Astra Insurance's Health Insurance Segment Shows Strong Performance

Significant Contribution to Overall Portfolio

PT Asuransi Astra Buana, known as Asuransi Astra, has revealed that its health insurance products now contribute 20% to the company's total portfolio. This significant share underscores the growing importance of health insurance within Astra's overall business mix. The health insurance segment, particularly the corporate health insurance product known as Garda Medika, dominates this contribution.

Corporate Health Insurance Leads the Growth

According to Maximiliaan Agatisianus, President Director of Asuransi Astra, the corporate health insurance segment is particularly promising due to higher awareness levels among corporate clients compared to individual retail customers. This higher awareness translates into greater potential for growth in the corporate segment. The company is therefore focusing its efforts on this area, leveraging the strong demand for customized health insurance solutions from corporate clients.

Innovation Through Digital Technology

To maintain its competitive edge in a market characterized by thin profit margins, Asuransi Astra is investing heavily in digital technology and service innovation. One notable innovation is the recently launched Express Discharge feature within the Garda Mobile Medcare application. This feature streamlines the process for patients being discharged from hospitals, eliminating the need to queue at cashiers and pharmacies. Instead, patients can complete all necessary procedures through the mobile application.

Strategic Focus on Outpatient Services

The decision to develop the Express Discharge feature was driven by internal statistics showing that outpatient transactions are nearly ten times more frequent than inpatient transactions. By prioritizing improvements in outpatient services, Asuransi Astra aims to significantly enhance customer experience and operational efficiency. This strategic focus aligns with the company's broader efforts to adapt to the evolving needs of its corporate clients and their employees.

Financial Performance Highlights

As of September 2025, Asuransi Astra reported gross premium income of Rp5.93 trillion, representing a 10.84% year-on-year growth. This strong financial performance provides a solid foundation for the company's continued investment in product innovation and service enhancement. The growth in premium income reflects the success of Asuransi Astra's strategic focus on health insurance, particularly in the corporate segment.