Full Solution Design — End-to-End Versi 2
Enam fase desain solusi menyeluruh, dari feasibility sampai kepatuhan regulasi.
Versi 1
Versi 2
Peril
Gempa
Trigger
7.2 Mw
Limit
US$ 25,00 jt
Premi
US$ 1,51 jt
RoL
6.05%
Capacity
3 provider
1
Problem Identification & Feasibility
Selesai
✔Identifikasi exposure tertanggung
✔Cek ketersediaan data independen (BMKG, NASA, NOAA)
✔Analisis basis risk vs kerugian aktual
✔Desain threshold & trigger yang tepat
2
Index & Data Architecture
Selesai
✔Sumber data: official vs 3rd-party vs IoT
✔Data governance: frekuensi, latency, reliabilitas
✔Mitigasi basis risk: multi-index, grid, layering
✔Ekonomi biaya data vs cover
3
Product Structure & Terms
Berjalan
✔Cakupan: single vs multi-peril
✔Attachment & exhaustion point
✔Mekanisme payout: fixed, linear, layer
✔Tenor & eksklusi (force majeure, data failure)
4
Pricing & Capital Modelling
Berjalan
✔Pemodelan probabilistik & simulasi stokastik
✔Premi teknis: pure risk + loading
✔Kebutuhan modal: solvensi, collateral, A-rated
✔Struktur reasuransi: QS, XoL, retro
5
Operational & Claims Automation
Menunggu
✔Verifikasi trigger: otomatis vs manual
✔Alur klaim: trigger → settlement
✔SLA pembayaran cepat (5–10 hari kerja)
✔Resolusi sengketa data source
6
Legal, Regulatory & Documentation
Menunggu
✔Wording polis + disklosur basis risk
✔Kepatuhan OJK / fronting / captive
✔Perlakuan pajak & akuntansi
✔SPIN / jaminan lain bila relevan