Statistik Asuransi Indonesia / Indonesia Insurance Statistics

2018
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 990,815,392 995,518,311 984,671,007 985,123,785 991,157,984 980,712,767 993,305,898 1,000,177,055 1,006,436,587 997,243,876 1,021,489,515 1,036,640,793 Total Investment
Total Bukan Investasi 160,806,098 162,714,881 162,471,628 165,290,157 165,437,000 169,389,025 170,381,553 167,658,945 168,678,119 169,741,871 169,361,648 172,988,140 Total Non Investment
Total Aset 1,151,621,491 1,158,233,191 1,147,142,635 1,150,413,942 1,156,594,984 1,150,101,792 1,163,688,192 1,167,836,000 1,175,114,707 1,166,985,747 1,190,851,163 1,209,628,933 Total Assets

Total Liabilitas 677,166,628 688,331,529 681,111,029 685,158,686 695,093,530 697,391,779 706,068,970 708,438,099 709,112,104 709,345,894 720,371,346 728,018,892 Total Liabilities
Total Pinjaman Subordinasi 1,392,239 1,389,265 1,458,317 1,454,995 1,343,245 1,343,397 1,341,870 1,323,699 1,323,908 1,354,454 1,512,533 1,550,667 Total Subordinate Loan
Total Ekuitas 473,062,623 468,512,397 464,573,289 463,800,261 460,158,209 451,366,616 456,277,353 458,074,202 464,678,695 456,285,399 468,967,284 480,059,374 Total Equities

Premi* 36,599,902 71,414,673 106,591,208 144,734,930 179,783,424 214,904,493 252,159,167 286,313,688 319,926,955 355,527,448 390,369,884 433,298,450 Premium
Klaim 26,326,525 52,086,517 77,442,156 101,629,121 129,148,562 150,843,118 178,869,629 206,014,639 233,060,547 256,739,555 285,235,534 316,128,778 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 142.2% 130.4% 142.6% 136.2% 133.9% 130.9% 131.6% 131.1% 129.6% 132.3% 130.9% 130.7% Premium Adequacy to Claim Paid Ratio

Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 128.0% 117.8% 126.9% 121.7% 119.7% 116.9% 117.6% 117.1% 115.8% 117.9% 116.7% 116.5% Premium Adequacy to Claim Paid and General Expenses Ratio

Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 205.2% 162.0% 137.4% 129.3% 132.2% 120.6% 127.5% 128.7% 128.1% 126.5% 130.7% 135.3% Premium and Investment Yield Adequacy to Claim Paid Ratio

Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 184.8% 146.4% 122.3% 115.5% 118.2% 107.7% 113.9% 114.9% 114.5% 112.6% 116.5% 120.6% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio

Rasio Sesi Asuransi 2.8% 3.0% 3.0% 2.9% 2.8% 2.7% 2.7% 2.7% 2.7% 2.7% 2.8% 2.8% Cession Ratio

Rasio Investasi terhadap Cadangan Teknis 115.0% 114.6% 115.2% 115.4% 114.8% 113.7% 113.5% 112.9% 113.7% 113.2% 113.5% 113.3% Investment to Gross Technical Reserve Ratio

Rasio Asuransi Umum

Rasio Kecukupan Premi terhadap Pembayaran Klaim 310.1% 271.8% 272.2% 268.4% 262.3% 276.3% 266.8% 253.0% 247.4% 242.7% 239.0% 237.3% Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 221.7% 190.8% 190.9% 189.0% 182.4% 188.6% 183.1% 175.7% 172.7% 169.7% 167.1% 168.8% Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 327.3% 286.7% 289.1% 283.5% 277.7% 293.5% 283.8% 269.3% 263.5% 258.0% 254.2% 251.8% Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 234.0% 201.3% 202.8% 199.6% 193.1% 200.3% 194.8% 187.0% 184.0% 180.4% 177.8% 179.0% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 42.8% 41.8% 40.7% 41.6% 41.3% 44.0% 43.1% 43.0% 42.7% 42.6% 42.3% 43.2% Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 129.9% 129.6% 125.6% 119.8% 121.1% 118.3% 119.9% 119.9% 118.9% 119.7% 118.5% 118.5% Investment to Gross Technical Reserve Ratio

Rasio Reasuransi
Rasio Kecukupan Premi terhadap Pembayaran Klaim 338.5% 323.5% 299.9% 296.5% 286.4% 288.9% 273.3% 269.3% 255.0% 251.0% 246.1% 243.0% Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 307.6% 295.5% 275.7% 273.0% 262.0% 263.1% 249.6% 245.5% 233.7% 230.3% 226.6% 223.1% Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 364.1% 340.2% 310.6% 306.9% 296.5% 293.0% 278.0% 274.8% 260.4% 256.5% 251.7% 249.1% Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 330.8% 310.7% 285.6% 282.5% 271.3% 266.9% 253.9% 250.6% 238.7% 235.3% 231.7% 228.7% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 47.4% 46.4% 48.2% 47.2% 44.8% 46.5% 45.6% 44.6% 43.4% 43.4% 42.6% 41.2% Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 121.2% 116.8% 116.2% 113.8% 109.9% 103.0% 103.8% 101.0% 96.7% 97.6% 97.8% 99.9% 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 39,835,900.4 39,057,404.9 39,242,143.5 38,901,796.2 38,779,315.3 39,595,891.2 39,398,119.9 36,933,091.2 37,921,235.4 37,503,259.2 37,073,003.3 35,705,371.9 Time Deposit
2 Sertifikat Deposito 120,000.0 120,000.0 120,000.0 120,000.0 201,171.2 199,239.4 120,000.0 120,000.0 120,000.0 120,000.0 20,000.0 20,000.0 Certificate Of Deposit
3 Saham 145,567,216.3 144,658,068.7 135,809,276.1 135,291,423.4 137,887,977.7 134,767,134.3 137,639,492.5 138,603,330.9 137,718,322.0 132,978,207.9 136,280,430.1 141,369,978.5 Stocks
4 Obligasi Korporasi 31,143,133.9 31,237,546.8 30,650,873.5 30,360,226.4 30,314,296.8 30,015,613.6 30,731,581.2 31,388,475.6 31,486,211.0 30,520,798.2 30,098,630.4 25,767,647.8 Bonds
5 MTN 1,798,426.2 1,961,436.6 2,062,849.4 1,622,709.7 1,783,689.7 1,794,950.9 1,763,226.3 2,076,426.3 1,975,156.8 2,030,585.4 2,328,166.9 2,554,815.3 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 59,359,268.3 61,044,609.4 61,967,898.9 61,433,212.5 61,681,138.5 60,601,999.3 61,372,979.6 61,703,591.6 61,457,567.9 60,987,213.8 62,324,320.8 63,826,526.5 Marketable Securities Issued By Republic Indonesia
7 Surat Berharga yang Diterbitkan oleh Negara Selain Negara RI 846,168.4 837,723.2 863,171.6 852,147.5 871,249.3 898,894.4 883,825.2 913,488.6 898,561.0 888,932.8 849,782.8 900,271.6 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 168,811,703.6 168,953,102.5 167,721,747.9 167,702,137.0 166,706,633.1 161,227,195.7 162,204,287.5 161,870,626.7 162,618,683.4 160,702,080.1 165,748,341.6 167,105,453.1 Mutual Fund
11 Efek Beragun Aset 173,519.4 222,536.5 217,346.6 215,720.6 232,471.5 221,842.7 231,975.7 219,056.1 212,245.1 211,669.9 213,724.6 207,005.7 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat 9,000.4 8,908.6 9,184.1 9,184.1 9,184.1 9,184.1 9,184.1 9,184.1 9,184.1 8,908.6 8,724.9 9,184.1 Real Estate Investment Fund
13 REPO - - - - - - - - - - - Repurchase Order
14 Penyertaan Langsung 5,193,658.5 5,370,557.7 5,957,444.5 8,381,866.5 8,370,872.6 8,453,233.2 8,511,336.9 8,554,188.0 8,757,347.1 8,730,272.3 8,792,345.7 7,747,713.2 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 10,223,770.6 10,223,739.4 11,223,713.4 11,435,946.6 11,463,748.6 11,924,658.0 12,086,632.6 12,180,826.0 12,180,799.9 12,310,321.6 12,233,516.8 15,504,539.9 Buildings With Strata Title or Real Estate For Investment
16 Pembelian Piutang untuk Perusahaan Pembiayaan dan/atau Bank Refinancing
17 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 290,100.8 290,100.8 290,100.8 290,100.8 290,100.8 320,100.8 320,100.8 320,100.8 320,100.8 320,100.8 320,100.8 320,100.8 Executing
18 Emas Murni - - - - - - - - - - - Gold
19 Pinjaman yang Dijamin dengan Hak Tanggungan 132,858.4 135,246.6 196,138.3 204,405.5 209,882.2 219,717.1 221,123.7 233,031.9 255,933.5 259,060.2 244,114.5 164,461.7 Mortgage
20 Pinjaman Polis *) 1,966,545.9 2,023,713.9 2,030,093.4 2,037,521.8 2,051,900.6 2,099,802.5 2,094,375.4 2,114,587.4 2,126,700.1 2,148,237.8 2,149,186.1 2,146,566.7 Policy Loan
21 Investasi Lain 585,896.7 591,051.1 608,347.2 643,484.8 669,390.6 706,654.0 743,566.8 780,555.2 819,588.7 865,902.5 895,185.4 612,026.9 Other Investment
22 Jumlah Investasi 466,057,167.9 466,735,746.9 458,970,329.2 459,501,883.3 461,523,022.6 453,056,111.4 458,331,808.3 458,020,560.5 458,877,636.9 450,585,551.0 459,579,574.6 463,961,663.6 Total Investment
23 Kas dan Bank 8,831,436.4 8,447,820.9 8,791,788.4 8,118,112.9 8,514,339.3 8,171,901.2 8,513,626.0 8,544,761.8 8,396,233.6 8,419,582.5 8,479,073.9 8,059,201.5 Cash and Bank
24 Tagihan Premi Penutupan Langsung 4,643,256.5 4,911,869.8 4,402,148.3 4,422,868.4 4,313,527.4 4,230,252.2 4,182,239.0 3,843,881.3 4,033,984.9 3,875,513.2 3,608,841.9 3,516,623.7 Premium Receivable
25 Tagihan Premi Reasuransi 409,554.3 168,261.8 144,312.4 28,516.3 34,554.0 39,813.4 7,441.4 7,908.0 12,382.5 14,221.2 1,070.2 735.2 Reinsurance Premium Receivable
26 Aset Reasuransi 3,028,395.4 3,123,976.1 3,216,026.0 3,260,839.9 3,298,957.5 3,314,245.7 3,301,146.0 3,249,842.2 3,486,658.5 3,527,684.2 3,526,989.3 3,574,342.4 Reinsurance Asset
27 Tagihan Klaim Koasuransi 6,521.2 7,166.1 47,803.5 46,530.0 47,853.7 48,205.1 49,591.1 50,077.2 53,148.6 51,401.4 52,952.6 55,391.8 Coinsurance Claim Receivable
28 Tagihan Klaim Reasuransi 1,527,027.5 1,873,956.8 1,938,320.1 2,146,193.1 2,152,161.5 2,212,469.9 2,301,669.0 2,381,226.5 2,289,163.6 2,457,944.1 2,414,357.1 2,231,800.2 Reinsurance Claim Receivable
29 Tagihan Reasuransi Reinsurance Receivable
30 Tagihan Investasi 255,974.5 84,082.0 349,975.9 130,763.0 166,685.1 331,354.0 545,340.8 136,061.2 398,858.8 312,207.2 344,918.2 1,360,689.7 Investment Receivable
31 Tagihan Hasil Investasi 3,002,190.3 3,043,608.1 3,016,239.4 3,204,736.0 3,067,966.5 3,420,715.3 3,502,409.7 3,624,296.2 3,665,216.5 4,280,504.6 3,606,130.2 3,430,893.1 Investment Yield Receivable
32 Pinjaman Polis Policy Loan
33 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 5,022,548.5 4,977,956.3 4,981,303.5 5,133,383.8 5,143,646.2 5,140,214.7 4,972,095.7 4,935,568.9 4,941,604.0 4,949,261.0 4,974,573.4 4,983,992.4 Property
34 Biaya Akuisisi yang Ditangguhkan 16,325.5 16,048.3 10,418.1 32,828.3 58,540.4 64,295.4 73,124.0 81,253.6 88,375.3 96,888.2 104,917.5 111,358.1 Deferred Acquisition Cost
35 Aset Tetap Lain 1,780,567.4 1,826,836.7 1,864,066.3 1,879,775.0 1,877,135.4 1,898,618.9 1,900,689.9 1,893,834.7 1,913,019.8 1,884,298.6 1,906,732.2 1,937,694.6 Other Fixed Assets
36 Aset Lain 28,426,710.9 27,602,198.2 28,536,071.9 29,534,910.6 29,203,678.6 27,437,220.9 27,955,125.8 28,626,440.9 28,185,134.3 28,665,481.3 28,766,707.6 27,408,701.6 Other Assets
37 Jumlah Bukan Investasi 56,950,508.3 56,083,781.1 57,298,473.8 57,939,457.3 57,879,045.7 56,309,306.9 57,304,498.4 57,375,152.4 57,463,780.4 58,534,987.6 57,787,264.1 56,671,424.5 Total Non Investment
38 JUMLAH ASET 523,007,676.2 522,819,528.0 516,268,803.0 517,441,340.6 519,402,068.3 509,365,418.3 515,636,306.7 515,395,712.9 516,341,417.3 509,120,538.6 517,366,838.7 520,633,088.1 Total Assets
39 Utang Klaim 3,718,218.9 3,389,679.4 3,471,676.1 2,902,363.4 2,972,832.8 4,057,509.9 4,266,697.2 4,559,939.8 5,233,720.7 8,157,425.4 9,143,859.5 10,412,994.3 Claims Payable
40 Utang Koasuransi (27,091.9) (27,446.8) 45,470.7 49,984.8 91,603.3 88,480.1 47,403.9 50,517.3 56,229.7 61,461.1 59,216.3 60,047.7 Coinsurance Payable
41 Utang Reasuransi 2,589,602.9 2,740,005.7 2,959,016.8 2,988,509.7 3,024,218.3 2,861,256.2 2,983,616.6 3,014,417.4 2,895,348.0 2,976,588.7 2,853,247.4 2,617,581.4 Reinsurance Payable
42 Utang Komisi 1,906,633.4 1,912,631.5 1,590,866.9 1,595,414.6 1,566,239.0 1,578,355.8 1,547,718.7 1,617,816.1 1,716,010.2 1,698,644.5 1,750,521.9 1,828,427.0 Commission Payable
43 Utang Pajak 798,985.0 806,070.9 847,751.3 617,497.7 585,957.7 530,614.0 620,312.1 705,059.9 747,421.2 759,387.8 946,739.3 883,895.5 Tax Payable
44 Biaya yang Masih Harus Dibayar 4,432,597.4 4,477,977.2 4,267,637.7 4,109,190.6 4,121,165.0 4,371,770.5 4,397,052.9 4,492,634.6 4,627,137.7 4,802,390.0 4,956,103.3 4,999,275.5 Accrued Expense
45 Utang Lain 12,311,725.8 11,047,609.4 13,680,509.5 14,283,684.3 14,846,018.1 13,744,040.9 14,881,001.6 14,467,002.6 16,408,359.5 18,004,008.8 17,505,681.0 15,304,605.1 Others Payable
46 Jumlah Utang 25,730,671.4 24,346,527.3 26,862,929.1 26,546,645.1 27,208,034.1 27,232,027.4 28,743,803.1 28,907,387.7 31,684,227.1 36,459,906.3 37,215,368.7 36,106,826.6 Total Payable
47 Cadangan Premi 397,873,852.5 399,973,574.0 391,100,196.6 390,388,019.8 394,371,670.6 390,984,849.7 396,209,672.9 398,010,641.0 396,245,109.0 390,626,484.0 397,594,186.5 401,291,653.3 Premium Reserve
48 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 3,597,028.9 3,619,120.3 3,548,361.8 3,863,789.1 3,637,726.3 3,497,758.5 3,665,641.8 3,438,962.4 3,341,143.1 3,189,510.5 2,983,698.6 2,916,572.1 Unearned Premium Reserve
49 Cadangan Klaim 3,731,439.4 3,755,675.8 3,877,213.7 3,869,435.2 3,909,468.0 3,986,155.2 4,004,691.9 4,067,521.8 4,137,822.4 4,219,809.3 4,331,109.9 5,232,265.7 Claim Reserve
50 Cadangan atas Risiko Bencana (Catastrophic) 10,561.8 51,744.6 10,346.1 10,151.7 9,870.7 9,633.5 9,817.9 9,635.9 9,769.4 30,596.5 31,756.9 105,264.3 Catastrophic Reserve
51 Jumlah Cadangan Teknis 405,212,882.5 407,400,114.7 398,536,118.3 398,131,395.7 401,928,735.6 398,478,397.0 403,889,824.5 405,526,761.1 403,733,843.8 398,066,400.3 404,940,751.9 409,545,755.4 Total Technical Reserve
52 Jumlah Liabilitas 430,943,553.9 431,746,642.0 425,399,047.4 424,678,040.9 429,136,769.7 425,710,424.4 432,633,627.5 434,434,148.7 435,418,070.9 434,526,306.5 442,156,120.6 445,652,582.0 Total Liabilities
53 Pinjaman Subordinasi 557,522.1 557,522.1 557,522.1 557,522.1 557,522.1 557,522.1 555,922.1 537,522.1 537,522.1 537,522.1 537,522.1 538,684.1 Subordinate Loan
54 Modal Disetor 24,887,417.7 25,001,892.0 27,157,837.0 25,125,837.0 25,385,837.0 25,660,837.0 25,660,837.0 25,672,712.0 25,702,712.0 25,790,712.0 25,790,712.0 26,442,212.0 Paid in Capital
55 Agio Saham 19,798,685.5 19,798,797.9 19,798,816.6 19,808,497.4 19,774,896.8 19,775,069.9 19,775,073.4 19,775,187.3 19,775,270.6 19,775,384.5 19,775,045.1 19,775,099.4 Premium Stock
56 Saldo Laba 25,181,266.1 25,577,775.6 24,558,763.6 24,867,724.2 23,661,075.5 19,849,981.2 20,478,735.0 18,683,135.7 19,759,803.6 13,792,819.9 11,737,070.8 13,311,749.9 Retained Earning
57 Komponen Ekuitas Lainnya 21,639,230.9 20,136,898.4 18,796,816.3 22,403,719.1 20,885,967.3 17,811,583.6 16,532,111.6 16,293,007.1 15,148,038.2 14,697,793.6 17,370,368.1 14,912,760.7 Other Equity Components
58 Jumlah Ekuitas 91,506,600.2 90,515,363.8 90,312,233.5 92,205,777.7 89,707,776.5 83,097,471.8 82,446,757.0 80,424,042.1 80,385,824.3 74,056,710.0 74,673,196.0 74,441,821.9 Total Equities
59 JUMLAH LIABILITAS DAN EKUITAS 523,007,676.2 522,819,528.0 516,268,803.0 517,441,340.6 519,402,068.3 509,365,418.3 515,636,306.7 515,395,712.9 516,341,417.4 509,120,538.6 517,366,838.7 520,633,088.1 Total Liabilities and Equities

Sejak Agustus 2017, terdapat beberapa penyesuaian pada laporan sesuai dengan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
*) Pinjaman Polis dikategorikan menjadi instrumen investasi sejak Agustus 2017 berdasarkan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
 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 22,924,538.7 23,469,863.6 23,994,654.5 23,661,507.7 24,162,608.1 24,679,191.0 24,889,569.9 24,941,082.7 25,278,559.6 25,681,129.9 25,679,958.9 26,136,309.2 Time Deposit
2 Sertifikat Deposito 216,015.5 213,259.3 198,655.3 203,900.9 190,551.2 191,420.7 204,989.0 222,994.0 223,986.5 242,820.8 244,312.0 233,600.2 Certificate Of Deposit
3 Saham 3,752,960.6 3,912,111.7 4,028,733.6 4,138,850.2 4,344,792.9 4,224,561.1 4,372,702.2 4,380,852.8 4,172,492.2 4,144,949.5 4,090,002.1 3,822,639.6 Stocks
4 Obligasi Korporasi 7,938,994.1 8,057,544.1 8,196,932.7 8,193,759.1 8,327,727.2 8,064,535.5 8,001,201.1 8,146,809.1 8,099,696.4 8,181,989.9 8,008,955.0 7,797,367.1 Bonds
5 MTN 33,737.8 36,737.8 39,805.8 41,707.5 40,707.5 40,707.5 62,714.4 62,714.3 65,812.5 68,812.3 71,312.2 71,312.1 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 8,947,964.4 9,058,444.5 8,853,731.6 9,063,243.2 9,271,144.8 9,288,906.7 9,496,832.3 9,558,156.1 9,638,002.9 9,270,950.8 9,406,939.4 9,597,457.2 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 - - - - 2,500.0 2,500.0 2,500.0 2,500.0 - - - - Marketable Securities Issued By Bank Indonesia
9 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional - 20,745.0 20,590.0 - - - - 2,500.0 2,500.0 2,500.0 2,500.0 Marketable Securities Issued By Multinational Institution
10 Reksa Dana 14,495,603.0 14,692,525.0 15,010,851.4 14,936,812.1 14,827,267.7 14,593,780.7 14,897,238.6 15,357,775.9 15,293,770.8 15,344,183.4 15,767,876.7 15,857,110.4 Mutual Fund
11 Efek Beragun Aset 14,015.8 19,015.3 18,404.0 17,549.9 17,549.9 16,968.5 21,385.7 22,355.1 21,800.4 20,160.1 21,100.4 19,576.2 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat - - - - - - - - - - - Real Estate Investment Fund
13 REPO - - - - - - - - - - - Repurchase Order
14 Penyertaan Langsung 7,172,243.9 7,202,314.6 7,288,071.3 6,624,783.5 6,691,360.0 6,761,980.4 6,749,646.9 6,859,955.8 6,887,118.6 6,978,917.0 6,887,554.0 6,949,037.8 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 650,752.1 650,545.1 652,667.7 653,014.7 651,314.4 651,205.0 648,470.3 668,951.6 931,159.1 931,149.8 930,931.0 944,748.0 Buildings With Strata Title or Real Estate For Investment
16 Pembelian Piutang untuk Perusahaan Pembiayaan dan/atau Bank Refinancing
17 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 206,000.0 209,131.2 209,117.9 209,104.5 214,077.7 214,077.7 211,000.0 214,051.0 211,000.0 214,024.2 214,010.8 219,010.8 Executing
18 Emas Murni 63.5 63.8 64.7 65.3 65.3 64.4 65.4 65.2 66.3 68.2 65.0 66.7 Gold
19 Pinjaman yang Dijamin dengan Hak Tanggungan 43,650.5 40,963.7 42,750.5 43,849.7 43,342.3 37,932.1 41,065.9 37,108.6 40,513.8 38,467.2 38,042.5 37,629.7 Mortgage
20 Pinjaman Polis *) - - - - - - - - - - - Policy Loan
21 Investasi Lain 382,158.4 383,501.0 375,629.1 432,167.3 430,061.1 431,569.9 431,280.4 343,176.6 283,127.3 233,859.2 234,572.2 234,937.2 Other Investment
22 Jumlah Investasi 66,778,698.2 67,966,765.7 68,930,659.9 68,220,315.5 69,215,070.0 69,199,401.3 70,030,662.3 70,818,548.7 71,149,606.4 71,353,982.4 71,598,132.4 71,923,302.2 Total Investment
23 Kas dan Bank 3,871,005.9 3,551,892.6 3,443,066.6 3,516,461.0 3,214,835.2 3,172,806.9 3,826,663.4 3,598,896.4 3,381,307.7 3,447,578.7 3,467,345.5 3,432,567.3 Cash and Bank
24 Tagihan Premi Penutupan Langsung 17,236,093.7 16,873,139.7 16,135,812.6 15,987,530.3 15,921,297.4 17,611,662.4 15,923,394.7 15,319,689.9 14,692,195.4 14,253,117.6 14,122,559.3 16,746,133.9 Premium Receivable
25 Tagihan Premi Reasuransi 2,334,493.5 2,839,615.0 2,287,432.9 1,951,447.9 1,891,188.7 1,930,209.7 1,940,575.9 2,015,107.6 1,883,725.6 1,852,960.3 1,837,167.9 2,177,361.1 Reinsurance Premium Receivable
26 Aset Reasuransi 25,047,881.1 26,053,176.9 28,804,807.5 30,481,013.5 30,765,856.4 31,878,450.1 31,660,482.5 32,348,245.5 33,233,546.7 32,818,331.1 33,891,085.2 33,883,124.0 Reinsurance Asset
27 Tagihan Klaim Koasuransi 848,820.1 786,838.7 726,763.4 869,555.0 862,604.9 1,090,207.1 1,107,480.8 965,262.0 1,141,629.3 1,059,305.6 976,705.5 1,160,864.1 Coinsurance Claim Receivable
28 Tagihan Klaim Reasuransi 2,153,388.2 2,737,997.2 2,810,459.6 2,943,544.8 3,039,630.6 2,881,036.4 3,042,754.0 3,016,710.3 3,042,121.2 3,059,691.2 3,024,024.3 3,246,184.5 Reinsurance Claim Receivable
29 Tagihan Reasuransi Reinsurance Receivable
30 Tagihan Investasi 42,426.2 44,908.9 5,105.9 19,109.7 16,388.0 88,947.6 11,100.6 8,623.9 4,232.4 18,251.0 68,181.2 45,779.9 Investment Receivable
31 Tagihan Hasil Investasi 338,390.8 353,029.6 340,477.8 386,169.8 366,752.2 452,741.7 397,396.9 437,683.9 369,619.9 371,874.1 264,869.6 369,926.3 Investment Yield Receivable
32 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 2,514,913.3 2,428,987.1 2,426,497.0 2,434,812.6 2,448,005.2 2,465,831.8 2,457,878.2 2,436,696.2 2,475,767.5 2,497,238.2 2,485,125.8 2,483,802.8 Property
33 Biaya Akuisisi yang Ditangguhkan 351,588.4 358,192.0 366,813.5 405,452.9 431,590.2 432,974.8 440,610.1 454,211.4 457,827.4 452,556.2 458,329.5 464,358.1 Deferred Acquisition Cost
34 Aset Tetap Lain 980,429.3 976,902.7 978,220.6 981,041.0 972,748.5 960,718.0 967,463.1 963,185.0 895,407.3 923,169.6 928,378.3 991,492.7 Other Fixed Assets
35 Aset Lain 7,523,565.2 7,771,493.5 8,296,629.3 7,809,875.3 7,776,308.7 7,769,281.9 7,949,231.5 7,917,179.0 7,927,397.9 8,298,835.6 8,206,269.6 8,426,865.4 Other Assets
36 Jumlah Bukan Investasi 63,242,995.7 64,776,173.8 66,622,086.8 67,786,013.8 67,707,206.1 70,734,868.5 69,725,031.7 69,481,491.1 69,504,778.3 69,052,909.1 69,730,041.7 73,428,460.0 Total Non Investment
37 JUMLAH ASET 130,021,693.9 132,742,939.6 135,552,746.7 136,006,329.3 136,922,276.1 139,934,269.9 139,755,694.0 140,300,039.8 140,654,384.8 140,406,891.4 141,328,174.1 145,351,762.2 Total Assets
38 Utang Klaim 1,689,142.6 1,605,024.5 1,578,000.0 1,739,246.0 1,890,552.3 1,729,188.3 1,767,274.8 1,955,539.9 2,186,649.8 1,860,976.2 1,935,656.2 2,101,732.5 Claims Payable
39 Utang Koasuransi 834,261.9 754,192.5 841,035.0 925,262.4 895,193.2 1,000,017.5 980,017.1 908,113.9 803,879.3 992,932.5 899,656.8 1,402,092.9 Coinsurance Payable
40 Utang Reasuransi 7,574,522.1 8,426,817.2 7,966,727.4 7,338,126.9 7,255,073.4 9,239,576.8 8,466,464.1 7,487,230.4 7,409,859.2 6,778,864.0 6,410,374.4 8,249,401.1 Reinsurance Payable
41 Utang Komisi 1,817,508.3 1,852,785.5 1,820,967.3 1,777,395.3 1,804,802.0 1,826,028.7 1,798,081.3 1,834,771.1 1,796,647.7 1,801,256.9 1,794,781.1 1,713,516.4 Commission Payable
42 Utang Pajak 386,043.5 421,532.8 395,933.8 240,701.1 294,251.5 376,358.8 381,725.3 351,118.9 368,838.2 354,905.6 373,070.4 466,081.3 Tax Payable
43 Biaya yang Masih Harus Dibayar 2,233,756.8 2,964,711.2 2,922,790.2 3,023,184.8 2,815,322.0 2,481,325.9 2,729,343.3 2,963,072.8 2,717,412.9 3,080,659.5 2,906,179.5 3,165,179.9 Accrued Expense
44 Utang Lain 10,907,450.6 11,038,219.4 11,395,886.7 11,462,176.6 11,601,135.6 11,531,256.6 11,471,371.8 11,668,037.7 11,544,216.7 11,952,966.9 11,829,721.4 11,654,919.4 Others Payable
45 Jumlah Utang 25,442,685.8 27,063,283.0 26,921,340.4 26,506,093.2 26,556,330.0 28,183,752.6 27,594,277.6 27,167,884.6 26,827,503.8 26,822,561.6 26,149,439.8 28,752,923.4 Total Payable
46 Cadangan Premi 8,632,217.1 8,891,054.6 9,109,344.1 9,682,240.7 9,554,794.9 9,715,788.2 9,394,291.7 9,488,998.2 9,457,142.9 9,421,121.0 8,969,716.8 9,443,021.9 Premium Reserve
47 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 21,470,294.8 21,549,840.9 22,194,544.9 21,841,678.3 21,545,373.6 22,049,976.0 21,833,032.5 21,293,100.5 20,907,198.8 19,491,048.0 18,948,708.4 20,437,315.8 Unearned Premium Reserve
48 Cadangan Klaim 21,230,706.9 21,933,464.1 23,522,185.6 25,353,826.4 25,961,815.0 26,668,173.3 27,119,718.4 28,206,798.8 29,423,015.3 30,635,748.3 32,210,855.6 30,747,078.7 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 71,414.6 74,804.2 74,169.3 78,821.3 71,954.0 67,958.9 61,530.9 61,288.6 64,854.6 60,103.6 274,634.1 69,667.2 Catastrophic Reserve
50 Jumlah Cadangan Teknis 51,404,633.5 52,449,163.7 54,900,243.8 56,956,566.8 57,133,937.6 58,501,896.3 58,408,573.5 59,050,186.0 59,852,211.7 59,608,020.9 60,403,914.9 60,697,083.6 Total Technical Reserve
51 Jumlah Liabilitas 76,847,319.2 79,512,446.7 81,821,584.2 83,462,660.0 83,690,267.6 86,685,649.0 86,002,851.1 86,218,070.6 86,679,715.5 86,430,582.5 86,553,354.7 89,450,007.0 Total Liabilities
52 Pinjaman Subordinasi 325,237.8 325,397.9 397,584.7 397,588.2 397,489.0 397,641.0 397,714.1 397,942.9 398,152.2 428,698.2 589,728.0 626,699.2 Subordinate Loan
53 Modal Disetor 19,244,035.2 19,336,169.1 19,507,149.1 19,515,183.7 19,534,338.0 19,713,948.0 19,757,758.4 19,757,758.4 19,815,758.4 19,865,758.4 19,866,363.2 20,095,715.6 Paid in Capital
54 Agio Saham 821,676.4 1,003,348.4 815,021.9 820,780.0 1,428,262.5 1,428,194.4 1,494,967.0 1,494,967.0 1,343,827.5 1,309,493.8 1,309,493.8 1,312,130.3 Premium Stock
55 Saldo Laba 24,580,425.3 24,253,569.4 25,479,892.6 25,489,977.3 25,655,023.1 26,227,894.6 26,506,506.1 26,755,631.5 26,637,514.2 26,742,886.9 27,304,690.0 27,970,003.9 Retained Earning
56 Komponen Ekuitas Lainnya 8,203,000.0 8,312,008.0 7,531,514.2 6,320,140.1 6,216,896.0 5,480,943.0 5,595,897.3 5,675,669.4 5,779,416.9 5,629,471.6 5,704,544.5 5,897,206.2 Other Equity Components
57 Jumlah Ekuitas 52,849,137.0 52,905,094.9 53,333,577.9 52,146,081.1 52,834,519.4 52,850,980.0 53,355,128.7 53,684,026.3 53,576,517.0 53,547,610.7 54,185,091.5 55,275,056.0 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 130,021,693.9 132,742,939.5 135,552,746.7 136,006,329.3 136,922,276.1 139,934,269.9 139,755,694.0 140,300,039.8 140,654,384.7 140,406,891.4 141,328,174.1 145,351,762.2 Total Liabilities and Equities

Sejak Agustus 2017, terdapat beberapa penyesuaian pada laporan sesuai dengan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
*) Pinjaman Polis dikategorikan menjadi instrumen investasi sejak Agustus 2017 berdasarkan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi

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 4,198,890.3 4,150,076.1 4,016,537.7 3,811,918.7 3,729,526.9 3,641,408.7 3,572,565.7 3,940,698.9 3,725,130.2 3,466,036.1 3,663,282.6 3,604,307.8 Time Deposit
2 Sertifikat Deposito - - - - - - - - - - - - Certificate Of Deposit
3 Saham 460,837.5 435,401.7 429,985.3 485,107.3 570,387.8 510,370.3 550,828.7 522,328.0 500,586.2 469,576.4 469,552.0 475,964.5 Stocks
4 Obligasi Korporasi 1,916,638.6 1,914,330.2 1,897,538.7 1,842,298.5 1,865,045.9 1,843,413.0 1,949,710.6 1,930,547.7 1,951,263.1 1,877,177.6 1,869,279.6 1,869,987.7 Bonds
5 MTN 187,000.0 185,000.0 253,000.0 253,000.0 253,000.0 110,000.0 117,086.8 117,086.8 117,086.8 117,086.8 117,086.8 117,086.8 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 1,157,948.8 1,265,732.9 1,395,233.2 1,364,912.9 1,374,152.4 1,368,104.7 1,579,868.3 1,597,113.0 1,672,057.9 1,756,342.3 1,850,337.6 1,777,246.7 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 2,138,941.2 2,273,079.4 2,310,036.0 2,511,022.9 2,383,858.1 2,324,614.0 2,024,228.6 2,013,688.4 2,154,470.8 2,237,558.8 2,284,815.2 2,473,040.8 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 823,449.4 742,577.9 742,025.3 663,565.3 657,669.6 691,066.5 694,491.4 664,261.1 671,702.6 665,332.3 701,960.7 712,531.0 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 193,918.3 193,918.3 197,757.6 197,757.6 197,757.6 197,757.6 197,757.6 197,757.6 197,757.6 197,951.8 198,026.9 204,486.1 Buildings With Strata Title or Real Estate For Investment
16 Pembelian Piutang untuk Perusahaan Pembiayaan dan/atau Bank Refinancing
17 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) - - - - - - - - - - - - Executing
18 Emas Murni - - - - - - - - - - - - Gold
19 Pinjaman yang Dijamin dengan Hak Tanggungan - - - - - - - - - - - - Mortgage
20 Pinjaman Polis *) - - - - - - - - - - - - Policy Loan
21 Investasi Lain 43,107.7 43,707.7 44,341.1 48,695.8 41,039.7 39,341.6 69,576.5 75,889.3 73,817.9 42,934.9 42,142.0 39,611.4 Other Investment
22 Jumlah Investasi 11,120,731.7 11,203,824.1 11,286,455.0 11,178,279.0 11,072,438.0 10,726,076.6 10,756,114.2 11,059,370.8 11,063,873.0 10,829,997.0 11,196,483.4 11,274,262.7 Total Investment
23 Kas dan Bank 146,243.7 155,450.8 103,259.9 119,114.6 145,726.7 141,698.0 154,058.1 91,657.6 115,200.4 134,291.3 79,188.1 38,204.0 Cash and Bank
24 Tagihan Premi Penutupan Langsung 651,005.9 765,228.0 1,592,624.4 858,894.8 755,131.3 826,576.5 881,830.5 842,371.3 766,124.3 783,311.4 662,156.0 588,445.3 Premium Receivable
25 Tagihan Premi Reasuransi 2,002,774.4 2,122,551.0 1,103,391.2 1,721,809.1 1,759,795.0 1,897,099.9 1,836,855.4 1,702,937.8 1,809,271.7 1,911,160.8 1,930,741.4 2,096,613.4 Reinsurance Premium Receivable
26 Aset Reasuransi 3,351,375.4 3,643,886.7 3,737,342.1 3,769,840.4 3,891,607.7 4,265,643.3 4,264,004.6 4,690,904.9 5,196,050.1 4,729,548.7 5,102,881.8 4,856,437.7 Reinsurance Asset
27 Tagihan Klaim Koasuransi - - - - - - - - - - - - Coinsurance Claim Receivable
28 Tagihan Klaim Reasuransi 196,301.1 182,132.7 131,690.8 124,885.7 94,522.3 96,243.5 101,317.5 130,448.1 116,268.0 103,577.5 197,988.1 187,152.3 Reinsurance Claim Receivable
29 Tagihan Reasuransi Reinsurance Receivable
30 Tagihan Investasi 55,102.2 30,545.4 6,478.9 940.4 10,549.0 6,877.4 11,000.0 10,691.2 628.0 1,297.9 22,452.5 1,274.4 Investment Receivable
31 Tagihan Hasil Investasi 57,435.6 50,461.5 60,896.2 72,522.8 60,157.7 99,610.7 63,201.1 71,293.2 66,529.1 74,663.1 54,756.9 63,646.0 Investment Yield Receivable
32 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 532,694.5 531,300.9 534,452.2 533,313.7 718,671.3 669,834.5 716,684.4 719,858.8 718,638.8 720,003.7 718,384.3 749,369.9 Property
33 Biaya Akuisisi yang Ditangguhkan - - - - - - - - - - - - Deferred Acquisition Cost
34 Aset Tetap Lain 53,833.9 55,901.0 52,832.1 52,070.2 56,412.5 56,957.8 58,271.0 60,343.9 59,279.3 57,168.2 57,342.5 69,047.9 Other Fixed Assets
35 Aset Lain 827,540.3 803,646.7 828,894.9 888,469.6 1,039,770.0 991,923.8 1,051,356.3 1,072,958.0 1,086,035.1 1,120,367.4 1,125,377.4 1,189,163.0 Other Assets
36 Jumlah Bukan Investasi 7,874,307.2 8,341,104.7 8,151,862.6 8,141,861.5 8,532,343.4 9,052,465.3 9,138,578.9 9,393,464.9 9,934,024.7 9,635,390.0 9,951,268.9 9,839,354.1 Total Non Investment
37 JUMLAH ASET 18,995,038.9 19,544,928.8 19,438,317.6 19,320,140.5 19,604,781.4 19,778,541.9 19,894,693.1 20,452,835.7 20,997,897.7 20,465,387.0 21,147,752.2 21,113,616.8 Total Assets
38 Utang Klaim 363,478.9 370,429.5 408,993.3 339,009.7 343,484.0 421,535.1 441,432.3 410,383.5 472,884.7 512,707.1 541,542.0 413,498.4 Claims Payable
39 Utang Koasuransi - - - - - - - - - - - - Coinsurance Payable
40 Utang Reasuransi 1,074,014.8 1,167,949.4 997,510.0 927,807.4 939,172.0 998,786.4 1,070,470.3 1,140,871.7 1,159,582.8 1,033,813.2 1,165,596.7 1,158,863.4 Reinsurance Payable
41 Utang Komisi - - - - - - - - - - - - Commission Payable
42 Utang Pajak 9,444.4 12,713.9 30,186.2 17,146.5 16,742.5 21,700.9 9,415.1 4,844.9 6,066.4 4,611.8 3,052.0 7,252.7 Tax Payable
43 Biaya yang Masih Harus Dibayar 80,264.4 83,425.7 82,308.9 77,117.9 52,418.7 21,052.3 24,324.5 34,728.4 21,711.2 23,974.7 27,005.7 77,845.4 Accrued Expense
44 Utang Lain 360,633.5 326,323.1 340,615.5 320,387.2 316,824.6 329,881.8 305,368.6 331,779.5 283,208.2 280,608.5 265,660.8 244,196.3 Others Payable
45 Jumlah Utang 1,887,836.0 1,960,841.7 1,859,613.9 1,681,468.7 1,668,641.8 1,792,956.6 1,851,010.7 1,922,608.1 1,943,453.3 1,855,715.2 2,002,857.3 1,901,656.2 Total Payable
46 Cadangan Premi 322,752.8 329,337.3 405,497.2 439,195.4 442,938.9 438,139.4 468,251.7 458,820.9 447,398.5 444,799.5 411,325.1 374,870.7 Premium Reserve
47 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 5,205,541.9 5,418,452.5 5,438,299.5 5,429,115.0 5,431,851.3 5,663,242.2 5,552,597.8 5,425,599.7 5,207,549.7 5,052,365.6 4,987,944.4 4,731,800.9 Unearned Premium Reserve
48 Cadangan Klaim 3,629,324.0 3,825,175.4 3,852,504.4 3,932,653.4 4,178,077.8 4,299,093.1 4,319,431.3 5,048,542.9 5,764,472.0 5,541,538.9 5,861,080.8 5,927,298.1 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 20,329.4 18,616.5 17,963.7 17,635.9 17,889.4 17,892.9 17,280.5 16,879.2 16,331.3 57,865.9 183,125.7 247,306.4 Catastrophic Reserve
50 Jumlah Cadangan Teknis 9,177,948.2 9,591,581.6 9,714,264.8 9,818,599.7 10,070,757.5 10,418,367.6 10,357,561.2 10,949,842.7 11,435,751.5 11,096,569.8 11,443,476.0 11,281,276.1 Total Technical Reserve
51 Jumlah Liabilitas 11,065,784.2 11,552,423.2 11,573,878.7 11,500,068.4 11,739,399.3 12,211,324.1 12,208,572.0 12,872,450.8 13,379,204.7 12,952,285.1 13,446,333.3 13,182,932.3 Total Liabilities
52 Pinjaman Subordinasi 509,479.0 506,344.7 503,210.4 499,885.0 388,233.6 388,233.6 388,233.6 388,233.6 388,233.6 388,233.6 385,283.4 385,283.4 Subordinate Loan
53 Modal Disetor 2,286,437.5 2,286,437.5 2,286,437.5 2,286,437.5 2,286,437.5 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 Paid in Capital
54 Agio Saham 449,105.0 449,105.0 449,105.0 449,105.0 449,105.0 450,684.7 450,684.7 450,684.7 450,684.7 450,684.7 450,684.7 450,684.7 Premium Stock
55 Saldo Laba 3,452,510.1 3,604,545.2 3,512,509.8 3,522,077.2 3,670,679.9 3,554,659.8 3,654,816.8 3,628,390.5 3,692,874.2 3,673,374.1 3,730,240.9 3,918,430.6 Retained Earning
56 Komponen Ekuitas Lainnya 1,231,723.0 1,146,073.2 1,113,176.2 1,062,567.3 1,070,926.1 887,071.8 905,818.1 826,508.2 800,332.6 714,241.7 848,642.1 889,717.9 Other Equity Components
57 Jumlah Ekuitas 7,419,775.7 7,486,160.9 7,361,228.5 7,320,187.1 7,477,148.6 7,178,984.2 7,297,887.5 7,192,151.3 7,230,459.4 7,124,868.3 7,316,135.5 7,545,401.1 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 18,995,038.9 19,544,928.8 19,438,317.6 19,320,140.5 19,604,781.5 19,778,541.9 19,894,693.1 20,452,835.7 20,997,897.8 20,465,387.0 21,147,752.2 21,113,616.8 Total Liabilities and Equities

Sejak Agustus 2017, terdapat beberapa penyesuaian pada laporan sesuai dengan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
*) Pinjaman Polis dikategorikan menjadi instrumen investasi sejak Agustus 2017 berdasarkan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi

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

Hal: 1/ 1
 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 36,234,922.3 33,677,905.4 32,327,200.0 31,331,459.1 30,939,871.6 30,073,087.6 31,393,513.0 33,505,098.0 31,445,946.0 32,642,864.0 41,042,522.0 46,948,624.0 Time Deposit
2 Saham 60,442,672.5 63,630,242.7 60,237,298.7 61,250,145.1 63,018,819.5 61,471,407.8 61,667,250.3 65,265,073.2 64,862,005.8 64,991,725.9 65,937,737.1 67,986,686.1 Stocks
3 Sukuk atau Obligasi 38,685,028.2 38,402,412.2 38,113,676.0 38,844,605.1 39,224,329.0 39,239,500.7 39,770,098.2 39,695,269.2 41,582,529.2 42,306,817.5 42,937,650.9 42,763,863.6 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 155,876,565.9 157,464,946.4 160,147,756.4 161,224,047.1 164,213,016.9 166,198,350.9 168,989,592.1 169,340,683.5 173,537,713.7 174,126,476.0 175,253,443.9 173,726,702.7 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 34,036,072.3 36,114,091.7 34,752,650.1 34,154,250.9 34,866,812.1 34,786,050.3 35,866,797.8 36,400,500.1 36,573,907.4 35,833,242.4 36,771,746.7 37,875,602.0 Mutual Fund
9 Efek Beragun Aset 653,138.9 901,897.5 869,502.2 856,982.1 851,978.3 808,394.8 803,615.9 801,369.9 767,002.0 758,244.0 764,434.8 730,231.7 Assets Backed Securities
10 Dana Investasi Real Estate - - - - - - - - - - - - Real Estate Investment Fund
11 Penyertaan Langsung 26,594.6 26,594.6 26,594.6 26,594.6 26,594.6 26,594.6 26,594.6 26,594.6 963.9 963.9 850.0 850.0 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 2,224,537.5 2,224,443.6 2,243,007.6 2,242,945.3 2,243,277.7 2,243,283.8 2,243,189.8 2,244,297.4 2,245,013.0 2,244,987.9 2,250,800.0 2,255,771.6 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 328,179,532.3 332,442,534.0 328,717,685.6 329,931,029.2 335,384,699.7 334,846,670.3 340,760,651.8 347,278,885.9 351,015,081.0 352,905,321.7 364,959,185.4 372,288,331.7 Total Investment
18 Total Non Investasi 18,311,588.9 17,805,962.6 16,047,163.9 17,100,157.8 16,241,928.5 17,942,052.4 19,891,784.1 17,344,128.1 17,036,430.6 17,615,418.3 16,929,854.0 16,507,737.3 Total Non Investment
19 Total Aset 346,491,121.1 350,248,496.7 344,764,849.6 347,031,187.0 351,626,628.1 352,788,722.7 360,653,177.2 364,623,014.0 368,051,511.7 370,520,739.9 381,889,039.4 388,796,069.0 Total Assets
20 Total Liabilitas 53,096,643.6 59,802,528.4 57,415,274.1 59,059,459.3 63,270,196.7 64,185,695.8 67,673,946.5 67,640,531.1 64,611,503.7 67,000,511.8 69,285,621.1 67,273,381.7 Total Liabilty
21 Total Ekuitas dan Aset Netto 293,394,477.5 290,445,968.3 287,349,575.5 287,971,727.8 288,356,431.5 288,603,026.9 292,979,230.7 296,982,482.9 303,440,008.0 303,520,228.1 312,603,418.3 321,522,687.3 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 25,390,782.0 20,805,382.0 17,615,300.0 11,178,900.0 9,751,950.0 10,612,350.0 9,778,150.0 10,999,300.0 9,867,300.0 9,865,800.0 11,368,550.0 12,531,500.0 Time Deposit
2 Saham 13,964,019.0 14,296,225.4 14,340,862.3 14,608,820.3 14,359,112.7 13,830,970.4 14,192,790.0 13,855,616.8 14,388,647.7 13,429,355.2 13,652,691.2 14,093,171.4 Stocks
3 Sukuk atau Obligasi 30,536,462.1 31,103,550.0 30,809,340.0 31,569,885.5 31,975,940.6 31,343,250.7 31,334,681.8 30,613,747.3 31,446,662.3 31,379,437.8 31,377,854.1 30,928,374.6 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 29,265,780.9 30,978,785.9 32,501,994.8 32,792,471.2 32,192,629.3 31,965,881.5 31,006,723.4 30,636,424.2 31,401,640.7 30,030,900.8 31,065,991.4 31,357,406.4 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 14,617,316.5 15,036,981.8 16,618,618.9 21,326,749.7 21,047,375.2 20,595,453.6 21,583,912.8 21,364,947.8 21,651,663.2 21,382,395.2 21,182,836.5 22,138,653.1 Mutual Fund
9 Efek Beragun Aset 1,684,301.9 1,874,184.2 1,821,703.6 1,759,676.2 1,745,033.4 1,668,596.9 2,626,554.3 2,568,187.7 2,539,053.3 2,478,801.6 2,510,704.2 2,463,469.9 Assets Backed Securities
10 Dana Investasi Real Estate 192,884.8 193,487.4 194,076.9 192,950.3 193,579.1 200,784.1 201,347.4 131,000.3 200,640.0 201,373.6 124,450.2 69,757.6 Real Estate Investment Fund
11 Penyertaan Langsung 2,459,720.9 2,313,213.9 2,297,337.4 2,295,505.9 2,293,379.6 2,268,339.0 2,303,620.4 2,311,341.4 2,318,095.1 2,284,012.6 2,364,768.1 3,097,664.6 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 567,994.1 567,629.1 566,643.2 567,318.6 403,753.5 398,881.7 398,881.7 519,123.4 516,687.5 516,947.2 508,293.6 513,235.1 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 118,679,262.2 117,169,439.8 116,765,877.2 116,292,277.7 113,962,753.3 112,884,507.7 113,426,661.7 112,999,688.9 114,330,389.7 111,569,023.9 114,156,139.4 117,193,232.8 Total Investment
18 Total Non Investasi 14,426,698.2 15,707,858.3 14,352,041.2 14,322,666.9 15,076,476.8 15,350,331.7 14,321,659.6 14,064,708.2 14,739,105.3 14,903,166.1 14,963,219.1 16,541,164.6 Total Non Investment
19 Total Aset 133,105,960.4 132,877,298.1 131,117,918.4 130,614,944.6 129,039,230.1 128,234,839.4 127,748,321.4 127,064,397.1 129,069,495.0 126,472,190.0 129,119,358.4 133,734,397.4 Total Assets
20 Total Liabilitas 105,213,327.4 105,717,488.8 104,901,244.9 106,458,457.7 107,256,897.2 108,598,686.1 107,549,972.5 107,272,897.7 109,023,609.1 108,436,208.2 108,929,916.2 112,459,989.2 Total Liabilty
21 Total Ekuitas 27,892,633.0 27,159,809.3 26,216,673.6 24,156,486.9 21,782,333.0 19,636,153.3 20,198,348.9 19,791,499.5 20,045,885.9 18,035,981.8 20,189,442.3 21,274,408.2 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 17,639,626.4 32,860,761.8 49,543,334.7 66,214,450.0 81,317,472.1 95,474,146.4 112,067,328.9 126,546,567.6 141,140,730.6 156,092,094.3 170,197,131.6 186,047,238.1 Premium Income
2 Premi Reasuransi 497,275.6 985,363.2 1,478,307.7 1,906,177.7 2,309,542.5 2,578,861.7 3,016,168.1 3,390,408.7 3,809,796.2 4,188,771.4 4,734,963.2 5,162,223.4 Reinsurance Income
3 Penurunan (kenaikan) CAPYBMP (903,929.7) (850,730.8) (677,281.9) (972,461.7) (771,754.9) (681,718.2) (857,272.3) (664,052.3) (617,113.0) (511,890.6) (295,422.3) (280,122.0) Decrease (increase) in Premium Reserve And Unearned Premium Reserve
4 Jumlah Pendapatan Premi Neto 16,238,421.1 31,024,667.8 47,387,745.2 63,335,810.6 78,236,174.7 92,213,566.5 108,193,888.6 122,492,106.5 136,713,821.3 151,391,432.3 165,166,746.0 180,604,892.7 Total Net Premium Income
5 Hasil Investasi 7,813,083.3 7,977,394.9 (1,797,680.7) (3,374,172.6) (1,008,316.1) (7,505,613.8) (3,525,598.4) (2,374,031.0) (1,676,089.4) (6,927,367.0) (306,694.4) 6,624,439.5 Investment Yield
6 Imbalan Jasa DPLK/ Jasa Manajemen Lainnya 109,948.2 208,107.5 316,560.4 422,898.4 531,492.7 633,718.7 754,411.1 862,109.1 967,166.3 1,082,584.0 1,198,779.0 1,331,657.9 Revenue from DPLK Services / Other Management Services
7 Pendapatan Lain 379,938.8 740,913.8 1,145,994.7 1,082,365.8 1,598,513.9 2,056,691.0 2,787,322.7 3,188,147.2 3,592,621.3 4,073,149.1 4,421,967.4 5,129,160.3 Other Revenue
8 Jumlah Pendapatan 24,541,391.4 39,951,084.0 47,052,619.6 61,466,902.2 79,357,865.2 87,398,362.5 108,210,024.0 124,168,331.8 139,597,519.5 149,619,798.4 170,480,798.0 193,690,150.5 Total Revenue
9 Klaim dan Manfaat Dibayar 5,884,430.0 10,882,964.4 17,112,706.2 23,919,209.2 29,166,731.3 38,409,024.9 45,659,396.6 53,404,420.0 61,389,834.1 71,541,547.3 78,606,654.8 85,699,198.9 Claim and Benefit Paid
10 Klaim Penebusan Unit 6,521,386.5 14,323,543.4 17,627,148.8 24,686,732.5 31,559,427.9 34,522,552.2 39,483,688.6 43,106,347.7 47,493,895.9 46,421,555.3 51,398,477.3 56,659,679.8 Unit Redemption Claim
11 Klaim Reasuransi 290,771.9 624,506.2 874,139.6 1,228,596.8 1,514,682.1 1,743,789.9 2,025,615.8 2,353,162.9 2,788,887.5 3,237,800.8 3,621,437.2 3,889,645.8 Reinsurance Recovery
12 Kenaikan (Penurunan) Cadangan Premi 1,653,253.1 2,099,812.2 3,335,812.9 3,885,468.5 4,895,652.8 4,923,889.4 5,305,733.9 5,305,425.1 3,807,611.0 2,062,528.7 2,449,938.9 2,751,732.3 Increase (decrease) in Premium Reserve
13 Kenaikan (Penurunan) Cadangan Klaim (92,443.8) (52,465.7) 31,984.4 12,146.6 (89,102.2) 83,486.9 173,609.4 242,072.1 297,274.5 340,036.7 400,170.0 1,330,903.3 Increase (decrease) in Claim Reserve
14 Kenaikan (Penurunan) Cadangan atas Risiko Bencana 997.5 33.3 825.6 1,164.7 716.3 1,390.1 693.1 636.1 902.0 23,948.4 24,955.1 24,196.8 Increase (decrease) in Catastrophic Reserve
(Catastrophic)
15 Jumlah Beban Klaim dan Manfaat 13,676,851.4 26,629,381.3 37,234,338.4 51,276,124.6 64,018,743.8 76,196,553.7 88,597,505.7 99,705,738.3 110,200,630.1 117,151,815.5 129,258,758.9 142,576,065.3 Total Claims and Benefits
16 Beban Komisi - Tahun Pertama 640,873.2 1,221,839.1 1,889,185.2 2,570,877.1 3,195,604.1 3,739,519.7 4,313,211.5 4,899,335.4 5,478,226.6 6,139,842.4 6,662,009.6 7,269,754.2 First Year Commision
17 Beban Komisi - Tahun Lanjutan 307,334.3 592,316.3 863,088.7 1,182,793.7 1,468,789.6 1,736,210.1 2,058,581.6 2,350,000.6 2,640,621.4 2,939,850.2 3,226,839.4 3,542,054.6 Renewal Commision
18 Beban Komisi - Overriding 263,457.6 533,449.5 788,024.1 1,041,839.7 1,297,888.0 1,562,429.8 1,784,794.5 2,044,769.3 2,297,576.4 2,593,634.8 2,860,101.9 3,136,820.3 Overriding Commmision
19 Beban Lainnya 538,259.6 973,511.6 1,493,979.6 1,817,173.9 2,179,830.1 2,465,545.6 2,893,368.3 3,305,407.5 3,673,534.2 8,905,424.6 4,258,812.5 5,014,813.6 Other Expenses
20 Jumlah Biaya Akuisisi 1,749,924.7 3,321,116.5 5,034,277.5 6,612,684.4 8,142,111.8 9,503,705.1 11,049,955.9 12,599,512.8 14,089,958.5 20,578,751.9 17,007,763.4 18,963,442.8 Total Acquisition Cost
21 Jumlah Beban Asuransi 15,426,776.1 29,950,497.8 42,268,615.9 57,888,809.0 72,160,855.6 85,700,258.9 99,647,461.6 112,305,251.1 124,290,588.6 137,730,567.5 146,266,522.2 161,539,508.1 Total Insurance Expenses
22 Beban Pemasaran 175,686.7 339,428.0 508,865.2 757,913.7 925,665.2 1,111,672.1 1,275,339.4 1,481,100.1 1,658,312.4 1,899,452.9 2,036,194.8 2,266,194.8 Marketing Expenses
23 Beban Pegawai dan Pengurus 558,412.6 1,114,966.4 1,711,219.1 2,462,291.8 3,011,798.8 3,653,888.4 4,201,827.7 4,777,013.9 5,395,933.7 5,952,568.0 6,384,940.9 6,983,281.4 Employee and Management Expenses
24 Beban Pendidikan dan Pelatihan 22,587.3 50,507.6 76,658.6 106,018.2 119,907.8 135,744.2 159,281.2 180,987.8 201,939.7 222,733.7 251,770.8 261,136.0 General And Administration Expenses
25 Beban Umum dan Administrasi Lainnya 613,194.0 1,190,833.1 2,009,055.1 2,481,193.5 3,169,343.3 3,830,561.8 4,549,578.0 5,148,404.5 5,716,222.3 6,398,350.8 7,201,253.4 7,876,161.3 Other General And Administration Expenses
26 Beban Manajemen 112,633.5 245,464.9 373,292.8 512,040.1 616,503.1 735,984.7 736,166.9 834,137.8 1,054,509.5 1,180,799.2 1,305,679.1 1,429,564.7 Management Expenses
27 Beban Mortalitas 2,397,965.8 749,870.7 999,488.5 1,372,488.8 1,699,025.0 2,006,597.7 2,344,297.7 2,725,419.7 3,707,605.1 4,113,600.8 4,602,019.3 5,028,251.1 Mortality Expenses
28 Beban Usaha Lainnya 139,883.1 185,342.9 230,540.7 238,110.7 371,414.6 399,511.9 504,570.3 443,389.1 414,352.9 343,584.3 860,573.5 667,960.6 Other Operating Expenses
29 Hasil (Beban) Lain - Others Income (Loss)
30 Jumlah Beban Usaha 4,020,363.0 3,876,413.6 5,909,120.0 7,930,056.8 9,913,657.8 11,873,960.7 13,771,061.2 15,590,452.9 18,148,875.6 20,111,089.8 22,642,431.8 24,512,549.8 Total Operating Expenses
31 Jumlah Beban 19,447,139.1 33,826,911.4 48,177,735.9 65,818,865.8 82,074,513.4 97,574,219.6 113,418,522.8 127,895,703.9 142,439,464.2 157,841,657.3 168,908,954.0 186,052,057.9 Total Expenses
32 Kenaikan (Penurunan) Nilai Aset* 4,410,136.9 4,801,103.9 (3,325,883.0) (7,396,102.3) (6,790,727.1) (11,380,110.2) (6,605,852.0) (4,246,542.0) (4,622,312.3) (7,150,208.8) 3,781,180.3 7,443,998.4 Increase (decrease) in Asset Value
33 Laba (Rugi) Sebelum Pajak 684,115.3 1,323,068.6 2,200,766.7 3,044,138.7 4,074,078.9 1,204,253.1 1,397,353.3 519,169.9 1,780,367.6 (1,071,650.1) (2,209,336.3) 194,094.2 Income (Loss) Before Tax
34 Pajak Penghasilan 142,880.4 337,206.7 520,846.7 692,824.3 899,705.0 1,070,568.2 1,275,902.7 1,491,371.6 1,661,694.4 1,807,232.9 2,075,786.7 2,366,633.0 Taxes
35 Laba (Rugi) Setelah Pajak 541,234.9 985,861.9 1,679,920.1 2,351,314.4 3,174,373.9 133,684.9 121,450.6 (972,201.7) 118,673.2 (2,878,883.0) (4,285,123.0) (2,172,538.8) Income (Loss) After Tax
36 Pendapatan Komprehensif Lain 538,050.2 (990,317.9) (1,721,273.5) (3,097,654.0) (3,978,270.8) (6,083,897.1) (5,699,379.8) (5,951,688.4) (7,234,754.8) (9,313,106.1) (6,467,601.9) (6,144,909.6) Other Comprehensif Income
37 Total Laba (Rugi) Komprehensif 1,079,285.1 (4,456.0) (41,353.4) (746,339.7) (803,896.9) (5,950,212.2) (5,577,929.2) (6,923,890.1) (7,116,081.6) (12,191,989.2) (10,752,724.9) (8,317,448.4) 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 6,273,683.9 10,650,192.5 15,948,594.9 21,495,167.7 26,549,610.9 32,286,324.7 37,351,655.6 42,149,371.4 46,841,178.9 51,996,956.8 56,866,089.2 66,004,206.9 Direct Premium
2 Premi Penutupan Tidak Langsung 357,547.5 595,046.7 818,306.9 1,009,299.2 1,214,981.1 1,753,639.4 2,014,442.6 2,308,316.6 2,533,632.4 2,817,548.1 3,133,131.7 3,896,783.8 Indirect Premium
3 Jumlah Pendapatan Premi 6,631,231.4 11,245,239.2 16,766,901.7 22,504,466.9 27,764,592.1 34,039,964.1 39,366,098.2 44,457,688.0 49,374,811.3 54,814,504.9 59,999,220.9 69,900,990.6 Total Premium Income
4 Komisi Dibayar 833,539.1 1,573,248.2 2,371,715.8 3,141,528.1 3,961,638.5 4,713,905.3 5,499,582.8 6,378,969.2 7,087,239.2 7,936,322.4 8,750,490.1 9,889,996.0 Commission Paid
5 Jumlah Premi Bruto 5,797,692.2 9,671,991.0 14,395,185.9 19,362,938.8 23,802,953.6 29,326,058.8 33,866,515.5 38,078,718.8 42,287,572.0 46,878,182.5 51,248,730.9 60,010,994.6 Total Gross Premium
6 Premi Reasuransi Dibayar 2,841,277.0 4,699,824.5 6,820,824.8 9,355,245.0 11,476,126.0 14,976,109.3 16,981,982.8 19,095,684.4 21,100,516.1 23,365,034.4 25,365,123.9 30,210,203.8 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 410,480.0 725,241.5 1,057,075.9 1,429,765.5 1,808,583.4 2,357,432.3 2,740,964.0 3,125,413.4 3,485,173.4 3,977,468.4 4,376,280.2 5,102,368.3 Reinsurance Commission
8 Jumlah Premi Reasuransi 2,430,797.1 3,974,583.0 5,763,749.0 7,925,479.5 9,667,542.6 12,618,677.0 14,241,018.8 15,970,271.0 17,615,342.7 19,387,566.0 20,988,843.6 25,107,835.5 Total Reinsurance Premium
9 Premi Netto 3,366,895.2 5,697,408.0 8,631,437.0 11,437,459.3 14,135,410.9 16,707,381.8 19,625,496.7 22,108,447.9 24,672,229.3 27,490,616.5 30,259,887.2 34,903,159.1 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi (97,460.3) 193,317.3 (105,015.1) (728,111.9) (434,150.2) (624,410.2) (502,972.5) (658,548.3) (758,500.0) (834,254.8) (809,828.8) (643,321.3) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP (751,300.2) (1,154,187.3) (702,850.9) (587,277.8) (835,767.5) (654,662.0) (997,341.8) (664,633.1) (331,006.6) (277,893.7) (131,482.1) (582,434.0) Decrease (Increase) In Unearned Premium Reserve
12 Penurunan (kenaikan) Cadangan atas Risiko Bencana (Catastrophic) (774.6) (1,039.7) (123,249.1) 1,454.4 3,304.6 2,407.5 4,309.8 4,627.9 468.8 2,253.1 2,750.0 (24,128.4) Decrease (Increase)
Total Decrease In Catastrophic
(Increase) In PremiumReserve
Reserve and Unearned
13 Jumlah Penurunan (Kenaikan) Cadangan Premi dan CAPYBMP (849,535.1) (961,909.6) (931,115.1) (1,313,935.2) (1,266,613.1) (1,276,664.7) (1,496,004.5) (1,318,553.5) (1,089,037.8) (1,109,895.4) (938,560.9) (1,249,883.8) Premium Reserve
14 Jumlah Pendapatan Premi Neto 2,517,360.1 4,735,498.4 7,700,321.9 10,123,524.0 12,868,797.9 15,430,717.1 18,129,492.2 20,789,894.4 23,583,191.6 26,380,721.1 29,321,326.3 33,653,275.4 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto 6,301.0 11,916.8 20,669.5 29,647.0 32,201.8 47,614.0 55,531.0 60,720.2 72,808.3 114,456.3 122,373.4 142,091.9 Nett Other Underwriting Income
16 PENDAPATAN UNDERWRITING 2,523,661.1 4,747,415.2 7,720,991.4 10,153,171.0 12,900,999.7 15,478,331.2 18,185,023.2 20,850,614.6 23,655,999.9 26,495,177.5 29,443,699.7 33,795,367.3 Underwriting Income
17 Klaim Bruto 2,138,540.1 4,137,873.3 6,159,658.1 8,384,555.2 10,586,439.7 12,318,876.8 14,753,545.3 17,570,271.1 19,960,288.9 22,587,290.1 25,106,510.5 29,452,935.2 Gross Claims
18 Klaim Reasuransi 561,974.9 1,168,904.1 1,832,939.4 2,602,963.6 3,408,395.8 4,215,855.2 5,120,534.5 6,420,807.9 7,356,161.9 8,294,361.6 9,239,886.6 11,023,974.1 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim (247,817.6) (71,516.4) 102,151.1 202,744.9 230,395.3 392,343.6 409,110.2 529,910.8 635,496.0 730,417.3 686,647.0 688,660.3 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 1,328,747.7 2,897,452.8 4,428,869.9 5,984,336.5 7,408,439.2 8,495,365.2 10,042,120.9 11,679,374.0 13,239,623.0 15,023,345.8 16,553,271.0 19,117,621.4 Total Claim Expenses
21 Beban Underwriting Lain Neto 73,844.0 146,734.8 233,117.6 301,384.0 399,427.0 470,215.8 578,496.6 708,753.4 838,893.7 1,024,104.4 1,035,784.6 1,252,390.9 Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 1,402,591.7 3,044,187.5 4,661,987.5 6,285,720.5 7,807,866.2 8,965,581.0 10,620,617.5 12,388,127.4 14,078,516.7 16,047,450.1 17,589,055.5 20,370,012.3 Total Underwriting Expenses
23 Hasil Underwriting 1,121,069.4 1,703,227.6 3,059,003.9 3,867,450.5 5,093,133.5 6,512,750.2 7,564,405.7 8,462,487.1 9,577,483.1 10,447,727.3 11,854,644.2 13,425,355.0 Underwriting Result
24 Hasil Investasi 368,251.6 617,891.7 1,041,147.9 1,261,669.6 1,638,667.6 2,115,374.7 2,500,343.1 2,862,869.4 3,224,322.3 3,466,824.8 3,832,943.2 4,252,070.3 Investment Yield
25 Beban Pemasaran 185,379.6 354,270.7 504,780.3 675,930.5 899,937.2 1,105,388.7 1,235,382.9 1,429,131.3 1,630,112.5 1,846,932.3 2,019,433.4 2,254,794.1 Marketing Expenses
26 Beban Pegawai dan Pengurus 382,270.4 775,064.6 1,145,399.0 1,546,716.4 2,070,620.1 2,634,010.8 3,069,568.4 3,477,461.5 4,114,258.8 4,577,954.6 5,013,827.9 5,518,553.3 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 16,112.9 29,672.2 49,966.3 68,992.1 88,303.4 104,614.3 124,791.7 144,315.2 170,622.1 182,794.6 224,696.4 258,861.1 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 268,906.1 597,392.5 921,206.8 1,228,768.8 1,580,390.7 1,885,684.1 2,313,650.1 2,686,484.4 2,707,626.3 3,112,040.8 3,535,178.4 3,932,642.9 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 852,669.0 1,756,399.9 2,621,352.4 3,520,407.8 4,639,251.4 5,729,697.8 6,743,393.0 7,737,392.4 8,622,619.7 9,719,722.2 10,793,136.1 11,964,851.3 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 636,652.0 564,719.5 1,478,799.4 1,608,712.3 2,092,549.7 2,898,427.0 3,321,355.7 3,587,964.1 4,179,185.8 4,194,829.8 4,894,451.3 5,712,573.9 Income (Loss) Insurance Business
33 Hasil (Beban) Lain (23,056.8) (2,293.7) 8,068.7 15,433.0 38,150.5 52,264.3 133,623.0 229,358.7 151,226.6 190,161.9 165,828.7 82,444.8 Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 613,595.2 562,425.7 1,486,868.0 1,624,145.3 2,130,700.2 2,950,691.3 3,454,978.7 3,817,322.8 4,330,412.3 4,384,991.7 5,060,280.0 5,795,018.7 Income (Loss) Before Tax
35 Pajak Penghasilan 91,855.9 50,807.6 170,808.4 162,175.3 233,045.6 353,405.6 424,949.7 428,708.8 489,252.1 517,925.0 645,373.7 684,501.2 Taxes
36 Laba Setelah Pajak 521,739.3 511,618.1 1,316,059.6 1,461,970.0 1,897,654.6 2,597,285.7 3,030,029.0 3,388,614.0 3,841,160.2 3,867,066.7 4,414,906.3 5,110,517.5 Income After Tax
37 Pendapatan Komprehensif Lain 114,507.0 38,798.8 710,632.3 420,971.8 423,271.9 (20,236.0) (966,698.3) (1,013,619.7) (1,207,936.0) (1,259,433.0) (853,938.9) (642,143.3) Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 636,246.4 550,416.9 2,026,691.9 1,882,941.8 2,320,926.5 2,577,049.7 2,063,330.6 2,374,994.3 2,633,224.1 2,607,633.7 3,560,967.4 4,468,374.3 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 1,572,532.1 3,202,001.7 4,817,845.4 6,394,306.7 7,764,209.6 9,402,866.8 10,923,458.3 12,116,442.5 13,363,804.1 14,924,448.3 16,454,446.2 18,379,576.7 Indirect Premium
3 Jumlah Pendapatan Premi 1,572,532.1 3,202,001.7 4,817,845.4 6,394,306.7 7,764,209.6 9,402,866.8 10,923,458.3 12,116,442.5 13,363,804.1 14,924,448.3 16,454,446.2 18,379,576.7 Total Premium Income
4 Komisi Dibayar 357,294.3 715,028.5 1,097,850.6 1,527,662.0 1,892,456.6 2,199,015.9 2,505,556.7 2,824,255.5 3,108,941.8 3,487,618.4 3,925,304.6 4,424,419.9 Commission Paid
5 Jumlah Premi Bruto 1,215,237.8 2,486,973.2 3,719,994.8 4,866,644.7 5,871,752.9 7,203,850.9 8,417,901.7 9,292,187.0 10,254,862.3 11,436,830.0 12,529,141.6 13,955,156.8 Total Gross Premium
6 Premi Reasuransi Dibayar 745,217.4 1,486,299.4 2,322,998.2 3,017,756.5 3,475,589.2 4,376,923.8 4,975,822.9 5,402,097.0 5,802,339.6 6,474,939.4 7,015,582.2 7,578,315.8 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 79,352.7 202,574.6 328,415.7 499,328.4 571,032.3 652,001.1 710,099.3 769,377.6 830,558.4 935,933.3 1,035,691.3 1,153,973.2 Reinsurance Commission
8 Jumlah Premi Reasuransi 665,864.7 1,283,724.8 1,994,582.4 2,518,428.1 2,904,556.9 3,724,922.7 4,265,723.5 4,632,719.5 4,971,781.3 5,539,006.1 5,979,890.9 6,424,342.6 Total Reinsurance Premium
9 Premi Netto 549,373.1 1,203,248.4 1,725,412.4 2,348,216.7 2,967,196.0 3,478,928.2 4,152,178.2 4,659,467.6 5,283,081.0 5,897,823.9 6,549,250.7 7,530,814.1 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi 1,234.9 (112,208.4) (4,669.5) (15,841.3) (12,868.0) (18,709.4) (30,216.5) (20,828.1) (24,889.4) (106,020.8) (21,929.0) (35,932.1) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP (34,919.6) 62,415.1 14,170.3 (17,331.6) (71,143.0) (87,269.3) (40,324.3) (49,161.7) (25,186.0) (4,600.2) (98,053.4) (270,589.1) 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 (33,684.7) (49,793.4) 9,500.9 (33,172.9) (84,011.0) (105,978.7) (70,540.8) (69,989.8) (50,075.4) (110,621.1) (119,982.4) (306,521.2) Total Decrease (Increase) In Premium Reserve and Unearned Premium Reserve
14 Jumlah Pendapatan Premi Neto 515,688.4 1,153,455.0 1,734,913.3 2,315,043.7 2,883,184.9 3,372,949.5 4,081,637.4 4,589,477.8 5,233,005.6 5,787,202.8 6,429,268.4 7,224,292.9 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto (0.0) (611.5) (611.4) (611.4) (1,206.8) (913.1) (909.9) (927.3) (927.3) (927.3) (1,035.1) (977.2) Nett Other Underwriting Income
16 Pendapatan Underwriting 515,688.4 1,152,843.5 1,734,301.9 2,314,432.4 2,881,978.2 3,372,036.4 4,080,727.4 4,588,550.5 5,232,078.3 5,786,275.6 6,428,233.2 7,223,315.7 Underwriting Income
17 Klaim Bruto 464,558.8 989,825.5 1,606,555.9 2,156,619.8 2,711,095.6 3,255,194.2 3,997,280.1 4,500,025.5 5,241,695.8 5,945,747.1 6,686,323.5 7,563,734.5 Gross Claims
18 Klaim Reasuransi 106,077.0 167,292.9 266,981.8 350,115.5 457,217.3 560,171.8 657,640.3 772,658.6 931,869.1 1,116,819.5 1,254,451.0 1,463,211.6 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim 18,374.2 136,332.7 138,451.5 171,818.9 249,439.2 227,826.9 201,323.2 370,502.0 388,854.7 463,211.6 458,116.0 406,854.7 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 376,856.0 958,865.3 1,478,025.7 1,978,323.3 2,503,317.4 2,922,849.3 3,540,963.0 4,097,868.9 4,698,681.4 5,292,139.2 5,889,988.5 6,507,377.6 Total Claim Expenses
21 Beban Underwriting Lain Neto 496.3 673.9 839.4 1,390.7 3,423.6 3,637.4 4,982.5 15,966.2 16,211.8 16,289.4 16,691.1 17,724.8 Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 377,352.3 959,539.2 1,478,865.1 1,979,714.0 2,506,741.1 2,926,486.7 3,545,945.5 4,113,835.1 4,714,893.2 5,308,428.6 5,906,679.7 6,525,102.4 Total Underwriting Expenses
23 Hasil Underwriting 138,336.1 193,304.3 255,436.8 334,718.4 375,237.1 445,549.7 534,781.9 474,715.4 517,185.1 477,847.0 521,553.6 698,213.3 Underwriting Result
24 Hasil Investasi 118,775.9 164,988.9 172,163.6 223,952.0 273,842.8 135,919.5 190,263.4 248,099.8 286,794.8 324,749.5 372,490.9 461,165.4 Investment Yield
25 Beban Pemasaran 1,756.8 7,332.7 10,088.3 10,160.8 15,864.8 18,121.3 22,729.2 25,544.8 27,930.6 34,139.3 39,885.7 46,635.3 Marketing Expenses
26 Beban Pegawai dan Pengurus 40,855.8 71,585.8 100,105.6 127,012.5 141,743.7 186,246.3 235,912.5 267,788.9 297,702.1 328,408.3 355,140.8 458,314.1 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 903.8 2,280.7 3,897.6 4,513.4 5,007.4 5,410.4 6,193.0 7,519.5 8,349.2 9,400.1 10,339.7 12,944.4 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 3,209.0 12,695.6 26,846.6 44,058.3 89,475.5 108,429.1 114,473.5 134,008.1 142,048.4 161,744.1 169,973.7 158,207.3 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 46,725.3 93,894.9 140,938.1 185,745.0 252,091.3 318,207.2 379,308.2 434,861.4 476,030.3 533,691.9 575,339.8 676,101.1 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 210,386.7 264,398.3 286,662.3 372,925.4 396,988.6 263,262.0 345,737.2 287,953.8 327,949.6 268,904.6 318,704.6 483,277.5 Income (Loss) Insurance Business
33 Hasil (Beban) Lain (20,077.6) (9,917.0) (11,617.6) (11,435.6) (15,344.5) 7,491.9 3,508.9 15,187.8 19,785.3 29,127.1 (5,660.7) (24,466.1) Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 190,309.1 254,481.3 275,044.8 361,489.8 381,644.1 270,753.9 349,246.1 303,141.6 347,734.9 298,031.6 313,043.9 458,811.4 Income (Loss) Before Tax
35 Pajak Penghasilan 28,490.1 28,202.5 29,631.0 34,119.3 27,746.9 42,117.1 16,404.0 1,197.4 9,144.2 (13,812.1) (10,203.8) 11,959.9 Taxes
36 Laba Setelah Pajak 161,819.0 226,278.8 245,413.8 327,370.5 353,897.2 228,636.7 332,842.1 301,944.3 338,590.7 311,843.7 323,247.7 446,851.6 Income After Tax
37 Pendapatan Komprehensif Lain 2,778.4 18,744.5 (66,095.6) (113,972.9) (165,585.6) (277,058.6) (278,112.8) (327,536.8) (382,294.9) (462,383.0) (342,468.6) (322,941.8) Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 164,597.5 245,023.3 179,318.2 213,397.5 188,311.6 (48,421.8) 54,729.3 (25,592.5) (43,704.2) (150,539.3) (19,221.0) 123,909.8 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 9,764,608.5 22,172,463.1 32,547,957.9 45,735,009.6 58,154,862.3 70,315,921.2 82,954,660.6 95,311,403.3 107,175,943 119,784,850.8 132,773,171.1 146,899,082.9 Gross Premium
2 Klaim Bruto 9,939,067.5 19,447,132.5 31,601,385.7 38,123,066.5 49,615,722.9 55,878,770.5 67,231,395.4 78,524,108.1 88,795,271 98,875,758.3 110,900,281.5 123,013,505.4 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 991,904.0 1,934,207.4 2,915,168.0 3,886,696.6 4,782,287.9 5,671,594.1 6,847,620.6 7,881,586.2 8,871,665 9,911,549.8 10,945,914.1 12,071,561.2 Gross Premium
2 Klaim Bruto 1,378,542.5 2,305,178.2 3,334,701.0 4,358,938.1 5,509,144.9 6,458,699.7 7,744,323.0 8,909,466.9 10,179,562 11,367,656.6 12,537,286.1 13,739,724.0 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.