Peran Underwriting Dalam Menyeleksi Resiko Pada Perusahaan Asuransi Syariah

Abstract

In insurance business activities, it is directed at protecting uncertain future conditions regarding risks related to the value of economic activities. Therefore, the role of underwriting is very influential for the company to ensure the adequacy of the premium rate and fairness, so that it does not cause the claim burden to be greater than the contribution made by the insured.

The formulation of the problem in this research is the role of underwriting in protecting companies against selection that could be detrimental to sharia insurance companies.

Researchers used a qualitative approach with secondary and primary data collection techniques in the form of observations, interviews, documentation and articles. The data analysis techniques used are data reduction, data presentation and drawing conclusions. 

Based on the results of the research and discussion described above, the author draws the conclusion that the role of underwriting for prospective insureds is to select and classify risks based on the provisions set by the company in a fair and homogeneous or neutral manner. So that the premium that will be paid by the insured will be in accordance with the risk they have. The role of Underwriting in the company will be to assess the company's ability to handle the risks of potential insureds and protect the company's finances from high risks.