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A. Umum
Perekonomian Indonesia pada tahun 2011, sebagaimana diukur dari pendapatan Domestik
Bruto PDB, meningkat sebesar 15,6 dari Rp. 6.422,9 triliun ditahun 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 30 Juni 2012, premi bruto asuransi gempa bumi Underwriting Year 2008
adalah sebesar Rp. 1.950,3 miliar. Premi bruto Underwriting Year 2009 tercatat Rp 2.529,1
miliar, sedangkan untuk Underwriting Year 2010 adalah Rp. 2.031,3 miliar. Untuk
Underwriting Year 2011 dan Underwriting Year 2012 adalah Rp. 2.494,1 miliar dan Rp. 385,0
miliar. Angka-angka ini akan terus bergerak naik terutama untuk Underwriting Year 2011
dan Underwriting Year 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 30 June 2012, the earthquake gross premium for Underwriting Year 2008 was Rp.
1,950.3 billion. The Gross Premium for underwriting year 2009 was recorded Rp.
2,529.1 billion, while for Underwriting Year 2010 was Rp. 2,031.3 billion. For Underwriting
Year 2011 and Underwriting Year 2012 were Rp 2.494,1 billion and Rp. 385,0 billion. Those
figures would certainly increase especially for Underwriting Year 2011 and Underwriting Year
2012.
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2012 Statistic Overview of Indonesian Earthquake Insurance June 2012
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Dari Underwriting Year 2008 sampai dengan Underwriting Year 2012, prosentase
okupasi Industrial selalu berada pada posisi pendapatan tertinggi dibanding 3 tiga okupasi
lainnya Agrikultural, Komersial, Residensial, yaitu di atas 50 dari total premi.
Meskipun okupasi Komersial, Residensial dan Agricultural 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
Underwriting Year 2010 yang meningkat 67,33 dibanding Underwriting Year 2009.
Tabel 1.1 di bawah ini menyajikan rincian premi bruto berdasarkan jenis okupasi dari
Underwriting Year 2008 - Underwriting Year 2012.
From Underwriting
Year 2008
to Underwriting Year 2012, Industrial occupation
is always has the biggest percentage income compared to 3 three remaining occupations
Agricultural, Commercial, Residential,that is 50 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 is increased by 67.33 compare to Underwriting Year 2009.
The table 1.1 below presents the details of gross premium based on the occupation from
underwriting year 2008 - underwriting year 2012.
Dalam Jutaan Rupiah In Million Rupiah
2008 15,423.44
0.79 413,766.39
21.22 1,322,565.65
67.81 198,520.74
10.18 1,950,276.21
2009 12,346.11
0.49 403,645.25
15.96 1,880,194.65
74.34 232,904.69
9.21 2,529,090.70
2010 20,659.01
1.02 419,946.81
20.67 1,237,513.09
60.92 353,232.57
17.39 2,031,351.48
2011 19,839.58
0.80 712,809.80
28.58 1,447,121.89
58.02 314,324.44
12.60 2,494,095.72
2012 2,439.79
0.63 121,870.49
31.65 198,151.92
51.46 62,585.65
16.25 385,047.85
Tabel 1.1 Premi Bruto dan Rasio Berdasar Okupasi per 30 Juni 2012
Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2011
Agrikultural Agricultural Okupasi
Total Underwriting
Year Komersial Commercial
Industri Industrial Residensial Residential
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D. Jumlah Risiko
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