1
A. Umum
Perekonomian Indonesia pada tahun 2011, sebagaimana diukur dari pendapatan
Domestik Bruto PDB, meningkat sebesar 15,6 dari Rp. 6.422,9 triliun di tahun 2010
menjadi Rp. 7.427,1 triliun di tahun 2011.
B. Struktur Pasar
Berdasarkan data Badan Pengawas Pasar Modal dan Lembaga Keuangan
Bapepam-LK pada Buku Perasuransian Indonesia Tahun 2011, terdapat 85 perusahaan
asuransi umum yang memiliki izin beroperasi di Indonesia.
C. Premi Bruto
Sampai dengan 31 Desember 2012, premi bruto asuransi gempa bumi Underwriting Year
2008 adalah sebesar Rp.1.982,3 miliar. Premi bruto untuk Underwriting Year 2009 tercatat
Rp 1.776,2
miliar, sedangkan
untuk Underwriting Year 2010 adalah Rp. 2.073,8
miliar. Untuk Underwriting Year 2011 dan 2012 adalah Rp. 2.701,7 miliar dan Rp. 1.815,3
miliar. Angka – angka ini akan terus bergerak
naik terutama untuk Underwriting Year 2011 dan 2012.
A. General
Indonesian economic in 2011, as measured by Gross Domestic Product GDP,
increased by 15.6 from Rp. 6,422.9 trillion in 2010 to Rp. 7,427.1 trillion in 2011.
B. Market Structure
Based on Capital Market data and Financial Institution Supervisory Agency
Bapepam-LK in the Book of Indonesian Insurance 2011, there are 85 general insurers
having operating licenses in Indonesia.
C. Gross Premium
As at 31 December 2012, earthquake gross premium for Underwriting Year 2008 was
Rp. 1,982.3 billion. Gross premium for Underwriting Year 2009 was recorded Rp
1,776.2 billion, while for Underwriting Year 2010 was Rp. 2,073.8 billion. For Underwriting
Year 2011 and 2012 were Rp. 2,701.7 billion and Rp 1,815.3 billion. Those figures would
certainly increase especially for Underwriting Year 2011 and 2012.
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia 2012 Statistic Overview of Indonesia Earthquake Insurance 2012
2
Tabel 1.1 di bawah ini menyajikan rincian premi bruto berdasarkan jenis okupasi dari
Underwriting Year 2008 hingga Underwriting Year 2012.
Dari Underwriting Year 2008 sampai Underwriting Year 2012, prosentase okupasi
Industrial selalu
berada pada
posisi pendapatan tertinggi dibanding 3 tiga okupasi
lainnya Agrikultural, Komersial, Residensial, yaitu di atas 60 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 Agricultural pada
Underwriting Year 2010 yang meningkat sebesar 67,33 dari Rp. 12.346,11 juta di
Underwriting Year 2009 menjadi Rp. 20.659,01 juta di Underwriting Year 2010.
The table 1.1 below presents the details of gross premium based on occupation from
Underwriting Year 2008 to Underwriting Year 2012.
From Underwriting
Year 2008
to Underwriting Year 2012, Industrial occupation
always has the biggest percentage income compared to 3 three remaining occupations
Agricultural, Commercial, Residential, that is 60 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 Agricultural occupation in Underwriting
Year 2010 increased by 67.33 from Rp. 12,346.11 million in Underwriting Year 2009 to
Rp. 20,659.01 million in Underwriting Year 2010.
Dalam Jutaan Rupiah
In Million Rupiah
2008 15,259.55
0.77 413,706.36
20.87 1,321,702.24
66.67 231,640.93
11.69 1,982,309.09
2009 12,346.11
0.70 403,860.96
22.74 1,127,042.26
63.45 232,910.59
13.11 1,776,159.93
2010 20,659.01
1.00 419,876.96
20.25 1,276,235.30
61.54 357,023.92
17.22 2,073,795.18
2011 20,024.16
0.74 726,167.19
26.88 1,621,941.45
60.03 333,561.85
12.35 2,701,694.65
2012 15,136.00
0.83 433,680.05
23.89 1,122,292.58
61.82 244,221.50
13.45 1,815,330.13
Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 31 Desember 2012
Table 1.1 Gross Premium and Ratio By Occupation as at 31 December 2012
Agrikultural Agricultural
Okupasi Total
Underwriting Year
Komersial Commercial Industri Industrial
Residensial Residential
3
D. Jumlah Risiko
Kategori