31 May 2010

Soal aamai 603 maret 2009

Kutipan soal aamai 603 maret 2009

603 : APLIKASI REASURANSI

BAGIAN I

1. Uraikan 3 (tiga) faktor eksternal yang mempengaruhi proses pembentukan cadangan klaim.
2. Uraikan disertai dengan contoh cara kerja aggregate excess of loss treaty.
3. Uraikan masing – masing 2 (dua) keuntungan dan kerugian regional reinsurance pool.
4. Uraikan 3 (tiga) metode yang digunakan dalam perhitungan Incurred But Not Reported (IBNR).
5. Uraikan apa yang dimaksud dengan joint or common account protection.
6. Uraikan apa yang dimaksud dengan umbrella liability reinsurance cover.
7. Uraikan 5 (lima) pertimbangan asuradur dalam menggunakan pialang reasuransi.
8. Uraikan 3 (tiga) faktor yang dipertimbangkan reasuradur dalam penetapan rating untuk non proportional reinsurance.


BAGIAN II

9. Perusahaan Asuransi “ALBATROS” memiliki program reasuransi sbb :
Surplus treaty: 5 (Five) lines of Rp. 10 Milyar estimated maximum loss for maximum cession.
Retensi perusahaan tersebut diprotek dengan 2 (dua) layers, yaitu :
- 1st Layer : Rp. 5 Milyar Excess of Rp. 5 Milyar
- 2nd Layer : Rp. 15 Milyar Excess of Rp. 10 Milyar
Kemampuan keuangan perusahaan yang cukup mendukung, mendorong “ALBATROS” untuk menahan lebih besar bisnis property dan memutuskan dalam renewal treaty mendatang untuk menjadi reasuradur sendiri sebesar 25% dari surplus treaty limit.
Jelaskan :
a. Keuntungan dan kerugian bagi asuradur “ALBATROS” atas rencana perubahan dalam renewal dimaksud.
b. Dampak bagi reasuradur yang mendukung surplus treaty, bila rencana tersebut direalisasikan.



10. Program reasuransi property tahun 2009 suatu perusahaan asuransi terdiri dari :
- 19 gross line of Rp. 1 milyar estimated maximum loss per risk, dengan jumlah premi reasuransi yang disesikan Rp. 20 Milyard
- 1 Gross line diatas diprotek dengan risk excess of loss, yaitu:
Layer I : Rp. 800 juta excess of Rp 200 Juta, each and every loss.
Layer II : Rp 1 milyar excess of Rp 1 milyard, each and every loss.

Mengingat besarnya premi reasuransi yang disesikan daan hasilnya memberikan keuntungan yang besar bagi reasuradur, asuradur ini merencanakan untuk meningkatkan retensi dalam proportional treaty menjadi Rp. 2 milyar dan mengubah menjadi 9 lines.
Jelaskan :
a. Informasi yang perlu disampaikan ke reasuradur sehubungan dengan perubahan treaty diatas.
b. Dampak perubahan dimaksud terhadap reasuransi excess of loss.
c. Faktor – faktor yang dipertimbangkan dalam penetapan net retention asuradur.




11. Informasi tentang rating kemampuan financial reasuradur yang dibuat oleh lembaga pemeringkat merupakan hal penting dalam penempatan reasuransi yang dilakukan oleh reasuradur :
a. Jelaskan sumber dan jenis informasi yang digunakan oleh lembaga pemeringkat diatas dalam melakukan penilaian dimaksud,
b. Jelaskan 8 (delapan) factor yang dipertimbangkan oleh lembaga tersebut dalam memberikan penilaian kemampuan finansial perusahaan.


12. Portofolio Properti suatu perusahaan asuransi diprotek dengan excess of loss treaty on losses occurring basis. Pada saat perpanjangan, perusahaan asuransi tersebut ingin melakukan perubahan reasuransi menjadi risk attaching basis.

Diskusikan implikasi perubahan diatas khususnya yang berkaitan dengan syarat dan kondisi reasuransi.


13. Dalam kaitan dengan kerjasama reasuransi, jelaskan :
a. 6 (enam) informasi penting yang harus dilakukan oleh perusahaan asuransi dalam menilai kemampuan finansial reasuradur.
b. Dampak yang timbul bagi perusahaan asuransi apabila reasuradur yang dipilih mengalami kebangkrutan.


14. Jenis – jenis asuransi termasuk dalam casualty business sering dikelompokkan dalam satu program treaty reasuransi. Jelaskan :
a. Kelebihan dan kekurangan penggabungan treaty dimaksud.
b. Bentuk reasuransi yang lazim digunakan untuk treaty tersebut dan berikan alasannya.

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