{"id":9722,"date":"2026-04-06T14:18:45","date_gmt":"2026-04-06T07:18:45","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9722"},"modified":"2026-04-06T14:18:45","modified_gmt":"2026-04-06T07:18:45","slug":"43-pekerjaan-asuransi-terancam-hilang-ai-otomatisasi-ubah-total-industri-di-2030-dan-7-berita-asuransi-terupdate-di-indonesia","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/43-pekerjaan-asuransi-terancam-hilang-ai-otomatisasi-ubah-total-industri-di-2030-dan-7-berita-asuransi-terupdate-di-indonesia\/","title":{"rendered":"43% of Insurance Jobs at Risk of Loss! AI & Automation Will Completely Transform the Industry by 2030: And 7 of the Latest Insurance News in Indonesia"},"content":{"rendered":"

The Indonesian insurance industry is currently at the brink of major transformation. From soaring healthcare costs and government stimulus in the property sector, to global pressures and technological disruption, all are shaping the industry’s new direction in 2026.<\/span><\/p>\n

Not only that, changes in people’s behavior, regulatory challenges, and the threat of automation are also pushing insurance companies to adapt faster than ever before.<\/span><\/p>\n

In this roundup, we’ve rounded up the 7 hottest and most impactful insurance news stories you should know about, from the risks lurking to the significant opportunities you can capitalize on.<\/span><\/p>\n

Hospital Costs Are Rising! Without Insurance, Your Savings Can Be Depleted in an Instant<\/b><\/h3>\n

Indonesians’ awareness of the importance of health insurance has increased significantly as medical costs soar. This has prompted a shift in mindset, where insurance is no longer considered a secondary need but rather a vital part of family financial protection. Unexpected health risks can significantly impact economic stability, especially if not anticipated with adequate protection.<\/span><\/p>\n

Health insurance offers a solution to shift the burden of ever-increasing medical costs to service providers. Not only does it cover medical expenses, but insurance also plays a role in safeguarding accumulated assets from being depleted by urgent medical needs. By choosing the right policy, people can still access quality healthcare without undue financial stress.<\/span><\/p>\n

In the long term, the role of insurance is increasingly evolving as part of integrated financial planning. The insurance industry is also shifting toward a more holistic approach, offering incentives for customers who adopt a healthy lifestyle. This transformation demonstrates that insurance serves not only as protection but also as an investment in a better and more sustainable quality of life.<\/span><\/p>\n

Source:<\/span> https:\/\/www.beritasatu.com\/network\/jabar-online\/806675\/cara-memilih-asuransi-kesehatan-terbaik-dan-prosedur-klaim-tanpa-hambatan<\/span><\/a><\/p>\n

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Tax Incentives Extended! Property Insurance Predicted to Boom in 2026<\/b><\/h3>\n

The government has officially extended the Government-Borne Value Added Tax (PPN DTP) incentive for the property sector until 2026. This policy applies to landed houses and apartments with a value of up to IDR 5 billion, and is projected to have a domino effect on the insurance industry, especially general insurance in the property line.<\/span><\/p>\n

The Financial Services Authority (OJK) assesses that every property transaction, especially those involving financing such as mortgages, is almost always accompanied by insurance coverage. This means that increased property buying and selling activity will directly drive demand for property insurance products. This presents a significant opportunity for insurance companies to expand market penetration, including into the retail segment.<\/span><\/p>\n

Data shows the general insurance industry’s performance is quite solid. As of January 2026, premiums grew 13.66 percent year-on-year, with property insurance the primary contributor, increasing by 46.40 percent. This trend indicates that the property sector remains a key driver of industry growth.<\/span><\/p>\n

Furthermore, the industry’s capitalization is also considered very strong, with Risk-Based Capital (RBC) well above the minimum threshold. The combination of government stimulus and sound industry fundamentals reinforces optimism that the property insurance sector will continue to grow throughout 2026.<\/span><\/p>\n

Source:<\/span> https:\/\/mediaasuransinews.co.id\/asuransi\/insentif-ppn-dtp-untuk-properti-diyakini-dongkrak-kinerja-asuransi-harta-benda\/<\/span><\/a><\/p>\n

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Eid al-Fitr Return Traffic = Danger Zone! Jasindo Warns of High Risks, Don’t Venture Without Insurance<\/b><\/h3>\n

PT Asuransi Jasa Indonesia (Asuransi Jasindo) reminds the public of the high risk of travel during the peak of the 2026 Eid al-Fitr return flow. Unlike the homecoming flow, the return flow phase is considered to have the same potential danger, and even tends to increase due to the physical condition of homecoming travelers who are already tired after the long journey.<\/span><\/p>\n

Jasindo Corporate Secretary, Brellian Gema Widayana, emphasized that fatigue, decreased concentration, and increased traffic volumes combine to create serious road risks. This is reinforced by data from the Indonesian National Police Traffic Corps (Korlantas Polri), which shows that the homecoming and return travel periods are among the highest contributors to accidents each year, with human error the primary cause.<\/span><\/p>\n

As a mitigation measure, Jasindo, in collaboration with IFG Group, is offering a personal accident protection program for travelers traveling home, with coverage of up to IDR 100 million. This protection covers the risks of death, total permanent disability, and medical expenses resulting from accidents during the trip.<\/span><\/p>\n

This return flow momentum also serves as a reminder that public awareness of the importance of travel insurance still needs to be increased. Insurance should be considered part of travel planning, not simply an optional extra, so people can travel more safely and with peace of mind amidst unforeseen risks.<\/span><\/p>\n

Source:<\/span> https:\/\/mediaasuransinews.co.id\/asuransi\/arus-balik-lebaran-asuransi-jasindo-dorong-kembali-pentingnya-proteksi-perjalanan\/<\/span><\/a><\/p>\n

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Hit by Geopolitics and US Tariffs! Marine Cargo Insurance Threatens to Decline in 2026<\/b><\/h3>\n

Global pressures are expected to overshadow the performance of the marine cargo insurance industry throughout 2026. The Financial Services Authority (OJK) stated that the United States’ reciprocal tariff policy and escalating global geopolitical tensions have the potential to depress international trade flows. This situation will directly impact the marine insurance sector, which is highly dependent on export and import volumes.<\/span><\/p>\n

Ogi Prastomiyono, Chief Executive of the Insurance Supervisory Agency (OJK), stated that the decline in global trade not only risks suppressing premium growth but also increases potential risks in the transportation of goods. This situation requires industry players to be more adaptive in facing uncertain global dynamics.<\/span><\/p>\n

OJK data as of January 2026 shows that marine cargo insurance premiums were recorded at IDR 1.33 trillion, contributing 7.23 percent to total premiums. However, this figure decreased by 11.91 percent year-on-year, reflecting the growing pressure in this sector.<\/span><\/p>\n

As a precautionary measure, the Financial Services Authority (OJK) is encouraging insurance companies to strengthen underwriting practices, adjust premium rates, and enhance more prudent risk management. This strategy is considered crucial to maintaining industry performance stability amid ongoing global pressures.<\/span><\/p>\n

Source:<\/span> https:\/\/keuangan.kontan.co.id\/news\/ojk-sebut-gejolak-geopolitik-dan-tarif-as-bayangi-bisnis-asuransi-marine-cargo<\/span><\/a><\/p>\n

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Deadline Nears! Sharia Insurance Spin-Off Threatened with Failure, OJK Reveals Major Problems<\/b><\/h3>\n

The Financial Services Authority (OJK) has revealed a number of serious challenges facing the insurance industry in the process of separating Sharia Business Units (UUS) ahead of the December 2026 deadline. The main obstacles that emerged include limited capital, operational infrastructure readiness, and a lack of competent human resources (HR) in the Sharia insurance sector.<\/span><\/p>\n

Ogi Prastomiyono, Chief Executive of the Insurance Supervisory Agency (OJK), emphasized that these factors are crucial for a company’s success in establishing an independent or fully-fledged sharia entity. Furthermore, companies are required to prepare organizational structures and governance in accordance with regulations to ensure an optimal transition process.<\/span><\/p>\n

OJK data as of February 2026 shows that of the total number of companies with UUS, only three have successfully completed spinoffs, while five others are still in the process. Twenty companies have not even submitted spinoff plans, potentially risking delays.<\/span><\/p>\n

The Financial Services Authority (OJK) has also taken proactive steps by providing assistance and opening intensive dialogue with industry players. The regulator warned that delays in planning could impact future operations and business sustainability, given the complexities of the separation process.<\/span><\/p>\n

Source:<\/span> https:\/\/www.stabilitas.id\/progres-spin-off-asuransi-syariah-ojk-ungkap-kendala-sdm-dan-infrastruktur-operasional\/<\/span><\/a><\/p>\n

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Targeting 7% Growth! OJK Unveils Tough Requirements to Prevent Insurance Assets from Stagnant in 2026<\/b><\/h3>\n

The Financial Services Authority (OJK) projects that the Indonesian insurance industry will continue to record asset growth in 2026, despite various challenges. The regulator estimates asset growth in the range of 5% to 7%, provided the industry maintains strong business fundamentals.<\/span><\/p>\n

Ogi Prastomiyono, Chief Executive of the Financial Services Authority (OJK), emphasized that achieving this target will not happen automatically. Insurance companies are required to strengthen capital, improve governance, and implement more disciplined risk management. Furthermore, product quality and distribution strategies must be enhanced to remain relevant to market needs.<\/span><\/p>\n

On the other hand, industry players also need to be aware of a number of pressures, such as financial market volatility, high claims in some business lines, and demands for operational efficiency. These factors are considered capable of hampering growth if not managed effectively.<\/span><\/p>\n

Meanwhile, the Financial Services Authority (OJK) projects higher pension fund performance growth of around 10% to 12% by 2026. This growth will be driven by investment optimization, strengthened governance, and expanded participant numbers. The OJK believes that increasing participation is key to accelerating pension fund assets going forward.<\/span><\/p>\n

Source:<\/span> https:\/\/keuangan.kontan.co.id\/news\/proyeksi-ojk-di-2026-aset-asuransi-tumbuh-5-7-dan-dapen-naik-10-12<\/span><\/a><\/p>\n

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43% of Insurance Jobs at Risk of Loss! AI & Automation Will Completely Transform the Industry by 2030<\/b><\/h3>\n

The global insurance industry is facing major disruption due to the acceleration of digital technology and automation. A recent report from Aon revealed that up to 43 percent of tasks in the insurance sector could be replaced by technology by 2030. In fact, approximately 97 percent of insurance companies are already accelerating the implementation of automation in their operations.<\/span><\/p>\n

These changes are forcing companies to completely overhaul their workforce strategies. In a report titled<\/span>\u201cThree Roles for Building the Next Generation Insurance Workforce\u201d<\/span><\/i>Aon emphasized that talent is now a key factor in maintaining a company’s competitiveness and profitability. Skills in data analytics, digital technology, cyber, and climate and ESG issues are increasingly in demand.<\/span><\/p>\n

Interestingly, as many as 65 percent of candidates reportedly withdrew from the recruitment process due to an unattractive work culture or Employee Value Proposition (EVP). This suggests that companies must focus not only on technology but also on an attractive work environment.<\/span><\/p>\n

Aon also identified three future talent profiles: insurance practitioners with enhanced digital capabilities, industry futurists capable of interpreting complex risks, and change orchestrators leading organizational transformation. Adaptation is key to the industry’s continued relevance in the digital age.<\/span><\/p>\n

Source:<\/span> https:\/\/mediaasuransinews.co.id\/asuransi\/otomatisasi-mengancam-43-tugas-di-industri-asuransi-pada-2030\/<\/span><\/a><\/p>\n

From increasing public awareness of the importance of protection, government policy encouragement, to global challenges and technological revolutions, the insurance industry continues to move dynamically and is full of change.<\/span><\/p>\n

2026 is a crucial year for insurance companies to adapt, innovate, and strengthen their business foundations to remain relevant amidst increasingly fierce competition.<\/span><\/p>\n

For the public, this situation also serves as a reminder that insurance is no longer just an option, but rather an essential need for maintaining financial stability in the future.<\/span><\/p>\n

By understanding the latest trends and developments, you can make more informed decisions, both as an industry player and as an individual seeking protection from various unforeseen risks.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

The Indonesian insurance industry is currently at the brink of major transformation. From soaring healthcare costs and government stimulus in the property sector, to global pressures and technological disruption, all are shaping the industry’s new direction in 2026. Not only that, changes in people’s behavior, regulatory challenges, and the threat of automation are also pushing […]<\/p>\n","protected":false},"author":8,"featured_media":9726,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[299,1607],"class_list":{"0":"post-9722","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ulas-berita","8":"tag-berita-asuransi","9":"tag-trend-asuransi"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9722","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=9722"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9722\/revisions"}],"predecessor-version":[{"id":9727,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9722\/revisions\/9727"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9726"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9722"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9722"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9722"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}