1
A. Umum
Berdasarkan data Badan Pusat Statistik, Perekonomian Indonesia pada tahun 2013
sebagaimana diukur dari Pendapatan Domestik Bruto
PDB, tumbuh
sebesar 5,78
dibandingkan tahun 2012. Nilai Produk Domestik Bruto PDB Indonesia atas dasar
harga konstan 2000 pada tahun 2013 mencapai Rp. 2.770,3 triliun sedangkan pada
tahun 2012 sebesar Rp. 2.618,9 triliun. Bila dilihat berdasarkan harga berlaku, PDB tahun
2013 adalah sebesar Rp. 9.084,0 triliun sedangkan tahun 2012 adalah Rp. 8.229,4
triliun.
B. Struktur Pasar
Berdasarkan data Otoritas Jasa Keuangan pada buku Direktori Perasuransian Indonesia
2013: Industri
Keuangan Non
Bank Perasuransian,
terdapat 82
perusahaan asuransi umum yang memiliki izin beroperasi di
Indonesia.
C. Premi Bruto
Sampai dengan 31 Desember 2013, premi bruto asuransi gempa bumi Underwriting Year
2009 adalah sebesar Rp.1.781,2 miliar. Premi
bruto untuk Underwriting Year 2010 tercatat
A. General
Based on Central of Statistics Bureau Data, Indonesian economic in 2013 as
measured by Gross Domestic Product GDP increased by 5.78 compared with 2012.
Gross Domestic Product GDP based on Constant Price 2000 in 2013 reached the
amount of Rp. 2,770.3 trillion while in 2012 was Rp. 2,618.9 trillion. If it is based on Current
Market Price, GDP in 2013 was Rp. 9,084.0 trillion while in 2012 was Rp. 8,229.4 trillion.
B. Market Structure
Based on Financial Services Authority data in the book of Indonesian Insurance Directory
2013: Non Bank Financial Institution Insurance, there are 82 general insurers having operating
licenses in Indonesia.
C. Gross Premium
As at 31 December 2013, earthquake gross premium for Underwriting Year 2009 was
Rp. 1,781.2 billion. Gross premium for Underwriting Year 2010 was recorded
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Desember 2013 Statistic Overview of Indonesia Earthquake Insurance December 2013
2
Rp. 2.117,0
miliar, sedangkan
untuk Underwriting Year 2011 adalah Rp. 2.813,5
miliar. Untuk Underwriting Year 2012 dan 2013 adalah Rp. 2.637,7 miliar dan Rp. 2.253,6
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 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 Agrikultural pada
Underwriting Year 2010 yang meningkat sebesar 59,1 dari Rp. 13.095,78 juta di
Underwriting Year 2009 menjadi Rp. 20.834,91 juta.
Rp. 2,117.0 billion, while for Underwriting Year 2011 was Rp. 2,813.5 billion. For Underwriting
Year 2012 and 2013 were Rp. 2,637.7 billion and Rp. 2,253.6 billion. These figures would
certainly increase especially for Underwriting Year 2012 and 2013.
The table 1.1 below shows 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 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 59.1 from Rp. 13,095.78 million in Underwriting Year 2009 to
Rp. 20,834.91 million.
Dalam Jutaan Rupiah In Million Rupiah
2009 13,095.78
0.74 407,938.46
22.90 1,124,194.09
63.12 235,955.31
13.25 1,781,183.65
2010 20,834.91
0.98 434,873.30
20.54 1,298,122.02
61.32 363,164.81
17.15 2,116,995.04
2011 23,859.57
0.85 751,463.85
26.71 1,695,522.78
60.26 342,674.99
12.18 2,813,521.19
2012 29,495.08
1.12 639,792.77
24.26 1,623,301.32
61.54 345,103.08
13.08 2,637,692.25
2013 25,809.42
1.15 516,779.37
22.93 1,419,749.97
63.00 291,242.90
12.92 2,253,581.67
T O T A L 113,094.76
2,750,847.76 7,160,890.18
1,578,141.10 11,602,973.80
Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 31 Desember 2013
Table 1.1 Gross Premium and Ratio By Occupation as at 31 December 2013
Agrikultural Agricultural
Okupasi Total
Underwriting Year
Komersial Commercial Industri Industrial
Residensial Residential
3
D. Jumlah Risiko
Kategori