Statistik Asuransi Gempa Bumi Indonesia 2009

PT. Asuransi Maipark Indonesia

Statistik Asuransi Gempa
Bumi Indonesia 2009
[Indonesian Earthquake Insurance Statistic 2009]

www.maipark.com

Kata Pengantar
Foreword
Sesuai dengan tujuan pendiriannya, MAIPARK
selalu berusaha melakukan inovasi dalam
memberikan pelayanan terbaik bagi industri
asuransi Indonesia dalam hal ilmu dan statistik
mengenai risiko bencana.
Inovasi
terus
kami
lakukan
untuk
menyempurnakan laporan statistik ini, sehingga

menjadi lebih akurat, rinci dan komperhensif.
Berikut kami sajikan laporan Statistik Asuransi
Gempa Bumi Indonesia 2009 – 2010 yang
mencakup :

In line with the intention of MAIPARK
establishment, MAIPARK keeps on innovating to
provide the best services for the Indonesia’s
insurance industry in terms of science and
statistics on Catastrophe risks. We keep on doing
innovation to make this statistics report more
accurate, detailed and comprehensive. Herewith,
we present Indonesian Earthquake Statistical
Report of 2009 - 2010 which include:

o Inovasi terhadap sistem dan proses
pengolahan data statistik.
o Peta Kejadian Gempa Bumi Indonesia.
o Peta Exposure Gempa Bumi Indonesia.
o Penggolongan tersendiri atas risiko multi

lokasi, dalam laporan profile risiko dan
klaim.
o Analisa asuransi gempa terkait kondisi
makro ekonomi.
o Analisa seismitas terkini.
o Laporan dengan dua bahasa (Bahasa
Indonesia – Bahasa Inggris).
o Panel navigasi yang akan memudahkan
dalam menelusuri laporan statistik ini.
o Tabel, peta dan grafik yang kreatif.

o Inovation of the system and statistical
data processing.
o Map
of
Indonesian
Earthquake
Occurence.
o Map
of

Indonesian Earthquake
Exposure.
o Separate classification of multi-location
risks in Risk and Loss Profile report.
o Analysis of earthquake insurance related
to macro economic conditions.
o Current Seismic Analysis.
o Bilingual reports (Indonesian - English).
o Navigation Panel to ease to trace the
statistical report.
o Creative tables, maps and graphs.

Dengan semangat ”Go Green”, dan laporan
tersebut disajikan dalam bentuk soft copy dan
tidak lagi diproduksi dalam bentuk hard copy.

With the spirit of "Go Green” the report is
presented in soft copy rather than hard copy.

Usaha

yang
kami
lakukan
dalam
menyempurnakan laporan statistik ini tidak akan
berarti apa - apa tanpa dukungan dari seluruh
perusahaan asuransi. Data yang lengkap dan
akurat akan sangat menentukan kualitas dari
hasil statistik ini.

Our efforts to continously improve this statistic
report are nothing without all insurance
companies’ support. Complete and accurate data
will greatly determine the quality of these
statistical results.

i

We hope that this statistic report is useful for both
insurance companies having earthquake

business and general insurance industry in
Indonesia.

Kami berharap laporan statistik ini dapat
memberikan manfaat tidak hanya bagi
perusahaan asuransi yang menangani asuransi
gempa bumi, namun juga berguna bagi industri
Asuransi Umum di Indonesia.

Salam Inovasi MAIPARK !!

Frans Sahusilawane
President Director

ii

Daftar Isi / Contents
Kata Pengantar .................................................. i

Kata Pengantar .................................................. i

Daftar Isi ........................................................... iii

Table of Contents ............................................ iii

Informasi Statistik............................................ vi

Statistical Information ..................................... iv

Ikhtisar Asuransi Gempa Bumi Indonesia
2009......................................................................

Summary of Indonesia Earthquake
Insurance 2009 ...................................................

A.Pendahuluan ............................................... 1

A.Introduction ................................................. 1

B.Struktur Pasar ............................................ 1

B.Market Structure ........................................ 1

C.Pertumbuhan Premi Bruto .......................... 2

C.Growth of Gross Premium ......................... 2

D.Jumlah Risiko ............................................. 6

D.Number of Risks ........................................ 6

F.Pertumbuhan Incurred Claim ..................... 15

F.Growth of Incurred Claim ......................... 15

Exposure Asuransi Gempa Bumi Indonesia ...

Indonesia Earthquake Insurance Exposure ....

Tabel 2.1.Exposure Per Cresta Zone .......... 15

Table 2.1.Exposure By Cresta Zone ........... 15

Tabel 2.2.Exposure Per Okupasi .................. 17

Table 2.2.Exposure By Occupation .............. 17

Tabel 2.3.Exposure Per Interest ................... 19

Table 2.3.Exposure By Interest .................... 19

Tabel 2.4.Exposure Per Provinsi .................. 21

Table 2.4.Exposure By Province .................. 21

Gross Premium Asuransi Gempa Bumi
Indonesia ............................................................

Indonesia Earthquake Insurance Gross
Premium .............................................................

Tabel 3.1.Gross Premium Per Cresta Zone . 22

Table 3.1.Gross Premium By Cresta Zone .. 22

Tabel 3.2.Gross Premium Per Okupasi ........ 24

Table 3.2.Gross Premium By Occupation .... 24

Tabel 3.3.Gross Premium Per Provinsi......... 26

Table 3.3.Gross Premium By Province ........ 26

Jumlah Risiko Asuransi Gempa Bumi
Indonesia ............................................................

Indonesia Earthquake Insurance Number of
Risks ...................................................................

Tabel 4.1.Jumlah Risiko Per Cresta Zone ... 27

Table 4.1.Number of Risk By Cresta Zone .. 27

Tabel 4.2.Jumlah Risiko Per Okupasi ........... 29

Table 4.2.Number of Risk By Occupation..... 29

Klaim Asuransi Gempa Bumi Indonesia ..........

Indonesia Earthquake Insurance Claim............

Tabel 5.1.1.Klaim Frekwensi Per Okupasi .... 31

Table 5.1.1.Claim Frequency By Occupation 31

Tabel 5.1.2.Klaim Frekwensi Per Cresta Zone
..................................................................... 33

Table 5.1.2. Claim Frequency By Cresta Zone
..................................................................... 33

Tabel 5.2.1.Jumlah Klaim Per Okupasi......... 35

Table 5.2.1.Claim Amount By Occupation .... 35

iii

Tabel 5.2.2.Jumlah Klaim Per Cresta Zone .. 37

Table 5.2.2.Claim Amount By Cresta Zone .. 37

Profil Risiko dan Klaim ......................................

Risk and Loss Profile ........................................

Tabel 6.1.Semua Tahun Underwriting, Semua
Okupasi, Semua Cresta Zone ...................... 39

Table 6.1.All Underwriting Year, All
Occupation, All Cresta Zone......................... 39

Tabel 6.2. Tahun Underwriting 2009, Semua
Okupasi, Semua Cresta Zone ...................... 40

Table 6.2. Underwriting Year 2009, All
Occupation, All Cresta Zone......................... 40

Tabel 6.3. Tahun Underwriting 2008, Semua
Okupasi, Semua Cresta Zone ...................... 41

Table 6.3. Underwriting Year 2008, All
Occupation, All Cresta Zone......................... 41

Tabel 6.4. Tahun Underwriting 2007, Semua
Okupasi, Semua Cresta Zone ...................... 42

Table 6.4. Underwriting Year 2007, All
Occupation, All Cresta Zone......................... 42

Tabel 6.5. Tahun Underwriting 2006, Semua
Okupasi, Semua Cresta Zone ...................... 43

Table 6.5. Underwriting Year 2006, All
Occupation, All Cresta Zone......................... 43

Profil Risiko dan Klaim Tahun Underwriting
2009 .....................................................................

Risks and Loss Profile Underwriting Year
2009 ....................................................................

Okupasi Agricultural ..................................... 44

Agricultural Occupation ............................. 44

Okupasi Commercial .................................. 45

Commercial Occupation ............................ 45

Okupasi Industrial ....................................... 46

Industrial Occupation ................................. 46

Okupasi Residential .................................... 47

Residential Occupation ............................. 47

Profil Risiko dan Klaim Tahun Underwriting
2008 .....................................................................

Risks and Loss Profile Underwriting Year
2008 ....................................................................

Okupasi Agricultural .................................... 48

Agricultural Occupation ............................. 48

Okupasi Commercial .................................. 49

Commercial Occupation ............................ 49

Okupasi Industrial ....................................... 50

Industrial Occupation ................................. 50

Okupasi Residential .................................... 51

Residential Occupation ............................. 51

Profil Risiko dan Klaim Tahun Underwriting
2007 .....................................................................

Risks and Loss Profile Underwriting Year
2007 ....................................................................

Okupasi Agricultural .................................... 52

Agricultural Occupation ............................. 52

Okupasi Commercial .................................. 53

Commercial Occupation ............................ 53

Okupasi Industrial ....................................... 54

Industrial Occupation ................................. 54

Okupasi Residential .................................... 55

Residential Occupation .............................. 55

Profil Risiko dan Klaim Tahun Underwriting
2006 .....................................................................

Risks and Loss Profile Underwriting Year
2006 ....................................................................

Okupasi Agricultural .................................... 56

Agricultural Occupation ............................. 56
iv

Commercial Occupation ............................ 57

Okupasi Commercial .................................. 57

Okupasi Industrial ....................................... 58

Industrial Occupation ................................. 58

Okupasi Residential .................................... 59

Residential Occupation .............................. 59

Peta.7.1 Distribusi Kejadian Gempa di
Indonesia 2004 - 2009 ................................. 60

Map 7.1 Indonesia Earthquake Distribution of
occurrences 2004-2009................................ 60

Daftar Istilah .....................................................

Glossaries ........................................................

Lampiran

Attachments

1. Tarif Asuransi Gempa Bumi Indonesia .....

1. Indonesia Earthquake Insurance Tariff ....

2. Skala First Loss..........................................

2. First Loss Scale .........................................

3. Tabel Jangka Waktu Pertanggungan
Kurang dari satu tahun .............................

3. Short Period Table less than one year
period ........................................................

4. Tabel Indemnitas ......................................

4. Indemnity Table .......................................

v

Informasi Statistik
Statistics Information

1.

Statistik dibuat berdasarkan Underwriting
Year yang tercatat sampai dengan posisi
31 Desember 2009.

2.

Sesi Limit
2.1. Limit Sesi didasarkan atas setiap
risiko.
2.2. Yang dimaksud dengan setiap risiko
(anyone risk) adalah akumulasi
(aggregate)
jumlah
harga
pertanggungan seluruh risiko pada
lokasi yang sama untuk masingmasing
perusahaan
asuransi.
Definisi setiap risiko atau setiap
lokasi ditentukan oleh perusahaan
asuransi atau penerbit polis sesuai
dengan interpretasi perusahaan
asuransi dalam underwriting polis
kebakaran.
2.3. Besarnya Limit Sesi atas setiap
risiko (any one risk) untuk gabungan
kerugian fisik dan gangguan usaha
adalah sebagai berikut :
2.3.1. Untuk daerah Jawa Barat,
Banten dan DKI : 5%
(lima prosen) dari jumlah
seluruh pertanggungan (total
sum insured) maksimum
USD 2,500,000.00 (dua juta
lima ratus ribu Dollar
Amerika) atas setiap risiko,
setiap perusahaan asuransi
atau penerbit polis.
2.3.2 Untuk daerah Indonesia
lainnya 25% (dua puluh lima
prosen) dari jumlah seluruh
pertanggungan (total sum
insured) maksimum USD
2,500,000.00 (dua juta lima
ratus ribu Dollar Amerika)
atas setiap risiko setiap

1.

2.

Statistics are made based on
Underwriting Year basis, which is
recorded as at December 31 2009.
Cession Limit
2.1. Cession Limit is based on any one
risk.
2.2. Anyone risk is the accumulation of
(aggregate) total sum insured of all
risks at the same location for each
insurance company. The definition of
anyone risk or any location is
specified by the insurer or policy
issuer in accordance with the
interpretation of insurance companies
in underwriting fire policy.

2.3. Cession Limit of any one risk for the
combined material and business
interruption damage are as follows:
2.3.1 For West Java, Banten and DKI
: 5% (five percent) of the total
sum insured, a maximum of
USD 2,500,000.00 (two million
five hundred thousand U.S.
Dollars) for any one risk, each
insurance company or policy
issuer

2.3.2 Others area within Indonesia
are 25% (twenty five percent) of
total sum insured, maximum of
USD 2,500,000.00 (two million
five hundred thousand U.S.
Dollars) for each risk, each
insurance company or policy
issuer.
vi

perusahaan asuransi atau
penerbit polis.
2.4. Dalam hal penutupan secara First
Loss Basis / Sub-limit, jumlah yang
disesikan sebagaimana diatur dalam
butir
2.3.
diatas,
dikalikan
prosentase First Loss Basis / Sublimit Basis.
2.5. Bilamana risiko ditutup secara koasuransi, jumlah maksimum sesi dari
semua Anggota ko-asuransi adalah
sesuai dengan ketentuan yang diatur
dalam 2.3. diatas. Sesi masingmasing
perusahaan
adalah
proporsional sebanding sahamnya
dalam ko-asuransi.
Dalam hal terdapat penutupan lain
selain polis ko-asuransi tersebut
pada obyek pertanggungan yang
sama, perusahaan asuransi tetap
dapat mensesikan risiko dimaksud,
dengan catatan jumlah seluruh sesi
perusahaan asuransi bersangkutan
tidak melebihi ketentuan yang diatur
pada butir 2.3.

2.4 In term of first loss basis / sub limit
policies, the amount cessions are
stipulated in item 2.3 above, then
multiplied by the percentage of First
Loss Basis / Sub-limit Basis.
2.5 For coinsurance policies, maximum
cession from all members of
coinsurance is stipulated in item 2.3
above. Each ceding company cedes
proportionally depending on its
share.
In the even there are other policies
on the same risk beside that
coinsurance policy, insurer still can
cede such risks subject to the
maximum limit set out in item 2.3

3.

Tarif Premi
3.1. Penutupan dengan menggunakan
Full Value Basis mengaplikasikan
Tarif Premi Standar Gempa Bumi
Indonesia (lampiran 1)
3.2. Penutupan dengan First Loss / Sub
Limit Basis mengaplikasikan standar
First Loss Scale (lampiran 2)
3.3. Perhitungan premi untuk penutupan
kurang dari 12 (dua belas) bulan
diberlakukan skala premi jangka
pendek (lampiran 3)
3.4. Untuk perhitungan premi Bussiness
Interruption diberlakukan Indemnity
Period Scale (lampiran 4)

3.

Premium Tariff
3.1. For the coverage of Full Value Basis,
Indonesian earthquake rate standard
is applied (attachment 1).
3.2. The coverage First Loss / Sub Limit
Basis uses standard First Loss Scale
(attachment 2).
3.3. Premium calculation for short period
coverage is based on Short Period
Scale (attachment 3).
3.4. Premium calculation for business
interruption is based on Indemnity
Period Scale (attachment 4)

4.

Obyek Pertanggungan
4.1. Obyek pertanggungan yang dapat
disesikan
adalah
obyek
pertanggungan asuransi kebakaran
berupa :

4.

Insured Objects
4.1. Insured objects that can be ceded
are insured objects in fire policy.
such as :

vii

4.2

4.1.1. Kerusakan Fisik :
 Bangunan
 Pondasi
 Penggalian dan
Sejenisnya
 Persediaan Barang
 Lain-lain
4.1.2 Gangguan Usaha :
 Keuntungan Bruto
 Upah
 Kenaikan
Biaya
Operasional
 Lain-lain
Penutupan sebagaimana dimaksud
pada butir 4.1. adalah yang ditutup
secara langsung (direct business)
termasuk ko-asuransi. Penutupan
tidak
langsung
(indirect
business/Reasuransi) tidak dapat
disesikan.

4.1.1. Material damage :
Buildings
Foundations
Excavation and the like
Stocks
Others
4.1.2. Business Interruption
Gross Profit
Wages
Increase in cost of working
Others
4.2. Insured objects referred in item 4.1
are objects from direct business
insurance, including coinsurance.
Indirect businesses cannot be
ceded.

5.

Pelaporan Bordero.
Pelaporan bordero dilakukan setiap
bulannya untuk semua risiko yang ditutup
pada bulan yang bersangkutan dan sudah
harus diterima selambat-lambatnya pada
akhir bulan berikutnya.

5.

Bordereaux Report.
Bordereaux reports is submitted on a
monthly basis for all risk underwritten in the
month concerned and should be received
by the end of the following month.

6.

Untuk kasus “Multi Location Risk” yang
mengalami kesulitan dalam memberikan
detail harga pertanggungan perlokasi
maka dengan persetujuan AAUI pensesian
risiko dan perhitungan premi dilakukan
pada zona-zona tertentu.

6.

In the case of Multi Location Risks with no
details of sum insured provided per
location, the risk cession and its premium
calculation specified zones after approved
by AAUI.

7.

Untuk menggambarkan premi dan harga
pertanggungan yang sebenarnya dalam
penutupan asuransi gempa
bumi
berdasarkan ko-asuransi, diharapkan agar
seluruh anggota ko-asuransi mensesikan
risiko gempa bumi tersebut.

7.

In order to get overall pictures of each
earthquake insurance covers, it is strongly
hoped that all coinsurance members could
cede the earthquake cession.

viii

Ikhtisar Kegiatan Usaha Asuransi Gempa Bumi Indonesia Tahun 2009
Summary of Indonesian Earthquake Insurance Business Activities in 2009
A. Pendahuluan.

A. Introduction

Tingkat Pendapatan Domestik Bruto (PDB)
Indonesia di tahun 2009 ini tercatat sebesar Rp.
5.613,40. Hal ini menunjukan telah terjadi
peningkatan sebesar 13,31% dibanding
Pendapatan Domestik Bruto di tahun 2008 yang
sebesar Rp. 4.954,26 triliun. Kenaikan
Pendapatan Domestik Bruto ditahun ini lebih
rendah jika dibanding dengan kenaikan pada
tahun 2008 yang mencapai 25,19%

The Gross Domestic Product (GDP) of Indonesia
in the year 2009 is reported in amount of Rp.
5.613,40 trillion. It increases for about 13,31%
from Rp. 4.954,26 trillion of the Gross Domestic
Product (GDP) in 2008. However this increase is
still lower compared to the increased of 25,19%
in 2008.

Tingkat Pendapatan Domestik Bruto (PDB)
Indonesia dalam lima tahun terakhir dapat dilihat
pada grafik 1.1 dibawah ini

The level of Gross Domestic Product of
Indonesia for the last five years is shown in graph
1.1 below.

Pendapatan Domestik Bruto (PDB)
Gross Domestik Product (GDP)

Dalam Miliar Rupiah
In Billion Rupiah

Grafik 1.1 / Graph 1.1

B. Struktur Pasar.

B. Market Structure.

Per 31 Desember 2009, seperti yang dilaporkan
oleh Bapepam LK – Departemen Keuangan
dalam laporan Indonesian Insurance Directory
2009, jumlah perusahaan asuransi dan
reasuransi umum di Indonesia adalah 93
perusahaan. Dengan rincian 89 perusahaan
asuransi umum dan 4 perusahaan reasuransi
umum. Dari ke 89 perusahan asuransi umum ini,

On 31 December 2009, as reported by Bapepam
LK- Ministry of Finance, in the report Based on
the report of Indonesia Insurance Directory, the
member of general insurance and reinsurance in
Indonesia is 93 companies, comprising of 89
general insurance companies and 4 reinsurance
companies. Out of these 89 general insurance
companies

Statistik Asuransi Gempa Bumi Indonesia 2009
1|P a g e

20 diantaranya adalah perusahaan patungan.
Sedangkan 69 sisanya adalah perusahan swasta
nasional. Dari 4 perusahaan reasuransi umum,
kesemuanya adalah perusahaan swasta
nasional.

20 general insurance companies are joint venture
and the remaining is private national companies.
4 reinsurance companies are private national
companies.

C.

C. Gross Premium Growth

Pertumbuhan Premi Bruto

Sampai dengan posisi per 31 Desember 2009,
pendapatan premi bruto asuransi gempa bumi
terlihat menunjukan pertumbuhan yang positif.
Hal ini terlihat pada pendapatan premi
underwriting 2009 ditahun pertama yang sebesar
Rp. 1.126 milliar. Angka ini lebih besar 4,45%
dibandingkan dengan premi underwriting 2008
ditahun pertamanya yg sebesar Rp. 1.078 milliar.

As per 31 December 2009, the gross premium of
earthquake insurance shows positive growth. We
could see this from the premium of underwriting
year 2009 in the first year development, which is
Rp. 1.126 billion. This is 4,45% higher than the
premium of underwriting year 2008 in the first
year of its development, which is Rp. 1.078.

Pendapatan premi bruto asuransi gempa bumi
per 31 Desember 2009 untuk tahun underwriting
2006 adalah sebesar Rp. 1.734 Milliar. Premi
Bruto untuk tahun underwriting 2007 tercatat
sebesar Rp. 1.792 Milliar, sedangkan tahun
underwriting 2008 adalah Rp. 1.803 milliar.

The gross premium of earthquake per 31
December 2009 for underwriting year 2006,
2007, 2008 are Rp. 1.734 billion, Rp. 1.792
billion, Rp. 1.803 billion respectively.

Tabel 1.1 dan grafik 1.2 berikut ini
menggambarkan pertumbuhan premi bruto dari
tahun ke tahun.

Table 1.1 and graph 1.2 below show gross
premium development from year to year.

Pertumbuhan Premi Bruto Asuransi Gempa Bumi
Eathquake Gross Premium Development

As at 31 December

2006

2007

2008

2009

Grafik 1.2 / Graph 1.2

Statistik Asuransi Gempa Bumi Indonesia 2009
2|P a g e

Pertumbuhan Premi Bruto Asuransi Gempa Bumi
Eathquake Gross Premium Development

Per / As At 31 Dec 2009

Underwriting
Year
2006
2007
2008
2009
2010

Dalam Miliar Rupiah
In Billion Rupiah

Per / As At 31 December
2006
821 47.35%

2007

2008

1,651 95.21%
1,028 57.37%

1,697 97.87%
1,790 99.89%
1,078 59.79%

2009
1,734
1,792
1,803
1,126

100%
100%
100%
100%

Tabel 1.1 / Table 1.1

Kontribusi terbesar premi asuransi gempa bumi
yang tercatat sampai dengan 31 Desember 2009
pada tahun underwriting 2009 masih
menunjukkan tingginya tingkat pendapatan premi
yang diperoleh dari okupasi industri, dengan
rasio pendapatan sebesar 68% dari total premi.
Diikuti oleh okupasi komersil dengan ratio
sebesar 22% dan residensil sebesar 9%.
Sedangkan okupasi agrikultur menyumbang
hanya sebesar 1%.

As at 31 Desember 2010, the highest
contribution premium of earthquake based on the
occupation for underwriting year 2009 is
dominated by industrial occupation with 68% of
the total premium. It was followed by commercial
22%, residential 9% and agricultural 1%.

Table 1.2 berikut ini menyajikan rincian premi
bruto berdasarkan okupasi.

This following table 1.2, shows detail gross
premium by occupation.

Per / As At 31 Dec 2009

Okupasi / Occupation
Agricultural
Commercial
Industrial
Residential
Total

Premi Bruto Berdasarkan Okupasi
Gross Premium By Occupation
Tahun Underwriting / Underwriting Year
2006
2007
2008
10.32 0.60%
9.96 0.56%
17.32 0.96%
427.60 24.65% 382.42 21.33% 441.84 24.50%
1,219.15 70.29% 1,256.95 70.12% 1,145.63 63.52%
77.31 4.46% 143.21 7.99% 198.81 11.02%
1,734.38
1,792.54
1,803.60

Dalam Miliar Rupiah
In Billion Rupiah

2009
9.39 0.83%
244.47 21.71%
767.46 68.15%
104.84 9.31%
1,126.16

Tabel 1.2 / Table 1.2

Statistik Asuransi Gempa Bumi Indonesia 2009
3|P a g e

Penyebaran premi untuk tahun underwriting
2009, per 31 December 2009, memperlihatkan
risiko gempa bumi yang tetap tinggi pada zona 3
(DKI Jakarta dan Jawa Barat). Hal ini
menguatkan bahwasannya zona 3 sebagai zona
pusat ekonomi dan bisnis di Indonesia. Tingkat
rasio pada zona 3 untuk underwriting 2009
tercatat sejumlah Rp. 595,02 Billion atau sebesar
53% dari total premi.

The highest concentration premium of
earthquake distribution for underwriting year
2009 is in zone 3 (DKI Jakarta and West Java).
This is no surprise because zone 3 is the central
economy and business in Indonesia. The
premium income for zone 3 for underwriting 2009
is Rp. 595,02 billion or 53% of the total premium.

Distribusi premi asuransi gempa bumi
berdasarkan cresta zone dapat dilihat pada tabel
1.3 berikut ini.

Distribution of earthquake insurance premium is
shown in table 1.3 below.

Premi Bruto Berdasarkan Zona Cresta
Gross Premium By Cresta Zone
Dalam Miliar Rupiah
In Billion Rupiah

Per / As At 31 Dec 2009

Zona Cresta / Cresta Zone
Sumatera Wilayah Utara / North Sumatera
Sumatera Wilayah Selatan / South Sumatera
DKI & Jawa Barat / DKI & West Java
DIY & Jawa Tengah / DIY & Central Java
Jawa Wilayah Timur / East Java
Kalimantan / Kalimantan
Sulawesi / Sulawesi
Wilayah Lainnya / Other Island
Total

Tahun Underwriting / Underwriting Year
2006
2007
2008
2009
94.23
5%
92.17
5%
63.83
4%
49.06
4%
208.61
12% 176.08
10% 203.89
11% 131.30
12%
792.90
46% 818.29
46% 928.63
51% 595.03
53%
148.95
9% 144.90
8% 107.60
6%
49.51
4%
209.29
12% 285.12
16% 265.86
15% 182.88
16%
178.62
10% 156.87
9% 107.80
6%
52.88
5%
59.32
3%
64.81
4%
67.35
4%
22.79
2%
42.47
2%
54.30
3%
58.63
3%
42.73
4%
1,734.39
1,792.55
1,803.59
1,126.17
Tabel 1.3 / Table 1.3

Statistik Asuransi Gempa Bumi Indonesia 2009
4|P a g e

Tabel 1.4 dibawah ini menyajikan kontribusi
pendapatan premi asuransi gempa bumi yang
dibagi berdasarkan provinsi, catatan per tanggal
31 Desember 2009.

This following table 1.4 shows earthquake
insurance premium contribution by province, as
at 31 December 2009.

Premi Bruto Asuransi Gempa Bumi Berdasarkan Provinsi
Earthquake Gross Premium By Province
Dalam Jutaan Rupiah
In Million Rupiah

Per / As At 31 Dec 2009

Provinsi / Province
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33

Nanggroe Aceh Darussalam
Sumatera Utara
Sumatera Barat
Riau
Jambi
Sumatera Selatan
Bengkulu
Lampung
Kepulauan Bangka Belitung
Kepulauan Riau
DKI Jakarta
Jawa Barat
Jawa Tengah
DI. Yogyakarta
Jawa Timur
Banten
Bali
Kalimantan Barat
Kalimantan Tengah
Kalimantan Selatan
Kalimantan Timur
Sulawesi Utara
Sulawesi Tengah
Sulawesi Selatan
Sulawesi Tenggara
Gorontalo
Sulawesi Barat
Nusa Tenggara Barat
Nusa Tenggara Timur
Maluku
Maluku Utara
Papua Barat
Papua

2006
27,649.79
66,579.34
13,037.52
106,350.29
4,451.78
55,018.46
1,245.13
15,990.52
678.06
11,835.41
336,559.94
285,977.24
143,295.05
5,658.03
209,290.48
170,361.07
25,744.91
1,659.35
2,779.65
19,156.03
155,024.13
4,173.70
1,006.67
16,717.73
36,900.42
470.11
53.06
1,963.32
660.94
986.22
51.22
1,039.50
12,023.13
1,734,388.21

%
0.02
0.04
0.01
0.06
0.00
0.03
0.00
0.01
0.00
0.01
0.19
0.16
0.08
0.00
0.12
0.10
0.01
0.00
0.00
0.01
0.09
0.00
0.00
0.01
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01

Premi Bruto As. Gempa Bumi
Earthquake Insurance Gross Premium
*) As at 31 Dec 2010
2007
%
2008
28,658.84 0.02
6,018.12
63,515.38 0.04
57,816.84
10,297.59 0.01
19,691.03
72,634.43 0.04
90,968.88
4,027.19 0.00
4,707.99
51,297.16 0.03
32,399.78
1,598.24 0.00
3,390.81
19,843.54 0.01
32,203.33
154.01 0.00
3,337.05
16,232.12 0.01
17,195.89
343,024.53 0.19
405,367.11
306,473.96 0.17
333,158.73
138,512.45 0.08
95,235.54
6,391.56 0.00
12,367.32
285,116.62 0.16
265,863.62
168,795.97 0.09
190,101.77
32,221.43 0.02
46,535.15
1,765.28 0.00
2,914.00
2,714.05 0.00
3,576.88
22,533.05 0.01
45,667.09
129,855.25 0.07
55,638.79
5,111.50 0.00
4,774.35
1,551.16 0.00
1,649.39
23,069.68 0.01
23,920.42
34,438.72 0.02
36,343.14
558.02 0.00
545.61
78.55 0.00
113.26
3,706.01 0.00
2,771.45
470.79 0.00
674.42
528.84 0.00
456.61
703.64 0.00
687.02
1,151.93 0.00
1,263.10
15,519.60 0.01
6,238.68
1,792,551.10
1,803,593.18

%
0.00
0.03
0.01
0.05
0.00
0.02
0.00
0.02
0.00
0.01
0.22
0.18
0.05
0.01
0.15
0.11
0.03
0.00
0.00
0.03
0.03
0.00
0.00
0.01
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

2009
986.29
48,073.42
9,738.21
28,855.06
30,704.83
23,543.85
2,580.54
22,018.53
582.87
13,276.88
228,209.08
234,771.25
43,241.85
6,265.63
182,877.79
132,045.60
35,567.04
1,475.26
4,466.40
9,924.12
37,012.08
3,383.33
930.49
17,210.68
551.64
187.73
522.65
1,764.71
402.12
656.16
319.11
1,182.48
2,838.38
1,126,166.06

%
0.00
0.04
0.01
0.03
0.03
0.02
0.00
0.02
0.00
0.01
0.20
0.21
0.04
0.01
0.16
0.12
0.03
0.00
0.00
0.01
0.03
0.00
0.00
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Tabel 1.4 / Table 1.4

Statistik Asuransi Gempa Bumi Indonesia 2009
5|P a g e

D. Jumlah Risiko

D. Number of Risks

Seiring dengan pertumbuhan jumlah premi bruto
yang terus meningkat, jumlah risiko asuransi
gempa bumi juga terus meningkat. Tercatat
sampai dengan 31 Desember 2009, jumlah risiko
gempa bumi untuk tahun underwriting 2006
adalah 71.115 risiko, di tahun underwriting 2007,
jumlah tersebut naik sebesar 13% menjadi
80.607 risiko. Untuk tahun underwriting 2008
jumlah risiko naik cukup signifikan, dengan
kenaikan sebesar 24% dibanding dengan tahun
underwriting 2007. Sedangkan untuk tahun
underwriting 2009, jumlah risiko tercatat
sebanyak 56,004 risiko. Angka ini akan terus
bertambah, karena pensesian masih terus
berlangsung.

The gross premium of earthquake insurance
grows as well as the number of earthquake risk.
As at 31 December 2009, it is recorded that
earthquake risks for underwriting year 2006 is
71.115 risks. In underwriting year 2007 these are
80.607 risks or increased by 13%. For
underwriting year 2008, the number of risks
increased significantly by 24% compared to
underwriting year 2007. In the meantime, the
number of risk for underwriting year 2009 is
56.004 risks and will keep increasing since the
cession still continues.

Table dibawah ini menyajikan jumlah risiko,
namun tidak termasuk risiko multilokasi yg tidak
lengkap datanya, dimana kami kesulitan
memisahkannya untuk menjadi satu risiko.

The following table shows earthquake number of
risks, excluding undefined multi location risks as
we see it difficult to separate them into single
risk.

Pertumbuhan Jumlah Risiko Asuransi Gempa Bumi
Earthquake Insurance Risk Number Development

Per / As At 31 Dec 2009

Okupasi
Agricultural
Commercial
Industrial
Residential
Total

2006
464
38,084
8,969
23,598
71,115

1%
54%
13%
33%

Tahun Underwriting / Underwriting Year
2007
2008
413
1%
619
1%
38,175
47%
56,980
57%
11,395
14%
9,314
9%
30,624
38%
32,758
33%
80,607
99,671
Tabel 1.4 / Table 1.4

2009
281
29,934
6,108
19,681
56,004

1%
53%
11%
35%

*) Tidak termasuk risiko multilokasi yang tidak terdefinisi secara lengkap / excluding undefined multilocation risks
Tabel 1.5 / Table 1.5

.

Statistik Asuransi Gempa Bumi Indonesia 2009
6|P a g e

Peta 1.1 / Map 1.1

Statistik Asuransi Gempa Bumi Indonesia 2009
7|P a g e

E. Pertumbuhan Incurred Claim

E.

Yang dimaksud dengan Incurred claim adalah
klaim dibayar ditambah dengan klaim yang masih
dalam proses penyelesaian.

It is claim paid plus outstanding claims.

Tahun 2009 ini adalah tahun yang teramat berat
bagi bangsa ini. Berbagai bencana gempa bumi
terjadi, seperti gempa Padang, gempa
Tasikmalaya, dan gempa Papua.

Year 2009 is the hardest year for Indonesia due
to numbers of big earthquakes occurred in
Padang, Tasikmalaya and Papua.

Di awal tahun 2009, sebuah gempa besar
menghantam Manokwari, Provinsi Papua Barat.
Empat orang dinyatakan meninggal dunia, lebih
dari 66 orang luka, dan lebih dari 500 rumah
rusak parah. Gempa pertama terjadi pada
tanggal 4 januari 2009, pukul 02.43.51 waktu
setempat dengan skala 7,2 richter, lokasi pusat
gempa berada di 135km timur laut Manokwari.
Diikuti oleh gempa susulan sebesar 7,6 pada
pukul 05.33.40 yang berlokasi pada 95 km barat
Manokwari pada kedalaman 10 km.

At the beginning of the year 2009, a powerful
earthquake hit Manokwari, West Papua Province.
4 people died and over 66 people injured while
more than 500 buildings were heavily damaged.
The first earthquake struck at 02:43:51 local time
on 4 January 2009 on 7.2 Richter magnitude
scale, located in 135 km Northwest of
Manokwari, it is followed by 7.6 Mw at 05.33:40
WIB located on 95 km west of Manokwari both
onshore in depth of 10 km.

Bencana gempa bumi kemudian terjadi pula di
pulau jawa. Pada tanggal 02 September 2009,
warga Jakarta panik hingga berhamburan keluar
rumah dan gedung. Gempa tektonik berkekuatan
7,3 pada skala richter mengguncang
Tasikmalaya, Jawa Barat. Korban Jiwa dan
kerugian material meluas, tak hanya di
Tasikmalaya, namun hingga ke Cianjur, Garut,
Sukabumi, Bandung, Bogor dan Ciamis.
Sejumlah desa bahkan habis tertimpa longsor
akibat gempa. Badan Penanggulangan Bencana
Nasional (BNPB) mencatat setidaknya 10.000
unit rumah rusak berat. Data ini belum termasuk
kerusakan ratusan fasilitas umum seperti
sekolah, tempat Ibadah, dan kantor.

The earthquake also occurred later on the Java
Island. On 2 September 2009, residents of
Jakarta were panic and jumped out of the house
and buildings. Tectonic earthquake measuring
7.3 on the Richter scale shocked Tasikmalaya,
West Java. Fatalities and material damage were
widespread, not only in Tasikmalaya, but up to
Cianjur, Garut, Sukabumi, Bandung, Bogor and
Ciamis. Some villages were crushed by
landslides caused by the earthquake. The
National Disaster Management Agency (BNPB)
recorded at least 10,000 housing units were
severely damaged. This data did not include
damages to hundreds of public facilities such as
schools, places of worship, and offices.

Growth of Incurred Claim

Statistik Asuransi Gempa Bumi Indonesia 2009
8|P a g e

Pada tanggal 30 September 2009, gempa
berkekuatan 7,6 skala richter menghantam
wilayah Sumatera Barat dan sekitarnya. Gempa
menyebabkan kerusakan parah di beberapa
wilayah di Sumatera Barat seperti Kabupaten
Padang Pariaman, Kota Padang, Kabupaten
Pesisir Selatan, Kota Pariaman, Kota Bukittinggi,
Kota Padangpanjang, Kabupaten Agam, Kota
Solok, dan Kabupaten Pasaman Barat.

On September 30, 2009, an earthquake
measuring 7.6 Richter scale hit West Sumatra
and the surrounding regions. The earthquake
caused severe damages in several areas in West
Sumatera like Padang Pariaman Regency, Kota
Padang, Pesisir Selatan District, Pariaman,
Bukittinggi, Padangpanjang, Agam District,
Solok, and West Pasaman district.

Provinsi Sumatera Barat secara geografis berada
di antara pertemuan dua lempeng benua besar
(lempeng Eurasia dan lempeng Indo-Australia)
dan patahan (sesar) Semangko. Di dekat
pertemuan kedua lempeng terdapat patahan
Mentawai. Ketiganya merupakan daerah seismik
aktif. Menurut catatan ahli, gempa wilayah
Sumatera Barat memiliki siklus 200 tahunan.
Gempa besar yang pada awal abad ke-21 telah
memasuki masa berulangnya siklus.

West Sumatra Province is geographically located
between the confluence of two major continental
plates (the Eurasian plate and the IndoAustralian plate) and fracture (fault) Semangko.
Near, by there is plate Mentawai. All are active
seismic areas. According to the experts study,
the earthquake region of West Sumatra has a
cycle of 200 years. Large earthquake in the early
21st century has entered a period of recurrence
of the cycle.

Bencana gempa ini sendiri merupakan akibat
dua gempa yang terjadi kurang dari 24 jam pada
lokasi yang relatif berdekatan. Pada hari Rabu 30
September terjadi gempa berkekuatan 7,6 pada
Skala Richter dengan pusat gempa (episentrum)
57 km di barat daya Kota Pariaman (00,84 LS
99,65 BT) pada kedalaman (hiposentrum) 71 km.
Pada hari Kamis 1 Oktober terjadi lagi gempa
kedua dengan kekuatan 6,8 Skala Richter, kali ini
berpusat di 46 km tenggara Kota Sungai penuh
pada pukul 08.52 WIB dengan kedalaman 24 km.
Gempa pertama terjadi pada daerah patahan
Mentawai (di bawah laut) sementara gempa
kedua terjadi pada patahan Semangko di
daratan.

The earthquake itself was the result of two
earthquakes that occurred less than 24 hours at
a location relatively close together. On
Wednesday, September 30, an earthquake
measuring 7.6 on the Richter Scale with
epicenter of the earthquake (epicenter) 57 km to
the southwest city of Pariaman (00,84 LS 99.65
BT) at a depth (hiposentrum) 71 km. On
Thursday, October 1 occurred again with a force
of 6.8 earthquakes on the Richter scale, centered
at 46 km southeast of Sungai Penuh at 8:52 pm
with a depth of 24 km. The first earthquake
occurred in the Mentawai fault area (under the
sea) while the second quake occurred on the
fault Semangko on the mainland.

Menurut data Satkorlak Penanggulangan
Bencana, sedikitnya 1.117 orang tewas akibat
gempa ini yang tersebar di 3 kota dan 4
kabupaten di Sumatera Barat, korban luka berat
mencapai 1.214 orang, luka ringan 1.688 orang,
korban hilang 1 orang. Sedangkan 135.448
rumah rusak berat, 65.380 rumah rusak sedang,
& 78.604 rumah rusak ringan. Jumlah

According to Satkorlak Penanggulangan
Bencana, at least 1.117 people died in this
earthquake, spread over 3 cities and 4 districts in
West Sumatra. Serious injured casualties
reached 1.214, 1.688 people were slightly
injured; the victim lost was 1 person. Meanwhile,
135,448 houses were severely damaged, 65,380
houses were moderately damaged, and 78,604
houses were lightly

Statistik Asuransi Gempa Bumi Indonesia 2009
9|P a g e

kerugian ekonomi gempa ini, seperti yang
dilaporkan oleh wakil gubernur Sumatera Barat
berdasarkan verifikasi final adalah sebesar Rp.
21.580 milliar.
Kerugian asuransi atas gempa pariaman ini
dipastikan akan sangat besar. Menurut catatan
per 31 Desember 2009, jumlah incurred claim
akibat gempa ini telah mencapai Rp. 835,33
milliar. Kerugian asuransi ini jauh lebih besar dari
kerugian gempa bumi Yogyakarta 2006 lalu,
yang per 31 Desember 2009 ini, tercatat hanya
Rp. 336,43 milliar. Diperkirakan angka ini akan
terus bertambah, karena masih banyak klaim
yang masih dalam penilaian.

damaged. Economic loss of Pariaman
earthquake, as reported on final verification
report by deputy governor of West Sumatera
mentioned that economic loss is Rp. 21.580
billion.
Insured Loss on Pariaman earthquake will
certainly enormous. As of December 31, 2009,
the number of incurred claim by the quake
reached Rp. 835.33 billion. Insured loss was far
greater than the loss of Yogyakarta earthquake in
2006, as at 31 December 2009, accounted for
only Rp. 336.43 billion. It is estimated that this
figure will continue to grow, because there are
still many claims revisions.

Berdasarkan data per tanggal 31 Desember
2009, Besar kerugian asuransi akibat bencana
alam di tahun ini sebesar Rp. 969.473,90 milliar.
Ini adalah kerugian asuransi terbesar sepanjang
Maipark berdiri di tahun 2004.

Based on data as of December 31, 2009, the big
insured loss from natural disasters this year
amounted to Rp. 969,473.90 billion. It is the
biggest insured loss since the establishment of
Maipark in 2004.

Grafik dibawah ini menunjukkan jumlah kerugian
asuransi gempa bumi yang dilaporkan sepanjang
tahun 2004 hingga 2009 ini.

The graphic below tells us about earthquake
insured loss reported for 2004 - 2009.

Kerugian Asuransi Gempa Bumi Yang Dilaporkan 2004 - 2009
Earthquake Insurance Insured Loss 2004 - 2009
Per / As At 31 Dec 2009

969,473.90

Dalam Jutaan Rupiah
In Million Rupiah

615,842.93

339,259.25
111,230.06
18,680.67

3,726.34

2004

2005

2006

2007

2008

2009

Grafik 1.3 / Graph 1.3

Statistik Asuransi Gempa Bumi Indonesia 2009
10 | P a g e

Tabel dibawah ini menampilkan incurred claim
sepanjang tahun 2009

Below table shows incurred claim during this
2009.

Incurred Claim 2009
Dalam Jutaan Rupiah
In Million Rupiah

Per / As At 31 Dec 2009

Kejadian / Event
Nama / Name
Manokwari
Palu
Padang
Padang
Tasikmalaya
Nusa Dua
Pariaman
Kepahyang
Ujung Kulon
Bima

Tanggal Peristiwa

Kerugian ( Dalam Rupiah )

Jenis / Type

Date of Occurance

Loss ( In Rupiah )

Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake

4-Jan-09
2-Mar-09
16-Apr-09
16-Aug-09
2-Sep-09
19-Sep-09
30-Sep-09
1-Oct-09
16-Oct-09
9-Nov-09

2,952,454,937
2,800,000
226,140,075
51,125,960,170
47,928,196,253
921,078,296
835,328,242,563
259,440,505
119,586,208
30,610,000,000

Tabel 1.9 / Table 1.9

Statistik Asuransi Gempa Bumi Indonesia 2009
11 | P a g e

Peta 1.2 / Map 1.2

Statistik Asuransi Gempa Bumi Indonesia 2009
12 | P a g e

Table dibawah ini menyajikan pertumbuhan klaim
dari semua event 2004 – 2009.

This following table shows claim development for
all claim events during period of 2004 – 2010.

Pertumbuhan Incured Claim Semua Kejadian 2004 - 2010
Earthquake Insurance Incurred Claim All Event 2004 - 2010

Kejadian / Event
Nama

Jenis

Name

Type

Bali
Padang
Nabire
Aceh
Cilegon
Ambon
Nias
Padang
Sibolga
T BA
T anjung Karang
Sibolga
Yogyakarta
Pangandaran
Jakarta
Wonosari
Pandeglang
Manado
Padang
Bukittingggi
Cipanas
Jakarta
Carita
Jakarta
Bengkulu
Denpasar
Painan
Dompu
Manokwari
Painan
Benkulu
Padang
Pekat
Padang
Rababima
Lahat
Sukabumi
Bandung
Gorontalo
Aceh
Manokwari
T BA
T BA
Palu
Padang
T BA
Padang
T asikmalaya
Nusa Dua
Pariaman
Kepahyang
T BA
Manokwari
Ujung Kulon
Bima

Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake
Earthquake

Tanggal Peristiwa
Date of
Occurance
2-Jan-04
16-Feb-04
26-Nov-04
26-Dec-04
15-Jan-05
2-Mar-05
28-Mar-05
10-Apr-05

12-May-06
19-May-06
27-May-06
17-Jul-06
19-Jul-06
22-Sep-06
24-Dec-06
21-Jan-07
6-Mar-07
13-Mar-07
27-Jul-07
9-Aug-07
10-Aug-07
26-Aug-07
12-Sep-07
8-Oct-07
24-Oct-07
25-Nov-07
7-Jan-08
25-Feb-08
3-Apr-08
28-Jul-08
7-Aug-08
8-Aug-08
28-Aug-08
9-Sep-08
10-Oct-08
11-Oct-08
17-Nov-08
21-Dec-08
4-Jan-09
26-Jan-09
10-Feb-09
2-Mar-09
16-Apr-09
8-May-09
16-Aug-09
2-Sep-09
19-Sep-09
30-Sep-09
1-Oct-09
9-Oct-09
15-Oct-09
16-Oct-09
9-Nov-09

Klaim Reported / Claim Reported
Per 31 Desember /As At 31 December
2008

2009

4,070,000
12,402,600
3,299,345,206
612,226,619,221
780,267,740
348,125,037
2,608,811,120
1,399,712,953
95,000,000
800,000,000
33,575,300
255,920,900,053
2,418,989,460
257,918,125
97,589,358
16,477,760
428,830,661
47,672,720,251
22,500,000
5,641,754,146
14,271,971
75,203,058,711
32,543,000
12,906,700
15,000,000
1,922,050,000
2,511,494,000
50,000,000
55,416,667
10,475,000,000
450,000,000

821,873,750

12,402,600
3,299,345,206
612,531,185,533
816,431,678
348,125,037
1,149,513,632
1,412,272,780

33,575,300
7,612,000
336,432,968,532
2,428,124,860
242,903,125
97,589,358
16,477,760
503,894,784
44,471,563,444
22,500,000
36,699,006
5,729,674,675
14,271,971
30,587,366
60,321,833,456
82,035,138
12,906,700
4,090,000
1,073,890,300
503,923,036
50,000,000
44,535,354
15,863,721,995
57,192,354
358,349,490
974,500
115,000,000
559,100,686
53,980,575
2,952,454,937

2,800,000
226,140,075
51,125,960,170
47,928,196,253
921,078,296
835,328,242,563
259,440,505

119,586,208
30,610,000,000
1,025,649,223,788.76

2,058,213,151,237.79

Tabel 2.0 / Table 2.0

Statistik Asuransi Gempa Bumi Indonesia 2009
13 | P a g e

Peta 1.3 / Map 1.3

Statistik Asuransi Gempa Bumi Indonesia 2009
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NATIONAL AGGREGATE EXPOSURES BY CRESTA
As At 31 December 2009
Table 2.1

In IDR
CRESTA ZONE

U/Y 2005
Amount

in %

U/Y 2006
Amount

in %

in %

in %

19,558,587,948,251.30

Medan

1.2

28,137,089,340,559.10

37,614,766,828,547.20

40,266,507,995,498.80

36,995,562,334,792.40

23,497,696,785,028.40

Others

1.3

9,665,997,686,081.70

20,642,457,483,500.10

16,783,167,146,596.80

13,927,347,583,764.80

17,249,945,888,727.10

57,361,674,974,892.10

4%

80,822,155,783,239.70

5%

78,847,496,077,283.30

1,243,747,474,310.66

U/Y 2009
Amount

1.1

1

21,797,820,935,187.80

U/Y 2008
Amount

Banda Aceh

North Sumatera

22,564,931,471,192.40

U/Y 2007
Amount

5%

52,166,657,392,867.90

541,801,271,791.60

4%

41,289,443,945,547.10

Padang

2.1

5,246,554,344,258.29

5,115,117,625,752.85

4,477,993,314,008.37

11,088,612,547,802.00

3,457,683,179,085.15

Palembang

2.2

26,044,328,687,045.10

31,747,488,493,919.80

29,393,829,655,798.90

9,586,687,440,609.30

5,468,360,367,296.80

Others

2.3

85,078,633,101,277.70

165,420,150,966,639.00

127,834,745,802,912.00

143,080,928,230,813.00

110,441,449,860,189.00

South Sumatera

2

116,369,516,132,581.00

DKI Jakarta

3.1

512,361,820,196,686.00

270,398,212,403,235.00

266,177,961,883,188.00

294,637,264,369,306.00

174,221,426,377,178.00

Bandung

3.2

26,489,234,747,708.70

38,355,364,127,409.50

33,073,241,404,495.30

37,339,001,488,740.70

4,226,055,690,620.00

Others

3.3

411,216,138,270,203.00

3

950,067,193,214,598.00

DKI & West Java

7%

202,282,757,086,311.00

13%

372,674,463,760,529.00
61%

11%

371,863,520,056,450.00
45%

27,427,342,751,182.10

671,114,723,344,134.00

163,756,228,219,224.00

12%

376,560,648,704,834.00
45%

4.2

3,796,006,609,950.96

4,141,815,844,451.76

5,890,628,514,880.09

9,541,735,392,861.68

4,757,990,052,720.60

Others

4.3

55,524,224,651,423.30

96,469,108,290,950.60

88,693,096,139,362.90

54,149,574,122,106.70

36,344,039,501,683.10

4

77,251,276,312,250.30

8%

121,033,034,790,384.00

22,329,092,094,361.80

485,356,741,465,714.00

Yogyakarta

128,038,266,886,584.00

8%

86,020,401,609,330.20

6%

42,192,331,805,856.00

5.1

42,691,740,623,228.50

39,281,785,113,920.20

39,806,257,961,459.00

55,173,144,407,002.00

33,140,876,789,122.10

Others

5.2

112,581,066,670,440.00

143,980,015,300,594.00

189,942,623,294,877.00

164,414,222,136,876.00

124,239,673,677,181.00

5

155,272,807,293,668.00

10%

183,261,800,414,514.00

12%

229,748,881,256,336.00

15%

6

126,317,167,129,982.00

8%

153,509,017,473,083.00

10%

133,020,937,447,058.00

9%

Kalimantan

13%

51%

1,090,302,251,452.25

Surabaya

East Java

4%

306,909,259,397,916.00
50%

4.1

5%

26,449,310,136,141.20

708,536,914,562,881.00

119,367,493,406,571.00

Semarang

DIY & Central Java

17,931,045,050,876.00

681,428,040,291,173.00

161,706,568,772,719.00

in %

4%

219,587,366,543,878.00

16%

157,380,550,466,303.00

17%

85,660,523,369,080.00

6%

46,908,775,362,275.70

5%

Ujung Pandang

7.1

6,185,748,726,847.72

9,734,930,202,012.80

13,580,572,116,708.90

11,858,126,298,351.80

9,348,935,598,947.54

Others

7.2

43,578,771,491,006.90

44,005,956,587,199.10

40,276,571,198,793.20

42,194,179,568,638.70

10,520,214,616,535.10

Sulawesi

7

49,764,520,217,854.70

3%

53,740,886,789,211.90

4%

53,857,143,315,502.10

4%

54,052,305,866,990.50

4%

19,869,150,215,482.70

2%

Other Island

8

24,906,824,288,087.00

2%

35,475,436,048,023.50

2%

42,708,408,542,586.30

3%

44,134,631,987,544.50

3%

34,118,623,292,109.20

4%

T OT A L

1,557,310,979,563,910.00

100%

1,518,558,360,772,140.00

100%

1,492,037,193,546,000.00

100%

1,413,915,029,551,800.00

100%

946,483,109,959,859.00

100%

Statistik Asuransi Gempa Bumi Indonesia 2009
15 | P a g e

Grafik 2.1

Statistik Asuransi Gempa Bumi Indonesia 2009
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NATIONAL AGGREGATE EXPOSURES BY OCCUPATION
As At 31 December 2009
Table 2.2
Description

U/Y 2005

In %

U/Y 2006

In %

U/Y 2007

In %

U/Y 2008

In %

U/Y 2009

In IDR
In %

Agricultural

61,942,135,248,115.50

4%

9,840,296,069,672.66

1%

10,216,620,816,116.90

1%

16,025,171,749,587.00

1%

8,338,738,969,501.26

1%

Commercial

260,980,311,341,982.00

17%

348,748,832,792,887.00

23%

304,117,991,663,755.00

20%

348,668,162,180,442.00

25%

197,303,283,938,017.00

21%

Industrial

928,999,162,765,924.00

60%

1,100,101,277,227,930.00

72%

1,067,695,381,512,080.00

72%

903,846,597,402,321.00

64%

661,202,559,621,438.00

70%

Residential

305,389,370,207,893.00

20%

59,867,954,681,651.70

4%

110,007,199,554,049.00

7%

145,375,098,219,447.00

10%

79,638,527,430,902.50

8%

946,483,109,959,859.00

100%

TOTAL

1,557,310,979,563,910.00 100%

1,518,558,360,772,140.00 100%

1,492,037,193,546,000.00 100%

1,413,915,029,551,800.00 100%

Statistik Asuransi Gempa Bumi Indonesia 2009
17 | P a g e

Grafik 2.2

Statistik Asuransi Gempa Bumi Indonesia 2009
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NATIONAL AGGREGATE EXPOSURES BY INTEREST
As At 31 December 2009
Table 2.3

In IDR
Description

U/Y 2005

U/Y 2006

U/Y 2007

U/Y 2008

U/Y 2009

Building

611,861,631,011,181.00

727,455,323,232,449.00

736,242,851,910,110.00

577,468,015,660,992.00

453,573,040,517,034.00

Machinery

334,317,430,934,478.00

285,910,590,803,287.00

272,395,523,967,001.00

253,272,388,118,646.00

146,611,985,761,144.00

Stock

276,065,895,579,831.00

111,804,961,583,085.00

122,830,495,226,567.00

153,589,718,386,021.00

98,199,282,713,536.00

Others

239,120,244,536,531.00

267,095,822,076,663.00

248,205,135,610,190.00

293,050,408,893,822.00

147,760,392,679,351.00

1,461,365,202,062,020.00

1,392,266,697,695,480.00

1,379,674,006,713,870.00

1,277,380,531,059,480.00

846,144,701,671,066.00

95,945,777,501,893.80

126,291,663,076,656.00

112,363,186,832,136.00

136,534,498,492,316.00

100,338,408,288,793.00

1,557,310,979,563,910.00

1,518,558,360,772,140.00

1,492,037,193,546,000.00

1,413,915,029,551,800.00

946,483,109,959,859.00

SUB TOTAL
Business Interruption
T OT A L

Statistik Asuransi Gempa Bumi Indonesia 2009
19 | P a g e

Grafik 2.3

Statistik Asuransi Gempa Bumi Indonesia 2009
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NATIONAL AGGREGATE EXPOSURES PER PROVINCE
As At 31 December 2009
Table 2.4

In IDR
PROVINCE

1 Nanggroe Aceh Darussalam
2 Sumatera Utara
3 Sumatera Barat
4 Riau
5 Jambi
6 Sumatera Selatan
7 Bengkulu
8 Lampung
9 Kepulauan Bangka Belitung
10 Kepulauan Riau
11 DKI Jakarta
12 Jawa Barat
13 Jawa Tengah
14 DI. Yogyakarta
15 Jawa Timur
16 Banten
17 Bali
18 Kalimantan Barat
19 Kalimantan Tengah
20 Kalimantan Selatan
21 Kalimantan Timur
22 Sulawesi Utara
23 Sulawesi Tengah
24 Sulawesi Selatan
25 Sulawesi Tenggara
26 Gorontalo
27 Sulawesi Barat
28 Nusa Tenggara Barat
29 Nusa Tenggara Timur
30 Maluku
31 Maluku Utara
32 Papua Barat
33 Papua

T OTAL

U/Y 2006
Amoun