,000.0

0

65 15,688 0.41 99.32 6,981.67 37,913.90 7.66 41.62

0.00 0.00 0.00 0.00 0.00 0.00

0.00

50,000.00 119 15,623 0.75 98.90 5,161.31 30,932.23 5.67 33.96

0.00 0.00 0.00 0.00 0.00 0.00

0.00

20,000.00 217 15,504 1.37 98.15 4,460.92 25,770.93 4.90 28.29

0.00 0.00 0.00 0.00 0.00 0.00

0.00

10,000.00 178 15,287 1.13 96.78 2,109.54 21,310.00 2.32 23.39

0.00 0.00 0.00 0.00 0.00 0.00

0.00

7,500.00 314 15,109 1.99 95.65 2,603.86 19,200.46 2.86 21.08

0.00 0.00 0.00 0.00 0.00 0.00

0.00

5,000.00 272 14,795 1.72 93.66 1,722.69 16,596.60 1.89 18.22

0.00 0.00 0.00 0.00 0.00 0.00

0.00

4,000.00 385 14,523 2.44 91.94 1,879.39 14,873.91 2.06 16.33

0.00 0.00 0.00 0.00 0.00 0.00

0.00

3,000.00 353 14,138 2.23 89.50 1,338.91 12,994.52 1.47 14.27

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,500.00 461 13,785 2.92 87.27 1,442.74 11,655.61 1.58 12.80

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,000.00 807 13,324 5.11 84.35 1,957.90 10,212.87 2.15 11.21

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,500.00 1,379 12,517 8.73 79.24 2,374.63 8,254.97 2.61 9.06

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 1,457 11,138 9.22 70.51 1,755.88 5,880.34 1.93 6.46

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 1,787 9,681 11.31 61.29 1,515.35 4,124.46 1.66 4.53

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500.00 2,632 7,894 16.66 49.97 1,500.75 2,609.11 1.65 2.86

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 1,654 5,262 10.47 33.31 596.88 1,108.36 0.66 1.22

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 1,573 3,608 9.96 22.84 356.70 511.48 0.39 0.56

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 858 2,035 5.43 12.88 96.11 154.78 0.11 0.17

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 1,177 1,177 7.45 7.45 58.67 58.67 0.06 0.06

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014


PROCESSING DATE 18/07/2014OCCUPATION : RESIDENTIAL

43

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00

UP 3 437 0.69 100.00 7,604.09 30,249.21 25.14 100.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500,000.0

0

63 434 14.42 99.31 13,788.35 22,645.13 45.58 74.86

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100,000.0

0

49 371 11.21 84.90 4,441.84 8,856.77 14.68 29.28

0.00 0.00 0.00 0.00 0.00 0.00

0.00

50,000.00 57 322 13.04 73.68 2,700.74 4,414.93 8.93 14.60

0.00 0.00 0.00 0.00 0.00 0.00

0.00

20,000.00 33 265 7.55 60.64 699.36 1,714.19 2.31 5.67

0.00 0.00 0.00 0.00 0.00 0.00

0.00

10,000.00 18 232 4.12 53.09 244.48 1,014.83 0.81 3.35

0.00 0.00 0.00 0.00 0.00 0.00

0.00

7,500.00 35 214 8.01 48.97 303.64 770.36 1.00 2.55

0.00 0.00 0.00 0.00 0.00 0.00

0.00

5,000.00 16 179 3.66 40.96 131.18 466.72 0.43 1.54

0.00 0.00 0.00 0.00 0.00 0.00

0.00

4,000.00 20 163 4.58 37.30 94.57 335.54 0.31 1.11

0.00 0.00 0.00 0.00 0.00 0.00

0.00

3,000.00 13 143 2.97 32.72 54.48 240.97 0.18 0.80

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,500.00 17 130 3.89 29.75 55.26 186.49 0.18 0.62

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,000.00 18 113 4.12 25.86 42.39 131.24 0.14 0.43

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,500.00 16 95 3.66 21.74 35.61 88.85 0.12 0.29

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 13 79 2.97 18.08 14.85 53.24 0.05 0.18

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 25 66 5.72 15.10 20.76 38.39 0.07 0.13

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500.00 20 41 4.58 9.38 11.79 17.63 0.04 0.06

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 10 21 2.29 4.81 4.25 5.84 0.01 0.02

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 5 11 1.14 2.52 1.30 1.58 0.00 0.01

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 0 6 0.00 1.37 0.07 0.28 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 6 6 1.37 1.37 0.21 0.21 0.00 0.00

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



44

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 3 3 1.96

6 500.00 1 4 3.45

7 750.00 3 7 6.22

8 1,000.00 1 8 0.08

9 1,500.00 0 8 0.00

10 2,000.00 0 8 0.00

11 2,500.00 0 8 0.00

12 3,000.00 0 8 0.00

13 4,000.00 0 8 0.00

14 5,000.00 1 9 0.06

15 7,500.00 2 11 2.89

16 10,000.00 1 12 2.13

17 20,000.00 1 13 0.03

18 50,000.00 2 15 43.91

19 100,000.00 7 22 135.54

20 500,000.00 1 23 0.60 22.684.35 100.00 4,296.07 294,622.99 1.46 100.00

50.01

UP 107 94,194 0.11 100.00 718,640.56 1,299,163.03 55.32 100.00

30.43 95.65 251,381.54 290,326.92 85.32 98.54

9.86

500,000.0

0

683 94,087 0.73 99.89 185,470.31 580,522.48 14.28 44.68

8.70 65.22 36,033.00 38,945.38 12.23 13.22

0.93

100,000.0

0

827 93,404 0.88 99.16 82,062.07 395,052.16 6.32 30.41

4.35 56.52 30.00 2,912.38 0.01 0.99

1.33

50,000.00 2,132 92,577 2.26 98.28 95,458.70 312,990.09 7.35 24.09

4.35 52.17 1,161.10 2,882.38 0.39 0.98

1.06

20,000.00 2,711 90,445 2.88 96.02 54,565.12 217,531.39 4.20 16.74

8.70 47.83 680.55 1,721.28 0.23 0.58

0.75

10,000.00 1,861 87,734 1.98 93.14 23,514.62 162,966.27 1.81 12.54

4.35 39.13 15.87 1,040.73 0.01 0.35

0.90

7,500.00 2,820 85,873 2.99 91.17 25,167.45 139,451.64 1.94 10.73

0.00 34.78 0.00 1,024.86 0.00 0.35

1.02

5,000.00 2,172 83,053 2.31 88.17 14,295.56 114,284.20 1.10 8.80

0.00 34.78 0.00 1,024.86 0.00 0.35

1.20

4,000.00 2,900 80,881 3.08 85.87 14,826.01 99,988.64 1.14 7.70

0.00 34.78 0.00 1,024.86 0.00 0.35

1.36

3,000.00 2,373 77,981 2.52 82.79 9,653.18 85,162.63 0.74 6.56

0.00 34.78 0.00 1,024.86 0.00 0.35

1.58

2,500.00 3,229 75,608 3.43 80.27 10,700.98 75,509.45 0.82 5.81

0.00 34.78 0.00 1,024.86 0.00 0.35

2.00

2,000.00 5,327 72,379 5.66 76.84 13,635.36 64,808.47 1.05 4.99

4.35 34.78 17.86 1,024.86 0.01 0.35

3.54

1,500.00 12,842 67,052 13.63 71.19 22,696.38 51,173.11 1.75 3.94

13.04 30.43 650.00 1,007.00 0.22 0.34

1.98

1,000.00 7,962 54,210 8.45 57.55 10,444.80 28,476.73 0.80 2.19

4.35 17.39 250.00 357.00 0.08 0.12

0.99

750.00 7,824 46,248 8.31 49.10 7,243.54 18,031.92 0.56 1.39

13.04 13.04 107.00 107.00 0.04 0.04

0.00

500.00 8,959 38,424 9.51 40.79 5,458.69 10,788.38 0.42 0.83

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 5,849 29,465 6.21 31.28 2,229.13 5,329.70 0.17 0.41

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 8,429 23,616 8.95 25.07 1,898.74 3,100.57 0.15 0.24

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 8,099 15,187 8.60 16.12 901.83 1,201.83 0.07 0.09

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 7,088 7,088 7.52 7.52 300.00 300.00 0.02 0.02

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



45

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 1 1 5.04

11 2,500.00 1 2 1.82

12 3,000.00 0 2 0.00

13 4,000.00 0 2 0.00

14 5,000.00 0 2 0.00

15 7,500.00 1 3 14.42

16 10,000.00 1 4 4.49

17 20,000.00 0 4 0.00

18 50,000.00 0 4 0.00

19 100,000.00 0 4 0.00

20 500,000.00 0 4 0.00 0.160.00 100.00 0.00 3,188.07 0.00 100.00

0.48

UP 444 17,166 2.59 100.00 1,273,447.05 1,936,516.72 65.76 100.00

0.00 100.00 0.00 3,188.07 0.00 100.00

1.19

500,000.0

0

1,243 16,722 7.24 97.41 395,269.24 663,069.67 20.41 34.24

0.00 100.00 0.00 3,188.07 0.00 100.00

2.11

100,000.0

0

1,129 15,479 6.58 90.17 116,585.73 267,800.42 6.02 13.83

0.00 100.00 0.00 3,188.07 0.00 100.00

4.54

50,000.00 1,717 14,350 10.00 83.60 81,044.85 151,214.69 4.19 7.81

25.00 100.00 1,451.38 3,188.07 45.53 100.00

4.59

20,000.00 1,560 12,633 9.09 73.59 32,342.32 70,169.84 1.67 3.62

25.00 75.00 1,600.00 1,736.70 50.19 54.47

0.51

10,000.00 849 11,073 4.95 64.51 11,095.99 37,827.52 0.57 1.95

0.00 50.00 0.00 136.70 0.00 4.29

0.78

7,500.00 1,042 10,224 6.07 59.56 9,127.32 26,731.53 0.47 1.38

0.00 50.00 0.00 136.70 0.00 4.29

1.00

5,000.00 590 9,182 3.44 53.49 3,894.37 17,604.21 0.20 0.91

0.00 50.00 0.00 136.70 0.00 4.29

1.37

4,000.00 722 8,592 4.21 50.05 3,752.11 13,709.84 0.19 0.71

25.00 50.00 36.70 136.70 1.15 4.29

1.26

3,000.00 503 7,870 2.93 45.85 2,012.04 9,957.73 0.10 0.51

25.00 25.00 100.00 100.00 3.14 3.14

0.00

2,500.00 593 7,367 3.45 42.92 1,983.91 7,945.69 0.10 0.41

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,000.00 732 6,774 4.26 39.46 1,878.79 5,961.78 0.10 0.31

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,500.00 980 6,042 5.71 35.20 1,809.82 4,082.99 0.09 0.21

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 608 5,062 3.54 29.49 804.55 2,273.17 0.04 0.12

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 713 4,454 4.15 25.95 680.77 1,468.62 0.04 0.08

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500.00 649 3,741 3.78 21.79 397.49 787.85 0.02 0.04

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 526 3,092 3.06 18.01 175.36 390.36 0.01 0.02

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 552 2,566 3.22 14.95 131.12 215.01 0.01 0.01

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 368 2,014 2.14 11.73 41.84 83.89 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 1,646 1,646 9.59 9.59 42.05 42.05 0.00 0.00

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



46

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 1 1 0.51

4 200.00 2 3 1.39

5 300.00 0 3 0.00

6 500.00 2 5 0.72

7 750.00 0 5 0.00

8 1,000.00 0 5 0.00

9 1,500.00 0 5 0.00

10 2,000.00 0 5 0.00

11 2,500.00 0 5 0.00

12 3,000.00 0 5 0.00

13 4,000.00 0 5 0.00

14 5,000.00 0 5 0.00

15 7,500.00 0 5 0.00

16 10,000.00 0 5 0.00

17 20,000.00 0 5 0.00

18 50,000.00 0 5 0.00

19 100,000.00 0 5 0.00

20 500,000.00 0 5 0.00 0.020.00 100.00 0.00 83.94 0.00 100.00

0.03

UP 59 66,245 0.09 100.00 114,647.18 402,150.84 28.51 100.00

0.00 100.00 0.00 83.94 0.00 100.00

0.05

500,000.0

0

324 66,186 0.49 99.91 105,110.44 287,503.66 26.14 71.49

0.00 100.00 0.00 83.94 0.00 100.00

0.06

100,000.0

0

321 65,862 0.48 99.42 34,459.75 182,393.23 8.57 45.35

0.00 100.00 0.00 83.94 0.00 100.00

0.07

50,000.00 732 65,541 1.10 98.94 32,749.98 147,933.48 8.14 36.79

0.00 100.00 0.00 83.94 0.00 100.00

0.09

20,000.00 1,250 64,809 1.89 97.83 24,597.72 115,183.50 6.12 28.64

0.00 100.00 0.00 83.94 0.00 100.00

0.11

10,000.00 874 63,559 1.32 95.95 10,750.86 90,585.78 2.67 22.53

0.00 100.00 0.00 83.94 0.00 100.00

0.13

7,500.00 1,523 62,685 2.30 94.63 12,911.90 79,834.92 3.21 19.85

0.00 100.00 0.00 83.94 0.00 100.00

0.14

5,000.00 1,164 61,162 1.76 92.33 7,288.76 66,923.02 1.81 16.64

0.00 100.00 0.00 83.94 0.00 100.00

0.17

4,000.00 1,879 59,998 2.84 90.57 9,132.31 59,634.26 2.27 14.83

0.00 100.00 0.00 83.94 0.00 100.00

0.19

3,000.00 1,451 58,119 2.19 87.73 5,630.12 50,501.95 1.40 12.56

0.00 100.00 0.00 83.94 0.00 100.00

0.22

2,500.00 1,932 56,668 2.92 85.54 6,039.96 44,871.84 1.50 11.16

0.00 100.00 0.00 83.94 0.00 100.00

0.27

2,000.00 3,129 54,736 4.72 82.63 7,663.07 38,831.87 1.91 9.66

0.00 100.00 0.00 83.94 0.00 100.00

0.38

1,500.00 5,223 51,607 7.88 77.90 9,045.68 31,168.80 2.25 7.75

0.00 100.00 0.00 83.94 0.00 100.00

0.53

1,000.00 5,176 46,384 7.81 70.02 6,316.44 22,123.12 1.57 5.50

40.00 100.00 39.00 83.94 46.46 100.00

0.43

750.00 6,262 41,208 9.45 62.21 5,383.64 15,806.68 1.34 3.93

0.00 60.00 0.00 44.95 0.00 53.54

0.86

500.00 9,099 34,946 13.74 52.75 5,210.36 10,423.04 1.30 2.59

40.00 60.00 34.95 44.95 41.63 53.54

0.37

300.00 6,888 25,847 10.40 39.02 2,513.21 5,212.67 0.62 1.30

20.00 20.00 10.00 10.00 11.91 11.91

0.00

200.00 8,864 18,959 13.38 28.62 1,956.66 2,699.46 0.49 0.67

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 4,920 10,095 7.43 15.24 553.97 742.80 0.14 0.18

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 5,175 5,175 7.81 7.81 188.83 188.83 0.05 0.05

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



47

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00

UP 6 420 1.43 100.00 8,569.63 29,417.83 29.13 100.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500,000.0

0

52 414 12.38 98.57 12,434.00 20,848.20 42.27 70.87

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100,000.0

0

48 362 11.43 86.19 4,367.47 8,414.20 14.85 28.60

0.00 0.00 0.00 0.00 0.00 0.00

0.00

50,000.00 58 314 13.81 74.76 2,645.23 4,046.74 8.99 13.76

0.00 0.00 0.00 0.00 0.00 0.00

0.00

20,000.00 28 256 6.67 60.95 499.62 1,401.51 1.70 4.76

0.00 0.00 0.00 0.00 0.00 0.00

0.00

10,000.00 21 228 5.00 54.29 265.21 901.89 0.90 3.07

0.00 0.00 0.00 0.00 0.00 0.00

0.00

7,500.00 30 207 7.14 49.29 235.58 636.68 0.80 2.16

0.00 0.00 0.00 0.00 0.00 0.00

0.00

5,000.00 13 177 3.10 42.14 98.66 401.10 0.34 1.36

0.00 0.00 0.00 0.00 0.00 0.00

0.00

4,000.00 18 164 4.29 39.05 71.42 302.44 0.24 1.03

0.00 0.00 0.00 0.00 0.00 0.00

0.00

3,000.00 19 146 4.52 34.76 59.18 231.02 0.20 0.79

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,500.00 11 127 2.62 30.24 35.38 171.84 0.12 0.58

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,000.00 23 116 5.48 27.62 54.94 136.46 0.19 0.46

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,500.00 16 93 3.81 22.14 25.24 81.52 0.09 0.28

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 9 77 2.14 18.33 12.52 56.28 0.04 0.19

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 31 68 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

500.00 18 37 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

300.00 9 19 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

200.00 4 10 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

100.00 3 6 0.71 1.43 0.61 0.86 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 3 3 0.71 0.71 0.25 0.25 0.00 0.00

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



48

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 1 1 0.31

6 500.00 0 1 0.00

7 750.00 0 1 0.00

8 1,000.00 0 1 0.00

9 1,500.00 3 4 3.40

10 2,000.00 1 5 0.71

11 2,500.00 0 5 0.00

12 3,000.00 0 5 0.00

13 4,000.00 0 5 0.00

14 5,000.00 2 7 1.49

15 7,500.00 2 9 2.79

16 10,000.00 4 13 0.63

17 20,000.00 0 13 0.00

18 50,000.00 0 13 0.00

19 100,000.00 1 14 0.00

20 500,000.00 0 14 0.00 0.260.00 100.00 0.00 1,670.54 0.00 100.00

0.34

UP 95 94,290 0.10 100.00 155,899.30 640,941.40 24.32 100.00

7.14 100.00 4.14 1,670.54 0.25 100.00

0.49

500,000.0

0

535 94,195 0.57 99.90 147,449.95 485,042.09 23.01 75.68

0.00 92.86 0.00 1,666.41 0.00 99.75

0.62

100,000.0

0

780 93,660 0.83 99.33 70,215.15 337,592.14 10.96 52.67

0.00 92.86 0.00 1,666.41 0.00 99.75

0.87

50,000.00 1,776 92,880 1.88 98.50 75,103.81 267,376.99 11.72 41.72

28.57 92.86 301.07 1,666.41 18.02 99.75

0.94

20,000.00 2,409 91,104 2.55 96.62 47,791.49 192,273.18 7.46 30.00

14.29 64.29 555.00 1,365.33 33.22 81.73

0.65

10,000.00 1,592 88,695 1.69 94.07 19,901.27 144,481.68 3.11 22.54

14.29 50.00 319.96 810.33 19.15 48.51

0.48

7,500.00 2,486 87,103 2.64 92.38 21,500.62 124,580.41 3.35 19.44

0.00 35.71 0.00 490.38 0.00 29.35

0.54

5,000.00 1,881 84,617 1.99 89.74 12,303.63 103,079.79 1.92 16.08

0.00 35.71 0.00 490.38 0.00 29.35

0.63

4,000.00 2,640 82,736 2.80 87.75 13,441.65 90,776.16 2.10 14.16

0.00 35.71 0.00 490.38 0.00 29.35

0.71

3,000.00 2,109 80,096 2.24 84.95 8,398.32 77,334.51 1.31 12.07

7.14 35.71 62.33 490.38 3.73 29.35

0.71

2,500.00 2,703 77,987 2.87 82.71 8,758.57 68,936.19 1.37 10.76

21.43 28.57 410.61 428.05 24.58 25.62

0.04

2,000.00 4,654 75,284 4.94 79.84 12,060.52 60,177.62 1.88 9.39

0.00 7.14 0.00 17.44 0.00 1.04

0.06

1,500.00 10,603 70,630 11.25 74.91 18,623.35 48,117.10 2.91 7.51

0.00 7.14 0.00 17.44 0.00 1.04

0.10

1,000.00 8,512 60,027 9.03 63.66 11,159.18 29,493.75 1.74 4.60

0.00 7.14 0.00 17.44 0.00 1.04

0.15

750.00 7,204 51,515 7.64 54.63 6,605.03 18,334.57 1.03 2.86

7.14 7.14 17.44 17.44 1.04 1.04

0.00

500.00 9,311 44,311 9.87 46.99 5,710.12 11,729.54 0.89 1.83

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 6,301 35,000 6.68 37.12 2,390.89 6,019.42 0.37 0.94

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 9,690 28,699 10.28 30.44 2,148.90 3,628.53 0.34 0.57

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 8,590 19,009 9.11 20.16 1,017.36 1,479.63 0.16 0.23

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 10,419 10,419 11.05 11.05 462.27 462.27 0.07 0.07

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS

RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



49

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00

UP 401 16,282 2.46 100.00 1,050,137.22 1,626,955.35 64.55 100.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500,000.0

0

1,183 15,881 7.27 97.54 341,191.65 576,818.13 20.97 35.45

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100,000.0

0

980 14,698 6.02 90.27 95,606.04 235,626.48 5.88 14.48

0.00 0.00 0.00 0.00 0.00 0.00

0.00

50,000.00 1,632 13,718 10.02 84.25 73,239.76 140,020.43 4.50 8.61

0.00 0.00 0.00 0.00 0.00 0.00

0.00

20,000.00 1,486 12,086 9.13 74.23 29,938.71 66,780.68 1.84 4.10

0.00 0.00 0.00 0.00 0.00 0.00

0.00

10,000.00 784 10,600 4.82 65.10 9,819.24 36,841.97 0.60 2.26

0.00 0.00 0.00 0.00 0.00 0.00

0.00

7,500.00 1,037 9,816 6.37 60.29 9,195.69 27,022.73 0.57 1.66

0.00 0.00 0.00 0.00 0.00 0.00

0.00

5,000.00 588 8,779 3.61 53.92 3,831.81 17,827.04 0.24 1.10

0.00 0.00 0.00 0.00 0.00 0.00

0.00

4,000.00 749 8,191 4.60 50.31 3,858.32 13,995.23 0.24 0.86

0.00 0.00 0.00 0.00 0.00 0.00

0.00

3,000.00 516 7,442 3.17 45.71 2,116.11 10,136.91 0.13 0.62

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,500.00 581 6,926 3.57 42.54 1,897.47 8,020.79 0.12 0.49

0.00 0.00 0.00 0.00 0.00 0.00

0.00

2,000.00 694 6,345 4.26 38.97 1,824.47 6,123.32 0.11 0.38

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,500.00 956 5,651 5.87 34.71 1,849.92 4,298.85 0.11 0.26

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 653 4,695 4.01 28.84 881.58 2,448.94 0.05 0.15

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 691 4,042 4.24 24.82 633.94 1,567.35 0.04 0.10

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500.00 770 3,351 4.73 20.58 476.30 933.41 0.03 0.06

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 631 2,581 3.88 15.85 230.39 457.12 0.01 0.03

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 653 1,950 4.01 11.98 148.95 226.73 0.01 0.01

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 407 1,297 2.50 7.97 46.31 77.78 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 890 890 5.47 5.47 31.47 31.47 0.00 0.00

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



50

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 1 1 0.65

9 1,500.00 0 1 0.00

10 2,000.00 0 1 0.00

11 2,500.00 0 1 0.00

12 3,000.00 0 1 0.00

13 4,000.00 0 1 0.00

14 5,000.00 0 1 0.00

15 7,500.00 0 1 0.00

16 10,000.00 0 1 0.00

17 20,000.00 0 1 0.00

18 50,000.00 0 1 0.00

19 100,000.00 0 1 0.00

20 500,000.00 0 1 0.00 0.010.00 100.00 0.00 50.00 0.00 100.00

0.02

UP 44 61,077 0.07 100.00 115,787.78 344,745.14 33.59 100.00

0.00 100.00 0.00 50.00 0.00 100.00

0.04

500,000.0

0

274 61,033 0.45 99.93 87,167.70 228,957.37 25.28 66.41

0.00 100.00 0.00 50.00 0.00 100.00

0.04

100,000.0

0

221 60,759 0.36 99.48 21,633.28 141,789.67 6.28 41.13

0.00 100.00 0.00 50.00 0.00 100.00

0.05

50,000.00 523 60,538 0.86 99.12 24,506.42 120,156.39 7.11 34.85

0.00 100.00 0.00 50.00 0.00 100.00

0.07

20,000.00 897 60,015 1.47 98.26 20,028.24 95,649.97 5.81 27.75

0.00 100.00 0.00 50.00 0.00 100.00

0.07

10,000.00 676 59,118 1.11 96.79 8,611.58 75,621.73 2.50 21.94

0.00 100.00 0.00 50.00 0.00 100.00

0.09

7,500.00 1,182 58,442 1.94 95.69 10,210.82 67,010.15 2.96 19.44

0.00 100.00 0.00 50.00 0.00 100.00

0.10

5,000.00 907 57,260 1.49 93.75 5,861.67 56,799.33 1.70 16.48

0.00 100.00 0.00 50.00 0.00 100.00

0.11

4,000.00 1,422 56,353 2.33 92.27 6,936.65 50,937.67 2.01 14.78

0.00 100.00 0.00 50.00 0.00 100.00

0.13

3,000.00 1,218 54,931 1.99 89.94 4,646.28 44,001.02 1.35 12.76

0.00 100.00 0.00 50.00 0.00 100.00

0.14

2,500.00 1,556 53,713 2.55 87.94 4,817.40 39,354.74 1.40 11.42

0.00 100.00 0.00 50.00 0.00 100.00

0.18

2,000.00 2,584 52,157 4.23 85.40 6,235.06 34,537.34 1.81 10.02

100.00 100.00 50.00 50.00 100.00 100.00

0.00

1,500.00 4,497 49,573 7.36 81.16 7,654.89 28,302.28 2.22 8.21

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 4,743 45,076 7.77 73.80 5,741.25 20,647.39 1.67 5.99

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 5,751 40,333 9.42 66.04 4,939.27 14,906.15 1.43 4.32

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500.00 8,835 34,582 14.47 56.62 5,034.16 9,966.88 1.46 2.89

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 6,587 25,747 10.78 42.15 2,355.04 4,932.72 0.68 1.43

0.00 0.00 0.00 0.00 0.00 0.00

0.00

200.00 8,781 19,160 14.38 31.37 1,900.04 2,577.68 0.55 0.75

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 4,478 10,379 7.33 16.99 500.58 677.64 0.15 0.20

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 5,901 5,901 9.66 9.66 177.05 177.05 0.05 0.05

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



51

:

(a) (t)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.000.00 0.00100.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00

UP 7 379 1.85 100.00 7,904.59 23,897.32 33.08

66.92 0.00 0.00 0.00 0.00 0.00

0.00 0.00

500,000.0

0

40 372 10.55 98.15 7,644.18 15,992.73 31.99

34.94 0.00 0.00 0.00 0.00 0.00

0.00 0.00

100,000.0

0

47 332 12.40 87.60 4,569.84 8,348.55 19.12

15.81 0.00 0.00 0.00 0.00 0.00

0.00 0.00

50,000.00 63 285 16.62 75.20 2,483.45 3,778.71 10.39

5.42 0.00 0.00 0.00 0.00 0.00

0.00 0.00

20,000.00 32 222 8.44 58.58 536.16 1,295.26 2.24

3.18 0.00 0.00 0.00 0.00 0.00

0.00 0.00

10,000.00 23 190 6.07 50.13 247.82 759.10 1.04

2.14 0.00 0.00 0.00 0.00 0.00

0.00 0.00

7,500.00 20 167 5.28 44.06 155.53 511.28 0.65

1.49 0.00 0.00 0.00 0.00 0.00

0.00 0.00

5,000.00 7 147 1.85 38.79 54.14 355.75 0.23

1.26 0.00 0.00 0.00 0.00 0.00

0.00 0.00

4,000.00 14 140 3.69 36.94 68.58 301.61 0.29

0.98 0.00 0.00 0.00 0.00 0.00

0.00 0.00

3,000.00 13 126 3.43 33.25 52.69 233.03 0.22

0.75 0.00 0.00 0.00 0.00 0.00

0.00 0.00

2,500.00 12 113 3.17 29.82 44.72 180.34 0.19

0.57 0.00 0.00 0.00 0.00 0.00

0.00 0.00

2,000.00 15 101 3.96 26.65 40.90 135.62 0.17

0.40 0.00 0.00 0.00 0.00 0.00

0.00 0.00

1,500.00 26 86 6.86 22.69 51.87 94.72 0.22

0.18 0.00 0.00 0.00 0.00 0.00

0.00 0.00

1,000.00 6 60 1.58 15.83 6.32 42.85 0.03

0.15 0.00 0.00 0.00 0.00 0.00

0.00 0.00

750.00 16 54 4.22 14.25 16.06 36.53 0.07

0.09 0.00 0.00 0.00 0.00 0.00

0.00 0.00

500.00 10 38 2.64 10.03 9.37 20.48 0.04

0.05 0.00 0.00 0.00 0.00 0.00

0.00 0.00

300.00 8 28 2.11 7.39 4.97 11.11 0.02

0.03 0.00 0.00 0.00 0.00 0.00

0.00 0.00

200.00 10 20 2.64 5.28 4.55 6.14 0.02

0.01 0.00 0.00 0.00 0.00 0.00

0.00 0.00

100.00 5 10 1.32 2.64 1.06 1.59 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(s) (u)

50.00 5 5 1.32 1.32 0.54 0.54 0.00

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



52

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 2 2 0.68

4 200.00 1 3 0.30

5 300.00 16 19 1.15

6 500.00 4 23 2.26

7 750.00 1 24 0.56

8 1,000.00 2 26 0.71

9 1,500.00 4 30 3.49

10 2,000.00 2 32 1.96

11 2,500.00 2 34 2.26

12 3,000.00 3 37 0.82

13 4,000.00 3 40 1.70

14 5,000.00 7 47 16.66

15 7,500.00 3 50 1.28

16 10,000.00 4 54 1.58

17 20,000.00 6 60 1.81

18 50,000.00 4 64 2.42

19 100,000.00 3 67 6.42

20 500,000.00 0 67 0.00 2.130.00 100.00 0.00 15,983.63 0.00 100.00

3.73

UP 71 91,401 0.08 100.00 322,944.19 751,510.36 42.97 100.00

4.48 100.00 7,425.90 15,983.63 46.46 100.00

2.74

500,000.0

0

421 91,330 0.46 99.92 115,671.32 428,566.17 15.39 57.03

5.97 95.52 1,496.27 8,557.73 9.36 53.54

2.81

100,000.0

0

622 90,909 0.68 99.46 61,765.88 312,894.85 8.22 41.64

8.96 89.55 1,302.39 7,061.47 8.15 44.18

3.21

50,000.00 1,680 90,287 1.84 98.78 71,956.57 251,128.97 9.57 33.42

5.97 80.60 696.76 5,759.07 4.36 36.03

3.75

20,000.00 2,302 88,607 2.52 96.94 44,087.49 179,172.40 5.87 23.84

4.48 74.63 238.02 5,062.31 1.49 31.67

4.14

10,000.00 1,487 86,305 1.63 94.42 18,598.30 135,084.91 2.47 17.98

10.45 70.15 3,401.26 4,824.28 21.28 30.18

1.48

7,500.00 2,372 84,818 2.60 92.80 20,418.71 116,486.61 2.72 15.50

4.48 59.70 206.61 1,423.03 1.29 8.90

1.45

5,000.00 1,859 82,446 2.03 90.20 12,134.31 96,067.90 1.61 12.78

4.48 55.22 104.87 1,216.42 0.66 7.61

1.56

4,000.00 2,562 80,587 2.80 88.17 12,765.21 83,933.59 1.70 11.17

2.99 50.75 179.63 1,111.55 1.12 6.95

1.47

3,000.00 1,976 78,025 2.16 85.37 7,949.19 71,168.39 1.06 9.47

2.99 47.76 164.22 931.92 1.03 5.83

1.40

2,500.00 2,591 76,049 2.83 83.20 8,398.39 63,219.20 1.12 8.41

5.97 44.78 373.42 767.70 2.34 4.80

0.89

2,000.00 4,191 73,458 4.59 80.37 10,690.45 54,820.80 1.42 7.29

2.99 38.81 107.84 394.29 0.67 2.47

0.99

1,500.00 8,429 69,267 9.22 75.78 15,161.62 44,130.36 2.02 5.87

1.49 35.82 62.47 286.45 0.39 1.79

1.26

1,000.00 8,385 60,838 9.17 66.56 11,239.17 28,968.73 1.50 3.85

5.97 34.33 136.19 223.98 0.85 1.40

0.75

750.00 6,700 52,453 7.33 57.39 6,037.31 17,729.56 0.80 2.36

23.88 28.36 65.99 87.79 0.41 0.55

0.37

500.00 9,453 45,753 10.34 50.06 5,732.99 11,692.25 0.76 1.56

1.49 4.48 6.98 21.80 0.04 0.14

0.41

300.00 6,257 36,300 6.85 39.72 2,328.62 5,959.26 0.31 0.79

2.99 2.99 14.82 14.82 0.09 0.09

0.00

200.00 9,527 30,043 10.42 32.87 2,168.37 3,630.64 0.29 0.48

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 7,883 20,516 8.62 22.45 941.54 1,462.26 0.13 0.19

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 12,633 12,633 13.82 13.82 520.72 520.72 0.07 0.07

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



53

:

(a) (t)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.001,696,606.14 67.90 0.00 0.00100.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

UP 424 14,995 2.83 100.00 1,152,053.49

544,552.65 19.32 32.10 0.00 0.00 0.00

0.00 0.00 0.00 0.00

500,000.0

0

1,204 14,571 8.03 97.17 327,731.53

216,821.11 4.83 12.78 0.00 0.00 0.00

0.00 0.00 0.00 0.00

100,000.0

0

919 13,367 6.13 89.14 81,972.28

134,848.84 4.16 7.95 0.00 0.00 0.00

0.00 0.00 0.00 0.00

50,000.00 1,638 12,448 10.92 83.01 70,548.36

64,300.48 1.70 3.79 0.00 0.00 0.00

0.00 0.00 0.00 0.00

20,000.00 1,427 10,810 9.52 72.09 28,879.52

35,420.96 0.57 2.09 0.00 0.00 0.00

0.00 0.00 0.00 0.00

10,000.00 763 9,383 5.09 62.57 9,649.18

25,771.79 0.49 1.52 0.00 0.00 0.00

0.00 0.00 0.00 0.00

7,500.00 955 8,620 6.37 57.49 8,324.47

17,447.32 0.23 1.03 0.00 0.00 0.00

0.00 0.00 0.00 0.00

5,000.00 593 7,665 3.95 51.12 3,882.00

13,565.32 0.21 0.80 0.00 0.00 0.00

0.00 0.00 0.00 0.00

4,000.00 735 7,072 4.90 47.16 3,647.18

9,918.14 0.12 0.58 0.00 0.00 0.00

0.00 0.00 0.00 0.00

3,000.00 471 6,337 3.14 42.26 2,047.00

7,871.14 0.11 0.46 0.00 0.00 0.00

0.00 0.00 0.00 0.00

2,500.00 544 5,866 3.63 39.12 1,797.40

6,073.75 0.11 0.36 0.00 0.00 0.00

0.00 0.00 0.00 0.00

2,000.00 708 5,322 4.72 35.49 1,933.47

4,140.28 0.11 0.24 0.00 0.00 0.00

0.00 0.00 0.00 0.00

1,500.00 955 4,614 6.37 30.77 1,845.80

2,294.48 0.05 0.14 0.00 0.00 0.00

0.00 0.00 0.00 0.00

1,000.00 663 3,659 4.42 24.40 913.68

1,380.80 0.03 0.08 0.00 0.00 0.00

0.00 0.00 0.00 0.00

750.00 583 2,996 3.89 19.98 586.06

794.74 0.03 0.05 0.00 0.00 0.00

0.00 0.00 0.00 0.00

500.00 686 2,413 4.57 16.09 446.37

348.37 0.01 0.02 0.00 0.00 0.00

0.00 0.00 0.00 0.00

300.00 386 1,727 2.57 11.52 162.59

185.78 0.01 0.01 0.00 0.00 0.00

0.00 0.00 0.00 0.00

200.00 552 1,341 3.68 8.94 133.03

52.75 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

100.00 288 789 1.92 5.26 36.30

16.45 0.00 0.00 0.00 0.00 0.0050.00 501 501 3.34 3.34 16.45

(o) (p) (q) (r) (s) (u)(i) (j) (k) (l) (m) (n)

∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f) (g) (h)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

CUM

q/iFROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp

∑(d)

PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE

BAND

(i)/∑(i)

CUM

∑(j)f BAND

(m)/∑(m)


RISK & LOSS PROFILE

As At 30/06/2014


LOSS RATIOBAND

F PERCENTAGE Rp


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM


54

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 1 1 0.69

3 100.00 3 4 3.99

4 200.00 1 5 0.42

5 300.00 9 14 1.22

6 500.00 4 18 0.87

7 750.00 2 20 0.25

8 1,000.00 2 22 0.35

9 1,500.00 1 23 0.83

10 2,000.00 0 23 0.00

11 2,500.00 1 24 0.31

12 3,000.00 0 24 0.00

13 4,000.00 0 24 0.00

14 5,000.00 1 25 0.10

15 7,500.00 0 25 0.00

16 10,000.00 1 26 0.27

17 20,000.00 1 27 0.10

18 50,000.00 0 27 0.00

19 100,000.00 0 27 0.00

20 500,000.00 0 27 0.00 0.110.00 100.00 0.00 383.66 0.00 100.00

0.18

UP 43 59,127 0.07 100.00 123,845.51 342,435.36 36.17 100.00

0.00 100.00 0.00 383.66 0.00 100.00

0.28

500,000.0

0

243 59,084 0.41 99.93 80,148.12 218,589.85 23.41 63.83

0.00 100.00 0.00 383.66 0.00 100.00

0.33

100,000.0

0

212 58,841 0.36 99.52 22,983.37 138,441.74 6.71 40.43

3.70 100.00 25.15 383.66 6.56 100.00

0.39

50,000.00 533 58,629 0.90 99.16 24,545.68 115,458.36 7.17 33.72

3.70 96.30 50.00 358.51 13.03 93.44

0.43

20,000.00 810 58,096 1.37 98.26 18,475.26 90,912.69 5.40 26.55

0.00 92.59 0.00 308.51 0.00 80.41

0.48

10,000.00 640 57,286 1.08 96.89 8,177.55 72,437.43 2.39 21.15

3.70 92.59 10.12 308.51 2.64 80.41

0.55

7,500.00 1,122 56,646 1.90 95.80 9,901.48 64,259.87 2.89 18.77

0.00 88.89 0.00 298.38 0.00 77.77

0.61

5,000.00 864 55,524 1.46 93.91 5,359.23 54,358.40 1.57 15.87

0.00 88.89 0.00 298.38 0.00 77.77

0.70

4,000.00 1,373 54,660 2.32 92.45 6,614.77 48,999.17 1.93 14.31

3.70 88.89 13.67 298.38 3.56 77.77

0.75

3,000.00 1,191 53,287 2.01 90.12 4,383.99 42,384.40 1.28 12.38

0.00 85.19 0.00 284.72 0.00 74.21

0.85

2,500.00 1,491 52,096 2.52 88.11 4,606.33 38,000.40 1.35 11.10

3.70 85.19 48.70 284.72 12.69 74.21

0.86

2,000.00 2,454 50,605 4.15 85.59 5,841.82 33,394.08 1.71 9.75

7.41 81.48 25.21 236.01 6.57 61.52

1.04

1,500.00 4,277 48,151 7.23 81.44 7,206.97 27,552.26 2.10 8.05

7.41 74.07 13.45 210.81 3.51 54.95

1.31

1,000.00 4,492 43,874 7.60 74.20 5,326.82 20,345.29 1.56 5.94

14.81 66.67 43.05 197.35 11.22 51.44

1.53

750.00 5,894 39,382 9.97 66.61 4,935.16 15,018.46 1.44 4.39

33.33 51.85 61.12 154.30 15.93 40.22

1.83

500.00 9,051 33,488 15.31 56.64 5,004.32 10,083.30 1.46 2.94

3.70 18.52 10.00 93.18 2.61 24.29

3.10

300.00 6,877 24,437 11.63 41.33 2,392.49 5,078.98 0.70 1.48

11.11 14.81 79.38 83.18 20.69 21.68

0.55

200.00 9,160 17,560 15.49 29.70 1,989.10 2,686.49 0.58 0.78

3.70 3.70 3.80 3.80 0.99 0.99

0.00

100.00 4,668 8,400 7.89 14.21 550.40 697.39 0.16 0.20

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 3,732 3,732 6.31 6.31 146.99 146.99 0.04 0.04

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



55

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00

UP 5 441 1.13 100.00 3,082.34 20,834.91 14.79 100.00

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500,000.0

0

56 436 12.70 98.87 8,409.49 17,752.57 40.36 85.21

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100,000.0

0

55 380 12.47 86.17 5,288.89 9,343.08 25.38 44.84

0.00 0.00 0.00 0.00 0.00 0.00

0.00

50,000.00 61 325 13.83 73.70 2,619.52 4,054.19 12.57 19.46

0.00 0.00 0.00 0.00 0.00 0.00

0.00

20,000.00 37 264 8.39 59.86 658.85 1,434.67 3.16 6.89

0.00 0.00 0.00 0.00 0.00 0.00

0.00

10,000.00 18 227 4.08 51.47 217.83 775.82 1.05 3.72

0.00 0.00 0.00 0.00 0.00 0.00

0.00

7,500.00 28 209 6.35 47.39 200.41 557.98 0.96 2.68

0.00 0.00 0.00 0.00 0.00 0.00

0.00

5,000.00 12 181 2.72 41.04 67.69 357.58 0.32 1.72

0.00 0.00 0.00 0.00 0.00 0.00

0.00

4,000.00 13 169 2.95 38.32 61.85 289.89 0.30 1.39

0.00 0.00 0.00 0.00 0.00 0.00

0.00

3,000.00 11 156 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

2,500.00 7 145 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

2,000.00 35 138 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

1,500.00 26 103 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

1,000.00 10 77 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

750.00 7 67 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

500.00 14 60 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

300.00 11 46 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

200.00 15 35 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

100.00 10 20 2.27 4.54 1.28 1.73 0.01 0.01

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 10 10 2.27 2.27 0.45 0.45 0.00 0.00

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



56

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 1 1 1.47

3 100.00 1 2 0.75

4 200.00 0 2 0.00

5 300.00 0 2 0.00

6 500.00 1 3 2.22

7 750.00 2 5 0.41

8 1,000.00 3 8 3.97

9 1,500.00 2 10 1.39

10 2,000.00 3 13 0.41

11 2,500.00 2 15 5.00

12 3,000.00 3 18 1.30

13 4,000.00 1 19 0.89

14 5,000.00 1 20 0.02

15 7,500.00 2 22 0.09

16 10,000.00 1 23 0.22

17 20,000.00 3 26 0.15

18 50,000.00 6 32 0.47

19 100,000.00 4 36 3.38

20 500,000.00 7 43 51.17 9.7716.28 100.00 37,048.18 42,467.09 87.24 100.00

1.50

UP 49 83,090 0.06 100.00 72,398.64 434,867.35 16.65 100.00

9.30 83.72 3,680.92 5,418.91 8.67 12.76

0.69

500,000.0

0

387 83,041 0.47 99.94 108,974.39 362,468.71 25.06 83.35

13.95 74.42 236.79 1,737.99 0.56 4.09

0.74

100,000.0

0

520 82,654 0.63 99.48 49,898.26 253,494.32 11.47 58.29

6.98 60.47 87.63 1,501.20 0.21 3.53

0.97

50,000.00 1,399 82,134 1.68 98.85 58,023.61 203,596.05 13.34 46.82

2.33 53.49 76.77 1,413.57 0.18 3.33

1.21

20,000.00 1,811 80,735 2.18 97.17 35,219.21 145,572.44 8.10 33.48

4.65 51.16 12.69 1,336.80 0.03 3.15

1.37

10,000.00 1,152 78,924 1.39 94.99 13,744.78 110,353.23 3.16 25.38

2.33 46.51 3.72 1,324.11 0.01 3.12

1.64

7,500.00 1,951 77,772 2.35 93.60 16,207.64 96,608.46 3.73 22.22

2.33 44.19 85.83 1,320.39 0.20 3.11

1.74

5,000.00 1,505 75,821 1.81 91.25 9,646.08 80,400.82 2.22 18.49

6.98 41.86 139.58 1,234.55 0.33 2.91

1.82

4,000.00 2,145 74,316 2.58 89.44 10,709.41 70,754.74 2.46 16.27

4.65 34.88 331.24 1,094.97 0.78 2.58

1.43

3,000.00 1,727 72,171 2.08 86.86 6,627.67 60,045.33 1.52 13.81

6.98 30.23 31.07 763.73 0.07 1.80

1.60

2,500.00 2,383 70,444 2.87 84.78 7,618.63 53,417.66 1.75 12.28

4.65 23.26 126.59 732.66 0.30 1.73

1.65

2,000.00 3,612 68,061 4.35 81.91 9,129.87 45,799.03 2.10 10.53

6.98 18.60 407.65 606.07 0.96 1.43

0.75

1,500.00 6,019 64,449 7.24 77.57 10,258.45 36,669.16 2.36 8.43

4.65 11.63 41.64 198.42 0.10 0.47

0.97

1,000.00 8,592 58,430 10.34 70.32 10,206.39 26,410.70 2.35 6.07

2.33 6.98 131.58 156.79 0.31 0.37

0.25

750.00 7,041 49,838 8.47 59.98 5,936.46 16,204.32 1.37 3.73

0.00 4.65 0.00 25.20 0.00 0.06

0.48

500.00 8,459 42,797 10.18 51.51 5,064.41 10,267.86 1.16 2.36

0.00 4.65 0.00 25.20 0.00 0.06

0.81

300.00 5,674 34,338 6.83 41.33 2,102.86 5,203.45 0.48 1.20

2.33 4.65 14.20 25.20 0.03 0.06

0.91

200.00 8,905 28,664 10.72 34.50 1,892.18 3,100.59 0.44 0.71

2.33 2.33 11.00 11.00 0.03 0.03

0.00

100.00 6,432 19,759 7.74 23.78 747.46 1,208.42 0.17 0.28

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 13,327 13,327 16.04 16.04 460.95 460.95 0.11 0.11

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



57

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 1 1 43.54

10 2,000.00 0 1 0.00

11 2,500.00 0 1 0.00

12 3,000.00 0 1 0.00

13 4,000.00 0 1 0.00

14 5,000.00 0 1 0.00

15 7,500.00 0 1 0.00

16 10,000.00 0 1 0.00

17 20,000.00 0 1 0.00

18 50,000.00 0 1 0.00

19 100,000.00 0 1 0.00

20 500,000.00 0 1 0.00 0.060.00 100.00 0.00 760.22 0.00 100.00

0.17

UP 326 13,867 2.35 100.00 847,394.03 1,298,239.11 65.27 100.00

0.00 100.00 0.00 760.22 0.00 100.00

0.40

500,000.0

0

1,007 13,541 7.26 97.65 258,499.05 450,845.08 19.91 34.73

0.00 100.00 0.00 760.22 0.00 100.00

0.64

100,000.0

0

813 12,534 5.86 90.39 73,862.79 192,346.03 5.69 14.82

0.00 100.00 0.00 760.22 0.00 100.00

1.35

50,000.00 1,428 11,721 10.30 84.52 62,286.97 118,483.24 4.80 9.13

0.00 100.00 0.00 760.22 0.00 100.00

2.48

20,000.00 1,304 10,293 9.40 74.23 25,526.86 56,196.27 1.97 4.33

0.00 100.00 0.00 760.22 0.00 100.00

3.43

10,000.00 698 8,989 5.03 64.82 8,506.59 30,669.41 0.66 2.36

0.00 100.00 0.00 760.22 0.00 100.00

5.09

7,500.00 853 8,291 6.15 59.79 7,233.09 22,162.82 0.56 1.71

0.00 100.00 0.00 760.22 0.00 100.00

6.56

5,000.00 520 7,438 3.75 53.64 3,347.18 14,929.73 0.26 1.15

0.00 100.00 0.00 760.22 0.00 100.00

8.75

4,000.00 584 6,918 4.21 49.89 2,890.30 11,582.55 0.22 0.89

0.00 100.00 0.00 760.22 0.00 100.00

11.03

3,000.00 454 6,334 3.27 45.68 1,801.93 8,692.25 0.14 0.67

0.00 100.00 0.00 760.22 0.00 100.00

14.10

2,500.00 475 5,880 3.43 42.40 1,499.99 6,890.32 0.12 0.53

100.00 100.00 760.22 760.22 100.00 100.00

0.00

2,000.00 679 5,405 4.90 38.98 1,746.15 5,390.34 0.13 0.42

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,500.00 806 4,726 5.81 34.08 1,426.98 3,644.19 0.11 0.28

0.00 0.00 0.00 0.00 0.00 0.00

0.00

1,000.00 685 3,920 4.94 28.27 894.44 2,217.21 0.07 0.17

0.00 0.00 0.00 0.00 0.00 0.00

0.00

750.00 594 3,235 4.28 23.33 522.29 1,322.77 0.04 0.10

0.00 0.00 0.00 0.00 0.00 0.00

0.00

500.00 795 2,641 5.73 19.05 480.36 800.48 0.04 0.06

0.00 0.00 0.00 0.00 0.00 0.00

0.00

300.00 376 1,846 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

200.00 486 1,470 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

100.00 387 984 2.79 7.10 43.68 62.75 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 597 597 4.31 4.31 19.07 19.07 0.00 0.00

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM

(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY


RISK & LOSS PROFILE

As At 30/06/2014



58

:

(a) (t) (u)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 1 1 0.61

4 200.00 0 1 0.00

5 300.00 4 5 1.57

6 500.00 1 6 0.99

7 750.00 1 7 0.57

8 1,000.00 0 7 0.00

9 1,500.00 0 7 0.00

10 2,000.00 1 8 1.02

11 2,500.00 0 8 0.00

12 3,000.00 0 8 0.00

13 4,000.00 1 9 2.73

14 5,000.00 0 9 0.00

15 7,500.00 0 9 0.00

16 10,000.00 0 9 0.00

17 20,000.00 0 9 0.00

18 50,000.00 0 9 0.00

19 100,000.00 0 9 0.00

20 500,000.00 0 9 0.00 0.100.00 100.00 0.00 371.79 0.00 100.00

0.18

UP 53 67,168 0.08 100.00 160,267.17 363,102.65 44.14 100.00

0.00 100.00 0.00 371.79 0.00 100.00

0.29

500,000.0

0

249 67,115 0.37 99.92 74,369.35 202,835.48 20.48 55.86

0.00 100.00 0.00 371.79 0.00 100.00

0.35

100,000.0

0

197 66,866 0.29 99.55 20,830.21 128,466.13 5.74 35.38

0.00 100.00 0.00 371.79 0.00 100.00

0.43

50,000.00 462 66,669 0.69 99.26 20,253.98 107,635.92 5.58 29.64

0.00 100.00 0.00 371.79 0.00 100.00

0.52

20,000.00 743 66,207 1.11 98.57 16,372.63 87,381.94 4.51 24.07

0.00 100.00 0.00 371.79 0.00 100.00

0.59

10,000.00 567 65,464 0.84 97.46 7,476.84 71,009.30 2.06 19.56

0.00 100.00 0.00 371.79 0.00 100.00

0.67

7,500.00 941 64,897 1.40 96.62 8,299.46 63,532.47 2.29 17.50

11.11 100.00 130.73 371.79 35.16 100.00

0.48

5,000.00 762 63,956 1.13 95.22 4,787.17 55,233.00 1.32 15.21

0.00 88.89 0.00 241.06 0.00 64.84

0.54

4,000.00 1,244 63,194 1.85 94.08 5,969.82 50,445.83 1.64 13.89

0.00 88.89 0.00 241.06 0.00 64.84

0.59

3,000.00 1,066 61,950 1.59 92.23 3,939.50 44,476.01 1.08 12.25

11.11 88.89 41.94 241.06 11.28 64.84

0.55

2,500.00 1,348 60,884 2.01 90.64 4,123.45 40,536.51 1.14 11.16

0.00 77.78 0.00 199.12 0.00 53.56

0.64

2,000.00 2,238 59,536 3.33 88.64 5,377.39 36,413.06 1.48 10.03

0.00 77.78 0.00 199.12 0.00 53.56

0.82

1,500.00 3,929 57,298 5.85 85.31 6,720.26 31,035.67 1.85 8.55

11.11 77.78 35.01 199.12 9.42 53.56

0.90

1,000.00 5,160 53,369 7.68 79.46 6,169.59 24,315.42 1.70 6.70

11.11 66.67 73.13 164.11 19.67 44.14

0.85

750.00 8,298 48,209 12.35 71.77 7,414.63 18,145.83 2.04 5.00

44.44 55.56 77.26 90.98 20.78 24.47

0.24

500.00 8,885 39,911 13.23 59.42 4,934.23 10,731.19 1.36 2.96

0.00 11.11 0.00 13.72 0.00 3.69

0.40

300.00 6,837 31,026 10.18 46.19 2,404.90 5,796.96 0.66 1.60

11.11 11.11 13.72 13.72 3.69 3.69

0.00

200.00 10,617 24,189 15.81 36.01 2,262.20 3,392.06 0.62 0.93

0.00 0.00 0.00 0.00 0.00 0.00

0.00

100.00 7,682 13,572 11.44 20.21 890.50 1,129.86 0.25 0.31

0.00 0.00 0.00 0.00 0.00 0.00

(s)

50.00 5,890 5,890 8.77 8.77 239.36 239.36 0.07 0.07

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f)rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in Million Rp)

GROSS PREMIUM

(In Million Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 30/06/2014



59

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

Indonesian Earthquake Distribution by Province, Underwriting Year 2014, as at 30 June 2014

60

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2014

Indonesian Earthquake Distribution M > 5 and Claim Incurred 2014

61

Indonesian Earthquake Distribution by Province, Underwriting Year 2014, as at 30 June 2014, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2014

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

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2014

62

Damage ratio dari Gempa Padang 2007

diproses berdasarkan 97 klaim di daerah

terdampak. Gempa terjadi pada tanggal 6 Maret

2007 dengan magnitudo 5.8 SR dan kedalaman

33 km (BMG, 2007). Episenter gempa berada di

darat sekitar 19 km selatan kota Bukit Tinggi

atau 50 km utara kota Padang.

Lokasi dan mekanisme fokus gempa ini

menunjukkan goncangan terjadi di Sesar

Sumatera, yaitu sesar geser yang menjangkau

sepanjang pulau Sumatera.

Gempa ini merusak kota Bukit Tinggi

dengan MMI VIII. Getaran gempa juga

dirasakan dibeberapa daerah lain seperti kota

Padang (MMI VI) dan Tanah Datar (MMI VIII).

Berdasarkan data klaim dari Gempa

Padang 2007, menunjukkan pembagian zona

dengan MMI sebagai berikut:

1. Zona MMI VI:

a. Rata-rata kerusakan 0.59%,

b. Sebaran tertinggi kerusakan

berada di rusak sangat ringan (5%)

yaitu 1.29% dari portfolio di zona

tersebut.

2. Zona MMI VII:

a. Rata-rata kerusakan 2.47%,

b. Sebaran tertinggi kerusakan

berada di rusak sangat ringan (5%)

yaitu 5.88% dari portfolio di zona

tersebut.

c. Sedangkan untuk rusak ringan

(20%) dan rusak sedang (45%)

jumlah kerusakan adalah 2.94%

dan 2.21% dari portfolio di zona

tersebut.

Damage ratio of Padang Earthquake

2007 was processed based on 97 claims in

affected area. Earthquake occurred on March 6th

2007 with magnitude 5.8 SR at depth 33 km

(BMG, 2007). Epicenter was located at 19 km

South of Bukit Tinggi or 50 km north of Padang.

The earthquake location and focus-

mechanism are shown shock occurring on the

Sumatera Fault, i.e. shear fault that extends

along the Sumatera Island.

This earthquake damaged Bukit Tinggi

with MMI VIII. The shock was also felt in several

other areas such as Padang (MMI VI) and Tanah

Datar (MMI VIII).

Based on claims data of Padang

Earthquake 2007, show the zone distribution

with the following MMI:

1. Zone MMI VI:

a. Mean damage factor is 0.59%,

b. The highest damage distribution is

in very light damage (5%) which is

1.29% of the portfolio in the area.

2. Zone MMI VII:

a. Mean damage factor is 2.47%,

b. The highest damage distribution is

in very light damage (5%) i.e.


c. As for the light damage (20%) and

moderate damage (45%), the

amount of damage is 2.94% and


DAMAGE RATIO

63

3. Zona MMI VIII: a. Rata – rata kerusakan sudah cukup

tinggi yaitu 10.88% dari portfolio yang berada di zona tersebut.

b. Mengalami rusak ringan (20%) yaitu 20% dari portfolio, rusak berat (80%) yaitu 5% dari portfolio dan kerugian total (100%) yaitu 2.5% dari portfolio.

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

3. Zone MMI VIII: a. Mean damage factor is quite high

at 10.88% of the portfolio in the area.

b. Suffered light damage (20%) i.e. 20% of portfolio, heavy damage (80%) i.e. 5% of portfolio, and total damage (100% loss) i.e. 2.5% of portfolio.

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

Tabel Mean Damage / Mean Damage Table

MeFactor

Da

ma

ge

Ra

tio

(%

)

Claim Number (%)

0.00% 5.00% 10.00%

0.5%

5.0%

20.0%

45.0%

80.0%

100.0%

MMI VI

0.00% 5.00% 10.00%

0.5%

5.0%

20.0%

45.0%

80.0%

100.0%

MMI VII

0.00% 5.00% 10.00% 15.00% 20.00%

0.5%

5.0%

20.0%

45.0%

80.0%

100.0%

MMI VIII

64

PENGANTAR

Chain-ladder merupakan salah satu

metode perhitungan cadangan klaim IBNR yang

sering digunakan oleh industri asuransi umum di

dunia, demikian juga di Indonesia. Di bawah ini

disajikan penjelasan beserta contoh ilustrasi

yang merujuk pada makalah Thomas Mack

(1993) tentang estimasi cadangan klaim IBNR

menggunakan metode chain ladder dan

perhitungan standard error estimator.

FAKTOR CHAIN-LADDER

Misalkan 𝐶𝑖,𝑘 adalah besar klaim

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

development year 𝑘 = 1,2, … , 𝑛.

Di bawah ini diberikan contoh suatu

segitiga run-off kumulasi dengan 𝑛 = 6 (Data

yang digunakan dalam contoh ini diambil dari

Schmidt (2008)):

INTRODUCTION

Chain-ladder method is one method

often used by many general insurance

companies in the world, including in Indonesia,

to calculate IBNR claim reserves . The following

is an explanation with illustrative examples

which refers to a paper by Thomas Mack (1993)

on estimating IBNR claims reserve using chain

ladder method and calculating its standard error.

CHAIN-LADDER FACTOR

Let 𝐶𝑖,𝑘 be a cumulative claim amount

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

year 𝑘 = 1,2,… , 𝑛.

Below is given an example of a

cumulative run-off triangle with 𝑛 = 6 (The

data used as an example is taken from Schmidt

(2008)):

Development Year k

1 2 3 4 5 6

Acc

iden

t Y

ear

i

1 𝐶1,1 = 1001 𝐶1.2 = 1855 𝐶1.3 = 2423 𝐶1.4 = 2988 𝐶1.5 = 3335 𝐶1.6 = 3483

2 𝐶2,1 = 1113 𝐶2.2 = 2103 𝐶2.3 = 2774 𝐶2.4 = 3422 𝐶2.5 = 3844

3 𝐶3,1 = 1265 𝐶3.2 = 2433 𝐶3.3 = 3233 𝐶3.4 = 3977

4 𝐶4,1 = 1490 𝐶4,2 = 2873 𝐶4.3 = 3880

5 𝐶5,1 = 1725 𝐶5,2 = 3261

6 𝐶6,1 = 1889

STANDARD ERROR OF CHAIN-LADDER RESERVE ESTIMATES WITHOUT

TAIL FACTOR: RECURSIVE CALCULATION

65

Bagian atas dari suatu run-off triangle

adalah hasil pengamatan atau observasi dan

bagian bawah dari segitiga tersebut perlu

ditaksir (pada tabel di atas ditandai dengan sel

berwarna kuning). Metode chain ladder adalah

salah satu metode segitiga yang dapat

digunakan untuk menaksir bagian bawah run-off

triangle tersebut.

Metode chain-ladder yang akan

dibahas dalam tulisan ini adalah metode chain

ladder tanpa tail factor; dengan kata lain

development year berakhir pada 𝑛.

Metode chain ladder mengasumsikan

terdapat suatu development factor atau age-to-

age factor 𝑓𝑘 sedemikian sehingga

Dengan 𝑓𝑘 ditaksir menggunakan

estimator.

Contoh:

dst.

The upper part of a run-off triangle is the

observations whereas the lower part (the yellow

coloured cells) need to be estimated. The chain

ladder method is a triangular method which may

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

triangle.

The chain ladder method discussed

here is that without tail factor; hence, the

development year ends in development year 𝑛.

The chain ladder method assumed that

there is a development factor or age-to-age

factor 𝑓𝑘 such that

Where 𝑓𝑘 is estimated using the

estimator.

Example:

and so forth

𝑓1 =1855 + 2103 +⋯+ 3261

1001 + 1113 +⋯+ 1725= 1,899454

𝑓2 =2423 + 2774 +⋯+ 3880

1855 + 2103 +⋯+ 2873= 1,3288

𝑓3 =2988 + 3422 + 3977

2423 + 2774 + 3233= 1,232147

𝑓𝑘 =∑ 𝐶𝑖,𝑘+1𝑛−𝑘𝑖=1

∑ 𝐶𝑖𝑘𝑛−𝑘𝑖=1

, 1 ≤ 𝑘 ≤ 𝑛 − 1

𝐸(𝐶𝑖,𝑘+1|𝐶𝑖1, … , 𝐶𝑖𝑘) = 𝐶𝑖𝑘𝑓𝑘

𝐸(𝐶𝑖𝑛|𝐶𝑖1, … , 𝐶𝑖,𝑛+1−𝑖) = 𝐶𝑖,𝑛+1−𝑖𝑓𝑛+1−𝑖 ∗ …∗ 𝑓𝑛−1

66

Sehingga diperoleh tabel development

factor 𝑓𝑘 di bawah ini:

PERHITUNGAN REKURSIF “STANDARD

ERROR”

Untuk menghitung standard error dari

taksiran segitiga bawah, sebelumnya harus

dihitung �̂�𝑘2, yaitu:

Dengan:

Contoh:

Dari perhitungan di atas, diperoleh tabel

�̂�𝑘2 berikut:

Hence, a table of development factors

𝑓𝑘 below is obtained:

RECURSIVE CALCULATION OF THE

STANDARD ERROR

To calculate the standard error of the

estimated lower triangle of a run-off triangle, �̂�𝑘2

need to be calculated, that is:

Where:

Example:

From the calculation above �̂�𝑘2 is

obtained as shown below:

�̂�𝑘2 =

1

𝑛−𝑘−1∑ 𝐶𝑖𝑘 (

𝐶𝑖,𝑘+1

𝐶𝑖,𝑘− 𝑓𝑘)

2𝑛−𝑘𝑖=1 , 1 ≤ 𝑘 ≤ 𝑛 − 2

�̂�𝑛−12 = 𝑚𝑖𝑛 (

�̂�𝑛−24

�̂�𝑛−32 , 𝑚𝑖𝑛(�̂�𝑛−3

2 , �̂�𝑛−22 ))

�̂�12 =

1

6 − 1 − 1× {[1001 × (1.85315 − 1.89945)2] + ⋯+ [1725 × (1.89043 − 1.89945)2]}

= 1,087026

�̂�22 =

1

6 − 2 − 1× {[1855 × (1.3062 − 1.3288)2] + ⋯+ [2873 × (1.3505 − 1.3288)2]} = 0,833379

�̂�52 = 𝑚𝑖𝑛 (

0,0824292

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

Development Year 𝒌

1 2 3 4 5

�̂�𝟐 1,087026 0,833379 0,010814 0,082429 0,010814

Development Year 𝒌

1 2 3 4 5 6

𝑓 1,899454 1,3288 1,232147 1,119969 1,044378

67

Berikut adalah formula untuk

menghitung standard error dari �̂�𝑖𝑛, yang

kemudian digunakan untuk menghitung

standard error dari �̂�𝑖 = �̂�𝑖𝑛 − 𝐶𝑖,𝑛+1−𝑖 yang

merupakan estimator cadangan klaim 𝑅𝑖 =

𝐶𝑖𝑛 − 𝐶𝑖,𝑛+1−𝑖

Contoh:

dst.

Dari perhitungan di atas, diperoleh tabel

standard error (𝑠. 𝑒. (𝑅𝑖))2 berikut:

Here is the formula to calculate the

standard error of �̂�𝑖𝑛 , which will be used to

calculate the standard error of �̂�𝑖 = �̂�𝑖𝑛 −

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

𝐶𝑖𝑛 − 𝐶𝑖,𝑛+1−𝑖

Example:

and so forth.

From the calculation above, the table of

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

𝑚𝑠𝑒(�̂�𝑖)̂ = (𝑠. 𝑒. (�̂�𝑖𝑛))

2= �̂�𝑖𝑛

2 ∑�̂�𝑘2

𝑓𝑘2(1

�̂�𝑖𝑘+

1

∑ 𝐶𝑗𝑘𝑛−𝑘𝑗=1

)

𝑛−1

𝑘=𝑛+1−𝑖

(𝑠. 𝑒. (�̂�16))2= (𝑠. 𝑒. (𝑅1̂))

2= 0 , karena (𝑘 = 𝑛 + 1 − 1) > (𝑛 − 1)

(𝑠. 𝑒. (�̂�26))2= (𝑠. 𝑒. (𝑅2̂))

2= 4014.592 × {[

0.01081

1.044382× (

1

3844+

1

3335)]} = 89,48

(𝑠. 𝑒. (�̂�36))2= (𝑠. 𝑒. (𝑅3̂))

2

= 4651.782 × {[0.08243

1.119972× (

1

3977+

1

2988 + 3422)] + [

0.01081

1.044382× (

1

4454.12+

1

3335)]}

= 691,90

(𝒔. 𝒆. (𝑹�̂�))

𝟐

Acc

iden

t Y

ear 𝒊

1 -

2 89,48

3 691,90

4 985,08

5 8.789,30

6 19.638,88

68

Untuk memperoleh (𝒔. 𝒆. (�̂�))𝟐,tidak

bisa hanya dengan menambahkan nilai-nilai

(𝒔. 𝒆. (𝑹�̂�))𝟐, 𝟐 ≤ 𝒊 ≤ 𝒏, karena mereka

berkorelasi melalui estimator 𝒇�̂� dan 𝝈�̂�. Oleh

karena itu digunakan fungsi berikut:

Contoh:

KESIMPULAN

Dari perhitungan di atas diperoleh

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

Apabila asumsi kenormalan dapat digunakan,

maka diasumsikan 𝜇𝑂�̂� ~ 𝑁 (𝑅,𝑚𝑠𝑒(�̂�)̂ )

dengan 𝜇𝑂�̂� adalah estimasi cadangan IBNR.

Menggungakan asumsi tersebut, dapat

ditentukan suatu estimasi cadangan dengan

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

To obtain the (𝒔. 𝒆. (�̂�))𝟐, we cannot

simply add together the values

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

correlated via common estimator 𝒇�̂� dan 𝝈�̂�.

Therefore, the following function is used:

Example:

CONCLUSION

From the calculation above, it is

obtained that the standard error is equal to

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

is probable, then 𝜇𝑂�̂� ~ 𝑁 (𝑅,𝑚𝑠𝑒(�̂�)̂ ) with

𝜇𝑂�̂� is an estimate of the IBNR reserve. Using

that assumption, it possible to obtain an

estimate of the reserve with “a probability of

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

𝑚𝑠𝑒(�̂�)̂ = (𝒔. 𝒆. (�̂�))𝟐=∑

{

(𝑠. 𝑒. (𝑅�̂�))2+ 𝐶𝑖�̂� ( ∑ 𝐶𝑗�̂�

𝑛

𝑗=𝑖+1

) ∑

2�̂�𝑘2

𝑓𝑘2⁄

∑ 𝐶𝑚𝑘𝑛−𝑘𝑚=1

𝑛−1

𝑘=𝑛+1−𝑖}

𝑛

𝑖=2

(𝒔. 𝒆. (�̂�))𝟐=∑

{

(𝑠. 𝑒. (𝑅�̂�))2+ 𝐶𝑖6̂( ∑ 𝐶𝑗6̂

6

𝑗=𝑖+1

) ∑

2�̂�𝑘2

𝑓𝑘2⁄

∑ 𝐶𝑚𝑘6−𝑘𝑚=1

6−1

𝑘=6+1−𝑖}

6

𝑖=2

= 40.699,65

REFERENSI/REFERENCE

1. Mack, Th. (1993), Distribution-Free Calculation of the Standard Error of Chain Ladder Reserve

Estimates. ASTIN Bulletin, 23, 213-225.

2. Schmidt, K.D. (2008), Bornhuetter-Ferguson as a General Principle of Loss Reserving. ASTIN

Conference, 1-133.

69

GLOSSARIES

1. OCCUPATION :

A - AGRICULTURAL

C - COMMERCIAL

I - INDUSTRIAL

R - RESIDENTIAL

2. ZONES (BASED ON CRESTA-Catastrophe Risk Evaluating and Standardizing Target

Accumulations) :

1.1 - Banda Aceh

1.2 - Medan

1.3 - Others

1 - North Sumatera

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

Lampiran 1 / Attachment 1

70

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

3. f : Frequencies

F : Accumulations of frequencies

Cum : Cumulative (increasing in amount by one addition after another)

4. Incurred Claim

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

5. Sum Insured The Sum Insured represents 100% Sum Insured

6. Gross Premium Gross Premium represent 100% premium

7. Loss Ratio The percentage ratio of Incurred claims to Gross Premium

71

(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

Zona I Zona II Zona III Zona IV Zona V

< 9 Storeys 0,90 0,95 1,25 1,50 1,90

> 9 Storeys 1,35 1,45 1,55 1,60 2,00

1,00 1,10 1,55 3,00 4,70

Zona I Zona II Zona III Zona IV Zona V

0,85 0,95 1,15 1,35 1,60

0,90 1,00 1,55 2,75 4,50

Zona mengacu pada tabel Zona

Aturan Tambahan

1.

2.

Dwelling House - Occupation Code 2976

Others

Steel, Wood and RC Frame

Kelas Konstruksi

sejenisnya, tingginya tower (dihitung dari permukaan tanah) dianggap sebagai ukuran jumlah lantai, dengan menggunakan

dasar perhitungan tinggi 1 (satu) lantai adalah +/- 4 meter.

Untuk gedung bertingkat yang mempunyai bangunan di bawah tanah yang lazim disebut "Basement " atau "Semi

Dengan demikian, semua lantai dihitung, baik lantai yang ada di atas tanah maupun yang dibawah tanah.

Untuk Tower antena yang lazim digunakan sebagai pemancar radio, jaringan listrik, jaringan telepon genggam dan

Basement" atau dengan nama apapun, lantai bawah tanah tersebut juga diperhitungkan dalam menentukan jumlah lantai.

Steel, Wood and RC Frame

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.

Tarif Premi per mil (‰ )

Tarif Premi per mil (‰ )

Commercial and Industrial (Non Dwelling House)

Others

Kelas Konstruksi


72

Others (Incl. No Frame) : struktur bangunan selain konstruksi baja, beton bertulang

atau rangka kayu; termasuk bangunan yang terbuat dari

susunan batu tanpa rangka

DWELLING HOUSE : Obyek dengan kode okupasi 2976

Steel, Wood or RC Frame : struktur bangunan rumah tinggal dengan konstruksi baja,

beton bertulang atau rangka kayu

Others : struktur bangunan rumah tinggal selain konstruksi baja,

beton bertulang atau rangka kayu termasuk bangunan

rumah tinggal yang terbuat dari susunan batu tanpa

rangka.

73



74

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


75

Indemnity

Period

1 bulan 20% x 100% tarif premi









21 bulan 91.5% x 100% tarif premi





SKALA TARIF PREMI GANGGUAN USAHA (BUSINESS INTERRUPTION)

Tarif Premi untuk jaminan gangguan usaha (Business Interruption)

berlaku skala sebagai berikut :

Untuk Indemnity Period lebih dari 48 bulan

penetapan prosentase dari tarif premi

diserahkan kepada underwriter Perusahaan

Asuransi Umum

Prosentase (%) dari Tarif

Premi



76

Provinsi Kota/ Kabupaten Cresta Zona

KAB. SIMEULUE 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

CRESTA ZONE dan Zona

Nanggroe Aceh Darussalam

Sumatra Utara


77


KAB. KEPULAUAN MENTAWAI 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

Jambi

Sumatra Selatan

Sumatra Barat

Riau

78


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

Bengkulu

Lampung

Kepulauan Bangka Belitung

Kepulauan Riau

Banten

Daerah Khusus Ibukota Jakarta

79


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

Jawa Tengah

Jawa Barat

80

Provinsi Kota/ Kabupaten Cresta ZonaJawa Tengah KAB. PEKALONGAN 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

Daerah Istimewa Yogyakarta

Jawa Timur

81


KAB. JEMBRANA 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

Kalimantan Barat

Bali

Nusa Tenggara Barat

Nusa Tenggara Timur

82


KAB. KOTAWARINGIN BARAT 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

Kalimantan Tengah

Kalimantan Selatan

Kalimantan Timur

Sulawesi Utara

83


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

Sulawesi Tengah

Sulawesi Selatan

Sulawesi Tenggara

Gorontalo

84


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

Papua

Sulawesi Barat

Maluku

Maluku Utara

Papua Barat

pt reasuransi maipark indonesia 1 · 2016. 12. 22. · 2,500,000.00 (dua juta lima ratus ribu...

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