Menentukan nilai tebus pada single dan double decrement asuransi endowment menggunakan teorema underwriting

Mardiana, Dina (2018) Menentukan nilai tebus pada single dan double decrement asuransi endowment menggunakan teorema underwriting. Diploma thesis, UIN Sunan Gunung Djati Bandung.

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Abstract

Nilai tebus (surrender value) adalah sejumlah uang yang dikeluarkan oleh perusahaan asuransi sebagai akibat dari pemutusan perjanjian kontrak asuransi oleh pemegang polis. Perhitungan nilai tebus pada single dan double decrement diperoleh dengan menggunakan teorema underwriting pada asuransi jiwa dwiguna (endowment) dengan beberapa langkah. Langkah awal adalah menentukan peluang kematian, peluang mengundurkan diri, dan peluang peserta asuransi yang tetap menjadi peserta untuk selanjutnya menentukan premi, komponen premi, cadangan premi, dan biaya operasi. Langkah terakhir adalah menggunakan teorema underwriting untuk menghitung nilai tebus dengan decrement akibat pengunduran diri. Rantai markov digunakan pada fungsi indikator untuk menentukan underwriting. The surrender value is the amount of money issued by an insurance company as a result of termination of an insurance contract agreement by the policy holder. Calculation of the surrender value in single and double decrement is obtained by using the underwriting theorem on endowment life insurance with several steps. The initial step is to determine the probability of death, probability to resign, and probability for insurance participants to remain participants to further determine the premium, the components of premiums, premium reserves and operating costs. The final step is to use the underwriting theorem to calculate the surrender value with the decrement due to resignation. The markov chain is used in the indicator function to determine underwriting.

Item Type: Thesis (Diploma)
Uncontrolled Keywords: Asuransi Jiwa Dwiguna (Endowment); Premi Asuransi; Cadangan Premi; Underwriting; Decrement; Nilai Tebus;
Subjects: Applied mathematics > Special Topics of Applied Mathematics
Divisions: Fakultas Sains dan Teknologi > Program Studi Matematika
Depositing User: Dina Mardiana
Date Deposited: 03 Dec 2018 08:44
Last Modified: 03 Dec 2018 08:44
URI: http://digilib.uinsgd.ac.id/id/eprint/17120

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