Statistik Asuransi Gempa
Bumi Indonesia 2009
[Indonesian Earthquake Insurance Statistic 2009]
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 :
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
Tabel, peta dan grafik yang kreatif.
Dengan semangat ”Go Green”, dan laporan
tersebut disajikan dalam bentuk soft copy dan
tidak lagi diproduksi dalam bentuk 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.
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
Inovation of the system and statistical
o
Separate classification of multi-location
risks in Risk and Loss Profile report.
o
Analysis of earthquake insurance related
presented in soft copy rather than hard copy.
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.
We hope that this statistic report is useful for both
insurance
companies
having
earthquake
business and general insurance industry in
Indonesia.
Salam Inovasi MAIPARK !!
Daftar Isi / Contents
F.Pertumbuhan
Incurred Claim
... 15
Exposure Asuransi Gempa Bumi Indonesia
...
Tabel 2.1.Exposure Per Cresta Zone ... 15
Tabel 2.2.Exposure Per Okupasi ... 17
Tabel 2.3.Exposure Per Interest ... 19
Tabel 2.4.Exposure Per Provinsi ... 21
Gross Premium Asuransi Gempa Bumi
Indonesia
...
Tabel 3.1.Gross Premium Per Cresta Zone . 22
Tabel 3.2.Gross Premium Per Okupasi ... 24
Tabel 3.3.Gross Premium Per Provinsi ... 26
Jumlah Risiko Asuransi Gempa Bumi
Indonesia
...
Tabel 4.1.Jumlah Risiko Per Cresta Zone ... 27
Tabel 4.2.Jumlah Risiko Per Okupasi ... 29
Klaim Asuransi Gempa Bumi Indonesia
...
Tabel 5.1.1.Klaim Frekwensi Per Okupasi .... 31
Tabel 5.1.2.Klaim Frekwensi Per Cresta Zone
... 33
Tabel 5.2.1.Jumlah Klaim Per Okupasi ... 35
Kata Pengantar ... i
Table of Contents ... iii
Statistical Information ... iv
Summary of Indonesia Earthquake
Insurance 2009
...
A.Introduction ... 1
B.Market Structure ... 1
C.Growth of Gross Premium ... 2
D.Number of Risks ... 6
F.Growth of Incurred Claim ... 15
Indonesia Earthquake Insurance Exposure
....
Table 2.1.Exposure By Cresta Zone ... 15
Table 2.2.Exposure By Occupation ... 17
Table 2.3.Exposure By Interest ... 19
Table 2.4.Exposure By Province ... 21
Indonesia Earthquake Insurance Gross
Premium
...
Table 3.1.Gross Premium By Cresta Zone .. 22
Table 3.2.Gross Premium By Occupation .... 24
Table 3.3.Gross Premium By Province ... 26
Indonesia Earthquake Insurance Number of
Risks
...
Table 4.1.Number of Risk By Cresta Zone .. 27
Table 4.2.Number of Risk By Occupation... 29
Indonesia Earthquake Insurance Claim
...
Table 5.1.1.Claim Frequency By Occupation 31
Table 5.1.2. Claim Frequency By Cresta Zone
... 33
Tabel 5.2.2.Jumlah Klaim Per Cresta Zone .. 37
Table 5.2.2.Claim Amount By Cresta Zone .. 37
Risk and Loss Profile
...
Risks and Loss Profile Underwriting Year
2009
...
Agricultural Occupation ... 44
Commercial Occupation ... 45
Industrial Occupation ... 46
Residential Occupation ... 47
Risks and Loss Profile Underwriting Year
2008
...
Agricultural Occupation ... 48
Commercial Occupation ... 49
Industrial Occupation ... 50
Residential Occupation ... 51
Risks and Loss Profile Underwriting Year
2007
...
Agricultural Occupation ... 52
Commercial Occupation ... 53
Industrial Occupation ... 54
Residential Occupation ... 55
Commercial Occupation ... 57
Okupasi Industrial ... 58
Okupasi Residential ... 59
Peta.7.1 Distribusi Kejadian Gempa di
Indonesia 2004 - 2009 ... 60
Daftar Istilah ...
Lampiran
1.
Tarif Asuransi Gempa Bumi Indonesia ...
2.
Skala First Loss ...
3.
Tabel Jangka Waktu Pertanggungan
Kurang dari satu tahun ...
4.
Tabel Indemnitas ...
Okupasi Commercial ... 57
Industrial Occupation ... 58
Residential Occupation ... 59
Map 7.1 Indonesia Earthquake Distribution of
occurrences 2004-2009 ... 60
Glossaries ...
Attachments
1.
Indonesia Earthquake Insurance Tariff ....
2.
First Loss Scale ...
3.
Short Period Table
less
than one year
period
...
1.
Statistik dibuat berdasarkan Underwriting
pertanggungan seluruh risiko pada
lokasi yang sama untuk
masing-masing
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
insurance company. The definition of
anyone risk or any location is
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
perusahaan asuransi atau
2.5.
Bilamana risiko ditutup secara
ko-asuransi, jumlah maksimum sesi dari
semua Anggota ko-asuransi adalah
sesuai dengan ketentuan yang diatur
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.
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
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.
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.
Insured Objects
4.1.1. Kerusakan Fisik :
4.2 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.
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.
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.
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.
Indirect businesses cannot be
ceded.
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.
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.
A.
Pendahuluan.
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%
Tingkat Pendapatan Domestik Bruto (PDB)
Indonesia dalam lima tahun terakhir dapat dilihat
pada grafik 1.1 dibawah ini
B.
Struktur Pasar.
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,
A.
Introduction
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.
The level of Gross Domestic Product of
Indonesia for the last five years is shown in graph
1.1 below.
B.
Market Structure.
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
Pendapatan Domestik Bruto (PDB)
Gross Domestik Product (GDP)
Grafik 1.1 / Graph 1.1
Ikhtisar Kegiatan Usaha Asuransi Gempa Bumi Indonesia Tahun 2009
Summary of Indonesian Earthquake Insurance Business Activities in 2009
20 diantaranya adalah perusahaan patungan.
Sedangkan 69 sisanya adalah perusahan swasta
nasional. Dari 4 perusahaan reasuransi umum,
kesemuanya
adalah
perusahaan
swasta
nasional.
C.
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.
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.
Tabel
1.1
dan grafik
1.2 berikut
ini
menggambarkan pertumbuhan premi bruto dari
tahun ke tahun.
20 general insurance companies are joint venture
and the remaining is private national companies.
4 reinsurance companies are private national
companies.
C.
Gross Premium Growth
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.
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.
Table 1.1 and graph 1.2 below show gross
premium development from year to year.
Grafik 1.2 / Graph 1.2
Pertumbuhan Premi Bruto Asuransi Gempa Bumi
Eathquake Gross Premium Development
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%.
Table 1.2 berikut ini menyajikan rincian premi
bruto berdasarkan okupasi.
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.
Distribusi
premi
asuransi
gempa
bumi
berdasarkan cresta zone dapat dilihat pada tabel
1.3 berikut ini.
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.
Distribution of earthquake insurance premium is
shown in table 1.3 below.
Dalam Miliar Rupiah
In Billion Rupiah
Sumatera Wilayah Utara /
North Sumatera
94.23
5%
92.17
5%
63.83
4%
49.06
4%
Sumatera Wilayah Selatan /
South Sumatera
208.61
12%
176.08
10%
203.89
11%
131.30
12%
DKI & Jawa Barat / DKI & West Java
792.90
46%
818.29
46%
928.63
51%
595.03
53%
DIY & Jawa Tengah /
DIY & Central Java
148.95
9%
144.90
8%
107.60
6%
49.51
4%
Jawa Wilayah Timur / East Java
209.29
12%
285.12
16%
265.86
15%
182.88
16%
Kalimantan /
Kalimantan
178.62
10%
156.87
9%
107.80
6%
52.88
5%
Sulawesi /
Sulawesi
59.32
3%
64.81
4%
67.35
4%
22.79
2%
Wilayah Lainnya /
Other Island
42.47
2%
54.30
3%
58.63
3%
42.73
4%
Total
1,734.39
1,792.55
1,803.59
1,126.17
Zona Cresta /
Cresta Zone
2009
2008
2007
2006
Tahun Underwriting / Underwriting Year
Premi Bruto Berdasarkan Zona Cresta
Gross Premium By Cresta Zone
Per / As At 31 Dec 2009
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
Tabel 1.4 / Table 1.4
D.
Jumlah Risiko
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.
Table dibawah ini menyajikan jumlah risiko,
namun tidak termasuk risiko multilokasi yg tidak
lengkap datanya, dimana kami kesulitan
memisahkannya untuk menjadi satu risiko.
.
D.
Number of Risks
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.
The following table shows earthquake number of
risks, excluding undefined multi location risks as
we see it difficult to separate them into single
*) Tidak termasuk risiko multilokasi yang tidak terdefinisi secara lengkap / excluding undefined multilocation risks
E.
Pertumbuhan
Incurred Claim
Yang dimaksud dengan
Incurred claim
adalah
klaim dibayar ditambah dengan klaim yang masih
dalam proses penyelesaian.
Tahun 2009 ini adalah tahun yang teramat berat
bagi bangsa ini. Berbagai bencana gempa bumi
terjadi,
seperti
gempa
Padang,
gempa
Tasikmalaya, dan gempa 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
pukul 05.33.40 yang berlokasi pada 95 km barat
Manokwari pada kedalaman 10 km.
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.
E.
Growth of Incurred Claim
It is claim paid plus outstanding claims.
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.
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.
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.
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
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.
West Sumatra Province is geographically located
between the confluence of two major continental
plates (the Eurasian plate and the
Indo-Australian 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.
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.
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.
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.
Grafik dibawah ini menunjukkan jumlah kerugian
asuransi gempa bumi yang dilaporkan sepanjang
tahun 2004 hingga 2009 ini.
damaged.
Economic
loss
of
Pariaman
earthquake, as reported on final verification
report by deputy governor of West Sumatera
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.
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.
The graphic below tells us about earthquake
insured loss reported for 2004 - 2009.
Grafik 1.3 / Graph 1.3
Kerugian Asuransi Gempa Bumi Yang Dilaporkan 2004 - 2009
Earthquake Insurance Insured Loss 2004 - 2009
Tabel dibawah ini menampilkan
incurred claim
sepanjang tahun 2009
Below table shows incurred claim during this
2009.
Tanggal Peristiwa
Kerugian ( Dalam Rupiah )
Nama / Name
Jenis / Type
Date of Occurance
Loss ( In Rupiah )
Manokwari
Earthquake
4-Jan-09
2,952,454,937
Palu
Earthquake
2-Mar-09
2,800,000
Padang
Earthquake
16-Apr-09
226,140,075
Padang
Earthquake
16-Aug-09
51,125,960,170
T asikmalaya
Earthquake
2-Sep-09
47,928,196,253
Nusa Dua
Earthquake
19-Sep-09
921,078,296
Pariaman
Earthquake
30-Sep-09
835,328,242,563
Kepahyang
Earthquake
1-Oct-09
259,440,505
Ujung Kulon
Earthquake
16-Oct-09
119,586,208
Bima
Earthquake
9-Nov-09
30,610,000,000
Kejadian / Event
Incurred Claim 2009
Tabel 1.9 / Table 1.9
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.
Tanggal Peristiwa Ac eh Earthquake 26-Dec -04 612,226,619,221 612,531,185,533 Cilegon Earthquake 15-Jan-05 780,267,740 816,431,678
T anjung Karang Earthquake 12-May-06 33,575,300 33,575,300
Sibolga Earthquake 19-May-06 7,612,000
Yogyakarta Earthquake 27-May-06 255,920,900,053 336,432,968,532 Pangandaran Earthquake 17-Jul-06 2,418,989,460 2,428,124,860 Jakarta Earthquake 19-Jul-06 257,918,125 242,903,125
Wonosari Earthquake 22-Sep-06 97,589,358 97,589,358
Pandeglang Earthquake 24-Dec -06 16,477,760 16,477,760
Manado Earthquake 21-Jan-07 428,830,661 503,894,784
Denpasar Earthquake 8-Oc t-07 32,543,000 82,035,138
Painan Earthquake 24-Oc t-07 12,906,700 12,906,700
Dompu Earthquake 25-Nov-07 15,000,000 4,090,000
Ac eh Earthquake 21-Dec -08 53,980,575
Manokwari Earthquake 4-Jan-09 2,952,454,937
Ujung Kulon Earthquake 16-Oc t-09 119,586,208
Bima Earthquake 9-Nov-09 30,610,000,000
Pertumbuhan
Incured Claim
Semua Kejadian 2004 - 2010
Earthquake Insurance Incurred Claim All Event 2004 - 2010
T a b l e 2.1
In IDR
Amount in % Amount in % Amount in % Amount in % Amount in % Banda Aceh 1.1 19,558,587,948,251.30 22,564,931,471,192.40 21,797,820,935,187.80 1,243,747,474,310.66 541,801,271,791.60 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 North Sumatera 1 57,361,674,974,892.10 4% 80,822,155,783,239.70 5% 78,847,496,077,283.30 5% 52,166,657,392,867.90 4% 41,289,443,945,547.10 4% P adang 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 P alembang 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 7% 202,282,757,086,311.00 13% 161,706,568,772,719.00 11% 163,756,228,219,224.00 12% 119,367,493,406,571.00 13% DKI Jak arta 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 3.3 411,216,138,270,203.00 372,674,463,760,529.00 371,863,520,056,450.00 376,560,648,704,834.00 306,909,259,397,916.00 DKI & West Java 3 950,067,193,214,598.00 61% 681,428,040,291,173.00 45% 671,114,723,344,134.00 45% 708,536,914,562,881.00 50% 485,356,741,465,714.00 51% Semarang 4.1 17,931,045,050,876.00 27,427,342,751,182.10 26,449,310,136,141.20 22,329,092,094,361.80 1,090,302,251,452.25 Yogyak arta 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 DIY & Central Java 4 77,251,276,312,250.30 5% 128,038,266,886,584.00 8% 121,033,034,790,384.00 8% 86,020,401,609,330.20 6% 42,192,331,805,856.00 4% Surabaya 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 E ast Java 5 155,272,807,293,668.00 10% 183,261,800,414,514.00 12% 229,748,881,256,336.00 15% 219,587,366,543,878.00 16% 157,380,550,466,303.00 17% Kalimantan 6 126,317,167,129,982.00 8% 153,509,017,473,083.00 10% 133,020,937,447,058.00 9% 85,660,523,369,080.00 6% 46,908,775,362,275.70 5% U jung P andang 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%
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%
NATIONAL AGGREGATE EXPOSURES BY CRESTA As At 31 December 2009
U /Y 2008
T O T A L
U /Y 2007
U /Y 2005 U /Y 2006 U /Y 2009
Ta b l e 2.2
In IDR
Description U /Y 2005 In % U /Y 2006 In % U /Y 2007 In % U /Y 2008 In % U /Y 2009 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% 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% 946,483,109,959,859.00 100%
Ta b l e 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
SU B TOTAL
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
Business Interruption
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
T O T A L
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
In IDR
Amount in % Amount in % Amount in % Amount in %
1 Nanggroe Aceh Darussalam 23,222,469,030,663 1.53% 24,972,224,260,762 1.67% 4,574,682,657,827 0.32% 782,365,429,802 0.08% 2 Sumatera Utara 57,599,686,752,577 3.79% 53,875,271,816,521 3.61% 47,591,974,735,041 3.37% 40,507,078,515,746 4.28% 3 Sumatera Barat 11,803,237,469,684 0.78% 8,992,716,716,874 0.60% 16,303,250,037,684 1.15% 7,767,706,269,350 0.82% 4 Riau 106,250,386,674,915 7.00% 68,958,266,404,896 4.62% 68,137,306,748,043 4.82% 27,762,414,804,006 2.93% 5 Jambi 4,357,669,826,183 0.29% 3,622,773,662,240 0.24% 4,185,096,088,953 0.30% 28,589,990,611,256 3.02% 6 Sumatera Selatan 50,170,938,429,080 3.30% 46,176,884,371,846 3.09% 27,211,971,305,340 1.92% 20,172,454,290,478 2.13% 7 Bengkulu 1,090,793,435,087 0.07% 1,227,599,398,637 0.08% 2,673,025,232,884 0.19% 1,737,517,134,516 0.18% 8 Lampung 15,158,238,620,892 1.00% 17,128,769,552,469 1.15% 27,343,348,285,755 1.93% 19,364,713,305,527 2.05% 9 Kepulauan Bangka Belitung 926,110,341,839 0.06% 149,313,067,118 0.01% 2,477,887,610,958 0.18% 547,824,551,103 0.06% 10 Kepulauan Riau 12,525,382,288,631 0.82% 15,450,245,598,639 1.04% 15,424,342,909,608 1.09% 13,424,872,440,335 1.42% 11 DKI Jakarta 270,398,212,403,235 17.81% 266,177,961,883,188 17.84% 294,637,264,369,306 20.84% 174,221,426,377,178 18.41% 12 Jawa Barat 256,788,556,957,487 16.91% 261,142,622,874,084 17.50% 261,612,191,175,470 18.50% 200,147,184,887,907 21.15% 13 Jawa Tengah 123,535,065,522,968 8.14% 114,707,453,791,809 7.69% 75,548,464,334,883 5.34% 37,122,245,896,025 3.92% 14 DI. Yogyakarta 4,503,201,363,617 0.30% 6,325,580,998,575 0.42% 10,471,937,274,448 0.74% 5,070,085,909,831 0.54% 15 Jawa Timur 183,261,800,414,514 12.07% 229,748,881,256,336 15.40% 219,587,366,543,878 15.53% 157,380,550,466,303 16.63% 16 Banten 154,241,270,930,452 10.16% 143,794,138,586,862 9.64% 152,287,459,018,104 10.77% 110,988,130,200,629 11.73% 17 Bali 22,095,799,557,558 1.46% 25,469,732,730,428 1.71% 34,386,793,860,389 2.43% 28,258,367,074,155 2.99% 18 Kalimantan Barat 1,755,343,725,658 0.12% 1,823,275,121,773 0.12% 2,568,186,902,395 0.18% 1,380,476,888,062 0.15% 19 Kalimantan Tengah 2,840,199,371,595 0.19% 2,747,177,576,000 0.18% 3,351,976,232,714 0.24% 4,073,009,044,169 0.43% 20 Kalimantan Selatan 16,425,535,541,263 1.08% 19,051,779,243,047 1.28% 34,182,207,541,635 2.42% 8,553,864,295,883 0.90% 21 Kalimantan Timur 132,487,938,834,567 8.72% 109,398,705,506,239 7.33% 45,558,152,692,335 3.22% 32,901,425,134,161 3.48% 22 Sulawesi Utara 4,044,025,703,653 0.27% 4,336,122,366,985 0.29% 3,769,435,935,249 0.27% 2,817,088,276,743 0.30% 23 Sulawesi Tengah 932,489,065,038 0.06% 1,389,415,978,487 0.09% 1,331,354,197,536 0.09% 783,701,010,841 0.08% 24 Sulawesi Selatan 14,258,541,449,464 0.94% 18,864,248,655,904 1.26% 18,025,425,788,216 1.27% 14,762,918,538,062 1.56% 25 Sulawesi Tenggara 34,044,852,282,949 2.24% 28,717,770,322,555 1.92% 30,341,023,803,838 2.15% 871,831,789,452 0.09% 26 Gorontalo 415,250,424,999 0.03% 474,303,802,854 0.03% 459,556,664,246 0.03% 176,177,289,895 0.02% 27 Sulawesi Barat 45,727,863,109 0.00% 75,282,188,717 0.01% 125,509,477,905 0.01% 457,433,310,490 0.05% 28 Nusa Tenggara Barat 1,688,945,797,799 0.11% 3,019,349,262,762 0.20% 2,016,032,579,217 0.14% 1,524,933,791,000 0.16% 29 Nusa Tenggara Timur 579,335,645,653 0.04% 417,028,971,049 0.03% 575,507,995,224 0.04% 348,267,026,135 0.04% 30 Maluku 847,060,371,383 0.06% 423,345,235,688 0.03% 361,246,408,670 0.03% 514,701,876,544 0.05% 31 Maluku Utara 46,800,369,415 0.00% 598,536,891,829 0.04% 513,301,830,627 0.04% 243,123,108,233 0.03% 32 Papua Barat 923,962,125,328 0.06% 956,628,512,641 0.06% 1,050,735,881,379 0.07% 979,122,470,498 0.10% 33 Papua 9,293,532,180,887 0.61% 11,823,786,938,190 0.79% 5,231,013,432,039 0.37% 2,250,107,945,545 0.24%
1,518,558,360,772,140
1,492,037,193,546,000 1,413,915,029,551,800 946,483,109,959,859
NATIONAL AGGREGATE EXPOSURES PER PROVINCE
As At 31 December 2009
U/Y 2009
T O T A L
U/Y 2008 U/Y 2006 U/Y 2007
Tabl e 2 . 4
T a b l e 3.1
In IDR
A mou nt in % A mou nt in % A mou nt in % A mou nt in % A mou nt in % Band a A ceh 1.1 1,442,695,025.82 26,900,882,950.15 25,875,083,013.44 1,534,840,500.84 692,056,546.09 Med an 1.2 47,324,344,212.47 43,735,534,092.80 48,450,713,093.63 45,391,628,497.52 27,661,861,213.03 Others 1.3 10,685,128,215.06 23,592,711,393.87 17,848,428,643.70 16,908,491,388.07 20,705,794,186.22 North Su matera 1 59,452,167,453.35 3% 94,229,128,436.82 5% 92,174,224,750.78 5% 63,834,960,386.43 4% 49,059,711,945.34 4% P ad ang 2.1 5,915,742,165.67 5,820,893,038.13 4,957,806,707.07 13,484,664,445.59 4,292,800,450.18 P alemb ang 2.2 24,200,965,654.40 34,150,601,060.36 31,862,238,825.03 11,387,279,189.22 6,157,316,833.35 Others 2.3 66,501,280,533.21 168,635,685,608.90 139,264,245,209.03 179,022,813,019.94 120,850,653,403.10 Sou th Su matera 2 96,617,988,353.29 5% 208,607,179,707.39 12% 176,084,290,741.13 10% 203,894,756,654.75 11% 131,300,770,686.63 12% DKI Jak arta 3.1 742,448,593,077.71 336,559,935,840.51 343,024,525,676.84 405,367,106,444.63 228,209,077,857.04 Band u ng 3.2 47,570,832,732.21 44,477,233,600.54 40,049,648,774.34 49,301,390,699.51 5,297,822,559.44 Others 3.3 502,335,524,089.81 411,861,074,162.27 435,220,281,600.06 473,959,105,477.43 361,519,027,020.01 DKI & West Java 3 1,292,354,949,899.73 68% 792,898,243,603.32 46% 818,294,456,051.24 46% 928,627,602,621.57 51% 595,025,927,436.49 53% Semarang 4.1 37,844,947,865.56 32,224,969,152.00 32,534,702,391.59 28,531,679,785.67 1,256,578,250.39 Yogyak arta 4.2 4,724,013,608.48 5,259,170,776.14 5,877,053,252.65 11,016,722,289.41 5,888,909,387.08 Others 4.3 23,571,849,348.65 111,468,942,721.90 106,492,249,853.08 68,054,460,951.00 42,361,993,058.42 DIY & Central Java 4 66,140,810,822.69 3% 148,953,082,650.03 9% 144,904,005,497.32 8% 107,602,863,026.09 6% 49,507,480,695.89 4% Su rab aya 5.1 57,987,665,454.16 46,218,862,733.85 49,778,971,284.14 65,879,117,582.56 39,158,088,838.49 Others 5.2 144,683,362,869.68 163,071,615,132.76 235,337,649,107.11 199,984,498,465.95 143,719,705,693.19 E ast Java 5 202,671,028,323.84 11% 209,290,477,866.61 12% 285,116,620,391.25 16% 265,863,616,048.51 15% 182,877,794,531.68 16% Kalimantan 6 85,751,921,895.05 4% 178,619,161,748.68 10% 156,867,631,637.02 9% 107,796,769,319.78 6% 52,877,854,016.97 5% U ju ng P and ang 7.1 24,012,146,214.11 11,612,489,587.73 16,805,966,746.55 16,502,092,118.06 10,823,293,561.63 Others 7.2 43,431,243,217.23 47,709,200,997.85 48,001,669,232.14 50,844,079,005.54 11,963,228,599.47 Su lawesi 7 67,443,389,431.35 4% 59,321,690,585.58 3% 64,807,635,978.69 4% 67,346,171,123.60 4% 22,786,522,161.10 2% Other Island 8 36,776,236,376.64 2% 42,469,250,284.99 2% 54,302,239,532.26 3% 58,626,440,326.56 3% 42,729,995,281.38 4%
1,907,208,492,555.94
1,734,388,214,883.42 1,792,551,104,579.69 1,803,593,179,507.28 1,126,166,056,755.48 T O T A L
CRE STA Z ONE U /Y 2009
NATIONAL GROSS PREMIUM INCOME BY CRESTA ZONE As At 31 December 2009
U /Y 2007
Ta b l e 3.2
In IDR
Description
U/Y 2005
In %
U/Y 2006
In %
U/Y 2007
In %
U/Y 2008
In %
U/Y 2009
In %
Agricultural
90,000,687,106.34
4.72%
10,320,755,425.88
0.60%
9,959,498,689.24
0.56%
17,316,518,971.41
0.96%
9,390,083,378.64
0.83%
Commercial
498,746,757,143.75
26.15%
427,602,684,321.90
24.65%
382,423,458,733.07
21.33%
441,838,266,503.01
24.50%
244,473,909,717.96
21.71%
Industrial
889,616,514,714.16
46.64%
1,219,152,631,538.73
70.29%
1,256,954,204,205.92
70.12%
1,145,631,250,704.99
63.52%
767,458,544,941.91
68.15%
Residential
428,844,533,591.68
22.49%
77,312,143,596.91
4.46%
143,213,942,951.48
7.99%
198,807,143,327.89
11.02%
104,843,518,716.98
9.31%
TOTAL
1,907,208,492,555.93
1,734,388,214,883.42
1,792,551,104,579.71
1,803,593,179,507.30
1,126,166,056,755.49
In IDR
Amount in % Amount in % Amount in % Amount in %
1 Nanggroe Aceh Darussalam 27,649,788,917.10 1.59% 28,658,844,407.01 1.60% 6,018,115,544.05 0.33% 986,291,496.78 0.09% 2 Sumatera Utara 66,579,339,519.72 3.84% 63,515,380,343.76 3.54% 57,816,844,842.38 3.21% 48,073,420,448.56 4.27% 3 Sumatera Barat 13,037,516,281.91 0.75% 10,297,594,862.47 0.57% 19,691,025,587.05 1.09% 9,738,213,337.28 0.86% 4 Riau 106,350,289,691.26 6.13% 72,634,430,707.09 4.05% 90,968,881,176.96 5.04% 28,855,060,408.98 2.56% 5 Jambi 4,451,784,631.41 0.26% 4,027,193,017.80 0.22% 4,707,988,291.14 0.26% 30,704,826,531.80 2.73% 6 Sumatera Selatan 55,018,463,978.14 3.17% 51,297,160,581.41 2.86% 32,399,775,939.07 1.80% 23,543,848,627.75 2.09% 7 Bengkulu 1,245,133,959.10 0.07% 1,598,242,093.78 0.09% 3,390,814,727.25 0.19% 2,580,540,004.96 0.23% 8 Lampung 15,990,519,515.20 0.92% 19,843,539,280.63 1.11% 32,203,330,649.15 1.79% 22,018,528,130.91 1.96% 9 Kepulauan Bangka Belitung 678,063,867.99 0.04% 154,009,605.20 0.01% 3,337,046,985.34 0.19% 582,870,145.60 0.05% 10 Kepulauan Riau 11,835,407,782.38 0.68% 16,232,120,592.75 0.91% 17,195,893,298.79 0.95% 13,276,883,499.34 1.18% 11 DKI Jakarta 336,559,935,840.51 19.41% 343,024,525,676.84 19.14% 405,367,106,444.63 22.48% 228,209,077,857.04 20.26% 12 Jawa Barat 285,977,239,376.61 16.49% 306,473,957,404.90 17.10% 333,158,726,023.25 18.47% 234,771,247,129.56 20.85% 13 Jawa Tengah 143,295,051,805.81 8.26% 138,512,447,712.79 7.73% 95,235,540,560.77 5.28% 43,241,851,104.13 3.84% 14 DI. Yogyakarta 5,658,030,844.22 0.33% 6,391,557,784.53 0.36% 12,367,322,465.31 0.69% 6,265,629,591.76 0.56% 15 Jawa Timur 209,290,477,866.61 12.07% 285,116,620,391.25 15.91% 265,863,616,048.51 14.74% 182,877,794,531.68 16.24% 16 Banten 170,361,068,386.21 9.82% 168,795,972,969.49 9.42% 190,101,770,153.69 10.54% 132,045,602,449.89 11.73% 17 Bali 25,744,911,402.82 1.48% 32,221,430,862.19 1.80% 46,535,151,728.39 2.58% 35,567,040,756.07 3.16% 18 Kalimantan Barat 1,659,352,606.17 0.10% 1,765,278,536.95 0.10% 2,914,003,594.84 0.16% 1,475,261,112.44 0.13% 19 Kalimantan Tengah 2,779,654,555.53 0.16% 2,714,045,205.49 0.15% 3,576,879,669.84 0.20% 4,466,399,145.67 0.40% 20 Kalimantan Selatan 19,156,026,288.61 1.10% 22,533,052,927.72 1.26% 45,667,092,609.28 2.53% 9,924,117,363.68 0.88% 21 Kalimantan Timur 155,024,128,298.37 8.94% 129,855,254,966.87 7.24% 55,638,793,445.82 3.08% 37,012,076,395.18 3.29% 22 Sulawesi Utara 4,173,700,913.48 0.24% 5,111,502,494.62 0.29% 4,774,347,563.95 0.26% 3,383,327,151.29 0.30% 23 Sulawesi Tengah 1,006,671,453.84 0.06% 1,551,161,208.75 0.09% 1,649,386,637.62 0.09% 930,494,082.23 0.08% 24 Sulawesi Selatan 16,717,729,565.16 0.96% 23,069,679,622.97 1.29% 23,920,422,822.59 1.33% 17,210,682,393.94 1.53% 25 Sulawesi Tenggara 36,900,421,496.63 2.13% 34,438,719,842.94 1.92% 36,343,138,610.78 2.02% 551,639,022.88 0.05% 26 Gorontalo 470,108,981.96 0.03% 558,018,128.04 0.03% 545,614,739.22 0.03% 187,731,787.19 0.02% 27 Sulawesi Barat 53,058,174.52 0.00% 78,554,681.37 0.00% 113,260,749.44 0.01% 522,647,723.57 0.05% 28 Nusa Tenggara Barat 1,963,324,282.82 0.11% 3,706,010,978.81 0.21% 2,771,452,454.59 0.15% 1,764,711,010.32 0.16% 29 Nusa Tenggara Timur 660,936,009.28 0.04% 470,786,558.82 0.03% 674,419,775.98 0.04% 402,116,764.70 0.04% 30 Maluku 986,219,504.74 0.06% 528,835,496.63 0.03% 456,610,792.43 0.03% 656,160,724.83 0.06% 31 Maluku Utara 51,224,416.91 0.00% 703,643,802.96 0.04% 687,023,343.99 0.04% 319,112,721.78 0.03% 32 Papua Barat 1,039,504,431.46 0.06% 1,151,930,854.70 0.06% 1,263,102,712.88 0.07% 1,182,478,013.18 0.11% 33 Papua 12,023,130,236.97 0.69% 15,519,600,978.13 0.87% 6,238,679,518.29 0.35% 2,838,375,290.50 0.25%
1,734,388,214,883
1,792,551,104,580 1,803,593,179,507 1,126,166,056,755 T O T A L
Tabl e 3 . 4
Province
NATIONAL GROSS PREMIUM INCOME BY PROVINCE
As At 31 December 2009
T a b l e 4.1
U / Y 2005 U / Y 2006 U / Y 2007 U / Y 2008 U / Y 2009
B a n d a A ceh 1.1 218 300 434 479 265
Med a n 1.2 4,761 2,857 2,911 3,897 2,156
Oth ers 1.3 1,544 1,063 1,224 2,060 950
North Su ma tera 1 6,523 4,220 4,569 6,436 3,371
P a d a n g 2.1 2,933 2,018 2,707 3,514 2,265
P a lemb a n g 2.2 1,203 814 1,091 1,226 504
Oth ers 2.3 6,011 4,989 5,585 8,652 3,678
Sou th Su ma tera 2 10,147 7,821 9,383 13,392 6,447
DKI Ja k a rta 3.1 22,184 22,309 24,054 24,693 15,145
B a n d u n g 3.2 3,313 3,008 3,579 4,372 724
Oth ers 3.3 15,017 13,098 14,198 17,722 12,658
DKI & West Ja va 3 40,514 38,415 41,831 46,787 28,527
Sema ra n g 4.1 1,757 1,563 1,890 2,291 307
Y ogya k a rta 4.2 936 1,376 1,669 1,738 1,098
Oth ers 4.3 3,121 2,971 3,654 5,576 3,795
DIY & Cen tra l Ja va 4 5,814 5,910 7,213 9,605 5,200
Su ra b a ya 5.1 3,584 2,875 3,258 3,877 2,068
Oth ers 5.2 4,567 3,143 3,618 5,140 2,842
E a st Ja va 5 8,151 6,018 6,876 9,017 4,910
Ka lima n ta n 6 2,798 1,831 2,040 3,385 1,290
U ju n g P a n d a n g 7.1 1,070 759 867 1,076 546
Oth ers 7.2 2,386 1,445 2,156 3,178 999
Su la wesi 7 3,456 2,204 3,023 4,254 1,545
Oth er Isla n d 8 4,887 4,696 5,672 6,795 4,714
82,290 71,115 80,607 99,671 56,004
*) Figure above excluding undefined multi location risks
T O T A L
NUMBER OF RISKS BY CRESTA ZONE
As At 31 December 2009
Ta ble 4.2
In IDR
Description
U/Y 2005
In %
U/Y 2006
In %
U/Y 2007
In %
U/Y 2008
In %
U/Y 2009
In %
Agricultural
607
1%
464
1%
413
1%
619
1%
281
1%
Commercial
46,379
56%
38,084
54%
38,175
47%
56,980
57%
29,934
53%
Industrial
17,911
22%
8,969
13%
11,395
14%
9,314
9%
6,108
11%
Residential
17,393
21%
23,598
33%
30,624
38%
32,758
33%
19,681
35%
TOTAL
82,290
71,115
80,607
99,671
56,004
*) Figure above excluding undefined multi location risks
T a b l e 5.1.1
Descrip tion
U /Y 2005
U /Y 2006
U /Y 2007
U /Y 2008
U /Y 2009
Agricultural
1
0
2
0
3
Commercial
229
308
224
422
948
Ind ustrial
12
22
11
13
16
Resid ential
18
62
133
165
501
TOTAL
260
392
370
600
1468
Ta b l e 5.1.2
U/Y 2005 U/Y 2006 U /Y 2007 U/Y 2008 U/Y 2009
Banda Aceh 1.1 0 0 0 1 0
Medan 1.2 0 0 0 1 1
Others 1.3 2 1 0 0 0
North Sumatera 1 2 1 0 2 1
Padang 2.1 24 154 232 224 665
Palembang 2.2 0 0 0 0 0
Others 2.3 1 85 106 10 2
South Sumatera 2 25 239 338 234 667
DKI Jak arta 3.1 1 18 12 50 49
Bandung 3.2 0 2 7 236 643
Others 3.3 6 7 6 61 91
DKI & West Java 3 7 27 25 347 783
Semarang 4.1 0 0 0 0 0
Yogyak arta 4.2 123 88 0 0 3
Others 4.3 103 32 0 1 2
DIY & Central Java 4 226 120 0 1 5
Surabaya 5.1 0 0 0 0 0
Others 5.2 0 0 0 0 0
East Java 5 0 0 0 0 0
Kalimantan 6 0 0 0 0 0
Ujung Pandang 7.1 0 0 0 0 0
Others 7.2 0 3 2 1 0
Sulawesi 7 0 3 2 1 0
Other Island 8 0 2 5 15 12
260 392 370 600 1,468
CLAIM FREQUENCY BY CRESTA ZONE
T O T A L CRESTA Z ONE
Ta ble 5.2.1
In IDR
Description
U/Y 2005
In %
U/Y 2006
In %
U/Y 2007
In %
U/Y 2008
In %
U/Y 2009
In %
Agricultural
679,391,350
0.23%
-
0.00%
228,307,015
0.26%
-
0.00%
4,278,631,451
0.67%
Commercial
296,288,587,681
98.70%
62,714,358,789
92.94%
80,191,063,824
92.76%
284,508,980,546
82.21%
573,219,948,896
89.63%
Industrial
1,237,145,945
0.41%
1,426,278,066
2.11%
2,691,773,685
3.11%
43,794,742,474
12.65%
10,178,608,587
1.59%
Residential
1,982,149,511
0.66%
3,341,200,287
4.95%
3,337,241,704
3.86%
17,783,039,640
5.14%
51,894,100,055
8.11%
TOTAL
300,187,274,487
67,481,837,141
86,448,386,228
346,086,762,661
639,571,288,989
T a b l e 5.2.2
In IDR
Amount in % Amount in % Amount in % Amount in % Amount in %
Banda Aceh 1.1 0.00 0.00 0.00 53,980,575.00 0.00
Medan 1.2 0.00 0.00 0.00 35,147,600.00 849,225,000.00
Others 1.3 693,471,350.00 38,868,000.00 0.00 0.00 0.00
North Sumatera 1 693,471,350.00 0.2% 38,868,000.00 0.1% 0.00 0.0% 89,128,175.00 0.0% 849,225,000.00 0.1%
Padang 2.1 520,815,384.91 12,392,323,221.48 71,975,480,730.66 121,274,954,417.79 347,743,173,179.89
Palembang 2.2 0.00 0.00 0.00 0.00 0.00
Others 2.3 28,044,000.00 13,301,235,769.69 7,256,181,339.40 382,359,613.75 438,045,436.44
South Sumatera 2 548,859,384.91 0.2% 25,693,558,991.17 38.1% 79,231,662,070.06 91.7% 121,657,314,031.54 35.2% 348,181,218,616.33 54.4%
DKI Jak arta 3.1 33,575,300.00 1,274,922,115.00 1,423,567,052.00 14,478,375,341.82 6,545,921,353.28
Bandung 3.2 0.00 29,532,220.00 3,123,678,404.89 184,466,649,426.00 188,842,309,358.76
Others 3.3 2,124,517,860.13 592,233,256.31 863,777,250.00 8,198,379,706.48 61,764,297,912.46
DKI & West Java 3 2,158,093,160.13 0.7% 1,896,687,591.31 2.8% 5,411,022,706.89 6.3% 207,143,404,474.30 59.9% 257,152,528,624.50 40.2%
Semarang 4.1 0.00 0.00 0.00 0.00 0.00
Yogyak arta 4.2 289,312,869,462.44 35,881,903,755.23 0.00 0.00 132,677,500.00
Others 4.3 7,473,981,129.57 3,689,214,185.00 0.00 25,000,000.00 77,500,000.00
DIY & Central Java 4 296,786,850,592.01 98.9% 39,571,117,940.23 58.6% 0.00 0.0% 25,000,000.00 0.0% 210,177,500.00 0.0%
Surabaya 5.1 0.00 0.00 0.00 0.00 0.00
Others 5.2 0.00 0.00 0.00 0.00 0.00
East Java 5 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0%
Kalimantan 6 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0% 0.00 0.0%
U jung Pandang 7.1 0.00 0.00 0.00 0.00 0.00
Others 7.2 0.00 134,523,123.14 369,371,661.00 2,800,000.00 0.00
Sulawesi 7 0.00 0.0% 134,523,123.14 0.2% 369,371,661.00 0.4% 2,800,000.00 0.0% 0.00 0.0%
Other Island 8 0.00 0.0% 147,081,495.59 0.2% 1,436,329,790.00 1.7% 17,169,115,980.13 5.0% 33,178,139,248.48 5.2%
300,187,274,487.05
67,481,837,141.44 86,448,386,227.95 346,086,762,660.97 639,571,288,989.31 T O T A L
Claims Amount By Cresta Zone
As At 31 December 2009
UNDERWRITING YEAR : 2006 - 2009 DATA POS ITION FROM
1 0.00 50.00 32,529 32,529 10.58 10.58 11,494.74 11,494.74 0.18 0.18 93 93 3.29 3.29 2,387.27 2,387.27 0.21 0.21 20.77 20.77 2 50.00 100.00 17,262 49,791 5.62 16.20 1,507.56 13,002.30 0.02 0.20 125 218 4.42 7.70 3,983.19 6,370.45 0.35 0.56 264.21 48.99 3 100.00 200.00 31,115 80,906 10.12 26.32 5,100.13 18,102.43 0.08 0.28 268 486 9.47 17.17 6,477.55 12,848.00 0.57 1.13 127.01 70.97 4 200.00 300.00 24,811 105,717 8.07 34.39 6,979.77 25,082.20 0.11 0.39 357 843 12.61 29.79 16,469.12 29,317.12 1.45 2.57 235.95 116.88 5 300.00 500.00 33,975 139,692 11.05 45.44 15,552.04 40,634.24 0.24 0.63 452 1,295 15.97 45.76 40,492.44 69,809.56 3.55 6.13 260.37 171.80 6 500.00 750.00 35,073 174,765 11.41 56.85 25,661.46 66,295.71 0.40 1.03 377 1,672 13.32 59.08 64,244.11 134,053.67 5.64 11.76 250.35 202.21 7 750.00 1,000.00 19,443 194,208 6.33 63.18 19,805.01 86,100.72 0.31 1.33 1610 1,833 5.69 64.77 30,463.90 164,517.56 2.67 14.44 153.82 191.08 8 1,000.00 1,500.00 25,549 219,757 8.31 71.49 35,063.49 121,164.21 0.54 1.88 2110 2,044 7.46 72.23 39,080.62 203,598.18 3.43 17.87 111.46 168.03 9 1,500.00 2,000.00 13,210 232,967 4.30 75.79 26,209.28 147,373.49 0.41 2.28 1120 2,156 3.96 76.18 34,630.33 238,228.51 3.04 20.90 132.13 161.65 10 2,000.00 2,500.00 9,960 242,927 3.24 79.03 25,628.53 173,002.02 0.40 2.68 890 2,245 3.14 79.33 37,220.36 275,448.87 3.27 24.17 145.23 159.22 11 2,500.00 3,000.00 6,498 249,425 2.11 81.14 20,513.33 193,515.34 0.32 3.00 480 2,293 1.70 81.02 27,214.41 302,663.29 2.39 26.56 132.67 156.40 12 3,000.00 4,000.00 9,265 258,690 3.01 84.16 36,859.54 230,374.88 0.57 3.57 800 2,373 2.83 83.85 42,056.32 344,719.61 3.69 30.25 114.10 149.63 13 4,000.00 5,000.00 5,969 264,659 1.94 86.10 30,999.31 261,374.19 0.48 4.05 580 2,431 2.05 85.90 7,393.03 352,112.64 0.65 30.90 23.85 134.72 14 5,000.00 7,500.00 9,616 274,275 3.13 89.23 66,936.90 328,311.08 1.04 5.08 680 2,499 2.40 88.30 18,033.89 370,146.53 1.58 32.48 26.94 112.74 15 7,500.00 10,000.00 5,302 279,577 1.72 90.95 52,518.40 380,829.48 0.81 5.90 360 2,535 1.27 89.58 31,022.17 401,168.70 2.72 35.20 59.07 105.34 16 10,000.00 20,000.00 9,763 289,340 3.18 94.13 154,780.32 535,609.80 2.40 8.30 640 2,599 2.26 91.84 118,896.69 520,065.39 10.43 45.64 76.82 97.10 17 20,000.00 50,000.00 8,345 297,685 2.71 96.84 297,114.27 832,724.07 4.60 12.90 650 2,664 2.30 94.13 124,579.72 644,645.12 10.93 56.57 41.93 77.41 18 50,000.00 100,000.00 4,027 301,712 1.31 98.15 330,485.80 1,163,209.87 5.12 18.02 470 2,711 1.66 95.80 104,514.58 749,159.70 9.17 65.74 31.62 64.40 19 100,000.00 500,000.00 4,402 306,114 1.43 99.58 1,095,952.24 2,259,162.11 16.97 34.99 830 2,794 2.93 98.73 167,752.15 916,911.85 14.72 80.46 15.31 40.59 20 500,000.00 UP 1,283 307,397 0.42 100.00 3,148,077.51 5,407,239.62 48.76 83.75 190 2,813 0.67 99.40 43,001.890.00 959,913.74 3.77 84.23 1.37 17.75 1,049,458.93 6,456,698.56 16.25 100.00 17 2830 0.60 100.00 179,674.54 1,139,588.28 15.77 100.00 17.12 17.65
