Simulasi Perhitungan Premi Asuransi Kesehatan dan Jiwa pada Penderita Covid-19 yang Dipengaruhi Model Penyebaran Penyakit Menular SIDRS

Patrick Louis Lucin, Farah Kristiani, Benny Yong


Determination of health and death insurance benefits according to the needs of policyholders is very important to determine from the beginning of making an insurance policy, especially for insurance that takes over the risk of being infected with the COVID-19 virus. Several factors that must be taken into account in determining the amount of benefits and premiums due to COVID-19 are the human population factor that is susceptible, infected and death in the SIDRS infectious disease spread model. In this study, the influence of these three factors on actuarial calculations is examined in more depth to produce an appropriate premium determination formula by taking into account two payment schemes in lump sum and annuity. From the simulation results by applying data on COVID-19 cases in Indonesia to determine the parameters of the SIDRS model, it is concluded that the premium with an annuity benefit payment scheme is smaller than the premium with a lump sum benefit scheme. Furthermore, it is also concluded that if the population of policyholders increases, the premium price will also be lower.


Model SIDRS; aktuaria; manfaat; premi; COVID-19

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