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A. Umum
Berdasarkan data Badan Pusat Statistik, Perekonomian Indonesia pada tahun 2012
sebagaimana diukur dari Pendapatan Domestik Bruto
PDB, tumbuh
sebesar 6,23
dibandingkan tahun 2011. Nilai Produk Domestik Bruto PDB Indonesia atas dasar
harga konstan 2000 pada tahun 2012 mencapai Rp. 2.6181,1 triliun sedangkan pada
tahun 2011 sebesar Rp. 2.464,7 triliun. Bila dilihat berdasarkan harga berlaku, PDB tahun
2012 adalah sebesar Rp. 8.241,9 triliun sedangkan tahun 2011 adalah Rp. 7.422,8
triliun.
B. Struktur Pasar
Berdasarkan data Badan Pengawas Pasar Modal dan Lembaga Keuangan Bapepam-LK
pada buku Direktori Perasuransian Indonesia 2012, terdapat 83 perusahaan asuransi umum
yang memiliki izin beroperasi di Indonesia.
C. Premi Bruto
Sampai dengan 30 Juni 2013, premi bruto asuransi gempa bumi Underwriting Year 2009
adalah sebesar Rp.1.771,2 miliar. Premi bruto
untuk Underwriting Year 2010 tercatat Rp. 2.083,8 miliar sedangkan untuk Underwriting
A. General
Based on Central of Statistics Bureau data, Indonesian economic in 2012 as
measured by Gross Domestic Product GDP, increased by 6.23 compared with 2011.
Gross Domestic Product GDP based on Constant Price 2000 in 2012 reached the
amount of Rp. 2,6181.1 trillion while in 2011 was Rp. 2,464.7 trillion. If it is based on Current
Market Price,GDP in 2012 was Rp. 8,241.9 trillion while in 2011 was Rp. 7,422.8 trillion.
B. Market Structure
Based on Capital Market and Financial Institution Supervisory Agency Bapepam-LK
data in the book of Indonesian Insurance Directory 2012, there are 83 general insurers
having operating licenses in Indonesia.
C. Gross Premium
As at 30 June 2013, earthquake gross premium for Underwriting Year 2009 was Rp.
1,771.2 billion. Gross premium for Underwriting Year 2010 was recorded Rp. 2,083.8 billion,
while for Underwriting Year 2011 was Rp.
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2013 Statistic Overview of Indonesia Earthquake Insurance June 2013
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Year 2011 adalah Rp. 2.789,7 miliar. Untuk Underwriting Year 2012 dan 2013 adalah Rp.
2.546,3 miliar dan Rp. 466,4 miliar. Angka –
angka ini akan terus bergerak naik terutama untuk Underwriting Year 2012 dan 2013.
Tabel 1.1 di bawah ini menyajikan rincian premi bruto berdasarkan jenis okupasi dari
Underwriting Year 2009 hingga Underwriting Year 2013. Prosentase okupasi Industrial
selalu berada pada posisi pendapatan tertinggi dibanding 3 tiga okupasi lainnya Agrikultural,
Komersial, Residensial, yaitu di atas 55 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 Agrikultural pada
Underwriting Year 2010 yang meningkat sebesar 70,6 dari Rp. 12.194,01 juta di
Underwriting Year 2009 menjadi Rp. 20.801,51 juta.
2,789.7 billion. For Underwriting Year 2012 and 2013 were Rp. 2,546.3 billion and Rp. 466.4
billion. These figures would certainly increase especially for Underwriting Year
2012 and 2013. The table 1.1 below presents the details of
gross premium based on occupation from Underwriting Year 2009 to Underwriting Year
2013. Industrial occupation always has the biggest percentage income compared to 3
three remaining occupations Agricultural, Commercial, Residential, that is above 55
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 70.6 from Rp.
12,194.01 million in Underwriting Year 2009 to Rp. 20,801.51 million.
Dalam Jutaan Rupiah In Million Rupiah
2009 12,194.01
0.69 405,039.22
22.87 1,123,907.19
63.46 230,042.03
12.99 1,771,182.45
2010 20,801.51
1.00 422,806.13
20.29 1,282,982.61
61.57 357,293.01
17.15 2,083,883.25
2011 23,250.84
0.83 735,109.14
26.35 1,697,084.75
60.83 334,242.89
11.98 2,789,687.62
2012 28,118.49
1.10 592,338.74
23.26 1,592,811.88
62.55 333,057.86
13.08 2,546,326.96
2013 1,206.45
0.26 133,150.17
28.55 258,618.09
55.44 73,466.92
15.75 466,441.63
T O T A L 85,571.30
3.88 2,288,443.40
5,955,404.51 1,328,102.71
0.71 9,657,521.92
Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2013
Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2013
Agrikultural Agricultural
Okupasi Total
Underwriting Year
Komersial Commercial Industri Industrial
Residensial Residential
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D. Jumlah Risiko
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