Evaluasi Metode Seleksi Risiko Asuransi Jiwa Kredit Dan Dampaknya Terhadap Kinerja Keuangan Studi Pada PT. Asuransi Jiwasraya Persero
Life Underwriting Method has implemented by Jiwasraya to the debitors of Bank BTN causing incontestability of death claim. Enclosement of the disease as cause of the debitor death have been doubt. The research result showed that the chronic diseases and the ill of the debitors which over a long peri...
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| Format: | Thesis |
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[Yogyakarta] : Universitas Gadjah Mada
2012
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| Summary: | Life Underwriting Method has implemented by Jiwasraya to the debitors of
Bank BTN causing incontestability of death claim. Enclosement of the disease as
cause of the debitor death have been doubt. The research result showed that the
chronic diseases and the ill of the debitors which over a long period causing the death
in medical side. However, Jiwasraya has not been able to decline each of death claim
and must be paid it. The lack of the debitor life insurance application has created to
antiselection action. Surplus underwriting as the one of some of life insurer financial
performance indicator is difficult to reach.
The research of life underwriting has implemented by Jiwasraya has identified
that incontestability of death claim are: (1). The automatic acceptance with
unconditioning of the debitor to attach the medical record when applied credit life
insurance, (2). Lack of incontestable provision on the contract agreement and/or on
the policy term on condition. Both of the requirement must be in life insurance
market segmen with risk content are heterogenous like credit life insurance market
segmen toward the debitors of Bank BTN.
The research contribution is to obtain appropriate solution so that each of
stakeholders in well run of the credit life insurance business toward the debitors of
Bank BTN has been suited. |
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