Insurance in Indonesia

insurance, indonesia, health, work

Insurance in Indonesia

Insurance in Indonesia

SeruTV.com - According to the OJK (Financial Services Authority) RI, insurance is an agreement between an insurance company and a policyholder that becomes the basis for receiving premiums by insurance companies in return for:

a. provide compensation to the insured or policyholder due to loss, damage, costs incurred, loss of profit, or legal liability to third parties that may be suffered by the insured or policyholder due to the occurrence of an uncertain event; or

b. provide payments based on the death or life of the insured with benefits whose amount has been determined and/or based on the results of fund management.

Insurance business is a business activity engaged in:

a. Insurance or risk management services.

b. Risk reinsurance.

c. Marketing and distribution of insurance products or sharia insurance products.

d. Consulting and intermediary for insurance, sharia insurance, reinsurance, or sharia reinsurance, or

e. Insurance loss appraiser or sharia insurance.


Insurance business is carried out by:

1. Insurance Company:

a. General Insurance Company, is a company that provides risk coverage services that provide compensation for losses, damages, costs incurred, lost profits, or legal liability to third parties that may be suffered by the insured or the policy holder due to an uncertain event.

b. Life Insurance Company, is a company that provides services in risk management that provides payments to policyholders, the insured, or other entitled parties in the event that the insured dies or remains alive, or other payments to policyholders, the insured, or other parties who are entitled to a certain time as stipulated in the agreement, the amount of which has been determined and/or is based on the results of fund management.

c. Reinsurance Company, is a company that provides services in reinsurance against risks faced by Loss Insurance Companies, Life Insurance Companies, Guarantee Companies, or other Reinsurance Companies.


2. Insurance Business Support:

a. Insurance Broker Company, is a company that provides intermediary services in insurance coverage or sharia insurance and handling insurance compensation settlements by acting for the benefit of the insured.

b. Reinsurance Brokerage Company, is a company that provides intermediary services in reinsurance placement and handling of reinsurance compensation settlement by acting for the benefit of insurance companies, guarantee companies, reinsurance companies.

c. Insurance Loss Appraisal Company, is a company that provides assessment services on claims and/or consulting services on the insured object of insurance.

In Indonesia, currently the most widely used health insurance in the form of BPJS Health and employment insurance in the form of BPJS Employment.


BPJS Health or Health Insurance

BPJS Health is an abbreviation of the Health Social Security Administering Body, an official government agency that specializes in managing the health insurance of the Indonesian people.

Read more Insurance

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Serutv.com: Insurance in Indonesia
Insurance in Indonesia
insurance, indonesia, health, work
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