{"id":4617,"date":"2022-12-12T08:27:58","date_gmt":"2022-12-12T01:27:58","guid":{"rendered":"http:\/\/ligaasuransi.com\/?p=4617"},"modified":"2022-12-12T08:27:58","modified_gmt":"2022-12-12T01:27:58","slug":"7-pilihan-berita-asuransi-bulan-desember-2022-2","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/7-pilihan-berita-asuransi-bulan-desember-2022-2\/","title":{"rendered":"7 Selected Insurance News for December 2022"},"content":{"rendered":"

Liga Asuransi<\/a> – Dear readers, how are you? As usual, we will always present 7 choices of information for you about the world of the Indonesian insurance industry. We hope that this news can be of benefit to you. If you are interested, please share with your colleagues, so they also understand like you.<\/span><\/p>\n

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  1. <\/b> Financial Omnibus Law: LPS Can Now Guarantee Insurance Policies\u00a0<\/b><\/li>\n<\/ol>\n

    Bisnis.com, JAKARTA \u2013 The Deposit Insurance Corporation (LPS) has received new authority in the Sector Development and Strengthening Bill (RUU PPSK) as a guarantor for insurance policies.\u00a0<\/span><\/p>\n

    In the latest draft of the PPSK Bill or Financial Omnibus Law dated 8 December 2022, LPS has a new mandate as the organizer of the insurance policy guarantee program, which will be accompanied by an increase in the supervisory and regulatory functions by the insurance supervisory authority.\u00a0<\/span><\/p>\n

    “LPS aims to guarantee and protect public funds placed in banks and insurance companies,” explained Article 3A of the PPSK Bill, quoted by Bisnis, Thursday (8\/12\/2022).\u00a0\u00a0<\/span><\/p>\n

    Meanwhile, Article 5, paragraph (2) states that in carrying out its function as an insurance policy guarantor, LPS has the task of formulating and establishing policies for implementing the policy guarantee program and the policy guarantee program.\u00a0<\/span><\/p>\n

    As for solving the problem of an insurance company whose license has been revoked by the Financial Services Authority (OJK), LPS is given the authority to formulate and implement a liquidation policy.\u00a0<\/span><\/p>\n

    When met by the media crew in early November 2022, Chairman of the LPS Purbaya Board of Commissioners Yudhi Sadewa stated his readiness to become a guarantor for the policy. However, LPS will need time to carry out this new function if approved.\u00a0<\/span><\/p>\n

    “5 years is enough to guarantee an insurance policy and prepare the insurance industry to meet the guarantee requirements,” he said when met in Nusa Dua, Bali, Wednesday (9\/11\/2022).\u00a0<\/span><\/p>\n

    He believes that with the presence of the LPS as a guarantor, public trust in the insurance industry can increase again after being hit by problems in recent years.\u00a0<\/span><\/p>\n

    “The response from insurance industry players has been very positive, especially domestic ones because many insurance cases have hit part of their image. If we see premiums start to grow negatively.\u201d\u00a0<\/span><\/p>\n

    Member of the LPS Board of Commissioners Didik Madiyono added that the guarantee for insurance policies is expected to follow the scheme of guaranteeing bank deposits. Policy guarantees also focus on small customers.\u00a0<\/span><\/p>\n

    Meanwhile, the government and the DPR RI Commission XI working committee agreed and signed the PPSK Bill to be brought to level II at the Plenary Session.<\/span><\/p>\n

    Source: <\/span>\u00a0<\/span>https:\/\/finansial.bisnis.com\/read\/20221209\/215\/1606835\/omnibus-law-keuangan-lps-kini-bisa-jamin-polis-asuransi<\/span><\/a>.<\/span><\/p>\n

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    1. <\/b> \u00a0 \u00a0 \u00a0 \u00a0 <\/span> It turns out that 95% of Wanaartha Life’s obligation to pay comes from<\/b><\/li>\n<\/ol>\n

      KONTAN.CO.ID Savings Plan Products – JAKARTA. The regulator’s plan to review life insurance savings plan products, which are currently widely circulated, feels appropriate. This is because 95% of the liabilities that PT Asuransi Jiwa Adisarana Wanaartha Life (Wanaartha Life) failed to pay came from savings plan products.\u00a0<\/span><\/p>\n

      As a result, the life insurance company had to swallow a bitter pill by having its business license revoked by the Financial Services Authority (OJK) earlier this week. The total liabilities that need to be paid by the company to its shareholders are IDR 15.7 trillion based on audited financial reports in 2020.<\/span><\/p>\n

      \u201c90% or even 95% are savings plan products, only 5% or 10% are traditional products. If we talk about life insurance companies, they should have more in their lives, this is the reverse,” said President Director Adi Yulistanto when met in Mampang Wednesday (7\/12).\u00a0<\/span><\/p>\n

      Adi assessed that if the old management could arrange that traditional products were more dominant, incidents like this would not have happened. Thus, the ability to pay policyholders is still under control.<\/span><\/p>\n

      Not only that, but Adi also revealed that Wanaartha Life’s saving plan product had been banned since 2018. However, the old management continued to sell the product, so they were also given sanctions.\u00a0<\/span><\/p>\n

      “Information at OJK has been banned since 2018. There shouldn’t be any more sales after being banned,” he added.\u00a0<\/span><\/p>\n

      Regarding this savings plan product, Adi also sees that investment placements are not only in deposits. At that time, management also invested by trading stock instruments.<\/span><\/p>\n

      In detail, Adi said that various issuers made placements in stock instruments. In this case, issuers included in the LQ45 to so-called fried shares are also owned. “That ended up being a portfolio worth Rp. 2.7 trillion that was confiscated by the prosecutor’s office, including those traded,” he concluded.<\/span><\/p>\n

      Source: <\/span>\u00a0<\/span>https:\/\/newssetup.kontan.co.id\/news\/ternyata-95-dari-kewajiban-bayar-wanaartha-life-berasal-dari-product-saving-plan<\/span><\/a>.<\/span><\/p>\n

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      1. <\/b> \u00a0 \u00a0 \u00a0 \u00a0 <\/span> Here’s the Forecast for the Insurance Industry Next Year Amid the Threat of a Recession<\/b><\/li>\n<\/ol>\n

        Jakarta – PT Sun Life Financial (Sun Life Indonesia) projects that the insurance industry will remain strong amid the threat of a global recession next year. Sun Life Indonesia Chief Distribution Officer Danning Wikanti said asset diversification is needed to invest amid global challenges.<\/span><\/p>\n

        “As stated by financial experts, asset diversification is an investment strategy in dealing with a recession because it acts as checks and balances for losses that occur during a recession,” said Danning in his statement Tuesday (6\/12\/2022).<\/span><\/p>\n

        Danning said Sun USD Guaranteed insurance provides certainty of US dollar yields of 3.1% net per year. “Equipped with life protection, this product can be an alternative solution amid economic uncertainty predicted to occur in the coming year,” he explained.<\/span><\/p>\n

        He continued Sun USD Guaranteed insurance is the answer for customers who need life insurance protection with guaranteed returns but allows them to start diversifying investments.<\/span><\/p>\n

        The flexibility offered by this product, combined with the benefits of life protection and investment in foreign exchange, makes Sun USD Guaranteed insurance in line with the financial goals of many people in uncertain times like today.<\/span><\/p>\n

        According to Danning, Sun USD Guaranteed insurance is a one-time life insurance denominated in US dollars that provides death benefits and end-of-contract benefits. This product is also expected to allow customers to plan finances and diversify assets, thereby helping families achieve future financial goals in a strong and stable currency.<\/span><\/p>\n

        “The crisis we are facing due to the COVID-19 pandemic has been a difficult learning moment, where people are starting to realize that anyone can be affected by financial risks at any time,” he added.<\/span><\/p>\n

        Based on OJK data, the accumulated premium income for the insurance sector from January to October 2022 reached IDR 255.20 trillion, a growth of 1.81% compared to the same period in the previous year (yoy).<\/span><\/p>\n

        Likewise, the accumulation of general insurance premiums grew by 16.93% yoy during the same period, reaching IDR 97.78 trillion as of October 2022. However, the collection of life insurance premiums contracted by -5.76% yoy compared to the previous period, with a value of IDR 157.42 trillion as of October 2022.<\/span><\/p>\n

        Meanwhile, capital in the IKNB sector was maintained, with the life insurance and general insurance industries recording Risk-Based Capital (RBC) of 464.24% and 313.71%.<\/span><\/p>\n

        Even though the RBC is on a downward trend and the RBC of several insurance companies is closely monitored, the insurance industry’s RBC in aggregate is still above the threshold of 120%. Likewise, the gearing ratio of finance companies was recorded at 2.01 times or far below the maximum limit of 10 times.<\/span><\/p>\n

        Source:<\/span> https:\/\/finance.detik.com\/moneter\/d-6446762\/begini-ramalan-industri-asuransi-tahun-depan-di-tengah-ancaman-resesi<\/span><\/a>.<\/span><\/p>\n

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        1. <\/b> \u00a0 \u00a0 \u00a0 \u00a0 <\/span> Jasindo to Jiwasraya laying off employees, what’s wrong with the insurance industry?<\/b><\/li>\n<\/ol>\n

          Jakarta – The shocks hit the insurance industry. Recently, several insurance companies have taken steps to terminate their employment (PHK) for various reasons.<\/span><\/p>\n

          Responding to this condition, Executive Director of the Indonesian General Insurance Association (AAUI) Bern Dwyanto said this step was due to insurance companies starting to improve to prepare for conditions in the future.<\/span><\/p>\n

          “What is happening now is more because the company is starting to improve to prepare for the future,” he told detikcom Friday (9\/12\/2022).<\/span><\/p>\n

          Bern explained that the domestic insurance industry is preparing to face global economic conditions in 2023, which are predicted to be more difficult. Therefore it needs adaptation and business transformation.<\/span><\/p>\n

          “Where business models and processes are made more efficient, so they can survive the increasingly fierce competition,” said Bren.<\/span><\/p>\n

          On the other hand, digitalization in the insurance industry is increasing. This means that the use of digital applications is increasingly intensified. But Bren also emphasized that this did not directly impact increasing layoff activity.<\/span><\/p>\n

          “Not directly layoffs that occur due to the impact of the use of technology,” he said.<\/span><\/p>\n

          According to him, technology cannot always replace the role of humans. He also explained the use of the application itself is more to make it easier for the public to recognize their needs and understand insurance products.<\/span><\/p>\n

          “The use of digital applications will make it easier for people to get to know their needs, understand the appropriate insurance products, and be able to buy or have insurance that suits their needs,” he explained.<\/span><\/p>\n

          As additional information, recently, several insurance companies have carried out layoffs. Some of them were recorded: PT Asuransi Jasa Indonesia (Persero) or Jasindo. Jasindo closed 43 of its offices and took action to lay off 262 of its employees.<\/span><\/p>\n

          Not only that, but there is also PT Asuransi Jiwasraya (Persero), where around 189 employees are threatened with layoffs. It was revealed that the reason involved the company’s incompetence in financial matters until its plan was completely closed.<\/span><\/p>\n

          Source: <\/span>\u00a0<\/span>https:\/\/finance.detik.com\/moneter\/d-6451913\/jasindo-dinding-jiwasraya-phk-karyawan-ada-apa-dengan-industri-asuransi<\/span><\/a>.\u00a0<\/span><\/p>\n

          \u00a0<\/span><\/p>\n

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          1. <\/b> \u00a0 \u00a0 \u00a0 \u00a0 <\/span> Guessing the Direction of Post-pandemic Life Insurance Product Innovation\u00a0<\/b><\/li>\n<\/ol>\n

            MEDIO’s fourth quarter 2022 post-pandemic, to be precise, towards the end of November 2022, the Indonesian Life Insurance Association (AAJI) released the performance of insurance premiums for the life insurance industry in the third quarter of 2022, which still experienced a contraction of 3.8 percent compared to the same last year.\u00a0<\/span><\/p>\n

            This means that the life insurance industry has yet to fully recover from the Covid-19 pandemic and still needs time to improve.\u00a0<\/span><\/p>\n

            This condition is coupled with the latest release by the Financial Services Authority (OJK), which revoked the license of a life insurance company, namely Wanaarta Life, which means that it adds to the public’s negative perception of the life insurance industry.\u00a0<\/span><\/p>\n

            Of course, these things become burdensome homework for actors and stakeholders in the life insurance industry to immediately take measurable steps so that they can quickly escape the shadow of a pandemic and, at the same time, improve the negative stigma in society.\u00a0<\/span><\/p>\n

            None of these problems are new. However, the pandemic has “magnified” the scope of the situation towards a new playing field completely different from before.\u00a0<\/span><\/p>\n

            The good news is that these conditions create much larger windows of innovation.\u00a0<\/span><\/p>\n

            For example, digitization is (perhaps) still half-hearted, but at the same time allows life insurance companies to fundamentally rethink the life insurance, business model.\u00a0<\/span><\/p>\n

            This includes developing new products and building new flexibility in the life insurance product innovation process, which is currently in dire need of novelty.\u00a0<\/span><\/p>\n

            From another point of view, Indonesia’s economic condition, which is still under pressure, has made consumers more selective in choosing life insurance products. Ultimately, it must be acknowledged that the life insurance industry has become a red ocean of bloody competition.\u00a0<\/span><\/p>\n

            Meanwhile, the phenomenon of startups in the financial services sector has also created new pressures, given how the adoption of digital financial service products has raised the standard of consumer expectations for the novelty of life insurance products.\u00a0<\/span><\/p>\n

            Innovation of new products in the life insurance industry is now more important than ever and is unavoidable.\u00a0<\/span><\/p>\n

            Product development in the life insurance industry is generally built on risks that require the application of underwriting rules and standards.\u00a0<\/span><\/p>\n

            While this approach is rational, it lacks an understanding of consumer behavior and has resulted in a life insurance industry obsessed with competitive action instead of understanding consumer cues.\u00a0<\/span><\/p>\n

            This approach results in commodification and makes life insurance companies more likely to ignore emerging but significant risks.\u00a0<\/span><\/p>\n

            There are several things that must be considered in estimating the big picture of the challenges of the life insurance industry in the future from the most important point of view, namely, the product.\u00a0<\/span><\/p>\n

            Without properly understanding this point of view, industry players will be increasingly trapped in a market that is already very saturated.\u00a0<\/span><\/p>\n

            The paradox of too many choices of Life Insurance products\u00a0<\/b><\/p>\n

            In the post-pandemic era, one of the things that should be observed for the future of the life insurance industry is that there are too many choices of life insurance products that have the same range of features.<\/span><\/p>\n

            This tight range of product features will unknowingly give rise to the Paradox of Choice. The paradox affects consumer perception because they are faced with too many product choices, making it difficult for them to choose.\u00a0<\/span><\/p>\n

            It is true that the life insurance industry has developed a lot of new products with many options available.\u00a0<\/span><\/p>\n

            There may be hundreds of choices of types of life insurance products that must be faced by consumers, not to mention they are faced with other social choices.\u00a0<\/span><\/p>\n

            Many argue that such a wide choice of life insurance products will increase consumer satisfaction because people are more likely to find one option that suits their particular wants and needs. However, this makes it difficult for consumers to choose.\u00a0<\/span><\/p>\n

            It is easier for consumers to consider product A when there is only one other option: product B. But it is difficult to measure the value and utility of product A when there is option AZ.\u00a0<\/span><\/p>\n

            As a result, consumers face choice overload and become less selective with their choices.\u00a0<\/span><\/p>\n

            Life insurance product innovation\u00a0<\/b><\/p>\n

            Theoretically, innovative products can bypass stagnant markets and meet consumer needs in exciting new ways.\u00a0<\/span><\/p>\n

            At its core, product innovation enables businesses to stay relevant and drive growth.<\/span><\/p>\n

            Therefore, the urgency for life insurance industry players to develop ideas for new, more innovative products is a new post-pandemic challenge.\u00a0<\/span><\/p>\n

            Unknowingly what often happens is the understanding of product innovation opportunities is only done for the benefit of the company rather than the needs of consumers.\u00a0<\/span><\/p>\n

            Successful companies always find ways to increase product innovation and gain competitive advantage.\u00a0<\/span><\/p>\n

            Life insurance companies can use new product innovation by developing products that address the needs of their consumers or create new demands for them.\u00a0<\/span><\/p>\n

            In addition, life insurance companies must redefine the point of view in developing a new product, namely the point of view of whether the new product can solve consumer problems.\u00a0<\/span><\/p>\n

            If the new product cannot solve the consumer’s problem, it is certain that the product will only become a liability.\u00a0<\/span><\/p>\n

            Life insurance companies should refrain from being tempted to carry out radical innovations and\/or try to disrupt the market.\u00a0<\/span><\/p>\n

            The hard and most important part is more than just coming up with radical ideas for new products. The hardest part was driving the adoption of these new products and being able to solve consumer problems with manageable risk while keeping costs under control.<\/span><\/p>\n

            Source:<\/span> https:\/\/money.kompas.com\/read\/2022\/12\/07\/080000226\/menebak-arah-inovasi-product-asuransi-jiwa-pasca-pandemi?page=all#page2<\/span><\/a>.\u00a0<\/span><\/p>\n

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            1. <\/b> \u00a0 \u00a0 \u00a0 \u00a0 <\/span> Services Authority\u00a0<\/b><\/li>\n<\/ol>\n

              (OJK) plans to review funds to review the saving plan insurance products offered by the company shortly.\u00a0<\/span><\/p>\n

              Please note a Saving plan is a type of insurance product that offers life insurance for a certain period of time and savings or investment benefits that can be disbursed.<\/span><\/p>\n

              Insurance observer Irvan Rahardjo said that since the Jiwasraya case with the savings plans, there had been no ban on this product.\u00a0<\/span><\/p>\n

              The savings plan came to OJK’s attention after Wanaartha Life also had problems with similar insurance products.\u00a0<\/span><\/p>\n

              “OJK is very weak in terms of supervision. On the one hand, it is over-regulated, but on the other hand, the supervision is weak,” he told Kompas.com Thursday (12\/8\/2022).\u00a0<\/span><\/p>\n

              Irvan highlighted that until now, the savings plan insurance product had been allowed by the OJK.\u00a0<\/span><\/p>\n

              Meanwhile, according to predictions, 13 insurance companies under OJK supervision also have a savings plan product.\u00a0<\/span><\/p>\n

              “For this reason, the 13 companies should be opened by anyone so that the public knows who the 13 companies are, he explained.\u00a0<\/span><\/p>\n

              “OJK must open all savings plan actors,” he added\u00a0<\/span><\/p>\n

              . Ogi Prastomiyono said that this savings plan product often has problems with several insurance companies,\u00a0<\/span><\/p>\n

              one of which is the case that occurred with PT Asuransi Jiwa Adisarana Wanaartha (Wanaartha Life) and PT Asuransi Jiwasraya (Persero).<\/span><\/p>\n

              Therefore, OJK will carry out a survey of saving products. Plans are issued by insurance companies so that similar cases do not recur.\u00a0<\/span><\/p>\n

              “So we want that shortly we will conduct a product survey rather than a savings plan,” he said during a virtual press conference Wednesday (7\/12\/2022)<\/span><\/p>\n

              .<\/span> https:\/\/money.kompas.com\/read\/2022\/12\/09\/090000326\/product-asuransi-saving-plan-bakal-dievaluation-pengamat-value-pengawasan-ojk<\/span><\/a>.\u00a0<\/span><\/p>\n

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              1. <\/b> \u00a0 \u00a0 \u00a0 \u00a0 <\/span> The insurance industry is advised to boost efficiency through digitalization<\/b><\/li>\n<\/ol>\n

                Jakarta (ANTARA) – The insurance industry is advised to boost efficiency through digitalization amid the many insurance companies that have recently failed to pay their bills.<\/span><\/p>\n

                Wanaartha Life’s problems have added to the series of cases in the insurance industry in recent years, such as Bumiputera, Kresna Life, Jiwasraya, and Jasindo, so serious reforms are needed in the insurance industry to prevent similar problems from recurring in the future.<\/span><\/p>\n

                According to Insurance Observer Dedy Kristianto to Antara in Jakarta, Thursday, one solution that can be taken is to digitize product sales. This is believed to be able to create significant efficiencies for the company’s operational expenses.<\/span><\/p>\n

                The reason is that several insurance companies are in trouble, he said, stemming from the company’s aggressive efforts to make a profit to cover the high operating expenses. Therefore operational cost efficiency is critical to avoid default problems.<\/span><\/p>\n

                “Digitalization, if carried out correctly and appropriately, can greatly reduce the operational costs of insurance companies. When more costs can be reduced, later product prices and premiums paid by policyholders will be cheaper,” said Dedy.<\/span><\/p>\n

                With an emphasis on operating costs, he continued, the insurance company’s income will increase and can be allocated to other things. The transition to product sales through digitization will reduce paper costs, which usually contain explanations of policy benefits, to employee costs in direct marketing to prospective customers.<\/span><\/p>\n

                He continued through digitization that these expenses could be replaced by electronic mail and meetings via video calls, which only cost internet quota.<\/span><\/p>\n

                Dedy believes that the implementation of digitalization as a form of insurance industry reform must be accompanied by an increase in the supervisory and regulatory functions of the Financial Services Authority (OJK) as a regulator.<\/span><\/p>\n

                “OJK must issue strong, binding, and firm rules regarding this digitization,” he said.<\/span><\/p>\n

                On the other hand, he said, financial literacy must also be continuously improved so that people can use digitalization for productive needs, such as participating in insurance. Financial literacy is also needed so that people can be more literate about insurance products and the sustainability of insurance companies.<\/span><\/p>\n

                In the aftermath of the revocation of Wanaartha Life’s business license due to default, OJK is now reviewing savings plan products at several insurance companies because Wanaartha Life’s marketing of products similar to savings plans is not following the permits granted by OJK, one of which is related to the promised returns. Very high.<\/span><\/p>\n

                Additionally, the OJK also supervised 13 insurance companies that were in trouble, consisting of seven life insurance companies and six general insurance companies, including reinsurance.<\/span><\/p>\n

                “We are continuously monitoring these companies, and we are coordinating with shareholders, directors, and company commissioners to be rescued,” OJK Chief Executive for Non-Bank Financial Industry Supervisory (IKNB) Ogi Prastomiyono said in a press conference some time ago.<\/span><\/p>\n

                Source:<\/span> https:\/\/www.antaranews.com\/berita\/3293475\/industri-asuransi-disarankan-genjot-efficiency-pass-digitalization<\/span><\/a>\u00a0<\/span><\/p>\n

                This information is presented by <\/span>L&G Insurance Broker<\/b><\/a> – <\/b>The Smart Insurance Broker\u00a0<\/span><\/p>\n

                \u2014<\/b><\/h3>\n

                LOOKING FOR INSURANCE PRODUCTS? DON’T WASTE YOUR TIME AND CONTACT US RIGHT NOW<\/b><\/h3>\n

                L&G HOTLINE 24 HOURS: 0811-8507-773 (CALL \u2013 WHATSAPP \u2013 SMS)<\/b><\/h4>\n

                website: lngrisk.co.id<\/span><\/p>\n

                E-mail: customer.support@lngrisk.co.id<\/span><\/p>\n

                \u2014<\/span><\/p>\n

                 <\/p>","protected":false},"excerpt":{"rendered":"

                Liga Asuransi – Dear readers, how are you? As usual, we will always present 7 choices of information for you about the world of the Indonesian insurance industry. We hope that this news can be of benefit to you. If you are interested, please share with your colleagues, so they also understand like you. Financial […]<\/p>\n","protected":false},"author":7,"featured_media":2111,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[155,299,326],"class_list":{"0":"post-4617","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ulas-berita","8":"tag-asuransi-indonesia","9":"tag-berita-asuransi","10":"tag-broker-asuransi"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/4617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=4617"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/4617\/revisions"}],"predecessor-version":[{"id":4618,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/4617\/revisions\/4618"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/2111"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=4617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=4617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=4617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}