Perhitungan Kontribusi Tahunan Asuransi Kesehatan Berdasarkan Status Single Life

Abstract

This study aims to determine the annual contribution (premium) for a health insurance product under a single-life status using an actuarial approach. The contribution calculation incorporates key actuarial variables such as age, gender, claim probability, and the survival probability (px). The estimation is performed based on assumed insurance benefits, the company’s internal morbidity data, and a discrete simulation–based mathematical model. The results indicate variations in contribution rates among participants according to their individual risk levels. For example, the annual contribution for a 25-year-old male participant is Rp4,331,315.25, while that for a 19-year-old female participant is Rp2,426,604.68. From a total of 16 participants at PT Tachno, the aggregate contribution amounts to Rp67,663,102.40. After incorporating ujrah, operational expenses, commissions, and profit margin, the gross premium payable to the insurance company increases to Rp74,429,412.64. These findings highlight that risk-based contribution determination reflects fairness and prudence within the principles of Islamic insurance, while also supporting the insurer’s financial sustainability through proportional management of tabarru’ funds and ujrah.