Liga Asuransi – Aviation insurance has become a condition without which no according to Law no. 1 of 2009 concerning Aviation. As well as being the final wall of the aspect risk management as a recipient of risks from potential bad events that cause losses.
This means that aviation insurance always provides optimal protection and provides peace of mind for passengers air operator as well as stakeholders. To remain sustainable, what is no less important is the competence of the parties who are in direct contact with these risks.
Qualified Loss Adjuster and Claim Officer
Human resource development can be started from aviation insurance loss assessment companies (aviation loss adjuster) in the country. Loss adjuster is a neutral and professional third party in assessing insurance claims. Loss insurance companies will need it in cases of claims that are considered complex and difficult to carry out examinations of large compensation values and are related to avoiding potential losses dispute of the causes of the losses incurred.
One person loss adjuster especially in the field of aviation, it is necessary to have the courage to take on a bigger role at any time incident or accident happen. Unfortunately, until now loss adjuster domestic aviation is not enough mature and competitive to successfully get a place in international market so it is not attractive enough for insurance companies in Indonesia and abroad Lloyds Underwriter. Appointment loss adjuster in practice they prefer those based in the Lion Country.
Apart from that, our lack of experts with special backgrounds in the aerospace sector is also the reason why it is difficult to appear and take part every time an aircraft incident occurs.
The insurance company itself has conditions like this claim officer being competent is a blessing. The decision of what a claim is claimable or unclaimable becomes very important after going through the claims analysis process carried out by him. Claim officer tasked with the following capabilities: supervising claim reserves, checking the age of claims, and analyzing insurance coverage for claims from the policy side.
Airplane Accident
The total number of aviation accidents investigated by the KNKT in Semester I of 2024 was 14 accidents, including the following types of accidents: accident And serious incident. The flight accidents in Semester I of 2024 are in the category accident happened five times, including three incidents in February, then one incident in March and May.
Meanwhile, category serious incident This happened nine times, including three incidents in January, then one incident in February and April, then three incidents in May 2024, and finally one incident in the middle of the year. If we reflect on the previous year in 2023, aviation transportation contributed a total of 20 incidents. Consists of 7 cases accident and 13 serious incident. This can also be interpreted that from now until the middle of the year alone it has reached 70% of the total incidents accident And serious incident last year.
From the description of the accident, it is important to increase aviation insurance expertise, especially with conditions soft market aviation Currently, plus the emergence of a policy of reducing the price of scheduled airline tickets, as well as pressure to reduce insurance premium rates from water operator (insured) which will have the potential to pursue efficiency with the consequence of increasing risks in terms of aircraft maintenance and management.
Aviation Underwriter Certification
Based on AAUI data, the number of General Insurance Companies in Indonesia until 2024 is 71. Of these 71 companies, no more than 10% have risk appetite to accept aviation insurance risks.
There are several factors that cause this to happen. First, nature of aviation insurance risks of a nature high severity And low frequency. Second, there are specific characteristics in managing risk unpreferrable This. The three characteristics of the aviation industry itself are that it is capital intensive, technology intensive, and requires specialist human resources or experts in the aerospace field.
The Association of Indonesian Insurance Management Experts (AAMAI), which has been approved by the government as an institution that has the right to examine and award the titles of Adjunct Experts, Insurance Experts and Risk Management Experts, has regulated the competency of experts. underwriter (risk analyst) certified (certified underwriter) for 7 lines of insurance viz Property, Marine, Motor, Engineering, Liability, Health, Bonding. However, there is no such thing yet for the aviation product line.
If this absence is allowed to continue, it will result in the disappearance of interest in the need for experts who should be there and it is feared that it will reduce self-confidence academically and practically. So far, technical skills related to the insurance sector have only been based on work experience and experience training brief held annually by representatives of international loss assessment companies located in Singapore or Reinsurance Broker which is located at UK.
Seeing this fact, it cannot be denied that the need to accelerate the creation of professional experts in this particular field must be considered more seriously considering that in the 2023 AAUI Indonesian General Insurance & Reinsurance Industry Performance Report and Analysis, this insurance product is recovering after being hit by the COVID pandemic. -19 ago with premium achievements recorded by the industry amounting to 1.371 trillion rupiah, up 5.9% from the previous year (yoy) amounting to 1.294 trillion rupiah in 2022. Even though its market share is still at 1.3%. Close to Energy On Shore Insurance at 1.2% and continues to try to catch up with its friend Ship Hull Insurance at 2.5%.
Thus, whether we realize it or not, it is hard to admit collectively that we are not yet skilled enough to be able to keep up with the rapid flow of science related to aviation, technology, insurance products, including human resource needs.
By: Rizky Triputra & Irvan Rahardjo
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