The purpose of this study is to calculate premiums for sickness insurance using Helligman Pollard's law of mortality. This research will focus on Medical Reimburstment Premium and Daily Benefit Premiums. Data on the size of claims, z (frequency of claims per individual) and d (duration of claims) where z has a Poisson distribution (0.8) and claims size is lognormally distributed (1,5,1). The premium calculation will be aggregated for 5 years and starting from the age of 15 years to 70 years. The premium for daily benefits is higher than the premium for medical reimbursement for all ages. The lowest premium is premium for 25-30 years old, which is 8.518657957 for medical reimbursement premium and 41.79084811 for daily benefit premium, while the highest premium is for 65-70 years old, which is 114.2254996 for medical reimbursement premium and 258.6346296 for daily benefit premiums. Keywords : Sickness Insurance, Premium, Medical Reimburstment, Daily Benefit
Mamaca traditional performing art is an essential intangible asset for the people of Madura and Indonesia. Mamaca in Madurese language means reading. Contextually, it means reading verses from particular texts. Its diversity and uniqueness are not only known by Indonesian, but also worldwide people. Its paramount role in the life of Mamaca-supporting community is undeniable as the songs and notations generated while performing is not only functioned as performing, but also efforts to establish Madurese moral values. Unfortunately, the local people, especially younger generation currently have started to abandon this traditional art. It leads to a worrisome position of Mamaca existing in Pamekasan Regency, Madura Island. Considering that this traditional performing art emphasizes the nobility of values and norms in its form and implementation and its capability of strengthening the Indonesian character and the harmony of social life, Mamaca is urgently required to be preserved and developed in accordance to the fervor of nowadays era. The performers take turns reading and singing the verses containing some epics of Mahabharata, Ramayana, stories of Islamic Prophets, and values of benevolence regarding wisdom teachings. This research is a model for the conservation and development of noble cultural values that involves active supporting elements of Mamaca, relevant government, academics, industries or sponsors, and the role of the media.ABSTRAKModel Konservasi dan Pengembangan Mamaca di Pamekasan Madura. Seni pertunjukan tradisi Mamaca merupakan aset non bendawi yang penting bagi masyarakat di Madura dan bangsa Indonesia. Mamaca dalam bahasa Madura berarti membaca. Dalam penelitian ini, Mamaca yang dimaksud adalah tradisi membaca syair-syair dari naskah tertentu. Keanekaragaman dan keunikannya tidak hanya dikenal oleh bangsa Indonesia sendiri, tetapi juga sudah secara luas. Peran pentingnya Mamaca di dalam kehidupan masyarakat penyelenggaranya tidak dapat terbantahkan karena lagu-lagu yang dilantunkan serta notasi yang dimainkan tidak hanya berfungsi sebagai hiburan, namun sebuah upaya untuk menanamkan nilai moral. Sayangnya, Mamaca kini mulai ditinggalkan, terutama oleh generasi muda setempat. Oleh karena itu, seni Mamaca yang hidup di wilayah Kabupaten Pamekasan Pulau Madura dipandang penting dilestarikan dan dikembangkan sesuai zamannya. Mengingat bahwa seni pertunjukan tradisi yang berdasarkan pada pemanfaatan musik internal ini mengutamakan keluhuran nilai dan norma di dalam wujud dan penyelenggaraannya, Mamaca dipandang mampu menguatkan karakter bangsa dan harmoni kehidupan sosial. Para pelakunya secara bergantian membaca dan melagukan syair-syair yang memuat sebagian wiracarita Mahabharata, Ramayana, dan kisah para Nabi dalam agama Islam serta menyampaikan norma dan nilai kebaikan mengenai ajaran kebijaksanaan. Kajian ini merupakan model pelestarian dan pengembangan nilai-nilai budaya adiluhur yang melibatkan unsur penyangga aktif Mamaca, pemerintah terkait, akademisi, pihak industri atau sponsor, dan peran media.
In this paper, we will explain critical illness insurance calculations with stochastic interest rates. The survival model is multiple states, while the interest rate is the Cox-Ingersoll-Ross stochastic interest rate model. In determining the survival model, we use the prevalence and mortality rates of certain critical diseases, such as neoplasms, endocrine diseases, and diseases of the digestive system. Furthermore, the Monte Carlo simulation will be used to simulate the possibility of interest rate pathways in determining critical illness insurance premiums.
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