{"id":9885,"date":"2026-05-19T10:07:50","date_gmt":"2026-05-19T03:07:50","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9885"},"modified":"2026-05-19T10:07:50","modified_gmt":"2026-05-19T03:07:50","slug":"hantavirus-bikin-masyarakat-panik-asuransi-kesehatan-mendadak-diburu-di-tengah-biaya-medis-yang-makin-gila-dan-7-berita-asuransi-terupdate-di-indonesia","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/hantavirus-bikin-masyarakat-panik-asuransi-kesehatan-mendadak-diburu-di-tengah-biaya-medis-yang-makin-gila-dan-7-berita-asuransi-terupdate-di-indonesia\/","title":{"rendered":"Hantavirus Panic? Health Insurance is Suddenly Sought After Amid Rising Medical Costs!: And 7 of the Latest Insurance News in Indonesia"},"content":{"rendered":"

Amidst global economic turmoil, the threat of cyberattacks, soaring healthcare costs, and major changes to industry regulations, the Indonesian insurance sector is moving toward an increasingly aggressive transformation phase. From cyber insurance plans to protect customer accounts, to the New RBC regulations poised to transform insurance companies’ business strategies, to the surge in public interest in health and sharia insurance, all these developments demonstrate that the insurance industry is no longer merely an add-on, but a vital part of the financial resilience of the community and the business world.<\/span><\/p>\n

Here’s a summary of the 7 most recent insurance news stories that are currently in the spotlight and that you should know about.<\/span><\/p>\n

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Banks Begin Preparing Cyber \u200b\u200bInsurance for Accounts, Banks Could Be Hacked! Perbanas and OJK Discuss New Protection for Customers<\/b>\u00a0<\/span><\/h3>\n

The growing threat of cybercrime has prompted the banking industry to begin developing new protective measures. The National Bank Association (Perbanas) has revealed that it is reviewing the development of a cyber insurance product to protect the financial sector from potential losses resulting from digital attacks.<\/span><\/p>\n

Toto Prasetio, Head of Technology & Security at Perbanas, said the proposal will be discussed with the Financial Services Authority (OJK) as part of efforts to strengthen the resilience of the financial services industry, which is increasingly dependent on digital systems.<\/span><\/p>\n

According to Toto, developing cyber insurance isn’t just about loss protection, but also part of improving governance and risk management in the banking sector. Currently, Perbanas is reviewing the product format, protection mechanisms, and premium calculations to ensure they remain realistic and meet industry needs.<\/span><\/p>\n

In addition to cyber insurance, Perbanas also highlighted the importance of implementing minimum cyber resilience standards in the banking industry. One approach being implemented is the “zero trust” concept, a security system based on the “Never Trust, Always Verify” principle, where every network access must be rigorously verified.<\/span><\/p>\n

Toto believes the banking industry cannot act alone in facing increasingly complex cyber threats. Collaboration between regulators, banks, and external systems is considered key to creating a more secure digital ecosystem.<\/span><\/p>\n

If realized, cyber insurance is predicted to become one of the important new protection products in the digital era, especially as the risk of data breaches, online fraud, and hacker attacks continues to increase in the national financial sector.<\/span><\/p>\n

Source:<\/span> https:\/\/www.antaranews.com\/berita\/5566595\/perbanas-kaji-perumusan-asuransi-siber-untuk-lindungi-sektor-keuangan<\/span><\/a>\u00a0\u00a0<\/span><\/p>\n

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New RBC Regulations Could Change Indonesia’s Insurance Business Strategy! Companies Forced to Tighten Capital and Risk Management<\/b><\/h3>\n

The Indonesian General Insurance Association (AAUI) believes that the implementation of the New Risk-Based Capital (New RBC) scheme currently being prepared by the Financial Services Authority (OJK) will bring significant changes to the business strategies of insurance and reinsurance companies in Indonesia.<\/span><\/p>\n

AAUI Chairman Budi Herawan explained that the New RBC will lead to much more disciplined capital management because the new system is more sensitive to risk. Whereas previously, companies focused solely on meeting minimum solvency ratios, now capital strength will be measured based on their actual risk-absorbing capacity, consistent with each company’s business characteristics.<\/span><\/p>\n

This will not only impact capital, but also impact companies’ investment strategies. Insurance companies will be more cautious in selecting investment assets, considering asset quality, market volatility, investment concentration, and the alignment between assets and long-term liabilities.<\/span><\/p>\n

Furthermore, the New RBC is also predicted to impact underwriting strategies, premium pricing, risk retention, and reinsurance programs. Companies will be more selective in taking risks to ensure they align with their respective capital capacities and risk profiles.<\/span><\/p>\n

Meanwhile, the Financial Services Authority (OJK) revealed that the New RBC trial is currently focused on insurance and reinsurance companies with equity exceeding IDR 5 trillion. The regulator targets finalizing the rules by 2026, with phased implementation beginning in 2027.<\/span><\/p>\n

Through this new system, the OJK hopes that the Indonesian insurance industry will become healthier, more stable, and more in line with international standards amid the increasing complexity of global risks.<\/span><\/p>\n

Source:<\/span> https:\/\/finansial.bisnis.com\/read\/20260515\/215\/1973797\/menakar-dampak-skema-new-rbc-ke-modal-dan-investasi-asuransi-reasuransi#goog_rewarded<\/span><\/a><\/p>\n

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Sharia Life Insurance to Boom in 2025! Assets Reach Rp8 Trillion, Rp6 Billion in Claims Disbursed Daily\u00a0<\/b><\/h3>\n

The Sharia-compliant life insurance industry is expected to see increasingly aggressive growth throughout 2025. Total assets are expected to surge 20% to reach IDR 8 trillion, while new business growth is expected to reach around IDR 1 trillion. This performance reflects growing public interest in Sharia-compliant protection products amidst growing financial awareness.<\/span><\/p>\n

Prudential Syariah President Director Iskandar Ezzahuddin stated that the double-digit growth strongly indicates the growing trust of Indonesian families in sharia insurance services. In addition to new business growth, the company’s gross contribution reached Rp 4.2 trillion, with a market share of approximately 22%, strengthening the sharia industry’s position in the national market.<\/span><\/p>\n

On the investment side, the company’s investment assets increased 17% to Rp6 trillion. This performance was supported by increasingly disciplined and prudent portfolio and participant fund management. The company’s financial condition is also considered very healthy, as evidenced by the Company Fund’s Risk-Based Capital (RBC) of 1,496% and the Tabarru’ Fund’s RBC of 209%, well above the regulatory minimum.<\/span><\/p>\n

Not only did the company record asset growth, it also paid claims and benefits totaling Rp2.2 trillion throughout 2025, equivalent to approximately Rp6 billion per day, to participants.<\/span><\/p>\n

This performance demonstrates that the sharia life insurance industry is increasingly mature, stable, and trusted as a long-term financial protection solution based on sharia principles in Indonesia.<\/span><\/p>\n

Source:<\/span> https:\/\/economy.okezone.com\/read\/2026\/05\/15\/320\/3218531\/aset-naik-ke-rp8-triliun-bisnis-asuransi-syariah-tumbuh-31<\/span><\/a>\u00a0\u00a0<\/span><\/p>\n

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Hantavirus Panic? Health Insurance is Suddenly Sought After Amid Rising Medical Costs!<\/b>\u00a0<\/span><\/h3>\n

Growing public concern about the potential spread of hantavirus has begun to lead to a surge in awareness of the importance of health insurance. Amid the threat of new infectious diseases and rising medical inflation, people are increasingly aware that healthcare costs can become a significant financial burden if not prepared early.<\/span><\/p>\n

Hantavirus itself is a group of viruses transmitted by rodents such as rats and mice and can cause serious respiratory and kidney problems. Although its distribution varies by region, the emergence of this virus has brought back memories of the COVID-19 pandemic several years ago.<\/span><\/p>\n

Prudential Syariah President Director Iskandar Ezzahuddin stated that the increasing demand for health insurance had actually begun to emerge since the Covid-19 pandemic in 2020. He noted that public awareness of the importance of health protection increased sharply after the pandemic and continues to this day.<\/span><\/p>\n

This is reflected in Prudential Syariah’s new business premium growth, which surged 31% throughout 2025, far exceeding the industry market growth of only around 13%. Iskandar cited concerns about infectious diseases like Covid-19 and hantavirus as a key driving factor.<\/span><\/p>\n

However, the insurance industry also faces significant challenges in the form of rising medical inflation. Therefore, Prudential Syariah supports the Financial Services Authority (OJK) in establishing a new direction for healthcare product development to ensure the industry remains healthy and sustainable amidst the growing need for public protection.<\/span><\/p>\n

Source:<\/span> https:\/\/investortrust.id\/lifestyle\/103105\/ramai-isu-hantavirus-bikin-kesadaran-masyarakat-punya-asuransi-kesehatan-makin-tinggi<\/span><\/a>\u00a0\u00a0<\/span><\/p>\n

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Insurance Premiums to Start to Tumble in 2026! Asei Reveals the Heavy Pressure Silently Hitting the Industry<\/b>\u00a0<\/span><\/h3>\n

PT Asuransi Asei Indonesia revealed that the general insurance industry is facing significant challenges in early 2026. Pressures are coming from various directions, ranging from slowing business activity, declining purchasing power, to high global reinsurance costs, which are further slowing premium growth.<\/span><\/p>\n

Asei Insurance President Director Dody Achmad Sudiyar Dalimunthe explained that the current industry conditions are influenced not only by domestic economic factors but also by global geopolitical uncertainty and financial market volatility. Banks’ increased caution in lending has also impacted demand for insurance products, particularly credit lines and trade.<\/span><\/p>\n

On the other hand, the insurance industry is also facing a phase of major regulatory adjustments, such as the implementation of PSAK 117, strengthening risk management, and plans to implement New Risk-Based Capital (New RBC). This situation has forced insurance companies to focus more on maintaining business quality than simply pursuing premium growth.<\/span><\/p>\n

Financial Services Authority (OJK) data shows that general insurance and reinsurance premiums grew only 1.77% annually in the first quarter of 2026, reaching Rp 41.24 trillion. This figure is significantly lower than the 17.92% growth in January and 7.41% in February.<\/span><\/p>\n

However, Asei believes this slowdown is not a sign of weakening industry fundamentals, but rather a sign of normalizing growth and tightening underwriting. Companies are now more selective in choosing risks, maintaining profitability, and strengthening business strategies based on portfolio quality, digitalization, and collaboration with the trade, logistics, and infrastructure sectors.<\/span><\/p>\n

Going forward, the industry is expected to continue growing moderately, but with a more prudent, disciplined approach, and one oriented towards long-term sustainability.<\/span><\/p>\n

Source:<\/span> https:\/\/finansial.bisnis.com\/read\/20260510\/215\/1972706\/ini-sederet-tantangan-asuransi-umum-dongkrak-pertumbuhan-premi-awal-2026?utm_source=desktop&utm_medium=search<\/span><\/a><\/p>\n

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Still Reluctant to Get Insurance? LPS Warning: The State Could Bear Huge Losses During a Disaster!<\/b>\u00a0<\/span><\/h3>\n

The Deposit Insurance Corporation (LPS) believes that low public awareness of the importance of insurance could pose a serious threat to the national economy, particularly in the event of a disaster or major risk that results in mass losses. This situation is believed to require the government to step in to bear the burden of the enormous economic losses.<\/span><\/p>\n

Ferdinan Dwikoraja Purba, a member of the LPS Board of Commissioners for Insurance, explained that insurance companies essentially serve to protect the public from economic loss. However, insurance penetration and awareness in Indonesia remain relatively low compared to the potential risks faced by the public.<\/span><\/p>\n

As a result, when disasters or major incidents occur, the government often has to allocate significant budgets to help recover losses that could have been minimized through insurance coverage. Therefore, the LPS is now accelerating preparations for the Policy Guarantee Program (PPP), which is targeted to begin in 2027.<\/span><\/p>\n

This program is designed to enhance protection for policyholders and strengthen public trust in the national insurance industry. With policy guarantees, customers are expected to feel more secure, as they are guaranteed protection should the insurance company experience financial difficulties.<\/span><\/p>\n

However, the LPS acknowledged that implementing the program is not easy. Based on experience in various countries, challenges typically arise during program launch, ranging from industry readiness, guarantee institutions, and supporting regulations. However, this step is considered crucial for building a stronger, healthier, and more trusted insurance industry in the future.<\/span><\/p>\n

Source:<\/span> https:\/\/finansial.bisnis.com\/read\/20260510\/215\/1972665\/lps-pastikan-akselerasi-penjaminan-polis-asuransi-di-maipark-award-2026?utm_source=desktop&utm_medium=search<\/span><\/a>\u00a0\u00a0<\/span><\/p>\n

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Property Insurance Remains Resilient in 2026! Investors Are Waiting and Seeing, But Flood and Fire Risks Keep Premiums in Demand<\/b>\u00a0<\/span><\/h3>\n

The property insurance sector’s performance in the first quarter of 2026 was considered quite strong, although growth began to slow compared to the previous year. The Indonesian General Insurance Association (AAUI) noted that uncertain global and domestic economic conditions have led many investors to adopt a wait-and-see approach, particularly in the property and industrial estate sectors.<\/span><\/p>\n

AAUI Chairman Budi Herawan explained that this moderate growth is also in line with Colliers Indonesia data, which noted slower growth in demand for industrial land in Greater Jakarta (Jabodetabek) in early 2026. This situation has the potential to suppress demand for property insurance from new projects such as warehouses, factories, industrial estates, and commercial properties.<\/span><\/p>\n

However, the property insurance industry is considered relatively resilient, as the majority of premiums are still supported by policy extensions on existing assets. Risks such as fire, flood, earthquake, extreme weather, and business interruption continue to require insurance protection for businesses.<\/span><\/p>\n

To maintain profitability, insurance companies are now focusing more on strengthening underwriting quality, disciplined risk assessments, and adequacy of premium rates. Reinsurance support and education for business players are also being strengthened to optimize property protection.<\/span><\/p>\n

Throughout 2025, property insurance premiums reached Rp32.87 trillion, representing an 8.6% year-on-year increase. AAUI remains optimistic that the property sector’s prospects will remain positive until the end of 2026, although growth is expected to be more selective and heavily influenced by developments in the property, construction, industrial estates, and banking financing sectors.<\/span><\/p>\n

On the other hand, the strengthening performance of the banking sector, as demonstrated by Bank Rakyat Indonesia (BRI) in the first quarter of 2026, is considered a positive signal for domestic financing and economic intermediation activities. This is expected to support demand for property insurance protection in the medium term.<\/span><\/p>\n

Source:<\/span> https:\/\/tradersunion.com\/ind\/news\/financial-news\/show\/2049673-asuransi-properti-tetap-tumbuh-positif\/<\/span><\/a>\u00a0\u00a0<\/span><\/p>\n

–<\/span><\/p>\n

The national insurance industry currently stands at a crucial crossroads between growth opportunities and increasingly complex challenges. While public awareness of the importance of protection continues to grow, the industry is also being challenged with greater discipline in the face of global risks, digital transformation, and increasingly stringent regulatory changes. Innovations such as cyber insurance, strengthened policy underwriting, and updated capital systems signal that the industry is preparing to enter a new era that is more modern, transparent, and based on risk management.<\/span><\/p>\n

Going forward, insurance companies that are able to adapt quickly and build public trust will be the players best prepared to face the ever-changing market dynamics.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Amidst global economic turmoil, the threat of cyberattacks, soaring healthcare costs, and major changes to industry regulations, the Indonesian insurance sector is moving toward an increasingly aggressive transformation phase. From cyber insurance plans to protect customer accounts, to the New RBC regulations poised to transform insurance companies’ business strategies, to the surge in public interest […]<\/p>\n","protected":false},"author":8,"featured_media":9886,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[184,1655,1654],"class_list":{"0":"post-9885","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ulas-berita","8":"tag-asuransi-kesehatan","9":"tag-asuransi-penyakit-parah","10":"tag-hantavirus"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9885","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=9885"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9885\/revisions"}],"predecessor-version":[{"id":9887,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9885\/revisions\/9887"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9886"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9885"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9885"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9885"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}