KATA PENGANTAR FOREWORD

(1)

(2)

(3)

KATA PENGANTAR

FOREWORD

Dengan mengucap syukur ke hadirat Tuhan Yang

Maha Esa, buku “Perasuransian Indonesia 2011” ini

akhirnya dapat diterbitkan untuk seluruh masyarakat

Indonesia, khususnya pemerhati industri asuransi di

Indonesia.

Let us offer praises and gratitude to God

Almighty for His mercy and blessing that the book of

“Indonesian Insurance 2011” can be published for

Indonesian communities and insurance industry

observers in particular.

Buku “Perasuransian Indonesia 2011” ini

merupakan penerbitan laporan kegiatan usaha

perasuransian yang ke 44 yang berisi tentang kegiatan

usaha perasuransian tahun 2011 beserta

perkembangannya selama lima tahun terakhir. Buku ini

disusun sebagai salah satu sarana untuk memberikan

informasi kepada masyarakat mengenai usaha

perasuransian di Indonesia. Besar harapan kami, buku ini

dapat bermanfaat bagi masyarakat, khususnya industri

asuransi dan pengguna yang tertarik dengan industri

asuransi Indonesia.

This is the 44

th

_{publication series of insurance}

business activities report, which covers the Indonesian

insurance business in 2011 and its development in the

last five consecutive years. This book is published as

one of the tools for sharing information to public about

Indonesia insurance business. It is our great wishes

that this book would be useful for public, especially for

insurance communities who are interested in

Indonesian insurance industry.

Berbeda dengan penerbitan sebelumnya,

angka-angka pada lampiran asuransi jiwa dan asuransi kerugian

khususnya pada data keuangan merupakan angka

asuransi konvensional saja. Data mengenai asuransi

syariah disajikan tersendiri.

Sumber data Data keuangan yang disajikan dalam

Buku “Perasuransian Indonesia 2011” ini disusun

berdasarkan laporan keuangan tahun 2011 yang telah

diaudit oleh akuntan publik, sedangkan data teknis

asuransi disusun berdasarkan laporan operasional tahun

2011 yang dilaporkan perusahaan kepada BAPEPAMLK.

In contrast to the previous publications, the

figures in the appendix, specifically in commercial

insurance financial data, include conventional

insurance data only. Data on Sharia insurance is

presented in a separate table.

The financial data of this book were compiled

from the 2011 audited financial statements of

insurance business. Meanwhile, the technical data

were compiled from the 2011 operational reports

submitted to BAPEPAMLK.

Pada proses penyusunan buku “Perasuransian

Indonesia 2011” ini kami juga telah melakukan koreksi

terhadap beberapa data statistik yang disajikan pada buku

tahun sebelumnya sehingga mungkin data tersebut

berbeda dengan yang disajikan pada buku tahun

sebelumnya.

Moreover, we have also corrected some

statistical data of previous book so that they may now

be presented differently compared to those presented

in previous book.

Kami menyadari kebutuhan penyempurnaan buku

tahunan ini masih sangat tinggi. Kritik dan saran

penyempurnaan masih sangat kami harapkan. Akhir kata,

kami mohon maaf apabila masih ditemukan kesalahan data

dan informasi yang disajikan dalam buku ini.

We realize that the book still needs a lot of

improvements. Constructive comments and inputs are

most welcome. Lastly, we apologize for any incorrect

data and information that may be presented.

Jakarta, Desember 2012

Jakarta, December 2012

Badan Pengawas Pasar Modal dan Lembaga Keuangan

Kementerian Keuangan Republik Indonesia

Capital Market and Financial Institutions Supervisory Agency

Ministry of Finance, Republic of Indonesia

(4)

(5)

DAFTAR ISI

Hal.

Page

KATA PENGANTAR

i

PREFACE i

DAFTAR ISI

ii

CONTENTS ii

INDIKATOR KUNCI

ix

KEY INDICATORS

ix

IKHTISAR KEGIATAN USAHA PERASURANSIAN DI

INDONESIA TAHUN 2011

SUMMARY OF INDONESIAN INSURANCE BUSINESS

ACTIVITIES IN 2011

A. UMUM

1 A. GENERAL

1 B. STRUKTUR

PASAR

1 B. MARKET

STRUCTURE

`

Tabel 1.1

Pertumbuhan Jumlah Perusahaan

Perasuransian

2 Table 1.1

The Growth of Total Insurance

Companies

2 C. PERTUMBUHAN PREMI BRUTO

3

C. THE GROWTH OF GROSS PREMIUM

3 Tabel 1.2

Premi Bruto dan Produk Domestik

Bruto

3 Table 1.2

Gross Premium and Gross

Domestic Product

3 Tabel 1.3

Premi Bruto Menurut Jenis Usaha

4 Table 1.3

Gross Premium According to

Insurance Sectors

4 Grafik 1.1

Alokasi Premi Bruto Menurut Sektor

Usaha Tahun 2011

4 Graph 1.1

Gross Premiums Allocation

According to Insurance Sectors in

2011

4 D. PERTUMBUHAN JUMLAH KLAIM DIBAYAR

5

D. THE GROWTH OF CLAIMS PAID

5 Tabel 1.4

Pertumbuhan Klaim Dibandingkan

dengan Premi Bruto

5 Table 1.4

The Growth of Claim Paid Relative

to Gross Premium

5 Grafik

1.2.a

Proporsi Klaim Dibayar Menurut

_{Jenis Usaha Tahun 2011}

6 Graph

1.2.a

Claim Paid According to Insurance

_{Sectors in 2011}

6 Grafik

1.2.b

Rasio Klaim Dibayar terhadap Premi

_Bruto

6 Graph

1.2.b

Ratio of Claims Paid to Gross

_Premiums

6 E. PERTUMBUHAN JUMLAH KEKAYAAN DAN

INVESTASI

7

E. THE GROWTH OF ASSETS AND INVESTMENTS

7 Tabel 1.5

_{Jumlah Kekayaan Industri Asuransi}

₇

Table 1.5

The Total Assets of Insurance

Industry

7 Grafik 1.3

Kekayaan Industri Asuransi Menurut

Jenis Usaha Tahun 2011

8 Graph 1.3

The Assets of Insurance Industry

According to Insurance Sectors in

2011

8 Tabel 1.6

Jumlah Investasi Industri Asuransi

₉

Table 1.6

Total Investments of Insurance

Industry

9 Grafik 1.4.a

Persentase Investasi untuk Setiap

Sektor Usaha Tahun 2011

9 Graph 1.4.a

The Percentage of Investment for

Each Insurance Sector in 2011

9 Grafik 1.4.b

Rasio Investasi terhadap Kekayaan

Sektor Industri Asuransi 2007 -2011

10 Graph 1.4.b

The Ratio of Investment Relative

to Total Assets of Insurance

Industry Sector 2007 - 2011

10 Tabel 1.7

Portofolio Investasi Industri Asuransi

11 Table 1.7

The Investment Portfolio of

Insurance Industry

11 Grafik 1.5

Portofolio Investasi Industri Asuransi

Tahun 2011

12 Graph 1.5

The Investment Portfolio of

Insurance Industry in 2011

12 F. NERACA PEMBAYARAN JASA ASURANSI

KERUGIAN DAN REASURANSI

13

F. BALANCE OF SERVICES PAYMENT OF NON

LIFE INSURANCE AND REINSURANCE

COMPANIES

13 Tabel 1.8

Kegiatan Asuransi Ke dan Dari Luar

Negeri

13 Table 1.8

The Balance of Payment of

Insurance Industry

13 Grafik 1.6.a

Transaksi Berjalan Sektor Asuransi

14 Graph 1.6.a

Balance of Payment of Insurance

(6)

Grafik 1.6.b

Rasio Klaim Kegiatan Bisnis

Reasuransi dengan Luar Negeri

14 Graph 1.6.b

The Claim Ratio of International

Reinsurance Business Activities

14 G. USAHA ASURANSI DAN REASURANSI DENGAN

PRINSIP SYARIAH

15

G. SHARIA INSURANCE AND REINSURANCE

BUSINESS

15 G.1. STRUKTUR PASAR ASURANSI DENGAN

PRINSIP SYARIAH

15 G.1. THE MARKET STRUCTURE OF SHARIA

INSURANCE BUSINESS

15 Tabel 1.9

Pertumbuhan Usaha Asuransi dan

Reasuransi dengan Prinsip Syariah

15 Table 1.9

The Growth of Sharia Insurance

and Reinsurance Business

15 G.2. PERTUMBUHAN PREMI BRUTO DAN KLAIM

BRUTO

15 G.2. THE GROWTH OF GROSS PREMIUM AND

GROSS CLAIM

15 Tabel 1.10

Pertumbuhan Usaha Asuransi dan

Reasuransi dengan Prinsip Syariah

16 Table 1.10

The Growth of Sharia Insurance

and Reinsurance Business

16 Tabel 1.11

Pertumbuhan Usaha Asuransi Jiwa

dengan Prinsip Syariah

17 Table 1.11

The Growth of Sharia Life

Insurance Business

17 Tabel 1.12

Pertumbuhan Usaha Asuransi

Kerugian dan Reasuransi dengan

Prinsip Syariah

18 Table 1.12

The Growth of Sharia Non-Life

Insurance and Reinsurance

Business

18 G.3. PERTUMBUHAN RASIO KLAIM

18 G.3. THE GROWTH OF CLAIM RATIO

18 Tabel 1.13

Pertumbuhan Rasio Klaim Usaha

Asuransi dengan Prinsip Syariah

18 Table 1.13

The Growth of Claim Ratio of

Sharia Insurance Business

18 G.4. PANGSA PASAR ASURANSI DENGAN PRINSIP

SYARIAH

18 G.4. THE MARKET SHARE OF SHARIA

INSURANCE

18 Tabel 1.14

Pangsa Pasar Asuransi dengan

Prinsip Syariah

19 Table 1.14

The Market Share of Sharia

Insurance Business

19 H. UNIT

LINK

20 H. UNIT

LINK

20 Tabel 1.15

Neraca Perusahaan Asuransi yang

Memasarkan Unit Link Tahun 2011

20 Table 1.15

The Balance Sheet of Insurance

Companies Selling Unit Link in

2011

20 Tabel 1.16

Laba/Rugi Perusahaan Asuransi

yang Memasarkan Unit Link Tahun

2011

20 Table 1.16

Profit/Loss of Insurance

Companies Selling Unit Link in

2011

20

I. USAHA PIALANG ASURANSI DAN REASURANSI,

SERTA PERUSAHAAN PENILAI KERUGIAN

ASURANSI

21

I. INSURANCE AND REINSURANCE BROKERS

AND LOSS ADJUSTERS BUSINESS

21 Tabel 1.17

Pertumbuhan Komisi Pialang dan

Premi Asuransi Melalui Pialang

21 Tabel 1.17

The Growth of Brokers’

Commissions and Gross

Premiums

21 Tabel 1.18

Rekapitulasi Banyaknya Jumlah

Klaim yang Dinilai oleh Perusahaan

Penilai Kerugian Asuransi

22 Tabel 1.18

_{The Recapitulation of Claims}

Appraised By Loss Adjusters

22 Grafik 1.7

Pertumbuhan Kekayaan, Kewajiban,

Modal Sendiri Usaha Pialang

Asuransi dan Reasuransi Tahun

2007 - 2011

23 Graph 1.7

The Growth of The Assets,

Liabilities, Equity of Insurance &

Reinsurance Brokers Business

Years 2007 -2011

23 Grafik 1.8

Pertumbuhan Pendapatan, Biaya,

Laba/Rugi Usaha Pialang Asuransi

dan Reasuransi Tahun 2007 - 2011

24 Graph 1.8

The Growth of The Incomes,

Expenses, Profit / Loss of

Insurance & Reinsurance Brokers

Business Years 2007 -2011

24 LAMPIRAN I

APPENDIX I

USAHA ASURANSI KERUGIAN DAN REASURANSI

25 NON LIFE INSURANCE AND REINSURANCE

BUSINESS

25 Tabel 2.1

Rekapitulasi Neraca Tahun 2011

25 Tabel 2.1

The Recapitulation of Balance Sheet in

2011

25 Tabel 2.1.1

Rekapitulasi Investasi Tahun 2011

28 Tabel 2.1.1

The Recapitulation of Investments in

2011

(7)

Tabel 2.1.2

Rekapitulasi Bukan Investasi Tahun 2011

31 Tabel 2.1.2

The Recapitulation of Non Investments

in 2011

31 Tabel 2.1.3

Rekapitulasi Hasil Investasi Tahun 2011

34 Tabel 2.1.3

The Recapitulation of Investment Income

in 2011

34 Tabel 2.2

Rekapitulasi Laba / Rugi Tahun 2011

37 Tabel 2.2

The Recapitulation of Income Statement

in 2011

37 Tabel 2.3

Kekayaan Perusahaan Tahun 2007 –

2011

40 Tabel 2.3

The Assets of Companies in Year 2007

– 2011

40 Tabel 2.4

Laba / Rugi Perusahaan Tahun 2007 -

2011

43 Tabel 2.4

The Income Statement of Companies in

Year 2007 -2011

43 Tabel 2.5

Investasi dan Cadangan Teknis

Perusahaan Tahun 2007 - 2011

46 Tabel 2.5

Investments and Technical Reserves of

Companies in Year 2007 – 2011

46 Tabel 2.6

Neraca Gabungan per 31 Desember

2011

49 Tabel 2.6

The Consolidated Balance Sheet as at

December 31, 2011

49 Tabel 2.7

Laporan Laba / Rugi Gabungan Tahun

2011

50 Tabel 2.7

The Consolidated Income Statement in

2011

50 Tabel 2.8

Neraca Gabungan per 31 Desember

2007 - 2011

51 Tabel 2.8

The Consolidated Balance Sheet as at

December 31, 2007 – 2011

51 Tabel 2.9

Laporan Laba / Rugi Gabungan Tahun

2007 - 2011

53 Tabel 2.9

The Consolidated Income Statement in

2007 - 2011

53 Tabel 2.10

Rekapitulasi Premi, Klaim, dan Komisi

Tahun 2011

54 Tabel 2.10

The Recapitulation of Premiums, Claims

and Commissions Year 2011

54 Tabel 2.11

Premi Usaha Asuransi Kerugian dan

Reasuransi Tahun 2011

72 Tabel 2.11

The Premiums of Non Life Insurance and

Reinsurance Business in 2011

72 Tabel 2.12

Klaim Usaha Asuransi Kerugian dan

Reasuransi Tahun 2011

102 Tabel 2.12

The Claims of Non Life Insurance and

Reinsurance Business in 2011

102 Tabel 2.13

Pertumbuhan Premi Bruto dan Klaim

Bruto Tahun 2007 - 2011

132 Tabel 2.13

The Growth of Gross Premium and

Gross Claim in 2007 - 2011

132 Tabel 2.14

Pertumbuhan Premi Neto dan Klaim Neto

Tahun 2007 - 2011

134 Tabel 2.14

The Growth of Net Premiums and Net

Claims in 2007 - 2011

134 LAMPIRAN II

APPENDIX II

USAHA ASURANSI JIWA

LIFE INSURANCE BUSINESS

Tabel 3.1

Rekapitulasi Neraca Per 31 Desember

2011

136 Tabel 3.1

The Recapitulation of Balance Sheet as

at December 31, 2011

136 Tabel 3.1.1

Rekapitulasi Investasi per 31 Desember

2011

137 Tabel 3.1.1

The Recapitulation of Investment as at

December 31, 2011

137 Tabel 3.1.2

Rekapitulasi Bukan Investasi per 31

Desember 2011

138 Tabel 3.1.2

The Recapitulation of Non Investment

Assets as at December 31, 2011

138 Tabel 3.1.3

Rekapitulasi Hasil Investasi Tahun 2011

139 Tabel 3.1.3

The Recapitulation of Investment Income

in Year 2011

139 Tabel 3.2

Rekapitulasi Neraca Produk Asuransi

Yang Dikaitkan dengan Investasi Tahun

2011

140 Tabel 3.2

The Recapitulation of Unit Link Balance

Sheet In 2011

140 Tabel 3.3

Rekapitulasi Perhitungan Laba / Rugi

Tahun 2011

141 Tabel 3.3

The Recapitulation of Income Statement

in 2011

141 Tabel 3.4

Rekapitulasi Laba / Rugi Produk Asuransi

Yang Dikaitkan Dengan Investasi Tahun

2011

142 Tabel 3.4

The Recapitulation of Unit Link Income

Statement In 2011

142 Tabel 3.5

Kekayaan, Kewajiban Dan Modal Sendiri

Usaha Asuransi Jiwa Tahun 2007 -

2011

143 Tabel 3.5

Assets, Liabilities And Equity of Life

Insurance Business In Year 2007-2011

143 Tabel 3.6

Laba / Rugi Usaha Asuransi Jiwa Tahun

2007 – 2011

144 Tabel 3.6

The Income Statement of Life Insurance

Business in Year 2007- 2011

144 Tabel 3.7

Investasi dan Cadangan Teknis

(8)

Tabel 3.8

Neraca Gabungan per 31 Desember

2011

146 Tabel 3.8

Consolidated Balance Sheet as at

December 31, 2011

146 Tabel 3.9

Laporan Laba / Rugi Gabungan Tahun

2011

147 Tabel 3.9

Consolidated Income Statement in 2011

147 Tabel 3.10

Neraca Gabungan per 31 Desember

2007 – 2011

148 Tabel 3.10

Consolidated Balance Sheet as at

December 31, 2007- 2011

148 Tabel 3.11

Laporan Laba / Rugi Gabungan Tahun

2007 – 2011

150 Tabel 3.11

Consolidated Income Statement in Year

2007-2011

150 Tabel 3.12.1.A

Laporan Premi Pertanggungan Baru per

Cabang Asuransi Tahun 2011

151 Tabel

3.12.1.A

First Year Premium Report per Line of

Business Year 2011

151 Tabel 3.12.1.B

Laporan Premi Lanjutan per Cabang

Asuransi Tahun 2011

152 Tabel

3.12.1.B

Continuance Premium Report per Line of

Business Year 2011

152 Tabel 3.12.2

Laporan Premi Murni per Cabang

Asuransi Tahun 2011

153 Tabel 3.12.2

Premium Report per Line of Business

Year 2011

153 Tabel 3.12.3

Laporan Asumsi Biaya per Cabang

Asuransi Tahun 2011

154 Tabel 3.12.3

Loading Assumption Report per Line of

Business Year 2011

154 Tabel 3.12.4

Laporan Premi Tahun 2011

155 Tabel 3.12.4

Premium Report Year 2011

155 Tabel 3.13.1

Cadangan Premi per 31 Desember 2011

156 Tabel 3.13.1

Premium Reserve as at December 31,

2011

156 Tabel 3.13.2

Cadangan Atas Premi yang Belum

Merupakan Pendapatan (CAPYBMP)

158 Tabel 3.13.2

Unearned Premium Reserve (UPR)

158 Tabel 3.14

Jumlah Tertanggung dan Uang

Pertanggungan Tahun 2007-2011

160 Tabel 3.14

The Number of Insured and Sum Insured

Years 2007 -2011

160 Tabel 3.15

Portepel per 31 Desember 2011 per

Cabang Asuransi

161 Tabel 3.15

Portfolio per Line of Business as at

December 31, 2011

161 Tabel 3.16

Pertanggungan yang Berlaku pada Awal

Tahun 2011

172 Tabel 3.16

Policies In force at The Beginning of The

Year 2011

172 Tabel 3.16.1

Pertanggungan Baru untuk Tahun 2011

173 Tabel 3.16.1

New Business for The Year 2011

173 Tabel 3.16.2

Pemulihan Kembali Polis untuk Tahun

2011

174 Tabel 3.16.2

Reinstatement for The Year 2011

174 Tabel 3.16.3

Perubahan dari Cabang lain untuk Tahun

2011

175 Tabel 3.16.3

Alteration from Other Plans for the Year

2011

175 Tabel 3.16.4

Meninggal dalam Tahun 2011

176 Tabel 3.16.4

Death for The Year 2011

176 Tabel 3.16.5

Habis Kontrak dalam Tahun 2011

177 Tabel 3.16.5

Maturities for The Year 2011

177 Tabel 3.16.6

Pemutusan Kontrak Produk Yang

Dihasilkan Tahun 2011

178 Tabel 3.16.6

Lapse for Products Produced for The

Year 2011

178 Tabel 3.16.7

Pemutusan Kontrak Produk Yang

Dihasilkan Tahun 2010

179 Tabel 3.16.7

Lapse for Products Produced for The

Year 2010

179 Tabel 3.16.8

Pemutusan Kontrak Produk Yang

Dihasilkan Tahun 2009

180 Tabel 3.16.8

Lapse for Products Produced for The

Year 2009

180 Tabel 3.16.9

Perubahan ke Cabang Lain untuk Tahun

2011

181 Tabel 3.16.9

Alteration to Other Plans for the Year

2011

181 Tabel 3.17

Pertanggungan pada Akhir Tahun 2011

182 Tabel 3.17

Policies In forced at The End of The

Year 2011

182 Tabel 3.18.1

Pertanggungan Baru Tahun 2007 - 2011

183 Tabel 3.18.1

New Business Years 2007 - 2011

183 Tabel 3.18.2

Meninggal Tahun 2007 - 2011

185 Tabel 3.18.2

Death Years 2007 - 2011

185 Tabel 3.18.3

Habis Kontrak Tahun 2007 - 2011

187 Tabel 3.18.3

Maturity Years 2007 - 2011

187 Tabel 3.18.4

Pemutusan Kontrak Tahun 2007 - 2011

189 Tabel 3.18.4

Lapse Years 2007 - 2011

189 Tabel 3.19

Pertumbuhan Jumlah Tertanggung dan

Uang Pertanggungan Tahun 2007 -2011

191 Tabel 3.19

The Growth of Number of Insured and

Sum Insured Years 2007 - 2011

191

(9)

LAMPIRAN III

APPENDIX III

USAHA ASURANSI DAN REASURANSI SYARIAH

192 SHARIA INSURANCE AND REINSURANCE BUSINESS 192

DANA PERUSAHAAN

SHAREHOLDERS FUND

Tabel 4.1A

Rekapitulasi Neraca Dana Perusahaan

per 31 Desember 2011

192 Table 4.1A

The Recapitulation of Balance Sheet of

Shareholders Fund as of 31 December

2011

192 Tabel 4.1A.1

Rekapitulasi Investasi Dana Perusahaan

per 31 Desember 2011

194 Table 4.1A.1 The Recapitulation of Investment of

Shareholders Fund as of 31 December

2011

194 Tabel 4.1A.2

Rekapitulasi Aset Bukan Investasi Dana

Perusahaan per 31 Desember 2011

195 Table 4.1A.2 The Recapitulation of Non- Investment

Assets of Shareholders Fund as of 31

December 2011

195 Tabel 4.2A

Rekapitulasi Laba/Rugi Dana

Perusahaan per 31 Desember 2011

196 Table 4.2A

The Recapitulation of Income Statement

of Shareholders Fund In 2011

196 Tabel 4.3A

Hasil Investasi Dana Perusahaan Tahun

2011

197 Investment Income of Shareholders Fund

in 2011

197 Tabel 4.4A

Neraca Dana Perusahaan per 31

Desember 2011

198 Table 4.3A

Consolidated Balance Sheet of

Shareholders Fund as at December 31,

2011

198 Tabel 4.5A

Laba/Rugi Dana Perusahaan per 31

Desember 2011

199 Table 4.4A

The Recapitulation of Income Statement

of Shareholders Fund in 2011

199 DANA TABARRU

TABARRU FUND

Tabel 4.1B

Rekapitulasi Neraca Dana Tabarru per 31

Desember 2011

200 Table 4.1B

The Recapitulation of Balance Sheet of

Tabarru Fund as of 31 December 2011

200 Tabel 4.1B.1

Rekapitulasi Investasi Dana Tabarru per

31 Desember 2011

201 Table 4.1B.1 The Recapitulation of Investment of

Tabarru Fund as of 31 December 2011

201 Tabel 4.1B.2

Rekapitulasi Aset Bukan Investasi Dana

Tabarru per 31 Desember 2011

202 Table 4.1B.2 The Recapitulation of Non- Investment

Assets of Tabarru Fund as of 31

December 2011

202 Tabel 4.2B

Hasil Investasi Dana Tabarru Tahun 2011

203 Table 4.2B

Investment Income of Tabarru Fund in

2011

203 Tabel 4.3B

Neraca Dana Tabarru per 31 Desember

2011

204 Table 4.3B

Consolidated Balance Sheet of Tabarru

Fund as at December 31, 2011

204 Tabel 4.4B

Surplus Underwriting Dana Tabarru per

31 Desember 2011

205 Table 4.4B

Underwriting Surplus of Tabarru Fund in

2011

205 Tabel 4.5B

Rekapitulasi Premi, Klaim dan Komisi

Tahun 2011

206 Table 4.5B

The Recapitulation of Premiums, Claims

and Commissions Year 2011

206 Tabel 4.6B

Premi Usaha Asuransi Kerugian dan

Reasuransi Syariah Tahun 2011

224 Table 4.6B

The Premiums of Sharia Non Life

Insurance and Reinsurance Business In

2011

224 Tabel 4.7B

Klaim Usaha Asuransi Kerugian dan

Reasuransi Syariah Tahun 2011

239 Table 4.7B

The Claims of Sharia Non Life Insurance

and Reinsurance Business In 2011

239 USAHA ASURANSI JIWA SYARIAH

SHARIA LIFE INSURANCE BUSINESS

DANA PERUSAHAAN

SHAREHOLDERS FUND

Tabel 4.1C

Rekapitulasi Neraca Dana Perusahaan

per 31 Desember 2011

254 Table 4.1C

The Recapitulation of Balance Sheet of

Shareholders Fund as of 31 December

2011

254 Tabel 4.1C.1

Rekapitulasi Investasi Dana Perusahaan

per 31 Desember 2011

255 Table 4.1C.1 The Recapitulation of Investment of

Shareholders Fund as of 31 December

2011

255 Tabel 4.1C.2

Rekapitulasi Aset Bukan Investasi Dana

Perusahaan per 31 Desember 2011

256 Table 4.1C.2 The Recapitulation of Non- Investment

Assets of Shareholders Fund as of 31

December 2011

256 Tabel 4.2C

Rekapitulasi Laba/Rugi Dana

Perusahaan per 31 Desember 2011

257 Table 4.2C

The Recapitulation of Income Statement

of Shareholders Fund In 2011

257 Tabel 4.3C

Hasil Investasi Dana Perusahaan Tahun

2011

258 Investment Income of Shareholders Fund

in 2011

(10)

Tabel 4.4C

Neraca Dana Perusahaan per 31

Desember 2011

259 Table 4.3C

Consolidated Balance Sheet of

Shareholders Fund as at December 31,

2011

259 Tabel 4.5C

Laba/Rugi Dana Perusahaan per 31

Desember 2011

260 Table 4.4C

The Recapitulation of Income Statement

of Shareholders Fund in 2011

260 DANA TABARRU

TABARRU FUND

Tabel 4.1D

Rekapitulasi Neraca Dana Tabarru per 31

Desember 2011

261 Tabel 4.1D

The Recapitulation of Balance Sheet of

Tabarru Fund as of 31 December 2011

261 Tabel 4.1D.1

Rekapitulasi Investasi Dana Tabarru per

31 Desember 2011

262 Tabel 4.1D.1 The Recapitulation of Investment of

Tabarru Fund as of 31 December 2011

262 Tabel 4.1D.2

Rekapitulasi Aset Bukan Investasi Dana

Tabarru per 31 Desember 2011

263 Tabel 4.1D.2 The Recapitulation of Non- Investment

Assets of Tabarru Fund as of 31

December 2011

263 Tabel 4.2D

Hasil Investasi Dana Tabarru Tahun 2011

264 Tabel 4.2D

Investment Income of Tabarru Fund in

2011

264 Tabel 4.3D

Neraca Dana Tabarru per 31 Desember

2011

265 Tabel 4.3D

Consolidated Balance Sheet of Tabarru

Fund as at December 31, 2011

265 Tabel 4.4D

Surplus Underwriting Dana Tabarru per

31 Desember 2011

266 Tabel 4.4D

Underwriting Surplus of Tabarru Fund in

2011

266 Tabel 4.5D

Portopel per Cabang Asuransi per 31

Desember 2011

267 Tabel 4.5D

Portofolio per Line of Business as at

December 2011

267 Tabel 4.6D

Premi per Cabang Asuransi Tahun 2011

274 Tabel 4.6D

Premium Report Per Line of Business

Year 2011

274 Tabel 4.6D.1

Premi Pertanggungan Baru per Cabang

Asuransi Tahun 2011

275 Tabel 4.6D.1 First Year Premium Per Line of Business

Year 2011

275 Tabel 4.6D.2

Premi Pertanggungan Lanjutan per

Cabang Asuransi Tahun 2011

276 Tabel 4.6D.2 Continuance Premium Per Line of

Business Year 2011

276 Tabel 4.6D.3

Manfaat (Klaim) Asuransi Syariah Tahun

2011

277 Tabel 4.6D.3 Sharia Insurance Benefit and Claim year

2011

277 Tabel 4.7D

Kenaikan (Penurunan) Penyisihan

Kontribusi Tahun 2011

278 Tabel 4.7D

Changes in Contribution Reserved in

years 2011

278 Tabel 4.7D.1

Penyisihan Teknis Tahun 2011

279 Tabel 4.7D.1 Technical Reserve year 2011

279 Tabel 4.7D.2

Penyisihan Teknis Tahun 2010

280 Tabel 4.7D.2 Technical Reserve year 2010

280 DANA INVESTASI PERSERTA

PARTICIPANTS

INVESTMENT

FUND

Tabel 4.1E

Rekapitulasi Neraca Dana Investasi

Peserta per 31 Desember 2011

281 Tabel 4.1E

The Recapitulation of Balance Sheet of

Participants Investment Fund as of 31

December 2011

281 Tabel 4.1E.1

Rekapitulasi Investasi Dana Investasi

Peserta per 31 Desember 2011

282 Tabel 4.1E.1 The Recapitulation of Investment of

Participants Investment Fund as of 31

December 2011

282 Tabel 4.1E.2

Rekapitulasi Aset Bukan Investasi Dana

Investasi Peserta per 31 Desember 2011

283 Tabel 4.1E.2 The Recapitulation of Non- Investment

Assets of Participants Investment Fund as

of 31 December 2011

283 Tabel 4.3E

Perubahan Dana Investasi Peserta per

31 Desember 2011

284 Tabel 4.3E

Consolidated Balance Sheet Participants

Investment Fund as at December 31,

2011

284 LAMPIRAN IV

APPENDIX IV

PROGRAM ASURANSI SOSIAL DAN JAMINAN SOSIAL

TENAGA KERJA

SOCIAL INSURANCE PROGRAM AND WORKERS

SOCIAL SECURITY

Tabel 5.1

Rekapitulasi Neraca Tahun 2011

286 Table 5.1

The Recapitulation of Balance Sheets in

2011

286 Tabel 5.2

Rekapitulasi Perhitungan Laba / Rugi

Tahun 2011

287 Table 5.2

The Recapitulation of Income Statement

in 2011

287 Tabel 5.3

Pertumbuhan Data Teknis Tahun 2007 -

2011

288 Table 5.3

The Growth of Technical Data in 2007 -

2011

288 Tabel 5.4

Neraca Gabungan per 31 Desember

289 Table 5.4

Consolidated Balance Sheet as at

289

(11)

2009 & 2011

December 31, 2009 & 2011

Tabel 5.5

Laporan Laba / Rugi Gabungan Tahun

2009 & 2011

291 Table 5.5

Consolidated Profit / Loss Statement in

2009 & 2011

291 LAMPIRAN V

APPENDIX V

PROGRAM ASURANSI UNTUK PEGAWAI NEGERI SIPIL

DAN TNI / POLRI

INSURANCE PROGRAM FOR CIVIL SERVANTS AND

ARMED FORCES / POLICE

Tabel 6.1

Rekapitulasi Neraca Tahun 2011

292 Table 6.1

The Recapitulation of Balance Sheets in

2011

292 Tabel 6.2

Rekapitulasi Perhitungan Laba / Rugi

Tahun 2011

293 Table 6.2

The Recapitulation of Income Statement

in 2011

293 Tabel 6.3

Pertumbuhan Data Teknis Tahun 2007 -

2011

294 Table 6.3

The Growth of Technical Data in 2007 -

2011

294 Tabel 6.4

Neraca Gabungan per 31 Desember

2009 & 2011

295 Table 6.4

Consolidated Balance Sheet as at

December 31, 2009 & 2011

295 Tabel 6.5

Laporan Laba / Rugi Gabungan Tahun

2009 & 2011

297 Table 6.5

Consolidated Profit / Loss Statement in

2009 & 2011

297 LAMPIRAN VI

APPENDIX VI

USAHA PIALANG ASURANSI DAN REASURANSI SERTA

PERUSAHAAN PENILAI KERUGIAN ASURANSI

INSURANCE AND REINSURANCE BROKERS AND

LOSS ADJUSTERS BUSINESS

Tabel 7.1

Rekapitulasi Jumlah Klaim yang Dinilai

oleh Perusahaan Penilai Kerugian

Asuransi

298 Tabel 7.1

The Recapitulation of Claims Appraised

by Loss Adjusters

298 Tabel 7.2

Rekapitulasi Premi dan Komisi Tahun

2011

299 Tabel 7.2

The Recapitulation of Premiums and

Commissions in 2011

299 Tabel 7.3

Rekapitulasi Neraca per 31 Desember

2011

311 Tabel 7.3

The Recapitulation of Balance Sheet as

at December 31, 2011

311 Tabel 7.4

Rekapitulasi Perhitungan Laba / Rugi

Tahun 2011

315 Tabel 7.4

The Recapitulation of Profit / Loss in 2011

315 Tabel 7.5

Investasi Tahun 2007 - 2011

319 Tabel 7.5

Investments in Year 2007 – 2011

319 Tabel 7.6

Kekayaan, Kewajiban, dan Modal

Sendiri Tahun 2007 - 2011

323 Tabel 7.6

Assets, Liabilities, and Equities in Year

2007 - 2011

323 Tabel 7.7

Laba / Rugi Tahun 2007 - 2011

327 Tabel 7.7

Profit / Loss in Year 2007 - 2011

327

(12)

(13)

INDIKATOR KUNCI

KEY INDICATORS

2007

2008

2009

2010

2011

(1)

(2)

(3)

(4)

(5)

(6)

1 Gross Domestic Product

At Current Market Price

3,950.9 4,951.3 5,603.8 6,422.9 7,427.1

(Trillion Rp)

Annual Change (%)

18.32

25.32

13.24

14.62

15.63 At year 2000 Market Price (Trillion

Rp)**

1,964.3 2,082.3 2,177.0 2,310.7 2,463.2

Annual Change (%)

6.34

6.01

4.55

6.14

6.60

2

6.59

11.06

2.78

6.96

3.79

3

9.419

10.95 9.404 8,991 9,068

4

226

229

237.5

237.6

241.1

5

149

144

141

139 Life Insurers

46

45

46

45

45 General Insurers

94

90

89

87

85 Professional Reinsurers

4

4 Social Insurer & Jamsostek

2

2 Civil Servant & Armed Forces

3

169

162

164

159

165

27

28

27

30

28

29

28

29

6 Per Capita Expenditure (Rp)***

330.763

380.269 448.193 853,483 1,023,373

Total Industry Asset (Million)

228,828,530 243,579,367 320,891,858

405,230,961

479,841,049

As % of GDP:

Life Sum Insureds

7.65 6.55 7.67 7.56 12.52

Life Premiums

1.15 1.02 1.10 1.17 1.21

Non-life and Reinsurance Gross

Premiums

0.48 1.29 1.33 1.39 1.37

Life Assets

2.58 4.92 6.51 8.16 9.29

Non-Life and Reinsurance Assets

0.75 1.67 1.84 2.09 2.27

Number of Policies (In Unit)

14,197,408 19,825,209 12,043,414

13,192,184

37,188,096

Sum Insured (Million Rp)

302,887,920 324,186,669 429,604,423

485,682,284

930,176,230

Annual Premium (Million Rp)

23,817,393 27,260,117 34,287,023 33,248,894.01 46,643,027.78

Market Structure

ECONOMICS AND INSURANCE

National Income Aggregate*

Inflation Rate (Annual Change of CPI)*

Exchange Rate (Per US$1)*

Population (Million)*

Number of Registered Insurers :

Insurance and Reinsurance Brokers

Loss Adjusters

Actuarial Consultants

Insurance Development:

LIFE INSURANCE DATA

Total New Business except PA and Health

* Source: Central of Statistic Bureau (BPS)

** The Constant Price is Based on Year 2000

*** Total Gross Premiums / Number of

(14)

(1)

(2)

(3)

(4)

(5)

(6)

Number of Policies (In Unit)

35,301,157 43,410,774 38,387,734

34,564,028

38,625,506

Sum Insured (Million Rp)

949,915,013 1,211,751,898 1,361,073,123 1,654,934,690 2,241,000,088

Annual Premium (Million Rp)

45,581,560 50,434,979 61,725,474

75,057,595

89,773,700

Number of Policies as % of Population

15.64

18.96

16.16 145,471 160,205

81,191,829 82,226,436 113,011,929

153,208,272

192,754,873

102,137,208 102,404,709 141,646,228

188,458,403

228,798,232

18,917,673 26,933,799 28,985,384

32,047,136

33,718,947

Total

9,310,933 11,810,167 13,739,771

15,775,776

18,479,176

Property

1,719,597 1,871,452 2,131,682

2,121,153

2,477,727

Motor

4,204,402 5,393,758 5,812,405

7,221,600

7,838,901

Cargo

744,311 981,882 957,714

1,063,778

1,241,348

Marine Hull

204,379 242,033 448,155

381,483

462,006

Aviation

49,629 57,987 308,448

94,008

107,560

Satellite

- - (3,724)

391 11,912

Energy-Onshore

4,761 16,014 (4,982)

28,750

32,098

Energy-Offshore

93,904 127,576 538,623

77,526

154,650

Engineering

198,167 254,623 291,922

262,607

361,053

Liability

87,338 110,787 200,422

151,855

159,844

Personal Accident & Health

1,003,859 1,329,124 1,901,990

2,573,965

3,133,258

Credit & Surety Bond

35,934 583,215 388,906

663,464

1,014,942

Others

598.397

841.718

768.211 1,135,197 1,483,878

49%

44%

50%

49%

55%

Total

60.94

36.81

42.48 43.01 38.19

Property

65.68

33.26

41.18 48.11 35.50

Motor

72.78

46.5

49.45 46.38 46.47

Cargo

34.95

31.99

39.72 32.01 31.22

Marine Hull

44.32

39.84

53.18 32.80 31.15

Aviation

28.28

64.84

71.78 18.49 22.00

Satellite

-

0.00 54.06

Energy-Onshore

22.59

14.34

12.28 40.56 44.21

Energy-Offshore

10.25

15.54

8.31 33.57 13.97

Engineering:

42.11

28.93

39.09 46.38 34.46

Liability

21.61

15.76

3.55 7.27 9.38

Personal Accident & Health:

63.44

45.58

45.46 48.33 50.48

Credit & Surety Bond:

35.23

34.57

137.26 154.81 65.96

Credit Insurance

106

22.15

122.1 139.85 51.51

Surety Bond

13.67

12.42

15.16 14.96 14.44

Others

45.66

28.42

31.85 29.59 38.19

Total Business In Force :

KEY INDICATORS

(Continued)

*Incurred Loss Ratios (%) ** :*

Premium Reserves (Million Rp)

Total Assets (Million Rp)

NON-LIFE INSURANCE & REINSURANCE DATA

Gross Premium (Million Rp)*

Net Premium (Million Rp) :

(15)

(1)

(2)

(3)

(4)

(5)

(6)

Underwriting Surplus (Million Rp)

Earned Premium

9,610,883 10,927,055 13,316,116

27,651,637

32,721,794

Incurred Claim

5,432,004 6,362,525 9,657,929

13,913,851

14,647,130

Net Commission

1,791,807 1,906,294 2,158,885

4,395,500

4,870,910

Underwriting Profit

3,070,576 4,336,412 3,658,188

5,338,452

3,809,918

Management Expense

2,899,406 3,417,856 3,687,879

4,156,714

4,856,398

Underwriting Profit as % of Earned

Premium

31.95

39.69

27.47 19.31 11.64

Net Investment Income (Million Rp)

1,924,867 1,511,938 1,967,073

2,525,658

3,134,181

Net Profit (Million Rp)

2,018,334 2,209,690 2,485,291

3,217,312

4,368,790

Total Assets (Million Rp)

29,788,248 34,790,467 40,162,340

48,273,884

55,973,541

(Million Rp)

Premium Written

3,016,582 4,340,310 5,102,781

5,733,860

6,718,146

Technical Reserve

4,874,720 5,921,232 7,023,680

8,179,027

9,603,520

Annual Benefit

1,572,296 2,499,142 3,028,825

3,019,083

3,508,489

Total Assets

63,598,156 66,606,697 87,490,739

107,034,675

121,925,046

(Million Rp)

Premium Written

7,118,317 8,667,587 10,642,225

11,798,222

13,543,223

Technical Reserve

27,608,140 33,654,803 41,249,257

47,605,562

56,356,974

Annual Benefit

8,270,570 11,194,848 14,806,555

14,842,908

10,033,001

Total Assets

33,304,918 39,777,494 51,592,491

61,463,999

73,144,230

KEY INDICATORS

(Continued)

SOCIAL INSURANCE PROGRAM & WORKERS SOCIAL SECURITY

(16)

(17)

IKHTISAR KEGIATAN USAHA PERASURANSIAN DI INDONESIA TAHUN 2011

SUMMARY OF INDONESIAN INSURANCE BUSINESS ACTIVITIES IN 2011

A. UMUM

A. GENERAL

Perekonomian Indonesia pada tahun 2011,

sebagaimana diukur dari Pendapatan Domestik

Bruto (PDB), meningkat sebesar 15,4% dari

Rp 6.436,3 triliun di tahun 2010 menjadi Rp 7.427,1

triliun di tahun 2011.

Pada periode yang sama,

untuk industri asuransi, penerimaan premi bruto

naik sebesar 22,4% dari Rp125,1 triliun pada tahun

2010 menjadi Rp153,1 triliun pada tahun 2011.

Dengan demikian, rasio antara premi bruto dan PDB

mengalami kenaikan dari tahun 2010 dari 1,94%.

menjadi 2,06%.

Indonesian economy in 2011, as

measured by Gross Domestic Product

(GDP), increased by 15.4% from Rp6,436.3

trillion in 2010 to Rp7,427.1 trillion in 2011.

Within the same period, gross premium

income of insurance industry increased by

22.4% from Rp125.1 trillion in 2010 to

Rp153.1 trillion in 2011. Thus, in 2011 the

ratio of gross premium to GDP increased

from 1.94% to 2.06%.

B. STRUKTUR PASAR

B. MARKET STRUCTURE

Per 31 Desember 2011, jumlah perusahaan

perasuransian yang memiliki izin usaha untuk

beroperasi di Indonesia adalah 381 perusahaan,

terdiri atas 139 perusahaan asuransi dan

reasuransi, dan 242 perusahaan penunjang

asuransi.

As of the end of December 2011, there

were 381 companies operating business in

Indonesia, consisted of 139 insurance and

reinsurance companies, and 242

related-insurance companies.

Perusahaan asuransi dan reasuransi terdiri

dari 45 perusahaan asuransi jiwa, 85 perusahaan

asuransi kerugian, 4 perusahaan reasuransi, 2

perusahaan penyelenggara program asuransi sosial

dan jaminan sosial tenaga kerja, dan 3 perusahaan

penyelenggara asuransi untuk pegawai negeri sipil

(PNS) dan TNI / POLRI.

The insurance and reinsurance

companies consisted of 45 life insurance

companies, 85 non life insurance companies,

4 reinsurance companies, 2 companies

administering social insurance and workers

social security program, and 3 companies

administering insurance for civil servants

and armed forces / police.

Perusahaan penunjang usaha asuransi terdiri

dari 138 perusahaan pialang asuransi, 27

perusahaan pialang reasuransi, 27 perusahaan

penilai kerugian asuransi, 29 konsultan aktuaria,

dan 21 agen asuransi. Tabel 1.1 berikut

memperlihatkan pertumbuhan jumlah perusahaan

perasuransian.

The related-insurance companies

consisted of 138 insurance brokers, 27

reinsurance brokers, 27 loss adjusters, 29

actuarial consultants and 21 insurance

agents. Table 1.1 shows the growth of total

insurance companies.

(18)

Tabel 1.1 Pertumbuhan Jumlah Perusahaan Perasuransian 2007 - 2011

Table 1.1 The Growth Of Total Insurance Companies 2007-2011

No.

Keterangan

Description

2007

2008

2009

2010

2011

1. Asuransi Jiwa /

Life Insurance

46 45 46 46 45

a. Swasta Nasional /

National Private

29 27 28 29 26

b. Patungan /

Joint Venture

17 18 18 17 19

2. Asuransi Kerugian /

Non Life Insurance

94 90 89 87 85

a. Swasta Nasional /

National Private

73 70 69 69 66

b. Patungan /

Joint Venture

21 20 20 18 19

3. Reasuransi /

Reinsurance

4 4 4 4 4

a. Swasta Nasional /

National Private

4

4 b. Patungan /

Joint Venture

-

-4.

Penyelenggara Program Asuransi Sosial dan

Jaminan Sosial Tenaga Kerja /

Companies

Administering Social Insurance and Workers

Social Security Program

2 2 2 2 2

5. Penyelenggara Asuransi untuk PNS dan TNI /

POLRI /

Companies Administering Insurance for

Civil Servants and Armed Forces / Police.

3 3 3 3 3

6. Jumlah /

Total

(1 s.d. 5) /

(1 to 5)

149 144 144 142 139

7. Pialang Asuransi /

Insurance Brokers

146 141 142 138

138

8. Pialang Reasuransi /

Reinsurance Brokers

23 21 22 25 27

9. Penilai Kerugian Asuransi /

Loss Adjusters

27 27 28 28 27

10. Konsultan Aktuaria /

Actuarial Consultants

30 28 29 28 29

11. Agen

Asuransi

/

Insurance Agents

8 10 14 16 21

12. Jumlah

/

Total

(7 s.d. 11) /

(7 to 11)

234 227 235 235 242

(19)

C. PERTUMBUHAN PREMI BRUTO

C. THE GROWTH OF GROSS

PREMIUM

Jumlah premi bruto industri asuransi pada

tahun 2011 mencapai Rp153,1 triliun, meningkat

22,4% dari angka tahun sebelumnya Rp125,1

triliun. Dalam lima tahun terakhir, pertumbuhan

rata-rata premi bruto adalah sekitar 22,8%.

The gross premium collected by the

insurance industry in 2011 reached the

amount of Rp153.1 trillion, increased by

22.4% of the previous year figure of Rp125.1

trillion. Within the last five years, the

average of gross premium annual growth

was around 22.8%.

Apabila jumlah premi bruto tersebut

dibandingkan dengan jumlah penduduk Indonesia

pada tahun 2011, yaitu sebesar 237,6 juta jiwa akan

diperoleh

insurance density

sebesar Rp644.468. Ini

berarti, secara rata-rata setiap penduduk Indonesia

mengeluarkan dana sebesar Rp644.468 untuk

membayar premi asuransi.

If that gross premium is compared to

Indonesian population in 2011, that is 237.6

million people, this will be resulted in

insurance density of Rp644,468. It means, in

average, each Indonesian person spent

Rp644,468 for insurance premium.

Sementara itu, kontribusi sektor asuransi

terhadap Produk Domestik Bruto (PDB)

sebagaimana dicerminkan oleh rasio antara premi

bruto terhadap PDB mengalami kenaikan dari

1,95% pada tahun 2010 menjadi 2,06% pada tahun

2011.

Meanwhile, the contribution of

insurance industry to Gross Domestic

Product (GDP) in 2011, as measured by

ratio of gross premium to GDP, increased

from 1.95% in 2010 to 2.06% in 2011.

Tabel 1.2 berikut menggambarkan rasio

antara premi bruto dan PDB Indonesia dari tahun

2007 sampai dengan tahun 2011.

Table 1.2 shows the ratio of gross

premium relative to Indonesian GDP from

2007 to 2011.

Tabel 1.2 Premi Bruto Dan Produk Domestik Bruto 2007-2011

Table 1.2 Gross Premium And Gross Domestic Product 2007-2011

Dalam Miliar Rupiah

In Billion Rupiah

Tahun

Premi Bruto

Produk Domestik Bruto

Rasio

Ratio

a / b

Gross Premiums

1)

Gross Domestic Product 2)

Year

Jumlah /

Total

Pertumbuhan

Jumlah /

Total

Pertumbuhan

(%)

(a)

Growth (%)

_(b)

Growth (%)

2007

77.831,6

40,0

3.339,2

18,3

1,97

2008

90.311,7

16,0

3.950,9

25,3

1,82

2009

106.445,9

17,9

4.951,4

13,4

1,90

2010

125.116,4

17,5

5.613,4

14,4

1,95

2011

153.125,6

22,4

6.436,3

15,4

2,06

1) Premi Bruto (termasuk Premi Program Jaminan Hari Tua (JHT)) = Premi Pos Langsung + Premi Reasuransi diterima dari Luar Negeri

Gross Premium (include Premium of Pension Benefits (JHT)) = Direct Premium + Reinsurance Premium Inward from Abroad

2) Sumber : BPS berdasarkan Harga yang Berlaku dalam Triliun Rupiah

Source : Central Bureau of Statistic (BPS) using Current Market Prices in Trillion Rupiah

Kenaikan premi bruto tertinggi pada tahun 2011

diperoleh oleh asuransi jiwa (24,4%), diikuti oleh

asuransi kerugian dan reasuransi sebesar (21,2%),

Program Asuransi Sosial dan Jaminan Sosial Tenaga

Kerja (17,8%) dan sektor asuransi PNS dan TNI /

POLRI (14,8%).

The highest increase of gross premium in

2011 was reached by life insurance companies

(24.4%), followed by non life and reinsurance

companies (21.2%), companies administering

insurance for social workers and social security

Program (17.8%,) and companies

administering insurance for Civil Servants and

Armed Forces / Police (14.8%).

(20)

Porsi terbesar dari premi bruto industri asuransi

tahun 2011 adalah premi bruto asuransi jiwa (61%),

diikuti oleh premi bruto asuransi kerugian dan

reasuransi (25%), perusahaan penyelenggara

program asuransi untuk PNS dan TNI / POLRI (9%);

dan premi yang diterima oleh perusahaan

penyelenggara program asuransi sosial dan jaminan

sosial tenaga kerja termasuk Jaminan Hari Tua (JHT)

sebesar 5%.

The biggest contribution to gross premium

of insurance industry in 2011 was gross premium

of life insurance companies (61%), followed by

those of non life and reinsurance companies

(25%), gross premium of companies

administering insurance for Civil Servants and

Armed Forces / Police (9%); and premium

collected by companies administering insurance

social and workers social security program

including Old-Age Savings (JHT) is amounted

5%.

Tabel 1.3 di bawah ini menyajikan rincian premi

bruto untuk tiap jenis usaha asuransi dari tahun 2007

sampai dengan tahun 2011. Sedangkan alokasi premi

menurut sektor usaha tahun 2011 dapat dilihat pada

Grafik 1.1.

Table 1.3 below shows the distribution of

premium for each insurance sector from 2007 to

2011. The gross premium allocation of each

sector to total gross premium in 2011 is showed

by Graph 1.1.

Tabel 1.3 Premi Bruto Menurut Jenis Usaha 2007 - 2011

Table 1.3 Gross Premium According To Insurance Sectors 2007 - 2011

Dalam Miliar Rupiah

In Billion Rupiah

Tahun

Year

Kerugian &

Reas.

Non Life &

Reins.

Pertumb

uhan

Growth

(%)

Jiwa

Life

Pertumb

uhan

Growth

(%)

Prog. As. Sosial &

Jaminan Sosial

Tenaga Kerja

1)

Social Ins. &

Workers Social

Security Program

Pertumbu

han

Growth

(%)

Asuransi PNS &

TNI / POLRI

2)

Ins. For Civil

Servants & Armed

Forces / Police

Pertum

buhan

Growth

(%)

Jumlah

Total

2007

22.115,4

11,6

45.581,3

65,8

3.016,6

13,7

7.118,3

26,2

77.831,6

2008

26.933,8

21,8

50.370,0

10,5

4.340,3

43,9

8.667,6

21,8

90.311,7

2009

28.985,4

7,6

61.725,5

22,5

5.102,8

17,6

10.632,2

22,7

106.445,9

2010

32.047,1

10,6

75.537,1

22,4

5.733,9

12,4

11.798,2

11,0

125.116,4

2011

38.833,5

21,2

93.996,9

24,4

6.752,1

17,8

13.543,2

14,8

153.125,6

Grafik 1.1 Alokasi Premi Bruto Menurut Sektor Usaha Tahun 2011

Graph 1.1 Gross Premium Allocation According To Insurance Sectors In 2011

Catatan : Total Premi Bruto pada Tahun 2011 adalah Rp153.126,6

miliar

Note : Total Gross Premium in 2011 was Rp153,126.6

billion

Sumber : Laporan Keuangan Perusahaan Perasuransian per 31

Desember 2011

Source : Financial statements of Insurance Companies as

of December 31, 2011

1) PT (Persero) Jasa Raharja dan JAMSOSTEK

2) PT (Persero) ASKES, ASABRI, dan TASPEN