BIAYA DIBAYAR DI MUKA PREPAID EXPENSES

PT ASURANSI BINA DANA ARTA Tbk PT ASURANSI BINA DANA ARTA Tbk DAN ENTITAS ANAK AND ITS SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN NOTES TO CONSOLIDATED FINANCIAL KONSOLIDASIAN Lanjutan STATEMENTS Continued Untuk tahun-tahun yang berakhir For the years ended 31 Desember 2015 dan 2014 December 31, 2015 and 2014 Dinyatakan dalam ribuan Rupiah, kecuali dinyatakan lain Expressed in thousands of Rupiah, unless otherwise stated 19. LIABILITAS KONTRAK ASURANSI 19. INSURANCE CONTRACTS LIABILITIES Estimasi liabilitas klaim a Estimated claim liabilities a Liabilitas premi b Premium liabilities b Jumlah liabilitas kontrak asuransi Total insurance contract liabilities Estimasi liabilitas klaim a Estimated claim liabilities a Liabilitas premi b Premium liabilities b Jumlah liabilitas kontrak asuransi Total insurance contract liabilities a. Estimasi liabilitas klaim a. Estimated claim liabilities Kendaraan bermotor Motor vehicles Kecelakaan Kesehatan Accident Health Kebakaran Fire Pengangkutan Marine cargo Aneka Miscellaneous Perubahan estimasi liabilitas klaim Change in estimated claim liabilities Saldo akhir Ending balance Saldo awal Beginning balance Estimasi penggantian reasuransi Recoverable from reinsurance of atas liabilitas klaim estimated claim liabilities Saldo akhir Ending balance Saldo awal Beginning balance Perubahan bersih estimasi liabilitas klaim Net change in estimated claim liabilities 233.663.115 25.600.742 Reinsurance As of December 31, 2015 and 2014, estimated claim liabilities in Sharia Unit amounted to Rp 1,001,758 and Rp 675,752, respectively. 23.021.577 5.118.850 173.680.559 27.053.727 Net change in estimated claim liabilities is calculated as follows: 5.796.343 Bersih 23.722.808 2015 Reinsurance Gross 2014 234.664.873 1.286.104.862 Bruto 1.271.234.773 199.255.814 Reasuransi 194.135.223 Reasuransi 34.407.301 152.631.469 2.277.843 1.172.645.465 38.592.896 2015 5.394.242 Perubahan bersih estimasi liabilitas klaim dihitung dengan cara sebagai berikut: 2014 234.664.873 199.931.566 636.258 817.182 1.256.159.747 110.620.940 16.779.965 1.482.176.839 31.540.049 6.736.267 1.372.577.031 Net 10.513.092 177.320.938 Gross Bruto 14.870.088 2015 210.942.065 199.931.566 Net Bersih Pada tanggal 31 Desember 2015 dan 2014, estimasi liabilitas klaim atas unit bisnis syariah masing-masing sebesar Rp 1.001.758 dan Rp 675.752. This account includes Incurred But Not Reported IBNR claims amounting to Rp 42,340,000 and Rp 43,021,000 as of December 31, 2015 and 2014, respectively. 17.627.335 21.934.877 1.520.769.735 2014 116.417.283 39.110.390 5.394.242 1.062.024.525 199.255.814 Dalam estimasi klaim termasuk estimasi atas klaim yang sudah terjadi namun belum dilaporkan IBNR adalah Rp 42.340.000 dan Rp 43.021.000 masing-masing pada tanggal 31 Desember 2015 dan 2014. 1.565.680 58