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"Dalam dunia asuransi semakin banyaknya peserta semakin baik dan sebaliknya, termasuk asuransi sosial yang dikenal sebagai Jaminan kesehatan Nasional seperti yang diterapkan di Indonesia. Namun faktanya, masih ada masyarakat yang belum menjadi peserta JKN dikarenakan mereka mengganggap mereka harus membayar iuran yang menurut mereka mahal setiap bulan, kemudian masih ada peserta yang belum mengetahui tentang JKN. Skripsi ini bertujuan untuk mengetahui faktor-faktor yang berhubungan dengan kepesertaan mandiri di wilayah kerja BPJS Kesehatan kantor layanan operasional Kabupaten Bogor tahun 2015.Penelitian ini menggunakan penelitian kuantitatif dengan desain cross sectional yang berarti pengukuran variabel dependen dan independen dilaksanakan pada satu waktu. jumlah populasi pada penelitian ini adalah 110 orang, menggunakan alat ukur kuisoner, analisis yang digunakan adalah analisis univariat dan bivariat dengan uji statuistk chi-square.Hasil penelitian 6 (enam) variable signifikan berhubungan dengan kepesertaan mandiri yaitu pendidikan, pekerjaan, pandangan terhadap resiko, pendapatan, premi dan kegunaan dan 3 (tiga) variable tidak signifikan berhubungan dengan kepesertaan mandiri yaitu umur, jenis kelamin dan jumlah anggota keluarga Peneliti menyarankan kepada pihak BPJS KLO Kabupaten Bogor untuk melakukan sosialisasi kepada peserta terkait dengan cara, syarat pendaftaran dan manfaat menjadi peserta JKN agar dapat tercapainya cakupan semesta.

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In the insurance world, the better the increasing number of participants and vice versa, including social insurance, known as the National Health Insurance as applied in Indonesia. But in fact, there are still people who have not joined the JKN because they assume they must pay dues according to their expensive every month, then there are participants who do not know about JKN. This thesis aims to determine the factors independently associated with participation in the work area BPJS Bogor district office operational services in 2015.This study uses a quantitative research with cross sectional design meaningful measurements of dependent and independent variables held at one time. the total population in this study were 110 people, using a questionnaire measuring devices, analysis is the analysis of univariate and bivariate with chi-square test statuistk.Results of the study six (6) variables significantly associated with the participation of independent education, employment, views on risk, income, premiums and usability and 3 (three) variables were not significantly related to the participation of self-such as age, gender and number of family members also suggested to KLO BPJS the Bogor Regency for dissemination to participants related to how, registration requirements and the benefits of being JKN participants in order to achieve universal coverage."

"Penerapan deductible pada jaminan kontrak asuransi merupakan salah satu cara untuk mengatasi masalah adverse selection dan moral hazard yang sering muncul pada asuransi kesehatan. Namun, deductible juga akan mempengaruhi besar net premium. Semakin tinggi deductible yang diterapkan, maka semakin rendah net premium yang akan diperoleh perusahaan asuransi. Jika terdapat klaim yang nilainya sangat besar, maka perusahaan asuransi kesehatan tidak dapat membayarkan klaim tersebut dikarenakan besar net premium yang diperoleh bernilai kecil. Oleh karena itu, penggunaan prinsip perhitungan net premium kurang cocok untuk digunakan. Kemudian, prinsip perhitungan premi dengan Proportional Hazard Transform yang diajukan oleh Wang dianalisis sebagai prinsip perhitungan premi yang cocok untuk digunakan ketika perusahaan asuransi kesehatan menerapkan deductible.

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Implementation of deductibles on insurance contracts is one of many ways to solve the adverse selection and moral hazard problems that often arise in health insurance. However, the deductible will also affect the amount of net premium. The higher the deductible, the lower the net premium that insurance company will get. If the claims amount are very large, then the insurance company would not be able to pay the claims because the amount of net premium that have been earned is small. Thus, the net premium principle is less suitable to use. The Proportional Hazard Transform principle proposed by Wang being analyzed as an alternative premium calculation method that is suitable to use when the insurer applies deductibles. "

"[ABSTRAKDalam dunia bisnis selalu terdapat persaingan, yang menuntut kemampuan perusahaan untuk beradaptasi dalam rangka mencapai keunggulan bersaing. Bisnis asuransi kerugian, dengan jumlah pemain 85 perusahaan, merupakan bisnis dengan tingkat persaingan cukup ketat. Kondisi persaingan ini menstimulasi keharusan bagi perusahaan untuk menetapkan tarif premi secara tepat, yang mampu menyesuaikan kondisi tertanggung dan mempunyai daya saing di pasar.Metode kredibilitas Buhlmann, merupakan salah satu metode kredibilitas yang dapat digunakan dalam melakukan perhitungan premi. Metode Buhlmann digunakan dalam penelitian ini untuk menghitung premi asuransi marine cargo dengan objek penelitian PT Tugu Pratama Indonesia. Proses perhitungan dilakukan dengan memprediksi ekspektasi aggregate loss dimasa yang akan datang dengan melibatkan pengalaman klaim masa lalu sebagai dasar perhitungan. Perhitungan aggregate loss dilakukan untuk tiap grup risiko, yakni grup oil, grup export import material, grup inter island material, dan grup gas and lubricant. Hasil ekpektasi aggregate loss akan digunakan untuk menghitung premi murni yang dikenakan kepada tertanggung tiap jenis risiko. Premi murni yang dihasilkan akan dibandingkan dengan premi aktual perusahaan yang digunakan perusahaan.Hasil penelitian menunjukkan bahwa premi murni untuk grup risiko oil adalah sebesar 0,098%, grup risiko export import material 0,107%, grup inter island material 0,078% dan grup gas and lubricant 0,339%. Setelah dibandingkan dengan premi aktual perusahaan, premi grup oil, grup export import material, dan grup inter island material mempunyai nilai lebih tinggi dibandingkan premi Buhlmann. Sehingga, terdapat ruang bagi perusahaan untuk menurunkan premi sampai batas premi kredibilitas Buhlmann. Sedangkan, premi grup risiko gas & lubricant mempunyai nilai di bawah premi Buhlmann. Sehingga, perusahaan dapat menaikkan premi untuk mengurangi risiko kerugian dimasa mendatang.

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ABSTRACTIn the business world, there is a competition, which requires company to adapt in order to achieve competitive advantage. Insurance business, with the number of players 85 companies, is a business with tight level of competition. This competition stimulates the requirement for companies to establish appropriate premium rates, which is able to adjust the condition of the insured and competitive in the market.Buhlmann credibility method, is one of credibility methods that can be used in premium calculation. In this research, Buhlmann method is used to calculate the premium of marine cargo insurance in PT Tugu Pratama Indonesia. Calculation process performed by predicting the expected future aggregate loss by involving past claims experience as the basis for calculation. Aggregate loss calculation is processed for each risk group, they are the group of oil, export import material group, inter-island group material, and the gas and lubricant group. Results of aggregate loss expectation will be used to calculate pure premiums that will be charged to the insured for each type of risk. Generated pure premium will be compared to the actual premium.The results showed that the pure premium for the risk group of oil is equal to 0.098%, the risk group of import export of material 0.107%, inter island group and group material 0.078% and gas & lubricant 0.339%. After compared to the company's actual premium, group premium oil, import export group material and group material inter island are greater than premium Buhlmann. Thus, there is a chance for company to reduce premiums to the extent premiums Buhlmann credibility. Meanwhile, the risk premium gas and lubricant group has a value below the premium Buhlmann. Thus, the company can raise premiums to reduce the risk of future losses., In the business world, there is a competition, which requires company to adapt in order to achieve competitive advantage. Insurance business, with the number of players 85 companies, is a business with tight level of competition. This competition stimulates the requirement for companies to establish appropriate premium rates, which is able to adjust the condition of the insured and competitive in the market.Buhlmann credibility method, is one of credibility methods that can be used in premium calculation. In this research, Buhlmann method is used to calculate the premium of marine cargo insurance in PT Tugu Pratama Indonesia. Calculation process performed by predicting the expected future aggregate loss by involving past claims experience as the basis for calculation. Aggregate loss calculation is processed for each risk group, they are the group of oil, export import material group, inter-island group material, and the gas and lubricant group. Results of aggregate loss expectation will be used to calculate pure premiums that will be charged to the insured for each type of risk. Generated pure premium will be compared to the actual premium.The results showed that the pure premium for the risk group of oil is equal to 0.098%, the risk group of import export of material 0.107%, inter island group and group material 0.078% and gas & lubricant 0.339%. After compared to the company's actual premium, group premium oil, import export group material and group material inter island are greater than premium Buhlmann. Thus, there is a chance for company to reduce premiums to the extent premiums Buhlmann credibility. Meanwhile, the risk premium gas and lubricant group has a value below the premium Buhlmann. Thus, the company can raise premiums to reduce the risk of future losses.]"

"Skripsi ini akan membahas mengenai permasalahan (1) Pengaturan mengenai pemasaran produk asuransi melalui platform digital yang dikategorikan sebagai Badan Usaha Selain Bank (“BUSB”), dalam contoh kasus yang dipakai aplikasi Gosure dan relevansinya dengan praktik yang berkembang saat ini pada berbagai platform dengan fokus pada platform digital Gosure (2) Hubungan hukum para pihak yang timbul ketika pemegang polis melakukan penutupan asuransi melalui platform digital dan tinjauan mengenai penerimaan premi yang diterima oleh perusahaan pialang asuransi ketika platform tersebut bertindak sebagai BUSB. Saat ini, Otoritas Jasa Keuangan melalui regulasinya membagi 2 pengaturan untuk penyelenggaraan asuransi secara digital, yaitu diatur dalam Surat Edaran Otoritas Jasa Keuangan Nomor 30 Tahun 2022 Tentang Saluran Pemasaran Produk Asuransi dalam rangka pemasaran dan Peraturan Otoritas Jasa Keuangan Nomor 28 Tahun 2022 untuk Pialang Asuransi dalam rangka melakukan keperantaraan secara digital. Dalam penelitian ini, metode yang digunakan adalah yuridis normatif dengan menggunakan data sekunder, serta analisis data dilakukan secara kualitatif. Berdasarkan hal tersebut penulis berkesimpulan, (1) perusahaan pialang asuransi digital dilarang masuk kedalam skema pemasaran produk asuransi mengingat ketentuan UU Perasuransian mendefinisikan bahwa perusahaan pialang asuransi berkedudukan mewakili kepentingan pemegang polis (2) Dalam hal perusahaan pialang asuransi digital menerima premi melalui skema pemasaran produk asuransi, premi tersebut menjadi tanggung jawab perusahaan pialang asuransi digital.

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This thesis will discuss the issues of (1) Regulations regarding the marketing of insurance products through digital platforms categorized as Business Entities Other than Banks ("BUSB") and their relevance to current practices with a case study on the Gosure Digital platform (2) Legal relationships of the parties arising when policyholders close insurance through the Gosure digital platform and a review of the receipt of premiums received by insurance brokerage companies when the Platform acts as a BUSB. Currently, the Financial Services Authority through its regulations divides 2 arrangements for the implementation of digital insurance, which are regulated in the Financial Services Authority Circular Letter Number 30 of 2022 concerning Marketing Channels for Insurance Products in the context of marketing and Financial Services Authority Regulation Number 28 of 2022 for Insurance Brokers in the context of digital brokering. In this research, the method used is normative juridical using secondary data, and data analysis is carried out qualitatively. Based on this, the author concludes, (1) insurance brokerage companies are prohibited from entering into insurance product marketing schemes considering that the provisions of the Insurance Law define that insurance brokerage companies have the position of representing the interests of policyholders (2) In the event that a digital insurance brokerage company receives a premium through an insurance product marketing scheme, the premium is the responsibility of the insurance broker."