Statistik Asuransi Indonesia / Indonesia Insurance Statistics

Desember 2019
Pertanyaan : Enquiries :
Untuk informasi lebih lanjut mengenai statistik dalam publikasi ini : For more information about the statistics in this publication:

Direktorat Statistik dan Informasi IKNB Directorate Of Statistics and Information NBFI
Gedung Wisma Mulia 2 Lantai 11 Gedung Wisma Mulia 2 Lantai 11
Jalan Jend. Gatot Subroto No. 42 Jalan Jend. Gatot Subroto No. 42
Jakarta Selatan Jakarta Selatan

Email : statistics@ojk.go.id Email : statistics@ojk.go.id

Daftar Isi / Table of Contents

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Jiwa Konvensional/ Conventional Life Insurance 1

Asuransi Umum Konvensional / Conventional General Insurance 2

Reasuransi Konvensional/ Conventional Reinsurance 3

Asuransi Wajib / Mandatory Insurance 4

Asuransi Sosial / Social Insurance 5

Laporan Laba Rugi Komprehensif / Comprehensive Income Statement

Asuransi Jiwa Konvensional/ Conventional Life Insurance 6

Asuransi Umum Konvensional / Conventional General Insurance 7

Reasuransi Konvensional/ Conventional Reinsurance 8

Asuransi Wajib / Mandatory Insurance 9

Asuransi Sosial / Social Insurance 10

 Januari/January Februari/February Maret/March April/April Mei/May Juni/June Juli/July Agustus / August September/September Oktober/October November/November Desember /December Account
Total Investasi 1,060,318,398 1,059,355,591 1,074,915,776 1,072,098,404 1,069,568,667 1,096,719,339 1,104,193,341 1,102,863,854 1,103,037,252 1,115,736,336 1,114,384,583 1,141,837,227 Total Investment
Total Bukan Investasi 173,424,363 173,503,666 174,251,707 183,095,170 182,634,630 185,669,780 185,883,085 187,008,787 186,234,113 72,167,791 186,420,397 183,908,989 Total Non Investment
Total Aset 1,233,742,761 1,232,859,257 1,249,167,483 1,255,193,574 1,252,203,296 1,282,389,119 1,290,076,426 1,289,872,641 1,289,271,365 733,569,575 1,300,804,980 1,325,746,216 Total Assets

Total Liabilitas 745,316,883 742,988,901 753,834,328 762,431,941 760,014,804 772,950,914 779,875,388 780,854,175 782,909,187 760,430,021 785,658,411 799,475,527 Total Liabilities
Total Pinjaman Subordinasi 1,548,573 1,550,595 1,549,900 1,546,411 1,593,785 1,593,324 1,592,817 1,549,610 1,544,229 109,069,143 1,479,342 1,636,971 Total Subordinate Loan
Total Ekuitas 486,877,305 488,319,761 493,783,255 491,215,221 490,594,708 507,844,880 508,608,222 507,468,856 504,817,948 451,352,047 513,667,227 524,633,719 Total Equities

Premi* 36,052,393 71,086,993 110,251,087 148,466,724 185,991,659 221,141,323 263,421,902 303,442,511 342,509,683 380,139,505 432,621,356 478,652,119 Premium
Klaim 27,662,120 54,198,081 83,643,587 115,581,440 147,589,386 168,479,857 201,575,160 232,297,593 261,928,112 295,902,802 322,660,195 358,023,472 Claims

*Premi merupakan Total Premi Penutupan Langsung dan Premi Penutupan Tidak Langsung
disajikan dalam satuan Jutaan Rupiah/In Million Rupiah
 Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/ Account
January February March April May June July August September October November December
Rasio Asuransi Jiwa

Rasio Kecukupan Premi terhadap Pembayaran Klaim 126.3% 121.8% 121.7% 116.6% 115.4% 117.2% 119.3% 119.3% 120.7% 117.9% 122.4% 120.9% Premium Adequacy to Claim Paid Ratio

Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 112.7% 108.3% 108.2% 104.0% 103.0% 104.2% 106.2% 106.4% 107.6% 105.4% 109.5% 107.9% Premium Adequacy to Claim Paid and General Expenses Ratio

Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 198.5% 145.4% 149.2% 136.6% 122.5% 138.0% 136.8% 131.1% 129.5% 129.0% 129.9% 135.2% Premium and Investment Yield Adequacy to Claim Paid Ratio

Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 177.1% 129.3% 132.7% 121.8% 109.3% 122.7% 121.8% 116.9% 115.4% 115.4% 116.1% 120.6% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio

Rasio Sesi Asuransi 4.5% 4.4% 4.1% 3.9% 3.7% 3.7% 3.5% 3.3% 3.3% 3.3% 3.2% 3.2% Cession Ratio

Rasio Investasi terhadap Cadangan Teknis 112.7% 113.1% 113.2% 111.6% 111.8% 112.4% 112.0% 112.4% 111.9% 112.4% 111.7% 112.4% Investment to Gross Technical Reserve Ratio

Rasio Asuransi Umum

Rasio Kecukupan Premi terhadap Pembayaran Klaim 255.9% 235.8% 237.9% 237.8% 228.4% 247.6% 237.7% 234.7% 230.9% 222.4% 227.7% 221.1% Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 189.2% 172.3% 177.2% 177.7% 169.2% 179.3% 173.4% 171.3% 169.5% 163.9% 167.2% 163.7% Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 267.5% 248.5% 250.3% 249.6% 240.1% 260.4% 251.1% 247.9% 243.6% 235.3% 240.4% 233.1% Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 197.8% 181.6% 186.4% 186.5% 177.9% 188.6% 183.2% 180.9% 178.8% 173.4% 176.6% 172.6% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 38.3% 37.9% 40.0% 42.3% 42.1% 44.9% 43.7% 43.8% 42.1% 41.6% 41.4% 42.9% Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 117.7% 118.6% 120.6% 116.9% 117.3% 117.5% 117.5% 116.3% 115.4% 101674.6% 115.3% 117.9% Investment to Gross Technical Reserve Ratio

Rasio Reasuransi
Rasio Kecukupan Premi terhadap Pembayaran Klaim 269.8% 272.6% 268.7% 259.2% 251.8% 258.9% 252.5% 254.6% 238.1% 230.8% 226.9% 223.0% Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 251.1% 253.2% 250.9% 242.2% 234.1% 239.5% 234.5% 236.5% 222.0% 215.4% 211.9% 207.8% Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 283.9% 282.6% 279.1% 268.9% 260.5% 268.6% 261.5% 263.3% 246.1% 238.7% 234.6% 230.8% Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 264.2% 262.5% 260.6% 251.2% 242.2% 248.5% 243.0% 244.5% 229.5% 222.8% 219.0% 215.0% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 33.9% 39.1% 40.3% 42.4% 43.6% 42.7% 43.1% 44.7% 43.3% 41.7% 41.0% 40.6% Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 98.4% 94.3% 95.3% 96.7% 99.7% 101.6% 101.6% 96.9% 100.7% 5155.6% 103.6% 106.5% Investment to Gross Technical Reserve Ratio
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Jiwa Konvensional/ Conventional Life Insurance

Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Deposito Berjangka 35,229,961.4 34,928,581.4 34,507,894.2 32,377,273.7 33,762,209.4 35,226,104.7 33,930,159.6 35,544,281.1 32,668,344.7 32,420,592.4 32,780,545.3 34,289,864.5 Time Deposit
2 Sertifikat Deposito 30,000.0 39,261.6 39,317.9 39,374.2 39,430.4 39,486.7 31,961.5 143,308.5 9,655.6 9,711.9 9,768.2 9,824.5 Certificate Of Deposit
3 Saham 146,196,560.1 141,990,843.1 144,574,345.5 145,606,859.3 140,577,327.6 147,060,626.0 146,531,419.3 141,289,740.4 139,234,208.9 142,027,710.2 141,023,425.2 147,685,630.6 Stocks
4 Obligasi Korporasi 26,317,982.7 27,942,088.6 26,689,254.5 24,315,363.4 24,441,260.6 26,919,632.9 27,742,737.1 27,327,227.1 27,663,548.0 27,733,992.1 28,439,343.9 27,335,463.1 Bonds
5 MTN 2,615,198.1 1,468,310.0 2,960,762.7 3,177,389.2 3,215,215.3 3,249,389.9 4,024,640.4 3,234,171.5 3,882,540.8 3,904,029.8 4,486,664.2 7,993,759.2 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 63,402,882.1 65,037,636.4 66,227,190.8 65,616,650.6 66,425,401.4 69,231,051.8 70,361,564.0 70,732,766.0 71,532,568.7 72,667,899.7 73,420,120.7 74,243,082.6 Marketable Securities Issued By Republic Indonesia
7 Surat Berharga yang Diterbitkan oleh Negara Selain Negara RI 878,500.5 865,560.0 527,169.4 383,070.1 267,038.3 246,290.6 244,007.7 268,128.2 260,790.1 255,079.9 254,746.7 245,175.4 Marketable Securities Issued By other than Republic Indonesia
8 Surat Berharga yang Diterbitkan oleh Bank Indonesia 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 - Marketable Securities Issued By Bank Indonesia
9 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 - Marketable Securities Issued By Multinational Institution
10 Reksa Dana 171,085,301.1 170,733,022.9 171,789,835.0 171,579,579.1 168,471,289.2 168,406,861.7 168,272,253.7 168,332,448.5 167,145,747.3 168,802,742.3 165,893,665.1 166,074,500.4 Mutual Fund
11 Efek Beragun Aset 207,770.5 208,882.0 204,480.4 203,111.8 202,333.5 196,968.3 195,614.0 182,528.7 431,121.3 431,656.2 448,380.5 435,815.9 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat 7,347.3 7,806.5 46,453.7 44,478.1 46,254.5 47,720.2 51,037.6 51,037.6 51,037.6 51,736.1 56,462.8 47,509.4 Real Estate Investment Fund
13 REPO 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 - Repurchase Order
14 Penyertaan Langsung 7,776,234.1 7,722,755.4 7,621,826.6 7,399,318.6 7,384,748.3 7,533,344.5 7,502,164.9 7,746,514.8 9,416,791.6 9,458,610.2 9,348,480.4 9,850,127.4 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 15,524,009.5 15,543,354.2 15,562,682.0 15,580,325.6 15,599,670.3 15,566,234.7 15,681,781.4 15,701,062.5 15,705,829.1 15,724,086.3 15,699,000.2 16,122,929.3 Buildings With Strata Title or Real Estate For Investment
16 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 345,100.8 320,100.8 320,100.8 320,100.8 345,100.8 320,100.8 320,100.8 320,100.8 320,100.8 320,100.8 320,100.8 320,100.8 Executing
17 Emas Murni 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 - Gold
18 Pinjaman yang Dijamin dengan Hak Tanggungan 162,751.1 169,424.1 168,056.6 175,446.4 165,113.1 165,443.1 168,215.9 170,513.2 170,978.2 170,309.8 101,363.8 100,870.3 Mortgage
19 Pinjaman Polis* 2,143,558.1 2,137,509.5 2,135,808.4 2,089,393.9 2,131,247.2 2,149,896.9 2,139,535.8 2,144,577.4 2,167,791.8 2,181,114.3 2,203,405.0 2,185,069.5 Policy Loan
20 Obligasi Daerah** 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 -
21 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif ** 263.6 0.0 0.0 30,000.0 55,000.0 85,000.0 85,000.0 85,000.0 85,000.0 85,000.0 85,000.0 155,000.0
22 Investasi Lain 638,656.8 659,066.7 671,784.6 717,800.1 796,888.4 823,624.3 881,930.1 908,212.5 947,011.1 986,774.3 1,011,061.8 1,088,884.9 Other Investment
23 Jumlah Investasi 472,562,077.9 469,774,203.3 474,046,963.3 469,655,534.9 463,925,528.3 477,267,777.1 478,164,123.9 474,181,618.9 471,693,065.7 477,231,146.3 475,581,534.6 488,183,607.8 Total Investment
24 Kas dan Bank 8,960,026.7 8,893,623.3 9,451,719.4 9,558,782.0 13,804,687.9 14,114,548.8 14,839,222.1 15,400,234.0 15,704,842.1 14,536,301.8 14,764,632.0 13,711,618.3 Cash and Bank
25 Tagihan Premi Penutupan Langsung 4,759,757.3 4,456,002.2 4,186,803.7 4,778,048.4 4,084,367.0 4,182,311.2 3,776,177.9 3,640,133.5 3,442,669.0 3,458,974.5 3,154,781.5 3,180,145.7 Premium Receivable
26 Tagihan Premi Reasuransi 1,030.6 1,287.5 1,915.4 1,881.0 294,378.6 1,763.7 2,027.1 2,428.5 2,019.7 1,715.7 1,912.3 1,427.3 Reinsurance Premium Receivable
27 Aset Reasuransi 3,748,757.7 3,853,178.2 3,942,691.8 3,939,529.0 3,580,403.3 3,642,473.1 3,581,095.9 3,538,515.0 3,662,714.5 3,654,988.1 3,665,752.3 3,688,313.3 Reinsurance Asset
28 Tagihan Klaim Koasuransi 59,200.0 58,663.2 16,389.1 65,806.8 85,671.9 80,055.7 88,674.8 96,960.8 108,383.2 122,680.4 122,597.5 115,728.4 Coinsurance Claim Receivable
29 Tagihan Klaim Reasuransi 2,342,348.0 2,483,691.5 2,423,829.0 2,654,371.2 2,995,643.5 3,083,641.2 2,976,784.7 3,137,889.9 3,133,590.7 3,444,101.5 3,454,584.8 3,180,275.1 Reinsurance Claim Receivable
30 Tagihan Investasi 660,861.3 323,788.3 685,925.1 1,284,152.9 1,316,961.0 885,596.3 264,191.8 410,592.6 189,925.8 446,286.5 466,457.9 336,784.8 Investment Receivable
31 Tagihan Hasil Investasi 3,583,024.6 3,527,348.1 3,484,587.4 3,628,565.6 3,749,951.2 3,775,120.7 3,590,501.8 3,694,542.2 3,568,540.0 3,794,765.3 3,405,072.6 3,372,789.5 Investment Yield Receivable
32 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 4,963,819.7 5,102,171.5 5,282,045.1 5,303,203.3 5,256,487.6 5,260,886.7 5,223,833.3 5,211,985.8 5,205,976.3 5,362,880.2 5,417,212.0 5,302,350.9 Property
33 Biaya Akuisisi yang Ditangguhkan 113,529.4 120,293.4 131,799.3 135,741.6 141,147.5 168,125.7 183,173.4 195,407.3 207,887.9 247,121.2 256,101.4 279,128.3 Deferred Acquisition Cost
34 Aset Tetap Lain 1,939,283.2 1,995,611.2 2,117,862.7 2,199,769.2 2,241,727.2 2,243,346.7 2,249,469.8 2,207,618.7 2,218,476.8 2,261,910.7 2,231,142.0 2,332,851.8 Other Fixed Assets
35 Aset Lain 28,057,344.5 28,229,584.7 28,979,434.6 29,726,149.0 29,665,628.0 30,119,464.9 29,655,328.9 30,276,914.2 30,180,209.6 31,486,763.9 31,365,043.5 29,529,481.6 Other Assets
36 Jumlah Bukan Investasi 59,188,983.2 59,045,243.2 60,705,002.6 63,276,000.0 67,217,054.6 67,557,334.6 66,430,481.6 67,813,222.7 67,625,235.8 68,818,489.8 68,305,289.8 65,030,894.9 Total Non Investment
37 JUMLAH ASET 531,751,061.1 528,819,446.6 534,751,965.9 532,931,534.9 531,142,582.9 544,825,111.7 544,594,605.5 541,994,841.7 539,318,301.5 546,049,636.1 543,886,824.5 553,214,502.7 Total Assets
38 Utang Klaim 11,161,370.5 11,598,199.9 12,799,728.9 14,481,862.1 15,599,243.5 16,740,631.4 16,358,097.3 18,824,240.9 17,427,224.9 18,986,105.1 19,485,029.2 20,571,855.4 Claims Payable
39 Utang Koasuransi 70,090.8 68,241.7 23,633.9 70,844.4 72,716.8 33,118.0 35,036.8 65,874.4 28,243.5 35,562.0 38,593.7 89,807.1 Coinsurance Payable
40 Utang Reasuransi 3,016,043.4 3,262,855.1 3,285,620.6 3,418,825.1 3,573,791.7 3,428,575.7 3,333,706.1 3,524,714.7 3,479,565.5 3,687,267.4 3,578,122.4 3,195,076.5 Reinsurance Payable
41 Utang Komisi 1,649,411.6 1,689,858.7 1,679,820.9 1,497,136.8 1,368,041.5 1,597,142.1 1,594,890.3 1,727,067.3 1,851,755.7 1,812,608.2 1,823,194.0 1,976,260.3 Commission Payable
42 Utang Pajak 1,004,221.5 1,020,041.6 1,039,401.9 545,562.7 590,715.7 599,598.7 740,876.9 926,512.9 1,021,919.8 1,270,619.0 659,323.2 643,498.4 Tax Payable
43 Biaya yang Masih Harus Dibayar 5,199,338.6 5,188,664.5 4,928,015.7 4,611,712.1 4,442,679.4 4,499,347.1 4,509,194.3 4,820,115.4 4,928,128.5 5,444,915.7 5,147,190.8 5,443,433.5 Accrued Expense
44 Utang Lain 16,773,161.4 16,018,684.0 17,225,852.8 17,856,024.2 17,150,549.4 17,607,172.6 15,940,974.5 16,725,081.9 15,552,860.1 16,776,338.0 17,293,189.7 16,487,370.0 Others Payable
45 Jumlah Utang 38,873,637.8 38,846,545.6 40,982,074.8 42,481,967.3 42,797,738.0 44,505,585.7 42,512,776.2 46,613,607.5 44,289,697.9 48,013,415.4 48,024,643.0 48,407,301.3 Total Payable
46 Cadangan Premi 409,986,404.6 406,043,526.7 409,966,448.7 411,636,106.1 406,313,643.7 415,700,706.1 418,020,281.6 413,247,319.8 412,907,582.6 416,098,418.4 417,548,090.6 425,519,136.4 Premium Reserve
47 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 4,091,959.4 4,088,105.1 3,966,478.5 4,330,440.2 4,134,162.0 4,021,322.2 4,169,860.0 3,929,155.2 3,759,275.2 3,561,555.2 3,304,272.9 3,121,449.8 Unearned Premium Reserve
48 Cadangan Klaim 5,132,755.7 5,016,377.7 4,699,688.9 4,639,884.9 4,613,553.7 4,685,000.7 4,745,574.4 4,751,072.0 4,805,582.1 4,896,546.6 5,030,050.4 5,403,211.5 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 109,342.3 43,579.3 43,889.5 43,696.3 44,788.9 44,669.2 47,118.1 46,721.5 46,241.1 47,180.0 48,674.7 102,061.4 Catastrophic Reserve
50 Jumlah Cadangan Teknis 419,320,462.1 415,191,588.8 418,676,505.6 420,650,127.4 415,106,148.4 424,451,698.2 426,982,834.1 421,974,268.5 421,518,680.9 424,603,700.2 425,931,088.6 434,145,859.1 Total Technical Reserve
51 Jumlah Liabilitas 458,194,099.9 454,038,134.4 459,658,580.3 463,132,094.7 457,903,886.3 468,957,283.8 469,495,610.3 468,587,876.0 465,808,378.8 472,617,115.6 473,955,731.5 482,553,160.3 Total Liabilities
52 Pinjaman Subordinasi 537,614.1 539,684.2 538,517.1 537,678.3 537,678.3 537,678.3 537,678.3 536,656.3 536,522.1 536,522.3 536,522.3 536,522.3 Subordinate Loan
53 Modal Disetor 26,892,212.0 27,412,212.0 27,520,662.0 27,530,662.0 27,530,662.0 27,530,662.0 27,610,662.0 27,640,662.0 27,747,562.0 27,752,562.0 27,752,562.0 27,832,562.0 Paid in Capital
54 Agio Saham 19,774,943.0 19,774,939.2 19,775,008.8 19,774,641.0 19,774,742.7 19,775,090.2 19,774,742.7 19,774,742.7 19,669,742.7 19,914,859.0 19,914,859.0 19,944,859.0 Premium Stock
55 Saldo Laba 26,232,641.4 25,922,283.3 24,743,593.8 19,403,732.9 17,725,322.7 17,430,931.9 15,636,399.7 13,460,973.3 13,820,705.2 13,256,263.6 9,972,774.4 9,985,030.9 Retained Earning
56 Komponen Ekuitas Lainnya 119,550.6 1,132,193.6 2,515,603.9 2,552,726.1 7,670,290.9 10,593,465.5 11,539,512.6 11,993,931.4 11,735,390.7 11,972,313.6 11,754,375.3 12,362,368.3 Other Equity Components
57 Jumlah Ekuitas 73,019,347.0 74,241,628.0 74,554,868.5 69,261,761.9 72,701,018.3 75,330,149.5 74,561,317.0 72,870,309.4 72,973,400.6 72,895,998.2 69,394,570.7 70,124,820.1 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 531,751,061.1 528,819,446.6 534,751,965.9 532,931,534.9 531,142,582.9 544,825,111.7 544,594,605.5 541,994,841.7 539,318,301.5 546,049,636.1 543,886,824.5 553,214,502.7 Total Liabilities and Equities

* Pinjaman Polis dikategorikan menjadi instrumen investasi sejak Agustus 2017 berdasarkan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
** Penambahan jenis investasi "Obligasi Daerah" dan "Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif" berdasarkan POJK nomor 27/POJK.05/2018
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Umum Konvensional/Conventional General Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
Akun January February March April May June July August September October November December Account
1 Deposito Berjangka 27,251,295.4 26,557,526.6 27,746,108.5 26,589,787.8 26,259,195.6 26,562,544.0 27,330,972.8 26,674,105.8 26,414,543.1 26,123,369.0 26,035,003.4 26,619,578.7 Time Deposit
2 Sertifikat Deposito 236,588.6 225,573.6 232,371.6 217,128.1 217,383.1 221,017.1 244,870.6 249,998.1 250,840.6 245,775.6 252,285.6 243,283.1 Certificate Of Deposit
3 Saham 3,987,566.3 3,932,740.2 4,115,138.5 4,205,056.5 4,226,613.6 4,137,066.2 4,413,881.5 4,512,659.2 4,495,930.2 4,452,469.0 4,484,259.6 4,542,814.7 Stocks
4 Obligasi Korporasi 7,738,972.7 7,837,706.4 8,080,057.5 8,295,493.9 8,467,811.8 8,518,757.0 8,581,958.3 8,484,285.8 8,450,129.8 8,648,754.8 8,616,020.6 8,539,972.3 Bonds
5 MTN 77,312.0 77,311.9 75,410.0 77,311.6 72,811.5 72,811.4 63,818.3 70,842.5 73,716.4 72,714.5 63,712.7 88,710.9 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 9,712,859.6 9,682,774.3 10,261,625.9 10,325,133.9 10,329,311.5 10,451,172.0 10,490,352.5 10,601,947.4 10,591,846.4 10,801,537.0 11,167,153.3 11,357,582.0 Marketable Securities Issued By Republic Indonesia
7 Surat Berharga yang Diterbitkan oleh Negara Selain Negara RI - - - - - - - - - - - - Marketable Securities Issued By other than Republic Indonesia
8 Surat Berharga yang Diterbitkan oleh Bank Indonesia - - - - - - - - - - - - Marketable Securities Issued By Bank Indonesia
9 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional 2,500.0 2,500.0 2,500.0 2,500.0 2,500.0 2,500.0 2,500.0 2,500.0 2,500.0 2,500.0 2,500.0 2,500.0 Marketable Securities Issued By Multinational Institution
10 Reksa Dana 16,044,184.8 16,663,757.5 15,850,422.6 15,961,097.8 15,811,027.2 15,946,400.5 16,230,726.2 17,012,198.7 17,506,965.6 17,914,824.0 17,836,764.1 17,738,670.5 Mutual Fund
11 Efek Beragun Aset 18,953.9 18,946.7 18,444.3 17,874.8 17,866.8 17,005.8 15,309.9 15,290.4 14,577.7 13,942.3 43,838.8 43,074.9 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat - - 93,872.6 91,976.2 94,076.6 97,095.3 102,517.3 92,475.4 93,494.8 94,751.3 95,038.0 51,596.3 Real Estate Investment Fund
13 REPO - - - - - - - - - - - - Repurchase Order
14 Penyertaan Langsung 7,052,652.6 7,005,211.4 7,076,810.2 7,232,936.4 7,255,580.6 7,247,413.4 7,313,735.7 7,538,950.8 7,668,108.4 7,730,456.9 7,749,096.8 7,835,963.9 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 944,321.9 943,494.1 945,319.3 944,743.2 921,665.9 921,162.3 920,319.1 916,766.4 911,550.7 910,666.9 910,188.5 909,137.8 Buildings With Strata Title or Real Estate For Investment
16 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 230,010.8 230,010.8 230,010.8 230,010.8 230,010.8 230,010.8 230,010.8 229,010.8 226,000.0 226,000.0 181,000.0 181,000.0 Executing
17 Emas Murni 67.1 66.5 66.0 66.2 66.5 70.5 71.1 76.3 76.1 75.5 74.4 112.1 Gold
18 Pinjaman yang Dijamin dengan Hak Tanggungan 37,214.4 36,799.3 38,317.0 37,923.4 38,310.0 30,833.0 31,085.3 33,438.3 33,728.5 34,862.6 35,056.6 34,664.6 Mortgage
19 Pinjaman Polis* - - - - - - - - - - - - Policy Loan
20 Obligasi Daerah** - - - - - - - - - - - -
21 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif ** - - - - - - - - - - - -
22 Investasi Lain 235,293.4 230,926.4 230,923.6 232,608.1 230,224.9 230,178.1 229,860.7 229,414.6 229,148.6 228,856.3 228,880.4 228,370.8 Other Investment
23 Jumlah Investasi 73,569,793.5 73,445,345.7 74,997,398.4 74,461,648.8 74,174,456.5 74,686,037.4 76,201,990.1 76,663,960.5 76,963,156.9 77,501,556.0 77,700,872.9 78,417,032.6 Total Investment
24 Kas dan Bank 3,215,202.2 3,251,516.3 4,168,673.0 4,301,327.1 3,570,990.9 3,759,184.0 3,985,548.5 3,356,416.1 4,995,761.3 3,615,144.1 4,791,803.9 3,308,598.8 Cash and Bank
25 Tagihan Premi Penutupan Langsung 17,144,621.9 16,933,552.6 16,786,902.6 17,556,916.3 17,245,370.8 19,036,797.7 18,744,637.0 16,888,377.1 15,512,231.9 14,874,416.8 15,123,155.0 16,966,601.7 Premium Receivable
26 Tagihan Premi Reasuransi 2,398,083.7 2,301,105.2 2,302,228.4 2,303,266.5 2,280,514.7 2,264,439.8 2,202,817.4 2,281,506.0 2,281,780.3 2,444,449.3 2,338,907.2 2,185,720.2 Reinsurance Premium Receivable
27 Aset Reasuransi 33,420,274.1 33,090,945.7 32,807,927.7 33,807,201.0 33,850,810.0 33,956,821.1 35,074,657.9 36,125,818.1 36,038,064.6 36,198,647.8 36,414,191.4 37,013,659.8 Reinsurance Asset
28 Tagihan Klaim Koasuransi 1,124,061.0 1,171,863.8 1,071,072.5 1,050,284.9 1,046,792.2 1,353,636.8 1,132,041.1 1,202,149.8 1,139,528.2 995,895.5 993,671.8 993,193.3 Coinsurance Claim Receivable
29 Tagihan Klaim Reasuransi 3,363,847.6 3,475,969.3 3,484,908.6 3,420,561.3 3,378,341.5 3,231,775.1 3,586,573.7 3,528,313.7 3,525,106.1 3,479,030.8 3,492,479.3 3,762,039.5 Reinsurance Claim Receivable
30 Tagihan Investasi 14,302.7 3,193.2 43,601.1 53,511.2 3,085.7 9,094.5 7,063.4 2,112.5 2,071.1 23,810.6 15,382.1 512.2 Investment Receivable
31 Tagihan Hasil Investasi 400,729.5 414,035.8 350,600.6 412,357.9 379,831.2 376,612.4 412,739.4 451,647.6 343,723.6 466,548.9 407,522.1 496,427.8 Investment Yield Receivable
32 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 2,519,371.0 2,513,122.3 2,550,713.8 2,776,377.5 2,763,478.3 2,762,760.0 2,631,576.4 2,625,709.9 2,763,938.1 2,758,304.4 2,755,289.5 2,871,309.9 Property
33 Biaya Akuisisi yang Ditangguhkan 472,908.6 476,489.8 479,892.3 496,581.1 503,427.0 496,449.7 496,374.4 492,741.5 491,476.0 488,715.5 486,306.7 454,687.9 Deferred Acquisition Cost
34 Aset Tetap Lain 983,181.2 965,866.0 959,942.3 940,862.3 939,220.5 933,441.8 1,080,151.1 1,084,370.5 962,552.8 974,463.0 970,232.5 888,652.9 Other Fixed Assets
35 Aset Lain 8,696,162.2 8,767,341.3 8,187,740.7 8,168,818.5 8,480,866.0 8,596,113.1 8,604,801.5 8,682,151.5 8,931,038.0 9,003,569.9 10,924,200.4 10,574,884.3 Other Assets
36 Jumlah Bukan Investasi 73,752,745.7 73,365,001.4 73,194,203.5 75,288,065.6 74,442,728.8 76,777,126.0 77,958,981.9 76,721,314.2 76,987,272.1 75,322,996.6 78,713,141.8 79,516,288.2 Total Non Investment
37 JUMLAH ASET 147,322,539.2 146,810,347.1 148,191,601.9 149,749,714.4 148,617,185.2 151,463,163.4 154,160,972.1 153,385,274.7 153,950,429.0 152,824,552.5 156,414,014.8 157,933,320.8 Total Assets
38 Utang Klaim 2,361,417.4 1,949,760.8 2,256,528.5 2,001,009.5 1,722,004.4 1,767,981.6 2,174,919.0 2,076,801.5 2,653,738.8 2,097,422.2 2,474,473.3 2,087,365.6 Claims Payable
39 Utang Koasuransi 1,084,599.8 1,151,796.6 1,287,804.7 1,298,646.6 1,373,009.1 1,543,023.7 1,222,021.0 1,118,422.3 970,398.8 821,968.9 895,356.1 1,303,251.2 Coinsurance Payable
40 Utang Reasuransi 8,726,283.1 8,366,768.9 8,346,413.6 9,012,986.5 8,665,976.2 10,339,367.2 10,396,748.1 8,999,784.9 7,722,715.0 7,498,158.1 7,083,126.3 8,625,293.3 Reinsurance Payable
41 Utang Komisi 1,730,727.3 1,743,188.7 1,712,925.2 1,677,105.8 1,721,067.3 1,702,247.8 1,666,871.4 1,638,639.4 1,592,342.5 1,590,199.5 1,613,355.2 1,705,351.0 Commission Payable
42 Utang Pajak 412,393.4 379,790.9 458,952.7 301,810.6 292,060.9 400,786.7 382,235.7 402,512.5 415,025.5 450,759.4 459,164.9 518,952.7 Tax Payable
43 Biaya yang Masih Harus Dibayar 3,220,903.9 3,053,779.7 2,849,897.8 2,826,434.7 2,779,858.4 2,865,259.1 3,734,725.3 2,901,248.7 3,030,650.7 2,981,873.8 3,011,007.3 2,524,149.6 Accrued Expense
44 Utang Lain 11,383,732.3 11,322,226.0 11,826,519.1 11,636,803.4 11,488,519.7 11,103,528.8 10,909,864.3 10,925,683.9 10,994,394.5 11,027,672.0 10,988,844.3 11,448,895.5 Others Payable
45 Jumlah Utang 28,920,057.2 27,967,311.7 28,739,041.6 28,754,797.3 28,042,496.0 29,722,194.9 30,487,384.7 28,063,093.2 27,379,265.7 26,468,053.9 26,525,327.5 28,213,258.9 Total Payable
46 Cadangan Premi 10,169,175.0 9,543,485.2 9,590,873.9 10,390,430.6 10,555,276.5 10,391,763.4 10,890,931.5 11,033,293.5 11,319,911.3 11,533,654.4 13,657,197.3 11,510,114.2 Premium Reserve
47 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 21,748,298.2 22,030,320.3 22,242,204.0 22,309,506.6 22,058,240.2 21,448,639.5 21,859,440.5 21,033,675.6 21,800,102.1 20,369,045.2 19,932,890.0 21,325,197.7 Unearned Premium Reserve
48 Cadangan Klaim 30,499,616.5 30,291,497.7 30,256,613.1 30,909,853.4 30,534,478.4 31,435,384.8 31,992,103.5 33,105,107.5 33,476,359.3 34,117,247.6 33,735,148.0 33,592,601.7 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 71,861.4 74,784.2 74,013.5 88,445.0 86,488.6 293,696.8 82,708.5 764,187.0 83,569.7 76,225.1 89,048.8 92,583.3 Catastrophic Reserve
50 Jumlah Cadangan Teknis 62,488,951.0 61,940,087.5 62,163,704.4 63,698,235.6 63,234,483.7 63,569,484.5 64,825,184.0 65,936,263.7 66,679,942.4 66,096,172.3 67,414,284.0 66,520,496.8 Total Technical Reserve
51 Jumlah Liabilitas 91,409,008.2 89,907,399.2 90,902,746.0 92,453,032.9 91,276,979.7 93,291,679.4 95,312,568.8 93,999,356.9 94,059,208.2 92,564,226.2 93,939,611.5 94,733,755.8 Total Liabilities
52 Pinjaman Subordinasi 625,675.3 625,627.3 626,099.4 623,449.7 673,773.2 673,312.9 672,805.1 630,620.6 625,374.2 625,053.4 563,436.5 721,065.3 Subordinate Loan
53 Modal Disetor 20,295,715.6 20,295,715.6 20,198,685.4 20,406,185.4 20,343,285.4 20,343,285.4 20,343,285.4 20,343,285.4 20,452,585.7 21,890,008.9 23,547,610.6 23,227,096.5 Paid in Capital
54 Agio Saham 1,314,397.0 1,270,011.9 1,367,042.0 1,368,081.9 1,560,431.2 1,554,743.6 1,554,743.6 1,654,271.3 1,590,830.3 1,590,830.3 1,665,840.2 1,765,386.1 Premium Stock
55 Saldo Laba 27,625,553.9 28,538,600.4 28,329,923.3 27,871,072.0 28,517,991.4 29,266,988.8 29,738,136.9 30,148,546.0 30,726,903.1 28,478,745.2 29,059,554.0 29,742,300.5 Retained Earning
56 Komponen Ekuitas Lainnya 6,052,189.1 6,172,992.7 6,767,105.7 7,027,892.4 6,244,724.3 6,333,153.2 6,539,432.2 6,609,194.6 6,495,527.5 7,675,688.6 7,637,962.1 7,743,716.7 Other Equity Components
57 Jumlah Ekuitas 55,287,855.7 56,277,320.6 56,662,756.5 56,673,231.8 56,666,432.4 57,498,171.1 58,175,598.2 58,755,297.3 59,265,846.6 59,635,272.9 61,910,966.9 62,478,499.8 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 147,322,539.2 146,810,347.1 148,191,601.9 149,749,714.4 148,617,185.2 151,463,163.4 154,160,972.1 153,385,274.8 153,950,429.0 152,824,552.5 156,414,014.8 157,933,320.8 Total Liabilities and Equities

* Pinjaman Polis dikategorikan menjadi instrumen investasi sejak Agustus 2017 berdasarkan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
** Penambahan jenis investasi "Obligasi Daerah" dan "Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif" berdasarkan POJK nomor 27/POJK.05/2018

Muhamad Maulana Yasin Jayawiguna:WA00810, 2/22/2016 1:19:18 PM

Hal: 1/ 1
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Reasuransi Konvensional/ Conventional Reinsurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Deposito Berjangka 3,483,179.3 3,696,900.7 4,253,673.0 4,858,260.6 5,209,283.5 5,466,643.2 5,632,751.9 5,644,881.3 5,574,146.0 5,378,973.7 5,521,171.8 5,351,782.1 Time Deposit
2 Sertifikat Deposito - - - - - - - - - - - - Certificate Of Deposit
3 Saham 495,457.4 533,113.1 554,176.4 502,188.1 471,289.7 501,541.3 449,090.8 383,536.7 375,890.8 402,075.6 422,066.5 460,037.5 Stocks
4 Obligasi Korporasi 1,872,570.0 1,859,036.8 1,861,622.1 1,919,312.5 2,054,283.5 1,950,305.7 1,950,550.6 2,006,343.4 2,136,350.4 2,214,176.6 2,233,043.4 2,249,603.9 Bonds
5 MTN 117,086.8 42,065.9 42,088.1 42,086.4 42,080.3 41,091.9 41,107.8 20,000.0 20,000.0 20,000.0 20,000.0 20,000.0 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 1,779,637.8 1,803,347.9 2,099,146.9 2,080,908.7 2,091,666.6 2,125,029.1 2,032,779.1 2,129,424.0 2,135,649.2 2,160,453.4 2,074,560.2 2,141,356.1 Marketable Securities Issued By Republic Indonesia
7 Surat Berharga yang Diterbitkan oleh Negara Selain Negara RI - - - - - - - - - - - - Marketable Securities Issued By other than Republic Indonesia
8 Surat Berharga yang Diterbitkan oleh Bank Indonesia - - - - - - - - - - - - Marketable Securities Issued By Bank Indonesia
9 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional - - - - - - - - - - - - Marketable Securities Issued By Multinational Institution
10 Reksa Dana 2,514,604.2 2,498,273.7 2,064,799.0 1,964,350.3 1,845,656.8 1,861,443.7 1,902,049.4 2,069,159.7 2,148,743.3 2,330,494.1 2,408,057.0 2,408,618.0 Mutual Fund
11 Efek Beragun Aset - - - - - - - - - - - - Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat - - - - - - - - - - - - Real Estate Investment Fund
13 REPO - - - - - - - - - - - - Repurchase Order
14 Penyertaan Langsung 689,990.2 700,832.1 723,700.9 724,103.4 706,150.5 721,813.8 728,880.8 734,288.7 779,880.9 789,690.2 793,721.5 832,842.8 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 204,540.1 204,540.1 204,540.1 205,014.8 205,014.8 205,014.8 205,014.8 205,014.8 205,014.8 205,014.8 205,275.0 205,739.3 Buildings With Strata Title or Real Estate For Investment
17 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) - - - - - - - - - - - - Executing
18 Emas Murni - - - - - - - - - - - - Gold
19 Pinjaman yang Dijamin dengan Hak Tanggungan - - 498.0 493.8 489.5 485.2 481.0 476.7 472.4 468.1 463.7 459.4 Mortgage
20 Pinjaman Polis* - - - - - - - - - - - - Policy Loan
21 Obligasi Daerah** - - - 33,000.0 - - - - - - - -
22 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif ** - - - - - - - - - - - -
23 Investasi Lain 45,500.8 45,574.5 43,191.7 7,346.9 41,673.8 44,334.9 42,892.8 42,276.9 44,009.5 43,858.4 44,121.4 39,403.0 Other Investment
24 Jumlah Investasi 11,202,566.7 11,383,684.8 11,847,436.2 12,337,065.6 12,667,589.0 12,917,703.6 12,985,599.0 13,235,402.1 13,420,157.3 13,545,204.8 13,722,480.5 13,709,842.0 Total Investment
25 Kas dan Bank 276,373.7 201,212.4 357,683.0 76,371.7 95,313.7 98,442.7 94,231.0 107,499.4 120,500.2 187,277.4 69,373.7 102,148.4 Cash and Bank
26 Tagihan Premi Penutupan Langsung 710,790.9 880,288.0 925,973.3 975,666.7 869,580.9 788,159.2 762,230.8 725,635.0 674,500.5 692,187.7 638,260.7 710,172.8 Premium Receivable
27 Tagihan Premi Reasuransi 2,602,088.3 2,512,394.7 2,658,590.0 2,198,085.1 2,118,811.0 2,595,285.8 2,428,099.7 2,475,929.0 2,177,704.5 2,249,666.0 2,374,502.0 2,096,240.5 Reinsurance Premium Receivable
28 Aset Reasuransi 4,825,628.3 5,296,135.6 5,466,403.7 5,786,251.2 5,733,100.2 5,663,396.3 5,630,033.6 6,440,944.0 6,107,110.4 5,967,825.9 5,873,710.6 5,577,185.2 Reinsurance Asset
29 Tagihan Klaim Koasuransi - - - - - - - - - - - - Coinsurance Claim Receivable
30 Tagihan Klaim Reasuransi 292,925.9 290,173.5 328,521.2 269,617.2 315,700.5 289,836.0 277,701.1 344,296.2 423,530.7 306,305.2 275,659.6 244,911.8 Reinsurance Claim Receivable
31 Tagihan Investasi 52.3 27,671.3 - - 45.5 24,998.4 30,269.2 50,117.0 14,341.5 12,854.9 368.8 26,456.0 Investment Receivable
32 Tagihan Hasil Investasi 74,616.6 547,093.8 78,417.6 88,371.9 67,780.1 72,036.3 78,485.6 85,482.2 76,080.5 86,857.9 70,336.8 67,117.4 Investment Yield Receivable
33 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 735,749.5 309,868.5 725,484.8 725,626.9 725,605.5 724,295.1 723,019.7 721,805.8 720,774.2 719,951.6 722,860.2 751,888.0 Property
34 Biaya Akuisisi yang Ditangguhkan - - - - - - - - - - - - Deferred Acquisition Cost
35 Aset Tetap Lain 66,461.6 64,482.3 63,309.6 62,064.7 67,294.8 69,213.6 69,795.3 68,580.3 68,209.5 69,276.4 61,026.0 73,745.6 Other Fixed Assets
36 Aset Lain 1,177,235.6 1,126,122.2 1,183,267.2 1,132,182.4 1,153,373.8 1,160,979.0 1,190,960.6 1,213,189.4 1,205,091.2 1,197,563.1 1,196,532.2 1,345,918.6 Other Assets
37 Jumlah Bukan Investasi 10,761,922.8 11,255,442.4 11,787,650.2 11,314,237.8 11,146,606.1 11,486,642.6 11,284,826.5 12,233,478.4 11,587,843.0 11,489,766.0 11,282,630.6 10,995,784.3 Total Non Investment
38 JUMLAH ASET 21,964,489.5 22,639,127.3 23,635,086.5 23,651,303.4 23,814,195.1 24,404,346.2 24,270,425.5 25,468,880.6 25,008,000.2 25,034,970.8 25,005,111.1 24,705,626.3 Total Assets
39 Utang Klaim 706,637.7 680,621.4 801,530.2 713,480.2 819,099.9 701,942.9 730,219.8 849,326.2 954,239.3 739,672.4 674,155.2 513,959.9 Claims Payable
40 Utang Koasuransi - - - - - - - - - - - - Coinsurance Payable
41 Utang Reasuransi 1,512,244.5 1,456,275.3 1,573,345.8 1,361,547.3 1,481,776.1 1,878,581.9 1,667,271.2 1,679,369.6 1,325,688.5 1,425,414.8 1,509,048.4 1,500,093.3 Reinsurance Payable
42 Utang Komisi - - - - - - - - - - - - Commission Payable
43 Utang Pajak 21,232.3 6,768.1 24,231.4 6,967.1 19,142.8 45,705.5 73,381.1 75,964.1 79,935.5 80,937.5 84,651.6 91,328.9 Tax Payable
44 Biaya yang Masih Harus Dibayar 96,802.9 118,427.5 115,844.7 116,205.7 108,950.6 93,951.8 90,258.8 79,242.4 89,271.9 91,816.1 101,983.2 148,963.0 Accrued Expense
45 Utang Lain 201,743.4 216,698.9 226,531.9 251,320.4 282,300.1 392,687.3 281,450.5 291,560.3 269,972.8 305,983.2 269,170.8 294,612.3 Others Payable
46 Jumlah Utang 2,538,660.7 2,478,791.3 2,741,483.9 2,449,520.6 2,711,269.4 3,112,869.4 2,842,581.5 2,975,462.6 2,719,108.0 2,643,824.1 2,639,009.2 2,548,957.4 Total Payable
47 Cadangan Premi 369,935.4 563,578.7 506,403.1 486,556.6 685,206.6 731,095.8 770,849.7 755,109.9 768,519.5 765,023.3 843,010.3 868,708.2 Premium Reserve
48 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 4,952,543.2 5,146,127.4 5,495,738.5 5,795,236.4 5,546,067.1 5,434,664.7 5,465,218.7 5,889,849.7 5,680,847.7 5,397,548.2 5,012,628.0 4,596,666.2 Unearned Premium Reserve
49 Cadangan Klaim 5,833,551.2 6,064,784.4 6,126,298.8 6,274,487.4 6,185,430.8 6,285,261.0 6,292,544.7 6,749,284.5 6,615,703.4 6,899,269.0 7,121,743.4 7,143,858.3 Claim Reserve
50 Cadangan atas Risiko Bencana (Catastrophic) 232,893.6 301,594.4 307,925.0 201,241.3 294,634.9 261,682.2 253,828.7 268,891.4 268,377.1 262,730.3 263,038.9 259,634.5 Catastrophic Reserve
51 Jumlah Cadangan Teknis 11,388,923.4 12,076,084.9 12,436,365.4 12,757,521.7 12,711,339.4 12,712,703.7 12,782,441.7 13,663,135.5 13,333,447.8 13,324,570.9 13,240,420.6 12,868,867.2 Total Technical Reserve
52 Jumlah Liabilitas 13,927,584.1 14,554,876.2 15,177,849.2 15,207,042.3 15,422,608.7 15,825,573.1 15,625,023.3 16,638,598.1 16,052,555.8 15,968,395.0 15,879,429.7 15,417,824.7 Total Liabilities
53 Pinjaman Subordinasi 385,283.4 385,283.4 385,283.4 385,283.4 382,333.2 382,333.2 382,333.2 382,333.2 382,333.2 382,333.2 379,383.0 379,383.0 Subordinate Loan
54 Modal Disetor 2,286,567.8 2,286,567.8 2,286,567.8 2,286,567.8 2,286,567.8 2,286,567.8 2,286,567.8 2,651,634.0 2,651,634.0 2,651,634.0 2,651,634.0 2,651,634.0 Paid in Capital
55 Agio Saham 450,684.7 450,684.7 690,684.7 690,684.7 690,684.7 690,684.7 690,684.7 451,578.5 451,578.5 451,578.5 451,578.5 451,578.5 Premium Stock
56 Saldo Laba 3,728,008.1 3,767,335.7 3,885,624.3 3,912,877.1 3,901,628.3 4,046,318.3 4,096,690.9 4,169,995.0 4,295,337.4 4,346,830.0 4,459,049.8 4,602,480.3 Retained Earning
57 Komponen Ekuitas Lainnya 1,186,361.3 1,194,379.5 1,209,076.9 1,168,847.9 1,130,372.3 1,172,869.0 1,189,125.6 1,174,741.6 1,174,561.3 1,234,200.1 1,184,036.0 1,202,725.7 Other Equity Components
58 Jumlah Ekuitas 7,651,621.9 7,698,967.7 8,071,953.8 8,058,977.6 8,009,253.1 8,196,439.9 8,263,069.1 8,447,949.2 8,573,111.3 8,684,242.6 8,746,298.3 8,908,418.6 Total Equities
59 JUMLAH LIABILITAS DAN EKUITAS 21,964,489.5 22,639,127.3 23,635,086.5 23,651,303.4 23,814,195.1 24,404,346.2 24,270,425.5 25,468,880.6 25,008,000.2 25,034,970.8 25,005,111.0 24,705,626.3 Total Liabilities and Equities

* Pinjaman Polis dikategorikan menjadi instrumen investasi sejak Agustus 2017 berdasarkan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
** Penambahan jenis investasi "Obligasi Daerah" dan "Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif" berdasarkan POJK nomor 27/POJK.05/2018

Muhamad Maulana Yasin Jayawiguna:WA00810, 2/22/2016 2:09:12 PM

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 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Sosial / Social Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Deposito 45,262,882.0 43,887,656.0 44,546,258.0 41,894,959.0 40,944,357.0 47,874,333.0 44,987,226.0 40,685,134.0 38,523,659.0 38,989,954.0 43,332,760.0 49,995,462.0 Time Deposit
2 Saham 70,274,029.0 67,928,389.1 69,939,728.1 73,510,704.3 73,083,116.0 75,052,638.8 76,820,098.4 78,940,473.6 80,560,903.8 80,482,136.5 78,603,781.5 82,659,379.0 Stocks
3 Sukuk atau Obligasi 42,850,292.8 44,417,089.9 45,277,875.8 47,108,281.1 48,791,083.2 49,514,117.5 49,883,092.1 50,758,399.6 52,791,120.8 54,577,189.7 54,396,872.4 54,249,247.3 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 178,261,631.6 181,477,936.3 185,940,013.2 186,430,071.1 190,638,856.5 191,020,844.6 197,530,567.9 201,671,683.9 202,749,016.3 206,036,310.3 206,709,574.4 207,643,648.5 Marketable Securities Issued By Republic Indonesia
5 Surat Berharga Syariah yang Diterbitkan oleh Selain Negara Republik Indonesia - - - - - - - - - - - - Marketable Securities Issued By other than Republic Indonesia
6 Surat Berharga Yang Diterbitkan oleh Bank Indonesia - - - - - - - - - - - - Marketable Securities Issued By Bank Indonesia
7 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional - - - - - - - - - - - - Marketable Securities Issued By Multinational Institution
8 Reksa Dana 40,928,439.2 40,993,235.7 41,354,890.7 42,140,434.7 41,832,505.8 42,774,064.0 42,517,818.1 42,175,185.9 41,702,711.4 42,065,312.4 40,729,961.6 42,390,153.0 Mutual Fund
9 Efek Beragun Aset 725,865.2 728,978.1 698,844.9 692,263.0 690,595.6 666,306.0 662,727.6 662,084.7 637,227.7 633,899.7 639,402.3 608,936.3 Assets Backed Securities
10 Dana Investasi Real Estate - - - - - - - - - - - - Real Estate Investment Fund
11 Penyertaan Langsung 850.0 850.0 850.0 850.0 850.0 850.0 850.0 850.0 850.0 716.9 850.0 716.9 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 2,255,657.2 2,256,312.9 2,257,140.4 2,258,741.7 2,260,192.7 2,260,340.6 2,260,365.1 2,260,584.0 2,261,626.7 2,264,847.2 2,266,169.7 2,271,198.8 Buildings With Strata Title or Real Estate For Investment
13 Pembelian Piutang Perusahaan Pembiayaan/Bank - - - - - - - - - - - - Refinancing
14 Emas Murni - - - - - - - - - - - - Gold
15 Pinjaman yang dijamin dengan hak tangguhan - - - - - - - - - - - - Mortgage
16 Investasi Lain - - - - - - - - - - - - Other Investment
17 Total Investasi 380,559,647.0 381,690,448.2 390,015,601.2 394,036,304.8 398,241,557.0 409,163,494.5 414,662,745.2 417,154,395.7 419,227,115.8 425,050,366.6 426,679,371.9 439,818,741.8 Total Investment
18 Total Non Investasi 18,856,453.0 19,030,289.3 17,634,121.5 21,584,023.6 17,985,765.8 18,500,942.2 19,263,895.2 19,338,444.3 19,175,285.6 19,382,799.2 17,466,933.4 17,532,301.1 Total Non Investment
19 Total Aset 399,416,100.0 400,720,737.4 407,649,722.7 415,620,328.5 416,227,322.8 427,664,436.6 433,926,640.4 436,492,840.0 438,402,401.3 444,433,165.8 444,146,305.3 457,351,042.9 Total Assets
20 Total Liabilitas 69,804,710.0 71,991,946.0 74,485,575.6 79,162,935.1 82,728,748.1 81,205,596.4 85,763,053.0 87,393,244.6 92,213,982.6 93,172,047.8 86,193,709.4 90,491,464.4 Total Liabilty
21 Total Ekuitas dan Aset Netto 329,611,390.0 328,728,791.4 333,164,147.1 336,457,393.4 333,498,574.6 346,458,840.3 348,163,587.4 349,099,595.4 346,188,418.8 351,261,118.0 357,952,595.9 366,859,578.5 Total Equity
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Wajib / Compulsary Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Deposito 16,986,000.0 17,233,650.0 16,558,100.0 15,812,300.0 12,390,000.0 14,727,000.0 16,082,100.0 14,331,600.0 14,567,250.0 15,328,150.0 14,485,800.0 18,077,700 Time Deposit
2 Saham 14,601,940.7 14,131,479.9 14,176,307.0 13,937,894.0 13,496,210.3 12,690,431.9 11,868,529.4 11,987,602.1 11,843,656.9 11,821,783.8 10,988,910.7 10,379,286 Stocks
3 Sukuk atau Obligasi 31,484,000.9 31,431,940.8 31,448,218.1 31,820,326.3 33,273,286.9 32,704,086.2 32,911,777.6 33,236,602.3 34,011,886.9 33,521,973.4 33,536,576.5 34,355,665 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 30,734,436.3 31,721,407.3 34,422,059.3 33,303,431.7 33,177,983.3 35,332,169.0 34,482,961.0 34,344,682.8 32,704,278.2 31,495,545.5 31,740,793.5 28,477,338 Marketable Securities Issued By Republic Indonesia
5 Surat Berharga yang Diterbitkan oleh Selain Negara Republik Indonesia - - - - - - - - - - - - Marketable Securities Issued By other than Republic Indonesia
6 Surat Berharga Yang Diterbitkan oleh Bank Indonesia - - - - - - - - - - - - Marketable Securities Issued By Bank Indonesia
7 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional - - - - - - - - - - - - Marketable Securities Issued By Multinational Institution
8 Reksa Dana 22,562,311.0 22,442,425.3 21,331,434.9 20,693,394.8 22,175,955.7 21,074,111.0 20,625,132.0 21,769,175.9 22,301,654.1 23,941,472.9 23,387,404.3 23,651,753 Mutual Fund
9 Efek Beragun Aset 2,425,925.8 2,442,577.0 2,415,551.0 2,367,285.4 2,355,746.8 2,345,443.3 2,311,639.6 2,051,031.9 2,321,582.0 2,279,553.4 2,582,920.5 2,546,673 Assets Backed Securities
10 Dana Investasi Real Estate 104,800.2 111,350.2 98,250.2 85,150.2 85,150.2 96,940.2 106,110.2 106,110.2 106,110.2 102,180.2 117,900.2 117,900 Real Estate Investment Fund
11 Penyertaan Langsung 3,132,342.1 3,139,890.1 3,151,942.8 3,183,207.4 3,204,641.8 3,315,045.5 3,392,675.1 3,403,714.2 3,479,210.4 3,518,649.0 3,461,193.9 3,702,865 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 392,555.8 407,188.1 406,513.5 404,859.8 400,561.0 399,099.3 397,957.6 397,957.6 398,127.8 398,753.9 398,823.4 398,823 Buildings With Strata Title or Real Estate For Investment
13 Pembelian Piutang Perusahaan Pembiayaan/Bank - - - - - - - - - - - - Refinancing
14 Emas Murni - - - - - - - - - - - - Gold
15 Pinjaman yang dijamin dengan hak tangguhan - - - - - - - - - - - - Mortgage
16 Investasi Lain - - - - - - - - - - - - Other Investment
17 Total Investasi 122,424,312.7 123,061,908.8 124,008,376.7 121,607,849.5 120,559,536.0 122,684,326.3 122,178,882.6 121,628,476.9 121,733,756.5 122,408,062.0 120,700,323.0 121,708,003 Total Investment
18 Total Non Investasi 10,864,258.4 10,807,689.6 10,930,729.3 11,632,843.1 11,842,474.4 11,347,734.8 10,944,900.1 10,902,327.5 10,858,476.3 11,097,094.4 10,652,401.1 10,833,720 Total Non Investment
19 Total Aset 133,288,571.0 133,869,598.4 134,939,106.1 133,240,692.6 132,402,010.4 134,032,061.1 133,123,782.7 132,530,804.4 132,592,232.9 133,505,156.4 131,352,724.1 132,541,723 Total Assets
20 Total Liabilitas 111,981,480.4 112,496,544.9 113,609,576.9 112,476,836.2 112,682,581.3 113,670,781.7 113,679,132.2 114,235,099.2 114,775,061.7 115,220,114.5 115,689,928.9 116,279,322 Total Liabilty
21 Total Ekuitas 21,307,090.6 21,373,053.4 21,329,529.2 20,763,856.4 19,719,429.1 20,361,279.4 19,444,650.4 18,295,705.2 17,817,171.1 18,285,042.0 15,662,795.2 16,262,402 Total Equity
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 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Asuransi Jiwa Konvensional/ Conventional Life Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Pendapatan premi 15,353,642.8 29,182,932.9 44,275,786.0 58,789,796.7 73,180,707.9 85,646,024.3 104,246,440.7 120,847,386.7 136,780,196.4 152,363,148.5 169,858,608.5 185,332,774.6 Premium Income
2 Premi Reasuransi 684,385.7 1,272,792.7 1,795,364.4 2,290,133.4 2,720,014.0 3,139,730.5 3,610,424.6 4,035,376.6 4,476,583.0 4,977,012.5 5,438,030.4 5,840,518.8 Reinsurance Income
3 Penurunan (kenaikan) CAPYBMP (1,045,027.6) (938,637.8) (814,920.0) (1,179,777.3) (1,014,432.2) (941,615.9) (1,032,838.9) (744,065.8) (617,804.9) (455,851.6) (275,602.6) (142,073.3) Decrease (increase) in Premium Reserve And Unearned Premium Reserve
4 Jumlah Pendapatan Premi Neto 13,624,229.5 26,971,502.4 41,665,501.6 55,319,886.0 69,446,261.8 81,564,677.9 99,603,177.1 116,067,944.3 131,685,808.5 146,930,284.4 164,144,975.5 179,350,182.5 Total Net Premium Income
5 Hasil Investasi 8,774,238.7 5,649,784.1 10,008,681.2 10,105,645.4 4,492,846.0 15,199,537.6 15,342,418.0 11,973,702.4 9,913,127.4 14,468,666.3 10,332,012.9 21,853,833.8 Investment Yield
6 Imbalan Jasa DPLK/ Jasa Manajemen Lainnya 120,003.5 229,981.0 348,588.1 356,375.8 467,505.5 553,159.0 651,469.3 732,431.6 821,754.3 914,887.7 1,003,093.5 1,159,618.5 Revenue from DPLK Services / Other Management Services
7 Pendapatan Lain 681,177.0 876,091.3 1,323,817.5 1,710,050.5 1,553,234.0 1,726,221.6 1,997,159.8 2,325,213.1 3,732,290.2 4,144,240.0 4,511,712.4 5,029,670.5 Other Revenue
8 Jumlah Pendapatan 23,199,648.7 33,727,358.7 53,346,588.4 67,491,957.7 75,959,847.4 99,043,596.2 117,594,224.3 131,099,291.4 146,152,980.4 166,458,078.4 179,991,794.2 207,393,305.3 Total Revenue
9 Klaim dan Manfaat Dibayar 6,138,092.5 12,070,427.0 19,618,639.1 27,450,740.7 35,360,382.2 41,085,575.4 48,108,352.7 55,327,111.6 61,656,889.5 69,419,760.3 75,351,294.6 82,435,925.5 Claim and Benefit Paid
10 Klaim Penebusan Unit 6,017,951.9 11,882,662.6 16,774,189.8 22,987,959.1 28,043,203.7 31,974,243.7 39,290,898.5 45,992,066.8 51,632,274.9 59,857,974.5 63,375,716.1 70,827,780.8 Unit Redemption Claim
11 Klaim Reasuransi 385,379.5 777,253.8 1,167,475.0 1,597,840.9 2,096,841.4 2,474,196.2 2,922,178.1 3,333,637.3 3,754,443.1 4,211,388.5 4,679,884.9 5,094,335.7 Reinsurance Recovery
12 Kenaikan (Penurunan) Cadangan Premi (438,923.4) (1,661,845.5) (1,726,637.6) (3,057,650.0) (4,806,250.0) (5,279,855.4) (3,656,782.2) (2,895,030.2) (2,759,786.3) (2,909,775.3) (2,235,461.6) (2,453,646.0) Increase (decrease) in Premium Reserve
13 Kenaikan (Penurunan) Cadangan Klaim 39,315.6 (102,997.3) (589,282.7) (709,615.1) (521,748.2) (444,490.8) (342,943.9) (266,490.4) (234,790.1) (204,856.3) (94,385.8) 207,891.1 Increase (decrease) in Claim Reserve
14 Kenaikan (Penurunan) Cadangan atas Risiko Bencana (70,591.9) (71,804.4) (77,808.6) (73,799.0) (76,648.6) (47,086.9) (39,233.7) (35,816.3) (34,641.6) (34,466.9) (28,598.3) 25,117.1 Increase (decrease) in Catastrophic Reserve
(Catastrophic)
15 Jumlah Beban Klaim dan Manfaat 11,300,465.1 21,339,188.6 32,831,624.9 44,999,794.7 55,902,097.7 64,814,189.8 80,438,113.3 94,788,204.2 106,505,503.2 121,917,247.9 131,688,680.1 145,948,732.8 Total Claims and Benefits
16 Beban Komisi - Tahun Pertama 510,069.1 1,056,343.1 1,664,245.7 2,196,042.5 2,761,399.5 3,319,600.8 3,967,220.1 4,642,066.9 5,341,193.1 5,990,656.6 6,664,740.4 7,344,520.2 First Year Commision
17 Beban Komisi - Tahun Lanjutan 311,865.4 579,980.7 854,378.4 1,157,141.5 1,428,596.1 1,690,816.3 1,943,494.1 2,266,748.4 2,552,522.3 2,850,522.2 3,103,479.0 3,409,809.9 Renewal Commision
18 Beban Komisi - Overriding 231,110.1 503,329.5 805,220.6 1,058,540.7 1,274,191.9 1,588,425.3 1,909,084.2 2,234,340.5 2,676,097.1 2,852,098.2 3,229,114.5 3,553,745.0 Overriding Commmision
19 Beban Lainnya 414,948.6 815,491.4 1,167,377.9 1,574,437.0 2,029,732.2 2,356,333.0 2,866,952.7 3,285,470.7 3,675,925.4 4,412,468.9 4,920,312.4 5,596,758.1 Other Expenses
20 Jumlah Biaya Akuisisi 1,467,993.1 2,955,144.7 4,491,222.6 5,986,161.7 7,493,919.6 8,955,175.4 10,686,751.1 12,428,626.6 14,245,737.8 16,105,745.9 17,917,646.4 19,904,833.2 Total Acquisition Cost
21 Jumlah Beban Asuransi 12,768,458.3 24,294,333.3 37,322,847.5 50,985,956.5 63,396,017.3 73,769,365.2 91,124,864.5 107,216,830.8 120,751,241.1 138,022,993.7 149,606,326.5 165,853,566.0 Total Insurance Expenses
22 Beban Pemasaran 171,525.1 367,758.4 601,473.2 822,628.6 1,046,469.4 1,265,252.4 1,505,274.6 1,751,496.3 2,027,406.5 2,263,087.1 2,457,016.8 2,627,636.2 Marketing Expenses
23 Beban Pegawai dan Pengurus 673,933.3 1,289,327.6 1,932,084.8 2,528,375.2 3,253,266.8 3,840,522.2 4,433,731.0 5,042,325.4 5,610,109.6 6,190,312.6 6,723,704.8 7,576,213.7 Employee and Management Expenses
24 Beban Pendidikan dan Pelatihan 29,598.4 51,081.6 79,374.9 94,914.7 114,209.2 130,425.7 154,666.6 185,727.4 211,486.2 245,786.5 262,700.1 303,904.5 General And Administration Expenses
25 Beban Umum dan Administrasi Lainnya 591,484.7 1,277,367.2 1,907,450.0 2,663,458.6 3,228,585.7 3,916,571.7 4,682,792.1 5,273,492.0 5,946,630.4 6,547,713.8 6,998,565.2 7,958,001.5 Other General And Administration Expenses
26 Beban Manajemen 169,073.5 261,005.5 383,037.8 447,362.9 321,868.1 374,914.6 457,736.3 522,388.3 986,402.9 835,252.3 986,637.2 998,150.8 Management Expenses
27 Beban Mortalitas 460,923.5 915,247.6 1,364,209.6 864,084.0 699,693.3 841,326.7 997,645.0 1,213,914.9 1,884,254.7 2,445,963.3 2,608,660.0 2,947,481.4 Mortality Expenses
28 Beban Usaha Lainnya 473,656.7 405,041.3 376,764.4 912,039.3 449,850.6 833,270.4 1,080,612.1 682,749.9 401,137.5 572,147.8 607,997.2 1,101,888.6 Other Operating Expenses
29 Jumlah Beban Usaha 2,570,195.2 4,566,829.2 6,644,394.6 8,332,863.4 9,113,942.9 11,202,283.8 13,312,457.9 14,672,094.3 17,067,427.7 19,100,263.5 20,645,281.3 23,513,276.8 Total Operating Expenses
30 Jumlah Beban 15,338,653.4 28,861,162.6 43,967,242.1 59,318,819.9 72,509,960.2 84,971,649.0 104,437,322.3 121,888,925.1 137,818,668.8 157,123,257.2 170,251,607.8 189,366,842.8 Total Expenses
31 Kenaikan (Penurunan) Nilai Aset* 7,397,054.3 4,616,536.0 9,198,019.0 11,714,161.8 7,741,956.3 17,151,818.6 18,353,194.2 14,817,466.6 13,142,762.8 14,212,770.8 16,858,977.8 24,617,581.8 Increase (decrease) in Asset Value
32 Laba (Rugi) Sebelum Pajak 463,941.0 249,660.2 181,327.3 (3,541,024.0) (4,292,069.1) (3,079,871.4) (5,196,292.3) (5,607,100.2) (4,808,451.3) (4,877,949.6) (7,118,791.4) (6,591,119.3) Income (Loss) Before Tax
33 Pajak Penghasilan 223,049.3 435,711.0 612,484.6 751,413.1 990,627.7 1,096,142.9 1,193,675.8 1,238,754.7 1,548,497.5 1,632,882.5 1,911,059.6 2,055,044.2 Taxes
34 Laba (Rugi) Setelah Pajak 240,891.7 (186,050.8) (431,157.3) (4,292,437.1) (5,282,696.9) (4,176,014.2) (6,389,968.1) (6,845,854.9) (6,356,948.8) (6,510,832.1) (9,029,851.0) (8,646,163.5) Income (Loss) After Tax
35 Pendapatan Komprehensif Lain 1,019,334.5 1,763,373.4 2,739,214.0 2,503,325.9 2,031,855.9 4,489,883.5 5,618,453.1 6,077,794.8 5,908,775.4 6,488,278.6 6,242,700.3 6,439,694.3 Other Comprehensif Income
36 Total Laba (Rugi) Komprehensif 1,260,226.1 1,577,322.6 2,308,056.7 (1,789,111.2) (3,250,840.9) 313,869.3 (771,515.0) (768,060.1) (448,173.4) (22,553.5) (2,787,150.8) (2,206,469.2) Total Comprehensive Income (Loss)

*khusus yang mempunyai PAYDI

Sejak Agustus 2017, terdapat beberapa penyesuaian pada laporan sesuai dengan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Asuransi Umum Konvensional/ Conventional General Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Premi Penutupan Langsung 6,594,430.8 11,360,086.0 18,750,575.5 25,891,512.7 31,465,460.7 38,176,851.8 43,610,956.4 49,164,483.7 55,664,028.3 60,592,102.2 67,199,191.6 75,066,674.9 Direct Premium
2 Premi Penutupan Tidak Langsung 317,145.8 565,944.9 796,921.2 1,081,671.1 1,385,906.1 1,952,905.9 2,306,430.3 2,525,039.8 2,773,176.2 3,060,756.2 4,325,258.6 5,056,382.7 Indirect Premium
3 Jumlah Pendapatan Premi 6,911,576.7 11,926,031.0 19,547,496.7 26,973,183.8 32,851,366.7 40,129,757.8 45,917,386.7 51,689,523.5 58,437,204.5 63,652,858.5 71,524,450.2 80,123,057.6 Total Premium Income
4 Komisi Dibayar 877,798.2 1,624,012.7 2,448,197.9 3,295,218.6 4,258,402.9 5,057,147.1 5,928,702.8 6,817,026.4 7,656,176.6 8,555,610.8 9,374,506.5 10,335,497.5 Commission Paid
5 Jumlah Premi Bruto 6,033,778.5 10,302,018.2 17,099,298.8 23,677,965.2 28,592,963.9 35,072,610.7 39,988,683.9 44,872,497.1 50,781,027.8 55,097,247.7 62,149,943.6 69,787,560.1 Total Gross Premium
6 Premi Reasuransi Dibayar 2,644,946.2 4,524,885.1 7,822,726.8 11,399,315.7 13,835,713.1 18,018,455.5 20,070,450.8 22,643,739.4 24,593,605.8 26,460,842.6 29,580,623.2 34,336,274.2 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 433,032.1 830,205.6 1,310,507.4 1,764,872.5 2,187,273.8 2,767,014.8 3,150,964.8 3,612,827.3 4,016,471.2 4,495,273.6 4,903,994.4 5,573,728.0 Reinsurance Commission
8 Jumlah Premi Reasuransi 2,211,914.0 3,694,679.5 6,512,219.4 9,634,443.2 11,648,439.2 15,251,440.6 16,919,486.0 19,030,912.1 20,577,134.7 21,965,569.0 24,676,628.7 28,762,546.2 Total Reinsurance Premium
9 Premi Netto 3,821,864.5 6,607,338.8 10,587,079.4 14,043,522.0 16,944,524.6 19,821,170.0 23,069,197.9 25,841,585.1 30,203,893.2 33,131,678.6 37,473,314.9 41,025,014.0 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi (58,158.7) (165,030.1) (14,060.8) (204,691.9) (350,097.0) (373,331.3) (521,076.2) (671,990.9) (579,894.3) (661,228.2) (2,089,749.3) (1,120,454.3) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP (984,315.2) (839,725.3) (1,225,793.5) (1,060,611.3) (848,894.4) (854,975.7) (673,496.5) (769,905.7) (1,721,439.0) (564,751.3) (336,064.1) (422,583.5) Decrease (Increase) In Unearned Premium Reserve
12 Penurunan (kenaikan) Cadangan atas Risiko Bencana (Catastrophic) (761.4) (2,926.3) (1,905.5) (2,804.7) (872.7) (535.2) (294,416.9) 1,580.4 1,038.2 4,874.1 6,024.4 3,492.3 Decrease (Increase)
Total Decrease In Catastrophic
(Increase) In PremiumReserve
Reserve and Unearned
13 Jumlah Penurunan (Kenaikan) Cadangan Premi dan CAPYBMP (1,043,235.2) (1,007,681.7) (1,241,759.7) (1,268,107.9) (1,199,864.2) (1,228,842.1) (1,488,989.6) (1,440,316.3) (2,300,295.2) (1,221,105.3) (2,419,789.0) (1,539,545.6) Premium Reserve
14 Jumlah Pendapatan Premi Neto 2,778,629.3 5,599,657.0 9,345,319.6 12,775,414.1 15,744,660.5 18,592,327.9 21,580,208.3 24,401,268.8 27,903,598.0 31,910,573.4 35,053,525.9 39,485,468.4 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto 7,215.1 12,922.7 18,313.5 24,189.8 29,695.5 42,146.3 54,985.3 67,939.4 86,234.6 103,344.6 110,310.8 124,464.3 Nett Other Underwriting Income
16 PENDAPATAN UNDERWRITING 2,785,844.3 5,612,579.8 9,363,633.1 12,799,603.9 15,774,356.0 18,634,474.2 21,635,193.6 24,469,208.2 27,989,832.6 32,013,917.9 35,163,836.6 39,609,932.7 Underwriting Income
17 Klaim Bruto 2,701,388.3 5,058,610.9 8,216,777.5 11,343,373.4 14,380,318.1 16,207,281.7 19,314,095.0 22,019,485.2 25,312,613.7 28,620,136.1 31,414,718.5 36,239,298.2 Gross Claims
18 Klaim Reasuransi 1,041,731.6 2,028,967.5 3,217,012.5 4,231,391.2 5,227,962.6 5,899,719.6 7,278,366.6 8,346,865.3 9,489,193.1 10,402,283.0 11,503,483.8 13,687,193.3 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim 44,534.4 174,467.8 573,695.5 640,730.7 402,774.3 561,678.8 611,369.3 578,817.4 581,962.8 916,554.8 795,069.5 613,587.3 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 1,704,191.1 3,204,111.2 5,573,460.5 7,752,712.9 9,555,129.7 10,869,240.8 12,647,097.8 14,251,437.4 16,405,383.4 19,134,407.9 20,706,304.2 23,165,692.2 Total Claim Expenses
21 Beban Underwriting Lain Neto 73,488.1 138,124.4 214,799.3 300,431.9 412,672.3 484,760.8 561,260.1 641,552.3 712,953.0 825,608.4 915,834.1 1,172,203.5 Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 1,777,679.3 3,342,235.6 5,788,259.8 8,053,144.8 9,967,802.0 11,354,001.6 13,208,357.9 14,892,989.7 17,118,336.4 19,960,016.3 21,622,138.3 24,337,895.8 Total Underwriting Expenses
23 Hasil Underwriting 1,008,165.0 2,270,344.2 3,575,373.3 4,746,459.1 5,806,553.9 7,280,472.6 8,426,835.7 9,576,218.5 10,871,496.2 12,053,901.6 13,541,698.3 15,272,037.0 Underwriting Result
24 Hasil Investasi 314,320.5 643,453.1 1,019,631.1 1,338,647.0 1,680,329.0 2,068,638.7 2,575,126.5 2,906,439.2 3,223,847.3 3,678,591.4 3,999,766.7 4,351,169.2 Investment Yield
25 Beban Pemasaran 205,418.4 322,756.5 503,677.4 686,362.3 867,838.3 1,020,315.9 1,178,482.8 1,317,315.8 1,504,914.6 1,682,190.7 1,914,659.8 2,170,606.4 Marketing Expenses
26 Beban Pegawai dan Pengurus 409,155.3 844,125.3 1,283,967.9 1,735,841.0 2,301,822.8 2,943,169.4 3,397,613.3 3,866,401.4 4,280,758.1 4,745,101.5 5,307,546.7 5,846,465.1 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 14,981.0 31,170.5 55,766.0 83,546.8 103,336.7 123,047.5 142,576.4 219,551.8 187,141.6 236,225.3 306,538.0 343,423.8 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 322,065.0 665,174.8 973,032.5 1,329,351.1 1,757,351.6 2,086,469.5 2,440,974.0 2,750,739.0 3,197,531.2 3,550,505.9 3,833,728.5 4,335,008.3 Other General And Administration Expenses
29 Biaya Terkait Estimasi Kecelakaan Diri - - - - - - - - - - - - Personal Accident Estimation related Cost
30 Biaya Manajemen - - - - - - - - - - - - Management Cost
31 Jumlah Beban Usaha 951,619.7 1,863,227.1 2,816,443.7 3,835,101.2 5,030,349.5 6,173,002.3 7,159,646.4 8,154,008.0 9,170,345.6 10,214,023.5 11,362,473.1 12,695,503.7 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 370,865.8 1,050,570.2 1,778,560.7 2,250,004.9 2,456,533.5 3,176,109.0 3,842,315.8 4,328,649.7 4,924,998.0 5,518,469.5 6,178,991.9 6,927,702.4 Income (Loss) Insurance Business
33 Hasil (Beban) Lain 23,274.3 (54,941.6) (77,792.5) (46,179.4) (41,675.9) (119,273.2) (160,347.6) (49,319.4) (43,101.4) (72,560.6) (76,320.4) (361,612.5) Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 394,140.2 995,628.6 1,700,768.2 2,203,825.5 2,414,857.6 3,056,835.8 3,681,968.2 4,279,330.3 4,881,896.5 5,445,908.9 6,102,671.5 6,566,089.9 Income (Loss) Before Tax
35 Pajak Penghasilan 72,793.7 159,004.2 236,884.0 299,659.4 336,317.6 427,616.1 460,115.6 531,876.2 603,182.5 635,446.8 689,917.2 688,204.5 Taxes
36 Laba Setelah Pajak 321,346.5 836,624.4 1,463,884.2 1,904,166.1 2,078,540.0 2,629,219.7 3,221,852.6 3,747,454.1 4,278,714.0 4,810,462.1 5,412,754.3 5,877,885.4 Income After Tax
37 Pendapatan Komprehensif Lain (25,661.0) 61,161.9 431,842.5 620,588.8 593,732.8 943,532.4 1,154,150.3 1,153,320.0 1,093,166.2 1,212,648.1 1,141,651.6 1,205,801.7 Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 295,685.5 897,786.3 1,895,726.7 2,524,754.9 2,672,272.8 3,572,752.1 4,376,002.9 4,900,774.2 5,371,880.2 6,023,110.3 6,554,405.9 7,083,687.1 Total Comprehensive Income (Loss)

Sejak Agustus 2017, terdapat beberapa penyesuaian pada laporan sesuai dengan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Reasuransi Konvensional/ Conventional Reinsurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Premi Penutupan Langsung - - - - - - - - - - - - Direct Premium
2 Premi Penutupan Tidak Langsung 1,579,397.8 3,330,788.8 5,439,192.7 7,181,759.4 8,980,595.9 10,797,423.7 12,947,904.5 15,171,553.1 16,934,628.6 18,559,559.9 20,270,464.3 21,971,108.3 Indirect Premium
3 Jumlah Pendapatan Premi 1,579,397.8 3,330,788.8 5,439,192.7 7,181,759.4 8,980,595.9 10,797,423.7 12,947,904.5 15,171,553.1 16,934,628.6 18,559,559.9 20,270,464.3 21,971,108.3 Total Premium Income
4 Komisi Dibayar 335,680.5 726,187.5 1,216,386.0 1,574,190.6 1,891,343.7 2,346,861.4 2,766,842.1 3,126,220.5 3,557,076.2 3,932,660.4 4,363,605.2 4,798,841.0 Commission Paid
5 Jumlah Premi Bruto 1,243,717.2 2,604,601.3 4,222,806.7 5,607,568.8 7,089,252.2 8,450,562.3 10,181,062.4 12,045,332.6 13,377,552.4 14,626,899.4 15,906,859.0 17,172,267.3 Total Gross Premium
6 Premi Reasuransi Dibayar 535,608.1 1,301,313.4 2,192,818.1 3,043,931.1 3,915,916.9 4,614,499.6 5,579,803.7 6,777,257.6 7,337,712.2 7,746,764.3 8,311,424.7 8,911,391.1 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 34,096.0 89,807.1 273,963.6 367,246.5 409,115.7 515,843.9 603,713.3 653,503.4 713,901.3 760,003.0 829,463.7 941,165.9 Reinsurance Commission
8 Jumlah Premi Reasuransi 501,512.0 1,211,506.3 1,918,854.5 2,676,684.6 3,506,801.2 4,098,655.7 4,976,090.4 6,123,754.2 6,623,810.9 6,986,761.3 7,481,961.0 7,970,225.2 Total Reinsurance Premium
9 Premi Netto 742,205.2 1,393,094.9 2,303,952.2 2,930,884.2 3,582,451.0 4,351,906.6 5,204,972.0 5,921,578.3 6,753,741.4 7,640,138.1 8,424,898.1 9,202,042.0 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi (26,597.2) 3,469.8 9,006.3 2,491.3 9,341.4 (14,652.1) (14,051.1) (14,524.2) (15,724.8) (15,156.2) (41,167.0) (16,254.7) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP (127,022.3) (101,556.3) (189,867.2) (133,540.7) (172,885.6) (155,218.9) (158,536.3) (178,462.6) (205,887.5) (219,321.2) (77,198.6) 27,618.6 Decrease (Increase) In Unearned Premium Reserve
12 Penurunan (kenaikan) Cadangan atas Risiko Bencana (Catastrophic) - - - - - - - - - - - - Decrease (Increase) In Catastrophic Reserve
13 Jumlah Penurunan (Kenaikan) Cadangan Premi dan CAPYBMP (153,619.5) (98,086.5) (180,860.9) (131,049.3) (163,544.2) (169,871.0) (172,587.4) (192,986.8) (221,612.4) (234,477.4) (118,365.6) 11,363.9 Total Decrease (Increase) In Premium Reserve and Unearned Premium Reserve
14 Jumlah Pendapatan Premi Neto 588,585.7 1,295,008.5 2,123,091.3 2,799,834.9 3,418,906.8 4,182,035.6 5,032,384.6 5,728,591.5 6,532,129.1 7,405,660.7 8,306,532.5 9,213,405.9 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto - (474.8) (474.8) (469.1) (469.1) (143.8) (124.2) (121.5) (115.6) (112.3) 68.0 70.1 Nett Other Underwriting Income
16 Pendapatan Underwriting 588,585.7 1,294,533.7 2,122,616.5 2,799,365.8 3,418,437.6 4,181,891.8 5,032,260.4 5,728,470.0 6,532,013.5 7,405,548.4 8,306,600.5 9,213,476.0 Underwriting Income
17 Klaim Bruto 585,392.6 1,221,907.6 2,024,198.6 2,770,533.3 3,566,907.9 4,170,527.4 5,128,720.5 5,959,373.6 7,113,540.4 8,041,930.8 8,932,976.1 9,850,801.1 Gross Claims
18 Klaim Reasuransi 97,466.0 217,588.1 388,715.1 521,172.2 677,332.6 783,086.0 1,064,872.2 1,320,181.8 1,792,824.7 2,021,320.8 2,275,479.5 2,483,494.3 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim 34,632.4 110,961.2 220,625.8 252,513.8 200,754.1 250,476.7 335,725.7 405,228.4 369,760.6 491,283.3 572,439.6 611,478.4 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 522,559.1 1,115,280.8 1,856,109.4 2,501,874.9 3,090,329.4 3,637,918.2 4,399,574.0 5,044,420.2 5,690,476.3 6,511,893.2 7,229,936.2 7,978,785.2 Total Claim Expenses
21 Beban Underwriting Lain Neto 2,267.8 2,395.8 1,346.5 5,444.4 7,010.9 8,235.1 9,368.4 10,477.1 11,647.9 12,500.3 13,650.3 20,899.6 Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 524,826.9 1,117,676.6 1,857,455.9 2,507,319.3 3,097,340.3 3,646,153.4 4,408,942.4 5,054,897.2 5,702,124.3 6,524,393.6 7,243,586.5 7,999,684.8 Total Underwriting Expenses
23 Hasil Underwriting 63,758.9 176,857.1 265,160.6 292,046.4 321,097.3 535,738.4 623,318.0 673,572.8 829,889.2 881,154.8 1,063,013.9 1,213,791.2 Underwriting Result
24 Hasil Investasi 82,464.1 122,034.3 210,485.3 266,983.9 309,449.7 406,150.0 466,142.8 516,641.7 573,221.1 636,583.3 684,033.0 766,028.1 Investment Yield
25 Beban Pemasaran 1,661.0 3,800.3 6,865.7 10,079.3 12,619.1 14,069.9 16,440.3 19,648.6 23,329.0 28,201.5 32,594.4 36,511.6 Marketing Expenses
26 Beban Pegawai dan Pengurus 30,453.6 65,313.5 91,640.3 138,177.2 193,520.8 247,511.1 284,300.5 327,097.4 365,200.5 397,505.4 439,657.2 492,012.2 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 816.4 980.8 1,761.7 2,787.7 3,082.7 3,676.9 4,647.6 6,030.9 7,770.7 16,330.9 17,395.6 20,500.8 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 10,654.6 23,459.1 43,388.5 43,944.4 59,514.5 72,244.9 86,701.9 103,373.1 119,186.8 130,396.5 143,842.6 174,122.2 Other General And Administration Expenses
29 Biaya Terkait Estimasi Kecelakaan Diri - - - - - - - - - - - - Personal Accident Estimation related Cost
30 Biaya Manajemen - - - - - - - - - - - - Management Cost
31 Jumlah Beban Usaha 43,585.6 93,553.7 143,656.3 194,988.6 268,737.1 337,502.9 392,090.3 456,149.9 515,487.1 572,434.4 633,489.8 723,146.8 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 102,637.4 205,337.7 331,989.7 364,041.8 361,809.9 604,385.5 697,370.5 734,064.6 887,623.3 945,303.8 1,113,557.1 1,256,672.4 Income (Loss) Insurance Business
33 Hasil (Beban) Lain (30,432.9) (49,346.5) (49,717.2) (48,902.1) (48,733.6) (62,476.9) (85,645.1) (75,807.3) (83,777.0) (101,199.2) (102,647.3) (112,042.8) Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 72,204.5 155,991.2 282,272.4 315,139.6 313,076.3 541,908.6 611,725.4 658,257.3 803,846.3 844,104.6 1,010,909.8 1,144,629.6 Income (Loss) Before Tax
35 Pajak Penghasilan 15,558.0 22,620.4 40,121.2 37,974.9 38,025.1 87,910.4 68,162.1 67,255.3 82,003.8 80,254.4 98,234.1 104,787.1 Taxes
36 Laba Setelah Pajak 56,646.6 133,370.8 242,151.2 277,164.7 275,051.2 453,998.1 543,563.3 591,002.0 721,842.5 763,850.2 912,675.7 1,039,842.5 Income After Tax
37 Pendapatan Komprehensif Lain (17,499.1) 26,309.4 32,729.5 10,362.2 (12,216.2) 112,349.7 129,802.3 114,915.3 113,681.0 169,035.2 121,546.7 136,435.1 Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 39,147.5 159,680.2 274,880.7 287,526.9 262,835.0 566,347.9 673,365.7 705,917.3 835,523.5 932,885.5 1,034,222.4 1,176,277.6 Total Comprehensive Income (Loss)

Sejak Agustus 2017, terdapat beberapa penyesuaian pada laporan sesuai dengan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Asuransi Sosial / Social Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Premi Bruto 11,196,361.4 24,600,372.1 37,984,656.3 51,466,606.2 65,948,652.8 78,591,688.7 93,253,300.0 107,621,069.6 121,407,305.9 135,552,207.2 159,918,538.4 179,219,190.4 Gross Premium
2 Klaim Bruto 10,678,664.7 21,327,252.1 33,335,678.5 46,238,290.0 60,148,527.3 67,880,731.3 81,202,340.3 93,155,295.8 105,043,905.1 117,450,628.3 129,860,559.7 143,859,771.5 Gross Claim
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Asuransi Wajib/ Mandatory Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Premi Bruto 1,011,414.4 2,046,868.2 3,003,955.0 4,055,377.7 5,030,335.6 5,976,428.1 7,056,870.1 8,112,977.9 8,950,347.5 10,011,731.2 11,049,294.6 12,005,987.9 Gross Premium
2 Klaim Bruto 1,540,630.3 2,637,221.2 3,674,103.7 4,790,543.8 6,090,047.2 7,161,497.1 8,530,753.2 9,844,260.0 11,168,888.0 12,512,371.9 13,724,929.9 14,809,894.7 Gross Claim
 Daftar Istilah
Asuransi
Perjanjian antara dua pihak, yaitu perusahaan asuransi dan
pemegang polis, yang menjadi dasar bagi penerimaan premi oleh
perusahaan asuransi sebagai imbalan untuk:
a.    memberikan penggantian kepada tertanggung atau pemegang
polis karena kerugian, kerusakan, biaya yang timbul, kehilangan
keuntungan, atau tanggung jawab hukum kepada pihak ketiga yang
mungkin diderita tertanggung atau pemegang polis karena terjadinya
suatu peristiwa yang tidak pasti; atau
b.    memberikan pembayaran yang didasarkan pada meninggalnya
tertanggung atau pembayaran yang didasarkan pada hidupnya
tertanggung dengan manfaat yang besarnya telah ditetapkan
dan/atau didasarkan pada hasil pengelolaan dana.
Usaha Asuransi Jiwa
Usaha yang menyelenggarakan jasa penanggulangan risiko dengan
memberikan pembayaran kepada pemegang polis, tertanggung, atau
pihak Lain yang berhak dalam hal tertanggung meninggal dunia atau
tetap hidup, atau pembayaran lain kepada pemegang polis,
tertanggung, atau pihak lain yang berhak pada waktu tertentu yang
diatur dalam perjanjian, yang besarnya telah ditetapkan dan/atau
didasarkan pada hasil pengelolaan dana.
Usaha Asuransi Umum
Usaha jasa pertanggungan risiko yang memberikan penggantian
kepada tertanggung atau pemegang polis karena kerugian,
kerusakan, biaya yang timbul, kehilangan keuntungan, atau tanggung
jawab hukum kepada pihak ketiga yang mungkin diderita tertanggung
atau pemegang polis karena terjadinya suatu peristiwa yang tidak
pasti.
Glossary
Insurance
An agreement between two parties, namely the insurance company
and the policy holder, which becomes the basis for the receipt of
premium by the insurance company as an exchange for:
a.       the provision of a compensation to the insured or policy holder
due to loss, damage, incurring cost, profit loss, or legal liability
towards the a third party which may be suffered by the insured or
policy holder due to an uncertain event; or
b.       the provision of a payment on the basis of the death of the
insured or a payment on the basis of the life of the insured with a
benefit the value of which has been determined and/or based on the
result of the fund management.
Life Insurance Business
A business conducting the risk transfer services and provides
payment toward the policy holder, the insured, or other parties entitled
in the event of the death or life of the insured, or other payments to
the policy holder, the insured, or other parties entitled in a specific
time as set in the agreement, the amount of which has been
stipulated and/or based on the result of the fund management.
General Insurance Business
A business of risk insurance service that provides compensation to
the insured or policy holder due to loss, damage, incurring cost, loss
of profit, or legal liability towards the third party which may be suffered
by the insured or policy holder due to an uncertain event.
Usaha Reasuransi
Asuransi Wajib
Asuransi Sosial
Rasio Kecukupan Premi terhadap
Pembayaran Klaim
Rasio Kecukupan Premi terhadap
Pembayaran Klaim dan Biaya Umum
Rasio Kecukupan Premi dan Hasil
Investasi terhadap Pembayaran Klaim
Rasio Kecukupan Premi dan Hasil
Investasi terhadap Pembayaran Klaim
dan Biaya Umum
Usaha jasa pertanggungan ulang terhadap risiko yang dihadapi oleh
perusahaan asuransi, perusahaan penjaminan, atau perusahaan
reasuransi lainnya.
Merupakan program asuransi yang dijalankan oleh PT. ASABRI
(Persero), PT. Taspen (Persero) dan PT. Jasa Raharja (Persero)
Merupakan program yang dijalankan oleh BPJS Kesehatan dan BPJS
Ketenagakerjaan
Total Premi dibagi dengan total pembayaran klaim. Rasio ini
menunjukkan kecukupan premi yang diterima oleh
perusahaan asuransi untuk menutupi pembayaran klaim pada
periode yang sama.
Total Premi dibagi dengan total pembayaran klaim dan biaya.
Rasio ini menunjukkan kecukupan premi yang diterima oleh
perusahaan asuransi untuk menutupi pembayaran klaim dan
biaya-biaya operasional, seperti biaya umum, biaya
administrasi, dan biaya pemasaran, pada periode yang sama
Total premi dengan hasil investasi dibagi dengan total
pembayaran klaim. Rasio ini menunjukkan kecukupan premi
yang diterima serta hasil pengembangan investasi yang
diterima oleh perusahaan asuransi untuk menutupi
pembayaran klaim pada periode yang sama
Total premi dengan hasil investasi dibagi dengan total
pembayaran klaim dan biaya umum. Rasio ini menunjukkan
kecukupan premi yang diterima serta hasil pengembangan
investasi yang diterima oleh perusahaan untuk menutupi
pembayaran klaim dan biaya-biaya operasional, seperti biaya
umum, biaya administrasi, dan biaya pemasaran, pada
periode yang sama
Reinsurance Business
Mandatory Insurance
Social Insurance
Premium Adequacy to Claim Paid Ratio
Premium Adequacy to Claim Paid and
General Expenses Ratio
Premium and Investment Yield Adequacy Total premium and investment yield divided by total claim
to Claim Paid Ratio
Premium and Investment Yield Adequacy Total Premium and investment yield divided by total claim
to Claim Paid and General Expenses
Ratio
A business providing reinsurance service towards the risk faced by
insurance companies, guarantee companies, or other reinsurance
companies.
Insurance program administering by PT. ASABRI (Persero), PT.
Taspen (Persero) and PT. Jasa Raharja (Persero)\
Program administering by BPJS Kesehatan and BPJS
Ketenagakerjaan
Total Premium divided by total claim paid. This ratio shows
the adequacy of premium received by insurance companies to
cover claim paymnet at the same period.
Total premium divided by total claim and expenses paid. This
ratio shows the adequacy of premium received by insurance
companies to cover claim payment and operational expenses,
such as general expenses, administration expenses and
marketing expense at the same period.
paid. This ratio shows adequacy of premium and investment
yield received by insurance companies to cover claim
payment at the same period.
paid and general expenses. This ratio shows adequacy of
premium and investment yield received by insurance
companies to cover claim payment and operational expenses,
such as general expenses, administration expenses and
marketing expenses at the same period.
Rasio Sesi Asuransi
Rasio Investasi terhadap Cadangan
Teknis
Total premi reasuransi dibagi total premi bruto. Rasio ini
digunakan untuk mengetahui seberapa besar premi asuransi
umum yang disesikan ke perusahaan reasuransi.
Total investasi dibagi total cadangan teknis. Rasio ini
digunakan untuk mengetahui seberapa besar ketahanan
invetasi perusahaan dalam memenuhi kewajiban kepada
pemegang polis. Kewajiban kepada pemegang polis tercermin
dalam cadangan teknis.
Cession Ratio Total reinsurance premium divided by total gross premium.
This ratio shows how much premium from general insurance
transfer to reinsurance companies.
Investment to Gross Technical Reserve Total investment divided by total technical reserve. This ratio
Ratio shows the endurance of companies investment to cover
liability to the policy holder. Liability to policy holder shows in
technical reserve.