{"id":8822,"date":"2025-10-28T13:23:08","date_gmt":"2025-10-28T06:23:08","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8822"},"modified":"2025-10-28T13:23:08","modified_gmt":"2025-10-28T06:23:08","slug":"jangan-biarkan-klaim-asuransi-anda-gagal-pengusaha-asal-china-harus-gunakan-broker-resmi-ojk-sekarang","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/jangan-biarkan-klaim-asuransi-anda-gagal-pengusaha-asal-china-harus-gunakan-broker-resmi-ojk-sekarang\/","title":{"rendered":"Don’t Let Your Insurance Claim Fail! Chinese Entrepreneurs Must Use OJK-Registered Brokers Now"},"content":{"rendered":"

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Insurance Claims Issues for Chinese Entrepreneurs in Indonesia<\/span><\/h3>\n

Many Chinese entrepreneurs investing in Indonesia face serious insurance challenges. Claims that should be paid are often delayed or even rejected. Insurance coverage is limited, claims processing is slow, and insurance company service is often disappointing.<\/span><\/p>\n

Chinese entrepreneurs often compare this experience to the insurance process in their country, which is much faster, more transparent, and more responsive. They often feel frustration because the Indonesian insurance system is different, with more complex bureaucracy and rules that must be followed.<\/span><\/p>\n

Real example:<\/span><\/p>\n

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  1. A Chinese businessman had a USD 5 million construction project in Central Java. Heavy equipment was damaged by a natural disaster. The claim, submitted through a local agent, was rejected as “not covered by the standard policy.” Without the assistance of a licensed broker, the businessman was solely responsible for the loss, potentially disrupting cash flow and the project’s sustainability.<\/span><\/li>\n
  2. In the logistics sector, a Chinese businessman who lost $1 million worth of cargo was unable to obtain reimbursement through an agent due to flawed claims procedures. A licensed broker successfully settled the claim in full, saving the company’s capital and reputation.<\/span><\/li>\n<\/ol>\n

    This situation gives rise tofrustrationThis can pose serious financial risks. The solution is to use an official insurance broker registered with the OJK, such as L&G Insurance Broker, who defends the insured’s interests and ensures claims are settled in a timely manner.<\/span><\/p>\n

    The Difference Between Insurance Agents and Brokers for Chinese Entrepreneurs<\/span><\/h3>\n

    Many Chinese entrepreneurs still rely on local agents or acquaintances to arrange insurance. However, there are fundamental differences:<\/span><\/p>\n

    Insurance Agent:<\/span><\/p>\n