METODE PREMIUM SUFFICIENCY DENGAN ASUMSI BALDUCCI UNTUK MENENTUKAN CADANGAN ASURANSI JIWA GABUNGAN

Authors

  • UMMU BUTSAINATUL EL KHAIR
  • DODI DEVIANTO
  • HAZMIRA YOZZA

DOI:

https://doi.org/10.25077/jmu.8.4.69-76.2019

Abstract

Asuransi jiwa dwiguna gabungan adalah asuransi jiwa yang memberikan perlindungan dalam maupun saat berakhirnya masa pertanggungan kepada dua atau lebih tertangung yang mengikuti polis asuransi. Tertanggung memiliki kewajiban untuk membayarkan premi yang akan disimpan perusahaan asuransi sebagai cadangan yang nantinya digunakan untuk membayarkan klaim ketika terjadi risiko. Cadangan dapat dihitung dengan premi kotor, dengan memasukkan biaya manajemen perusahaan. Salah satu metode perhitungannya, yaitu Metode Premium Sufficiency. Besarnya cadangan dipengaruhi oleh banyak orang yang hidup pada usia tertentu, sehingga penentuan besar cadangan akan menggunakan asumsi mengenai sebaran banyak orang yang hidup pada beberapa tahun kemudian. Salah satu asumsi yang akan digunakan adalah dengan asumsi Balducci. Pada penelitian ini terlihat perhitungan cadangan asuransi jiwa dwiguna gabungan menggunakan metode Premium Sufficiency dengan asumsi Balducci memberikan hasil cenderung lebih besar dibandingkan tanpa asumsi Balducci. Diterima: Direvisi: Dipublikasikan :

Kata Kunci: Asuransi Jiwa Dwiguna, Metode Premium Suficiency, Asumsi Balducci

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Published

13-12-2019

Issue

Vol. 8 No. 4 (2019)

Section

Articles

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