ANALISIS PENERAPAN MANAJEMEN RISIKO DALAM PROSES UNDERWRITING ASURANSI REKAYASA DI PT ASURANSI INTRA ASIA

Aldi Gunawan Pane, I Nyoman Winata, Mulawarman Awaloedin

Abstract


This study aims to know the classification of risks and to determine the application of risk management in the underwriting process of class of business

such as Construction All Risks (CAR), Erection All Risks (EAR), Heavy Equipment (HE) and Machinery Breakdown (MB) at PT Asuransi Intra Asia. Risk classification is carried out by calculating the probability (frequency) of claims and the financial impact of claims that occur every year for a period of 5 (five) years from each class of business of Engineering Insurance. This is done to determine if the risk status is low, medium or high by using the risk rating scheme analysis technique. Once the risk status is known, appropriate risk mitigation will be carried out. The results of the analysis shows that Erection All Risk (EAR) and Machinery Breakdown (MB) are at medium risk and Construction All Risk (CAR) and Heavy Equipment (HE) are at high risk. The implementation of the risk management process in the Insurance Engineering’s underwriting process has not been carried out optimally due to the incomplete insurance proposal form that provides the risk assessment process, and the risk evaluation and monitoring process has not been carried out in the Engineering Insurance’s underwriting process. So from the results of the analysis, it is recommended that before acceptance is carried out by the Underwriter, the insurance proposal form must t be completed first to provide prior risk, it is necessary to evaluate and monitor risk in the Engineering Insurance’s underwriting process and the risk management implementation process in the Engineering Insurance’s underwriting process should be adjusted to the latest Regulation Financial Services Authority.

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