Kontrak Reasuransi terjadi setelah pihak
– pihak yang bersangkutan mengadakan kesepakatan – kesepakatan atas hal – hal
yang telah dinegoisasikan.
Pihak – pihak yang bersangkutan tersebut
adalah Perusahaan Asuransi yang memerlukan proteksi reasuransi atau ceding
company dan perusahaan asuransi yang akan memberikan proteksi reasuransi atau
menerima business reasuransi, yang disebut Reinsurer atau Reasuradur.
Dalam dunia business perasuransian
terdapat 2 macam Reinsurer, yakni :
1. Perusahaan
Asuransi yang karena menerima business reasuransi atau memberikan proteksi
reasuransi lalumenjadi Reinsurer, yang demikian ini disebut Ordinary Reinsurer
atau Reasuradur biasa.
2. Perusahaan yang
semata – mata hanya menjalankan usahanya dalam bidang reasuransi, yaitu hanya
menerima business reasuransi dari perusahaan – perusahaan asuransi yang menutup
langsung risiko – risiko asuransi, yang demikian itu disebut Professional
Reinsurer atau Professional Reinsurance Company.
Dalam negoisasi yang terjadi antara
Ceding Company dan Reinsurer, diperlukan data – data atau informasi – informasi
yang akan dinegoisasikan.
Data – data atau informasi tersebut pada
permulaannya dituangkan dalam sebuah SLIP, yang dalam proses selanjutnya akan
dibuatkan COVERNOTE, untuk kemudian dibuatkan REINSURANCE TREATY WORDINGS.
Adapun data – data serta informasi yang
menyangkut hal – hal dalam reasuransi dapat dikemukakan sebagai berikut :
SLIP QUOTA
-
Ceding company
: XYZ INSURANCE COY. LTD.
-
Class of business
: Fire & Allied Perils
-
Territorial Limit
: Indonesia
-
Type of Treaty
: Quota Share
-
Limite
: 80 %
of the acceptances of the ceding company.
-
Maximum Liability
: Rp.
1.000.000.000,- a.o.r.
for 100 %
-
E.P.I.
: Rp.
1.500.000.000,- for 100 %
-
Commision
: 30 %
-
Profit commission
: 10 % - M.E. 5 %
Losses carried forward to
extinetion
-
Premium reserver : 40 %
Deposit
-
Intersest on Deposit
: 4 %
-
Loss Reserve Deposit:
100 %
-
Interest on Deposit
: 4 %
-
Portofolio
: 35 % premium, 90 % Losses.
-
Cash loss limit
: Rp .
50.000.000,- for 100 %
-
Bordereaux
: Monthly
-
Accounts
: Quarterly
-
Effective date
: 1 st January, 1988
-
Notice of cancellation:
3 months prior to 31 December any year.
-
Brokerage
: 2,50 %
SLIP SURPLUS
-
Ceding Company
: DEF INSURANCE COY, LTD.
-
Class of Business
: Fire & Allied Perils
-
Territorial Limit
: Indonesia
-
Maximum limit per-
: Rp.
20.000.000,- a.o.r.
Line
-
Number of Lines
: 20
-
E.P.I.
: Rp.
300.000.000,-
-
Commision
: 30 %
-
Profit commission
: 15 % , M.E. 5 %
Losses carried forward 3
years
-
Premium reserver : 40 %
Deposit
-
Intersest on Deposit
: 4 %
-
Loss Reserve Deposit:
100 %
-
Interest on Deposit
: 4 %
-
Portofolio
: 35 % premium, 90 % Losses.
-
Cash loss limit
: Rp .
10.000.000,- for 100 %
-
Bordereaux
: Nil
-
Accounts
: Halfyearly
-
Effective date
: 1st January, 1988
-
Notice of cancellation:
3 months prior to 31 December any year.
-
Brokerage
: 2,50 %
SLIP EXCESS OF LOSS
-
Reinsured
: POR INSURANCE COY, LTD.
-
Class Of business
: Fire & A.P.
-
Territorial Limit
: Indonesia
-
Type of Treaty
: Excess of
loss
-
Cover : To cover the Reinsured’s net retention on
risk
accepted by the company
-
Limits : To pay up to Rp. 200.000.000,- each and every
Loss
-
Excess of :
Rp. 100.000.000,- UNL/e.e.l.
-
Rate : 0,25 % of GNPI
-
Period : 12 months at 1st January, 1958
-
Minimum &
Deposit :
Rp. 1.000.000,-
Prem.
-
Conditions : 1. Ultimate
Net Loss Clause
2. One free reinstatement, thereafter at
prorata
3. 72 hours Loss Occurrence
- Brokerage : 10 %
- Information
: EPI 1988 = Rp. 800.000.000,-
No Losess exceeding Rp. 100 mio.
Largest Loss 1987 = Rp.
25 mio.
SLIP STOP
LOSS
-
Ceding Company :
KLM INS. CO. LTD, Madrid
-
Class of Business :
Hail
-
Territorial Limit :
Spain
-
Type of Treaty :
Stop Loss
-
Cover : To cover the
ceding company’s acceptances of
hail business anywhere in Spain
-
Limits : To pay 90 % of all losses in excess of 110 %
Loss
Ratio upto a maximum of 90 % of 180 % Loss
Ratio.
Provided always that in
no circumstances the
reinsurer
will be called up to pay more than 90
% or pesetas 16,500.000
-
Rate : 0,20 % of GPI
-
Period : 12 months at 1st January, 1988
-
Minimum Deposit :
Pesetas 150,000
Pre.
-
Conditions : 10 % of
all losses retained
net by ceding
company
and not reinsured
-
Brokerage : 10 %
-
Information :
EGPI 1988 = Pesetas 100 mio
SLIP AGGREGATE EXCESS OF LOSS
-
Ceding Company :
STU INSURANCE CO. , AUSTRALIA
-
Class of Business :
Fire & A.P.
-
Territorial Limits :
Worldwide ( excl. USA )
-
Type of Treaty :
Aggregate Excess of Loss
-
Cover : To cover the ceding company’s net retention
on
all
risks accepted on the company’s be half by its
underwriting agent in London
-
Limits : To pay
upto 10.000.000 poundsterling in the
aggregate of all
losses falling under their
underwriting
year 1988
-
Rate : 0,10 % of GNPI
-
Period : 12 months at 1st January, 1988
-
Minimum &
Deposit :
7,500 ps.
Premium
-
Brokerage : 10 %
Information :
EGPI 1988 = 8 mio ps.
Tags
reasuransi