Perhitungan Premi Asuransi Jiwa Seumur Hidup dengan Adanya Critical Illness Premium Waiver

Renh, Christine Nathania (2024) Perhitungan Premi Asuransi Jiwa Seumur Hidup dengan Adanya Critical Illness Premium Waiver. Other thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Asuransi jiwa seumur hidup adalah jenis asuransi yang memberikan perlindungan seumur hidup kepada tertanggung selama polis masih aktif dan membayarkan manfaat ketika
tertanggung meninggal dunia. Seiring berjalannya waktu, fitur pada produk asuransi jiwa seumur hidup di Indonesia turut dikembangkan dengan adanya pemberlakuan manfaat pembebasan premi pada polis yang masih aktif apabila tertanggung mengalami salah satu penyakit kritis. Penelitian ini membahas perhitungan premi dari produk asuransi jiwa seumur hidup dengan critical illness premium waiver. Adapun batasan jenis penyakit kritis yang digunakan pada penelitian adalah 4 penyakit katastropik dengan jumlah kasus terbanyak dan menyumbang biaya klaim terbesar di Indonesia pada tahun 2022, yaitu penyakit jantung, kanker, stroke, dan gagal ginjal. Data yang digunakan dalam penelitian ini bersumber dari brosur dan marketing kit salah satu perusahaan asuransi di Indonesia, Laporan Nasional RISKESDAS tahun 2018 oleh Kementrian Kesehatan Republik Indonesia, data World Health Organization (WHO) dan Tabel Mortalitas Indonesia IV. Perhitungan premi diperoleh dari pemodelan multiple state model dengan 3 states, yaitu sehat, sakit kritis, dan meninggal dunia, di mana nilai parameter laju transisi dan peluang transisi antar states diasumsikan bersifat stasioner. Pemodelan premi yang didapatkan kemudian dikembangkan berdasarkan jenis kelamin dan usia. Hasil penelitian yang didapatkan adalah nominal premi tahunan bagi laki-laki lebih tinggi dibandingkan dengan perempuan pada usia masuk yang sama. Selanjutnya, semakin tua usia masuk, maka nominal premi tahunan yang harus dibayarkan semakin mahal. Kemudian, semakin lama durasi pembayaran premi, maka premi tahunan yang dibayarkan akan semakin rendah, namun secara total premi keseluruhan yang dibayarkan akan semakin tinggi. Adapun premi produk dengan adanya critical illness premium waiver lebih mahal 2-3 kali lipat dari produk tanpa adanya critical illness premium waiver
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Whole life insurance is a type of insurance that provides lifetime protection to the insured as long as the policy is still active and pays benefits when the insured dies. Over time, the features of whole life insurance products in Indonesia have also been developed with the introduction of premium exemption benefits on policies that are still active if the insured experiences a critical illness. This research discusses the premium calculation for whole life insurance products with a critical illness premium waiver. The limitations for the types of critical illnesses used in the research are 4 catastrophic diseases with the largest number of cases and contributing to the largest claim costs in Indonesia in 2022, namely heart disease, cancer, stroke and kidney failure. The data used in this research comes from brochures and marketing kits from one of the insurance companies in Indonesia, the 2018 RISKESDAS National Report by the Ministry of Health of the Republic of Indonesia, World Health Organization (WHO) data and Indonesian Mortality Table IV. The premium calculation is obtained from modeling a multiple state model with 3 states, namely healthy, critically ill and deceased, where the parameter values ​​of the transition rate and transition probability between states are assumed to be stationary. The premium modeling obtained was then developed based on gender and age. The research results obtained were that the nominal annual premium for men was higher than for women at the same entry age. Furthermore, the older the entry age, the more expensive the nominal annual premium that must be paid. Then, the longer the duration of premium payments, the lower the annual premium paid, but in total the overall premium paid will be higher. The premium for products with a critical illness premium waiver is 2-3 times more expensive than products without a critical illness premium waiver

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Asuransi Jiwa Seumur Hidup, Multiple State Model, Premi, Premium Waiver, Sakit Kritis, Whole Life Insurance, Critical Illness
Subjects:	H Social Sciences > HG Finance > HG8771 Life insurance
Divisions:	Faculty of Mathematics, Computation, and Data Science > Actuaria > 94203-(S1) Undergraduate Thesis
Depositing User:	Christine Nathania Renh
Date Deposited:	09 Jul 2024 06:44
Last Modified:	09 Jul 2024 06:44
URI:	http://repository.its.ac.id/id/eprint/108203

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