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A. Umum
Berdasarkan data Badan Pusat Statistik, Perekonomian Indonesia pada tahun 2014
sebagaimana diukur dari Produk Domestik Bruto
PDB, tumbuh
sebesar 5,02
dibandingkan tahun 2013. Nilai Produk Domestik Bruto PDB Indonesia atas dasar
harga konstan 2010 pada tahun 2014 mencapai Rp.8.568,1 triliun sedangkan pada tahun 2013
sebesar Rp.8.158,2
triliun. Bila
dilihat berdasarkan harga berlaku, PDB tahun 2014
adalah sebesar Rp.10.542,7 triliun sedangkan tahun 2013 adalah Rp.9.524,7triliun.
B. Struktur Pasar
Berdasarkan data Otoritas Jasa Keuangan pada buku Direktori Perasuransian Indonesia
2014: Industri
Keuangan Non
Bank Perasuransian,
terdapat 82
perusahaan asuransi umum yang memiliki izin beroperasi di
Indonesia.
C. Premi Bruto
Sampai dengan 31 Desember 2014, premi bruto asuransi gempa bumi Underwriting Year
2010 adalah sebesar Rp. 2.116,7
miliar. Premi bruto untuk Underwriting Year 2011 tercatat
A. General
Based on Central of Statistics Bureau Data, Indonesian economic in 2014 as measured by
Gross Domestic Product GDP increased by 5.02 compared with 2013. Gross Domestic
Product GDP based on Constant Price 2010 in 2014 reached the amount of Rp.8,568.1 trillion
while in 2013 was Rp.8,152.2 trillion. If it is based on Current Market Price, GDP in 2014
was Rp.10,542.7 trillion while in 2013 was Rp.9,524.7trillion
B. Market Structure
Based on Financial Services Authority data in the book of Indonesian Insurance Directory
2014: Non Bank Financial Institution Insurance, there are 82 general insurers having operating
licenses in Indonesia. C. Gross Premium
As at 31 December 2014, earthquake gross premium for Underwriting Year 2010 was Rp.
2,116.7 billion. Gross premium for Underwriting Year 2011 was recorded
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2014 Statistic Overview of Indonesia Earthquake Insurance December 2014
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Rp. 2.814,2
miliar, sedangkan
untuk Underwriting Year 2012 adalah Rp. 2.641,6
miliar. Untuk Underwriting Year 2013 dan 2014 adalah Rp. 4.251,6 miliar dan Rp. 2.363,3 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 47 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 72,67 dari Rp. 434.837,25 juta di
Underwriting Year 2010 menjadi Rp. 750.839,42 juta.
Rp. 2,814.2 billion, while for Underwriting Year 2012 was Rp. 2,641.6 billion. For Underwriting
Year 2013 and 2014 were Rp. 4,251.6 billion and Rp. 2,363.3 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 47 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 72.67 from Rp. 434,837.25 million in Underwriting Year 2010 to
Rp. 750,839.42 million.
Dalam Jutaan Rupiah In Million Rupiah
2010 20,828.91
0.98 434,837.25
20.54 1,297,834.00
61.31 363,193.59
17.16 2,116,693.76
2011 23,897.32
0.85 750,839.42
26.68 1,697,040.24
60.30 342,415.00
12.17 2,814,191.97
2012 29,419.23
1.11 642,472.64
24.32 1,624,899.68
61.51 344,774.72
13.05 2,641,566.26
2013 34,876.46
0.82 1,716,969.21
40.38 2,026,598.04
47.67 473,164.60
11.13 4,251,608.32
2014 18,675.26
0.79 619,524.06
26.21 1,321,090.22
55.90 404,021.79
17.10 2,363,311.32
T O T A L 127,697.18
4,164,642.58 7,967,462.18
1,927,569.70 14,187,371.64
Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 31 Desember 2014
Table 1.1 Gross Premium and Ratio By Occupation as at 31 December 2014
Underwriting Year
Okupasi Total
Agrikultural Agricultural Komersial Commercial
Industri Industrial Residensial Residential
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D. Jumlah Risiko
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