31 May 2010

Soal Aamai 602 maret 2009

Kutipan soal aamai 602 maret 2009



1. Uraikan apa yang dimaksud dengan konsep kredibilitas.
2. Uraikan alasan seorang underwriter untuk memasukkan capital gains yang diperoleh dari hasil investasi dalam penetapan harga jual produk yang dipasarkan perusahaan tersebut.
3. Uraikan apa yang dimaksud dengan rating factor dan 2 (dua) syarat pokok yang harus dipenuhi suatu rating factor.
4. Dalam hal seorang underwriter mempergunakan metode retrospective rating, uraikan hal yang harus diperhitungkannya berkaitan dengan long-tailed risk.
5. Uraikan 3 (tiga) hal yang umum dilakukan oleh tim internal audit kantor pusat dalam melakukan pemeriksaan bidang underwriting kantor cabang.
6. Sehubungan dengan underwriting asuransi harta benda, sebutkan 4 (empat) informasi geografis yang dapat membantu seorang underwriter dalam melakukan identifikasi ancaman risiko.
7. Uraikan 2 (dua) aspek positif yang dapat diperoleh dari penggunaan sistem informasi dalam meningkatkan berbagai penetapan harga asuransi.
8. Data klaim yang dipergunakan dalam metode burning cost adalah klaim yang telah dilaporkan saja. Uraikan 2 (dua) alasan mengapa hal tersebut dianggap tidak memadai.

9. a. Jelaskan 6(enam) unsur penting dari proses underwriting.
b. Jelaskan 4 (empat) prosedur pengendalian yang dapat digunakan untuk mengawasi pendelegasian wewenang underwriting.
c. Jelaskan 3(tiga) penyebab yang mempengaruhi terjadinya perubahan dalam jaringan distribusi yang memaksa underwriter harus meneliti ulang kewenangan underwriting yang telah diberikan.

10. Tahap awal dari program marketing dimulai dengan penelitian pasar yang kemudian dilanjutkan dengan berbagai langkah berikutnya yang sering disebut sebagai 4 P. Jelaskan ke 4 (empat) langkah tersebut.
a. Jelaskan 3 (tiga) hal penting yang sangat menentukan keberhasilan suatu program marketing disamping 4 P tersebut.
b. Jelaskan 3 (tiga) segmentasi yang dipergunakan perusahaan asuransi umum berkaitan dengan asuransi personal lines

11. a. Jelaskan formula umum yang dipergunakan untuk mengukur tingkat profitabilitas sebuah portofolio asuransi dan hubungannya dengan kebijakan pricing perusahaan.
b. Jelaskan peran utama dari manajemen informasi dalam kaitan dengan keputusan underwriting dan pengukuran tingkat keberhasilan suatu portofolio asuransi.

12. Walaupun tidak terdapat regulasi yang mengatur tentang penggunaan naskah polis, perusahaan asuransi umum di Indonesia pada umumnya mempergunakan naskah polis standar yang diterbitkan atau diakui oleh Asosiasi Asuransi Umum Indonesia. Sehubungan dengan hal tersebut:
a. Jelaskan 3 (tiga) alasan pokok mengapa penggunaan polis standar tersebut lebih diminati perusahaan asuransi umum.
b. Sebutkan 8(delapan) ketentuan yang sekurang-kurangnya harus termuat dalam polis asuransi umum sebagaimana diatur dalam pasal 8 KMK No. 422/KMK.06/2003.

13. Salah satu komponen terpenting dalam harga asuransi adalah jumlah klaim atau kerugian yang dibayar, sehingga sangatlah penting dipahami berbagai metode cara mengetahui besarnya ancaman klaim atas suatu portofolio usaha. Sehubungan dengan hal tersebut, jelaskan :
a. Persyaratan utama yang harus dipenuhi suatu kelompok risiko agar hasil pengukuran kerugian lebih akurat.
b. Dalam kondisi bagaimana seorang underwriter dapat mempergunakan cara pengukuran klaim menggunakan metode:
i. direct measures
ii. indirect measures
iii. proxy measures

14. Kebutuhan untuk membuat perhitungan akumulasi dan tingkat retensi secara keilmuan berkaitan dengan risiko bencana alam adalah sangat penting. Sehubungan dengan hal tersebut jelaskan 5 (lima) langkah aktifitas yang umum dilakukan untuk memperhitungkan agregat akumulasi dan tingkat retensi tersebut.


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