PREMI ASURANSI PENDIDIKAN DENGAN MEMPERHITUNGKAN PENGARUH WAIVER OF PREMIUM DAN RETURN OF CASH VALUE
DOI:
https://doi.org/10.25077/jmua.12.3.244-257.2023Keywords:
Asuransi Pendidikan, Tabungan Pendidikan, Asuransi Jiwa BerjangkaAbstract
Asuransi pendidikan adalah kombinasi antara tabungan pendidikan dan asuransi jiwa berjangka. Asuransi Pendidikan melibatkan dua orang yaitu orang tua (Ayah/Ibu) sebagai tertanggung dan anak sebagai penerima beasiswa. Asuransi Pendidikan memberikan manfaat berupa (1) dana tabungan pendidikan yang akan diberikan dalam 4 periode waktu yaitu di akhir tahun polis saat anak berusia 5 tahun, 11 tahun, 14 tahun, dan 17 tahun, (2) manfaat proteksi jiwa apabila orang tua meninggal dunia dalam masa asuransi. Pada penelitian ini akan memperhitungkan pengaruh manfaat lain yaitu (3) waiver of premium yang merupakan polis bebas premi apabila orang tua meninggal dunia, namun manfaat tetap dibayarkan sesuai kesepakatan awal, dan (4) return of cash value apabila anak yang dibeasiswakan meninggal dunia. Penelitian ini menentukan besaran premi kotor tahunan didasarkan pada konsep fully-discrete dengan anuitas joint-life. Dengan penambahan manfaat waiver of premium dan return of cash value akan meningkatkan premi kotor menjadi lebih mahal, akan tetapi manfaat yang diberikan sesuai dengan kebutuhan pemegang polis.References
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