PENENTUAN PREMI DAN CADANGAN PADA ASURANSI PENDIDIKAN DENGAN MEMERHATIKAN PELUANG HIDUP ANAK

E-Jurnal Matematika Pub Date : 2021-11-30 DOI:10.24843/mtk.2021.v10.i04.p350

Ni Luh Diah Ayu Sita Dewi, I. N. Widana, Ketut Jayanegara

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Abstract

Education insurance provides services in the field of education. In education insurance, the insured not only gets protection benefits but also education funds. These benefits will be received if they have paid premiums. Insurance companies also need to set the exact amount of policy value. The purpose of this study is to determine the premium and policy value of education insurance by taking into account the child's life chances. In this study, used secondary data from the 2011 Indonesian Mortality Table and illustrated data in the form of education fund data. Premium is obtained using the equivalence principle and policy value is obtained using the prospective method. In the calculation of premiums and policy values for education insurance premiums by taking into account the child's life chances, modifications are made, the amount of education funds multiplied by the child's life chances. The results given in this study are the amount of education insurance premium by taking into account the child's life chances is Rp 6.946.456,00. Policy value increases during the disbursement of education funds and decreases at the end of coverage.

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教育保险提供教育领域的服务。在教育保险中，被保险人不仅获得保障利益，而且获得教育资金。如果他们缴纳了保险费，就可以获得这些福利。保险公司还需要设定保单价值的确切金额。本研究的目的是通过考虑孩子的生活机会来确定教育保险的保费和政策价值。在本研究中，使用了2011年印度尼西亚死亡率表中的二手数据，并以教育基金数据的形式说明了数据。保险金采用等效原理计算，保单价值采用前瞻性方法计算。在计算保费和政策价值时，考虑到孩子的生活机会，对教育基金数额乘以孩子的生活机会进行修改。在本研究中给出的结果是，考虑到孩子的生活机会，教育保险费的金额为6,946.45.6万卢比。政策价值在教育资金支付期间增加，在覆盖结束时减少。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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E-Jurnal Matematika

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24 weeks