Kinerja

Asuransi Umum Dan Reasuransi

Triwulan II – 2021

Disampaikan dalam
AAUI CEO GATHERING
03 SEPTEMBER 2021
 PEMBAHASAN

EKONOMI MAKRO 01

KINERJA INDUSTRI
02
ASURANSI

KINERJA ASURANSI UMUM 03

04 KINERJA REASURANSI
 EKONOMI MAKRO

PENETRASI ASURANSI DENSITAS ASURANSI

2021 (Premi /Populasi)
PERIODE 2017 2018 2019 2020 (Premi/PDB)
(Q-2)
INDUSTRI ASURANSI INDUSTRI ASURANSI
ASURANSI THN UMUM ASURANSI THN UMUM

PERTUMBUHAN
5,07% 5,17% 5,20% -2,19% 3,31%* 2,89% 2017 0,47% 1.488.555 2017 245.211
EKONOMI

2,92% 2018 0,47% 1.565.732 2018 264.151

PDB
13.590 14.838 15.834 15.434 4.175
(Triliun Rp.) 3,03% 2019 0,51% 1.704.034 2019 298.507

3,23% 2020 0,50% 1.747.239 2020 284.559

POPULASI
261,9 265,0 268,0 270,2 272,2
(Juta Jiwa) 6,20% 202I 0,92% 950.530 202I 141.591
JUNI JUNI

Keterangan :
*Pertumbuhan Ekonomi Q2 terhadap Q1 – 2021

Sumber : BPS
 EKOSISTEM ASURANSI

JUMLAH PERUSAHAAN 2017 2018 2019 2020 JUNI 2021

ASURANSI UMUM 74 74 73 72 72

REASURANSI 6 6 6 6 6

PIALANG ASURANSI 168 167 161 160 156

PIALANG REASURANSI 43 43 42 42 41

AGEN ASURANSI UMUM BARU

(Bersertifikat/Thn)
5.948 6.838 6.681 6.191 3.624

Catatan :
Total akumulasi Agen Asuransi umum terdaftar & bersertifikat per Juni 2021 : 56.375

Sumber : OJK & AAUI

 ASET & PORSI – INDUSTRI ASURANSI,
ASURANSI UMUM & REASURANSI (Triliun RP.)

12,7% 11,8% 19,3%

2,1% 1,9% 3,1%

ASSET, PREMI &

KLAIM DIBAYAR

15,5%
14,9% 10,3% 8,4%

4,3%
3,8% 3,7% 3,2%

PREMI INDUSTRI ASURANSI, ASURANSI UMUM & REASURANSI (Triliun Rp.) KLAIM INDUSTRI ASURANSI, ASURANSI UMUM & REASURANSI (Triliun RP.)
Sumber : OJK
 KINERJA INDUSTRI ASURANSI
Triliun Rupiah

INDUSTRI ASURANSI ASURANSI UMUM REASURANSI

KOMPONEN
JUNI 2020 JUNI 2021 TUMBUH JUNI 2020 JUNI 2021 TUMBUH JUNI 2020 JUNI 2021 TUMBUH

Total Investasi 1,093.07 742.21 -32.1% 77.01 84.54 9.8% 13.97 16.85 20.6%

Total Aset 1,284.87 952.38 -25.9% 163.05 183.45 12.5% 26.87 29.65 10.3%

Total Liabilitas 740.32 302.23 -59.2% 99.43 115.33 16.0% 17.64 18.84 6.8%

Total Ekuitas 542.94 678.19 24.9% 62.93 67.41 7.1% 8.86 9.50 7.3%

Premi dicatat 243.17 258.73 6.4% 37.77 38.54 2.1% 10.58 9.88 -6.6%

Klaim dibayar 172.57 163.73 -5.1% 17.86 13.69 -23.3% 6.43 5.16 -19.7%

Hasil Investasi - - - 1.78 1.91 7.5% 0.27 0.34 27.7%

Hasil Underwriting - - - 7.04 7.87 11.7% 0.22 0.07 -66.7%

Laba setelah Pajak - - - 2.32 3.20 38.3% 0.16 0.10 -39.8%

Sumber : OJK Diolah

 RASIO KECUKUPAN
ASURANSI UMUM REASURANSI
INDIKATOR
JUNI 2020 DES 2020 JUNI 2021 JUNI 2020 DES 2020 JUNI 2021

Kecukupan Premi terhadap Pembayaran Klaim 211.5% 205.2% 281.5% 201.8% 164.6% 231.4%

Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 156.3% 153.1% 194.3% 193.2% 158.7% 218.2%

Kecukupan Premi dan Hasil Investasi terhadap Pembayaran

221.5% 216.2% 295.5% 206.0% 169.3% 238.0%
Klaim
Kecukupan Premi dan Hasil Investasi terhadap Pembayaran
163.6% 161.3% 203.9% 197.2% 163.2% 224.5%
Klaim dan Biaya Umum
Sesi Asuransi 46.3% 43.3% 46.9% 48.3% 51.9% 44.7%

Investasi terhadap Cadangan Teknis 109.0% 112.5% 99.4% 96.8% 112.5% 112.4%

Komisi/Premi Bruto 13.53% 14.26% 14.12% 20.89% 20.36% 22.64%

Hasil UW/Premi Bruto 23.17% 21.07% 21.29% 0.74% 2.50% 2.07%

Hasil UW/ Premi Neto 42.27% 35.82% 38.28% 1.55% 6.01% 4.63%

Beban Usaha/Premi Bruto 18.11% 18.94% 19.06% 3.16% 2.71% 2.71%

Beban Usaha/Premi Neto 33.04% 32.20% 34.28% 6.63% 6.50% 6.06%

Sumber : OJK Diolah

 KINERJA ASURANSI UMUM
Milyar Rupiah

PREMI DICATAT KLAIM DIBAYAR

TUMBUH LINI USAHA TUMBUH
Q2 - 2020 Q2 - 2021 SELISIH Q2 - 2020 Q2 - 2021 SELISIH
(%) (%)
9,447 10,967 1,520 16.1% PROPERTY 3,655 2,812 (843) -23.1%
7,811 7,404 (407) -5.2% MOTOR VEHICLE 3,969 2,877 (1,092) -27.5%
1,830 1,818 (12) -0.7% MARINE CARGO 469 489 20 4.2%
1,065 1,141 76 7.1% MARINE HULL 711 404 (308) -43.3%
914 367 (547) -59.9% AVIATION 174 366 192 110.2%
28 22 (6) -20.4% SATELITE - - - -
64 93 29 45.4% ENERGY OFF SHORE 27 96 69 257.4%
1,343 889 (454) -33.8% ENERGY ON SHORE 306 315 9 3.1%
1,337 1,469 131 9.8% ENGINEERING 728 621 (106) -14.6%
1,549 1,601 51 3.3% LIABILITY 152 84 (68) -44.5%
4,153 4,218 64 1.5% PA & HEALTH 2,304 2,099 (205) -8.9%
5,785 5,872 87 1.5% CREDIT INSURANCE* 4,098 2,477 (1,620) -39.5%
679 856 177 26.1% SURETY SHIP 117 221 105 89.8%
1,596 1,659 63 4.0% MISCELLANEOUS 339 245 (94) -27.8%
37,602 38,374 772 2.1% TOTAL 17,048 13,106 (3,941.89) -23.1%
PREMI DICATAT KLAIM DIBAYAR
PORSI PORSI LINI USAHA PORSI PORSI
Keterangan : Q1-21 Q2-21 Q1-21 Q2-21
(%) (%) (%) (%)
a. *) Periode kredit jangka panjang 1,197 43.1% 1,547 36.7% ACCIDENT 439 41.7% 650 31.0%
b. Sumber data AAUI (72 Perusahaan Asuransi Umum)
c. Data dalam Milyar Rupiah 1,577 56.9% 2,670 63.3% HEALTH 614 58.3% 1,449 69.0%
ACCIDENT+
2,773 4,218 1,053 2,099
HEALTH
PREMI DICATAT ASURANSI UMUM KLAIM DIBAYAR ASURANSI UMUM

PREMI DICATAT REASURANSI KLAIM DIBAYAR REASURANSI

Sumber : AAUI
 KINERJA REASURANSI
Milyar Rupiah
PREMI DICATAT KLAIM DIBAYAR
LINI USAHA
Q2 - 2020 Q2 - 2021 SELISIH TUMBUH (%) Q2 - 2020 Q2 - 2021 SELISIH TUMBUH (%)
4,949 5,862 913 18.5% PROPERTY 1,522 1,514 (8) -0.5%
144 134 (9) -6.6% MOTOR VEHICLE 132 70 (62) -46.9%
666 565 (101) -15.1% MARINE CARGO 216 192 (24) -11.0%
420 425 4 1.0% MARINE HULL 246 209 (37) -14.9%
44 51 7 16.4% AVIATION 59 24 (35) -59.4%
34 0 (34) -98.9% SATELITE - - - -
94 59 (35) -37.0% ENERGY OFF SHORE 4 13 9 225.7%
158 176 17 11.0% ENERGY ON SHORE 15 - (15) -100.0%
422 457 36 8.5% ENGINEERING 322 262 (60) -18.6%
373 313 (60) -16.1% LIABILITY 3 13 9 285.6%
144 110 (34) -23.4% PA & HEALTH 156 58 (97) -62.5%
2,254 674 (1,580) -70.1% CREDIT INSURANCE* 1,415 501 (915) -64.6%
38 39 2 4.0% SURETY SHIP 10 3 (6) -65.7%
513 416 (97) -19.0% MISCELLANEOUS 278 274 (5) -1.7%
10,253 9,283 (970) -9.5% TOTAL 4,377 3,132 (1,245) -28.4%

Keterangan :
a. *) Periode kredit jangka panjang
b. Sumber data AAUI (6 Perusahaan Reasuransi)
 RASIO KLAIM DIBAYAR ASURANSI & REASURANSI
(KLAIM DIBAYAR / PREMI DICATAT)

120,0% RASIO KLAIM 160%

DIBAYAR
RASIO KLAIM DIBAYAR LINI BISNIS
LINI BISNIS JUNI 2020 JUNI 2021 140%
JUNI 2020 JUNI 2021 100,0%
PROPERTY 30.7% 25.8%
120%
PROPERTY 38.7% 25.6% MOTOR VEHICLE 91.8% 52.2%
MOTOR VEHICLE 50.8% 38.9% 80,0%
100%
MARINE CARGO 32.4% 34.0%
MARINE CARGO 25.6% 26.9%
MARINE HULL 58.4% 49.2% 80%
MARINE HULL 66.8% 35.4% 60,0%
AVIATION 134.7% 47.0%
AVIATION 19.0% 99.8%
SATELITE 0.0% 0.0% 60%
SATELITE 0.0% 0.0%
40,0% ENERGY OFF
ENERGY OFF 4.3% 22.1%
42.0% 103.2% SHORE 40%
SHORE
ENERGY ON
ENERGY ON 9.7% 0.0%
22.8% 35.4% SHORE
SHORE 20,0% 20%
ENGINEERING 76.3% 57.3%
ENGINEERING 54.4% 42.3%
LIABILITY 0.9% 4.0% 00%
LIABILITY 9.8% 5.3%
0,0%
PA & HEALTH 108.0% 52.9%
PA & HEALTH 55.5% 49.8%

CREDIT CREDIT
70.8% 42.2% 62.8% 74.2%
INSURANCE* INSURANCE

SURETY SHIP 17.2% 25.8% SURETY SHIP 26.1% 8.6%

MISCELLANEOUS 21.2% 14.8% MISCELLANEOUS 54.3% 65.8%

RASIO KLAIM DIBAYAR JUNI 2020
RASIO KLAIM DIBAYAR JUNI 2020
TOTAL 42.7% 33.7% RASIO KLAIM DIBAYAR JUNI 2021
TOTAL 45.3% 34.2% RASIO KLAIM DIBAYAR JUNI 2021

Sumber : AAUI
 PREMI ASURANSI UMUM PER SUMBER BISNIS – JUNI 2021
*)Milyar
Rupiah
JALUR DISTRIBUSI

Direct Pemasaran
Agen Broker Bancass Leasing Affinity Telemarketing Lainnya Jumlah
Marketing Digital

13.318 4.841 11.290 1.574 5.045 161 202 222 1.053 37.708
Q2-2021
35,3% 12,8% 29,9% 4,2% 13,4% 0,4% 0,5% 0,6% 2,8%

20.495 7.516 15.756 6.003 5.467 968 97 50 9.522 65.873

FY 2020
31,1% 11,4% 23,9% 9,1% 8,3% 1,5% 0,1% 0,1% 14,5%

* Pemasaran digital terdiri dari direct system & Intermediaries/agregator/market place

per Q2-2021 yang melaporkan pemasaran digital ada 14 perusahaan dan 3 perusahaan belum melaporkan jalur distribusi

Sumber : AAUI
TERIMA KASIH
ASOSIASI ASURANSI UMUM INDONESIA