17 November 2008


Bagian I
1. Uraikan pengertian asuransi sebagai suatu mekanisme pengalihan risiko.
2. Uraikan perbedaan antara physical hazard dan moral hazard.
3. Sebutkan 4 (empat) peran utama seorang underwriter.
4. Uraikan perbedaan antara reasuransi facultative dan treaty.
5. Uraikan pengertian prinsip pemberian ganti rugi secara reinstatement.
6. Uraikan pengertian solvency margins.
7. Sebutkan 6 (enam)jenis jasa yang dapat diberikan suatu risk management consultant.
8. Sebutkan 7 (tujuh) informasi yang umumnya terdapat pada ikhtisar polis.

Bagian II

9. Dalam kaitan dengan self insurance
a. Jelaskan alasan seseorang melakukannya
b. Sebutkan 6 (enam) keuntungannya
c. Sebutkan 6 (enam) kerugiannya

10. Jelaskan 7 (tujuh) karakteristik dari risiko yang dapat diasuransikan.

11. Dalam kaitan dengan syarat-syarat polis (conditions)
a. Sebutkan 8 (delapan) hal pokok yang tercakup dalam kondisi umum (general conditions)
b. Jelaskan 2 (dua) contoh implied conditions
c. Jelaskan yang dimaksud dengan :
i. Conditions precedent to the contract
ii. Conditions subsequent to the contract
iii. Conditions precedent to liability

12. Jelaskan 5 (lima) hal pokok yang umumnya diuraikan seorang risk surveyor dalam survey report yang dibuatnya.

13. Dalam kaitan dengan penentuan premi yang sesuai, jelaskan :
a. 5 (lima) aspek yang harus dipenuhi agar kontribusi premi tersebut wajar dan mencerminkan tingkat risikonya
b. 4 (empat) pertimbangan bisnis yang harus diperhatikan

14. Dalam kaitan dengan reasuransi treaty, jelaskan :
a. 2 (dua) bentuk reasuransi proporsional beserta metode perhitungan preminya
b. 2 (dua) bentuk reasuransi non-proporsional beserta metode perhitungan preminya


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