Sehebat apapun perlindungan asuransi jiwa, tidak ada yang mampu menggantikan arti ...

54 Pages·2012·3.37 MB·Indonesian

perusahaan yang memaknai arti kehidupan yang sesungguhnya
Sehebat apapun perlindungan asuransi jiwa, tidakada yang mampu menggantikan arti keberadaan
Anda untuk keluarga dan orang-orang tercinta.
No matter how great life insurance is, it can never
replace the existence of our customers for their
families and their loved ones.
INTRODUCTION
Sejak didirikan tahun 1996, PT Great Eastern Life Indonesia
(Great Eastern Life) terus mengalami pertumbuhan yang
berkelanjutan. Kinerja bisnis Perusahaan, termasuk total asetdan investasi, terus tumbuh, meskipun terjadi gejolak ekonomidi berbagai negara di dunia.
Great Eastern Life masih menghadapi tantangan atas masih
rendahnya kesadaran masyarakat Indonesia terhadap kebutuhan
asuransi. Hal ini didukung oleh data Swiss Re 2011 yangmenyeSbinuctke aitns ebsatahbwlisah mpeennte intr 1a9s9i 6a, sPuTr aGnresai tdi Indonesia hanya
Eastern Life Indonesia (Great Eastern Life)
sebesar 2,7 persen. Meski demikian, Great Eastern Life
has been consistently improving its
menganggapnya sebagai kesempatan untuk terus performance throughout the years. Despite
mengembangkan pangsa pasarnya di Indonesia. the economic downturn at various parts
of the world, Great Eastern Life’s business
performance as well the total assets and
Dengan didukung oleh kekuatan internal perusahaan serta terus investments continue to grow.
tumbuhnya kesadaran masyarakat, Great Eastern Life percaya
In terms of market challenges, the low
bahwa Perusahaan akan terus merambah pasar Indonesia.Berbagai strategi telah disiapkan untuk mencapai pertumbuhanperusahaan yang berkelanjutan dan berkesinambungan.
awareness of Indonesians towards the
need of insurance remains as one of key
challenges Company has been facing as
Tahun 2012 menjadi salah satu tahun dengan pencapaian terbesar
the industry player. This is supported by
bagi Great Eastern Life. Transformasi Perusahaan menjadiLife CoSmwipssa nRye a 2ta0u1 p1 edruastaa htahaant ysatantge dm tehmeianksunraain acreti pkeenheidtruatpioann of Indonesia stood
menandai awal perjalanan Great Eastern Life dengan cara at 2.7 percent. However, this also turns
to be our market opportunities as Great
pandang terhadap nasabah yang berbeda. Great Eastern Life
Eastern Life is continuously striving to
ingin memberikan lebih dari hanya sekedar perlindungan asuransijiwa. Peenxtgeanlda mitsa mn alerkbeiht sdhaarrie 1 in0 4th tea Ihnudno nmeseinangajarkan kami bahwasehebat apapun perlindungan asuransi jiwa, tidak ada yangmampu menggantikan arti keberadaan Anda untuk keluarga dan
orang-orang tercinta. market.
Supported by Great Eastern Life’s internal
Sebagian besar inisiatif di tahun 2012 merefleksikan posisi kami strengths as well as improving awareness
saat ini sebagai Life Company. of Indonesian people, the Company
believes that Great Eastern Life will
continue to grow. Business strategies have
been geared up to achieve a continuous
and sustainable growth.
Year of 2012 has been one of those
greatest years for Great Eastern Life.
Company’s transformation to a LifeCompany marked Great Eastern Life’s
new journey and different point of view
towards customers. Great Eastern Life
would like to offer more than just life
insurance protection. Our over 104-year
experience has taught us that no matter
how great life insurance is, it can never
replace the existence of our customers
for their families and their loved ones.
Most of our initiatives in 2012 reflected
our current positioning as a Life
Company.
02 LAPORAN TAHUNAN 2012 GREAT EASTERN LIFE
GREAT EASTERN LIFE ANNUAL REPORT 2012 03
ABOUT GREAT EASTERN LIFE
PT Great Eastern Life Indonesia adalah bagian dari Great EasternHoldings Ltd, perusahaan asuransi jiwa yang menawarkan
rangkaian produk asuransi untuk memenuhi kebutuhan
masyarakat akan proteksi pendapatan (income protection), serta
akumulasi dan proteksi kekayaan (wealth accumulation &
protection) melalui dua saluran distribusi yaitu Agency &
PT Great Eastern Life Indonesia is part of
Bancassurance. Great Eastern Life juga menyediakan produk Great Eastern Holdings and known as Life
asuransi dengan prinsip Syariah yang dipasarkan melalui Unit Insurance Company in Indonesia which
provide range of insurance solutions to
Syariah. Great Eastern Life memiliki aliansi strategis secara
fulfill customer needs in income protection,
eksklusif untuk bancassurance dengan Bank OCBC NISP. wealth accumulation and protection with
2 distribution channels: Agency and
Bancassurance. Great Eastern Life also
Beroperasi di Indonesia sejak tahun 1996, Great Eastern Life
provides life insurance product with Sharia
berkomitmen memberikan pelayanan berkualitas kepada principles through Sharia unit and has
a strategic alliance with exclusiveBancassurance partnership with Bank
nasabahnya dan menjadikan hidup lebih indah berdasarkan
OCBC NISP.
kemandirian keuangan, kesehatan yang baik serta hubunganyang bermakna.
Great Eastern Life commenced its
operations in 1996. With the cutting edge
Great Eastern Life adalah grup perusahaan asuransi tertua dan
technology, highly qualified employees
terbesar di Singapura dan Malaysia. Dengan total aset sebesarRp 381an tdr ilpiuronf e(sSs$io n5a7l amgeilniatsr) adnadn s atelelsa hof fmiceeslayani sekitar empat
juta Pemegang Polis dan beroperasi di China, Indonesia, Vietnam across Indonesia, Great Eastern Life is
always committed to provide service
dan Brunei. Great Eastern Life Assurance Company Limited
excellence to customers and to make life
mendapatkan nilai AA- dalam hal financial strength dan great by providing financial security, good
counterparty credit ratings dari Standard & Poor’s, dan merupakan health and meaningful relationships.
salah satu perusahaan asuransi di Asia yang mendapatkan ratingtertinggi.
Great Eastern is the oldest and most
established life insurance group in
Great Eastern merupakan anak perusahaan OCBC Bank, grup Singapore and Malaysia. With $57 billion
(Rp 381 trillion) in assets and around 4.0
jasa keuangan terbesar kedua di Asia Tenggara dalam hal aset.
million policyholders, it has two successfuldistribution channels – the tied agency
OCBC Bank juga merupakan salah satu Bank di dunia yangmemilikfoi rrcaet ianngd ybaanngca tsinsugrgain, cdee. nTghea nC olomnpga nteyrm credit rating Aa1
also operates in China, Indonesia, Vietnam,
dari Moody’s, serta mendapat pengakuan sebagai “Bank Terkuat
and Brunei. Great Eastern Life Assurance
di Dunia” dari Bloomberg Markets pada 2011 dan 2012.
Company Limited has been assigned the
financial strength and counterparty credit
ratings of 'AA-' by Standard & Poor's, one
of the highest among Asian life insurancecompanies.
Great Eastern is a subsidiary of OCBC
Bank, the second largest financial services
group in Southeast Asia by assets. It is
one of the world's most highly-rated
banks, with an Aa1 rating from Moody's.
It is also ranked by Bloomberg Markets
as the world's strongest bank in 2011 and
2012.
04 LAPORAN TAHUNAN 2012 GREAT EASTERN LIFE
GREAT EASTERN LIFE ANNUAL REPORT 2012 05
COMPANY ACHIEVEMENTS 2012
26%
pertumbuhan penjualan dari bancassurance
increase in bancassurance sales
- Kapabilitas manajemen yang lebih kuat dan terstruktur,
terutama dengan kehadiran CEO yang baru serta terbentuknya
divisi Risk Management & Compliance dan divisi Marketing
yang baru
- Terpilih sebagai penyedia manfaat kesehatan 2013 untuk
karyawan Bank OCBC NISP beserta keluarganya, menandai - Stronger and more structured
kesuksesan pertama Great Eastern Life dalam lini bisnis baru, management capability with the new
asuransi kumpulan CEO on board as well as the new
established Risk Management &
- Penyempurnaan dalam lead referral process membawa pada Compliance division and sharpened
Marketing division
pertumbuhan bancassurance sebesar 26%
- Appointed as 2013 employee benefit
- Format acara rekrutmen agency yang baru dengan nama provider for Bank OCBC NISP’s
Great Entrepreneur Talent Search employees and dependants, marking
a first success in Company’s new
- Peluncuran Live Great Programme untuk nasabah asuransi business line, group insurance
kumpulan - Improvement in lead referral process
leading to strong growth for
- Peluncuran digital platform Great Eastern Life Bancassurance (26%)
- New format for agency’s recruitment
- Peluncuran produk bancassurance dan agency yang unik
event, named Great Entrepreneur
dan inovatif Talent Search
- Live Great Programme launch for
- Dianugerahi peringkat kedua dalam Digital Brand of the Year
group insurance customers
2012, yang diselenggarakan majalah Infobank
- Great Eastern Life’s digital platform
establishment
- Launch of unique and innovative
products from bancassurance and
agency channels
- Awarded the 2nd rank in Digital Brand
of the Year 2012 from Infobank
magazine
06 LAPORAN TAHUNAN 2012 GREAT EASTERN LIFE
GREAT EASTERN LIFE ANNUAL REPORT 2012 07
FINANCIAL HIGHLIGHTS
RATA-RATA PREMI TERTIMBANG RASIO SOLVABILITAS PERUSAHAAN
WEIGHTED COLLECTED PREMIUM RISK-BASED CAPITAL (RBC)Rasio Solvabilitas Perusahaan (Risk-based capital– RBC) untuk Konvensional dan Unit Linked(non-syariah) di tahun 2012 adalah sebesar474,87%. Meskipun terjadi penurunan dibandingkandengan RBC di tahun 2011 yang disebabkan oleh
Rata-rata premi tertimbang Perusahaan di tahun biaya operasional dan sistem infrastruktur, namun
2012 mengalami peningkatan sebesar 3,57% ataumencarpaasii oR pi n2i4 3m,6a3s imh ilijaaru dhib amnedlianmgkpaanu di enkgeatenntuanpemerintah, yaitu sebesar 120%.Risk Based Capital (RBC) for Conventional and unit linked
rata-rata premi tertimbang Perusahaan di tahun (non-sharia) of Great Eastern Life in 2012 reached
474.87%. Eventhough the ratio experienced a decrease
2011 yang sebesar Rp 235,22 miliar
compared to 2011 due to the cost used for operational
Company’s 2012 weighted collected premium increased and infrastructure system, the 2012 RBC remains far
by 3.57% or equal to Rp 243.63 billion, compared to the above government regulation of 120%.
weighted collected premium in 2011 amounted to
Rp 235.22 billion
Rp 235.22 Rp 243.63
Rp 198.29
2010 2011 2012 638.27%
Billion / Miliar + 3.57% 604.60% 474.87%
RUGI BERSIH 2010 2011 2012
NETT LOSSSebagai perusahaan yang masih berkembang,adalah hal yang wajar apabila Perusahaan masihmembukukan kerugian. Namun seiring denganpertumbuhan Perusahaan, kerugian yang dialamiPerusahaan terus mengalami penurunan.As an improving Company, it was still tolerable for the
- 25.6%
Company to book a loss. However,in line with the
Company’s growth, the Company keeps reducing its
loss over the year.
TOTAL ASET
TOTAL ASSETS
Total aset Great Eastern Life di tahun 2012 tercatat
sebesar Rp 1,699 triliun, atau tumbuh sebesar4,8% dibandingkan dengan tahun 2011, yaitusebesar Rp 1,621 triliun.
Great Eastern Life’s total assets in 2012 reached
Rp 1.699 trillion, or grew by 4.8% compared to the year
2011 of Rp 1.621 trillion.
Billion / Miliar
2010 2011 2012
-Rp 13.25 Rp 1.620,83 Rp 1.698,72
Rp 1.212,06
-Rp 63.25
2010 2011 2012
Billion / Miliar + 4.8%
-Rp 144.99
08 LAPORAN TAHUNAN 2012 GREAT EASTERN LIFE
BUSINES HIGHLIGHTS
BANCASSURANCEBersama mitra untuk kerjasama bancassurance yang eksklusif,
Bank OCBC NISP, Great Eastern Life meluncurkan tiga produk
baru di tahun 2012:
- MaxHealth
Produk Term Life mengkombinasikan Hospital Cash dan
Protection Plan
- MaxPrestige Care
Produk Term Life yang menawarkan perawatan kesehatandi Singapura dan Malaysia
- MaxPrestige Heritage BANCASSURANCE
Produk Universal Life yang mencakup perlindungan pembagian With our exclusive bancassurance partner,
Bank OCBC NISP, Great Eastern Life
warisan keluarga
launched the following three products in
2012
- MaxHealth
AGENCY a Term Life that combines Hospital
Cash and Protection Plan.
Great Eastern Life meluncurkan dua produk unit linked dengan
- MaxPrestige Care
mata uang Dolar Amerika di tahun 2012, yang terdiri dari: a Term Life that also offers medical
- Greatlink Prime Investpro USD treatment in Singapore and Malaysia.
Produk unit linked premi tunggal, berdenominasi Dolar AS. - MaxPrestige Heritage
a Universal Life covering legacy
- Greatlink Flexipro USD
distribution for family.
Produk unit linked whole-life, berdenominasi Dolar AS.
AGENCY
Great Eastern Life launched two USD
ASURANSI KUMPULAN
currency unit linked products in 2012,
Great Eastern Life memasuki lini bisnis baru di tahun 2012, yaitu consist of:
Asuransi Kumpulan. Dengan kerja keras dan upaya seluruh tim, - Greatlink Prime Investpro USD
a Single Premium unit linked product,
Great Eastern Life berhasil terpilih sebagai penyedia asuransi
denominated in US Dollar.
kesehatan untuk 14.000 karyawan Bank OCBC NISP beserta - Greatlink Flexipro USD
keluarganya. Selain menyediakan produk asuransi, Great Eastern a Whole Life investment unit linked
Life juga menawarkan nilai tambah berupa Live Great Programme, product, denominated in US Dollar.
dengan berbagai manfaat dan keistimewaannya.
GROUP INSURANCE
Great Eastern Life entered Group
Insurance as a new business line in 2012.
With the hard work and efforts of all team,
Great Eastern Life was successfully
appointed as a 2013 health insurance
provider for Bank OCBC NISP’s 14,000
employees and dependents. In addition
to the insurance product, Company also
offered an added value of Live Great
Programme, with its wide range of benefits
and privileges.
GREAT EASTERN LIFE ANNUAL REPORT 2012 09
5. MEDAN
Kompleks Taman Juanda Blok D
Jl. Juanda No. 16-I, Medan 20157
Tel [phone]
Fax [phone]
WORKING AREA
6. PEKANBARU
KANTOR PUSAT Jl. Jend. Sudirman No. 498 A/B
HEAD OFFICE Kel. Wonorejo, Kec. Sukajadi, Pekanbaru
Menara Karya, Lantai 5 Tel [phone]
Jl. H.R. Rasuna Said Blok X-5 Kav.1-2 Fax [phone]
Jakarta12950, Indonesia Email [email protected]
Tel [phone]
7. JAMBI
Fax [phone]
Jl. Gatot Subroto No. 8,
greateasternlife.com/id
Kel. Sungai Asam, Kec. Pasar Jambi
Jambi 36134
Tel [phone]
CUSTOMER CONTACT CENTRE
Fax [phone]
CUSTOMER CONTACT CENTRE
Email [email protected]
Tel [phone]
Sen-Jum, pk08.30 s/d pk17.30 8. BATAM
Mon-Fri, 08.30am to 05.30pm Ruko Nagoya Hill, Blok R4 – D9
Fax [phone] Mall Nagoya Hill, Nagoya Centre,
Email [email protected] Batam 29444
Text [phone] Type *INFO Tel [phone]
Fax [phone]
Email [email protected]
PT Great Eastern Life Indonesia punya 1 unit Syariah
di Jakarta dan 12 kantor pemasaran di Indonesia. 9. PALEMBANG
PT Great Eastern Life Indonesia has a Sharia Unit in Jakarta Komp. Ruko Balayudha
and 12 sales offices in Indonesia. Jl. Jend. Sudirman No. 6
Palembang, Sumatera Selatan 30128
Tel [phone]
12 KANTOR PEMASARAN Fax [phone]
12 SALES OFFICES Email [email protected]
1. JAKARTA
10. DENPASAR
Menara Prima , Lantai 17Jl. Lingkar Mega Kuningan Blok 6.2 Jakarta 12950
Jl. Gatot Subroto Tengah No. 85 XX
Tel [phone]
Kel. Tonja, Kec. Denpasar Utara
Fax [phone]
Tel [phone]
2. BANDUNG Fax [phone]
Jl. Gatot Subroto No. 91 A, Bandung 40262 Email [email protected]
Tel [phone]
11. MAKASSAR
Fax [phone]
Ruko Metro Square No. F 11
3. YOGYAKARTA Jl. Veteran Utara, Makassar 90153
Jl. Raya Magelang No. 6, Jetis Tel [phone]/
Yogyakarta 55233 [phone]
Tel [phone] [phone]
Fax [phone] Fax [phone]
Email [email protected] Email [email protected]
4. SURABAYA 12. PAPUA
Jl. Raya Gubeng No 24, Surabaya 60281 Jl. Raya Abepura Entrop No. 8
Tel [phone] Jayapura, Papua
Fax [phone] Tel [phone]
Fax [phone]
10 LAPORAN TAHUNAN 2012 GREAT EASTERN LIFE