{"id":9926,"date":"2026-06-25T20:57:25","date_gmt":"2026-06-25T13:57:25","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9926"},"modified":"2026-06-25T20:57:25","modified_gmt":"2026-06-25T13:57:25","slug":"iran-wajibkan-semua-kapal-di-selat-hormuz-punya-asuransi-dunia-pelayaran-waspada-dan-7-berita-asuransi-terupdate-di-indonesia","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/iran-wajibkan-semua-kapal-di-selat-hormuz-punya-asuransi-dunia-pelayaran-waspada-dan-7-berita-asuransi-terupdate-di-indonesia\/","title":{"rendered":"Iran Requires All Ships in the Strait of Hormuz to Have Insurance, Shipping World Warns! And 7 Latest Insurance News in Indonesia"},"content":{"rendered":"

The insurance industry continues to evolve in response to developments in the economy, technology, and global geopolitical turmoil. Over the past week, several key issues have emerged and garnered attention from industry players and the public, including Iran’s new policy requiring insurance coverage for ships in the Strait of Hormuz, the challenges faced by insurance agents amid economic uncertainty, and the declining interest of Generation Z in insurance products. Meanwhile, the industry is also facing pressure from declining premiums, the threat of weakening investment returns, and demands for digital transformation and strengthening of sharia-compliant businesses. So, what are the latest developments worth noting?<\/span><\/p>\n

Here is a summary of the 7 most updated insurance news in Indonesia and the world that you don’t want to miss.<\/b><\/p>\n

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Accident Insurance Premiums Plummet 31%! Mobility Increases, Why Is Personal Accident Insurance Weakening?<\/b><\/h3>\n

The personal accident (PA) business line, or personal accident insurance, saw a significant decline in the first quarter of 2026. According to data from the Indonesian General Insurance Association (AAUI), personal accident insurance premiums fell 31.3% year-on-year to Rp 786 billion, from Rp 1.14 trillion in the same period last year. However, this decline does not necessarily indicate a diminishing public demand for accident protection.<\/span><\/p>\n

AAUI Chairman Budi Herawan explained that the nature of the personal accident business is highly dependent on the corporate segment and group collaborations, such as employee protection, activity participants, educational institutions, and financing products. Therefore, premium fluctuations are more influenced by policy renewal times, project implementation, and distribution patterns than by community mobility.<\/span><\/p>\n

Furthermore, purchasing trends are also beginning to shift. Accident insurance products are increasingly being bundled with travel insurance, financing, membership cards, employee benefits, and even embedded insurance through digital platforms. Amidst the still-challenging economic conditions, a number of companies are also implementing cost-effective protection measures.<\/span><\/p>\n

Despite the correction in premiums, AAUI remains optimistic that the prospects for personal accident insurance remain promising. This product is considered simple, affordable, and has potential for growth through digital channels, bancassurance, communities, and the development of micro-products that are increasingly relevant to community needs.<\/span><\/p>\n

Source:<\/span> https:\/\/keuangan.kontan.co.id\/news\/premi-asuransi-kecelakaan-diri-turun-313-pada-kuartal-i-2026-ini-penjelasan-aaui<\/span><\/a>\u00a0\u00a0\u00a0<\/span><\/p>\n

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A Turbulent Economy Puts Insurance Agents to the Test! This Profession Is No Longer Just About Selling Policies, But Also Protecting the Family’s Future<\/b><\/h3>\n

Amid global economic uncertainty, pressure on the rupiah exchange rate, and lingering geopolitical conflicts, the life insurance industry faces increasingly complex challenges. These conditions have also influenced people’s behavior, who are now more cautious in managing their finances and choosing protection products. This situation has made the role of insurance agents even more crucial, not only as salespeople but also as financial advisors and protection partners for clients.<\/span><\/p>\n

Lisa, Committee Chair of MDRT Day by MCC Indonesia 2026, likened the insurance agent profession to a sailor who must remain steadfast even in the face of storms. The “Unshakable” philosophy promoted by MDRT Day 2026 emphasizes the importance of resilience, professionalism, and adaptability in facing industry challenges.<\/span><\/p>\n

Improving agent competency is also a key focus. By 2026, Indonesia will have 2,086 MDRT members, recognized as the gold standard for the insurance and finance profession. Meanwhile, AAJI continues to strengthen its code of ethics and marketer certification to prevent misselling and increase public trust.<\/span><\/p>\n

These efforts are beginning to show results. In the first quarter of 2026, premiums from the agency channel grew 1.2% to Rp 14.29 trillion. The number of insured individuals in the life insurance industry also jumped 20.9% to 118.28 million. This demonstrates that, despite various economic challenges, public trust in life insurance continues to grow, supported by the increasingly professional and high-standard role of agents.<\/span><\/p>\n

Source:<\/span> https:\/\/money.kompas.com\/read\/2026\/06\/20\/083000026\/agen-asuransi-hadapi-tantangan-ekonomi-kompetensi-jadi-kunci?page=2<\/span><\/a>\u00a0\u00a0<\/span><\/p>\n

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Iran Implements New Rules! All Ships in the Strait of Hormuz Must Have Insurance, Global Shipping Industry Warns<\/b><\/h3>\n

Iran has introduced a new policy requiring all ships passing through the Strait of Hormuz to have insurance coverage approved by the Persian Gulf Strait Authority (PGSA), a newly established body to oversee shipping traffic in the strategic region. Initially, the Iranian government will cover the entire cost of the coverage for 60 days, but it has left open the possibility of introducing mandatory fees in the future.<\/span><\/p>\n

This policy is seen as Iran’s move to strengthen its control over one of the world’s most important energy trade routes. In addition to requiring insurance, all transit permits must now be processed through the PGSA, including the determination of shipping routes that vessels must follow. Violations of these routes can result in permit revocation and additional sanctions.<\/span><\/p>\n

A number of tanker operators have begun to question the effectiveness and sustainability of this policy. This is because the new regulation potentially conflicts with a previous agreement between the United States and Iran that guaranteed 60 days of free shipping.<\/span><\/p>\n

Because the Strait of Hormuz is a major global oil distribution route, any regulatory changes in the area are of concern to the global energy, shipping, and insurance industries. The International Maritime Organization (IMO) is currently reviewing the impact of these policies on international shipping law.<\/span><\/p>\n

Source:<\/span> https:\/\/www.idnfinancials.com\/id\/news\/65008\/iran-wajibkan-kapal-lewat-selat-hormuz-bayar-asuransi<\/span><\/a><\/p>\n

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Sharia Insurance Spin-Off Nears! Bosses and Directors Enthusiastically Trained to Face OJK Exams<\/b><\/h3>\n

The Indonesian sharia insurance industry is entering a crucial phase ahead of the spin-off deadline, targeted for completion in 2026. This transformation process requires companies to prepare organizational structures, governance, and human resources that meet regulatory requirements. One crucial stage that must be completed is<\/span>Fit and Proper Test<\/b>from the Financial Services Authority (OJK).<\/span><\/p>\n

To support this readiness, the Indonesian Sharia Insurance Association (AASI) held a Fit and Proper Test Workshop in Jakarta on June 19, 2026. This inaugural activity was attended by 51 participants from 11 AASI member companies, consisting of prospective directors, commissioners, heads of internal audit, actuaries, and prospective controlling shareholders.<\/span><\/p>\n

AASI brought in several senior practitioners who also serve on the Fit and Proper Assessment Team for AASI Representatives at the OJK to provide participants with material and guidance on the regulator’s expectations. According to Mudzakir, Head of AASI’s Human Capital Department, the workshop served as a “training” before facing the real exam at the OJK.<\/span><\/p>\n

AASI Chairman Fauzi Arfan emphasized that the association will continue to support member companies’ readiness to ensure the spin-off process runs smoothly and in accordance with regulations. This step is expected to strengthen the foundation of the Sharia insurance industry and create more independent, healthy, and competitive companies in the future.<\/span><\/p>\n

Source:<\/span> https:\/\/mediaasuransinews.co.id\/asuransi\/aasi-tingkatkan-kesiapan-industri-asuransi-syariah-jelang-penyelesaian-spin-off-2026\/<\/span><\/a>\u00a0\u00a0\u00a0<\/span><\/p>\n

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Gen Z Refuses to Buy Insurance? LPS Reveals the Reason, and It’s Not About Money<\/b><\/h3>\n

Generation Z’s interest in insurance products remains relatively low, and this is starting to become a serious concern for the financial industry. Ferdinan D. Purba, a member of the Deposit Insurance Corporation (LPS) Board of Commissioners for Policy Guarantee Programs, believes one of the main causes lies not in financial capacity, but rather in the complexity of the language and processes used by the insurance industry.<\/span><\/p>\n

According to Ferdinan, Generation Z is a crucial group because in the next 20 to 25 years, they will become insurance company leaders, regulators, and policymakers. Therefore, the industry needs to start understanding the characteristics and needs of the younger generation now.<\/span><\/p>\n

Several international studies highlight the challenges faced by Gen Z. A 2022 Insurtech Survey in the United States noted that 26% of Gen Z respondents abandoned the claims process due to perceived complexity in the digital experience. In fact, one in four respondents chose to switch insurance companies due to unsatisfactory digital service. Furthermore, nearly half of Gen Z respondents in 18 countries admitted they didn’t understand insurance products well enough to purchase them with confidence.<\/span><\/p>\n

Ferdinan believes a similar situation exists in Indonesia. Technical terms like premiums, riders, surrender value, and policy exclusions are often confusing to the younger generation. Therefore, the insurance industry is required to undergo transformation, from simplifying language, improving the digital experience, to providing more relevant education to attract Generation Z, the future market.<\/span><\/p>\n

Source:<\/span> https:\/\/mediaasuransinews.co.id\/asuransi\/kenapa-gen-z-belum-kepincut-asuransi-begini-penjelasan-dari-lps\/<\/span><\/a>\u00a0\u00a0\u00a0<\/span><\/p>\n

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AAUI: Alarm! Insurance Investment Profits Predicted to Plummet in 2026, Industry Urged to Be Vigilant<\/b><\/h3>\n

The general insurance industry is expected to face greater challenges in achieving returns on investments throughout 2026. The Indonesian General Insurance Association (AAUI) warns that various economic and financial market pressures could cause insurance companies’ investment returns to decline significantly compared to the previous year.<\/span><\/p>\n

AAUI Chairman Budi Herawan revealed that investment returns have been a key source of profit for the general insurance industry. By the end of 2025, investment returns had grown 13.5% annually to Rp 8.44 trillion, contributing to the industry’s net profit, which reached Rp 15.82 trillion. However, the situation began to change in 2026.<\/span><\/p>\n

Data from the first quarter of 2026 shows that the general insurance industry’s investment returns contracted 8% to Rp1.71 trillion. Although net profit still grew 18.8% to Rp3.72 trillion, AAUI assessed that pressure on investment performance warrants vigilance.<\/span><\/p>\n

Several factors of concern include interest rate volatility, the weakening rupiah exchange rate, inflation, bond and stock market movements, and global economic uncertainty, which impact investor sentiment. Furthermore, claims development, premium growth, liquidity, and investment asset quality are also important factors to maintain.<\/span><\/p>\n

AAUI emphasized that insurance companies should not rely solely on investment returns. The industry’s primary focus must remain on risk management, maintaining liquidity and solvency, and ensuring the company’s ability to meet its obligations to policyholders amid increasingly challenging market conditions.<\/span><\/p>\n

Source:<\/span> https:\/\/keuangan.kontan.co.id\/news\/aaui-kinerja-investasi-asuransi-umum-tahun-2026-berpotensi-melambat<\/span><\/a><\/p>\n

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The E-Commerce Era Is a Golden Opportunity! Is Marine Cargo Insurance Ready to Recover from Premium Pressure?<\/b><\/h3>\n

The rapid development of the digital ecosystem and e-commerce is seen as presenting new opportunities for the general insurance industry, particularly the marine cargo insurance industry, which is currently facing downward premium pressure. The Indonesian General Insurance Association (AAUI) observes that the increase in shipping activity, both domestic and international, has made the need for protection against risks during the distribution process increasingly important.<\/span><\/p>\n

AAUI Chairman Budi Herawan stated that insurance companies need to capitalize on this momentum by offering simpler, more flexible products integrated with digital platforms, marketplaces, logistics companies, and supply chain actors. Marine cargo insurance not only protects large-scale shipments, but also has the potential to expand into retail and e-commerce shipments with high transaction volumes.<\/span><\/p>\n

Protection can cover the risks of loss, damage, delays, and mishandling during shipping and storage. Partnerships with logistics companies and marketplaces also offer the opportunity to increase premiums through automatic coverage offers during transactions.<\/span><\/p>\n

Despite the wide-open opportunities, industry performance still faces challenges. Data from the Indonesian Insurance Association (AAUI) shows that marine cargo premiums fell 12.6% to Rp1.49 trillion as of March 2026, while claims increased 6.7% to Rp357 billion. Therefore, AAUI is encouraging the industry to focus on service digitization, accelerating the claims process, educating the market, and strengthening risk management to ensure sustainable marine cargo business growth in the digital economy era.<\/span><\/p>\n

Source:<\/span> https:\/\/keuangan.kontan.co.id\/news\/aaui-ekosistem-digital-dan-e-commerce-buka-peluang-pertumbuhan-asuransi-marine-cargo<\/span><\/a><\/p>\n

–<\/span><\/p>\n

Recent developments demonstrate that the insurance industry is facing both challenges and opportunities amidst global economic uncertainty, accelerated digitalization, and geopolitical dynamics. While several business lines are under pressure, industry players continue to be challenged to innovate, strengthen services, and maintain public trust to ensure sustainable growth.<\/span><\/p>\n

Therefore, understanding the development of the insurance industry is important so that individuals and companies can make the right protection decisions amidst various risks that continue to develop.<\/span><\/p>\n

\ud83d\udcde Need a protection solution tailored to your needs? L&G Insurance Broker is ready to help provide insurance programs for health, vehicles, property, marine cargo, and various other specialized coverages.<\/p>\n

\ud83d\udcac Contact L&G Insurance Broker for a consultation with an expert and get the right protection solution.<\/p>\n

Whatsapp 0811-8507-773 | Email halo@lngrisk.co.id<\/b><\/p>","protected":false},"excerpt":{"rendered":"

The insurance industry continues to evolve in response to developments in the economy, technology, and global geopolitical turmoil. Over the past week, several key issues have emerged and garnered attention from industry players and the public, including Iran’s new policy requiring insurance coverage for ships in the Strait of Hormuz, the challenges faced by insurance […]<\/p>\n","protected":false},"author":1,"featured_media":9927,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[1662,1663],"class_list":["post-9926","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ulas-berita","tag-berita-asuransi-dunia","tag-selat-hormuz-kembali-dibuka"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9926","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=9926"}],"version-history":[{"count":1,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9926\/revisions"}],"predecessor-version":[{"id":9928,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9926\/revisions\/9928"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9927"}],"wp:attachment":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9926"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9926"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}