{"id":9490,"date":"2026-01-28T10:43:30","date_gmt":"2026-01-28T03:43:30","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9490"},"modified":"2026-01-28T10:43:30","modified_gmt":"2026-01-28T03:43:30","slug":"loss-ratio-asuransi-umum-indonesia-2025-meningkat-apa-dampaknya-bagi-bisnis-anda","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/loss-ratio-asuransi-umum-indonesia-2025-meningkat-apa-dampaknya-bagi-bisnis-anda\/","title":{"rendered":"Indonesia&#8217;s General Insurance Loss Ratio Increases in 2025: What Impact Will This Have on Your Business?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">This article is compiled based on a study and analysis of insurance industry data sourced from official industry reports, including:AAUI Report Book-Q3-25-Web-1.pdfas well as insurance statistics reports up toThird Quarter of 2025This analysis is used as a basis for compilingwork program of the Center for Industrial Studies and Research (PKRI) Department of the Indonesian Insurance and Reinsurance Brokerage Companies Association (APPARINDO), with the note that the full 2025 industry performance report has not yet been published, so the figures, including loss ratio, still has the potential to experience adjustments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2025 will be a crucial year for the Indonesian general insurance industry. Behind the continued positive premium growth, there is one crucial indicator that business players and company management cannot ignore:industry loss ratio continues to increase.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For many business owners, the term<\/span><i><span style=\"font-weight: 400;\">loss ratio<\/span><\/i><span style=\"font-weight: 400;\">It may sound technical and far removed from day-to-day operations. However, in practice,loss ratio is the main determinant whether premiums will increase, policies tightened, or claims become more difficult to pay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will discuss comprehensively:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What is the loss ratio and the condition of the Indonesian general insurance industry in 2025?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the direct impact of increased claims on premiums and policy terms,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">and why the role of insurance brokers as risk advisors is becoming increasingly important, not just as a police salesman.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">What Is Loss Ratio and Why Is It Important?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Loss ratio is a comparison between claims with premium received by insurance companies within a certain period.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Simply:<\/span><\/p>\n<p><b>Loss Ratio = Claims Paid \u00f7 Premiums Received<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If the loss ratio is in the range:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>40\u201360%<\/b><span style=\"font-weight: 400;\">\u2192 relatively healthy industry<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>60\u201380%<\/b><span style=\"font-weight: 400;\">\u2192 starting to get stressed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>above 80%<\/b><span style=\"font-weight: 400;\">\u2192 underwriting margins are very thin<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>approaching or above 100%<\/b><span style=\"font-weight: 400;\">\u2192 industry is under serious pressure<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In 2025, industry data shows thatIndonesia&#8217;s general insurance loss ratio is moving to an increasingly high level, even in some segments approaching critical limits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It means:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">most of the premiums paid by customers immediately used up for claims,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">underwriting profit space is narrowing,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">and insurance companies are being forced to make aggressive adjustments.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Loss Ratio Overview of the Indonesian General Insurance Industry in 2025<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Based on the industry performance report through the third quarter of 2025, there are several key trends that businesses should pay attention to:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims growth is almost in line with premium growth<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">The premium increases no longer create an adequate profit cushion.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Several business lines are the largest contributors to claims, among others:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">credit insurance,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Health Insurance,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">motor vehicle,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">marine and certain liabilities.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim pressure is not temporary, but rather structural:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">healthcare cost inflation,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">increase in defaults,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">increasingly complex vehicle claims,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">and escalation of loss value.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">In aggregate, these conditions place the general insurance industry in a phasehigh risk \u2013 low margin.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">The Direct Impact of Increased Claims on Insurance Customers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many business owners ask:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cIf claims increase in the industry, what impact will it have on my company?\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The answer:very direct and real.<\/span><\/p>\n<ol>\n<li><b> Insurance Premiums Tend to Increase<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">When the loss ratio increases, insurance companies have little choice but to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">increase premium rates,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">or limit the guarantee capacity.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As a result:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">policy renewal becomes more expensive,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">discounts are becoming rarer,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">and price comparisons between insurance companies are becoming increasingly narrow.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Companies that have been enjoying low premiums will experience a significant increase in insurance costs.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Police Terms and Conditions Are Getting Tighter<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Apart from the increase in premiums, another impact that is often overlooked is tightening of policy wording, among others:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">addition of exception clauses,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">sub-limits for certain types of claims,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">higher deductibles,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">limitation on the extension of guarantees.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Many problematic claims cases in Indonesia are not due to the absence of a policy, but because:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The police are no longer as flexible as they were a few years ago.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol start=\"3\">\n<li><b> Risk Selection is Getting Tighter<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Insurance companies are now more selective in accepting risks. Businesses with the following characteristics:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">high historical claims,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">weak risk management,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">incomplete documentation,<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">will face:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">denial of closure,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">limited capacity,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">or much more severe conditions.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Common Mistakes Companies Make in Dealing with This Condition<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Amidst the pressure of industrial loss ratios, many companies are making strategic mistakes, including:<\/span><\/p>\n<p><b>\u274c<\/b><b>Focus on the Cheapest Premiums<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Choosing a policy based on the lowest price without understanding:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">collateral structure,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">exception,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">claim readiness.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As a result, when a claim occurs, the protection does not work optimally.<\/span><\/p>\n<p><b>\u274c<\/b><b>Copy\u2013Paste Insurance Program<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Using old policies or copying other companies&#8217; programs without actual risk analysis.<\/span><\/p>\n<p><b>\u274c<\/b><b>Considering Brokers to be Just Police Salesmen<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Many companies still view brokers only as transaction intermediaries, not as risk management partners.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">This is Where the Role of Insurance Brokers Changes: From Salesperson to Risk Advisor<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In the stressful industrial conditions of 2025, the role of a professional insurance broker is becoming increasingly strategic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brokers who function risk advisor does not work with a \u201csell the police\u201d approach, unless:<\/span><\/p>\n<ol>\n<li><b> Understand Business Risks Thoroughly<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Brokers do:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">risk assessment,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">loss exposure mapping,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">identify key risks that have a major financial impact.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The goal is not to sell as many guarantees as possible, but:develop relevant and sustainable insurance programs.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol start=\"2\">\n<li><b> Developing the Right Insurance Program Structure<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Amid rising premiums and tightening reinsurance, brokers are helping:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">determine reasonable risk retention,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">arrange layers and limits efficiently,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">avoid over-insurance and under-insurance.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This approach helps companies:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">control costs,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">without sacrificing critical protection.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ol start=\"3\">\n<li><b> Negotiating Policy Wording and Clauses<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">In an era of high loss ratios,words in the police become very decisive.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brokers play a role in:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">negotiating important clauses,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ensure policy compliance with client operational practices,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">minimize grey areas when claiming.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ol start=\"4\">\n<li><b> Proactive Claims Assistance<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Claims are not simply events that occur after the policy is purchased.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brokers who act as risk advisors:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">assist with claim preparation from the outset,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ensure complete documentation,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">monitor communication with the guarantor.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This has been shown to increase the chances of claims being paid fairly and on time.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Why 2025 Is Not the Right Time for Insurance \u201cTrial and Error\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">With a high industry loss ratio:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a small mistake in drafting a policy can have big consequences,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">wording differences can mean billions of rupiah in claims,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">decisions based solely on price are increasingly risky.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Insurance can no longer be treated as:<\/span><\/p>\n<p><b>just an administrative obligation.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">It should be part of the company&#8217;s risk management strategy.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What Should Companies Do Now?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Some practical steps to consider:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review your insurance program before renewing., not when it is due.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evaluation of historical claims and potential future risks, not just last year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Discuss risk retention and transfer strategies, not just premiums.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Engage a broker who understands your industry and risks, not just the price.<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><b>Conclusion: High Loss Ratio is an Alarm, Not Just a Number<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The loss ratio of Indonesian general insurance in 2025 is a loud alarm for the business world. It indicates that:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the risk is getting more expensive,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">mistakes are increasingly not tolerated,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">and protection must be structured more intelligently.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In this situation,professional insurance brokers act as strategic partners, not a policy seller. Brokers help companies:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">understand the risks,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">arranging proper protection,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">and ensure insurance actually works when needed.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>\ud83d\udd0e<\/b><b>It&#8217;s Time for Risk Consultation, Not Just Buying a Policy<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If your company is facing:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">premium increase during renewal,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">increasingly strict police,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">or concerns about claims not being paid,<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Don&#8217;t wait until a problem occurs.<\/span><\/p>\n<p><b>Consult your business risks and insurance programs with a professional insurance broker.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The right approach today can save your company&#8217;s finances in the future.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2014<\/span><\/p>\n<p><b>DON&#8217;T WASTE YOUR TIME AND SECURE YOUR FINANCES AND BUSINESS WITH THE RIGHT INSURANCE.<\/b><\/p>\n<p><b>HOTLINE L&amp;G 24 JAM:<\/b><a href=\"https:\/\/wa.me\/628118507773?text=Halo%20Liberty,%20Saya%20sudah%20berkunjung%20ke%20website%20lngrisk.co.id.%20Boleh%20saya%20tanya%20lebih%20jauh?\"> <b>0811-8507-773<\/b><\/a> <b>(PHONE \u2013 WHATSAPP \u2013 SMS)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Website:<\/span><a href=\"http:\/\/lngrisk.co.id\"> <span style=\"font-weight: 400;\">lngrisk.co.id<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Email: <\/span><a href=\"mailto:halo@lngrisk.co.id\"><span style=\"font-weight: 400;\">halo@lngrisk.co.id<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2014<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>This article is compiled based on a study and analysis of insurance industry data sourced from official industry reports, including:AAUI Report Book-Q3-25-Web-1.pdfas well as insurance statistics reports up toThird Quarter of 2025This analysis is used as a basis for compilingwork program of the Center for Industrial Studies and Research (PKRI) Department of the Indonesian Insurance [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":9491,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[155,282],"class_list":{"0":"post-9490","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-general-insurance","8":"tag-asuransi-indonesia","9":"tag-asuransi-umum"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9490","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=9490"}],"version-history":[{"count":1,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9490\/revisions"}],"predecessor-version":[{"id":9492,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9490\/revisions\/9492"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9491"}],"wp:attachment":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9490"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}