ANALISIS TARIF PREMI DAN ASUMSI LOADING PADA PRODUK ASURANSI DWIGUNA BEASISWA

Ira Rosianal Hikmah, Yulial Hikmah


DOI: https://doi.org/10.14710/jfma.v3i1.7414

Abstract


Based on data from Badan Pusat Statistik (BPS), the number of Indonesia's population has consistently increased every year. This will cause several problems, one of them is public health. Health problems that occur cause some risks that cause losses. Therefore, one way to reduce the impact of these risks is insurance. This study analyzes how the process of forming premium prices with loading assumptions that are in accordance with existing assumptions in order to meet the criteria of equitable to the client, deliverable by the agent, and profitable to the company. This research uses a quantitative research approach. The population in this study was all Sum Insured (SI) while the sample was 1000 SI male sex. The data used in this study are secondary data that is data from an ABC insurance company in Indonesia, literature study through books, journal references, and previous research. The results of this study are the calculation of premiums by the methods used by the company more efficiently when compared with formulas in accordance with the theory. Although the price of a premium is more expensive using the company method, it is not significantly different. If using the company method, the sum insured used is the sum insured from death benefit whereas the theory is the average of claims incurred at that age. The fees charged are still fairly reasonable in accordance with the rules of setting the price of insurance premiums. In addition, the use of CSO 80 tables and Reinsurance Rates that have been adjusted to the company's interest rate of 5% in accordance with the expected cash value desired by the company.


Full Text:

PDF

References


T. E. Rahayu, “Pertumbuhan dan Persebaran Penduduk Indonesia (Hasil Sensus Penduduk 2010),” 2010. [Online]. Available: https://media.neliti.com/media/publications/49963-ID-pertumbuhan-danpersebaran-penduduk-indonesia.pdf. [Diakses 5 Agustus 2019].

R. Mehr dan E. Cammack, Principles of Insurance, 6th edition., Illnois, 1976.

H. Salim, Dasar-Dasar Asuransi, Jakarta: Raja Grafindo Persada, 2000.

K. Wollner, Richard J. Scislowski J.D., W. Jeffrey Woodward, How to Draft and Interpret Insurance Policies, International Risk Management Institute, Inc., 2010.

T. Futami, Matematika Asuransi Jiwa bagian 1, Tokyo: OLICD Center, 1993.

T. Futami, Matematika Asuransi Jiwa bagian 2, Tokyo: OLICD Center, 1994.

M. Iqbal, Pricing Asuransi Unit-Linked dengan Manfaat Terjamin, Universitas Indonesia, Depok, 2016.


Refbacks

  • There are currently no refbacks.


Publisher:

Department of Mathematics, Faculty of Science and Mathematics, Diponegoro University

Mailing address: Jl. Prof Soedarto, SH, Tembalang, Semarang, Indonesia 50275

Telp./Fax             : (+6224) 70789493 / (+62224) 76480922

Website              : www.math.fsm.undip.ac.id

E-mail                : admin.math@live.undip.ac.id

 

Indexed in:

GOOGLE SCHOLAR CROSSREF SINTA PORTAL GARUDA SCILIT DIMENSIONS