Statistik Asuransi Indonesia / Indonesia Insurance Statistics

2017
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 Menara Merdeka Lantai 22 Gedung Menara Merdeka Lantai 22
Jalan Budi Kemuliaan 1 Nomor 2 Jalan Budi Kemuliaan 1 Nomor 2
Jakarta Pusat Jakarta Pusat

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 781,725,636 791,731,673 816,138,873 821,946,773 836,988,698 850,027,342 873,436,528 904,602,144 919,627,157 920,940,337 933,736,441 972,075,352 Total Investment
Total Bukan Investasi 166,801,949 166,337,726 165,006,342 167,221,677 161,052,421 162,312,496 163,421,678 158,200,340 159,365,303 164,630,472 163,824,029 160,529,579 Total Non Investment
Total Aset 948,526,586 958,068,409 981,144,213 989,168,450 998,040,119 1,012,338,838 1,036,857,206 1,062,802,484 1,078,992,460 1,085,570,809 1,097,560,470 1,132,604,931 Total Assets

Total Liabilitas 545,372,031 549,507,170 560,878,521 563,169,931 569,838,283 578,527,887 600,320,871 620,955,126 631,832,733 637,032,960 643,048,834 664,467,883 Total Liabilities
Total Pinjaman Subordinasi 1,260,319 1,225,753 1,198,678 1,157,333 1,158,182 1,131,103 1,131,952 1,132,801 1,218,650 1,363,571 1,192,421 1,395,256 Total Subordinate Loan
Total Ekuitas 401,894,235 407,335,493 419,067,022 424,841,185 427,043,654 432,679,849 435,404,383 440,714,557 445,941,076 447,174,277 453,319,215 466,741,792 Total Equities

Premi* 28,233,074 53,692,351 86,107,424 115,794,806 147,312,698 178,608,186 213,988,668 257,869,723 292,150,048 328,809,698 364,491,044 405,881,271 Premium
Klaim 18,410,897 36,305,757 56,472,305 75,188,083 97,922,127 117,254,594 139,903,402 168,178,310 193,229,885 218,945,001 243,685,018 270,875,976 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 187.9% 172.3% 172.6% 173.7% 169.0% 168.0% 168.5% 167.0% 162.8% 161.7% 159.9% 158.8% Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 160.1% 145.1% 146.4% 146.8% 144.6% 143.5% 144.0% 143.9% 141.0% 140.8% 139.5% 138.5% Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 201.6% 193.2% 204.7% 204.9% 196.0% 199.7% 202.0% 206.9% 200.8% 196.7% 191.9% 200.1% Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 171.8% 162.7% 173.7% 173.2% 167.7% 170.5% 172.7% 178.3% 173.8% 171.3% 167.4% 174.5% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 3.9% 4.1% 3.7% 3.6% 3.5% 3.4% 3.2% 2.8% 2.8% 2.6% 2.6% 2.6% Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 114.8% 114.9% 116.5% 116.0% 115.9% 115.7% 114.5% 114.8% 115.6% 115.0% 115.7% 115.4% Investment to Gross Technical Reserve Ratio

Rasio Asuransi Umum

Rasio Kecukupan Premi terhadap Pembayaran Klaim 241.9% 215.7% 235.4% 234.9% 214.7% 234.4% 232.6% 231.1% 233.1% 225.3% 223.9% 232.3% Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 181.8% 158.0% 172.3% 169.5% 157.2% 167.3% 166.8% 165.5% 166.8% 162.4% 161.9% 167.0% Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 256.3% 228.8% 249.3% 250.9% 229.4% 250.0% 247.8% 246.6% 248.9% 240.3% 239.9% 248.4% Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 192.6% 167.6% 182.5% 181.1% 168.0% 178.5% 177.7% 176.6% 178.1% 173.2% 173.4% 178.6% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 39.8% 39.0% 43.6% 42.4% 42.17% 43.5% 43.2% 42.0% 43.9% 43.1% 43.2% 43.8% Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 117.6% 121.1% 120.4% 120.7% 123.5% 123.7% 126.1% 127.2% 128.3% 127.9% 129.4% 130.1% Investment to Gross Technical Reserve Ratio

Rasio Reasuransi
Rasio Kecukupan Premi terhadap Pembayaran Klaim 244.9% 263.2% 273.9% 272.2% 266.7% 278.1% 271.2% 264.5% 267.1% 254.5% 261.0% 262.0% Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 227.1% 243.5% 251.6% 247.9% 240.4% 249.3% 242.7% 237.5% 241.7% 231.1% 237.1% 237.1% Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 256.5% 274.9% 286.1% 284.4% 278.8% 290.2% 283.0% 276.4% 278.5% 265.6% 271.7% 272.7% Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 237.9% 254.3% 262.8% 259.0% 251.4% 260.2% 253.3% 248.2% 252.0% 241.1% 246.7% 246.8% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 48.4% 38.8% 41.4% 39.8% 38.2% 39.7% 38.8% 37.1% 37.7% 39.1% 40.0% 41.3% Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 114.2% 116.4% 112.1% 114.1% 112.1% 111.3% 109.8% 121.0% 121.1% 120.0% 124.1% 122.1% 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 40,574,372.7 39,140,387.6 40,832,910.5 39,118,867.4 39,743,331.1 39,117,513.6 44,994,812.5 40,093,785.4 44,663,689.6 40,295,257.4 40,384,919.9 42,164,624.1 Time Deposit
2 Sertifikat Deposito 6,472,066.7 1,809,533.6 120,000.0 120,000.0 120,000.0 Certificate Of Deposit
3 Saham 111,233,013.6 113,547,718.3 118,229,462.6 120,178,204.4 121,159,371.9 123,418,711.0 134,259,788.9 129,320,663.2 133,043,074.8 131,932,830.3 131,370,094.0 139,783,919.1 Stocks
4 Obligasi Korporasi 28,288,827.9 28,272,045.7 30,152,506.0 30,679,247.5 31,013,395.8 31,771,452.5 31,833,678.6 32,225,802.6 32,165,946.2 30,107,475.1 31,121,970.1 30,888,073.1 Bonds
5 MTN 732,765.0 1,257,880.0 1,080,500.0 1,124,244.7 1,808,644.7 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 55,967,339.2 57,229,585.2 58,646,111.7 59,564,150.4 60,320,999.3 61,294,709.4 62,772,128.0 63,089,146.8 63,998,371.6 59,660,660.5 60,015,004.3 59,945,053.0 Marketable Securities Issued By Republic Indonesia
7 Surat Berharga yang Diterbitkan oleh Negara Selain Negara RI 825,589.2 836,636.4 829,089.5 839,803.0 854,904.6 856,580.6 849,605.5 879,280.5 893,354.0 869,895.9 869,631.8 884,011.9 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 - - - 10,116.2 10,049.9 10,094.0 20,827.5 10,169.0 10,133.4 10,157.0 10,216.1 - Marketable Securities Issued By Multinational Institution
10 Reksa Dana 95,307,434.7 97,417,409.1 101,052,355.3 103,442,297.1 104,319,695.5 106,535,161.2 110,224,776.7 133,218,673.0 134,199,782.7 151,157,821.2 155,378,695.4 164,554,847.0 Mutual Fund
11 Efek Beragun Aset 1,343.7 1,342.9 1,342.2 1,001.0 10,090.7 997.7 682.5 130,794.8 216,204.6 240,401.6 176,946.6 173,367.4 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat - 9,643.3 9,184.1 12,957.8 - 13,485.0 9,000.4 9,000.4 9,092.3 8,908.6 8,816.7 9,184.1 Real Estate Investment Fund
13 REPO - - - - - Repurchase Order
14 Penyertaan Langsung 4,116,564.8 5,011,882.6 4,580,899.4 4,689,682.2 4,637,474.1 4,625,757.9 4,446,471.5 4,215,592.8 4,606,065.3 4,639,656.7 5,070,453.7 5,121,155.1 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 9,969,367.2 9,633,457.5 9,718,348.1 10,011,068.8 10,011,073.3 10,011,063.9 10,011,032.7 10,242,716.0 9,927,764.8 9,952,375.5 9,950,068.2 10,229,068.2 Buildings With Strata Title or Real Estate For Investment
16 Pembelian Piutang untuk Perusahaan Pembiayaan dan/atau Bank 149,433.0 149,433.0 142,100.8 142,100.8 162,100.8 192,100.8 192,100.8 - Refinancing
17 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 232,100.8 255,100.8 255,100.8 255,100.8 275,100.8 Executing
18 Emas Murni - - - - - - - - - - - - Gold
19 Pinjaman yang Dijamin dengan Hak Tanggungan 193,423.9 183,031.2 137,968.0 135,163.8 138,151.6 136,233.6 134,155.3 139,781.3 131,631.6 130,028.2 129,003.2 130,073.8 Mortgage
20 Pinjaman Polis *) 1,992,775.8 2,023,976.6 2,018,427.0 2,010,714.8 1,970,997.8 Policy Loan
21 Investasi Lain 470,826.1 470,864.4 891,377.4 897,627.5 910,415.0 909,603.8 912,228.9 952,643.8 930,487.8 1,108,335.3 705,028.7 531,783.0 Other Investment
22 Jumlah Investasi 347,107,179.1 351,903,437.2 365,223,655.7 369,722,287.9 373,291,053.4 378,893,465.1 400,661,289.8 423,957,757.7 430,142,089.6 433,587,831.0 438,700,909.1 458,589,903.1 Total Investment
23 Kas dan Bank 6,225,649.6 7,099,301.7 6,330,048.6 6,422,382.4 6,783,840.4 6,759,635.0 7,060,512.7 6,695,421.5 8,420,243.9 7,981,957.3 6,862,315.0 7,125,084.2 Cash and Bank
24 Tagihan Premi Penutupan Langsung 5,145,491.1 4,825,244.8 4,713,677.8 4,974,224.9 4,663,066.5 4,597,633.8 4,540,126.9 4,222,060.5 4,015,523.0 4,583,088.0 3,852,233.7 3,797,521.2 Premium Receivable
25 Tagihan Premi Reasuransi 1,450,983.8 1,002,799.6 684,510.4 662,629.1 540,783.7 Reinsurance Premium Receivable
26 Aset Reasuransi 1,948,079.0 2,749,518.5 2,970,001.8 2,792,399.8 2,779,050.0 Reinsurance Asset
27 Tagihan Klaim Koasuransi 10,134.0 12,406.9 12,464.4 11,921.7 10,903.3 14,632.4 16,694.1 18,432.5 12,572.7 40,593.1 11,452.0 13,490.9 Coinsurance Claim Receivable
28 Tagihan Klaim Reasuransi 1,570,388.6 1,319,654.2 1,462,967.8 1,539,208.6 1,478,722.8 Reinsurance Claim Receivable
29 Tagihan Reasuransi 4,565,536.9 4,509,433.0 4,594,280.6 4,716,975.4 4,866,088.9 4,929,866.6 4,969,199.3 Reinsurance Receivable
30 Tagihan Investasi 317,913.3 446,396.2 401,515.0 222,258.2 444,451.8 322,990.0 258,725.7 331,643.6 193,622.1 302,923.5 316,646.6 167,620.9 Investment Receivable
31 Tagihan Hasil Investasi 2,667,675.1 2,697,624.3 2,904,959.9 2,972,760.8 2,943,651.6 3,281,186.6 3,414,361.0 3,401,149.1 3,379,693.2 3,078,702.5 3,172,045.8 2,859,740.4 Investment Yield Receivable
32 Pinjaman Polis 1,931,672.1 1,905,410.8 1,909,056.6 1,910,567.8 1,933,173.0 1,944,337.0 1,958,197.9 Policy Loan
33 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 5,730,543.1 6,156,745.2 6,185,675.0 4,862,595.4 4,911,615.1 5,920,449.6 5,872,936.4 5,928,662.8 5,870,107.2 5,885,420.8 5,923,731.4 4,991,447.5 Property
34 Biaya Akuisisi yang Ditangguhkan 345,018.9 404,916.8 - 16,852.3 15,613.0 Deferred Acquisition Cost
35 Aset Tetap Lain 1,494,141.1 1,482,148.5 1,500,397.5 1,520,967.5 1,533,580.7 1,528,590.4 1,531,503.7 1,506,267.3 1,573,869.0 1,736,788.8 1,699,248.7 1,837,744.8 Other Fixed Assets
36 Aset Lain 25,366,060.5 25,278,900.9 25,725,203.2 26,359,632.1 26,773,647.0 26,563,489.0 27,754,054.3 26,491,890.5 27,570,996.8 28,919,681.7 27,599,986.3 28,751,101.7 Other Assets
37 Jumlah Bukan Investasi 53,454,816.8 54,413,603.6 54,277,270.2 53,974,286.2 54,864,018.3 55,862,810.4 57,376,312.1 53,909,998.1 56,513,516.9 57,646,635.7 54,448,749.3 54,357,921.1 Total Non Investment
38 JUMLAH ASET 400,561,995.8 406,317,040.8 419,500,925.9 423,696,574.1 428,155,071.7 434,756,275.5 458,037,601.9 477,867,755.8 486,655,606.4 491,234,466.7 493,149,658.4 512,947,824.2 Total Assets
39 Utang Klaim 3,417,864.5 3,489,321.4 3,511,490.1 3,588,614.8 3,513,573.8 3,564,710.7 3,568,260.1 3,724,046.4 3,842,067.0 3,542,416.9 3,378,325.8 3,416,826.7 Claims Payable
40 Utang Koasuransi 9,136.5 10,589.6 13,226.8 14,692.6 12,633.6 14,761.8 17,773.2 17,696.6 8,592.2 38,704.5 40,944.3 47,670.7 Coinsurance Payable
41 Utang Reasuransi 2,199,552.5 2,177,127.8 2,223,158.8 2,256,348.6 2,432,315.9 2,419,586.9 2,484,254.3 2,409,167.0 2,599,251.4 2,594,309.4 2,595,057.8 2,452,902.4 Reinsurance Payable
42 Utang Komisi 1,306,342.1 1,353,642.6 1,296,630.6 1,269,977.3 1,332,787.7 1,416,476.9 1,460,250.2 1,513,631.1 1,603,507.5 1,611,523.4 1,757,860.3 1,843,061.5 Commission Payable
43 Utang Pajak 582,868.2 549,528.5 541,029.1 506,980.2 484,851.4 593,490.6 581,417.3 736,058.1 802,126.2 857,846.2 944,988.6 1,037,302.6 Tax Payable
44 Biaya yang Masih Harus Dibayar 3,283,674.0 3,306,852.8 3,309,746.7 3,337,307.7 3,416,858.0 3,303,516.7 3,367,058.2 3,425,933.0 3,531,397.0 3,829,904.6 4,055,145.2 4,321,409.8 Accrued Expense
45 Utang Lain 9,124,862.8 9,813,587.9 12,105,350.0 10,115,060.4 9,968,477.4 10,624,698.2 11,081,943.5 11,770,921.5 11,859,326.4 12,850,436.6 12,177,873.2 11,423,669.7 Others Payable
46 Jumlah Utang 19,924,300.6 20,700,650.6 23,000,632.1 21,088,981.7 21,161,497.8 21,937,241.8 22,560,956.7 23,597,453.6 24,246,267.7 25,325,141.6 24,950,195.1 24,542,843.4 Total Payable
47 Cadangan Premi 295,770,594.7 299,750,447.2 307,207,696.6 311,874,552.9 315,122,028.7 320,630,598.5 342,791,114.3 362,691,425.6 365,484,075.0 370,333,041.0 372,920,017.1 390,981,218.3 Premium Reserve
48 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 3,285,145.9 3,244,594.5 2,888,597.2 3,476,091.5 3,379,279.6 3,305,234.0 3,487,240.6 3,012,335.7 3,169,876.7 2,995,934.6 2,768,027.7 2,581,096.7 Unearned Premium Reserve
49 Cadangan Klaim 3,272,198.5 3,271,400.2 3,338,082.4 3,386,068.3 3,461,606.4 3,492,660.8 3,496,112.5 3,596,013.4 3,584,690.2 3,579,414.0 3,612,253.3 3,834,951.5 Claim Reserve
50 Cadangan atas Risiko Bencana (Catastrophic) 10,786.2 12,605.5 13,365.7 13,757.5 16,555.0 Catastrophic Reserve
51 Jumlah Cadangan Teknis 302,327,939.1 306,266,442.0 313,434,376.2 318,736,712.7 321,962,914.8 327,428,493.3 349,774,467.4 369,310,560.9 372,251,247.4 376,921,755.4 379,314,055.7 397,413,821.5 Total Technical Reserve
52 Jumlah Liabilitas 322,252,239.7 326,967,092.5 336,435,008.3 339,825,694.4 343,124,412.6 349,365,735.1 372,335,424.1 392,908,014.5 396,497,515.2 402,246,896.9 404,264,250.8 421,956,664.9 Total Liabilities
53 Pinjaman Subordinasi 601,522.1 601,522.1 601,522.1 557,522.1 557,522.1 557,522.1 557,522.1 557,522.1 557,522.1 557,522.1 557,522.1 557,522.1 Subordinate Loan
54 Modal Disetor 19,115,382.7 19,515,382.7 20,963,515.9 21,516,924.9 21,516,924.9 21,516,924.9 21,649,555.9 22,404,555.9 23,654,555.9 23,794,555.9 24,103,817.7 24,589,117.7 Paid in Capital
55 Agio Saham 19,671,804.4 19,671,804.4 19,671,804.4 19,671,804.4 19,671,804.4 19,671,804.4 19,671,804.4 19,671,804.4 19,671,804.4 19,671,804.5 19,798,724.1 19,798,737.1 Premium Stock
56 Saldo Laba 26,193,967.0 25,647,079.4 25,201,689.7 24,696,514.0 25,008,531.2 25,824,639.8 26,902,757.0 24,747,083.4 27,246,020.5 26,715,715.9 26,334,194.4 27,316,242.9 Retained Earning
57 Komponen Ekuitas Lainnya 12,727,079.0 13,914,167.2 16,627,393.7 17,428,113.9 18,275,876.3 17,819,649.2 16,920,538.0 17,578,771.3 19,028,188.3 18,247,971.4 18,091,149.3 18,729,539.5 Other Equity Components
58 Jumlah Ekuitas 77,708,233.2 78,748,433.8 82,464,403.7 83,313,357.2 84,473,136.8 84,833,018.2 85,144,655.4 84,402,215.0 89,600,569.2 88,430,047.6 88,327,885.5 90,433,637.2 Total Equities
59 JUMLAH LIABILITAS DAN EKUITAS 400,561,994.9 406,317,048.4 419,500,934.1 423,696,573.7 428,155,071.7 434,756,275.4 458,037,601.6 477,867,755.8 486,655,606.4 491,234,466.7 493,149,658.4 512,947,824.2 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
 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 23,543,460.5 23,998,961.8 24,270,416.2 23,805,414.9 24,452,775.2 23,719,474.9 24,243,125.7 24,170,305.2 24,643,346 23,799,099.6 22,602,930.8 22,597,245.0 Time Deposit
2 Sertifikat Deposito 73,500.5 52,755.2 210,942.2 198,752.3 208,080.0 Certificate Of Deposit
3 Saham 3,793,137.4 3,799,287.0 4,270,841.2 4,334,299.6 4,403,444.7 4,255,303.4 4,165,012.7 4,124,918.2 4,008,077.6 4,063,386.4 3,702,466.3 3,759,104.8 Stocks
4 Obligasi Korporasi 7,873,034.8 7,911,647.4 7,824,115.6 7,660,731.8 7,617,485.7 7,677,977.0 7,518,496.3 7,659,463.0 7,447,510.0 7,192,875.3 7,906,889.8 7,927,797.5 Bonds
5 MTN 81,834.0 26,355.7 33,737.8 33,737.8 33,737.8 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 7,235,781.1 7,576,321.7 7,708,596.0 8,020,630.6 8,199,597.1 8,173,666.5 8,108,456.7 7,709,222.4 7,770,236.5 8,150,407.7 8,853,201.4 9,010,031.0 Marketable Securities Issued By Republic Indonesia
7 Surat Berharga yang Diterbitkan oleh Negara Selain Negara RI 9,500.0 - - - - - - - 3,207.9 3,207.9 - - 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 10,312,037.8 10,412,422.5 10,357,216.8 10,444,151.1 9,763,643.2 10,761,089.8 11,526,895.7 12,428,786.4 13,164,621.9 13,063,882.1 13,130,888.6 13,978,742.8 Mutual Fund
11 Efek Beragun Aset 9,125.9 9,125.4 69,642.9 69,059.3 58,666.5 59,012.6 7,020.2 14,438.9 16,906.3 15,769.9 15,769.3 15,144.3 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat - - - 83.7 - - - - - - - - Real Estate Investment Fund
13 REPO - - - - - Repurchase Order
14 Penyertaan Langsung 6,104,280.9 6,108,650.0 6,315,212.6 6,324,825.5 6,318,419.1 6,298,176.6 6,587,663.5 6,573,805.4 6,634,968.6 6,753,317.6 6,920,017.6 7,124,151.5 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 661,968.0 661,403.6 672,581.8 671,423.4 672,015.0 666,593.6 665,466.1 667,442.9 667,165.9 666,984.0 673,211.7 686,257.9 Buildings With Strata Title or Real Estate For Investment
16 Pembelian Piutang untuk Perusahaan Pembiayaan dan/atau Bank 96,000.0 96,000.0 196,000.0 196,000.0 196,000.0 196,000.0 196,000.0 - - - - Refinancing
17 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 196,000.0 196,000.0 199,184.8 199,158.0 301,000.0 Executing
18 Emas Murni 57.2 57.2 50.1 50.1 50.1 53.1 59.8 61.1 60.7 62.6 62.2 63.2 Gold
19 Pinjaman yang Dijamin dengan Hak Tanggungan 46,328.0 46,908.7 46,174.7 46,357.8 45,964.5 39,846.0 40,061.7 39,671.5 39,004.9 40,416.1 40,418.2 43,177.2 Mortgage
20 Pinjaman Polis *) - - - - - Policy Loan
21 Investasi Lain 426,890.3 431,804.7 466,475.2 480,312.4 490,564.5 390,914.6 420,173.7 350,053.1 341,796.0 333,813.4 333,740.6 331,545.9 Other Investment
22 Jumlah Investasi 60,111,601.8 61,052,589.8 62,197,323.3 62,053,340.2 62,218,625.7 62,238,108.0 63,478,432.0 64,089,502.6 65,012,012.9 64,527,087.2 64,611,244.6 66,016,078.8 Total Investment
23 Kas dan Bank 3,828,976.0 3,246,839.7 3,573,561.5 3,342,092.0 3,186,452.9 3,460,894.0 3,511,500.5 3,375,814.7 3,479,893.2 3,370,393.8 3,696,103.0 3,862,208.1 Cash and Bank
24 Tagihan Premi Penutupan Langsung 16,806,457.5 16,134,662.9 15,819,093.4 15,687,235.3 15,506,411.9 16,228,756.3 15,664,230.5 15,130,438.8 14,572,940.8 14,503,027.5 15,043,424.9 16,588,324.3 Premium Receivable
25 Tagihan Premi Reasuransi 2,945,894.5 3,169,707.2 2,278,935.5 2,259,627.1 2,022,725.8 Reinsurance Premium Receivable
26 Aset Reasuransi 24,521,724.4 24,700,016.5 25,213,316.7 24,756,800.0 24,986,154.9 Reinsurance Asset
27 Tagihan Klaim Koasuransi 837,426.1 689,398.6 522,852.5 581,306.5 702,955.7 731,098.3 686,496.3 890,237.2 857,796.4 912,593.2 983,827.8 793,005.1 Coinsurance Claim Receivable
28 Tagihan Klaim Reasuransi 1,947,653.0 2,155,499.5 2,443,736.8 2,426,941.5 2,243,625.7 Reinsurance Claim Receivable
29 Tagihan Reasuransi 31,444,781.2 30,653,663.6 31,756,567.2 31,486,121.0 30,637,512.4 29,866,711.5 29,708,650.4 Reinsurance Receivable
30 Tagihan Investasi 56,713.1 13,515.8 9,157.4 26,482.2 11,982.4 64,190.2 20,413.4 28,505.3 3,901.6 11,458.1 11,761.9 128,703.3 Investment Receivable
31 Tagihan Hasil Investasi 216,561.7 284,884.6 238,695.6 424,105.1 279,670.3 321,517.2 302,828.3 324,195.0 282,860.9 343,234.9 311,820.4 332,773.8 Investment Yield Receivable
32 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 2,425,703.0 2,414,519.9 2,410,419.0 2,450,403.1 2,449,383.6 2,490,333.0 2,487,374.5 2,453,347.3 2,475,589.8 2,470,228.9 2,438,391.2 2,469,368.8 Property
33 Biaya Akuisisi yang Ditangguhkan 4,818.5 - - - - Deferred Acquisition Cost
34 Aset Tetap Lain 898,676.9 888,249.7 880,015.8 880,722.7 870,743.0 868,546.7 859,665.7 871,790.3 875,111.9 992,485.8 988,030.9 1,000,609.3 Other Fixed Assets
35 Aset Lain 6,929,847.3 7,262,379.4 6,947,066.9 7,284,055.3 7,268,017.7 7,543,164.0 7,516,780.3 7,747,158.3 7,638,984.5 7,888,346.3 7,602,569.7 7,501,307.0 Other Assets
36 Jumlah Bukan Investasi 63,445,142.8 61,588,114.2 62,157,429.3 62,162,523.3 60,913,129.9 61,575,211.2 60,757,940.0 60,241,577.5 60,212,302.2 60,427,757.5 60,519,298.5 61,928,806.0 Total Non Investment
37 JUMLAH ASET 123,556,744.7 122,640,704.0 124,354,752.6 124,215,863.4 123,131,755.6 123,813,319.3 124,236,372.0 124,331,080.1 125,224,315.1 124,954,844.7 125,130,543.1 127,944,884.8 Total Assets
38 Utang Klaim 2,154,629.9 2,158,173.0 2,145,335.7 1,890,462.8 1,897,270.3 1,654,097.9 1,594,619.5 1,564,407.4 1,943,939.3 2,015,794.7 2,019,738.9 1,849,956.7 Claims Payable
39 Utang Koasuransi 813,319.0 865,961.9 775,069.3 1,104,189.2 1,009,865.4 1,094,996.9 1,103,945.4 1,194,615.1 1,048,512.5 831,293.6 915,942.4 764,909.7 Coinsurance Payable
40 Utang Reasuransi 7,426,004.1 7,099,846.0 6,994,564.4 6,781,694.6 6,568,322.3 6,673,495.8 6,960,762.1 6,351,131.2 6,435,765.0 5,953,325.4 5,948,187.5 7,105,631.2 Reinsurance Payable
41 Utang Komisi 1,564,341.7 1,553,688.4 1,511,398.1 1,544,710.0 1,577,040.9 1,589,405.9 1,571,865.0 1,568,852.4 1,613,603.6 1,755,133.6 1,786,696.2 1,764,451.5 Commission Payable
42 Utang Pajak 379,098.4 360,778.9 300,419.0 238,828.9 239,597.1 351,133.3 355,226.8 342,302.2 412,262.4 409,063.0 423,774.4 449,570.4 Tax Payable
43 Biaya yang Masih Harus Dibayar 2,730,090.2 2,122,918.9 1,862,082.2 1,904,983.0 1,970,526.7 2,133,208.7 2,139,976.2 2,123,805.4 2,074,341.8 2,167,815.4 2,272,297.1 2,088,691.0 Accrued Expense
44 Utang Lain 9,710,816.0 9,467,657.6 9,758,279.9 9,961,743.4 10,299,199.8 10,067,288.0 10,071,535.1 10,319,138.1 10,139,413.8 10,353,413.2 10,353,091.6 10,595,174.7 Others Payable
45 Jumlah Utang 24,778,299.3 23,629,024.7 23,347,148.6 23,426,611.9 23,561,822.6 23,563,626.5 23,797,930.0 23,464,251.8 23,667,838.5 23,485,838.9 23,719,728.2 24,618,385.2 Total Payable
46 Cadangan Premi 5,852,750.5 5,828,531.1 7,318,257.4 7,230,587.4 7,402,555.3 7,465,065.0 7,567,400.5 7,577,799.4 7,604,158.0 7,621,681.5 8,021,561.0 8,292,626.0 Premium Reserve
47 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 22,665,820.7 22,298,383.5 22,000,410.8 21,313,590.0 20,969,122.6 20,830,898.7 20,660,167.9 20,259,597.0 20,230,795.9 19,796,430.5 19,398,010.6 21,055,010.3 Unearned Premium Reserve
48 Cadangan Klaim 22,600,719.8 22,290,383.2 22,321,193.9 22,865,245.2 22,009,594.6 22,000,882.4 22,131,168.7 22,516,866.9 22,793,780.6 22,988,035.1 22,396,888.4 21,309,932.1 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 38,377.4 51,862.6 45,489.1 112,727.1 70,752.8 Catastrophic Reserve
50 Jumlah Cadangan Teknis 51,119,291.0 50,417,297.8 51,639,862.1 51,409,422.6 50,381,272.5 50,296,846.1 50,358,737.1 50,392,640.6 50,680,597.1 50,451,636.3 49,929,187.2 50,728,321.2 Total Technical Reserve
51 Jumlah Liabilitas 75,897,590.2 74,046,322.6 74,987,010.7 74,836,034.5 73,943,095.1 73,860,472.6 74,156,667.1 73,856,892.4 74,348,435.6 73,937,475.3 73,648,915.4 75,346,706.4 Total Liabilities
52 Pinjaman Subordinasi 197,421.5 162,010.5 162,010.5 163,815.6 163,815.6 163,815.6 163,815.6 163,815.5 248,815.6 420,815.6 248,815.6 325,120.9 Subordinate Loan
53 Modal Disetor 18,279,660.1 18,299,660.1 18,450,382.0 18,451,880.9 18,552,030.6 18,552,030.6 18,851,308.7 18,867,930.9 18,851,309.5 18,956,670.5 19,062,335.5 19,316,241.8 Paid in Capital
54 Agio Saham 702,933.3 788,106.9 803,000.2 801,926.1 701,941.1 1,061,941.1 735,422.6 702,646.0 943,583.1 723,961.7 806,121.9 811,894.5 Premium Stock
55 Saldo Laba 21,068,220.1 21,531,555.9 22,234,253.1 22,119,493.0 22,366,815.5 22,486,700.8 22,521,482.5 22,736,948.9 23,016,240.7 23,111,007.1 23,747,000.3 24,181,929.8 Retained Earning
56 Komponen Ekuitas Lainnya 7,410,919.4 7,813,047.1 7,718,096.5 7,842,712.3 7,404,057.7 7,688,359.7 7,807,675.5 8,002,844.4 7,815,930.7 7,804,914.6 7,617,354.3 7,962,991.4 Other Equity Components
57 Jumlah Ekuitas 47,461,732.9 48,432,370.0 49,205,731.8 49,216,012.3 49,024,844.9 49,789,032.1 49,915,889.3 50,310,370.1 50,627,063.9 50,596,553.9 51,232,812.1 52,273,057.5 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 123,556,744.6 122,640,703.1 124,354,753.0 124,215,862.4 123,131,755.6 123,813,320.3 124,236,371.9 124,331,080.1 125,224,315.1 124,954,844.7 125,130,543.1 127,944,884.8 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 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 3,591,141.1 3,752,980.0 3,912,987.4 3,981,377.9 3,837,826.5 3,766,037.3 3,820,061.4 4,154,432.6 4,049,631.4 3,861,297.3 4,394,723.1 4,086,731.2 Time Deposit
2 Sertifikat Deposito - - - - - Certificate Of Deposit
3 Saham 313,182.2 309,020.0 329,949.4 324,620.6 314,012.3 315,571.4 301,961.1 343,367.0 427,087.2 437,818.3 430,542.4 434,847.6 Stocks
4 Obligasi Korporasi 1,523,492.6 1,573,260.0 1,552,417.6 1,600,368.4 1,658,509.0 1,808,610.2 1,834,159.0 1,828,656.0 1,878,047.9 1,847,844.0 1,863,062.2 1,959,406.7 Bonds
5 MTN 69,464.9 38,000.0 73,000.0 109,000.0 110,000.0 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 1,001,278.1 954,870.0 994,569.0 1,019,522.4 1,020,125.9 1,004,848.5 1,005,838.1 1,032,240.7 1,113,837.3 1,121,632.2 1,161,852.0 1,259,207.2 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 - - - - - - - - - - - - Marketable Securities Issued By Bank Indonesia
9 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional - - - - - - - - - - - - Marketable Securities Issued By Multinational Institution
10 Reksa Dana 1,585,541.8 1,653,230.0 1,692,346.3 1,643,190.1 1,704,606.3 1,733,853.9 1,738,586.2 1,862,874.1 1,885,375.4 1,884,338.1 1,997,014.1 2,153,057.3 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 827,494.6 830,020.0 861,113.4 862,774.9 868,779.0 868,389.6 834,120.1 815,180.8 795,230.9 797,309.7 791,701.7 830,149.9 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 221,058.7 221,060.0 221,058.7 193,422.3 193,422.3 193,422.3 193,422.3 193,422.3 193,422.3 193,422.3 193,918.3 193,918.3 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 40,551.2 37,450.0 39,869.4 38,851.9 39,524.8 39,643.9 49,280.5 38,767.8 41,353.7 39,588.9 39,459.0 40,715.0 Other Investment
22 Jumlah Investasi 9,103,740.4 9,331,900.0 9,604,311.3 9,664,128.4 9,636,806.2 9,730,377.2 9,777,428.7 10,338,406.4 10,421,986.1 10,256,250.8 10,981,272.8 11,068,033.3 Total Investment
23 Kas dan Bank 153,685.4 123,430.0 99,629.5 91,344.7 60,677.5 140,560.3 112,869.2 109,792.9 111,780.7 129,454.9 80,566.5 125,356.6 Cash and Bank
24 Tagihan Premi Penutupan Langsung 1,456,244.2 1,576,670.0 1,626,170.9 1,532,922.8 1,620,735.5 1,675,370.0 1,531,624.2 1,199,719.4 1,153,142.7 1,073,546.4 1,272,870.9 1,282,602.7 Premium Receivable
25 Tagihan Premi Reasuransi 2,553,103.6 1,071,995.0 1,012,685.1 880,647.5 972,177.4 Reinsurance Premium Receivable
26 Aset Reasuransi 727,950.7 2,634,397.8 2,780,501.9 3,042,164.5 3,291,445.9 Reinsurance Asset
27 Tagihan Klaim Koasuransi - - - - - - - - - - - - Coinsurance Claim Receivable
28 Tagihan Klaim Reasuransi 289,569.0 75,176.0 97,603.9 88,565.3 70,807.5 Reinsurance Claim Receivable
29 Tagihan Reasuransi 3,442,724.4 3,460,380.0 3,818,784.8 3,830,632.1 3,781,615.4 3,804,321.8 3,717,924.3 Reinsurance Receivable
30 Tagihan Investasi 17,548.9 2,900.0 29,998.0 3,736.1 591.9 2,105.1 8,527.9 4,970.3 15,334.2 35,561.4 18,552.1 10,220.3 Investment Receivable
31 Tagihan Hasil Investasi 69,492.9 73,360.0 64,483.1 76,080.9 64,661.4 66,934.5 72,598.3 80,128.3 52,594.1 61,959.0 51,350.6 55,067.5 Investment Yield Receivable
32 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 504,215.9 503,180.0 502,257.3 529,501.1 528,715.7 528,199.1 526,840.0 526,194.7 524,232.8 532,602.3 532,392.3 531,747.4 Property
33 Biaya Akuisisi yang Ditangguhkan - - - - - Deferred Acquisition Cost
34 Aset Tetap Lain 40,920.5 40,130.0 39,288.7 39,019.4 38,536.8 39,447.8 39,239.9 43,300.3 49,610.4 41,518.3 41,038.9 56,366.5 Other Fixed Assets
35 Aset Lain 483,016.3 474,550.0 562,140.4 478,286.2 518,591.7 535,250.5 533,481.4 556,831.0 694,025.0 774,763.0 741,604.5 757,718.9 Other Assets
36 Jumlah Bukan Investasi 6,167,848.5 6,254,590.0 6,742,752.6 6,581,523.4 6,614,125.9 6,792,189.1 6,543,105.2 6,091,560.1 6,382,288.6 6,540,196.1 6,749,753.2 7,153,510.7 Total Non Investment
37 JUMLAH ASET 15,271,588.9 15,586,500.0 16,347,063.8 16,245,651.8 16,250,932.1 16,522,566.3 16,320,534.0 16,429,966.5 16,804,274.7 16,796,446.9 17,731,025.9 18,221,543.9 Total Assets
38 Utang Klaim 277,936.1 253,870.0 237,656.5 184,697.6 211,921.2 214,073.6 182,387.4 207,345.3 258,299.1 309,754.9 321,576.4 302,138.2 Claims Payable
39 Utang Koasuransi - - - - - - - - - - - - Coinsurance Payable
40 Utang Reasuransi 583,950.0 687,710.0 860,182.7 860,028.8 901,424.4 967,397.7 686,436.5 703,162.7 821,620.1 801,708.5 788,440.5 725,166.1 Reinsurance Payable
41 Utang Komisi - - - - - - - - - - - - Commission Payable
42 Utang Pajak 53,738.4 49,830.0 64,946.6 14,152.2 21,089.1 20,227.2 1,357.2 2,196.6 26,622.6 9,729.0 15,821.4 6,253.0 Tax Payable
43 Biaya yang Masih Harus Dibayar 94,802.0 94,310.0 118,463.5 90,723.8 59,147.5 49,816.6 36,413.3 32,146.6 31,478.0 44,416.9 34,918.7 87,536.2 Accrued Expense
44 Utang Lain 208,618.9 213,020.0 195,856.4 458,120.1 270,790.8 281,548.9 218,037.9 214,514.5 230,759.5 248,464.0 294,287.0 285,153.2 Others Payable
45 Jumlah Utang 1,219,045.4 1,298,740.0 1,477,105.6 1,607,722.5 1,464,373.0 1,533,064.0 1,124,632.3 1,159,365.7 1,368,779.3 1,414,073.3 1,455,043.9 1,406,246.7 Total Payable
46 Cadangan Premi 232,116.5 335,820.0 399,299.0 358,329.8 327,393.8 313,786.2 359,720.7 359,127.8 376,868.7 365,887.5 360,663.5 361,508.5 Premium Reserve
47 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 4,373,796.9 4,100,170.0 4,563,167.7 4,414,821.4 4,585,541.2 4,624,676.0 4,458,716.4 4,137,505.5 4,396,407.4 4,357,649.4 4,641,446.5 4,893,751.4 Unearned Premium Reserve
48 Cadangan Klaim 3,367,254.4 3,582,140.0 3,603,248.0 3,693,024.8 3,680,320.4 3,807,611.1 4,083,220.2 4,050,633.8 3,808,854.4 3,800,667.9 3,826,059.5 3,792,379.8 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) - 22,039.6 22,276.7 20,985.7 20,645.7 Catastrophic Reserve
50 Jumlah Cadangan Teknis 7,973,167.9 8,018,140.0 8,565,714.7 8,466,176.0 8,593,255.3 8,746,073.3 8,901,657.3 8,547,267.0 8,604,170.2 8,546,481.5 8,849,155.2 9,068,285.4 Total Technical Reserve
51 Jumlah Liabilitas 9,192,213.4 9,316,880.0 10,042,820.3 10,073,898.5 10,057,628.3 10,279,137.3 10,026,289.6 9,706,632.8 9,972,949.5 9,960,554.8 10,304,199.1 10,474,532.1 Total Liabilities
52 Pinjaman Subordinasi 461,375.6 462,220.0 435,145.8 435,995.0 436,844.2 409,765.2 410,614.4 411,463.6 412,312.7 385,233.8 386,083.0 512,613.3 Subordinate Loan
53 Modal Disetor 1,604,735.0 1,604,730.0 1,604,735.0 1,604,735.0 1,604,735.0 1,705,548.0 1,705,548.0 2,005,548.0 2,005,548.0 2,005,548.0 2,031,437.5 2,286,437.5 Paid in Capital
54 Agio Saham 111,682.2 111,680.0 111,682.2 111,682.2 111,682.2 10,868.9 10,868.9 10,868.9 10,868.9 10,868.9 449,836.3 449,105.0 Premium Stock
55 Saldo Laba 2,231,066.9 2,399,770.0 2,402,375.0 2,435,060.0 2,442,428.6 2,503,351.4 2,495,379.3 3,436,687.1 3,548,202.4 3,606,620.8 3,712,224.1 3,633,999.7 Retained Earning
56 Komponen Ekuitas Lainnya 1,670,515.9 1,691,210.0 1,750,305.6 1,584,281.1 1,597,613.8 1,613,895.5 1,671,833.7 858,766.6 854,393.2 827,620.6 847,245.9 864,856.2 Other Equity Components
57 Jumlah Ekuitas 5,618,000.0 5,807,400.0 5,869,097.7 5,735,758.2 5,756,459.6 5,833,663.8 5,883,630.0 6,311,870.5 6,419,012.5 6,450,658.3 7,040,743.9 7,234,398.5 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 15,271,588.9 15,586,500.0 16,347,063.8 16,245,651.8 16,250,932.1 16,522,566.3 16,320,534.0 16,429,966.5 16,804,274.7 16,796,446.9 17,731,025.9 18,221,543.9 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 32,186,630.3 37,124,502.2 42,489,340.7 47,711,885.6 57,664,086.9 54,841,739.0 45,155,437.8 46,543,102.5 46,315,311.9 39,927,667.3 40,033,047.7 41,514,109.5 Time Deposit
2 Saham 46,506,421.0 45,705,323.2 42,458,965.1 38,341,265.0 37,628,767.3 43,439,802.2 50,522,438.6 49,705,351.0 51,955,432.6 51,870,617.9 53,400,452.7 60,446,161.4 Stocks
3 Sukuk atau Obligasi 33,514,776.5 33,742,302.0 34,982,101.0 35,339,752.5 35,495,978.8 35,616,975.0 35,487,251.1 35,971,131.5 36,417,185.1 36,100,263.6 36,884,158.2 37,082,799.7 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 131,782,795.3 132,303,801.6 135,100,879.2 136,385,320.1 137,724,863.4 141,128,559.8 144,592,958.8 144,880,964.3 146,102,555.1 149,640,487.1 151,805,914.8 151,726,778.2 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 19,517,056.1 19,349,147.1 19,429,310.4 18,437,972.4 16,781,022.0 18,417,657.0 17,268,239.0 21,321,683.1 24,182,857.1 26,655,240.3 27,476,857.7 30,817,611.5 Mutual Fund
9 Efek Beragun Aset 139,532.2 139,516.1 124,248.3 297,424.3 297,482.5 283,852.7 270,567.1 272,324.7 709,413.1 694,821.8 696,169.8 665,776.2 Assets Backed Securities
10 Dana Investasi Real Estate 1,000.0 1,000.0 1,000.0 - 1,000.0 1,000.0 1,000.0 - - - - - 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 26,594.6 26,594.6 26,594.6 26,594.6 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 1,908,171.3 1,906,732.0 1,906,638.3 1,906,544.5 1,889,753.4 1,889,659.6 1,947,282.4 2,209,690.7 2,210,523.2 2,210,470.0 2,215,890.3 2,224,549.4 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 265,582,977.2 270,298,918.9 276,519,077.6 278,446,759.1 287,509,549.0 295,645,839.8 295,271,769.3 300,930,842.4 307,919,872.7 307,126,162.6 312,539,085.8 324,504,380.4 Total Investment
18 Total Non Investasi 23,171,053.5 23,363,366.8 21,410,208.2 23,040,177.0 18,433,714.4 17,240,661.8 18,564,335.9 17,601,044.6 16,241,003.1 19,570,928.2 21,145,852.8 16,584,122.6 Total Non Investment
19 Total Aset 288,753,030.7 293,661,285.6 297,928,283.6 301,486,936.1 305,942,263.4 312,885,502.1 313,835,105.2 318,531,887.0 324,160,875.9 326,697,090.8 333,684,938.6 341,088,503.1 Total Assets
20 Total Liabilitas 39,425,991.7 40,633,644.4 40,368,663.8 39,244,706.2 42,292,308.7 44,782,508.0 43,016,712.2 43,362,272.4 49,229,155.4 48,600,838.7 51,028,568.4 51,195,718.1 Total Liabilty
21 Total Ekuitas dan Aset Netto 249,327,039.0 253,027,641.2 257,559,619.9 262,242,230.0 263,649,954.6 268,102,994.1 270,818,393.0 275,169,614.6 274,931,720.4 278,096,252.1 282,656,370.1 289,892,785.0 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 16,361,932.0 15,339,482.0 17,899,432.0 18,462,882.0 21,157,732.0 19,901,282.0 19,751,882.0 18,651,482 19,218,532 18,567,032 20,503,132 22,719,232 Time Deposit
2 Saham 14,051,332.6 13,063,774.9 12,463,053.6 11,205,121.0 10,173,966.6 9,873,237.8 10,455,597.0 11,702,798 11,584,673 12,511,588 10,719,145 12,537,951 Stocks
3 Sukuk atau Obligasi 26,633,659.3 26,857,321.2 26,634,555.1 26,784,171.6 27,217,056.7 28,229,132.6 28,965,644.3 29,676,731 29,876,706 29,538,736 30,276,590 33,273,268 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 27,437,260.2 28,530,576.9 29,338,250.7 28,537,209.1 28,517,768.8 28,428,605.5 28,429,209.1 28,778,433 28,880,503 28,077,288 27,633,916 24,455,943 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 11,286,834.6 11,317,205.6 12,166,437.2 13,100,440.3 13,280,929.3 13,096,071.3 12,856,293.6 12,393,450 12,037,150 12,153,689 13,144,305 14,309,155 Mutual Fund
9 Efek Beragun Aset 987,603.4 988,780.0 960,398.1 1,142,612.2 1,142,077.3 1,142,929.4 1,082,025.0 1,340,672 1,771,193 1,735,229 1,746,789 1,705,228 Assets Backed Securities
10 Dana Investasi Real Estate 184,671.1 185,352.0 186,033.5 184,828.3 185,483.3 192,347.7 193,015.8 193,671 192,413 193,121 193,723 192,243 Real Estate Investment Fund
11 Penyertaan Langsung 1,836,635.7 1,859,982.5 1,889,262.3 1,899,761.4 1,914,227.4 1,922,991.1 1,941,503.7 1,975,982 1,996,202 2,093,056 2,113,932 2,134,957 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 1,040,208.9 1,002,352.0 1,057,082.8 743,231.4 743,422.5 732,954.2 572,437.4 572,417 573,821 573,267 572,398 568,980 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 99,820,137.6 99,144,827.1 102,594,505.4 102,060,257.2 104,332,663.8 103,519,551.5 104,247,607.9 105,285,635 106,131,195 105,443,005 106,903,929 111,896,956 Total Investment
18 Total Non Investasi 20,563,087.8 20,718,051.1 20,418,681.7 21,463,166.9 20,227,432.1 20,841,623.1 20,179,985.2 20,356,160 20,016,192 20,444,954 20,960,375 20,505,219 Total Non Investment
19 Total Aset 120,383,225.4 119,862,878.2 123,013,187.1 123,523,424.1 124,560,095.9 124,361,174.7 124,427,593.1 125,641,795 126,147,387 125,887,960 127,864,304 132,402,175 Total Assets
20 Total Liabilitas 98,603,995.7 98,543,230.1 99,045,018.0 99,189,597.2 100,420,837.8 100,240,034.1 100,785,778.0 101,121,313 101,784,677 102,287,195 103,802,900 105,494,261 Total Liabilty
21 Total Ekuitas 21,779,229.7 21,319,648.1 23,968,169.0 24,333,827.0 24,139,258.1 24,121,140.6 23,641,815.1 24,520,481 24,362,710 23,600,765 24,061,404 26,907,914 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 12,184,049.0 21,411,863.2 35,188,695.6 47,827,928.2 61,841,121.6 73,789,928.1 90,704,339.4 114,807,572.5 131,845,983.6 150,564,999.4 166,882,570.1 183,845,055.9 Premium Income
2 Premi Reasuransi 476,980.9 885,532.2 1,319,037.4 1,710,999.3 2,149,967.8 2,520,072.9 2,895,853.7 3,244,839.6 3,642,901.5 3,916,285.4 4,327,252.6 4,804,977.7 Reinsurance Income
3 Penurunan (kenaikan) CAPYBMP (904,917.5) (823,192.7) (724,006.1) (1,009,573.0) (892,785.9) (922,178.2) (1,115,011.0) (966,063.6) (1,137,209.5) (987,523.1) (783,325.6) (606,912.0) Decrease (increase) in Premium Reserve And Unearned Premium Reserve
4 Jumlah Pendapatan Premi Neto 10,802,150.6 19,703,138.3 33,145,652.1 45,107,355.8 58,798,367.9 70,347,677.1 86,693,474.6 110,596,669.3 127,065,872.5 145,661,190.8 161,771,992.0 178,433,166.1 Total Net Premium Income
5 Hasil Investasi 890,725.1 2,596,445.1 6,546,982.6 8,596,051.2 9,873,845.7 13,933,436.8 18,042,367.8 27,447,442.4 30,732,468.6 32,588,873.0 33,366,291.4 47,758,422.4 Investment Yield
6 Imbalan Jasa DPLK/ Jasa Manajemen Lainnya 84,906.9 170,568.4 264,551.9 331,983.5 456,981.7 545,954.4 652,661.6 673,874.7 804,858.5 951,631.7 1,050,239.5 1,155,184.2 Revenue from DPLK Services / Other Management Services
7 Pendapatan Lain 269,481.2 556,816.7 967,662.5 1,397,963.9 1,793,229.8 2,434,906.6 2,825,821.6 4,004,156.1 3,605,516.9 3,596,593.0 4,322,525.6 4,714,364.8 Other Revenue
8 Jumlah Pendapatan 12,047,263.8 23,026,968.5 40,924,849.1 55,433,354.4 70,922,425.1 87,261,974.9 108,214,325.6 142,722,142.5 162,208,716.6 182,798,288.6 200,511,048.5 232,061,137.6 Total Revenue
9 Klaim dan Manfaat Dibayar 6,484,888.7 12,427,673.3 20,385,438.4 27,540,690.7 36,588,057.9 43,929,601.6 53,823,352.6 42,676,887.4 49,622,934.2 56,926,760.5 63,152,461.3 69,389,346.4 Claim and Benefit Paid
10 Klaim Penebusan Unit 26,080,967.3 31,361,388.7 36,192,187.0 41,219,699.3 46,376,290.6 Unit Redemption Claim
11 Klaim Reasuransi 226,904.5 474,009.0 665,095.9 1,019,344.0 1,301,997.3 1,561,993.1 1,796,391.1 1,998,877.5 2,324,989.5 2,641,090.7 3,038,334.5 3,318,703.2 Reinsurance Recovery
12 Kenaikan (Penurunan) Cadangan Premi 2,201,367.6 4,133,762.7 10,197,038.8 14,181,300.4 16,628,420.6 20,850,900.6 26,650,139.2 17,150,954.5 20,834,883.6 21,623,104.3 22,973,226.0 29,691,592.7 Increase (decrease) in Premium Reserve
13 Kenaikan (Penurunan) Cadangan Klaim 20,290.9 35,176.0 (80,631.1) 64,080.6 125,621.2 146,707.6 168,983.2 441,058.5 198,977.9 204,093.6 223,595.2 494,939.8 Increase (decrease) in Claim Reserve
14 Kenaikan (Penurunan) Cadangan atas Risiko Bencana 14,615.9 7,015.0 7,654.4 8,031.9 8,021.8 Increase (decrease) in Catastrophic Reserve
(Catastrophic)
15 Jumlah Beban Klaim dan Manfaat 8,479,642.7 16,122,603.0 29,836,750.1 40,766,727.6 52,040,102.4 63,365,216.7 78,846,083.9 84,365,606.1 99,700,210.0 112,312,709.1 124,538,679.2 142,641,488.0 Total Claims and Benefits
16 Beban Komisi - Tahun Pertama 549,887.9 1,133,476.4 1,840,484.1 2,380,169.7 3,156,780.7 3,866,812.2 4,574,863.2 5,165,364.6 5,784,643.0 6,447,421.3 7,274,499.3 8,048,438.3 First Year Commision
17 Beban Komisi - Tahun Lanjutan 310,650.2 587,511.8 880,156.2 1,146,269.2 1,448,129.9 1,727,460.7 2,022,814.6 2,298,034.4 2,579,191.1 2,891,874.7 3,198,087.2 3,492,417.4 Renewal Commision
18 Beban Komisi - Overriding 223,714.1 450,046.6 696,258.1 903,269.1 1,166,589.1 1,393,397.0 1,690,917.8 1,935,540.8 2,189,601.6 2,463,395.1 2,716,003.7 3,003,956.6 Overriding Commmision
19 Beban Lainnya 247,432.7 503,198.0 787,234.1 1,062,919.9 1,358,659.0 1,657,235.8 1,976,287.4 2,894,895.8 3,436,229.9 3,867,584.3 4,164,179.5 4,551,393.7 Other Expenses
20 Jumlah Biaya Akuisisi 1,331,684.8 2,674,232.9 4,204,132.5 5,492,627.9 7,130,158.6 8,644,905.7 10,264,883.1 12,293,835.6 13,989,665.6 15,670,275.4 17,352,769.7 19,096,206.0 Total Acquisition Cost
21 Jumlah Beban Asuransi 9,811,327.6 18,796,835.9 34,040,882.6 46,259,355.5 59,170,261.0 72,010,122.4 89,110,967.0 96,659,441.7 113,689,875.5 127,982,984.5 141,891,448.8 161,737,694.0 Total Insurance Expenses
22 Beban Pemasaran 188,428.3 380,572.1 531,141.9 815,117.2 820,857.2 1,005,366.6 1,205,715.3 1,454,518.2 1,653,349.2 1,862,199.0 2,112,717.9 2,381,193.0 Marketing Expenses
23 Beban Pegawai dan Pengurus 616,301.7 1,060,237.9 1,562,870.4 2,104,115.8 2,654,879.4 3,197,650.5 3,713,182.9 4,471,831.1 5,035,742.1 5,669,241.4 6,088,195.7 6,779,752.7 Employee and Management Expenses
24 Beban Pendidikan dan Pelatihan 27,291.5 48,855.3 71,719.6 93,985.7 119,186.4 139,556.3 153,321.0 174,012.0 195,836.7 225,036.0 251,862.4 279,352.1 General And Administration Expenses
25 Beban Umum dan Administrasi Lainnya 295,374.3 838,622.8 1,480,104.3 2,019,508.8 2,584,000.2 3,163,420.0 4,076,475.2 4,928,968.3 5,652,022.7 6,030,143.0 6,786,381.2 7,521,515.7 Other General And Administration Expenses
26 Beban Manajemen 869,656.2 695,475.8 1,251,640.7 1,299,789.0 1,429,844.5 Management Expenses
27 Beban Mortalitas 1,981,834.0 10,302,379.1 12,766,106.7 13,013,880.6 13,921,729.5 Mortality Expenses
28 Beban Usaha Lainnya 414,728.0 439,951.5 662,018.5 678,886.5 553,481.2 Other Operating Expenses
29 Hasil (Beban) Lain (74,302.5) (112,959.9) (188,318.3) (305,322.3) (446,642.4) (679,559.1) (1,637,505.2) Others Income (Loss)
30 Jumlah Beban Usaha 14,295,547.9 23,974,757.2 28,466,385.2 30,231,713.5 32,866,868.7 Total Operating Expenses
31 Jumlah Beban 11,013,025.8 21,238,083.9 37,875,037.1 51,597,405.4 65,795,826.5 80,195,674.9 99,897,166.5 110,954,989.6 137,664,632.7 156,449,369.6 172,123,162.3 194,604,562.7 Total Expenses
32 Kenaikan (Penurunan) Nilai Aset* 27,453,595.6 21,081,650.2 17,578,234.5 16,980,546.6 24,375,725.9 Increase (decrease) in Asset Value
33 Laba (Rugi) Sebelum Pajak 1,034,238.0 1,788,884.7 3,049,812.0 3,835,949.0 5,126,598.6 7,066,300.0 8,317,159.2 4,313,557.3 3,462,433.7 8,770,684.5 11,407,339.6 13,080,848.9 Income (Loss) Before Tax
34 Pajak Penghasilan 153,865.1 323,472.3 488,851.3 690,660.7 875,540.7 1,147,957.4 1,327,495.7 1,464,232.9 1,610,735.2 1,702,510.0 1,862,392.9 1,957,700.2 Taxes
35 Laba (Rugi) Setelah Pajak 880,372.9 1,465,412.4 2,560,960.7 3,145,288.3 4,251,057.9 5,918,342.6 6,989,663.5 2,849,324.4 1,851,698.5 7,068,174.5 9,544,946.7 11,123,148.7 Income (Loss) After Tax
36 Pendapatan Komprehensif Lain 594,498.0 1,172,695.0 2,747,872.0 3,113,859.0 3,823,360.8 3,909,915.7 3,838,597.5 3,716,986.4 5,606,489.6 4,392,523.1 4,609,798.9 3,636,012.0 Other Comprehensif Income
37 Total Laba (Rugi) Komprehensif 1,474,870.8 2,638,107.4 5,308,832.8 6,259,147.3 8,074,418.8 9,828,258.4 10,828,261.0 6,566,310.7 7,458,188.1 11,460,697.5 14,154,745.6 14,759,160.7 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 5,321,828.8 9,101,140.1 14,193,506.3 18,325,981.5 22,463,169.7 28,091,598.4 33,345,491.3 37,522,089.7 42,919,530.8 47,113,741.0 52,039,486.0 59,577,693.4 Direct Premium
2 Premi Penutupan Tidak Langsung 237,220.1 358,922.6 709,696.3 1,147,439.3 1,399,665.1 2,008,117.8 2,185,457.7 2,542,091.9 2,643,788.2 2,929,776.3 3,648,206.1 4,043,826.2 Indirect Premium
3 Jumlah Pendapatan Premi 40,064,181.6 45,563,319.0 50,043,517.3 55,687,692.1 63,621,519.6 Total Premium Income
4 Komisi Dibayar 701,617.2 1,324,728.1 1,958,144.9 2,654,137.8 3,407,769.9 4,199,642.5 5,005,728.6 5,906,279.6 6,518,531.1 7,253,353.3 7,952,406.6 8,965,425.7 Commission Paid
5 Jumlah Premi Bruto 4,857,431.6 8,135,334.6 12,945,057.8 16,819,283.0 20,455,065.0 25,900,073.8 30,525,220.4 34,157,902.0 39,044,787.8 42,790,164.0 47,735,285.5 54,656,093.9 Total Gross Premium
6 Premi Reasuransi Dibayar 2,214,246.0 3,690,788.2 6,499,465.3 8,265,090.4 10,062,096.5 13,098,044.9 15,356,197.6 16,812,260.7 20,000,141.6 21,582,339.0 24,082,432.1 27,876,038.2 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 345,262.6 614,041.8 913,957.0 1,204,169.8 1,515,337.8 2,032,141.3 2,393,853.0 2,718,558.5 3,112,715.1 3,430,198.1 3,776,975.7 4,382,197.5 Reinsurance Commission
8 Jumlah Premi Reasuransi 1,868,983.4 3,076,746.4 5,585,508.3 7,060,920.6 8,546,758.7 11,065,903.6 12,962,344.6 14,093,702.1 16,887,426.5 18,152,140.9 20,305,456.3 23,493,840.7 Total Reinsurance Premium
9 Premi Netto 2,988,448.3 5,058,588.2 7,359,549.5 9,758,362.4 11,908,306.3 14,834,170.2 17,562,875.8 20,064,199.9 22,157,361.4 24,638,023.0 27,429,829.2 31,162,253.2 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi (29,354.9) (47,283.9) 1,476.9 (544,573.0) (525,864.6) (751,375.4) (811,704.5) (852,453.6) 12,641.7 (1,058,452.1) (1,198,744.7) (836,347.2) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP (530,477.8) (462,864.8) (545,339.4) 27,115.0 6,298.0 134,659.2 5,795.3 112,682.6 (578,041.7) 437,891.1 575,626.6 (527,663.8) Decrease (Increase) In Unearned Premium Reserve
12 Penurunan (kenaikan) Cadangan atas Risiko Bencana (Catastrophic) (49,972.1) (9,513.1) (8,986.6) (47,711.9) (43,253.4) Decrease (Increase)
Total Decrease In Catastrophic
(Increase) In PremiumReserve
Reserve and Unearned
13 Jumlah Penurunan (Kenaikan) Cadangan Premi dan CAPYBMP (559,832.7) (510,148.7) (543,862.5) (517,458.0) (519,566.6) (616,716.2) (805,909.2) (789,743.1) (574,913.1) (629,547.6) (670,830.0) (1,407,264.5) Premium Reserve
14 Jumlah Pendapatan Premi Neto 2,428,615.5 4,548,439.5 6,815,687.0 9,240,904.4 11,388,739.7 14,217,454.0 16,756,966.5 19,274,456.8 21,582,448.3 24,008,475.4 26,758,999.2 29,754,988.8 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto 4,540.3 6,652.0 11,385.6 14,789.5 21,141.5 26,678.3 31,410.6 64,340.4 69,142.8 75,715.1 90,194.4 101,216.6 Nett Other Underwriting Income
16 PENDAPATAN UNDERWRITING 2,433,155.9 4,555,091.4 6,827,072.7 9,255,693.9 11,409,881.2 14,244,132.3 16,788,377.1 19,338,797.3 21,651,591.1 24,084,190.5 26,849,193.6 29,856,205.4 Underwriting Income
17 Klaim Bruto 2,297,611.7 4,385,709.2 6,330,078.8 8,289,191.1 11,113,840.4 12,843,050.7 15,275,429.0 17,333,645.9 19,548,637.6 22,216,616.2 24,867,680.4 27,389,085.2 Gross Claims
18 Klaim Reasuransi 911,612.9 1,812,589.4 2,343,376.7 3,078,097.2 4,468,907.4 5,111,835.6 6,071,695.5 6,664,126.2 7,454,069.5 8,529,027.4 9,636,334.2 10,594,219.7 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim 22,981.0 36,724.2 13,655.9 71,982.6 122,479.3 190,100.2 489,100.3 641,282.8 668,533.7 624,274.4 519,358.7 349,883.9 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 1,408,979.8 2,609,844.0 4,000,358.0 5,283,076.6 6,767,412.4 7,921,315.4 9,692,833.9 11,310,802.6 12,763,101.8 14,311,863.1 15,750,704.8 17,144,749.5 Total Claim Expenses
21 Beban Underwriting Lain Neto 47,146.7 93,303.3 178,294.2 232,985.6 308,698.7 397,814.7 475,697.1 556,315.7 640,230.8 702,089.1 750,355.3 946,329.2 Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 1,456,126.5 2,703,147.3 4,178,652.2 5,516,062.2 7,076,111.1 8,319,130.1 10,168,531.0 11,867,118.3 13,403,332.7 15,013,952.3 16,501,060.1 18,091,078.7 Total Underwriting Expenses
23 Hasil Underwriting 977,029.4 1,851,944.1 2,648,420.5 3,739,631.7 4,333,770.1 5,925,002.2 6,619,846.2 7,471,679.0 8,248,258.4 9,070,238.3 10,348,133.5 11,765,126.7 Underwriting Result
24 Hasil Investasi 330,554.8 576,316.7 876,147.0 1,325,912.0 1,635,524.2 2,004,894.3 2,328,455.2 2,686,711.1 3,084,888.7 3,339,977.9 3,963,657.9 4,400,318.3 Investment Yield
25 Beban Pemasaran 112,267.1 255,976.4 374,383.9 501,934.4 646,464.3 776,074.3 916,283.0 1,050,261.6 1,195,222.5 1,352,302.8 1,519,777.1 1,765,009.2 Marketing Expenses
26 Beban Pegawai dan Pengurus 363,739.0 734,556.9 1,077,688.4 1,465,603.4 1,857,771.5 2,488,826.5 2,863,763.1 3,242,616.3 3,638,326.6 3,972,919.1 4,389,576.3 4,808,065.0 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 16,851.8 29,329.7 48,646.7 68,904.4 92,034.2 115,815.7 128,794.3 154,714.5 175,779.5 191,145.6 222,937.3 240,247.1 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 266,778.7 581,109.4 817,150.3 1,160,943.4 1,467,885.2 1,766,222.4 2,118,089.8 2,420,004.0 2,763,713.3 3,084,470.1 3,403,533.4 3,890,290.2 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 759,636.7 1,600,972.4 2,317,869.3 3,197,385.5 4,064,155.3 5,146,939.0 6,026,930.2 6,867,596.4 7,773,041.8 8,600,837.6 9,535,824.1 10,703,611.5 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 547,947.5 827,288.5 1,206,698.2 1,868,158.2 1,905,139.1 2,782,957.5 2,921,371.2 3,290,793.7 3,560,105.3 3,809,378.6 4,775,967.3 5,461,833.6 Income (Loss) Insurance Business
33 Hasil (Beban) Lain (25,125.1) (45,313.8) (4,383.8) (71,483.3) 28,399.3 (18,219.7) (121,859.5) (133,030.4) (133,314.5) (65,861.8) (44,086.2) (139,054.0) Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 522,822.4 781,974.7 1,202,314.4 1,796,675.0 1,933,538.4 2,764,737.8 2,799,511.7 3,157,763.3 3,426,790.8 3,743,516.8 4,731,881.1 5,322,779.6 Income (Loss) Before Tax
35 Pajak Penghasilan 67,438.3 96,451.9 159,823.3 225,557.6 222,633.9 381,174.7 354,962.5 414,876.8 390,588.1 437,792.1 570,241.5 670,913.5 Taxes
36 Laba Setelah Pajak 455,384.2 685,522.9 1,042,491.1 1,571,117.3 1,710,904.5 2,383,563.1 2,444,549.2 2,742,886.5 3,036,202.8 3,305,724.7 4,161,639.6 4,651,866.1 Income After Tax
37 Pendapatan Komprehensif Lain 38,531.0 31,468.6 450,262.7 547,581.8 509,223.7 419,160.9 462,729.1 594,738.7 629,083.3 574,465.2 472,108.8 695,954.3 Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 493,915.2 716,991.5 1,492,753.8 2,118,699.1 2,220,128.2 2,802,724.0 2,907,278.4 3,337,625.2 3,665,286.1 3,880,189.9 4,633,748.3 5,347,820.4 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 1,114,471.9 2,363,469.7 3,867,961.6 4,890,615.1 5,923,672.4 7,374,045.9 8,276,443.5 9,280,654.0 10,825,586.1 12,054,475.3 13,903,594.0 16,028,747.1 Indirect Premium
3 Jumlah Pendapatan Premi 9,280,654.0 10,825,586.1 12,054,475.3 13,903,594.0 16,028,747.1 Total Premium Income
4 Komisi Dibayar 241,735.6 559,292.4 908,547.9 1,125,449.5 1,410,049.4 1,676,295.9 1,898,527.9 2,153,490.1 2,424,780.1 2,661,363.1 2,968,209.2 3,441,345.1 Commission Paid
5 Jumlah Premi Bruto 872,736.3 1,804,177.4 2,959,413.7 3,765,165.6 4,513,623.0 5,697,750.0 6,377,915.5 7,127,164.0 8,400,806.0 9,393,112.2 10,935,384.8 12,587,402.0 Total Gross Premium
6 Premi Reasuransi Dibayar 539,742.7 917,600.6 1,603,034.3 1,948,089.6 2,260,819.8 2,926,499.6 3,211,425.8 3,446,926.2 4,084,743.1 4,717,730.9 5,568,222.6 6,627,407.7 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 120,467.4 171,814.6 314,012.9 352,912.3 415,757.3 490,313.3 538,829.4 569,172.9 596,180.8 651,394.6 701,284.8 844,281.9 Reinsurance Commission
8 Jumlah Premi Reasuransi 419,275.3 745,786.0 1,289,021.4 1,595,177.3 1,845,062.4 2,436,186.3 2,672,596.4 2,877,753.2 3,488,562.3 4,066,336.3 4,866,937.8 5,783,125.7 Total Reinsurance Premium
9 Premi Netto 453,461.0 1,058,391.4 1,670,392.3 2,169,988.3 2,668,560.5 3,261,563.7 3,705,319.2 4,249,410.7 4,912,243.7 5,326,775.9 6,068,447.0 6,804,276.3 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi (339.8) 20,661.9 (15,461.0) 4,324.8 (6,904.9) (20,391.9) (11,508.4) (16,583.2) (5,431.7) 1,843.2 (9,535.2) (13,490.1) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP 7,838.1 76,252.4 (13,544.2) 81,160.7 (55,579.6) (129,361.7) (10,614.4) 13,218.1 (149,348.4) (32,948.3) (176,757.3) (127,227.8) 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 7,498.3 96,914.2 (29,005.2) 85,485.5 (62,484.5) (149,753.6) (22,122.8) (3,365.1) (154,780.2) (31,105.2) (186,292.5) (140,717.9) Total Decrease (Increase) In Premium Reserve and Unearned Premium Reserve
14 Jumlah Pendapatan Premi Neto 460,959.3 1,155,305.6 1,641,387.0 2,255,473.8 2,606,076.0 3,111,810.2 3,683,196.4 4,246,045.6 4,757,463.5 5,295,670.7 5,882,154.5 6,663,558.4 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto - 412.4 412.4 412.4 110.2 110.0 109.6 (202.7) (162.0) (194.8) (194.8) (194.8) Nett Other Underwriting Income
16 Pendapatan Underwriting 460,959.3 1,155,718.0 1,641,799.4 2,255,886.1 2,606,186.2 3,111,920.1 3,683,306.0 4,245,842.9 4,757,301.5 5,295,475.9 5,881,959.7 6,663,363.6 Underwriting Income
17 Klaim Bruto 455,062.1 897,971.8 1,412,192.6 1,796,699.8 2,221,375.8 2,651,668.6 3,052,174.4 3,508,699.9 4,052,284.1 4,735,703.4 5,326,664.2 6,117,908.2 Gross Claims
18 Klaim Reasuransi 29,615.0 95,942.6 172,152.3 225,319.0 290,830.4 342,694.6 422,573.8 486,848.9 576,759.6 772,493.7 879,316.6 1,057,400.1 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim (169,996.8) 31,906.9 32,628.7 136,538.3 146,690.7 217,095.1 373,359.6 456,448.7 369,950.4 373,616.5 325,480.5 299,292.0 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 255,450.2 833,936.1 1,272,669.0 1,707,919.1 2,077,236.1 2,526,069.1 3,002,960.2 3,478,299.8 3,845,474.9 4,336,826.1 4,772,828.1 5,359,800.1 Total Claim Expenses
21 Beban Underwriting Lain Neto 93.7 178.5 628.7 805.3 1,145.6 1,232.3 1,316.5 1,842.0 2,318.5 11,709.1 11,775.4 13,880.4 Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 255,543.9 834,114.5 1,273,297.7 1,708,724.4 2,078,381.7 2,527,301.4 3,004,276.7 3,480,141.7 3,847,793.4 4,348,535.1 4,784,603.5 5,373,680.5 Total Underwriting Expenses
23 Hasil Underwriting 205,415.4 321,603.5 368,501.7 547,161.8 527,804.5 584,618.7 679,029.3 765,701.2 909,508.1 946,940.8 1,097,356.3 1,289,683.1 Underwriting Result
24 Hasil Investasi 52,947.6 104,879.9 172,906.7 218,485.3 270,603.7 321,827.2 361,004.3 418,747.5 461,842.6 524,744.9 568,078.4 653,791.2 Investment Yield
25 Beban Pemasaran 1,755.2 3,635.2 6,130.4 8,612.5 11,194.5 13,373.5 18,040.7 20,705.9 27,265.4 33,206.9 38,030.4 39,634.6 Marketing Expenses
26 Beban Pegawai dan Pengurus 22,998.1 41,182.4 57,318.2 83,599.9 127,060.1 153,010.0 168,880.0 201,329.8 255,482.3 283,995.9 315,241.4 373,690.4 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 671.3 1,035.9 2,248.5 3,665.6 5,017.4 5,730.1 6,876.4 8,984.8 12,915.0 14,754.3 16,261.4 19,447.1 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 10,263.4 26,683.8 59,737.7 80,370.9 99,573.2 133,974.5 163,803.7 167,526.8 130,859.8 148,713.7 168,813.9 210,143.5 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 35,688.1 72,537.4 125,434.9 176,248.9 242,845.2 306,088.2 357,600.7 398,547.3 426,522.5 480,670.9 538,347.0 642,915.6 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 222,674.9 353,946.0 415,973.5 589,398.1 555,563.1 600,357.7 682,432.9 785,901.4 944,828.2 991,014.8 1,127,087.6 1,300,558.7 Income (Loss) Insurance Business
33 Hasil (Beban) Lain (14,280.0) (24,835.7) (35,822.3) (46,280.4) (56,432.3) (62,907.7) (72,819.8) (80,283.4) (90,593.0) (98,188.8) (103,994.1) (114,619.0) Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 208,394.9 329,110.2 380,151.2 543,117.7 499,130.8 537,450.0 609,613.0 705,618.0 854,235.2 892,826.0 1,023,093.5 1,185,939.7 Income (Loss) Before Tax
35 Pajak Penghasilan 24,590.3 58,748.5 52,632.9 79,641.9 66,019.8 75,485.6 79,341.9 95,355.7 99,277.9 97,162.0 134,421.9 183,744.7 Taxes
36 Laba Setelah Pajak 183,804.6 270,361.7 327,518.3 463,475.9 433,111.0 461,964.4 530,271.1 610,262.3 754,957.2 795,664.0 888,671.6 1,002,195.0 Income After Tax
37 Pendapatan Komprehensif Lain 9,977.1 22,207.3 77,086.2 90,579.9 98,348.3 111,479.3 97,778.5 137,392.9 40,988.2 133,988.7 163,372.3 177,621.7 Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 193,781.6 292,569.0 404,604.5 554,055.7 531,459.3 573,443.7 628,049.6 747,655.2 795,945.4 929,652.7 1,052,044.0 1,179,816.6 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 8,406,430.7 18,552,997.5 29,263,626.5 39,869,282.6 50,884,986 61,600,668.4 72,718,811.8 85,921,069.5 95,129,295 106,345,608.7 117,179,172.9 130,486,375.2 Gross Premium
2 Klaim Bruto 8,054,136.4 16,728,662.5 25,703,070.1 34,158,733.0 43,691,404 52,624,594.9 61,510,666.1 71,177,214.7 80,110,267 89,267,066.9 98,497,301.3 109,809,356.3 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 969,074.0 1,903,958.0 2,883,937.4 3,733,559.5 4,800,083 5,743,827.7 6,758,124.0 7,796,245.5 8,785,864 9,801,096.9 10,838,014.7 11,899,573.6 Gross Premium
2 Klaim Bruto 1,119,197.9 1,865,740.0 2,641,525.3 3,402,768.0 4,307,449 5,205,678.5 6,241,779.8 7,400,894.9 8,534,373 9,606,666.7 10,621,211.9 11,793,989.5 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.