Samara, Shakeela Dana and Azzahra, Alfiyah Farah (2024) Perhitungan Premi Asuransi Jiwa Karyawan PT Pupuk Indonesia (Persero) Menggunakan Metode N-Year Term Insurance dengan Multiple Decrement Model. Project Report. [s.n.], [s.l.]. (Unpublished)
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Abstract
Penelitian ini bertujuan untuk menghitung total premi asuransi jiwa bagi karyawan PT Pupuk Indonesia (Persero) dengan menggunakan metode N-Year Term Insurance berbasis Multiple Decrement Model. Model ini mempertimbangkan dua penyebab utama kematian, yaitu normal death dan accident dalam menyusun tabel mortalitas yang digunakan dalam perhitungan nilai harapan kini (Expected Present Value/EPV) dari manfaat asuransi. Data yang digunakan mencakup informasi karyawan seperti usia, jenis kelamin, dan gaji, serta menggunakan asumsi kenaikan gaji dan tingkat suku bunga (BI Rate) sebesar 6,25% sebagai faktor diskonto. Hasil perhitungan menunjukkan bahwa total premi tahunan untuk seluruh karyawan mencapai Rp1.051.999.690, terdiri dari premi untuk risiko kematian normal sebesar Rp591.749.825 dan premi untuk kecelakaan sebesar Rp460.249.864. Penelitian ini diharapkan dapat menjadi acuan bagi perusahaan dalam menetapkan kebijakan proteksi karyawan berbasis pendekatan aktuaria yang akurat dan berkelanjutan.
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This study aims to calculate the total life insurance premium for employees of PT Pupuk Indonesia (Persero) using the N-Year Term Insurance method based on the Multiple Decrement Model. This model takes into account two main causes of death—natural death and accidental death—in constructing a mortality table used to compute the Expected Present Value (EPV) of insurance benefits. The data used includes employee information such as age, gender, and salary, and incorporates assumptions of salary increases and a discount factor based on the BI Rate of 6.25%. The results show that the total annual premium for all employees amounts to IDR 1,051,999,690, consisting of IDR 591,749,825 for normal death risk and IDR 460,249,864 for accidental death risk. This research is expected to serve as a reference for the company in establishing accurate and sustainable employee protection policies based on actuarial approaches.
| Item Type: | Monograph (Project Report) |
|---|---|
| Uncontrolled Keywords: | Asuransi Jiwa, N-Year Term Insurance, Multiple Decrement Model, EPV, Premi Life Insurance, N-Year Term Insurance, Multiple Decrement Model, EPV, Premium |
| Subjects: | Q Science Q Science > Q Science (General) Q Science > QA Mathematics |
| Divisions: | Faculty of Mathematics, Computation, and Data Science > Actuaria > 94203-(S1) Undergraduate Thesis |
| Depositing User: | Shakeela Dana Samara |
| Date Deposited: | 18 Jul 2025 04:22 |
| Last Modified: | 18 Jul 2025 04:22 |
| URI: | http://repository.its.ac.id/id/eprint/119805 |
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