1
w w w . m a i p a r k . c o m
i
Dengan Hormat,
Sesuai dengan tujuan pendirian MAIPARK,
MAIPARK selalu berupaya untuk memberikan
pelayanan yang terbaik bagi Industri Asuransi
Umum di Indonesia khususnya mengenai
statistik dan pengetahuan risiko gempa bumi.
Dukungan dari seluruh perusahaan asuransi
umum sangat berarti bagi kami dalam upaya
pengembangan Laporan Statistik ini.
Kami berharap Laporan Statistik ini dapat
memberikan manfaat tidak hanya bagi
perusahaan yang menangani asuransi gempa
bumi, namun juga bagi industri asuransi umum
di Indonesia.
Hormat kami,
Dear Sir / Madam,
In line with the purpose of MAIPARK
establishment, MAIPARK always strive to
provide the best service for General Insurance
Industry in Indonesia particularly regarding
statistic and knowledge of Earthquake risks.
Support from the General Insurance Industry
will be meaningful to us in order to improve this
Statistic Report.
We hope this Statistic Report will be beneficial
not only to the insurance companies which
write earthquake insurance but also to the
whole general insurance industry in Indonesia.
Sincerely,
Kata Pengantar
Foreword
ii
Hal.
Kata Pengantar ... i
Daftar Isi ... ii
Informasi Statistik ... v
Ikhtisar Statistik Asuransi Gempa Bumi
Indonesia Desember 2013 ...
A. Umum ... 1
B. Struktur Pasar ... 1
C. Premi Bruto ... 1
D. Jumlah Risiko ... 3
E. Incurred Claim ... 4
Exposure Asuransi Gempa Bumi Indonesia ...
Tabel 2.1. Exposure Per Cresta Zone ... 9
Tabel 2.2. Exposure Per Okupasi ... 11
Tabel 2.3. Exposure Per Interest ... 13
Tabel 2.4. Exposure Per Provinsi ... 15
Premi Bruto Asuransi Gempa Bumi Indonesia
...
….
Tabel 3.1. Gross Premium Per Cresta Zone ... 16
Tabel 3.2. Gross Premium Per Okupasi ... 18
Tabel 3.3. Gross Premium Per Provinsi ... 20
Jumlah Risiko Asuransi Gempa Bumi
Indonesia ...
Tabel 4.1. Jumlah Risiko Per Cresta Zone ... 21
Tabel 4.2. Jumlah Risiko Per Okupasi ... 23
Klaim Asuransi Gempa Bumi Indonesia ...
Tabel 5.1. Klaim Frekwensi Per Okupasi ... 25
Tabel 5.2. Klaim Frekwensi Per Cresta Zone ... 27
Tabel 5.3. Klaim Per Okupasi ... 29
Tabel 5.4. Klaim Per Cresta Zone ... 31
Page
Foreword ... i
Contents ... ii
Statistic Information ... v
Statistic Overview of Indonesian Earthquake
Insurance December 2013 ...
A. General ... 1
B. Market Structure ... 1
C. Gross Premium ... 1
D. Number of Risk ... 3
E. Incurred Claim ... 4
Indonesian Earthquake Insurance Exposure ...
Table 2.1. Exposure By Cresta Zone ... 9
Table 2.2. Exposure By Occupation ... 11
Table 2.3. Exposure By Interest ... 13
Table 2.4. Exposure By Province ... 15
Indonesian Earthquake Insurance Gross
Premium ...
Table 3.1. Gross Premium By Cresta Zone ... 16
Table 3.2. Gross Premium By Occupation ... 18
Table 3.3. Gross Premium By Province ... 20
Indonesian Earthquake Insurance Number of
Risks ...
Table 4.1. Number of Risk By Cresta Zone ... 21
Table 4.2. Number of Risk By Occupation ... 23
Indonesian Earthquake Insurance Claim ...
Table 5.1. Claim Frequency By Occupation ... 25
Table 5.2. Claim Frequency By Cresta Zone ... 27
Table 5.3. Claim By Occupation . ... 29
Table 5.4 Claim By Cresta Zone ... 31
Daftar Isi
iii
Profil Risiko dan Klaim ...
Underwriting Year
2009 -2013,
Seluruh Okupasi ... 33
Underwriting Year
2013, Seluruh Okupasi ... 34
Underwriting Year
2012, Seluruh Okupasi ... 35
Underwriting Year
2011, Seluruh Okupasi ... 36
Underwriting Year
2010, Seluruh Okupasi ... 37
Underwriting Year
2009, Seluruh Okupasi ... 38
Profil Risiko dan Klaim Underwriting Year
2013 Per Okupasi ...
Okupasi Agrikultural ... 39
Okupasi Komersial ... 40
Okupasi Industrial ... 41
Okupasi Residensial ... 42
Profil Risiko dan Klaim Underwriting Year
2012 Per Okupasi ...
Okupasi Agrikultural ... 43
Okupasi Komersial ... 44
Okupasi Industrial ... 45
Okupasi Residensial ... 46
Profil Risiko dan Klaim Underwriting Year
2011 Per Okupasi ...
Okupasi Agrikultural ... 47
Okupasi Komersial ... 48
Okupasi Industrial ... 49
Okupasi Residensial ... 50
Profil Risiko dan Klaim Underwriting Year
2010 Per Okupasi ...
Okupasi Agrikultural ... 51
Okupasi Komersial ... 52
Okupasi Industrial ... 53
Okupasi Residensial ... 54
Risk and Loss Profile ...
Underwriting Year 2009 -2013,
All Occupation ... 33
Underwriting Year 2013, All Occupation ... 34
Underwriting Year 2012, All Occupation ... 35
Underwriting Year 2011, All Occupation ... 36
Underwriting Year 2010, All Occupation ... 37
Underwriting Year 2009, All Occupation ... 38
Risk and Loss Profile Underwriting Year
2013 By Occupation
….
...
Agricultural Occupation ... 39
Commercial Occupation ... 40
Industrial Occupation ... 41
Residential Occupation ... 42
Risk and Loss Profile Underwriting Year
2012 By Occupation
….
...
Agricultural Occupation ... 43
Commercial Occupation ... 44
Industrial Occupation ... 45
Residential Occupation ... 46
Risk and Loss Profile Underwriting Year
2011 By Occupation
….
...
Agricultural Occupation ... 47
Commercial Occupation ... 48
Industrial Occupation ... 49
Residential Occupation ... 50
Risk and Loss Profile Underwriting Year
2010 By Occupation
….
...
Agricultural Occupation ... 51
Commercial Occupation ... 52
Industrial Occupation ... 53
iv
Profil Risiko dan Klaim Underwriting Year
2009 Per Okupasi ...
Okupasi Agrikultural ... 55
Okupasi Komersial ... 56
Okupasi Industrial ... 57
Okupasi Residential ... 58
Peta
Distribusi Exposure Gempa Bumi Indonesia per
Provinsi,
Underwriting Year
2013, per 31
Desember 2013
……..
... 59
Distribusi Gempa Bumi Indonesia M > 5 dan
Claim
Incurred
2013
……
... 60
Distribusi Exposure Gempa Bumi Indonesia per
Provinsi,
Underwriting Year
2013, per 31
Desember 2013, Distribusi Gempa Bumi Indonesia
M > 5 dan
Claim Incurred
UY 2013
……….
61
Damage Ratio
………
.. ... 62
Lampiran
1.
Daftar Istilah ... 64
2.
Tarif Asuransi Gempa Bumi Indonesia
….
... 66
3.
Skala
First Loss
... 67
4.
Tabel jangka Waktu Pertanggungan
Kurang Dari Satu Tahun ... 68
5.
Skala
Indemnity Period
... 69
6.
Tabel Cresta Zone dan Zona ………..
70
Referensi
1.
Badan Pengawas Pasar Modal dan Lembaga
Keuangan (Bapepam-LK).
2.
Badan Pusat Statistik (BPS).
*) Laporan Statistik ini dapat diperoleh di website
PT. Asuransi MAIPARK Indonesia
www.maipark.com
Risk and Loss Profile Underwriting Year
2009 By Occupation ...
Agricultural Occupation ... 55
Commercial Occupation ... 56
Industrial Occupation ... 57
Residential Occupation ... 58
Map
Indonesian Earthquake Exposure Distribution By
Province, Underwriting Year 2013, as at 31
December 2013 ... 59
Indonesian Earthquake Distribution M > 5 and
Claim Incurred 2013
………
..
…
.. ... 60
Indonesian Earthquake Exposure Distribution By
Province, Underwriting Year 2013, as at 31
December 2013 , Indonesian Earthquake
Distribution M > 5 and Claim Incurred 2013 ... 61
Damage Ratio
………
.. ... 62
Attachments
1.
Glossaries ... 64
2.
Indonesian Earthquake Insurance
Tariff ... 66
3.
First Loss Scale ... 67
4.
Short Period Table Less Than One Year
Period ... 68
5.
Indemnity Period Scale ... 69
6.
Cresta Zone and Zone Table………
70
Refference
1.
Capital Market and Financial Institution
Supervisory Agency (Bapepam-LK).
2.
Central of Statistics Bureau (BPS).
*)
Statistic Report is available on PT. Asuransi
MAIPARK Indonesia
‘s
Website
v
1.
Statistik dibuat berdasarkan
Underwriting
Year
yang tercatat sampai dengan posisi
31 Desember 2013.
2.
Sesi Limit
2.1.
Limit Sesi atas setiap risiko (
any
one risk
) untuk gabungan kerugian
fisik dan gangguan usaha adalah
sebagai berikut :
2.1.1 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
untuk
Underwriting
Year
2009,
2010,
2011 dan 2012.
5% (lima prosen) dari
jumlah
seluruh
pertanggungan (
total
sum
insured
)
2,631,578.00 (dua juta
enam ratus tiga puluh
satu lima ratus tujuh
puluh delapan Dollar
Amerika) atas setiap
risiko,
setiap
perusahaan asuransi
atau penerbit polis
1.
Statistic
Report
is
based
on
Underwriting Year basis, which is
recorded as at 31 December 2013.
2.
Cession Limit
2.1.
Cession Limit of any one risk for the
combined material damage and
business interruption are as follows
:
USD
2,500,000.00
(two
million
five
hundred
thousand
U.S. Dollars) for any
one
risk,
each
insurance company or
policy
issuer
for
Underwriting
Year
2009, 2010, 2011 and
Indonesian Rupiahs)
or equal to USD
2,631,578.00
(two
million six hundred
thirty one thousand
five hundred seventy
eight U.S. Dollars) for
any one risk, each
insurance company or
policy
issuer
for
Underwriting
Year
2013.
Informasi Statistik
vi
Untuk
Underwriting
Year
2013.
2.1.2
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
perusahaan
asuransi
atau penerbit polis untuk
Underwriting
Year
2009, 2010, 2011 dan
2012.
25% (dua puluh lima
prosen)
dari jumlah
seluruh pertanggungan
(
total
sum
insured
)
maksimum
Rp.
25,000,000,000.00 (dua
puluh
lima
milyar
puluh delapan Dollar
Amerika) atas setiap
risiko,
setiap
perusahaan
asuransi
atau penerbit polis untuk
Underwriting
Year
2013.
2.2.
Yang dimaksud dengan setiap
risiko
(
anyone
risk
)
adalah
akumulasi
(
aggregate
)
jumlah
harga
pertanggungan
seluruh
risiko pada lokasi yang sama untuk
masing-masing
perusahaan
asuransi. Definisi setiap risiko atau
setiap lokasi ditentukan oleh
perusahaan
asuransi
dalam
underwriting
polis kebakaran.
2.1.2.
For other Indonesia areas
2,500,000.00
(two
million five hundred
thousand U.S. Dollars)
for any one risk, each
insurance company or
policy
issuer
for
Underwriting
Year
2009, 2010, 2011 and
Indonesian Rupiahs)
or equal to USD
2,631,578.00
(two
million six hundred
thirty one thousand
five hundred seventy
eight U.S. Dollars) for
any one risk, each
insurance company or
policy
issuer
for
Underwriting
Year
vii
2.3
Dalam hal penutupan secara
First
Loss Basis / Sub-limit
, jumlah yang
disesikan
sebagaimana
diatur
dalam butir 2.1 diatas, dikalikan
prosentase
First Loss Scale
.
2.4
Untuk risiko yang ditutup secara
ko-asuransi, jumlah maksimum
sesi dari semua anggota
ko-asuransi adalah sesuai dengan
ketentuan yang diatur dalam 2.1
diatas.
Sesi
masing-masing
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
mengaplikasikan
Tarif
Premi
Standar Gempa Bumi Indonesia
(lampiran 2).
3.2. Penutupan
First Loss / Sub Limit
Basis
mengaplikasikan standar
First Loss Scale
(lampiran 3).
3.3. Perhitungan
premi
untuk
penutupan kurang dari 12 (dua
belas) bulan diberlakukan skala
premi jangka pendek (lampiran 4)
3.4. Untuk perhitungan
premi Business
Interruption
diberlakukan
Indemnity
Period Scale
(lampiran 5).
2.3
In First Loss Basis / Sub Limit
policies, the amount ceded is
stipulated in point 2.1 above, then
multiplied by the percentage of First
Loss Scale.
2.4
For risks which are covered by
co-insurance, the maximum cession
from all members of coinsurance is
stipulated in point 2.1 above. Each
ceding
company
cedes
proportionally depending on its
co-insurance share.
If there are policies other than
co-insurance policy on the same
insured object, the insurer is still
able to cede such risk subject to
t
otal insurance company’s
cession
not exceeding the provision in point
2.1.
3.
Indonesian
Standard
Earthquake
Premium Tariff
3.1.
For the coverage of Full Value
Basis, apply Indonesian Standard
Earthquake
Premium
Tariff
(attachment 2).
3.2.
For the First Loss / Sub Limit Basis
coverage apply standard First Loss
Scale (attachment 3).
3.3.
Premium calculation for short
period coverage is based on Short
Period Scale (attachment 4).
viii
4.
Obyek Pertanggungan
4.1 Obyek pertanggungan yang dapat
disesikan
adalah
obyek
pertanggungan
asuransi
kebakaran berupa :
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
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.
4.
Insured Object
4.1.
Insured object which can be ceded
is fire insurance object such as :
4.1.1.
Material damage :
Building
Foundation
Excavation and
the like
Stock
Others
4.1.2.
Business Interruption
Gross Profit
Wages
Increase in cost of
working
Others
4.2.
Insured object referred in point 4.1
is
direct
business,
including
coinsurance. Indirect business /
reinsurance cannot be ceded.
5.
Bordereaux Submission
1
A.
Umum
Berdasarkan data Badan Pusat Statistik,
Perekonomian Indonesia pada tahun 2013
sebagaimana diukur dari Pendapatan Domestik
Bruto
(PDB),
tumbuh
sebesar
5,78%
dibandingkan tahun 2012. Nilai Produk
Domestik Bruto (PDB) Indonesia atas dasar
harga konstan 2000 pada tahun 2013
mencapai Rp. 2.770,3 triliun sedangkan pada
tahun 2012 sebesar Rp. 2.618,9 triliun. Bila
dilihat berdasarkan harga berlaku, PDB tahun
2013 adalah sebesar Rp. 9.084,0 triliun
sedangkan tahun 2012 adalah Rp. 8.229,4
triliun.
B. Struktur Pasar
Berdasarkan data Otoritas Jasa Keuangan
pada buku Direktori Perasuransian Indonesia
2013:
Industri
Keuangan
Non
Bank
Perasuransian,
terdapat
82
perusahaan
asuransi umum yang memiliki izin beroperasi di
Indonesia.
C. Premi Bruto
Sampai dengan 31 Desember 2013, premi
bruto asuransi gempa bumi
Underwriting Year
2009 adalah sebesar Rp.1.781,2
miliar. Premi
bruto untuk
Underwriting Year
2010 tercatat
A. General
amount of Rp. 2,770.3 trillion while in 2012 was
Rp. 2,618.9
trillion. If it is based on Current
Market Price, GDP in 2013 was Rp. 9,084.0
trillion while in 2012 was Rp. 8,229.4 trillion.
B. Market Structure
Based on Financial Services Authority data
in the book of Indonesian Insurance Directory
2013: Non Bank Financial Institution Insurance,
there are 82 general insurers having operating
licenses in Indonesia.
C. Gross Premium
As at 31 December 2013, earthquake
gross premium for Underwriting Year 2009 was
Rp. 1,781.2 billion. Gross premium for
Underwriting Year 2010 was recorded
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Desember 2013
2
Rp.
2.117,0
miliar,
sedangkan
untuk
Underwriting Year
2011 adalah Rp. 2.813,5
miliar. Untuk
Underwriting Year
2012 dan 2013
adalah Rp. 2.637,7 miliar dan Rp. 2.253,6
miliar. Angka
–
angka ini akan terus bergerak
naik terutama untuk
Underwriting Year
2012
dan 2013.
Tabel 1.1 di bawah ini menyajikan rincian
premi bruto berdasarkan jenis okupasi dari
Underwriting Year
2009 hingga
Underwriting
Year
2013. Prosentase okupasi Industrial
selalu berada pada posisi pendapatan tertinggi
dibanding 3 (tiga) okupasi lainnya (Agrikultural,
Komersial, Residensial), yaitu di atas 60% dari
total premi.
Meskipun okupasi Komersial, Residensial
dan Agrikultural tidak memberikan kontribusi
premi sebesar okupasi Industrial, namun ketiga
okupasi tersebut memperlihatkan pertumbuhan
premi yang cukup signifikan. Hal ini terlihat
terutama pada premi okupasi Agrikultural pada
Underwriting Year
2010 yang meningkat
sebesar 59,1% dari Rp. 13.095,78 juta di
Underwriting Year 2009
menjadi Rp. 20.834,91
juta.
Rp. 2,117.0
billion, while for Underwriting Year
2011 was Rp. 2,813.5 billion. For Underwriting
Year 2012 and 2013 were Rp. 2,637.7
billion
and Rp. 2,253.6
billion.
These figures would
certainly increase especially for Underwriting
Year 2012 and 2013.
The table 1.1 below shows the details of
gross premium based on occupation from
Underwriting Year 2009 to Underwriting Year
2013. Industrial occupation always has the
biggest percentage income compared to 3
(three) remaining occupations (Agricultural,
Commercial, Residential), that is above 60%
from premium total.
Although occupation of Commercial,
Residential and Agricultural do not contribute
premium as much as Industrial occupation,
those three occupation show significant
premium growth. In this case, the premium
under Agricultural occupation in Underwriting
Year 2010 increased by 59.1% from Rp.
13,095.78 million in Underwriting Year 2009 to
Rp. 20,834.91 million.
Dalam Jutaan Rupiah
In Million Rupiah
2009
13,095.78
0.74%
407,938.46
22.90%
1,124,194.09
63.12%
235,955.31
13.25%
1,781,183.65
2010
20,834.91
0.98%
434,873.30
20.54%
1,298,122.02
61.32%
363,164.81
17.15%
2,116,995.04
2011
23,859.57
0.85%
751,463.85
26.71%
1,695,522.78
60.26%
342,674.99
12.18%
2,813,521.19
2012
29,495.08
1.12%
639,792.77
24.26%
1,623,301.32
61.54%
345,103.08
13.08%
2,637,692.25
2013
25,809.42
1.15%
516,779.37
22.93%
1,419,749.97
63.00%
291,242.90
12.92%
2,253,581.67
T O T A L
113,094.76
2,750,847.76
7,160,890.18
1,578,141.10
11,602,973.80
Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 31 Desember 2013
Table 1.1 Gross Premium and Ratio By Occupation as at 31 December 2013
Agrikultural /
Agricultural
Okupasi
Total
Underwriting
3
D. Jumlah Risiko
Tabel 1.2 di bawah ini menyajikan jumlah
risiko pada
Underwriting Year
2009 hingga
Underwriting Year
2013 yang tercatat sampai
dengan 31 Desember 2013.
D. Number of Risks
Table 1.2 below shows the number of
risks from Underwriting Year 2009 to
Underwriting Year 2013 recorded until 31
December 2013.
Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 31 Desember 2013
Table 1.2 Number of Risk By Occupation as at 31 December 2013
Jumlah /
Total
%
Jumlah /
Total
%
Jumlah /
Total
%
Jumlah /
Total
%
Jumlah /
Total
%
Agricultural /
Agricultural
A
252
0.19
441
0.27
379
0.23
420
0.24
333
0.26
Komersial /
Commercial
C
74,406
57.08
83,090
50.49
91,395
55.09
94,220
54.82
64,217
50.71
Industrial /
Industrial
I
12,934
9.92
13,867
8.43
14,995
9.04
16,252
9.46
12,765
10.08
Residensial /
Residential
R
42,755
32.80
67,166
40.81
59,127
35.64
60,972
35.48
49,326
38.95
130,347
100.00
164,564
100.00
165,896
100.00
171,864
100.00
126,641
100.00
U/Y 2012
U/Y 2013
Occupation
Jumlah /
Total
Okupasi
U/Y 2009
U/Y 2010
U/Y 2011
Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 31 Desember 2013
Graph 1.1 Number of Risks by Occupation as at 31 December 2013
Agricultural, 379
Commercial, 91,395
Industrial, 14,995 Residential, 59,127
Agricultural, 420
Commercial, 94,220
Industrial, 16,252
Residential, 60,972
Agricultural, 333 Commercial, 64,217
Industrial, 12,765
Residential, 49,326 Agricultural, 252
Commercial, 74,406
Industrial, 12,934
Residential, 42,755
Agricultural, 441
Commercial,
UY 2012 UY 2013
UY 2010
4
Jumlah risiko terbesar untuk setiap
Underwriting Year
, dalam hal ini dari
Underwriting Year
2009 sampai dengan
Underwriting Year
2013 ada pada okupasi
Komersial, yaitu selalu berada pada rasio di
atas 50% dari total risiko. Kemudian diikuti oleh
okupasi Residensial dengan rasio di atas 32%.
Jika terdapat asosiasi antara kontribusi
premi dengan banyaknya risiko maka belum
tentu asosiasi tersebut berbentuk linear dan
positif. Hal ini dibuktikan dengan apabila
melihat dari premi bruto tertinggi berada di
okupasi industrial sedangkan banyak risiko
tertinggi berada pada okupasi komersial.
E. Incurred Claim
Berdasarkan tabel 1.3 di bawah ini
frekuensi klaim gempa bumi paling banyak
terjadi di
Underwriting Year
2009 yaitu
sebanyak 1.862 klaim dan didominasi okupasi
Komersial sebanyak 977 klaim. Hal ini
disebabkan oleh kejadian 2 (dua) gempa bumi
yang terbesar di 2009 yaitu Gempa Bumi
Pariaman pada tanggal 30 September 2009
dengan kekuatan 7,6 S.R dan Gempa Bumi
Tasikmalaya pada tanggal 2 September 2009
dengan kekuatan 7,0 S.R.
The highest number of risks for each
Underwriting Year, in this case from
Underwriting Year 2009 to Underwriting Year
2013, is under Commercial occupation, which
is always on the ratio above 50% from the total
risk. Then, it is followed by Residential
occupation with ratio above 32%.
If there is any association between the
premium contribution and the number of risks
then the association is not necessarily linear
nor positive. This is proved which the highest
gross premium is on the industrial occupation
while the highest total risk is under commercial
occupation.
E. Incurred Claim
5
Berdasarkan Tabel 1.4 dan grafik di bawah
ini terlihat bahwa untuk frekwensi klaim tinggi
berada pada Total Incurred Claim yang relative
kecil, sedangkan untuk frekwensi klaim kecil
berada pada Total Incurred Claim yang relative
besar.
Based on table 1.4 and graph below it can
be seen that the high frequency claims lies in
relatively small Total Claim Incurred, while low
frequency claims lies in relatively big Total
Claim Incurred.
2009
2010
2011
2012
2013
Agrikultural /
Agricultural
A
27
0
0
0
0
Komersial /
Commercial
C
977
46
71
15
2
Industrial /
Industrial
I
23
1
0
0
0
Residensial /
Residential
R
835
10
31
2
2
1,862
57
102
17
4
Table 1.3 Claim Frequency By Occupation as at 31 December 2013
Occupation
Jumlah /
Total
Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 31 Desember 2013
Underwriting Year
Okupasi
*) Dalam Jutaan Rupiah *) In Million Rupiah
Frekwensi
Total
Incurred Claim
Rata-rata
Incurred Claim Incurred Claim Tertinggi Inccured Claim Terendah
Frequency
Total Claim Incurred
Average Claim Incurred
Highest Claim Incurred
Lowest Claim Incurred
1,149
18,274,888,886.08
15,905,038.20
49,973,280.00
131,440.00
50
-
20,000
3
41,485,782,101.00
13,828,594,033.67
19,273,400,068.00
10,662,179,031.00
20,000
-
50,000
5
175,867,155,154.00
35,173,431,030.80
42,846,436,400.00
23,381,630,150.00
50,000
-
100,000
0
0.00
0.00
0.00
0.00
100,000
-
500,000
2
375,172,744,787.00
187,586,372,393.50
243,733,718,800.00
131,439,025,987.00
500,000
-
up
0
0.00
0.00
0.00
0.00
1,862
990,440,072,403
kurang dari 50
Claim Incurred (BAND)*)
Incurred Claim (BAND) *)
Total
Tabel 1.4 Frekwensi I
ncurred Claim Underwriting Year
2009 Per 31 Desember 2013
6
Dengan melihat tabel 1.5 tampak bahwa
jumlah klaim terbesar juga berada pada
Underwriting Year 2009. Klaim yang terbesar
adalah pada okupasi Komersial, yaitu 91,35%
dari total klaim di Underwriting Year 2009 atau
sebesar Rp. 904,7 miliar.
Tabel 1.6 di bawah ini menyajikan kejadian
Gempa Bumi Tahun 2013 dan Incurred Claim
sampai dengan 31 Desember 2013.
Looking at table 1.5 below, it shows that
the largest claim is also in the Underwriting
Year 2009. The largest claim is under
Commercial occupation that is 91.35% of the
total claim in Underwriting Year 2009 or
Rp. 904.7 billion.
Table 1.6 below shows earthquake events
occurred in 2013 and the corresponding
incurred claims as at 31 December 2013.
Table 1.5 Claim Amount By Occupation as at 31 December 2013
Dalam Rupiah
In Rupiah
2009
2010
2011
Jumlah /
Amount
%
Jumlah /
Amount
%
Jumlah /
Amount
%
Jumlah /
Amount
%
Jumlah /
Amount
%
Agrikultural /
Agricultural
A
14,121,897,296.24
1.43
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Komersial /
Commercial
C
904,718,509,594.94
91.35
42,365,682,812.73
97.35
16,030,661,263.49
96.14
2,356,896,601.54
94.02
67,000,000.00
0.00
Industrial /
Industrial
I
4,423,722,616.25
0.45
760,224,542.70
1.75
0.00
0.00
0.00
0.00
0.00
0.00
Residensial /
Residential
R
67,175,942,895.10
6.78
391,785,430.40
0.90
642,983,109.86
3.86
150,000,000.00
5.98
95,436,000.00
0.00
990,440,072,402.53
100.00
43,517,692,785.83
100.00
16,673,644,373.35
100.00
2,506,896,601.54
100.00
162,436,000.00
0.00
Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 31 Desember 2013
2012
Okupasi
Occupation
2013
Jumlah /
Total
7
Tabel 1.7 di bawah ini menyajikan klaim
Gempa Bumi Aceh, Ciamis, Banda Aceh dan
Jambi perjenis okupasi.
Tabel di bawah ini adalah daftar klaim
terbesar sampai dengan tanggal 31 Desember
2013.
Table 1.7 shows Aceh, Ciamis, Banda
Aceh and Jambi Earthquake by occupation.
The table below is a list of the largest
claims as at 31 December 2013.
Tabel 1.7 Kejadian Gempa Bumi Tahun 2013 dan Klaim per Okupasi per 31 Desember 2013
Table 1.7 Earthquak e Event in 2013 and Claim per Occupation as at 31 December 2013
Event Date of Loss
Agrikultural / Komersial / Industrial / Residensial /
Agricultural Commercial Industrial Residential
Aceh 22-Jan-13 0 2 0 0 0.00 590,717,400.00 0.00 0.00 Ciamis 13-Jun-13 0 3 0 0 0.00 485,665,500.00 0.00 0.00 Banda Aceh 2-Jul-13 0 5 0 1 0.00 1,110,257,500.00 0.00 12,436,000.00 Jambi 28-Aug-13 0 0 0 1 0.00 0.00 0.00 83,000,000.00
Residensial /
Residential
Agrikultural /
Agricultural
Komersial /
Commercial
Industrial /
Industrial
Kejadian Tanggal Kejadian
Okupasi
Occupation
Frekwensi
Frequancy
Jumlah (Dalam Rupiah)
Amount (In Rupiah)
Ta be l 1.6 Ke ja dia n Ge mpa Bumi Ta hun 2013 da n Kla im pe r 31 De se mbe r 2013
Tab le 1.6 Earthquak e Event in 2013 and Claim as at 31 Decemb er 2013
Dalam Rupiah
In Rupiah
Ke ja dia n Ta ngga l Ke ja dia n Ke kua ta n Ge mpa (S.R)
Event Date of Loss Magnitude (S.R)
Aceh 22 January 2013 6 590,717,400
Dalam Rupiah
In Rupiah
No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim
Event Date of Loss Magnitude (S.R) Claim
1 ACEH 26-12-2004 9 864,048,717,450.42
*) Penyebab terkait letusan gunung berapi
Caused b y volcanic eruption
Daftar Klaim - Klaim Terbesar Posisi 31 Desember 2013
8
Tabel 1.8 menyajikan data jumlah polis dan
loss ratio per 31 Desember 2013. Tabel
tersebut menunjukkan bahwa loss ratio
tertinggi berada pada Underwriting Year 2009
sebesar 55,61%. Hal ini dipengaruhi oleh nilai
klaim yang cukup tinggi yang mayoritas
disebabkan dari gempa Pariaman dan gempa
Tasikmalaya tahun 2009.
Tabel 1.9 menyajikan Premi dan Exposure
per 31 Desember 2013.
Table 1.8 shows number of policies, and
loss ratio as at 31 December 2013. The table
show that the biggest loss ratio was at
Underwriting Year 2009 i.e. 55.61%. It was
influenced by large amount of claim that
majority resulting from Pariaman Earthquake
and Tasikmalaya Earthquake 2009.
Table 1.9 shows Premium and Exposure
as at 31 December 2013.
Tabel 1.8 Jumlah Polis dan Loss Ratio per 31 Desember 2013
Table 1.8 Number of Policies and Loss Ratio as at 31 December 2013
Underwriting
Jumlah Polis
Premi *)
Frekwensi Klaim
Jumlah Klaim *)
Year
Number of Policies
Premium *)
Claim Frequency
Incurred Claim *)
2009
125,701
1,781,183,652,111.94
1,862
990,440,072,402.53
55.61%
2010
117,352
2,116,995,038,415.75
57
43,517,692,785.83
2.06%
2011
117,296
2,813,521,192,187.48
102
16,673,644,373.35
0.59%
2012
111,378
2,637,692,249,579.52
17
2,506,896,601.54
0.10%
2013
82,062
2,253,581,667,373.46
4
162,436,000.00
0.01%
Keterangan :
*) Dalam Rupiah In Rupiah
Loss Ratio
Dalam Jutaan Rupiah
In Million Rupiah
Premi
Exposure
Premium
Exposure
2009
1,781,183.65
1,498,172,604.36
2010
2,116,995.04
1,671,797,166.78
2011
2,813,521.19
2,149,134,478.35
2012
2,637,692.25
1,930,793,341.27
2013
2,253,581.67
1,490,910,419.10
Tabel 1.9 Premi dan Exposure per 31 Desember 2013
Table 1.9 Premium and Exposure as at 31 December 2013
9
Tab le 2.1
in IDR
Amount
%
Amount
%
Amount
%
Amount
%
Amount
%
BANDA ACEH 1.1 1,147,969,620,214.51 0.08 3,496,644,044,242.15 0.21 4,608,961,565,236.65 0.21 3,825,811,548,648.46 0.20 982,921,240,964.05 0.07 MEDAN 1.2 41,165,087,033,173.50 2.75 39,916,550,753,548.00 2.39 46,300,483,279,269.40 2.15 39,329,107,630,969.00 2.04 35,585,304,210,691.60 2.39 OTHERS 1.3 21,353,562,776,744.20 1.43 66,119,043,411,639.70 3.95 98,984,829,133,319.40 4.61 39,183,977,199,931.60 2.03 34,295,758,952,219.10 2.30
NORTH SUMATERA 1 63,666,619,430,132.10 4.25 109,532,238,209,430.00 6.55 149,894,273,977,825.00 6.97 82,338,896,379,549.10 4.26 70,863,984,403,874.70 4.75
PADANG 2.1 47,028,709,307,731.00 3.14 18,592,594,782,958.80 1.11 15,927,831,157,128.30 0.74 18,421,862,418,479.60 0.95 14,669,956,454,706.30 0.98 PALEMBANG 2.2 19,095,308,994,108.40 1.27 20,447,045,202,732.10 1.22 15,166,937,585,490.50 0.71 18,928,972,224,808.40 0.98 14,701,093,940,176.90 0.99 OTHERS 2.3 93,710,512,373,592.60 6.25 97,873,703,283,582.00 5.85 122,382,707,164,140.00 5.69 134,609,075,030,655.00 6.97 102,381,764,713,513.00 6.87
SOUTH SUMATERA 2 159,834,530,675,432.00 10.67 136,913,343,269,273.00 8.19 153,477,475,906,759.00 7.14 171,959,909,673,944.00 8.91 131,752,815,108,396.00 8.84
JAKARTA 3.1 294,608,587,371,990.00 19.66 304,770,044,796,357.00 18.23 464,814,473,055,751.00 21.63 398,750,750,974,243.00 20.65 299,045,393,279,671.00 20.06 BANDUNG 3.2 7,356,310,993,872.18 0.49 5,935,570,412,798.67 0.36 6,786,912,562,751.73 0.32 10,944,195,730,503.80 0.57 5,997,317,914,275.74 0.40
OTHERS 3.3 437,777,788,937,103.00 29.22 601,991,668,850,461.00 36.01 604,174,687,261,868.00 28.11 643,952,473,788,529.00 33.35 531,779,547,246,639.00 35.67
WEST JAVA 3 739,742,687,302,965.00 49.38 912,697,284,059,617.00 54.59 1,075,776,072,880,370.00 50.06 1,053,647,420,493,280.00 54.57 836,822,258,440,586.00 56.13
SEMARANG 4.1 1,326,730,828,856.88 0.09 10,367,214,200,409.60 0.62 6,547,169,388,280.43 0.30 6,998,183,336,427.71 0.36 4,258,715,004,050.47 0.29 YOGYAKARTA 4.2 8,512,796,192,033.62 0.57 9,031,049,769,491.59 0.54 10,207,395,226,468.00 0.47 9,298,709,189,030.30 0.48 5,881,524,541,719.08 0.39 OTHERS 4.3 76,803,312,316,763.50 5.13 59,368,748,605,101.20 3.55 116,820,457,729,334.00 5.44 100,945,022,159,548.00 5.23 103,199,895,384,011.00 6.92
CENTRAL JAVA 4 86,642,839,337,654.00 5.78 78,767,012,575,002.40 4.71 133,575,022,344,082.00 6.22 117,241,914,685,006.00 6.07 113,340,134,929,780.00 7.60
SURABAYA 5.1 52,526,615,979,789.30 3.51 95,848,731,261,121.60 5.73 87,307,042,599,550.50 4.06 50,532,585,740,496.90 2.62 35,214,275,895,068.70 2.36 OTHERS 5.2 216,847,389,830,894.00 14.47 150,484,659,050,333.00 9.00 300,810,040,239,822.00 14.00 225,387,581,690,693.00 11.67 148,334,882,646,569.00 9.95
EAST JAVA 5 269,374,005,810,683.00 17.98 246,333,390,311,454.00 14.73 388,117,082,839,373.00 18.06 275,920,167,431,190.00 14.29 183,549,158,541,638.00 12.31 KALIMANTAN 6 81,276,521,181,542.00 5.43 78,300,358,445,091.90 4.68 122,855,231,852,261.00 5.72 100,882,096,624,812.00 5.22 63,375,671,419,487.20 4.25
UJUNG PANDANG 7.1 13,009,604,695,590.60 0.87 8,852,259,330,092.91 0.53 10,434,187,846,426.00 0.49 10,598,165,057,049.10 0.55 10,086,632,034,856.70 0.68 OTHERS 7.2 35,604,745,063,349.60 2.38 50,892,109,819,503.50 3.04 59,654,403,769,405.30 2.78 54,306,908,652,180.00 2.81 22,969,456,059,887.90 1.54
SULAWESI 7 48,614,349,758,940.20 3.24 59,744,369,149,596.40 3.57 70,088,591,615,831.30 3.26 64,905,073,709,229.10 3.36 33,056,088,094,744.50 2.22 OTHER ISLANDS 8 49,021,050,865,766.90 3.27 49,509,170,759,362.60 2.96 55,350,726,937,134.90 2.58 63,897,862,269,282.90 3.31 58,150,308,165,772.70 3.90 1,498,172,604,363,120.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00
U/Y 2013
As At 31/12/2013
National Aggregate Exposure By Cresta Zone
T O T A L
U/Y 2012
Cresta Zone
U/Y 2011
10
National Aggregate Exposure By Cresta Zone
As at 31 December 2013
(In Billion IDR)
North Sumatera
11
Amount
%
Amount
%
Amount
%
Amount
%
Amount
%
AGRICULTURAL A 11,544,028,397,174.20 0.77 17,597,981,439,651.60 1.05 20,140,109,366,943.60 0.94 23,603,439,857,842.60 1.22 19,250,617,641,625.90 1.29 COMMERCIAL C 327,937,005,195,224.00 21.89 314,289,421,301,657.00 18.80 538,796,228,101,515.00 25.07 449,129,640,687,089.00 23.26 345,547,131,724,955.00 23.18 INDUSTRIAL I 983,266,546,650,208.00 65.63 1,067,407,549,755,600.00 63.85 1,357,537,625,980,160.00 63.17 1,228,505,689,568,100.00 63.63 936,288,199,500,973.00 62.80 RESIDENTIAL R 175,425,024,120,509.00 11.71 272,502,214,281,919.00 16.30 232,660,514,905,023.00 10.83 229,554,571,153,260.00 11.89 189,824,470,236,725.00 12.73 1,498,172,604,363,110.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00
Tab le 2.2
Occupation
As At 31/12/2013
National Aggregate Exposure By Occupation
T O T A L
U/Y 2011
U/Y 2012
U/Y 2013
in IDR
12
( In Billion IDR )
Agricultural, 20,140.11
Agricultural, 23,603.44
Agricultural, 19,250.62 Commercial,
345,547.13
Industrial, 936,288.20
Residential, 189,824.47
National Aggregate Exposure By Occupation
As at 31 December 2013
Agricultural, 11,544.03
13
Tab le 2.3Amount % Amount % Amount % Amount % Amount %
Building 714,018,329,452,070.00 47.66 766,353,943,252,236.00 45.84 958,986,268,434,483.00 44.62 810,580,070,470,373.00 41.98 677,103,063,252,230.00 45.42 Machinery 295,613,718,228,449.00 19.73 374,184,959,588,157.00 22.38 431,897,927,718,941.00 20.10 388,705,612,476,042.00 20.13 296,748,182,356,913.00 19.90 Others 192,475,556,891,564.00 12.85 183,213,872,120,665.00 10.96 253,972,852,718,059.00 11.82 266,881,010,311,974.00 13.82 188,100,304,834,411.00 12.62 Stock 164,457,610,004,332.00 10.98 217,191,496,939,453.00 12.99 284,224,703,862,465.00 13.23 281,453,703,617,245.00 14.58 211,540,386,415,813.00 14.19 Bussiness Interruption 131,607,389,786,700.00 8.78 130,852,894,878,316.00 7.83 220,052,725,619,690.00 10.24 183,172,944,390,654.00 9.49 117,418,482,244,912.00 7.88
T O T A L 1,498,172,604,363,120.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00
National Aggregate Exposure By Interest
In IDR
Interest
U/Y 2011
U/Y 2012
U/Y 2013
As At 31/12/2013
14
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
800,000
900,000
1,000,000
UY 2009
UY 2010
UY 2011
UY 2012
UY 2013
Building
Machin ery
Stock
Others
Business Interruption
National Aggregate Exposure Year By Interest
As at 31 Dec 2013
15
Tab le 2.4In IDR
Amount % Amount % Amount % Amount % Amount %
01. NAD 2,122,192,608,343.15 0.14 46,017,129,711,409.00 2.75 61,532,603,567,310.90 2.86 8,274,903,774,169.93 0.43 2,757,445,659,206.46 0.18 02. SUMATERA UTARA 61,544,426,821,789.00 4.11 63,515,108,498,020.90 3.80 88,361,670,410,514.50 4.11 74,063,992,605,379.20 3.84 68,106,538,744,668.30 4.57 03. SUMATERA BARAT 52,034,740,302,059.10 3.47 22,413,073,192,181.50 1.34 23,079,822,132,237.50 1.07 26,380,724,721,653.00 1.37 21,148,736,563,953.80 1.42 04. RIAU 23,632,348,436,517.60 1.58 32,775,279,641,286.80 1.96 34,753,443,243,498.20 1.62 33,045,941,724,784.90 1.71 29,803,718,907,139.70 2.00 05. JAMBI 4,306,397,901,826.63 0.29 5,229,365,051,921.28 0.31 8,148,510,638,051.55 0.38 10,648,651,946,191.30 0.55 8,702,417,831,936.71 0.58 06. SUMATERA SELATAN 34,446,822,226,779.60 2.30 37,906,239,822,304.80 2.27 30,249,511,522,997.60 1.41 40,602,409,954,234.60 2.10 26,533,613,932,005.20 1.78 07. BENGKULU 2,828,260,196,796.79 0.19 3,090,187,981,017.82 0.18 4,062,453,717,435.66 0.19 4,421,351,504,632.45 0.23 3,625,668,794,507.75 0.24 08. LAMPUNG 22,287,905,856,293.50 1.49 16,664,884,556,586.80 1.00 27,466,542,870,908.00 1.28 27,843,463,546,002.50 1.44 20,990,298,926,975.30 1.41 09. KEP BANGKA-BELITUNG 24,260,716,187,188.80 1.62 3,336,058,201,436.26 0.20 3,044,812,785,166.98 0.14 3,939,954,922,023.31 0.20 1,811,280,401,267.71 0.12 10. KEPULAUAN RIAU 36,744,767,794,671.60 2.45 15,498,254,822,537.40 0.93 22,672,378,996,463.70 1.05 25,077,411,354,421.50 1.30 19,137,079,750,610.20 1.28 11. JAKARTA 280,800,571,412,260.00 18.74 304,770,044,796,357.00 18.23 464,814,473,055,751.00 21.63 398,750,750,974,243.00 20.65 299,045,393,279,671.00 20.06 12. JAWA BARAT 273,084,009,607,933.00 18.23 395,889,402,257,845.00 23.68 400,903,115,744,346.00 18.65 440,895,760,769,646.00 22.83 337,123,903,681,066.00 22.61 13. JAWA TENGAH 76,554,822,702,030.30 5.11 68,286,066,186,836.40 4.08 121,739,479,909,408.00 5.66 105,706,759,792,408.00 5.47 106,030,876,200,698.00 7.11 14. DIY 9,468,672,538,435.68 0.63 10,480,946,388,166.00 0.63 11,835,542,434,674.60 0.55 11,535,154,892,598.40 0.60 7,309,258,729,082.64 0.49 15. JAWA TIMUR 266,545,519,830,729.00 17.79 246,333,390,311,454.00 14.73 388,117,082,839,373.00 18.06 275,920,167,431,190.00 14.29 183,549,158,541,638.00 12.31 16. BANTEN 150,867,526,850,566.00 10.07 212,037,837,005,415.00 12.68 210,058,484,080,274.00 9.77 214,000,908,749,386.00 11.08 200,652,961,479,849.00 13.46 17. BALI 40,366,053,939,598.70 2.69 39,388,452,490,115.70 2.36 43,334,326,311,336.20 2.02 50,173,259,877,963.50 2.60 48,235,630,253,850.20 3.24 18. NUSA TENGGARA BARAT 3,492,479,571,418.68 0.23 2,914,401,771,130.72 0.17 3,078,064,899,149.34 0.14 3,809,227,696,051.74 0.20 3,146,631,072,754.15 0.21 19. NUSA TENGGARA TIMUR 750,869,736,995.34 0.05 862,786,991,135.17 0.05 1,617,483,032,767.29 0.08 2,086,187,050,956.71 0.11 1,311,773,975,419.25 0.09 20. KALIMANTAN BARAT 4,213,062,487,429.85 0.28 4,184,375,704,375.67 0.25 6,929,074,391,744.74 0.32 6,041,674,891,622.79 0.31 4,950,206,353,333.85 0.33 21. KALIMANTAN TENGAH 3,432,721,226,962.45 0.23 11,728,678,849,876.80 0.70 12,227,209,133,229.00 0.57 11,763,771,657,050.80 0.61 10,007,221,731,804.50 0.67 22. KALIMANTAN SELATAN 14,449,667,226,129.60 0.96 14,511,411,705,943.40 0.87 28,153,220,447,496.90 1.31 14,468,107,371,409.20 0.75 15,562,928,304,085.90 1.04 23. KALIMANTAN TIMUR 56,740,301,371,086.40 3.79 47,875,892,184,896.00 2.86 75,545,727,879,790.50 3.52 68,608,542,704,729.00 3.55 32,855,315,030,262.90 2.20 24. SULAWESI UTARA 7,141,370,508,296.35 0.48 8,854,635,630,089.60 0.53 20,479,153,699,598.30 0.95 11,210,851,937,821.50 0.58 11,297,108,211,066.60 0.76 25. SULAWESI TENGAH 1,191,617,762,901.66 0.08 1,344,987,489,172.88 0.08 2,237,761,075,451.70 0.10 2,084,727,957,349.79 0.11 3,177,636,852,150.88 0.21 26. SULAWESI SELATAN 20,042,311,918,068.80 1.34 16,692,942,023,777.90 1.00 24,502,592,637,872.60 1.14 26,720,766,741,669.50 1.38 15,515,241,414,918.20 1.04 27. SULAWESI TENGGARA 8,620,447,929,885.33 0.58 18,974,413,466,606.60 1.13 9,116,259,975,615.48 0.42 9,611,064,092,486.42 0.50 1,039,633,938,212.12 0.07 28. GORONTALO 10,915,430,441,797.70 0.73 12,014,670,866,240.30 0.72 12,799,808,049,629.60 0.60 14,153,833,090,692.40 0.73 830,525,478,998.85 0.06 29. SULAWESI BARAT 545,524,153,447.43 0.04 1,862,719,673,709.09 0.11 953,016,177,663.56 0.04 1,123,829,889,209.47 0.06 1,195,942,199,397.88 0.08 30. MALUKU 524,086,278,336.88 0.03 959,192,107,230.57 0.06 1,012,162,473,294.66 0.05 1,285,590,696,810.45 0.07 1,114,925,169,755.72 0.07 31. MALUKU UTARA 439,777,819,233.64 0.03 431,793,359,211.90 0.03 599,254,266,006.82 0.03 750,091,487,535.22 0.04 322,259,081,282.99 0.02 32. PAPUA BARAT 2,007,854,855,238.31 0.13 1,739,199,010,115.30 0.10 2,183,436,883,141.29 0.10 2,256,365,201,277.70 0.12 1,484,313,874,916.94 0.10 33. PAPUA 1,769,325,862,068.80 0.12 3,213,345,030,423.17 0.19 3,525,999,071,439.34 0.16 3,537,140,258,687.55 0.18 2,534,774,737,793.41 0.17
T O T A L 1,498,172,604,363,110.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00
Province U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2013
National Aggregate Exposure By Province
As At 31/12/2013
16
Tab le 3.1
in IDR
Amount
%
Amount
%
Amount
%
Amount
%
Amount
%
BANDA ACEH
1.1
1,417,072,712.58
0.08
6,052,652,471.70
0.29
7,255,283,677.40
0.26
7,222,634,442.36
0.27
1,876,125,966.34
0.08
MEDAN
1.2
51,185,282,243.67
2.87
47,694,856,535.17
2.25
54,409,517,677.59
1.93
48,862,458,598.50
1.85
47,470,035,347.05
2.11
OTHERS
1.3
25,113,178,212.06
1.41
84,303,208,486.81
3.98
132,714,846,444.47
4.72
51,391,674,182.38
1.95
53,021,393,177.42
2.35
NORTH SUMATERA
1
77,715,533,168.31
4.36
138,050,717,493.68
6.52
194,379,647,799.46
6.91
107,476,767,223.24
4.07
102,367,554,490.81
4.54
PADANG
2.1
55,219,858,862.98
3.10
32,787,018,327.39
1.55
29,672,218,673.28
1.05
34,718,172,040.87
1.32
28,255,964,044.93
1.25
PALEMBANG
2.2
20,557,505,604.64
1.15
19,390,704,938.80
0.92
14,170,766,026.76
0.50
17,745,023,029.29
0.67
15,272,615,737.99
0.68
OTHERS
2.3
107,746,518,371.25
6.05
108,790,148,304.87
5.14
136,225,529,970.59
4.84
155,580,074,816.85
5.90
132,446,615,493.93
5.88
SOUTH SUMATERA
2
183,523,882,838.87
10.30
160,967,871,571.06
7.60
180,068,514,670.63
6.40
208,043,269,887.01
7.89
175,975,195,276.85
7.81
JAKARTA
3.1
380,661,764,961.81
21.37
433,838,945,361.89
20.49
670,294,749,377.10
23.82
597,496,337,775.91
22.65
480,639,304,868.08
21.33
BANDUNG
3.2
9,459,548,591.92
0.53
8,241,042,107.75
0.39
9,925,855,037.47
0.35
16,346,322,621.77
0.62
9,253,434,406.79
0.41
OTHERS
3.3
490,396,344,017.30
27.53
778,819,138,104.48
36.79
831,881,258,643.28
29.57
933,626,192,032.78
35.40
871,873,340,555.08
38.69
WEST JAVA
3
880,517,657,571.03
49.43
1,220,899,125,574.12
57.67
1,512,101,863,057.85
53.74
1,547,468,852,430.46
58.67
1,361,766,079,829.95
60.43
SEMARANG
4.1
1,630,075,740.43
0.09
11,636,480,141.95
0.55
7,986,696,304.55
0.28
8,672,780,148.03
0.33
5,776,899,271.91
0.26
YOGYAKARTA
4.2
11,355,540,884.66
0.64
13,009,093,100.49
0.61
15,306,087,732.00
0.54
14,158,560,333.40
0.54
9,058,807,475.39
0.40
OTHERS
4.3
92,892,991,937.23
5.22
71,914,369,548.34
3.40
146,336,964,251.09
5.20
125,917,963,978.07
4.77
139,426,804,086.30
6.19
CENTRAL JAVA
4
105,878,608,562.32
5.94
96,559,942,790.78
4.56
169,629,748,287.64
6.03
148,749,304,459.50
5.64
154,262,510,833.60
6.85
SURABAYA
5.1
64,605,479,640.86
3.63
111,165,624,462.33
5.25
110,736,921,265.02
3.94
64,315,389,336.26
2.44
47,327,888,992.84
2.10
OTHERS
5.2
252,592,857,376.12
14.18
175,291,433,945.79
8.28
360,797,370,514.87
12.82
278,794,873,073.98
10.57
205,409,617,742.54
9.11
EAST JAVA
5
317,198,337,016.98
17.81
286,457,058,408.12
13.53
471,534,291,779.89
16.76
343,110,262,410.24
13.01
252,737,506,735.38
11.21
KALIMANTAN
6
95,003,197,846.87
5.33
68,421,769,079.24
3.23
103,407,997,618.94
3.68
93,281,731,655.46
3.54
63,267,873,205.97
2.81
UJUNG PANDANG
7.1
15,784,660,581.79
0.89
8,854,097,129.22
0.42
9,472,089,957.48
0.34
10,180,538,141.67
0.39
10,045,389,554.70
0.45
OTHERS
7.2
45,867,830,532.43
2.58
67,397,860,804.36
3.18
93,706,804,774.37
3.33
83,397,545,342.92
3.16
38,972,531,461.51
1.73
SULAWESI
7
61,652,491,114.22
3.46
76,251,957,933.58
3.60
103,178,894,731.85
3.67
93,578,083,484.59
3.55
49,017,921,016.21
2.18
OTHER ISLANDS
8
59,693,943,993.32
3.35
69,386,595,565.18
3.28
79,220,234,241.25
2.82
95,983,978,029.04
3.64
94,187,025,984.69
4.18
1,781,183,652,111.92
100.00
2,116,995,038,415.76
100.00
2,813,521,192,187.51
100.00
2,637,692,249,579.54
100.00
2,253,581,667,373.46
100.00
U/Y 2013
As At 31/12/2013
National Gross Premium By Cresta Zone
T O T A L
U/Y 2012
Cresta Zone
U/Y 2011
17
National Gross Premium By Cresta Zone
As at 31 December 2013
18
Amount
%
Amount
%
Amount
%
Amount
%
Amount
%
AGRICULTURAL
A
13,095,781,279.76
0.74
20,834,909,822.51
0.98
23,859,568,585.79
0.85
29,495,080,565.50
1.12
25,809,418,913.31
1.15
COMMERCIAL
C
407,938,463,183.32
22.90
434,873,303,188.34
20.54
751,463,850,410.72
26.71
639,792,774,091.18
24.26
516,779,372,316.74
22.93
INDUSTRIAL
I
1,124,194,092,797.97
63.12
1,298,122,018,196.63
61.32
1,695,522,780,815.87
60.26
1,623,301,316,255.03
61.54
1,419,749,972,719.76
63.00
RESIDENTIAL
R
235,955,314,850.89
13.25
363,164,807,208.27
17.15
342,674,992,375.10
12.18
345,103,078,667.81
13.08
291,242,903,423.65
12.92
1,781,183,652,111.94
100.00
2,116,995,038,415.75
100.00
2,813,521,192,187.48
100.00
2,637,692,249,579.52
100.00
2,253,581,667,373.46
100.00
T O T A L
U/Y 2011
U/Y 2012
U/Y 2013
in IDR
U/Y 2009
U/Y 2010
Tab le 3.2
Occupation
As At 31/12/2013
19
( In Billion IDR )
Agricultural, 23.86 Commercial,
751.46
Industrial, 1,695.52
Residential, 342.67
Agricultural, 29.50
Commercial, 639.79 Industrial, 1,623.30
Residential, 345.10
Agricultural, 25.81 Commercial, 516.78
Industrial, 1,419.75
Residential, 291.24
2010
National Gross Premium By Occupation
As at 31 December 2013
Agricultural, 13.10
Commercial, 407.94 Industrial,
1,124.19
Residential, 235.96
UY 2009
Agricultural, 20.83 Commercial,
434.87
Industrial, 1,298.12
Residential, 363.16
