Bentuk dan Kondisi Kontrak Reasuransi




Kontrak Reasuransi terjadi setelah pihak – pihak yang bersangkutan mengadakan kesepakatan – kesepakatan atas hal – hal yang telah dinegoisasikan.

Pihak – pihak yang bersangkutan tersebut adalah Perusahaan Asuransi yang memerlukan proteksi reasuransi atau ceding company dan perusahaan asuransi yang akan memberikan proteksi reasuransi atau menerima business reasuransi, yang disebut Reinsurer atau Reasuradur.

Dalam dunia business perasuransian terdapat 2 macam Reinsurer, yakni :

1.      Perusahaan Asuransi yang karena menerima business reasuransi atau memberikan proteksi reasuransi lalumenjadi Reinsurer, yang demikian ini disebut Ordinary Reinsurer atau Reasuradur biasa.

2.      Perusahaan yang semata – mata hanya menjalankan usahanya dalam bidang reasuransi, yaitu hanya menerima business reasuransi dari perusahaan – perusahaan asuransi yang menutup langsung risiko – risiko asuransi, yang demikian itu disebut Professional Reinsurer atau Professional Reinsurance Company.

Dalam negoisasi yang terjadi antara Ceding Company dan Reinsurer, diperlukan data – data atau informasi – informasi yang akan dinegoisasikan.
Data – data atau informasi tersebut pada permulaannya dituangkan dalam sebuah SLIP, yang dalam proses selanjutnya akan dibuatkan COVERNOTE, untuk kemudian dibuatkan REINSURANCE TREATY WORDINGS.

Adapun data – data serta informasi yang menyangkut hal – hal dalam reasuransi dapat dikemukakan sebagai berikut :

SLIP QUOTA

-          Ceding company        :  XYZ INSURANCE COY. LTD.
-          Class of business       :  Fire & Allied Perils
-          Territorial Limit        :  Indonesia
-          Type of Treaty           :  Quota Share
-          Limite                         :  80 %  of the acceptances of the ceding company.
-          Maximum Liability    :  Rp.  1.000.000.000,- a.o.r.
for 100 %
-          E.P.I.                            :  Rp.  1.500.000.000,-  for 100 %
-          Commision                 :  30 %
-          Profit commission     :  10 % - M.E. 5 %
   Losses carried forward to extinetion
-          Premium reserver     :  40 %
Deposit
-          Intersest on Deposit :  4 %
-          Loss Reserve Deposit:  100 %
-          Interest on Deposit   :  4 %
-          Portofolio                   :  35 % premium, 90 % Losses.
-          Cash loss limit            :  Rp .  50.000.000,- for 100 %
-          Bordereaux               :  Monthly
-          Accounts                    :  Quarterly
-          Effective date             :  1 st January, 1988
-          Notice of cancellation:  3 months prior to 31 December any year.
-          Brokerage                  :  2,50 %


SLIP SURPLUS

-          Ceding Company       :  DEF INSURANCE COY, LTD.
-          Class of Business       :  Fire & Allied Perils
-          Territorial Limit        :  Indonesia
-          Maximum limit per-  :  Rp.  20.000.000,- a.o.r.
Line
-          Number of Lines       :  20
-          E.P.I.                            :  Rp.  300.000.000,-
-          Commision                 :  30 %
-          Profit commission     :  15 % , M.E. 5 %
   Losses carried forward 3 years
-          Premium reserver     :  40 %
Deposit
-          Intersest on Deposit :  4 %
-          Loss Reserve Deposit:  100 %
-          Interest on Deposit   :  4 %
-          Portofolio                   :  35 % premium, 90 % Losses.
-          Cash loss limit            :  Rp .  10.000.000,- for 100 %
-          Bordereaux               :  Nil
-          Accounts                    :  Halfyearly
-          Effective date             :  1st January, 1988
-          Notice of cancellation:  3 months prior to 31 December any year.
-          Brokerage                  :  2,50 %

SLIP EXCESS OF LOSS

-          Reinsured                  :  POR INSURANCE COY, LTD.
-          Class Of business       :  Fire & A.P.
-          Territorial Limit        :  Indonesia
-          Type of Treaty           :  Excess of loss
-          Cover                          :  To cover the Reinsured’s net retention on risk
    accepted by the company
-          Limits                          :  To pay up to Rp.  200.000.000,- each and every
                                        Loss
-          Excess of                    :  Rp.  100.000.000,- UNL/e.e.l.
-          Rate                            :  0,25 % of GNPI
-          Period                         :  12 months at 1st  January, 1958
-          Minimum & Deposit  :  Rp.  1.000.000,-
Prem.
-          Conditions                  :  1.  Ultimate Net Loss Clause
    2.  One free reinstatement, thereafter at prorata 
    3.  72 hours Loss Occurrence
      -     Brokerage                  :  10 %
      -     Information               :  EPI 1988 = Rp.  800.000.000,-
    No Losess exceeding Rp.  100 mio.
Largest Loss 1987 = Rp.  25 mio.   

SLIP STOP LOSS

-          Ceding Company       :  KLM INS. CO. LTD, Madrid
-          Class of Business       :  Hail
-          Territorial Limit        :  Spain
-          Type of Treaty           :  Stop Loss
-          Cover                          :  To  cover  the  ceding company’s acceptances of
                                        hail business anywhere in Spain
-         Limits                          :  To pay 90 % of all losses in excess of 110 % Loss
                                       Ratio  upto  a  maximum  of 90 % of 180 % Loss
                                       Ratio.
                                       Provided  always  that  in  no  circumstances the
                                       reinsurer  will be called up to pay more than 90  
                                       %  or pesetas 16,500.000
-         Rate                            :  0,20 % of GPI
-         Period                         :  12 months at 1st January, 1988
-         Minimum Deposit      :  Pesetas 150,000
Pre.

-         Conditions                  :  10  %   of   all   losses   retained   net  by  ceding
                                       company and not reinsured
-         Brokerage                  :  10 %
-         Information               :  EGPI 1988 = Pesetas 100 mio

SLIP AGGREGATE EXCESS OF LOSS

-         Ceding Company       :  STU INSURANCE CO. , AUSTRALIA
-         Class of Business       :  Fire & A.P.
-         Territorial Limits       :  Worldwide ( excl. USA )
-         Type of Treaty           :  Aggregate Excess of Loss
-         Cover                          :  To cover the ceding company’s net retention on
                                          all risks accepted on the company’s be half by its
                                      underwriting agent in London
-         Limits                          :  To  pay  upto  10.000.000  poundsterling  in the
                                       aggregate   of   all   losses   falling   under   their
                                       underwriting year 1988
-         Rate                            :  0,10 % of GNPI
-         Period                         :  12 months at 1st January, 1988
-         Minimum & Deposit  :  7,500 ps.
Premium
-         Brokerage                  :  10 %
Information               :  EGPI 1988 = 8 mio ps.
Share:

Tidak ada komentar:

Posting Komentar

Terimakasih telah berkunjung. Silakan meninggalkan komentar, bertanya, atau menambahkan materi yang telah saya sediakan.

Labels

News (607) Clause (334) aamai (86) Artikel Afrianto (68) LSPP (66) Engineering Clause (60) OJK (59) Soal AAMAI (59) AAAIK (57) Buku (52) C Clause (52) A Clause (42) P Clause (42) S Clause (37) D Clause (35) Banjir (31) Soal Jawab (29) R Clause (28) 102 (27) Clause Liability (27) CAR Clause (26) Istilah (26) E Clause (25) Pengetahuan (25) 101 (24) 103 (23) L Clause (23) reasuransi (23) Klausul (22) Praktek Bisnis (22) pengertian (21) Headline (20) asuransi kebakaran (20) Marine Cargo (19) liability insurance (19) I Clause (18) Clause PAR (17) F Clause (17) M Clause (17) B Clause (16) Clause Property (15) Prinsip Asuransi (14) Risk Management (14) Syariah (14) Asuransi Mikro (13) N Clause (13) 201 (12) Surety Bond (12) cargo (12) klaim (12) pengantar asuransi kerugian komersil (12) Motor Car (11) O Clause (11) asuransi syariah (11) 104 (10) 303 (10) Asuransi kendaraan bermotor (10) Hukum Asuransi (10) KOMPAS001 (10) PA (10) asuransi kecelakaan diri (10) asuransi personal (10) prosedur klaim (10) Jasindo (9) Magang Beasiswa (9) contractor (9) hull (9) BPJS (8) dikecualikan (8) micro insurance (8) BUMN Reasuransi (7) FAQ OJK (7) Insurance Day (7) Merger (7) Peringkat Asuransi (7) Risk Management Calculations (7) erection (7) fidelity (7) kebongkaran (7) pengirimanuang (7) perluasan jaminan (7) 108 (6) Bali Rendezvous (6) Business Interruption (6) Engineering (6) Jiwasraya (6) Regulasi (6) dijamin (6) penyimpananuang (6) 106 (5) Case Study (5) Clause Marine (5) IGTC (5) LEG Clause (5) Marine Hull (5) Maritime Convension (5) objek pertanggungan (5) premi (5) Asuransi Ternak (4) Benefit (4) Broker (4) CGI (4) Contoh (4) Gempa (4) Nelayan (4) Perlindungan Konsumen (4) Produk (4) Sejarah (4) brand (4) investasi (4) jenis (4) jenis jaminan (4) limit pertanggungan (4) 107 (3) Asuransi Perjalanan (3) Asuransi Pertanian (3) BJPS (3) Bencana (3) Chubb (3) Contractor Plant and Machinery (3) Deductible BI (3) G Clause (3) Hukum Dagang (3) Hukum Ketenagakerjaan (3) Hukum Perdata (3) ICC 1982 (3) ICC 2009 (3) Iklan (3) Incoterms (3) Kendaraan (3) Maipark (3) Money Insurance (3) Online Marketing (3) Pesawat (3) Sinar Mas (3) hukum (3) periode pertanggungan (3) struktur polis (3) Asuransi Jiwa Jaminan (2) Asuransi Politik (2) Asuransi Sosial (2) Bank Garansi (2) Beli Asuransi (2) Bukopin (2) Bumi Asih (2) Clause Motor Car (2) Custom Bond (2) Fronting Company (2) GDEAI (2) Galeri Foto (2) H Clause (2) Kebijakan (2) Khusus (2) Kurikulum Asuransi (2) Market (2) Opini (2) PMA (2) PSAK 62 (2) Personal Accident (2) Perusahaan atau Korporasi (2) Professional Indemnity (2) Prudential (2) RSKKNI (2) Rangkuman (2) Reportase (2) SPPA (2) Sertifikasi Agen (2) Stockthroughput (2) Undang-undang (2) asuransi tradisional (2) aturan pemerintah (2) danaACA (2) dokumen pendukung (2) ganti rugi (2) harga pertanggungan (2) ifrs (2) indemnity (2) ketentuan (2) kontribusi (2) liability (2) marketing (2) perkecualian (2) product liability (2) public liability (2) rating (2) risiko (2) sharing (2) subrogasi (2) 105 (1) 202 (1) 302 (1) 304 (1) 401 (1) AXA Mandiri (1) Asuransi Jiwa Tugu Mandiri (1) Asuransi Kredit (1) Asuransi Migas (1) Asuransi Parkir (1) Asuransi Petani (1) Asuransi Peternak (1) Asuransi Tanaman (1) BRI (1) BTN (1) Badai Sandy (1) Banker Clause (1) Boiler and Pressure Vessel (1) Bosowa (1) Bringin Life (1) Bumiputera Life (1) Burglary Insurance (1) CPM / HE (1) Cakrawala Proteksi (1) Cigna (1) Ciputra (1) Commonwealth Life (1) Contractor Allrisk (1) Daftar Perusahaan Asuransi (1) DanaGempa (1) DanaRumah (1) Dayin Mitra (1) Directors’ And Officers’ Liability (1) Ekspor (1) Electronic Equipments (1) Emiten (1) Energi (1) Engineering Fee (1) Erection Allrisk (1) FPG Indonesia (1) File Insurance (1) Financial Planning (1) Forum Diskusi (1) Forwarder Liability (1) Great Eastern (1) Haji (1) Hanwha Life (1) Himalaya (1) IPO (1) ISO 31000 (1) InHealth (1) Insurance Act 2015 (1) Izin Usaha (1) J Clause (1) JKN (1) Jokowi (1) KOMPASANGGI (1) KOMPASMEGA (1) Kanker (1) Kebakaran (1) Kelas Konstruksi (1) Kilasdunia (1) Kinerja Asuransi Umum (1) Korupsi (1) Kupasi (1) LPS (1) Lloyd's (1) Loss Limit (1) Manulife (1) Medi Plus (1) Media Asuransi (1) Mitra Maparya (1) Multifinance (1) NMA (1) Obamacare (1) P&I (1) P&I Insurance (1) PAYDI (1) PSKI (1) Pailit (1) Pasar Senen (1) Penerbangan (1) Pertambangan (1) Perubahan Iklim (1) Powerpoint (1) Professional Liability (1) Pungutan OJK (1) RBC (1) Ritel (1) SDM (1) Sadar Asuransi (1) Sengketa Asuransi (1) Slide (1) Soal (1) Survey Report (1) asuransi properti (1) asuransi warisan (1) aturan (1) bapepam-lk (1) biaya (1) biro klasifikasi (1) business (1) definisi (1) fungsi asuransi (1) insurable interest (1) jaminan (1) judi (1) kapal (1) komposisi (1) kurs valas (1) kyc (1) laik (1) manfaat asuransi (1) modifikasi (1) ownrisk (1) pemasaran (1) penutupan asuransi (1) perlengkapan tambahan (1) polis (1) product guarantee (1) proximate cause (1) sistem pemasaran asuransi (1) strategi pemasaran (1)

Blog Archive

Recent Posts