Pemodelan dan Perhitungan Premi Asuransi Keamanan Siber dengan Model Non-Markov

The development of information and communication technology not only has positive impacts, but also negative especially in the cybersecurity sector. Insurance companies need to create a relatively new insurance product, namely insurance. However, still needs further investigation because there is no standard actuarial table like mortality life This article will discuss modeling infection recovery process node various other connected nodes computer network company using non-Markov model case absence dependence between risks, applying Monte Carlo simulation method obtain experimental data with distributions – Weibull, Lognormal, Inverse Gaussian for calculation premium charged by insured interested purchasing products. Standard deviation principle exponential utility are used calculate premium. We concluded that time long-tailed distribution lower price compared those short-tailed distribution.