Pembahasan Soal Ujian Profesi Aktuaris
SOAL
Apabila diketahui suatu perusahaan asuransi jiwa mempunyai :
Combined Ratio = 0.95
Health Insurance Expenses = 80.000.000
Earned premiums = 800.000.000
Maka incurred claims dari perusahaan tersebut adalah :
- 760.000.000
- 680.000.000
- 600.000.000
- Semua salah
| Diketahui | Combined Ratio = 0.95 Health Insurance Expenses = 80.000.000 Earned premiums = 800.000.000 |
| Rumus yang digunakan | Chapter 19 Page 628-629[1] : \({\rm{Loss\_Ratio = }}\frac{{{\rm{Incurred\_Claims}}}}{{{\rm{Earned\_Premiums}}}}\) \({\rm{Expense\_Ratio = }}\frac{{{\rm{Health\_Insurance\_Expenses}}}}{{{\rm{Earned\_Premiums}}}}\) Combined Ratio = Loss Ratio + Expense Ratio Loss Ratio = Combined Ratio – Expense Ratio |
| Proses pengerjaan | \({\rm{Expense\_Ratio = }}\frac{{80.000.000}}{{800.000.000}} = 0,1\) Loss Ratio = Combined Ratio – Expense Ratio [1] Mulligan, E. and Stone, G. (1997). Accounting and financial reporting in life and health insurance companies. Atlanta, Ga.: Life Management Institute, LOMA. |
| Jawaban | b. 680.000.000 |