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ANALISIS METODE REASURANSI PROPORTIONAL SURPLUS DAN METODE NON PROPORTIONAL EXCESS OF LOSS DALAM LINI BISNIS PROPERTY PADA PT BESS CENTRAL INSURANCE

MELISA KUMALA

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Title ANALISIS METODE REASURANSI PROPORTIONAL SURPLUS DAN METODE NON PROPORTIONAL EXCESS OF LOSS DALAM LINI BISNIS PROPERTY PADA PT BESS CENTRAL INSURANCE
Author MELISA KUMALA
Abstract PT. Bess Central insurance has a partnership with reinsurance companies in facultative methods and proportional surplus treaties, and has the desire to replace proportional surplus of loss with non proportional excess of loss methods because the proportional surplus reinsurance methods they use have considerable premiums and some special provisions that exclude some occupations, because of this, the authors are interested in analyzing whether the non-proportional excess of loss reinsurance method is better than the proportional surplus reinsurance method by considering cheaper premiums and more flexible terms and conditions and greater capacity so as to minimize facultative processes The author uses statistical data and loss profile of PT. Bess Central insurance in the last 5 years to calculate the estimated non proportional excess of loss premiums with the burning cost. The results of the analysis can be concluded that the non proportional excess of loss reinsurance method is better than the surplus proportional reinsurance method, where the premium for non-proportional excess of loss is cheaper than the surplus and larger capacity proportional reinsurance method.
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