ANALISIS PERBANDINGAN PENCADANGAN KLAIM ASURANSI PROPERTI DENGAN MENGGUNAKAN METODE CHAIN LADDER, BORNHUETTER FERGUSON, DAN LOSS RATIO PT ASURANSI UMUM XYZ

Abstract

This thesis aims to analyze the results of comparison of claims reserves with 3  (three) different methods, furthermore the title of this research is Analysis  Comparison Reserve Claim of Property Insurance Using the Chain Ladder  Method, Bornhuetter Ferguson Method, and Loss Ratio Method of PT Asuransi  Umum XYZ. The method used for this research is quantitative, the reason for  using quantitative methods is to determine whether there is a comparison of the  calculation results and which calculation results are the best. Data collection  techniques based on secondary data from PT Asuransi Umum XYZ and literature  studies both in the form of books, laws, documents, and so on. Hypothesis test  results indicate that there are differences in calculation results using the Chain  Ladder, Bornhuetter Ferguson, and Loss Ratio methods. However, if based on the  results of proof of the actuarial formula if the sum of the loss ratio claim reserves  is multiplied by (1 − 1f) and the chain ladder claim reserves are multiplied by (1  f), then it will be the same as bornhuetter ferguson claim reserves. This proves the  results of the claim reserves with the bornhuetter ferguson method is the best