{"id":9735,"date":"2026-03-25T21:52:19","date_gmt":"2026-03-25T14:52:19","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9735"},"modified":"2026-04-07T21:56:54","modified_gmt":"2026-04-07T14:56:54","slug":"perang-iran-vs-as-israel-picu-risiko-baru-premi-dan-klaim-asuransi-pengangkutan-terancam-melonjak-dan-7-berita-asuransi-terupdate-di-indonesia","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/perang-iran-vs-as-israel-picu-risiko-baru-premi-dan-klaim-asuransi-pengangkutan-terancam-melonjak-dan-7-berita-asuransi-terupdate-di-indonesia\/","title":{"rendered":"The Iran-US-Israel War Triggers New Risks! Marine Insurance Premiums and Claims Threaten to Soar:And 7 Latest Insurance News in Indonesia"},"content":{"rendered":"

The insurance industry continues to evolve dynamically, keeping pace with economic changes, social mobility, and global geopolitical tensions. In recent weeks, several significant developments have emerged, including increased transportation risks due to the Middle East conflict, shifting life insurance product trends, and new opportunities from the global halal economy.<\/span><\/p>\n

Domestically, the Ramadan and Eid homecoming periods also boost insurance business activity, including in the travel, logistics, and insurance brokerage sectors. Meanwhile, several policies and regulatory proposals, such as policy guarantee programs, are also beginning to receive serious attention from industry players.<\/span><\/p>\n

Here is a summary of the 7 latest news stories that are in the spotlight in the insurance industry in Indonesia.<\/span><\/p>\n

Traveling Home Without Preparation Can Be Risky! These Are Common Mistakes Travelers Make<\/b><\/h3>\n

The tradition of going home for Eid al-Fitr (mudik) always increases mobility throughout Indonesia. Millions of people travel to their hometowns every year to be with family. However, this high level of travel also increases potential risks, which travelers often fail to recognize.<\/span><\/p>\n

Maria Susana, Head of Travel Management & Direct Retail at PT Sompo Insurance Indonesia, explained that travel risks can arise at various points, from road trips to activities at airports, train stations, or terminals. Furthermore, there are often overlooked risks such as the condition of the home you leave behind, your health during the trip, and the possibility of emergencies.<\/span><\/p>\n

According to him, one of the most common mistakes when traveling home is leaving in a rush. This situation leads many people to not prepare properly for their trip and potentially forgetting important things, such as personal equipment, medication, and travel documents.<\/span><\/p>\n

To mitigate this risk, Sompo Indonesia launched a travel protection program called the Sompo Mudik Program. This program provides medical coverage during the trip, protection for the home you leave behind, and health benefits in the event of illness during your trip.<\/span><\/p>\n

This program is offered with affordable premiums, starting from IDR 15 thousand for 14 days of protection and IDR 25 thousand for 30 days of protection.<\/span><\/p>\n

 <\/p>\n

Source: <\/span>https:\/\/www.liputan6.com\/bisnis\/read\/6298519\/pentingkah-asuransi-saat-mudik-ini-jawabannya<\/span><\/a>\u00a0<\/span><\/p>\n

 <\/p>\n

Despite Falling Premiums, AAJI Remains Optimistic! Life Insurance Industry Expected to Rebound in 2026<\/b><\/h3>\n

The Indonesian life insurance industry is projected to maintain positive prospects in 2026, despite facing various global challenges. The Indonesian Life Insurance Association (AAJI) believes national economic resilience is a key factor maintaining optimism for the industry’s growth.<\/span><\/p>\n

AAJI Board of Directors Chairman Albertus Wiroyo stated that the Indonesian economy remains quite resilient amidst global geopolitical dynamics. This situation is considered to provide room for the life insurance industry to continue growing.<\/span><\/p>\n

Besides economic factors, the still-vast market potential is also a major reason for this optimism. AAJI believes that increasing financial literacy and inclusion are key to expanding the reach of insurance coverage to the public. The organization also continues to collaborate with regulators, academics, and various parties to raise public awareness of the importance of financial protection.<\/span><\/p>\n

AAJI data shows that total life insurance premium income reached IDR 181.27 trillion throughout 2025. Although this figure experienced a slight contraction of 1.8% compared to the previous year, the number of insured persons actually increased significantly.<\/span><\/p>\n

By 2025, the number of insured individuals in the life insurance industry is expected to reach 168.03 million, representing an 8.6% annual increase. This increase in insured individuals is a positive sign that public awareness of financial protection through life insurance continues to grow.<\/span><\/p>\n

Source: <\/span>https:\/\/keuangan.kontan.co.id\/news\/industri-asuransi-jiwa-diprediksi-moncer-di-2026-ini-kata-aaji<\/span><\/a>\u00a0<\/span><\/p>\n

 <\/p>\n

Is the Unit Link Era Fading? Insurance Investment Premiums Are Falling, While Traditional Products Are Rising<\/b><\/h3>\n

The performance of investment-linked insurance products, or unit-linked products, experienced further pressure throughout 2025. Data from the Indonesian Life Insurance Association (AAJI) shows that premium income from these products continued to decline, while traditional insurance products actually showed positive growth.<\/span><\/p>\n

 <\/p>\n

AAJI Board of Directors Chairman Albertus Wiroyo stated that the total premium income of the life insurance industry in 2025 will reach Rp181.27 trillion, a slight decrease of 1.8% year-on-year. Of this total, traditional product premiums will reach Rp113.03 trillion, representing a 2.4% annual growth.<\/span><\/p>\n

In contrast, premiums from unit-linked products reached only Rp68.24 trillion, a decrease of 8.2% compared to the previous year. This decline has resulted in the continued shrinking of unit-linked premiums in the industry.<\/span><\/p>\n

Proportionally, unit-linked premiums decreased to 37.64% from around 40% previously, while traditional products increased to 62.36%. This change reflects a shift in market preferences in recent years.<\/span><\/p>\n

Pressure on the unit-linked business began to emerge after the Financial Services Authority (OJK) issued new regulations, through SEOJK No. 5\/SEOJK.05\/2022, which tightened the governance of PAYDI products. The regulation emphasizes product transparency, clearer marketing practices, and more accountable asset management to enhance consumer protection.<\/span><\/p>\n

Source: <\/span>https:\/\/investor.id\/finance\/432038\/unit-link-masih-lesusetelah-empat-tahun-aturan-main-diubah<\/span><\/a>\u00a0<\/span><\/p>\n

 <\/p>\n

AAUI Supports Insurance Policy Guarantees! Industry Confident Public Trust Can Increase<\/b><\/h3>\n

The plan to implement an insurance policy guarantee program has received support from industry players. The Indonesian General Insurance Association (AAUI) believes the scheme could be a crucial step in strengthening public trust in the insurance industry in Indonesia.<\/span><\/p>\n

Diwe Novara, Head of Technical Division 5 of AAUI, stated that the general insurance industry fully supports the implementation of the policy guarantee program. He believes the guarantee mechanism can provide a greater sense of security for policyholders in the event of an insurance company’s failure to fulfill its obligations.<\/span><\/p>\n

However, AAUI believes that the program’s implementation needs to consider the differing policy characteristics of the retail and corporate segments. For retail policies, the industry hopes the guarantee program will provide full protection against customer claims.<\/span><\/p>\n

Meanwhile, in corporate policies, the guarantee mechanism is deemed necessary to be adjusted to the risk retention schemes of insurance and reinsurance companies so as not to disrupt existing risk management.<\/span><\/p>\n

In addition, AAUI also hopes that the amount of contributions for the policy guarantee program will not be too large so as not to burden the premiums that customers have to pay.<\/span><\/p>\n

According to AAUI, accelerating the implementation of the policy guarantee program can be a strategic step to increase public trust while strengthening the stability of the national insurance industry.<\/span><\/p>\n

Source: <\/span>https:\/\/mediaasuransinews.co.id\/asuransi\/aaui-dorong-program-penjaminan-polis-segera-berjalan-demi-pulihkan-kepercayaan-publik\/<\/span><\/a><\/p>\n

 <\/p>\n

The Global Halal Economy is Booming! Sharia Insurance is Said to Offer Huge Opportunities, from Halal Products to Sukuk (Islamic Bonds).<\/b><\/h3>\n

The projected growth of the global sharia economy, which is expected to exceed US$3 trillion in the next few years, is considered a significant opportunity for the sharia insurance or takaful industry. This momentum is considered to be a potential opportunity to strengthen the role of sharia insurance in the halal economic ecosystem, including in Indonesia.<\/span><\/p>\n

Chartered Insurance Practitioner Erwin Noekman stated that nearly all activities within the halal economy ecosystem are linked to Sharia-compliant risk protection. One example is the Halal Product Guarantee Law, which is considered to open opportunities for the Sharia insurance industry to provide protection against various risks associated with halal products in the market.<\/span><\/p>\n

In insurance practice, there is a protection scheme known as product recall, which is a mechanism for withdrawing a product from the market if certain problems are discovered. In the context of halal products, this scheme is considered a relevant form of protection through Sharia insurance if a product in circulation is found to not meet halal standards.<\/span><\/p>\n

In addition to the halal product sector, opportunities for developing sharia insurance are also considered open in development projects using sukuk-based financing and other halal industry sectors such as halal pharmaceuticals.<\/span><\/p>\n

Erwin believes that government policy support will be a crucial factor in encouraging the integration of halal products with the Islamic financial ecosystem, including Islamic insurance and reinsurance.<\/span><\/p>\n

Source: <\/span>https:\/\/mediaasuransinews.co.id\/asuransi\/ekonomi-halal-global-melesat-industri-asuransi-syariah-didorong-ambil-peran\/<\/span><\/a>\u00a0<\/span><\/p>\n

 <\/p>\n

Ramadan Boosts Insurance Brokerage Business! Risk Placement Activity Increases by Up to 10%<\/b><\/h3>\n

Insurance brokerage activity in Indonesia increases in the lead-up to Ramadan and Eid al-Fitr. This surge is driven by increased public mobility and the distribution of consumer goods that typically occurs during this period.<\/span><\/p>\n

Yulius Bhayangkara, Chairman of the Indonesian Insurance and Reinsurance Brokerage Association (APPARINDO), explained that Ramadan does bring its own unique dynamics to the insurance brokerage industry. However, the characteristics of this increase differ from those in the retail sector, which typically experiences significant seasonal spikes.<\/span><\/p>\n

According to him, the increase in activity primarily occurred in sectors related to the mobility and distribution of goods. These sectors include logistics and transportation, trade and distribution of consumer goods, marine cargo and supply chain insurance, and travel and accident insurance.<\/span><\/p>\n

APPARINDO has noted an increase in risk placement activity at a number of its member brokerage firms. Based on initial monitoring, this activity is estimated to increase by around 5\u201310% compared to normal periods, particularly in the marine cargo, property warehouse, and liability sectors related to trading activities leading up to Eid al-Fitr.<\/span><\/p>\n

However, this increase is not considered to have changed the overall business structure of the brokerage industry. This is because the insurance brokerage business is generally more influenced by the annual corporate business cycle than seasonal factors like Ramadan.<\/span><\/p>\n

Source: <\/span>https:\/\/mediaasuransinews.co.id\/asuransi\/aktivitas-logistik-dan-perjalanan-naik-jelang-lebaran-bisnis-pialang-asuransi-ikut-terdongkrak\/<\/span><\/a>\u00a0<\/span><\/p>\n

 <\/p>\n

The Iran-US-Israel War Triggers New Risks! Marine Insurance Premiums and Claims Threaten to Soar<\/b><\/h3>\n

The escalating conflict in the Middle East between Iran and the United States-Israel coalition is beginning to impact the global marine insurance industry. Increased risks in international trade routes, particularly in strategic areas like the Strait of Hormuz, have the potential to trigger a surge in claims in marine cargo insurance.<\/span><\/p>\n

PT Asuransi Asei Indonesia’s President Director, Dody Dalimunthe, explained that insurance companies typically implement various technical strategies to anticipate a potential surge in claims due to geopolitical conflicts.<\/span><\/p>\n

Steps taken include implementing prudent underwriting, establishing risk exclusions such as war risk, terrorism risk, and sanctions exclusions, and enhancing mitigation mechanisms such as deductibles, co-insurance, and surplus share. Furthermore, each shipping route will be assessed using a real-time risk rating system, particularly for high-risk areas.<\/span><\/p>\n

Insurance companies also require policyholders to provide notification if a ship or cargo passes through an area designated as a conflict zone by the Joint War Committee. Failure to comply with this obligation could result in the policy being voided or adjusted.<\/span><\/p>\n

In the global market, war risk premiums for Middle Eastern conflict zones can even double compared to normal routes, as geopolitical tensions and risks to international goods distribution increase.<\/span><\/p>\n

Source: <\/span>https:\/\/keuangan.kontan.co.id\/news\/imbas-konflik-timur-tengah-asuransi-perketat-underwriting-risiko-pengangkutan<\/span><\/a>\u00a0<\/span><\/p>\n

These various developments show that the insurance industry is not only influenced by domestic economic conditions, but also by global dynamics, regulatory changes, and public behavior.<\/span><\/p>\n

From increased mobility during Ramadan, shifting interest in life insurance products, to the significant potential of the halal economy, all present new opportunities and challenges for industry players. Going forward, insurance companies’ ability to adapt to increasingly complex risks and improve public literacy will be crucial in maintaining growth and public trust in the industry.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

The insurance industry continues to evolve dynamically, keeping pace with economic changes, social mobility, and global geopolitical tensions. In recent weeks, several significant developments have emerged, including increased transportation risks due to the Middle East conflict, shifting life insurance product trends, and new opportunities from the global halal economy. Domestically, the Ramadan and Eid homecoming […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[299,1614],"class_list":{"0":"post-9735","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-ulas-berita","7":"tag-berita-asuransi","8":"tag-perang-iran-as"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9735","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\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=9735"}],"version-history":[{"count":1,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9735\/revisions"}],"predecessor-version":[{"id":9737,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9735\/revisions\/9737"}],"wp:attachment":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9735"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9735"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}