Seseorang yang menggunakan produk asuransi pastinya wajib untuk membayar premi sesuai ketentuan asuransi yang berlaku (per bulan atau per tahun). Besar kecilnya pembayaran premi berdasarkan hasil perhitungan terhadap klaim dan biaya asuransi yang dipilih.
Jika kamu ingin menggunakan produk asuransi dan sedang mencari biaya premi sesuai dengan kantongmu, berikut ini adalah 4 aspek yang memengaruhi penetapan biaya asuransi.
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#1 Menentukan Besaran Premi Asuransi menggunakan Tabel Mortalita, tingkat angka kematian di setiap negara
Faktor pertama dalam besaran harga premi asuransi adalah berdasarkan perkiraan tingkat kematian setiap tahun di setiap kelompok umur. Dengan menggunakan tabel mortalitas, perusahaan asuransi akan menghitung tingkat kematian tiap kelompok usia. Harga premi asuransi akan semakin mahal jika angka mortalitasnya atau tingkat kematiannya satu kelompok umur yang tinggi.
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#2 Tingkat suku bunga dan hasil investasi
Faktor berikutnya yang memengaruhi besaran biaya premi adalah tingkat suku bunga yang dari investasi. Perusahaan asuransi akan menghitung berapa keuntungan investasi dengan dana yang mereka kelola untuk menentukan berapa besar premi yang mereka berikan kepada nasabah dengan cara menghitung selisih hasil investasi dengan premi murni. Biaya premi yang rendah akan nasabah dapatkan ketika perusahaan asuransi mendapatkan hasil investasi yang lebih tinggi dari pengelolaan dana nasabah.
#3 Contingencies, biaya perhitungan atas pengeluaran, pajak, laba, dan lainnya
Penentuan besaran premi juga berdasarkan aspek biaya-biaya lain perusahaan dalam menjalankan produk asuransi, seperti pengeluaran, pajak, laba, dan lainnya (contingencies). Perusahaan asuransi juga harus bekerja secara efektif dan efisien, sehingga perusahaan dapat menekan biaya.
#4 Manfaat atas perlindungan yang diberikan
Aspek terakhir yang memengaruhi harga premi asuransi adalah manfaat atau feedback yang perusahaan asuransi berikan kepada nasabah. Semakin banyak manfaat yang perusahaan berikan seperti perlindungan dari risiko kematian, dan rider tambahan (tambahan manfaat di luar manfaat dasar) maka harga premi juga semakin tinggi.
Setelah Tau Cara Mengetahui Besaran Premi Asuransi, Yuk Mulai Lindungi Kamu Dengan Asuransi
Setelah mengetahui berbagai aspek yang memengaruhi harga premi dari asuransi jiwa, kini saatnya kamu menentukan produk asuransi untuk melindungimu. Sesuaikan harga premi dengan kondisi finansial kamu dan manfaat perlindungan yang ingin kamu dapatkan.
Sekian informasi seputar aspek penentu besaran biaya premi di asuransi jiwa. Semoga artikel ini bermanfaat. Jangan lupa untuk bagikan artikel ini kepada temanmu yang sedang bingung mencari produk asuransi yang tepat.
Sumber:
https://lifepal.co.id/media/menghitung-premi-asuransi-jiwa/
https://www.aswata.co.id/id/berita/info-tips/28-o-how-to-calculate-your-claim-payment
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