Perhitungan premi kredibilitas BPJS kesehatan dengan model Bühlmann-Straub = Credibility premium calculations for BPJS kesehatan with Bühlmann-Straub model

Sadeli, Jessica (2020) Perhitungan premi kredibilitas BPJS kesehatan dengan model Bühlmann-Straub = Credibility premium calculations for BPJS kesehatan with Bühlmann-Straub model. Bachelor thesis, Universitas Pelita Harapan.

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Abstract

Pada skripsi ini, salah satu model dari teori kredibilitas yaitu model Bühlmann-Straub akan digunakan untuk menghitung premi kredibilitas BPJS Kesehatan tahun 2017 dengan memanfaatkan data sampel BPJS Kesehatan tahun 2015-2016. Perhitungan premi kredibilitas dilakukan dalam dua variasi. Variasi pertama adalah perhitungan tanpa nol klaim yang terdiri dari tiga jenis perhitungan yaitu perhitungan secara individual, berdasarkan provinsi, dan berdasarkan frekuensi klaim. Variasi kedua adalah perhitungan dengan nol klaim yang terdiri dari dua jenis perhitungan yaitu perhitungan berdasarkan provinsi dan berdasarkan frekuensi klaim. Selain itu, dilakukan juga perhitungan premi kredibilitas tambahan dengan beberapa variasi persentase peserta yang tidak melakukan klaim. Masing-masing perhitungan dilakukan untuk setiap segmen peserta BPJS Kesehatan yang terdiri dari segmen peserta Penerima Bantuan Iuran (PBI), Pekerja Penerima Upah (PPU), serta segmen peserta Mandiri yang terbagi menjadi dua yaitu Pekerja Bukan Penerima Upah (PBPU) dan Bukan Pekerja. Dari seluruh perhitungan, disimpulkan bahwa untuk segmen peserta Mandiri, nilai premi ketetapan pemerintah masih terlalu kecil bila dibandingkan dengan premi kredibilitas yang diperoleh. Sedangkan dari perhitungan tambahan, ditarik kesimpulan bahwa nilai premi kredibilitas semakin besar seiring dengan bertambahnya jumlah peserta yang melakukan klaim. Hasil perhitungan premi kredibilitas dengan menggunakan data sampel belum dapat diperumum untuk mewakili populasi di Indonesia karena tidak terdapat cukup informasi untuk menentukan perbandingan sebenarnya dari jumlah peserta yang melakukan klaim dan yang tidak melakukan klaim. / In this paper, one of model from credibility theory which is The Bühlmann-Straub model will be used to calculate BPJS Kesehatan 2017 credibility premium and the data that will be used in is sample data of BPJS Kesehatan for 2015-2016. This paper represent two variations of credibilIty premium calculations. The first variation is calculation without zero claims consist of calculations based on individual, calculations based on provinces, and calculations based on the frequency of claims. The second variation is calculation with zero claims consist of calculations based on provinces and calculations based on the frequency of claims. Moreover, there are some additional premium calculations for some percentage variations of participants who have no claim. Each calculations will be done for each BPJS Kesehatan participant segments. BPJS Kesehatan has four participant segments consist of Penerima Bantuan Iuran (PBI), Pekerja Penerima Upah (PPU), and Mandiri participant (Pekerja Bukan Penerima Upah (PBPU), Bukan Pekerja). From all calculations, it can be concluded that for Mandiri participant, the credibility premium is smaller than the premium set by the government. Moreover from the additional calculations, it can be concluded that the value of the credibility premium is getting greater along with the increasing number of participants who have claims. The results of credibility premium calculations by using sample data cannot yet be generalized to represent the population in Indonesia because there is not enough information to determine the actual comparison of the number of participants who have claims and those who do not have claims.

Item Type: Thesis (Bachelor)
Creators:
CreatorsNIMEmail
Sadeli, JessicaNIM00000021608noviajessica878@gmail.com
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorMargaretha, HelenaNIDN0312057504helena.margaretha@uph.edu
Thesis advisorSaputra, KieNIDN0401038203kie.saputra@uph.edu
Uncontrolled Keywords: premi; faktor kredibilitas; BPJS Kesehatan; Bühlmann-Straub
Subjects: Q Science > QA Mathematics
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Science and Technology > Mathematics
Current > Faculty/School - UPH Karawaci > Faculty of Science and Technology > Mathematics
Depositing User: Users 5939 not found.
Date Deposited: 17 Jul 2020 02:32
Last Modified: 17 Jul 2020 02:32
URI: http://repository.uph.edu/id/eprint/9306

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