Asuransi Astra Implements Strategies to Control Health Insurance Claim Ratio

Addressing High Claim Ratios

Asuransi Astra is taking proactive measures to manage its health insurance claim ratio, which has surged to between 80%-90%. According to Maximiliaan Agatisianus, President Director of Asuransi Astra, the company is focusing on controlling claims while maintaining customer service quality. The efforts include implementing strict claim control measures and introducing innovative solutions to mitigate the high claim ratio without compromising customer satisfaction.

Industry Context

The health insurance sector in Indonesia is experiencing a challenging period, with high claim ratios being a significant concern. Data from the Indonesian General Insurance Association (AAUI) reveals that the average claim ratio for health insurance stood at 63.4% in the first half of 2025. This industry-wide issue underscores the need for effective claim management strategies, as seen in Asuransi Astra's approach.

Strategic Initiatives

Asuransi Astra's strategy involves a dual focus on maintaining rigorous claim control and enhancing customer service through innovation. By balancing these aspects, the company aims to stabilize its claim ratio while continuing to provide quality services to its customers. This approach reflects a broader industry trend where insurers are seeking to optimize their operations amid rising claim frequencies and costs.