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LAPORAN
STATISTIK
ASURANSI
Gempa Bumi
Indonesia Per 30 Juni 2013
Indonesian Earthquake Insurance Statistic As at 30 June 2013
PT Asuransi MAIPARK Indonesia
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Dengan Hormat, Sesuai dengan tujuan pendirian MAIPARK, MAIPARK selalu berupaya untuk memberikan pelayanan yang terbaik bagi Industri Asuransi Umum di Indonesia khususnya mengenai statistik dan pengetahuan risiko gempa bumi. Dukungan dari seluruh perusahaan asuransi umum sangat berarti bagi kami dalam upaya pengembangan Laporan Statistik ini. Kami berharap Laporan Statistik ini dapat memberikan manfaat tidak hanya bagi perusahaan yang menangani asuransi gempa bumi, namun juga bagi industri asuransi umum di Indonesia. Hormat kami,
Dear Sir / Madam,
In line with the purpose of MAIPARK establishment, MAIPARK always strive to provide the best service for General Insurance Industry in Indonesia particularly regarding statistic and knowledge of Earthquake risks. Support from the General Insurance Industry will be meaningful to us in order to improve this Statistic Report. We hope this Statistic Report will be beneficial not only to the insurance companies which write earthquake insurance but also to the whole general insurance industry in Indonesia. Sincerely,
Kata Pengantar Foreword
Frans Y. Sahusilawane President Director
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Hal.
Kata Pengantar ....................................................... i
Daftar Isi ……………………………. ……………….ii
Informasi Statistik ................................................. v
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2013 ................................................
A. Umum ................................................................. 1
B. Struktur Pasar .................................................... 1
C. Premi Bruto ........................................................ 1
D. Jumlah Risiko ..................................................... 3
E. Incurred Claim .................................................... 4
Exposure Asuransi Gempa Bumi Indonesia ........
Tabel 2.1. Exposure Per Cresta Zone .................... 8
Tabel 2.2. Exposure Per Okupasi .......................... 10
Tabel 2.3. Exposure Per Interest ........................... 12
Tabel 2.4. Exposure Per Provinsi .......................... 14
Premi Bruto Asuransi Gempa Bumi Indonesia ............................................................................. ….
Tabel 3.1. Gross Premium Per Cresta Zone ......... 15
Tabel 3.2. Gross Premium Per Okupasi ................ 17
Tabel 3.3. Gross Premium Per Provinsi ................. 19
Jumlah Risiko Asuransi Gempa Bumi Indonesia ...............................................................
Tabel 4.1. Jumlah Risiko Per Cresta Zone ............ 20
Tabel 4.2. Jumlah Risiko Per Okupasi ................... 22
Klaim Asuransi Gempa Bumi Indonesia ..............
Tabel 5.1. Klaim Frekwensi Per Okupasi ............... 24
Tabel 5.2. Klaim Frekwensi Per Cresta Zone ......... 26
Tabel 5.3. Klaim Per Okupasi ................................ 28
Tabel 5.4. Klaim Per Cresta Zone .......................... 30
Page
Foreword ............................................................... i
Contents ……………………………. ……………….ii
Statistic Information ............................................ v
Statistic Overview of Indonesian Earthquake Insurance June 2013 ..............................................
A. General .............................................................. 1
B. Market Structure ............................................... 1
C. Gross Premium ................................................. 1
D. Number of Risk .................................................. 3
E. Incurred Claim ................................................... 4
Indonesian Earthquake Insurance Exposure ......
Table 2.1. Exposure By Cresta Zone ...................... 8
Table 2.2. Exposure By Occupation ..................... 10
Table 2.3. Exposure By Interest ........................... 12
Table 2.4. Exposure By Province .......................... 14
Indonesian Earthquake Insurance Gross Premium .................................................................
Table 3.1. Gross Premium By Cresta Zone ........... 15
Table 3.2. Gross Premium By Occupation ........... 17
Table 3.3. Gross Premium By Province ................ 19
Indonesian Earthquake Insurance Number of Risks .......................................................................
Table 4.1. Number of Risk By Cresta Zone ........... 20
Table 4.2. Number of Risk By Occupation ........... 22
Indonesian Earthquake Insurance Claim ............
Table 5.1. Claim Frequency By Occupation ......... 24
Table 5.2. Claim Frequency By Cresta Zone .......... 26
Table 5.3. Claim By Occupation . .......................... 28
Table 5.4. Claim By Cresta Zone ........................... 30
Daftar Isi Content
s
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Profil Risiko dan Klaim ..........................................
Underwriting Year 2009 -2013,
Seluruh Okupasi .................................................. 32
Underwriting Year 2013, Seluruh Okupasi ........... 33
Underwriting Year 2012, Seluruh Okupasi ........... 34
Underwriting Year 2011, Seluruh Okupasi ........... 35
Underwriting Year 2010, Seluruh Okupasi ........... 36
Underwriting Year 2009, Seluruh Okupasi ........... 37
Profil Risiko dan Klaim Underwriting Year 2013 Per Okupasi ...................................................
Okupasi Agrikultural ............................................. 38
Okupasi Komersial ............................................... 39
Okupasi Industrial ................................................ 40
Okupasi Residensial ............................................. 41
Profil Risiko dan Klaim Underwriting Year 2012 Per Okupasi ...................................................
Okupasi Agrikultural ............................................. 42
Okupasi Komersial ............................................... 43
Okupasi Industrial ................................................ 44
Okupasi Residensial ............................................. 45
Profil Risiko dan Klaim Underwriting Year 2011 Per Okupasi ...................................................
Okupasi Agrikultural ............................................. 46
Okupasi Komersial ............................................... 47
Okupasi Industrial ................................................ 48
Okupasi Residensial ............................................. 49
Profil Risiko dan Klaim Underwriting Year 2010 Per Okupasi ...................................................
Okupasi Agrikultural ............................................. 50
Okupasi Komersial ............................................... 51
Okupasi Industrial ................................................ 52
Okupasi Residensial ............................................. 53
Risk and Loss Profile ............................................
Underwriting Year 2009 -2013, All Occupation ..................................................... 32
Underwriting Year 2013, All Occupation ............ 33
Underwriting Year 2012, All Occupation ............ 34
Underwriting Year 2011, All Occupation ............. 35
Underwriting Year 2010, All Occupation ............. 36
Underwriting Year 2009, All Occupation ............. 37
Risk and Loss Profile Underwriting Year 2013 By Occupation …. ..........................................
Agricultural Occupation ....................................... 38
Commercial Occupation ...................................... 39
Industrial Occupation .......................................... 40
Residential Occupation ........................................ 41
Risk and Loss Profile Underwriting Year 2012 By Occupation …. ..........................................
Agricultural Occupation ....................................... 42
Commercial Occupation ...................................... 43
Industrial Occupation .......................................... 44
Residential Occupation ........................................ 45
Risk and Loss Profile Underwriting Year 2011 By Occupation …. ..........................................
Agricultural Occupation ....................................... 46
Commercial Occupation ....................................... 47
Industrial Occupation ........................................... 48
Residential Occupation ........................................ 49
Risk and Loss Profile Underwriting Year 2010 By Occupation …. ..........................................
Agricultural Occupation ....................................... 50
Commercial Occupation ....................................... 51
Industrial Occupation ........................................... 52
Residential Occupation ........................................ 53
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Profil Risiko dan Klaim Underwriting Year 2009 Per Okupasi ...................................................
Okupasi Agrikultural ............................................. 54
Okupasi Komersial ................................................ 55
Okupasi Industrial ................................................. 56
Okupasi Residential .............................................. 57
Peta
Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2013, per 30 Juni 2013 …….. ..................................................................... 58
Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2013 …… ................................................. 59
Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2013, per 30 Juni 2013, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY 2013……………………. ........................... 60
Damage Ratio ………………...................................... 61
Lampiran
1. Daftar Istilah .......................................... 63
2. Tarif Asuransi Gempa Bumi Indonesia …. ................................................................ 65
3. Skala First Loss ....................................... 66
4. Tabel jangka Waktu Pertanggungan Kurang Dari Satu Tahun ......................... 67
5. Skala Indemnity Period .......................... 68
6. Tabel Cresta Zone dan Zona ………………..69
Referensi
1. Badan Pengawas Pasar Modal dan Lembaga
Keuangan (Bapepam-LK).
2. Badan Pusat Statistik (BPS).
*) Laporan Statistik ini dapat diperoleh di website
PT. Asuransi MAIPARK Indonesia
www.maipark.com
Risk and Loss Profile Underwriting Year 2009 By Occupation ..............................................
Agricultural Occupation ....................................... 54
Commercial Occupation ....................................... 55
Industrial Occupation ........................................... 56
Residential Occupation ........................................ 57
Map
Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2013, as at 30 June 2013 .................................................................... 58
Indonesian Earthquake Distribution M > 5 and Claim Incurred 2013 …………………………..….. .......... 59
Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2013, as at 30 June 2013 , Indonesian Earthquake Distribution M > 5 and Claim Incurred 2013 ...................................... 60
Damage Ratio ..................................................... 61
Attachments
1. Glossaries .............................................. 63
2. Indonesian Earthquake Insurance Tariff ...................................................... 65
3. First Loss Scale ...................................... 66
4. Short Period Table Less Than One Year Period .................................................... 67
5. Indemnity Period Scale .......................... 68
6. Cresta Zone and Zone Table…………………69
Refference
1. Capital Market and Financial Institution
Supervisory Agency (Bapepam-LK).
2. Central of Statistics Bureau (BPS).
*) Statistic Report is available on PT. Asuransi
MAIPARK Indonesia ‘s Website
www.maipark.com
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1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 30 Juni 2013.
2. Sesi Limit 2.1. Limit Sesi atas setiap risiko (any
one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut : 2.1.1 Untuk daerah Jawa Barat, Banten dan DKI : 5%
(lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis.
2.1.2 Untuk daerah Indonesia lainnya 25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko setiap perusahaan asuransi atau penerbit polis.
2.2. Yang dimaksud dengan setiap risiko (anyone risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masing-masing perusahaan asuransi. Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan asuransi dalam underwriting polis kebakaran.
1. Statistic Report is based on
Underwriting Year basis, which is recorded as at 30 June 2013.
2. Cession Limit
2.1. Cession Limit of any one risk for the combined material damage and business interruption are as follows : 2.1.1 For West Java, Banten and
DKI: 5% (five percent) of the total sum insured, being a maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer.
2.1.2. For other Indonesia areas are
25% (twenty five percent) of total sum insured, maximum of USD 2,500,000.00 (two million five hundred thousand U.S Dollars) for each risk, each insurance company or policy issuer.
2.2. Anyone risk is the accumulation (aggregate) of total sum insured of all risks at the same location for each insurance company. The definition of anyone risk or any location is specified by the insurer or policy issuer in accordance with the fire underwriting policy.
Informasi Statistik Statistic Information
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2.3 Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang disesikan sebagaimana diatur dalam butir 2.1 diatas, dikalikan prosentase First Loss Scale.
2.4 Untuk risiko yang ditutup secara ko-asuransi, jumlah maksimum sesi dari semua anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur dalam 2.1 diatas. Sesi masing-masing perusahaan adalah proporsional sebanding sahamnya dalam ko-asuransi.
Dalam hal terdapat penutupan lain selain polis ko-asuransi tersebut pada obyek pertanggungan yang sama, perusahaan asuransi tetap dapat mensesikan risiko dimaksud, dengan catatan jumlah seluruh sesi perusahaan asuransi bersangkutan tidak melebihi ketentuan yang diatur pada butir 2.1.
3. Tarif Premi Asuransi Gempa Bumi Indonesia 3.1. Penutupan Full Value Basis
mengaplikasikan Tarif Premi Standar Gempa Bumi Indonesia (lampiran 2).
3.2. Penutupan First Loss / Sub Limit Basis mengaplikasikan standar First Loss Scale (lampiran 3).
3.3. Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan diberlakukan skala premi jangka pendek (lampiran 4)
3.4. Untuk perhitungan premi Business Interruption diberlakukan Indemnity Period Scale (lampiran 5).
2.3 In First Loss Basis / Sub Limit policies, the amount ceded is stipulated in point 2.1 above, then multiplied by the percentage of First Loss Scale.
2.4 For risks which are covered by co-
insurance, the maximum cession from all members of coinsurance is stipulated in point 2.1 above. Each ceding company cedes proportionally depending on its co-insurance share.
If there are policies other than co-insurance policy on the same insured object, the insurer is still able to cede such risk subject to total insurance company’s cession not exceeding the provision in point 2.1.
3. Indonesian Standard Earthquake Premium Tariff 3.1. For the coverage of Full Value
Basis, apply Indonesian Standard Earthquake Premium Tariff (attachment 2).
3.2. For the First Loss / Sub Limit Basis coverage apply standard First Loss Scale (attachment 3).
3.3. Premium calculation for short period coverage is based on Short Period Scale (attachment 4).
3.4. Premium calculation for business
interruption is based on Indemnity Period Scale (attachment 5).
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4. Obyek Pertanggungan 4.1 Obyek pertanggungan yang dapat
disesikan adalah obyek pertanggungan asuransi kebakaran berupa :
4.1.1. Kerusakan Fisik :
Bangunan Pondasi Penggalian dan Sejenisnya Persediaan Barang Lain-lain
4.1.2 Gangguan Usaha : Keuntungan Bruto Upah Kenaikan Biaya
Operasional Lain-lain
4.2 Penutupan sebagaimana dimaksud pada butir 4.1. adalah yang ditutup secara langsung (direct business) termasuk ko-asuransi. Penutupan tidak langsung (indirect business / reasuransi) tidak dapat disesikan.
5. Pelaporan Bordero Pelaporan bordero dilakukan setiap
bulannya untuk semua risiko yang ditutup pada bulan yang bersangkutan dan sudah harus diterima selambat-lambatnya pada akhir bulan berikutnya.
4. Insured Object 4.1. Insured object which can be ceded
is fire insurance object such as :
4.1.1. Material damage : Building Foundation Excavation and
the like Stock Others
4.1.2. Business Interruption Gross Profit Wages Increase in cost of
working Others
4.2. Insured object referred in point 4.1 is direct business, including coinsurance. Indirect business / reinsurance cannot be ceded.
5. Bordereaux Submission
Bordereaux submission is on a monthly basis for all risks underwritten in the month concerned and should be received by the end of the following month at the latest.
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A. Umum
Berdasarkan data Badan Pusat Statistik,
Perekonomian Indonesia pada tahun 2012
sebagaimana diukur dari Pendapatan Domestik
Bruto (PDB), tumbuh sebesar 6,23%
dibandingkan tahun 2011. Nilai Produk
Domestik Bruto (PDB) Indonesia atas dasar
harga konstan 2000 pada tahun 2012
mencapai Rp. 2.6181,1 triliun sedangkan pada
tahun 2011 sebesar Rp. 2.464,7 triliun. Bila
dilihat berdasarkan harga berlaku, PDB tahun
2012 adalah sebesar Rp. 8.241,9 triliun
sedangkan tahun 2011 adalah Rp. 7.422,8
triliun.
B. Struktur Pasar
Berdasarkan data Badan Pengawas Pasar
Modal dan Lembaga Keuangan (Bapepam-LK)
pada buku Direktori Perasuransian Indonesia
2012, terdapat 83 perusahaan asuransi umum
yang memiliki izin beroperasi di Indonesia.
C. Premi Bruto
Sampai dengan 30 Juni 2013, premi bruto
asuransi gempa bumi Underwriting Year 2009
adalah sebesar Rp.1.771,2 miliar. Premi bruto
untuk Underwriting Year 2010 tercatat Rp.
2.083,8 miliar sedangkan untuk Underwriting
A. General
Based on Central of Statistics Bureau
data, Indonesian economic in 2012 as
measured by Gross Domestic Product (GDP),
increased by 6.23% compared with 2011.
Gross Domestic Product (GDP) based on
Constant Price 2000 in 2012 reached the
amount of Rp. 2,6181.1 trillion while in 2011
was Rp. 2,464.7 trillion. If it is based on Current
Market Price,GDP in 2012 was Rp. 8,241.9
trillion while in 2011 was Rp. 7,422.8 trillion.
B. Market Structure
Based on Capital Market and Financial
Institution Supervisory Agency (Bapepam-LK)
data in the book of Indonesian Insurance
Directory 2012, there are 83 general insurers
having operating licenses in Indonesia.
C. Gross Premium
As at 30 June 2013, earthquake gross
premium for Underwriting Year 2009 was Rp.
1,771.2 billion. Gross premium for Underwriting
Year 2010 was recorded Rp. 2,083.8 billion,
while for Underwriting Year 2011 was Rp.
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2013 Statistic Overview of Indonesia Earthquake Insurance June 2013
2
Year 2011 adalah Rp. 2.789,7 miliar. Untuk
Underwriting Year 2012 dan 2013 adalah Rp.
2.546,3 miliar dan Rp. 466,4 miliar. Angka –
angka ini akan terus bergerak naik terutama
untuk Underwriting Year 2012 dan 2013.
Tabel 1.1 di bawah ini menyajikan rincian
premi bruto berdasarkan jenis okupasi dari
Underwriting Year 2009 hingga Underwriting
Year 2013. Prosentase okupasi Industrial
selalu berada pada posisi pendapatan tertinggi
dibanding 3 (tiga) okupasi lainnya (Agrikultural,
Komersial, Residensial), yaitu di atas 55% dari
total premi.
Meskipun okupasi Komersial, Residensial
dan Agrikultural tidak memberikan kontribusi
premi sebesar okupasi Industrial, namun ketiga
okupasi tersebut memperlihatkan pertumbuhan
premi yang cukup signifikan. Hal ini terlihat
terutama pada premi okupasi Agrikultural pada
Underwriting Year 2010 yang meningkat
sebesar 70,6% dari Rp. 12.194,01 juta di
Underwriting Year 2009 menjadi Rp. 20.801,51
juta.
2,789.7 billion. For Underwriting Year 2012 and
2013 were Rp. 2,546.3 billion and Rp. 466.4
billion. These figures would certainly
increase especially for Underwriting Year
2012 and 2013.
The table 1.1 below presents the details of
gross premium based on occupation from
Underwriting Year 2009 to Underwriting Year
2013. Industrial occupation always has the
biggest percentage income compared to 3
(three) remaining occupations (Agricultural,
Commercial, Residential), that is above 55%
from premium total.
Although occupation of Commercial,
Residential and Agricultural do not contribute
premium as much as Industrial occupation,
those three occupation show significant
premium growth. In this case, the premium
under Agricultural occupation in Underwriting
Year 2010 increased by 70.6% from Rp.
12,194.01 million in Underwriting Year 2009 to
Rp. 20,801.51 million.
Dalam Jutaan Rupiah
In Million Rupiah
2009 12,194.01 0.69% 405,039.22 22.87% 1,123,907.19 63.46% 230,042.03 12.99% 1,771,182.45
2010 20,801.51 1.00% 422,806.13 20.29% 1,282,982.61 61.57% 357,293.01 17.15% 2,083,883.25
2011 23,250.84 0.83% 735,109.14 26.35% 1,697,084.75 60.83% 334,242.89 11.98% 2,789,687.62
2012 28,118.49 1.10% 592,338.74 23.26% 1,592,811.88 62.55% 333,057.86 13.08% 2,546,326.96
2013 1,206.45 0.26% 133,150.17 28.55% 258,618.09 55.44% 73,466.92 15.75% 466,441.63
T O T A L 85,571.30 3.88% 2,288,443.40 5,955,404.51 1,328,102.71 0.71 9,657,521.92
Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2013
Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2013
Agrikultural / Agricultural
Okupasi
TotalUnderwriting
Year Komersial / Commercial Industri / Industrial Residensial / Residential
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D. Jumlah Risiko
Tabel 1.2 di bawah ini menyajikan jumlah
risiko pada Underwriting Year 2009 hingga
Underwriting Year 2013 yang tercatat sampai
dengan 30 Juni 2013.
D. Number of Risks
Table 1.2 below shows the number of
risks from Underwriting Year 2009 to
Underwriting Year 2013 recorded until 30 June
2013.
Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2013Graph 1.1 Number of Risks by Occupation as at 30 June 2013
Agricultural, 379
Commercial, 89,622
Industrial, 14,971
Residential, 58,826
Agricultural, 414
Commercial, 81,011
Industrial, 15,679
Residential, 58,687
Agricultural, 44
Commercial, 17,385
Industrial, 3,332
Residential, 13,196
Agricultural, 252
Commercial, 74,400
Industrial, 12,939
Residential, 42,727
Agricultural, 441
Commercial, 83,031
Industrial, 13,851
Residential, 67,156
UY 2009
UY 2012 UY 2013
UY 2010
UY 2011
Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2013
Table 1.2 Number of Risk By Occupation as at 30 June 2013
Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total %
Agricultural / Agricultural A 252 0.19 441 0.27 379 0.23 414 0.27 44 0.13
Komersial / Commercial C 74,400 57.09 83,031 50.48 89,622 54.71 81,011 52.00 17,385 51.20
Industrial / Industrial I 12,939 9.93 13,851 8.42 14,971 9.14 15,679 10.06 3,332 9.81
Residensial / Residential R 42,727 32.79 67,156 40.83 58,826 35.91 58,687 37.67 13,196 38.86
130,318 100.00 164,479 100.00 163,798 100.00 155,791 100.00 33,957 100.00
U/Y 2012 U/Y 2013
Occupation
Jumlah / Total
Okupasi U/Y 2009 U/Y 2010 U/Y 2011
4
Jumlah risiko terbesar untuk setiap
Underwriting Year, dalam hal ini dari
Underwriting Year 2009 sampai dengan
Underwriting Year 2013 ada pada okupasi
Komersial, yaitu selalu berada pada rasio di
atas 50% dari total risiko. Kemudian diikuti oleh
okupasi Residensial dengan rasio di atas 32%.
Jika terdapat asosiasi antara kontribusi
premi dengan banyaknya risiko maka belum
tentu asosiasi tersebut berbentuk linear dan
positif. Hal ini dibuktikan dengan apabila
melihat dari premi bruto tertinggi berada di
okupasi industrial sedangkan banyak risiko
tertinggi berada pada okupasi komersial.
E. Incurred Claim
Berdasarkan tabel 1.3 di bawah ini
frekuensi klaim gempa bumi paling banyak
terjadi di Underwriting Year 2009 yaitu
sebanyak 1.867 klaim dan didominasi okupasi
Komersial sebanyak 982 klaim. Hal ini
disebabkan oleh kejadian 2 (dua) gempa bumi
yang terbesar di 2009 yaitu Gempa Bumi
Pariaman pada tanggal 30 September 2009
dengan kekuatan 7,6 S.R dan Gempa Bumi
Tasikmalaya pada tanggal 2 September 2009
dengan kekuatan 7,0 S.R.
The highest number of risks for each
Underwriting Year, in this case from
Underwriting Year 2009 to Underwriting Year
2013, is under Commercial occupation, which
is always on the ratio above 50% from the total
risk. Then, it is followed by Residential
occupation with ratio above 32%.
If there is any association between the
premium contribution and the number of risks
then the association is not necessarily linear
nor positive. This is proved which the highest
gross premium is on the industrial occupation
while the highest total risk is under commercial
occupation.
E. Incurred Claim
Based on table 1.3 below, the highest
earthquake claim frequency occurred in
underwriting year 2009 was 1,867 claims and it
dominated by Commercial occupation of 982
claims. It was caused by 2 (two) biggest
Earthquakes in 2009 namely Pariaman
Earthquake on 30 September 2009 with a
magnitude of 7.6 S.R and Tasikmalaya
Earthquake on 2 September 2009 with a
magnitude of 7.0 S.R.
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Dengan melihat tabel 1.4 tampak bahwa
jumlah klaim terbesar juga berada pada
Underwriting Year 2009. Klaim yang terbesar
adalah pada okupasi Komersial, yaitu 91,26%
dari total klaim di Underwriting Year 2009 atau
sebesar Rp. 894,7 miliar.
Looking at table 1.4 below, it shows that
the largest claim is also in the Underwriting
Year 2009. The largest claim is under
Commercial occupation that is 91.26% of the
total claim in Underwriting Year 2009 or
Rp. 894.7 billion.111111111111111111111111
Tabel 1.5 di bawah ini menyajikan kejadian
Gempa Bumi Tahun 2013 yang tercatat sampai
dengan 30 Juni 2013.
Table 1.5 below shows earthquake events
occurred in 2013 and the corresponding
incurred claims as at 30 June 2013.
Table 1.4 Claim Amount By Occupation as at 30 June 2013
Dalam Rupiah
In Rupiah
2009 2010 2011
Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount %
Agrikultural / Agricultural A 14,121,897,296.24 1.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Komersial / Commercial C 894,652,247,963.53 91.26 41,536,859,874.73 97.27 14,845,431,263.49 94.35 1,165,434,751.54 88.60 0.00 0.00
Industrial / Industrial I 4,401,122,616.25 0.45 760,224,542.70 1.78 0.00 0.00 0.00 0.00 0.00 0.00
Residensial / Residential R 67,191,812,895.10 6.85 406,785,430.40 0.95 889,538,909.86 5.65 150,000,000.00 11.40 0.00 0.00
980,367,080,771.12 100.00 42,703,869,847.83 100.00 15,734,970,173.35 100.00 1,315,434,751.54 100.00 0.00 0.00
2013
Jumlah / Total
Underwriting Year
Tabel 1.4 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2013
2012Okupasi
Occupation
2009 2010 2011 2012 2013
Agrikultural / Agricultural A 27 0 0 0 0
Komersial / Commercial C 982 46 74 9 0
Industrial / Industrial I 23 1 0 0 0
Residensial / Residential R 835 11 34 2 0
1,867 58 108 11 0
Table 1.3 Claim Frequency By Occupation as at 30 June 2013
Occupation
Jumlah / Total
Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2013
Underwriting YearOkupasi
Tabel 1.5 Kejadian Gempa Bumi Tahun 2013 dan Klaim per 30 Juni 2013
Table 1.5 Earthquake Event in 2013 and Claim as at 30 June 2013
Dalam Rupiah
In Rupiah
Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim
Event Date of Loss Magnitude (S.R) Claim
Aceh 23 Januari 2013 6 616,416,000
6
Tabel 1.6 menyajikan klaim Gempa Bumi
Aceh yang terjadi pada tanggal 23 Januari
2013 (23.01.2013) sebesar Rp. 616,4 juta
perjenis okupasi.
Tabel di bawah ini adalah daftar klaim
terbesar sampai dengan tanggal 30 Juni 2013.
Table 1.6 presents Aceh Earthquake claim
which occurred on 23 January 2013
(23.01.2013) i.e. Rp. 616.4 million by
occupation.
The table below is a list of the largest claims as
at 30 June 2013.
Agrikultural /
Agricultural
Komersial /
Commercial
Industri /
Industrial
Residensial /
Residential
Agrikultural /
Agricultural
Komersial /
Commercial
Industri /
Industrial
Residensial /
Residential
Aceh 23-Jan-13 0 2 0 0 0 616,416,000 0 0
Tabel 1.6 Kejadian Gempa Bumi tahun 2013 dan Klaim per Okupasi per 30 Juni 2013
Table 1.6 Earthquake Event in 2013 and per Occupationas at 30 June 2013
Frekwensi
Frequency
Jumlah (Dalam Rupiah)
Amount (in Rupiah)
Occupation
Earthquake Event Date of Loss
Kejadian Gempa Bumi Tanggal Kejadian
Okupasi
Dalam Rupiah
In Rupiah
No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim
Event Date of Loss Magnitude (S.R) Claim
1 ACEH 26-12-2004 9 671,204,887,097.66
2 YOGYAKARTA 27-05-2006 5.9 239,850,094,678.67
3 PADANG 06-03-2007 5.8 37,201,809,933.83
4 BENGKULU 12-09-2007 7.9 53,319,393,459.63
5 PADANG 16-08-2009 6.9 42,969,561,630.00
6 TASIKMALAYA 02-09-2009 7.3 25,113,517,313.58
7 PARIAMAN 30-09-2009 7.6 1,148,062,579,287.94
8 BIMA 09-11-2009 6.7 36,707,265,185.48
9 MERAPI 25-10-2010 - *) 30,896,749,167.60
10 NUSA DUA 13-10-2011 6.8 7,860,596,823.71
*) Penyebab terkait letusan gunung berapi
Caused by volcanic eruption
Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2013
List of The Largest Claims as at 30 June 2013
7
Tabel 1.7 menyajikan data jumlah polis dan
loss ratio per 30 Juni 2013. Tabel tersebut
menunjukkan bahwa loss ratio tertinggi berada
pada Underwriting Year 2009 sebesar 55,35 %.
Hal ini dipengaruhi oleh nilai klaim yang cukup
tinggi yang mayoritas disebabkan dari gempa
Pariaman dan gempa Tasikmalaya.
Tabel 1.8 menyajikan Premi dan Exposure per
30 Juni 2013.
Table 1.7 presents number of policies, and
loss ratio as at 30 June 2013. The table show
that the biggest loss ratio was at Underwriting
Year 2009 i.e. 55.35%. It was influenced by
large amount of claim that majority resulting
from Pariaman Earthquake and Tasikmalaya
Earthquake.
Tabel 1.8 presents Premium and Exposure as
at 30 June 2013.
Tabel 1.8 Premi dan Exposure per 30 Juni 2013
Table 1.8 Premium and Exposure as at 30 June 2013
Dalam Jutaan Rupiah
In Million Rupiah
Premi Exposure
Premium Exposure
2009 1,771,182.45 1,490,828,121.41
2010 2,083,883.25 1,649,667,085.89
2011 2,789,687.62 2,133,499,663.66
2012 2,546,326.96 1,866,798,720.03
2013 466,441.63 329,012,092.00
Underwriting
Year
Tabel 1.7 Jumlah Polis dan Loss Ratio per 30 Juni 2013
Tabel 1.7 Number of Policies and Loss Ratio as at 30 Juni 2013
Jumlah Polis Premi *) Frekwensi Klaim Jumlah Klaim *)
Number of Policies Premium *) Claim Frequency Incurred Claim *)
2009 117,735 1,771,182,451,843.39 1,867 980,367,080,771.12 55.35%
2010 116,181 2,083,883,252,234.45 58 42,703,869,847.83 2.05%
2011 115,281 2,789,687,616,674.38 108 15,734,970,173.35 0.56%
2012 106,209 2,546,326,964,370.93 11 1,315,434,751.54 0.05%
2013 24,962 466,441,632,497.63 0 0.00 0.00%
Keterangan :
*) Dalam Rupiah
In Rupiah
Underwriting
YearLoss Ratio
8
Table 2.1 in IDR
Amount % Amount % Amount % Amount % Amount %
BANDA ACEH 1.1 1,151,317,735,756.51 0.08 3,372,179,572,693.62 0.20 7,518,821,638,120.35 0.35 3,740,435,818,687.02 0.20 225,887,219,764.27 0.07
MEDAN 1.2 41,670,316,078,028.40 2.80 45,555,076,933,052.10 2.76 46,138,426,836,562.50 2.16 37,449,650,041,884.70 2.01 8,414,194,721,937.39 2.56
OTHERS 1.3 21,138,402,190,607.20 1.42 66,038,547,625,057.50 4.00 98,922,229,977,095.20 4.64 45,571,043,562,324.10 2.44 4,790,030,732,526.62 1.46
NORTH SUMATERA 1 63,960,036,004,392.00 4.29 114,965,804,130,803.00 6.97 152,579,478,451,778.00 7.15 86,761,129,422,895.80 4.65 13,430,112,674,228.30 4.08
PADANG 2.1 47,079,201,586,731.00 3.16 18,584,265,175,961.60 1.13 15,856,508,207,062.80 0.74 18,418,496,960,291.60 0.99 2,982,654,030,545.90 0.91
PALEMBANG 2.2 19,088,700,278,197.20 1.28 17,873,056,350,480.70 1.08 13,850,559,458,040.50 0.65 19,570,546,224,734.20 1.05 2,191,077,411,225.62 0.67
OTHERS 2.3 92,987,661,402,965.50 6.24 99,756,671,823,239.90 6.05 125,420,385,179,202.00 5.88 127,280,894,281,934.00 6.82 20,449,780,370,394.20 6.22
SOUTH SUMATERA 2 159,155,563,267,894.00 10.68 136,213,993,349,682.00 8.26 155,127,452,844,305.00 7.27 165,269,937,466,960.00 8.85 25,623,511,812,165.70 7.79
JAKARTA 3.1 291,846,144,884,982.00 19.58 293,541,065,983,175.00 17.79 449,109,627,597,055.00 21.05 385,298,806,843,644.00 20.64 84,753,462,422,109.30 25.76
BANDUNG 3.2 7,355,020,993,872.18 0.49 5,935,570,412,798.67 0.36 6,835,086,806,751.73 0.32 10,268,861,940,913.10 0.55 1,377,634,306,376.78 0.42
OTHERS 3.3 437,284,729,877,130.00 29.33 590,154,430,672,201.00 35.77 601,175,288,433,698.00 28.18 616,675,409,567,658.00 33.03 105,544,596,035,820.00 32.08
WEST JAVA 3 736,485,895,755,984.00 49.40 889,631,067,068,176.00 53.93 1,057,120,002,837,500.00 49.55 1,012,243,078,352,210.00 54.22 191,675,692,764,306.00 58.26
SEMARANG 4.1 1,326,730,828,856.88 0.09 10,375,664,500,409.60 0.63 6,514,625,520,390.43 0.31 5,692,292,433,155.38 0.30 615,201,599,623.58 0.19
YOGYAKARTA 4.2 8,403,718,692,366.82 0.56 9,113,864,140,739.63 0.55 10,212,793,123,472.10 0.48 8,866,374,614,440.17 0.47 1,141,394,344,344.35 0.35
OTHERS 4.3 76,441,412,447,319.50 5.13 59,334,562,056,606.50 3.60 116,429,538,756,366.00 5.46 99,324,394,249,735.30 5.32 35,492,269,350,253.30 10.79
CENTRAL JAVA 4 86,171,861,968,543.20 5.78 78,824,090,697,755.60 4.78 133,156,957,400,229.00 6.24 113,883,061,297,331.00 6.10 37,248,865,294,221.30 11.32
SURABAYA 5.1 52,196,852,144,828.80 3.50 94,595,230,497,058.00 5.73 85,264,971,297,396.40 4.00 48,991,535,160,041.40 2.62 8,147,059,874,110.52 2.48
OTHERS 5.2 215,737,331,338,301.00 14.47 147,737,634,356,237.00 8.96 302,516,560,808,723.00 14.18 221,318,385,371,217.00 11.86 20,049,472,544,420.00 6.09
EAST JAVA 5 267,934,183,483,130.00 17.97 242,332,864,853,295.00 14.69 387,781,532,106,120.00 18.18 270,309,920,531,259.00 14.48 28,196,532,418,530.50 8.57
KALIMANTAN 6 79,775,707,197,619.70 5.35 78,291,246,957,412.10 4.75 122,651,657,372,680.00 5.75 95,554,681,732,843.80 5.12 9,786,725,669,739.37 2.97
UJUNG PANDANG 7.1 12,936,344,695,590.60 0.87 9,495,668,697,498.03 0.58 10,640,518,030,505.20 0.50 9,799,832,825,352.94 0.52 2,873,384,048,314.97 0.87
OTHERS 7.2 35,550,160,599,984.60 2.38 50,895,191,748,124.30 3.09 59,611,518,695,453.50 2.79 53,539,594,890,526.40 2.87 5,063,021,984,806.05 1.54
SULAWESI 7 48,486,505,295,575.20 3.25 60,390,860,445,622.30 3.66 70,252,036,725,958.70 3.29 63,339,427,715,879.40 3.39 7,936,406,033,121.02 2.41
OTHER ISLANDS 8 48,858,368,437,212.00 3.28 49,017,158,388,534.10 2.97 54,830,545,919,469.70 2.57 59,437,483,514,354.00 3.18 15,114,245,331,385.80 4.59
1,490,828,121,410,350.00 100.00 1,649,667,085,891,280.00 100.00 2,133,499,663,658,040.00 100.00 1,866,798,720,033,740.00 100.00 329,012,091,997,698.00 100.00
U/Y 2013
As At 30/06/2013
National Aggregate Exposure By Cresta Zone
T O T A L
U/Y 2012Cresta Zone
U/Y 2011U/Y 2009 U/Y 2010
9
152,579.48 155,127.45
1,057,120.00
133,156.96
387,781.53
122,651.66
70,252.04
54,830.55
86,761.13
165,269.94
1,012,243.08
113,883.06
270,309.92
95,554.68
63,339.43
59,437.48 13,430.11
25,623.51
191,675.69
37,248.87
28,196.53
9,786.73
7,936.41
15,114.25
North Sumatera
South Sumatera
West Java
Central Java
East Java
Kalimantan
Sulawesi
Other Islands
63,960.04
159,155.56
736,485.90
86,171.86
267,934.18
79,775.71
48,486.51
48,858.37
114,965.80
136,213.99
889,631.07
78,824.09
242,332.86
78,291.25
60,390.86
49,017.16 UY 2009
UY 2010
UY 2011
UY 2012 UY 2013
10
Amount % Amount % Amount % Amount % Amount %
AGRICULTURAL A 10,730,100,942,270.60 0.72 17,579,829,261,131.60 1.07 19,568,126,616,920.40 0.92 22,264,159,428,653.50 1.19 859,266,128,749.00 0.26
COMMERCIAL C 325,666,319,061,042.00 21.84 306,433,797,524,055.00 18.58 528,585,353,680,073.00 24.78 416,627,205,943,611.00 22.32 92,428,133,155,134.40 28.09
INDUSTRIAL I 982,965,036,710,000.00 65.93 1,056,707,026,435,880.00 64.06 1,357,710,583,221,000.00 63.64 1,206,663,699,566,360.00 64.64 185,811,099,540,375.00 56.48
RESIDENTIAL R 171,466,664,697,037.00 11.50 268,946,432,670,209.00 16.30 227,635,600,140,049.00 10.67 221,243,655,095,115.00 11.85 49,913,593,173,439.10 15.17
1,490,828,121,410,350.00 100.00 1,649,667,085,891,280.00 100.00 2,133,499,663,658,040.00 100.00 1,866,798,720,033,740.00 100.00 329,012,091,997,698.00 100.00
U/Y 2010
Table 2.2
Occupation
As At 30/06/2013
National Aggregate Exposure By Occupation
T O T A L
U/Y 2011 U/Y 2012 U/Y 2013
in IDR
U/Y 2009
11
( In Billion IDR )
Agricultural, 19,568.13
Commercial, 528,585.35
Industrial, 1,357,710.58
Residential, 227,635.60
Agricultural, 22,264.16
Commercial, 416,627.21
Industrial, 1,206,663.70
Residential, 221,243.66
Agricultural, 859.27
Commercial, 92,428.13
Industrial, 185,811.10
Residential, 49,913.59
Agricultural, 10,730.10
Commercial, 325,666.32
Industrial, 982,965.04
Residential, 171,466.66
Agricultural, 17,579.83
Commercial, 306,433.80
Industrial, 1,056,707.03
Residential, 268,946.43
UY 2009
UY 2010
UY 2011
UY 2012UY 2013
12
Table 2.3
Amount % Amount % Amount % Amount % Amount %
Building 707,690,887,982,314.00 47.47 759,778,602,589,838.00 46.06 944,256,761,732,130.00 44.26 792,466,983,514,638.00 42.45 106,522,997,682,018.00 32.38
Machinery 295,689,793,261,984.00 19.83 364,257,222,697,777.00 22.08 434,858,734,440,365.00 20.38 378,494,906,946,183.00 20.28 89,335,808,847,940.50 27.15
Others 192,298,425,990,843.00 12.90 183,242,815,284,571.00 11.11 252,585,773,758,283.00 11.84 249,024,063,006,341.00 13.34 45,474,649,119,831.90 13.82
Stock 164,037,394,605,562.00 11.00 214,397,282,350,611.00 13.00 282,411,101,716,550.00 13.24 269,274,916,192,032.00 14.42 55,084,161,958,661.70 16.74
Bussiness Interruption 131,111,619,569,647.00 8.79 127,991,162,968,483.00 7.76 219,387,292,010,715.00 10.28 177,537,850,374,542.00 9.51 32,594,474,389,246.00 9.91
T O T A L 1,490,828,121,410,350.00 100.00 1,649,667,085,891,280.00 100.00 2,133,499,663,658,040.00 100.00 1,866,798,720,033,740.00 100.00 329,012,091,997,698.00 100.00
National Aggregate Exposure By Interest
In IDR
InterestU/Y 2013U/Y 2011 U/Y 2012
As At 30/06/2013
U/Y 2009 U/Y 2010
13
0.00
100,000.00
200,000.00
300,000.00
400,000.00
500,000.00
600,000.00
700,000.00
800,000.00
900,000.00
1,000,000.00
UY 2009 UY 2010 UY 2011 UY 2012 UY 2013
Building
Machinery
Stock
Others
Business Interruption
14
Table 2.4
In IDR
Amount % Amount % Amount % Amount % Amount %
01. NAD 2,129,111,617,748.15 0.14 45,896,549,742,028.30 2.78 64,016,209,950,642.90 3.00 15,801,554,178,547.90 0.85 499,163,742,055.27 0.15
02. SUMATERA UTARA 61,830,924,386,643.90 4.15 69,069,254,388,774.90 4.19 88,563,268,501,135.20 4.15 70,959,575,244,347.90 3.80 12,930,948,932,173.00 3.93
03. SUMATERA BARAT 51,986,147,581,059.10 3.49 22,452,769,096,979.30 1.36 23,006,864,914,047.00 1.08 26,446,002,289,147.20 1.42 3,683,450,224,092.90 1.12
04. RIAU 23,766,679,475,558.90 1.59 33,026,349,995,797.20 2.00 35,232,348,841,511.00 1.65 33,948,938,083,556.20 1.82 6,024,071,902,337.09 1.83
05. JAMBI 4,286,182,876,101.53 0.29 5,223,547,269,439.78 0.32 8,425,278,687,951.55 0.39 10,463,290,229,272.70 0.56 1,069,951,206,165.03 0.33
06. SUMATERA SELATAN 34,441,723,510,868.40 2.31 35,334,390,151,857.40 2.14 29,025,472,060,108.90 1.36 42,365,537,426,536.90 2.27 3,946,086,612,213.62 1.20
07. BENGKULU 2,829,353,116,796.79 0.19 3,071,922,062,750.14 0.19 4,061,932,263,115.86 0.19 4,134,702,191,247.59 0.22 701,841,782,117.27 0.21
08. LAMPUNG 22,259,556,772,337.80 1.49 16,896,042,909,000.00 1.02 27,394,030,704,809.60 1.28 25,429,998,762,576.20 1.36 6,320,663,136,626.28 1.92
09. KEP BANGKA-BELITUNG 23,539,205,367,201.10 1.58 2,949,807,596,903.38 0.18 2,750,408,873,226.23 0.13 3,150,857,107,238.06 0.17 465,181,949,178.80 0.14
10. KEPULAUAN RIAU 36,754,142,794,671.60 2.47 17,259,164,266,955.00 1.05 25,231,116,499,534.90 1.18 19,330,611,377,385.50 1.04 3,412,264,999,434.73 1.04
11. JAKARTA 278,038,128,925,252.00 18.65 293,541,065,983,175.00 17.79 449,109,627,597,055.00 21.05 385,298,806,843,644.00 20.64 84,753,462,422,109.30 25.76
12. JAWA BARAT 271,796,866,033,426.00 18.23 394,421,470,759,171.00 23.91 399,209,964,492,636.00 18.71 432,437,632,989,912.00 23.16 77,678,439,717,299.20 23.61
13. JAWA TENGAH 76,189,062,582,586.30 5.11 68,266,382,870,713.20 4.14 121,134,591,473,959.00 5.68 103,026,506,988,456.00 5.52 35,545,495,912,657.00 10.80
14. DIY 9,363,455,288,768.88 0.63 10,557,707,827,042.40 0.64 12,022,365,926,269.50 0.56 10,856,554,308,875.20 0.58 1,703,369,381,564.31 0.52
15. JAWA TIMUR 265,105,697,503,177.00 17.78 242,332,864,853,295.00 14.69 387,781,532,106,120.00 18.18 270,309,920,531,259.00 14.48 28,196,532,418,530.50 8.57
16. BANTEN 151,660,321,365,100.00 10.17 201,668,530,325,829.00 12.22 208,800,410,747,814.00 9.79 194,506,638,518,659.00 10.42 29,243,790,624,897.10 8.89
17. BALI 40,202,835,882,896.70 2.70 38,933,119,584,907.80 2.36 42,912,718,788,444.60 2.01 46,562,058,115,781.80 2.49 12,313,618,037,790.40 3.74
18. NUSA TENGGARA BARAT 3,490,546,199,565.78 0.23 2,913,971,660,370.82 0.18 3,013,131,704,772.26 0.14 3,421,094,661,526.50 0.18 905,129,060,162.79 0.28
19. NUSA TENGGARA TIMUR 756,334,736,995.34 0.05 866,279,324,190.44 0.05 1,614,228,486,822.56 0.08 1,784,243,410,170.60 0.10 142,112,805,455.20 0.04
20. KALIMANTAN BARAT 3,928,085,154,096.52 0.26 4,153,920,301,133.57 0.25 7,039,246,798,600.69 0.33 6,153,943,737,946.25 0.33 1,186,366,859,035.35 0.36
21. KALIMANTAN TENGAH 3,433,626,226,962.45 0.23 11,751,768,129,889.30 0.71 12,237,334,300,860.60 0.57 9,382,372,392,912.28 0.50 473,119,576,075.14 0.14
22. KALIMANTAN SELATAN 14,198,635,526,129.60 0.95 14,536,826,586,573.50 0.88 28,069,611,376,173.00 1.32 14,003,415,795,464.80 0.75 1,398,999,423,190.33 0.43
23. KALIMANTAN TIMUR 55,774,591,420,497.40 3.74 47,848,731,939,815.70 2.90 75,305,464,897,045.60 3.53 66,014,949,806,520.40 3.54 6,728,239,811,438.55 2.04
24. SULAWESI UTARA 7,145,694,528,981.35 0.48 8,866,538,150,728.90 0.54 20,603,135,583,167.80 0.97 10,945,508,879,170.80 0.59 1,505,890,877,211.45 0.46
25. SULAWESI TENGAH 1,191,649,278,851.66 0.08 1,343,057,490,561.18 0.08 2,228,387,852,567.00 0.10 1,745,820,786,867.60 0.09 1,994,526,569,987.60 0.61
26. SULAWESI SELATAN 19,968,991,918,068.80 1.34 17,334,480,273,173.30 1.05 24,666,771,831,657.40 1.16 25,728,728,291,743.90 1.38 4,173,743,998,969.37 1.27
27. SULAWESI TENGGARA 8,621,142,929,885.33 0.58 18,969,500,939,505.30 1.15 9,114,456,000,514.20 0.43 9,679,258,736,051.38 0.52 118,710,111,438.60 0.04
28. GORONTALO 10,845,525,441,797.70 0.73 12,013,952,637,944.50 0.73 12,691,734,203,888.80 0.59 14,153,068,633,534.70 0.76 111,063,373,743.00 0.03
29. SULAWESI BARAT 555,854,153,447.43 0.04 1,863,330,953,709.09 0.11 947,551,254,163.56 0.04 1,087,042,388,510.91 0.06 32,471,101,771.00 0.01
30. MALUKU 524,181,278,336.88 0.04 927,656,091,522.52 0.06 1,010,780,507,069.61 0.05 1,248,137,421,411.17 0.07 346,870,840,293.00 0.11
31. MALUKU UTARA 439,777,819,233.64 0.03 431,790,391,954.50 0.03 600,701,740,622.42 0.03 784,215,282,574.22 0.04 105,958,825,514.00 0.03
32. PAPUA BARAT 2,008,044,855,238.31 0.13 1,738,814,904,170.20 0.11 2,180,860,091,196.19 0.10 2,203,079,699,901.26 0.12 430,595,751,394.00 0.13
33. PAPUA 1,766,044,862,068.80 0.12 3,205,526,431,417.89 0.19 3,498,124,600,542.06 0.16 3,434,654,922,988.45 0.18 869,960,010,776.46 0.26
T O T A L 1,490,828,121,410,350.00 100.00 1,649,667,085,891,280.00 100.00 2,133,499,663,658,040.00 100.00 1,866,798,720,033,740.00 100.00 329,012,091,997,698.00 100.00
ProvinceU/Y 2009 U/Y 2010 U/Y 2011 U/Y 2013
National Aggregate Exposure By Province
As At 30/06/2013
U/Y 2012
15
Table 3.1 in IDR
Amount % Amount % Amount % Amount % Amount %
BANDA ACEH 1.1 1,421,009,357.01 0.08 5,817,910,093.62 0.28 12,937,506,402.76 0.46 7,060,394,392.08 0.28 411,551,772.90 0.09
MEDAN 1.2 51,779,147,506.33 2.92 54,851,052,537.98 2.63 54,225,469,591.20 1.94 46,147,499,671.93 1.81 10,570,581,886.52 2.27
OTHERS 1.3 24,861,350,127.17 1.40 84,222,782,938.40 4.04 132,724,364,758.46 4.76 62,136,185,376.75 2.44 6,655,784,572.62 1.43
NORTH SUMATERA 1 78,061,506,990.51 4.41 144,891,745,570.00 6.95 199,887,340,752.42 7.17 115,344,079,440.76 4.53 17,637,918,232.04 3.78
PADANG 2.1 55,282,246,739.63 3.12 32,763,150,722.69 1.57 29,530,427,929.95 1.06 34,705,971,746.33 1.36 5,514,591,495.36 1.18
PALEMBANG 2.2 20,548,650,294.82 1.16 16,904,096,152.15 0.81 12,929,429,406.38 0.46 18,355,562,358.67 0.72 2,093,649,833.75 0.45
OTHERS 2.3 106,993,265,409.90 6.04 110,542,695,662.54 5.30 139,166,633,521.58 4.99 147,531,719,859.03 5.79 24,713,790,684.22 5.30
SOUTH SUMATERA 2 182,824,162,444.35 10.32 160,209,942,537.38 7.69 181,626,490,857.91 6.51 200,593,253,964.03 7.88 32,322,032,013.33 6.93
JAKARTA 3.1 376,635,804,581.64 21.26 416,347,168,413.95 19.98 645,389,838,036.51 23.13 576,161,781,634.23 22.63 130,528,058,562.12 27.98
BANDUNG 3.2 9,457,807,091.92 0.53 8,241,042,107.75 0.40 9,999,946,631.05 0.36 15,305,498,523.88 0.60 2,059,604,660.47 0.44
OTHERS 3.3 489,696,407,734.99 27.65 761,714,575,963.26 36.55 827,425,250,108.81 29.66 889,975,250,173.92 34.95 160,538,152,646.87 34.42
WEST JAVA 3 875,790,019,408.55 49.45 1,186,302,786,484.96 56.93 1,482,815,034,776.37 53.15 1,481,442,530,332.03 58.18 293,125,815,869.46 62.84
SEMARANG 4.1 1,630,075,740.43 0.09 11,647,043,016.95 0.56 7,948,947,328.79 0.28 6,908,483,854.76 0.27 773,346,573.33 0.17
YOGYAKARTA 4.2 11,214,752,496.60 0.63 13,121,451,297.36 0.63 15,314,014,198.84 0.55 13,508,744,862.26 0.53 1,711,656,737.82 0.37
OTHERS 4.3 92,458,237,566.19 5.22 71,861,507,333.17 3.45 145,882,383,281.76 5.23 123,839,589,329.08 4.86 41,701,436,932.55 8.94
CENTRAL JAVA 4 105,303,065,803.22 5.95 96,630,001,647.48 4.64 169,145,344,809.39 6.06 144,256,818,046.10 5.67 44,186,440,243.70 9.47
SURABAYA 5.1 64,211,415,351.47 3.63 109,556,140,483.29 5.26 108,213,813,933.74 3.88 62,219,352,558.15 2.44 10,290,002,962.11 2.21
OTHERS 5.2 251,270,882,807.37 14.19 171,977,888,118.33 8.25 363,035,755,921.08 13.01 273,482,655,972.87 10.74 25,846,748,281.50 5.54
EAST JAVA 5 315,482,298,158.84 17.81 281,534,028,601.62 13.51 471,249,569,854.82 16.89 335,702,008,531.02 13.18 36,136,751,243.61 7.75
KALIMANTAN 6 92,748,368,387.60 5.24 68,414,377,789.76 3.28 103,125,514,374.15 3.70 88,124,330,644.11 3.46 9,070,051,094.68 1.94
UJUNG PANDANG 7.1 15,678,910,581.79 0.89 9,843,733,231.85 0.47 9,734,288,105.68 0.35 9,417,378,160.89 0.37 2,819,486,299.18 0.60
OTHERS 7.2 45,792,003,271.91 2.59 67,408,314,486.92 3.23 93,677,393,055.70 3.36 82,252,652,681.78 3.23 7,619,789,156.64 1.63
SULAWESI 7 61,470,913,853.70 3.47 77,252,047,718.77 3.71 103,411,681,161.38 3.71 91,670,030,842.67 3.60 10,439,275,455.82 2.24
OTHER ISLANDS 8 59,502,116,796.60 3.36 68,648,321,884.49 3.29 78,426,640,087.95 2.81 89,193,912,570.19 3.50 23,523,348,345.00 5.04
1,771,182,451,843.37 100.00 2,083,883,252,234.46 100.00 2,789,687,616,674.39 100.00 2,546,326,964,370.91 100.00 466,441,632,497.64 100.00
U/Y 2013
As At 30/06/2013
National Gross Premium By Cresta Zone
T O T A L
U/Y 2012Cresta Zone
U/Y 2011U/Y 2009 U/Y 2010
16
(in Billion IDR)
North Sumatera
South Sumatera
West Java
Central Java
East Java
Kalimantan
Sulawesi
Other Islands
199.89
181.63
1,482.82
169.15
471.25
103.13
103.41
78.43
115.34
200.59
1,481.44
144.26
335.70
88.12
91.67
89.19
17.64
32.32
293.13
44.19
36.14
9.07
10.44
23.52
78.06
182.82 875.79
105.30315.48
92.75
61.47
59.50
144.89
160.21
1,186.30
96.63
281.53
68.4177.25
68.65
UY 2010
UY 2011
UY 2012UY 2013
UY 2009
17
Amount % Amount % Amount % Amount % Amount %
AGRICULTURAL A 12,194,014,775.07 0.69 20,801,507,197.22 1.00 23,250,839,800.24 0.83 28,118,491,579.49 1.10 1,206,447,679.98 0.26
COMMERCIAL C 405,039,221,664.43 22.87 422,806,129,549.28 20.29 735,109,136,866.45 26.35 592,338,735,848.76 23.26 133,150,172,482.61 28.55
INDUSTRIAL I 1,123,907,187,984.33 63.46 1,282,982,608,844.50 61.57 1,697,084,749,965.57 60.83 1,592,811,877,470.49 62.55 258,618,088,768.60 55.44
RESIDENTIAL R 230,042,027,419.56 12.99 357,293,006,643.45 17.15 334,242,890,042.12 11.98 333,057,859,472.19 13.08 73,466,923,566.44 15.75
1,771,182,451,843.39 100.00 2,083,883,252,234.45 100.00 2,789,687,616,674.38 100.00 2,546,326,964,370.93 100.00 466,441,632,497.63 100.00
U/Y 2009 U/Y 2010
Table 3.2
Occupation
As At 30/06/2013
National Gross Premium By Occupation
T O T A L
U/Y 2011 U/Y 2012 U/Y 2013
in IDR
18
( In Billion IDR )
Agricultural, 23.25
Commercial, 735.11
Industrial, 1,697.08
Residential, 334.24
Agricultural, 28.12
Commercial, 592.34
Industrial, 1,592.81
Residential, 333.06
Agricultural, 1.21
Commercial, 133.15
Industrial, 258.62
Residential, 73.47 2010
Agricultural, 12.19
Commercial, 405.04
Industrial, 1,123.91
Residential, 230.04
UY 2009
Agricultural, 20.80
Commercial, 422.81
Industrial, 1,282.98
Residential, 357.29
UY 2012UY 2013
UY 2011
UY 2010
19
Table 3.3
In IDR
Amount % Amount % Amount % Amount % Amount %
01. NAD 2,599,957,203.66 0.15 61,708,999,895.73 2.96 92,415,507,207.55 3.31 24,693,999,309.72 0.97 847,958,556.31 0.18
02. SUMATERA UTARA 75,461,549,786.85 4.26 83,182,745,674.27 3.99 107,471,833,544.87 3.85 90,650,080,131.04 3.56 16,789,959,675.72 3.60
03. SUMATERA BARAT 62,010,200,539.17 3.50 39,385,590,334.25 1.89 40,136,434,465.59 1.44 47,450,246,835.72 1.86 6,627,505,447.28 1.42
04. RIAU 25,419,981,946.64 1.44 33,225,149,488.78 1.59 35,459,683,510.02 1.27 35,569,515,347.61 1.40 6,452,200,858.17 1.38
05. JAMBI 4,712,436,810.57 0.27 5,235,841,053.72 0.25 8,267,536,356.96 0.30 10,252,655,450.74 0.40 1,191,294,672.38 0.26
06. SUMATERA SELATAN 39,063,571,110.78 2.21 36,804,600,951.86 1.77 29,966,693,292.10 1.07 44,461,454,341.20 1.75 4,307,268,912.19 0.92
07. BENGKULU 3,813,255,235.83 0.22 5,442,661,038.17 0.26 7,257,685,226.62 0.26 7,679,300,016.26 0.30 1,331,445,084.50 0.29
08. LAMPUNG 27,199,695,741.88 1.54 22,880,524,453.15 1.10 37,080,836,980.09 1.33 35,518,378,588.52 1.39 8,861,252,188.84 1.90
09. KEP BANGKA-BELITUNG 33,218,571,860.62 1.88 2,608,246,658.97 0.13 2,399,758,098.85 0.09 2,832,398,083.26 0.11 424,569,235.97 0.09
10. KEPULAUAN RIAU 44,378,292,555.34 2.51 14,627,328,558.48 0.70 21,057,862,927.68 0.75 16,829,305,300.73 0.66 3,126,495,614.00 0.67
11. JAKARTA 356,160,913,696.54 20.11 416,347,168,413.95 19.98 645,389,838,036.51 23.13 576,161,781,634.23 22.63 130,528,058,562.12 27.98
12. JAWA BARAT 292,064,855,905.75 16.49 502,826,928,372.42 24.13 547,262,949,508.13 19.62 623,106,077,979.27 24.47 118,074,833,842.02 25.31
13. JAWA TENGAH 92,285,467,579.26 5.21 81,488,360,782.44 3.91 151,137,332,259.35 5.42 127,784,472,491.07 5.02 41,638,466,494.17 8.93
14. DIY 12,391,076,047.90 0.70 15,141,640,865.04 0.73 18,008,012,550.03 0.65 16,472,345,555.03 0.65 2,547,973,749.53 0.55
15. JAWA TIMUR 311,725,638,799.48 17.60 281,534,028,601.62 13.51 471,249,569,854.82 16.89 335,702,008,531.02 13.18 36,136,751,243.61 7.75
16. BANTEN 178,053,948,181.47 10.05 267,128,689,698.59 12.82 290,162,247,231.73 10.40 282,174,670,718.53 11.08 44,522,923,465.33 9.55
17. BALI 49,011,896,632.17 2.77 53,378,833,945.62 2.56 59,823,919,511.49 2.14 67,606,746,147.19 2.66 18,700,422,934.37 4.01
18. NUSA TENGGARA BARAT 4,252,556,633.23 0.24 4,437,606,352.38 0.21 5,031,465,378.03 0.18 6,402,804,299.64 0.25 1,542,250,538.02 0.33
19. NUSA TENGGARA TIMUR 916,487,976.09 0.05 1,284,175,959.79 0.06 2,429,047,070.93 0.09 2,712,726,144.60 0.11 223,377,355.99 0.05
20. KALIMANTAN BARAT 4,242,970,580.08 0.24 3,687,992,245.24 0.18 6,139,141,796.37 0.22 5,446,838,885.32 0.21 1,085,945,208.97 0.23
21. KALIMANTAN TENGAH 3,654,811,655.16 0.21 9,914,281,502.92 0.48 10,286,884,410.89 0.37 8,205,441,819.01 0.32 426,832,804.66 0.09
22. KALIMANTAN SELATAN 16,851,347,972.98 0.95 12,885,350,967.32 0.62 23,685,707,356.50 0.85 12,744,904,316.10 0.50 1,277,398,676.43 0.27
23. KALIMANTAN TIMUR 64,785,255,807.88 3.66 41,926,753,074.28 2.01 63,013,780,810.40 2.26 61,727,145,623.68 2.42 6,279,874,404.61 1.35
24. SULAWESI UTARA 9,263,560,818.07 0.52 14,807,314,700.71 0.71 37,983,901,935.92 1.36 20,540,694,259.01 0.81 2,847,215,180.12 0.61
25. SULAWESI TENGAH 1,457,145,648.09 0.08 2,001,251,523.09 0.10 3,442,379,082.49 0.12 2,812,471,771.17 0.11 3,063,366,339.73 0.66
26. SULAWESI SELATAN 23,927,432,826.51 1.35 18,302,162,200.00 0.88 24,843,001,545.40 0.89 26,727,238,890.81 1.05 4,096,608,809.32 0.88
27. SULAWESI TENGGARA 9,777,748,539.39 0.55 21,169,630,965.77 1.02 10,519,561,644.84 0.38 11,897,031,206.38 0.47 176,449,246.12 0.04
28. GORONTALO 16,060,097,062.08 0.91 18,304,277,651.72 0.88 25,224,504,161.07 0.90 28,064,302,446.39 1.10 207,258,322.39 0.04
29. SULAWESI BARAT 668,782,251.02 0.04 2,667,410,677.48 0.13 1,398,332,791.67 0.05 1,628,292,268.93 0.06 48,377,558.14 0.01
30. MALUKU 667,234,478.44 0.04 1,701,525,389.23 0.08 1,758,561,769.74 0.06 2,278,079,910.40 0.09 632,091,439.68 0.14
31. MALUKU UTARA 553,227,426.82 0.03 735,949,652.58 0.04 1,057,640,597.80 0.04 1,375,795,814.13 0.05 199,686,539.88 0.04
32. PAPUA BARAT 2,376,043,136.44 0.13 2,543,032,440.65 0.12 3,158,111,897.93 0.11 3,283,562,993.95 0.13 675,393,502.51 0.14
33. PAPUA 2,156,439,397.19 0.12 4,567,198,144.24 0.22 5,167,893,862.03 0.19 5,534,197,260.28 0.22 1,550,126,034.54 0.33
T O T A L 1,771,182,451,843.38 100.00 2,083,883,252,234.46 100.00 2,789,687,616,674.40 100.00 2,546,326,964,370.94 100.00 466,441,632,497.62 100.00
ProvinceU/Y 2009 U/Y 2010 U/Y 2011 U/Y 2013
National Gross Premium By Province
As At 30/06/2013
U/Y 2012
20
Table 4.1
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
BANDA ACEH 1.1 547 634 515 549 137
MEDAN 1.2 5,181 5,664 5,695 5,600 1,468
OTHERS 1.3 3,380 5,147 4,418 4,387 726
NORTH SUMATERA 1 9,108 11,445 10,628 10,536 2,331
PADANG 2.1 4,209 8,361 9,847 10,414 2,503
PALEMBANG 2.2 1,602 1,613 1,427 1,294 299
OTHERS 2.3 11,985 17,027 16,307 15,839 2,616
SOUTH SUMATERA 2 17,796 27,001 27,581 27,547 5,418
JAKARTA 3.1 31,407 35,114 38,373 33,112 8,595
BANDUNG 3.2 1,323 1,684 1,126 1,950 488
OTHERS 3.3 27,930 34,701 33,688 31,174 7,124
WEST JAVA 3 60,660 71,499 73,187 66,236 16,207
SEMARANG 4.1 464 379 661 772 145
YOGYAKARTA 4.2 2,176 2,467 2,147 2,152 479
OTHERS 4.3 8,841 10,540 9,501 8,806 1,625
CENTRAL JAVA 4 11,481 13,386 12,309 11,730 2,249
SURABAYA 5.1 5,161 6,029 6,034 5,556 1,349
OTHERS 5.2 6,630 7,821 7,209 6,597 1,332
EAST JAVA 5 11,791 13,850 13,243 12,153 2,681
KALIMANTAN 6 4,775 7,002 5,494 6,912 675
UJUNG PANDANG 7.1 1,451 1,737 1,798 1,559 331
OTHERS 7.2 3,753 6,399 6,770 5,680 910
SULAWESI 7 5,204 8,136 8,568 7,239 1,241
OTHER ISLANDS 8 9,503 12,160 12,788 13,438 3,155
130,318 164,479 163,798 155,791 33,957T O T A L
Number Of Risk By Cresta Zone
As At 30/06/2013
Cresta Zone
21
UY 2010
UY 2011
UY 2012
0
10,000
20,000
30,000
40,000
50,000
60,000
70,000
80,000
North Sumatera South Sumatera West Java Central Java East Java Kalimantan Sulawesi Other Islands
UY 2009
UY 2010
UY 2011
UY 2012
UY 2013
22
Table 4.2
U/Y 2009 % U/Y 2010 % U/Y 2011 % U/Y 2012 % U/Y 2013 %
AGRICULTURAL A 252 0.19 441 0.27 379 0.23 414 0.27 44 0.13
COMMERCIAL C 74,400 57.09 83,031 50.48 89,622 54.71 81,011 52.00 17,385 51.20
INDUSTRIAL I 12,939 9.93 13,851 8.42 14,971 9.14 15,679 10.06 3,332 9.81
RESIDENTIAL R 42,727 32.79 67,156 40.83 58,826 35.91 58,687 37.67 13,196 38.86
130,318 100.00 164,479 100.00 163,798 100.00 155,791 100.00 33,957 100.00
Number Of Risk By Occupation
T O T A L
Occupation
As At 30/06/2013
23
Agricultural, 379
Commercial, 89,622
Industrial, 14,971
Residential, 58,826
Agricultural, 414
Commercial, 81,011
Industrial, 15,679
Residential, 58,687
Agricultural, 44
Commercial, 17,385
Industrial, 3,332
Residential, 13,196
Agricultural, 252
Commercial, 74,400
Industrial, 12,939
Residential, 42,727
Agricultural, 441
Commercial, 83,031
Industrial, 13,851
Residential, 67,156
UY 2009
UY 2012 UY 2013
UY 2010
UY 2011
24
Table 5.1
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
AGRICULTURAL A 27 0 0 0 0
COMMERCIAL C 982 46 74 9 0
INDUSTRIAL I 23 1 0 0 0
RESIDENTIAL R 835 11 34 2 0
1,867 58 108 11 0T O T A L
Claim Frequency by Occupation
As At 30/06/2013
Occupation
25
0
100
200
300
400
500
600
700
800
900
1,000
UY 2009 UY 2010 UY 2011 UY 2012 UY 2013
270 0 0 0
982
4674
9 023
1 0 0 0
835
1134
2 0
Agricultural
Commercial
Industrial
Residential
26
Table 5.2
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
BANDA ACEH 1.1 10 4 5 1 0
MEDAN 1.2 0 1 10 1 0
OTHERS 1.3 2 2 1 2 0
NORTH SUMATERA 1 12 7 16 4 0
PADANG 2.1 1,599 0 7 0 0
PALEMBANG 2.2 0 0 0 0 0
OTHERS 2.3 16 1 13 1 0
SOUTH SUMATERA 2 1,615 1 20 1 0
JAKARTA 3.1 37 1 2 0 0
BANDUNG 3.2 96 0 1 0 0
OTHERS 3.3 75 1 2 1 0
WEST JAVA 3 208 2 5 1 0
SEMARANG 4.1 0 0 0 0 0
YOGYAKARTA 4.2 1 5 0 0 0
OTHERS 4.3 2 7 0 0 0
CENTRAL JAVA 4 3 12 0 0 0
SURABAYA 5.1 0 0 0 0 0
OTHERS 5.2 0 2 0 0 0
EAST JAVA 5 0 2 0 0 0
KALIMANTAN 6 0 0 0 0 0
UJUNG PANDANG 7.1 0 1 0 0 0
OTHERS 7.2 0 2 1 1 0
SULAWESI 7 0 3 1 1 0
OTHER ISLANDS 8 29 31 66 4 0
1,867 58 108 11 0T O T A L
Claim Frequency by Cresta Zone
As At 30/06/2013
Cresta Zone
27
0
200
400
600
800
1,000
1,200
1,400
1,600
1,800
UY 2009 UY 2010 UY 2011 UY 2012 UY 2013
12 7 16 4 0
1615
1 201 0
208
2 5 1 03 12 0 0 00 2 0 0 00 0 0 0 00 3 1 1 029 31
66
4 0
North Sumatera
South Sumatera
DKI & West Java
DIY & Central Java
East Java
Kalimantan
Sulawesi
Other Islands
28
Table 5.3
Amount % Amount % Amount % Amount % Amount %
AGRICULTURAL A 14,121,897,296.24 1.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COMMERCIAL C 894,652,247,963.53 91.26 41,536,859,874.73 97.27 14,845,431,263.49 94.35 1,165,434,751.54 88.60 0.00 0.00
INDUSTRIAL I 4,401,122,616.25 0.45 760,224,542.70 1.78 0.00 0.00 0.00 0.00 0.00 0.00
RESIDENTIAL R 67,191,812,895.10 6.85 406,785,430.40 0.95 889,538,909.86 5.65 150,000,000.00 11.40 0.00 0.00
980,367,080,771.12 100.00 42,703,869,847.83 100.00 15,734,970,173.35 100.00 1,315,434,751.54 100.00 0.00 0.00
Claim by Occupation
In IDR
Occupation
T O T A L
U/Y 2013
As At 30/06/2013
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012
29
Agricultural
1.44%
Commercial
91.26%
Industrial
0.45%
Residential
6.85%
Agricultural
0.00%
Commercial
94.35%
Industrial
0.00%Residential
5.65%
Agricultural
0.00%
Commercial
88.60%
Industrial
0.00%Residential
11.40%
Agricultural
0.00%
Commercial
97.27%
Industrial
1.78%Residential
0.95%
UY 2010
UY 2011
UY 2012
UY 2013
UY 2009
30
Table 5.4
Amount % Amount % Amount % Amount % Amount %
BANDA ACEH 1.1 634,630,000.00 0.06 230,965,351.00 0.54 6,247,593,500.00 39.71 100,000,000.00 7.60 0.00 0.00
MEDAN 1.2 0.00 0.00 17,388,400.00 0.04 342,115,427.45 2.17 4,136,951.00 0.31 0.00 0.00
OTHERS 1.3 42,855,792,400.00 4.37 175,000,000.00 0.41 62,469,898.00 0.40 616,416,000.00 46.86 0.00 0.00
NORTH SUMATERA 1 43,490,422,400.00 4.44 423,353,751.00 0.99 6,652,178,825.45 42.28 720,552,951.00 54.78 0.00 0.00
PADANG 2.1 868,009,369,897.37 88.54 0.00 0.00 64,390,800.00 0.41 0.00 0.00 0.00 0.00
PALEMBANG 2.2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 2.3 825,633,266.30 0.08 10,000,000.00 0.02 1,445,841,000.00 9.19 50,000,000.00 3.80 0.00 0.00
SOUTH SUMATERA 2 868,835,003,163.67 88.62 10,000,000.00 0.02 1,510,231,800.00 9.60 50,000,000.00 3.80 0.00 0.00
JAKARTA 3.1 1,903,353,467.61 0.19 2,508,000.00 0.01 60,000,000.00 0.38 0.00 0.00 0.00 0.00
BANDUNG 3.2 16,812,369,132.84 1.71 0.00 0.00 67,353,075.00 0.43 0.00 0.00 0.00 0.00
OTHERS 3.3 5,060,914,073.80 0.52 37,327,390.00 0.09 27,100,000.00 0.17 50,000,000.00 3.80 0.00 0.00
WEST JAVA 3 23,776,636,674.25 2.43 39,835,390.00 0.09 154,453,075.00 0.98 50,000,000.00 3.80 0.00 0.00
SEMARANG 4.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
YOGYAKARTA 4.2 171,507,756.40 0.02 30,261,054,600.00 70.86 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 4.3 9,854,250.00 0.00 4,120,914,560.59 9.65 0.00 0.00 0.00 0.00 0.00 0.00
CENTRAL JAVA 4 181,362,006.40 0.02 34,381,969,160.59 80.51 0.00 0.00 0.00 0.00 0.00 0.00
SURABAYA 5.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 5.2 0.00 0.00 46,008,723.00 0.11 0.00 0.00 0.00 0.00 0.00 0.00
EAST JAVA 5 0.00 0.00 46,008,723.00 0.11 0.00 0.00 0.00 0.00 0.00 0.00
KALIMANTAN 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
UJUNG PANDANG 7.1 0.00 0.00 760,224,542.70 1.78 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 7.2 0.00 0.00 90,491,945.00 0.21 50,000,000.00 0.32 75,371,521.00 5.73 0.00 0.00
SULAWESI 7 0.00 0.00 850,716,487.70 1.99 50,000,000.00 0.32 75,371,521.00 5.73 0.00 0.00
OTHER ISLANDS 8 44,083,656,526.80 4.50 6,951,986,335.54 16.28 7,368,106,472.90 46.83 419,510,279.54 31.89 0.00 0.00
980,367,080,771.12 100.00 42,703,869,847.83 100.00 15,734,970,173.35 100.00 1,315,434,751.54 100.00 0.00 0.00
Cresta Zone
T O T A L
Claim by Cresta Zone
In IDR
U/Y 2013U/Y 2009
As At 30/06/2013
U/Y 2010 U/Y 2011 U/Y 2012
31
( In Million IDR )
North Sumatera,
6,652.18
South Sumatera,
1,510.23West Java, 154.45
Central Java, 0.00East Java, 0.00
Kalimantan, 0.00
Sulawesi, 50.00
Other Islands,
7,368.11
North Sumatera
South Sumatera
West Java
Central Java
East Java
Kalimantan
Sulawesi
Other Islands
North Sumatera, 423.35
South Sumatera,
10.00
West Java, 39.84
Central Java,
34,381.97
East Java, 46.01
Kalimantan, 0.00
Sulawesi, 850.72
Other Islands, 6,951.99
North Sumatera, 43,490.42
South Sumatera, 868,835.00
West Java, 23,776.64
Central Java, 181.36East Java, 0.00
Kalimantan, 0.00
Sulawesi, 0.00
Other Islands, 44,083.66
North Sumatera, 720.55
South Sumatera,
50.00
West Java, 50.00
Central Java, 0.00East Java, 0.00
Kalimantan, 0.00
Sulawesi, 75.37
Other Islands, 419.51
UY 2012UY 2013
UY 2010
UY 2011UY 2009
32
:
(a)
1 0.00 85 85
2 50.00 143 228
3 100.00 305 533
4 200.00 233 766
5 300.00 351 1,117
6 500.00 180 1,297
7 750.00 153 1,450
8 1,000.00 92 1,542
9 1,500.00 74 1,616
10 2,000.00 41 1,657
11 2,500.00 30 1,687
12 3,000.00 42 1,729
13 4,000.00 26 1,755
14 5,000.00 46 1,801
15 7,500.00 44 1,845
16 10,000.00 61 1,906
17 20,000.00 46 1,952
18 50,000.00 25 1,977
19 100,000.00 47 2,024
20 500,000.00 20 2,044
OCCUPATION : ALLPROCESSING DATE 13/08/2013
GROSS PREMIUM
(In Million Rp)
INCURRED CLAIM
(In Million Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2009 - 2013
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in Million Rp)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d)
CUM
∑(f)rp BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u)
50.00 69,865 69,865 10.78 10.78 2,543.76 2,543.76 0.03 0.03 4.16 4.16 2,310.88 2,310.88 0.22 0.22 90.84 90.84
100.00 50,337 120,202 7.76 18.54 5,752.71 8,296.48 0.06 0.09 7.00 11.15 3,731.08 6,041.95 0.36 0.58 64.86 72.83
200.00 73,703 193,905 11.37 29.91 15,974.44 24,270.91 0.17 0.25 14.92 26.08 9,107.78 15,149.74 0.88 1.46 57.01 62.42
300.00 51,718 245,623 7.98 37.88 18,466.13 42,737.04 0.19 0.44 11.40 37.48 12,904.73 28,054.47 1.24 2.70 69.88 65.64
500.00 74,389 320,012 11.47 49.36 42,574.67 85,311.71 0.44 0.88 17.17 54.65 39,044.52 67,098.99 3.75 6.45 91.71 78.65
750.00 58,428 378,440 9.01 58.37 50,527.41 135,839.12 0.52 1.41 8.81 63.45 32,820.89 99,919.88 3.16 9.61 64.96 73.56
1,000.00 53,868 432,308 8.31 66.68 65,779.31 201,618.43 0.68 2.09 7.49 70.94 20,511.07 120,430.95 1.97 11.58 31.18 59.73
1,500.00 47,429 479,737 7.32 73.99 81,357.23 282,975.66 0.84 2.93 4.50 75.44 20,484.65 140,915.60 1.97 13.55 25.18 49.80
2,000.00 28,423 508,160 4.38 78.38 69,374.20 352,349.86 0.72 3.65 3.62 79.06 24,617.60 165,533.20 2.37 15.91 35.49 46.98
2,500.00 17,720 525,880 2.73 81.11 54,943.04 407,292.90 0.57 4.22 2.01 81.07 21,454.62 186,987.82 2.06 17.98 39.05 45.91
3,000.00 14,195 540,075 2.19 83.30 53,996.40 461,289.30 0.56 4.78 1.47 82.53 8,455.22 195,443.04 0.81 18.79 15.66 42.37
4,000.00 17,671 557,746 2.73 86.03 84,811.72 546,101.03 0.88 5.65 2.05 84.59 16,627.44 212,070.49 1.60 20.39 19.61 38.83
5,000.00 12,601 570,347 1.94 87.97 78,575.14 624,676.17 0.81 6.47 1.27 85.86 10,105.96 222,176.45 0.97 21.36 12.86 35.57
7,500.00 17,174 587,521 2.65 90.62 143,389.81 768,065.98 1.48 7.95 2.25 88.11 16,710.61 238,887.06 1.61 22.97 11.65 31.10
10,000.00 11,161 598,682 1.72 92.34 134,676.95 902,742.93 1.39 9.35 2.15 90.26 35,730.06 274,617.12 3.44 26.40 26.53 30.42
20,000.00 17,709 616,391 2.73 95.07 343,662.44 1,246,405.37 3.56 12.91 2.98 93.25 126,347.51 400,964.63 12.15 38.55 36.77 32.17
50,000.00 15,155 631,546 2.34 97.41 628,263.00 1,874,668.37 6.51 19.41 2.25 95.50 116,544.62 517,509.25 11.20 49.75 18.55 27.61
100,000.0
0
7,270 638,816 1.12 98.53 657,104.80 2,531,773.17 6.80 26.22 1.22 96.72 12,277.01 529,786.26 1.18 50.94 1.87 20.93
500,000.0
0
7,550 646,366 1.16 99.70 2,008,539.72 4,540,312.89 20.80 47.01 2.30 99.02 143,602.90 673,389.16 13.81 64.74 7.15 14.83
366,732.19UP 1,977 648,343 0.30 100.00 5,117,209.03 1,040,121.36 35.26 100.00 7.17 10.779,657,521.92 52.99 100.00 0.98 100.00
33
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 0 0
13 4,000.00 0 0
14 5,000.00 0 0
15 7,500.00 0 0
16 10,000.00 0 0
17 20,000.00 0 0
18 50,000.00 0 0
19 100,000.00 0 0
20 500,000.00 0 0 0.00466,441.63 35.35 100.00 0.00 0.00UP 90 33,957 0.27 100.00 164,886.29
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
301,555.34 28.63 64.65 0.00 0.00 0.00500,000.0
0
446 33,867 1.31 99.73 133,552.62
0.00 0.00 0.00 0.00 0.00 0.0045,945.32 168,002.72 9.85 36.02 0.00 0.00
0.00 0.00 0.00 0.00 0.00
100,000.0
0
461 33,421 1.36 98.42
122,057.39 8.39 26.17 0.00 0.00 0.0050,000.00 858 32,960 2.53 97.06 39,114.29
0.00 0.00 0.00 0.00 0.00 0.0021,584.69 82,943.10 4.63 17.78 0.00 0.00
0.00 0.00 0.00 0.00 0.00
20,000.00 1,075 32,102 3.17 94.54
61,358.42 1.98 13.15 0.00 0.00 0.0010,000.00 739 31,027 2.18 91.37 9,243.45
0.00 0.00 0.00 0.00 0.00 0.0010,475.99 52,114.96 2.25 11.17 0.00 0.00
0.00 0.00 0.00 0.00 0.00
7,500.00 1,226 30,288 3.61 89.20
41,638.97 1.28 8.93 0.00 0.00 0.005,000.00 932 29,062 2.74 85.58 5,970.47
0.00 0.00 0.00 0.00 0.00 0.005,818.19 35,668.50 1.25 7.65 0.00 0.00
0.00 0.00 0.00 0.00 0.00
4,000.00 1,168 28,130 3.44 82.84
29,850.31 0.81 6.40 0.00 0.00 0.003,000.00 946 26,962 2.79 79.40 3,795.46
0.00 0.00 0.00 0.00 0.00 0.003,872.82 26,054.84 0.83 5.59 0.00 0.00
0.00 0.00 0.00 0.00 0.00
2,500.00 1,193 26,016 3.51 76.61
22,182.02 1.04 4.76 0.00 0.00 0.002,000.00 1,894 24,823 5.58 73.10 4,846.49
0.00 0.00 0.00 0.00 0.00 0.005,324.70 17,335.52 1.14 3.72 0.00 0.00
0.00 0.00 0.00 0.00 0.00
1,500.00 2,934 22,929 8.64 67.52
12,010.83 0.81 2.57 0.00 0.00 0.001,000.00 3,017 19,995 8.88 58.88 3,790.70
0.00 0.00 0.00 0.00 0.00 0.003,663.14 8,220.12 0.79 1.76 0.00 0.00
0.00 0.00 0.00 0.00 0.00
750.00 4,148 16,978 12.22 50.00
4,556.98 0.55 0.98 0.00 0.00 0.00500.00 4,392 12,830 12.93 37.78 2,584.80
0.00 0.00 0.00 0.00 0.00 0.001,040.43 1,972.17 0.22 0.42 0.00 0.00
0.00 0.00 0.00 0.00 0.00
300.00 2,792 8,438 8.22 24.85
931.75 0.15 0.20 0.00 0.00 0.00
0.00 0.00 0.00 0.00
200.00 3,107 5,646 9.15 16.63 709.99
0.04 0.05 0.00 0.00 0.00 0.00
0.00 0.00 0.00
100.00 1,585 2,539 4.67 7.48 178.06 221.76
0.01 0.00 0.00 0.00 0.00 0.00
(t) (u)
50.00 954 954 2.81 2.81 43.70 43.70 0.01
(n) (o) (p) (q) (r) (s)(h) (i) (j) (k) (l) (m)(b) (c) (d) (e) (f) (g)
rp BAND
(q)/∑(q)
CU
M
∑(r)
BAND
(p)/(h)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d
)
CUM
∑(f )rp BAND
(m)/∑(m)
FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
PERCENTAGE
CU
M
∑(n)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2013
BAND
F PERCENTAGE Rp PERCENTAGE
OCCUPATION : ALLPROCESSING DATE 13/08/2013
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
34
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 1 1
6 500.00 0 1
7 750.00 0 1
8 1,000.00 1 2
9 1,500.00 2 4
10 2,000.00 1 5
11 2,500.00 0 5
12 3,000.00 0 5
13 4,000.00 0 5
14 5,000.00 1 6
15 7,500.00 0 6
16 10,000.00 4 10
17 20,000.00 0 10
18 50,000.00 0 10
19 100,000.00 1 11
20 500,000.00 0 11 0.052,546,326.96 51.91 100.00 0.00 100.00UP 508 155,791 0.33 100.00 1,321,823.51
1,315.43 0.31 100.00 0.00 0.11
0.00 1,315.43 0.00 100.00 0.00
1,224,503.45 21.54 48.09 9.09 100.00 4.14500,000.0
0
1,928 155,283 1.24 99.67 548,437.62
0.00 1,311.30 0.00 99.69 0.00 0.19185,402.61 676,065.83 7.28 26.55 0.00 90.91
1,311.30 0.00 99.69 0.00 0.27
100,000.0
0
1,935 153,355 1.24 98.44
490,663.22 6.47 19.27 0.00 90.91 0.0050,000.00 3,817 151,420 2.45 97.19 164,662.29
562.94 1,311.30 42.80 99.69 0.62 0.4091,501.50 326,000.93 3.59 12.80 36.36 90.91
748.36 0.00 56.89 0.00 0.32
20,000.00 4,644 147,603 2.98 94.74
234,499.43 1.43 9.21 0.00 54.55 0.0010,000.00 2,948 142,959 1.89 91.76 36,367.49
56.38 748.36 4.29 56.89 0.15 0.3838,700.37 198,131.94 1.52 7.78 9.09 54.55
691.97 0.00 52.60 0.00 0.43
7,500.00 4,541 140,011 2.91 89.87
159,431.57 0.83 6.26 0.00 45.45 0.005,000.00 3,268 135,470 2.10 86.96 21,142.87
0.00 691.97 0.00 52.60 0.00 0.5023,019.05 138,288.70 0.90 5.43 0.00 45.45
691.97 0.00 52.60 0.00 0.60
4,000.00 4,636 132,202 2.98 84.86
115,269.65 0.58 4.53 0.00 45.45 0.003,000.00 3,739 127,566 2.40 81.88 14,784.19
62.33 691.97 4.74 52.60 0.43 0.6914,656.64 100,485.46 0.58 3.95 9.09 45.45
629.64 40.26 47.87 2.91 0.73
2,500.00 4,600 123,827 2.95 79.48
85,828.82 0.71 3.37 18.18 36.36 529.642,000.00 7,218 119,227 4.63 76.53 18,205.15
50.00 100.00 3.80 7.60 0.25 0.1520,079.37 67,623.67 0.79 2.66 9.09 18.18
50.00 0.00 3.80 0.00 0.11
1,500.00 11,239 112,009 7.21 71.90
47,544.30 0.58 1.87 0.00 9.09 0.001,000.00 11,434 100,770 7.34 64.68 14,663.92
0.00 50.00 0.00 3.80 0.00 0.1511,367.46 32,880.38 0.45 1.29 0.00 9.09
50.00 3.80 3.80 0.46 0.23
750.00 12,804 89,336 8.22 57.34
21,512.92 0.43 0.84 9.09 9.09 50.00500.00 18,265 76,532 11.72 49.12 10,825.29
0.00 0.00 0.00 0.00 0.00 0.004,783.07 10,687.63 0.19 0.42 0.00 0.00
0.00 0.00 0.00 0.00 0.00
300.00 12,935 58,267 8.30 37.40
5,904.56 0.15 0.23 0.00 0.00 0.00
0.00 0.00 0.00 0.00
200.00 17,944 45,332 11.52 29.10 3,945.46
0.06 0.08 0.00 0.00 0.00 0.00
0.00 0.00 0.00
100.00 12,310 27,388 7.90 17.58 1,407.06 1,959.10
0.02 0.00 0.00 0.00 0.00 0.00
(t) (u)
50.00 15,078 15,078 9.68 9.68 552.04 552.04 0.02
(n) (o) (p) (q) (r) (s)(h) (i) (j) (k) (l) (m)(b) (c) (d) (e) (f) (g)
rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp BAND
(m)/∑(m)
FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
PERCENTAGE
CUM
∑(n)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2012
BAND
F PERCENTAGE Rp PERCENTAGE
OCCUPATION : ALLPROCESSING DATE 13/08/2013
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
35
:
(a)
1 0.00 0 0
2 50.00 2 2
3 100.00 5 7
4 200.00 5 12
5 300.00 26 38
6 500.00 8 46
7 750.00 4 50
8 1,000.00 4 54
9 1,500.00 5 59
10 2,000.00 3 62
11 2,500.00 3 65
12 3,000.00 4 69
13 4,000.00 4 73
14 5,000.00 8 81
15 7,500.00 3 84
16 10,000.00 5 89
17 20,000.00 9 98
18 50,000.00 4 102
19 100,000.00 6 108
20 500,000.00 0 108 0.562,789,687.62 57.31 100.00 0.00 100.00UP 545 163,798 0.33 100.00 1,598,882.66
15,734.97 38.46 100.00 1.16 1.32
0.00 15,734.97 0.00 100.00 0.00
1,190,804.95 18.69 42.69 5.56 100.00 6,051.93500,000.0
0
1,905 163,253 1.16 99.67 521,447.84
1,496.27 9,683.04 9.51 61.54 0.89 1.45167,849.47 669,357.12 6.02 23.99 3.70 94.44
8,186.77 9.07 52.03 0.85 1.63
100,000.0
0
1,797 161,348 1.10 98.50
501,507.65 6.02 17.98 8.33 90.74 1,427.5550,000.00 3,898 159,551 2.38 97.41 167,997.38
746.76 6,759.23 4.75 42.96 0.82 2.0391,387.74 333,510.28 3.28 11.96 4.63 82.41
6,012.46 1.51 38.21 0.65 2.48
20,000.00 4,560 155,653 2.78 95.03
242,122.54 1.30 8.68 2.78 77.78 238.0210,000.00 2,907 151,093 1.77 92.24 36,355.80
3,552.15 5,774.44 22.57 36.70 9.19 2.8138,667.98 205,766.73 1.39 7.38 7.41 75.00
2,222.29 1.38 14.12 1.02 1.33
7,500.00 4,456 148,186 2.72 90.47
167,098.75 0.76 5.99 3.70 67.59 216.615,000.00 3,316 143,730 2.02 87.75 21,262.28
129.87 2,005.69 0.83 12.75 0.56 1.3823,048.72 145,836.47 0.83 5.23 3.70 63.89
1,875.82 1.23 11.92 1.34 1.53
4,000.00 4,679 140,414 2.86 85.72
122,787.75 0.52 4.40 2.78 60.19 193.303,000.00 3,642 135,735 2.22 82.87 14,405.17
189.22 1,682.52 1.20 10.69 1.28 1.5514,839.28 108,382.57 0.53 3.89 2.78 57.41
1,493.30 2.85 9.49 2.43 1.60
2,500.00 4,631 132,093 2.83 80.64
93,543.30 0.66 3.35 4.63 54.63 448.422,000.00 7,347 127,462 4.49 77.82 18,469.01
133.04 1,044.89 0.85 6.64 0.55 1.3923,973.34 75,074.28 0.86 2.69 3.70 50.00
911.84 0.80 5.80 0.73 1.78
1,500.00 13,645 120,115 8.33 73.33
51,100.94 0.62 1.83 3.70 46.30 126.181,000.00 13,495 106,470 8.24 65.00 17,210.49
260.23 785.66 1.65 4.99 2.26 2.3211,528.18 33,890.45 0.41 1.21 7.41 42.59
525.43 1.76 3.34 2.48 2.35
750.00 13,117 92,975 8.01 56.76
22,362.27 0.40 0.80 24.07 35.19 277.11500.00 19,042 79,858 11.63 48.75 11,162.85
56.98 248.31 0.36 1.58 1.18 2.224,841.04 11,199.43 0.17 0.40 4.63 11.11
191.33 0.87 1.22 3.26 3.01
300.00 13,339 60,816 8.14 37.13
6,358.39 0.15 0.23 4.63 6.48 137.53
0.34 0.34 3.64 2.52
200.00 18,838 47,477 11.50 28.99 4,222.29
0.05 0.08 1.85 1.85 53.80 53.80
0.00 0.00 0.00
100.00 12,460 28,639 7.61 17.48 1,478.49 2,136.10
0.02 0.00 0.00 0.00 0.00 0.00
(t) (u)
50.00 16,179 16,179 9.88 9.88 657.61 657.61 0.02
(n) (o) (p) (q) (r) (s)(h) (i) (j) (k) (l) (m)(b) (c) (d) (e) (f) (g)
rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d)
CUM
∑(f )rp BAND
(m)/∑(m)
FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
PERCENTAGE
CUM
∑(n)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2011
BAND
F PERCENTAGE Rp PERCENTAGE
OCCUPATION : ALLPROCESSING DATE 13/08/2013
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
36
:
(a)
1 0.00 1 1
2 50.00 1 2
3 100.00 2 4
4 200.00 1 5
5 300.00 5 10
6 500.00 3 13
7 750.00 4 17
8 1,000.00 4 21
9 1,500.00 3 24
10 2,000.00 5 29
11 2,500.00 2 31
12 3,000.00 3 34
13 4,000.00 2 36
14 5,000.00 1 37
15 7,500.00 2 39
16 10,000.00 1 40
17 20,000.00 4 44
18 50,000.00 6 50
19 100,000.00 4 54
20 500,000.00 4 58 2.052,083,883.25 51.39 100.00 6.90 100.00UP 429 164,479 0.26 100.00 1,070,954.95
6,770.42 8.62 15.85 0.85 0.67
35,933.45 42,703.87 84.15 100.00 3.36
1,012,928.30 20.83 48.61 6.90 93.10 3,680.92500,000.0
0
1,693 164,050 1.03 99.74 434,005.36
236.79 3,089.50 0.55 7.23 0.16 0.53146,523.93 578,922.94 7.03 27.78 10.34 86.21
2,852.71 0.37 6.68 0.11 0.66
100,000.0
0
1,584 162,357 0.96 98.71
432,399.01 6.82 20.75 6.90 75.86 158.6350,000.00 3,348 160,773 2.04 97.75 142,207.18
76.77 2,694.08 0.18 6.31 0.10 0.9377,513.59 290,191.83 3.72 13.93 1.72 68.97
2,617.31 0.03 6.13 0.04 1.23
20,000.00 3,894 157,425 2.37 95.71
212,678.25 1.45 10.21 3.45 67.24 12.6910,000.00 2,434 153,531 1.48 93.34 30,161.14
3.72 2,604.62 0.01 6.10 0.01 1.4331,773.08 182,517.11 1.52 8.76 1.72 63.79
2,600.90 0.51 6.09 1.22 1.73
7,500.00 3,772 151,097 2.29 91.86
150,744.03 0.85 7.23 3.45 62.07 216.565,000.00 2,799 147,325 1.70 89.57 17,799.07
139.58 2,384.34 0.33 5.58 0.71 1.7919,529.71 132,944.96 0.94 6.38 5.17 58.62
2,244.75 0.78 5.26 2.67 1.98
4,000.00 3,984 144,526 2.42 87.87
113,415.25 0.59 5.44 3.45 53.45 331.243,000.00 3,257 140,542 1.98 85.45 12,392.56
83.01 1,913.52 0.19 4.48 0.63 1.8913,225.44 101,022.69 0.63 4.85 8.62 50.00
1,830.51 2.08 4.29 5.45 2.08
2,500.00 4,211 137,285 2.56 83.47
87,797.25 0.78 4.21 5.17 41.38 886.822,000.00 6,562 133,074 3.99 80.91 16,264.56
458.65 943.69 1.07 2.21 2.49 1.3218,429.64 71,532.68 0.88 3.43 6.90 36.21
485.04 0.30 1.14 0.74 0.91
1,500.00 10,773 126,512 6.55 76.92
53,103.04 0.83 2.55 6.90 29.31 127.641,000.00 14,443 115,739 8.78 70.37 17,287.07
224.71 357.40 0.53 0.84 1.61 1.0013,920.48 35,815.97 0.67 1.72 5.17 22.41
132.68 0.18 0.31 0.75 0.61
750.00 15,921 101,296 9.68 61.59
21,895.49 0.50 1.05 8.62 17.24 78.46500.00 18,133 85,375 11.02 51.91 10,517.38
15.00 54.22 0.04 0.13 0.32 0.484,661.86 11,378.12 0.22 0.55 1.72 8.62
39.22 0.07 0.09 0.64 0.58
300.00 12,895 67,242 7.84 40.88
6,716.26 0.21 0.32 3.45 6.90 27.92
0.03 0.03 0.66 0.48
200.00 20,019 54,347 12.17 33.04 4,340.67
0.08 0.11 1.72 3.45 11.00 11.30
0.00 0.04 0.04
100.00 14,510 34,328 8.82 20.87 1,676.23 2,375.59
0.03 1.72 1.72 0.30 0.30 0.00
(t) (u)
50.00 19,818 19,818 12.05 12.05 699.36 699.36 0.03
(n) (o) (p) (q) (r) (s)(h) (i) (j) (k) (l) (m)(b) (c) (d) (e) (f) (g)
rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp BAND
(m)/∑(m
)
FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
PERCENTAGE
CUM
∑(n)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2010
BAND
F PERCENTAGE Rp PERCENTAGE
OCCUPATION : ALLPROCESSING DATE 13/08/2013
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
37
:
(a)
1 0.00 84 84
2 50.00 140 224
3 100.00 298 522
4 200.00 227 749
5 300.00 319 1,068
6 500.00 169 1,237
7 750.00 145 1,382
8 1,000.00 83 1,465
9 1,500.00 64 1,529
10 2,000.00 32 1,561
11 2,500.00 25 1,586
12 3,000.00 35 1,621
13 4,000.00 20 1,641
14 5,000.00 36 1,677
15 7,500.00 39 1,716
16 10,000.00 51 1,767
17 20,000.00 33 1,800
18 50,000.00 15 1,815
19 100,000.00 36 1,851
20 500,000.00 16 1,867
OCCUPATION : ALLPROCESSING DATE 13/08/2013
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2009
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u)
50.00 17,836 17,836 13.69 13.69 591.05 591.05 0.03 0.03 4.50 4.50 2,310.58 2,310.58 0.24 0.24 390.93 390.93
100.00 9,472 27,308 7.27 20.95 1,012.88 1,603.93 0.06 0.09 7.50 12.00 3,666.27 5,976.85 0.37 0.61 361.97 372.64
200.00 13,795 41,103 10.59 31.54 2,756.03 4,359.96 0.16 0.25 15.96 27.96 8,942.34 14,919.18 0.91 1.52 324.46 342.19
300.00 9,757 50,860 7.49 39.03 3,139.73 7,499.69 0.18 0.42 12.16 40.12 12,832.75 27,751.93 1.31 2.83 408.72 370.04
500.00 14,557 65,417 11.17 50.20 7,484.35 14,984.05 0.42 0.85 17.09 57.20 38,638.94 66,390.88 3.94 6.77 516.26 443.08
750.00 12,438 77,855 9.54 59.74 10,048.15 25,032.20 0.57 1.41 9.05 66.26 32,335.95 98,726.83 3.30 10.07 321.81 394.40
1,000.00 11,479 89,334 8.81 68.55 12,827.12 37,859.32 0.72 2.14 7.77 74.02 20,257.24 118,984.07 2.07 12.14 157.93 314.28
1,500.00 8,838 98,172 6.78 75.33 13,550.19 51,409.50 0.77 2.90 4.45 78.47 19,842.96 138,827.02 2.02 14.16 146.44 270.04
2,000.00 5,402 103,574 4.15 79.48 11,588.98 62,998.48 0.65 3.56 3.43 81.90 22,752.72 161,579.75 2.32 16.48 196.33 256.48
2,500.00 3,085 106,659 2.37 81.85 8,348.86 71,347.34 0.47 4.03 1.71 83.61 21,120.06 182,699.81 2.15 18.64 252.97 256.07
3,000.00 2,611 109,270 2.00 83.85 8,619.01 79,966.35 0.49 4.51 1.34 84.95 7,930.69 190,630.50 0.81 19.44 92.01 238.39
4,000.00 3,204 112,474 2.46 86.31 13,396.05 93,362.40 0.76 5.27 1.87 86.82 16,357.99 206,988.49 1.67 21.11 122.11 221.70
5,000.00 2,286 114,760 1.75 88.06 12,400.45 105,762.85 0.70 5.97 1.07 87.90 9,672.80 216,661.29 0.99 22.10 78.00 204.86
7,500.00 3,179 117,939 2.44 90.50 23,772.38 129,535.23 1.34 7.31 1.93 89.82 13,098.36 229,759.65 1.34 23.44 55.10 177.37
10,000.00 2,133 120,072 1.64 92.14 22,549.07 152,084.30 1.27 8.59 2.09 91.91 35,479.35 265,238.99 3.62 27.06 157.34 174.40
20,000.00 3,536 123,608 2.71 94.85 61,674.92 213,759.22 3.48 12.07 2.73 94.64 124,961.03 390,200.02 12.75 39.80 202.61 182.54
50,000.00 3,234 126,842 2.48 97.33 114,281.87 328,041.09 6.45 18.52 1.77 96.41 114,958.45 505,158.47 11.73 51.53 100.59 153.99
100,000.0
0
1,493 128,335 1.15 98.48 111,383.47 439,424.56 6.29 24.81 0.80 97.21 10,543.95 515,702.42 1.08 52.60 9.47 117.36
500,000.0
0
1,578 129,913 1.21 99.69 371,096.28 810,520.84 20.95 45.76 1.93 99.14 133,865.92 649,568.34 13.65 66.26 36.07 80.14
330,798.74UP 405 130,318 0.31 100.00 960,661.61 980,367.08 33.74 100.00 34.43 55.351,771,182.45 54.24 100.00 0.86 100.00
38
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 0 0
13 4,000.00 0 0
14 5,000.00 0 0
15 7,500.00 0 0
16 10,000.00 0 0
17 20,000.00 0 0
18 50,000.00 0 0
19 100,000.00 0 0
20 500,000.00 0 0
OCCUPATION : AGRICULTURAL PROCESSING DATE 13/08/2013
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2013
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d)
CUM
∑(f )rp BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u)
50.00 2 2 4.55 4.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
100.00 0 2 0.00 4.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
200.00 2 4 4.55 9.09 0.53 0.53 0.04 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
300.00 3 7 6.82 15.91 1.60 2.13 0.13 0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
500.00 4 11 9.09 25.00 2.49 4.62 0.21 0.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
750.00 1 12 2.27 27.27 1.69 6.31 0.14 0.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1,000.00 2 14 4.55 31.82 2.54 8.85 0.21 0.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1,500.00 1 15 2.27 34.09 3.12 11.97 0.26 0.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,000.00 2 17 4.55 38.64 4.48 16.44 0.37 1.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,500.00 1 18 2.27 40.91 2.73 19.17 0.23 1.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3,000.00 1 19 2.27 43.18 4.84 24.02 0.40 1.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4,000.00 2 21 4.55 47.73 10.87 34.89 0.90 2.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5,000.00 0 21 0.00 47.73 0.00 34.89 0.00 2.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7,500.00 5 26 11.36 59.09 40.95 75.84 3.39 6.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10,000.00 3 29 6.82 65.91 36.20 112.04 3.00 9.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20,000.00 3 32 6.82 72.73 77.35 189.39 6.41 15.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
50,000.00 5 37 11.36 84.09 224.45 413.84 18.60 34.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
100,000.0
0
4 41 9.09 93.18 256.58 670.42 21.27 55.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
500,000.0
0
3 44 6.82 100.00 536.03 1,206.45 44.43 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00UP 0 44 0.00 100.00 0.00 0.00 0.00 0.00 0.00 0.001,206.45 0.00 100.00 0.00 0.00
39
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 0 0
13 4,000.00 0 0
14 5,000.00 0 0
15 7,500.00 0 0
16 10,000.00 0 0
17 20,000.00 0 0
18 50,000.00 0 0
19 100,000.00 0 0
20 500,000.00 0 0
OCCUPATION : COMMERCIAL PROCESSING DATE 13/08/2013
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2013
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d)
CUM
∑(f )rp BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u)
50.00 397 397 2.28 2.28 24.51 24.51 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
100.00 923 1,320 5.31 7.59 99.20 123.72 0.07 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
200.00 1,172 2,492 6.74 14.33 269.96 393.67 0.20 0.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
300.00 1,211 3,703 6.97 21.30 460.32 854.00 0.35 0.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
500.00 2,095 5,798 12.05 33.35 1,257.18 2,111.18 0.94 1.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
750.00 2,560 8,358 14.73 48.08 2,271.24 4,382.41 1.71 3.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1,000.00 1,704 10,062 9.80 57.88 2,166.92 6,549.33 1.63 4.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1,500.00 1,537 11,599 8.84 66.72 2,874.37 9,423.70 2.16 7.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,000.00 1,079 12,678 6.21 72.92 2,815.90 12,239.60 2.11 9.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,500.00 665 13,343 3.83 76.75 2,181.49 14,421.09 1.64 10.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3,000.00 534 13,877 3.07 79.82 2,182.23 16,603.32 1.64 12.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4,000.00 657 14,534 3.78 83.60 3,317.67 19,920.99 2.49 14.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5,000.00 544 15,078 3.13 86.73 3,524.27 23,445.27 2.65 17.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7,500.00 664 15,742 3.82 90.55 5,797.47 29,242.74 4.35 21.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10,000.00 408 16,150 2.35 92.90 5,113.76 34,356.50 3.84 25.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20,000.00 509 16,659 2.93 95.82 10,153.38 44,509.88 7.63 33.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
50,000.00 397 17,056 2.28 98.11 17,973.12 62,483.00 13.50 46.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
100,000.0
0
180 17,236 1.04 99.14 17,941.73 80,424.73 13.47 60.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
500,000.0
0
136 17,372 0.78 99.93 37,556.42 117,981.15 28.21 88.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00UP 13 17,385 0.07 100.00 15,169.02 0.00 0.00 0.00 0.00 0.00133,150.17 11.39 100.00 0.00 0.00
40
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 0 0
13 4,000.00 0 0
14 5,000.00 0 0
15 7,500.00 0 0
16 10,000.00 0 0
17 20,000.00 0 0
18 50,000.00 0 0
19 100,000.00 0 0
20 500,000.00 0 0
OCCUPATION : INDUSTRIAL PROCESSING DATE 13/08/2013
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2013
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d)
CUM
∑(f )rp BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u)
50.00 180 180 5.40 5.40 5.23 5.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
100.00 54 234 1.62 7.02 6.04 11.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
200.00 102 336 3.06 10.08 23.30 34.56 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
300.00 93 429 2.79 12.88 35.91 70.48 0.01 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
500.00 128 557 3.84 16.72 76.42 146.90 0.03 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
750.00 126 683 3.78 20.50 116.09 262.99 0.04 0.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1,000.00 108 791 3.24 23.74 137.75 400.74 0.05 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1,500.00 198 989 5.94 29.68 347.19 747.93 0.13 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,000.00 171 1,160 5.13 34.81 441.27 1,189.20 0.17 0.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,500.00 113 1,273 3.39 38.21 372.07 1,561.27 0.14 0.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3,000.00 120 1,393 3.60 41.81 476.89 2,038.16 0.18 0.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4,000.00 138 1,531 4.14 45.95 683.85 2,722.01 0.26 1.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5,000.00 135 1,666 4.05 50.00 839.38 3,561.38 0.32 1.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7,500.00 246 1,912 7.38 57.38 2,110.48 5,671.87 0.82 2.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10,000.00 168 2,080 5.04 62.42 2,128.21 7,800.08 0.82 3.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20,000.00 361 2,441 10.83 73.26 7,201.48 15,001.56 2.78 5.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
50,000.00 368 2,809 11.04 84.30 16,655.68 31,657.24 6.44 12.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
100,000.0
0
221 3,030 6.63 90.94 21,961.73 53,618.97 8.49 20.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
500,000.0
0
239 3,269 7.17 98.11 74,802.43 128,421.40 28.92 49.66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00UP 63 3,332 1.89 100.00 130,196.69 0.00 0.00 0.00 0.00 0.00258,618.09 50.34 100.00 0.00 0.00
41
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 0 0
13 4,000.00 0 0
14 5,000.00 0 0
15 7,500.00 0 0
16 10,000.00 0 0
17 20,000.00 0 0
18 50,000.00 0 0
19 100,000.00 0 0
20 500,000.00 0 0
OCCUPATION : RESIDENTIAL PROCESSING DATE 13/08/2013
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2013
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d)
CUM
∑(f )rp BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p
)(b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u)
50.00 375 375 2.84 2.84 13.96 13.96 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
100.00 608 983 4.61 7.45 72.82 86.78 0.10 0.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
200.00 1,831 2,814 13.88 21.32 416.20 502.98 0.57 0.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
300.00 1,485 4,299 11.25 32.58 542.59 1,045.57 0.74 1.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
500.00 2,165 6,464 16.41 48.98 1,248.71 2,294.28 1.70 3.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
750.00 1,461 7,925 11.07 60.06 1,274.13 3,568.41 1.73 4.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1,000.00 1,203 9,128 9.12 69.17 1,483.49 5,051.91 2.02 6.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1,500.00 1,198 10,326 9.08 78.25 2,100.02 7,151.92 2.86 9.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,000.00 642 10,968 4.87 83.12 1,584.85 8,736.77 2.16 11.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,500.00 414 11,382 3.14 86.25 1,316.53 10,053.30 1.79 13.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3,000.00 291 11,673 2.21 88.46 1,131.51 11,184.81 1.54 15.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4,000.00 371 12,044 2.81 91.27 1,805.80 12,990.61 2.46 17.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5,000.00 253 12,297 1.92 93.19 1,606.82 14,597.43 2.19 19.87 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7,500.00 311 12,608 2.36 95.54 2,527.08 17,124.52 3.44 23.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10,000.00 160 12,768 1.21 96.76 1,965.28 19,089.80 2.68 25.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20,000.00 202 12,970 1.53 98.29 4,152.48 23,242.28 5.65 31.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
50,000.00 88 13,058 0.67 98.95 4,261.04 27,503.32 5.80 37.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
100,000.0
0
56 13,114 0.42 99.38 5,785.28 33,288.60 7.87 45.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
500,000.0
0
68 13,182 0.52 99.89 20,657.74 53,946.34 28.12 73.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00UP 14 13,196 0.11 100.00 19,520.58 0.00 0.00 0.00 0.00 0.0073,466.92 26.57 100.00 0.00 0.00
42
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 0 0
13 4,000.00 0 0
14 5,000.00 0 0
15 7,500.00 0 0
16 10,000.00 0 0
17 20,000.00 0 0
18 50,000.00 0 0
19 100,000.00 0 0
20 500,000.00 0 0 0.00 0.00 0.00 0.00 0.0028,118.49 30.48 100.00 0.00 0.00 0.00UP 6 414 1.45 100.00 8,569.63
0.00 0.00 0.00 0.00 0.00 0.0011,392.52 19,548.86 40.52 69.52 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500,000.0
0
48 408 11.59 98.55
8,156.34 15.21 29.01 0.00 0.00 0.00100,000.0
0
48 360 11.59 86.96 4,277.31
0.00 0.00 0.00 0.00 0.00 0.002,497.96 3,879.03 8.88 13.80 0.00 0.00
0.00 0.00 0.00 0.00 0.00
50,000.00 58 312 14.01 75.36
1,381.07 1.84 4.91 0.00 0.00 0.0020,000.00 28 254 6.76 61.35 518.24
0.00 0.00 0.00 0.00 0.00 0.00247.42 862.83 0.88 3.07 0.00 0.00
0.00 0.00 0.00 0.00 0.00
10,000.00 21 226 5.07 54.59
615.41 0.84 2.19 0.00 0.00 0.007,500.00 30 205 7.25 49.52 237.28
0.00 0.00 0.00 0.00 0.00 0.0078.90 378.13 0.28 1.34 0.00 0.00
0.00 0.00 0.00 0.00 0.00
5,000.00 13 175 3.14 42.27
299.22 0.25 1.06 0.00 0.00 0.004,000.00 18 162 4.35 39.13 71.42
0.00 0.00 0.00 0.00 0.00 0.0063.26 227.81 0.22 0.81 0.00 0.00
0.00 0.00 0.00 0.00 0.00
3,000.00 17 144 4.11 34.78
164.55 0.13 0.59 0.00 0.00 0.002,500.00 11 127 2.66 30.68 35.38
0.00 0.00 0.00 0.00 0.00 0.0052.44 129.16 0.19 0.46 0.00 0.00
0.00 0.00 0.00 0.00 0.00
2,000.00 23 116 5.56 28.02
76.72 0.09 0.27 0.00 0.00 0.001,500.00 16 93 3.86 22.46 25.24
0.00 0.00 0.00 0.00 0.00 0.0010.12 51.48 0.04 0.18 0.00 0.00
0.00 0.00 0.00 0.00 0.00
1,000.00 9 77 2.17 18.60
41.36 0.10 0.15 0.00 0.00 0.00750.00 31 68 7.49 16.43 27.22
0.00 0.00 0.00 0.00 0.00 0.009.31 14.14 0.03 0.05 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500.00 18 37 4.35 8.94
4.83 0.01 0.02 0.00 0.00 0.00300.00 9 19 2.17 4.59 3.20
0.00 0.00 0.00 0.00 0.00 0.001.07 1.64 0.00 0.01 0.00 0.00
0.00 0.00 0.00 0.00 0.00
200.00 4 10 0.97 2.42
0.57 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 3 6 0.72 1.45 0.40
0.00 0.00 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 3 3 0.72 0.72 0.17 0.17
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m
)
CU
M
∑(n)
rp BAND
(q)/∑(q)
CU
M
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2012
OCCUPATION : AGRICULTURAL PROCESSING DATE 13/08/2013
43
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 1 1
6 500.00 0 1
7 750.00 0 1
8 1,000.00 0 1
9 1,500.00 2 3
10 2,000.00 1 4
11 2,500.00 0 4
12 3,000.00 0 4
13 4,000.00 0 4
14 5,000.00 1 5
15 7,500.00 0 5
16 10,000.00 3 8
17 20,000.00 0 8
18 50,000.00 0 8
19 100,000.00 1 9
20 500,000.00 0 9 1,165.43 0.00 100.00 0.00 0.20592,338.74 24.52 100.00 0.00 100.00 0.00UP 84 81,011 0.10 100.00 145,241.91
4.14 1,165.43 0.35 100.00 0.00 0.26133,414.88 447,096.82 22.52 75.48 11.11 100.00
1,161.30 0.00 99.65 0.00 0.37
500,000.0
0
492 80,927 0.61 99.90
313,681.94 11.42 52.96 0.00 88.89 0.00100,000.0
0
729 80,435 0.90 99.29 67,665.78
0.00 1,161.30 0.00 99.65 0.00 0.4772,708.43 246,016.17 12.27 41.53 0.00 88.89
1,161.30 39.72 99.65 1.01 0.67
50,000.00 1,706 79,706 2.11 98.39
173,307.74 7.75 29.26 33.33 88.89 462.9420,000.00 2,333 78,000 2.88 96.28 45,926.00
0.00 698.36 0.00 59.92 0.00 0.5519,122.83 127,381.74 3.23 21.50 0.00 55.56
698.36 4.84 59.92 0.27 0.65
10,000.00 1,532 75,667 1.89 93.40
108,258.91 3.48 18.28 11.11 55.56 56.387,500.00 2,378 74,135 2.94 91.51 20,622.10
0.00 641.97 0.00 55.08 0.00 0.7311,873.49 87,636.81 2.00 14.80 0.00 44.44
641.97 0.00 55.08 0.00 0.85
5,000.00 1,810 71,757 2.23 88.58
75,763.32 2.16 12.79 0.00 44.44 0.004,000.00 2,536 69,947 3.13 86.34 12,806.61
0.00 641.97 0.00 55.08 0.00 1.028,180.99 62,956.71 1.38 10.63 0.00 44.44
641.97 5.35 55.08 0.75 1.17
3,000.00 2,040 67,411 2.52 83.21
54,775.73 1.40 9.25 11.11 44.44 62.332,500.00 2,538 65,371 3.13 80.69 8,291.28
529.64 579.64 45.45 49.74 5.04 1.2510,506.96 46,484.44 1.77 7.85 22.22 33.33
50.00 0.00 4.29 0.00 0.14
2,000.00 4,065 62,833 5.02 77.56
35,977.48 1.84 6.07 0.00 11.11 0.001,500.00 5,958 58,768 7.35 72.54 10,900.44
0.00 50.00 0.00 4.29 0.00 0.208,212.02 25,077.04 1.39 4.23 0.00 11.11
50.00 0.00 4.29 0.00 0.30
1,000.00 6,208 52,810 7.66 65.19
16,865.02 1.00 2.85 0.00 11.11 0.00750.00 6,517 46,602 8.04 57.53 5,928.57
50.00 50.00 4.29 4.29 0.92 0.465,434.76 10,936.45 0.92 1.85 11.11 11.11
0.00 0.00 0.00 0.00 0.00
500.00 8,930 40,085 11.02 49.48
5,501.70 0.38 0.93 0.00 0.00 0.00300.00 5,978 31,155 7.38 38.46 2,265.43
0.00 0.00 0.00 0.00 0.00 0.001,982.52 3,236.26 0.33 0.55 0.00 0.00
0.00 0.00 0.00 0.00 0.00
200.00 8,979 25,177 11.08 31.08
1,253.74 0.15 0.21 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 7,718 16,198 9.53 19.99 895.44
0.06 0.06 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 8,480 8,480 10.47 10.47 358.30 358.30
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2012
OCCUPATION : COMMERCIAL PROCESSING DATE 13/08/2013
44
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 0 0
13 4,000.00 0 0
14 5,000.00 0 0
15 7,500.00 0 0
16 10,000.00 0 0
17 20,000.00 0 0
18 50,000.00 0 0
19 100,000.00 0 0
20 500,000.00 0 0 0.00 0.00 0.00 0.00 0.001,592,811.88 65.75 100.00 0.00 0.00 0.00UP 377 15,679 2.40 100.00 1,047,194.79
0.00 0.00 0.00 0.00 0.00 0.00321,632.47 545,617.08 20.19 34.25 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500,000.0
0
1,129 15,302 7.20 97.60
223,984.61 5.79 14.06 0.00 0.00 0.00100,000.0
0
951 14,173 6.07 90.39 92,288.20
0.00 0.00 0.00 0.00 0.00 0.0068,675.96 131,696.41 4.31 8.27 0.00 0.00
0.00 0.00 0.00 0.00 0.00
50,000.00 1,580 13,222 10.08 84.33
63,020.45 1.78 3.96 0.00 0.00 0.0020,000.00 1,426 11,642 9.09 74.25 28,309.40
0.00 0.00 0.00 0.00 0.00 0.009,318.22 34,711.05 0.59 2.18 0.00 0.00
0.00 0.00 0.00 0.00 0.00
10,000.00 750 10,216 4.78 65.16
25,392.83 0.54 1.59 0.00 0.00 0.007,500.00 1,001 9,466 6.38 60.37 8,570.61
0.00 0.00 0.00 0.00 0.00 0.003,701.73 16,822.22 0.23 1.06 0.00 0.00
0.00 0.00 0.00 0.00 0.00
5,000.00 574 8,465 3.66 53.99
13,120.49 0.23 0.82 0.00 0.00 0.004,000.00 724 7,891 4.62 50.33 3,636.28
0.00 0.00 0.00 0.00 0.00 0.002,027.62 9,484.21 0.13 0.60 0.00 0.00
0.00 0.00 0.00 0.00 0.00
3,000.00 501 7,167 3.20 45.71
7,456.60 0.11 0.47 0.00 0.00 0.002,500.00 556 6,666 3.55 42.52 1,748.72
0.00 0.00 0.00 0.00 0.00 0.001,683.51 5,707.88 0.11 0.36 0.00 0.00
0.00 0.00 0.00 0.00 0.00
2,000.00 669 6,110 4.27 38.97
4,024.37 0.11 0.25 0.00 0.00 0.001,500.00 929 5,441 5.93 34.70 1,724.16
0.00 0.00 0.00 0.00 0.00 0.00824.18 2,300.21 0.05 0.14 0.00 0.00
0.00 0.00 0.00 0.00 0.00
1,000.00 626 4,512 3.99 28.78
1,476.03 0.04 0.09 0.00 0.00 0.00750.00 675 3,886 4.31 24.78 597.03
0.00 0.00 0.00 0.00 0.00 0.00444.72 879.00 0.03 0.06 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500.00 740 3,211 4.72 20.48
434.29 0.01 0.03 0.00 0.00 0.00300.00 595 2,471 3.79 15.76 220.05
0.00 0.00 0.00 0.00 0.00 0.00141.01 214.24 0.01 0.01 0.00 0.00
0.00 0.00 0.00 0.00 0.00
200.00 625 1,876 3.99 11.97
73.23 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 392 1,251 2.50 7.98 42.93
0.00 0.00 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 859 859 5.48 5.48 30.29 30.29
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CU
M
∑(n)
rp BAND
(q)/∑(q)
CU
M
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2012
OCCUPATION : INDUSTRIAL PROCESSING DATE 13/08/2013
45
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 1 1
9 1,500.00 0 1
10 2,000.00 0 1
11 2,500.00 0 1
12 3,000.00 0 1
13 4,000.00 0 1
14 5,000.00 0 1
15 7,500.00 0 1
16 10,000.00 1 2
17 20,000.00 0 2
18 50,000.00 0 2
19 100,000.00 0 2
20 500,000.00 0 2 150.00 0.00 100.00 0.00 0.05333,057.86 36.28 100.00 0.00 100.00 0.00UP 41 58,687 0.07 100.00 120,817.17
0.00 150.00 0.00 100.00 0.00 0.0781,997.75 212,240.68 24.62 63.72 0.00 100.00
150.00 0.00 100.00 0.00 0.12
500,000.0
0
259 58,646 0.44 99.93
130,242.93 6.36 39.11 0.00 100.00 0.00100,000.0
0
207 58,387 0.35 99.49 21,171.32
0.00 150.00 0.00 100.00 0.00 0.1420,779.94 109,071.61 6.24 32.75 0.00 100.00
150.00 66.67 100.00 0.60 0.17
50,000.00 473 58,180 0.81 99.14
88,291.68 5.03 26.51 50.00 100.00 100.0020,000.00 857 57,707 1.46 98.33 16,747.86
0.00 50.00 0.00 33.33 0.00 0.077,679.03 71,543.81 2.31 21.48 0.00 50.00
50.00 0.00 33.33 0.00 0.08
10,000.00 645 56,850 1.10 96.87
63,864.79 2.78 19.18 0.00 50.00 0.007,500.00 1,132 56,205 1.93 95.77 9,270.38
0.00 50.00 0.00 33.33 0.00 0.095,488.74 54,594.41 1.65 16.39 0.00 50.00
50.00 0.00 33.33 0.00 0.10
5,000.00 871 55,073 1.48 93.84
49,105.66 1.95 14.74 0.00 50.00 0.004,000.00 1,358 54,202 2.31 92.36 6,504.74
0.00 50.00 0.00 33.33 0.00 0.124,512.33 42,600.92 1.35 12.79 0.00 50.00
50.00 0.00 33.33 0.00 0.13
3,000.00 1,181 52,844 2.01 90.04
38,088.59 1.38 11.44 0.00 50.00 0.002,500.00 1,495 51,663 2.55 88.03 4,581.25
0.00 50.00 0.00 33.33 0.00 0.155,962.24 33,507.34 1.79 10.06 0.00 50.00
50.00 33.33 33.33 0.67 0.18
2,000.00 2,461 50,168 4.19 85.48
27,545.10 2.23 8.27 50.00 50.00 50.001,500.00 4,336 47,707 7.39 81.29 7,429.53
0.00 0.00 0.00 0.00 0.00 0.005,617.61 20,115.57 1.69 6.04 0.00 0.00
0.00 0.00 0.00 0.00 0.00
1,000.00 4,591 43,371 7.82 73.90
14,497.97 1.45 4.35 0.00 0.00 0.00750.00 5,581 38,780 9.51 66.08 4,814.64
0.00 0.00 0.00 0.00 0.00 0.004,936.51 9,683.32 1.48 2.91 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500.00 8,577 33,199 14.61 56.57
4,746.81 0.69 1.43 0.00 0.00 0.00300.00 6,353 24,622 10.83 41.95 2,294.39
0.00 0.00 0.00 0.00 0.00 0.001,820.85 2,452.42 0.55 0.74 0.00 0.00
0.00 0.00 0.00 0.00 0.00
200.00 8,336 18,269 14.20 31.13
631.56 0.14 0.19 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 4,197 9,933 7.15 16.93 468.28
0.05 0.05 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 5,736 5,736 9.77 9.77 163.29 163.29
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2012
OCCUPATION : RESIDENTIAL PROCESSING DATE 13/08/2013
46
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 0 0
13 4,000.00 0 0
14 5,000.00 0 0
15 7,500.00 0 0
16 10,000.00 0 0
17 20,000.00 0 0
18 50,000.00 0 0
19 100,000.00 0 0
20 500,000.00 0 0 0.00 0.00 0.00 0.00 0.0023,250.84 34.00 100.00 0.00 0.00 0.00UP 7 379 1.85 100.00 7,904.59
0.00 0.00 0.00 0.00 0.00 0.007,032.53 15,346.25 30.25 66.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500,000.0
0
40 372 10.55 98.15
8,313.72 19.44 35.76 0.00 0.00 0.00100,000.0
0
47 332 12.40 87.60 4,519.26
0.00 0.00 0.00 0.00 0.00 0.002,541.13 3,794.46 10.93 16.32 0.00 0.00
0.00 0.00 0.00 0.00 0.00
50,000.00 63 285 16.62 75.20
1,253.33 2.27 5.39 0.00 0.00 0.0020,000.00 32 222 8.44 58.58 526.76
0.00 0.00 0.00 0.00 0.00 0.00247.82 726.57 1.07 3.12 0.00 0.00
0.00 0.00 0.00 0.00 0.00
10,000.00 23 190 6.07 50.13
478.74 0.67 2.06 0.00 0.00 0.007,500.00 20 167 5.28 44.06 155.53
0.00 0.00 0.00 0.00 0.00 0.0050.23 323.22 0.22 1.39 0.00 0.00
0.00 0.00 0.00 0.00 0.00
5,000.00 7 147 1.85 38.79
272.99 0.29 1.17 0.00 0.00 0.004,000.00 14 140 3.69 36.94 68.58
0.00 0.00 0.00 0.00 0.00 0.0052.69 204.41 0.23 0.88 0.00 0.00
0.00 0.00 0.00 0.00 0.00
3,000.00 13 126 3.43 33.25
151.72 0.17 0.65 0.00 0.00 0.002,500.00 12 113 3.17 29.82 39.27
0.00 0.00 0.00 0.00 0.00 0.0033.63 112.45 0.14 0.48 0.00 0.00
0.00 0.00 0.00 0.00 0.00
2,000.00 15 101 3.96 26.65
78.83 0.18 0.34 0.00 0.00 0.001,500.00 26 86 6.86 22.69 42.69
0.00 0.00 0.00 0.00 0.00 0.006.32 36.14 0.03 0.16 0.00 0.00
0.00 0.00 0.00 0.00 0.00
1,000.00 6 60 1.58 15.83
29.82 0.06 0.13 0.00 0.00 0.00750.00 16 54 4.22 14.25 14.86
0.00 0.00 0.00 0.00 0.00 0.007.00 14.95 0.03 0.06 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500.00 10 38 2.64 10.03
7.95 0.02 0.03 0.00 0.00 0.00300.00 8 28 2.11 7.39 3.83
0.00 0.00 0.00 0.00 0.00 0.002.85 4.13 0.01 0.02 0.00 0.00
0.00 0.00 0.00 0.00 0.00
200.00 10 20 2.64 5.28
1.28 0.00 0.01 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 5 10 1.32 2.64 0.94
0.00 0.00 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 5 5 1.32 1.32 0.33 0.33
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p
)(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CU
M
∑(n)
rp BAND
(q)/∑(q)
CU
M
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2011
OCCUPATION : AGRICULTURAL PROCESSING DATE 13/08/2013
47
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 2 2
4 200.00 2 4
5 300.00 16 20
6 500.00 4 24
7 750.00 2 26
8 1,000.00 2 28
9 1,500.00 4 32
10 2,000.00 3 35
11 2,500.00 2 37
12 3,000.00 3 40
13 4,000.00 3 43
14 5,000.00 7 50
15 7,500.00 3 53
16 10,000.00 4 57
17 20,000.00 7 64
18 50,000.00 4 68
19 100,000.00 6 74
20 500,000.00 0 74 14,845.43 0.00 100.00 0.00 2.02735,109.14 43.00 100.00 0.00 100.00 0.00UP 71 89,622 0.08 100.00 316,062.89
6,051.93 14,845.43 40.77 100.00 5.47 3.54110,556.26 419,046.24 15.04 57.00 8.11 100.00
8,793.50 10.08 59.23 2.49 2.85
500,000.0
0
420 89,551 0.47 99.92
308,489.98 8.17 41.97 5.41 91.89 1,496.27100,000.0
0
619 89,131 0.69 99.45 60,063.12
1,352.39 7,297.24 9.11 49.15 1.91 2.9470,668.75 248,426.87 9.61 33.79 9.46 86.49
5,944.84 4.69 40.04 1.58 3.34
50,000.00 1,669 88,512 1.86 98.76
177,758.12 5.99 24.18 5.41 77.03 696.7620,000.00 2,295 86,843 2.56 96.90 44,012.72
238.02 5,248.08 1.60 35.35 1.29 3.9218,442.83 133,745.40 2.51 18.19 4.05 71.62
5,010.05 23.86 33.75 17.42 4.35
10,000.00 1,482 84,548 1.65 94.34
115,302.57 2.77 15.69 9.46 67.57 3,542.037,500.00 2,362 83,066 2.64 92.68 20,337.93
206.61 1,468.03 1.39 9.89 1.71 1.5512,090.37 94,964.64 1.64 12.92 4.05 58.11
1,261.42 0.71 8.50 0.83 1.52
5,000.00 1,854 80,704 2.07 90.05
82,874.27 1.72 11.27 4.05 54.05 104.874,000.00 2,558 78,850 2.85 87.98 12,677.97
179.63 1,156.55 1.21 7.79 2.27 1.657,926.26 70,196.30 1.08 9.55 2.70 50.00
976.92 1.27 6.58 2.26 1.57
3,000.00 1,969 76,292 2.20 85.13
62,270.04 1.14 8.47 4.05 47.30 189.222,500.00 2,587 74,323 2.89 82.93 8,366.85
373.42 787.70 2.52 5.31 3.51 1.4610,649.36 53,903.19 1.45 7.33 5.41 43.24
414.29 0.73 2.79 0.73 0.96
2,000.00 4,177 71,736 4.66 80.04
43,253.84 2.02 5.88 2.70 37.84 107.841,500.00 8,396 67,559 9.37 75.38 14,834.13
72.47 306.45 0.49 2.06 0.66 1.0810,950.68 28,419.71 1.49 3.87 2.70 35.14
233.98 0.92 1.58 2.27 1.34
1,000.00 8,349 59,163 9.32 66.01
17,469.03 0.82 2.38 5.41 32.43 136.19750.00 6,654 50,814 7.42 56.70 5,995.79
65.99 97.79 0.44 0.66 1.16 0.855,696.86 11,473.24 0.77 1.56 21.62 27.03
31.80 0.11 0.21 0.74 0.55
500.00 9,354 44,160 10.44 49.27
5,776.38 0.31 0.79 2.70 5.41 16.98300.00 6,135 34,806 6.85 38.84 2,282.40
14.82 14.82 0.10 0.10 0.70 0.422,105.30 3,493.98 0.29 0.48 2.70 2.70
0.00 0.00 0.00 0.00 0.00
200.00 9,213 28,671 10.28 31.99
1,388.68 0.12 0.19 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 7,517 19,458 8.39 21.71 894.59
0.07 0.07 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 11,941 11,941 13.32 13.32 494.09 494.09
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2011
OCCUPATION : COMMERCIAL PROCESSING DATE 13/08/2013
48
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 0 0
13 4,000.00 0 0
14 5,000.00 0 0
15 7,500.00 0 0
16 10,000.00 0 0
17 20,000.00 0 0
18 50,000.00 0 0
19 100,000.00 0 0
20 500,000.00 0 0 0.00 0.00 0.00 0.00 0.001,697,084.75 67.92 100.00 0.00 0.00 0.00UP 424 14,971 2.83 100.00 1,152,728.61
0.00 0.00 0.00 0.00 0.00 0.00328,318.35 544,356.14 19.35 32.08 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500,000.0
0
1,203 14,547 8.04 97.17
216,037.79 4.85 12.73 0.00 0.00 0.00100,000.0
0
919 13,344 6.14 89.13 82,322.09
0.00 0.00 0.00 0.00 0.00 0.0070,434.64 133,715.69 4.15 7.88 0.00 0.00
0.00 0.00 0.00 0.00 0.00
50,000.00 1,633 12,425 10.91 82.99
63,281.06 1.67 3.73 0.00 0.00 0.0020,000.00 1,423 10,792 9.51 72.09 28,315.20
0.00 0.00 0.00 0.00 0.00 0.009,531.50 34,965.85 0.56 2.06 0.00 0.00
0.00 0.00 0.00 0.00 0.00
10,000.00 762 9,369 5.09 62.58
25,434.36 0.49 1.50 0.00 0.00 0.007,500.00 953 8,607 6.37 57.49 8,273.33
0.00 0.00 0.00 0.00 0.00 0.003,772.85 17,161.03 0.22 1.01 0.00 0.00
0.00 0.00 0.00 0.00 0.00
5,000.00 592 7,654 3.95 51.13
13,388.18 0.21 0.79 0.00 0.00 0.004,000.00 734 7,062 4.90 47.17 3,576.40
0.00 0.00 0.00 0.00 0.00 0.002,027.02 9,811.78 0.12 0.58 0.00 0.00
0.00 0.00 0.00 0.00 0.00
3,000.00 470 6,328 3.14 42.27
7,784.76 0.11 0.46 0.00 0.00 0.002,500.00 543 5,858 3.63 39.13 1,791.25
0.00 0.00 0.00 0.00 0.00 0.001,909.39 5,993.51 0.11 0.35 0.00 0.00
0.00 0.00 0.00 0.00 0.00
2,000.00 707 5,315 4.72 35.50
4,084.12 0.11 0.24 0.00 0.00 0.001,500.00 954 4,608 6.37 30.78 1,830.54
0.00 0.00 0.00 0.00 0.00 0.00895.56 2,253.58 0.05 0.13 0.00 0.00
0.00 0.00 0.00 0.00 0.00
1,000.00 661 3,654 4.42 24.41
1,358.02 0.03 0.08 0.00 0.00 0.00750.00 582 2,993 3.89 19.99 578.26
0.00 0.00 0.00 0.00 0.00 0.00439.31 779.76 0.03 0.05 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500.00 685 2,411 4.58 16.10
340.45 0.01 0.02 0.00 0.00 0.00300.00 386 1,726 2.58 11.53 157.31
0.00 0.00 0.00 0.00 0.00 0.00130.99 183.14 0.01 0.01 0.00 0.00
0.00 0.00 0.00 0.00 0.00
200.00 552 1,340 3.69 8.95
52.15 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 287 788 1.92 5.26 35.75
0.00 0.00 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 501 501 3.35 3.35 16.39 16.39
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CU
M
∑(n)
rp BAND
(q)/∑(q)
CU
M
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2011
OCCUPATION : INDUSTRIAL PROCESSING DATE 13/08/2013
49
:
(a)
1 0.00 0 0
2 50.00 2 2
3 100.00 3 5
4 200.00 3 8
5 300.00 10 18
6 500.00 4 22
7 750.00 2 24
8 1,000.00 2 26
9 1,500.00 1 27
10 2,000.00 0 27
11 2,500.00 1 28
12 3,000.00 1 29
13 4,000.00 1 30
14 5,000.00 1 31
15 7,500.00 0 31
16 10,000.00 1 32
17 20,000.00 2 34
18 50,000.00 0 34
19 100,000.00 0 34
20 500,000.00 0 34 889.54 0.00 100.00 0.00 0.27334,242.89 36.56 100.00 0.00 100.00 0.00UP 43 58,826 0.07 100.00 122,186.57
0.00 889.54 0.00 100.00 0.00 0.4275,540.70 212,056.33 22.60 63.44 0.00 100.00
889.54 0.00 100.00 0.00 0.65
500,000.0
0
242 58,783 0.41 99.93
136,515.63 6.27 40.84 0.00 100.00 0.00100,000.0
0
212 58,541 0.36 99.52 20,945.00
75.15 889.54 8.45 100.00 0.31 0.7724,352.87 115,570.63 7.29 34.58 5.88 100.00
814.39 5.62 91.55 0.27 0.89
50,000.00 533 58,329 0.91 99.16
91,217.77 5.54 27.29 2.94 94.12 50.0020,000.00 810 57,796 1.38 98.25 18,533.05
0.00 764.39 0.00 85.93 0.00 1.058,133.65 72,684.72 2.43 21.75 0.00 91.18
764.39 1.14 85.93 0.10 1.18
10,000.00 640 56,986 1.09 96.87
64,551.06 2.96 19.31 2.94 91.18 10.127,500.00 1,121 56,346 1.91 95.78 9,901.20
10.00 754.26 1.12 84.79 0.19 1.385,348.83 54,649.87 1.60 16.35 2.94 88.24
744.26 2.81 83.67 0.37 1.51
5,000.00 863 55,225 1.47 93.88
49,301.03 2.01 14.75 2.94 85.29 25.004,000.00 1,373 54,362 2.33 92.41 6,725.77
13.67 719.26 1.54 80.86 0.31 1.694,399.21 42,575.26 1.32 12.74 2.94 82.35
705.60 0.00 79.32 0.00 1.85
3,000.00 1,190 52,989 2.02 90.08
38,176.05 1.39 11.42 0.00 79.41 0.002,500.00 1,489 51,799 2.53 88.05 4,641.91
75.00 705.60 8.43 79.32 1.28 2.105,876.64 33,534.14 1.76 10.03 2.94 79.41
630.60 2.83 70.89 0.35 2.28
2,000.00 2,448 50,310 4.16 85.52
27,657.50 2.17 8.27 5.88 76.47 25.211,500.00 4,269 47,862 7.26 81.36 7,265.98
53.71 605.39 6.04 68.06 1.00 2.975,357.93 20,391.52 1.60 6.10 5.88 70.59
551.68 13.94 62.02 2.51 3.67
1,000.00 4,479 43,593 7.61 74.10
15,033.59 1.48 4.50 11.76 64.71 124.04750.00 5,865 39,114 9.97 66.49 4,939.27
211.12 427.64 23.73 48.07 4.21 4.245,019.68 10,094.32 1.50 3.02 29.41 52.94
216.52 4.50 24.34 1.67 4.27
500.00 8,993 33,249 15.29 56.52
5,074.64 0.72 1.52 8.82 23.53 40.00300.00 6,810 24,256 11.58 41.23 2,397.50
122.71 176.52 13.80 19.84 6.19 6.591,983.15 2,677.14 0.59 0.80 8.82 14.71
53.80 6.05 6.05 9.83 7.75
200.00 9,063 17,446 15.41 29.66
693.99 0.16 0.21 5.88 5.88 53.80
0.00 0.00 0.00 0.00
100.00 4,651 8,383 7.91 14.25 547.20
0.04 0.04 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 3,732 3,732 6.34 6.34 146.79 146.79
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2011
OCCUPATION : RESIDENTIAL PROCESSING DATE 13/08/2013
50
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 0 0
13 4,000.00 0 0
14 5,000.00 0 0
15 7,500.00 0 0
16 10,000.00 0 0
17 20,000.00 0 0
18 50,000.00 0 0
19 100,000.00 0 0
20 500,000.00 0 0 0.00 0.00 0.00 0.00 0.0020,801.51 14.82 100.00 0.00 0.00 0.00UP 5 441 1.13 100.00 3,082.34
0.00 0.00 0.00 0.00 0.00 0.008,409.49 17,719.17 40.43 85.18 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500,000.0
0
56 436 12.70 98.87
9,309.68 25.43 44.75 0.00 0.00 0.00100,000.0
0
55 380 12.47 86.17 5,288.89
0.00 0.00 0.00 0.00 0.00 0.002,619.52 4,020.79 12.59 19.33 0.00 0.00
0.00 0.00 0.00 0.00 0.00
50,000.00 61 325 13.83 73.70
1,401.27 3.01 6.74 0.00 0.00 0.0020,000.00 37 264 8.39 59.86 627.04
0.00 0.00 0.00 0.00 0.00 0.00217.83 774.22 1.05 3.72 0.00 0.00
0.00 0.00 0.00 0.00 0.00
10,000.00 18 227 4.08 51.47
556.39 0.96 2.67 0.00 0.00 0.007,500.00 28 209 6.35 47.39 200.41
0.00 0.00 0.00 0.00 0.00 0.0067.69 355.98 0.33 1.71 0.00 0.00
0.00 0.00 0.00 0.00 0.00
5,000.00 12 181 2.72 41.04
288.30 0.30 1.39 0.00 0.00 0.004,000.00 13 169 2.95 38.32 61.85
0.00 0.00 0.00 0.00 0.00 0.0040.73 226.44 0.20 1.09 0.00 0.00
0.00 0.00 0.00 0.00 0.00
3,000.00 11 156 2.49 35.37
185.71 0.13 0.89 0.00 0.00 0.002,500.00 7 145 1.59 32.88 27.65
0.00 0.00 0.00 0.00 0.00 0.0082.59 158.06 0.40 0.76 0.00 0.00
0.00 0.00 0.00 0.00 0.00
2,000.00 35 138 7.94 31.29
75.47 0.21 0.36 0.00 0.00 0.001,500.00 26 103 5.90 23.36 43.76
0.00 0.00 0.00 0.00 0.00 0.0011.59 31.71 0.06 0.15 0.00 0.00
0.00 0.00 0.00 0.00 0.00
1,000.00 10 77 2.27 17.46
20.12 0.02 0.10 0.00 0.00 0.00750.00 7 67 1.59 15.19 5.02
0.00 0.00 0.00 0.00 0.00 0.006.76 15.09 0.03 0.07 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500.00 14 60 3.17 13.61
8.33 0.02 0.04 0.00 0.00 0.00300.00 11 46 2.49 10.43 3.41
0.00 0.00 0.00 0.00 0.00 0.003.26 4.92 0.02 0.02 0.00 0.00
0.00 0.00 0.00 0.00 0.00
200.00 15 35 3.40 7.94
1.67 0.01 0.01 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 10 20 2.27 4.54 1.28
0.00 0.00 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 10 10 2.27 2.27 0.39 0.39
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CU
M
∑(n)
rp BAND
(q)/∑(q)
CU
M
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2010
OCCUPATION : AGRICULTURAL PROCESSING DATE 13/08/2013
51
:
(a)
1 0.00 1 1
2 50.00 1 2
3 100.00 1 3
4 200.00 0 3
5 300.00 1 4
6 500.00 1 5
7 750.00 3 8
8 1,000.00 4 12
9 1,500.00 2 14
10 2,000.00 4 18
11 2,500.00 2 20
12 3,000.00 3 23
13 4,000.00 1 24
14 5,000.00 1 25
15 7,500.00 2 27
16 10,000.00 1 28
17 20,000.00 4 32
18 50,000.00 6 38
19 100,000.00 4 42
20 500,000.00 4 46 41,536.86 86.51 100.00 51.00 9.82422,806.13 16.66 100.00 8.70 100.00 35,933.45UP 49 83,031 0.06 100.00 70,458.67
3,680.92 5,603.41 8.86 13.49 3.63 1.59101,367.17 352,347.46 23.97 83.34 8.70 91.30
1,922.49 0.57 4.63 0.49 0.77
500,000.0
0
387 82,982 0.47 99.94
250,980.29 11.41 59.36 13.04 82.61 236.79100,000.0
0
520 82,595 0.63 99.47 48,233.71
158.63 1,685.70 0.38 4.06 0.28 0.8357,580.24 202,746.58 13.62 47.95 8.70 69.57
1,527.07 0.18 3.68 0.22 1.05
50,000.00 1,397 82,075 1.68 98.85
145,166.34 8.28 34.33 2.17 60.87 76.7720,000.00 1,811 80,678 2.18 97.17 35,016.20
12.69 1,450.30 0.03 3.49 0.09 1.3213,876.70 110,150.14 3.28 26.05 4.35 58.70
1,437.61 0.01 3.46 0.02 1.49
10,000.00 1,151 78,867 1.39 94.99
96,273.44 3.80 22.77 2.17 54.35 3.727,500.00 1,950 77,716 2.35 93.60 16,069.07
85.83 1,433.89 0.21 3.45 0.89 1.799,598.95 80,204.37 2.27 18.97 2.17 52.17
1,348.05 0.34 3.25 1.31 1.91
5,000.00 1,505 75,766 1.81 91.25
70,605.42 2.51 16.70 6.52 50.00 139.584,000.00 2,145 74,261 2.58 89.44 10,626.36
331.24 1,208.47 0.80 2.91 5.00 2.016,624.90 59,979.06 1.57 14.19 4.35 43.48
877.23 0.10 2.11 0.54 1.64
3,000.00 1,727 72,116 2.08 86.85
53,354.17 1.79 12.62 8.70 39.13 41.072,500.00 2,381 70,389 2.87 84.77 7,567.14
126.59 836.16 0.30 2.01 1.40 1.839,064.08 45,787.03 2.14 10.83 4.35 30.43
709.57 1.10 1.71 4.49 1.93
2,000.00 3,612 68,008 4.35 81.91
36,722.95 2.42 8.69 8.70 26.09 458.651,500.00 6,016 64,396 7.25 77.56 10,220.79
92.64 250.92 0.22 0.60 0.91 0.9510,203.00 26,502.16 2.41 6.27 6.52 17.39
158.29 0.32 0.38 2.21 0.97
1,000.00 8,588 58,380 10.34 70.31
16,299.16 1.41 3.85 2.17 10.87 131.58750.00 7,023 49,792 8.46 59.97 5,960.39
1.20 26.70 0.00 0.06 0.02 0.265,084.58 10,338.78 1.20 2.45 2.17 8.70
25.50 0.00 0.06 0.00 0.49
500.00 8,440 42,769 10.16 51.51
5,254.19 0.50 1.24 0.00 6.52 0.00300.00 5,672 34,329 6.83 41.34 2,101.52
14.20 25.50 0.03 0.06 0.72 0.811,961.56 3,152.67 0.46 0.75 2.17 6.52
11.30 0.03 0.03 1.48 0.95
200.00 8,903 28,657 10.72 34.51
1,191.11 0.18 0.28 2.17 4.35 11.00
0.00 0.00 0.07 0.07
100.00 6,432 19,754 7.75 23.79 743.47
0.11 0.11 2.17 2.17 0.30 0.30
(s) (t) (u)
50.00 13,322 13,322 16.04 16.04 447.65 447.65
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2010
OCCUPATION : COMMERCIAL PROCESSING DATE 13/08/2013
52
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 1 1
10 2,000.00 0 1
11 2,500.00 0 1
12 3,000.00 0 1
13 4,000.00 0 1
14 5,000.00 0 1
15 7,500.00 0 1
16 10,000.00 0 1
17 20,000.00 0 1
18 50,000.00 0 1
19 100,000.00 0 1
20 500,000.00 0 1 760.22 0.00 100.00 0.00 0.061,282,982.61 65.25 100.00 0.00 100.00 0.00UP 322 13,851 2.32 100.00 837,146.78
0.00 760.22 0.00 100.00 0.00 0.17254,211.79 445,835.83 19.81 34.75 0.00 100.00
760.22 0.00 100.00 0.00 0.40
500,000.0
0
1,003 13,529 7.24 97.68
191,624.04 5.72 14.94 0.00 100.00 0.00100,000.0
0
812 12,526 5.86 90.43 73,374.45
0.00 760.22 0.00 100.00 0.00 0.6462,233.00 118,249.59 4.85 9.22 0.00 100.00
760.22 0.00 100.00 0.00 1.36
50,000.00 1,428 11,714 10.31 84.57
56,016.59 1.98 4.37 0.00 100.00 0.0020,000.00 1,303 10,286 9.41 74.26 25,426.19
0.00 760.22 0.00 100.00 0.00 2.498,567.16 30,590.40 0.67 2.38 0.00 100.00
760.22 0.00 100.00 0.00 3.45
10,000.00 698 8,983 5.04 64.85
22,023.24 0.56 1.72 0.00 100.00 0.007,500.00 853 8,285 6.16 59.82 7,186.81
0.00 760.22 0.00 100.00 0.00 5.123,331.05 14,836.42 0.26 1.16 0.00 100.00
760.22 0.00 100.00 0.00 6.61
5,000.00 520 7,432 3.75 53.66
11,505.37 0.22 0.90 0.00 100.00 0.004,000.00 583 6,912 4.21 49.90 2,878.60
0.00 760.22 0.00 100.00 0.00 8.811,762.12 8,626.77 0.14 0.67 0.00 100.00
760.22 0.00 100.00 0.00 11.07
3,000.00 453 6,329 3.27 45.69
6,864.65 0.12 0.54 0.00 100.00 0.002,500.00 475 5,876 3.43 42.42 1,501.99
760.22 760.22 100.00 100.00 44.05 14.181,725.99 5,362.66 0.13 0.42 100.00 100.00
0.00 0.00 0.00 0.00 0.00
2,000.00 677 5,401 4.89 38.99
3,636.66 0.11 0.28 0.00 0.00 0.001,500.00 804 4,724 5.80 34.11 1,414.09
0.00 0.00 0.00 0.00 0.00 0.00890.37 2,222.57 0.07 0.17 0.00 0.00
0.00 0.00 0.00 0.00 0.00
1,000.00 685 3,920 4.95 28.30
1,332.21 0.04 0.10 0.00 0.00 0.00750.00 594 3,235 4.29 23.36 529.29
0.00 0.00 0.00 0.00 0.00 0.00478.57 802.92 0.04 0.06 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500.00 795 2,641 5.74 19.07
324.35 0.01 0.03 0.00 0.00 0.00300.00 376 1,846 2.71 13.33 147.61
0.00 0.00 0.00 0.00 0.00 0.00113.20 176.74 0.01 0.01 0.00 0.00
0.00 0.00 0.00 0.00 0.00
200.00 486 1,470 3.51 10.61
63.53 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 387 984 2.79 7.10 44.05
0.00 0.00 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 597 597 4.31 4.31 19.48 19.48
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2010
OCCUPATION : INDUSTRIAL PROCESSING DATE 13/08/2013
53
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 1 1
4 200.00 1 2
5 300.00 4 6
6 500.00 2 8
7 750.00 1 9
8 1,000.00 0 9
9 1,500.00 0 9
10 2,000.00 1 10
11 2,500.00 0 10
12 3,000.00 0 10
13 4,000.00 1 11
14 5,000.00 0 11
15 7,500.00 0 11
16 10,000.00 0 11
17 20,000.00 0 11
18 50,000.00 0 11
19 100,000.00 0 11
20 500,000.00 0 11 406.79 0.00 100.00 0.00 0.11357,293.01 44.86 100.00 0.00 100.00 0.00UP 53 67,156 0.08 100.00 160,267.17
0.00 406.79 0.00 100.00 0.00 0.2170,016.91 197,025.84 19.60 55.14 0.00 100.00
406.79 0.00 100.00 0.00 0.32
500,000.0
0
247 67,103 0.37 99.92
127,008.93 5.49 35.55 0.00 100.00 0.00100,000.0
0
197 66,856 0.29 99.55 19,626.89
0.00 406.79 0.00 100.00 0.00 0.3819,774.41 107,382.05 5.53 30.05 0.00 100.00
406.79 0.00 100.00 0.00 0.46
50,000.00 462 66,659 0.69 99.26
87,607.63 4.60 24.52 0.00 100.00 0.0020,000.00 743 66,197 1.11 98.57 16,444.15
0.00 406.79 0.00 100.00 0.00 0.577,499.43 71,163.48 2.10 19.92 0.00 100.00
406.79 0.00 100.00 0.00 0.64
10,000.00 567 65,454 0.84 97.47
63,664.05 2.33 17.82 0.00 100.00 0.007,500.00 941 64,887 1.40 96.62 8,316.79
130.73 406.79 32.14 100.00 2.72 0.734,801.38 55,347.26 1.34 15.49 9.09 100.00
276.06 0.00 67.86 0.00 0.55
5,000.00 762 63,946 1.13 95.22
50,545.87 1.67 14.15 0.00 90.91 0.004,000.00 1,243 63,184 1.85 94.09 5,962.90
0.00 276.06 0.00 67.86 0.00 0.623,964.81 44,582.97 1.11 12.48 0.00 90.91
276.06 10.31 67.86 1.02 0.68
3,000.00 1,066 61,941 1.59 92.23
40,618.16 1.16 11.37 9.09 90.91 41.942,500.00 1,348 60,875 2.01 90.65 4,128.66
0.00 234.12 0.00 57.55 0.00 0.645,391.90 36,489.50 1.51 10.21 0.00 81.82
234.12 0.00 57.55 0.00 0.75
2,000.00 2,238 59,527 3.33 88.64
31,097.60 1.89 8.70 0.00 81.82 0.001,500.00 3,927 57,289 5.85 85.31 6,751.00
35.01 234.12 8.61 57.55 0.57 0.966,182.11 24,346.60 1.73 6.81 9.09 81.82
199.11 22.89 48.95 1.25 1.10
1,000.00 5,160 53,362 7.68 79.46
18,164.49 2.08 5.08 18.18 72.73 93.13750.00 8,297 48,202 12.35 71.78 7,425.78
77.26 105.98 18.99 26.05 1.56 0.994,947.46 10,738.71 1.38 3.01 36.36 54.55
28.72 3.69 7.06 0.62 0.50
500.00 8,884 39,905 13.23 59.42
5,791.24 0.67 1.62 9.09 18.18 15.00300.00 6,836 31,021 10.18 46.19 2,409.32
13.72 13.72 3.37 3.37 0.61 0.412,262.65 3,381.93 0.63 0.95 9.09 9.09
0.00 0.00 0.00 0.00 0.00
200.00 10,615 24,185 15.81 36.01
1,119.27 0.25 0.31 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 7,681 13,570 11.44 20.21 887.43
0.06 0.06 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 5,889 5,889 8.77 8.77 231.85 231.85
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2010
OCCUPATION : RESIDENTIAL PROCESSING DATE 13/08/2013
54
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 0 0
5 300.00 0 0
6 500.00 0 0
7 750.00 0 0
8 1,000.00 0 0
9 1,500.00 0 0
10 2,000.00 0 0
11 2,500.00 0 0
12 3,000.00 2 2
13 4,000.00 0 2
14 5,000.00 2 4
15 7,500.00 10 14
16 10,000.00 10 24
17 20,000.00 2 26
18 50,000.00 1 27
19 100,000.00 0 27
20 500,000.00 0 27 14,121.90 0.00 100.00 0.00 115.8112,194.01 20.15 100.00 0.00 100.00 0.00UP 3 252 1.19 100.00 2,457.69
0.00 14,121.90 0.00 100.00 0.00 145.045,872.94 9,736.33 48.16 79.85 0.00 100.00
14,121.90 3.03 100.00 25.89 365.53
500,000.0
0
26 249 10.32 98.81
3,863.39 13.54 31.68 3.70 100.00 427.45100,000.0
0
21 223 8.33 88.49 1,651.00
913.11 13,694.45 6.47 96.97 69.58 618.991,312.26 2,212.39 10.76 18.14 7.41 96.30
12,781.33 70.45 90.51 2,573.56 1,419.95
50,000.00 36 202 14.29 80.16
900.13 3.17 7.38 37.04 88.89 9,949.3020,000.00 24 166 9.52 65.87 386.60
2,659.25 2,832.03 18.83 20.05 1,733.99 551.48153.36 513.53 1.26 4.21 37.04 51.85
172.79 0.83 1.22 70.05 47.97
10,000.00 13 142 5.16 56.35
360.17 1.37 2.95 7.41 14.81 116.817,500.00 23 129 9.13 51.19 166.74
0.00 55.98 0.00 0.40 0.00 28.9470.42 193.43 0.58 1.59 0.00 7.41
55.98 0.40 0.40 166.22 45.51
5,000.00 12 106 4.76 42.06
123.01 0.28 1.01 7.41 7.41 55.984,000.00 8 94 3.17 37.30 33.68
0.00 0.00 0.00 0.00 0.00 0.0013.96 89.34 0.11 0.73 0.00 0.00
0.00 0.00 0.00 0.00 0.00
3,000.00 4 86 1.59 34.13
75.37 0.18 0.62 0.00 0.00 0.002,500.00 8 82 3.17 32.54 21.36
0.00 0.00 0.00 0.00 0.00 0.0016.49 54.01 0.14 0.44 0.00 0.00
0.00 0.00 0.00 0.00 0.00
2,000.00 10 74 3.97 29.37
37.52 0.12 0.31 0.00 0.00 0.001,500.00 10 64 3.97 25.40 14.92
0.00 0.00 0.00 0.00 0.00 0.008.81 22.59 0.07 0.19 0.00 0.00
0.00 0.00 0.00 0.00 0.00
1,000.00 8 54 3.17 21.43
13.79 0.04 0.11 0.00 0.00 0.00750.00 7 46 2.78 18.25 5.14
0.00 0.00 0.00 0.00 0.00 0.003.53 8.64 0.03 0.07 0.00 0.00
0.00 0.00 0.00 0.00 0.00
500.00 7 39 2.78 15.48
5.11 0.02 0.04 0.00 0.00 0.00300.00 9 32 3.57 12.70 2.41
0.00 0.00 0.00 0.00 0.00 0.002.04 2.70 0.02 0.02 0.00 0.00
0.00 0.00 0.00 0.00 0.00
200.00 14 23 5.56 9.13
0.66 0.00 0.01 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 5 9 1.98 3.57 0.51
0.00 0.00 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 4 4 1.59 1.59 0.15 0.15
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2009
OCCUPATION : AGRICULTURAL PROCESSING DATE 13/08/2013
55
:
(a)
1 0.00 68 68
2 50.00 54 122
3 100.00 65 187
4 200.00 71 258
5 300.00 145 403
6 500.00 107 510
7 750.00 96 606
8 1,000.00 56 662
9 1,500.00 48 710
10 2,000.00 26 736
11 2,500.00 18 754
12 3,000.00 28 782
13 4,000.00 17 799
14 5,000.00 33 832
15 7,500.00 24 856
16 10,000.00 36 892
17 20,000.00 30 922
18 50,000.00 13 935
19 100,000.00 32 967
20 500,000.00 15 982 894,652.25 36.96 100.00 310.81 220.88405,039.22 26.27 100.00 1.53 100.00 330,699.45UP 65 74,400 0.09 100.00 106,397.59
133,830.66 563,952.79 14.96 63.04 134.23 188.8499,701.14 298,641.63 24.62 73.73 3.26 98.47
430,122.13 1.13 48.08 27.01 216.21
500,000.0
0
410 74,335 0.55 99.91
198,940.49 9.25 49.12 1.32 95.21 10,113.81100,000.0
0
531 73,925 0.71 99.36 37,447.60
113,978.25 420,008.32 12.74 46.95 236.62 260.0848,168.77 161,492.89 11.89 39.87 3.05 93.89
306,030.07 12.56 34.21 384.84 270.05
50,000.00 1,359 73,394 1.83 98.65
113,324.12 7.21 27.98 3.67 90.84 112,373.3120,000.00 1,647 72,035 2.21 96.82 29,199.83
32,243.18 193,656.76 3.60 21.65 307.70 230.2010,478.93 84,124.29 2.59 20.77 2.44 87.17
161,413.58 1.45 18.04 105.42 219.18
10,000.00 1,021 70,388 1.37 94.61
73,645.36 3.04 18.18 3.36 84.73 12,971.557,500.00 1,640 69,367 2.20 93.24 12,304.49
8,837.89 148,442.03 0.99 16.59 130.01 242.006,797.89 61,340.86 1.68 15.14 1.73 81.36
139,604.14 1.66 15.60 203.17 255.95
5,000.00 1,235 67,727 1.66 91.03
54,542.98 1.80 13.47 2.85 79.63 14,818.754,000.00 1,724 66,492 2.32 89.37 7,293.94
5,351.17 124,785.40 0.60 13.95 115.18 264.104,645.76 47,249.03 1.15 11.67 1.83 76.78
119,434.23 1.87 13.35 363.98 280.34
3,000.00 1,395 64,768 1.88 87.05
42,603.27 1.13 10.52 2.65 74.95 16,710.992,500.00 1,679 63,373 2.26 85.18 4,591.22
19,391.38 102,723.24 2.17 11.48 288.61 270.246,719.00 38,012.05 1.66 9.38 4.89 72.30
83,331.85 1.16 9.31 131.40 266.30
2,000.00 3,060 61,694 4.11 82.92
31,293.05 1.95 7.73 5.70 67.41 10,403.081,500.00 5,075 58,634 6.82 78.81 7,917.22
13,597.27 72,928.78 1.52 8.15 157.19 311.988,650.33 23,375.83 2.14 5.77 9.78 61.71
59,331.51 2.67 6.63 367.61 402.92
1,000.00 7,627 53,559 10.25 71.99
14,725.50 1.60 3.64 10.90 51.93 23,856.66750.00 7,752 45,932 10.42 61.74 6,489.65
22,582.20 35,474.84 2.52 3.97 556.07 430.744,061.06 8,235.85 1.00 2.03 14.77 41.04
12,892.64 0.58 1.44 342.78 308.82
500.00 7,645 38,180 10.28 51.32
4,174.78 0.37 1.03 7.23 26.27 5,188.14300.00 4,567 30,535 6.14 41.04 1,513.54
3,347.79 7,704.50 0.37 0.86 214.52 289.511,560.63 2,661.25 0.39 0.66 6.62 19.04
4,356.71 0.25 0.49 329.77 395.84
200.00 7,526 25,968 10.12 34.90
1,100.62 0.17 0.27 5.50 12.42 2,227.94
0.24 0.24 500.87 500.87
100.00 6,039 18,442 8.12 24.79 675.61
0.10 0.10 6.92 6.92 2,128.77 2,128.77
(s) (t) (u)
50.00 12,403 12,403 16.67 16.67 425.01 425.01
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m
)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2009
OCCUPATION : COMMERCIAL PROCESSING DATE 13/08/2013
56
:
(a)
1 0.00 0 0
2 50.00 0 0
3 100.00 0 0
4 200.00 1 1
5 300.00 2 3
6 500.00 0 3
7 750.00 0 3
8 1,000.00 1 4
9 1,500.00 2 6
10 2,000.00 0 6
11 2,500.00 2 8
12 3,000.00 1 9
13 4,000.00 1 10
14 5,000.00 0 10
15 7,500.00 4 14
16 10,000.00 4 18
17 20,000.00 1 19
18 50,000.00 0 19
19 100,000.00 3 22
20 500,000.00 1 23 4,401.12 2.26 100.00 0.01 0.391,123,907.19 68.30 100.00 4.35 100.00 99.29UP 301 12,939 2.33 100.00 767,657.36
27.91 4,301.83 0.63 97.74 0.01 1.21205,041.07 356,249.82 18.24 31.70 13.04 95.65
4,273.92 0.00 97.11 0.00 2.83
500,000.0
0
920 12,638 7.11 97.67
151,208.75 5.08 13.45 0.00 82.61 0.00100,000.0
0
769 11,718 5.94 90.56 57,063.71
67.08 4,273.92 1.52 97.11 0.13 4.5449,888.84 94,145.04 4.44 8.38 4.35 82.61
4,206.84 28.54 95.59 6.06 9.51
50,000.00 1,427 10,949 11.03 84.62
44,256.21 1.84 3.94 17.39 78.26 1,255.9320,000.00 1,274 9,522 9.85 73.59 20,724.59
553.46 2,950.92 12.58 67.05 8.11 12.546,826.49 23,531.62 0.61 2.09 17.39 60.87
2,397.46 0.00 54.47 0.00 14.35
10,000.00 653 8,248 5.05 63.75
16,705.13 0.49 1.49 0.00 43.48 0.007,500.00 795 7,595 6.14 58.70 5,535.29
13.78 2,397.46 0.31 54.47 0.61 21.462,254.18 11,169.84 0.20 0.99 4.35 43.48
2,383.68 1.89 54.16 3.64 26.74
5,000.00 436 6,800 3.37 52.55
8,915.66 0.20 0.79 4.35 39.13 83.034,000.00 584 6,364 4.51 49.18 2,279.58
497.39 2,300.65 11.30 52.27 35.54 34.671,399.43 6,636.07 0.12 0.59 8.70 34.78
1,803.26 0.00 40.97 0.00 34.44
3,000.00 439 5,780 3.39 44.67
5,236.65 0.10 0.47 0.00 26.09 0.002,500.00 423 5,341 3.27 41.28 1,092.44
162.99 1,803.26 3.70 40.97 12.69 43.511,284.25 4,144.20 0.11 0.37 8.70 26.09
1,640.27 34.95 37.27 137.00 57.35
2,000.00 635 4,918 4.91 38.01
2,859.95 0.10 0.25 4.35 17.39 1,538.401,500.00 763 4,283 5.90 33.10 1,122.96
0.00 101.87 0.00 2.31 0.00 5.86658.19 1,736.99 0.06 0.15 0.00 13.04
101.87 0.00 2.31 0.00 9.44
1,000.00 582 3,520 4.50 27.20
1,078.80 0.04 0.10 0.00 13.04 0.00750.00 596 2,938 4.61 22.71 470.52
73.63 101.87 1.67 2.31 21.37 16.75344.51 608.29 0.03 0.05 8.70 13.04
28.24 0.64 0.64 21.80 10.71
500.00 671 2,342 5.19 18.10
263.78 0.01 0.02 4.35 4.35 28.24300.00 382 1,671 2.95 12.91 129.54
0.00 0.00 0.00 0.00 0.00 0.0088.98 134.24 0.01 0.01 0.00 0.00
0.00 0.00 0.00 0.00 0.00
200.00 475 1,289 3.67 9.96
45.26 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
100.00 319 814 2.47 6.29 33.14
0.00 0.00 0.00 0.00 0.00 0.00
(s) (t) (u)
50.00 495 495 3.83 3.83 12.12 12.12
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CU
M
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m
)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(
d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2009
OCCUPATION : INDUSTRIAL PROCESSING DATE 13/08/2013
57
:
(a)
1 0.00 16 16
2 50.00 86 102
3 100.00 233 335
4 200.00 155 490
5 300.00 172 662
6 500.00 62 724
7 750.00 49 773
8 1,000.00 26 799
9 1,500.00 14 813
10 2,000.00 6 819
11 2,500.00 5 824
12 3,000.00 4 828
13 4,000.00 2 830
14 5,000.00 1 831
15 7,500.00 1 832
16 10,000.00 1 833
17 20,000.00 0 833
18 50,000.00 1 834
19 100,000.00 1 835
20 500,000.00 0 835 67,191.81 0.00 100.00 0.00 29.21230,042.03 36.58 100.00 0.00 100.00 0.00UP 36 42,727 0.08 100.00 84,148.96
7.34 67,191.81 0.01 100.00 0.01 46.0660,481.13 145,893.06 26.29 63.42 0.12 100.00
67,184.47 0.00 99.99 0.02 78.66
500,000.0
0
222 42,691 0.52 99.92
85,411.93 6.62 37.13 0.12 99.88 2.70100,000.0
0
172 42,469 0.40 99.40 15,221.16
0.00 67,181.78 0.00 99.99 0.00 95.7114,912.01 70,190.78 6.48 30.51 0.00 99.76
67,181.78 2.06 99.99 12.17 121.53
50,000.00 412 42,297 0.96 98.99
55,278.77 4.94 24.03 0.12 99.76 1,382.4920,000.00 591 41,885 1.38 98.03 11,363.91
23.47 65,799.28 0.03 97.93 0.46 149.835,090.29 43,914.86 2.21 19.09 0.12 99.64
65,775.82 0.01 97.89 0.17 169.42
10,000.00 446 41,294 1.04 96.65
38,824.57 2.51 16.88 0.12 99.52 10.007,500.00 721 40,848 1.69 95.60 5,765.86
821.12 65,765.82 1.22 97.88 25.05 198.943,277.96 33,058.71 1.42 14.37 0.24 99.40
64,944.69 2.08 96.66 36.96 218.08
5,000.00 603 40,127 1.41 93.91
29,780.76 1.65 12.95 0.48 99.16 1,400.234,000.00 888 39,524 2.08 92.50 3,788.85
2,082.13 63,544.46 3.10 94.57 81.34 244.482,559.85 25,991.91 1.11 11.30 0.60 98.68
61,462.32 6.56 91.47 166.77 262.30
3,000.00 773 38,636 1.81 90.43
23,432.06 1.15 10.19 0.72 98.08 4,409.072,500.00 975 37,863 2.28 88.62 2,643.84
3,198.35 57,053.25 4.76 84.91 89.61 274.453,569.23 20,788.22 1.55 9.04 1.68 97.37
53,854.90 11.76 80.15 175.78 312.76
2,000.00 1,697 36,888 3.97 86.33
17,218.99 1.95 7.49 3.11 95.69 7,901.481,500.00 2,990 35,191 7.00 82.36 4,495.09
6,659.97 45,953.42 9.91 68.39 189.75 361.163,509.80 12,723.90 1.53 5.53 5.87 92.57
39,293.45 12.62 58.48 275.05 426.45
1,000.00 3,262 32,201 7.63 75.36
9,214.11 1.34 4.01 7.43 86.71 8,479.29750.00 4,083 28,939 9.56 67.73 3,082.84
15,983.12 30,814.17 23.79 45.86 519.73 502.573,075.25 6,131.27 1.34 2.67 20.60 79.28
14,831.05 11.34 22.07 509.71 485.31
500.00 6,234 24,856 14.59 58.17
3,056.02 0.65 1.33 18.56 58.68 7,616.37300.00 4,799 18,622 11.23 43.58 1,494.25
5,594.55 7,214.68 8.33 10.74 506.57 461.951,104.39 1,561.77 0.48 0.68 27.90 40.12
1,620.14 2.14 2.41 473.72 354.22
200.00 5,780 13,823 13.53 32.35
457.39 0.13 0.20 10.30 12.22 1,438.33
0.27 0.27 118.24 118.24
100.00 3,109 8,043 7.28 18.82 303.62
0.07 0.07 1.92 1.92 181.80 181.80
(s) (t) (u)
50.00 4,934 4,934 11.55 11.55 153.76 153.76
(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)
CUM
q/i∑(d) ∑(h) ∑(l) ∑(p)
(b) (c) (d) (e) (f)
BAND
(m)/∑(m)
CUM
∑(n)rp BAND
(q)/∑(q)
CUM
∑(r)
BAND
(p)/(h)
PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND
(d)/∑(d)
CUM
∑(f )rp
BAND
F PERCENTAGE Rp PERCENTAGE FBAND
(i)/∑(i)
CUM
∑(j)f
SUM INSURED (BAND)
(in M illion Rp)
GROSS PREMIUM
(In M illion Rp)
INCURRED CLAIM
(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR 2009
OCCUPATION : RESIDENTIAL PROCESSING DATE 13/08/2013
58
59
60
61
Damage Ratio
Laporan ini memberikan informasi untuk
pengembangan model vulnerability dari gempa
bumi Yogyakarta 27 Mei 2006 (27.05.06).
Gempa bumi berkekuatan magnitude 6.3
mengguncang sisi selatan Pulau Jawa. Pusat
gempa yang tidak jauh dari Pantai Parangtritis
tentunya sangat terasa dengan MMI lebih dari
skala V.
Penyebab gempa bumi tersebut adalah
aktivitas sesar mendatar berarah Barat Daya –
Timur Laut (BD-TL) yang dikenal Sesar Opak.
Gempa Yogyakarta berpusat di 110.430E,
7.960S, kedalaman dangkal hanya 17 km.
Karena sumbernya dangkal maka goncangan
sangat terasa dan menyebabkan banyak
bangunan roboh.
Gempa bumi ini berdampak langsung
terhadap Provinsi Daerah Istimewa Yogyakarta
(DIY) dan Provinsi Jawa Tengah. Kabupaten
yang paling parah terkena bencana ini adalah
Kabupaten Bantul dan Yogyakarta. Kerusakan
yang besar akibat gempa bumi dipengaruhi
oleh lokasi, karakteristik tanah, dan kualitas
bangunan.
Di wilayah sekitar Yogyakarta dan Bantul
karakteristik tanahnya adalah endapan vulkanik
yang rapuh, sehingga memungkinkan wilayah
yang terkena dampak mudah dipicu oleh
frekuensi gerakan tanah yang lebih dominan.
Gerakan tanah pada umumnya diwakili
This report provide information for
development of vulnerability model due to
Yogyakarta earthquake 27 May 2006
(27.05.06). A 6.3-magnitude earthquake struck
the southern side of the island of Java. The
epicenter is not far from Parangtritis certainly
felt with MMI scale over V.
The cause of the earthquake is the result of
the existence of Northeast – Southwest (NE –
SW) trending strike slip fault activity as known
as Opak fault. The Yogyakarta earthquake is a
shallow depth earthquake with epicenter at
110.430E, 7.960S and 17 km depth. Because of
the source is shallow, therefore earthquake
shaking is strong and cause many buildings
collapsed.
The earthquake directly affected the
Provinces of Daerah Istimewa Yogyakarta
(DIY) and Central Java. The districts which the
worst affected by this earthquake were Bantul
and Yogyakarta. The major damages affected
by the location, soil characteristics, and quality
of building construction.
In the region around Yogyakarta and
Bantul the soil characteristics is composes of
fragile volcanic soil deposits, therefore it is
possible that these region more easily triggered
by the predominance of high frequency ground
motions.
The ground shaking usually represented by
62
oleh parameter MMI (Modified Mercally
Intensity). Berdasarkan data klaim dari gempa
bumi Yogyakarta, pada zona dengan MMI VIII:
Probabilitas loss ratio 20% adalah
sebesar 7,04% dari jumlah risiko,
Probabilitas loss ratio 80% adalah
sebesar 19,72% dari jumlah risiko.
Grafik Damage Ratio
Damage Ratio Graph
MMI (Modified Mercally Intensity). Based on
claim from Yogyakarta Event, at zone with MMI
VIII:
the probability loss ratio 20% is equal
to 7.04% from number of risk,
the probability loss ratio 80% is equal
to 19.72% from number of risk.
LOSS RATIO
(%)V VI VII VIII
0.00 96.47% 76.77% 72.44% 35.21%
0.50 2.35% 5.05% 7.23% 11.27%
5.00 1.18% 2.02% 8.48% 2.82%
20.00 0.00% 6.06% 5.49% 7.04%
45.00 0.00% 8.08% 4.99% 16.90%
80.00 0.00% 1.01% 1.00% 19.72%
100.00 0.00% 1.01% 0.37% 7.04%
MDF 0.07% 6.79% 4.97% 32.03%
Tabel Mean Damage Factor
MMI
63
GLOSSARIES
1. OCCUPATION :
A - AGRICULTURAL
C - COMMERCIAL
I - INDUSTRIAL
R - RESIDENTIAL
2. ZONES (BASED ON CRESTA) :
1.1 - Banda Aceh
1.2 - Medan
1.3 - Others
1 - North Sumatera
2.1 - Padang
2.2 - Palembang
2.3 - Others
2 - South Sumatera
3.1 - DKI Jakarta
3.2 - Bandung
3.3 - Others
3 - DKI & West java
4.1 - Semarang
4.2 - Yogyakarta
Lampiran 1 / Attachment 1
64
4.3 - Others
4 - DIY & Central Java
5.1 - Surabaya
5.2 - Others
5 - East Java
6 - Kalimantan
7.1 - Ujung Pandang
7.2 - Others
7 - Sulawesi
8 - Other Islands
3. f : Frequencies
F : Accumulations of frequencies
Cum : Cumulative (increasing in amount by one addition after another)
4. Incurred Claim
Outstanding Claims (100%) plus paid/settled claims (100%)
5. Sum Insured The Sum Insured represents 100% Sum Insured
6. Gross Premium Gross Premium represent 100% premium
7. Loss Ratio The percentage ratio of Incurred claims to Gross Premium
65
TARIF ASURANSI GEMPA BUMI TAHUN 2010
Tariff in ‰ (mil)
DEFINISI
COMMERCIAL AND INDUSTRIAL : Obyek selain okupasi dwelling house (kode okupasi
selain 2976)
Steel Frame : struktur bangunan yang menggunakan Baja sebagai
rangkanya
Wood : struktur bangunan yang menggunakan kayu sebagai
rangkanya
Reinforced Concrete : struktur bangunan yang menggunakan beton bertulang
sebagai rangkanya
Others (Incl. No Frame) : struktur bangunan selain konstruksi baja, beton
bertulang atau rangka kayu; termasuk bangunan yang
terbuat dari susunan batu tanpa rangka
DWELLING HOUSE : Obyek dengan kode okupasi 2976
Steel, Wood or RC Frame : struktur bangunan rumah tinggal dengan konstruksi baja,
beton bertulang atau rangka kayu
Others : struktur bangunan rumah tinggal selain konstruksi baja,
beton bertulang atau rangka kayu termasuk bangunan
rumah tinggal yang terbuat dari susunan batu tanpa
rangka.
Catatan : Basement diperhitungkan dalam menentukan jumlah lantai bangunan bertingkat
Lampiran 2 / Attachment 2
66
Lampiran 3 / Attachment 3
67
TARIP SUKU PREMI KURANG
DARI 12 BULAN
JANGKA WAKTU PROSENTASI
TARIP TAHUNAN
3 hari 5%
10 hari 10%
1 bulan 20%
1.5 bulan 25%
2 bulan 30%
3 bulan 40%
4 bulan 50%
5 bulan 60%
6 bulan 70%
7 bulan 75%
8 bulan 80%
9 bulan 85%
10 bulan 90%
11 bulan 95%
lebih dari 11 bulan dihitung tarip suku premi penuh
Lampiran 4 / Attachment 4
68
Lampiran 5 / Attachment 5
69
Provinsi Kota/ Kabupaten Cresta Zona
KAB. SIMEULUE 1.3 5
KAB. ACEH SINGKIL 1.3 5
KAB. ACEH SELATAN 1.3 5
KAB. ACEH TENGGARA 1.3 5
KAB. ACEH TIMUR 1.3 4
KAB. ACEH TENGAH 1.3 4
KAB. ACEH BARAT 1.3 5
KAB. ACEH BESAR 1.3 5
KAB. PIDIE 1.3 5
KAB. BIREUEN 1.3 4
KAB. ACEH UTARA 1.3 3
KAB. ACEH BARAT DAYA 1.3 5
KAB. GAYO LUES 1.3 5
KAB. ACEH TAMIANG 1.3 4
KAB. NAGANRAYA 1.3 5
KAB. ACEH JAYA 1.3 5
KAB. BENER MERIAH 1.3 4
KAB. PIDIE JAYA 1.3 5
KOTA BANDA ACEH 1.1 5
KOTA SABANG 1.3 5
KOTA LANGSA 1.3 4
KOTA LHOKSEUMAWE 1.3 3
KOTA SUBULUSSALAM 1.3 5
KAB. NIAS 1.3 5
KAB. MANDAILING NATAL 1.3 4
KAB. TAPANULI SELATAN 1.3 4
KAB. TAPANULI TENGAH 1.3 5
KAB. TAPANULI UTARA 1.3 5
KAB. TOBA SAMOSIR 1.3 4
KAB. LABUHAN BATU 1.3 3
KAB. ASAHAN 1.3 3
KAB. SIMALUNGUN 1.3 4
KAB. DAIRI 1.3 4
KAB. KARO 1.3 4
KAB. DELI SERDANG 1.3 3
KAB. LANGKAT 1.3 3
KAB. NIAS SELATAN 1.3 5
KAB. HUMBANG HASUNDUTAN 1.3 5
KAB. PAKPAK BHARAT 1.3 4
KAB. SAMOSIR 1.3 4
KAB. SERDANG BEDAGAI 1.3 3
KAB. PADANG LAWAS 1.3 4
KAB. BATUBARA 1.3 3
KAB. ANGKOLA SIPIROK 1.3 4
KOTA SIBOLGA 1.3 5
KOTA TANJUNG BALAI 1.3 3
KOTA PEMATANG SIANTAR 1.3 4
KOTA TEBING TINGGI 1.3 3
KOTA MEDAN 1.2 3
KOTA BINJAI 1.3 3
KOTA PADANG SIDEMPUAN 1.3 4
CRESTA ZONE dan Zona
Nanggroe Aceh Darussalam
Sumatra Utara
Lampiran 6 / Attachment 6
70
Provinsi Kota/ Kabupaten Cresta Zona
KAB. KEPULAUAN MENTAWAI 2.3 5
KAB. PESISIR SELATAN 2.3 5
KAB. SOLOK 2.3 5
KAB. SAWAHLUNTO SIJUNJUNG 2.3 4
KAB. TANAH DATAR 2.3 4
KAB. PADANG PARIAMAN 2.3 5
KAB. AGAM 2.3 5
KAB. LIMA PULUH KOTA 2.3 4
KAB. PASAMAN 2.3 3
KAB. SOLOK SELATAN 2.3 5
KAB. DHARMASRAYA 2.3 3
KAB. PASAMAN BARAT 2.3 4
KOTA PADANG 2.1 5
KOTA SOLOK 2.3 5
KOTA SAWAHLUNTO 2.3 4
KOTA PADANGPANJANG 2.3 5
KOTA BUKITTINGGI 2.3 5
KOTA PAYAKUMBUH 2.3 4
KOTA PARIAMAN 2.3 5
KAB. KUANTAN SINGINGI 2.3 3
KAB. INDRAGIRI HULU 2.3 2
KAB. INDRAGIRI HILIR 2.3 2
KAB. PELALAWAN 2.3 2
KAB. SIAK 2.3 2
KAB. KAMPAR 2.3 3
KAB. ROKAN HULU 2.3 3
KAB. BENGKALIS 2.3 2
KAB. ROKAN HILIR 2.3 2
KOTA PEKANBARU 2.3 3
KOTA DUMAI 2.3 2
KAB. KERINCI 2.3 5
KAB. MERANGIN 2.3 4
KAB. SAROLANGUN 2.3 3
KAB. BATANGHARI 2.3 2
KAB. MUARO JAMBI 2.3 2
KAB. TANJUNG JABUNG TIMUR 2.3 2
KAB. TANJUNG JABUNG BARAT 2.3 2
KAB. TEBO 2.3 3
KAB. BUNGO 2.3 3
KOTA JAMBI 2.3 2
KAB. OGAN KOMERING ULU 2.3 3
KAB. OGAN KOMERING ILIR 2.3 2
KAB. MUARAENIM 2.3 3
KAB. LAHAT 2.3 3
KAB. MUSI RAWAS 2.3 4
KAB. MUSI BANYUASIN 2.3 3
KAB. BANYUASIN 2.3 3
KAB. OGAN KOMERING ULU SE 2.3 4
KAB. OGAN KOMERING ULU TI 2.3 3
KAB. OGAN ILIR 2.3 2
KAB. EMPAT LAWANG 2.3 4
KOTA PALEMBANG 2.2 2
KOTA PRABUMULIH 2.3 3
KOTA PAGARALAM 2.3 4
KOTA LUBUKLINGGAU 2.3 4
Jambi
Sumatra Selatan
Sumatra Barat
Riau
71
Provinsi Kota/ Kabupaten Cresta Zona
KAB. BENGKULU SELATAN 2.3 5
KAB. REJANG LEBONG 2.3 5
KAB. BENGKULU UTARA 2.3 5
KAB. KAUR 2.3 5
KAB. SELUMA 2.3 5
KAB. MUKOMUKO 2.3 5
KAB. LEBONG 2.3 5
KAB. KEPAHIANG 2.3 5
KOTA BENGKULU 2.3 5
KAB. LAMPUNG BARAT 2.3 5
KAB. TANGGAMUS 2.3 5
KAB. LAMPUNG SELATAN 2.3 4
KAB. LAMPUNG TIMUR 2.3 3
KAB. LAMPUNG TENGAH 2.3 3
KAB. LAMPUNG UTARA 2.3 3
KAB. WAY KANAN 2.3 3
KAB. TULANG BAWANG 2.3 3
KAB. PESAWARAN 2.3 4
KOTA BANDAR LAMPUNG 2.3 4
KOTA METRO 2.3 3
KAB. BANGKA 2.3 1
KAB. BELITUNG 2.3 1
KAB. BANGKA BARAT 2.3 1
KAB. BANGKA TENGAH 2.3 1
KAB. BANGKA SELATAN 2.3 2
KAB. BELITUNG TIMUR 2.3 1
KOTA PANGKAL PINANG 2.3 1
KAB. KARIMUN 2.3 1
KAB. BINTAN 2.3 1
KAB. NATUNA 2.3 1
KAB. LINGGA 2.3 1
KOTA BATAM 2.3 1
KOTA TANJUNG PINANG 2.3 1
KAB. PANDEGLANG 3.3 5
KAB. LEBAK 3.3 4
KAB. TANGERANG 3.3 4
KAB. SERANG 3.3 4
KOTA TANGERANG 3.3 4
KOTA CILEGON 3.3 4
KOTA SERANG 3.3 4
KAB. KEPULAUAN SERIBU 3.1 3
KOTA JAKARTA SELATAN 3.1 4
KOTA JAKARTA TIMUR 3.1 4
KOTA JAKARTA PUSAT 3.1 4
KOTA JAKARTA BARAT 3.1 4
KOTA JAKARTA UTARA 3.1 4
Bengkulu
Lampung
Kepulauan Bangka Belitung
Kepulauan Riau
Banten
Daerah Khusus Ibukota Jakarta
72
Provinsi Kota/ Kabupaten Cresta Zona
KAB. BOGOR 3.3 4
KAB. SUKABUMI 3.3 4
KAB. CIANJUR 3.3 4
KAB. BANDUNG 3.3 4
KAB. GARUT 3.3 4
KAB. TASIKMALAYA 3.3 4
KAB. CIAMIS 3.3 4
KAB. KUNINGAN 3.3 4
KAB. CIREBON 3.3 3
KAB. MAJALENGKA 3.3 4
KAB. SUMEDANG 3.3 3
KAB. INDRAMAYU 3.3 3
KAB. SUBANG 3.3 4
KAB. PURWAKARTA 3.3 4
KAB. KARAWANG 3.3 f
KAB. BEKASI 3.3 4
KAB. BANDUNG BARAT 3.3 4
KOTA BOGOR 3.3 4
KOTA SUKABUMI 3.3 4
KOTA BANDUNG 3.2 4
KOTA CIREBON 3.3 3
KOTA BEKASI 3.3 4
KOTA DEPOK 3.3 4
KOTA CIMAHI 3.3 4
KOTA TASIKMALAYA 3.3 4
KOTA BANJAR 3.3 4
KAB. CILACAP 4.3 4
KAB. BANYUMAS 4.3 3
KAB. PURBALINGGA 4.3 3
KAB. BANJARNEGARA 4.3 4
KAB. KEBUMEN 4.3 4
KAB. PURWOREJO 4.3 4
KAB. WONOSOBO 4.3 4
KAB. MAGELANG 4.3 4
KAB. BOYOLALI 4.3 3
KAB. KLATEN 4.3 4
KAB. SUKOHARJO 4.3 4
KAB. WONOGIRI 4.3 4
KAB. KARANGANYAR 4.3 3
KAB. SRAGEN 4.3 3
KAB. GROBOGAN 4.3 3
KAB. BLORA 4.3 3
KAB. REMBANG 4.3 3
KAB. PATI 4.3 3
KAB. KUDUS 4.3 3
KAB. JEPARA 4.3 3
KAB. DEMAK 4.3 3
KAB. SEMARANG 4.3 3
KAB. TEMANGGUNG 4.3 3
KAB. KENDAL 4.3 3
KAB. BATANG 4.3 3
Jawa Tengah
Jawa Barat
73
Provinsi Kota/ Kabupaten Cresta ZonaJawa Tengah KAB. PEKALONGAN 4.3 3
KAB. PEMALANG 4.3 3
KAB. TEGAL 4.3 4
KAB. BREBES 4.3 3
KOTA MAGELANG 4.3 3
KOTA SURAKARTA 4.3 3
KOTA SALATIGA 4.3 3
KOTA SEMARANG 4.1 3
KOTA PEKALONGAN 4.3 3
KOTA TEGAL 4.3 3
KAB. KULON PROGO 4.3 4
KAB. BANTUL 4.3 4
KAB. GUNUNG KIDUL 4.3 4
KAB. SLEMAN 4.3 4
KOTA YOGYAKARTA 4.2 4
KAB. PACITAN 5.2 4
KAB. PONOROGO 5.2 4
KAB. TRENGGALEK 5.2 4
KAB. TULUNGAGUNG 5.2 4
KAB. BLITAR 5.2 4
KAB. KEDIRI 5.2 4
KAB. MALANG 5.2 4
KAB. LUMAJANG 5.2 4
KAB. JEMBER 5.2 3
KAB. BANYUWANGI 5.2 4
KAB. BONDOWOSO 5.2 3
KAB. SITUBONDO 5.2 3
KAB. PROBOLINGGO 5.2 3
KAB. PASURUAN 5.2 3
KAB. SIDOARJO 5.2 3
KAB. MOJOKERTO 5.2 3
KAB. JOMBANG 5.2 3
KAB. NGANJUK 5.2 3
KAB. MADIUN 5.2 3
KAB. MAGETAN 5.2 3
KAB. NGAWI 5.2 3
KAB. BOJONEGORO 5.2 3
KAB. TUBAN 5.2 3
KAB. LAMONGAN 5.2 3
KAB. GRESIK 5.2 3
KAB. BANGKALAN 5.2 3
KAB. SAMPANG 5.2 3
KAB. PAMEKASAN 5.2 3
KAB. SUMENEP 5.2 3
KOTA KEDIRI 5.2 4
KOTA BLITAR 5.2 4
KOTA MALANG 5.2 4
KOTA PROBOLINGGO 5.2 3
KOTA PASURUAN 5.2 3
KOTA MOJOKERTO 5.2 3
KOTA MADIUN 5.2 3
KOTA SURABAYA 5.1 3
KOTA BATU 5.2 4
Daerah Istimewa Yogyakarta
Jawa Timur
74
Provinsi Kota/ Kabupaten Cresta Zona
KAB. JEMBRANA 8 4
KAB. TABANAN 8 4
KAB. BADUNG 8 4
KAB. GIANYAR 8 4
KAB. KLUNGKUNG 8 4
KAB. BANGLI 8 4
KAB. KARANGASEM 8 5
KAB. BULELENG 8 4
KOTA DENPASAR 8 4
KAB. LOMBOK BARAT 8 5
KAB. LOMBOK TENGAH 8 4
KAB. LOMBOK TIMUR 8 4
KAB. SUMBAWA 8 4
KAB. DOMPU 8 5
KAB. BIMA 8 4
KAB. SUMBAWA BARAT 8 4
KOTA MATARAM 8 5
KOTA BIMA 8 4
KAB. SUMBA BARAT 8 5
KAB. SUMBA TIMUR 8 4
KAB. KUPANG 8 4
KAB. TIMOR TENGAH SELATAN 8 5
KAB. TIMOR TENGAH UTARA 8 5
KAB. BELU 8 5
KAB. ALOR 8 5
KAB. LEMBATA 8 5
KAB. FLORES TIMUR 8 4
KAB. SIKKA 8 4
KAB. ENDE 8 4
KAB. NGADA 8 4
KAB. MANGGARAI 8 4
KAB. ROTE NDAO 8 4
KAB. MANGGARAI BARAT 8 4
KAB. MANGGARAI TIMUR 8 4
KAB. NAGEKEO 8 5
KAB. SUMBA BARAT DAYA 8 5
KAB. SUMBA TENGAH 8 5
KOTA KUPANG 8 4
KAB. SAMBAS 6 1
KAB. BENGKAYANG 6 1
KAB. LANDAK 6 1
KAB. PONTIANAK 6 1
KAB. SANGGAU 6 1
KAB. KETAPANG 6 1
KAB. SINTANG 6 1
KAB. KAPUAS HULU 6 1
KAB. SEKADAU 6 1
KAB. MELAWI 6 1
KAB. KAYONG UTARA 6 1
KAB. KUBU RAYA 6 1
KOTA PONTIANAK 6 1
KOTA SINGKAWANG 6 1
Kalimantan Barat
Bali
Nusa Tenggara Barat
Nusa Tenggara Timur
75
Provinsi Kota/ Kabupaten Cresta Zona
KAB. KOTAWARINGIN BARAT 6 1
KAB. KOTAWARINGIN TIMUR 6 1
KAB. KAPUAS 6 1
KAB. BARITO SELATAN 6 1
KAB. BARITO UTARA 6 1
KAB. SUKAMARA 6 1
KAB. LAMANDAU 6 1
KAB. SERUYAN 6 1
KAB. KATINGAN 6 1
KAB. PULANG PISAU 6 1
KAB. GUNUNG MAS 6 1
KAB. BARITO TIMUR 6 1
KAB. MURUNG RAYA 6 1
KOTA PALANGKARAYA 6 1
KAB. TANAH LAUT 6 1
KAB. KOTABARU 6 1
KAB. BANJAR 6 1
KAB. BARITO KUALA 6 1
KAB. TAPIN 6 1
KAB. HULU SUNGAI SELATAN 6 1
KAB. HULU SUNGAI TENGAH 6 1
KAB. HULU SUNGAI UTARA 6 1
KAB. TABALONG 6 1
KAB. TANAH BUMBU 6 1
KAB. BALANGAN 6 1
KOTA BANJARMASIN 6 1
KOTA BANJARBARU 6 1
KAB. PASIR 6 1
KAB. KUTAI BARAT 6 1
KAB. KUTAI KARTANEGARA 6 1
KAB. KUTAI TIMUR 6 2
KAB. BERAU 6 3
KAB. MALINAU 6 2
KAB. BULUNGAN 6 3
KAB. NUNUKAN 6 2
KAB. PENAJAM PASER UTARA 6 1
KAB. TANA TIDUNG 6 2
KOTA BALIKPAPAN 6 1
KOTA SAMARINDA 6 1
KOTA TARAKAN 6 2
KOTA BONTANG 6 2
KAB. BOLAANG MONGONDOW 7.2 5
KAB. MINAHASA 7.2 5
KAB. KEPULAUAN SANGIHE 7.2 5
KAB. KEPULAUAN TALAUD 7.2 5
KAB. MINAHASA SELATAN 7.2 5
KAB. MINAHASA UTARA 7.2 5
KAB. BOLAANG MONGONDOW UT 7.2 5
KAB. KEPULAUAN SITARO 7.2 5
KAB. MINAHASA TENGGARA 7.2 5
KOTA MANADO 7.2 5
KOTA BITUNG 7.2 5
KOTA TOMOHON 7.2 5
KOTA KOTAMOBAGU 7.2 5
Kalimantan Tengah
Kalimantan Selatan
Kalimantan Timur
Sulawesi Utara
76
Provinsi Kota/ Kabupaten Cresta Zona
KAB. BANGGAI KEPULAUAN 7.2 4
KAB. BANGGAI 7.2 5
KAB. MOROWALI 7.2 3
KAB. POSO 7.2 4
KAB. DONGGALA 7.2 4
KAB. TOLI-TOLI 7.2 5
KAB. BUOL 7.2 5
KAB. PARIGI MOUTONG 7.2 5
KAB. TOJO UNA-UNA 7.2 4
KOTA PALU 7.2 4
KAB. SELAYAR 7.2 2
KAB. BULUKUMBA 7.2 2
KAB. BANTAENG 7.2 2
KAB. JENEPONTO 7.2 2
KAB. TAKALAR 7.2 2
KAB. GOWA 7.2 2
KAB. SINJAI 7.2 2
KAB. MAROS 7.2 2
KAB. PANGKAJENE KEPULAUAN 7.2 2
KAB. BARRU 7.2 3
KAB. BONE 7.2 2
KAB. SOPPENG 7.2 3
KAB. WAJO 7.2 3
KAB. SIDENRENG RAPPANG 7.2 3
KAB. PINRANG 7.2 3
KAB. ENREKANG 7.2 3
KAB. LUWU 7.2 3
KAB. TANAH TORAJA 7.2 4
KAB. LUWU UTARA 7.2 3
KAB. LUWU TIMUR 7.2 3
KOTA MAKASSAR 7.1 2
KOTA PARE-PARE 7.2 3
KOTA PALOPO 7.2 3
KAB. BUTON 7.2 3
KAB. MUNA 7.2 3
KAB. KONAWE 7.2 3
KAB. KOLAKA 7.2 3
KAB. KONAWE SELATAN 7.2 3
KAB. BOMBANA 7.2 3
KAB. WAKATOBI 7.2 3
KAB. KOLAKA UTARA 7.2 3
KAB. BUTON UTARA 7.2 4
KAB. KONAWE UTARA 7.2 3
KOTA KENDARI 7.2 4
KOTA BAU-BAU 7.2 3
KAB. BOALEMO 7.2 5
KAB. GORONTALO 7.2 5
KAB. POHUWATO 7.2 5
KAB. BONE BOLANGO 7.2 5
KAB. GORONTALO UTARA 7.2 5
KOTA GORONTALO 7.2 5
Sulawesi Tengah
Sulawesi Selatan
Sulawesi Tenggara
Gorontalo
77
Provinsi Kota/ Kabupaten Cresta Zona
KAB. MAJENE 7.2 4
KAB. MAMASA 7.2 4
KAB. MAMUJU 7.2 4
KAB. MAMUJU UTARA 7.2 3
KAB. POLEWALI MANDAR 7.2 4
KAB. MALUKU TENGGARA BARAT 8 5
KAB. MALUKU TENGGARA 8 4
KAB. MALUKU TENGAH 8 4
KAB. BURU 8 5
KAB. KEPULAUAN ARU 8 5
KAB. SERAM BAGIAN BARAT 8 4
KAB. SERAM BAGIAN TIMUR 8 5
KOTA AMBON 8 5
KOTA TUAL 8 4
KAB. HALMAHERA BARAT 8 5
KAB. HALMAHERA TENGAH 8 4
KAB. KEPULAUAN SULA 8 5
KAB. HALMAHERA SELATAN 8 5
KAB. HALMAHERA UTARA 8 5
KAB. HALMAHERA TIMUR 8 4
KOTA TERNATE 8 5
KOTA TIDORE 8 5
KAB. FAK-FAK 8 3
KAB. KAIMANA 8 3
KAB. TELUK WANDOMA 8 4
KAB. TELUK BINTUNI 8 4
KAB. MANOKWARI 8 5
KAB. SORONG SELATAN 8 3
KAB. SORONG 8 4
KAB. RAJA AMPAT 8 4
KOTA SORONG 8 3
KAB. MERAUKE 8 1
KAB. JAYAWIJAYA 8 5
KAB. JAYAPURA 8 5
KAB. NABIRE 8 5
KAB. YAPEN WAROPEN 8 4
KAB. BIAK NUMFOR 8 4
KAB. PANIAE 8 4
KAB. PUNCAK JAYA 8 3
KAB. MIMIKA 8 3
KAB. BOVEN DIGOEL 8 2
KAB. MAPPI 8 2
KAB. ASMAT 8 2
KAB. YAHUKIMO 8 5
KAB. PEGUNUNGAN BINTANG 8 4
KAB. TOLIKARA 8 5
KAB. SARMI 8 5
KAB. KEEROM 8 5
KAB. WAROPEN 8 4
KAB. SUPIORI 8 4
KOTA JAYAPURA 8 5
Papua
Sulawesi Barat
Maluku
Maluku Utara
Papua Barat