PER 31 DESEMBER 2019

KCOB Keterangan Premi Reasuransi Pencairan. Cad. Premi cad premi

1 ASKES 20,800,803,074 2,200,926,113 1,705,823,330
 Estimasi klaim
Pendapatan Premi Klaim Reasuransi Premi Retrosesi retensi sendiri KCOB
21,295,905,857 11,078,950,197 2,379,979,693 8.20% 1
PER 31 DESEMBER 2018

Keterangan Premi Reasuransi Pencairan. Cad. Premi cad premi Pendapatan Premi
ASKES 25,228,344,129 4,697,123,404 2,200,926,113 27,724,541,420
 PER 31 DESEMBER 2017

Estimasi klaim
Klaim Reasuransi Premi Retrosesi retensi sendiri KCOB Keterangan
12,508,220,067 2,699,739,214 8.72% 1 ASKES
DESEMBER 2017

Premi Reasuransi Pencairan. Cad. Premi CAd premi Pendapatan Premi

24,620,139,365 7,062,173,068 4,697,123,404 26,985,189,029
 PER 31 DESEMBER 2016

Estimasi klaim
Klaim Reasuransi Premi Retrosesi retensi sendiri Keterangan Premi Reasuransi
17,798,112,763 - 19.08% ASKES 25,072,902,574
Pencairan. Cad. Premi Cadangan Premi Pendapatan Premi Klaim Reasuransi Premi Retrosesi
9,770,973,312 7,062,173,068 27,781,702,818 11,338,658,670 -
 31 Desember 2015

Estimasi klaim retensi sendiri Keterangan Premi Reasuransi

12.00% ASKES 22,403,828,113
Pencairan. Cad. Premi Cadangan Premi Pendapatan Premi Klaim Reasuransi Premi Retrosesi
9,770,973,312 12,632,854,801 8,234,562,768 -
 PENDAPATAN PREMI

Estimasi klaim retensi sendiri Keterangan 11/30/2019 11/30/2018

29.13% ASKES 21,295,905,857 27,724,541,420
 KLAIM REASURANSI

11/30/2017 11/30/2016 Keterangan 11/30/2019

26,985,189,029 27,781,702,818 ASKES 11,078,950,197
 RASIO

11/30/2018 11/30/2017 11/30/2016 Keterangan 11/30/2019 11/30/2018

12,508,220,067 17,798,112,763 11,338,658,670 ASKES 52.02% 45.12%
 LOSS RASIO 3 TAHUN CADANGAN KLAIM IBNR

RATA-RATA
11/30/2017 11/30/2016 KCOB Keterangan RASIO Keterangan
65.96% 40.81% 1 ASKES 54.00% ASKES
GAN KLAIM IBNR
IBNR BRUTO

Pendapatan Premi Rasio Expected Realisasi Klaim IBNR PAD

21,295,905,857 54.00% 11,499,789,163 11,078,950,197 420,838,965 21,041,948
R BRUTO IBNR NETO

IBNR BRUTO Real Premi Retrosesi % Retro % OR IBNR

441,880,914 2,379,979,693 12.00% 88.00% 370,338,289
IBNR NETO
Cadangan Klaim Bruto

PAD IBNR NETO COB IBNR Bruto Case Reserve

18,516,914 388,855,204 ASKES 441,880,914 7,578,994,356
 Cadangan Klaim Neto

Cadangan Klaim Bruto COB IBNR Neto Case Reserve Cadangan Klaim Neto
8,020,875,269 ASKES 388,855,204 7,578,994,356 7,967,849,560
 Tugas IBNR - Endah Meisya Indriani

DATA M HULL 2019

Premi Asuransi Netto 132,864,340,369
Pencairan. Cad. Premi 3,442,810,265
Cad. Premi 5,312,609,636
Pendapatan Premi 130,994,540,998
Klaim Asuransi 59,723,727,762
Premi Reasuransi 50,074,113,942
Estimasi klaim
retensi sendiri -

Case Reserve Gross 31,966,716,805

Case Reserve Netto 22,272,407,786

TUGAS
1 HITUNG IBNR GROSS DAN NETTO PER 30 DES 2019
2,HITUNG CADANGAN KLAIM GROSS DAN NETTO PER 31 DES

CATATAN : CADANGAN KLAIM GROSS = IBNR GROSS + CASE R

CADANGAN KLAIM NETTO = IBNR NETTO + CASE R
PAD = 5%

1. Mencari Rasio
RASIO
Keterangan 11/30/2019 11/30/2018 11/30/2017
MARINE HULL 45.59% 23.79% 20.79%

2. Mencari LOSS RATIO 3 TAHUN

LOSS RATIO 3 TAHUN
KCOB Keterangan RATA - RATA RASIO
1 MARINE HULL 30.00%

3. Mencari CADANGAN KLAIM IBNR

CADANGAN KLAIM IBNR Per 30 Des 2019
Keterangan Pendapatan Premi Rasio Expected
MARINE HULL 130,994,540,998 30.00% 39,298,362,299.35

4. Mencari Cadangan Klaim Bruto

Cadangan Klaim Bruton Per 31 Des 2019
COB IBNR Bruto Case Reserve Cadangan Klaim Bruto
1 - 31,966,716,805 31,966,716,805
5. Mencari Cadangan Klaim Netto
Cadangan Klaim Netto Per 31 Des 2019
COB IBNR Netto Case Reserve Cadangan Klaim Netto
1 - 22,272,407,786 22,272,407,786
 IDR
2018 2017 2016
96,721,387,284 83,529,593,116 69,674,603,859
8,065,389,236 6,015,173,303 4,365,213,501
3,442,810,265 8,065,389,236 6,015,173,303
101,343,966,255 81,479,377,183 68,024,644,058
24,113,649,625 16,941,826,822 39,056,189,710
28,344,900,925 10,706,091,603 9,392,408,691
- - -

- - -
- - -

AS
PER 30 DES 2019
DAN NETTO PER 31 DES 2019

S = IBNR GROSS + CASE RESERVE GROSS

O = IBNR NETTO + CASE RESERVE NETTO

11/30/2016
57.41%

IBNR BRUTO
Realisasi Klaim IBNR PAD IBNR BRUTO
59,723,727,762 - - -
 IBNR NETTO
Real Premi Retrosesi % Retro % OR IBNR PAD
50,074,113,942 0.38 0.62 - -
IBNR NETTO
IBNR NETTO
-