Laporan Perhitungan Premi untuk Asuransi Umum Berdasarkan Identifikasi Onerous Contract : Studi Kasus PT ASKRINDO

Joris, Ruth Jasmine (2024) Laporan Perhitungan Premi untuk Asuransi Umum Berdasarkan Identifikasi Onerous Contract : Studi Kasus PT ASKRINDO. Project Report. [s.n.], [s.n.]. (Unpublished)

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Abstract

Berdasarkan analisis yang dilakukan selama kerja praktik di PT Asuransi Kredit Indonesia, dapat disimpulkan bahwa kontrak-kontrak yang memiliki nilai CSM (Contractual Service Margin) + Loss Component negatif telah diklasifikasikan sebagai kontrak onerous. Ini mengindikasikan bahwa kontrak-kontrak ini diproyeksikan akan menghasilkan kerugian dari sudut pandang perusahaan di masa mendatang dan tarif premi murni yang dihitung untuk berbagai TOC (Terms of Condition) yang mengalami kondisi onerous memberikan gambaran mengenai tingkat risiko yang telah terealisasi.
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Based on the analysis conducted during the internship at PT Asuransi Kredit Indonesia, it can be concluded that contracts with negative CSM (Contractual Service Margin) + Loss Component values have been classified as onerous contracts. This indicates that these contracts are projected to generate losses from the company's perspective in the future and the pure premium rates calculated for various TOCs (Terms of Condition) experiencing onerous conditions provide an overview of the level of risk that has been realized.

Item Type:	Monograph (Project Report)
Uncontrolled Keywords:	Actuary Pricing, Contractual Service Margin (CSM), IFRS 17, Risk Premium, Terms of Coverage (TOC)
Subjects:	Q Science > QA Mathematics Q Science > QA Mathematics > QA401 Mathematical models.
Divisions:	Faculty of Mathematics, Computation, and Data Science > Actuaria > 94203-(S1) Undergraduate Thesis
Depositing User:	Ruth Jasmine Joris
Date Deposited:	28 Jul 2025 07:20
Last Modified:	28 Jul 2025 07:20
URI:	http://repository.its.ac.id/id/eprint/122279

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