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Ref No. : 037/L-MG/III-09/AMI/FS-lw
Kepada Yth,
Direksi
Seluruh Perusahaan Asuransi
Di
Tempat
Perihal : Statistik Gempa Bumi Indonesia 2004 - 2007
Dengan hormat,
Bersama ini kami sampaikan Statistik Asuransi Gempa Bumi periode 2004 - 2007
posisi sampai dengan bulan Desember 2007.
Kami berharap statistik ini dapat bermanfaat tidak hanya bagi perusahaan asuransi
yang menangani Asuransi Gempa Bumi namun dapat pula berguna bagi industri
asuransi umum di Indonesia.
Atas perhatian serta kerjasamanya yang baik kami ucapkan terima kasih.
Jakarta, 23 Maret 2009
Hormat kami,
Frans Y. Sahusilawane Bisma Subrata
Presiden Direktur Direktur
INFORMASI STATISTIK
1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan
posisi 31 Desember 2007
2. Sesi Limit
2.1. Limit Sesi didasarkan atas setiap risiko.
2.2. Yang dimaksud dengan setiap risiko (any one 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/ Penerbit Polis sesuai dengan interpretasi perusahaan asuransi
dalam underwriting Polis Kebakaran.
2.3. Besarnya Limit Sesi atas setiap risiko (any one risk) untuk gabungan
Kerugian Fisik dan Gangguan Usaha adalah sebagai berikut :
2.3.1. 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/
Penerbit Polis.
2.3.2 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/Penerbit Polis.
2.4. Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang
disesikan sebagaimana diatur dalam butir 2.3. diatas, dikalikan prosentase
First Loss Basis / Sub-limit Basis.
2.5. Bilamana risiko ditutup secara ko-asuransi, jumlah maksimum sesi dari
semua Anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur
dalam 2.3. diatas. Sesi masing-masing perusahaan adalah proporsional
sebanding sahamnya dalam ko-asuransi.
Dalam hal terdapat penutupan lain selain polis ko-asuransi tersebut pada
obyek pertanggungan yang sama, perusahaan asuransi tetap dapat
mensesikan risiko dimaksud, dengan catatan jumlah seluruh sesi
perusahaan asuransi bersangkutan tidak melebihi ketentuan yang diatur
pada butir 2.3.
3. Tarif Premi
3.1. Penutupan dengan menggunakan Full Value Basis mengaplikasikan Tarif
Premi Standar Gempa Bumi Indonesia (lampiran 1)
3.2. Penutupan dengan First Loss / Sub Limit Basis mengaplikasikan standar
First Loss Scale (lampiran 2)
3.3. Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan
diberlakukan skala premi jangka pendek (lampiran 3)
3.4. Untuk perhitungan premi Bussiness Interruption diberlakukan Indemnity
Period Scale (lampiran 4)
4. Obyek Pertanggungan
4.1. Obyek pertanggungan yang dapat disesikan adalah obyek pertanggungan
asuransi kebakaran berupa :
4.1.1. Kerusakan Fisik :
� Bangunan
� Pondasi
� Penggalian dan Sejenisnya
� Persediaan Barang
� Lain-lain
4.1.2 Gangguan Usaha :
� Keuntungan Bruto
� Upah
� Kenaikan Biaya Operasional
� Lain-lain
4.2 Penutupan sebagaimana dimaksud pada butir 4.1. adalah yang ditutup
secara langsung (direct business) termasuk ko-asuransi. Penutupan tidak
langsung (indirect business/Reasuransi) tidak dapat disesikan.
7. Pelaporan Bordero
Pelaporan bordero dilakukan setiap bulannya untuk semua risiko yang ditutup
pada bulan yang bersangkutan dan sudah harus diterima selambat-lambatnya
pada akhir bulan berikutnya.
8. Untuk kasus “Multi Location Risk” yang mengalami kesulitan dalam
memberikan detail harga pertanggungan perlokasi maka dengan persetujuan
AAUI pensesian risiko dan perhitungan premi dilakukan pada zona-zona
tertentu.
9. Untuk menggambarkan premi dan harga pertanggungan yang sebenarnya dalam
penutupan asuransi gempa bumi berdasarkan ko-asuransi, diharapkan agar
seluruh anggota ko-asuransi mensesikan risiko gempa bumi tersebut.
ANALISA
I. PREMI BRUTO DAN JUMLAH RISIKO
1. PREMI BRUTO
- Premi Bruto Underwriting Year 2006 posisi sampai dengan Desember
2007 sebesar Rp. 2.1 triliun mengalami kenaikan sebesar 12.62 % bila
dibandingkan dengan Premi Bruto Underwriting Year 2005 posisi
sampai dengan Desember 2006 sebesar Rp. 1.9 triliun. Sedangkan
Premi Bruto Underwriting Year 2007 sebesar Rp. 1,5 triliun lebih
rendah dibandingkan premi Underwriting Year 2006 sebesar Rp. 2,1
triliun karena belum menggambarkan premi penuh selama satu tahun.
- Premi Bruto terbesar Underwriting Year 2006 berdasarkan zona adalah
Zona 3 sebesar Rp. 1,3 triliun atau naik 6.72 % bila dibandingkan
dengan Premi Bruto Underwriting Year 2005 sebesar Rp. 1,2 triliun,
dan Premi Bruto Underwriting Year 2007 untuk Zona 3 sebesar Rp. 864
miliar
- Penyebaran premi dari tahun ke tahun memperlihatkan trend yang relatif
tetap, yakni didominasi oleh Zona 3 (DKI Jakarta) dan sebagian kecil
pada Zona 4 (Central Java); 5 (East Java); serta Zona 2 (South Sumatera)
- Premi Bruto terbesar Underwriting Year 2007 berdasarkan okupasi
adalah Industrial sebesar Rp. 1,05 triliun atau 70 % dari seluruh Premi
Bruto sebesar Rp. 1,5 triliun
Premi Bruto terbesar Underwriting Year 2006 berdasarkan okupasi
adalah Industrial sebesar Rp. 1,5 triliun atau 71 % dari seluruh Premi
Bruto sebesar Rp. 2.1 triliun.
Industrial adalah merupakan jenis okupasi yang memberikan kontribusi
tertinggi disusul dengan jenis okupasi Commercial, kemudian
Residential dan terakhir adalah okupasi Agricultural.
Industrial adalah okupasi yang mengalami kenaikan tertinggi pada
Underwriting Year 2006 dan Underwriting Year 2007. Kenaikan juga
terjadi pada okupasi Commercial dan Residential. Begitu juga dengan
okupasi Agricultural dari tahun 2006 ke 2007.
Kenaikan premi bruto Underwriting Year 2006 sebesar 12.62 %
disebabkan antara lain :
a) Kedisiplinan untuk mensesikan dan mengikuti ketentuan yang
berlaku pada penutupan asuransi gempa bumi meningkat.
b) Permintaan polis dari masyarakat sudah meningkat seiring dengan
banyaknya kejadian gempa yang terjadi atau makin meningkatnya
kesadaran masyarakat untuk membeli polis asuransi.
c) Ada beberapa perusahaan asuransi baru yang juga telah mensesikan
risiko gempa buminya.
d) Beberapa perusahaan asuransi juga telah menaikkan rate standar
gempa bumi, mengingat banyaknya kejadian gempa.
e) Peningkatan kedisiplinan sesi yang cukup signifikan dari beberapa
perusahaan asuransi besar.
2. JUMLAH RISIKO (NUMBER OF RISKS)
Sejalan dengan kenaikan Premi Bruto Underwriting Year 2006, jumlah
risiko pun meningkat. Terlihat di Underwriting Year 2006 jumlah risiko
sebanyak 91,147 risiko atau terjadi peningkatan sebesar 10,76% bila
dibandingkan dengan Underwriting Year 2005 sebesar 82,290 risiko.
Adapun untuk jumlah risiko Underwriting Year 2006, yang tertinggi berada
di Zona 3 sebesar 48,086 risiko atau 53% dari total risiko sebesar 91,147
risiko. Sedangkan untuk Underwriting Year 2007, jumlah risiko terbesar
juga berada di Zona 3, yaitu sebesar 23,629 risiko atau 51% dari total risiko
sebesar 45,863 risiko.
Berdasarkan okupasi, untuk Underwriting Year 2006 jumlah risiko terbesar
berada di okupasi Commercial, yaitu sebesar 49,237 risiko atau 54% dari
total risiko. Sedangkan untuk Underwriting Year 2007, jumlah risiko
terbesar juga berada di okupasi Commercial, yaitu sebesar 22,377 risiko
atau 49% dari total risiko.
II. KLAIM INCURRED DAN FREKUENSI KLAIM
1. KLAIM INCURRED
- Jumlah Klaim Incurred untuk Underwriting Year 2006 sebesar Rp. 115 milyar
lebih rendah dibandingkan Underwriting Year 2007 sebesar Rp. 208 milyar.
Peningkatan pada Underwriting 2007 ini disebabkan karena:
a. Banyak masuknya Laporan Kerugian Pasti untuk event Yogya
27.05.06 sebanyak 273 klaim (74,59%) dari total keseluruhan
penerimaan Laporan Kerugian Sementara dan Laporan Kerugian Pasti
yaitu sebesar 366 klaim, sehingga menurunkan Jumlah estimasi klaim
pada Underwriting year 2006.
b. Adanya event baru yang terjadi di Underwriting Year 2007 antara lain
: event Padang 06.03.07, event Bengkulu 12.09.07 dan event Jakarta
09.08.07, dengan total penerimaan Laporan Kerugian Sementara dan
Laporan Kerugian Pasti, sebagai berikut:
- Event Padang 06.03.07 : 111 klaim
- Event Bengkulu 12.09.07 : 245 klaim
- Event Jakarta 09.08.07 : 22 klaim
- Klaim Bruto terbesar :
Underwriting Year 2005 : PT. Mustika Prince Hotel
(Yogyakarta, 27.05.06) sebesar Rp. 97.4 milyar
Underwriting Year 2006 : PT. Telekomunikasi Indonesia
(Pangandaran 17.07.06) sebesar Rp. 25 milyar
Underwriting Year 2007 : PT. Telekomunikasi Indonesia
(Bengkulu 12.09.07) sebesar Rp. 51 milyar
- Perincian Klaim: Outstanding dan Settled
in Rp.
Underwriting
Year Outstanding Klaim Settled Klaim Incurred Klaim
2004
9,430,842,824.42
603,898,022,380.80
613,328,865,205.22
2005
136,916,836,540.48
81,027,526,387.58
217,944,362,928.06
2006
97,233,767,805.57
18,188,518,208.70
115,422,286,014.27
2007
207,990,292,458.50
168,524,299.75
208,158,816,758.25
- Jumlah kerugian terbesar berdasarkan okupasi adalah sebagai berikut :
Underwriting Year 2005 : Okupasi Commercial sebesar 99% dari total
Klaim Incurred.
Underwriting Year 2006 : Okupasi Commercial sebesar 96% dari total
Klaim Incurred.
Underwriting Year 2007 : Okupasi Commercial sebesar 93% dari total
Klaim Incurred.
2. FREKUENSI KLAIM
Frekuensi klaim di Underwriting Year 2006 (321 klaim) lebih besar dibandingkan
dengan frekuensi klaim Underwriting Year 2007 (210 klaim). Hal ini disebabkan
karena pada pada Underwriting Year 2006 terdapat 10 event gempa bumi
sedangkan pada Underwriting 2007 hanya terdapat 5 event gempa bumi.
Sebagai informasi event-event gempa bumi yang terjadi pada Underwriting Year
2006 adalah sebagai berikut :
Event Zona Frekuensi Klaim
- Event Yogyakarta 27.05.06 : 4.2 140 klaim
- Event Pangandaran 17.07.06 : 3.3 2 klaim
- Event Jakarta 19.07.06 : 3.1 3 klaim
- Event Pandeglang 24.12.06 : 3.3 1 klaim
- Event Manado 21.01.07 : 7 2 klaim
- Event Padang 06.03.07 : 2.1 99 klaim
- Event Bukit Tinggi 13.03.07 : 2.3 1 klaim
- Event Jakarta 09.08.07 : 3.1 13 klaim
- Event Carita 10.08.07 : 3.3 1 klaim
- Event Bengkulu 12.09.07 : 2.3 59 klaim
Sedangkan event-event gempa bumi yang terjadi pada Underwriting Year 2007
adalah sebagai berikut :
Event Zona Frekuensi Klaim
- Event Manado 21.01.07 : 7 2 klaim
- Event Padang 06.03.07 : 2.1 12 klaim
- Event Jakarta 09.08.07 : 3.1 9 klaim
- Event Bengkulu 12.09.07 : 2.3 186 klaim
- Event Dompu 25.11.07 : 8 1 klaim
Jumlah Frekuensi Klaim terbanyak dari Underwriting 2006 – 2007 berdasarkan
okupasi adalah Commercial.
Jumlah Frekuensi Klaim terbanyak dari Underwriting 2006 – 2007 berdasarkan
zona terdapat di zona 2 (Sumatera Selatan).
UNDERWRITING YEAR : ALL DATA POSITION FROM 01/01/2004
OCCUPATION : ALL
ZONE : ALL TO 31/12/2007
PROCESSING DATE
Table A
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 26,916 26916 9.91 9.91 792.94 792.94 0.01 0.01 36 36 2.75 2.75 329.86 329.86 0.03 0.03 0.00 0.00
2 50.00 100.00 20,129 47045 7.41 17.32 1,842.43 2,635.37 0.03 0.04 76 112 5.81 8.56 1,259.30 1,589.16 0.11 0.14 0.00 0.00
3 100.00 200.00 29,764 76809 10.96 28.27 5,454.52 8,089.89 0.08 0.12 76 188 5.81 14.36 2,685.38 4,274.55 0.23 0.37 0.00 0.00
4 200.00 300.00 22,181 98990 8.16 36.44 6,761.79 14,851.68 0.10 0.21 120 308 9.17 23.53 5,775.35 10,049.89 0.50 0.87 0.00 0.00
5 300.00 500.00 29,873 128863 11.00 47.43 16,233.04 31,084.72 0.23 0.44 144 452 11.00 34.53 6,538.05 16,587.94 0.57 1.44 0.00 0.00
6 500.00 750.00 21,322 150185 7.85 55.28 15,816.88 46,901.60 0.23 0.67 121 573 9.24 43.77 4,046.61 20,634.55 0.35 1.79 0.00 0.00
7 750.00 1,000.00 17,127 167312 6.30 61.58 18,324.07 65,225.67 0.26 0.93 99 672 7.56 51.34 5,365.15 25,999.70 0.46 2.25 0.00 0.00
8 1,000.00 1,500.00 17,608 184920 6.48 68.06 29,022.52 94,248.19 0.41 1.34 72 744 5.50 56.84 8,028.24 34,027.94 0.70 2.95 0.00 0.00
9 1,500.00 2,000.00 11,331 196251 4.17 72.23 26,656.05 120,904.24 0.38 1.72 58 802 4.43 61.27 7,461.37 41,489.31 0.65 3.59 0.00 0.00
10 2,000.00 2,500.00 7,606 203857 2.80 75.03 19,982.76 140,887.00 0.28 2.01 42 844 3.21 64.48 5,359.62 46,848.94 0.46 4.06 0.00 0.00
11 2,500.00 3,000.00 6,035 209892 2.22 77.26 19,899.92 160,786.92 0.28 2.29 30 874 2.29 66.77 4,469.11 51,318.05 0.39 4.44 0.00 0.00
12 3,000.00 4,000.00 8,271 218163 3.04 80.30 33,658.64 194,445.55 0.48 2.77 59 933 4.51 71.28 8,599.74 59,917.79 0.74 5.19 0.00 0.00
13 4,000.00 5,000.00 6,230 224393 2.29 82.59 32,681.04 227,126.60 0.47 3.24 38 971 2.90 74.18 15,339.10 75,256.89 1.33 6.52 0.00 0.00
14 5,000.00 7,500.00 8,858 233251 3.26 85.85 62,362.84 289,489.44 0.89 4.13 48 1019 3.67 77.85 11,194.57 86,451.46 0.97 7.49 0.00 0.00
15 7,500.00 10,000.00 5,980 239231 2.20 88.05 59,453.67 348,943.11 0.85 4.97 26 1045 1.99 79.83 1,376.18 87,827.64 0.12 7.61 0.00 0.00
16 10,000.00 20,000.00 10,728 249959 3.95 92.00 180,139.09 529,082.19 2.57 7.54 69 1114 5.27 85.10 29,513.66 117,341.30 2.56 10.16 0.00 0.00
17 20,000.00 50,000.00 10,179 260138 3.75 95.75 385,050.28 914,132.47 5.49 13.03 71 1185 5.42 90.53 75,463.91 192,805.21 6.53 16.70 0.00 0.00
18 50,000.00 100,000.00 4,964 265102 1.83 97.58 474,078.45 1,388,210.92 6.76 19.79 31 1216 2.37 92.90 16,534.40 209,339.61 1.43 18.13 0.00 0.00
19 100,000.00 500,000.00 5,093 270195 1.87 99.45 1,669,412.39 3,057,623.32 23.80 43.58 65 1281 4.97 97.86 152,906.87 362,246.48 13.24 31.37 0.00 0.00
20 500,000.00 UP 1,491 271686 0.55 100.00 3,957,909.99 7,015,533.31 56.42 100.00 28 1309 2.14 100.00 792,607.35 1,154,853.83 68.63 100.00 0.00 0.00
PERCENTAGEFROM TO f F f F
PERCENTAGE rp RP
PERCENTAGE rp RP
PERCENTAGE PERCENTAGE
28/02/2008
LOSS RATIO
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
CLAIM FREQUENCY GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.)
BAND
SUM INSURED (BAND) (In
Million Rp.)NUMBER OF RISKS
Page 1 of 48
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
UNDERWRITING YEAR : 2004 DATA POSITION FROM 01/01/2004
OCCUPATION : ALL
ZONE : ALL TO 31/12/2007
PROCESSING DATE 28/02/2008
Table B.1
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 5556 5556 0.39 0.39 156.24 156.24 0.01 0.01 1 1 1.08 1.08 11.32 11.32 0.00 0.00 0.00 0.00
2 50.00 100.00 3880 9436 0.27 0.66 340.78 497.02 0.02 0.03 3 4 3.23 4.30 324.46 335.78 0.08 0.08 0.00 0.00
3 100.00 200.00 5786 15222 0.40 1.06 1,035.47 1,532.48 0.07 0.11 6 10 6.45 10.75 1,005.18 1,340.96 0.23 0.31 0.00 0.00
4 200.00 300.00 4275 19497 0.30 1.35 1,274.37 2,806.86 0.09 0.19 6 16 6.45 17.20 1,234.81 2,575.77 0.29 0.60 0.00 0.00
5 300.00 500.00 5262 24759 0.37 1.72 2,743.41 5,550.27 0.19 0.39 8 24 8.60 25.81 2,345.10 4,920.87 0.54 1.14 0.00 0.00
6 500.00 750.00 3516 28275 0.24 1.96 2,601.37 8,151.64 0.18 0.57 8 32 8.60 34.41 2,509.97 7,430.84 0.58 1.72 0.00 0.00
7 750.00 1,000.00 2789 31064 0.19 2.16 3,089.29 11,240.93 0.21 0.78 6 38 6.45 40.86 2,847.83 10,278.67 0.66 2.38 0.00 0.00
8 1,000.00 1,500.00 3299 34363 0.23 2.39 5,759.78 17,000.71 0.40 1.18 9 47 9.68 50.54 3,871.22 14,149.89 0.90 3.27 0.00 0.00
9 1,500.00 2,000.00 2020 36383 0.14 2.53 4,070.59 21,071.30 0.28 1.46 4 51 4.30 54.84 3,713.07 17,862.96 0.86 4.13 0.00 0.00
10 2,000.00 2,500.00 1509 37892 0.10 2.63 3,954.52 25,025.82 0.27 1.74 8 59 8.60 63.44 3,653.13 21,516.09 0.84 4.98 0.00 0.00
11 2,500.00 3,000.00 1192 39084 0.08 2.71 4,303.30 29,329.12 0.30 2.04 3 62 3.23 66.67 6,646.98 28,163.07 1.54 6.51 0.00 0.00
12 3,000.00 4,000.00 1603 40687 0.11 2.83 6,713.43 36,042.55 0.47 2.50 5 67 5.38 72.04 6,973.29 35,136.36 1.61 8.13 0.00 0.00
13 4,000.00 5,000.00 1307 41994 0.09 2.92 7,041.99 43,084.54 0.49 2.99 1 68 1.08 73.12 13,146.93 48,283.29 3.04 11.17 0.00 0.00
14 5,000.00 7,500.00 1829 43823 0.13 3.04 13,665.13 56,749.66 0.95 3.94 7 75 7.53 80.65 13,448.93 61,732.22 3.11 14.28 0.00 0.00
15 7,500.00 10,000.00 1244 45067 0.09 3.13 12,725.56 69,475.23 0.88 4.82 0 75 - 80.65 40,101.16 101,833.38 9.27 23.55 0.00 0.00
16 10,000.00 20,000.00 2405 47472 0.17 3.30 42,416.22 111,891.45 2.95 7.77 5 80 5.38 86.02 88,885.79 190,719.17 20.56 44.11 0.00 0.00
17 20,000.00 50,000.00 2438 49910 0.17 3.47 97,682.49 209,573.95 6.78 14.55 2 82 2.15 88.17 97,455.30 288,174.47 22.54 66.64 0.00 0.00
18 50,000.00 100,000.00 1181 51091 0.08 3.55 105,025.45 314,599.39 7.29 21.85 2 84 2.15 90.32 144,139.06 432,313.53 33.33 99.98 0.00 0.01
19 100,000.00 500,000.00 1033 52124 0.07 3.62 275,477.29 590,076.68 19.13 40.98 5 89 5.38 95.70 28.01 432,341.54 0.01 99.99 0.00 0.01
20 500,000.00 UP 262 52386 0.02 3.64 849,846.08 1,439,922.76 59.02 100.00 4 93 4.30 100.00 61.43 432,402.97 0.01 100.00 0.00 0.01
BAND
SUM INSURED (BAND) (In
Million Rp.)NUMBER OF RISKS GROSS PREMIUM (In Million Rp.)
PERCENTAGE
CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) LOSS RATIO
FROM TO f FPERCENTAGE
rp RP RPPERCENTAGE PERCENTAGE
f FPERCENTAGE
rp
Page 2 of 48
UNDERWRITING YEAR : 2005 DATA POSITION FROM 01/01/2004
OCCUPATION : ALL
ZONE : ALL TO 31/12/2007
PROCESSING DATE 28/02/2008
Table B.2
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 11071 11071 13.45 13.45 294.27 294.27 0.02 0.02 8 8 2.94 2.94 99.65 99.65 0.05 0.05 0.00 0.00
2 50.00 100.00 7060 18131 8.58 22.03 610.63 904.90 0.03 0.05 21 29 7.72 10.66 343.32 442.97 0.16 0.20 0.00 0.00
3 100.00 200.00 9211 27342 11.19 33.23 1,634.86 2,539.76 0.09 0.13 15 44 5.51 16.18 1,128.76 1,571.73 0.52 0.72 0.00 0.00
4 200.00 300.00 6152 33494 7.48 40.70 1,806.71 4,346.47 0.09 0.23 36 80 13.24 29.41 3,431.91 5,003.64 1.57 2.30 0.00 0.00
5 300.00 500.00 8149 41643 9.90 50.61 5,167.38 9,513.85 0.27 0.50 24 104 8.82 38.24 2,761.67 7,765.31 1.27 3.56 0.00 0.00
6 500.00 750.00 5858 47501 7.12 57.72 4,174.06 13,687.91 0.22 0.72 21 125 7.72 45.96 482.93 8,248.24 0.22 3.78 0.00 0.00
7 750.00 1,000.00 4729 52230 5.75 63.47 4,886.43 18,574.34 0.26 0.97 9 134 3.31 49.26 279.48 8,527.72 0.13 3.91 0.00 0.00
8 1,000.00 1,500.00 4994 57224 6.07 69.54 9,269.49 27,843.83 0.49 1.46 18 152 6.62 55.88 1,569.51 10,097.23 0.72 4.63 0.00 0.00
9 1,500.00 2,000.00 3195 60419 3.88 73.42 9,716.78 37,560.61 0.51 1.97 16 168 5.88 61.76 1,830.35 11,927.58 0.84 5.47 0.00 0.00
10 2,000.00 2,500.00 2151 62570 2.61 76.04 5,481.54 43,042.15 0.29 2.26 8 176 2.94 64.71 2,126.18 14,053.76 0.98 6.45 0.00 0.00
11 2,500.00 3,000.00 1770 64340 2.15 78.19 5,567.92 48,610.07 0.29 2.55 6 182 2.21 66.91 1,418.70 15,472.46 0.65 7.10 0.00 0.00
12 3,000.00 4,000.00 2416 66756 2.94 81.12 9,510.21 58,120.28 0.50 3.05 14 196 5.15 72.06 2,772.64 18,245.10 1.27 8.37 0.00 0.00
13 4,000.00 5,000.00 1868 68624 2.27 83.39 9,542.46 67,662.73 0.50 3.55 11 207 4.04 76.10 3,772.51 22,017.61 1.73 10.10 0.00 0.00
14 5,000.00 7,500.00 2684 71308 3.26 86.65 18,273.90 85,936.63 0.96 4.51 9 216 3.31 79.41 5,735.31 27,752.92 2.63 12.73 0.00 0.00
15 7,500.00 10,000.00 1767 73075 2.15 88.80 17,454.99 103,391.62 0.92 5.42 2 218 0.74 80.15 15.41 27,768.33 0.01 12.74 0.00 0.00
16 10,000.00 20,000.00 3268 76343 3.97 92.77 55,031.58 158,423.20 2.89 8.31 13 231 4.78 84.93 17,743.40 45,511.73 8.14 20.88 0.00 0.00
17 20,000.00 50,000.00 2963 79306 3.60 96.37 115,769.68 274,192.88 6.07 14.38 21 252 7.72 92.65 38,344.55 83,856.28 17.59 38.48 0.00 0.00
18 50,000.00 100,000.00 1439 80745 1.75 98.12 136,652.78 410,845.66 7.17 21.54 4 256 1.47 94.12 6,253.48 90,109.76 2.87 41.35 0.00 0.00
19 100,000.00 500,000.00 1258 82003 1.53 99.65 480,672.08 891,517.74 25.20 46.74 10 266 3.68 97.79 127,207.11 217,316.87 58.37 99.71 0.00 0.01
20 500,000.00 UP 287 82290 0.35 100.00 1,015,690.75 1,907,208.49 53.26 100.00 6 272 2.21 100.00 627.34 217,944.21 0.29 100.00 0.00 0.01
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
CLAIM FREQUENCY LOSS RATIO
BAND
SUM INSURED (BAND) (In
Million Rp.)NUMBER OF RISKS
PERCENTAGEFROM TO f F
PERCENTAGEPERCENTAGE rp RP
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.)
PERCENTAGEF rp f
PERCENTAGERP
Page 3 of 48
UNDERWRITING YEAR : 2006 DATA POSITION FROM 01/01/2004
OCCUPATION : ALL
ZONE : ALL TO 31/12/2007
PROCESSING DATE 28/02/2008
Table B.3
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 7225 7225 7.93 7.93 237.30 237.30 0.01 0.01 27 27 3.68 3.68 626.67 626.67 0.19 0.19 0.00 0.00
2 50.00 100.00 6287 13512 6.90 14.82 607.30 844.60 0.03 0.04 42 69 5.72 9.40 1,287.18 1,913.85 0.39 0.57 0.00 0.00
3 100.00 200.00 9411 22923 10.33 25.15 1,783.12 2,627.72 0.08 0.12 42 111 5.72 15.12 1,784.13 3,697.98 0.53 1.11 0.00 0.00
4 200.00 300.00 7748 30671 8.50 33.65 2,414.56 5,042.28 0.11 0.23 51 162 6.95 22.07 2,186.01 5,883.99 0.65 1.76 0.00 0.00
5 300.00 500.00 10862 41533 11.92 45.57 5,460.35 10,502.63 0.25 0.49 81 243 11.04 33.11 3,385.02 9,269.01 1.01 2.78 0.00 0.00
6 500.00 750.00 7990 49523 8.77 54.33 6,004.78 16,507.41 0.28 0.77 72 315 9.81 42.92 5,386.20 14,655.21 1.61 4.39 0.00 0.00
7 750.00 1,000.00 6241 55764 6.85 61.18 6,652.29 23,159.70 0.31 1.08 60 375 8.17 51.09 5,866.89 20,522.10 1.76 6.15 0.00 0.00
8 1,000.00 1,500.00 6103 61867 6.70 67.88 9,108.73 32,268.42 0.42 1.50 36 411 4.90 55.99 1,902.09 22,424.19 0.57 6.72 0.00 0.00
9 1,500.00 2,000.00 4010 65877 4.40 72.28 8,392.42 40,660.85 0.39 1.89 27 438 3.68 59.67 4,943.43 27,367.62 1.48 8.20 0.00 0.00
10 2,000.00 2,500.00 2651 68528 2.91 75.18 7,032.07 47,692.92 0.33 2.22 21 459 2.86 62.53 5,130.39 32,498.01 1.54 9.73 0.00 0.00
11 2,500.00 3,000.00 2041 70569 2.24 77.42 6,586.90 54,279.81 0.31 2.53 12 471 1.63 64.17 95.07 32,593.08 0.03 9.76 0.00 0.00
12 3,000.00 4,000.00 2870 73439 3.15 80.57 11,629.03 65,908.85 0.54 3.07 33 504 4.50 68.66 5,015.82 37,608.90 1.50 11.27 0.00 0.00
13 4,000.00 5,000.00 2059 75498 2.26 82.83 10,851.24 76,760.09 0.51 3.57 21 525 2.86 71.53 18,198.27 55,807.17 5.45 16.72 0.00 0.00
14 5,000.00 7,500.00 2981 78479 3.27 86.10 20,698.10 97,458.19 0.96 4.54 26 551 3.54 75.07 8,736.05 64,543.22 2.62 19.33 0.00 0.00
15 7,500.00 10,000.00 1974 80453 2.17 88.27 19,504.93 116,963.12 0.91 5.45 24 575 3.27 78.34 3,956.73 68,499.95 1.19 20.52 0.00 0.00
16 10,000.00 20,000.00 3457 83910 3.79 92.06 55,832.96 172,796.08 2.60 8.05 48 623 6.54 84.88 29,760.87 98,260.82 8.91 29.43 0.00 0.00
17 20,000.00 50,000.00 3139 87049 3.44 95.50 111,558.74 284,354.82 5.19 13.24 39 662 5.31 90.19 58,485.81 156,746.63 17.52 46.95 0.00 0.00
18 50,000.00 100,000.00 1572 88621 1.72 97.23 124,186.53 408,541.35 5.78 19.02 21 683 2.86 93.05 11,958.06 168,704.69 3.58 50.53 0.00 0.00
19 100,000.00 500,000.00 1909 90530 2.09 99.32 450,440.28 858,981.63 20.97 39.99 39 722 5.31 98.37 15,969.84 184,674.53 4.78 55.32 0.00 0.00
20 500,000.00 UP 617 91147 0.68 100.00 1,288,873.89 2,147,855.52 60.01 100.00 12 734 1.63 100.00 149,171.31 333,845.84 44.68 100.00 0.00 0.00
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.)
RISK & LOSS PROFILE
CLAIM FREQUENCY LOSS RATIO
BAND
SUM INSURED (BAND)
(In Million Rp.)NUMBER OF RISKS
PERCENTAGEFROM TO f F
PERCENTAGEPERCENTAGE rp RP
PERCENTAGEF rp f
PERCENTAGERP
Page 4 of 48
UNDERWRITING YEAR : 2007 DATA POSITION FROM 01/01/2004
OCCUPATION : ALL
ZONE : ALL TO 31/12/2007
PROCESSING DATE 28/02/2008
Table B.4
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 3,064 3064 6.68 6.68 105.14 105.14 0.01 0.01 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 2,902 5966 6.33 13.01 283.71 388.85 0.02 0.03 9 9 4.29 4.29 216.37 216.37 0.10 0.10 0.00 0.00
3 100.00 200.00 5,356 11322 11.68 24.69 1,001.07 1,389.92 0.07 0.09 18 27 8.57 12.86 570.59 786.96 0.27 0.38 0.00 0.00
4 200.00 300.00 4,006 15328 8.73 33.42 1,266.15 2,656.07 0.08 0.17 22 49 10.48 23.33 607.73 1,394.69 0.29 0.67 0.00 0.00
5 300.00 500.00 5,600 20928 12.21 45.63 2,861.90 5,517.97 0.19 0.36 31 80 14.76 38.10 1,387.60 2,782.29 0.67 1.34 0.00 0.00
6 500.00 750.00 3,958 24886 8.63 54.26 3,036.67 8,554.64 0.20 0.56 21 101 10.00 48.10 1,122.66 3,904.95 0.54 1.88 0.00 0.00
7 750.00 1,000.00 3,368 28254 7.34 61.61 3,696.06 12,250.70 0.24 0.81 24 125 11.43 59.52 1,402.56 5,307.51 0.67 2.55 0.00 0.00
8 1,000.00 1,500.00 3,212 31466 7.00 68.61 4,884.51 17,135.22 0.32 1.13 9 134 4.29 63.81 1,475.78 6,783.29 0.71 3.26 0.00 0.00
9 1,500.00 2,000.00 2,106 33572 4.59 73.20 4,476.27 21,611.49 0.29 1.42 11 145 5.24 69.05 1,539.40 8,322.69 0.74 4.00 0.00 0.00
10 2,000.00 2,500.00 1,295 34867 2.82 76.02 3,514.63 25,126.12 0.23 1.65 5 150 2.38 71.43 582.79 8,905.48 0.28 4.28 0.00 0.00
11 2,500.00 3,000.00 1,032 35899 2.25 78.27 3,441.80 28,567.91 0.23 1.88 9 159 4.29 75.71 1,977.44 10,882.92 0.95 5.23 0.00 0.00
12 3,000.00 4,000.00 1,382 37281 3.01 81.29 5,805.97 34,373.88 0.38 2.26 7 166 3.33 79.05 3,474.10 14,357.02 1.67 6.90 0.00 0.00
13 4,000.00 5,000.00 996 38277 2.17 83.46 5,245.36 39,619.24 0.34 2.61 5 171 2.38 81.43 433.93 14,790.95 0.21 7.11 0.00 0.00
14 5,000.00 7,500.00 1,364 39641 2.97 86.43 9,725.71 49,344.95 0.64 3.25 6 177 2.86 84.29 1,318.57 16,109.52 0.63 7.74 0.00 0.00
15 7,500.00 10,000.00 995 40636 2.17 88.60 9,768.19 59,113.14 0.64 3.89 0 177 - 84.29 - 16,109.52 - 7.74 0.00 0.00
16 10,000.00 20,000.00 1,598 42234 3.48 92.09 26,858.32 85,971.46 1.77 5.65 3 180 1.43 85.71 950.00 17,059.52 0.46 8.20 0.00 0.00
17 20,000.00 50,000.00 1,639 43873 3.57 95.66 60,039.37 146,010.83 3.95 9.60 9 189 4.29 90.00 17,484.75 34,544.27 8.40 16.60 0.00 0.00
18 50,000.00 100,000.00 772 44645 1.68 97.34 108,213.69 254,224.52 7.12 16.72 4 193 4.00 94.00 5,770.96 40,315.23 2.77 19.37 0.00 0.00
19 100,000.00 500,000.00 893 45538 1.95 99.29 462,822.74 717,047.26 30.44 47.16 11 204 5.24 99.24 19,365.22 59,680.45 9.30 28.67 0.00 0.00
20 500,000.00 UP 325 45863 0.71 100.00 803,499.27 1,520,546.53 52.84 100.00 6 210 2.86 102.10 148,478.30 208,158.75 71.33 100.00 0.00 0.01
PERCENTAGEF rp f
PERCENTAGERP
PERCENTAGEPERCENTAGE rp RPFROM TO f F
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
CLAIM FREQUENCY LOSS RATIO
BAND
SUM INSURED (BAND) (In
Million Rp.)NUMBER OF RISKS
PERCENTAGE
Page 5 of 48
UNDERWRITING YEAR : DATA POSITION FROM 01/01/2004
OCCUPATION :
ZONE : TO 31/12/2007
Table C.1 PROCESSING DATE 28/02/2008
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 29 29 5.47 5.47 0.73 0.73 0.01 0.01 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 26 55 4.91 10.38 1.96 2.69 0.03 0.04 0 0 - - - - - - 0.00 0.00
3 100.00 200.00 35 90 6.60 16.98 4.96 7.65 0.07 0.11 0 0 - - - - - - 0.00 0.00
4 200.00 300.00 14 104 2.64 19.62 4.11 11.76 0.06 0.17 0 0 - - - - - - 0.00 0.00
5 300.00 500.00 29 133 5.47 25.09 12.18 23.94 0.17 0.34 0 0 - - - - - - 0.00 0.00
6 500.00 750.00 35 168 6.60 31.70 19.75 43.69 0.28 0.62 0 0 - - - - - - 0.00 0.00
7 750.00 1,000.00 17 185 3.21 34.91 16.94 60.63 0.24 0.86 0 0 - - - - - - 0.00 0.00
8 1,000.00 1,500.00 27 212 5.09 40.00 33.24 93.87 0.47 1.33 0 0 - - - - - - 0.00 0.00
9 1,500.00 2,000.00 18 230 3.40 43.40 28.10 121.97 0.40 1.72 0 0 - - - - - - 0.00 0.00
10 2,000.00 2,500.00 16 246 3.02 46.42 42.13 164.10 0.60 2.32 0 0 - - - - - - 0.00 0.00
11 2,500.00 3,000.00 15 261 2.83 49.25 44.52 208.62 0.63 2.95 0 0 - - - - - - 0.00 0.00
12 3,000.00 4,000.00 15 276 2.83 52.08 56.45 265.07 0.80 3.75 0 0 - - - - - - 0.00 0.00
13 4,000.00 5,000.00 20 296 3.77 55.85 97.15 362.22 1.37 5.12 0 0 - - - - - - 0.00 0.00
14 5,000.00 7,500.00 46 342 8.68 64.53 294.61 656.83 4.17 9.29 0 0 - - - - - - 0.00 0.00
15 7,500.00 10,000.00 39 381 7.36 71.89 321.92 978.75 4.55 13.84 0 0 - - - - - - 0.00 0.00
16 10,000.00 20,000.00 71 452 13.40 85.28 895.85 1,874.60 12.67 26.51 0 0 - - - - - - 0.00 0.00
17 20,000.00 50,000.00 39 491 7.36 92.64 1,483.78 3,358.38 20.98 47.49 0 0 - - - - 0.00 0.00
18 50,000.00 100,000.00 35 526 6.60 99.25 3,098.47 6,456.85 43.82 91.31 0 0 - - - - - - 0.00 0.00
19 100,000.00 500,000.00 4 530 0.75 100.00 614.82 7,071.67 8.69 100.00 0 0 - - - - - - 0.00 0.00
20 500,000.00 UP 0 530 - 100.00 - 7,071.67 - 100.00 0 0 - - - - - - 0.00 0.00
PERCENTAGE
NUMBER OF RISKS
f
2004
AGRICULTURAL
ALL
GROSS PREMIUM (In Million Rp.)
RISK & LOSS PROFILE
FRPPERCENTAGE
FROM TO rp PERCENTAGE PERCENTAGE
INCURRED CLAIM (In Million Rp.)
PT. Asuransi MAIPARK Indonesia
CLAIM FREQUENCY LOSS RATIO
BAND
f FPERCENTAGE
SUM INSURED (BAND) (In
Million Rp.)
rp RP
Page 6 of 48
UNDERWRITING YEAR : DATA POSITION FROM 01/01/2004
OCCUPATION :
ZONE : TO 31/12/2007
Table C.2 PROCESSING DATE 28/02/2008
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 4162 4162 13.85 13.85 117.73 117.73 0.04 0.04 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 2549 6711 8.48 22.33 221.31 339.04 0.07 0.11 1 1 1.96 1.96 80.92 80.92 0.60 0.60 0.00 0.00
3 100.00 200.00 3833 10544 12.76 35.09 688.66 1,027.70 0.22 0.32 2 3 3.92 5.88 144.25 225.17 1.07 1.67 0.00 0.00
4 200.00 300.00 2818 13362 9.38 44.47 825.41 1,853.11 0.26 0.58 2 5 3.92 9.80 116.19 341.36 0.86 2.53 0.00 0.00
5 300.00 500.00 3344 16706 11.13 55.59 1,803.22 3,656.33 0.57 1.15 2 7 3.92 13.73 190.29 531.65 1.41 3.94 0.00 0.00
6 500.00 750.00 2008 18714 6.68 62.28 1,504.55 5,160.88 0.47 1.62 3 10 5.88 19.61 186.78 718.43 1.38 5.32 0.00 0.00
7 750.00 1,000.00 1572 20286 5.23 67.51 1,736.35 6,897.23 0.55 2.17 2 12 3.92 23.53 425.33 1,143.76 3.15 8.47 0.00 0.00
8 1,000.00 1,500.00 1882 22168 6.26 73.77 3,731.63 10,628.86 1.17 3.34 7 19 13.73 37.25 2,434.43 3,578.19 18.03 26.51 0.01 0.01
9 1,500.00 2,000.00 1131 23299 3.76 77.53 2,294.47 12,923.33 0.72 4.06 2 21 3.92 41.18 1,253.16 4,831.35 9.28 35.79 0.00 0.01
10 2,000.00 2,500.00 768 24067 2.56 80.09 1,953.76 14,877.09 0.61 4.67 8 29 15.69 56.86 827.25 5,658.60 6.13 41.92 0.00 0.01
11 2,500.00 3,000.00 608 24675 2.02 82.11 1,944.65 16,821.74 0.61 5.28 2 31 3.92 60.78 48.75 5,707.35 0.36 42.28 0.00 0.01
12 3,000.00 4,000.00 824 25499 2.74 84.86 3,401.54 20,223.29 1.07 6.35 4 35 7.84 68.63 455.36 6,162.71 3.37 45.65 0.00 0.01
13 4,000.00 5,000.00 669 26168 2.23 87.08 3,624.49 23,847.77 1.14 7.49 1 36 1.96 70.59 4,917.04 11,079.75 36.42 82.08 0.01 0.03
14 5,000.00 7,500.00 843 27011 2.81 89.89 6,552.06 30,399.83 2.06 9.55 7 43 13.73 84.31 477.50 11,557.25 3.54 85.61 0.00 0.03
15 7,500.00 10,000.00 499 27510 1.66 91.55 5,222.94 35,622.78 1.64 11.19 0 43 - 84.31 - 11,557.25 - 85.61 0.00 0.03
16 10,000.00 20,000.00 951 28461 3.16 94.71 17,097.27 52,720.04 5.37 16.56 2 45 3.92 88.24 690.93 12,248.18 5.12 90.73 0.00 0.03
17 20,000.00 50,000.00 891 29352 2.97 97.68 38,521.47 91,241.51 12.10 28.65 0 45 - 88.24 - 12,248.18 - 90.73 0.00 0.03
18 50,000.00 100,000.00 388 29740 1.29 98.97 39,041.30 130,282.82 12.26 40.91 2 47 3.92 92.16 350.02 12,598.20 2.59 93.32 0.00 0.03
19 100,000.00 500,000.00 274 30014 0.91 99.88 83,096.80 213,379.62 26.10 67.01 4 51 7.84 100.00 901.33 13,499.53 6.68 100.00 0.00 0.03
20 500,000.00 UP 36 30050 0.12 100.00 105,045.16 318,424.78 32.99 100.00 0 51 - 100.00 - 13,499.53 - 100.00 0.00 0.03
ALL
INCURRED CLAIM (In Million Rp.)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
CLAIM FREQUENCY LOSS RATIO
BAND
f F
SUM INSURED (BAND) (In
Million Rp.)
2004
COMMERCIAL
GROSS PREMIUM (In Million Rp.)
PERCENTAGE
NUMBER OF RISKS
fPERCENTAGE
RP rp RPFROM TOPERCENTAGEPERCENTAGE PERCENTAGE
F rp
Page 7 of 48
UNDERWRITING YEAR : DATA POSITION FROM 01/01/2004
OCCUPATION :
ZONE : TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.3
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 768 768 6.00 6.00 19.58 19.58 0.00 0.00 1 1 5.26 5.26 11.32 11.32 0.00 0.00 0.00 0.00
2 50.00 100.00 469 1237 3.66 9.66 38.81 58.39 0.00 0.01 0 1 - 5.26 - 11.32 - 0.00 0.00 0.00
3 100.00 200.00 789 2026 6.16 15.82 132.23 190.62 0.01 0.02 1 2 5.26 10.53 330.26 341.58 0.06 0.06 0.00 0.00
4 200.00 300.00 503 2529 3.93 19.75 135.92 326.54 0.01 0.03 2 4 10.53 21.05 431.67 773.25 0.07 0.13 0.00 0.00
5 300.00 500.00 738 3267 5.76 25.51 342.01 668.55 0.03 0.06 0 4 - 21.05 - 773.25 - 0.13 0.00 0.00
6 500.00 750.00 594 3861 4.64 30.15 398.17 1,066.73 0.04 0.10 3 7 15.79 36.84 455.68 1,228.93 0.08 0.21 0.00 0.00
7 750.00 1,000.00 519 4380 4.05 34.20 581.12 1,647.85 0.06 0.16 1 8 5.26 42.11 313.78 1,542.71 0.05 0.26 0.00 0.00
8 1,000.00 1,500.00 740 5120 5.78 39.98 998.14 2,645.99 0.09 0.25 0 8 - 42.11 - 1,542.71 - 0.26 0.00 0.00
9 1,500.00 2,000.00 537 5657 4.19 44.17 1,017.57 3,663.56 0.10 0.35 0 8 - 42.11 - 1,542.71 - 0.26 0.00 0.00
10 2,000.00 2,500.00 449 6106 3.51 47.67 1,144.94 4,808.50 0.11 0.46 0 8 - 42.11 - 1,542.71 - 0.26 0.00 0.00
11 2,500.00 3,000.00 384 6490 3.00 50.67 1,685.46 6,493.97 0.16 0.62 1 9 5.26 47.37 800.00 2,342.71 0.13 0.39 0.00 0.00
12 3,000.00 4,000.00 563 7053 4.40 55.07 2,372.80 8,866.76 0.22 0.84 1 10 5.26 52.63 6.38 2,349.09 0.00 0.39 0.00 0.00
13 4,000.00 5,000.00 435 7488 3.40 58.46 2,253.54 11,120.30 0.21 1.05 0 10 - 52.63 - 2,349.09 - 0.39 0.00 0.00
14 5,000.00 7,500.00 705 8193 5.50 63.97 4,923.08 16,043.37 0.47 1.52 0 10 - 52.63 - 2,349.09 - 0.39 0.00 0.00
15 7,500.00 10,000.00 556 8749 4.34 68.31 5,515.15 21,558.53 0.52 2.04 0 10 - 52.63 - 2,349.09 - 0.39 0.00 0.00
16 10,000.00 20,000.00 1190 9939 9.29 77.60 20,757.47 42,316.00 1.97 4.01 2 12 10.53 63.16 196.64 2,545.73 0.03 0.43 0.00 0.00
17 20,000.00 50,000.00 1314 11253 10.26 87.86 49,529.82 91,845.82 4.69 8.70 2 14 10.53 73.68 2.83 2,548.56 0.00 0.43 0.00 0.00
18 50,000.00 100,000.00 659 11912 5.15 93.00 53,535.51 145,381.33 5.07 13.77 0 14 - 73.68 - 2,548.56 - 0.43 0.00 0.00
19 100,000.00 500,000.00 679 12591 5.30 98.31 174,198.61 319,579.94 16.50 30.28 1 15 5.26 78.95 56.14 2,604.70 0.01 0.44 0.00 0.00
20 500,000.00 UP 217 12808 1.69 100.00 735,879.49 1,055,459.43 69.72 100.00 4 19 21.05 100.00 593,712.57 596,317.27 99.56 100.00 0.01 0.01
PERCENTAGE PERCENTAGE
INCURRED CLAIM (In Million Rp.)
2004
INDUSTRIAL
ALL
GROSS PREMIUM (In Million Rp.)
FPERCENTAGE
rp RP
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
rp RPPERCENTAGE
BAND
f
CLAIM FREQUENCY LOSS RATIOSUM INSURED (BAND) (In
Million Rp.)
FROM TO fFPERCENTAGE
NUMBER OF RISKS
Page 8 of 48
UNDERWRITING YEAR : DATA POSITION FROM 01/01/2004
OCCUPATION :
ZONE : TO 31/12/2007
Table C.4 PROCESSING DATE 28/02/2008
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 597 597 6.63 6.63 18.19 18.19 0.03 0.03 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 836 1433 9.29 15.93 78.70 96.89 0.13 0.16 2 2 8.70 8.70 15.10 15.10 0.43 0.43 0.00 0.00
3 100.00 200.00 1129 2562 12.55 28.47 209.62 306.51 0.36 0.52 3 5 13.04 21.74 30.90 46.00 0.88 1.31 0.00 0.00
4 200.00 300.00 940 3502 10.45 38.92 308.94 615.45 0.52 1.04 2 7 8.70 30.43 28.43 74.43 0.81 2.12 0.00 0.00
5 300.00 500.00 1151 4653 12.79 51.71 586.00 1,201.45 0.99 2.04 6 13 26.09 56.52 758.68 833.11 21.60 23.72 0.04 0.04
6 500.00 750.00 879 5532 9.77 61.48 678.90 1,880.35 1.15 3.19 2 15 8.70 65.22 12.45 845.56 0.35 24.08 0.00 0.04
7 750.00 1,000.00 681 6213 7.57 69.05 754.87 2,635.22 1.28 4.47 3 18 13.04 78.26 478.45 1,324.01 13.62 37.70 0.02 0.06
8 1,000.00 1,500.00 650 6863 7.22 76.27 996.77 3,631.99 1.69 6.16 2 20 8.70 86.96 994.85 2,318.86 28.33 66.03 0.05 0.11
9 1,500.00 2,000.00 334 7197 3.71 79.98 730.44 4,362.44 1.24 7.40 2 22 8.70 95.65 1,180.65 3,499.51 33.62 99.65 0.06 0.17
10 2,000.00 2,500.00 276 7473 3.07 83.05 813.69 5,176.12 1.38 8.78 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17
11 2,500.00 3,000.00 185 7658 2.06 85.11 628.67 5,804.79 1.07 9.84 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17
12 3,000.00 4,000.00 201 7859 2.23 87.34 882.64 6,687.43 1.50 11.34 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17
13 4,000.00 5,000.00 183 8042 2.03 89.38 1,066.82 7,754.25 1.81 13.15 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17
14 5,000.00 7,500.00 235 8277 2.61 91.99 1,895.38 9,649.63 3.21 16.36 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17
15 7,500.00 10,000.00 150 8427 1.67 93.65 1,665.55 11,315.17 2.82 19.19 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17
16 10,000.00 20,000.00 193 8620 2.14 95.80 3,665.63 14,980.80 6.22 25.41 1 23 4.35 100.00 12.40 3,511.91 0.35 100.00 0.00 0.17
17 20,000.00 50,000.00 194 8814 2.16 97.96 8,147.42 23,128.23 13.82 39.22 0 23 - 100.00 - 3,511.91 - 100.00 0.00 0.17
18 50,000.00 100,000.00 99 8913 1.10 99.06 9,350.16 32,478.39 15.86 55.08 0 23 - 100.00 - 3,511.91 - 100.00 0.00 0.17
19 100,000.00 500,000.00 76 8989 0.84 99.90 17,567.06 50,045.45 29.79 84.87 0 23 - 100.00 - 3,511.91 - 100.00 0.00 0.17
20 500,000.00 UP 9 8998 0.10 100.00 8,921.43 58,966.87 15.13 100.00 0 23 - 100.00 - 3,511.91 - 100.00 0.00 0.17
ALL
INCURRED CLAIM (In Million Rp.)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
CLAIM FREQUENCY LOSS RATIO
BAND
f F
SUM INSURED (BAND) (In
Million Rp.)
2004
RESIDENTIAL
GROSS PREMIUM (In Million Rp.)
PERCENTAGE
NUMBER OF RISKS
fPERCENTAGE
RP rp RPFROM TOPERCENTAGEPERCENTAGE PERCENTAGE
F rp
Page 9 of 48
UNDERWRITING YEAR : 2005 DATA POSITION FROM 01/01/2004
OCCUPATION :
ZONE : ALL TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.5
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 51 51 8.40 8.40 1.43 1.43 0.00 0.00 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 27 78 4.45 12.85 2.10 3.53 0.00 0.00 0 0 - - - - - - 0.00 0.00
3 100.00 200.00 36 114 5.93 18.78 5.73 9.27 0.01 0.01 0 0 - - - - - - 0.00 0.00
4 200.00 300.00 17 131 2.80 21.58 4.81 14.08 0.01 0.02 0 0 - - - - - - 0.00 0.00
5 300.00 500.00 37 168 6.10 27.68 17.15 31.22 0.02 0.03 0 0 - - - - - - 0.00 0.00
6 500.00 750.00 31 199 5.11 32.78 22.84 54.06 0.03 0.06 0 0 - - - - - - 0.00 0.00
7 750.00 1,000.00 21 220 3.46 36.24 22.48 76.55 0.02 0.09 0 0 - - - - - - 0.00 0.00
8 1,000.00 1,500.00 29 249 4.78 41.02 41.99 118.54 0.05 0.13 0 0 - - - - - - 0.00 0.00
9 1,500.00 2,000.00 20 269 3.29 44.32 40.16 158.70 0.04 0.18 0 0 - - - - - - 0.00 0.00
10 2,000.00 2,500.00 14 283 2.31 46.62 38.51 197.21 0.04 0.22 0 0 - - - - - - 0.00 0.00
11 2,500.00 3,000.00 11 294 1.81 48.43 35.46 232.67 0.04 0.26 0 0 - - - - - - 0.00 0.00
12 3,000.00 4,000.00 24 318 3.95 52.39 95.95 328.61 0.11 0.37 0 0 - - - - - - 0.00 0.00
13 4,000.00 5,000.00 32 350 5.27 57.66 158.14 486.76 0.18 0.54 0 0 - - - - - - 0.00 0.00
14 5,000.00 7,500.00 61 411 10.05 67.71 396.82 883.57 0.44 0.98 0 0 - - - - - - 0.00 0.00
15 7,500.00 10,000.00 31 442 5.11 72.82 247.34 1,130.91 0.27 1.26 0 0 - - - - - - 0.00 0.00
16 10,000.00 20,000.00 70 512 11.53 84.35 1,009.52 2,140.43 1.12 2.38 0 0 - - - - - - 0.00 0.00
17 20,000.00 50,000.00 39 551 6.43 90.77 1,370.08 3,510.51 1.52 3.90 1 1 100.00 100.00 679.14 679.14 100.00 100.00 0.11 0.11
18 50,000.00 100,000.00 37 588 6.10 96.87 2,657.90 6,168.41 2.95 6.85 0 1 - 100.00 - 679.14 - 100.00 0.00 0.11
19 100,000.00 500,000.00 18 606 2.97 99.84 2,321.32 8,489.73 2.58 9.43 0 1 - 100.00 - 679.14 - 100.00 0.00 0.11
20 500,000.00 UP 1 607 0.16 100.00 81,510.96 90,000.69 90.57 100.00 0 1 - 100.00 - 679.14 - 100.00 0.00 0.11
RP
NUMBER OF RISKS
fPERCENTAGE
rp
PT. Asuransi MAIPARK Indonesia
CLAIM FREQUENCY LOSS RATIO
BAND
f FPERCENTAGE PERCENTAGE PERCENTAGE
SUM INSURED (BAND) (In
Million Rp.)
RISK & LOSS PROFILE
FRPPERCENTAGE
FROM TO rp
AGRICULTURAL
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.)
Page 10 of 48
UNDERWRITING YEAR : 2005 DATA POSITION FROM 01/01/2004
OCCUPATION :
ZONE : ALL TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.6
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 7839 7839 16.90 16.90 215.42 215.42 0.04 0.04 8 8 3.31 3.31 99.65 99.65 0.05 0.05 0.00 0.00
2 50.00 100.00 4715 12554 10.17 27.07 405.63 621.04 0.08 0.12 19 27 7.85 11.16 330.27 429.92 0.15 0.20 0.00 0.00
3 100.00 200.00 5398 17952 11.64 38.71 959.64 1,580.69 0.19 0.32 12 39 4.96 16.12 1,044.07 1,473.99 0.49 0.69 0.00 0.00
4 200.00 300.00 3420 21372 7.37 46.08 1,008.98 2,589.67 0.20 0.52 32 71 13.22 29.34 3,306.44 4,780.43 1.54 2.23 0.00 0.00
5 300.00 500.00 4635 26007 9.99 56.07 2,165.18 4,754.85 0.43 0.95 21 92 8.68 38.02 2,595.62 7,376.05 1.21 3.44 0.00 0.00
6 500.00 750.00 3261 29268 7.03 63.11 2,272.56 7,027.41 0.46 1.41 18 110 7.44 45.45 372.64 7,748.69 0.17 3.62 0.00 0.00
7 750.00 1,000.00 2808 32076 6.05 69.16 2,871.45 9,898.86 0.58 1.98 6 116 2.48 47.93 183.66 7,932.35 0.09 3.70 0.00 0.00
8 1,000.00 1,500.00 2881 34957 6.21 75.37 4,204.65 14,103.51 0.84 2.83 18 134 7.44 55.37 1,569.51 9,501.86 0.73 4.43 0.00 0.00
9 1,500.00 2,000.00 1770 36727 3.82 79.19 3,632.32 17,735.84 0.73 3.56 15 149 6.20 61.57 1,532.01 11,033.87 0.71 5.15 0.00 0.00
10 2,000.00 2,500.00 1202 37929 2.59 81.78 3,075.61 20,811.44 0.62 4.17 7 156 2.89 64.46 732.97 11,766.84 0.34 5.49 0.00 0.00
11 2,500.00 3,000.00 935 38864 2.02 83.80 2,904.33 23,715.78 0.58 4.76 5 161 2.07 66.53 1,339.81 13,106.65 0.63 6.12 0.00 0.00
12 3,000.00 4,000.00 1281 40145 2.76 86.56 5,077.44 28,793.22 1.02 5.77 13 174 5.37 71.90 2,730.78 15,837.43 1.27 7.39 0.00 0.00
13 4,000.00 5,000.00 927 41072 2.00 88.56 4,749.84 33,543.05 0.95 6.73 11 185 4.55 76.45 3,772.51 19,609.94 1.76 9.15 0.00 0.00
14 5,000.00 7,500.00 1236 42308 2.66 91.22 8,438.09 41,981.15 1.69 8.42 9 194 3.72 80.17 5,735.31 25,345.25 2.68 11.83 0.00 0.00
15 7,500.00 10,000.00 795 43103 1.71 92.94 7,895.86 49,877.01 1.58 10.00 2 196 0.83 80.99 15.41 25,360.66 0.01 11.84 0.00 0.00
16 10,000.00 20,000.00 1338 44441 2.88 95.82 22,951.33 72,828.34 4.60 14.60 12 208 4.96 85.95 17,648.40 43,009.06 8.24 20.07 0.00 0.00
17 20,000.00 50,000.00 1038 45479 2.24 98.06 43,078.15 115,906.49 8.64 23.24 18 226 7.44 93.39 37,435.35 80,444.41 17.47 37.54 0.00 0.01
18 50,000.00 100,000.00 489 45968 1.05 99.11 56,225.26 172,131.76 11.27 34.51 4 230 1.65 95.04 6,253.48 86,697.89 2.92 40.46 0.00 0.01
19 100,000.00 500,000.00 374 46342 0.81 99.92 259,112.46 431,244.22 51.95 86.47 9 239 3.72 98.76 127,193.03 213,890.92 59.36 99.82 0.01 0.02
20 500,000.00 1,000,000.00 37 46379 0.08 100.00 67,502.54 498,746.76 13.53 100.00 3 242 1.24 100.00 394.20 214,285.12 0.18 100.00 0.00 0.02
FROM TO rp
RISK & LOSS PROFILE
COMMERCIAL
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.) NUMBER OF RISKS
RPPERCENTAGE
PT. Asuransi MAIPARK Indonesia
CLAIM FREQUENCY LOSS RATIO
BAND
f FPERCENTAGE PERCENTAGE
SUM INSURED (BAND) (In
Million Rp.)
PERCENTAGEPERCENTAGE rp RPFf
Page 11 of 48
UNDERWRITING YEAR : DATA POSITION FROM 01/01/2004
OCCUPATION :
ZONE : TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.7
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 1826 1826 10.19 10.19 40.83 40.83 0.00 0.00 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 817 2643 4.56 14.76 64.18 105.00 0.01 0.01 0 0 - - - - - - 0.00 0.00
3 100.00 200.00 999 3642 5.58 20.33 155.23 260.24 0.02 0.03 0 0 - - - - - - 0.00 0.00
4 200.00 300.00 665 4307 3.71 24.05 170.40 430.64 0.02 0.05 0 0 - - - - - - 0.00 0.00
5 300.00 500.00 895 5202 5.00 29.04 1,725.88 2,156.52 0.19 0.24 0 0 - - - - - - 0.00 0.00
6 500.00 750.00 888 6090 4.96 34.00 612.11 2,768.63 0.07 0.31 0 0 - - - - - - 0.00 0.00
7 750.00 1,000.00 738 6828 4.12 38.12 723.14 3,491.77 0.08 0.39 0 0 - - - - - - 0.00 0.00
8 1,000.00 1,500.00 1057 7885 5.90 44.02 3,446.38 6,938.15 0.39 0.78 0 0 - - - - - - 0.00 0.00
9 1,500.00 2,000.00 787 8672 4.39 48.42 4,707.04 11,645.19 0.53 1.31 1 1 11.11 11.11 298.34 298.34 33.28 33.28 0.00 0.00
10 2,000.00 2,500.00 560 9232 3.13 51.54 1,382.79 13,027.98 0.16 1.46 0 1 - 11.11 - 298.34 - 33.28 0.00 0.00-
11 2,500.00 3,000.00 514 9746 2.87 54.41 1,603.25 14,631.23 0.18 1.64 1 2 11.11 22.22 78.89 377.23 8.80 42.08 0.00 0.00
12 3,000.00 4,000.00 763 10509 4.26 58.67 2,880.21 17,511.44 0.32 1.97 1 3 11.11 33.33 41.86 419.09 4.67 46.75 0.00 0.01
13 4,000.00 5,000.00 592 11101 3.31 61.98 2,905.27 20,416.71 0.33 2.30 0 3 - 33.33 - 419.09 - 46.75 0.00 0.01
14 5,000.00 7,500.00 1019 12120 5.69 67.67 6,870.05 27,286.76 0.77 3.07 0 3 - 33.33 - 419.09 - 46.75 0.00 0.01
15 7,500.00 10,000.00 749 12869 4.18 71.85 7,184.85 34,471.60 0.81 3.87 0 3 - 33.33 - 419.09 - 46.75 0.00 0.01
16 10,000.00 20,000.00 1547 14416 8.64 80.49 25,731.68 60,203.28 2.89 6.77 0 3 - 33.33 - 419.09 - 46.75 0.00 0.01
17 20,000.00 50,000.00 1657 16073 9.25 89.74 61,930.69 122,133.97 6.96 13.73 2 5 22.22 55.56 230.06 649.15 25.67 72.42 0.00 0.01
18 50,000.00 100,000.00 813 16886 4.54 94.28 67,723.27 189,857.24 7.61 21.34 0 5 - 55.56 - 649.15 - 72.42 0.00 0.01
19 100,000.00 500,000.00 789 17675 4.41 98.68 197,726.12 387,583.37 22.23 43.57 1 6 11.11 66.67 14.08 663.23 1.57 73.99 0.00 0.01
20 500,000.00 UP 236 17911 1.32 100.00 502,033.15 889,616.51 56.43 100.00 3 9 33.33 100.00 233.14 896.37 26.01 100.00 0.00 0.01
2005
INDUSTRIAL
ALL
GROSS PREMIUM (In Million Rp.)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
rp RPPERCENTAGE
BAND
f FPERCENTAGE
NUMBER OF RISKSSUM INSURED (BAND) (In
Million Rp.)
FROM TO
CLAIM FREQUENCY LOSS RATIO
f FPERCENTAGE
rp RPPERCENTAGE PERCENTAGE
INCURRED CLAIM (In Million Rp.)
Page 12 of 48
UNDERWRITING YEAR : DATA POSITION FROM 01/01/2004
OCCUPATION : RESIDENTIAL
ZONE : TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.8
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 1355 1355 7.79 7.79 36.59 36.59 0.01 0.01 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 1501 2856 8.63 16.42 138.72 175.32 0.03 0.04 2 2 10.00 10.00 13.05 13.05 0.63 0.63 0.00 0.00
3 100.00 200.00 2778 5634 15.97 32.39 514.25 689.57 0.12 0.16 3 5 15.00 25.00 84.69 97.74 4.06 4.69 0.00 0.00
4 200.00 300.00 2050 7684 11.79 44.18 622.52 1,312.09 0.15 0.31 4 9 20.00 45.00 125.47 223.21 6.02 10.71 0.00 0.00
5 300.00 500.00 2582 10266 14.85 59.02 1,259.16 2,571.25 0.29 0.60 3 12 15.00 60.00 166.05 389.26 7.97 18.68 0.00 0.00
6 500.00 750.00 1678 11944 9.65 68.67 1,266.54 3,837.80 0.30 0.89 3 15 15.00 75.00 110.29 499.55 5.29 23.98 0.00 0.01
7 750.00 1,000.00 1162 13106 6.68 75.35 1,269.36 5,107.16 0.30 1.19 3 18 15.00 90.00 95.82 595.37 4.60 28.57 0.00 0.01
8 1,000.00 1,500.00 1027 14133 5.90 81.26 1,576.47 6,683.63 0.37 1.56 0 18 - 90.00 - 595.37 - 28.57 0.00 0.01
9 1,500.00 2,000.00 618 14751 3.55 84.81 1,337.26 8,020.89 0.31 1.87 0 18 - 90.00 - 595.37 - 28.57 0.00 0.01
10 2,000.00 2,500.00 375 15126 2.16 86.97 984.63 9,005.52 0.23 2.10 1 19 5.00 95.00 1,393.21 1,988.58 66.87 95.44 0.02 0.02
11 2,500.00 3,000.00 310 15436 1.78 88.75 1,024.88 10,030.40 0.24 2.34 0 19 - 95.00 - 1,988.58 - 95.44 0.00 0.02
12 3,000.00 4,000.00 348 15784 2.00 90.75 1,456.61 11,487.01 0.34 2.68 0 19 - 95.00 - 1,988.58 - 95.44 0.00 0.02
13 4,000.00 5,000.00 317 16101 1.82 92.57 1,729.21 13,216.22 0.40 3.08 0 19 - 95.00 - 1,988.58 - 95.44 0.00 0.02
14 5,000.00 7,500.00 368 16469 2.12 94.69 2,568.93 15,785.15 0.60 3.68 0 19 - 95.00 - 1,988.58 - 95.44 0.00 0.02
15 7,500.00 10,000.00 192 16661 1.10 95.79 2,126.94 17,912.10 0.50 4.18 0 19 - 95.00 - 1,988.58 - 95.44 0.00 0.02
16 10,000.00 20,000.00 313 16974 1.80 97.59 5,339.04 23,251.14 1.24 5.42 1 20 5.00 100.00 95.00 2,083.58 4.56 100.00 0.00 0.02
17 20,000.00 50,000.00 229 17203 1.32 98.91 9,390.76 32,641.90 2.19 7.61 0 20 - 100.00 - 2,083.58 - 100.00 0.00 0.02
18 50,000.00 100,000.00 100 17303 0.57 99.48 10,046.35 42,688.25 2.34 9.95 0 20 - 100.00 - 2,083.58 - 100.00 0.00 0.02
19 100,000.00 500,000.00 77 17380 0.44 99.93 21,512.18 64,200.43 5.02 14.97 0 20 - 100.00 - 2,083.58 - 100.00 0.00 0.02
20 500,000.00 UP 13 17393 0.07 100.00 364,644.10 428,844.53 85.03 100.00 0 20 - 100.00 - 2,083.58 - 100.00 0.00 0.02
PERCENTAGE PERCENTAGE
INCURRED CLAIM (In Million Rp.)
2005
ALL
GROSS PREMIUM (In Million Rp.)
FPERCENTAGE
rp RP
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
rp RPPERCENTAGE
BAND
f
CLAIM FREQUENCY LOSS RATIOSUM INSURED (BAND) (In
Million Rp.)NUMBER OF RISKS
FROM TO fFPERCENTAGE
Page 13 of 48
UNDERWRITING YEAR : 2006 DATA POSITION FROM 01/01/2004
OCCUPATION : AGRICULTURAL
ZONE : ALL ZONE TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.9
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 3 3 0.51 0.51 0.14 0.14 0.00 0.00 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 3 6 0.51 1.02 0.25 0.39 0.00 0.00 0 0 - - - - - - 0.00 0.00
3 100.00 200.00 12 18 2.04 3.06 2.24 2.63 0.01 0.01 0 0 - - - - - - 0.00 0.00
4 200.00 300.00 7 25 1.19 4.24 2.06 4.69 0.01 0.02 0 0 - - - - - - 0.00 0.00
5 300.00 500.00 21 46 3.57 7.81 9.85 14.53 0.04 0.06 0 0 - - - - - - 0.00 0.00
6 500.00 750.00 19 65 3.23 11.04 14.92 29.46 0.06 0.13 0 0 - - - - - - 0.00 0.00
7 750.00 1,000.00 21 86 3.57 14.60 22.27 51.73 0.10 0.22 0 0 - - - - - - 0.00 0.00
8 1,000.00 1,500.00 16 102 2.72 17.32 24.17 75.90 0.10 0.33 0 0 - - - - - - 0.00 0.00
9 1,500.00 2,000.00 15 117 2.55 19.86 30.68 106.58 0.13 0.46 0 0 - - - - - - 0.00 0.00
10 2,000.00 2,500.00 5 122 0.85 20.71 14.72 121.30 0.06 0.52 0 0 - - - - - - 0.00 0.00
11 2,500.00 3,000.00 9 131 1.53 22.24 27.92 149.22 0.12 0.64 0 0 - - - - - - 0.00 0.00
12 3,000.00 4,000.00 41 172 6.96 29.20 130.91 280.13 0.56 1.20 0 0 - - - - - - 0.00 0.00
13 4,000.00 5,000.00 22 194 3.74 32.94 105.03 385.15 0.45 1.65 0 0 - - - - - - 0.00 0.00
14 5,000.00 7,500.00 70 264 11.88 44.82 492.51 877.66 2.11 3.77 2 2 100.00 100.00 500.00 500.00 100.00 100.00 0.43 0.43
15 7,500.00 10,000.00 30 294 5.09 49.92 292.96 1,170.63 1.26 5.03 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43
16 10,000.00 20,000.00 82 376 13.92 63.84 1,240.54 2,411.17 5.33 10.35 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43
17 20,000.00 50,000.00 84 460 14.26 78.10 3,052.87 5,464.04 13.11 23.46 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43
18 50,000.00 100,000.00 56 516 9.51 87.61 4,178.21 9,642.25 17.94 41.40 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43
19 100,000.00 500,000.00 69 585 11.71 99.32 10,695.23 20,337.48 45.92 87.33 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43
20 500,000.00 UP 4 589 0.68 100.00 2,951.01 23,288.49 12.67 100.00 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43
RISK & LOSS PROFILE
FRPPERCENTAGE
FROM TO rp
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.)
PERCENTAGERP
NUMBER OF RISKS
fPERCENTAGE
CLAIM FREQUENCY LOSS RATIO
BAND
f FPERCENTAGE PERCENTAGE
SUM INSURED (BAND)
(In Million Rp.)
rp
Page 14 of 48
UNDERWRITING YEAR : 2006 DATA POSITION FROM 01/01/2004
OCCUPATION : COMMERCIAL
ZONE : ALL ZONE TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.10
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 4,595 4595 9.33 9.33 153.37 153.37 0.03 0.03 9 9 3.69 3.69 208.89 208.89 0.19 0.19 0.00 0.00
2 50.00 100.00 3,514 8109 7.14 16.47 344.30 497.67 0.07 0.11 14 23 5.74 9.43 429.06 637.95 0.39 0.57 0.00 0.00
3 100.00 200.00 4,708 12817 9.56 26.03 895.17 1,392.84 0.19 0.30 14 37 5.74 15.16 594.71 1,232.66 0.54 1.11 0.00 0.00
4 200.00 300.00 3,775 16592 7.67 33.70 1,177.36 2,570.20 0.25 0.55 17 54 6.97 22.13 728.67 1,961.33 0.66 1.77 0.00 0.00
5 300.00 500.00 5,486 22078 11.14 44.84 2,748.00 5,318.20 0.58 1.13 27 81 11.07 33.20 1,128.34 3,089.67 1.02 2.78 0.00 0.00
6 500.00 750.00 4,613 26691 9.37 54.21 3,430.43 8,748.62 0.73 1.86 24 105 9.84 43.03 1,795.40 4,885.07 1.62 4.40 0.00 0.00
7 750.00 1,000.00 3,643 30334 7.40 61.61 3,871.11 12,619.73 0.82 2.68 20 125 8.20 51.23 1,955.63 6,840.70 1.76 6.16 0.00 0.00
8 1,000.00 1,500.00 3,746 34080 7.61 69.22 5,577.79 18,197.51 1.18 3.86 12 137 4.92 56.15 634.03 7,474.73 0.57 6.73 0.00 0.00
9 1,500.00 2,000.00 2,453 36533 4.98 74.20 5,115.95 23,313.47 1.09 4.95 9 146 3.69 59.84 1,647.81 9,122.54 1.48 8.21 0.00 0.00
10 2,000.00 2,500.00 1,629 38162 3.31 77.51 4,300.82 27,614.28 0.91 5.86 7 153 2.87 62.70 1,710.13 10,832.67 1.54 9.75 0.00 0.00
11 2,500.00 3,000.00 1,202 39364 2.44 79.95 3,865.57 31,479.86 0.82 6.68 4 157 1.64 64.34 31.69 10,864.36 0.03 9.78 0.00 0.00
12 3,000.00 4,000.00 1,693 41057 3.44 83.39 6,887.34 38,367.19 1.46 8.14 11 168 4.51 68.85 1,671.94 12,536.30 1.50 11.28 0.00 0.00
13 4,000.00 5,000.00 1,199 42256 2.44 85.82 6,346.19 44,713.38 1.35 9.49 7 175 2.87 71.72 6,066.09 18,602.39 5.46 16.74 0.00 0.00
14 5,000.00 7,500.00 1,667 43923 3.39 89.21 11,570.13 56,283.51 2.46 11.94 8 183 3.28 75.00 2,745.35 21,347.74 2.47 19.21 0.00 0.00
15 7,500.00 10,000.00 1,072 44995 2.18 91.38 10,671.99 66,955.50 2.26 14.21 8 191 3.28 78.28 1,318.91 22,666.65 1.19 20.40 0.00 0.00
16 10,000.00 20,000.00 1,730 46725 3.51 94.90 28,040.68 94,996.19 5.95 20.16 16 207 6.56 84.84 9,920.29 32,586.94 8.93 29.33 0.00 0.01
17 20,000.00 50,000.00 1,292 48017 2.62 97.52 46,163.88 141,160.07 9.80 29.95 13 220 5.33 90.16 19,495.27 52,082.21 17.55 46.87 0.00 0.01
18 50,000.00 100,000.00 521 48538 1.06 98.58 42,002.54 183,162.60 8.91 38.87 7 227 2.87 93.03 3,986.02 56,068.23 3.59 50.46 0.00 0.01
19 100,000.00 500,000.00 570 49108 1.16 99.74 148,834.14 331,996.74 31.58 70.45 13 240 5.33 98.36 5,323.28 61,391.51 4.79 55.25 0.00 0.01
20 500,000.00 UP 129 49237 0.26 100.00 139,248.04 471,244.78 29.55 100.00 4 244 1.64 100.00 49,723.77 111,115.28 44.75 100.00 0.01 0.02
PERCENTAGE
GROSS PREMIUM (In Million Rp.)
rp RP
CLAIM FREQUENCY LOSS RATIO
BAND
f FPERCENTAGE PERCENTAGE PERCENTAGE
SUM INSURED (BAND)
(In Million Rp.)
RISK & LOSS PROFILE
FRPPERCENTAGE
FROM TO rp
INCURRED CLAIM (In Million Rp.) NUMBER OF RISKS
f
Page 15 of 48
UNDERWRITING YEAR : 2006 DATA POSITION FROM 01/01/2004
OCCUPATION : INDUSTRIAL
ZONE : ALL ZONE TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.11
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 290 290 2.20 2.20 7.97 7.97 0.00 0.00 9 9 3.69 3.69 - - - - 0.00 0.00
2 50.00 100.00 285 575 2.16 4.36 27.04 35.01 0.00 0.00 14 23 5.74 9.43 - - - - 0.00 0.00
3 100.00 200.00 471 1046 3.57 7.93 85.58 120.59 0.01 0.01 14 37 5.74 15.16 - - - - 0.00 0.00
4 200.00 300.00 465 1511 3.52 11.45 146.88 267.47 0.01 0.02 17 54 6.97 22.13 - - - - 0.00 0.00
5 300.00 500.00 941 2452 7.13 18.59 521.70 789.17 0.03 0.05 27 81 11.07 33.20 - - - - 0.00 0.00
6 500.00 750.00 657 3109 4.98 23.57 533.59 1,322.76 0.03 0.09 24 105 9.84 43.03 - - - - 0.00 0.00
7 750.00 1,000.00 514 3623 3.90 27.46 526.44 1,849.20 0.03 0.12 20 125 8.20 51.23 - - - - 0.00 0.00
8 1,000.00 1,500.00 623 4246 4.72 32.18 910.13 2,759.33 0.06 0.18 12 137 4.92 56.15 87.77 87.77 5.94 5.94 0.00 0.00
9 1,500.00 2,000.00 589 4835 4.46 36.65 1,199.44 3,958.77 0.08 0.26 9 146 3.69 59.84 - 87.77 - 5.94 0.00 0.00
10 2,000.00 2,500.00 430 5265 3.26 39.91 1,101.09 5,059.86 0.07 0.33 7 153 2.87 62.70 113.27 201.04 7.67 13.62 0.00 0.00
11 2,500.00 3,000.00 397 5662 3.01 42.92 1,233.36 6,293.22 0.08 0.41 4 157 1.64 64.34 187.00 388.04 12.66 26.28 0.00 0.00
12 3,000.00 4,000.00 538 6200 4.08 46.99 2,097.69 8,390.91 0.14 0.55 11 168 4.51 68.85 219.32 607.36 14.85 41.13 0.00 0.00
13 4,000.00 5,000.00 458 6658 3.47 50.47 2,318.97 10,709.88 0.15 0.70 7 175 2.87 71.72 149.53 756.89 10.13 51.26 0.00 0.00
14 5,000.00 7,500.00 772 7430 5.85 56.32 5,212.69 15,922.57 0.34 1.04 8 183 3.28 75.00 417.84 1,174.73 28.30 79.56 0.00 0.01
15 7,500.00 10,000.00 557 7987 4.22 60.54 5,325.47 21,248.04 0.35 1.39 8 191 3.28 78.28 41.86 1,216.59 2.84 82.39 0.00 0.01
16 10,000.00 20,000.00 1244 9231 9.43 69.97 19,842.08 41,090.11 1.29 2.68 16 207 6.56 84.84 - 1,216.59 - 82.39 0.00 0.01
17 20,000.00 50,000.00 1508 10739 11.43 81.40 52,862.58 93,952.69 3.45 6.13 13 220 5.33 90.16 51.51 1,268.10 3.49 85.88 0.00 0.01
18 50,000.00 100,000.00 878 11617 6.66 88.05 67,653.45 161,606.14 4.41 10.54 7 227 2.87 93.03 123.92 1,392.03 8.39 94.27 0.00 0.01
19 100,000.00 500,000.00 1122 12739 8.50 96.56 253,964.22 415,570.36 16.57 27.11 13 240 5.33 98.36 19.17 1,411.19 1.30 95.57 0.00 0.01
20 500,000.00 UP 454 13193 3.44 100.00 1,117,063.57 1,532,633.93 72.89 100.00 4 244 1.64 100.00 65.37 1,476.56 4.43 100.00 0.00 0.01
RISK & LOSS PROFILE
BAND
SUM INSURED (BAND) (In
Million Rp.)NUMBER OF RISKS GROSS PREMIUM (In Million Rp.)
PERCENTAGE
CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) LOSS RATIO
FROM TO f FPERCENTAGE
rp RP RPPERCENTAGE PERCENTAGE
f FPERCENTAGE
rp
Page 16 of 48
UNDERWRITING YEAR : 2006 DATA POSITION FROM 01/01/2004
OCCUPATION : RESIDENTIAL
ZONE : ALL ZONE TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.12
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 2337 2337 8.31 8.31 75.81 75.81 0.06 0.06 9 9 3.69 3.69 10.00 10.00 0.43 0.43 0.00 0.00
2 50.00 100.00 2485 4822 8.83 17.14 235.72 311.53 0.20 0.26 14 23 5.74 9.43 124.54 134.54 5.34 5.77 0.00 0.00
3 100.00 200.00 4220 9042 15.00 32.15 800.13 1,111.67 0.66 0.92 14 37 5.74 15.16 61.75 196.30 2.65 8.42 0.00 0.01
4 200.00 300.00 3501 12543 12.45 44.59 1,088.27 2,199.93 0.90 1.82 17 54 6.97 22.13 254.91 451.20 10.94 19.36 0.01 0.02
5 300.00 500.00 4414 16957 15.69 60.29 2,180.80 4,380.74 1.81 3.63 27 81 11.07 33.20 311.47 762.67 13.37 32.73 0.01 0.03
6 500.00 750.00 2701 19658 9.60 69.89 2,025.83 6,406.57 1.68 5.31 24 105 9.84 43.03 40.71 803.38 1.75 34.47 0.00 0.03
7 750.00 1,000.00 2063 21721 7.33 77.22 2,232.47 8,639.04 1.85 7.16 20 125 8.20 51.23 509.92 1,313.30 21.88 56.36 0.02 0.05
8 1,000.00 1,500.00 1718 23439 6.11 83.33 2,596.64 11,235.68 2.15 9.31 12 137 4.92 56.15 831.88 2,145.18 35.70 92.05 0.03 0.08
9 1,500.00 2,000.00 953 24392 3.39 86.72 2,046.35 13,282.03 1.70 11.01 9 146 3.69 59.84 10.00 2,155.18 0.43 92.48 0.00 0.08
10 2,000.00 2,500.00 587 24979 2.09 88.80 1,615.44 14,897.47 1.34 12.34 7 153 2.87 62.70 - 2,155.18 - 92.48 0.00 0.08
11 2,500.00 3,000.00 433 25412 1.54 90.34 1,460.05 16,357.52 1.21 13.55 4 157 1.64 64.34 5.53 2,160.71 0.24 92.72 0.00 0.08
12 3,000.00 4,000.00 598 26010 2.13 92.47 2,513.10 18,870.62 2.08 15.64 11 168 4.51 68.85 - 2,160.71 - 92.72 0.00 0.08
13 4,000.00 5,000.00 380 26390 1.35 93.82 2,081.06 20,951.67 1.72 17.36 7 175 2.87 71.72 - 2,160.71 - 92.72 0.00 0.08
14 5,000.00 7,500.00 472 26862 1.68 95.50 3,422.77 24,374.44 2.84 20.20 8 183 3.28 75.00 - 2,160.71 - 92.72 0.00 0.08
15 7,500.00 10,000.00 315 27177 1.12 96.62 3,214.51 27,588.95 2.66 22.86 8 191 3.28 78.28 - 2,160.71 - 92.72 0.00 0.08
16 10,000.00 20,000.00 401 27578 1.43 98.04 6,709.66 34,298.61 5.56 28.42 16 207 6.56 84.84 - 2,160.71 - 92.72 0.00 0.08
17 20,000.00 50,000.00 255 27833 0.91 98.95 9,479.41 43,778.02 7.85 36.27 13 220 5.33 90.16 85.00 2,245.71 3.65 96.37 0.00 0.08
18 50,000.00 100,000.00 117 27950 0.42 99.37 10,352.34 54,130.36 8.58 44.85 7 227 2.87 93.03 50.00 2,295.71 2.15 98.51 0.00 0.08
19 100,000.00 500,000.00 148 28098 0.53 99.89 36,946.69 91,077.05 30.61 75.46 13 240 5.33 98.36 34.62 2,330.33 1.49 100.00 0.00 0.08
20 500,000.00 UP 30 28128 0.11 100.00 29,611.28 120,688.33 24.54 100.00 4 244 1.64 100.00 - 2,330.33 - 100.00 0.00 0.08
RISK & LOSS PROFILE
FRPPERCENTAGE
FROM TO rp PERCENTAGE PERCENTAGE
rp RP
NUMBER OF RISKS
fPERCENTAGE
CLAIM FREQUENCY LOSS RATIO
BAND
f FPERCENTAGE
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.) SUM INSURED (BAND) (In
Million Rp.)
Page 17 of 48
UNDERWRITING YEAR : 2007 DATA POSITION FROM 01/01/2004
OCCUPATION : AGRICULTURAL
ZONE : ALL TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.13
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 3 3.00 0.88 0.88 0.08 0.08 0.00 0.00 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 16 19.00 4.69 5.57 1.34 1.42 0.01 0.02 0 0 - - - - - - 0.00 0.00
3 100.00 200.00 17 36.00 4.99 10.56 2.31 3.73 0.02 0.04 0 0 - - - - - - 0.00 0.00
4 200.00 300.00 9 45.00 2.64 13.20 2.37 6.10 0.03 0.06 0 0 - - - - - - 0.00 0.00
5 300.00 500.00 13 58.00 3.81 17.01 6.01 12.12 0.06 0.13 0 0 - - - - - - 0.00 0.00
6 500.00 750.00 8 66.00 2.35 19.35 5.73 17.85 0.06 0.19 0 0 - - - - - - 0.00 0.00
7 750.00 1,000.00 14 80.00 4.11 23.46 14.19 32.03 0.15 0.34 0 0 - - - - - - 0.00 0.00
8 1,000.00 1,500.00 14 94.00 4.11 27.57 20.42 52.45 0.22 0.56 0 0 - - - - - - 0.00 0.00
9 1,500.00 2,000.00 10 104.00 2.93 30.50 20.42 72.87 0.22 0.77 0 0 - - - - - - 0.00 0.00
10 2,000.00 2,500.00 7 111.00 2.05 32.55 18.69 91.56 0.20 0.97 0 0 - - - - - - 0.00 0.00
11 2,500.00 3,000.00 4 115.00 1.17 33.72 10.18 101.74 0.11 1.08 0 0 - - - - - - 0.00 0.00
12 3,000.00 4,000.00 8 123.00 2.35 36.07 31.65 133.39 0.34 1.42 0 0 - - - - - - 0.00 0.00
13 4,000.00 5,000.00 14 137.00 4.11 40.18 68.34 201.73 0.73 2.14 0 0 - - - - - - 0.00 0.00
14 5,000.00 7,500.00 19 156.00 5.57 45.75 82.84 284.58 0.88 3.02 0 0 - - - - - - 0.00 0.00
15 7,500.00 10,000.00 11 167.00 3.23 48.97 117.78 402.36 1.25 4.27 0 0 - - - - - - 0.00 0.00
16 10,000.00 20,000.00 48 215.00 14.08 63.05 748.97 1,151.33 7.95 12.21 0 0 - - - - - - 0.00 0.00
17 20,000.00 50,000.00 76 291.00 22.29 85.34 2,949.06 4,100.39 31.28 43.50 0 0 - - - - - - 0.00 0.00
18 50,000.00 100,000.00 36 327.00 10.56 95.89 1,506.84 5,607.23 15.98 59.48 0 0 - - - - - - 0.00 0.00
19 100,000.00 500,000.00 13 340.00 3.81 99.71 3,131.98 8,739.20 33.22 92.71 0 0 - - - - - - 0.00 0.00
20 500,000.00 UP 1 341.00 0.29 100.00 687.56 9,426.77 7.29 100.00 0 0 - - - - - - 0.00 0.00
PT. Asuransi MAIPARK Indonesia
CLAIM FREQUENCY LOSS RATIO
BAND
f FPERCENTAGE PERCENTAGE
SUM INSURED (BAND) (In
Million Rp.)
rp RP
NUMBER OF RISKS
fPERCENTAGE
RISK & LOSS PROFILE
FRPPERCENTAGE
FROM TO rp
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.)
PERCENTAGE
Page 18 of 48
UNDERWRITING YEAR : 2007 DATA POSITION FROM 01/01/2004
OCCUPATION : COMMERCIAL
ZONE : ALL TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.14
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 1,800 1800 8.04 8.04 60.25 60.25 0.02 0.02 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 1,285 3085 5.74 13.79 128.28 188.53 0.04 0.05 2 2 1.49 1.49 59.21 59.21 0.03 0.03 0.00 0.00
3 100.00 200.00 2,525 5610 11.28 25.07 459.76 648.29 0.13 0.18 0 2 - 1.49 - 59.21 - 0.03 0.00 0.00
4 200.00 300.00 1,682 7292 7.52 32.59 525.08 1,173.37 0.14 0.32 12 14 8.96 10.45 339.20 398.41 0.17 0.21 0.00 0.00
5 300.00 500.00 2,585 9877 11.55 44.14 1,338.69 2,512.06 0.37 0.69 13 27 9.70 20.15 833.10 1,231.51 0.43 0.63 0.00 0.00
6 500.00 750.00 2,025 11902 9.05 53.19 1,550.74 4,062.80 0.43 1.11 11 38 8.21 28.36 431.54 1,663.05 0.22 0.86 0.00 0.00
7 750.00 1,000.00 1,819 13721 8.13 61.32 1,997.03 6,059.83 0.55 1.66 23 61 17.16 45.52 1,327.56 2,990.61 0.68 1.54 0.00 0.00
8 1,000.00 1,500.00 1,727 15448 7.72 69.04 2,624.09 8,683.92 0.72 2.38 9 70 6.72 52.24 1,475.78 4,466.39 0.76 2.30 0.00 0.00
9 1,500.00 2,000.00 1,112 16560 4.97 74.00 2,384.73 11,068.64 0.65 3.04 8 78 5.97 58.21 714.40 5,180.79 0.37 2.67 0.00 0.00
10 2,000.00 2,500.00 709 17269 3.17 77.17 1,937.25 13,005.89 0.53 3.57 4 82 2.99 61.19 440.29 5,621.08 0.23 2.90 0.00 0.00
11 2,500.00 3,000.00 551 17820 2.46 79.64 1,844.21 14,850.11 0.51 4.07 9 91 6.72 67.91 1,977.44 7,598.52 1.02 3.91 0.00 0.00
12 3,000.00 4,000.00 749 18569 3.35 82.98 3,225.82 18,075.93 0.89 4.96 6 97 4.48 72.39 3,286.60 10,885.12 1.69 5.61 0.00 0.00
13 4,000.00 5,000.00 554 19123 2.48 85.46 2,975.32 21,051.25 0.82 5.78 4 101 2.99 75.37 373.93 11,259.05 0.19 5.80 0.00 0.00
14 5,000.00 7,500.00 679 19802 3.03 88.49 4,797.14 25,848.39 1.32 7.09 6 107 4.48 79.85 1,318.57 12,577.62 0.68 6.48 0.00 0.00
15 7,500.00 10,000.00 413 20215 1.85 90.34 4,152.86 30,001.25 1.14 8.23 0 107 - 79.85 - 12,577.62 - 6.48 0.00 0.00
16 10,000.00 20,000.00 754 20969 3.37 93.71 12,947.83 42,949.08 3.55 11.79 3 110 2.24 82.09 950.00 13,527.62 0.49 6.97 0.00 0.00
17 20,000.00 50,000.00 730 21699 3.26 96.97 26,756.69 69,705.76 7.34 19.13 5 115 3.73 85.82 8,110.00 21,637.62 4.18 11.15 0.00 0.00
18 50,000.00 100,000.00 305 22004 1.36 98.33 25,553.04 95,258.80 7.01 26.14 4 119 2.99 88.81 5,770.96 27,408.58 2.97 14.12 0.00 0.00
19 100,000.00 500,000.00 308 22312 1.38 99.71 87,894.93 183,153.73 24.12 50.26 9 128 6.72 95.52 18,254.11 45,662.69 9.40 23.52 0.00 0.01
20 500,000.00 UP 65 22377 0.29 100.00 181,284.44 364,438.18 49.74 100.00 6 134 4.48 100.00 148,478.30 194,140.99 76.48 100.00 0.02 0.03
PERCENTAGEF rp f
PERCENTAGERP
PERCENTAGEPERCENTAGE rp RPFROM TO f F
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
CLAIM FREQUENCY LOSS RATIO
BAND
SUM INSURED (BAND) (In
Million Rp.)NUMBER OF RISKS
PERCENTAGE
Page 19 of 48
UNDERWRITING YEAR : 2007 DATA POSITION FROM 01/01/2004
OCCUPATION : INDUSTRIAL
ZONE : ALL TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.15
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 331 331 4.61 4.61 12.40 12.40 0.00 0.00 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 436 767 6.08 10.69 37.81 50.21 0.00 0.00 1 1 20.00 20.00 50.00 50.00 0.53 0.53 0.00 0.00
3 100.00 200.00 414 1181 5.77 16.46 74.52 124.73 0.01 0.01 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
4 200.00 300.00 298 1479 4.15 20.61 91.66 216.39 0.01 0.02 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
5 300.00 500.00 383 1862 5.34 25.95 187.26 403.65 0.02 0.04 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
6 500.00 750.00 297 2159 4.14 30.09 227.64 631.29 0.02 0.06 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
7 750.00 1,000.00 295 2454 4.11 34.20 319.27 950.56 0.03 0.09 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
8 1,000.00 1,500.00 337 2791 4.70 38.90 506.13 1,456.68 0.05 0.14 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
9 1,500.00 2,000.00 322 3113 4.49 43.39 656.58 2,113.26 0.06 0.20 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
10 2,000.00 2,500.00 222 3335 3.09 46.48 588.69 2,701.95 0.06 0.25 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
11 2,500.00 3,000.00 187 3522 2.61 49.09 632.03 3,333.97 0.06 0.31 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
12 3,000.00 4,000.00 284 3806 3.96 53.05 1,131.77 4,465.74 0.11 0.42 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
13 4,000.00 5,000.00 212 4018 2.95 56.00 1,075.06 5,540.80 0.10 0.52 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
14 5,000.00 7,500.00 435 4453 6.06 62.06 3,175.77 8,716.57 0.30 0.82 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
15 7,500.00 10,000.00 297 4750 4.14 66.20 2,928.95 11,645.52 0.28 1.10 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
16 10,000.00 20,000.00 629 5379 8.77 74.97 10,238.00 21,883.52 0.97 2.07 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00
17 20,000.00 50,000.00 703 6082 9.80 84.77 25,589.04 47,472.56 2.41 4.48 4 5 80.00 100.00 9,374.75 9,424.75 99.47 100.00 0.01 0.01
18 50,000.00 100,000.00 374 6456 5.21 89.98 75,757.84 123,230.40 7.15 11.63 0 5 - 100.00 - 9,424.75 - 100.00 0.00 0.01
19 100,000.00 500,000.00 485 6941 6.76 96.74 346,530.23 469,760.63 32.70 44.33 0 5 - 100.00 - 9,424.75 - 100.00 0.00 0.01
20 500,000.00 UP 234 7175 3.26 100.00 589,934.83 1,059,695.45 55.67 100.00 0 5 - 100.00 - 9,424.75 - 100.00 0.00 0.01
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
CLAIM FREQUENCY LOSS RATIO
BAND
SUM INSURED (BAND) (In
Million Rp.)NUMBER OF RISKS
PERCENTAGEFROM TO f F
PERCENTAGEPERCENTAGE rp RP
PERCENTAGEF rp f
PERCENTAGERP
Page 20 of 48
UNDERWRITING YEAR : 2007 DATA POSITION FROM 01/01/2004
OCCUPATION : RESIDENTIAL
ZONE : ALL TO 31/12/2007
PROCESSING DATE 28/02/2008
Table C.16
BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.
1 0.00 50.00 930 930 5.82 5.82 32.40 32.40 0.04 0.04 0 0 - - - - - - 0.00 0.00
2 50.00 100.00 1165 2095 7.29 13.12 116.28 148.68 0.13 0.17 7 7 9.86 9.86 157.15 157.15 3.42 3.42 0.00 0.00
3 100.00 200.00 2400 4495 15.03 28.15 464.48 613.16 0.53 0.70 13 20 18.31 28.17 394.75 551.90 8.59 12.02 0.01 0.01
4 200.00 300.00 2017 6512 12.63 40.78 647.05 1,260.21 0.74 1.45 15 35 21.13 49.30 444.37 996.27 9.67 21.69 0.01 0.02
5 300.00 500.00 2619 9131 16.40 57.18 1,329.94 2,590.15 1.53 2.98 18 53 25.35 74.65 554.50 1,550.77 12.07 33.76 0.01 0.04
6 500.00 750.00 1628 10759 10.19 67.37 1,252.56 3,842.71 1.44 4.42 9 62 12.68 87.32 641.12 2,191.89 13.96 47.72 0.02 0.05
7 750.00 1,000.00 1240 11999 7.76 75.13 1,365.57 5,208.28 1.57 5.99 1 63 1.41 88.73 75.00 2,266.89 1.63 49.36 0.00 0.06
8 1,000.00 1,500.00 1134 13133 7.10 82.24 1,733.88 6,942.16 1.99 7.98 0 63 - 88.73 - 2,266.89 - 49.36 0.00 0.06
9 1,500.00 2,000.00 662 13795 4.15 86.38 1,414.55 8,356.72 1.63 9.61 3 66 4.23 92.96 825.00 3,091.89 17.96 67.32 0.02 0.08
10 2,000.00 2,500.00 357 14152 2.24 88.62 969.99 9,326.71 1.12 10.72 1 67 1.41 94.37 142.50 3,234.39 3.10 70.42 0.00 0.08
11 2,500.00 3,000.00 290 14442 1.82 90.43 955.38 10,282.09 1.10 11.82 0 67 - 94.37 - 3,234.39 - 70.42 0.00 0.08
12 3,000.00 4,000.00 341 14783 2.14 92.57 1,416.73 11,698.82 1.63 13.45 1 68 1.41 95.77 187.50 3,421.89 4.08 74.50 0.00 0.09
13 4,000.00 5,000.00 216 14999 1.35 93.92 1,126.63 12,825.45 1.30 14.74 1 69 1.41 97.18 60.00 3,481.89 1.31 75.81 0.00 0.09
14 5,000.00 7,500.00 231 15230 1.45 95.37 1,669.96 14,495.42 1.92 16.66 0 69 - 97.18 - 3,481.89 - 75.81 0.00 0.09
15 7,500.00 10,000.00 274 15504 1.72 97.08 2,568.60 17,064.01 2.95 19.62 0 69 - 97.18 - 3,481.89 - 75.81 0.00 0.09
16 10,000.00 20,000.00 167 15671 1.05 98.13 2,923.52 19,987.54 3.36 22.98 0 69 - 97.18 - 3,481.89 - 75.81 0.00 0.09
17 20,000.00 50,000.00 130 15801 0.81 98.94 4,744.57 24,732.11 5.45 28.43 0 69 - 97.18 - 3,481.89 - 75.81 0.00 0.09
18 50,000.00 100,000.00 57 15858 0.36 99.30 5,395.98 30,128.09 6.20 34.64 0 69 - 97.18 - 3,481.89 - 75.81 0.00 0.09
19 100,000.00 500,000.00 87 15945 0.54 99.84 25,265.61 55,393.70 29.05 63.68 2 71 2.82 100.00 1,111.11 4,593.00 24.19 100.00 0.03 0.11
20 500,000.00 UP 25 15970 0.16 100.00 31,592.43 86,986.13 36.32 100.00 0 71 - 100.00 - 4,593.00 - 100.00 0.00 0.11
GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.)
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE
CLAIM FREQUENCY LOSS RATIO
BAND
SUM INSURED (BAND) (In
Million Rp.)NUMBER OF RISKS
PERCENTAGEFROM TO f F
PERCENTAGEPERCENTAGE rp RP
PERCENTAGEF rp f
PERCENTAGERP
Page 21 of 48
Aggregate Exposures
0.00
100,000.00
200,000.00
300,000.00
400,000.00
500,000.00
600,000.00
1.11.11.11.1 1.21.21.21.2 1.31.31.31.3 2.12.12.12.1 2.22.22.22.2 2.32.32.32.3 3.13.13.13.1 3.23.23.23.2 3.33.33.33.3 4.14.14.14.1 4.24.24.24.2 4.34.34.34.3 5.15.15.15.1 5.25.25.25.2 6.06.06.06.0 7.17.17.17.1 7.27.27.27.2 8.08.08.08.0
U/Y 2004
U/Y 2005
U/Y 2006
U/Y 2007
Cresta Zone
Table D.1
Page 22 of 48Remarks : 100% figures
In Billions IDR
Table D.2Table D.2Table D.2Table D.2
In IDR
Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in %
Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 2,991,848,354,112.28 19,558,587,948,251.30 4,749,725,941,121.37 7,466,207,316,619.63
MedanMedanMedanMedan 1.21.21.21.2 22,075,325,650,910.40 28,137,089,340,559.10 40,884,675,136,981.00 29,769,185,506,791.90
OthersOthersOthersOthers 1.31.31.31.3 5,667,286,023,328.51 9,665,997,686,081.70 13,438,206,809,158.60 18,674,323,845,062.90
North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 30,734,460,028,351.20 3% 57,361,674,974,892.10 4% 59,072,607,887,261.00 3% 55,909,716,668,474.40 5%
PadangPadangPadangPadang 2.12.12.12.1 4,496,181,461,155.24 5,246,554,344,258.29 5,742,163,362,145.10 4,591,834,792,159.98
PalembangPalembangPalembangPalembang 2.22.22.22.2 4,168,162,658,556.74 26,044,328,687,045.10 16,660,443,401,226.70 8,803,293,553,689.46
OthersOthersOthersOthers 2.32.32.32.3 66,279,315,313,842.10 85,078,633,101,277.70 120,481,811,052,194.00 97,682,476,265,604.20
South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 74,943,659,433,554.10 7% 116,369,516,132,581.00 7% 142,884,417,815,566.00 7% 111,077,604,611,454.00 10%
DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 251,714,493,296,035.00 512,361,820,196,686.00 388,770,094,572,768.00 235,216,366,534,371.00
Bandung Bandung Bandung Bandung 3.23.23.23.2 16,508,515,487,421.80 26,489,234,747,708.70 294,142,046,143,173.00 50,688,687,032,543.80
OthersOthersOthersOthers 3.33.33.33.3 342,323,979,428,640.00 411,216,138,270,203.00 603,275,885,661,793.00 381,418,049,528,262.00
DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 610,546,988,212,098.00 60% 950,067,193,214,598.00 61% 1,286,188,026,377,730.00 63% 667,323,103,095,177.00 62%
SemarangSemarangSemarangSemarang 4.14.14.14.1 16,588,538,908,965.30 17,931,045,050,876.00 26,954,798,867,654.50 16,596,795,975,926.40
YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 1,997,020,191,309.11 3,796,006,609,950.96 6,812,485,938,858.27 4,489,509,294,397.74
OthersOthersOthersOthers 4.34.34.34.3 19,662,191,311,680.70 55,524,224,651,423.30 63,022,533,672,054.00 23,075,988,375,495.30
DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 38,247,750,411,955.10 4% 77,251,276,312,250.30 5% 96,789,818,478,566.80 5% 44,162,293,645,819.50 4%
SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 36,209,735,602,406.10 42,691,740,623,228.50 53,491,426,950,940.00 30,588,811,013,079.20
OthersOthersOthersOthers 5.25.25.25.2 116,842,780,611,848.00 112,581,066,670,440.00 187,334,764,323,212.00 91,334,545,936,891.20
East JavaEast JavaEast JavaEast Java 5555 153,052,516,214,254.00 15% 155,272,807,293,668.00 10% 240,826,191,274,152.00 12% 121,923,356,949,970.00 11%
KalimantanKalimantanKalimantanKalimantan 6666 35,688,923,265,648.50 3% 126,317,167,129,982.00 8% 92,500,006,423,550.80 5% 40,138,463,123,462.50 4%
Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 3,783,478,434,329.72 6,185,748,726,847.72 15,828,408,398,897.90 3,134,325,907,754.67
OthersOthersOthersOthers 7.27.27.27.2 45,350,383,723,125.10 43,578,771,491,006.90 53,441,283,050,807.50 11,832,974,269,774.00
SulawesiSulawesiSulawesiSulawesi 7777 49,133,862,157,454.90 5% 49,764,520,217,854.70 3% 69,269,691,449,705.50 3% 14,967,300,177,528.70 1%
Other IslandOther IslandOther IslandOther Island 8888 30,382,692,050,748.90 3% 24,906,824,288,087.00 2% 40,427,188,463,636.40 2% 22,563,615,744,954.60 2%
1,022,730,851,774,060.00 100% 1,557,310,979,563,910.00 100% 2,027,957,948,170,170.00 100% 1,078,065,454,016,840.00 100%
U/Y 2007U/Y 2007U/Y 2007U/Y 2007CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONE
AGGREGATE EXPOSURES
AS AT 31st DECEMBER 2007
T O T A LT O T A LT O T A LT O T A L
U/Y 2006U/Y 2006U/Y 2006U/Y 2006U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005
Page 23 of 48
Gross Premium Income
0.00
100,000.00
200,000.00
300,000.00
400,000.00
500,000.00
600,000.00
1.11.11.11.1 1.21.21.21.2 1.31.31.31.3 2.12.12.12.1 2.22.22.22.2 2.32.32.32.3 3.13.13.13.1 3.23.23.23.2 3.33.33.33.3 4.14.14.14.1 4.24.24.24.2 4.34.34.34.3 5.15.15.15.1 5.25.25.25.2 6.06.06.06.0 7.17.17.17.1 7.27.27.27.2 8.08.08.08.0
U/Y 2004
U/Y 2005
U/Y 2006
U/Y 2007
Cresta Zone
In Millions IDR
Page 24 0f 48Remarks : 100% figures
Table E.1
Table E.2Table E.2Table E.2Table E.2
In IDR
Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in %
Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 2,673,205,363.03 1,442,695,025.82 3,991,544,532.27 5,089,870,821.24
MedanMedanMedanMedan 1.21.21.21.2 25,942,706,361.36 47,324,344,212.47 46,045,149,289.30 29,697,937,723.62
OthersOthersOthersOthers 1.31.31.31.3 6,339,735,887.24 10,685,128,215.06 14,810,337,145.21 23,753,426,569.07
North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 34,955,647,611.62 2% 59,452,167,453.35 3% 64,847,030,966.78 3% 58,541,235,113.93 4%
PadangPadangPadangPadang 2.12.12.12.1 5,572,534,535.77 5,915,742,165.67 6,718,458,303.28 5,069,946,264.27
PalembangPalembangPalembangPalembang 2.22.22.22.2 3,828,324,475.65 24,200,965,654.40 15,741,213,038.83 8,363,386,288.37
OthersOthersOthersOthers 2.32.32.32.3 77,182,936,269.12 66,501,280,533.21 122,361,270,848.17 99,337,638,780.90
South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 86,583,795,280.54 6% 96,617,988,353.29 5% 144,820,942,190.29 7% 112,770,971,333.54 7%
DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 377,869,820,975.17 742,448,593,077.71 454,108,720,664.63 291,934,967,717.68
Bandung Bandung Bandung Bandung 3.23.23.23.2 20,359,994,555.77 47,570,832,732.21 295,113,239,598.68 64,623,881,294.63
OthersOthersOthersOthers 3.33.33.33.3 471,212,444,699.22 502,335,524,089.81 629,935,348,783.96 508,000,408,402.93
DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 869,442,260,230.15 60% 1,292,354,949,899.73 68% 1,379,157,309,047.26 64% 864,559,257,415.24 57%
SemarangSemarangSemarangSemarang 4.14.14.14.1 16,127,729,948.25 37,844,947,865.56 30,362,867,068.66 14,793,872,268.66
YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 2,250,004,629.68 4,724,013,608.48 7,740,245,309.63 5,303,972,659.29
OthersOthersOthersOthers 4.34.34.34.3 21,793,675,505.71 23,571,849,348.65 59,916,321,446.46 24,231,641,061.45
DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 40,171,410,083.63 3% 66,140,810,822.69 3% 98,019,433,824.75 5% 44,329,485,989.39 3%
SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 44,424,144,430.55 57,987,665,454.16 57,873,938,021.60 36,837,536,785.06
OthersOthersOthersOthers 5.25.25.25.2 131,113,736,620.64 144,683,362,869.68 196,631,944,524.70 264,729,482,718.36
East JavaEast JavaEast JavaEast Java 5555 175,537,881,051.19 12% 202,671,028,323.84 11% 254,505,882,546.29 12% 301,567,019,503.42 20%
KalimantanKalimantanKalimantanKalimantan 6666 48,212,059,875.86 3% 85,751,921,895.05 4% 89,846,279,405.97 4% 41,114,810,180.84 3%
Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 4,741,182,210.11 24,012,146,214.11 17,182,585,017.04 3,599,603,322.93
OthersOthersOthersOthers 7.27.27.27.2 132,053,469,189.48 43,431,243,217.23 54,961,137,865.04 14,234,511,171.94
SulawesiSulawesiSulawesiSulawesi 7777 136,794,651,399.59 10% 67,443,389,431.35 4% 72,143,722,882.08 3% 17,834,114,494.87 1%
Other IslandOther IslandOther IslandOther Island 8888 48,225,049,127.11 3% 36,776,236,376.64 2% 44,514,923,113.43 2% 79,829,637,964.75 5%
1,439,922,754,659.70 100% 1,907,208,492,555.94 100% 2,147,855,523,976.84 100% 1,520,546,531,995.96 100%T O T A LT O T A LT O T A LT O T A L
CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONEU/Y 2007U/Y 2007U/Y 2007U/Y 2007
GROSS PREMIUM INCOME
AS AT 31st DECEMBER 2007
U/Y 2006U/Y 2006U/Y 2006U/Y 2006U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005
Page 25 of 48
Gross Premium By Cresta Zone
As at December 20072% 6%
61%
3%
12%
3%
10%3%
North Sumatera South Sumatera DKI & West Java Central Java
East Java Kalimantan Sulawesi Other Islands
3% 5%
68%
3%
11%
4%4% 2%
North Sumatera South Sumatera DKI & West Java Central Java
East Java Kalimantan Sulawesi Other Islands
In PercentageIn PercentageIn PercentageIn Percentage
2006 2007Page 26 of 48
20042005
Table F
4%7%
57%
3%
20%
3%1% 5%
North Sumatera South Sumatera DKI & West Java Central Java
East Java Kalimantan Sulawesi Other Islands
3%7%
64%
5%
12%
4%3% 2%
North Sumatera South Sumatera DKI & West Java
Central Java East Java Kalimantan
Sulawesi Other Islands
Exposures By Cresta Zone
As at December 20073% 6%
68%
4%
10%
4%3% 2%
North Sumatera South Sumatera DKI & West Java Central Java
East Java Kalimantan Sulawesi Other Islands
3%7%
60%
4%
15%
3%5% 3%
North Sumatera South Sumatera DKI & West Java Central Java
East Java Kalimantan Sulawesi Other Islands
In PercentageIn PercentageIn PercentageIn Percentage
2006
Page 27 of 482007
2004 2005
Table G
5%
10%
63%
4%
11%
4% 1% 2%
North Sumatera South Sumatera DKI & West Java Central Java
East Java Kalimantan Sulawesi Other Islands
3%7%
63%
5%
12%
5%3% 2%
North Sumatera South Sumatera DKI & West Java Central Java
East Java Kalimantan Sulawesi Other Islands
Gross Premium Income by Occupation
0
200,000,000
400,000,000
600,000,000
800,000,000
1,000,000,000
1,200,000,000
1,400,000,000
1,600,000,000
1,800,000,000
2,000,000,000
Agricultural Commercial Industrial Residential
U/Y 2004
U/Y 2005
U/Y 2006
U/Y 2007
In Millions IDR
Page 28 of 48Remarks : 100% figures
Table H.1
Aggregate Exposures by Occupation
0
200,000
400,000
600,000
800,000
1,000,000
1,200,000
1,400,000
1,600,000
1,800,000
Agricultural Commercial Industrial Residential
U/Y 2004
U/Y 2005
U/Y 2006
U/Y 2007
In Billions IDR
Page 30 of 48Remarks : 100% figures
Table I.1
Table I.2Table I.2Table I.2Table I.2
In IDR
DescriptionDescriptionDescriptionDescription U/Y 2004U/Y 2004U/Y 2004U/Y 2004 In %In %In %In % U/Y 2005U/Y 2005U/Y 2005U/Y 2005 In %In %In %In % U/Y 2006U/Y 2006U/Y 2006U/Y 2006 In %In %In %In % U/Y 2007U/Y 2007U/Y 2007U/Y 2007 In %In %In %In %
AgriculturalAgriculturalAgriculturalAgricultural 6,629,445,846,992.59 1% 61,942,135,248,115.50 4% 22,609,380,819,948.00 1% 9,419,313,215,030.27 1%
CommercialCommercialCommercialCommercial 209,160,605,495,446.00 20% 260,980,311,341,982.00 17% 402,412,007,184,287.00 20% 299,070,435,585,633.00 28%
IndustrialIndustrialIndustrialIndustrial 760,264,956,764,302.00 74% 928,999,162,765,924.00 60% 1,503,400,111,508,020.00 74% 701,786,854,236,139.00 65%
ResidentialResidentialResidentialResidential 46,675,843,667,323.30 5% 305,389,370,207,893.00 20% 99,536,448,657,919.80 5% 67,788,850,980,038.10 6%
TOTALTOTALTOTALTOTAL 1,022,730,851,774,060.00 100% 1,557,310,979,563,910.00 100% 2,027,957,948,170,170.00 100% 1,078,065,454,016,840.00 100%
AGGREGATE EXPOSURES BY OCCUPATION
AS AT 31st DECEMBER 2007
Page 31 of 48
Aggregate Exposures by Interest
Including Business Interruption
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
800,000
900,000
1,000,000
Building Machinery Stock Others B I
U/Y 2004
U/Y 2005
U/Y 2006
U/Y 2007
In Billions IDR
Page 32 0f 48Remarks : 100% figures
Table J.1
Table J.2Table J.2Table J.2Table J.2
In IDR
DescriptionDescriptionDescriptionDescription U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005 U/Y 2006U/Y 2006U/Y 2006U/Y 2006 U/Y 2007U/Y 2007U/Y 2007U/Y 2007
BuildingBuildingBuildingBuilding 368,568,146,887,080.00 611,519,908,109,801.00 768,245,241,680,522.00 455,861,846,618,935.00
MachineryMachineryMachineryMachinery 258,009,017,217,307.00 334,317,430,934,478.00 406,993,854,185,335.00 187,062,703,022,154.00
StockStockStockStock 175,754,486,116,056.00 276,065,895,579,831.00 373,137,692,118,609.00 208,727,000,967,535.00
OthersOthersOthersOthers 151,705,659,368,359.00 239,120,244,536,531.00 366,754,118,944,951.00 153,016,084,472,505.00
SUB TOTAL SUB TOTAL SUB TOTAL SUB TOTAL 954,037,309,588,803.00 1,461,023,479,160,640.00 1,915,130,906,929,420.00 1,004,667,635,081,130.00
Business InterruptionBusiness InterruptionBusiness InterruptionBusiness Interruption 68,693,542,185,262.00 95,945,777,501,893.80 112,827,041,240,758.00 73,397,818,935,713.10
T O T A L T O T A L T O T A L T O T A L 1,022,730,851,774,060.00 1,556,969,256,662,530.00 2,027,957,948,170,170.00 1,078,065,454,016,840.00
AGGREGATE EXPOSURES BY INTEREST
AS AT 31st DECEMBER 2007
Page 33 of 48
Number of Risks
0
5,000
10,000
15,000
20,000
25,000
1.1 1.2 1.3 2.1 2.2 2.3 3.1 3.2 3.3 4.1 4.2 4.3 5.1 5.2 6 7.1 7.2 8
UY 2004
UY 2005
UY 2006
UY 2007
Page 34 of 48
Table K.1
Table K.2Table K.2Table K.2Table K.2
U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005 U/Y 2006U/Y 2006U/Y 2006U/Y 2006 U/Y 2007U/Y 2007U/Y 2007U/Y 2007
Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 97 218 367 201
MedanMedanMedanMedan 1.21.21.21.2 1,502 4,761 3,410 1,868
OthersOthersOthersOthers 1.31.31.31.3 475 1,544 1,530 769
North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 2,074 6,523 5,307 2,838
PadangPadangPadangPadang 2.12.12.12.1 490 2,933 2,349 1,402
PalembangPalembangPalembangPalembang 2.22.22.22.2 592 1,203 1,025 467
OthersOthersOthersOthers 2.32.32.32.3 3,154 6,011 6,773 2,948
South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 4,236 10,147 10,147 4,817
DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 17,566 22,184 27,231 13,607
Bandung Bandung Bandung Bandung 3.23.23.23.2 2,197 3,313 3,214 2,072
OthersOthersOthersOthers 3.33.33.33.3 10,640 15,017 17,641 7,950
DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 30,403 40,514 48,086 23,629
SemarangSemarangSemarangSemarang 4.14.14.14.1 1,211 1,757 1,966 1,194
YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 510 936 1,696 1,148
OthersOthersOthersOthers 4.34.34.34.3 1,518 3,121 3,837 2,464
DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 3,239 5,814 7,499 4,806
SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 2,692 3,584 3,698 1,816
OthersOthersOthersOthers 5.25.25.25.2 3,160 4,567 4,749 2,192
East JavaEast JavaEast JavaEast Java 5555 5,852 8,151 8,447 4,008
KalimantanKalimantanKalimantanKalimantan 6666 1,550 2,798 2,709 1,107
Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 662 1,070 1,043 474
OthersOthersOthersOthers 7.27.27.27.2 1,089 2,386 2,067 940
SulawesiSulawesiSulawesiSulawesi 7777 1,751 3,456 3,110 1,414
Other IslandOther IslandOther IslandOther Island 8888 3,281 4,887 5,842 3,244
52,38652,38652,38652,386 82,29082,29082,29082,290 91,14791,14791,14791,147 45,86345,86345,86345,863
NUMBER OF RISKS
AS AT 31th DECEMBER 2007
CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONE
T O T A LT O T A LT O T A LT O T A L
Page 35 of 48
Number of Risks by occupation
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000
Agricultural Commercial Industrial Residential
UY 2004
UY 2005
UY 2006
UY 2007
Page 36 of 48
Table L.1
Table L.2Table L.2Table L.2Table L.2
In IDR
DescriptionDescriptionDescriptionDescription U/Y 2004U/Y 2004U/Y 2004U/Y 2004 In %In %In %In % U/Y 2005U/Y 2005U/Y 2005U/Y 2005 In %In %In %In % U/Y 2006U/Y 2006U/Y 2006U/Y 2006 In %In %In %In % U/Y 2007U/Y 2007U/Y 2007U/Y 2007 In %In %In %In %
AgriculturalAgriculturalAgriculturalAgricultural 530.00 1% 607.00 1% 589.00 1% 341.00 1%
CommercialCommercialCommercialCommercial 30,050.00 57% 46,379.00 56% 49,237.00 54% 22,377.00 49%
IndustrialIndustrialIndustrialIndustrial 12,808.00 24% 17,911.00 22% 13,193.00 14% 7,175.00 16%
ResidentialResidentialResidentialResidential 8,998.00 17% 17,393.00 21% 28,128.00 31% 15,970.00 35%
TOTALTOTALTOTALTOTAL 52,386.00 100% 82,290.00 100% 91,147.00 100% 45,863.00 100%
NUMBER OF RISK BY OCCUPATION
AS AT 31th DECEMBER 2007
Page 37 of 48
38 0f 48
0 50 100 150 200 250
Agricultural
Commercial
Industrial
Residential
2004 2005 2006 2007
Claim Frequency by Occupation
Underwriting Year
Table M.1
Page 38 0f 48
Table M.2
2004200420042004 2005200520052005 2006200620062006 2007200720072007
AgriculturalAgriculturalAgriculturalAgricultural 0 1 2 0000
CommercialCommercialCommercialCommercial 51 242 244 134134134134
IndustrialIndustrialIndustrialIndustrial 19 9 16 5555
ResidentialResidentialResidentialResidential 23 20 59 71717171
TOTALTOTALTOTALTOTAL 93939393 272272272272 321321321321 210210210210
Claim Frequency by Occupation
Occupation Occupation Occupation Occupation
DescriptionDescriptionDescriptionDescription
Underwriting YearUnderwriting YearUnderwriting YearUnderwriting Year
Page 39 of 48Page 39 of 48Page 39 of 48Page 39 of 48
0
25
50
75
100
125
1 . 1 1 . 2 1 . 3 2 . 1 2 . 2 2 . 3 3 . 1 3 . 2 3 . 3 4 . 1 4 . 2 4 . 3 5 . 1 5 . 2 6 7 . 1 7 . 2 8
2 0 0 4 2 0 0 5 2 0 0 6 2 0 0 7
Claim Frequency by Cresta Zone
Underwriting Year
Table N.1
Page 40 0f 48
Table N.2Table N.2Table N.2Table N.2
U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005 U/Y 2006U/Y 2006U/Y 2006U/Y 2006 U/Y 2007U/Y 2007U/Y 2007U/Y 2007
Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 24 1 0 0
MedanMedanMedanMedan 1.21.21.21.2 12 1 0 0
OthersOthersOthersOthers 1.31.31.31.3 3 2 1 0
North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 39 4 1 0
PadangPadangPadangPadang 2.12.12.12.1 27 33 81 102
PalembangPalembangPalembangPalembang 2.22.22.22.2 0 0 1 0
OthersOthersOthersOthers 2.32.32.32.3 1 1 76 95
South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 28 34 158 197
DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 0 1 12 5
Bandung Bandung Bandung Bandung 3.23.23.23.2 1 0 1 3
OthersOthersOthersOthers 3.33.33.33.3 1 7 6 2
DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 2 8 19 10
SemarangSemarangSemarangSemarang 4.14.14.14.1 0 0 0 0
YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 0 123 99 0
OthersOthersOthersOthers 4.34.34.34.3 0 103 41 0
DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 0 226 140 0
SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 0 0 0 0
OthersOthersOthersOthers 5.25.25.25.2 1 0 0 0
East JavaEast JavaEast JavaEast Java 5555 1 0 0 0
KalimantanKalimantanKalimantanKalimantan 6666 0 0 0 0
Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 0 0 0 0
OthersOthersOthersOthers 7.27.27.27.2 0 0 2 2
SulawesiSulawesiSulawesiSulawesi 7777 0 0 2 2
Other IslandOther IslandOther IslandOther Island 8888 23 0 1 1
93939393 272272272272 321321321321 210210210210
Claim Frequency by Cresta Zone
CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONE
T O T A LT O T A LT O T A LT O T A L
41of 48
Incurred Claims by Occupation
Underwriting Year 2004
Underwriting Year 2005 Underwriting Year 2007
Page 42 of 48
Underwriting Year 2006
1%
2%
0%
97%
Agricultural Commercial Industrial Residential
0%0%
99%
1%
Agricultural Commercial Industrial Residential
1%0%
97%
2%
Agricultural Commercial Industrial Residential
2%
93%
0%
5%
Agricultural Commercial Industrial Residential
Table O.1
Table 0.2Table 0.2Table 0.2Table 0.2
Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in %
Agricultural 0.00 0% 679,141,350.00 0% 500,000,000.00 0% 0.00 0%
Commercial 13,499,592,502.60 2% 214,285,213,138.23 99% 111,115,396,980.56 96% 194,141,048,017.77 93%
Industrial 596,317,322,296.62 97% 896,394,331.00 1% 1,476,559,888.93 1% 9,424,750,000.00 5%
Residential 3,511,950,406.00 1% 2,083,614,108.83 1% 2,330,329,144.78 2% 4,593,018,740.48 2%
TOTALTOTALTOTALTOTAL 613,328,865,205.22613,328,865,205.22613,328,865,205.22613,328,865,205.22 100%100%100%100% 217,944,362,928.06217,944,362,928.06217,944,362,928.06217,944,362,928.06 100%100%100%100% 115,422,286,014.27115,422,286,014.27115,422,286,014.27115,422,286,014.27 100%100%100%100% 208,158,816,758.25208,158,816,758.25208,158,816,758.25208,158,816,758.25 100%100%100%100%
in IDR
2007200720072007
Claims by Occupation
Underwriting YearUnderwriting YearUnderwriting YearUnderwriting Year
2004200420042004Occupation Occupation Occupation Occupation
DescriptionDescriptionDescriptionDescription20062006200620062005200520052005
Page 43 of 48Page 43 of 48Page 43 of 48Page 43 of 48
West Java
23%
South
Sumatera
24%
Central Java
53%
North Sumatera South Sumatera West Java Central Java
East Java Kalimantan Sulaw esi Other Islands
Central Java
98%
West Java
2%
South Sumatera
0%
North SumateraNorth SumateraNorth SumateraNorth Sumatera South SumateraSouth SumateraSouth SumateraSouth Sumatera West JavaWest JavaWest JavaWest Java Central JavaCentral JavaCentral JavaCentral Java
East JavaEast JavaEast JavaEast Java KalimantanKalimantanKalimantanKalimantan SulawesiSulawesiSulawesiSulawesi Other I slandsOther I slandsOther I slandsOther I slands
Other Islands
1%
North
Sumatera
99%
North Sumatera South Sumatera West Java Central Java
East Java Kalimantan Sulaw esi Other Islands
Underwriting Year 2006Underwriting Year 2004
Incurred Claims by Cresta Zone
Underwriting Year 2005
Page 44 of 48
South
Sumatera
99%
West Java
1%
North Sumatera South Sumatera West JavaCentral Java East Java KalimantanSulaw esi Other Islands Slice 9
Underwriting Year 2007
Table P.1
Table P.2Table P.2Table P.2Table P.2
Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in %
Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 604,401,714,521.80 54,759,400.00 0 0
MedanMedanMedanMedan 1.21.21.21.2 674,205,451.00 95,000,000.00 0 0
OthersOthersOthersOthers 1.31.31.31.3 590,721,289.51 693,221,350.00 369,712,000.00 0
North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 605,666,641,262.31 99% 842,980,750.00 0% 369,712,000.00 0% 0 0%
PadangPadangPadangPadang 2.12.12.12.1 1,112,705,330.60 924,912,545.32 12,525,386,983 82,499,279,358
PalembangPalembangPalembangPalembang 2.22.22.22.2 0 0 10,000,000.00 0
OthersOthersOthersOthers 2.32.32.32.3 12,402,600.00 28,044,000.00 15,629,991,149 122,427,512,632.47
South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 1,125,107,930.60 0% 952,956,545.32 0% 28,165,378,131.83 24% 204,926,791,990.50 98%
DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 0 1,000,000,000.00 1,170,925,820.00 2,272,310,000.00
Bandung Bandung Bandung Bandung 3.23.23.23.2 450,000,000 0 25,000,000.00 549,594,263.00
OthersOthersOthersOthers 3.33.33.33.3 330,267,740.00 2,477,037,734.13 25,548,384,250.43 25,748,843.75
DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 780,267,740.00 0% 3,477,037,734.13 2% 26,744,310,070.43 23% 2,847,653,106.75 1%
SemarangSemarangSemarangSemarang 4.14.14.14.1 0 0 0 0
YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 0 202,543,141,325.97 43,512,014,997.01 0
OthersOthersOthersOthers 4.34.34.34.3 0 10,128,246,572.63 16,384,411,815.00 0
DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 0 0% 212,671,387,898.61 98% 59,896,426,812.01 52% 0.00 0%
SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 0 0 0 0
OthersOthersOthersOthers 5.25.25.25.2 800,000,000.00 0 0 0
East JavaEast JavaEast JavaEast Java 5555 800,000,000.00 0% 0 0% 0 0% 0 0%
KalimantanKalimantanKalimantanKalimantan 6666 0 0% 0 0% 0 0% 0 0%
Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 0 0 0 0
OthersOthersOthersOthers 7.27.27.27.2 0 0 59,459,000.00 369,371,661.00
SulawesiSulawesiSulawesiSulawesi 7777 0 0% 0 0% 59,459,000.00 0% 369,371,661.00 0%
Other IslandOther IslandOther IslandOther Island 8888 4,956,848,272.30 1% - 0% 187,000,000.00 0% 15,000,000.00 0%
613,328,865,205.22613,328,865,205.22613,328,865,205.22613,328,865,205.22 100%100%100%100% 217,944,362,928.06217,944,362,928.06217,944,362,928.06217,944,362,928.06 100%100%100%100% 115,422,286,014.27115,422,286,014.27115,422,286,014.27115,422,286,014.27 100%100%100%100% 208,158,816,758.25208,158,816,758.25208,158,816,758.25208,158,816,758.25 100%100%100%100%T O T A LT O T A LT O T A LT O T A L
U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005 U/Y 2006U/Y 2006U/Y 2006U/Y 2006
in IDR
U/Y 2007U/Y 2007U/Y 2007U/Y 2007
Claims by Cresta Zone
CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONE
Page 45 of 48Page 45 of 48Page 45 of 48Page 45 of 48
Table Q
1 NABIRE 26-Nov-04 6.4 VIII
2 ACEH 26-Dec-04 9 VIII
3 CILEGON 15-Jan-05 5.5 III
4 AMBON 2-Mar-05 6.6 V
5 NIAS 28-Mar-05 8.7 VIII
6 PADANG 10-Apr-05 6.7 V
7 BANDUNG 15-Apr-05 5 II
8 SIBOLGA 19-May-05 6.8 IV
9 ACEH 5-Oct-05 5.5 V
10 TANJUNG KARANG 12-May-06 5.6 V
11 YOGYAKARTA 27-May-06 5.9 VII
12 PANGANDARAN 17-Jul-06 6.8 IV
13 JAKARTA 19-Jul-06 6.2 V
14 WONOSARI 22-Sep-06 5.7 V
15 MANADO 21-Jan-07 7.6 VI
16 PADANG 6-Mar-07 6.3 V
SR *) MMI *)
MAJOR EARTHQUAKES IN INDONESIA
No. Claim Event Date of Loss
YEAR 2004 - 2007
Page 46 of 48
Attachment 1
INDONESIAN EARTHQUAKE RATE/TARIFF 1/8/2003
ZONE I Construction Class
Building Category A B C
Description Code Reinf.
Concrete Steel
Frame Others
Manufacturing/Factory risks
B/C 0.108% 0.108% 0.122%
Other Risks
Up to 3 stories A 0.104% 0.104% 0.113%
4 to 9 stories D 0.122% 0.135% 0.270%
10 stories and higher D 0.135% 0.149% Declined
ZONE II Construction Class
Building Category A B C
Description Code Reinf.
Concrete Steel
Frame Others
Manufacturing/Factory risks
B/C 0.120% 0.120% 0.135%
Other Risks
Up to 3 stories A 0.115% 0.115% 0.125%
4 to 9 stories D 0.135% 0.150% 0.300%
10 stories and higher D 0.150% 0.165% Declined
ZONE III Construction Class
Building Category A B C
Description Code Reinf.
Concrete Steel
Frame Others
Manufacturing/Factory risks
B/C 0.132% 0.132% 0.149%
Others Risks
Up to 3 stories A 0.127% 0.127% 0.138%
4 to 9 stories D 0.149% 0.165% 0.330%
10 stories and higher D 0.165% 0.182% Declined
Untuk Kolom yang ratenya tertulis "Declined" risiko tersebut tidak dapat diterima (Not acceptable).
Keterangan : I. BUILDING CATEGORY
Code Category Descriptions
A SIMPLE RISKS DWELING/DOMESTIC/OFFICE/SIMPLE TRADING RISKS UP TO 3 STORIES
B MANUFACTURING RISKS NOT INVOLVING AUTOMATED MACHINERY
C MANUFACTURING RISKS INVOLVING AUTOMATED MACHINERY
D HIGHRISE BUILDINGS BUILDING - FROM 4 STOREYS
II. CLASS CONSTRUCTION
Code Descriptions
A REINFORCED CONCRETE
B STEEL FRAME
C OTHERS
Attachment 2
FIRST LOSS SCALE
% of % of % of % of % of % of
Values Total Premium Values Total Premium Values Total Premium
100.00 100.00 54.00 85.80 8.00 56.00
99.00 99.60 53.00 85.60 7.50 55.00
98.00 99.20 52.00 85.40 7.00 54.00
97.00 98.80 51.00 85.20 6.00 52.00
96.00 98.40 50.00 85.00 5.00 50.00
95.00 98.00 49.00 84.70 4.90 49.50
94.00 97.60 48.00 84.46 4.80 49.00
93.00 97.20 47.00 84.21 4.70 48.50
92.00 96.80 46.00 83.90 4.60 48.00
91.00 96.40 45.00 83.60 4.50 47.50
90.00 96.00 44.00 83.30 4.40 47.00
89.00 95.60 43.00 83.00 4.30 46.50
88.00 95.20 42.00 82.80 4.20 46.00
87.00 94.80 41.00 82.53 4.10 45.50
86.00 94.40 40.00 82.20 4.00 45.00
85.00 94.00 39.00 81.87 3.90 44.50
84.00 93.60 38.00 81.54 3.80 44.00
83.00 93.20 37.00 81.21 3.70 43.50
82.00 92.80 36.00 80.88 3.60 43.00
81.00 92.40 35.00 80.55 3.50 42.50
80.00 92.00 34.00 80.22 3.40 42.00
79.00 91.60 33.00 80.00 3.30 41.50
78.00 91.20 32.00 79.37 3.20 41.00
77.00 90.80 31.00 78.75 3.10 40.50
76.00 90.40 30.00 78.12 3.00 40.00
75.00 90.00 29.00 77.50 2.90 39.75
74.00 89.80 28.00 76.87 2.80 39.50
73.00 89.60 27.00 76.25 2.70 39.25
72.00 89.40 26.00 75.62 2.60 39.00
71.00 89.20 25.00 75.00 2.50 38.75
70.00 89.00 24.00 74.00 2.40 38.50
69.00 88.80 23.00 73.00 2.30 38.25
68.00 88.60 22.00 72.00 2.20 38.00
67.00 88.40 21.00 71.00 2.10 37.75
66.00 88.20 20.00 70.00 2.00 37.50
65.00 88.00 19.00 69.00 1.90 37.00
64.00 87.80 18.00 68.00 1.80 36.50
63.00 87.60 17.00 67.00 1.70 36.00
62.00 87.40 16.00 66.00 1.60 35.50
61.00 87.20 15.00 65.00 1.50 35.00
60.00 87.00 14.00 64.00 1.40 34.50
59.00 86.80 13.00 63.00 1.30 34.00
58.00 86.60 12.00 62.00 1.20 33.50
57.00 86.40 11.00 61.00 1.10 33.00
56.00 86.20 10.00 60.00 1.00 32.50
55.00 86.00 9.00 58.00
Attachment 3
TARIF SUKU PREMI KURANG
DARI 12 BULAN
JANGKA WAKTU PROSENTASI
TARIF 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
Attachment 4
1 bulan 20% x 100% rate
2 bulan 30% x 100% rate
3 bulan 40% x 100% rate
4 bulan 50% x 100% rate
6 bulan 60% x 100% rate
9 bulan 80% x 100% rate
12 bulan 100% x 100% rate
15 bulan 96% x 100% rate
18 bulan 93% x 100% rate
21 bulan 91.5% x 100% rate
24 bulan 90% x 100% rate
30 bulan 87% x 100% rate
36 bulan 85% x 100% rate
48 bulan 83% x 100% rate
Indemnity
Period
Prosentase besarnya
Suku Premi atas Tarif
Lebih dari 48 bulan ditetapkan AAUI /
KARBA
GLOSSARIES
1. OCCUPATION :
A - AGRICULTURAL
C - COMMERCIAL
I - INDUSTRIAL
R - RESIDENTIAL
2. ZONES (BASED ON CRESTA) :
1.1 - Banda Aceh
1.2 - Medan
1.3 - Others
1 - North Sumatera
2.1 - Padang
2.2 - Palembang
2.3 - Others
2 - South Sumatera
3.1 - DKI Jakarta
3.2 - Bandung
3.3 - Others
3 - DKI & West java
4.1 - Semarang
4.2 - Yogyakarta
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
Page 47 of 48
3. f : Frequencies
F : Accumulations of frequencies
Cum : Cumulative (increasing in amount by one addition after another)
4. Incurred Claim
Outstanding Claims (100%) plus paid/settled claims (100%)
5. Sum Insured
The Sum Insured represents 100% Sum Insured
6. Gross Premium
Gross Premium represent 100% premium
7. Loss Ratio
The percentage ratio of Incurred claims to Gross Premium
Page 48 0f 48