PENENTUAN CADANGAN ASURANSI JIWA BERJANGKA PADA STATUS HIDUP GABUNGAN MENGGUNAKAN METODE PREMIUM SUFFICIENCY
DOI:
https://doi.org/10.25077/jmu.6.4.56-63.2017Abstract
Abstrak. Asuransi jiwa yaitu suatu upaya yang dilakukan manusia untuk mengurangidampak kerugian nansial akibat terjadinya peristiwa yang tidak diinginkan seperti
meninggal dunia, kecelakaan, bencana dan lain-lain. Salah satu jenis asuransi jiwa
berdasarkan jumlah peserta asuransi adalah asuransi jiwa gabungan. Asuransi jiwa
gabungan merupakan asuransi jiwa yang diikuti oleh lebih dari satu peserta asuransi yang
namanya berada dalam satu kontrak (joint life status). Asuransi jiwa dibeli dengan pem-
bayaran premi. Diantara jenis-jenis asuransi jiwa, kebanyakan peserta asuransi memilih
asuransi jiwa berjangka karena premi asuransi jiwa berjangka paling rendah/murah di-
antara premi asuransi jiwa lainnya. Sebagian premi harus dicadangkan oleh perusahaan
asuransi yang disebut dengan cadangan premi. Cadangan premi diperlukan untuk menu-
tupi klaim peserta asuransi yang dapat terjadi sewaktu-waktu. Cadangan dapat dihitung
dengan menggunakan premi kotor yaitu premi bersih ditambah biaya manajemen pe-
rusahaan asuransi. Pada metode premium suciency, cadangan premi dihitung dengan
menggunakan premi kotor sehingga metode ini dapat menjelaskan secara rinci cadangan
premi yang harus disediakan oleh perusahaan asuransi.
Kata Kunci: Asuransi jiwa berjangka, asuransi jiwa gabungan, premi kotor, cadangan
premi, metode premium suciency
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