Pembahasan Soal Ujian Profesi Aktuaris
| Institusi | : | Persatuan Aktuaris Indonesia (PAI) |
| Mata Ujian | : | Akuntansi |
| Periode Ujian | : | Maret 2014 |
| Nomor Soal | : | 19 |
SOAL
Pada suatu asuransi kesehatan diketahui:
- Incurred claims: 100.000
- Earned premium: 1.000.000
- Health insurance expense: 50.000
Berapakah combined ratio nya:
- 55%
- 10%
- 15%
- 60%
| Diketahui | - Incurred claim : 100.000
- Earned premium : 1.000.000
- Health insurance expense : 50.000
|
| Rumus yang digunakan | Chapter 19 Page 628-629[1] :
\({\rm{Loss\_Ratio = }}\frac{{{\rm{Incurred\_Claims}}}}{{{\rm{Earned\_Premiums}}}}\)
\({\rm{Expense\_Ratio = }}\frac{{{\rm{Health\_Insurance\_Expenses}}}}{{{\rm{Earned\_Premiums}}}}\)
\({\rm{Combined\_Ratio = Loss\_Ratio + Expense\_Ratio}}\) |
| Proses pengerjaan | \({\rm{Loss\_Ratio = }}\frac{{100.000}}{{1.000.000}} = 0.1\)
\({\rm{Expense\_Ratio = }}\frac{{50.000}}{{1.000.000}} = 0.05\)
\({\rm{Combined\_Ratio = 0}}{\rm{.1 + 0}}{\rm{.05 = 0}}{\rm{.15 = 15\% }}\)
[1] Mulligan, E. and Stone, G. (1997). Accounting and financial reporting in life and health insurance companies. Atlanta, Ga.: Life Management Institute, LOMA. |
| Jawaban | c. 15% |
