Analisis Peran Unit Kerja Underwriting, Reasuransi, dan Klaim Dalam Pengelolaan Risiko Asuransi di PT Ahap
Abstract
Kinerja pengelolaan risiko asuransi sangat menentukan kemampuan perusahaan asuransi dalam menciptakan dan mempertahankan hasil underwriting sebagai nilai utama perusahaan. Permasalahan yang dihadapi dalam praktiknya adalah bahwa kegiatan pengelolaan risiko masih berjalan secara fungsional pada masing-masing unit teknis, sehingga koordinasi dan integrasi dalam proses penciptaan serta perlindungan hasil underwriting dapat terus ditingkatkan. Penelitian ini bertujuan untuk menganalisis peran unit kerja underwriting, reasuransi, dan klaim dalam pengelolaan risiko asuransi di PT AHAP. Penelitian menggunakan pendekatan kualitatif deskriptif dengan metode studi kasus. Data dikumpulkan melalui wawancara, observasi, dan telaah dokumen perusahaan untuk mendapatkan gambaran yang komprehensif mengenai pelaksanaan pengelolaan risiko di masing-masing unit kerja teknis. Hasil penelitian menunjukkan bahwa unit kerja underwriting berperan dalam menciptakan hasil underwriting melalui seleksi risiko, penilaian kelayakan calon tertanggung, dan penetapan premi dengan prinsip kehati-hatian. Unit kerja reasuransi berfungsi melindungi hasil underwriting dengan mengendalikan eksposur risiko melalui pengalihan sebagian pertanggungan kepada reasuradur. Unit kerja klaim berperan dalam penyelesaian klaim serta memberikan umpan balik terhadap kebijakan underwriting dan reasuransi. Keterkaitan ketiga unit kerja tersebut membentuk siklus yang berkesinambungan dalam menciptakan dan melindungi hasil underwriting sebagai nilai perusahaan asuransi. Simpulan penelitian menunjukkan bahwa pengelolaan risiko asuransi di PT AHAP telah berjalan sesuai dengan fungsi masing-masing unit kerja dan dapat lebih ditingkatkan melalui penguatan koordinasi antarunit agar sistem manajemen risiko perusahaan berfungsi lebih efektif secara menyeluruh. Rekomendasi penelitian ini menekankan perlunya pengembangan sistem manajemen risiko yang terstruktur dan terintegrasi antarunit teknis untuk mendukung pencapaian hasil underwriting yang berkelanjutan.
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