ASURANSI Gempa Bumi Indonesia - PT Asuransi MAIPARK Indonesia

Transcription

w w w .m a ip a r k .c o m
LAPORAN
STATISTIK
ASURANSI
Gempa Bumi
Indonesia
Per 30 Juni 2013
Indonesian Earthquake Insurance Statistic
As at 30 June 2013
PT Asuransi MAIPARK Indonesia
1
Kata Pengantar
Foreword
Dengan Hormat,
Dear Sir / Madam,
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.
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.
Dukungan dari seluruh perusahaan asuransi
umum sangat berarti bagi kami dalam upaya
pengembangan Laporan Statistik ini.
Support from the General Insurance Industry
will be meaningful to us in order to improve this
Statistic Report.
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.
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.
Hormat kami,
Sincerely,
Frans Y. Sahusilawane
President Director
i
Daftar Isi
Content
Hal.
Page
Kata Pengantar.......................................................i
Foreword ............................................................... i
Daftar Isi ……………………………. ……………….ii
Contents ……………………………. ……………….ii
Informasi Statistik .................................................v
Statistic Information ............................................ v
s
Ikhtisar Statistik Asuransi Gempa Bumi
Indonesia Juni 2013 ................................................
Statistic Overview of Indonesian Earthquake
Insurance June 2013 ..............................................
A. Umum .................................................................1
A. General .............................................................. 1
B. Struktur Pasar ....................................................1
B. Market Structure ............................................... 1
C. Premi Bruto ........................................................1
C. Gross Premium ................................................. 1
D. Jumlah Risiko .....................................................3
D. Number of Risk .................................................. 3
E. Incurred Claim ....................................................4
E. Incurred Claim ................................................... 4
Exposure Asuransi Gempa Bumi Indonesia ........
Indonesian Earthquake Insurance Exposure ......
Tabel 2.1. Exposure Per Cresta Zone .................... 8
Table 2.1. Exposure By Cresta Zone ...................... 8
Tabel 2.2. Exposure Per Okupasi ..........................10
Table 2.2. Exposure By Occupation ..................... 10
Tabel 2.3. Exposure Per Interest ...........................12
Table 2.3. Exposure By Interest ........................... 12
Tabel 2.4. Exposure Per Provinsi ..........................14
Table 2.4. Exposure By Province .......................... 14
Premi Bruto Asuransi Gempa Bumi Indonesia
............................................................................. ….
Indonesian Earthquake Insurance Gross
Premium .................................................................
Tabel 3.1. Gross Premium Per Cresta Zone .........15
Table 3.1. Gross Premium By Cresta Zone ........... 15
Tabel 3.2. Gross Premium Per Okupasi ................17
Table 3.2. Gross Premium By Occupation ........... 17
Tabel 3.3. Gross Premium Per Provinsi .................19
Table 3.3. Gross Premium By Province ................ 19
Jumlah Risiko Asuransi Gempa Bumi
Indonesia ...............................................................
Indonesian Earthquake Insurance Number of
Risks .......................................................................
Tabel 4.1. Jumlah Risiko Per Cresta Zone ............20
Table 4.1. Number of Risk By Cresta Zone ........... 20
Tabel 4.2. Jumlah Risiko Per Okupasi ...................22
Table 4.2. Number of Risk By Occupation ........... 22
Klaim Asuransi Gempa Bumi Indonesia ..............
Indonesian Earthquake Insurance Claim ............
Tabel 5.1. Klaim Frekwensi Per Okupasi ...............24
Table 5.1. Claim Frequency By Occupation ......... 24
Tabel 5.2. Klaim Frekwensi Per Cresta Zone .........26
Table 5.2. Claim Frequency By Cresta Zone .......... 26
Tabel 5.3. Klaim Per Okupasi ................................28
Table 5.3. Claim By Occupation . .......................... 28
Tabel 5.4. Klaim Per Cresta Zone ..........................30
Table 5.4. Claim By Cresta Zone ........................... 30
ii
Profil Risiko dan Klaim ..........................................
Risk and Loss Profile ............................................
Underwriting Year 2009 -2013,
Underwriting Year 2009 -2013,
All Occupation ..................................................... 32
Seluruh Okupasi ..................................................32
Underwriting Year 2013, All Occupation ............ 33
Underwriting Year 2013, Seluruh Okupasi ...........33
Underwriting Year 2012, All Occupation ............ 34
Underwriting Year 2011, All Occupation ............. 35
Profil Risiko dan Klaim Underwriting Year
2013 Per Okupasi ...................................................
Risk and Loss Profile Underwriting Year
2013 By Occupation …...........................................
Okupasi Agrikultural .............................................38
Agricultural Occupation ....................................... 38
Okupasi Komersial ...............................................39
Commercial Occupation ...................................... 39
Okupasi Industrial ................................................40
Industrial Occupation .......................................... 40
Okupasi Residensial .............................................41
Residential Occupation ........................................ 41
2012 Per Okupasi ...................................................
2012 By Occupation …...........................................
Commercial Occupation ...................................... 43
Industrial Occupation .......................................... 44
2011 Per Okupasi ...................................................
2011 By Occupation …...........................................
Commercial Occupation ....................................... 47
Industrial Occupation ........................................... 48
2010 Per Okupasi ...................................................
2010 By Occupation …...........................................
iii
2009 Per Okupasi ...................................................
2009 By Occupation ..............................................
Okupasi Komersial ................................................55
Okupasi Industrial .................................................56
Okupasi Residential ..............................................57
Peta
Map
Distribusi Exposure Gempa Bumi Indonesia per
Provinsi, Underwriting Year 2013, per 30 Juni 2013
…….. ..................................................................... 58
Indonesian Earthquake Exposure Distribution By
Province, Underwriting Year 2013, as at 30 June
2013 .................................................................... 58
Distribusi Gempa Bumi Indonesia M > 5 dan Claim
Incurred 2013 …… .................................................59
Indonesian Earthquake Distribution M > 5 and
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
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
Damage Ratio ..................................................... 61
Lampiran
Attachments
1.
Daftar Istilah ..........................................63
1.
Glossaries .............................................. 63
2.
Tarif Asuransi Gempa Bumi Indonesia ….
................................................................65
2.
Indonesian Earthquake Insurance
Tariff ...................................................... 65
3.
Skala First Loss .......................................66
3.
First Loss Scale ...................................... 66
4.
Tabel jangka Waktu Pertanggungan
Kurang Dari Satu Tahun .........................67
4.
Short Period Table Less Than One Year
Period .................................................... 67
5.
Skala Indemnity Period ..........................68
5.
Indemnity Period Scale .......................... 68
6.
Tabel Cresta Zone dan Zona ………………..69
6.
Cresta Zone and Zone Table…………………69
Referensi
Refference
1.
1.
2.
Badan Pengawas Pasar Modal dan Lembaga
Keuangan (Bapepam-LK).
Badan Pusat Statistik (BPS).
2.
Capital Market and Financial Institution
Supervisory Agency (Bapepam-LK).
Central of Statistics Bureau (BPS).
*) Statistic Report is available on PT. Asuransi
MAIPARK Indonesia ‘s Website
www.maipark.com
*) Laporan Statistik ini dapat diperoleh di website
PT. Asuransi MAIPARK Indonesia
www.maipark.com
iv
Informasi Statistik
Statistic Information
1.
Statistik dibuat berdasarkan Underwriting
Year yang tercatat sampai dengan posisi
30 Juni 2013.
1.
Statistic Report is based on
Underwriting Year basis, which is
recorded as at 30 June 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.
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.
v
3.
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.
2.3 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 Untuk risiko yang ditutup secara
ko-asuransi, jumlah maksimum
sesi dari semua anggota koasuransi adalah sesuai dengan
ketentuan yang diatur dalam 2.1
diatas.
Sesi
masing-masing
perusahaan adalah proporsional
sebanding sahamnya dalam koasuransi.
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.
2.4 For risks which are covered by coinsurance, the maximum cession
from all members of coinsurance is
stipulated in point 2.1 above. Each
ceding
company
cedes
proportionally depending on its coinsurance share.
If there are policies other than coinsurance 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.
Tarif Premi Asuransi Gempa Bumi
Indonesia
3.
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).
Indonesian
Standard
Premium Tariff
Earthquake
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).
vi
4.
Obyek Pertanggungan
4.1 Obyek pertanggungan yang dapat
disesikan
adalah
obyek
pertanggungan
asuransi
kebakaran berupa :
4.2
5.
4.
Insured Object
4.1. Insured object which can be ceded
is fire insurance object such as :
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
4.1.1. Material damage :
 Building
 Foundation
 Excavation and
the like
 Stock
 Others
4.1.2. Business Interruption
 Gross Profit
 Wages
 Increase in cost of
working
 Others
Penutupan
sebagaimana
dimaksud pada butir 4.1. adalah
yang ditutup secara langsung
(direct business) termasuk koasuransi.
Penutupan
tidak
langsung (indirect business /
reasuransi) tidak dapat disesikan.
4.2. Insured object referred in point 4.1
is direct business, including
coinsurance. Indirect business /
reinsurance cannot be ceded.
Pelaporan Bordero
Pelaporan bordero dilakukan setiap
bulannya untuk semua risiko yang
ditutup pada bulan yang bersangkutan
dan sudah harus diterima selambatlambatnya pada akhir bulan berikutnya.
5.
vii
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.
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2013
Statistic Overview of Indonesia Earthquake Insurance June 2013
A. Umum
A. General
Based on Central of Statistics Bureau
Berdasarkan data Badan Pusat Statistik,
Perekonomian Indonesia pada tahun 2012
data,
sebagaimana diukur dari Pendapatan Domestik
measured by Gross Domestic Product (GDP),
Bruto
6,23%
increased by 6.23% compared with 2011.
Produk
Gross Domestic Product (GDP) based on
Domestik Bruto (PDB) Indonesia atas dasar
Constant Price 2000 in 2012 reached the
harga konstan 2000 pada tahun 2012
amount of Rp. 2,6181.1 trillion while in 2011
mencapai Rp. 2.6181,1 triliun sedangkan pada
was Rp. 2,464.7 trillion. If it is based on Current
tahun 2011 sebesar Rp. 2.464,7 triliun. Bila
Market Price,GDP in 2012 was Rp. 8,241.9
dilihat berdasarkan harga berlaku, PDB tahun
trillion while in 2011 was Rp. 7,422.8 trillion.
(PDB),
dibandingkan
tumbuh
tahun
sebesar
2011.
Nilai
Indonesian economic in 2012 as
2012 adalah sebesar Rp. 8.241,9 triliun
sedangkan tahun 2011 adalah Rp. 7.422,8
triliun.
B. Struktur Pasar
B. Market Structure
Berdasarkan data Badan Pengawas Pasar
Based on Capital Market and Financial
Modal dan Lembaga Keuangan (Bapepam-LK)
Institution Supervisory Agency (Bapepam-LK)
pada buku Direktori Perasuransian Indonesia
data in the book of Indonesian Insurance
2012, terdapat 83 perusahaan asuransi umum
Directory 2012, there are 83 general insurers
yang memiliki izin beroperasi di Indonesia.
having operating licenses in Indonesia.
C. Premi Bruto
C. Gross Premium
Sampai dengan 30 Juni 2013, premi bruto
As at 30 June 2013, earthquake gross
asuransi gempa bumi Underwriting Year 2009
premium for Underwriting Year 2009 was Rp.
adalah sebesar Rp.1.771,2 miliar. Premi bruto
1,771.2 billion. Gross premium for Underwriting
untuk Underwriting Year 2010 tercatat Rp.
Year 2010 was recorded Rp. 2,083.8 billion,
2.083,8 miliar sedangkan untuk Underwriting
while for Underwriting Year 2011 was Rp.
1
Year 2011 adalah Rp. 2.789,7 miliar. Untuk
2,789.7 billion. For Underwriting Year 2012 and
Underwriting Year 2012 dan 2013 adalah Rp.
2013 were Rp. 2,546.3 billion and Rp. 466.4
2.546,3 miliar dan Rp. 466,4 miliar. Angka –
billion. These
angka ini akan terus bergerak naik terutama
increase especially for Underwriting Year
untuk Underwriting Year 2012 dan 2013.
2012 and 2013.
figures
would certainly
Tabel 1.1 di bawah ini menyajikan rincian
The table 1.1 below presents the details of
premi bruto berdasarkan jenis okupasi dari
gross premium based on occupation from
Underwriting Year 2009 hingga Underwriting
Underwriting Year 2009 to Underwriting Year
Year 2013. Prosentase okupasi Industrial
2013. Industrial occupation always has the
selalu berada pada posisi pendapatan tertinggi
biggest percentage income compared to 3
dibanding 3 (tiga) okupasi lainnya (Agrikultural,
(three) remaining occupations (Agricultural,
Komersial, Residensial), yaitu di atas 55% dari
Commercial, Residential), that is above 55%
total premi.
from premium total.
Meskipun okupasi Komersial, Residensial
Although
occupation
of
Commercial,
dan Agrikultural tidak memberikan kontribusi
Residential and Agricultural do not contribute
premi sebesar okupasi Industrial, namun ketiga
premium as much as Industrial occupation,
okupasi tersebut memperlihatkan pertumbuhan
those three occupation show significant
premi yang cukup signifikan. Hal ini terlihat
premium growth. In this case, the premium
terutama pada premi okupasi Agrikultural pada
under Agricultural occupation in Underwriting
Underwriting Year 2010 yang meningkat
Year 2010 increased by 70.6% from Rp.
sebesar 70,6% dari Rp. 12.194,01 juta di
12,194.01 million in Underwriting Year 2009 to
Underwriting Year 2009 menjadi Rp. 20.801,51
Rp. 20,801.51 million.
juta.
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
Dalam Jutaan Rupiah
In Million Rupiah
Underwriting
Year
Okupasi
Total
Agrikultural / Agricultural
Komersial / Commercial
Industri / Industrial
Residensial / Residential
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 OT AL
85,571.30
3.88%
2,288,443.40
1,328,102.71
0.71
9,657,521.92
5,955,404.51
2
D. Number of Risks
D. Jumlah Risiko
Tabel 1.2 di bawah ini menyajikan jumlah
Table 1.2 below shows the number of
risiko pada Underwriting Year 2009 hingga
risks
from
Underwriting
Year
2009
to
Underwriting Year 2013 yang tercatat sampai
Underwriting Year 2013 recorded until 30 June
dengan 30 Juni 2013.
2013.
Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2013
Table 1.2 Number of Risk By Occupation as at 30 June 2013
Okupasi
U/Y 2009
Occupation
U/Y 2010
U/Y 2011
U/Y 2012
U/Y 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
12,939
9.93
13,851
8.42
14,971
9.14
15,679
10.06
3,332
9.81
I
Residensial / Residential R
Jumlah / Total
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
Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2013
Graph 1.1 Number of Risks by Occupation as at 30 June 2013
Industrial, 12,939
Agricultural, 379
Residential, 58,826
Commercial, 74,400
Industrial,
13,851
Commercial,
83,031
Commercial, 89,622
Residential, 42,727
Industrial, 14,971
Agricultural, 252
UY
2009
UY 2011
Residential,
67,156
Agricultural, 441
Industrial, 3,332
UY 2010
Commercial,
81,011
Industrial, 15,679
Commercial, 17,385
Residential, 13,196
Residential, 58,687
Agricultural, 414
UY 2013
UY 2012
3
Agricultural, 44
Jumlah
Underwriting
risiko
Year,
terbesar
dalam
untuk
hal
ini
setiap
The highest number of risks for each
dari
Underwriting
Year,
in
this
case
from
Underwriting Year 2009 sampai dengan
Underwriting Year 2009 to Underwriting Year
Underwriting Year 2013 ada pada okupasi
2013, is under Commercial occupation, which
Komersial, yaitu selalu berada pada rasio di
is always on the ratio above 50% from the total
atas 50% dari total risiko. Kemudian diikuti oleh
risk. Then, it is followed by Residential
okupasi Residensial dengan rasio di atas 32%.
occupation with ratio above 32%.
Jika terdapat asosiasi antara kontribusi
If there is any association between the
premi dengan banyaknya risiko maka belum
premium contribution and the number of risks
tentu asosiasi tersebut berbentuk linear dan
then the association is not necessarily linear
positif. Hal ini dibuktikan dengan apabila
nor positive. This is proved which the highest
melihat dari premi bruto tertinggi berada di
gross premium is on the industrial occupation
okupasi industrial sedangkan banyak risiko
while the highest total risk is under commercial
tertinggi berada pada okupasi komersial.
occupation.
E. Incurred Claim
E. Incurred Claim
Berdasarkan tabel 1.3 di bawah ini
Based on table 1.3 below, the highest
frekuensi klaim gempa bumi paling banyak
earthquake claim frequency occurred in
terjadi di Underwriting Year 2009 yaitu
underwriting year 2009 was 1,867 claims and it
sebanyak 1.867 klaim dan didominasi okupasi
dominated by Commercial occupation of 982
Komersial sebanyak 982 klaim. Hal ini
claims. It was caused by 2 (two) biggest
disebabkan oleh kejadian 2 (dua) gempa bumi
Earthquakes
yang terbesar di 2009 yaitu Gempa Bumi
Earthquake on 30 September 2009 with a
Pariaman pada tanggal 30 September 2009
magnitude of 7.6 S.R and Tasikmalaya
dengan kekuatan 7,6 S.R dan Gempa Bumi
Earthquake on 2 September 2009 with a
Tasikmalaya pada tanggal 2 September 2009
magnitude of 7.0 S.R.
dengan kekuatan 7,0 S.R.
4
in
2009
namely
Pariaman
Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2013
Table 1.3 Claim Frequency By Occupation as at 30 June 2013
Okupasi
Underwriting Year
Occupation
2009
2010
2011
2012
2013
Agrikultural / Agricultural
A
27
0
0
0
0
Komersial / Com m ercial
C
982
46
74
9
0
I
23
1
0
0
0
Residensial / Residential
R
835
11
34
2
0
1,867
58
108
11
0
Jumlah / Total
Dengan melihat tabel 1.4 tampak bahwa
Looking at table 1.4 below, it shows that
jumlah klaim terbesar juga berada pada
the largest claim is also in the Underwriting
Underwriting Year 2009. Klaim yang terbesar
Year 2009. The largest claim is under
adalah pada okupasi Komersial, yaitu 91,26%
Commercial occupation that is 91.26% of the
dari total klaim di Underwriting Year 2009 atau
total claim in Underwriting Year 2009 or
sebesar Rp. 894,7 miliar.
Rp. 894.7 billion.111111111111111111111111
Tabel 1.4 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2013
Table 1.4 Claim Amount By Occupation as at 30 June 2013
Dalam Rupiah
In Rupiah
Underwriting Year
Okupasi
2009
Occupation
Jumlah / Amount
Agrikultural / Agricultural A
Komersial / Commercial
C
I
Residensial / Residential R
Jumlah / Total
2010
%
2011
Jumlah / Amount
%
2012
Jumlah / Amount
%
Jumlah / Amount
2013
%
Jumlah / Amount
%
14,121,897,296.24
1.44
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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
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
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
Tabel 1.5 di bawah ini menyajikan kejadian
Table 1.5 below shows earthquake events
Gempa Bumi Tahun 2013 yang tercatat sampai
occurred in 2013 and the corresponding
dengan 30 Juni 2013.
incurred claims as at 30 June 2013.
Tabel 1.5 Kejadian Gempa Bumi Tahun 2013 dan Klaim per 30 Juni 2013
Table 1.5 Earthquak e Event in 2013 and Claim as at 30 June 2013
Dalam Rupiah
In Rupiah
Kejadian
Event
Tanggal Kejadian
Date of Loss
Kekuatan Gempa (S.R)
Magnitude (S.R)
Aceh
23 Januari 2013
6
5
Klaim
Claim
616,416,000
Tabel 1.6 menyajikan klaim Gempa Bumi
Table 1.6 presents Aceh Earthquake claim
Aceh yang terjadi pada tanggal 23 Januari
which
occurred
2013 (23.01.2013) sebesar Rp. 616,4 juta
(23.01.2013)
perjenis okupasi.
occupation.
i.e.
on
23
Rp.
January
616.4
2013
million
by
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
Okupasi
Occupation
Kejadian Gempa Bumi
Earthquake Event
Frekwensi
Tanggal Kejadian
Date of Loss
Aceh
23-Jan-13
Jumlah (Dalam Rupiah)
Frequency
Amount (in Rupiah)
Agrikultural /
Agricultural
Komersial /
Commercial
Industri /
Industrial
Residensial /
Residential
Agrikultural /
Agricultural
0
2
0
0
0
Tabel di bawah ini adalah daftar klaim
Komersial /
Commercial
616,416,000
Industri /
Industrial
Residensial /
Residential
0
0
The table below is a list of the largest claims as
terbesar sampai dengan tanggal 30 Juni 2013.
at 30 June 2013.
Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2013
List of The Largest Claims as at 30 June 2013
Dalam Rupiah
In Rupiah
No.
Kejadian
Event
Tanggal Kejadian
Date of Loss
Kekuatan Gempa (S.R)
Magnitude (S.R)
Klaim
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
6
Tabel 1.7 menyajikan data jumlah polis dan
Table 1.7 presents number of policies, and
loss ratio per 30 Juni 2013. Tabel tersebut
loss ratio as at 30 June 2013. The table show
menunjukkan bahwa loss ratio tertinggi berada
that the biggest loss ratio was at Underwriting
pada Underwriting Year 2009 sebesar 55,35 %.
Year 2009 i.e. 55.35%. It was influenced by
Hal ini dipengaruhi oleh nilai klaim yang cukup
large amount of claim that majority resulting
tinggi yang mayoritas disebabkan dari gempa
from Pariaman Earthquake and Tasikmalaya
Pariaman dan gempa Tasikmalaya.
Earthquake.
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
Underwriting
Year
2009
2010
2011
2012
2013
Jumlah Polis
Number of Policies
117,735
116,181
115,281
106,209
24,962
Premi *)
Premium *)
1,771,182,451,843.39
2,083,883,252,234.45
2,789,687,616,674.38
2,546,326,964,370.93
466,441,632,497.63
Frekwensi Klaim
Claim Frequency
1,867
58
108
11
0
Jumlah Klaim *)
Incurred Claim *)
980,367,080,771.12
42,703,869,847.83
15,734,970,173.35
1,315,434,751.54
0.00
Loss Ratio
55.35%
2.05%
0.56%
0.05%
0.00%
Keterangan :
*) Dalam Rupiah
In Rupiah
Tabel 1.8 menyajikan Premi dan Exposure per
Tabel 1.8 presents Premium and Exposure as
30 Juni 2013.
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
Dal am Jutaan Rupi ah
In Million Rupiah
Underwriting
Year
2009
2010
2011
2012
2013
Premi
Premium
1,771,182.45
2,083,883.25
2,789,687.62
2,546,326.96
466,441.63
7
Exposure
Exposure
1,490,828,121.41
1,649,667,085.89
2,133,499,663.66
1,866,798,720.03
329,012,092.00
National Aggregate Exposure By Cresta Zone
As At 30/06/2013
Tab le 2.1
in IDR
U/Y 2009
U/Y 2010
U/Y 2011
U/Y 2012
U/Y 2013
Cresta Zone
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
T OT AL
8
86,171.86
133,156.96
267,934.18
387,781.53
1,057,120.00
78,824.09
79,775.71
736,485.90
122,651.66
242,332.86
48,486.51
70,252.04
78,291.25
889,631.07
48,858.37
54,830.55
63,960.04
155,127.45
159,155.56
152,579.48
60,390.86
UY 2009
49,017.16
UY 2011
114,965.80
136,213.99
UY 2010
North Sumatera
South Sumatera
113,883.06
West Java
37,248.87
Central Java
28,196.53
270,309.92
East Java
191,675.69
1,012,243.08
9,786.73
Kalimantan
95,554.68
7,936.41
Sulawesi
Other Islands
25,623.51
63,339.43
15,114.25
59,437.48
13,430.11
86,761.13
165,269.94
UY 2013
UY 2012
9
National Aggregate Exposure By Occupation
As At 30/06/2013
in IDR
Tab le 2.2
U/Y 2009
Occupation
Amount
U/Y 2010
%
Amount
U/Y 2011
%
Amount
U/Y 2012
%
Amount
U/Y 2013
%
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
T OT AL
10
( In Billion IDR )
Industrial,
982,965.04
Industrial,
1,357,710.58
Commercial,
528,585.35
Residential,
171,466.66
Industrial,
1,056,707.03
Commercial,
325,666.32
Agricultural,
19,568.13
Agricultural,
10,730.10
Commercial,
306,433.80
UY 2009
Residential,
227,635.60
UY 2011
Residential,
268,946.43
Agricultural,
17,579.83
UY 2010
Industrial,
1,206,663.70
Residential,
221,243.66
Industrial, 185,811.10
Commercial,
92,428.13
Commercial,
416,627.21
Agricultural,
22,264.16
Agricultural, 859.27
Residential,
49,913.59
UY 2012
UY 2013
11
National Aggregate Exposure By Interest
As At 30/06/2013
Tab le 2.3
Interest
In IDR
U/Y 2009
Amount
U/Y 2010
%
Amount
U/Y 2011
%
Amount
U/Y 2012
%
Amount
U/Y 2013
%
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
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
T OT AL
12
1,000,000.00
900,000.00
800,000.00
700,000.00
600,000.00
Building
Machinery
500,000.00
Stock
Others
400,000.00
Business Interruption
300,000.00
200,000.00
100,000.00
0.00
UY 2009
UY 2010
UY 2011
UY 2012
13
UY 2013
National Aggregate Exposure By Province
As At 30/06/2013
Tab le 2.4
In IDR
Province
U/Y 2009
Amount
01. NAD
U/Y 2010
%
Amount
U/Y 2011
%
Amount
U/Y 2012
%
Amount
U/Y 2013
%
Amount
%
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
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
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
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
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
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
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
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
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
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
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
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
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
05. JAMBI
06. SUMATERA SELATAN
07. BENGKULU
13. JAWA TENGAH
14. DIY
17. BALI
18. NUSA TENGGARA BARAT
19. NUSA TENGGARA TIMUR
26. SULAWESI SELATAN
27. SULAWESI TENGGARA
28. GORONTALO
T OT AL
14
National Gross Premium By Cresta Zone
As At 30/06/2013
Tab le 3.1
in IDR
U/Y 2009
U/Y 2010
U/Y 2011
U/Y 2012
U/Y 2013
Cresta Zone
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
T OT AL
15
(in Billion IDR)
169.15
182.82
875.79
471.25
78.06
1,186.30
103.13
59.50
61.47
103.41
1,482.82
78.43
160.21
92.75
199.89
96.63
144.89
105.30
315.48
181.63
68.65
281.53
77.25
UY 2009
68.41
UY 2011
UY 2010
144.26
North Sumatera
335.70
South Sumatera
88.12
32.32
17.64
West Java
23.52
Central Java
10.44
91.67
293.13
9.07
89.19
East Java
1,481.44
115.34
36.14
Kalimantan
44.19
Sulawesi
200.59
Other Islands
UY 2013
UY 2012
16
National Gross Premium By Occupation
As At 30/06/2013
in IDR
Tab le 3.2
U/Y 2009
Occupation
Amount
U/Y 2010
%
Amount
U/Y 2011
%
Amount
U/Y 2012
%
Amount
U/Y 2013
%
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
T OT AL
17
( In Billion IDR )
Residential,
230.04
Industrial,
1,123.91
Industrial,
1,697.08
Commercial,
735.11
Industrial,
1,282.98
Agricultural,
12.19
Commercial,
422.81
Commercial,
405.04
Residential,
334.24
Agricultural,
23.25
UY 2009
UY 2011
Residential,
357.29
Agricultural,
20.80
UY 2010
Industrial, 1,592.81
Residential, 333.06
Commercial, 133.15
Industrial, 258.62
Agricultural, 28.12
Agricultural, 1.21
UY 2012
Commercial,
592.34
Residential, 73.47
18
UY 2013
2010
National Gross Premium By Province
As At 30/06/2013
Tab le 3.3
In IDR
Province
U/Y 2009
U/Y 2010
U/Y 2011
U/Y 2012
U/Y 2013
Amount
%
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
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
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
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
01. NAD
05. JAMBI
06. SUMATERA SELATAN
07. BENGKULU
Amount
%
Amount
%
Amount
%
Amount
%
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
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
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
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
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
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
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
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
17. BALI
18. NUSA TENGGARA BARAT
19. NUSA TENGGARA TIMUR
26. SULAWESI SELATAN
27. SULAWESI TENGGARA
28. GORONTALO
T OT AL
19
Number Of Risk By Cresta Zone
As At 30/06/2013
Tab le 4.1
Cresta Zone
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
33,957
TOTAL
20
80,000
UY 2009
70,000
UY 2010
UY 2011
60,000
UY 2012
UY 2013
50,000
40,000
30,000
20,000
10,000
0
North Sumatera
South Sumatera
West Java
Central Java
East Java
21
Kalimantan
Sulawesi
Other Islands
Number Of Risk By Occupation
As At 30/06/2013
Tab le 4.2
Occupation
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
TOTAL
22
Industrial, 12,939
Agricultural, 379
Residential, 58,826
Commercial, 74,400
Industrial,
13,851
Commercial,
83,031
Commercial, 89,622
Residential, 42,727
Industrial, 14,971
Agricultural, 252
UY
2009
UY 2011
Residential,
67,156
Agricultural, 441
Industrial, 3,332
UY 2010
Commercial,
81,011
Industrial, 15,679
Commercial, 17,385
Residential, 13,196
Residential, 58,687
Agricultural, 414
UY 2013
UY 2012
23
Agricultural, 44
Claim Frequency by Occupation
As At 30/06/2013
Tab le 5.1
Occupation
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
0
TOTAL
24
982
1,000
900
835
800
Agricultural
700
Commercial
600
Indus trial
Residential
500
400
300
200
74
100
27
23
46
0
1
11
34
0
0
0
9
0
2
0
0
0
0
UY 2009
UY 2010
UY 2011
25
UY 2012
UY 2013
0
Claim Frequency by Cresta Zone
As At 30/06/2013
Tab le 5.2
Cresta Zone
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
PADANG
1
2.1
12
1,599
7
0
16
7
4
0
0
0
PALEMBANG
2.2
0
0
0
0
0
OTHERS
2.3
16
1
13
1
0
SOUTH SUMATERA
JAKARTA
2
3.1
1,615
37
1
1
20
2
1
0
0
0
BANDUNG
3.2
96
0
1
0
0
OTHERS
3.3
75
1
2
1
0
WEST JAVA
SEMARANG
3
4.1
208
0
2
0
5
0
1
0
0
0
YOGYAKARTA
4.2
1
5
0
0
0
OTHERS
4.3
2
7
0
0
0
CENTRAL JAVA
SURABAYA
4
5.1
3
0
12
0
0
0
0
0
0
0
OTHERS
5.2
0
2
0
0
0
EAST JAVA
KALIMANTAN
5
6
0
0
2
0
0
0
0
0
0
0
UJUNG PANDANG
7.1
0
1
0
0
0
OTHERS
7.2
0
2
1
1
0
SULAWESI
OTHER ISLANDS
7
8
0
29
3
31
1
66
1
4
0
0
1,867
58
108
11
0
TOTAL
26
1,800
1615
North Sumatera
1,600
South Sumatera
DKI & West Java
DIY & Central Java
1,400
East Java
Kalimantan
1,200
Sulawesi
Other Islands
1,000
800
600
400
208
200
12
3
0 0
0
29
7
1
2 12 2 0 3
31
66
16
20
5 0
0
0 1
4
1
1
0
0
0
1
4
0
0
0
0
0
0
UY 2009
UY 2010
UY 2011
27
UY 2012
UY 2013
0
0
0
Claim by Occupation
As At 30/06/2013
Tab le 5.3
In IDR
Occupation
U/Y 2009
Amount
U/Y 2010
%
Amount
U/Y 2011
%
Amount
U/Y 2012
%
Amount
U/Y 2013
%
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
TOTAL
28
Commercial
91.26%
Commercial
94.35%
Commercial
97.27%
Industrial
0.45%
Agricultural
1.44%
Agricultural
0.00%
Residential
5.65%
Residential
6.85%
Agricultural
0.00%
UY 2009
Industrial
0.00%
UY 2011
Industrial
1.78%
Residential
0.95%
Commercial
88.60%
UY 2010
Agricultural
0.00%
Industrial
0.00%
Residential
11.40%
UY 2013
UY 2012
29
Claim by Cresta Zone
As At 30/06/2013
Tab le 5.4
In IDR
Cresta Zone
U/Y 2009
Amount
U/Y 2010
%
Amount
U/Y 2011
%
Amount
U/Y 2012
%
Amount
U/Y 2013
%
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
TOTAL
30
( In Million IDR )
South Sumatera,
1,510.23
South Sumatera,
868,835.00
Central Java,
34,381.97
West Java, 154.45
Central Java, 0.00
East Java, 0.00
Kalimantan, 0.00
Sulawesi, 50.00
North Sumatera,
6,652.18
West Java, 23,776.64
Other Islands,
North Sumatera,
44,083.66
43,490.42
Sulawesi, 0.00 Central Java, 181.36
East Java, 0.00
Kalimantan, 0.00
UY 2009
North Sumatera,
423.35
South Sumatera,
10.00
Other Islands,
7,368.11
East Java, 46.01
Kalimantan, 0.00
Sulawesi, 850.72
West Java, 39.84
Other Islands,
6,951.99
UY 2011
UY 2010
Other Islands, 419.51
North Sumatera,
720.55
North Sumatera
South Sumatera
West Java
Central Java
Sulawesi, 75.37
East Java
Kalimantan, 0.00
East Java, 0.00
Central Java, 0.00
West Java, 50.00
Kalimantan
Sulawesi
Other Islands
South Sumatera,
50.00
UY 2013
UY 2012
31
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2009 - 2013
OCCUPATION
: ALL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in Million Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In Million Rp)
LOSS RATIO
(In Million Rp)
BAND
F
(a)
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
PERCENTAGE
BAND
(d)/∑(d)
(f )
Rp
CUM
∑(f)
rp
(g)
(h)
∑(h)
(i)
PERCENTAGE
BAND
(i)/∑(i)
(j)
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
PERCENTAGE
BAND
(m)/∑(m)
(n)
Rp
CUM
∑(n)
rp
(o)
(p)
∑(p)
(q)
PERCENTAGE
BAND
(q)/∑(q)
CUM
∑(r)
(r)
(s)
PERCENTAGE
BAND
(p)/(h)
(t)
CUM
q/i
(u)
1
0.00
50.00
69,865
69,865
10.78
10.78
2,543.76
2,543.76
0.03
0.03
85
85
4.16
4.16
2,310.88
2,310.88
0.22
0.22
90.84
90.84
2
50.00
100.00
50,337
120,202
7.76
18.54
5,752.71
8,296.48
0.06
0.09
143
228
7.00
11.15
3,731.08
6,041.95
0.36
0.58
64.86
72.83
3
100.00
200.00
73,703
193,905
11.37
29.91
15,974.44
24,270.91
0.17
0.25
305
533
14.92
26.08
9,107.78
15,149.74
0.88
1.46
57.01
62.42
4
200.00
300.00
51,718
245,623
7.98
37.88
18,466.13
42,737.04
0.19
0.44
233
766
11.40
37.48
12,904.73
28,054.47
1.24
2.70
69.88
65.64
5
300.00
500.00
74,389
320,012
11.47
49.36
42,574.67
85,311.71
0.44
0.88
351
1,117
17.17
54.65
39,044.52
67,098.99
3.75
6.45
91.71
78.65
6
500.00
750.00
58,428
378,440
9.01
58.37
50,527.41
135,839.12
0.52
1.41
180
1,297
8.81
63.45
32,820.89
99,919.88
3.16
9.61
64.96
73.56
7
750.00
1,000.00
53,868
432,308
8.31
66.68
65,779.31
201,618.43
0.68
2.09
153
1,450
7.49
70.94
20,511.07
120,430.95
1.97
11.58
31.18
59.73
8
1,000.00
1,500.00
47,429
479,737
7.32
73.99
81,357.23
282,975.66
0.84
2.93
92
1,542
4.50
75.44
20,484.65
140,915.60
1.97
13.55
25.18
49.80
9
1,500.00
2,000.00
28,423
508,160
4.38
78.38
69,374.20
352,349.86
0.72
3.65
74
1,616
3.62
79.06
24,617.60
165,533.20
2.37
15.91
35.49
46.98
10
2,000.00
2,500.00
17,720
525,880
2.73
81.11
54,943.04
407,292.90
0.57
4.22
41
1,657
2.01
81.07
21,454.62
186,987.82
2.06
17.98
39.05
45.91
11
2,500.00
3,000.00
14,195
540,075
2.19
83.30
53,996.40
461,289.30
0.56
4.78
30
1,687
1.47
82.53
8,455.22
195,443.04
0.81
18.79
15.66
42.37
12
3,000.00
4,000.00
17,671
557,746
2.73
86.03
84,811.72
546,101.03
0.88
5.65
42
1,729
2.05
84.59
16,627.44
212,070.49
1.60
20.39
19.61
38.83
13
4,000.00
5,000.00
12,601
570,347
1.94
87.97
78,575.14
624,676.17
0.81
6.47
26
1,755
1.27
85.86
10,105.96
222,176.45
0.97
21.36
12.86
35.57
14
5,000.00
7,500.00
17,174
587,521
2.65
90.62
143,389.81
768,065.98
1.48
7.95
46
1,801
2.25
88.11
16,710.61
238,887.06
1.61
22.97
11.65
31.10
15
7,500.00
10,000.00
11,161
598,682
1.72
92.34
134,676.95
902,742.93
1.39
9.35
44
1,845
2.15
90.26
35,730.06
274,617.12
3.44
26.40
26.53
30.42
16
10,000.00
20,000.00
17,709
616,391
2.73
95.07
343,662.44
1,246,405.37
3.56
12.91
61
1,906
2.98
93.25
126,347.51
400,964.63
12.15
38.55
36.77
32.17
17
20,000.00
50,000.00
15,155
631,546
2.34
97.41
628,263.00
1,874,668.37
6.51
19.41
46
1,952
2.25
95.50
116,544.62
517,509.25
11.20
49.75
18.55
27.61
18
50,000.00
7,270
638,816
1.12
98.53
657,104.80
2,531,773.17
6.80
26.22
25
1,977
1.22
96.72
12,277.01
529,786.26
1.18
50.94
1.87
20.93
19
100,000.00
7,550
646,366
1.16
99.70
2,008,539.72
4,540,312.89
20.80
47.01
47
2,024
2.30
99.02
143,602.90
673,389.16
13.81
64.74
7.15
14.83
20
500,000.00
100,000.0
0
500,000.0
0
UP
1,977
648,343
0.30
100.00
5,117,209.03
9,657,521.92
52.99
100.00
20
2,044
0.98
100.00
366,732.19
1,040,121.36
35.26
100.00
7.17
10.77
32
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2013
OCCUPATION
: ALL
PROCESSING DATE 13/08/2013
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
PERCENTA GE
B A ND
(d)/ ∑(d
)
(f )
0.00
50.00
954
954
2.81
2
50.00
100.00
1,585
2,539
3
100.00
200.00
3,107
5,646
4
200.00
300.00
2,792
5
300.00
500.00
6
500.00
7
750.00
8
1,000.00
PERCENTA GE
Rp
CUM
∑(f )
rp
(g)
(h)
B A ND
(i)/ ∑(i)
∑(h)
(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
(n)
Rp
PERCENTA GE
CU
M
∑(n)
rp
(o)
(p)
(q)
(r)
∑(p)
B A ND
(q)/ ∑(q)
CU
M
∑(r)
PERCENTA GE
B A ND
(p)/ (h)
CU
M
q/ i
(s)
(t)
(u)
2.81
43.70
43.70
0.01
0.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4.67
7.48
178.06
221.76
0.04
0.05
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9.15
16.63
709.99
931.75
0.15
0.20
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8,438
8.22
24.85
1,040.43
1,972.17
0.22
0.42
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4,392
12,830
12.93
37.78
2,584.80
4,556.98
0.55
0.98
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
750.00
4,148
16,978
12.22
50.00
3,663.14
8,220.12
0.79
1.76
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,000.00
3,017
19,995
8.88
58.88
3,790.70
12,010.83
0.81
2.57
0
0
0.00
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
5,324.70
17,335.52
1.14
3.72
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
1,894
24,823
5.58
73.10
4,846.49
22,182.02
1.04
4.76
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
1,193
26,016
3.51
76.61
3,872.82
26,054.84
0.83
5.59
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
946
26,962
2.79
79.40
3,795.46
29,850.31
0.81
6.40
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
1,168
28,130
3.44
82.84
5,818.19
35,668.50
1.25
7.65
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13
4,000.00
5,000.00
932
29,062
2.74
85.58
5,970.47
41,638.97
1.28
8.93
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
14
5,000.00
7,500.00
1,226
30,288
3.61
89.20
10,475.99
52,114.96
2.25
11.17
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15
7,500.00
10,000.00
739
31,027
2.18
91.37
9,243.45
61,358.42
1.98
13.15
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16
10,000.00
20,000.00
1,075
32,102
3.17
94.54
21,584.69
82,943.10
4.63
17.78
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17
20,000.00
50,000.00
858
32,960
2.53
97.06
39,114.29
122,057.39
8.39
26.17
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18
50,000.00
461
33,421
1.36
98.42
45,945.32
168,002.72
9.85
36.02
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19
100,000.00
446
33,867
1.31
99.73
133,552.62
301,555.34
28.63
64.65
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20
500,000.00
100,000.0
0
500,000.0
0
UP
90
33,957
0.27
100.00
164,886.29
466,441.63
35.35
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
33
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2012
OCCUPATION
: ALL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
PERCENTA GE
B A ND
(d)/ ∑(
d)
Rp
CUM
∑(f )
rp
(g)
(h)
FROM
TO
f
(b)
(c)
(d)
(e)
(f )
9.68
9.68
552.04
∑(d)
PERCENTA GE
B A ND
(i)/ ∑(i)
CUM
∑(j)
f
(j)
(k)
(l)
552.04
0.02
0.02
0
∑(h)
(i)
PERCENTA GE
F
B A ND
(m)/ ∑(m)
Rp
PERCENTA GE
CUM
∑(n)
rp
(n)
(o)
(p)
0
0.00
0.00
0.00
0.00
0.00
∑(l)
(m)
∑(p)
(q)
B A ND
(q)/ ∑(q)
(r)
CUM
∑(r)
(s)
PERCENTA GE
B A ND
(p)/ (h)
CU
M
q/ i
(t)
(u)
0.00
0.00
0.00
0.00
50.00
15,078
15,078
2
50.00
100.00
12,310
27,388
7.90
17.58
1,407.06
1,959.10
0.06
0.08
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
17,944
45,332
11.52
29.10
3,945.46
5,904.56
0.15
0.23
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
12,935
58,267
8.30
37.40
4,783.07
10,687.63
0.19
0.42
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
18,265
76,532
11.72
49.12
10,825.29
21,512.92
0.43
0.84
1
1
9.09
9.09
50.00
50.00
3.80
3.80
0.46
0.23
6
500.00
750.00
12,804
89,336
8.22
57.34
11,367.46
32,880.38
0.45
1.29
0
1
0.00
9.09
0.00
50.00
0.00
3.80
0.00
0.15
7
750.00
1,000.00
11,434
100,770
7.34
64.68
14,663.92
47,544.30
0.58
1.87
0
1
0.00
9.09
0.00
50.00
0.00
3.80
0.00
0.11
8
1,000.00
1,500.00
11,239
112,009
7.21
71.90
20,079.37
67,623.67
0.79
2.66
1
2
9.09
18.18
50.00
100.00
3.80
7.60
0.25
0.15
9
1,500.00
2,000.00
7,218
119,227
4.63
76.53
18,205.15
85,828.82
0.71
3.37
2
4
18.18
36.36
529.64
629.64
40.26
47.87
2.91
0.73
10
2,000.00
2,500.00
4,600
123,827
2.95
79.48
14,656.64
100,485.46
0.58
3.95
1
5
9.09
45.45
62.33
691.97
4.74
52.60
0.43
0.69
11
2,500.00
3,000.00
3,739
127,566
2.40
81.88
14,784.19
115,269.65
0.58
4.53
0
5
0.00
45.45
0.00
691.97
0.00
52.60
0.00
0.60
12
3,000.00
4,000.00
4,636
132,202
2.98
84.86
23,019.05
138,288.70
0.90
5.43
0
5
0.00
45.45
0.00
691.97
0.00
52.60
0.00
0.50
13
4,000.00
5,000.00
3,268
135,470
2.10
86.96
21,142.87
159,431.57
0.83
6.26
0
5
0.00
45.45
0.00
691.97
0.00
52.60
0.00
0.43
14
5,000.00
7,500.00
4,541
140,011
2.91
89.87
38,700.37
198,131.94
1.52
7.78
1
6
9.09
54.55
56.38
748.36
4.29
56.89
0.15
0.38
15
7,500.00
10,000.00
2,948
142,959
1.89
91.76
36,367.49
234,499.43
1.43
9.21
0
6
0.00
54.55
0.00
748.36
0.00
56.89
0.00
0.32
16
10,000.00
20,000.00
4,644
147,603
2.98
94.74
91,501.50
326,000.93
3.59
12.80
4
10
36.36
90.91
562.94
1,311.30
42.80
99.69
0.62
0.40
17
20,000.00
50,000.00
3,817
151,420
2.45
97.19
164,662.29
490,663.22
6.47
19.27
0
10
0.00
90.91
0.00
1,311.30
0.00
99.69
0.00
0.27
18
50,000.00
1,935
153,355
1.24
98.44
185,402.61
676,065.83
7.28
26.55
0
10
0.00
90.91
0.00
1,311.30
0.00
99.69
0.00
0.19
19
100,000.00
1,928
155,283
1.24
99.67
548,437.62
1,224,503.45
21.54
48.09
1
11
9.09
100.00
4.14
1,315.43
0.31
100.00
0.00
0.11
20
500,000.00
100,000.0
0
500,000.0
0
UP
508
155,791
0.33
100.00
1,321,823.51
2,546,326.96
51.91
100.00
0
11
0.00
100.00
0.00
1,315.43
0.00
100.00
0.00
0.05
34
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2011
OCCUPATION
: ALL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
PERCENTAGE
BAND
(d)/ ∑(d)
FROM
TO
f
(b)
(c)
(d)
(e)
(f )
∑(d)
Rp
CUM
∑(f )
rp
(g)
(h)
∑(h)
(i)
PERCENTAGE
BAND
(i)/ ∑(i)
PERCENTAGE
F
CUM
∑(j)
f
(j)
(k)
(l)
∑(l)
(m)
BAND
(m)/ ∑(m)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
∑(p)
(q)
PERCENTAGE
BAND
(q)/ ∑(q)
CUM
∑(r)
PERCENTAGE
BAND
(p)/ (h)
CUM
q/ i
(r)
(s)
(t)
(u)
1
0.00
50.00
16,179
16,179
9.88
9.88
657.61
657.61
0.02
0.02
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
12,460
28,639
7.61
17.48
1,478.49
2,136.10
0.05
0.08
2
2
1.85
1.85
53.80
53.80
0.34
0.34
3.64
2.52
3
100.00
200.00
18,838
47,477
11.50
28.99
4,222.29
6,358.39
0.15
0.23
5
7
4.63
6.48
137.53
191.33
0.87
1.22
3.26
3.01
4
200.00
300.00
13,339
60,816
8.14
37.13
4,841.04
11,199.43
0.17
0.40
5
12
4.63
11.11
56.98
248.31
0.36
1.58
1.18
2.22
5
300.00
500.00
19,042
79,858
11.63
48.75
11,162.85
22,362.27
0.40
0.80
26
38
24.07
35.19
277.11
525.43
1.76
3.34
2.48
2.35
6
500.00
750.00
13,117
92,975
8.01
56.76
11,528.18
33,890.45
0.41
1.21
8
46
7.41
42.59
260.23
785.66
1.65
4.99
2.26
2.32
7
750.00
1,000.00
13,495
106,470
8.24
65.00
17,210.49
51,100.94
0.62
1.83
4
50
3.70
46.30
126.18
911.84
0.80
5.80
0.73
1.78
8
1,000.00
1,500.00
13,645
120,115
8.33
73.33
23,973.34
75,074.28
0.86
2.69
4
54
3.70
50.00
133.04
1,044.89
0.85
6.64
0.55
1.39
9
1,500.00
2,000.00
7,347
127,462
4.49
77.82
18,469.01
93,543.30
0.66
3.35
5
59
4.63
54.63
448.42
1,493.30
2.85
9.49
2.43
1.60
10
2,000.00
2,500.00
4,631
132,093
2.83
80.64
14,839.28
108,382.57
0.53
3.89
3
62
2.78
57.41
189.22
1,682.52
1.20
10.69
1.28
1.55
11
2,500.00
3,000.00
3,642
135,735
2.22
82.87
14,405.17
122,787.75
0.52
4.40
3
65
2.78
60.19
193.30
1,875.82
1.23
11.92
1.34
1.53
12
3,000.00
4,000.00
4,679
140,414
2.86
85.72
23,048.72
145,836.47
0.83
5.23
4
69
3.70
63.89
129.87
2,005.69
0.83
12.75
0.56
1.38
13
4,000.00
5,000.00
3,316
143,730
2.02
87.75
21,262.28
167,098.75
0.76
5.99
4
73
3.70
67.59
216.61
2,222.29
1.38
14.12
1.02
1.33
14
5,000.00
7,500.00
4,456
148,186
2.72
90.47
38,667.98
205,766.73
1.39
7.38
8
81
7.41
75.00
3,552.15
5,774.44
22.57
36.70
9.19
2.81
15
7,500.00
10,000.00
2,907
151,093
1.77
92.24
36,355.80
242,122.54
1.30
8.68
3
84
2.78
77.78
238.02
6,012.46
1.51
38.21
0.65
2.48
16
10,000.00
20,000.00
4,560
155,653
2.78
95.03
91,387.74
333,510.28
3.28
11.96
5
89
4.63
82.41
746.76
6,759.23
4.75
42.96
0.82
2.03
17
20,000.00
50,000.00
3,898
159,551
2.38
97.41
167,997.38
501,507.65
6.02
17.98
9
98
8.33
90.74
1,427.55
8,186.77
9.07
52.03
0.85
1.63
18
50,000.00
1,797
161,348
1.10
98.50
167,849.47
669,357.12
6.02
23.99
4
102
3.70
94.44
1,496.27
9,683.04
9.51
61.54
0.89
1.45
19
100,000.00
1,905
163,253
1.16
99.67
521,447.84
1,190,804.95
18.69
42.69
6
108
5.56
100.00
6,051.93
15,734.97
38.46
100.00
1.16
1.32
20
500,000.00
100,000.0
0
500,000.0
0
UP
545
163,798
0.33
100.00
1,598,882.66
2,789,687.62
57.31
100.00
0
108
0.00
100.00
0.00
15,734.97
0.00
100.00
0.00
0.56
35
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2010
OCCUPATION
: ALL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
FROM
TO
f
(b)
(c)
(d)
(e)
∑(d)
PERCENTAGE
BAND
(d)/ ∑(
d)
(f )
Rp
CUM
∑(f )
rp
(g)
(h)
∑(h)
(i)
PERCENTAGE
BAND
(i)/ ∑(i)
(j)
PERCENTAGE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
BAND
(m)/ ∑(m
)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
∑(p)
(q)
PERCENTAGE
BAND
(q)/ ∑(q)
CUM
∑(r)
(r)
(s)
PERCENTAGE
BAND
(p)/ (h)
CU
M
q/ i
(t)
(u)
1
0.00
50.00
19,818
19,818
12.05
12.05
699.36
699.36
0.03
0.03
1
1
1.72
1.72
0.30
0.30
0.00
0.00
0.04
0.04
2
50.00
100.00
14,510
34,328
8.82
20.87
1,676.23
2,375.59
0.08
0.11
1
2
1.72
3.45
11.00
11.30
0.03
0.03
0.66
0.48
3
100.00
200.00
20,019
54,347
12.17
33.04
4,340.67
6,716.26
0.21
0.32
2
4
3.45
6.90
27.92
39.22
0.07
0.09
0.64
0.58
4
200.00
300.00
12,895
67,242
7.84
40.88
4,661.86
11,378.12
0.22
0.55
1
5
1.72
8.62
15.00
54.22
0.04
0.13
0.32
0.48
5
300.00
500.00
18,133
85,375
11.02
51.91
10,517.38
21,895.49
0.50
1.05
5
10
8.62
17.24
78.46
132.68
0.18
0.31
0.75
0.61
6
500.00
750.00
15,921
101,296
9.68
61.59
13,920.48
35,815.97
0.67
1.72
3
13
5.17
22.41
224.71
357.40
0.53
0.84
1.61
1.00
7
750.00
1,000.00
14,443
115,739
8.78
70.37
17,287.07
53,103.04
0.83
2.55
4
17
6.90
29.31
127.64
485.04
0.30
1.14
0.74
0.91
8
1,000.00
1,500.00
10,773
126,512
6.55
76.92
18,429.64
71,532.68
0.88
3.43
4
21
6.90
36.21
458.65
943.69
1.07
2.21
2.49
1.32
9
1,500.00
2,000.00
6,562
133,074
3.99
80.91
16,264.56
87,797.25
0.78
4.21
3
24
5.17
41.38
886.82
1,830.51
2.08
4.29
5.45
2.08
10
2,000.00
2,500.00
4,211
137,285
2.56
83.47
13,225.44
101,022.69
0.63
4.85
5
29
8.62
50.00
83.01
1,913.52
0.19
4.48
0.63
1.89
11
2,500.00
3,000.00
3,257
140,542
1.98
85.45
12,392.56
113,415.25
0.59
5.44
2
31
3.45
53.45
331.24
2,244.75
0.78
5.26
2.67
1.98
12
3,000.00
4,000.00
3,984
144,526
2.42
87.87
19,529.71
132,944.96
0.94
6.38
3
34
5.17
58.62
139.58
2,384.34
0.33
5.58
0.71
1.79
13
4,000.00
5,000.00
2,799
147,325
1.70
89.57
17,799.07
150,744.03
0.85
7.23
2
36
3.45
62.07
216.56
2,600.90
0.51
6.09
1.22
1.73
14
5,000.00
7,500.00
3,772
151,097
2.29
91.86
31,773.08
182,517.11
1.52
8.76
1
37
1.72
63.79
3.72
2,604.62
0.01
6.10
0.01
1.43
15
7,500.00
10,000.00
2,434
153,531
1.48
93.34
30,161.14
212,678.25
1.45
10.21
2
39
3.45
67.24
12.69
2,617.31
0.03
6.13
0.04
1.23
16
10,000.00
20,000.00
3,894
157,425
2.37
95.71
77,513.59
290,191.83
3.72
13.93
1
40
1.72
68.97
76.77
2,694.08
0.18
6.31
0.10
0.93
17
20,000.00
50,000.00
3,348
160,773
2.04
97.75
142,207.18
432,399.01
6.82
20.75
4
44
6.90
75.86
158.63
2,852.71
0.37
6.68
0.11
0.66
18
50,000.00
1,584
162,357
0.96
98.71
146,523.93
578,922.94
7.03
27.78
6
50
10.34
86.21
236.79
3,089.50
0.55
7.23
0.16
0.53
19
100,000.00
1,693
164,050
1.03
99.74
434,005.36
1,012,928.30
20.83
48.61
4
54
6.90
93.10
3,680.92
6,770.42
8.62
15.85
0.85
0.67
20
500,000.00
100,000.0
0
500,000.0
0
UP
429
164,479
0.26
100.00
1,070,954.95
2,083,883.25
51.39
100.00
4
58
6.90
100.00
35,933.45
42,703.87
84.15
100.00
3.36
2.05
36
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2009
OCCUPATION
: ALL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
PERCENTAGE
∑(d)
BAND
(d)/ ∑(
d)
(d)
(e)
(f )
FROM
TO
f
(b)
(c)
Rp
CUM
∑(f )
rp
(g)
(h)
∑(h)
(i)
PERCENTAGE
BAND
(i)/ ∑(i)
(j)
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
PERCENTAGE
BAND
(m)/ ∑(m)
(n)
Rp
CUM
∑(n)
rp
(o)
(p)
∑(p)
(q)
PERCENTAGE
BAND
(q)/ ∑(q)
CUM
∑(r)
PERCENTAGE
BAND
(p)/ (h)
(r)
(s)
(t)
CUM
q/ i
(u)
1
0.00
50.00
17,836
17,836
13.69
13.69
591.05
591.05
0.03
0.03
84
84
4.50
4.50
2,310.58
2,310.58
0.24
0.24
390.93
390.93
2
50.00
100.00
9,472
27,308
7.27
20.95
1,012.88
1,603.93
0.06
0.09
140
224
7.50
12.00
3,666.27
5,976.85
0.37
0.61
361.97
372.64
3
100.00
200.00
13,795
41,103
10.59
31.54
2,756.03
4,359.96
0.16
0.25
298
522
15.96
27.96
8,942.34
14,919.18
0.91
1.52
324.46
342.19
4
200.00
300.00
9,757
50,860
7.49
39.03
3,139.73
7,499.69
0.18
0.42
227
749
12.16
40.12
12,832.75
27,751.93
1.31
2.83
408.72
370.04
5
300.00
500.00
14,557
65,417
11.17
50.20
7,484.35
14,984.05
0.42
0.85
319
1,068
17.09
57.20
38,638.94
66,390.88
3.94
6.77
516.26
443.08
6
500.00
750.00
12,438
77,855
9.54
59.74
10,048.15
25,032.20
0.57
1.41
169
1,237
9.05
66.26
32,335.95
98,726.83
3.30
10.07
321.81
394.40
7
750.00
1,000.00
11,479
89,334
8.81
68.55
12,827.12
37,859.32
0.72
2.14
145
1,382
7.77
74.02
20,257.24
118,984.07
2.07
12.14
157.93
314.28
8
1,000.00
1,500.00
8,838
98,172
6.78
75.33
13,550.19
51,409.50
0.77
2.90
83
1,465
4.45
78.47
19,842.96
138,827.02
2.02
14.16
146.44
270.04
9
1,500.00
2,000.00
5,402
103,574
4.15
79.48
11,588.98
62,998.48
0.65
3.56
64
1,529
3.43
81.90
22,752.72
161,579.75
2.32
16.48
196.33
256.48
10
2,000.00
2,500.00
3,085
106,659
2.37
81.85
8,348.86
71,347.34
0.47
4.03
32
1,561
1.71
83.61
21,120.06
182,699.81
2.15
18.64
252.97
256.07
11
2,500.00
3,000.00
2,611
109,270
2.00
83.85
8,619.01
79,966.35
0.49
4.51
25
1,586
1.34
84.95
7,930.69
190,630.50
0.81
19.44
92.01
238.39
12
3,000.00
4,000.00
3,204
112,474
2.46
86.31
13,396.05
93,362.40
0.76
5.27
35
1,621
1.87
86.82
16,357.99
206,988.49
1.67
21.11
122.11
221.70
13
4,000.00
5,000.00
2,286
114,760
1.75
88.06
12,400.45
105,762.85
0.70
5.97
20
1,641
1.07
87.90
9,672.80
216,661.29
0.99
22.10
78.00
204.86
14
5,000.00
7,500.00
3,179
117,939
2.44
90.50
23,772.38
129,535.23
1.34
7.31
36
1,677
1.93
89.82
13,098.36
229,759.65
1.34
23.44
55.10
177.37
15
7,500.00
10,000.00
2,133
120,072
1.64
92.14
22,549.07
152,084.30
1.27
8.59
39
1,716
2.09
91.91
35,479.35
265,238.99
3.62
27.06
157.34
174.40
16
10,000.00
20,000.00
3,536
123,608
2.71
94.85
61,674.92
213,759.22
3.48
12.07
51
1,767
2.73
94.64
124,961.03
390,200.02
12.75
39.80
202.61
182.54
17
20,000.00
50,000.00
3,234
126,842
2.48
97.33
114,281.87
328,041.09
6.45
18.52
33
1,800
1.77
96.41
114,958.45
505,158.47
11.73
51.53
100.59
153.99
18
50,000.00
1,493
128,335
1.15
98.48
111,383.47
439,424.56
6.29
24.81
15
1,815
0.80
97.21
10,543.95
515,702.42
1.08
52.60
9.47
117.36
19
100,000.00
1,578
129,913
1.21
99.69
371,096.28
810,520.84
20.95
45.76
36
1,851
1.93
99.14
133,865.92
649,568.34
13.65
66.26
36.07
80.14
20
500,000.00
100,000.0
0
500,000.0
0
UP
405
130,318
0.31
100.00
960,661.61
1,771,182.45
54.24
100.00
16
1,867
0.86
100.00
330,798.74
980,367.08
33.74
100.00
34.43
55.35
37
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2013
OCCUPATION
: AGRICULTURAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
PERCENTA GE
B A ND
(d)/ ∑(d)
Rp
CUM
∑(f )
rp
(f )
(g)
(h)
∑(h)
(i)
PERCENTA GE
B A ND
(i)/ ∑(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
Rp
PERCENTA GE
CUM
∑(n)
rp
(n)
(o)
(p)
(q)
(r)
(s)
∑(p)
B A ND
(q)/ ∑(q)
CUM
∑(r)
PERCENTA GE
B A ND
(p)/ (h)
(t)
CUM
q/ i
(u)
0.00
50.00
2
2
4.55
4.55
0.00
0.00
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
0
2
0.00
4.55
0.00
0.00
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
2
4
4.55
9.09
0.53
0.53
0.04
0.04
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
3
7
6.82
15.91
1.60
2.13
0.13
0.18
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
4
11
9.09
25.00
2.49
4.62
0.21
0.38
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6
500.00
750.00
1
12
2.27
27.27
1.69
6.31
0.14
0.52
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7
750.00
1,000.00
2
14
4.55
31.82
2.54
8.85
0.21
0.73
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8
1,000.00
1,500.00
1
15
2.27
34.09
3.12
11.97
0.26
0.99
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
2
17
4.55
38.64
4.48
16.44
0.37
1.36
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
1
18
2.27
40.91
2.73
19.17
0.23
1.59
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
1
19
2.27
43.18
4.84
24.02
0.40
1.99
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
2
21
4.55
47.73
10.87
34.89
0.90
2.89
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13
4,000.00
5,000.00
0
21
0.00
47.73
0.00
34.89
0.00
2.89
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
14
5,000.00
7,500.00
5
26
11.36
59.09
40.95
75.84
3.39
6.29
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15
7,500.00
10,000.00
3
29
6.82
65.91
36.20
112.04
3.00
9.29
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16
10,000.00
20,000.00
3
32
6.82
72.73
77.35
189.39
6.41
15.70
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17
20,000.00
50,000.00
5
37
11.36
84.09
224.45
413.84
18.60
34.30
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18
50,000.00
4
41
9.09
93.18
256.58
670.42
21.27
55.57
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19
100,000.00
3
44
6.82
100.00
536.03
1,206.45
44.43
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20
500,000.00
100,000.0
0
500,000.0
0
UP
0
44
0.00
100.00
0.00
1,206.45
0.00
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
38
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2013
OCCUPATION
: COMMERCIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
PERCENTA GE
B A ND
(d)/ ∑(d)
Rp
CUM
∑(f )
rp
(f )
(g)
(h)
∑(h)
(i)
PERCENTA GE
B A ND
(i)/ ∑(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
∑(p)
(q)
PERCENTA GE
B A ND
(q)/ ∑(q)
CUM
∑(r)
PERCENTA GE
B A ND
(p)/ (h)
(r)
(s)
(t)
CUM
q/ i
(u)
1
0.00
50.00
397
397
2.28
2.28
24.51
24.51
0.02
0.02
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
923
1,320
5.31
7.59
99.20
123.72
0.07
0.09
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
1,172
2,492
6.74
14.33
269.96
393.67
0.20
0.30
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
1,211
3,703
6.97
21.30
460.32
854.00
0.35
0.64
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
2,095
5,798
12.05
33.35
1,257.18
2,111.18
0.94
1.59
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6
500.00
750.00
2,560
8,358
14.73
48.08
2,271.24
4,382.41
1.71
3.29
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7
750.00
1,000.00
1,704
10,062
9.80
57.88
2,166.92
6,549.33
1.63
4.92
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8
1,000.00
1,500.00
1,537
11,599
8.84
66.72
2,874.37
9,423.70
2.16
7.08
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
1,079
12,678
6.21
72.92
2,815.90
12,239.60
2.11
9.19
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
665
13,343
3.83
76.75
2,181.49
14,421.09
1.64
10.83
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
534
13,877
3.07
79.82
2,182.23
16,603.32
1.64
12.47
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
657
14,534
3.78
83.60
3,317.67
19,920.99
2.49
14.96
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13
4,000.00
5,000.00
544
15,078
3.13
86.73
3,524.27
23,445.27
2.65
17.61
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
14
5,000.00
7,500.00
664
15,742
3.82
90.55
5,797.47
29,242.74
4.35
21.96
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15
7,500.00
10,000.00
408
16,150
2.35
92.90
5,113.76
34,356.50
3.84
25.80
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16
10,000.00
20,000.00
509
16,659
2.93
95.82
10,153.38
44,509.88
7.63
33.43
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17
20,000.00
50,000.00
397
17,056
2.28
98.11
17,973.12
62,483.00
13.50
46.93
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18
50,000.00
180
17,236
1.04
99.14
17,941.73
80,424.73
13.47
60.40
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19
100,000.00
136
17,372
0.78
99.93
37,556.42
117,981.15
28.21
88.61
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20
500,000.00
100,000.0
0
500,000.0
0
UP
13
17,385
0.07
100.00
15,169.02
133,150.17
11.39
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
39
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2013
OCCUPATION
: INDUSTRIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
FROM
TO
f
(b)
(c)
(d)
0.00
50.00
2
50.00
3
100.00
4
∑(d)
(e)
PERCENTA GE
B A ND
(d)/ ∑(d)
(f )
180
180
5.40
100.00
54
234
1.62
200.00
102
336
3.06
200.00
300.00
93
429
2.79
5
300.00
500.00
128
557
6
500.00
750.00
126
7
750.00
1,000.00
108
8
1,000.00
1,500.00
Rp
CUM
∑(f )
rp
(g)
(h)
5.40
∑(h)
(i)
PERCENTA GE
B A ND
(i)/ ∑(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
(q)
∑(p)
PERCENTA GE
B A ND
(q)/ ∑(q)
CUM
∑(r)
PERCENTA GE
B A ND
(p)/ (h)
(r)
(s)
(t)
CUM
q/ i
(u)
5.23
5.23
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7.02
6.04
11.27
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10.08
23.30
34.56
0.01
0.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12.88
35.91
70.48
0.01
0.03
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3.84
16.72
76.42
146.90
0.03
0.06
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
683
3.78
20.50
116.09
262.99
0.04
0.10
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
791
3.24
23.74
137.75
400.74
0.05
0.15
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
198
989
5.94
29.68
347.19
747.93
0.13
0.29
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
171
1,160
5.13
34.81
441.27
1,189.20
0.17
0.46
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
113
1,273
3.39
38.21
372.07
1,561.27
0.14
0.60
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
120
1,393
3.60
41.81
476.89
2,038.16
0.18
0.79
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
138
1,531
4.14
45.95
683.85
2,722.01
0.26
1.05
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13
4,000.00
5,000.00
135
1,666
4.05
50.00
839.38
3,561.38
0.32
1.38
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
14
5,000.00
7,500.00
246
1,912
7.38
57.38
2,110.48
5,671.87
0.82
2.19
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15
7,500.00
10,000.00
168
2,080
5.04
62.42
2,128.21
7,800.08
0.82
3.02
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16
10,000.00
20,000.00
361
2,441
10.83
73.26
7,201.48
15,001.56
2.78
5.80
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17
20,000.00
50,000.00
368
2,809
11.04
84.30
16,655.68
31,657.24
6.44
12.24
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18
50,000.00
221
3,030
6.63
90.94
21,961.73
53,618.97
8.49
20.73
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19
100,000.00
239
3,269
7.17
98.11
74,802.43
128,421.40
28.92
49.66
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20
500,000.00
100,000.0
0
500,000.0
0
UP
63
3,332
1.89
100.00
130,196.69
258,618.09
50.34
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
40
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2013
OCCUPATION
: RESIDENTIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
FROM
TO
f
(b)
(c)
(d)
∑(d)
375
(e)
375
PERCENTA GE
B A ND
(d)/ ∑(d)
(f )
2.84
Rp
CUM
∑(f )
rp
(g)
(h)
2.84
13.96
0.00
50.00
2
50.00
100.00
608
983
4.61
7.45
3
100.00
200.00
1,831
2,814
13.88
21.32
4
200.00
300.00
1,485
4,299
11.25
32.58
5
300.00
500.00
2,165
6,464
16.41
6
500.00
750.00
1,461
7,925
7
750.00
1,000.00
1,203
9,128
8
1,000.00
1,500.00
1,198
∑(h)
(i)
PERCENTA GE
B A ND
(i)/ ∑(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
∑(p
)
(q)
PERCENTA GE
B A ND
(q)/ ∑(q)
CUM
∑(r)
PERCENTA GE
B A ND
(p)/ (h)
CUM
q/ i
(r)
(s)
(t)
(u)
13.96
0.02
0.02
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
72.82
86.78
0.10
0.12
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
416.20
502.98
0.57
0.68
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
542.59
1,045.57
0.74
1.42
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
48.98
1,248.71
2,294.28
1.70
3.12
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11.07
60.06
1,274.13
3,568.41
1.73
4.86
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9.12
69.17
1,483.49
5,051.91
2.02
6.88
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10,326
9.08
78.25
2,100.02
7,151.92
2.86
9.73
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
642
10,968
4.87
83.12
1,584.85
8,736.77
2.16
11.89
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
414
11,382
3.14
86.25
1,316.53
10,053.30
1.79
13.68
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
291
11,673
2.21
88.46
1,131.51
11,184.81
1.54
15.22
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
371
12,044
2.81
91.27
1,805.80
12,990.61
2.46
17.68
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13
4,000.00
5,000.00
253
12,297
1.92
93.19
1,606.82
14,597.43
2.19
19.87
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
14
5,000.00
7,500.00
311
12,608
2.36
95.54
2,527.08
17,124.52
3.44
23.31
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15
7,500.00
10,000.00
160
12,768
1.21
96.76
1,965.28
19,089.80
2.68
25.98
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16
10,000.00
20,000.00
202
12,970
1.53
98.29
4,152.48
23,242.28
5.65
31.64
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17
20,000.00
50,000.00
88
13,058
0.67
98.95
4,261.04
27,503.32
5.80
37.44
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18
50,000.00
56
13,114
0.42
99.38
5,785.28
33,288.60
7.87
45.31
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19
100,000.00
68
13,182
0.52
99.89
20,657.74
53,946.34
28.12
73.43
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20
500,000.00
100,000.0
0
500,000.0
0
UP
14
13,196
0.11
100.00
19,520.58
73,466.92
26.57
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
41
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2012
OCCUPATION
: AGRICULTURAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
PERCENTA GE
F
(a)
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
B A ND
(d)/ ∑(
d)
(f )
Rp
CUM
∑(f )
rp
(g)
(h)
∑(h)
(i)
PERCENTA GE
B A ND
(i)/ ∑(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m
)
Rp
CU
M
∑(n)
rp
(n)
(o)
(p)
∑(p)
(q)
PERCENTA GE
B A ND
(q)/ ∑(q)
CU
M
∑(r)
PERCENTA GE
B A ND
(p)/ (h)
CUM
q/ i
(r)
(s)
(t)
(u)
1
0.00
50.00
3
3
0.72
0.72
0.17
0.17
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
3
6
0.72
1.45
0.40
0.57
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
4
10
0.97
2.42
1.07
1.64
0.00
0.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
9
19
2.17
4.59
3.20
4.83
0.01
0.02
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
18
37
4.35
8.94
9.31
14.14
0.03
0.05
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6
500.00
750.00
31
68
7.49
16.43
27.22
41.36
0.10
0.15
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7
750.00
1,000.00
9
77
2.17
18.60
10.12
51.48
0.04
0.18
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8
1,000.00
1,500.00
16
93
3.86
22.46
25.24
76.72
0.09
0.27
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
23
116
5.56
28.02
52.44
129.16
0.19
0.46
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
11
127
2.66
30.68
35.38
164.55
0.13
0.59
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
17
144
4.11
34.78
63.26
227.81
0.22
0.81
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
18
162
4.35
39.13
71.42
299.22
0.25
1.06
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13
4,000.00
5,000.00
13
175
3.14
42.27
78.90
378.13
0.28
1.34
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
14
5,000.00
7,500.00
30
205
7.25
49.52
237.28
615.41
0.84
2.19
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15
7,500.00
10,000.00
21
226
5.07
54.59
247.42
862.83
0.88
3.07
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16
10,000.00
20,000.00
28
254
6.76
61.35
518.24
1,381.07
1.84
4.91
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17
20,000.00
50,000.00
58
312
14.01
75.36
2,497.96
3,879.03
8.88
13.80
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18
50,000.00
48
360
11.59
86.96
4,277.31
8,156.34
15.21
29.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19
100,000.00
48
408
11.59
98.55
11,392.52
19,548.86
40.52
69.52
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20
500,000.00
100,000.0
0
500,000.0
0
UP
6
414
1.45
100.00
8,569.63
28,118.49
30.48
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
42
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2012
OCCUPATION
: COMMERCIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
PERCENTA GE
B A ND
(d)/ ∑(
d)
(f )
Rp
CUM
∑(f )
rp
(g)
(h)
∑(h)
(i)
PERCENTA GE
B A ND
(i)/ ∑(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
∑(p)
(q)
PERCENTA GE
B A ND
(q)/ ∑(q)
(r)
CUM
∑(r)
(s)
PERCENTA GE
B A ND
(p)/ (h)
CU
M
q/ i
(t)
(u)
1
0.00
50.00
8,480
8,480
10.47
10.47
358.30
358.30
0.06
0.06
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
7,718
16,198
9.53
19.99
895.44
1,253.74
0.15
0.21
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
8,979
25,177
11.08
31.08
1,982.52
3,236.26
0.33
0.55
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
5,978
31,155
7.38
38.46
2,265.43
5,501.70
0.38
0.93
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
8,930
40,085
11.02
49.48
5,434.76
10,936.45
0.92
1.85
1
1
11.11
11.11
50.00
50.00
4.29
4.29
0.92
0.46
6
500.00
750.00
6,517
46,602
8.04
57.53
5,928.57
16,865.02
1.00
2.85
0
1
0.00
11.11
0.00
50.00
0.00
4.29
0.00
0.30
7
750.00
1,000.00
6,208
52,810
7.66
65.19
8,212.02
25,077.04
1.39
4.23
0
1
0.00
11.11
0.00
50.00
0.00
4.29
0.00
0.20
8
1,000.00
1,500.00
5,958
58,768
7.35
72.54
10,900.44
35,977.48
1.84
6.07
0
1
0.00
11.11
0.00
50.00
0.00
4.29
0.00
0.14
9
1,500.00
2,000.00
4,065
62,833
5.02
77.56
10,506.96
46,484.44
1.77
7.85
2
3
22.22
33.33
529.64
579.64
45.45
49.74
5.04
1.25
10
2,000.00
2,500.00
2,538
65,371
3.13
80.69
8,291.28
54,775.73
1.40
9.25
1
4
11.11
44.44
62.33
641.97
5.35
55.08
0.75
1.17
11
2,500.00
3,000.00
2,040
67,411
2.52
83.21
8,180.99
62,956.71
1.38
10.63
0
4
0.00
44.44
0.00
641.97
0.00
55.08
0.00
1.02
12
3,000.00
4,000.00
2,536
69,947
3.13
86.34
12,806.61
75,763.32
2.16
12.79
0
4
0.00
44.44
0.00
641.97
0.00
55.08
0.00
0.85
13
4,000.00
5,000.00
1,810
71,757
2.23
88.58
11,873.49
87,636.81
2.00
14.80
0
4
0.00
44.44
0.00
641.97
0.00
55.08
0.00
0.73
14
5,000.00
7,500.00
2,378
74,135
2.94
91.51
20,622.10
108,258.91
3.48
18.28
1
5
11.11
55.56
56.38
698.36
4.84
59.92
0.27
0.65
15
7,500.00
10,000.00
1,532
75,667
1.89
93.40
19,122.83
127,381.74
3.23
21.50
0
5
0.00
55.56
0.00
698.36
0.00
59.92
0.00
0.55
16
10,000.00
20,000.00
2,333
78,000
2.88
96.28
45,926.00
173,307.74
7.75
29.26
3
8
33.33
88.89
462.94
1,161.30
39.72
99.65
1.01
0.67
17
20,000.00
50,000.00
1,706
79,706
2.11
98.39
72,708.43
246,016.17
12.27
41.53
0
8
0.00
88.89
0.00
1,161.30
0.00
99.65
0.00
0.47
18
50,000.00
729
80,435
0.90
99.29
67,665.78
313,681.94
11.42
52.96
0
8
0.00
88.89
0.00
1,161.30
0.00
99.65
0.00
0.37
19
100,000.00
492
80,927
0.61
99.90
133,414.88
447,096.82
22.52
75.48
1
9
11.11
100.00
4.14
1,165.43
0.35
100.00
0.00
0.26
20
500,000.00
100,000.0
0
500,000.0
0
UP
84
81,011
0.10
100.00
145,241.91
592,338.74
24.52
100.00
0
9
0.00
100.00
0.00
1,165.43
0.00
100.00
0.00
0.20
43
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2012
OCCUPATION
: INDUSTRIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
PERCENTA GE
B A ND
(d)/ ∑(
d)
(f )
PERCENTA GE
Rp
CUM
∑(f )
rp
(g)
(h)
B A ND
(i)/ ∑(i)
∑(h)
(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
(n)
Rp
PERCENTA GE
CU
M
∑(n)
rp
(o)
(p)
(q)
(r)
∑(p)
B A ND
(q)/ ∑(q)
CU
M
∑(r)
PERCENTA GE
B A ND
(p)/ (h)
CU
M
q/ i
(s)
(t)
(u)
1
0.00
50.00
859
859
5.48
5.48
30.29
30.29
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
392
1,251
2.50
7.98
42.93
73.23
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
625
1,876
3.99
11.97
141.01
214.24
0.01
0.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
595
2,471
3.79
15.76
220.05
434.29
0.01
0.03
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
740
3,211
4.72
20.48
444.72
879.00
0.03
0.06
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6
500.00
750.00
675
3,886
4.31
24.78
597.03
1,476.03
0.04
0.09
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7
750.00
1,000.00
626
4,512
3.99
28.78
824.18
2,300.21
0.05
0.14
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8
1,000.00
1,500.00
929
5,441
5.93
34.70
1,724.16
4,024.37
0.11
0.25
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
669
6,110
4.27
38.97
1,683.51
5,707.88
0.11
0.36
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
556
6,666
3.55
42.52
1,748.72
7,456.60
0.11
0.47
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
501
7,167
3.20
45.71
2,027.62
9,484.21
0.13
0.60
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
724
7,891
4.62
50.33
3,636.28
13,120.49
0.23
0.82
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13
4,000.00
5,000.00
574
8,465
3.66
53.99
3,701.73
16,822.22
0.23
1.06
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
14
5,000.00
7,500.00
1,001
9,466
6.38
60.37
8,570.61
25,392.83
0.54
1.59
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15
7,500.00
10,000.00
750
10,216
4.78
65.16
9,318.22
34,711.05
0.59
2.18
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16
10,000.00
20,000.00
1,426
11,642
9.09
74.25
28,309.40
63,020.45
1.78
3.96
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17
20,000.00
50,000.00
1,580
13,222
10.08
84.33
68,675.96
131,696.41
4.31
8.27
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18
50,000.00
951
14,173
6.07
90.39
92,288.20
223,984.61
5.79
14.06
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19
100,000.00
1,129
15,302
7.20
97.60
321,632.47
545,617.08
20.19
34.25
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20
500,000.00
100,000.0
0
500,000.0
0
UP
377
15,679
2.40
100.00
1,047,194.79
1,592,811.88
65.75
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
44
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2012
OCCUPATION
: RESIDENTIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
PERCENTA GE
B A ND
(d)/ ∑(
d)
Rp
PERCENTA GE
CUM
∑(f )
rp
(g)
(h)
(i)
9.77
9.77
163.29
163.29
0.05
0.05
0
(f )
∑(h)
B A ND
(i)/ ∑(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
B A ND
(m)/ ∑(m)
Rp
PERCENTA GE
CUM
∑(n)
rp
(n)
(o)
(p)
0
0.00
0.00
0.00
0.00
0.00
∑(l)
(m)
∑(p)
(q)
B A ND
(q)/ ∑(q)
(r)
CUM
∑(r)
(s)
PERCENTA GE
B A ND
(p)/ (h)
CU
M
q/ i
(t)
(u)
0.00
0.00
0.00
0.00
50.00
5,736
2
50.00
100.00
4,197
9,933
7.15
16.93
468.28
631.56
0.14
0.19
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
8,336
18,269
14.20
31.13
1,820.85
2,452.42
0.55
0.74
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
6,353
24,622
10.83
41.95
2,294.39
4,746.81
0.69
1.43
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
8,577
33,199
14.61
56.57
4,936.51
9,683.32
1.48
2.91
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6
500.00
750.00
5,581
38,780
9.51
66.08
4,814.64
14,497.97
1.45
4.35
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7
750.00
1,000.00
4,591
43,371
7.82
73.90
5,617.61
20,115.57
1.69
6.04
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8
1,000.00
1,500.00
4,336
47,707
7.39
81.29
7,429.53
27,545.10
2.23
8.27
1
1
50.00
50.00
50.00
50.00
33.33
33.33
0.67
0.18
5,736
9
1,500.00
2,000.00
2,461
50,168
4.19
85.48
5,962.24
33,507.34
1.79
10.06
0
1
0.00
50.00
0.00
50.00
0.00
33.33
0.00
0.15
10
2,000.00
2,500.00
1,495
51,663
2.55
88.03
4,581.25
38,088.59
1.38
11.44
0
1
0.00
50.00
0.00
50.00
0.00
33.33
0.00
0.13
11
2,500.00
3,000.00
1,181
52,844
2.01
90.04
4,512.33
42,600.92
1.35
12.79
0
1
0.00
50.00
0.00
50.00
0.00
33.33
0.00
0.12
12
3,000.00
4,000.00
1,358
54,202
2.31
92.36
6,504.74
49,105.66
1.95
14.74
0
1
0.00
50.00
0.00
50.00
0.00
33.33
0.00
0.10
13
4,000.00
5,000.00
871
55,073
1.48
93.84
5,488.74
54,594.41
1.65
16.39
0
1
0.00
50.00
0.00
50.00
0.00
33.33
0.00
0.09
14
5,000.00
7,500.00
1,132
56,205
1.93
95.77
9,270.38
63,864.79
2.78
19.18
0
1
0.00
50.00
0.00
50.00
0.00
33.33
0.00
0.08
15
7,500.00
10,000.00
645
56,850
1.10
96.87
7,679.03
71,543.81
2.31
21.48
0
1
0.00
50.00
0.00
50.00
0.00
33.33
0.00
0.07
16
10,000.00
20,000.00
857
57,707
1.46
98.33
16,747.86
88,291.68
5.03
26.51
1
2
50.00
100.00
100.00
150.00
66.67
100.00
0.60
0.17
17
20,000.00
50,000.00
473
58,180
0.81
99.14
20,779.94
109,071.61
6.24
32.75
0
2
0.00
100.00
0.00
150.00
0.00
100.00
0.00
0.14
18
50,000.00
207
58,387
0.35
99.49
21,171.32
130,242.93
6.36
39.11
0
2
0.00
100.00
0.00
150.00
0.00
100.00
0.00
0.12
19
100,000.00
259
58,646
0.44
99.93
81,997.75
212,240.68
24.62
63.72
0
2
0.00
100.00
0.00
150.00
0.00
100.00
0.00
0.07
20
500,000.00
100,000.0
0
500,000.0
0
UP
41
58,687
0.07
100.00
120,817.17
333,057.86
36.28
100.00
0
2
0.00
100.00
0.00
150.00
0.00
100.00
0.00
0.05
45
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2011
OCCUPATION
: AGRICULTURAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
PERCENTA GE
F
(a)
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
B A ND
(d)/ ∑(
d)
(f )
Rp
CUM
∑(f )
rp
(g)
(h)
∑(h)
(i)
PERCENTA GE
B A ND
(i)/ ∑(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
(n)
Rp
CU
M
∑(n)
rp
(o)
(p)
∑(p
)
(q)
PERCENTA GE
B A ND
(q)/ ∑(q)
(r)
CU
M
∑(r)
PERCENTA GE
B A ND
(p)/ (h)
CU
M
q/ i
(s)
(t)
(u)
1
0.00
50.00
5
5
1.32
1.32
0.33
0.33
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
5
10
1.32
2.64
0.94
1.28
0.00
0.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
10
20
2.64
5.28
2.85
4.13
0.01
0.02
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
8
28
2.11
7.39
3.83
7.95
0.02
0.03
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
10
38
2.64
10.03
7.00
14.95
0.03
0.06
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6
500.00
750.00
16
54
4.22
14.25
14.86
29.82
0.06
0.13
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7
750.00
1,000.00
6
60
1.58
15.83
6.32
36.14
0.03
0.16
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8
1,000.00
1,500.00
26
86
6.86
22.69
42.69
78.83
0.18
0.34
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
15
101
3.96
26.65
33.63
112.45
0.14
0.48
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
12
113
3.17
29.82
39.27
151.72
0.17
0.65
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
13
126
3.43
33.25
52.69
204.41
0.23
0.88
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
14
140
3.69
36.94
68.58
272.99
0.29
1.17
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13
4,000.00
5,000.00
7
147
1.85
38.79
50.23
323.22
0.22
1.39
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
14
5,000.00
7,500.00
20
167
5.28
44.06
155.53
478.74
0.67
2.06
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15
7,500.00
10,000.00
23
190
6.07
50.13
247.82
726.57
1.07
3.12
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16
10,000.00
20,000.00
32
222
8.44
58.58
526.76
1,253.33
2.27
5.39
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17
20,000.00
50,000.00
63
285
16.62
75.20
2,541.13
3,794.46
10.93
16.32
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18
50,000.00
47
332
12.40
87.60
4,519.26
8,313.72
19.44
35.76
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19
100,000.00
40
372
10.55
98.15
7,032.53
15,346.25
30.25
66.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20
500,000.00
100,000.0
0
500,000.0
0
UP
7
379
1.85
100.00
7,904.59
23,250.84
34.00
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
46
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2011
OCCUPATION
: COMMERCIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
FROM
TO
f
(b)
(c)
(d)
(e)
∑(d)
PERCENTA GE
B A ND
(d)/ ∑(
d)
(f )
Rp
CUM
∑(f )
rp
(g)
(h)
∑(h)
(i)
PERCENTA GE
B A ND
(i)/ ∑(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
∑(p)
(q)
PERCENTA GE
B A ND
(q)/ ∑(q)
CUM
∑(r)
(r)
(s)
PERCENTA GE
B A ND
(p)/ (h)
CU
M
q/ i
(t)
(u)
1
0.00
50.00
11,941
11,941
13.32
13.32
494.09
494.09
0.07
0.07
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
7,517
19,458
8.39
21.71
894.59
1,388.68
0.12
0.19
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
9,213
28,671
10.28
31.99
2,105.30
3,493.98
0.29
0.48
2
2
2.70
2.70
14.82
14.82
0.10
0.10
0.70
0.42
4
200.00
300.00
6,135
34,806
6.85
38.84
2,282.40
5,776.38
0.31
0.79
2
4
2.70
5.41
16.98
31.80
0.11
0.21
0.74
0.55
5
300.00
500.00
9,354
44,160
10.44
49.27
5,696.86
11,473.24
0.77
1.56
16
20
21.62
27.03
65.99
97.79
0.44
0.66
1.16
0.85
6
500.00
750.00
6,654
50,814
7.42
56.70
5,995.79
17,469.03
0.82
2.38
4
24
5.41
32.43
136.19
233.98
0.92
1.58
2.27
1.34
7
750.00
1,000.00
8,349
59,163
9.32
66.01
10,950.68
28,419.71
1.49
3.87
2
26
2.70
35.14
72.47
306.45
0.49
2.06
0.66
1.08
8
1,000.00
1,500.00
8,396
67,559
9.37
75.38
14,834.13
43,253.84
2.02
5.88
2
28
2.70
37.84
107.84
414.29
0.73
2.79
0.73
0.96
9
1,500.00
2,000.00
4,177
71,736
4.66
80.04
10,649.36
53,903.19
1.45
7.33
4
32
5.41
43.24
373.42
787.70
2.52
5.31
3.51
1.46
10
2,000.00
2,500.00
2,587
74,323
2.89
82.93
8,366.85
62,270.04
1.14
8.47
3
35
4.05
47.30
189.22
976.92
1.27
6.58
2.26
1.57
11
2,500.00
3,000.00
1,969
76,292
2.20
85.13
7,926.26
70,196.30
1.08
9.55
2
37
2.70
50.00
179.63
1,156.55
1.21
7.79
2.27
1.65
12
3,000.00
4,000.00
2,558
78,850
2.85
87.98
12,677.97
82,874.27
1.72
11.27
3
40
4.05
54.05
104.87
1,261.42
0.71
8.50
0.83
1.52
13
4,000.00
5,000.00
1,854
80,704
2.07
90.05
12,090.37
94,964.64
1.64
12.92
3
43
4.05
58.11
206.61
1,468.03
1.39
9.89
1.71
1.55
14
5,000.00
7,500.00
2,362
83,066
2.64
92.68
20,337.93
115,302.57
2.77
15.69
7
50
9.46
67.57
3,542.03
5,010.05
23.86
33.75
17.42
4.35
15
7,500.00
10,000.00
1,482
84,548
1.65
94.34
18,442.83
133,745.40
2.51
18.19
3
53
4.05
71.62
238.02
5,248.08
1.60
35.35
1.29
3.92
16
10,000.00
20,000.00
2,295
86,843
2.56
96.90
44,012.72
177,758.12
5.99
24.18
4
57
5.41
77.03
696.76
5,944.84
4.69
40.04
1.58
3.34
17
20,000.00
50,000.00
1,669
88,512
1.86
98.76
70,668.75
248,426.87
9.61
33.79
7
64
9.46
86.49
1,352.39
7,297.24
9.11
49.15
1.91
2.94
18
50,000.00
619
89,131
0.69
99.45
60,063.12
308,489.98
8.17
41.97
4
68
5.41
91.89
1,496.27
8,793.50
10.08
59.23
2.49
2.85
19
100,000.00
420
89,551
0.47
99.92
110,556.26
419,046.24
15.04
57.00
6
74
8.11
100.00
6,051.93
14,845.43
40.77
100.00
5.47
3.54
20
500,000.00
100,000.0
0
500,000.0
0
UP
71
89,622
0.08
100.00
316,062.89
735,109.14
43.00
100.00
0
74
0.00
100.00
0.00
14,845.43
0.00
100.00
0.00
2.02
47
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2011
OCCUPATION
: INDUSTRIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
FROM
TO
f
(b)
(c)
(d)
0.00
50.00
501
2
50.00
100.00
3
100.00
200.00
4
200.00
5
300.00
6
7
∑(d)
(e)
PERCENTA GE
B A ND
(d)/ ∑(
d)
(f )
CUM
∑(f )
rp
(g)
(h)
501
3.35
3.35
287
788
1.92
5.26
552
1,340
3.69
8.95
300.00
386
1,726
2.58
11.53
500.00
685
2,411
4.58
500.00
750.00
582
2,993
750.00
1,000.00
661
3,654
8
1,000.00
1,500.00
954
PERCENTA GE
Rp
16.39
B A ND
(i)/ ∑(i)
∑(h)
(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
(n)
Rp
CU
M
∑(n)
rp
(o)
(p)
∑(p)
(q)
PERCENTA GE
B A ND
(q)/ ∑(q)
CU
M
∑(r)
PERCENTA GE
B A ND
(p)/ (h)
CU
M
q/ i
(r)
(s)
(t)
(u)
16.39
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
35.75
52.15
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
130.99
183.14
0.01
0.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
157.31
340.45
0.01
0.02
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16.10
439.31
779.76
0.03
0.05
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3.89
19.99
578.26
1,358.02
0.03
0.08
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4.42
24.41
895.56
2,253.58
0.05
0.13
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4,608
6.37
30.78
1,830.54
4,084.12
0.11
0.24
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
707
5,315
4.72
35.50
1,909.39
5,993.51
0.11
0.35
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
543
5,858
3.63
39.13
1,791.25
7,784.76
0.11
0.46
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
470
6,328
3.14
42.27
2,027.02
9,811.78
0.12
0.58
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
734
7,062
4.90
47.17
3,576.40
13,388.18
0.21
0.79
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13
4,000.00
5,000.00
592
7,654
3.95
51.13
3,772.85
17,161.03
0.22
1.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
14
5,000.00
7,500.00
953
8,607
6.37
57.49
8,273.33
25,434.36
0.49
1.50
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15
7,500.00
10,000.00
762
9,369
5.09
62.58
9,531.50
34,965.85
0.56
2.06
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16
10,000.00
20,000.00
1,423
10,792
9.51
72.09
28,315.20
63,281.06
1.67
3.73
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17
20,000.00
50,000.00
1,633
12,425
10.91
82.99
70,434.64
133,715.69
4.15
7.88
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18
50,000.00
919
13,344
6.14
89.13
82,322.09
216,037.79
4.85
12.73
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19
100,000.00
1,203
14,547
8.04
97.17
328,318.35
544,356.14
19.35
32.08
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20
500,000.00
100,000.0
0
500,000.0
0
UP
424
14,971
2.83
100.00
1,152,728.61
1,697,084.75
67.92
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
48
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2011
OCCUPATION
: RESIDENTIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
PERCENTA GE
B A ND
CUM
(d)/ ∑(
∑(f )
d)
(f )
Rp
rp
∑(h)
(g)
(h)
(i)
PERCENTA GE
B A ND
CUM
(i)/ ∑(i)
∑(j)
(j)
(k)
F
f
∑(l)
(l)
(m)
PERCENTA GE
B A ND
CUM
(m)/ ∑(m)
∑(n)
(n)
(o)
Rp
rp
(p)
∑(p)
(q)
PERCENTA GE
B A ND
CUM
(q)/ ∑(q)
∑(r)
(r)
(s)
PERCENTA GE
B A ND
CU
(p)/ (h)
M
q/ i
(t)
(u)
1
0.00
50.00
3,732
3,732
6.34
6.34
146.79
146.79
0.04
0.04
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
4,651
8,383
7.91
14.25
547.20
693.99
0.16
0.21
2
2
5.88
5.88
53.80
53.80
6.05
6.05
9.83
7.75
3
100.00
200.00
9,063
17,446
15.41
29.66
1,983.15
2,677.14
0.59
0.80
3
5
8.82
14.71
122.71
176.52
13.80
19.84
6.19
6.59
4
200.00
300.00
6,810
24,256
11.58
41.23
2,397.50
5,074.64
0.72
1.52
3
8
8.82
23.53
40.00
216.52
4.50
24.34
1.67
4.27
5
300.00
500.00
8,993
33,249
15.29
56.52
5,019.68
10,094.32
1.50
3.02
10
18
29.41
52.94
211.12
427.64
23.73
48.07
4.21
4.24
6
500.00
750.00
5,865
39,114
9.97
66.49
4,939.27
15,033.59
1.48
4.50
4
22
11.76
64.71
124.04
551.68
13.94
62.02
2.51
3.67
7
750.00
1,000.00
4,479
43,593
7.61
74.10
5,357.93
20,391.52
1.60
6.10
2
24
5.88
70.59
53.71
605.39
6.04
68.06
1.00
2.97
8
1,000.00
1,500.00
4,269
47,862
7.26
81.36
7,265.98
27,657.50
2.17
8.27
2
26
5.88
76.47
25.21
630.60
2.83
70.89
0.35
2.28
9
1,500.00
2,000.00
2,448
50,310
4.16
85.52
5,876.64
33,534.14
1.76
10.03
1
27
2.94
79.41
75.00
705.60
8.43
79.32
1.28
2.10
10
2,000.00
2,500.00
1,489
51,799
2.53
88.05
4,641.91
38,176.05
1.39
11.42
0
27
0.00
79.41
0.00
705.60
0.00
79.32
0.00
1.85
11
2,500.00
3,000.00
1,190
52,989
2.02
90.08
4,399.21
42,575.26
1.32
12.74
1
28
2.94
82.35
13.67
719.26
1.54
80.86
0.31
1.69
12
3,000.00
4,000.00
1,373
54,362
2.33
92.41
6,725.77
49,301.03
2.01
14.75
1
29
2.94
85.29
25.00
744.26
2.81
83.67
0.37
1.51
13
4,000.00
5,000.00
863
55,225
1.47
93.88
5,348.83
54,649.87
1.60
16.35
1
30
2.94
88.24
10.00
754.26
1.12
84.79
0.19
1.38
14
5,000.00
7,500.00
1,121
56,346
1.91
95.78
9,901.20
64,551.06
2.96
19.31
1
31
2.94
91.18
10.12
764.39
1.14
85.93
0.10
1.18
15
7,500.00
10,000.00
640
56,986
1.09
96.87
8,133.65
72,684.72
2.43
21.75
0
31
0.00
91.18
0.00
764.39
0.00
85.93
0.00
1.05
16
10,000.00
20,000.00
810
57,796
1.38
98.25
18,533.05
91,217.77
5.54
27.29
1
32
2.94
94.12
50.00
814.39
5.62
91.55
0.27
0.89
17
20,000.00
50,000.00
533
58,329
0.91
99.16
24,352.87
115,570.63
7.29
34.58
2
34
5.88
100.00
75.15
889.54
8.45
100.00
0.31
0.77
18
50,000.00
212
58,541
0.36
99.52
20,945.00
136,515.63
6.27
40.84
0
34
0.00
100.00
0.00
889.54
0.00
100.00
0.00
0.65
19
100,000.00
242
58,783
0.41
99.93
75,540.70
212,056.33
22.60
63.44
0
34
0.00
100.00
0.00
889.54
0.00
100.00
0.00
0.42
20
500,000.00
100,000.0
0
500,000.0
0
UP
43
58,826
0.07
100.00
122,186.57
334,242.89
36.56
100.00
0
34
0.00
100.00
0.00
889.54
0.00
100.00
0.00
0.27
49
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2010
OCCUPATION
: AGRICULTURAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
PERCENTA GE
B A ND
(d)/ ∑(
d)
(f )
Rp
CUM
∑(f )
rp
(g)
(h)
∑(h)
(i)
PERCENTA GE
B A ND
(i)/ ∑(i)
(j)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
B A ND
(m)/ ∑(m)
(n)
Rp
PERCENTA GE
CU
M
∑(n)
rp
(o)
(p)
(q)
(r)
∑(p)
B A ND
(q)/ ∑(q)
CU
M
∑(r)
PERCENTA GE
B A ND
(p)/ (h)
CU
M
q/ i
(s)
(t)
(u)
1
0.00
50.00
10
10
2.27
2.27
0.39
0.39
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
10
20
2.27
4.54
1.28
1.67
0.01
0.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
15
35
3.40
7.94
3.26
4.92
0.02
0.02
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
11
46
2.49
10.43
3.41
8.33
0.02
0.04
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
14
60
3.17
13.61
6.76
15.09
0.03
0.07
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6
500.00
750.00
7
67
1.59
15.19
5.02
20.12
0.02
0.10
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7
750.00
1,000.00
10
77
2.27
17.46
11.59
31.71
0.06
0.15
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8
1,000.00
1,500.00
26
103
5.90
23.36
43.76
75.47
0.21
0.36
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
35
138
7.94
31.29
82.59
158.06
0.40
0.76
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
7
145
1.59
32.88
27.65
185.71
0.13
0.89
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
11
156
2.49
35.37
40.73
226.44
0.20
1.09
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
13
169
2.95
38.32
61.85
288.30
0.30
1.39
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13
4,000.00
5,000.00
12
181
2.72
41.04
67.69
355.98
0.33
1.71
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
14
5,000.00
7,500.00
28
209
6.35
47.39
200.41
556.39
0.96
2.67
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15
7,500.00
10,000.00
18
227
4.08
51.47
217.83
774.22
1.05
3.72
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16
10,000.00
20,000.00
37
264
8.39
59.86
627.04
1,401.27
3.01
6.74
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17
20,000.00
50,000.00
61
325
13.83
73.70
2,619.52
4,020.79
12.59
19.33
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18
50,000.00
55
380
12.47
86.17
5,288.89
9,309.68
25.43
44.75
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19
100,000.00
56
436
12.70
98.87
8,409.49
17,719.17
40.43
85.18
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20
500,000.00
100,000.0
0
500,000.0
0
UP
5
441
1.13
100.00
3,082.34
20,801.51
14.82
100.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
50
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2010
OCCUPATION
: COMMERCIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
FROM
TO
f
(b)
(c)
(d)
(e)
∑(d)
PERCENTAGE
BAND
(d)/ ∑(d)
Rp
PERCENTAGE
CUM
∑(f )
rp
(f )
(g)
(h)
(i)
16.04
16.04
447.65
447.65
0.11
0.11
1
∑(h)
BAND
(i)/ ∑(i)
(j)
PERCENTAGE
F
CUM
∑(j)
f
(k)
(l)
CUM
∑(n)
rp
(n)
(o)
(p)
1
2.17
2.17
0.30
∑(l)
(m)
BAND
(m)/ ∑(m)
Rp
∑(p)
(q)
PERCENTAGE
BAND
(q)/ ∑(q)
CUM
∑(r)
PERCENTAGE
BAND
(p)/ (h)
(t)
CUM
q/ i
(r)
(s)
(u)
0.30
0.00
0.00
0.07
0.07
0.00
50.00
13,322
13,322
2
50.00
100.00
6,432
19,754
7.75
23.79
743.47
1,191.11
0.18
0.28
1
2
2.17
4.35
11.00
11.30
0.03
0.03
1.48
0.95
3
100.00
200.00
8,903
28,657
10.72
34.51
1,961.56
3,152.67
0.46
0.75
1
3
2.17
6.52
14.20
25.50
0.03
0.06
0.72
0.81
4
200.00
300.00
5,672
34,329
6.83
41.34
2,101.52
5,254.19
0.50
1.24
0
3
0.00
6.52
0.00
25.50
0.00
0.06
0.00
0.49
5
300.00
500.00
8,440
42,769
10.16
51.51
5,084.58
10,338.78
1.20
2.45
1
4
2.17
8.70
1.20
26.70
0.00
0.06
0.02
0.26
6
500.00
750.00
7,023
49,792
8.46
59.97
5,960.39
16,299.16
1.41
3.85
1
5
2.17
10.87
131.58
158.29
0.32
0.38
2.21
0.97
7
750.00
1,000.00
8,588
58,380
10.34
70.31
10,203.00
26,502.16
2.41
6.27
3
8
6.52
17.39
92.64
250.92
0.22
0.60
0.91
0.95
8
1,000.00
1,500.00
6,016
64,396
7.25
77.56
10,220.79
36,722.95
2.42
8.69
4
12
8.70
26.09
458.65
709.57
1.10
1.71
4.49
1.93
9
1,500.00
2,000.00
3,612
68,008
4.35
81.91
9,064.08
45,787.03
2.14
10.83
2
14
4.35
30.43
126.59
836.16
0.30
2.01
1.40
1.83
10
2,000.00
2,500.00
2,381
70,389
2.87
84.77
7,567.14
53,354.17
1.79
12.62
4
18
8.70
39.13
41.07
877.23
0.10
2.11
0.54
1.64
11
2,500.00
3,000.00
1,727
72,116
2.08
86.85
6,624.90
59,979.06
1.57
14.19
2
20
4.35
43.48
331.24
1,208.47
0.80
2.91
5.00
2.01
12
3,000.00
4,000.00
2,145
74,261
2.58
89.44
10,626.36
70,605.42
2.51
16.70
3
23
6.52
50.00
139.58
1,348.05
0.34
3.25
1.31
1.91
13
4,000.00
5,000.00
1,505
75,766
1.81
91.25
9,598.95
80,204.37
2.27
18.97
1
24
2.17
52.17
85.83
1,433.89
0.21
3.45
0.89
1.79
14
5,000.00
7,500.00
1,950
77,716
2.35
93.60
16,069.07
96,273.44
3.80
22.77
1
25
2.17
54.35
3.72
1,437.61
0.01
3.46
0.02
1.49
15
7,500.00
10,000.00
1,151
78,867
1.39
94.99
13,876.70
110,150.14
3.28
26.05
2
27
4.35
58.70
12.69
1,450.30
0.03
3.49
0.09
1.32
16
10,000.00
20,000.00
1,811
80,678
2.18
97.17
35,016.20
145,166.34
8.28
34.33
1
28
2.17
60.87
76.77
1,527.07
0.18
3.68
0.22
1.05
17
20,000.00
50,000.00
1,397
82,075
1.68
98.85
57,580.24
202,746.58
13.62
47.95
4
32
8.70
69.57
158.63
1,685.70
0.38
4.06
0.28
0.83
18
50,000.00
520
82,595
0.63
99.47
48,233.71
250,980.29
11.41
59.36
6
38
13.04
82.61
236.79
1,922.49
0.57
4.63
0.49
0.77
19
100,000.00
387
82,982
0.47
99.94
101,367.17
352,347.46
23.97
83.34
4
42
8.70
91.30
3,680.92
5,603.41
8.86
13.49
3.63
1.59
20
500,000.00
100,000.0
0
500,000.0
0
UP
49
83,031
0.06
100.00
70,458.67
422,806.13
16.66
100.00
4
46
8.70
100.00
35,933.45
41,536.86
86.51
100.00
51.00
9.82
51
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2010
OCCUPATION
: INDUSTRIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
PERCENTAGE
BAND
(d)/ ∑(d)
Rp
CUM
∑(f )
rp
(f )
(g)
(h)
∑(h)
(i)
PERCENTAGE
BAND
(i)/ ∑(i)
PERCENTAGE
F
CUM
∑(j)
f
(j)
(k)
(l)
∑(l)
(m)
BAND
(m)/ ∑(m)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
∑(p)
(q)
PERCENTAGE
BAND
(q)/ ∑(q)
CUM
∑(r)
(r)
(s)
PERCENTAGE
BAND
(p)/ (h)
CUM
q/ i
(t)
(u)
1
0.00
50.00
597
597
4.31
4.31
19.48
19.48
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
387
984
2.79
7.10
44.05
63.53
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
486
1,470
3.51
10.61
113.20
176.74
0.01
0.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
376
1,846
2.71
13.33
147.61
324.35
0.01
0.03
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
795
2,641
5.74
19.07
478.57
802.92
0.04
0.06
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6
500.00
750.00
594
3,235
4.29
23.36
529.29
1,332.21
0.04
0.10
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7
750.00
1,000.00
685
3,920
4.95
28.30
890.37
2,222.57
0.07
0.17
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8
1,000.00
1,500.00
804
4,724
5.80
34.11
1,414.09
3,636.66
0.11
0.28
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
677
5,401
4.89
38.99
1,725.99
5,362.66
0.13
0.42
1
1
100.00
100.00
760.22
760.22
100.00
100.00
44.05
14.18
10
2,000.00
2,500.00
475
5,876
3.43
42.42
1,501.99
6,864.65
0.12
0.54
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
11.07
11
2,500.00
3,000.00
453
6,329
3.27
45.69
1,762.12
8,626.77
0.14
0.67
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
8.81
12
3,000.00
4,000.00
583
6,912
4.21
49.90
2,878.60
11,505.37
0.22
0.90
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
6.61
13
4,000.00
5,000.00
520
7,432
3.75
53.66
3,331.05
14,836.42
0.26
1.16
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
5.12
14
5,000.00
7,500.00
853
8,285
6.16
59.82
7,186.81
22,023.24
0.56
1.72
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
3.45
15
7,500.00
10,000.00
698
8,983
5.04
64.85
8,567.16
30,590.40
0.67
2.38
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
2.49
16
10,000.00
20,000.00
1,303
10,286
9.41
74.26
25,426.19
56,016.59
1.98
4.37
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
1.36
17
20,000.00
50,000.00
1,428
11,714
10.31
84.57
62,233.00
118,249.59
4.85
9.22
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
0.64
18
50,000.00
812
12,526
5.86
90.43
73,374.45
191,624.04
5.72
14.94
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
0.40
19
100,000.00
1,003
13,529
7.24
97.68
254,211.79
445,835.83
19.81
34.75
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
0.17
20
500,000.00
100,000.0
0
500,000.0
0
UP
322
13,851
2.32
100.00
837,146.78
1,282,982.61
65.25
100.00
0
1
0.00
100.00
0.00
760.22
0.00
100.00
0.00
0.06
52
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2010
OCCUPATION
: RESIDENTIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
FROM
TO
f
(b)
(c)
(d)
∑(d)
PERCENTA GE
B A ND
(d)/ ∑(d)
Rp
CUM
∑(f )
rp
∑(h)
PERCENTA GE
B A ND
(i)/ ∑(i)
PERCENTA GE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
B A ND
(m)/ ∑(m)
CUM
∑(n)
rp
(n)
(o)
(p)
(e)
(f )
(g)
(h)
(i)
5,889
5,889
8.77
8.77
231.85
231.85
0.06
0.06
0
0
0.00
0.00
(j)
(m)
Rp
0.00
50.00
2
50.00
100.00
7,681
13,570
11.44
20.21
887.43
1,119.27
0.25
0.31
0
0
0.00
0.00
3
100.00
200.00
10,615
24,185
15.81
36.01
2,262.65
3,381.93
0.63
0.95
1
1
9.09
9.09
4
200.00
300.00
6,836
31,021
10.18
46.19
2,409.32
5,791.24
0.67
1.62
1
2
9.09
18.18
5
300.00
500.00
8,884
39,905
13.23
59.42
4,947.46
10,738.71
1.38
3.01
4
6
36.36
6
500.00
750.00
8,297
48,202
12.35
71.78
7,425.78
18,164.49
2.08
5.08
2
8
7
750.00
1,000.00
5,160
53,362
7.68
79.46
6,182.11
24,346.60
1.73
6.81
1
9
8
1,000.00
1,500.00
3,927
57,289
5.85
85.31
6,751.00
31,097.60
1.89
8.70
0
0.00
∑(p)
(q)
PERCENTA GE
B A ND
(q)/ ∑(q)
(r)
CUM
∑(r)
(s)
PERCENTA GE
B A ND
(p)/ (h)
CUM
q/ i
(t)
(u)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
13.72
13.72
3.37
3.37
0.61
0.41
15.00
28.72
3.69
7.06
0.62
0.50
54.55
77.26
105.98
18.99
26.05
1.56
0.99
18.18
72.73
93.13
199.11
22.89
48.95
1.25
1.10
9.09
81.82
35.01
234.12
8.61
57.55
0.57
0.96
9
0.00
81.82
0.00
234.12
0.00
57.55
0.00
0.75
9
1,500.00
2,000.00
2,238
59,527
3.33
88.64
5,391.90
36,489.50
1.51
10.21
0
9
0.00
81.82
0.00
234.12
0.00
57.55
0.00
0.64
10
2,000.00
2,500.00
1,348
60,875
2.01
90.65
4,128.66
40,618.16
1.16
11.37
1
10
9.09
90.91
41.94
276.06
10.31
67.86
1.02
0.68
11
2,500.00
3,000.00
1,066
61,941
1.59
92.23
3,964.81
44,582.97
1.11
12.48
0
10
0.00
90.91
0.00
276.06
0.00
67.86
0.00
0.62
12
3,000.00
4,000.00
1,243
63,184
1.85
94.09
5,962.90
50,545.87
1.67
14.15
0
10
0.00
90.91
0.00
276.06
0.00
67.86
0.00
0.55
13
4,000.00
5,000.00
762
63,946
1.13
95.22
4,801.38
55,347.26
1.34
15.49
1
11
9.09
100.00
130.73
406.79
32.14
100.00
2.72
0.73
14
5,000.00
7,500.00
941
64,887
1.40
96.62
8,316.79
63,664.05
2.33
17.82
0
11
0.00
100.00
0.00
406.79
0.00
100.00
0.00
0.64
15
7,500.00
10,000.00
567
65,454
0.84
97.47
7,499.43
71,163.48
2.10
19.92
0
11
0.00
100.00
0.00
406.79
0.00
100.00
0.00
0.57
16
10,000.00
20,000.00
743
66,197
1.11
98.57
16,444.15
87,607.63
4.60
24.52
0
11
0.00
100.00
0.00
406.79
0.00
100.00
0.00
0.46
17
20,000.00
50,000.00
462
66,659
0.69
99.26
19,774.41
107,382.05
5.53
30.05
0
11
0.00
100.00
0.00
406.79
0.00
100.00
0.00
0.38
18
50,000.00
197
66,856
0.29
99.55
19,626.89
127,008.93
5.49
35.55
0
11
0.00
100.00
0.00
406.79
0.00
100.00
0.00
0.32
19
100,000.00
247
67,103
0.37
99.92
70,016.91
197,025.84
19.60
55.14
0
11
0.00
100.00
0.00
406.79
0.00
100.00
0.00
0.21
20
500,000.00
100,000.0
0
500,000.0
0
UP
53
67,156
0.08
100.00
160,267.17
357,293.01
44.86
100.00
0
11
0.00
100.00
0.00
406.79
0.00
100.00
0.00
0.11
53
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2009
OCCUPATION
: AGRICULTURAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
PERCENTAGE
F
(a)
FROM
TO
f
(b)
(c)
(d)
∑(d)
BAND
(d)/ ∑(
d)
(e)
(f)
Rp
CUM
∑(f )
rp
(g)
(h)
∑(h)
(i)
PERCENTAGE
BAND
(i)/ ∑(i)
(j)
PERCENTAGE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
BAND
(m)/ ∑(m)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
∑(p)
(q)
PERCENTAGE
BAND
(q)/ ∑(q)
CUM
∑(r)
(r)
(s)
PERCENTAGE
BAND
(p)/ (h)
(t)
CUM
q/ i
(u)
1
0.00
50.00
4
4
1.59
1.59
0.15
0.15
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2
50.00
100.00
5
9
1.98
3.57
0.51
0.66
0.00
0.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
100.00
200.00
14
23
5.56
9.13
2.04
2.70
0.02
0.02
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4
200.00
300.00
9
32
3.57
12.70
2.41
5.11
0.02
0.04
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5
300.00
500.00
7
39
2.78
15.48
3.53
8.64
0.03
0.07
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6
500.00
750.00
7
46
2.78
18.25
5.14
13.79
0.04
0.11
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7
750.00
1,000.00
8
54
3.17
21.43
8.81
22.59
0.07
0.19
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8
1,000.00
1,500.00
10
64
3.97
25.40
14.92
37.52
0.12
0.31
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
1,500.00
2,000.00
10
74
3.97
29.37
16.49
54.01
0.14
0.44
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10
2,000.00
2,500.00
8
82
3.17
32.54
21.36
75.37
0.18
0.62
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11
2,500.00
3,000.00
4
86
1.59
34.13
13.96
89.34
0.11
0.73
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
3,000.00
4,000.00
8
94
3.17
37.30
33.68
123.01
0.28
1.01
2
2
7.41
7.41
55.98
55.98
0.40
0.40
166.22
45.51
13
4,000.00
5,000.00
12
106
4.76
42.06
70.42
193.43
0.58
1.59
0
2
0.00
7.41
0.00
55.98
0.00
0.40
0.00
28.94
14
5,000.00
7,500.00
23
129
9.13
51.19
166.74
360.17
1.37
2.95
2
4
7.41
14.81
116.81
172.79
0.83
1.22
70.05
47.97
15
7,500.00
10,000.00
13
142
5.16
56.35
153.36
513.53
1.26
4.21
10
14
37.04
51.85
2,659.25
2,832.03
18.83
20.05
1,733.99
551.48
16
10,000.00
20,000.00
24
166
9.52
65.87
386.60
900.13
3.17
7.38
10
24
37.04
88.89
9,949.30
12,781.33
70.45
90.51
2,573.56
1,419.95
17
20,000.00
50,000.00
36
202
14.29
80.16
1,312.26
2,212.39
10.76
18.14
2
26
7.41
96.30
913.11
13,694.45
6.47
96.97
69.58
618.99
18
50,000.00
21
223
8.33
88.49
1,651.00
3,863.39
13.54
31.68
1
27
3.70
100.00
427.45
14,121.90
3.03
100.00
25.89
365.53
19
100,000.00
26
249
10.32
98.81
5,872.94
9,736.33
48.16
79.85
0
27
0.00
100.00
0.00
14,121.90
0.00
100.00
0.00
145.04
20
500,000.00
100,000.0
0
500,000.0
0
UP
3
252
1.19
100.00
2,457.69
12,194.01
20.15
100.00
0
27
0.00
100.00
0.00
14,121.90
0.00
100.00
0.00
115.81
54
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2009
OCCUPATION
: COMMERCIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
PERCENTAGE
∑(d)
BAND
(d)/ ∑(
d)
(d)
(e)
(f )
FROM
TO
f
(b)
(c)
Rp
CUM
∑(f )
rp
(g)
(h)
∑(h)
(i)
PERCENTAGE
BAND
(i)/ ∑(i)
(j)
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
PERCENTAGE
BAND
(m)/ ∑(m
)
(n)
Rp
CUM
∑(n)
rp
(o)
(p)
∑(p)
(q)
PERCENTAGE
BAND
(q)/ ∑(q)
(r)
CUM
∑(r)
(s)
PERCENTAGE
BAND
(p)/ (h)
(t)
CUM
q/ i
(u)
1
0.00
50.00
12,403
12,403
16.67
16.67
425.01
425.01
0.10
0.10
68
68
6.92
6.92
2,128.77
2,128.77
0.24
0.24
500.87
500.87
2
50.00
100.00
6,039
18,442
8.12
24.79
675.61
1,100.62
0.17
0.27
54
122
5.50
12.42
2,227.94
4,356.71
0.25
0.49
329.77
395.84
3
100.00
200.00
7,526
25,968
10.12
34.90
1,560.63
2,661.25
0.39
0.66
65
187
6.62
19.04
3,347.79
7,704.50
0.37
0.86
214.52
289.51
4
200.00
300.00
4,567
30,535
6.14
41.04
1,513.54
4,174.78
0.37
1.03
71
258
7.23
26.27
5,188.14
12,892.64
0.58
1.44
342.78
308.82
5
300.00
500.00
7,645
38,180
10.28
51.32
4,061.06
8,235.85
1.00
2.03
145
403
14.77
41.04
22,582.20
35,474.84
2.52
3.97
556.07
430.74
6
500.00
750.00
7,752
45,932
10.42
61.74
6,489.65
14,725.50
1.60
3.64
107
510
10.90
51.93
23,856.66
59,331.51
2.67
6.63
367.61
402.92
7
750.00
1,000.00
7,627
53,559
10.25
71.99
8,650.33
23,375.83
2.14
5.77
96
606
9.78
61.71
13,597.27
72,928.78
1.52
8.15
157.19
311.98
8
1,000.00
1,500.00
5,075
58,634
6.82
78.81
7,917.22
31,293.05
1.95
7.73
56
662
5.70
67.41
10,403.08
83,331.85
1.16
9.31
131.40
266.30
9
1,500.00
2,000.00
3,060
61,694
4.11
82.92
6,719.00
38,012.05
1.66
9.38
48
710
4.89
72.30
19,391.38
102,723.24
2.17
11.48
288.61
270.24
10
2,000.00
2,500.00
1,679
63,373
2.26
85.18
4,591.22
42,603.27
1.13
10.52
26
736
2.65
74.95
16,710.99
119,434.23
1.87
13.35
363.98
280.34
11
2,500.00
3,000.00
1,395
64,768
1.88
87.05
4,645.76
47,249.03
1.15
11.67
18
754
1.83
76.78
5,351.17
124,785.40
0.60
13.95
115.18
264.10
12
3,000.00
4,000.00
1,724
66,492
2.32
89.37
7,293.94
54,542.98
1.80
13.47
28
782
2.85
79.63
14,818.75
139,604.14
1.66
15.60
203.17
255.95
13
4,000.00
5,000.00
1,235
67,727
1.66
91.03
6,797.89
61,340.86
1.68
15.14
17
799
1.73
81.36
8,837.89
148,442.03
0.99
16.59
130.01
242.00
14
5,000.00
7,500.00
1,640
69,367
2.20
93.24
12,304.49
73,645.36
3.04
18.18
33
832
3.36
84.73
12,971.55
161,413.58
1.45
18.04
105.42
219.18
15
7,500.00
10,000.00
1,021
70,388
1.37
94.61
10,478.93
84,124.29
2.59
20.77
24
856
2.44
87.17
32,243.18
193,656.76
3.60
21.65
307.70
230.20
16
10,000.00
20,000.00
1,647
72,035
2.21
96.82
29,199.83
113,324.12
7.21
27.98
36
892
3.67
90.84
112,373.31
306,030.07
12.56
34.21
384.84
270.05
17
20,000.00
50,000.00
1,359
73,394
1.83
98.65
48,168.77
161,492.89
11.89
39.87
30
922
3.05
93.89
113,978.25
420,008.32
12.74
46.95
236.62
260.08
18
50,000.00
531
73,925
0.71
99.36
37,447.60
198,940.49
9.25
49.12
13
935
1.32
95.21
10,113.81
430,122.13
1.13
48.08
27.01
216.21
19
100,000.00
410
74,335
0.55
99.91
99,701.14
298,641.63
24.62
73.73
32
967
3.26
98.47
133,830.66
563,952.79
14.96
63.04
134.23
188.84
20
500,000.00
100,000.0
0
500,000.0
0
UP
65
74,400
0.09
100.00
106,397.59
405,039.22
26.27
100.00
15
982
1.53
100.00
330,699.45
894,652.25
36.96
100.00
310.81
220.88
55
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2009
OCCUPATION
: INDUSTRIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
FROM
TO
f
(b)
(c)
(d)
0.00
50.00
495
2
50.00
100.00
3
100.00
200.00
4
200.00
5
300.00
6
7
∑(d)
(e)
PERCENTAGE
BAND
(d)/ ∑(
d)
(f )
Rp
CUM
∑(f )
rp
(g)
(h)
495
3.83
3.83
12.12
319
814
2.47
6.29
475
1,289
3.67
9.96
300.00
382
1,671
2.95
500.00
671
2,342
500.00
750.00
596
750.00
1,000.00
582
8
1,000.00
1,500.00
∑(h)
(i)
PERCENTAGE
BAND
(i)/ ∑(i)
(j)
PERCENTAGE
F
CUM
∑(j)
f
(k)
(l)
∑(l)
(m)
BAND
(m)/ ∑(m
)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
∑(p)
(q)
PERCENTAGE
BAND
(q)/ ∑(q)
CUM
∑(r)
PERCENTAGE
BAND
(p)/ (h)
CU
M
q/ i
(r)
(s)
(t)
(u)
12.12
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
33.14
45.26
0.00
0.00
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
88.98
134.24
0.01
0.01
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12.91
129.54
263.78
0.01
0.02
1
1
4.35
4.35
28.24
28.24
0.64
0.64
21.80
10.71
5.19
18.10
344.51
608.29
0.03
0.05
2
3
8.70
13.04
73.63
101.87
1.67
2.31
21.37
16.75
2,938
4.61
22.71
470.52
1,078.80
0.04
0.10
0
3
0.00
13.04
0.00
101.87
0.00
2.31
0.00
9.44
3,520
4.50
27.20
658.19
1,736.99
0.06
0.15
0
3
0.00
13.04
0.00
101.87
0.00
2.31
0.00
5.86
763
4,283
5.90
33.10
1,122.96
2,859.95
0.10
0.25
1
4
4.35
17.39
1,538.40
1,640.27
34.95
37.27
137.00
57.35
9
1,500.00
2,000.00
635
4,918
4.91
38.01
1,284.25
4,144.20
0.11
0.37
2
6
8.70
26.09
162.99
1,803.26
3.70
40.97
12.69
43.51
10
2,000.00
2,500.00
423
5,341
3.27
41.28
1,092.44
5,236.65
0.10
0.47
0
6
0.00
26.09
0.00
1,803.26
0.00
40.97
0.00
34.44
11
2,500.00
3,000.00
439
5,780
3.39
44.67
1,399.43
6,636.07
0.12
0.59
2
8
8.70
34.78
497.39
2,300.65
11.30
52.27
35.54
34.67
12
3,000.00
4,000.00
584
6,364
4.51
49.18
2,279.58
8,915.66
0.20
0.79
1
9
4.35
39.13
83.03
2,383.68
1.89
54.16
3.64
26.74
13
4,000.00
5,000.00
436
6,800
3.37
52.55
2,254.18
11,169.84
0.20
0.99
1
10
4.35
43.48
13.78
2,397.46
0.31
54.47
0.61
21.46
14
5,000.00
7,500.00
795
7,595
6.14
58.70
5,535.29
16,705.13
0.49
1.49
0
10
0.00
43.48
0.00
2,397.46
0.00
54.47
0.00
14.35
15
7,500.00
10,000.00
653
8,248
5.05
63.75
6,826.49
23,531.62
0.61
2.09
4
14
17.39
60.87
553.46
2,950.92
12.58
67.05
8.11
12.54
16
10,000.00
20,000.00
1,274
9,522
9.85
73.59
20,724.59
44,256.21
1.84
3.94
4
18
17.39
78.26
1,255.93
4,206.84
28.54
95.59
6.06
9.51
17
20,000.00
50,000.00
1,427
10,949
11.03
84.62
49,888.84
94,145.04
4.44
8.38
1
19
4.35
82.61
67.08
4,273.92
1.52
97.11
0.13
4.54
18
50,000.00
769
11,718
5.94
90.56
57,063.71
151,208.75
5.08
13.45
0
19
0.00
82.61
0.00
4,273.92
0.00
97.11
0.00
2.83
19
100,000.00
920
12,638
7.11
97.67
205,041.07
356,249.82
18.24
31.70
3
22
13.04
95.65
27.91
4,301.83
0.63
97.74
0.01
1.21
20
500,000.00
100,000.0
0
500,000.0
0
UP
301
12,939
2.33
100.00
767,657.36
1,123,907.19
68.30
100.00
1
23
4.35
100.00
99.29
4,401.12
2.26
100.00
0.01
0.39
56
RISK & LOSS PROFILE
As At 30/06/2013
UNDERWRITING YEAR
: 2009
OCCUPATION
: RESIDENTIAL
PROCESSING DATE
SUM INSURED (BAND)
GROSS PREMIUM
NUMBER OF RISKS
(in M illio n Rp)
13/08/2013
INCURRED CLAIM
CLAIM FREQUENCY
(In M illio n Rp)
LOSS RATIO
(In M illio n Rp)
B A ND
F
(a)
1
FROM
TO
f
(b)
(c)
(d)
∑(d)
(e)
4,934
PERCENTAGE
BAND
(d)/ ∑(d)
Rp
CUM
∑(f )
rp
(f )
(g)
(h)
11.55
11.55
0.00
50.00
4,934
2
50.00
100.00
3,109
8,043
7.28
18.82
3
100.00
200.00
5,780
13,823
13.53
32.35
4
200.00
300.00
4,799
18,622
11.23
43.58
5
300.00
500.00
6,234
24,856
14.59
6
500.00
750.00
4,083
28,939
7
750.00
1,000.00
3,262
32,201
8
1,000.00
1,500.00
2,990
153.76
∑(h)
(i)
PERCENTAGE
BAND
(i)/ ∑(i)
(j)
F
CUM
∑(j)
f
(k)
(l)
153.76
0.07
0.07
303.62
457.39
0.13
1,104.39
1,561.77
0.48
1,494.25
3,056.02
58.17
3,075.25
9.56
67.73
7.63
75.36
35,191
7.00
∑(l)
(m)
PERCENTAGE
BAND
(m)/ ∑(m)
Rp
CUM
∑(n)
rp
(n)
(o)
(p)
∑(p)
PERCENTAGE
BAND
(q)/ ∑(q)
CUM
∑(r)
PERCENTAGE
BAND
(p)/ (h)
CUM
q/ i
(q)
(r)
(s)
(t)
(u)
0.27
118.24
118.24
16
16
1.92
1.92
181.80
181.80
0.27
0.20
86
102
10.30
12.22
1,438.33
1,620.14
2.14
2.41
473.72
354.22
0.68
233
335
27.90
40.12
5,594.55
7,214.68
8.33
10.74
506.57
461.95
0.65
1.33
155
490
18.56
58.68
7,616.37
14,831.05
11.34
22.07
509.71
485.31
6,131.27
1.34
2.67
172
662
20.60
79.28
15,983.12
30,814.17
23.79
45.86
519.73
502.57
3,082.84
9,214.11
1.34
4.01
62
724
7.43
86.71
8,479.29
39,293.45
12.62
58.48
275.05
426.45
3,509.80
12,723.90
1.53
5.53
49
773
5.87
92.57
6,659.97
45,953.42
9.91
68.39
189.75
361.16
82.36
4,495.09
17,218.99
1.95
7.49
26
799
3.11
95.69
7,901.48
53,854.90
11.76
80.15
175.78
312.76
9
1,500.00
2,000.00
1,697
36,888
3.97
86.33
3,569.23
20,788.22
1.55
9.04
14
813
1.68
97.37
3,198.35
57,053.25
4.76
84.91
89.61
274.45
10
2,000.00
2,500.00
975
37,863
2.28
88.62
2,643.84
23,432.06
1.15
10.19
6
819
0.72
98.08
4,409.07
61,462.32
6.56
91.47
166.77
262.30
11
2,500.00
3,000.00
773
38,636
1.81
90.43
2,559.85
25,991.91
1.11
11.30
5
824
0.60
98.68
2,082.13
63,544.46
3.10
94.57
81.34
244.48
12
3,000.00
4,000.00
888
39,524
2.08
92.50
3,788.85
29,780.76
1.65
12.95
4
828
0.48
99.16
1,400.23
64,944.69
2.08
96.66
36.96
218.08
13
4,000.00
5,000.00
603
40,127
1.41
93.91
3,277.96
33,058.71
1.42
14.37
2
830
0.24
99.40
821.12
65,765.82
1.22
97.88
25.05
198.94
14
5,000.00
7,500.00
721
40,848
1.69
95.60
5,765.86
38,824.57
2.51
16.88
1
831
0.12
99.52
10.00
65,775.82
0.01
97.89
0.17
169.42
15
7,500.00
10,000.00
446
41,294
1.04
96.65
5,090.29
43,914.86
2.21
19.09
1
832
0.12
99.64
23.47
65,799.28
0.03
97.93
0.46
149.83
16
10,000.00
20,000.00
591
41,885
1.38
98.03
11,363.91
55,278.77
4.94
24.03
1
833
0.12
99.76
1,382.49
67,181.78
2.06
99.99
12.17
121.53
17
20,000.00
50,000.00
412
42,297
0.96
98.99
14,912.01
70,190.78
6.48
30.51
0
833
0.00
99.76
0.00
67,181.78
0.00
99.99
0.00
95.71
18
50,000.00
172
42,469
0.40
99.40
15,221.16
85,411.93
6.62
37.13
1
834
0.12
99.88
2.70
67,184.47
0.00
99.99
0.02
78.66
19
100,000.00
222
42,691
0.52
99.92
60,481.13
145,893.06
26.29
63.42
1
835
0.12
100.00
7.34
67,191.81
0.01
100.00
0.01
46.06
20
500,000.00
100,000.0
0
500,000.0
0
UP
36
42,727
0.08
100.00
84,148.96
230,042.03
36.58
100.00
0
835
0.00
100.00
0.00
67,191.81
0.00
100.00
0.00
29.21
57
58
59
60
Damage Ratio
This
Laporan ini memberikan informasi untuk
report
provide
information
for
pengembangan model vulnerability dari gempa
development of vulnerability model due to
bumi Yogyakarta 27 Mei 2006 (27.05.06).
Yogyakarta
Gempa bumi berkekuatan magnitude 6.3
(27.05.06). A 6.3-magnitude earthquake struck
mengguncang sisi selatan Pulau Jawa. Pusat
the southern side of the island of Java. The
gempa yang tidak jauh dari Pantai Parangtritis
epicenter is not far from Parangtritis certainly
tentunya sangat terasa dengan MMI lebih dari
felt with MMI scale over V.
earthquake
27
May
2006
The cause of the earthquake is the result of
skala V.
Penyebab gempa bumi tersebut adalah
the existence of Northeast – Southwest (NE –
aktivitas sesar mendatar berarah Barat Daya –
SW) trending strike slip fault activity as known
Timur Laut (BD-TL) yang dikenal Sesar Opak.
as Opak fault. The Yogyakarta earthquake is a
Gempa Yogyakarta berpusat di 110.430E,
shallow depth earthquake with epicenter at
7.960S, kedalaman dangkal hanya 17 km.
110.430E, 7.960S and 17 km depth. Because of
Karena sumbernya dangkal maka goncangan
the source is shallow, therefore earthquake
sangat terasa dan menyebabkan banyak
shaking is strong and cause many buildings
bangunan roboh.
collapsed.
Gempa bumi ini berdampak langsung
The earthquake directly affected the
terhadap Provinsi Daerah Istimewa Yogyakarta
Provinces of Daerah Istimewa Yogyakarta
(DIY) dan Provinsi Jawa Tengah. Kabupaten
(DIY) and Central Java. The districts which the
yang paling parah terkena bencana ini adalah
worst affected by this earthquake were Bantul
Kabupaten Bantul dan Yogyakarta. Kerusakan
and Yogyakarta. The major damages affected
yang besar akibat gempa bumi dipengaruhi
by the location, soil characteristics, and quality
oleh lokasi, karakteristik tanah, dan kualitas
of building construction.
In the region around Yogyakarta and
bangunan.
Di wilayah sekitar Yogyakarta dan Bantul
Bantul the soil characteristics is composes of
karakteristik tanahnya adalah endapan vulkanik
fragile volcanic soil deposits, therefore it is
yang rapuh, sehingga memungkinkan wilayah
possible that these region more easily triggered
yang terkena dampak mudah dipicu oleh
by the predominance of high frequency ground
frekuensi gerakan tanah yang lebih dominan.
motions.
The ground shaking usually represented by
Gerakan tanah pada umumnya diwakili
61
oleh
parameter
MMI
(Modified
Mercally
MMI (Modified Mercally Intensity). Based on
Intensity). Berdasarkan data klaim dari gempa
claim from Yogyakarta Event, at zone with MMI
bumi Yogyakarta, pada zona dengan MMI VIII:
VIII:

Probabilitas loss ratio 20% adalah
the probability loss ratio 20% is equal

sebesar 7,04% dari jumlah risiko,

to 7.04% from number of risk,
Probabilitas loss ratio 80% adalah
the probability loss ratio 80% is equal

sebesar 19,72% dari jumlah risiko.
to 19.72% from number of risk.
Grafik Damage Ratio
Damage Ratio Graph
MMI
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
62
Lampiran 1 / Attachment 1
GLOSSARIES
1.
2.
OCCUPATION
A
-
AGRICULTURAL
C
-
COMMERCIAL
I
-
INDUSTRIAL
R
-
RESIDENTIAL
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
:
:
63
3.
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
f
:
Frequencies
F
:
Accumulations of frequencies
Cum :
4.
Cumulative (increasing in amount by one addition after another)
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
64
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

Steel, Wood or RC Frame
: Obyek dengan kode okupasi 2976
: 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
65
66
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
67
68
CRESTA ZONE dan Zona
Provinsi
Nanggroe Aceh Darussalam
Sumatra Utara
Cresta
Zona
KAB. SIMEULUE
Kota/ Kabupaten
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
69
Provinsi
Sumatra Barat
Riau
Jambi
Sumatra Selatan
Cresta
Zona
KAB. KEPULAUAN MENTAWAI
Kota/ Kabupaten
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
70
Provinsi
Bengkulu
Lampung
Kepulauan Bangka Belitung
Kepulauan Riau
Banten
Daerah Khusus Ibukota Jakarta
Cresta
Zona
KAB. BENGKULU SELATAN
Kota/ Kabupaten
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
71
Provinsi
Jawa Barat
Jawa Tengah
Cresta
Zona
KAB. BOGOR
Kota/ Kabupaten
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
72
Provinsi
Jawa Tengah
Daerah Istimewa Yogyakarta
Jawa Timur
Cresta
Zona
KAB. PEKALONGAN
Kota/ Kabupaten
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
73
Provinsi
Bali
Nusa Tenggara Barat
Nusa Tenggara Timur
Kalimantan Barat
Cresta
Zona
KAB. JEMBRANA
Kota/ Kabupaten
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
74
Provinsi
Kalimantan Tengah
Kalimantan Selatan
Kalimantan Timur
Sulawesi Utara
Cresta
Zona
KAB. KOTAWARINGIN BARAT
Kota/ Kabupaten
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
75
Provinsi
Sulawesi Tengah
Sulawesi Selatan
Sulawesi Tenggara
Gorontalo
Cresta
Zona
KAB. BANGGAI KEPULAUAN
Kota/ Kabupaten
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
76
Provinsi
Sulawesi Barat
Maluku
Maluku Utara
Papua Barat
Papua
Cresta
Zona
KAB. MAJENE
Kota/ Kabupaten
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
77

ASURANSI Gempa Bumi Indonesia - PT Asuransi MAIPARK Indonesia

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ASURANSI Gempa Bumi Indonesia - PT Asuransi MAIPARK Indonesia