{"id":7333,"date":"2025-04-18T08:26:02","date_gmt":"2025-04-18T01:26:02","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=7333"},"modified":"2025-04-18T08:26:02","modified_gmt":"2025-04-18T01:26:02","slug":"regulasi-baru-asuransi-kesehatan-segera-terbit-mei-2025-industri-siap-siap-hadapi-aturan-super-ketat-dari-ojk-dan-7-berita-asuransi-terupdate-dan-terlengkap","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/regulasi-baru-asuransi-kesehatan-segera-terbit-mei-2025-industri-siap-siap-hadapi-aturan-super-ketat-dari-ojk-dan-7-berita-asuransi-terupdate-dan-terlengkap\/","title":{"rendered":"New Health Insurance Regulations Coming Soon in May 2025! Industry Gets Ready to Face Super Strict Rules from OJK: And 7 of the Latest and Most Complete Insurance News"},"content":{"rendered":"

Liga Asuransi<\/span><\/a> – The Indonesian insurance world is moving dynamically! Starting from new regulations that will shake up the health insurance sector, to the huge potential of the marine cargo line which has not yet been fully exploited. In the midst of these challenges and opportunities, industry players need to be prepared to face the big changes that will come, including LPS’s new mandate to guarantee insurance starting in 2028. This article summarizes 7 of the most updated and complete news in the world of insurance that you must pay attention to, especially for those of you who are involved in the financial, logistics and business risk protection sectors.<\/span><\/p>\n

Insurance Claim Ratio Drops in 2025! This is the secret behind it that not many people know<\/b><\/h3>\n

The insurance industry in Indonesia recorded a decline in the claims ratio in early 2025. According to the Financial Services Authority (OJK), this decline was largely influenced by insurance companies’ steps to adjust health insurance premium rates\u2014or <\/span>repricing<\/span><\/i>\u2014following a surge in medical inflation in the previous year.<\/span><\/p>\n

Ogi Prastomiyono, Chief Executive of OJK Insurance, Guarantee and Pension Fund Supervision, said that medical cost inflation in 2024 will reach 10.1%, much higher than general inflation of only 3%. This forces many insurance companies to increase premiums to maintain financial stability.<\/span><\/p>\n

“The claims ratio has indeed fallen due to repricing. This is in response to our very high medical inflation, even higher than the global average of 6.5%,” said Ogi at the OJK Board of Commissioners (RDK) Meeting, Friday (11\/4).<\/span><\/p>\n

To respond to this condition as a whole, OJK is currently drafting a new OJK Circular Letter (SEOJK) which will strengthen regulations related to the implementation of health insurance. This regulation is projected to be published in May 2025 after discussions with stakeholders.<\/span><\/p>\n

The SEOJK will include important regulations such as requirements for companies that can sell health insurance products, the formation of a Medical Advisory Board, product design governance, risk management, as well as a benefit coordination scheme with BPJS Health.<\/span><\/p>\n

As of February 2025, OJK noted that the claims ratio for life insurance (conventional and sharia) was at 45.42%, while general insurance was recorded at 34.7%. Throughout 2024, the industry claims ratio will fall slightly to 71.2%, although this figure does not include insurance company operational costs which generally range from 10%\u201315% of total claims.<\/span><\/p>\n

“If we look at the combined claims and OPEX ratio, in 2023 it will still be above 100%, but in 2024 it will start to fall to below 100%. This is quite a positive trend,” added Ogi.<\/span><\/p>\n

With the upcoming regulatory measures and appropriate premium adjustments, the insurance industry is expected to maintain a balance between customer protection and business sustainability.<\/span><\/p>\n

Source: <\/span>https:\/\/keuangan.kontan.co.id\/news\/ojk-rasio-klaim-asuransi-turun-imbas-penyesuaian-premi-kesehatan<\/span><\/a>\u00a0\u00a0\u00a0<\/span><\/p>\n

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Only Contributes 5% of Premiums, Even though Marine Cargo Insurance Could Be a Gold Mine for the Insurance Industry!<\/b><\/h3>\n

In the midst of the great potential of Indonesia’s maritime logistics sector, the contribution of business lines <\/span>marine cargo<\/span><\/i> In the general insurance industry premium income is still relatively small. The latest data shows that only approx <\/span>5%<\/b> of the total premiums of the general insurance industry originating from insurance for the transportation of goods via sea.<\/span><\/p>\n

Wahyudin Rahman, risk management practitioner and General Chair of the Indonesian Insurance Writers Community (Kupasi), assesses that the potential for this business line is very large, but has not yet been exploited optimally. “Indonesia is an archipelagic country with more than 17,000 islands. This means that the distribution of goods between regions is very dependent on sea modes,” he said, quoted on Sunday (13\/4\/2025).<\/span><\/p>\n

According to him, with the increase in domestic shipping volume due to the growth of the e-commerce sector, distribution of basic commodities, logistics and the energy sector, demand for protection for the transportation of goods should also increase. Likewise with the export sector which the government continues to encourage through programs <\/span>go export<\/span><\/i>, creating huge opportunities for marine cargo insurance.<\/span><\/p>\n

Industry data shows that the premium <\/span>marine cargo<\/span><\/i> in 2024 it will reach IDR 5.30 trillion, growing 4.2% from IDR 5.08 trillion in the previous year. Even though it is growing, this figure only contributes 5% of the total premiums for the general insurance industry which reached IDR 112.86 trillion.<\/span><\/p>\n

Why is this figure still small?<\/b><\/p>\n

Wahyudin explained that the low penetration of the marine cargo insurance market was caused by various factors:<\/span><\/p>\n

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  1. Lack of literacy and awareness<\/b> business actors about the importance of protection during the transportation of goods.<\/span><\/li>\n
  2. Assuming that <\/span>insurance only adds to the cost<\/b>, even though the premium is very small compared to the potential loss.<\/span><\/li>\n
  3. Tight tariff competition<\/b>, especially in the domestic market, which makes profit margins increasingly thin.<\/span><\/li>\n
  4. Port and ship infrastructure<\/b> uneven distribution increases the risk of damage to goods.<\/span><\/li>\n
  5. The claims process is complicated and time consuming<\/b>, such as damaged documents and queues for claim disbursement.<\/span><\/li>\n<\/ol>\n

    In fact, the government has made it mandatory to use insurance for transporting goods via <\/span>Minister of Trade Regulation No. 40 of 2020<\/b>, and supervision is carried out by OJK.<\/span><\/p>\n

    Foreign Policy Impact?<\/b><\/p>\n

    Responding to the potential impact of the United States tariff policy on Indonesian exports, Wahyudin explained that the impact on the domestic marine cargo insurance business would be <\/span>very minimal<\/b>.<\/span><\/p>\n

    “Most of our exports to the US use the FOB scheme, so the person who insures the goods is the buyer in the US. The policy is not recorded in Indonesia,” he explained. Only shipments with the CIF scheme must be insured by Indonesian exporters.<\/span><\/p>\n

    In other words, if exports to the US decline due to tariff policies, <\/span>The impact on domestic marine cargo insurance is relatively small<\/b>, except for CIF-based shipments which were also heavily impacted.<\/span><\/p>\n

    The bottom line?<\/b><\/p>\n

    The marine cargo insurance business line is <\/span>gold fields that have not yet been fully exploited<\/b>. If literacy, education and infrastructure challenges can be overcome, marine cargo’s contribution to the general insurance industry could jump well above 5%.<\/span><\/p>\n

    Source: <\/span>https:\/\/finansial.bisnis.com\/read\/20250414\/215\/1868877\/asuransi-marine-cargo-pasar-potensial-yang-belum-optimal<\/span><\/a>\u00a0\u00a0<\/span><\/p>\n

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    Not Just Banks! Starting in 2028, LPS is ready to guarantee your insurance too! Here’s the preparation<\/b><\/h3>\n

    Good news for you insurance policy holders! <\/span>Deposit Guarantee Board (LPS)<\/b> will expand its role, no longer just a “guardian of funds” in the banking sector, but also ready to be <\/span>guarantee of protection<\/span><\/i> in industry <\/span>national insurance<\/b>!<\/span><\/p>\n

    This new mandate comes through <\/span>Law Number 4 of 2023 concerning Development and Strengthening of the Financial Sector (UU P2SK)<\/b>. In these regulations, LPS will start <\/span>guarantee the insurance sector starting in 2028<\/b>.<\/span><\/p>\n

    “LPS was given a new task, a new mandate by the P2SK Law to guarantee insurance quality,” he said <\/span>Fuad Zain<\/b>, Head of LPS Region III Representative Office (Sulawesi, Maluku, Papua), at the event <\/span>Tribune Mo Teased<\/span><\/i> at Studio TribunPalu.com, Monday (14\/4\/2025), as quoted from YouTube.<\/span><\/p>\n

    LPS Prepares Itself to Face Transformation<\/b><\/p>\n

    Fuad explained, LPS is now central <\/span>strengthening human resources and infrastructure<\/b> to be able to carry out his new role optimally. The reason is, insurance coverage is broad\u2014starting from <\/span>life insurance, general insurance, and health<\/b>.<\/span><\/p>\n

    “We are preparing everything to get there,” said Fuad.<\/span><\/p>\n

    With this new role, LPS will not only be the protector of bank customers’ funds, but will also become <\/span>“keep the peace” for insurance policy holders<\/b>. This means that if the insurance company experiences problems, there will be a guarantee mechanism as is currently the case in the banking world.<\/span><\/p>\n

    Regional Strength Mapping<\/b><\/p>\n

    To support this functional expansion, LPS already has <\/span>three regional representative offices<\/b>:<\/span><\/p>\n