Struktur Pasar Market Structure Premi Bruto Gross Premium
PT REASURANSI MAIPARK INDONESIA DESEMBER 2015
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Pada SE OJK 2015 terbaru, sebanyak 134 Daerah Tingkat II KotaKabupaten
mengalami peningkatan risiko dan berpindah naik ke level zona di atasnya dibandingkan
dengan SE OJK 2013. Sedangkan 104 Daerah Tingkat II lainnya mengalami penurunan.
Sedangkan tarif mengalami penurunan pada Zona I
– IV dalam kisaran 4-21 sedangkan tarif pada Zona V tidak ada perubahan
Lampiran xx. According to SE OJK on 2015 the latest,
134 regency CityDistrict have increased the risk and shifts the level up compared to the
previous zone in the SE OJK 2013. While other 104 regency have change the rate zone drop.
Premium rate have drops in the range 4-21 for Zona I-IV while constant or no change in
zona V.
Selama tahun 2015, OJK telah menerbitkan regulasi terkait Gempa Bumi yaitu:
Surat Edaran Otoritas Jasa Keuangan Nomor
21SEOJK.052015, tentang Penetapan Tarif Premi Atau Kontribusi Pada Lini Usaha
Asuransi Harta Benda Dan Asuransi Kendaraan Bermotor Tahun 2015, tanggal 30
Juni 2015. During 2015, OJK has issued
regulations related to Earthquake i.e.: Financial Service Authority Service Circular Letter No
21SEOJK.052015, about Premium tarrif arrangement or Property lines of business
contribution and Motor Vehicle Insurance 2015, date June 30 2015.
B. Struktur Pasar B. Market Structure
Berdasarkan data OJK pada buku Direktori 2015: Industri Keuangan Non Bank, terdapat 76
perusahaan asuransi umum, 6 perusahaan reasuransi, 2 asuransi sosial, dan 3 perusahaan
asuransi wajib yang memiliki izin beroperasi di Indonesia.
Based on OJK data in the book of Directory 2015: Non Bank Financial Institution,
there are 76 general insurance companies, 6 reinsurance companies, 2 social insurance
companies, and 3 mandatory insurance companies having operating licenses in
Indonesia.
C. Premi Bruto C. Gross Premium
Sampai dengan 31 Desember 2015, premi bruto asuransi gempa bumi Underwriting
Year 2011 adalah sebesar Rp2.823,4 miliar. Premi bruto untuk Underwriting Year 2012
As at 30 June 2015, earthquake gross premium for Underwriting Year 2011 was
Rp2,823.4 billion.
Gross premium
for Underwriting Year 2012 was recorded
PT REASURANSI MAIPARK INDONESIA DESEMBER 2015
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tercatat Rp2.719,6 miliar, sedangkan untuk Underwriting Year 2013 adalah Rp4.530,3 miliar.
Untuk Underwriting Year 2014 dan 2015 adalah Rp5.004,5 miliar dan Rp2.634,9 miliar. Angka
– angka ini akan terus bergerak naik terutama
untuk Underwriting Year 2014 dan 2015. Rp2,719.6 billion, while for Underwriting Year
2013 was Rp4,530.3 billion. For Underwriting Year 2014 and 2015 were Rp5,004.5 billion and
Rp2,634.9 billion. These figures would certainly increase especially for Underwriting Year 2014
and 2015. Tabel 1.1 menyajikan rincian premi bruto
berdasarkan jenis okupasi dari Underwriting Year 2011 hingga Underwriting Year 2015.
Prosentase okupasi Industrial selalu berada pada posisi pendapatan tertinggi dibanding 3
tiga okupasi lainnya Agrikultural, Komersial, Residensial, yaitu di atas 48 dari total premi.
The table 1.1 shows the details of gross premium
based on
occupation from
Underwriting Year 2011 to Underwriting Year 2015. Industrial occupation always has the
biggest percentage income compared to 3 three remaining occupations Agricultural,
Commercial, Residential, that is above 48 from premium total.
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 Residensial pada
Underwriting Year 2014 yang meningkat sebesar 35,21 dari Rp473.260,42 juta di
Underwriting Year 2013 menjadi Rp639.897,49 juta. Faktor yang paling mempengaruhi angka
tersebut adalah kenaikan yang signifikan di Provinsi Jawa Tengah dan Jawa Timur,
terutama Kabupaten Semarang dan Kota Surabaya.
Kenaikan ini di duga diakibatkan oleh peletusan Gunung Kelud pada 13 Februari 2014
di daerah Jawa Timur dimana abu hasil peletusan menyebar hingga ke Kota Kabupaten
di Jawa Tengah dan Jawa Timur Ulasan 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 Residential occupation in Underwriting Year 2014 increased by 35.21 from
Rp473,260.42 million in Underwriting Year 2013 to Rp639,897.49 million. The most affected
factor to number of risks is due to the significant increasing in the Central Java and East Java
province, especially in Disctrict of Semarang and City of Surabaya.
This increase was suspected due to Kelud eruption at 13 February 2014 in East Java
Province area where the volcanic ash spread to citydistrict in Central Java and East Java.
Insurance Commentary: The penetration of
PT REASURANSI MAIPARK INDONESIA DESEMBER 2015
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Asuransi: Penetrasi Asuransi Gempabumi Indonesia - Peranan Industri Asuransi
Melindungi Area Rawan Gempa. Earthquake insurance in Indonesia - The Role
of Insurance Industry in protecting the Earthquake Prone Areas
D. Jumlah Risiko D. Number of Risk