{"id":7842,"date":"2025-09-23T16:00:30","date_gmt":"2025-09-23T09:00:30","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=7842"},"modified":"2025-09-23T13:51:01","modified_gmt":"2025-09-23T06:51:01","slug":"simulasi-perhitungan-premi-asuransi-properti-mengurai-kasus-nyata-secara-mendalam","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/zh\/simulasi-perhitungan-premi-asuransi-properti-mengurai-kasus-nyata-secara-mendalam\/","title":{"rendered":"\u8ca1\u7522\u4fdd\u96aa\u4fdd\u8cbb\u8a08\u7b97\u6a21\u64ec\uff1a\u6df1\u5165\u5206\u6790\u771f\u5be6\u6848\u4f8b"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u670b\u53cb\u4f60\u597d <\/span><a href=\"https:\/\/ligaasuransi.com\/\"><span style=\"font-weight: 400;\">Liga Asuransi<\/span><\/a><span style=\"font-weight: 400;\"> \u6b61\u8fce\u60a8\u518d\u6b21\u9020\u8a2a\u6211\u5011\u503c\u5f97\u4fe1\u8cf4\u7684\u8cc7\u8a0a\u983b\u9053\uff0c\u6211\u5011\u6db5\u84cb\u98a8\u96aa\u4fdd\u969c\u7684\u5404\u500b\u9762\u5411\u3002\u7406\u89e3\u8ca1\u7522\u4fdd\u96aa\u8cbb\u8a08\u7b97\u7406\u8ad6\u662f\u4e00\u56de\u4e8b\uff0c\u4f46\u89aa\u773c\u770b\u5230\u5b83\u5728\u5be6\u52d9\u4e0a\u7684\u61c9\u7528\u53c8\u662f\u53e6\u4e00\u56de\u4e8b\u3002\u900f\u904e\u5206\u6790\u4e0d\u540c\u623f\u7522\u985e\u578b\u7684\u5404\u7a2e\u4fdd\u96aa\u8cbb\u6a21\u64ec\uff0c\u60a8\u53ef\u4ee5\u89aa\u773c\u770b\u5230\u5f9e\u5730\u7406\u4f4d\u7f6e\u5230\u5b89\u5168\u7cfb\u7d71\u7b49\u5404\u500b\u56e0\u7d20\u5982\u4f55\u5f71\u97ff\u6700\u7d42\u6210\u672c\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u672c\u6587\u5c07\u70ba\u60a8\u4ecb\u7d39\u4e09\u500b\u4e0d\u540c\u7684\u4fdd\u8cbb\u6848\u4f8b\uff0c\u6bcf\u500b\u6848\u4f8b\u90fd\u6709\u5176\u7368\u7279\u7684\u7279\u9ede\uff0c\u4e26\u5c55\u793a\u4fdd\u8cbb\u7684\u8a08\u7b97\u65b9\u6cd5\u3002\u6211\u5011\u5c07\u91cd\u9ede\u4ecb\u7d39<\/span><a href=\"https:\/\/lngrisk.co.id\/\"> <b>L&amp;G\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8<\/b><\/a><span style=\"font-weight: 400;\"> \u53ef\u4ee5\u5e6b\u52a9\u60a8\u61c9\u5c0d\u5404\u7a2e\u60c5\u6cc1\uff0c\u4ee5\u7372\u5f97\u6700\u4f73\u7684\u8ca1\u7522\u4fdd\u96aa\u653f\u7b56\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u6848\u4f8b\u7814\u7a761\uff1a\u73fe\u4ee3\u4f4f\u5b85\u5c0f\u5340\u4e2d\u7684\u65b0\u4f4f\u5b85<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u6b64\u5834\u666f\u4ee3\u8868\u4e86\u6700\u5e38\u898b\u4e14\u98a8\u96aa\u76f8\u5c0d\u8f03\u4f4e\u7684\u60c5\u6cc1\u3002\u6b64\u5c6c\u6027\u53ef\u4f5c\u70ba\u8207\u66f4\u8907\u96dc\u60c5\u6cc1\u9032\u884c\u6bd4\u8f03\u7684\u7d55\u4f73\u57fa\u6e96\u3002<\/span><\/p>\n<h4><b>1. \u8a73\u7d30\u7684\u623f\u7522\u8cc7\u6599<\/b><\/h4>\n<ul>\n<li><b>\u985e\u578b\u548c\u5c3a\u5bf8\uff1a<\/b><span style=\"font-weight: 400;\">2\u5c64\u4f4f\u5b85\uff0c250\u5e73\u65b9\u516c\u5c3a\u3002<\/span><\/li>\n<li><b>\u5e74\u9f61\u548c\u72c0\u6cc1\uff1a<\/b><span style=\"font-weight: 400;\">\u65b0\u5efa\uff08\u5efa\u6210\u4e0d\u52305\u5e74\uff09\uff0c\u92fc\u7b4b\u6df7\u51dd\u571f\u53ca\u92fc\u6750\u7d50\u69cb\u3002\u623f\u5c4b\u72c0\u6cc1\u826f\u597d\uff0c\u914d\u5099\u7b26\u5408\u5370\u5c3c\u570b\u5bb6\u6a19\u6e96\uff08SNI\uff09\u7684\u5168\u65b0\u96fb\u6c23\u548c\u7ba1\u9053\u7cfb\u7d71\u3002<\/span><\/li>\n<li><b>\u5730\u9ede\uff1a<\/b><span style=\"font-weight: 400;\">\u8a72\u5730\u5340\u4f4d\u65bc\u57ce\u5e02\u90ca\u5340\u7684\u4e00\u500b\u73fe\u4ee3\u5316\u4f4f\u5b85\u5340\u5167\uff0c\u6392\u6c34\u7cfb\u7d71\u826f\u597d\uff0c\u6b77\u53f2\u4e0a\u5f9e\u672a\u767c\u751f\u904e\u6d2a\u6c34\u3001\u91cd\u5927\u5730\u9707\uff08\u4f4d\u65bc\u4f4e\u9707\u5340\uff09\u548c\u9a37\u4e82\u3002<\/span><\/li>\n<li><b>\u6295\u4fdd\u91d1\u984d\uff1a<\/b><span style=\"font-weight: 400;\">\u91cd\u5efa\u8cbb\u7528\uff08<\/span><i><span style=\"font-weight: 400;\">\u91cd\u7f6e\u6210\u672c\u50f9\u503c\u6216<\/span><\/i><span style=\"font-weight: 400;\">\u4f30\u8a08\u6bcf\u5e73\u65b9\u516c\u5c3a\u552e\u50f9\u70ba 800 \u842c\u5370\u5c3c\u76fe\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <b>\u7e3d RCV \u503c\uff1a<\/b><span style=\"font-weight: 400;\">250 \u5e73\u65b9\u516c\u5c3a x 8,000,000 \u5370\u5c3c\u76fe =<\/span><b>20\u5104\u5370\u5c3c\u76fe<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/p>\n<ul>\n<li><b>\u5b89\u5168\u529f\u80fd\uff1a<\/b><span style=\"font-weight: 400;\">\u914d\u5099\u8b66\u5831\u7cfb\u7d71\u3001\u7159\u9727\u5075\u6e2c\u5668\u3001\u4ee5\u53ca\u8207\u4f4f\u623f\u5b89\u5168\u5d17\u4ead\u76f8\u9023\u7684\u73fe\u4ee3\u8f15\u578b\u6ec5\u706b\u5668\uff08APAR\uff09\u7cfb\u7d71\u3002<\/span><\/li>\n<li><b>\u671f\u671b\u8986\u84cb\u7bc4\u570d\uff1a<\/b><span style=\"font-weight: 400;\">\u57fa\u672c\u5f48\u6027\u4fdd\u55ae\uff08FLEXAS\uff09\u6db5\u84cb\u706b\u707d\u3001\u7206\u70b8\u3001\u96f7\u64ca\u548c\u98db\u6a5f\u5931\u4e8b\u3002\u8eca\u4e3b\u9084\u5e0c\u671b\u7372\u5f97\u76dc\u7aca\u4ee5\u53ca\u9a37\u4e82\u3001\u5167\u4e82\u548c\u7834\u58de\uff08SRCC\uff09\u9020\u6210\u7684\u640d\u5bb3\u7684\u64f4\u5c55\u627f\u4fdd\u7bc4\u570d\uff08\u9644\u52a0\u96aa\uff09\u3002<\/span><\/li>\n<\/ul>\n<h4><b>2. \u6df1\u5165\u7684\u4fdd\u8cbb\u4f30\u7b97<\/b><\/h4>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u57fa\u672c\u4fdd\u8cbb\u7387\uff08\u5f48\u6027\uff09\uff1a<\/b><span style=\"font-weight: 400;\">\u57fa\u65bc\u6975\u4f4e\u7684\u98a8\u96aa\u72c0\u6cc1\uff0c\u706b\u707d\u98a8\u96aa\u7684\u57fa\u672c\u4fdd\u8cbb\u7387\u70ba<\/span><b>0.12%<\/b><span style=\"font-weight: 400;\">\u6b64\u8cbb\u7387\u7531\u91d1\u878d\u670d\u52d9\u7ba1\u7406\u5c40\uff08OJK\uff09\u8a2d\u5b9a\uff0c\u4f46\u4e0d\u540c\u4fdd\u96aa\u516c\u53f8\u7684\u8cbb\u7387\u53ef\u80fd\u6709\u6240\u4e0d\u540c\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u627f\u4fdd\u7bc4\u570d\u64f4\u5c55\u7387\uff08\u8a3b\u518a\uff09\uff1a<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u7aca\u76dc\u7387\uff1a<\/span><b>0.03%<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">SRCC\u8cbb\u7387\uff1a<\/span><b>0.05%<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u5730\u9707\u767c\u751f\u7387\uff1a\u5118\u7ba1\u4f4d\u65bc\u4f4e\u5730\u9707\u5e36\uff0c\u4f46\u5c4b\u4e3b\u6c7a\u5b9a\u4e0d\u8cb7\u9019\u68df\u623f\u5b50\u3002\u5982\u679c\u4ed6\u5011\u9078\u64c7\u8cb7\uff0c\u5730\u9707\u767c\u751f\u7387\u53ef\u80fd\u5728<\/span><b>0.10%<\/b><span style=\"font-weight: 400;\">\u5f9e\u4fdd\u96aa\u50f9\u503c\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u6d2a\u6c34\u8cbb\u7387\uff1a\u7531\u65bc\u8a72\u623f\u7522\u4e0d\u5728\u6d2a\u6c34\u6613\u767c\u5730\u5340\uff0c\u56e0\u6b64\u6d2a\u6c34\u8cbb\u7387\u975e\u5e38\u4f4e\uff0c\u7d04<\/span><b>0.01%<\/b><span style=\"font-weight: 400;\">\uff0c\u4f46\u4e3b\u4eba\u4e5f\u9078\u64c7\u4e0d\u6dfb\u52a0\u5b83\u3002<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u7e3d\u4fdd\u8cbb\u7387\uff1a<\/b><span style=\"font-weight: 400;\">0.12% + 0.03% + 0.05% =<\/span><b>0.20%<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u6bdb\u4fdd\u8cbb\u8a08\u7b97\uff1a<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u6bdb\u4fdd\u8cbb=\u4fdd\u96aa\u91d1\u984dx\u7e3d\u8cbb\u7387<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u6bdb\u4fdd\u8cbb = Rp 2,000,000,000 x 0.20% =<\/span><b>4,000,000\u5370\u5c3c\u76fe<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u65b0\u589e\u8cbb\u7528\uff1a<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u5370\u82b1\u7a05\uff1a12,000 \u5370\u5c3c\u76fe\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u4fdd\u55ae\u8cbb\u7528\uff1a100,000 \u5370\u5c3c\u76fe\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u5176\u4ed6\uff1aRp 15.000<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u5e74\u5ea6\u4fdd\u8cbb\u7e3d\u984d\uff1a<\/b><span style=\"font-weight: 400;\">4,000,000 \u5370\u5c3c\u76fe + 12,000 \u5370\u5c3c\u76fe + 100,000 \u5370\u5c3c\u76fe + 15,000 \u5370\u5c3c\u76fe =<\/span><b>4,127,000\u5370\u5c3c\u76fe<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/li>\n<\/ol>\n<h4><b>3. \u6df1\u5165\u5206\u6790\u8207\u7bc0\u7701\u6a5f\u6703<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">\u8a72\u623f\u7522\u7684\u4fdd\u8cbb\u76f8\u5c0d\u5be6\u60e0\u3002\u5b89\u4fdd\u8a2d\u65bd\u7684\u6298\u6263\u4e5f\u5e36\u4f86\u4e86\u53ef\u89c0\u7684\u7bc0\u7701\u3002\u5982\u679c\u6c92\u6709\u5c08\u5bb6\u7684\u5e6b\u52a9\uff0c\u696d\u4e3b\u53ef\u80fd\u4e0d\u6703\u610f\u8b58\u5230\u5728\u5176\u4ed6\u60c5\u6cc1\u4e0b\u4fdd\u8cbb\u53ef\u80fd\u6703\u66f4\u4f4e\uff1a<\/span><\/p>\n<ul>\n<li><b>\u63d0\u9ad8\u514d\u8ce0\u984d\uff08\u81ea\u8eab\u98a8\u96aa\uff09\uff1a<\/b><span style=\"font-weight: 400;\">\u5982\u679c\u8eca\u4e3b\u9858\u610f\u627f\u64d4\u66f4\u9ad8\u7684\u514d\u8ce0\u984d\uff08\u4f8b\u5982\uff0c100\u842c\u5370\u5c3c\u76fe\u800c\u4e0d\u662f\u6a19\u6e96\u768450\u842c\u5370\u5c3c\u76fe\uff09\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u6703\u63d0\u4f9b\u9ad8\u9054\u6bdb\u4fdd\u8cbb5%\u7684\u984d\u5916\u6298\u6263\u3002<\/span><\/li>\n<li><b>\u984d\u5916\u7684\u500b\u4eba\u7269\u54c1\u4fdd\u96aa\uff1a<\/b><span style=\"font-weight: 400;\">\u5982\u679c\u696d\u4e3b\u5bb6\u4e2d\u6709\u8cb4\u91cd\u7269\u54c1\uff0c\u53ef\u4ee5\u6dfb\u52a0\u500b\u4eba\u7269\u54c1\u4fdd\u96aa\uff08<\/span><i><span style=\"font-weight: 400;\">\u500b\u4eba\u7269\u54c1<\/span><\/i><span style=\"font-weight: 400;\">) \u7684\u984d\u5916\u8cbb\u7528\u7d04\u70ba 0.02%\uff0c\u9019\u6703\u589e\u52a0\u4fdd\u8cbb\uff0c\u4f46\u6703\u63d0\u4f9b\u66f4\u5168\u9762\u7684\u4fdd\u969c\u3002<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">\u6848\u4f8b\u7814\u7a762\uff1a\u5546\u696d\u4e2d\u5fc3\u7684Ruko\uff08\u5e97\u5c4b\uff09<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u9019\u7a2e\u60c5\u6cc1\u8868\u660e\uff0c\u5546\u696d\u7528\u9014\u3001\u5bc6\u96c6\u5730\u9ede\u548c\u71df\u904b\u98a8\u96aa\u6703\u5927\u5e45\u589e\u52a0\u4fdd\u8cbb\u3002<\/span><\/p>\n<h4><b>1. \u7269\u696d\u6982\u6cc1\u53ca\u5546\u696d\u98a8\u96aa\u5206\u6790<\/b><\/h4>\n<ul>\n<li><b>\u985e\u578b\u548c\u5c3a\u5bf8\uff1a<\/b><span style=\"font-weight: 400;\">\u4e00\u68df\u4e09\u5c64\u5e97\u5c4b\uff0c\u5efa\u7bc9\u9762\u7a4d350\u5e73\u65b9\u516c\u5c3a\u3002\u9802\u6a13\u70ba\u8fa6\u516c\u5ba4\uff0c\u5e95\u6a13\u70ba\u5496\u5561\u5ef3\u3002<\/span><\/li>\n<li><b>\u5730\u9ede\uff1a<\/b><span style=\"font-weight: 400;\">\u98ef\u5e97\u4f4d\u65bc\u7e41\u5fd9\u7684\u5546\u696d\u5340\uff0c\u8a72\u5730\u5340\u66fe\u56e0\u66b4\u96e8\u800c\u767c\u751f\u5167\u6f87\uff0c\u4e26\u767c\u751f\u904e\u6578\u8d77\u5c0f\u898f\u6a21\u9a37\u4e82\u3002<\/span><\/li>\n<li><b>\u4fdd\u96aa\u50f9\u503c\uff08RCV\uff09\uff1a<\/b><span style=\"font-weight: 400;\">\u91cd\u5efa\u6210\u672c\u70ba\u6bcf\u5e73\u65b9\u516c\u5c3a900\u842c\u5370\u5c3c\u76fe\u3002\u7e3d\u8a08\uff1a350\u5e73\u65b9\u516c\u5c3a x 900\u842c\u5370\u5c3c\u76fe =<\/span><b>3,150,000,000\u5370\u5c3c\u76fe<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/li>\n<li><b>\u984d\u5916\u98a8\u96aa\uff1a<\/b><span style=\"font-weight: 400;\">\u6709\u8d77\u706b\u7684\u708a\u5177\u3001\u5bf6\u8cb4\u7684\u96fb\u8166\u4f3a\u670d\u5668\u4ee5\u53ca\u696d\u52d9\u4e2d\u65b7\u7684\u98a8\u96aa\u3002<\/span><\/li>\n<\/ul>\n<h4><b>2. \u8907\u96dc\u4fdd\u8cbb\u8a08\u7b97\u4f30\u7b97<\/b><\/h4>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u57fa\u672c\u4fdd\u8cbb\u7387\uff08\u5546\u696d\u8907\u96dc\u6027\uff09\uff1a<\/b><span style=\"font-weight: 400;\">\u7531\u65bc\u71df\u904b\u98a8\u96aa\u8f03\u9ad8\uff0c\u5546\u696d\u4e0d\u52d5\u7522\u7684\u57fa\u6e96\u5229\u7387\u9ad8\u65bc\u4f4f\u5b85\uff0c\u7d04<\/span><b>0.18%<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u627f\u4fdd\u7bc4\u570d\u64f4\u5c55\u7387\uff08\u8a3b\u518a\uff09\uff1a<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u6d2a\u6c34\u7387\uff1a<\/span><b>0.07%<\/b><span style=\"font-weight: 400;\">\uff08\u7531\u65bc\u5730\u8655\u6d2a\u6c34\u6613\u767c\u5730\u5340\uff0c\u56e0\u6b64\u50f9\u683c\u8f03\u9ad8\uff09\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u5730\u9707\u767c\u751f\u7387\uff1a<\/span><b>0.10%<\/b><span style=\"font-weight: 400;\">\uff08\u4f4d\u65bc\u8f15\u9707\u5340\uff09\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u52a0\u6025\u8cbb\u7387\uff1a<\/span><b>0.05%<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u696d\u52d9\u4e2d\u65b7\u7387\uff1a<\/span><b>0.04%<\/b><span style=\"font-weight: 400;\">\uff08\u57fa\u65bc\u4f30\u8a08\u7684\u6bcf\u65e5\u5496\u5561\u9928\u71df\u696d\u984d\uff09\u3002<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u7e3d\u4fdd\u8cbb\u7387\uff1a<\/b><span style=\"font-weight: 400;\">0.18% + 0.07% + 0.10% + 0.05% + 0.04% =<\/span><b>0.44%<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u4fdd\u8cbb\u8a08\u7b97\uff1a<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u6bdb\u4fdd\u8cbb = Rp 3,150,000,000 x 0.44% =<\/span><b>13,860,000\u5370\u5c3c\u76fe<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u65b0\u589e\u8cbb\u7528\uff1a<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u5370\u82b1\u7a05\uff1a12,000 \u5370\u5c3c\u76fe\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u4fdd\u55ae\u8cbb\u7528\uff1a100,000 \u5370\u5c3c\u76fe\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u5176\u4ed6\uff1aRp 15,000\u3002<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u5e74\u5ea6\u4fdd\u8cbb\u7e3d\u984d\uff1a<\/b><span style=\"font-weight: 400;\">RP\u3002 13,860,000 + \u76e7\u6bd4\u3002 12,000+\u76e7\u6bd4\u3002 100,000+\u76e7\u6bd4\u3002 15,000 =<\/span><b>13,987,000\u5370\u5c3c\u76fe<\/b><span style=\"font-weight: 400;\">\u3002<\/span><\/li>\n<\/ol>\n<h4><b>3. \u9ad8\u968e\u98a8\u96aa\u5206\u6790\u8207\u8ac7\u5224<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">\u7531\u65bc\u98a8\u96aa\u7a0b\u5ea6\u66f4\u8907\u96dc\u3001\u627f\u4fdd\u7bc4\u570d\u66f4\u5ee3\uff0c\u5e97\u5c4b\u7684\u4fdd\u8cbb\u6bd4\u4f4f\u5b85\u9ad8\u51fa\u8a31\u591a\u3002\u5982\u679c\u6c92\u6709\u63f4\u52a9<\/span><b>L&amp;G\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8<\/b><span style=\"font-weight: 400;\">\u8239\u6771\u53ef\u80fd\u96e3\u4ee5\u78ba\u5b9a\u78ba\u5207\u7684\u904b\u8cbb\u3002\u7d93\u7d00\u4eba\u5c07\u63d0\u4f9b\u4ee5\u4e0b\u5e6b\u52a9\uff1a<\/span><\/p>\n<ul>\n<li><b>\u64cd\u4f5c\u98a8\u96aa\u8a55\u4f30\uff1a<\/b><span style=\"font-weight: 400;\">\u4ed6\u5011\u5c07\u5e6b\u52a9\u696d\u4e3b\u5f37\u8abf\u98a8\u96aa\u7de9\u89e3\u63aa\u65bd\uff0c\u4f8b\u5982\u5728\u5496\u5561\u9928\u5eda\u623f\u5b89\u88dd\u6ec5\u706b\u5668\u7cfb\u7d71\u6216\u5c07\u8cb4\u91cd\u7269\u54c1\u5b58\u653e\u5728\u4fdd\u96aa\u7bb1\u4e2d\u4ee5\u7372\u5f97\u66f4\u512a\u60e0\u7684\u50f9\u683c\u3002<\/span><\/li>\n<li><b>\u4f01\u696d\u4f30\u503c\uff1a<\/b><span style=\"font-weight: 400;\">\u7d93\u7d00\u4eba\u5c07\u8207\u4fdd\u96aa\u516c\u53f8\u4e92\u52d5\uff0c\u4ee5\u78ba\u4fdd\u696d\u52d9\u4e2d\u65b7\u640d\u5931\u4f30\u8a08\u6e96\u78ba\u4e14\u516c\u5e73\u3002<\/span><\/li>\n<li><b>\u6bd4\u8f03\u512a\u60e0\uff1a<\/b><span style=\"font-weight: 400;\">\u7d93\u7d00\u4eba\u6703\u6bd4\u8f03\u5404\u5bb6\u5c08\u9580\u5f9e\u4e8b\u5546\u696d\u4fdd\u96aa\u7684\u516c\u53f8\u7684\u5831\u50f9\uff0c\u4ee5\u78ba\u4fdd\u696d\u4e3b\u7372\u5f97\u6700\u4f73\u4fdd\u969c\u3002<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">\u6848\u4f8b\u7814\u7a763\uff1a\u5927\u578b\u5de5\u696d\u5009\u5eab<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u9019\u7a2e\u60c5\u6cc1\u8868\u660e\uff0c\u5927\u578b\u8ca1\u7522\u9700\u8981\u5c08\u696d\u77e5\u8b58\u548c\u6df1\u5165\u7684\u98a8\u96aa\u8a55\u4f30\u3002<\/span><\/p>\n<h4><b>1. \u623f\u7522\u6982\u6cc1\u8207\u98a8\u96aa\u8907\u96dc\u6027<\/b><\/h4>\n<ul>\n<li><b>\u985e\u578b\u548c\u5c3a\u5bf8\uff1a<\/b><span style=\"font-weight: 400;\">\u5de5\u696d\u5340\u5167\u6709 5,000 \u5e73\u65b9\u516c\u5c3a\u7684\u5009\u5132\u5009\u5eab\u3002<\/span><\/li>\n<li><b>\u4fdd\u96aa\u50f9\u503c\uff1a<\/b> <b>200\u5104\u5370\u5c3c\u76fe<\/b><span style=\"font-weight: 400;\">\uff08\u5305\u62ec\u5efa\u7bc9\u7269\u548c\u5eab\u5b58\u50f9\u503c\uff09\u3002<\/span><\/li>\n<li><b>\u7279\u6b8a\u98a8\u96aa\uff1a<\/b><span style=\"font-weight: 400;\">\u5132\u5b58\u6613\u71c3\u7269\u54c1\uff0c24\u5c0f\u6642\u904b\u71df\uff0c\u4e26\u4e14\u7d93\u5e38\u906d\u9047\u8eca\u8f1b\u4ea4\u901a\u7e41\u5fd9\u3002<\/span><\/li>\n<li><b>\u4fdd\u8b77\u7cfb\u7d71\uff1a<\/b><span style=\"font-weight: 400;\">\u5b83\u6709\u7051\u6c34\u7cfb\u7d71\u3001\u6d88\u9632\u6813\u548c 24 \u5c0f\u6642\u4fdd\u5168\u3002<\/span><\/li>\n<\/ul>\n<h4><b>2. \u975e\u5e38\u8907\u96dc\u7684\u4fdd\u8cbb\u6d41\u7a0b\u8207\u8a08\u7b97<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">\u5c0d\u65bc\u50cf\u9019\u6a23\u7684\u5927\u578b\u7269\u696d\uff0c\u4fdd\u8cbb\u8a08\u7b97\u4e0d\u518d\u80fd\u7528\u7c21\u55ae\u7684\u516c\u5f0f\u4f86\u8a08\u7b97\u3002\u5b83\u6d89\u53ca\u4e00\u500b\u53eb\u505a<\/span><i><span style=\"font-weight: 400;\">\u627f\u4fdd<\/span><\/i><span style=\"font-weight: 400;\"> \u548c<\/span><i><span style=\"font-weight: 400;\">\u98a8\u96aa\u8abf\u67e5<\/span><\/i><span style=\"font-weight: 400;\">\u7531\u4fdd\u96aa\u516c\u53f8\u7684\u5c08\u5bb6\u5718\u968a\u9032\u884c\u3002<\/span><\/p>\n<ul>\n<li><b>\u6b65\u9a5f\u4e00\uff1a\u6d3e\u9063\u5c08\u5bb6\u5c0f\u7d44\uff08<\/b><b><i>\u98a8\u96aa\u5de5\u7a0b\u5e2b<\/i><\/b><b>):<\/b><span style=\"font-weight: 400;\">\u4fdd\u96aa\u516c\u53f8\u5c07\u767c\u9001\u98a8\u96aa<\/span><i><span style=\"font-weight: 400;\">\u5de5\u7a0b\u5e2b<\/span><\/i><span style=\"font-weight: 400;\">\u9032\u884c\u6df1\u5165\u7684\u9ad4\u683c\u6aa2\u67e5\u3002\u4ed6\u5011\u5c07\u8a55\u4f30\uff1a<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u73fe\u6709\u7684\u6d88\u9632\u7cfb\u7d71\uff08\u7051\u6c34\u982d\u3001\u6d88\u9632\u6813\u3001\u8b66\u5831\u5668\uff09\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u5132\u5b58\u7684\u6750\u6599\u985e\u578b\u4ee5\u53ca\u5132\u5b58\u65b9\u5f0f\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u5009\u5eab\u4f48\u5c40\uff0c\u5305\u62ec\u6d88\u9632\u54e1\u901a\u9053\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25cb<\/span><span style=\"font-weight: 400;\">\u00a0 <\/span> <span style=\"font-weight: 400;\">\u7dca\u6025\u7a0b\u5e8f\u548c\u54e1\u5de5\u8a13\u7df4\u3002<\/span><\/p>\n<ul>\n<li><b>\u7b2c\u4e8c\u6b65\uff1a\u57fa\u65bc\u98a8\u96aa\u7684\u5229\u7387\u6c7a\u5b9a\uff1a<\/b><span style=\"font-weight: 400;\">\u8abf\u67e5\u7d50\u675f\u5f8c\uff0c\u5718\u968a<\/span><i><span style=\"font-weight: 400;\">\u627f\u4fdd<\/span><\/i><span style=\"font-weight: 400;\">\u5c07\u6c7a\u5b9a\u975e\u5e38\u5177\u9ad4\u7684\u4fdd\u8cbb\u7387\u3002\u4f8b\u5982\uff0c\u7531\u65bc\u7051\u6c34\u7cfb\u7d71\u8f03\u70ba\u5b8c\u5584\uff0c\u57fa\u6e96\u8cbb\u7387\u53ef\u80fd\u50c5\u70ba0.15%\uff0c\u4f46\u5982\u679c\u767c\u73fe\u7279\u5b9a\u98a8\u96aa\uff0c\u4f8b\u5982\u6ec5\u706b\u5668\u7dad\u8b77\u4e0d\u8db3\uff0c\u5247\u8cbb\u7387\u53ef\u80fd\u6703\u63d0\u9ad8\u3002<\/span><\/li>\n<li><b>\u6b65\u9a5f3\uff1a\u8907\u96dc\u4fdd\u8cbb\u8a08\u7b97\uff1a<\/b><span style=\"font-weight: 400;\">\u6700\u7d42\u4fdd\u8cbb\u662f\u6839\u64da\u98a8\u96aa\u7387\u3001\u6295\u4fdd\u91d1\u984d\u4ee5\u53ca\u518d\u4fdd\u96aa\uff08\u4fdd\u96aa\u516c\u53f8\u7684\u4fdd\u96aa\uff09\u7b49\u5176\u4ed6\u56e0\u7d20\u7d9c\u5408\u8a08\u7b97\u5f97\u51fa\u7684\uff0c\u4fdd\u8cbb\u6bcf\u5e74\u53ef\u9054\u6578\u5343\u842c\u81f3\u6578\u5104\u5370\u5c3c\u76fe\u3002<\/span><\/li>\n<li><b>\u6b65\u9a5f 4\uff1a\u8ac7\u5224\u8207\u6700\u7d42\u78ba\u5b9a\uff1a<\/b><span style=\"font-weight: 400;\">\u9019\u5c31\u662f\u89d2\u8272<\/span><b>L&amp;G\u4fdd\u96aa\u7d93\u7d00\u4eba<\/b><span style=\"font-weight: 400;\">\u8b8a\u5f97\u975e\u5e38\u91cd\u8981\u3002\u7d93\u7d00\u4eba\u6703\u5354\u5546\u6700\u4f73\u5229\u7387\uff0c\u4e26\u78ba\u4fdd\u6240\u6709\u98a8\u96aa\u90fd\u5f97\u5230\u9069\u7576\u8a55\u4f30\u3002<\/span><\/li>\n<\/ul>\n<h4><b>3.\u5206\u6790<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">\u5728\u9019\u7a2e\u60c5\u6cc1\u4e0b\uff0cL&amp;G\u4fdd\u96aa\u7d93\u7d00\u4eba\u7684\u5354\u52a9\u81f3\u95dc\u91cd\u8981\u3002\u4ed6\u5011\u5c07\uff1a<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">\u4ee3\u8868\u60a8\u8207\u5718\u968a\u9032\u884c\u8907\u96dc\u7684\u8ac7\u5224\u904e\u7a0b<\/span><i><span style=\"font-weight: 400;\">\u627f\u4fdd<\/span><\/i><span style=\"font-weight: 400;\">\u4fdd\u96aa\u516c\u53f8\u3002<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u78ba\u4fdd\u60a8\u7684\u98a8\u96aa\u8abf\u67e5\u5831\u544a\u6e96\u78ba\u5448\u73fe\uff0c\u4ee5\u7372\u5f97\u6700\u4f73\u8cbb\u7387\u3002<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u6bd4\u8f03\u4e0d\u540c\u5c08\u9580\u5f9e\u4e8b\u5de5\u696d\u4fdd\u96aa\u7684\u516c\u53f8\u63d0\u4f9b\u7684\u5831\u50f9\uff0c\u4ee5\u627e\u5230\u7406\u60f3\u7684\u8ca1\u7522\u4fdd\u96aa\u653f\u7b56\u3002<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">L&amp;G\u4fdd\u96aa\u7d93\u7d00\u4eba\u7684\u95dc\u9375\u4f5c\u7528<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u9019\u4e09\u8005\u4e2d<\/span><b>\u4fdd\u96aa\u8cbb\u6a21\u64ec<\/b><span style=\"font-weight: 400;\">\u5982\u4e0a\u6240\u793a\uff0c\u6bcf\u500b\u623f\u7522\u90fd\u6709\u5176\u7368\u7279\u7684\u98a8\u96aa\u72c0\u6cc1\u548c\u4fdd\u96aa\u9700\u6c42\u3002\u4e86\u89e3\u5f71\u97ff\u9019\u4e9b\u56e0\u7d20\u662f\u7b2c\u4e00\u6b65\uff0c\u4f46\u8981\u7372\u5f97\u6e96\u78ba\u4e14\u5168\u9762\u7684\u6a21\u64ec\u7d50\u679c\uff0c\u5247\u9700\u8981\u5c08\u5bb6\u7684\u5354\u52a9\u3002<\/span><\/p>\n<p><a href=\"https:\/\/lngrisk.co.id\/\"><b>L&amp;G\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8<\/b><\/a><span style=\"font-weight: 400;\"> \u662f\u5b8c\u6210\u9019\u9805\u4efb\u52d9\u7684\u7406\u60f3\u5925\u4f34\u3002\u4ed6\u5011\u5c07\u7c21\u5316\u8907\u96dc\u7684\u6d41\u7a0b\uff0c\u78ba\u4fdd\u60a8\u7372\u5f97\u7406\u60f3\u7684\u8ca1\u7522\u4fdd\u96aa\u55ae\uff0c\u6700\u91cd\u8981\u7684\u662f\uff0c\u4ee5\u5408\u7406\u7684\u6210\u672c\u4fdd\u8b49\u6700\u5927\u7a0b\u5ea6\u7684\u8cc7\u7522\u4fdd\u8b77\u3002\u6b61\u8fce\u96a8\u6642\u806f\u7d61 L&amp;G 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[&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":7843,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[247,250],"class_list":{"0":"post-7842","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-asuransi-properti","8":"tag-asuransi-properti","9":"tag-asuransi-property-all-risk"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/posts\/7842","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/comments?post=7842"}],"version-history":[{"count":2,"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/posts\/7842\/revisions"}],"predecessor-version":[{"id":7855,"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/posts\/7842\/revisions\/7855"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/media\/7843"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/media?parent=7842"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/categories?post=7842"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/zh\/wp-json\/wp\/v2\/tags?post=7842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}