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"Jumlah tenaga kerja informal lebih banyak dibandingkan dengan tenaga kerja formal di Indonesia. Cakupan kepemilikan jaminan kecelakaan kerja masih sangat rendah sedangkan angka kecelakaan kerja masih cenderung tinggi. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang berhubungan dengan kepemilikan jaminan kecelakaan kerja pada tenaga kerja informal di Indonesia. Variabel yang diamati yaitu, wilayah, umur, jenis kelamin, status pernikahan, status kesehatan, pendidikan, tingkat resiko pekerjaan, lama bekerja, Kepemilikan JKN, rawat jalan dan pendapatan tenaga kerja informal. Data yang digunakan adalah Data Susenas (Survei Sosial Ekonomi Nasional) tahun 2017 diolah menggunakan stata dengan uji logit serta dianalisis dengan pendekatan model ekonometri.Hasil penelitian dengan p value <0,05 menunjukkan adanya hubungan antara wilayah, umur, jenis kelamin, status kesehatan, pendidikan, tingkat resiko pekerjaan, Kepemilikan JKN, dan pendapatan tenaga kerja informal terhadap kepemilikan jaminan kecelakaan kerja di Indonesia. Sedangkan variabel umur, status pernikahan, rawat jalan tidak berhubungan secara statistik dengan kepemilikan JKK. Nilai Ods Ratio (OR) tertinggi antara lain variabel pendapatan (OR 6,37), pendidikan tinggi (OR 2,99) dan kepemilikan JKN (OR 2,44) sedangkan yang terendah adalah variabel jenis kelamin (0,71).

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The number of informal workers is more than the formal workforce in Indonesia. The coverage of employment accident insurance coverage is still very low while the work accident rate still tends to be high. This study aims to determine the faktors associated with the ownership of employment accident insurance in informal workers in Indonesia. The variables observed were, area, age, sex, marital status, health status, education, occupational risk level, length of employment, JKN ownership, outpatient care and informal labor income. The data used is Susenas Data (National Socio-Economic Survey) in 2017 processed using statistic with logit test and analyzed by econometric model approach.The results of the study with p value <0.05 indicate the relationship between region, age, sex, health status, education, level of occupational risk, JKN ownership, and informal labor income towards job security insurance ownership in Indonesia. While the variables of age, marital status, outpatient care were not statistically related to JKK ownership. The highest Ods Ratio (OR) scores included income variables (OR 6.37), higher education (OR 2.99) and JKN ownership (OR 2.44) while the lowest was the sex variable (0.71)."

"Penelitian ini dilatarbelakangi oleh kenyataan bahwa underwriting merupakan departemen operasional di PT. Prudential BancBali Life Assurance (PTPBBL) yang harus dapat memberikan pelayanan yang cepat dan tepat agar tujuan pelayanan underwriting dapat tercapai dan sekaligus memberikan kepuasan kepada calon tertanggung atau agen yang bersangkutan sebagai konsumen.Dari analisa situasi di Departemen underwriting PT.Prudential BancBali Life Asurance ditentukan bahwa waktu proses underwriting proposal pengajuan asuransi jiwa calon tertanggung dipengaruhi oleh beberapa aspek.Tujuan penelitian ini adalah menganalisis proses underwriting (seleksi risiko) atas proposal pengajuan asuransi jiwa calon tertanggung, termasuk di dalamnya menghitung waktu pelayanannya.Jenis penelitian ini merupakan studi kasus dengan pendekatan kualitatif. Data diperoleh dari data sekunder berupa hasil survei, sedangkan data mengenai waktu proses underwriting diperoleh dengan melakukan observasi dan pencatatan waktu proses underwriting mulai tahap inisial underwriting sampai penetapan keputusan.Hasil penelitian menunjukkan bahwa proses underwriting proposal asuransi jiwa calon tertanggung mela]ui beberapa tahap yaitu: inisial underwriting, underwrite clean proposal. underwrite not clean/uncomplete proposal, permintaan data tambahan, input data kedalam system dan sebagainya.Penelitian ini juga menghasilkan suatu gambaran efektifitas proses undentiwriting dengan dilakukannya pemeriksaan kesehatan di Inhouse clinic PT.PBBL yang segera didirikan.Efektifitas proses underwriting tersebut disebabkan oleh adanya pemenggalan proses pemeriksaan kesehatan calon nasabah pada tahap pengiriman hasil pemeriksaan dari panel Medical check-up PT.PBBL.

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Analysis of Risk Selection Process of the life insurance proposal at PT.Prudential BancBali Life AssuranceThe background of the research was the fact that underwriting is an operation department al PT. PT.Prudential BancBali Life Assurance (PTPBBL) which has to be able to respond quickly and effectively in order achieve the goal of underwriting service. And at the same moment to deliver Customer Satisfaction.From the situational analysis at Underwriting Department at PTPBBL it had been found that underwriting proposal process time was influence by several aspects.Therefore the purpose of this research was to analyze underwriting process for Life Insurance proposal which included the measurement of process service time.This type of research study was a qualitative approach. Data and information regarding the service process obtained from Customer Service survey result secondary data, while data regarding service time was gained from recording and calculating the time taken starting from initial underwriting proposal submitted until decision taken.The result from the research showed that underwriting process was trough several stages of services such as initial underwriting underwrite clean proposal, input requirement to the system, etc.This research also showed a picture of underwriting process effectiveness with client Medical check-up taken at In house clinic PT.PBBL.The effectiveness of underwriting process was achieved by limited one step of the medical check-up process which is medical check-up result delivery from the Medical check-up panel."